WASHINGTON The U.S. division of Housing and Urban developing (HUD) and the U.S. division of Veterans Affairs (VA) today launched $18.5 million to 39 regional general public housing companies nationwide to produce a permanent home to approximately 2,100 veterans experiencing homelessness.
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Is investing in silver a profitable endeavor? Metals have been the attraction since ancient of times to this day. Investing in gold, silver, copper, zinc and oil is considered as good investment now.
There are also indexes that reports and records or silver and gold price movements. Investing in silver is a bright idea, as the silver index looks promising. In the month of May, 2007 silver has hit a high of $15.17 per ounce and since it is under $20 it is still at the reach of an ordinary investor.
You can try your luck on silver through Hecla Mining (NYSE: HL), Pan American Silver (NASDAQ: PAAS), Silver Standard Resources (NASDAQ: SSRI) and iShares Silver Trust (AMEX: SLV). The demand of silver is increasing in countries around and that is the major reason why investing in silver remains a gaining ground.
Gold and silver almost move in the same way on an index. Therefore, when gold prices do well in the stock exchange it heavily affects silver prices and silver rise up too.
The Silver boom is likely to occur, and contributing to this factor is demand of silver articles in USA, China, India, Russia and other parts of Europe. Silver jewelry is highly in demands it looks chic, is affordable and has a resale value. Silver consumption is increasing day by day. Industries silver demand is increasing every year.
Silver is a good conductor of electricity and that makes it popular as well. It is also thought that silver stock is low this year and when the demand supply ratio stretches silver rates will automatically soar.
Investing in silver is coming up as a powerful business with lots of money to play around with. It wouldn't be inaccurate to say that investing in silver will bring you the gold mine. One can invest in Silver coins or silver bullions but take into account the high premium associated with it. Your broker can be the guide to your investing in silver.
The bottom line is this: in order to really profit from investing in silver, you need to focus all your efforts on this endeavor. Don't become a jack of all trades but master of none. Follow these important tips and you'll make a good profit with your silver investing exploits.
This is a great system that is perfect for small businesses. I have personally seen this program generate 25%-%40 increase in sales just by telling people you offer No Credit Check Financing. This article will show you step by step the way to set it up and many ideas dealing with advertising the plan.
When implementing the concept discussed in this article, https://www.facebook.com/Patrick.Ryan.Moore.Texas Concepts does not inherit the responsibility of the loans being paid back, of legal issues, or of anything that results from the use of this information.
The legal disclaimer is a must. We do offer a 90 Day Financing Plan that is guaranteed. We take care of the details and the risk. There is no risk to the merchant. This article is based on the idea. You can put many things in place to insure the loans are paid back. This will be your responsibility. We will discuss them and let you know the pros and cons.
You will need a good file management system. If you are running a business this is not really a problem. I recommend that all the paper work is scanned into your system. This allows for quick retrieval if there are any problems with the contract the customer signs.
Below is an example that does not charge the customer finance charges.There is an example on our website that has finance charges. This would qualify your program as Same as Cash Financing. You are allowed to charge finance charges and application fees. This would create another income stream for your company but, you can not advertise Same as Cash Financing.
The choice is up to you.
Yoshi walks in to your store and wants to buy your product or service but does not have the money and has bad credit, no credit, or just does not want to take out a loan. The item costs $1000. Yoshi says that is too much right now. You explain that you can offer him a No Credit Check Financing Option. He says Great. You and Yoshi agree on what payment schedule will fit in his budget. He agrees that $200, every two weeks, would fit his budget.
Yoshi will then write you out five checks post dated checks for the amount of $200 each. Five $200 checks equal the $1000 sale price. I know there is someone saying is that legal. Yes. The law with post dating checks is very vague.
The two major things that come in to play are:
1. If the customer writes a post dated check that they know will not be good on the post dated date. This is a form of fraud. Customer is in the wrong.
2. You cash the check before the post dated date. When you and the customer agree on the payment schedule you are agreeing to cash the check on the dates stated on the contract. You are in the wrong. They can sue you for the penalties incurred and numerous other things depending on your state.
It is a good idea to keep the post dated checks within 90 days of the sale date. This is safer for you and the customer.
The check will need to be kept safe (in a safe). This will make sure that they do not fall in to the wrong hands.
Next you will need to get the filing system in order. You will need a way to let you know when the checks need to be cashed. You can do this one of two ways.
The first would be a basic folder arrangement. Create one folder for every week. Check the folders at the beginning of the week son you know what checks need to be cashed.
The second and probably preferred would be a basic program with Excel or some other spreadsheet program. This would require that you put the information in to your system, but would save the file set-up time. You will set up the spreadsheet to organize the payments by date. Check the spreadsheet every day to see what checks need to be cashed.
Here are a couple things to protect you from fraud and default on repayment.
The options below are up to your discretion. You can use one of them or all of them. The more you implement the more protection you will have that the customer will not default on the loan.
This first three are, in my opinion, a must.
