Category: Money

In business the element of borrowing and lending is quite essential in the daily operation of any firm. The process of borrowing and lending eases the capital and cash burden on an entity. However, bad debts eat into profits, becoming an unnecessary expense. Hence necessitating business’ need for debt collection services. But what happens when a debt collection agency tricks consumers into paying debts they didn’t owe?

Using fictitious names, numbers, data and social security information, these fraudulent agencies issue threats of being sued, bank accounts being frozen as well as jail time to innocent parties in an effort of making them pay a fictitious debt. These false claims by the agencies amount to violations of the Consumer Financial Protection Act and the Fair Debt Collection Practices Act.

Phantom Debt

On April 8th 2015 the consumer Financial Protection Bureau (CFPB) announced that it had filed a lawsuit against the ringleaders of a robo-call phantom debt collection operation, their companies, and their service providers? In a statement the CFPB Director Richard Cordray said, “We are taking action against the many parties that allegedly contributed to this phantom debt collection operation. The ringleaders of the scheme, the telemarketing company that broadcast millions of robo-calls, and the companies that processed the payments should all be held accountable for taking advantage of vulnerable consumers.”

The defendants; Marcus Brown and Mohan Bagga are allegedly to have been the leasers of a group of individuals and entities that was trying to. Using a telemarketing firm, Global Connect. They are alleged to have threatened, harassed, and deceived consumers in order to collect phantom debt. In a nutshell the alleged scheme was carried out in the following elaborate manner.

1. Harassed consumers with threatening robo-calls

2. Collecting or attempting to collect phantom debt

3. Threatening legal action against consumers

4. Deceiving consumers to collect debts

Mitigation Measures

In an effort to fight phantom-debt collectors tough legislation is being drafted to get rid of scam agencies. Consumers and businesses still have to take a proactive approach by keeping personal data secret. Taking steps to authenticate collectors, track your debts, checking the paperwork and getting acquitted with the Fair Debt Collection Practices Act.

It is a good idea to get a good merchant account servicing company that provides payment processing services for merchants of all sizes. emerchantbroker.com has a good reputation working with traditional business types as well as high risk merchants that are a bit hard when it comes to getting approval? The company has worked with tons of collection agencies providing impeccable payment processing solutions.

Money

Alongside gold, investing in silver bars can also be a fantastic way to invest for your long term. Being aware of where to buy silver bullion is critical since not all dealers offer warranties to their customers. Investing in gold and silver bullion is a superb source of profit, specifically in instances of crisis. The price tag of silver bullion is determined by its weight in ounce and is fixed in gold/silver ratios. Though silver is very much cheaper than gold, some products like collector’s coins expense significantly a lot more than gold, determined by the maker, the yr, and also the situation on the item.

The most common kind of investing in silver is purchasing them inside the kind of bullion bars. Your profit will depend on the size of the silver bullion bar you’ve invested in. The most common silver bars will be the one hundred oz. Troy bars. They weigh three. 11 kilograms or six. eight pounds. Apart from the 1 oz., 10 oz. Troy bars, one kilogram bars, and 1000 oz. Troy bars, you will find also the odd weight retail bars that value less due to lack of the excellent and reliable brand title.

The most effective spot to buy silver bullion is from industrial establishments or retailers that offer a guarantee, to make certain you of their credibility and reliability. It’s best to buy wholesale silver bars simply because it truly is cheaper, rather than getting piece by piece. Inside the right time, you’ll discover your obtain in profit, that’s the quote explains why you might have invested in silver bullion in the first place.

Immediately after understanding the fundamentals about silver, and where to buy silver bullion, you ought to preserve track from the charges and also the modifications while in the marketplace. In purchasing silver bullion on the internet you must know whether or not your dealer is accredited. Reading through on the internet reviews and feedback from individuals you recognize who’ve obtained on the internet can be a strategic way to stop getting fooled or scammed. It is constantly valuable that you just request experienced dealers and buyers concerning the critical issues to consider before investing your cash into these valuable metals including gold bullions and silver bullions.

Money

Individuals should sell gold Chicago especially if they are in search for an uncomplicated and money-making ways. If they do not want or need it anymore, they should think of selling their old precious metal. There are various reasons as to why individuals are selling this such as the precious metal cannot be used anymore because it is broken, it is just stored somewhere, it does not match their personal style anymore, or it is not stylish.

