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10 Ways To Boost Your Credit Score

1. Deleting Errors in 48 Hours

This is the absolute fastest way to correct errors on your credit describe and raise your credit score. However, it can only be done through a mortgage company or a bank. If you apply for a home lend and find errors on your credit report, request the loan officer to conduct a Rapid Rescore. But don’t mistake it for the credit clinic tactic of multiple dispute letters.

The Rapid Rescore strategy requires proper paperwork. You need proof that the item is incorrect. It must come from the creditor directly. For example, a letter stating the account is not your account, a letter stating the been was paid satisfactorily, a release of lien, a satisfaction of judgment, a bankruptcy discharge, a letter for deletion of collection account or any relevant evidence.

This is the same documentation a bank or mortgage company would require for the credit accounts anyways. The difference is, now you can improve your credit score and receive a lower interest rate. The results are not guaranteed and will run you about $ 50 per account.

2. Deleting Negative Credit

This is the infamous area where you’ve heard of all the scams. Credit repair clinics charge “an arm and a leg” and promise a clean credit report. Sometimes even a new attributing profile! People spending hundreds, or even thousands, of dollars for something they tinning do themselves.

Removing errors is simple. Deleting negative credit that is accurate requires advanced methods. But that is not the scope of this report. So I’ll riveting on the deleting the negative errors.

Credit describe errors easily disappear by using a simple dispute letter. If you have the paperwork proving the error as mentioned above in Rapid Rescore, send copies of that along with the dispute earn. This will make the credit bureau’s job easier and you will get faster results.

If you don’t have the documentation to prove the error(s), send the dispute letter anyway. According to federal law, the credit bureau’s have a “reasonable time” to validate your claim. They will contact the creditor for verification of your dispute. Then the account will be reported accurately – or deleted. It has been generally accepted the “reasonable time” to complete this task is 30 days.

If you’re not the do-it-yourself kind of person. Or don’t have the time. You could hire someone who is very economical.

3. PiggyBack Someone’s Credit

This is a fast and great little credit score booster. But it requires a very trusting relationship. Simply put, someone else adds you to their credit account. For example, when applying for a credit card, you may have seen the section to add a card holder. If your trusting person adds you, their payment history is now reported on your credit report too. If they have perfect credit, now you have a perfect account.

To make this more effective, use an aged account. Imagine if your trusted person has a 10 year old credit card account with a perfect payment history and a balance of only 50% of the credit limit. Wouldn’t you love to have this on your credit report? Once done, do check your free credit report gov annually and more. Look for the changes. The easy part is your trusted person just calls the credit card company and requests a form to add a cardholder. Once completed and activated, their entire account history and future is now firmly planted on your account. Imagine if you secured 3-5 of these accounts – especially installment accounts. Your credit score could sky-rocket!

The challenging part? Finding the trusted person. Since you already have a low credit score and bad credit, how eager will someone be to make you a cardholder? Even your parents don’t want you to damage their credit. But, no one says you need to possess the card! In other words, your trusted person could add you as a card holder and never give you the card or PIN or any information. Since the bills and all account information is still mailed to the trusted person’s address, you won’t know anything about the account. This scenario could land you many trusted persons. And you still benefit with a higher credit score.

4. Playing Round Robin

This strategy is one of the oldest credit building techniques around. It used to be accomplished with secured savings accounts. But now, it’s much easier with secured credit cards. In fact, I’ve used this method myself.

Here’s how it works: Take ,000 (or what you can afford) and get a secured credit card. Once received, get a cash advance of 70% of your credit limit. Get a second secured credit card. Once received, get a cash advance of 70% of your credit limit. Get a third secured credit card. Once received, get a cash advance of 70% of your credit limit.

Open a new checking account with the final cash advance. Use this account only for making payments on your three new credit cards. If you make your payments on time every month, your credit score will increase because you now have three new perfect payment credit cards. (Initially, your credit score might drop a few points due to the rapid, multiple accounts being opened. However, be patient because within 4 months of no new accounts or any delinquencies of any account, you will see your credit score increase. Mine increased 60 points in 60 days!!)

5. Pay on Time

This one is quite obvious. But after 12.5 years in the mortgage business, I discovered it still needs repeating. Your creditors were gracious enough to loan you money. Now pay your damn bills! If you don’t, your credit score decreases. EVEN IF ONLY 30 DAYS LATE!

