Celebrate Our Freedom...Happy 4th of July!

Freedom is the oxygen of the soul.
Moshe Dayan


Then join hand in hand, brave Americans all!                                                 By uniting we stand, by dividing we fall.
John Dickinson


Dear valued clients and friends,
As we get ready to commemorate and celebrate our nation's Independence tomorrow, I cannot help but think how blessed we are to be living in the United States, to have the freedom, the safety, and protection of rights that so many in the rest of the world are still fighting for.  We all know, though, that these values and privileges we enjoy, and sometimes take for granted, did not come without passion, planning, thoughts, debates, and lots of sacrifice.  The United States has been our family's chosen 'home' since 1980, and we are always very thankful for the opportunities to live peacefully, to earn a decent and meaningful living, and to contribute.

I want to talk a little about another form of protection.  Transworld Systems, one of the nation's largest Cash Flow and Delinquency Management companies,  takes pride in complying with all Federal, State, and local regulations.  Collections is a highly regulated industry, but unfortunately, we often read about news in trade journals about our competitors cutting corners and sued for violating collections laws, which sometimes result in their customers being sued as well.

Here's where Transworld Systems stands above our competitors:
· We follow the guidelines set forth by the FDCPA (Fair Debt Collections Practices Act)
· We are compliant with the TCPA - Telephone Consumer Protection Act.  One of the laws of the TCPA does not permit cell phones to be dialed by auto-dialers(computers).  Therefore, if the primary phone # you provide us for a debtor is a cell phone, we will manually dial that call and deliver a live message during Accelerator and/or Messenger service, which are normally automated calls when a landline is provided.
· We are compliant with HIPAA - Health Insurance Portability and Accountability Act
· We are compliant with individual state laws in all 50 states - some of which require separate state licenses or even brick and mortar offices in those states.
· We perform background checks on all collectors.
· Our collectors take compliance tests every 6 months.
· We have "mystery shoppers" at a law firm to randomly test and provoke collectors to make sure they adhere to all laws during phone calls.
· All of our clients' and debtors' information is stored using the highest levels of security.
· We provide our clients with a written "Hold Harmless" agreement in our contracts, i.e., our clients can never be sued for any action we take on their behalf.

Just as our nation, Transworld Systems cannot remain 'best of breed' without constantly tweaking, improving and innovating over the past 41 years in business.  I am proud to be associated with a company that has strong financial backing from NCO, our corporate parent, an ethical and professional company that places client needs, appreciation and support above all else.  At the end, isn't it great to have a company with the highest recovery rate in the industry working hard for you, so you can recover more, save more, and keep more!

So, celebrate your freedom, and enjoy a Happy and Safe 4th of July, with the beautiful music of Ray Charles!
http://vimeo.com/5447738


Lin Engie
Cash Flow & Delinquency Management Specialist
Transworld Systems, Inc.

Turkish Delights

Recently, I went on a fascinating trip to Turkey and thoroughly enjoyed the rich history and the beautiful, varied landscapes. We (my husband, Kean, and friends from California) joined a tour that took us to Istanbul, Ankara, Cappadoccia, down to the Mediterranean Sea, and then back west to the Aegean Sea, and up to Istanbul again. Prior to the trip, I was not aware that we would be travelling through mountain ranges that were still covered in snow, and within the next day, we would be travelling through desert-like landscapes. I was obviously quite ignorant about the country and all it has to offer.  If you love fruits and nuts (and Turkish Delights), Turkey is the place to be.  I had my fill of dried apricots, figs, pomegranates, olives, chickpeas, walnuts, pistachios, and fresh almonds.  Breakfast buffets were fabulous with fresh yogurt, molasses, honey, and tahini.

Turks are hardworking and industrious people. One interesting thing we learned from our Tour Guide was that farms in Turkey are operated almost as co-ops.  Individually-owned family farms are clustered together, with central villages where the farm families in that area reside together.  Farmers in each area share large equipment to save costs, and help one another throughout the growing and harvesting seasons.  The Turkish government fixes pricing, and handles the sale of farm produce, so farmers can focus on cultivating and harvesting the best produce. As long as they have a harvest, they are guaranteed a sale of their produce at a fixed price to the government. The government then sells the produce on the market to factories or exports them.

