09/7/14

What Does The Credit Report Say Regarding Us?

What Does The Credit Report Say Regarding Us?
Of all of the info that's accessible regarding we today, none has because much impact because the credit history. You can access your free credit reports from all 3 bureaus once an year. This history may determine whether there are credit, and just how much you’ll pay for it. That being the case, don't we think we …
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Now Is The Time To Check The Credit Report And Save Before The Holidays
"It's significant to review the credit reports, to find when there has been any suspicious activity with a accounts," mentioned Katie Moore, credit counselor from nonprofit GreenPath Debt Solutions. "The future getaway season is a really busy time whenever it …
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6 Tips to Improve a Credit Score Fast
It's significant for we to have healthy credit reports plus credit scores, because landlords, insurers, creditors, plus others consider the credit reviews plus create decisions accordingly. Should you like to be available the number one interest rates about financing, for …
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10 Ways To Improve The Credit Report
From everyday products including fuel plus food to big-ticket purchases including vehicles plus houses, many individuals depend about several shape of credit. To always will receive which credit whenever we require it, it's significant to have a advantageous credit report. Check yours …
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05/30/15

Hormel Foods Corp Assigned AA Credit Rating by Morningstar (HRL)

Hormel Foods Corp Assigned AA Credit Rating by Morningstar (HRL)
Hormel Foods Corp (NYSE:HRL) has received an “AA” credit rating from Morningstar. The firm's “AA” rating suggests that the company is a very-low default risk. They also gave their stock a two star rating. Several other analysts have also recently …
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Morningstar Assigns A- Credit Rating to Campbell Soup Company (CPB)
Campbell Soup Company (NYSE:CPB) has received an “A-” credit rating from analysts at Morningstar. The firm's “A-” rating indicates that the company is a low default risk. They also gave their stock a three star rating. Several other analysts have also …
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05/29/15

Alabama Medicaid Drug Program in Need of Reform: NCPA Report


Dallas, TX (PRWEB) May 28, 2015

Alabama legislators could save taxpayers millions with a few simple changes to the way Medicaid prescription drug benefits are handled, according to a new report from National Center for Policy Analysis Senior Fellow Devon Herrick.

“Medicaid consumes over one-third of the General Fund, and costs state and federal taxpayers nearly $ 6 billion annually – about one-tenth of which participants spend on drugs and drug therapies,” says Herrick. “States are moving away from Medicaid Fee-for –Service drug programs; Alabama should consider making this move.”

Alabama distributes nearly all Medicaid drugs through Fee-for-Service programs. However, this raises costly problems with care coordination, specialty drug management, and efficiency. To alleviate the cost to taxpayers and providers alike, Alabama should:


    Allow health plans to manage drug benefits for those already in managed care.
    Transition to professional pharmacy benefit managers for special needs and disabled individuals to better control the cost of specialty drugs.
    Reform the remaining fee-for-service drug programs to require market-based dispensing fees.
    Repeal any willing pharmacy regulations designed to prevent preferred pharmacy networks and mail-order drug delivery

“The report illustrates how Alabama and other states have the opportunity to reform their Medicaid drug programs and make them more efficient,” says Herrick. “State legislators should work to foster competition among pharmacies competing for the right to serve Alabama’s Medicaid enrollees.”

Alabama’s Medicaid Drug Program: http://www.ncpa.org/pub/medicaid-prescription-reform

The National Center for Policy Analysis (NCPA) is a nonprofit, nonpartisan public policy research organization, established in 1983. We bring together the best and brightest minds to tackle the country’s most difficult public policy problems — in health care, taxes, retirement, education, energy and the environment. Visit our website today for more information.







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05/27/15

Developing Pride on a Roof Top at Velocity Apartment Community, Kirkland With LiveRoof Green Roof.


KIRKLAND, Washington (PRWEB) May 12, 2015

to assume Housing, ‘”Velocity” isn’t only a trendy name for brand-new apartment community but an embodiment of notion of continue. Velocity, as well as its next-door neighbor Kirkland Crossing produced by Polygon NW, are situated during the Southern Kirkland Park and Ride, just blocks from Lake Washington Boulevard. This new community had been designed with the residents and environment at heart using technology to incorporate relationship, health insurance and sustainability.