That’s right folks. For some reason people think, “I’m only a few weeks late. What’s the big deal?” Well, for the loan company, if you pay late but consistent, they make a lot more money with late fees and more interest (if a simple interest loan). For you, your credit score is damaged. If you think long-term and credit score, I’m certain you would not have a cavalier attitude.

6. Pay Down Debts

This seems like an obvious method, doesn’t it? But it is not as transparent as you might think. Remember, we’re playing with high-level statistics and probabilities which evaluates and forecasts trends in your behavior. Here’s what you do…

Never pay off your revolving debt in it’s entirety! Isn’t that a surprise? Think about it. Your credit score is a reflection of your ability to manage your credit. Paying off your debt is not managing your debt. If you have a zero balance, how can you manage it? You don’t. It no longer exists. And you cannot manage what does not exist, right? Therefore, in terms of credit score, you have demonstrated your ability to swiftly pay off accounts to avoid managing them. Thus, slightly decreasing your credit score.

One exception, of course, is if you’re over extended to begin with. Pay off what’s necessary to make your credit profile look great. Then manage the remaining credit.

7. Don’t Close Accounts

Even if you pay off revolving debts, do not close the account. The longer an account is open with no negative reports, the better it reflects in your overall credit score. This is due to the weighted-average in the credit score formula. Many credit experts suggest a balance of 30% of your credit limit. That’s ideal. But you can go as high as 70% and still maintain a healthy credit score.

8. No New Credit

You must be vigilant in your credit behavior if you want the best credit score. Therefore, do not get any new credit unless it is absolutely necessary. Each time you apply for credit, an inquiry is added to your report. This usually drops your credit score slightly. When you have fresh credit, there is no track record how you will manage (or pay) this account. Therefore, it’s a higher risk which results in a minor drop in your credit score. Remember, your credit score is about risk assessment.

Here’s what you do: obtain credit for your housing, transportation, college or continued education and 3-5 credit cards. That’s really all you need for personal credit. If you want more credit, request a credit limit increase on your current cards rather than apply for new ones.

9. Maintain A Mix of Credit Types

If you show you can handle different types of credit at the same time, you are rewarded with a great credit score. In other words, get installment loans like vehicle, personal loan or mortgage. Get revolving credit like credit cards: Visa, Mastercard, Sears, Sunoco Gas, Costco. By mixing it up, you demonstrate you can manage your credit because you will have short term and long term credit with a fixed payment. As well as a “variable” monthly payment on your credit cards.

Keep these accounts open with a balance of 70% or less and paid on time and you will witness your credit score climb to great heights.

10. Don’t File Bankruptcy or Foreclosure

Here’s the most obvious advice: Don’t file for bankruptcy or foreclosure. These stay on your credit report for 10 years and always decrease your credit score. The older the bankruptcy or foreclosure account becomes, coupled with re-built credit history, the less of an impact they play on your credit score.

Contrary to popular beliefs, you can legally delete a bankruptcy and foreclosure. It’s not easy.

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Which Type Of Real Estate Loan Suits You?

Homebuyers and residents have to determine which mortgage loan is suitable for them. After that, the next step in enabling a mortgage loan would be to fill out an application ( Uniform Residential Loan Application ). Although we attempt to result in the loan easy and simple for your needs, getting a home loan loan is not an insignificant process.

The following is a brief synopsis of some loan kinds which are now available.

STANDARD OR CONFORMING MORTGAGE financing would be the most common forms of mortgages. These include a set rate real estate loan which is the most frequently looked for of the numerous loan programs. If for example the real estate loan is complying, you will probably have a simpler time finding a lender than in the event that loan is non-conforming. For conforming home loans, it doesn’t matter whether or not the mortgage loan is an adjustable rate mortgage or a fixed-rate loan. We discover that even more borrowers opting for fixed mortgage price than other loan services and products.

Standard home loans come with several resides. The most typical life or term of a
mortgage loan is three decades. Usually the one significant advantage of a 30 12 months home loan loan is one pays reduced monthly premiums over its life. 30 year home loans are around for Conventional, Jumbo, FHA and VA financial loans. A 15 12 months home loan is usually the least expensive approach to take, but limited to those that can afford the bigger monthly payments. 15 12 months home loans are around for traditional, Jumbo, FHA and VA financial loans. Understand that you may spend more interest on a 30 12 months loan, your monthly obligations tend to be reduced. For 15 year home loans your monthly obligations are higher, nevertheless pay more principal and less interest. Brand new 40 12 months home mortgages are available and some of the the modern programs regularly finance a residential acquisition. 40 12 months mortgage loans can be purchased in both mainstream and Jumbo. If you’re a 40 year home loan debtor, you will probably pay more interest across lifetime of the mortgage.

a secured speed Mortgage Loan is a type of loan where interest stays fixed
over lifetime of the mortgage. Whereas a Variable Rate Mortgage will fluctuate within the life
of the mortgage. More especially the Adjustable-Rate Mortgage loan is that loan that a
fluctuating interest. Very first time homebuyers may take a risk on a variable rate for certification functions, but this will be refinanced to a set price as soon as possible.

