The emphasis on solutions and services has increased sharply as customers are now seeking greater value from their printer purchases as IT budgets are trimmed, says an industry expert.
"Printing alone does not bring competitive advantage for a company, but the value content of the pages produced does. So customers are looking for ways to integrate imaging and printing products in their business workflows through solutions," Bruce W. Dahlgren, Senior Vice-President, Worldwide Enterprise Sales, Hewlett Packard, said.
He added there is a growing awareness for management costs associated with a document's lifecycle.
"From a research conducted, we found that for every $1 spent on printing [printer, supplies and service] another $9 is spent in managing and maintaining the document throughout its lifetime. This is the major factor driving consolidation projects and the shift to multifunction printers (MFPs), Dahlgren said.
"With the need for greater compliance and transparency, customers are looking for ways to control and audit document use and distribution," he added.
With the introduction of green building policies within the UAE, office equipment such as printers, faxes and MFPs have an operational impact on the power consumption, office environment and recycling within an organisation.
"We can assist customers through our products and services, such as the HP Carbon Footprint Calculator, to understand and minimise their environmental impact while maintaining business productivity and goals," Dahlgren said.
"MFPs allow customers to consolidate multiple single-function devices [printers, copiers, faxes, scanners] into one single device. Functions such as a copying or faxing previously lived outside of the network, resulting in difficulty to proactively manage these devices and track or control usage."
By moving these functions to a network-based MFP "we can now use management tools and cost control solutions", he added.
Source
Sunday, August 30, 2009
Monday, August 17, 2009
Debt Consolidation Calculator: The Borrower's Best Friend
When it comes down to the running the numbers pertaining to debt, accurately assessing each one of them is but of the utmost importance. You can’t just make wild guesses or rough estimates when figuring out how much you owe and when it’s due. Going about the whole process of debt management demands the computations to be accurate, or you’ll be facing the possibility of coming “short-handed”, and not to mention the “burden” you’ll be bothered with. You’d constantly have thoughts like “was my wild guess anywhere near the actual amount I owe?” and “damn I have got to run those numbers again, don’t think they came out right”.
One method in dealing with multiple debts which is rising in popularity is debt consolidation, which basically “combines” everything you owe into one big bundle, and is paid off as singular monthly payments. The average Joe would find that process to be a little confusing and that his wild guesses won’t cut it – are you an average Joe? Then you might find a debt consolidation calculator to come in handy. What is it, what does it do, and how can it possibly help you? The answer to those questions is it’s a calculator, which is used for the concoction of a debt payment plan, which helps you manage all those financial problems you’re dealing with at the moment.
For better understanding, let’s take a look at the following example: let’s say you’ve taken out a loan, and want to figure out how long you’ll be paying for it, if you were to make the minimum payments only. This can be done by entering the amount owed, and the Annual Percentage Rate – nothing fancy here, just simple math. There are plenty of other ways a debt consolidation calculator can help you, like for the determination of the amount to be paid for every month. This can be done by taking the duration and APR figures of the loan into consideration.
That also means you can calculate a specific time frame for you to pay your debt, by making the necessary adjustments; thanks to the handy debt consolidation calculator. So what you’re doing here is somewhat similar to “goal setting”, where you have set a deadline for yourself to accomplish everything needed to be done. You’ll also be able to determine how much you each monthly payment needs to be. With the aid of the calculator, you won’t need to make uncalculated guesses as to the amount you should be paying and when it’s due. The burden uncertainty will be completely eliminated, which put’s you in a more relaxed and calm state – not satisfied with the current debt payment plan you’ve come up with? Then use your debt consolidation calculator to create a new one; something that’s more suitable and fair on your part.
If you feel that the time frame is too short, then make the appropriate adjustments. Feel that the interest is too high? Again adjust as necessary, my friend. Having accuracy when it comes down to working the figures here is very important and convenient on your part; best part is that there won’t be a need for a financial adviser or anyone of that profession to help you understand how to use the calculator.
Source
One method in dealing with multiple debts which is rising in popularity is debt consolidation, which basically “combines” everything you owe into one big bundle, and is paid off as singular monthly payments. The average Joe would find that process to be a little confusing and that his wild guesses won’t cut it – are you an average Joe? Then you might find a debt consolidation calculator to come in handy. What is it, what does it do, and how can it possibly help you? The answer to those questions is it’s a calculator, which is used for the concoction of a debt payment plan, which helps you manage all those financial problems you’re dealing with at the moment.
