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Thursday, December 3, 2009

SEO Outsourcing: The Good and the Bad

SEO outsourcing, like most outsourcing ventures, fueled discords and debates that hone in on the controversial issues that surround it. Basically, most of the controversies are based on whether or not outsourcing is more of a liability than a solution to economic growth and stability. However, the argument that caught my attention is the one that is heavily influenced by nationalistic and oftentimes emotional premises that are central on the injustice of its practice and its detrimental effects on personal lives.

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Presently, the people who are antagonistic towards outsourcing passionately argue that it is the major culprit why local economies, such as those of the U.S.A. and U.K., are in decline. Since SEO outsourcing involves contracting the services of companies from foreign countries, local citizens are thus robbed of prospective jobs, concurrently increasing unemployment rates. Valuable opportunities to develop and hone the necessary skills of the outsourced task are lost, making it harder to contend and qualify for positions in various businesses. The resulting economic decline exacerbated the financial struggles of citizens, making it increasingly difficult for them to provide for themselves and their families.

True as it may be that SEO outsourcing contributed to the downward slope of their economies, I cannot help but notice that they are blinded from witnessing and appreciating the positive effect it has on others. Majority of the countries to which SEO tasks and so on are outsourced are third world countries such as India and the Philippines where unemployment rates and economic stability are teetering on the edge of disaster. The jobs provided by outsourcing fed, clothed and sheltered countless of impoverished families.

SEO outsourcing company

So what is the final verdict? I believe that for now, there is none. No one can say for sure that the suffering of a particular group outweighs that of the other. As the financial crisis continues, there will always be hopeful business ventures and methods that aim to alleviate, but inadvertently cause depression. Perhaps the day will come when both sides will be equally compensated when the global market finally gets back on its feet. But until then, the debate ensues.

Considering Loan Modification

I’ve spent countless of sleepless nights lying in bed, wondering how I’m going to be able to pay for my mortgage. I blame myself for being too presumptuous and not having saved enough money when it was still easier to breathe. Now, I’m just barely scraping by, with what, less than a thousand dollars now left to my name? And so, due to pressing needs, I am now looking into Obama’s loan modification plan and hopefully qualifying for it. They say that it lowers my rate to 31% of my total pre-tax monthly income!

To make it work, my lender would first have to reduce my interest rate by 2%. If this doesn’t get it down to 31% of my total pre-tax monthly income, they will extend my terms instead. If this still doesn’t work, they’ll have a go at my principal and reduce it, or defer it to a later date. All of these measures really help because it would significantly reduce my modified mortgage payments. Speaking of payments, there’s even a very, very enticing incentive to encourage promptness in paying dues! If my payments are given on time, I can get as much as $1,000 subtracted from my principal loan each year for five years!

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Only primary residences occupied by respective owners with outstanding balances of up to $729,250 are eligible. These eligible borrowers will have to verify their occupancy status and provide evidence of their financial hardship.

loan modification California

In view of everything I’ve discovered, I now know that I have to accomplish two very important things. First is that I have to carefully and thoroughly review my financial status, and second is that I have to consult with my lender. I’m going to keep my fingers crossed and hope that my outstanding balance is staggering enough. It’s funny how I now wish that I’m in serious debt!

Wednesday, December 2, 2009

Auto Insurance Quotes: California Natives’ Must-Have

Call me paranoid but in this day and age, no one can live uninsured most especially if you live in a place such as California, where the population is so huge, you can already call it a mini-country. Accidents can happen anytime and anywhere – Your house could get burned or destroyed and high incidents of a car crash can happen at any given day. Living without insurance is almost suicide. Because of this, it is no wonder that the insurance industry in the state has been making a killing in the recent years.

auto insurance quotes California

Getting insurance in California is just like going to McDonald’s and eating a big Mac. It is part of life. Everyone has almost all things insured from pets to their own health, and autos are of course, always a staple. And because it is hard to get approach insurers on your own with all the choices you have, people turn to California auto insurance quotes. People can get these for free online, which is amazing since nothing comes for free in the 21st century. It’s one of those things that can help consumers like me save in this time of the recession. It’s like manna from heaven if you ask me.

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auto insurance quotes Reseda

So instead of going round in circles and endangering your life and prized possessions in such a high risk area, the best thing to do is to get insured. If you don’t know where to go, simply Google
“free auto insurance quotes California” and voila! You will get a list of the top insurance quotes providers in your area. Just narrow down your choices according to which insurance company has the best offer that suits your budget and insuring your vehicle is just a few signatures away. On the other hand, make sure to check the legitimacy of these quotes providers before signing up. You can do this by asking the insurance department in your state to check on the company’s records.

Tuesday, December 1, 2009

Why Go for an SEO Company?

Many think that promoting a website on the Internet is a piece of cake. Just submit your link to directories and the search engines will already put your site on the web. Sorry to burst your bubble, but with the complex algorithms of search engines and architecture of the Internet, it takes more than just submitting your website URL for Google to even recognize your site. This is why most web owners are leaving Internet promotions in the hands of a legitimate SEO company.