Seems like an elegant and efficient way to handle farm operations; farmers can focus on what they do best, without any worry on the business side of operating the farm.  Streamlining this farming process allows Turkey to be one of the world leaders in the production of agriculture.  According to Wikipedia, as of March 2007, Turkey is the world's largest producer of hazelnut, cherry, fig, apricot, quince and pomegranate; the second largest producer of watermelon, cucumber and chickpea; the third largest producer of tomato, eggplant, green pepper, lentil (they make the most delicious lentil soups) and pistachio; and the fourth largest producer of onion and olive.  Other major products are tea, apple, cotton, and almonds.  Turkey has been self-sufficient in food production since the 1980s. Did you know that Turkey is a major exporter of textiles, automotive, steel, iron, and pharmaceuticals?  How about Turkey being a major shipbuilding country?

Many studies show that you can be more productive by focusing on your core skills, and outsource the secondary tasks to other experts.  If you operate a business and you extend credit to your clients, or if you are a medical doctor or dentist, it is often more cost-effective to outsource some of your back office operations to specialized companies who can do them more efficiently, more effectively, and at a lower cost. One such function is managing cash flow and delinquent accounts.  Are you and your staff stressed about following up with slow-paying and non-paying clients or patients?  Do you know that there is an alternative to a high percentage collection agency - one that offers a diplomatic approach, so you can retain your client or patient relationship?

Transworld Systems is a national cash flow and delinquency management company that has been helping businesses of all sizes effectively collect for over 41 years.  Our innovative in-house tools allow you to professionally and diplomatically collect without alienating your clients or patients.  You maintain control and keep 100% of what is collected. If you are tired of clients or patients ignoring your monthly statements, let's chat and see if you qualify for our services. Give me a call @ 850.266.7791, send me an e-mail, or message me on Facebook: https://www.facebook.com/TransworldSystemsOnTheGulfCoast.

Where have you traveled to recently?  What exciting travel plans do you have this summer?  I would love to hear from you.

May you have a fabulous summer!

Lin Engie
Cash Flow and Delinquency Management Specialist
Transworld Systems on the Gulf Coast
850.266.7791

Spring Festivals

'Those who bring sunshine to the lives of others
cannot keep it from themselves.' - Sir James M. Barrie

I wish all of you can enjoy the beautiful sunshine we have in Pensacola this time of the year - warm sunny days, cool nights, with some occasional rains.  We are truly blessed with beautiful Spring weather here, and with a really mild winter this year, we are enjoying an exceptionally long Spring season.

Spring, of course, is a time of rebirth, and renewal, and is celebrated around the world with joyful and colorful festivals. Hindus in south Asia herald in Spring with the Festival of Colors, Holi. They celebrate by throwing colored powder at one another, and with bonfires, bidding farewell to dreary Winter, and welcoming the abundant and vibrant colors of Spring.  In Thailand, the Songkran or Water Festival is a 3-day celebration of the Thai New Year.  The ritual symbolizes the cleansing of the body, spirit and mind.  No one escapes being drenched (or 'cleansed') during these 3 days of celebration! The Japanese, always associated with delicacy and beauty, celebrate hanami - cherry blossom viewing - by having picnics under cherry blossom trees in parks, usually between March and May. And of course, the most important Spring event for Christians is Easter, the resurrection of the Lord, Jesus Christ.

How do you celebrate Spring?  I invite you to share in the comment box below.

Spring brings a new cycle of life and hope, and it is also the perfect time to reflect, review, and renew goals. Do you have recent successes to celebrate?  I hope you do.  Are there areas in your life or business that needs sprucing up? What can you do to add some 'color' and enthusiasm? Are you on track with your personal, health, or financial goals? If not, why not?

As a business Cash Flow coach for businesses, I can offer some suggestions on one aspect of your business financial health - your cash flow.  This is an article on Ways to Maximize Cash Flow that I contributed to the March/April 2012 issue of The Bulletin, published by the Escambia Medical Society.  The principles can be applied to any business.  Enjoy!

It's never too late to plan for your own successes.  Since Spring brings new energy and warmth to the whole environment, I hope it energizes you to re-visit areas of your business or career that stayed dormant, like the Winter that just passed. Go out, re-connect, and network with friends, colleagues, and mentors.  Catch the excitement that Spring brings, and celebrate the season!

Lin Engie
Delinquency Management Specialist
lin.engie@transworldsystems.com
850.266.7791
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