1 Get a copy of the customers I.D.
2 Get a copy of their most recent pay check stub. You can take this one step further and verify employment. You can give the employer a call or you can send a fax to the Human Resources Department. The easiest way is to call. They can not give you much information over the phone but, they can tell you if the customer works there and if there is anything that might affect his future employment.
3 Call the bank to verify the account is in good standing.
4 Verify the Checks. If you have a merchant account that can process checks this can be simple. If you do not have check verification you can call your provider and check pricing to get it set up. If you do not have check verification and you do not want to pay for the service there are some other options. They are not as reliable but will work. Physically go to the bank where the check was issued and cash it. If there are not funds they will tell you or they will cash it and charge the customer an overdraft fee. DO NOT DO THIS WITH THE POST DATED CHECKS. This should only be done with checks that are not post dated. You and the customer came to an agreement that you would not cash the checks until the date on the checks.
5 Verify the customers check writing history. This can be done a couple different ways. Check out National Check Network.com (NCN). You can also do a search on Google or ASK.com for How to verify a customer check writing history. These systems can vary in cost and quality. We use NCN. This option will let you know if they have bounced checks that are outstanding, a history of writing bad check, or any check fraud in the past.
These are the basics and if want to tweak it to fit your company better, great.
We have a customizable contract on our website available for download. The form is a PDF. If you do not have a PDF editor you can go to PrimoPDF.com and convert the file to a.DOC file. This contract is free of charge and we will not ask you to give us any information. This is a great tool that will save you some time. There is no need to design your own. This is the exact form we use.
We also offer No Credit Check Financing that takes away the risk and is very user friendly. We implement the procedures above and guarantee the payment to the merchant. If the customer defaults we will honor the payment and we will take action to recover the monies owed. The fees involved are normally less than what it would cost you if you to set up check verification and verification of check writing history. It is guaranteed to save you time.
Advertise the No Credit Check Financing everywhere. Here are a few suggestions.
Get a sign/banner that states you have the program. We have a local company that will paint the lettering on. You can get your local sign maker to help you, also. Window appliques, appliques for your car, magnets for your car, the list goes on and on.
Change the on-hold audio so it mentions No Credit Check Financing and also voicemail box recordings. Be sure to mention the plan when you answer the phone.
Include the program on anything that your business uses for advertising.
* Yellowbook Ads
* Business Cards
* You need to get it visible to as many people as possible.
Do a local radio commercial that states you now offer No Credit Check Financing This is spectacular if you can afford the media.
I hope everyone reading this did not find it a waste of time. If you can not use the information in this article please pass it on to someone who can. If you would like you can download an exact copy of this article and contract here. We will not ask for any information. I will be writing more articles in the near future. The article will be on ways that small businesses can increase their sales with various techniques. Please subscribe to my newsletter if you would like to be emailed when they are posted.
Source by Dan Wisner
Personal selling is usually a beneficial vehicle for interacting with existing as well as prospective customers.
Characteristics of Personal Selling and Sales Management
Personal selling consists of the two-way flow of transmission involving a customer and vendor, frequently in a face-to-face experience, made to affect a person's or maybe group's purchase choice. Personal marketing also happens by phone, via video teleconferencing, as well as Web between customers and also sellers.
The responsibilities associated with controlling personal selling contain: (1) setting goals; (2) coordinating the workforce; (3) enrolling, choosing, coaching, and paying sales staff; and (4) analyzing the efficiency of individual employees.
Personal Selling in Marketing
Salespeople coordinate company interests with Client requirements to satisfy both parties within the exchange procedure. Salespeople symbolize what a corporation is or tries to be and are frequently the only personalized contact a client has with the organization. Personal selling could perform a dominant function in a firm's marketing program if a firm employs a press marketing approach.
Creating Client Value through Sales staff: Relationship and Partnership Selling
Sales staff can generate Client value in numerous ways:
Determining innovative methods to Client difficulties.
Easing the Client buying procedure.
Following through right after the sale.
Relationship selling is a process of creating ties to clients structured on a salesperson's attention and dedication to Client needs after a while. It:
Consists of common esteem and confidence among customers and vendors.
Works with developing long-term customers, not one-time sales.
Partnership selling (or enterprise selling) is the process where customers and vendors merge their knowledge and methods to generate personalized alternatives, dedicate to joint planning, and also share client, competitive, and company details for their common benefit, and finally the customer. It:
Depends on cross-functional business experts who apply their expertise and abilities to obtain better efficiency, reduced cost, and greater Client value.
Complements supplier and channel partnering.
Relationship and partnership selling characterize a further facet of Client relationship management (CRM).
Source by Mary Susan Smith
The U.S. Commodity Futures Trading Commission's (CFTC's) Division of Swap Dealer and Intermediary Oversight today issued no-action relief from registration for persons located outside the United States who act as Introducing Brokers, Commodity Trading Advisors, or Commodity Pool Operators in connection with swaps that are not subject to a CFTC clearing requirement on behalf of persons located outside the United States.