This option is useful if one prefers to dispose this undesirable token from a former lover, if he or she needs some cash, does not know what has to be done with the inherited treasured metal. One great way for him or her to unload jewelry constructed from this treasured metal is by selling his or her old as well as scrap treasured ornaments to gold refiners.

Not to mention, selling this treasured metal is a speedy and less difficult way for him or her to earn money. One will not have a hard time selling his or her treasured metals to online buyers. Nevertheless, one is expected to be updated when it comes to the current market price of these treasured metals. He or she should acquire as much details just to be updated with these treasured metals’ market price.

If one does not wish to end up doing transactions with scammers, he or she should take time to do this. One should carefully look for refiners. These people are known to give exceptional prices since they process gold in big volumes. One should be able to figure out if the treasured metal he or she has is now cheaper compared to its original price when it was bought.

If so, it is advisable that you sell your piece to a jeweler so that its present state will be the basis for the amount of money you will get. Otherwise, you can sell it to be melted to scrap. At present, there are a lot of companies buying these pieces with a good illustration. Due to the fact that the number of online buyers is increasing every single day, opting for the best one may be a difficult task or you.

However, it is important to choose a reliable company so you should be able to distinguish one from those that are unreliable. This is possible as long as you acquire information about these companies before you choose a refiner. This is how you can avoid being involved in fraudulent transactions.

One should take advantage of websites where he or she can find feedback concerning the available online gold refiners. This is how he or she can have an idea concerning these companies. One should compare several companies by obtaining information from numerous websites at the same time.

Make sure that you use independent websites so that you can be assured that they are not direct associates or partners of specific gold refiners. After you have acquired enough and reliable information about a reliable buyer, you can go ahead and sell gold chicago. Make sure that you follow these simple yet, helpful tips.

We have a lot more helpful information about Ways On How To Sell Gold .

Money

Precious metals are what you call metallic elements that are highly valued in today’s economy. These are commonly used for ornaments like jewelries and furniture. Common examples of this kind of metal would be gold, silver, platinum, palladium, and copper. These items can fetch a really high price in the market and tends to increase in value as time goes by. For this reason, Chicago precious metals exchange has become very popular lately.

This kind of exchange would refer to trading any jewelry that you have to those who are willing to give you money for it. This is one of the best ways that anyone can make money since exchanging is not really that complicated. The person will just appraise your jewelry and give you the amount that corresponds to its value.

There are already many of these companies who make it a business to trade gold for money. Their usual customers are those who possess valuables that are no longer of use to them. These companies can still make money from these because the salvage jewelries can be refine and made into something that will be sold for an expensive price.

These people accept different kind of jewelry provided that it has some precious metal in it. They accept all kinds of jewelries regardless if they are already old or too broken to be used or sold. If you have these jewelries at home, consider exchanging them instead of just leaving them there only to be forgotten.

Another way that you can actually come in contact with someone from such companies would be to attend a gold party. This kind of party is just like your regular get together. The only difference is that there are people from exchange companies that you can do business with if you are interested in selling them your jewelry.

However, before you will give away any of your valuables, you should be aware of its actual value so you will not be cheated. Take your stuff to an appraiser and get his opinion about how much money the item is worth. This will help you know if the amount offered to you is fair enough or if the person is actually trying to rip you off.

For jewelries that have some precious metals, experts would not recommend weighing them together since they differ in value. It is better to just weight them separately. Another thing you can do is to sell the stones to a jeweler since he is someone who has more knowledge on the value that stones have in this day and age.

You do not have to be in such a hurry to sell your things unless you really do need the money right away. Spare some time to go over other companies since it is in this manner that can get the best offers. Give every offer a lot of consideration and do not let anyone pressure you into selling if you are not sure.

You can make a lot of money from chicago precious metals exchange. That is why you should never take any of your old jewelries for granted for they will be of great use to you someday.

We have a lot more helpful information about When Participating In A Precious Metals Exchange .

Money

For buyers who are looking for places that sell jewelry Chicago has a lot of good options. There’re some that have fine pieces in both white and yellow gold and in platinum too and others that sell costume type that ranges in price. Some will even sell some used and antique pieces that they have gotten from estate sales or as trade-ins.

