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crookpatedspongySoftware and s/w Development

Dec 2, 2013 (3 years and 8 months ago)

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Every employee wants a better quality of life, it’s easy to make a good decision

about choosing Caravan as an alternative benefit plan to your organization


In business for over 10 years



License and Bonded



Enhancing Employee Loyalty


Nationwide.


100% Satisfaction Guarantee



Integrated Credit Solutions



Serving both Commercial and


Consumer Client’s


Caravan believes that customized, personal attention for each

individual case is the way to go, and focuses on customer

support and long
-
term solutions. Our goal is to provide the best

customer service in the industry, and currently our Credit Services

Life
-
Cycle Management System remains unmatched.


In Short, we have ethical standards, resources, and expertise

that typical credit services companies simply cannot offer.

We are dedicated to helping our clients invest in a better quality

of life, restore their credit and come out with a renewed financial

optimism while saving both time and money.




UP to 80% of financially distressed

workers spend time at their place of

employment worrying about
personal financial issues instead of
working.


Employees often admit that their
concerns about personal finance
interfere with their work. Personal
financial distress, therefore
negatively impacts employers.


Job stress costs American industry
alone $300 billion per year from
factors like absenteeism which are
stress
-
related.


FACT


More than half of the 550
million working days lost
annually in the U.S. from
absenteeism are stress
-
related.


Unanticipated absenteeism is
estimated to cost American
companies $602 per worker
per year, and health care cost
are nearly 50% higher for
workers who report high
stress levels.



STRESS COSTS

0
100
200
300
400
500
Chronic Pain
Relationship Stress
Blood Pressure
Depression
Financial Stress
Insomnia
Fatigue
Stress in the Workplace
Worry
Anxiety
Types of Stress

THE HARD FACTS

ON THE COST OF CREDIT

Gross

$30K

Good Credit

Neutral Credit

Bad Credit

Monthly

Net

Income

$2,187.50

$2,187.50

$2,187.50

Auto Payments

$20K

Loan

$563.00

$693.00

$817.00

Mortgage

$150K Loan

$924.00

$1,127.00

$1,330.00

Net Income

$700

$367.50

$40.50

Income

Relativity

$46,154.00

$40,826.00

$30,000.00

Financial Problems Cause


Loss in Productivity



Health and Wellness



Low Morale



Loss time at work



Workplace Accidents



Non work related distractions

The Costs of those Problems for Employers

Building Employee Loyalty

NON
-
TRADITIONAL
BENEFITS

REALITY

The reality is your employees are
probably already taking time from
work to talk with co
-
workers
about personal financial problems,
communicating with creditors
about past due payments, paying
personal bills, balancing
checkbooks, or tying up H/R’s
time cashing in 401k’s or getting
employee advances.

To maintain organizational
competitiveness, employee
benefit programs must not
only provide traditional
benefits, but also provide
unconventional benefits.


Because the labor market is
evolving based on the
changing needs of your
employees, and has become
increasingly competitive for
highly skilled workers,
innovative employers have
incorporated ‘real life”
benefit options to attract
qualified employees.

Leaders
: Are involved in and committed to both their job and their company.

They

Represent the most valuable company asset;


Careerists
:
Are dedicated to their job, but uncommitted to the company. They mainly care about

their own career and personal achievements, and are thus open to competitive offers from other

Potential employers;


Loyalist
s
: Are loyal to their company in the long term. However, they show less enthusiasm and dedication

In relation to their job tasks, which can reduce their work efficiency;


Passengers
:
Lack commitment to both their job and their employer. These people often provoke disagreements

among colleagues and may act against the company’s interests at critical moments.












Purchase a

Home

Automobile

Credit Cards

Employment

Investments

Clients come to Caravan Credit Services with less than perfect credit.

Clients with a credit score below 680 is considered to be a credit risk by


lenders and underwriters. This justifies lenders charging you very high


interest rates which equates to paying 200% to 400% of what your

Home is worth or paying $15,000.00 more than what your car

is worth all due to impaired credit.

For years consumers have been denied credit. Whether it’s trying to purchase a home,

an automobile, or credit cards. Over the last few years consumers have struggled with

Finding suitable employment, renting apartments or maintaining basic day to day life

Functions. Consumers have spent countless hours trying to make end meet. Bad

Credit has cost consumers and businesses a large amount of money from lost in

Productivity, employee loyalty, health problems due to stress and family problems

Due to lack of finances and credit. For over the last decade, Caravan has helped tens

Of thousands of clients restore their financial and credit viability.

Once you enroll in Caravans Credit Services Life Cycle
Management System you will be educated on everything
you need to know about the credit restoration process, so
you can be confident in your future credit making
decisions.

At Caravan Credit Services we counsel our clients on the components of the scoring
system that is used to determine the risk level assigned them by an underwriter when they
attempt to make a purchase on credit. We counsel our clients on the importance of paying
on time, the importance of keeping their credit utilization ratio down, and that a blend of
credit can help them keep their credit score at a respectable level. Our state of the art
software allows our restoration counselors the ability to manage and analyze unlimited
loan
amortization
scenarios to evaluate which one would be most convenient for their
clients. They are able to advise their clients on which credit cards to pay first whether you
want to save money or if getting a better credit score has a priority. Utilizing our client
portal, our clients are able to follow along in real time the progress taking place in
restoring their credit.

The Benefits of Caravans CSLMS

Benefits of Caravan’s Credit
Services Life
-
Cycle Management
System.


It enhances your employee
benefits package.


It creates financial and credit
viability for your employees.


Reduces Stress and Increases
Productivity.


No cost or liability to your
company.

Current Non
-
Traditional
Benefits


Massage Service


Transit Passes


Gym Memberships


Fresh muffins every morning


One day off per month


Shorts and Sandals days


Costco memberships


Telecommuting


Nicer Chairs/Equipment


Free/Cheap movie tickets


Pool table/big screen TV in lounge


Ski lift passes you can borrow


Education subsidy


CARAVAN CREDIT SERVICES

To see if Caravan’s Credit Services Life
-
Cycle
Management System can benefit your company
contact one of our National Account Executives
Today at:


Toll Free no (800) 617
-
3417

Direct Line: (832) 678
-
2979

or visit our website at

www.caravancredit.com