Household budgets are sometimes difficult to plan and maintain, but everyone recognizes their value in the scheme of life. How you handle your bills means a great deal to your financial stability, especially when you’re talking about credit card bills. They don’t seem to ever go completely away, do they?
There are contrasting payment plans for credit card debt, we all know, but Xoom came up with the notion to dig a little deeper on the subject. Xoom, a leading digital money transfer provider, conducted an extensive, exclusive survey of some of its Fil-Am customers to ask them about credit card debt. Xoom posed the question: ‘How much of your credit card balance do you pay each month?’
The largest number of people who took the survey, 48 percent, said they paid more than the minimum payment but less than the full amount. Almost a full third of the respondents, 32 percent, said they paid off the full amount every billing cycle. Then again, 13 percent of those who answered the survey said they don’t even own a credit card while 17 percent said they pay just the minimum amount on each credit card bill.
Xoom lanza su programa transfronterizo Pago de Facturas a El Salvador – Paga facturas en línea desde los EE.UU.
SAN FRANCISCO, CA, 10 de diciembre de 2014 – Xoom Corporation (NASDAQ: XOOM), un proveedor líder de transferencias digitales de dinero, ha lanzado oficialmente (Paga Facturas a El Salvador con Xoom) Xoom Bill Pay to El Salvador, una plataforma de avanzada que transforma los pagos transfronterizos de facturas permitiendo que, a las personas que viven en El Salvador, les paguen sus cuentas sus seres queridos que viven en Estados Unidos.
“Pago de Facturas Xoom está cambiando completamente la manera como las facturas transfronterizas se pagan en El Salvador, al ofrecer una experiencia nueva e innovadora para que los clientes en EE.UU. paguen facturas en nombre de sus familiares y amigos con tan solo unos pocos clics o toques de pantalla”, dijo Bobby Aitkenhead, Vice Presidente de Xoom Bill Pay. “Pago de Facturas Xoom les ahorra a quienes viven en El Salvador, el inconveniente y el riesgo de ir a pagar cuentas”.
“Al facilitar el pago transfronterizo de facturas de modo seguro, confiable y exacto, Xoom ayuda a ofrecer tranquilidad a quienes viven en El Salvador, porque saben que sus facturas ya han sido pagadas. Los remitentes ahora disfrutan la posibilidad de ver los saldos de las cuentas de sus familias en tiempo real y, de pagar sus facturas al instante”.
Xoom Bill Pay facilita pagos a varias empresas de servicios públicos en El Salvador, incluyendo teléfono, Internet, electricidad y paquetes de cable. Para los remitentes que viven en EE.UU., los pagos se pueden hacer muy fácilmente desde el celular, tableta o computador del remitente. El servicio facilita el pago a CAESS, CLESA, EEO, Deusem y Delsur, los principales distribuidores de energía eléctrica en El Salvador; Claro, uno de las principales empresas telefónicas de El Salvador.
Una clienta de Xoom, Concepción Salinas, ya ha disfrutado la seguridad, rapidez y confiabilidad de Xoom Bill Pay. “Mi mamá tiene 70 años y vive sola”, dijo Salinas. “Anteriormente, yo tenía que enviarle el dinero para pagar sus facturas. Mi mamá tenía que ir a recibir el dinero y luego hacer fila en cada una de las empresas para pagar las facturas. Con Xoom Bill Pay, mi mamá ya no tiene que salir a la calle. Ya no la pongo en riesgo”.
¿Cómo les ayuda Xoom Bill Pay a las personas que viven en El Salvador?
- Los remitentes tienen acceso al valor de cada factura de modo oportuno; no hay necesidad de esperar que las cuentas lleguen por correo.
- Muchas empresas de servicios públicos no aceptan pagos parciales; Xoom Bill Pay ahora le ofrece la información del saldo al remitente, quien puede hacer el pago total en tiempo real.
- Normalmente, las empresas de servicios públicos desconectan el servicio con la primera falta de pago; Xoom Bill Pay ofrece a los salvadoreños la tranquilidad de que sus facturas han sido pagadas.
“Anteriormente, muchos destinatarios de transferencias de dinero en El Salvador, tenían que dedicar varias horas del día yendo a la empresa de servicios, esperar en fila, llenar formularios y, entregar efectivo por la casilla para pagar por el uso del teléfono o la electricidad”, añadió Aitkenhead. “Esto es ahora algo del pasado, puesto que hemos transformado el proceso al permitir que los clientes paguen las facturas transfronterizas en nombre de sus familias, de manera fácil y eficiente”.