“Our eyesight for Velocity was to create an income, going community for area’s reduced income households to just take a working part within their health and community durability,” said Sibyl Glasby, Director of Housing developing for consider Housing. “The living green roofing is a sustainable green function that can provides a lovely outdoor space for our residents.”

Just Picture Housing chose the LiveRoof® Hybrid Green Roof program with regards to their 6,140-square foot residing yard that includes walking routes, sitting and a gas BBQ. The vegetative roofing provides considerable advantageous assets to the surroundings including lowering liquid run-off and turbidity into the violent storm water system. The green roof had been created by Fazio Associates Landscape Architect and installedby Greening America. Using drought-tolerant indigenous and transformative flowers and locally-sourced engineered soil, the modular living roof had been cultivated to complete maturity by GreenFeathers, Inc. of Cornelius, otherwise.

“We are very happy to have took part in this important housing neighborhood,” stated Grace Dinsdale, president and president, Blooming Nursery and GreenFeathers. “We supplied fully-mature native plants grown in locally-sourced engineered soil the Velocity residing roof. Not merely did this offer a lovely, lush garden for residents to savor immediately, moreover it plays a part in the sustainability of Velocity’s website.”

Velocity provides onsite parking, ready usage of transportation, bike storage and fix station, a captivating neighborhood area/library with a coffee house feel, a fully-equipped workout center, and a roofing top yard with walking paths, seating and a gas barbeque. A rooftop community room hosts a variety of tasks and services designed to enhance our residents’ life and market opportunity for involvement within the community.

Velocity fulfills Evergreen requirements for energy savings, saving valuable sources and contributing to on a clean planet. The houses have-been built with both residents and durability in your mind, attaining a balance between contemporary finishes and long-term toughness with environmentally friendly products. The housing development was created in accordance with Leadership in Energy & Environmental Design (LEED®) requirements. LiveRoof methods can affect several LEED credits in areas of lasting web sites, liquid effectiveness, power and environment, materials and sources and indoor ecological high quality. As a result of prospective expense impacts, the project did not go after LEED certification.

Velocity is based at 10711 NE 37th Court, Kirkland, WA 98033

About LiveRoof® Worldwide, LLC

LiveRoof worldwide, LLC (http://www.liveroof.com) could be the horticultural technology company that developed the LiveRoof® Hybrid program, whose natural function and natural beauty offer the greatest amount of green roof overall performance on most affordable degree acquisition-installation-maturation-maintenance prices. Combining the most effective aspects of proven green roofing technologies, LiveRoof establishes a seamless vegetative surface grounded in a continuing level of earth. This design maximizes ecological advantages, energy cost savings and roof looks. Local growers in its international system adapt LiveRoof flowers for local problems and customize plant selection for almost any task. The evidence is on the roof showcased in LiveRoof tasks that get noticed as signature elements on commercial, community, college and college buildings through the world.

Media Contact:

Amber Poncé, GRP

Business Development Manager

LiveRoof international, LLC

616.935.1964

About Greenfeathers, Inc.

Greenfeathers, Inc. (http://www.greenfeathersroof.com), the Pacific Northwest local provider and grower for LiveRoof, is the green roofing division of Blooming Nursery, Inc., one of Oregon’s largest wholesale nurseries with 100,000 square feet of greenhouses and much more than 45 acres of growing fields. Since 2008, GreenFeathers features custom grown over 50 green roof projects in the usa of Oregon and Washington.

Greenfeathers Inc. Media Contact:

Naomi Morgan GRP

Sales Representative

Greenfeathers, Inc.

Naomi@greenfeathers.info503.707.4998

About Imagine Housing

Building Houses. Building Community. Just picture Housing (http://www.imaginehousing.org) is the only nonprofit business in East King County, Washington devoted solely to establishing solution enriched inexpensive local rental homes for low earnings families within community. By providing stable housing, knowledge, assistance and support to the residents, we build hope, improve financial vigor and reinforce neighborhood for everyone who lives in the Eastside.

