FTC Issues Final Policy Statement Regarding Collecting Deceased Debt
by Takara Alexis
The Federal Trade Commission has finalized a policy statement saying that the agency will not take enforcement action under the Fair Debt Collection Practices Act (FDCPA) or the FTC Act against companies that are attempting to collect the debts of deceased consumers, if the companies communicate with someone who is authorized to pay debts from the estate of the deceased.
The policy statement also emphasizes that debt collectors might not mislead relatives to believe that they are personally liable for a deceased consumer's debts, or use other deceptive or abusive tactics. Family members typically are not obligated to pay the debts of a deceased relative from their own assets. The FDCPA limits whom debt collectors can contact after a loved one has died to people such as the deceased person's spouse and the executor or administrator of the deceased person's estate.
Since the FDCPA was enacted in 1977, state probate laws have changed, and now, less formal procedures often govern the appointment or selection of those who are responsible for the disposition of the estate. In many cases, there may be no formal executor or administrator of an estate. In the enforcement policy statement, the Commission wants to reconcile the FDCPA's requirements with current trends in state probate law.
In keeping with the FTC's October 2010 proposed policy statement, the final policy statement specifies that the agency will not take law enforcement action under the FDCPA if a debt collector communicates about a deceased person's debts with that person's spouse, the executor or administrator of the deceased person's estate, or anyone else who is authorized to pay the debts from assets in the estate.
The final policy statement also states how debt collectors may communicate with family members and others to locate someone who is authorized to pay the deceased person's debts from the estate, and specifies that collectors can not mislead individuals into thinking that they have the authority to pay the decedent's debts when they do not.
It also specifies that, in trying to locate someone who is authorized to pay the deceased person's debts from the estate, collectors might not reveal or refer to the debts, but may say they wish to discuss payment of the deceased person's bills. Also, in keeping with the FDCPA's prohibition on unfair, deceptive, or abusive collection practices, debt collectors may not contact family members and others at unusual or inconvenient times or places.
The policy emphasizes that, in communicating with someone who is authorized to pay the debts from assets of the deceased person's estate, collectors need to avoid creating the misleading impression that the individual is personally liable or could have to pay using his or her own assets, or assets held jointly with the deceased person.
Monday, July 25, 2011
HOAs- Manditory Or Voluntary?
HOAs- Manditory Or Voluntary?
by Takara Alexis
Numerous homeowners living in these voluntary associations have been happy until in recent times, when some busy-bodies felt that it was time for changes. These people come together and claim it's time to change the community.
Especially in the Orlando area homeowners complained recently that they received letters from their board, claiming that the former voluntary association has been changed into a mandatory association, new deed restrictions have been established and you must pay your dues immediately. In a second and third letter threats of liens, foreclosures etc. have been added to these demands. And all under the cover of a majority vote.
According to some Florida Court Rulings this is not the way it works. If you are a member of a voluntary association you can't be forced without your agreement to become a member of a mandatory association. Don't let these busy-bodies threaten or intimidate you! They have zero right to do so. As long as the deed to your property doesn't say that your property belongs to a mandatory association, nobody can force you.
Numerous homeowners living in mandated properties would only be too happy to be able to get away from them. A lot of law-suits all over the nation are proof of all the existing problems. It appears very obvious that this program has failed the homeowners badly and is only staying alive because the industry is fighting like crazy not to lose their valuable cash cow.
These people will tell you how great the advantages are of being a member of a mandatory association. No pink houses in your neighborhood, no old cars in the drive-ways and no flag poles in the neighbors' front yard. And your property values will go up in no time!
What they definitely won't tell you is that your money can be used to sue you, that you'll be financially responsible for any of the association's liabilities and that other people, like these busy-bodies, have suddenly the right to tell you what to do and not to do on your own property. They will tell you that your dues will be used to improve your neighborhood. They will not tell you that often more than 50% of the collected dues will be used to pay industry partisans like management companies and HOA attorneys.
And in regards of mandatory homeowners' associations raising property values? Don't fall for this industry fairy tale! There are many examples which render this claim absolutely false! Texas Senate hearings revealed a recent study from Harris County, Houston, TX , which clearly proves that just the opposite is the case. Please see the well documented statistics at supporting documents. And in case of a planned resale the title companies' search will reveal that your property belongs to a mandatory HOA. And since more and more home buyers realize what HOAs are all about, it might even inconvenience your resale intentions.
by Takara Alexis
Numerous homeowners living in these voluntary associations have been happy until in recent times, when some busy-bodies felt that it was time for changes. These people come together and claim it's time to change the community.
