Thursday, April 30, 2009

Improve Productivity and Cut Costs - Is it Possible to Achieve Both?

Immediate Release
Contact Info is below

Improve Productivity and Cut Costs - Is it Possible to Achieve Both?

(Peterborough, UK - April 30, 2009) Improving productivity while cutting costs and maintaining compliance with governance, standards, policies and controls may seem like an impossible task. Add in multiple locations and projects and the task becomes even more daunting. However, there is a solution and its name is Harmony.

"We decided to name the software 'Harmony' because all the elements of compliance are in harmony with each other." says Andy Henry. "This makes monitoring a company's compliance simple, quick and efficient. There is no guess work if a certain standard has been met or if a certain offsite location is in compliance."

Harmony has several unique advantages. The system is built on a visual and graphical interface. One can see at a glance what progress has been made and what areas need further efforts. There's no guesswork.

Cost savings are achievable because time isn't wasted in meetings or conference calls to monitor compliance. It's obvious to see the state of compliance. Confusion is avoided and so is duplication of effort because the details are right up front, not buried in paperwork.

Compliance is important in several industries but perhaps one of the most important is the Payment Card Industry (PCI). Security and privacy protection is critical for the bank, the card processor and the card holder. With identity theft, hacking, and phishing, running rampant in the United Kingdom, it has never been more important to protect information, privacy and systems.

"Harmony provides control, ease of management and understandable up-to-the-minute reporting, in an easy to understand format," continues Henry. "Our software helps everyone involved see what needs to be done, who needs to do it and when it should be done by. There's no confusion about how done you are or where the gaps in compliance are."
About Decisive Ltd.

Founded in the late 1990's Decisive Ltd produces software, and provides related support services, for the global compliance, audit and governance industry. The leading product, 'Harmony', is the benchmark compliance software used by many small, medium and large companies. Clients include national and multi-national businesses across a wide range of industries - manufacturing, entertainment, financial services, communications and energy industries and both central and local government.

Media Contact: Andy Henry
Decisive UK
2nd Floor, East Stuart House,
St Johns Street, Peterborough,
+44(0)1733 475543

Wednesday, April 22, 2009

Drowning in a Sea of Debt?

Press Release - Immediate Release

Contact information is below

April 22, 2009

Drowning in a Sea of Debt?

Debt Consolidation Can Be a Life Preserver

The recession isn't slowing down and darker days may be ahead before there is any significant brightening on the horizon. Unfortunately many families won't be able to wait out the storm as a result of higher credit card debt, plummeting real estate values, and rising unemployment rates. Estimates put credit card debt at nearly $10,000 per household and the total consumer debt at $30,000 per household. Combined with a downward spiral in the value of investment or retirement portfolios it's no wonder the outlook is gloomy. Struggling to make monthly payments adds tremendously to the stress many people are under, and for many, there seems to be no solution

in sight. Fortunately, those struggling to keep their head above water do have several options including debt consolidation.

"Many families in the United States are facing a credit crisis and in quite a few cases it's not their fault," says Joe Kenny, of Thistle Finance Group, "We developed as a safe harbor, a place where debtors could learn about debt consolidation loans in a calm, straightforward manner."

Debt consolidation is simply when a new loan is obtained that is used to pay off unsecured debts. In most cases the new payment amount is significantly less than the individual payments to all the different creditors resulting in some breathing room.

If the new debt consolidation loan is secured on real property, a home for example, the interest rate may be substantially less than credit card interest rates resulting in even more of a break in monthly payments.

"Many families think that bankruptcy is their only option to get out of debt," explains Kenny. "They don't realize that with the new more stringent bankruptcy laws they may not even qualify. And in any event the bankruptcy stays on their credit record for seven years."

Debt settlement, another option for getting out of debt, is negotiating with creditors to accept as payment in full a lesser amount than the principal amount owed. But this is not the ideal solution for most consumers, says Kenny: "The downside to debt settlement is twofold. Until the debt has actually been paid the

debtor can still be pursued for payment and taken to court. In addition the fact that the debt hasn't been paid in full will be reported to the credit bureaus and can damage the debtor's credit score."

A debt consolidation program combined with closing the paid off credit card accounts and other consumer debts, reducing household spending and sticking to a realistic budget can put most debtors back on track. But it is important for those in financial difficulty to be proactive and not just wait and hope that the times will get better. Companies like Thistle Financial Group ( have considerable experience with

the implementation of debt consolidation programs that can help consumers plug the leaks in their financial ship and set sail for a more prosperous future--and an end to financial related stress.


Thistle Finance Group was founded in 2007 and provides debt consolidation loan options to consumers who are struggling with debt.

Telephone (407) 413-9074

Email -

Contact name - Joe Kenny