For better understanding, let’s take a look at the following example: let’s say you’ve taken out a loan, and want to figure out how long you’ll be paying for it, if you were to make the minimum payments only. This can be done by entering the amount owed, and the Annual Percentage Rate – nothing fancy here, just simple math. There are plenty of other ways a debt consolidation calculator can help you, like for the determination of the amount to be paid for every month. This can be done by taking the duration and APR figures of the loan into consideration.
That also means you can calculate a specific time frame for you to pay your debt, by making the necessary adjustments; thanks to the handy debt consolidation calculator. So what you’re doing here is somewhat similar to “goal setting”, where you have set a deadline for yourself to accomplish everything needed to be done. You’ll also be able to determine how much you each monthly payment needs to be. With the aid of the calculator, you won’t need to make uncalculated guesses as to the amount you should be paying and when it’s due. The burden uncertainty will be completely eliminated, which put’s you in a more relaxed and calm state – not satisfied with the current debt payment plan you’ve come up with? Then use your debt consolidation calculator to create a new one; something that’s more suitable and fair on your part.
If you feel that the time frame is too short, then make the appropriate adjustments. Feel that the interest is too high? Again adjust as necessary, my friend. Having accuracy when it comes down to working the figures here is very important and convenient on your part; best part is that there won’t be a need for a financial adviser or anyone of that profession to help you understand how to use the calculator.
Source
Monday, August 3, 2009
Free Credit Card Debt Consolidation
People are beginning to change the way they think about money. Free Credit card debt consolidation and dealing strictly in cash are two of the new the most common changes that people are making. Truthfully, the only free method of paying off your credit card debt is doing it on your own.
A debt consolidation loan will require you to pay closing costs, but you may be able to have them added to your loan. But, if you have debt it is not in best interest to payoff debt with debt. Most debt consolidation loans are secured with your home. The bad news is that your home can be foreclosed on if you default on the loan. If you look at the recent economy, taking out a home equity loan a few years ago may have put you upside down in your home loan. This is a terrible position to be in.
A debt settlement company will charge you based on the amount of money they are able to save you on your credit card balance. The fee usually ranges from 15%-25%. So, if they save you $2,000, you will be paying from $300-$500 for this service with a net savings of $1,500-$1,700. But, here comes the downside. You will have to pay taxes on that same amount and this transaction will not be reported favorably on your credit.
Credit counseling service is another option you have and for most people that want help managing their debt this alternative is best. Your interest rates will be reduced to below 10% in most cases. If you are currently paying over 20%, this is huge and will save you thousands of dollars and several years. Get onto any credit debt calculator and you will be amazed at what an interest rate reduction can save you. This service usually runs you about $30-$50 a month. One of the big advantages is making only monthly payment to make all of your credit card payments.
Although these are not free credit card debt consolidation options, they are going to cost you less than what you are paying now. Some debt relief methods are better than others and not all will work for all situations. It will depend on your personal debt situation which debt relief solution will work best for you.
Source
A debt consolidation loan will require you to pay closing costs, but you may be able to have them added to your loan. But, if you have debt it is not in best interest to payoff debt with debt. Most debt consolidation loans are secured with your home. The bad news is that your home can be foreclosed on if you default on the loan. If you look at the recent economy, taking out a home equity loan a few years ago may have put you upside down in your home loan. This is a terrible position to be in.
A debt settlement company will charge you based on the amount of money they are able to save you on your credit card balance. The fee usually ranges from 15%-25%. So, if they save you $2,000, you will be paying from $300-$500 for this service with a net savings of $1,500-$1,700. But, here comes the downside. You will have to pay taxes on that same amount and this transaction will not be reported favorably on your credit.
Credit counseling service is another option you have and for most people that want help managing their debt this alternative is best. Your interest rates will be reduced to below 10% in most cases. If you are currently paying over 20%, this is huge and will save you thousands of dollars and several years. Get onto any credit debt calculator and you will be amazed at what an interest rate reduction can save you. This service usually runs you about $30-$50 a month. One of the big advantages is making only monthly payment to make all of your credit card payments.
Although these are not free credit card debt consolidation options, they are going to cost you less than what you are paying now. Some debt relief methods are better than others and not all will work for all situations. It will depend on your personal debt situation which debt relief solution will work best for you.
Source
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