Acerca de Xoom
Xoom es un proveedor líder de transferencias digitales de dinero que habilita a los consumidores en los Estados Unidos para enviar dinero y pagar facturas alrededor del mundo de modo seguro, rápido y eficiente, usando sus celulares, tabletas o computadores. Durante los 12 meses terminados el 30 de septiembre de 2014, los más de 1,2 millones de clientes activos de Xoom, enviaron aproximadamente $6.500 millones a familiares y amigos. La compañía tiene su sede en San Francisco y se encuentra en línea en Xoom.com.
The machine that is Lionel Messi faces its biggest challenge so far in the World Cup as Argentina tackles the dangerous Netherlands in a semifinal that will surely have far-reaching effects.
Messi, who is tied for the goal-scoring lead among players still playing in this high-scoring World Cup, will run straight into yet another great offensive player, the Dutch superstar Arjen Robben. Robben has scored three times. Messi has four goals, the same as Thomas Muller of Germany, another semifinalist. James Rodriguez of Colombia is the World Cup’s leading goal-scorer with six, but Colombia lost in the quarterfinals. Neymar of Brazil has five goals, but he is out of the World Cup because of a fractured vertebra.
Meanwhile, Argentina has its own injury problems. Angel Di Maria, who is an offensive complement to Messi, has been ruled out of the Netherlands game after he injured his hamstring in a 1-0 quarterfinal victory over Belgium. Gonzalo Higuain scored the only goal, so he may be asked to take some of the offensive pressure off of Messi, who needs some open space to work his magic.
Create your own magic with Xoom, the easiest way to send money to Argentina.
Just talking about food is usually enough to make everyone hungry. Sometimes you can envision a great dish on a plate and if you close your eyes, you can just about smell the aroma.
Most everyone has a Filipino dish that they like the best, their go-to favorite whenever they prepare it themselves or see it on the menu at a restaurant. Xoom, a global leader in the money transfer business, conducted a survey of its Fil-Am customers recently and asked ‘What is your favorite Filipino dish?’
As you might expect there were many answers and a lot of favorite dishes.
The survey found that 13 percent said the staple Adobo marinade was their favorite Filipino dish. Nine percent of the respondents said the stew Kare-Kare rated tops with them. Pancit, noodles that are also popular on birthdays, was the favorite of eight percent of those who answered the survey.
Lechon, the roast pork dish, attracted seven percent of the votes in the survey and Lumpia, the Philippines’ take on egg rolls, was chosen by five percent of the voters.
But the Filipino dish that was favored by the majority of the voters in the survey? Everything, said 51 percent. Just one more question. When’s dinner?
Xoom Announces Instant Overseas Remittance Facility to India, Powered by IMPS (Immediate Payment service) – an NPCI initiative
Xoom and Punjab National Bank partner for a revolutionary launch of instant deposits to bank accounts in India
NEW DELHI, INDIA, June 17, 2014 — Xoom Corporation (NASDAQ: XOOM), a leading digital money transfer provider, has partnered with Punjab National Bank (PNB), to roll out instant bank deposit services to bank accounts in India using the revolutionary IMPS (Immediate Payment Service) platform.
IMPS is a unique remittance processing platform, considered to be one of the latest technology in account-to-account remittance offered by the National Payment Corporation of India (NPCI), offering instant electronic fund transfer service 365 days a year.
“Xoom is committed to providing ‘instant’ in all of our services. Thanks to the great partnership with Punjab National Bank and the IMPS system, the families of Xoom users will receive their deposits instantly, even on bank holidays and weekends,” said John Kunze, President and CEO of Xoom. “This truly is instant gratification and a magical experience.”
Xoom’s breakthrough technology and IMPS’ cutting edge technology will let Xoom customers send money from the United States instantly to many prominent banks in India via the IMPS system in the coming weeks. Currently, IMPS has 63 banks as part of its ecosystem.
According to Mr. A.P Hota, Managing Director and CEO, NPCI, “the future of remittance is IMPS and we are delighted that Xoom and Punjab National Bank are already setting new standards by offering this innovative service so quickly to their customers, and helping NRI’s send money to their families, safely and instantly.”
“We are excited to incorporate IMPS and take our partnership with Xoom to a higher level, by providing instant deposits to NRI’s,” said Mr. K.R. Kamath, Chairman and Managing Director of Punjab National Bank. “This revolutionary IMPS system and Xoom will provide instant deposits for NRI’s sending money to Punjab National Bank and other bank accounts in India.”
To promote awareness of instant deposits, Xoom has created an innovative ad campaign with its brand Ambassador, screen legend Amitabh Bachchan. The TV commercials showcase the unique benefits of instant deposits from Xoom.
