Consumer Credit Services

It isn’t surprising that consumer credit services are a booming business today. The credit card industry along with a strong economy for a number of years made overuse of unsecured credit all to enticing form most people. With an economic downturn now full-blown, most are reeling under massive financial debt. Consumer credit services are capitalizing on people’s need to get out of debt.Consumer credit services can help to facilitate the process of eliminating debt in a number of ways. For the person, who is still in control of his or her finances, there are services that help in future planning and budgeting, and are just educational in general. Beyond that, and for the people who are beginning to lose control, there is credit counseling along with debt consolidation. These consumer credit services work very well for the consumer who has yet to start missing payments or has fallen somewhat behind. Debt consolidation without the necessity of a loan works very well for those with smaller debt, but who are behind. For those with assets like a home or other property, they may find it necessary to obtain a secured loan using that property as collateral. While it is one way to pay off one set of debts, it certainly doesn’t get rid of debt completely.

Other options in consumer credit services such as debt settlement, debt management, and bankruptcy are more drastic measures, but each does work. Bankruptcy, while claiming to be a fresh start with all bills erased, no longer works that way. The consumer can often end up losing assets and still paying off some creditors. Both debt settlement and debt management work without the necessity of loans or loss of property. By working with a consumer credit service known as a debt resolution company, professional negotiators work with the consumer’s creditors and the principles are reduced. At times, this can be as much as 50% off the original balance. The consumer pays monthly into an insured account. Money from the account is used to pay off creditors. With even the most sensible monthly plan, a consumer can be free of debt in 12 to 48 months at the most.

Consumer credit services are found everywhere these days, and the consumer has to be aware that many of them are not what they seem. Checking credentials, certifications and references is paramount to working with one that will have a good and complete program.

Selecting and Clearing Music For Radio Commercials

Proper music selection and proper music clearance for radio commercials is an important step in the radio advertising process. Whether you are a radio station, an ad agency, a voice-over talent, or an independent production company it is imperative that you do a good job choosing the right music for your spot, as well as getting the proper music clearance for your project. Royalty free music libraries are a great place to start, as they have many different styles of music that can be previewed online.Choosing the right song is typically the easy part. As you sit down to create your radio commercial, ask yourself the following question: “what is the mood that I need to support with my choice of music?” For example, if you are creating a public service announcement designed to tug at the heartstrings, your music choice should be emotional, mild, and slightly dramatic. On the other hand, if you are trying to sell the latest and greatest fitness equipment, you probably would want to steer the music toward some high energy, workout music. Ultimately, the music and the copy need to support each other. A radio commercial with well selected music can bring a far greater return than one that is put together without a lot of thought given to the production music.

For most people, proper music clearance is a bit more complicated than selecting your music. For example, if a radio commercial is read as a “live spot” on the air, the station can use almost any music in the background that is covered by their ASCAP or BMI licenses. The key here is that the music is not repeated consistently, or used so frequently as to be construed as theme music for that particular radio commercial.On the contrary, most radio commercials are produced once for multiple broadcasts. Regardless of who is producing the radio commercial or where it is being produced, proper music clearance is a vital step in staying on the right side of the law. When you synchronize a piece of music with your commercial, you will need to get music clearance from the owners or representatives of that musical work (the music publisher) and of the owners of the master recordings (sometimes the publisher, sometimes the record label, sometimes the artist, etc.). Royalty free music libraries are a great place to start because they can typically grant full music clearance on both the musical work (copyright) and master recordings.

If you are hiring someone to create your radio commercial for you, the responsibility for the music clearance typically falls on the radio station, ad agency, or production company who actually creating the spot for you. It is always a good policy to discuss music clearance with them to make sure everyone is on the same page.

Mobile Computing

Mobile computing refers to the use of any kind of computer in a moving environment. The motion may be of the device itself, as in laptops, palmtops, wearable computers, and mobile phones; or it may refer to the dynamics of the computing process, as in digital cameras, podcasters and MP3 players. Mobile computing devices generally use wireless technologies such as LAN, Wi-Fi, GPRS and the more recently introduced MAN.Mobile computing can be broadly classified into two categories – portable computing and mobility computing. Portable computing actually refers to wired communication. Portable devices themselves are movable, but in order to access them one needs to connect them to a network port. That means, portable computing devices can be carried to wherever there is a network port available. Mobility computing is also called simply mobile computing nowadays. This is true wireless communication. Not only are the devices movable, but they can also be accessed from almost anywhere. Today, portable computing is almost on the verge of extinction; mobile computing has made its foray into almost every aspect of human life.

The first usage of mobile computing devices was perhaps in vehicles. Speedometers were among the first devices to get computerized. Almost every modern vehicle has several mobile computing devices under its dashboard. Cell phones are another rampant proliferation of mobile computing today. Every single cell phone is a computer in its own right. With the advent of wireless technologies, it is also possible to access the Internet through cell phones. Blue tooth has brought cell phone users closer than ever before and has facilitated data transfer within a stipulated area. Another brilliant advancement in the field of wireless technologies is the Metropolitan Area Network, or MAN, which will allow vehicles and cell phones to remain in communication with each other forming a network probably much vaster than the internet.Today, mobile computing is a boon to people on the move. It can be used for checking mails while in transit and even carry out transactions and businesses. Services like SMS (Short Messaging Service) and MMS (Multimedia Messaging Service) are targeted towards the younger generation to remain in contact with their colleagues and friends. During sports events, mobile networks keep users informed of the goings-on.

However, critics are concerned with the intrusion of privacy that mobile computing creates. Several members of the younger generation are turning into ‘gizmo freaks’ and becoming almost addicted to their mobile computing devices like watches and cell phones. Some of these devices which work on infrared technologies can also pose potential health risks.Yet, mobile computing has become an indispensable extension of technology today. It is definitely here to stay.