Those who offer fine jewelry can be found all over the bustling and sophisticated mid-western city. There are some retailers that are part of national chains that can be seen in all major towns and cities across the country and around the world. They are in the downtown sections and the shopping malls of the worlds and that offer their customers a variety of items including rings, bracelets and other items such as necklaces and tie tacks.

The pieces found in these places are likely to made of high-end materials like gold or platinum. They have prestigious name brand pieces and watches for sale. They also offer some pieces that are finely crafted and have precious and semi-precious stones in them and that are made by some of the world’s most beloved craftsmen.

There are other stores that offer items for sale that are less expensive, but are still made from fine materials. They offer fine pieces but can offer them at a discount to their customers because they are bought in bulk or don’t carry a designer label. They offer some pieces that are even less expensive because they gold over silver or another metal.

There are still other retailers that some attractive costume pieces to match a variety of outfits and tastes. These may be quite inexpensive and are often sold in shopping malls and in boutiques that offer clothing and other accessories. There are also some pieces that are quite expensive even though they are not made from precious materials because they are made by a high-end designer.

They might be made of common materials like wire, glass, beads and metal or might be made out of some new and innovative materials not normally used in the craft. Some artists like to make one of a kind pieces that are hand crafted and put them up for sale at local eclectic boutiques and at modern art galleries throughout the city. Some will sell them at farmers’ markets and street fairs and other outlets and even online.

Some places sell antique pieces that have been traded in or purchased at estate sales. The pieces are fixed-up, refurbished and cleaned before they are put up for sale again. These pieces can be found at some fine jewelers or at antique dealers too and often come with a certification stating the quality and value.

For people who are interested in finding a place that sell jewelry chicago has a lot of good options, no matter what they are looking for. There’re some that offer fine pieces made out of precious metals and gem stones and others that only sell costume type pieces. Some might even sell some estate pieces.

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Money

If you are short on cash and have been feverishly searching for different ways that you can get your hands on some money, you should consider looking into cash for gold Chicago buyers. The economic recession has forced so many people to go without their basic necessities. During these trying times it is important that people realize that there are things that they can do to get money in their hands expediently.

In the past, there were a lot of people that had an easy time going to their local banks and applying for loans to help them obtain money when they needed it. However, looking at the present state of the economy, there are a lot of people that no longer have this option available to them anymore. Aside from that, the price for gold continues to rise and buyers are constantly searching for more and more ways to keep up with the demand for this product.

This is where these businesses need the help of consumers. Most people do not realize that they could be sitting on a goldmine. In fact, there are a lot of people that have valuable items in their homes that they just throw to the side and allow them to collect dust. There is no need keeping valuable items in your home that are of no use to you when you can get money for them.

Pawn brokers are middle men. They are not going to give you a large amount of money for your valuable items. The reason being is because they want to purchase your items from you for an extremely low amount of money and sell them to make a profit.

If you currently have broken or scrap pieces of gold lying around, chances are you have not attempted to sell these items because they are not in superb condition. However, if you do some research you will find that there are a lot of gold buyers that would be more than obliged to purchase your broken valuables as well. The best place to turn to in order to locate buyers that would be willing to purchase your broken valuables for you is the internet.

You need to be aware that what you have in your possession is extremely valuable to you and the buyers that are interested in purchasing them from you. With the supply of gold being at an all time low, it is possible to obtain a pretty penny for the items that you have lying around your home. In fact, some companies are even willing to purchase items made out of silver as well.

Before doing anything drastic it is important that you research some prospective buyers first. The internet is probably the best place to start your research, since most buyers will have a website that you can visit. You need to ensure the legitimacy of the buyer before sending your items to them.

When you are low on cash, you no longer have to suffer until your next pay date. With cash for gold chicago buyers you can obtain money for valuable items that you have lying around your home. Beat the recession and clean out your closet at the same time by doing business with a buyer.

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Money

A jewelry appraisal Chicago expert is tasked to evaluate a piece of treasured ornament. Not to mention, he or she figures out the value of a particular item. Apart from checking a modern or state-of-the-art piece of treasured ornament, this expert states it value as well. For this reason, this expert must be patient, detail-oriented, must be interested in treasured ornaments, and focused. He or she is required to have enough work experience as well as education.

