Dubai Hirving Lozano Mundial Camiseta , Oct. 27 (Xinhua) -- Economies in the Middle East and North Africa region are expected to grow by 2.6 percent in 2014, but the economic situation is delicate due to the various security crisis proliferating in the region, the International Monetary Fund's (IMF) Middle East director said on Monday.

Masood Ahmed, the director for the Middle East and Central Asia at the Washington-based IMF said that conflicts in Iraq, Syria and Libya were mitigating growth efforts by the other Arab countries not hit by violent turmoil.

Regional growth could only improve in 2015, if the security situation improves, the top official said.

The real gross domestic product in the Gulf Arab countries around Saudi Arabia will grow by 4.5 percent this year and could grow by the same rate in 2015, Ahmed said.

However, the oil exporting countries in the region are also facing risks amid declining oil prices, which translates into lower fiscal revenues, leading the IMF to predict slightly lower growth rates for the Gulf countries after 2015.

All countries in the region, oil exporters and oil importers ( like Morocco, Egypt, Jordan or Tunisia), the IMF official said, have to launch significant structural reforms in order to create sufficient growth that can translate into jobs for their fast growing populations.

In a business, the ideal setup is that an owner sells his products or services and the customer pays for it within a specified period of time. Usually, a one-off payment is expected. However, if the total amount is quite steep, some business owners do provide an alternative payment option, with the total cost usually divided into several installments (with or without the addition of interest) to be paid over an extended time period.

Of course, this is the ideal set-up and when it is followed, everyone is happy. But, not everyone fits the ideal. It can happen that payment is not handed in on the specified dates. There will be times when you, as owner, will have to collect the payments yourself. If you want it done the professional way, consider hiring debt collection agencies to do the work for you. Click here for more details on the services you can expect from these agencies.

Although it is very possible that the reason people don’t pay on time is because of some kind of memory lapse, it is more often the case that people just don’t have the funds to pay for these debts. When it is the latter situation, the collection process itself can be quite a harrowing experience. Debt collection does have a tendency to be a dirty, dangerous affair where there is plenty of tension, sometimes leading to some kind of physical abuse. When you have professional collectors doing the job for you, you won’t have to be directly involved with this process. These agencies have also trained their debt-collecting personnel in the process of doing it in the right way to avoid conflict as much as possible.

Here are the following criteria you should look out for in a reliable debt collection agency:

1. Experience
If they’ve been doing this business for many years and have survived up to now, you more or less get the idea that they know what they are doing and are actually good enough for clients to keep subscribing to their services. When the company profile shows that they are a legal entity and there are more than a few happy clients who confirm their competence through reviews, then trust that they are able to make you happy, too. Check this site for a more detailed look at a particular debt collection agency.

2. Punctuality and Speedy Service
Because time is of the essence—the uncollected debt may be used towards payment of an overdue office rental fee, for example--you would want your debt collectors to consider as valuable a speedy and prompt collection. When you first meet them in person, you will be able to determine how they value promptness based on their own punctuality for the meeting. When this factor is also valuable to your debt collector, you can be assured that they will do their best to make sure your debt gets collected within the agreed-upon date.

3. Professional, Individualized Treatment
A quick look at their methods will also show to you just how they prioritize you as client. The traditional way of collection usually makes use of sending out collection letters before a personal appearance at the door, but this will take time. If your needs are urgent, the company should be flexible and adept enough to employ other methods that would get the ball rolling. Other forms of communication they can employ to reach your delinquent clients are SMS and email messaging. When a company uses as many methods as possible just to get the debt resolved without having to go to court, you get the sense that they take your personal crisis as seriously as you do.

With so many debt-collecting agencies around, it is very easy to think that each company provides you with the same generic service and there really is no need to go through a comparison check. However, given that such a service can be pricey, it would be to your advantage to evaluate these agencies first before deciding to hire one of them. Go for the company that provides you with the best quality service for the fee they charge.

PARIS, Jan. 14 (Xinhua) -- Tour de France organizers have announced the list of teams to participate in this year's grand tourney with wild cards.

The just relegated French cycling team Europcar has been given a slot in the race, along with other wild card holders Germany's Bora-Argon 18, South Africa's MTN-Qhubeka, as well as the other two French teams Bretagne-Seche Environnement and Cofidis- Solutions Credits.

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