Comments
yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.

2008 West
DIAMOND SPONSOR:
Data Direct
SOA, WOA and Cloud Computing: The New Frontier for Data Services
PLATINUM SPONSORS:
Red Hat
The Opening of Virtualization
GOLD SPONSORS:
Appsense
User Environment Management – The Third Layer of the Desktop
Cordys
Cloud Computing for Business Agility
EMC
CMIS: A Multi-Vendor Proposal for a Service-Based Content Management Interoperability Standard
Freedom OSS
Practical SOA” Max Yankelevich
Intel
Architecting an Enterprise Service Router (ESR) – A Cost-Effective Way to Scale SOA Across the Enterprise
Sensedia
Return on Assests: Bringing Visibility to your SOA Strategy
Symantec
Managing Hybrid Endpoint Environments
VMWare
Game-Changing Technology for Enterprise Clouds and Applications
Click For 2008 West
Event Webcasts

2008 West
PLATINUM SPONSORS:
Appcelerator
Get ‘Rich’ Quick: Rapid Prototyping for RIA with ZERO Server Code
Keynote Systems
Designing for and Managing Performance in the New Frontier of Rich Internet Applications
GOLD SPONSORS:
ICEsoft
How Can AJAX Improve Homeland Security?
Isomorphic
Beyond Widgets: What a RIA Platform Should Offer
Oracle
REAs: Rich Enterprise Applications
Click For 2008 Event Webcasts
SYS-CON.TV
Today's Top SOA Links


The Clock Is Ticking for Last Minute Shoppers: Consolidated Credit Provides Gift Ideas and Tips to the Latin Community

FORT LAUDERDALE, FL -- (Marketwire) -- 12/19/12 -- With less than a week before Christmas, only half of U.S. consumers who are planning to buy holiday gifts have started shopping, according to market research company NPD Group Inc. ConsolidatedCredit.org advises Latinos to evaluate their finances before rushing to the mall and making impulse buys.

According to the National Retail Federation (NRF), consumers will spend an average of $749.51 on gifts, decorations, and greeting cards, up from last year's $740.57. Consumers are expected to spend a total of $586.1 billion this holiday season, according to the NRF.

Howard Dvorkin, CPA and founder of ConsolidatedCredit.org, warns consumers that waiting until the last second to go holiday shopping can threaten consumers' financial stability.

"Procrastinating shoppers not only risk not finding the gifts they were looking for, but they are in danger of overspending and incurring credit card debt. These consumers end up paying for gifts six months or more after the holidays are over," said Dvorkin.

Latinos who already have debt should be especially careful with their spending, Dvorkin said. According to the NAACP, 79 percent of Latinos carry credit card debt compared to 54 percent of Caucasian households.

Dvorkin's last minute shopping tips are:

  • Designing a quick and effective plan before going holiday shopping is essential. Since time is short, assign a gift for each person and choose the stores that offer the best deals. Keep in mind that most stores will close earlier than usual on Christmas Eve.
  • Some individuals just love to buy presents. Select a couple of friends who enjoy going shopping and ask them to pick up some presents or help with the gift list.
  • E-gift cards can be the perfect solution for those consumers who are running out of time. After all it's hard to choose presents that people actually enjoy, and gift cards give individuals the flexibility to purchase what they truly like. Visit giftcards.com or giftcertificates.com to select different retail stores and card designs.
  • During the holiday hustle and bustle it is hard to determine why we purchase presents for our loved ones. Some questions to consider before making a purchase are: Will the person enjoy, use and appreciate the gift? Could I find this gift, or a comparable gift, for less money somewhere else?
  • For those consumers who just won't step in the mall during the holidays, a magazine subscription can be a great gift option. Most magazines sell subscriptions online at very affordable prices. If shipping takes a long time, wrap a current copy of the magazine and write a letter saying that the next magazine will be arriving soon.

For information in Spanish visit http://espanol.consolidatedcredit.org, http://www.facebook.com/ConsolidarCredito or call 1-800-774-0141.

About Consolidated Credit:

Consolidated Credit, founded in 1993, is one of the nation's largest credit counseling organizations in the country and has helped over 5 million people with financial issues. Their mission is to assist families throughout the United States in ending financial crisis and solving money management problems through education and professional counseling.

Add to Digg Bookmark with del.icio.us Add to Newsvine

Contact
Ines Mato
Consolidated Credit Counseling Services, Inc.
Toll Free: 1.800.728.3632 Ext. 9339
Email Contact

About Marketwired .
Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

Web 2.0 Latest News
It seems like every day we see reminders of the importance of thorough security testing from all areas of the software world. Security has become an especially critical consideration for APIs in recent years. Organizations rely on APIs to share and receive information - either from a t...
Having automated workflows sounds like a sexy thing. And it is. It feels pretty awesome to be able to initiate a process with a button and forget about it while the work gets done. But that doesn’t mean you have to automate every process in your office. I mean, I think people can take...
Clouds are typically classified into four different topologies: private, public, community and hybrid clouds. Let’s focus on hybrid clouds: what are the use cases that require this topology, what are the challenges, and who stands to benefit from the hybrid cloud trend? First off, a d...
Companies are exploiting technology advances in procurement and finance services to produce new types of productivity benefits. We'll now hear from a procurement expert on how companies can better manage their finances and have tighter control over procurement processes and their supp...
Are you still pondering whether to integrate cloud computing services into the structure of your IT network? You are not the only one. Most IT professionals are very concerned about data security, so they aren’t that willing to switch to cloud computing solutions that easily. It’s a fa...
Subscribe to the World's Most Powerful Newsletters
Subscribe to Our Rss Feeds & Get Your SYS-CON News Live!
Click to Add our RSS Feeds to the Service of Your Choice:
Google Reader or Homepage Add to My Yahoo! Subscribe with Bloglines Subscribe in NewsGator Online
myFeedster Add to My AOL Subscribe in Rojo Add 'Hugg' to Newsburst from CNET News.com Kinja Digest View Additional SYS-CON Feeds
Publish Your Article! Please send it to editorial(at)sys-con.com!

Advertise on this site! Contact advertising(at)sys-con.com! 201 802-3021




SYS-CON Featured Whitepapers
ADS BY GOOGLE