This specialist finds out the cost of precious stones, and so this specialist’s services are frequently needed for a will, for the owner’s personal knowledge, or for insurance information. This specialist, most of the time, is updated with details concerning the market of precious stones. This specialist’s love for precious stones is a major stepping stone for this specialist to become an appraiser.

This specialist is also qualified to find out if a product is real or not, what is necessary for a product to become rare, and every single cut of these precious decorations. A jewelry appraisal specialist frequently studies in a technical institution or college in addition to this specialist’s self-education. A bachelor’s degree in gemology is just one of this specialist’s options from the numerous types of degrees, diplomas, and certificates.

It is the choice of this specialist whether or not this specialist wants to join an appraisal group such as the National Association of Jewelry Appraisers which is a US based group. Another option for this specialist is to join the International Society of Appraisers which is also US based. It is possible for this specialist to get a membership provided that this specialist by being updated with this specialist’s capabilities and go over the application method.

Majority of the time, appraisers have several years of experience in retail jewelry industry. This may be prior to the beginning of his or her advanced education. It is important for him or her to be determined, patient, and meticulous in order for him or her to be a jewelry appraiser. Research is often needed especially if he or she encounters a piece that is unfamiliar.

Giving the correct description and estimate of the product is important in an appraisal. Compared to antiques, modern pieces are usually easier to research on. This professional should be knowledgeable when it comes to metals, pearls, and clarity and cut of diamonds aside from the other substantial ones he or she should have.

Extensive knowledge about hallmarks and trademarks is another thing this professional should have. He or she should also be knowledgeable when it comes to gemstones especially the rare colored one to determine if these are enhanced or not.

This creativity as well as involvement of a jewelry appraisal chicago specialist should be exhibited in this line of business. Precious decorations are undeniably equipped with so much history mixing the past and present. It is not hard for this specialist to succeed if this specialist really has the passion for this. These are the responsibilities of this specialist necessary for this person to come up with precise details.

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Money

Precious metals have always been objects that are highly valued by a lot of people even during the reign of ancient kings and queens. Of these metals, gold is the one that has a lot of value especially at this and age. There are many who invest in anything made out of this precious metal. These days, you can find a lot of people who have become gold buyers Chicago or sellers because of the money that the business can bring them.

For those who are into buying such metals, it might be unclear to you how they can make money when they are the ones making the purchase. Keep in mind that even jewelries that broken or old can still be very valuable after they have been refined. By refining them, a buyer can make something that he can sell for a very expensive price.

If you are a first time buyer, you should be careful with whoever it is that you will do transactions with. Always buy from trusted sellers since you might end up with something that is fake. Do not just buy from others especially if you have never bought from them in the past. Always practice caution if you want to be successful.

A cautious buyer is a person who will always have the initiative to conduct a background check on the stores or individuals that he will purchase from. It would help to always check their background since you would want to know if there have been any complaints or bad records that you should know about.

Any person who is considered to be a beginner should do what they can to learn all the things they need to know about the business. Reading books, studying, and talking with people who have a lot of experience can help. Being knowledgeable is the best way for one to have a very successful life.

For sellers, it is also necessary for them to find the right people to sell their items to. They will only benefit from the transaction if they are with people that can be trusted to give them what they deserve. To find a good buyer, they can rely on research. Word of mouth can also be a reliable source of information.

Sellers should also be very well informed whenever they will do a transaction with anyone. Among the things they should know is the value of their item and how these things are going to be sold, weighed, or valued these days. To know all of these they can visit appraisers, read books, and talk to people who are considered experts.

One of the advice that some sellers can tell is that it is better to sell to people who do not employ any middleman. This is because what you will receive is going to be small since the buyer still needs to pay the middleman. Sell your item directly to the company especially to refineries so you can earn more.

For people like gold buyers chicago and also to the sellers, patience and perseverance is also needed if they want to succeeded in this type of business venture.

We have a lot more helpful information about A Simple Guide For Gold Buyers And Sellers .

Money

You will definitely not run out of coin dealers Chicago to choose from. However, finding a reliable one is important. This is not an easy task. A lot of business owners are claiming to be reliable, but you have to make sure that you are getting the right amount of money for your coins. It is advisable to make use of the tips below so that it will be easier for you to find one that will help you evaluate the value of your collection.