Picture Housing Media Contact:

Gary Helling

Interim Executive Director

Envision Housing

425.576.5190 ext. 16

garyh@imaginehousing.org







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05/24/15

EQ and Compression Processes For Drums in Blending

Although the drummer plays the whole kit as a single instrument, the miking of specific drums and cymbals will make for an extremely complicated blend scenario. The reason why we reference country and rock songs particularly is due to the fact that in these genres the sounds of this individual drums and cymbals are not only singled-out by specific microphones positioned on every one of them but also their noises are exaggerated generate a far more remarkable impact.

Start thinking about, as an example, the tom fills in Phil Collins’ “floating around Tonight.” In comparison, jazz drums in many cases are addressed as a far more cohesive, unified sound and it’s perhaps not uncommon to utilize an easy pair of overhead mics to capture the sound of the whole jazz drum system.

Here, I’m going to go drum by drum providing EQ and compression settings that, hopefully, provide you with a jumping-off point out getting great drum noises within combine. Because of its all in one mixing board channel method, i will be utilizing Metric Halo’s Channel Strip plug-in featuring its EQ, compression and noise-gate to show my comments about numerous EQ and compression settings.

Kick Drum

As heartbeat associated with contemporary drum kit, the kick drum noise we have cultivated accustomed to hearing is actually boomy and round regarding bottom and contains a pleasant, brilliant click inside high middle range. It is the balancing work between EQ and compression that gives the kick drum its ability to be noticed in a combination. Starting with EQ, the simplest way to accentuate the lows and highs is always to pull some low-mids. I am a huge believer in cutting in place of improving EQ to quickly attain a desired impact. Consequently, I often pull approximately 2 to 4db at between 350hz-450hz. Then, after removing a number of this low-mid mud from noise, I am able to enhance the clicking sound associated with the beater hitting the top associated with the kick drum by improving around 2db inside 2k-3k range. I am supplying approximate dB and regularity range options because with respect to the kick drum, mic positioning and, naturally the drummer, all of these options vary. Make use of these basic ranges as a jumping down point then trust your ears.

So far as compression options go, the trick is always to protect the transient attack for the kick drum with a quick however too quickly assault time (9ms in this situation) and a fast release (11ms) so that the compressor is preparing to react to the next kick drum hit. The ratio i personally use is a relatively moderate 2.5:1 and I adjust the limit until we notice the kick noise I’m searching for. Finally, to supply the kick drum sound some split through the remaining kit, i take advantage of a noise gate and adjust the threshold allowing the kick seem to come through while really muting a lot of the various other drum/cymbal sounds. Additionally, while setting the attack toward Channel Strip’s fastest “auto” environment, we allow for a long (400ms) release.

Sub Kick

This specific miking strategy is the one you can use to create great low-end existence towards kick drum. Through explanation, a short stand keeping fundamentally the woofer of a speaker is put at the kick drum and accumulates predominantly the lower frequencies. Whenever mixed utilizing the kick drum mic, the sub-kick produces great-power in most affordable the main frequency.

To be able to highlight the most crucial elements of the sub kick’s noise, We will make use of a low pass filter way of my EQ that eliminates all frequencies above 500hz and falls down a lot more dramatically below 100hz. It is to make sure that only the important areas of the sub kick’s noise come through. The sub kick must certanly be sensed over it is heard. In terms of compression, a ratio of approximately 5:1, a relatively sluggish attack (120ms) and medium quickly launch (57ms) permit the sub kick’s tone to stay current and full beneath the noise of this kick drum’s regular miked noise. After that, we’ll use a noise gate with an easy attack (20ms) and slow release (200ms) maintain on any kind of kit sounds that might otherwise bleed in to the sub kick sound.