A Balloon home loan loan is a short term loan which has some threat for the debtor. Balloon mortgages makes it possible to enter a mortgage loan, but again ought to be financed into a more dependable or steady payment item the moment financially possible. The Balloon Mortgage should really be well-thought-out with a strategy in position when getting this system. Including, you’ll anticipate being in the house for only 36 months.

Inspite of the bad rap Sub-Prime Mortgage financial loans are getting recently, the marketplace with this kind of home loan is still energetic, viable and needed. Subprime financial loans would be right here the timeframe, but because they are not government backed, stricter endorsement requirements will in all probability occur.

Refinance home loan loans tend to be popular and will increase your monthly throwaway earnings. But more importantly, you need to re-finance only once you are looking to lower the interest price of the home loan. The loan procedure for refinancing your real estate loan is a lot easier and faster then when you got the first loan to buy your home. Because shutting costs and things tend to be gathered every time a home loan loan is shut, it’s generally speaking wii concept to refinance usually. Wait, but remain frequently informed on the rates of interest so when they truly are attractive sufficient, get it done and work fast to lock the rate.

a Fixed speed Second Mortgage loan is good for those economic moments particularly residence improvements, expenses, or other huge expenses. A Second Mortgage loan is home financing provided only if there is certainly a primary home loan subscribed resistant to the home. This Second Mortgage loan is the one this is certainly guaranteed because of the equity at home. Typically, you could expect the interest rate regarding 2nd mortgage loan to be higher than the attention rate for the first loan.

An Interest just Mortgage loan is not the right choice for everybody, however it can be very efficient choice for a lot of people. This might be another loan that must be thought-out carefully. Think about the period of time you will be in the house. You are taking a calculated threat that home values increases once you offer which will be your monies or capital gain for your next residence acquisition. If programs change therefore become residing in home much longer, think about a method which includes a new home loan. Again pay attention to the rates.

A Reverse home loan loan is designed for individuals who are 62 years old or older and curently have home financing. The opposite home loan relies mostly on the equity in the home. This loan kind provides you a monthly income, however tend to be lowering your equity ownership. This is a tremendously appealing loan item and really should be seriously considered by all whom qualify. It could result in the twilight many years more workable.

The best way to be eligible for a Poor Credit home loan loan or Bad Credit Mortgage loan is always to fill in a-two small application for the loan. Definitely the best way to be eligible for any home loan loan is by setting up good credit score. Another loan vehicle offered is a Bad Credit Re-Mortgage loan item and essentially it is for refinancing your overall loan.

Another element when it comes to trying to get a mortgage loan could be the price lock-in. We discuss this at size in our real estate loan primer. Keep in mind that having the correct real estate loan gets the keys to your new home. It may sometimes be tough to determine which mortgage loan is relevant for your requirements. How do you understand which home loan suits you? In a nutshell, when considering what mortgage loan is right for you, your personal financial predicament needs to be considered completely information. Full that first rung on the ladder, sign up, and you are clearly on your way!

For additional information about mortgage loan types, home mortgage services and products or a bad credit mortgage loan and where to apply for a Bad Credit Home Loan check out a well known web site supplying information, guidelines, home loan advice and resources including all about separate help finding the most useful old-fashioned mortgage, adverse mortgage brokers, subprime mortgages, and a Refinance Mortgage Loan

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Miami, Fla (PRWEB) January 23, 2015

Miami house sales raised in December, as single-family residence sales established an enduring yearly document in 2014 and also typical prices remain to increase at a much more modest quote, baseding on the 35,000-member M IAMI Organization of REALTORS as well as the neighborhood Multiple List Service (MLS) system.

. Sales Enhance for Single-family Houses, Decline for Condos . Year-end sales of single-family house sales in 2014 set an all-time record, increasing 4.8 percent to 13,521 compared to 12,899 the previous year. Condo sales in 2014 were the 2nd greatest in past history, reducing 4.3 percent to 16,409 compared with 17,142 the previous year. Integrated sales for the year lowered a negligible 0.4 percent.

