Hire a Collection Agency to Assist You in Your Ails


It is one thing when people owe you money while you are financially well to do yourself, but when times get rough, and people who you once lent money to still have not paid up, you might experience great stress and frustration. After all, it is a very breach of the trust that was established by the very act of making the loan. In business, a collection agency can help make sure that the people who are indebted to you pay what is due. We live in a culture of buy now and pay later, which is great as far as getting instant gratification is concerned, but poses a problem when people are fiscally irresponsible, and begin making purchases that they cannot afford.

                For those living on the west coast, a California collection agency is just a phone call or a click away and from there you are one step closer to receiving the money that has been long overdue. Anyone who is not living on the west coast, do not fret for this is not an agency that is exclusive to one state only. There are nationwide credit and collection services that exist to assist business owners and the like in their money issues. It can be intimidating to try and collect on your own. If you are not experienced, it is easy to be manipulated so that you receive less than you are owed. Prevent the hassle by getting help from trained professionals that are not lured into the same traps as easily as you might be.

Learn How To Play Guitar Chords

If you are new to playing the guitar you will find the basic guitar theory very entertaining and useful. Learning to play the guitar can be an exciting new hobby and by using this players will learn to maximize their practice time in order to reap the most benefits.

Learning how to play guitar chords can be frustrating for those that really need just the right guide but with this you will catch on in no time at all. This tool which was created by a student at a well-known institute learned secrets of how to maximize your practice time and benefit with real success. From there they created this useful tool which has been used to teach hundreds of new players how to play properly and to work towards becoming a better player. While the product has changed over time this is the perfect option for someone who wants to learn how to play.

If you are ready to learn guitar scales including the importance of them you will be surprised by how quickly this can help you to learn that and much more. For many guitar players trying to learn can be stressful especially if they don’t catch on right away but for those that is looking for something different and that really work this is a great option for you. You can choose this product for yourself or someone else in your life that really wants to learn how to play the guitar properly and will follow the steps to do just that.

Protect yourself against Ponzi Schemes

Imagine trusting your hard-earned money—such as your retirement savings—to a financial adviser only to lose it all in a fraudulent scheme. Obsessing about whether your money manager could be the next Bernard Madoff, the alleged mastermind of a $50 billion Ponzi scheme, isn’t going to do much good, but some healthy skepticism won’t hurt. Here are five tips for investors so they can avoid getting taken to the cleaners:

Make sure your adviser is legit. If you’re looking for an adviser, ask friends and relatives for recommendations—but don’t stop there. A scary truth is that anyone can call himself or herself a financial planner or adviser, so it pays to check with national organizations that issue credentials. They include the National Association of Personal Financial Advisers, the Financial Planning Association, and the Certified Financial Board of Standards. Each offers a searchable database with contact information for planners in each state. The American Institute of Certified Public Accountants has a list of CPAs who’ve earned the personal financial specialist designation.


Dig deep. Put on your gumshoes and find out how long the adviser has been in the business. Ask to see his or her ADV Form, Part II, which a planner files with the Securities and Exchange Commission. It contains information about the adviser’s background, services, and fees. Check for complaints filed though your state’s securities regulator (contact information is available here). A site visit might also be helpful, says Tim Kochis, chief executive of Aspiriant, a wealth management firm with offices in San Francisco and Los Angeles that caters to high-net-worth clients. "Reputation and apparent track record are not enough," he says. "You have to go way beyond that to really investigate the operations of the org and find out if what is claimed is real."

Understand the difference between a manager and a custodian. A custodian, which would include the Fidelitys and Charles Schwabs of the world, is in possession of your investment account and issues periodic statements of transactions. The manager of assets executes those transactions. "A lot of people fail to understand why it’s important to separate these functions," says Kochis. "Frauds almost always occur when those two things are put together." In other words, look out for an investment manager who wants complete control of your money and asks that checks be made out to him or her. You can sleep tight if your funds are in the custody of a broker-dealer firm regulated by the Financial Industry Regulatory Authority and backed by the Securities Investor Protection Corp. But make sure you receive at least quarterly statements, says Mickey Cargile, founder and managing partner WNB Private Client Services, which is based in Midland, Texas. "The key is that you get it directly from the custodian and not from the adviser."

Be skeptical of pitches for exotic or obscure products. Banks, brokerages, and planners offer a wide range of financial products, including exotic investments that incorporate leverage and complex derivatives. If you get a pitch for an asset class you’re not familiar with, make sure you understand the process by which it achieves returns. Jim Wiandt, editor and publisher of the Journal of Indexes and publisher of IndexUniverse.com, puts it like this: "If you don’t understand it, you shouldn’t be in it." Cargile takes it a step further: "Only invest in transparent assets. We don’t invest in anything we can’t turn to cash in three days or less, which limits us to stocks, bonds, mutual funds, and exchange-traded funds." A hedge fund, which isn’t required to disclose its holdings, is an example of a nontransparent investment. Also, be especially wary if your adviser downplays or denies risk.

Be especially vigilant if you’re nearing or in retirement. According to a recent study by the North American Securities Administrators Association, nearly half of all investor complaints submitted to state securities agencies came from the senior set. According to the association, bogus operators sometimes con older investors through free-lunch seminars that are followed by calls from salespeople a few days later (a common recommendation is to liquidate securities and use the proceeds to buy indexed or variable annuities).