WASHINGTON the usa Mint is very happy to announce a require artists to create the obverse and reverse associated with commemorative coin that may recognize America's fight against cancer of the breast. Authorized by-law, the cancer of the breast Awareness Commemorative Coin Act acknowledges the many Us americans that influenced by the condition additionally the energy to prevent it through research. Your competitors attracts artists to create pictures emblematic associated with fight against cancer of the breast, with the winning artist to be granted $10,000 and also their initials included regarding the minted coins. The cancer of the breast Awareness Commemorative Coin system includes a gold, gold, and clad coin, with the gold version to be made of green gold, a primary for United States Mint. Comprehensive details, including accessibility entry, guidelines, and due dates, are available at www.usmint.gov/competition.
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The U.S. Commodity Futures Trading Commission (CFTC) is requesting public comment on a petition submitted by LCH.Clearnet Ltd for an order pursuant to Section 4d(f) of the Commodity Exchange Act (Act).
Tampa real estate investing is the best opportunity that you can have in order to be a millionaire entrepreneur. With the aid of proper education, knowledge, information, and training, you can be successful even if it is your first time.
With lots of options in Tampa real estate, you can definitely find motivated sellers that will give you fat check and can give you the best deal you want. But before that, you need to be packed with valuable information, tips, secret, advices, methods, strategies that can help you out in Tampa real estate investing.
There are plenty of ways in order to gain all of these and to be armed as you enter Tampa real estate investing. You can enroll yourself in university that offers real estate investing. You can read plenty of books about real estate investing. Checking out some websites that provides tips, strategies and testimonials of successful investors can be done to learn as well.
It is a good idea to find a mentor that can help you with the basics. Let others guide you first until it will come to the point that you can guide yourself. You can attend some seminars about real estate investing and sign up for real estate investor forums so you can interact with successful investors, indeed, you can learn through their experiences.
Yes, there are lots of ways to prepare in Tampa real estate investing. You need to be well-equipped as you enter this venture in order to see great results and not just waste your money with nothing.
Definitely, the main reason why you want to enter Tampa real estate investing is to earn lot of profits like those successful investors who gain millions in investing. But those successful investors educate themselves first before they enter this venture, so you need to learn first as well.
In entering with new venture, you have to start with a business plan that includes marketing, advertising, continuing education, and strategies.
As soon as you gain the proper education and training that you need, you can now go on and enter the market and look for properties that you want. Actually, there are lots of types of investing, so you need to decide which one you can do best and focus to that type, this can help you gain success.
Hiring real estate agent can help you will your quest, he/she can assist you in finding the property or properties that you want and he/she can also help you out in selling it, if this is the type of investing you want. But you have to make sure to hire the right real estate agent, the one that has the proper expertise and experience regarding Tampa real estate investing.
Your agent will assist and guide you with your Tampa real estate investing. Actually, this venture needs lot of work so you have to hire persons that can help you out to have the best deals. You have to look for persons that are familiar with Tampa real estate market.
Personal finance is an essential part of life, but that doesn't mean you are naturally going to get the gist of things without the right training, education, and resources. If you are unprepared and unclear on the processes involved, you could make costly mistakes that you could have otherwise, avoided. Take these tips with you as you get into any type of personal finance projects that will require more understanding.
Read books about personal finance and make a point to do this consistently. Motivational books about personal finance keep you on your toes and help make you make great strides in this department. Dave Ramsey has some really great books out, and I definitely recommend his book Financial Peace. It is a great read!
Setting the water level in your toilet is a great way to decrease the amount of water that is used for each flush. There are simple blocks that hang inside your tank that will decrease the amount of water that is needed to fill your tank and shut the water flow off.
Use Skype for overseas calls. You will find that it is not going to cost you much money and it is going to be much easier than messing around with calling cards. If that is not an option, use your cell phone rather than the hotel phone. You may have to pay more for minutes on your phone but you avoid being overcharged by the hotel.
Make sure to keep track of every single expense when you write a check or use a debit card. Keeping track of what's in your bank account can help, as sometimes a payment can be taken out and it won't be reflected in your bank account until much later. Keep track of your finances and avoid those pesky overdraft fees!
Buy in Bulk. Stores like Costco and Sams Club are popular for a reason. A single person may not be able to use six cans of peanut butter in a reasonable time, but non perishable items like toilet paper may last you for a year! Buy in bulk what makes sense for you and add up the savings.
A great personal finance tip that can help you save money is to take some of your unused clothing to a consignment shop. If you have any clothes that are just sitting in your closet, you can make a little bit of money by selling them to a consignment shop.
Clear debts as soon as you can. Many debts are collecting interest as time goes on, and the interest rates can be very high. Getting rid of debts sooner allows you to pay less on interest and therefore, less overall. Save money by getting rid of debt, starting with the debt that has the highest interest rate.
Personal finance could be difficult to understand, but only if you aren't taking the time to learn what everything means, how it all works, and how it all fits into your life's financial matters. You could be successful in your attempts, but only if you use tips like these to get through each process.
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September 16, 2016 Contact: Office of Communications Phone: 202-693-1999 OSHA issues final rule establishing procedures for handling retaliation complaints under the Seaman's Protection Act WASHINGTO