Especially in the Orlando area homeowners complained recently that they received letters from their board, claiming that the former voluntary association has been changed into a mandatory association, new deed restrictions have been established and you must pay your dues immediately. In a second and third letter threats of liens, foreclosures etc. have been added to these demands. And all under the cover of a majority vote.
According to some Florida Court Rulings this is not the way it works. If you are a member of a voluntary association you can't be forced without your agreement to become a member of a mandatory association. Don't let these busy-bodies threaten or intimidate you! They have zero right to do so. As long as the deed to your property doesn't say that your property belongs to a mandatory association, nobody can force you.
Numerous homeowners living in mandated properties would only be too happy to be able to get away from them. A lot of law-suits all over the nation are proof of all the existing problems. It appears very obvious that this program has failed the homeowners badly and is only staying alive because the industry is fighting like crazy not to lose their valuable cash cow.
These people will tell you how great the advantages are of being a member of a mandatory association. No pink houses in your neighborhood, no old cars in the drive-ways and no flag poles in the neighbors' front yard. And your property values will go up in no time!
What they definitely won't tell you is that your money can be used to sue you, that you'll be financially responsible for any of the association's liabilities and that other people, like these busy-bodies, have suddenly the right to tell you what to do and not to do on your own property. They will tell you that your dues will be used to improve your neighborhood. They will not tell you that often more than 50% of the collected dues will be used to pay industry partisans like management companies and HOA attorneys.
And in regards of mandatory homeowners' associations raising property values? Don't fall for this industry fairy tale! There are many examples which render this claim absolutely false! Texas Senate hearings revealed a recent study from Harris County, Houston, TX , which clearly proves that just the opposite is the case. Please see the well documented statistics at supporting documents. And in case of a planned resale the title companies' search will reveal that your property belongs to a mandatory HOA. And since more and more home buyers realize what HOAs are all about, it might even inconvenience your resale intentions.
Thursday, July 21, 2011
Collecting Delinquent HOA Fees
Collecting Delinquent HOA Fees
by Takara Alexis
No one enjoys forcing payment plans, filing liens, or even foreclosing on their neighbor's house. But when homeowners do not pay their homeowners association fees, the rest of the neighbors have to pick up the slack through higher fees, special assessments, or reduced spending on community upkeep and amenities.
Just a few homeowners who stop making HOA fee payments can cut into an association's budget quickly. Annual HOA fees average $420 for single-family homes and $2,400 for condos, the U.S. Census Bureau says. If too many homeowners stop paying their HOA fees, lenders may be unwilling to make mortgages or refinance properties in the community. Fannie Mae, for example, can't guarantee loans in condominiums where more than 15% of the homeowners are 30 days or more overdue on HOA fees. That can hurt property values.
The sooner action is taken to collect past-due accounts, the better off everyone is. With 25 of the 200 units in foreclosure, the association waits only 60 days before telling delinquent owners that the HOA is going to place a lien against the title to their home. Consult your community association's attorney and read for yourself what the bylaws say you can do about delinquent homeowners. Weigh the costs of the actions your board could take.
Legal fees for letters demanding payment can run $200 to $500 per home, but each case is different. Suing a homeowner individually and trying to garnish wages to collect delinquent fees could cost $2,000 or more. Your community's attorney could be able to recommend a collection agency with experience working on HOA cases. Foreclosing on a homeowner who owes back dues can cost much more and will not result in payment unless the unit is worth more than the value of any mortgages and liens already on the property, plus attorney, home-sale, and court costs.
Offer a payment plan to owners in financial distress. Divvy up the delinquent amount into monthly installments. Many associations might try for a 12-month plan, but a six-month deadline with an option to renew seems to produce better results.
Many, but not all, states allow HOAs to sue homeowners for unpaid dues and then garnish the homeowner's wages or bank accounts. Taking a case all the way to trial could cost the HOA several thousand dollars. Having an HOA officer take the case to small claims court may be an option in your area.