One vital factor is experience. This factor should be given significance by individuals. Only experienced vendors are capable of deciding on the value of the coins. Most vendors who are just guessing are those without enough experience. If individuals will do business with these vendors, they might just end up getting less than their coins true value.

If one is planning to invest in these coins, more relevance should be given to experience because he or she will request for ideas concerning the acquisition of these coins. Prior to picking a merchandiser, one should ensure to examine the credentials. It would be best for one to pick a merchandiser who is part of any professional organizations or unions.

If one picks a merchandiser who is part of any organizations, he or she can have peace of mind knowing that the merchandiser is dependable. These elusive organizations do not accept merchandisers who are not dependable. One excellent way for him or her to look for a dependable one is by looking for a merchandiser with good assets. The merchandiser should at least have his or her establishment or has already established him or herself in the location.

Established roots as well as assets are signs that the merchandiser will not hesitate to help on if any of his or her investments will get into trouble. Even if fakes ones are still available, it is no longer that hard to spot them. One should ensure that the merchandiser will repay him or her same amount if the acquired one is fake.

Make sure that you give importance to ethics too. Observe how the business owner interacts with customers especially those who are weaker. For instance, you can go to a show and observe if the business owners carefully look at the coins presented to them. Take time to do this so that you can distinguish the ethical ones.

One should deal with these kinds of merchandisers. It will not take long for qualified merchandisers to examine the coins. Also, they will exhibit their products in a reasonable manner and will not increase the worth of the coins that no longer corresponds to the true worth of these products.

Of course, one should also come up with a plan when picking one from the countless coin dealers chicago if acquiring of fake coins happens. Many of these merchandisers will stand by their products. One should not forget to inquire from the merchandiser of his or her probable recourse if problems will be encountered in the long run. This inquiry will be answered by a dependable merchandiser.

We have a lot more helpful information about How To Select Reputable Coin Dealers .

Money

You’re out of town. It may be for business or pleasure. Either way, you are spending money each day on a variety of goods and services. And you know it’s important that you track each expense. After every one, you responsibly make sure to get a receipt. But what happens to it? It goes in your pocket or wallet and sits there.

Later that week, you’re left with a bunch of illegible wrinkled receipts. “Why didn’t I record all of that data sooner?” is the familiar question you ask yourself.

Is this a situation you’ve been in? I have too, as have many others. It’s a pretty typical case.

But this is a scenario that doesn’t have to play out anymore. It’s the 21st century and, just as there are an array of tools available to help us write documents, buy tickets or stay in touch with friends, there are far easier and more convenient ways to deal with receipts than ever before.

The solution to this frustrating turn of events can be summed up in three words: mobile receipt scanning.

You see, these days there are a plethora of options for small, lightweight, highly portable scanners that you can bring with you on the road. You can simply scan in your receipts right when you get them or once a day when you get back to your room. And then you will have a clear, legible image of the receipt forever.

Is this somehow still too much work for you? While that may be hard to believe, if you require it, the process can be made even easier than this. How? Well, you can even create the receipt scans on the smartphone that you already have. That’s right. It isn’t even required that you buy a new scanner.

And this isn’t even all. There are actually services that will allow you to seamlessly upload those images to be stored in the cloud and/or even automatically organized for you in a “digital filing cabinet.” Many of these options even let you add notes and assign tax information to each receipt as you enter it, which will make your accounting later on far easier. Some of them even integrate with financial software like Quicken and Quickbooks.

So, as you can see, financial information maintenance has entered the 21st century. This is something to celebrate because of its convenience in terms of storing and appropriately sharing your data, savings, environmental-friendliness and privacy protections.

The bottom line is you should really take a look at some of the new technology that has emerged for tracking your receipts. You will find devices that are very small and light, along with accessories to help make carrying them even easier and safer.

Also, take a bit to check out the options for software to work with these devices. You’ll see that there is some marvelous, effective software that you can take advantage of, even if you choose to create your images with your smartphone.

Get ready to enjoy a world without crumpled receipts in your pockets and where, anytime you need to access records of your past expenses, you can do so in a flash. It’s a pretty nice world to be in.

Jack aims to make finances easier for others through assisting them in discovering the best tools for scanning receipts.

Money