Xoom offers deposits to bank accounts in India including NRE and NRO accounts. Xoom also provides great locked-in exchange rates, and no fees when customers send more than $1,000 and pay with their U.S.-based bank account.
Xoom is a leading digital money transfer provider that enables consumers to send money to 31 countries in a secure, fast and cost-effective way, using their mobile phone, tablet or computer. During the 12 months ended March 31, 2014, Xoom’s more than 1.1 million active customers sent more than $6.1 billion to family and friends. The company is headquartered in San Francisco and can be found online at Xoom.com.
About Punjab National Bank
Punjab National Bank is a leading Public Sector Bank in India headquartered in New Delhi with over 6,200 branches and 7,000 ATMs spread across the country. It serves over 80 million customers. The Bank has developed an advanced computerized module for speedy payments of remittances received.
The underlying concept behind IMPS is to provide customers “24/7, safe, secure and convenient” real-time remittance access that customers can avail during holidays also, to meet their various retail payments needs. By using IMPS, a customer can transfer funds real-time to another person or to a merchant, for any personal or commercial purpose.
IMPS which was initially conceptualized as a mobile-based person-to-person (P2P) instant remittance solution, has evolved as a channel independent, interoperable, multi-dimensional remittance platform to cater to widespread customer needs. In other words, IMPS facilitates in transferring funds seamlessly from one interface to the other – be it mobile, internet, ATM, USSD, etc., and from one service provider to another, from banking entities to non-banking entities (PPI), or vice versa, making it a truly interoperable platform.
About NPCINational Payments Corporation of India (NPCI) is the umbrella organization of all retail payment systems in India. It is set up by the banks in India with the support and guidance from the Reserve Bank of India and Indian Banks’ Association.
Mexico continues to be an appealing destination for automotive manufacturers around the globe. For instance, General Motors recently announced plans to invest $691 million in the country, which could significantly impact the nation's residents and those who live outside of Mexico and send money to friends and family members back home.
According to Reuters, GM intends to set up a new factory in central Mexico in the near future, allowing the company to take advantage of a lucrative international automotive market. As the global economy recovers from the downturn of the late 2000s, GM may be able to noticeably boost its profits thanks in part to this recent investment.
GM Mexico president Ernesto Hernandez notes that Mexico may be able to overtake Brazil as Latin America's top automotive manufacturer over the next few years as well. Because Mexico features a talented labor force, GM can make the most of its growth opportunity by investing in its operations in this country.
"The automotive sector is today one of the pillars of the [Mexican] economy, representing more than 20 percent of manufacturing GDP and continues to be, for many reasons, a fundamental industry in attracting investments to productive sectors of the economy," Hernandez told the news source.
GM will add jobs to the Mexican economy
While unemployment was a major problem during the recession, more Mexican job seekers could benefit from GM's recent investment. The news source reports that this automotive manufacturer already employs about 15,000 staff members at its Mexico locations and plans to add team members to its staff soon.
With the second largest vehicle output in Mexico, GM has already established its presence in the nation. However, the next few years may prove to be vital for the company's long-term success.
By increasing its presence in Mexico, GM will be able to create top-notch vehicles that can be enjoyed by motorists worldwide. This automotive supplier has operated in Mexico for 78 years and continues to be a major contributor to the Mexican economy.
Meanwhile, Mexican citizens could reap the rewards of GM's investments as well. The business will continue to search for ways to provide dependable support to drivers, and numerous Mexican workers can help this company achieve its long-term goals.
New cars released in Mexico
To extend its global reach even further, GM also unveiled new options to Mexican consumers recently. The Detroit News notes that this automobile provider began offering OnStar services to Mexican motorists this month, allowing more people than ever before to stay safe while driving.
"This is an important step in GM's global growth and in making connectivity services available to more consumers around the world," GM spokesperson Mary Chan told the news source.
Available since 1996, OnStar makes it simple for motorists to receive immediate support if an accident occurs. Currently, OnStar services are offered to millions of drivers in Canada, China and the U.S., but the recent expansion into Mexico may make it simple for motorists to safely navigate the roads throughout the nation.
A Mexican OnStar call center has also been launched to assist motorists who require urgent assistance. Live operators will be readily available to help drivers should they encounter problems, making it simple for them to get the support they need around the clock.
GM continues to make a difference in the lives of many Mexicans, a trend that is likely to continue. As this automotive supplier evaluates various ways to bolster its global reputation, it could make new investments in Mexico that may help the nation over the next few years.
In an effort to improve its sales in India, Google has released first-rate LG Nexus 4 smartphones that feature Quad 4 processors, among the fastest of their kind on the market. According to The Financial Express, these mobile devices became available to Indian consumers on May 16, 2013, and could significantly affect smartphone shoppers around the country and those who live in the U.S. and send money to family members back home.