. Single-family home sales in Miami-Dade County boosted 9.6 percent loved one to December 2013, from 1,140 to 1,250. . Condominium sales minimized 2.1 percent from 1,426 the previous year to 1,396 last month. Combined, residential genuine estate sales raised 3.0 percent to 2,646 compared with 2,566 in December of in 2013.

. The Miami property market once more mirrored great demand in 2014, stated 2015 Residential Head of state of the MIAMI Association of REALTORS Christopher Zoller. More single-family homes were marketed in Miami-Dade Region than ever in past, while condominium sales marked their 2nd greatest year ever regardless of competitors from brand-new building supply.

. Single-family home costs, which again increased in December year-over-year, continue to be at cost effective 2004 degrees in spite of greater than 3 years of constant year-over-year increases. Condo rates also boosted in December, marking 42 months of development in the last 43 months.

. The typical list price for single-family residences raised 3.6 percent, approximately $ 255,000 from $ 246,180 in December 2013. The typical price for single-family houses minimized 1.7 percent from $ 414,560 in December 2013 to $ 393,340 last month. . Compared with December 2013, the average list price for condominiums enhanced 9.6 percent to $ 195,000 from $ 175,000 a year prior. The typical list price for condos boosted 19.9 percent to $ 409,707 from $ 341,687 in December 2013. . Year-end price for 2014 boosted 8.9 percent to $ 245,000 for single-family residences and 8.6 percent to $ 190,000 for condos.

. Miami Real Estate Proceeds Offering Prompt, Near Market price . Miami residential properties continuously sell quickly and also at virtually asking price, reflecting solid demand. . The mean variety of days on the market for single-family houses offered in December was merely 45 days, a rise of 9.8 percent from December 2013. The average percent of initial listing price received was 94.7 percent, down an imperceptible 1.7 percent from a year previously. . The median number of days on the marketplace for condos offered in December was 57 days, a rise of 9.6 percent compared with the very same period in 2013.

The ordinary price was 93.8 percent of the asking price, a decrease of 3.3 percent. . The typical days on market for residential properties marketed in 2014 were 45 days for single-family homes, an increase of 9.8 percent, and also 57 days for condominiums, an increase of 23.9 percent.

The typical sales rate was 95 percent of the asking rate, a decline of 0.6 percent, for single-family homes and also 94.7 percent, a reduction of 1.7 percent, for condos. . National and also State Numbers . Across the country, sales of existing single-family homes, townhouses, condominiums, and co-ops in December,

increased 2.4 percent from November and also were up 3.5 percent from what they were in December 2013, according to the National Organization of Realtors(NAR ). Statewide closed sales of existing single-family houses totaled 22,414 in December, up 15.8 percent compared to the year-ago number, baseding on Fla Realtors. Statewide sales of condominiums amounted to 9,466, up 11.3 percent from December 2013. . The national average existing-home cost for all real estate kinds was $ 209,500 in December, a 6.0 percent rise from December 2013, according to NAR. The statewide mean price for single-family alreadying existing houses last month was$ 185,000, up 6.9 percent from the previous year, while that of townhouse-condo residential properties was$ 149,000, up 8.4 percent over the previous year. . Statewide closed sales of existing single-family homes amounted to 244,543 in 2014, up 8.1 percent compared with the 2013 figure. Shut sales of condominiums amounted to 108,354 statewide in 2014, a decline of 1.2 percent from 2013. . Cash money Sales Decrease Somewhat, Condo Funding Remains a Hurdle . Cash money sales in Miami remain to decrease as more financing comes to be readily available. Still, access to home mortgage lendings for

condo customers remains restricted, impeding additional market fortifying.

. In Miami-Dade Region, 55.9 percent of total shut sales in December were all-cash purchases, compared with 57.2 percent in December 2013. Cash sales in Miami are still double the national figure of

26 percent. All-cash sales accounted for 41.8 percent of single-family residence as well as 68.5 percent of condo closings, compared to a year previously when cash sales were 41.0 percent of single-family home sales as well as 70.3 percent of condo sales. . In 2014, cash money sales made up 57.2 percent of complete alreadying existing sales as compared to 61.6 percent in 2013. . Because nearly 90 percent of foreign purchasers in Fla acquisition

properties all money, this remains to mirror the much more powerful existence of international purchasers in the Miami property market. . In addition to energetic domestic buyers, foreign buyers continuously bolster the Miami realty market, as shown by the high percentage of money sales locally as compared to the remainder of the nation, claimed Zoller .