Snare

Along with the kick drum, the snare drum is essential for operating a rhythm track. Poor EQ and compression methods can keep it sounding slim, lifeless and usually uninspired. In order to highlight the most effective parts of the snare sound with EQ, We’ll increase the low end associated with the snare by 2-3dB at around 80hz, slashed 2-3dB between 350-450hz and then boost once again, if required, for more high-end brightness, by 1-2dB at 5k. These three EQ points are a good place to start to sculpt a fascinating snare noise.

Compression on a snare is an actual balancing work where an excessive amount of will need away the energy of this performance and inadequate is likely to make it almost impractical to get a hold of a suitable degree for the snare when you look at the blend. I use a ratio of 2.5:1 with a tremendously fast attack (2ms) and release (11ms). If you are discovering that you’re dropping the snap for the snare, slow your compressor’s attack some but understand that slowing the attack excessively needs the compressor a long time to seize onto the sound and can leave the snare significantly less manageable inside combine.

Adjust the threshold options until things sound right to your ear. This fundamentally allows you to decide how much total compression you will end up using. Do not overdo it or even the drum will lose its power but do not get too lightly or perhaps the snare will not stand up within the blend. Gating the snare is a trial and error procedure too. Based whether the snare strategy in song is hostile or soft could have a great deal to do together with your threshold configurations. Like on the kick drum, I use the very quick “auto” assault and a slower release regarding the gate so that they can hold out of the background noises for the cymbals, toms and kick.

Hi-Hat

While demonstrably a cymbal, the hi-hat is actually used much more as a rhythmic factor than a tone color like a number of the various other cymbals in a drum system. Making sure this has its own sonic room and speaks plainly without getting too loud and distracting is what EQ and compression are about in this instance. For EQ, we’ll again make use of a shelving approach at around 200hz that’ll effortlessly drive out low-end information that’s non-essential into hi-hat sound. Basically’m contemplating bringing in a bit more high-end shimmer and sizzle, We’ll improve between 1-3dB between 6k and 8k once more utilizing my ears to tell myself what is working. As a whole, We usually steer clear of compression regarding the hi-hat as it tends to discover is very own powerful range without excessively extra help.

Minimal (Flooring) Tom

A well-mixed pair of toms could make a big difference between drum fills which are interesting and those that go by without catching the listener’s ear. Starting with the low tom, we will seek out the places within the regularity range that reveal both the increase and snap (like the means I approach the kick). So that you can highlight the lower top-notch this drum, there is that a dramatic slice (12dB) at around 500hz permits the drum to speak obviously. Also, to add the high-end snap, a semi-aggressive boost of between 4-6dB at around 3k is going to do the key. Compression in addition adds a lot to this equation. A ratio of around 4.5:1, a slower assault of 120ms and medium slow launch of around 90ms will help the sound stay complete and resonant. When it comes to limit, i just adjust through to the tom rings properly. Gating is another significant element for toms given that large diaphragm mics put on these drums usually collect a lot of the extraneous sounds through the remaining portion of the kit.

We put the gate utilizing the fastest “auto” attack and a sluggish 400ms release then adjust the threshold until I’m hearing just the reduced tom come through when it’s hit. For “tweak heads” among us there is a somewhat much more precise and labor-intensive solution to do this. By going into the particular noise data inside DAW and deleting all nevertheless tom hits by themselves, it is possible to develop a perfectly gated tom track.

Tall (Rack) Tom

Such as the low tom, the large tom features it really is own frequencies which should be cut/accentuated to bring out of the sweetest areas of the sound. For EQ, we’ll do another big cut of approximately 10dB at 600hz and I’ll make a similarly big boost of approximately 7dB at roughly 2k. For compression, i personally use a somewhat more hostile 6:1 proportion slower attack (100ms) and an instant launch (25ms). Much like the low tom, I’ll gate the large tom using the identical gate assault (quickest “auto”) and launch (400ms). The answer to the threshold is adjust it until only the large tom punches through maintaining the channel basically muted for the rest of enough time. Your final note in the toms, as all tom sizes, tunings as well as drummers vary, you’ll want to fool around with these options and soon you get the sweet places.