Talk to your association's attorney about reverse foreclosure. Many communities in Florida are using a legal technique called reverse foreclosure to force banks to foreclose on unit owners who are making neither mortgage nor HOA fee payments. The move forces the bank to go ahead and foreclose on the unit. Once the bank owns the unit, it then has to make the HOA payments.
by Takara Alexis
No one enjoys forcing payment plans, filing liens, or even foreclosing on their neighbor's house. But when homeowners do not pay their homeowners association fees, the rest of the neighbors have to pick up the slack through higher fees, special assessments, or reduced spending on community upkeep and amenities.
Just a few homeowners who stop making HOA fee payments can cut into an association's budget quickly. Annual HOA fees average $420 for single-family homes and $2,400 for condos, the U.S. Census Bureau says. If too many homeowners stop paying their HOA fees, lenders may be unwilling to make mortgages or refinance properties in the community. Fannie Mae, for example, can't guarantee loans in condominiums where more than 15% of the homeowners are 30 days or more overdue on HOA fees. That can hurt property values.
The sooner action is taken to collect past-due accounts, the better off everyone is. With 25 of the 200 units in foreclosure, the association waits only 60 days before telling delinquent owners that the HOA is going to place a lien against the title to their home. Consult your community association's attorney and read for yourself what the bylaws say you can do about delinquent homeowners. Weigh the costs of the actions your board could take.
Legal fees for letters demanding payment can run $200 to $500 per home, but each case is different. Suing a homeowner individually and trying to garnish wages to collect delinquent fees could cost $2,000 or more. Your community's attorney could be able to recommend a collection agency with experience working on HOA cases. Foreclosing on a homeowner who owes back dues can cost much more and will not result in payment unless the unit is worth more than the value of any mortgages and liens already on the property, plus attorney, home-sale, and court costs.
Offer a payment plan to owners in financial distress. Divvy up the delinquent amount into monthly installments. Many associations might try for a 12-month plan, but a six-month deadline with an option to renew seems to produce better results.
Many, but not all, states allow HOAs to sue homeowners for unpaid dues and then garnish the homeowner's wages or bank accounts. Taking a case all the way to trial could cost the HOA several thousand dollars. Having an HOA officer take the case to small claims court may be an option in your area.
Talk to your association's attorney about reverse foreclosure. Many communities in Florida are using a legal technique called reverse foreclosure to force banks to foreclose on unit owners who are making neither mortgage nor HOA fee payments. The move forces the bank to go ahead and foreclose on the unit. Once the bank owns the unit, it then has to make the HOA payments.
Friday, July 15, 2011
Look Out For Debt Reduction Scams
Look Out For Debt Reduction Scams
by Takara Alexis
In today's socio-economic scenario, credit card debt is out of control. Taking advantage of the situation, a large number of debt management agencies have popped up all over the internet. If you browse through the internet you'll come across a lot of sites promising to offer legal assistance to the debt stricken people. If you really feel that the burden of your debt has pushed you into a tight corner then of course you can look forward to the help and advice of any debt management firm. But prior to enrolling into any program promoted by those firms, you need to check the authenticity of their programs on different parameters.
Debt reduction agencies may bombard you with loud promises but as a responsible citizen it is your job to check if their promises are genuine. Fraudsters are always attempting to get your money and at the same time the cost of bankruptcy can also prove to be disastrous for you. So you will always have to proceed with measured steps, keeping your eyes open.
Check whether the company you're going to enroll with is accredited by the BBB (Better Business Bureau). When it's certified by such a reputed agency, you can put your confidence on them. Do not believe if you are told that the settlement company will minimize your credit debt by 60% to 70%. In most cases, the arbitrators of any firm try to lower your spiraling interest rates and other late fines and penalties. But if they make such a high claim even before assessing your financial status, it just shows that they are less than a trusted party.
You should also take it as an inkling of scam if they're claiming to have known some secret laws that will eradicate your financial obligation. You can suspect their honesty if they tell you that they would prove the credit contract as an invalid one or the credit issuer as an unauthorized party. No settlement agency can actually ensure you that you'll never face any embarrassing calls from your creditor in future. Now if any such promise is made to convince you, it is better to avoid those companies.
They may urge you to stop paying money to your creditor and all your money is put into their trust account. But in many instances debtors have been shocked to find that most of their money was absorbed by the settlement firm as their hidden charges. No money has reached their creditors which they had sent in good faith. Such cases will only aggravate your credit company to pursue their collection effort more relentlessly.
