Should GM Go Through A Corporate Name Change?

By Jennifer McClelland

There have been quite a lot of corporations that have replaced their names subsequent to coming under attack and falling into bankruptcy. Some of the companies that have done that include ValuJet or now known as AirTran, Altria or as you may have once known it, Philip Morris, and Xe, which was once known as Blackwater. Even electronics maker LG has changed its name from Lucky Goldstar to just LG and claimed that it stood for Lifes Good and now its performing superbly with its sales of consumer electronics and appliances.

These corporations have done well with the name modification; it is as if they are cracking what they once were and becoming a another company with a polished, pure representation.

Promotion professionals nationally are in agreement that the rebranding of GM could be a good thing. If the objective is to attempt and put this company on a immense diet and just turn it into a less significant car manufacturing venture, Im not confident thered be that much harm in rebranding, said Jean-Pierre Dube, a University of Chicago marketing lecturer. The brand isnt in good form, he said, so they have little to lose.

The General Motors make has already become a flawed brand, with a reputation of building poor quality cars and now with a massive bankruptcy filing under its belt, not to bring up what everyone thinks about the corporation taking all that federal money to keep from having to file for the huge bailoutwhich they filed anyway.

Of course, at the moment many GM officials are sticking to what they know and not wanting to rebrand the corporation. CEO Fritz Henderson said that rebranding wasnt really high on his list of things to do in the company. Which is perhaps a good thing to do taking into account all the troubles he inherited, but couldnt rebranding be handed off to the marketing section? After all, GM in spite of everything has one of those and it really doesnt have the money to be throwing into high-cost television spots right now.

Bits and pieces of GM have already begun to be rebranded; GMAC financial services has changed its name to Ally Bank and General Motors Asset Managemnet is now known as Promark Global Advisors.

However, with a business that is as well recognized as GM might it work?

I dont think something wrong with trying to perhaps market the company in a different way than before, but an whole new brand could be tricky to pull off for the corporation. I feel that the best implementation of rebranding could come from if it were to rebrand a number of its brands such as Chevy or Cadillac. - 23200

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Five Little Known Facts About Debt Collectors' Rights

By Sean Payne

If you still owe money on debts, you may already know your rights under the Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act, also called the FDCPA, says that you have the right to demand that debt collectors use certain ethical debt collection practices.

The FDCPA specifies exactly when debt collectors can contact you, how they can do it, and what they can tell you in order to collect on a debt. One example is that a bill collector can't tell you a lie or misrepresent the truth about your debt. The FDCPA was created after a long string of debt collectors abusing people to collect on debt. What you probably don't know about the FDCPA, however, is that even bill collectors have rights.

First, they have the right to initiate communications with you in order to inform you about your debt. These communications may be in the form of a telephone call or a letter. In this communication, they can spell out exactly what you owe, including fees and penalties.

Second, a collector has the right to continue to contact you until you notify them in writing that you don't owe any money, that you don't owe all of the money, or that you require verification that you really owe the debt. Of course, the FDCPA limits when and how they can continue to contact you, but as long as they operate within the rules of the law, they can continue to contact you until you put a stop to it.

Third, the debt collector can continue to contact you even if you request that they stop contacting you, as long as the debt collector is actually the original creditor, or an in-house agency owned by the creditor. This is because the FDCPA recognizes creditors as being different than debt collectors, so they don't have to follow the same guidelines that debt collectors do. They do, however, still have to follow the same rules of decent behavior that debt collectors do. This includes not harassing people you know, or calling you at all hours during the night.

Fourth, a debt collector has the right to contact others about your debt. They can only do this once, though, and they can only do it to find out your address, your telephone number, or the place where you work. They are, however, prohibited from contacting any third party multiple times, because that would be harassment.

Lastly, a debt collector can sue you in court in order to collect on a debt that you owe them. Of course, you still have the right to defend yourself in any legal proceedings, but if the judgment goes against you, the judge may garnish your wages.

If you have to deal with debt collectors, know your legal rights. But make sure that you also know the rights that the FDCPA gives to debt collectors. Knowing this can help you to deal with them more easily when they become a problem. - 23200

About the Author:

Sean Payne is crazy about personal finance and getting out of debt. After paying off his own debt, he devoted years to finding the quickest way to get out of debt, and keeping your cool while dealing with debt collectors. To learn more about debt collectors' rights, and what you can do to preserve your peace and quiet, check out his excellent debt reduction course.

Learn Forex Trading For Profits

By John Roberts

When you want to be involved in your investments learn forex and enjoy the liquidity, the currency pairs, the low spread and more. This global market offers fast growth when you understand the processes.

There are very little daily adjustments, fewer than 2%. Your positions will take on the rest of the process. When you adjust the leverage do so in small amounts. The rates on buying and selling are low and there are not commissions.

The forex exchange is driven by the people in the market. When an exchange takes place, the rates are affected. The large corporations, banks, and industry cause the extreme movement in the rates. Learn to analyze currencies so you can predict the currencies movement

Success comes when your predictions are correct and your profits starting growing. Learn the conditions that cause the movements and you will be closer to predicting correctly.

All these factors are proven methods of success in forex trading. Learn to recognize and predict capital flow, interest rates, deficits and economic growth. Learning to make more in profits comes to you with these methods.