Overheads / Place Mics

Considering that we’ve made a proper energy to isolate and improve all the specific drums into the system, expense mics serve the dual purpose of taking the cymbals and integrating the mixed sound for the kit back into the noise of the drums. We look closely at three certain EQ things to supply the overhead mics a clean, balanced tone. Initially I’ll use a higher pass filter (shelving EQ) on low frequency of 40hz to clean up any unneeded sub-sonic rumbling. However’ll pull around 5dB at between 100 and 200hz to prevent any low-mid buildup. Finally, if required, we’ll enhance the overall brightness associated with the cymbals/kit with a little 1-2dB boost at around 5k. For compression, we’ll set the ratio at about 3:1, the attack at around 110ms plus the release at a slightly faster 70ms. The threshold should be modified to make sure that the overhead/room noise combinations because of the total system blend. Eventually, adjust the quantity of this overhead mics into the combine unless you collect just enough associated with the space to place some environment and level back in the system.

Limiting the Sub Blend

One last technique to incorporate punch towards the overall drum kit would be to send every one of the specific songs to a stereo sub mix and put a limiter just like the surf L1 thereon stereo auxiliary track. By adjusting the threshold through to the attenuation is between 5-7dB, you’ll find that the kit has actually a really satisfying general punch and presence.

Conclusion

While I’ve been painfully specific about EQ, compression and gate settings, it’s important to keep in mind that every mix situation differs. Utilize a few of these configurations as a jumping off point and use your ears to modify the noises before you’re delighted. Good-luck!

Sarit Bruno manages content and editorial range for Audiofanzine.

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05/23/15

The Length of Time That Tax Liens Show Up on a Credit Report

When someone close to us passes away, we post obituaries for them in the newspaper, as a mark of respect to show them for one last time, what they meant to us.  These obituaries are usually written by people who are close to the deceased, colleagues and friends.


Obituaries are one way of saying goodbye to people who mean something to us, but they also give biographical information of the deceased.  This is one way of informing people of the death and also to let them know about the memorial service. Obituaries are considered as a mark of respect to that person.


Obituary records are now stored at news organizations and publication houses.  They are also considered to be part of the death records and found at all the public record offices.  These records can also help with genealogy research as the information they contain even includes everything about the family members, education, achievements, military service etc.


Obituary records are easily accessible to the public online. There are several websites that have cropped up over the net, that provide all sort of records and obituary records have become an important part of public records.  Some services are offered free while some charge money.  The convenience associated with searching for these records using the internet cannot be explained.


The main thing about obituary records is that all other records may lose their value with time, but not obituaries.  They are the marks of people that left us and remain alive forever, even if the person is no more.


Try using the paid public record services to gain access to the obituary records and they can be retrieved very quickly.  You must ensure you use a reputed service that provides what it says it would.  Not all paid services are good, so do a bit of research before actually paying the fee.

 

For more information about this article try to visit Criminal Records

 

Macky Note

Article Author in www..com

and also at Criminal Background Check and Criminal Records

Related Credit Report Articles

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05/21/15

Loans For Bad Credit No Bank Account-To Increase Your Credit Score

for an advance to support your fiscal needs? If yes, then apply for Loans For Bad Credit No Bank Account. It is an advance which will support you in any kind of fiscal needs. This advance is easily granted to those with a terrible fiscal status. They will also help to increase your credit score. They are offered to you even if you do not maintain a valid bank account.

Loans For Bad Credit No Bank Account helps you gain funds through the offline plus through the online mode. The offline mode includes long procedures and is wastage of time. In the online mode, you do not have to undergo any long procedures. Thus, it is better to apply online. In the online mode, you simply need to find a suitable lender and then make an appeal. The lender will confirm the details you provide and then will approve your request. Then, after it is sanctioned, the amount will be deposited in your account. These services which can be availed by you are in the unsecured form.

Loans For Bad Credit No Bank Account is advance which can be obtained by you come in the range of £1000 to £25000. The amount has to be settled in 6 months to 10 years. They are given to you despite of your fiscal background. Even if you do not have a bank account, then also you are eligible to gain this service. The amount is offered to you in the unsecured form where you do not have to place security.