As Miami continuouslies build its image as a leading worldwide city, international investment in our real estate is expected to continue to fuel market growth. . Short Sales Remain to Reduce . While conventional sales stay sturdy, distressed residential property transactions in December once more declined in Miami-Dade due to less brief sales. In December, just 31.5 percent of all closed household sales

in Miami-Dade County were troubled ,

consisting of REOs(bank-owned properties)and also short sales, as compared to 37.2 percent in December 2013. . Short sales as well as REOs represented 7.1 as well as 24.3 percent, respectively, of overall Miami sales in December. Sales of REOs increased 17.2 percent while that of brief sales decreased by 53.2 percent. . In 2014, troubled sales accounted for 33.7

percent of total amount shut sales as compared to 37.9 percent in 2013. . Country wide, troubled residences accounted for 11 percent of December sales compared with 14 percent in December 2013 and also 9.0 percent in

November. . Active Supply Continues to Increase . After three years of record sales activity that caused an inventory

shortage, vendor confidence continuouslies lead to more homes being specified for sale in Miami. But complete inventory as well as new listings are now increasing by narrower margins.

Supply as well as need for single-family houses remains to favor sellers, while that of condos mirrors a well balanced market between buyers and also sellers. . Active listings at the end of December increased 10.9 pe.

Do not think people today when they say that the ideal paper shredders are expensive. Given they are excellent sufficient for our standard demands after that it’s most definitely not an issue and that properly practically all suppliers and types are fairly good.

Ascertain on your own and believe concerning what exactly it is you need from a gadget such as this as not always all of them is fit to every person. Kind your individual listing of preferences prior to you search around looking for a shredder because there are a very substantial number you can get available area today.

As soon as you have created your information and also demands then you could head out outfitted with merely exactly what you absolutely may truly such as based upon your information.

A lot of people are not necessarily sure when acquiring a shredding equipment that the sort of shred cut is a very essential concern in establishing which to acquire. Frequently, we have now the three key sorts of reducing that happens to be: confetti cut, cross cut as well as straight cut. For those whom would certainly choose the very most ideal in security after that explore a confetti reduced mainly due to the fact that it’s one of the most hard to reassemble whilst a straight cut could provide you a cost-effective option together with ample outcomes. Choose to purchase a straight cut shredder if expense is your primary element still note that as they’re not especially encouraged because of their typical efficiency. So it is highly suggested to be on the secure side as well as acquire a confetti or cross cut shredder for the function of your item of mind.

The size of the shredder is a further extremely important indicate think about. Being acquainted with exactly what area you may have readily available definitely will help you to make a decision exactly what is the most effective device is most valuable for you. There could be other choices for your shredding needs for instance handhled or desktop computer tools. The portable item is almost certainly for portability and lightness as it considers at just 2 pounds or so. Shredding A4 sized papers might be a little bit of a circumstance for the handheld generally.

You will certainly locate there’s a small trouble that with a tiny device you might find on your own tearing up the peice of paper a bit prior to feeding it directly into the shredding device. The handheld shredder is really more fit to shred little notepads, commonly receipts and so on. Obviously shredding bigger paper dimensions is not the strength for the handheld, but on the various other hand it is quite low-cost to buy.

A fantastic choice that most individuals opt for is the vertical kind paper shredder. Nowadays people really want that little added from the items they buy so take into consideration one that not simply shreds paper, yet shreds card cards, DVD’s and well as CD’s It is actually crucial to think about shredder information that is on various other media such as CD’s as well as DVD’s and also similar to paper, should be properly ruined.

Don’t go for second-rate by endangering on high quality – you desire a sturdy reliable device that will certainly last for years and years so do not acquire affordable. Do not rely on to luck that you think it will not take place to you – safeguard on your own now by acquiring a high quality paper shredder.

Have a look at the writers internet site on getting Fellowes shredders discovering the very best deals for getting Fellowes paper shredders. Protecting against Identity Scams With a Quality Paper Shredder

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PHOENIX (PRWEB) January 20, 2015

BestCompaniesAZ is hosting a “Military Career Event” in conjunction with the Waste Management Phoenix Open and Birdies for the Brave(R) on Monday, Jan. 26, and is inviting all U.S. active duty, retired and reserve military and their spouses/significant others to participate at no charge. Registration is required by visiting All attendees will receive a free job matching assessment and Waste Management Phoenix Open event passes for the week.