Forex trading, does take a watchful eye and you can acquire a device to alert you as well as some software's that can help. You are going to need as much knowledge as others, if you are involved in the investing.

You will learn to recognize indicators and to focus on two or more technical indictors. You can make a realistic profit on the forex and can lose money too. Learn all you can and start with a small investment.

This investment does not require you buy anything like stocks. You will be dealing with only silver, gold, or currencies. When you understand the art of using Leverage you can make higher profits. You can work with a broker and let them guide you along and give you advice as you learn forex. - 23200

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Learn forex trading with the best ebooks and software systems available. Find out what others are saying about them at CritiqueDirect.com

Software You Can Use to Get Out of Debt Software You Can Use to Become Debt Free The Best Software for Getting Out of Debt The Best Software Programs for Getting Out of Debt

By Sean Payne

If you're still in debt, you may have noticed that many people who have successfully gotten out of debt tend to use some kind of debt free software. There's a reason for why they do this: It works great!

Success leaves clues. There's no doubt about this. What this means for you is that people who have successfully gotten out of debt have done specific things and used specific techniques to find their escape from debt. If you do the same things they did to get out of debt, you can expect to be able to get out of debt as well.

One of the things that people who get out of debt have usually done is to make a debt payoff plan, and then to work that plan. If you've created a plan to get out of debt, the right software will help you stick to your plan.

When it comes to getting out of debt, my favorite software is budgeting software. My personal favorite budgeting software is called "You Need A Budget". This is an Excel spreadsheet program that is 100% created to help you budget your money and get out of debt. I credit all of my success with getting out of debt to the fact that I use my budgeting spreadsheet program.

Among the many other great budgeting software programs, one in particular stands out. Mvelopes Personal is a great web-based budgeting program that allows you to work with your personal budget from almost anywhere in the world. Mvelopes will also automatically pull transactions from your credit card and bank accounts, and puts them into your budget.

One free budgeting system that I've tried out is Mint. It's another web-based budgeting system that won't cost you a cent to use. A great feature of Mint that is great for you is that it searches credit card companies for lower rates than you're already paying. If it finds a good offer, Mint will let you know, potentially saving you hundreds or thousands of dollars in interest. Mint does the same thing in reverse for bank accounts. If it finds a higher-interest account, it lets you know, potentially earning you hundreds of dollars more in interest.

In addition to budgeting programs, there are plenty of other debt reduction software programs that will help you follow your plan for getting out of debt.

Intuit's Quicken and Microsoft's Money are both programs that can help you so create a budget and manage the rest of your finances. Both of these programs have related capabilities, so whichever one you decide to use, they'll both do about the same thing. One of the complaints I have about these two programs is that they do too much. They have so many features that you will probably be distracted from your plan to get out of debt.

My advice is to stick with a simple budgeting program that helps you track your expenses, income, and debts. don't get caught up in complicated software that does more than you need it to. Even a spreadsheet that you create can help, but I recommend that you use software that has a good reputation of helping others to get out of debt.

Whatever software you choose to help you with your debts, start using it today and don't switch software unless it really doesn't do what you want it to. Use it consistently, every day or every week as your situation requires, and your software will quickly get you out of debt. - 23200

About the Author:

If you're serious about paying off all your debts, the right debt free software can help you to do it much faster. Check out Sean Payne's great advice at his best budgeting software program website.

Free Forex Training The Truth Behind It

By Chris Green

Free forex training, sure its out there and you can find it easily enough, but do you think that free training is going to make you an expert in forex? No, definitely not. Sure you may learn some good tips or information on training through a free guide, but not the kind of information you need to be a wealthy trader. Most new traders looking for free training have the mis conception that they can be successful by this alone. The day traders that have been doing it for years know that it pays ten fold to get good training. Think of the time and effort put into free training compared to paid. The paid is going to have much better information and tips, or else people won't buy it.

Sorting through free forex training guides, I have found that most of them are the same. They supposedly offer you all the secrets and insider information to give you an edge, from what I have found this is not the case.

Hopefully you are realizing that free forex training guides are really just a misleading tool that keeps the new traders confused and distracted. What makes sense about someone telling their trading secrets or tips in a free guide that is shared to everyone? When others can and do charge for good training?

Taking a peek at free forex training guides from this point of view can possibly help you out. If there is a trader that is willing to pay for training, it means they are serious about their own success. If they are serious about their own success, they are looking for the best training out there. The expert trader that is offering the training knows that serious traders are willing to pay for good training, so they put more effort into their guides, go over more detail and further into depth about trading. This factor alone shows that the paid training will have much better and detailed information that can be applied to your trading.

So should I stick to free forex training guides? No, if you are serious about being a successful foreign exchange trader, then you should be looking for more than a simple free gimmick that isn't going to give you much useful information. If you want to get the right tips and secrets on making yourself a successful trader, then you must check out this guide that I have been serious about. This guide will show you what free guides wont. Take your trading serious, and get a proper training guide today to make your profits for tomorrow a whole new experience. Make your profit margins as massive as you want! Don't delay, the goldmine of guides is found for you, so you don't have to waste your time searching. - 23200

About the Author:

If you truly want to get out of the ditch and make a buck, check out the "Big Wigs" Free Forex Training. If you have searched this far, and you want to make real profits for your self, stop letting the "Big Wigs" spoon feed you tips, find out their insider Free Forex Training.