If you wish to gain Loans For Bad Credit No Bank Account, you need to fulfill the eligibility conditions. The conditions are that you need to be more than 18, you need to be a UK resident and you need to be regularly employed. The amount you gain in this advance can help you satisfy the various needs on time. These needs include buying house or car, educational needs like tuition fees, college fees, going on a holiday trip, for settling various pending expenses, for consolidating debts, for all domestic needs and so forth.

As they are offered in the unsecured form, tenants, paying guests, non property owners can easily gain funds in this advance. Even property owners who do not want to risk their property can opt for it. Loans For Bad Credit No Bank Account comes with a high rate of interest due to the risk which the lender faces. The amount has to be settled on time or else you will have to pay high fine.

Carol Matas is financial adviser Loans for Bad Credit. To find more about loans for bad credit no bank account, loans for bad credit with no bank account, loans for bad credit without bank account and loans for people with bad credit without a bank account.Visit http://www.loansforbadcreditnofaxcreditcheckcosignerguarantorbankaccount.co.uk/

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05/20/15

Latest Identity Theft News

How analytics can prevent ID-theft tax fraud
John A. Cassara is a former intelligence officer and Treasury Special Agent. He has written a number of articles and books about money laundering and financial crimes. He is an industry consultant for SAS Federal. Now that the official tax season has …
Read more on Federal Times

7 charged in credit card fraud, identity theft ring
WESTFIELD – Authorities have arrested seven people in connection with an alleged credit card fraud and identity theft ring that generated more than $ 500,000 in illegally obtained cash and merchandise from stores across Central and North Jersey.
Read more on MyCentralJersey.com

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05/17/15

Inszone Insurance Services Selects One, Inc. Options for Payment Processing and Client Retention

Sacramento and Rancho Cordova, CA (PRWEB) May 14, 2015

Inszone Insurance solutions, a U.S. Property/Casualty (P&C) Agency, and something, Inc., a provider of pc software items to the P&C industry, these days revealed that Inszone Insurance Services has actually selected One, Inc.’s ProcessOne® to handle its repayment handling and day-to-day cash reconciliation and ContactOne™ to boost plan retention via computerized phoning and messaging.

Inszone selected One, Inc.’s repayment pc software to improve its internal and external payment and repayment procedures, that’ll allow them to quickly attain three considerable objectives: (i) provide a greater level of customer care with their insureds, (ii) allow their employees to your workplace better and effectively; and (iii) reduce steadily the complexity and value of PCI conformity, lowering information safety problems.

“Our goal as a company should exceed our consumers’ expectations of just what an insurance organization may do for all of them,” stated Norm Hudson, CEO of Inszone Insurance Services. “That includes both our insurance choices and our customer care. We have been constantly wrestling with ways that technology can enhance the degree of solution we offer so we understood we unearthed that with One, Inc.’s ProcessOne and ContactOne.”

The combined energy of ProcessOne and ContactOne, will allow Inszone Insurance to:


Provide an improved buyer payment experience for their clients via an intuitive interface,real-time payment posting,and the capacity to access their insurance information through a pc, tablet or cell phone;
Streamline workflow because of their staff through automatic payment handling and routing;
Decrease the complexity and cost of PCI conformity, while increasing data safety;
Provide their insureds the convenience of automatic cancellation notification via e-mail, text or telephone call, and simplifying the repayment and reinstatement process.

“We are very thrilled to enjoy Inszone Insurance as a One, Inc. consumer,” said Christopher W. Ewing, President & CEO, One, Inc. “The special mixture of capabilities in ProcessOne and ContactOne allows complete process improvement, both internally and externally, that may let them better serve their insureds. We’re looking towards using their group.”

One, Inc.’s collection of enterprise software makes it possible for carriers of sizes to improve procedures and increase effectiveness in each section of their particular organization. Its scalable, cloud-based solutions tend to be designed to optimize data and provide company price. Its InsureOne package includes PolicyOne™ (policy management), ProcessOne® (payment handling and reconciliation), PortalOne (web-based credit card repayment portal), ContactOne™ (client retention system), ActivityOne™ (enterprise performance), AppOne™ (agency management), SalesOne®(marketing associates administration and CRM computer software), and DataOne® (business intelligence and reporting).