Finally, it will be unfortunate when you find that you have strapped yourself into more debts after enrolling in their debt reduction programs.
by Takara Alexis
In today's socio-economic scenario, credit card debt is out of control. Taking advantage of the situation, a large number of debt management agencies have popped up all over the internet. If you browse through the internet you'll come across a lot of sites promising to offer legal assistance to the debt stricken people. If you really feel that the burden of your debt has pushed you into a tight corner then of course you can look forward to the help and advice of any debt management firm. But prior to enrolling into any program promoted by those firms, you need to check the authenticity of their programs on different parameters.
Debt reduction agencies may bombard you with loud promises but as a responsible citizen it is your job to check if their promises are genuine. Fraudsters are always attempting to get your money and at the same time the cost of bankruptcy can also prove to be disastrous for you. So you will always have to proceed with measured steps, keeping your eyes open.
Check whether the company you're going to enroll with is accredited by the BBB (Better Business Bureau). When it's certified by such a reputed agency, you can put your confidence on them. Do not believe if you are told that the settlement company will minimize your credit debt by 60% to 70%. In most cases, the arbitrators of any firm try to lower your spiraling interest rates and other late fines and penalties. But if they make such a high claim even before assessing your financial status, it just shows that they are less than a trusted party.
You should also take it as an inkling of scam if they're claiming to have known some secret laws that will eradicate your financial obligation. You can suspect their honesty if they tell you that they would prove the credit contract as an invalid one or the credit issuer as an unauthorized party. No settlement agency can actually ensure you that you'll never face any embarrassing calls from your creditor in future. Now if any such promise is made to convince you, it is better to avoid those companies.
They may urge you to stop paying money to your creditor and all your money is put into their trust account. But in many instances debtors have been shocked to find that most of their money was absorbed by the settlement firm as their hidden charges. No money has reached their creditors which they had sent in good faith. Such cases will only aggravate your credit company to pursue their collection effort more relentlessly.
Finally, it will be unfortunate when you find that you have strapped yourself into more debts after enrolling in their debt reduction programs.
Why Are HOA Fee's A Good Thing?
Why Are HOA Fee's A Good Thing?
by Takara Alexis
HOA Fees are revealed to all home buyers prior to purchase. This term signifies that the builder/developer of the building or neighborhood legally filed some covenants, conditions and restrictions that run with the property and likely filed Articles of Incorporation and bylaws outlining the establishment of the Home Owners Association, their duties and voting rights.
The presence of an HOA will show up as an exception on your preliminary title report. Exceptions on the title report prove that there's some claim or limitation on property ownership. In the case of an HOA, the significance is that there are limitations to property use. Owners need to conform to the guidelines in the covenants, conditions and restrictions, which is sometimes loosely referred to as community rules.
When you order a set of HOA documents for review prior to purchase of property, especially newer property including condos and town homes, you could come to find that the HOA package is over an inch thick! The package will include all HOA documents of public records as well as minutes of meetings, financial studies, budgets and more.
Know that the financial stability of your HOA is important. In the event that cash reserves do not meet future obligations, there may be a special assessment levied on each home/unit. There are fee-based providers that will review HOA financial documents and provide an opinion of their stability.
HOA fees pay for upkeep, maintenance and amenities. Doesn't that seem easy? It is actually pretty complex. The HOA document package will outline the obligations of the HOA and the obligations of the homeowner. For the HOA to fulfill it's obligations it requires funding, and that is what HOA fees pay for. Various potential home buyers don't see the value in paying HOA dues. Yet, if people see that the fees are going to support the development and lifestyle amenities, it often makes sense. Building insurance alone is a huge expense for the association, as is a liability cost for insuring the common areas.
Establishing the amount of HOA fees is a fine balance, it needs to pay the current obligations and set aside reserve funds for repair and replacement expense. If the HOA is deferring maintenance items due to lack of funds or oversight, it can cost the homeowners much more in the long term due to increased repair expense. Failure to paint wood siding and seal it from moisture can cause decay. It's cheaper to keep it painted than it is to replace the siding!
Buyers, do your diligence on the HOA package. What do the fees cover? Do the items covered appear to be well maintained? If not, it may be a sign of deferred maintenance. Perhaps then look hard at the cash reserves and financial study in the HOA package. Deferred maintenance can be the precursor to a special assessment.
by Takara Alexis
HOA Fees are revealed to all home buyers prior to purchase. This term signifies that the builder/developer of the building or neighborhood legally filed some covenants, conditions and restrictions that run with the property and likely filed Articles of Incorporation and bylaws outlining the establishment of the Home Owners Association, their duties and voting rights.