“This Military Career Event is like no other we know of, because it matches military skills with the available job positions of top Arizona employers, utilizing military and civilian experts who are trained to facilitate the transition from military to civilian careers. All of the resources are available before, during and after the event at no charge to attendees,” said Denise Gredler, BestCompaniesAZ CEO and Founder.

On the day of the event Monday, Jan. 26th, at Monterra WestWorld, in Scottsdale, AZ, event networking and on-site registration starts at 1 p.m. The official Job Fair presentations launch at 2 p.m. with a keynote address from sponsors, industry presentations and panel discussions following every half hour from 2:30 until 5 p.m. Networking with sponsors is open until 6 p.m. Event details, featured companies and registration can be found at

“At BestCompaniesAZ, we have partnered with more than 30 award-winning companies that recognize the value our military bring to the workplace and are committed to hiring Arizona’s veterans, matching their training with positions and corporate cultures that will utilize their skills. These employers are all military friendly and understand that hiring skilled vets is a smart business decision,” adds Gredler.

The hiring companies have earned prestigious state and national workplace awards such as Arizona’s Most Admired Companies, CareerBuilder’s Top Companies to Work for in Arizona, Arizona’s Best Companies to Watch, FORTUNE 100 Best Companies to Work For(R) in America, FORTUNE Most Admired Companies, Military Times Best for Vets Employers, US Veterans Magazine’s Best of the Best and other “military-friendly” company awards.

VIP sponsors and industry presenters include Charles Schwab, Dignity Health Arizona, Starbucks, Synchrony Financial, USAA and Waste Management. Gold level sponsors include Progrexion, Goodwill and Department of Administration. Additional award-winning sponsors include GoDaddy, Hyatt Regency-Phoenix, PayPal, Kitchell, Medtronic, National Bank of Arizona, Quicken Loans, Enterprise, Total Transit, Vanguard, ICE and JDA Software. Media partners are Arizona Business Magazine and Vets on Media. Career coaching partners include Career Connectors, Grand Canyon University, ASU, Canyon State Institute,,, Careerbuilder, Top Talent Consulting’s Veteran Job Matching Program –, Allen School of Health Sciences, Joe Foss Institute, AZ Dept. of Economic Security and Ottawa University.

Arizona companies interested in sponsoring and participating in this event may contact Denise Gredler at 480-545-5151.

About Waste Management Phoenix Open

Featuring 132 of the world’s best professional golfers, the 2015 Waste Management Phoenix Open will be held January 26 – February 1, 2015 at TPC Scottsdale. The Waste Management Open is the best-attended golf tournament in the world and has gained legendary status for being the most unique stop on the PGA TOUR. The 2015 edition will mark the 80th playing of the event (one of the five oldest events on the PGA TOUR) and the sixth as the Waste Management Open. For tickets and more information, visit

About BestCompaniesAZ

BestCompaniesAZ has been at the forefront of identifying, developing, and promoting Arizona’s best companies for more than 10 years. As co-founder of the very first workplace award program in Arizona – Best Places to Work – and one of the state’s most prestigious awards – Arizona’s Most Admired Companies – and as consulting partner of CareerBuilder’s Top Companies to Work for in Arizona program, BestCompaniesAZ is committed to helping companies maximize their branding, recruitment and retention results by offering consulting services in the areas of employee surveying, best practices, national and local award consulting, culture development, human resources and promotional consulting services. For more information, visit

About Birdies for the Brave

Birdies for the Brave is a national military outreach initiative proudly supported by the PGA TOUR. Birdies for the Brave was originally created in 2006 by PGA TOUR player Phil Mickelson and his wife, Amy, to support combat-wounded veterans. The PGA TOUR subsequently adopted Birdies for the Brave and expanded it to include a variety of military outreach initiatives, including military appreciation activities during PGA TOUR tournaments and a series Birdies for the Brave fundraising events conducted at the TOUR’s TPC clubs nationwide – an effort that has raised more than $ 13 million for military homefront groups that are supported by TOUR players, which provide critical programs and services to meet the specialized needs of wounded warriors and military families. For more information, please visit or follow them on Facebook.

About Waste Management

Waste Management, based in Houston, Texas, is the leading provider of comprehensive waste management services in North America. Our subsidiaries provide collection, transfer, recycling and resource recovery, and disposal services. We are the largest residential recycler and also a leading developer, operator and owner of waste-to-energy and landfill-gas-to-energy facilities in the United States. Our customers include residential, commercial, industrial and municipal customers throughout North America. To learn more visit

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