About Inszone Insurance Services, Inc.

Inszone Insurance Services writes residents, renters, automobile alongside private insurance coverage solutions, and business and commercial property coverage. Inszone has the carrier relationships, industry expertise and drive to provide competitive rates and fantastic insurance coverage. Inszone features competitive protection choices from many founded, financially stable nationwide insurance coverage companies, with a network of experienced separate agents that are dedicated to supplying every buyer with competitive choices for their particular certain spending plan and need. The Inszone Insurance solutions executive group is comprised of experienced insurance professionals with experience with the handling company, underwriting and claims administration sides of the industry. Inszone employees endeavor, everyday, to exceed objectives, each and every time. For more information, kindly go to http://inszoneins.com.

About One, Inc.

One, Inc. creates pc software products which assist Property and Casualty insurers replace their legacy core systems and considerably boost their functional efficiencies and rate to advertise. Made to be versatile and scalable, One, Inc. products allow insurers to deliver exceptional service, increase areas, and reduced working expenses. One, Inc.’s InsureOne Suite offers the core methods utilized by insurers as functional systems of record. Observe how One, Inc. is leveling the playing industry. To find out more, please visit http://www.oneincsystems.com

Follow united states on relatedIn: http://www.linkedin.com/company/one-inc

Follow us on Twitter: http://twitter.com/oneincsystems







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05/15/15

FMSI Releases 2015 Bank and Credit Union Teller Line Study; Reveals Declining Branch Transaction Trends


Alpharetta, GA (PRWEB) May 14, 2015

FMSI today released its annual Teller Line Study. As mentioned in a Wall Street Journal article, the FMSI Teller Line Study is based on a compilation of transaction and labor cost statistics, built from more than 20 years of proprietary data, from financial institutions all across the country. This year’s study indicates that branch transaction volumes are continuing the year-over-year decline FMSI identified more than a decade ago. Per the study, branch transaction volumes have declined more than 45% since 1992.

“We are in a unique position in that we have access to more than 16 million monthly transactions from many different financial institutions,” said W. Michael Scott, President/CEO of FMSI. “Our Teller Line Study compiles this valuable information and presents it in 20-year trend charts, allowing the analysis of industry branch traffic at an aggregate level.”

For more than 20 years, FMSI has conducted the detailed annual study of teller activity volumes using the month of March as a benchmark. The study includes real data pulled monthly from HR systems and community bank and credit union core systems. The resulting trend charts provide information about transaction volumes, pay rates and labor costs per transaction and enable financial institutions and others to:


    See eye-popping industry metrics about the teller line.
    Study the trends of branch traffic in the retail banking environment.
    Learn about different strategic staffing approaches from industry experts.

“We are the only ones in the industry that have access to this type of aggregate information,” added Scott. “The detailed study reveals a declining branch transaction trend, of which senior management at financial institutions should take note. With transactions dropping and staffing levels remaining the same, the inevitable outcome is costly overstaffing in the branch environment.”

Copies of the FMSI Teller Line Study are available to the media upon request, and the data contained in the study may be used freely in articles provided credit is given for its source. An infographic of the data was also created specifically for its release and is also available to media upon request.