"LG Electronics is pleased to partner [with] Google on the release of the Nexus 4 in India," LG Electronics India managing director Soon Kwon told the news source.
The new Nexus 4 smartphones could be attractive for Indian consumers
With its recent releases, Google could boost its profits and extend its reach throughout India. The new Nexus 4 smartphones are available at retailers in Delhi, Mumbai, Thane, Bangalore, Chennai, Kolkata, Pune, Gurgaon, Noida, Ghaziabad and Ahmedabad, and these shops may find large groups of patrons attracted to the mobile devices' myriad features.
Each Nexus 4 smartphone supports both 2G and 3G networks, and the gadgets have near field communication technology that enables users to make purchases or transfer data from their phones. Additionally, these smartphones have built-in cameras that allow users to snap photographs or complete video calls.
More smartphones will become available in India
Google is not the only smartphone manufacturer that is making its mark in India. The Economic Times reports that Panasonic also launched new smartphones in India in May 2013, the first time this company has unveiled devices to the country's consumers in more than half a decade.
Panasonic officials noted that the smartphone manufacturer is increasing its investments in its electronics sector, which may help it extend its global presence over the next few years. With its latest gadgets, Panasonic may study the devices' sales to see how they will respond before releasing them globally.
The Panasonic smartphones could help this electronics manufacturer make headway against Apple and Samsung, the two companies that currently dominate India's smartphone market. Panasonic's devices, Android phones, have 5-inch high-definition LCD screens, 8-megapixel rear cameras and other features that could make them popular choices for many Indian consumers.
If more smartphone manufacturers search for ways to extend their reach, these firms could look to Indian consumers for support. Meanwhile, smartphone buyers around the country could have plenty of options to choose from, and the nation's economy could benefit as well.
Smartphones and tablets are becoming increasingly important throughout India, particularly for those who live outside the country and send money to family members back home. The ability to interact with one another is vital, and many state-of-the-art gadgets are significantly affecting various Indian citizens. Mobile devices can make it easier for Indian residents to connect with family members and friends across great distances, and new gadgets may lead more people to invest in first-rate devices over the next few years.
NDTV Gadgets notes that electronics manufacturer ZTE will release numerous mobile devices in India this year, which could affect many of the nation's citizens. This company is focusing on premium tablets and affordable smartphones that could help it boost its profits in India.
"With our foray into the open handset market in India, we want to become a dominant player here," ZTE India chief executive officer Xu Dejun told the news source.
Many Indian business owners could purchase tablets soon
The corporate world moves quickly, and Indian business operators are just some of the professionals who are looking to keep pace. By investing in tablets, these company leaders could help their firms grow exponentially in short periods of time.
In AMI-Partners' 2013 India SMB Mobility Landscape, Opportunity Assessment & Outlook, researchers found that more small and medium-sized Indian businesses could use tablets to manage everyday tasks in the near future. Data revealed that roughly 67 percent of these Indian companies intend to purchase at least one tablet over the next 12 months.
The study also showed that many company officials want tablets because the mobile devices provide immediate and long-term value. These gadgets allow business administrators to stay up to date on their regular operations, which may allow them to become more productive and efficient.
AMI-Partners official Dev Chakravarty said that Apple has produced an operating system that many Indian tablet users have enjoyed as well. The Apple OS has helped this electronics manufacturer become a market leader among Indian business owners, and researchers noted that about 40 percent of Indian companies that plan to purchase tablets in the next year intend to buy iPads.
Additionally, many Indian business leaders are making informed decisions before buying tablets, considering myriad factors to make the best investments for their firms.
"Research reveals the major factors that these companies consider before purchasing a tablet include: processor speed, high-speed wireless broadband capability, reliability of service and support, built-in security capabilities, extended battery life and overall brand image," Chakravarty said.
Tablets are also being used to promote good health
In May 2013, the Safe Water Network announced an initiative to share water safety information in some of India's rural communities. Network officials are using tablets to provide information to Indian residents, which may help more citizens understand the importance of safe water.
"In the midst of technology's growing reach, the [tablet] campaign is an innovative program that will make people aware about water safety," initiative spokesperson Dr. Aidan Cronin said.
By using tablets, Indian community members can quickly find out exactly where clean water is located. Because safe water is crucial for cooking and drinking, those who can easily access it could benefit.
Meanwhile, the increased use of technology around India may also have far-flung effects on the nation. If more Indian residents depend on tablets regularly, these people could invest in top-notch mobile devices that allow them to access a wealth of information. Quality gadgets could even help the country's economy expand, as more mobile device manufacturers may consider supplying Indian consumers with a vast array of products.