SEO outsourcing company

So the question becomes this: What does it take to make a website rule search engine results list? The best way to answer this question is to look at the Internet marketing strategies employed by top ranking sites in your niche.

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If you have noticed, all these sites have one weapon against you: a leading SEO company that runs the search engine race on their behalf. With a whole team of SEO engineers, copywriters, and posters building quality links around the Internet for their site, they can be better assured of a more stable and steadier ranking on major search engines. The results also take effect a whole lot quicker. In just a span of 2 to 3 months depending on the keyword and competition, web owners can already expect Google to index their site.

So why are all these web developers shelling out cash on SEO outsourcing instead of Pay per Click advertising? For one, it is more affordable and cost-effective. Unlike SEO marketing, the effect of PPC on your rankings depends on the amount of money you can cough out, but despite spending too much finances on ads, there can never be any concrete assurance of quality traffic. With SEO on the other hand, the chances of reaching out to a larger and more targeted market is higher because a leading SEO company conducts calculated planning before any back linking strategy is carried out.

Thursday, November 19, 2009

How Easy it is to Qualify for FHA Loan Offers

How does one really qualify for FHA loan offers? It has become such a pain for me to try and get a housing loan. You see, it was a very long story but it all happened or rather started last year.

I was single and living at a boarding house four years after graduating from college. But then these living conditions were going to have to change because I was planning on proposing to my long time girl friend of five years. We both met during college and were madly in love ever since. I figured that all I needed right now was a house because I was promoted last year and had my salary increased by a few significant digits. My savings seemed good enough and I really wanted to settle down with Selma for quite some time now and to start a family of our own. I was 27 and old enough for it anyway. But then, something would dampen my plans.

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FHA program

The economic crash happened. The United States recession has really crippled the architectural industry. I was not let go but my salary has been cut down. And also, I had a few credit card payment misses and so my FICO score was affected. Now, we have already set the date and had already paid for a lot of the wedding expenses so we didn’t want to delay anymore. But the problem is, we won’t have a house to move to yet since I was really having so much trouble getting my housing loans applications accepted. They would not touch me since my FICO score was less than perfect and my income was not that high.

Thank god for the FHA. I then found out that even with my financial condition, I was good enough to qualify for FHA loan offers. I immediately applied and now we have a beautiful home. What’s great too is that the payments are low and so are the interest rates. You cannot beat that.

Thursday, November 5, 2009

Call Center Outsourcing: Do you Have What It Takes?

Call center outsourcing has become so popular in the Philippines right now. So many call centers have sprouted up everywhere. One can find call centers in almost every city and not just one call center but a whole lot of them. This is especially incredible and has truly rivaled India as the number one call center location for the global competition. There are call centers everywhere in Manila, concentrated but not limited to both Ortigas and Makati. There are also call centers in Alabang, Baguio, Bacolod, Iloilo, Cebu, Zamboanga, Davao, and virtually everywhere that’s a city.

So, as a Filipino employee, do you think you have just what it takes to join the elite team of call center agents in all these call center outsourcing location in the country that is not just known for quantity (like India) but is renown for quality. Well you may think that you have just what it takes, but first browse through this list to see if you really have it.

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call center outsourcing

A call center agent has to be English proficient. But this does not mean just plain being able to speak straight English, it also entails the ability to have a neutral or an American accent. It also means that one needs to have perfect grammar and the innate knowledge of the many idioms that are usually used in speech by American clients. This may be hard at first but really, if you, like almost all Filipinos, love to watch American movies, television shows, and music, then this should not be much of a problems.

The second most important thing is that one needs to be able to handle customer management. This includes both the ability to absorb the customer’s query at once and also the ability to remain calm, collected, and sharp in trouble shooting or processing the demands and queries. That is what you need to even consider joining a call center outsourcing company.

Monday, November 2, 2009

My Life as an Agent in a Major Call Center in the Philippines

I have been in the so-called “sunshine industry” for a little over a year now and I must say that life as an agent in a major call center in the Philippines is not all about flowers and sunshine.

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Working in this industry means work. Being proficient in English is not enough for you to climb the corporate ladder or be retained in the company. Since the Human Resource Department head always assesses and evaluates our performance, it is a must for us agents to push our efforts every time. We have to give our best every day at work and satisfy our clients. Work is not all fun and games, but to tell you frankly, all the people I have spoken with in my company are happy with the work and service we do. Maybe it’s because of the fact that we feel accountable for the growth of the company. After all, we represent the Philippines in this competitive industry so it is just right for us to represent our country well enough through our skills.

call center Philippines

Despite the tedious work and the crazy shift we have, we do not feel that much stressed with the work that we do because our company offers a lot of activities for us to not be bogged down by stress. We have free dance lessons, voice lessons, outings every month, and lots of bonding activities to nurture our relationship and love for the job. Instead of forcing us to love our jobs, they are finding ways for us to enjoy our team because according to our HR head, the strongest factor that would drive you to do your job well and stay in a company is when you are in good working relations with the people in the company. It is working so far because we are all enjoying our work here in a call center in the Philippines. This enjoyment translates into good output we give our clients. In the end, everybody benefits.