About FMSI

Located in Atlanta, GA and established in 1990, FMSI provides easy-to-use, yet sophisticated, software-as-a-service solutions, including: Omnix Staff Scheduler™, Omnix Interactive Dashboard™, Omnix Performance Analytics™, and Omnix Lobby Tracker™. FMSI’s smart scheduling application gives banks and credit unions the ability to optimally schedule their team throughout the branch network and to manage staff through easy to read color graphics, online interactive dashboards, and succinct management reports. FMSI provides performance management information exclusively to financial institutions of all sizes, including a workforce optimization comparative data benchmarking report that allows clients to see where they rank amongst their industry peers. Visit the company’s website at http://www.fmsi.com or call 877.887.3022 to schedule a complimentary online demonstration of any of our products. You can also quickly estimate your savings with FMSI’s Efficiency Calculator at http://www.fmsi.com/calculator/







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05/12/15

T.E.N. Accepting Nominations for the 2015 Information Security Executive? West Awards


ATLANTA, GA (PRWEB) April 06, 2015

T.E.N., an information technology and security executive networking and relationship-marketing firm, announced today that nominations will be accepted April 6, 2015 through June 5, 2015 for the 2015 Information Security Executive® (ISE®) West Awards.

Awards include the Information Security Executive® of the Year, which recognizes executives who have made a positive impact on their organizations through risk management, data-asset protection, regulatory compliance, privacy and information security; and the ISE® Project of the Year, which recognizes a project completed during the previous 12-18 months that has had a significant impact on an organization’s risk management or information security posture. Eligible nominees meet all appropriate criteria and are based in the U.S. West territory, which includes Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington and Wyoming.

Executives and/or project teams can be self-nominated in addition to entries by supervisors, employees, peers or technology partners. Anyone interested in nominating for the ISE® West Awards may download the forms here. All nominations are sent to T.E.N.’s distinguished panel of ISE® Judges for review and scoring.

“The West coast is home to many of the nation’s most innovative companies and forward thinking leaders,” said T.E.N. CEO & President Marci McCarthy. “We encourage executives and their teams to consider their work over the past 12-18 months and take advantage of this opportunity to benchmark against other high-caliber security programs in the region.”

Nominees, finalists and winners will be recognized at the ISE® West Executive Forum and Awards on August 20, 2015 at the Westin St. Francis in San Francisco, CA. The Executive Forum will include keynote speakers, interactive roundtables moderated by the CISOs and VPs of participating companies and engaging panel discussions. Finalists and winners in both categories are announced at the awards gala that evening and recognized through press coverage and inclusion on the T.E.N. and ISE® websites. Organizations taking part in previous programs have included leading organizations, such as BlackLine Systems, Caesar’s Entertainment, St. Joseph’s Health and the Warner Bros. Entertainment.

About T.E.N.

T.E.N., a national technology and security executive networking organization, facilitates peer-to-peer relationships between top executives, industry visionaries and solutions providers. Nominated for numerous industry awards, T.E.N.’s executive leadership programs enable information exchange, collaboration and decision-making. Its flagship program, the nationally-acclaimed Information Security Executive® (ISE®) of the Year Program Series and Awards, is North America’s largest leadership recognition and networking program for security professionals. Other offerings include The ISE® Lions’ Den and Jungle Lounge, T.E.N. Custom Programs and the ISE® Industry Expert Advisory Services, empowering IT solutions providers to gain access to highly credentialed IT business veterans’ expertise. For information, visit http://www.ten-inc.com.

About ISE® Award Program Series

For more than a decade, the Information Security Executive® (ISE®) of the Year Award Program Series has empowered security executives and their project teams to Connect, Collaborate and Celebrate. Recognized as the industry’s most prestigious IT Security award program, it has become the most anticipated award program for security executives and their project teams. Winners have included executives and project teams from leading organizations such as Nike, The Walt Disney Company, the United States Postal Service, Schlumberger, Texas Instruments, JPMorgan Chase & Co., Equifax, Comcast, PayPal, Northrop Grumman Corporation, and Nationwide.

Our distinguished ISE® Judges are past nominees representing a cross section of industries, including commercial, government, health care and academic sectors. For this reason, the ISE® Awards represent the best achievements of the year as evaluated by those regarded as the industry’s most influential and successful thought leaders. Coupled with a one or two-day executive summit, the ISE® Awards are held across the country and Canada in major cities including Atlanta, Chicago, Dallas, New York and San Francisco. The ISE® Awards Program Series has reached more than 10,000 executives across a broad range of industries and has been a major influence in executives’ careers, knowledge sharing, and the development of peer-to-peer relationships.







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