Why bulk SMS?

• Keep your clients informed, even daily if you wish.
• This is an easy method to keep your clients informed.
• Bulk SMS is affordable.
• Manage your SMS service without the added stress of technical issues; all you require for bulk SMS is to make use of the internet browser.
• Manage even the largest database without fuss.
• Technical support if the need arises.

Nice to know

• Everyone owns a cell phone so why not take full advantage of getting the message instantly to your clients?
• Use bulk SMS for your next marketing campaign.
• This is a very affordable way of getting your message across to many individuals simultaneously.
• You will be in a position to schedule the delivery time of your campaign that would be relevant to a time zone.
• You will be able to save the SMS campaigns as a draft, and also be able to resend or load up drafts.
• You will also be able to view campaigns that have taken place in the past.
• You will be able to view reports.

It is highly recommended that you send test messages before executing the campaign, therefore call on the professionals when embarking on a bulk SMS marketing campaign to keep a professional image.

Because the economy is so bad, lenders are being even stricter in who they lend to and how much they lend and consequently it is essential that you get your property investing tactics exactly right. Firstly, always make sure that you do significant research with regards to the area you wish to invest in – look into the property values and the businesses, shops, schools and infrastructure of the area. What kind of businesses are there in the area? Does the area have a future? Are companies investing there? Next check the planning applications for the area – make sure there are no developments in the pipeline that might affect the value and tone of the neighbourhood.

Next calculate the total price of your investment – not just of the property but also of the additional things you may need to purchase and the services that you might have to pay for to get the house into tip top condition. Investing in good fixtures and fittings will pay dividends in terms of both getting high quality tenants and capital appreciation. Always make sure that you buy houses or properties that will give you a decent amount of capital appreciation. In addition, if you are renting the property out make sure that there are tenants ready to go from the first month onwards. At the same time, make sure you have funds available in case you need to wait for tenants or in case the tenants miss their payments for a month or two. Always remember that you could face lean months without rental so it is worth preparing for that rainy day.

Remember that investing in property is to invest in a long game. Profits wont come overnight but if you are prepared to be patient over a few years you will see a very good return on your money. Make sure you get a mortgage with an interest rate you know you can manage (and without any excessive charges in the small print) and which will be covered by the rental income.

Lastly, avoid any mortgages that are too good to be true or that might appear to loan you more than you can afford – do not overstretch, as this is what caused the credit crisis and the current economic downturn. Always make sure you put down at least ten percent on any property investment.

Alex is a financial writer and blogger. He writes about everything from credit cards to mortgages to how to set up an umbrella company.

The purpose of a credit report is so that a lender will be able to decide whether to give credit to a borrower or not but this is dependant on what the credit history looks like; The Fair Credit Reporting Act allows credit bureaus to sell your credit report for a variety of purposes.

As an individual, you are also permitted to obtain your free credit report from the three major credit bureaus in South Africa. It might be advisable to get a comparison from the three major bureaus in order to spot any discrepancies, and to get the best credit scoring possible for obtaining credit. It is also a good idea to be aware if any mistakes have found their way onto your credit report, which could easily affect your credit rating. These could include duplicate entries, amounts not removed, and other errors that might appear on your credit history that should not be there.

The credit report can be sold to potential employers, but you have the upper hand and confidentiality on your side and this private information will only be released once a form has been signed by you, the individual, for the release of this information.

Your credit information can also be sold to organizations that will make a decision with regards to allowing you to get credit.

To keep your finger on the pulse at all times and to detect credit fraud that has been committed, get your free credit report so that you will be able to find out if anyone tries to steal your details and take out credit fraudulently by using your personal details.
For more on obtaining a free credit report contact us today for further details.

Altrisk Insurance have 90 000 clients who enjoy the 21 risk products that make up their special life portfolio.

Moving day is frustrating, exciting and can feel like an unorganized zoo all rolled into one.  When contemplating a move figuring out how you can get all your precious possession from state-to-state or even across town can seem like an insurmountable task.  But with a little organization and a plan and a few good people with trucks you can do that furniture removal job yourself. 

First make sure that you have access to a few burly friends with some good muscles for that furniture removal task.  These fine burly friends should also come with some large trucks, which will help with the move.  Then plan room for room a pack up scheme.  Marking each and every item as it is carefully wrapped against damage as to which room in the new home it needs to go into will help tremendously with the unloading and maybe even loading of your furniture.  This tactic also helps with packing up and moving smaller items in your home.  You can again use the planned packing tactic of labeling which room these go in and what is inside, a summary, which will help with ease of unpacking.

So with a little planning moving day doesn’t have to be so hard for you and your family.  Furniture removal from your old home can be an easy and smooth transitional event that doesn’t have to cause anymore stress.  But for those that are still unconvinced that with a little planning they can be do-it-yourself movers, well, there are options out there.  Professional movers can do the job that you may be dreading doing and safely move that furniture and other treasured items to your new home.  Its okay if you decide to utilize the option of using a professional as there will still be plenty more for you to do like settle in.

The golf shop will be a wonderful place to have gifts purchased for someone, which loves a good golf game. Of course, they will have to find a gift which is right to buy because this can be hard for the people who does not have any experience with golfing or they do not have insight for this game.  When they are visiting the golf shop and shop for those gifts, they will be able to have an experience, which is great, and they can have some fun going shopping too.

Many gifts are there for someone to purchase. They just have to look for that gift for the golfer, which is avid. One of the gifts, which is common, that is bought from the golf shop will be the golf clubs for it is very easy to buy and will be used a lot for the golf game.

Of course, this can seem that it is easy for the shopping for those golf clubs but this will prove often to be a challenge for many people. The reason for this is there are so many golf clubs that are out there and this can really make it hard to pick one. At the golf shop they are recommended to talk to staff and ask what golf clubs to get are the best for the golf game.

Another of the kinds of gifts they will be able to get at a golf shop is some golf towels. They will serve a number of different purposes for a golf game, as in having sweat on those hot days, cleaning and wiping the putters and golf clubs off,and to ensure that the ground will be dry traction. They can finally get some golf tees at the golf shop too.