The presence of an HOA will show up as an exception on your preliminary title report. Exceptions on the title report prove that there's some claim or limitation on property ownership. In the case of an HOA, the significance is that there are limitations to property use. Owners need to conform to the guidelines in the covenants, conditions and restrictions, which is sometimes loosely referred to as community rules.
When you order a set of HOA documents for review prior to purchase of property, especially newer property including condos and town homes, you could come to find that the HOA package is over an inch thick! The package will include all HOA documents of public records as well as minutes of meetings, financial studies, budgets and more.
Know that the financial stability of your HOA is important. In the event that cash reserves do not meet future obligations, there may be a special assessment levied on each home/unit. There are fee-based providers that will review HOA financial documents and provide an opinion of their stability.
HOA fees pay for upkeep, maintenance and amenities. Doesn't that seem easy? It is actually pretty complex. The HOA document package will outline the obligations of the HOA and the obligations of the homeowner. For the HOA to fulfill it's obligations it requires funding, and that is what HOA fees pay for. Various potential home buyers don't see the value in paying HOA dues. Yet, if people see that the fees are going to support the development and lifestyle amenities, it often makes sense. Building insurance alone is a huge expense for the association, as is a liability cost for insuring the common areas.
Establishing the amount of HOA fees is a fine balance, it needs to pay the current obligations and set aside reserve funds for repair and replacement expense. If the HOA is deferring maintenance items due to lack of funds or oversight, it can cost the homeowners much more in the long term due to increased repair expense. Failure to paint wood siding and seal it from moisture can cause decay. It's cheaper to keep it painted than it is to replace the siding!
Buyers, do your diligence on the HOA package. What do the fees cover? Do the items covered appear to be well maintained? If not, it may be a sign of deferred maintenance. Perhaps then look hard at the cash reserves and financial study in the HOA package. Deferred maintenance can be the precursor to a special assessment.
Thursday, July 14, 2011
Saving On Gas - Up To 30%
Saving On Gas - Up To 30%
by Takara Alexis
Fill up the tank early in the morning. The temperature of the ambience and the ground is cooler. All of the gas stations have their deposits underground. So, since the ground is cooler the gasoline density is lower. The contrary happens throughout the day, because the ground temperature increases, and the carburators tend to expand. Therefore because of this if you will up your tank in the afternoon or evening, the liter of gas will not exactly be one liter but less.
In the petroleum industry, the specific gravity and temperature of the floor play a very important role. When filling up your gas tank don't squeeze the nozzle so hard to the max. According to the strength that you put on the nozzle, the velocity of the stream can be slower, medium or fast. Always choose the slower mode and you'll save money.
If it comes out slower, there is less fumes, and the majority of the fueling is gas. All the hoses return the fumes to the tank. If you press the nozzle all the way a percentage of the gas will be gas and a percentage will be converted into vapors, therefore the amount of gas will not be exactly what you paid for.
Fill up your tank before its below the middle line. If there is more gas in the tank, less air there is in it. Therefore the evaporation will remain at its least. Don't fill your gas tank while the gas station tanks are being refilled and not immediately afterwards.
If you arrive at the gas station and you see that there are big trucks with big hoses going underground to fill up the tanks or they are leaving, try to stay away from fueling in this particular station if you can. When the deposit tanks are filled, the remaining gas from before will be lifted and you can run into putting dirty gas into your car.
It is really good for people to be knowledgeable of this, because the gas prices these days are over the roof, and they keep on rising. Therefore, if you share this with your friends, you will do them a big favor in maybe helping them save a few bucks.
by Takara Alexis
Fill up the tank early in the morning. The temperature of the ambience and the ground is cooler. All of the gas stations have their deposits underground. So, since the ground is cooler the gasoline density is lower. The contrary happens throughout the day, because the ground temperature increases, and the carburators tend to expand. Therefore because of this if you will up your tank in the afternoon or evening, the liter of gas will not exactly be one liter but less.
In the petroleum industry, the specific gravity and temperature of the floor play a very important role. When filling up your gas tank don't squeeze the nozzle so hard to the max. According to the strength that you put on the nozzle, the velocity of the stream can be slower, medium or fast. Always choose the slower mode and you'll save money.
If it comes out slower, there is less fumes, and the majority of the fueling is gas. All the hoses return the fumes to the tank. If you press the nozzle all the way a percentage of the gas will be gas and a percentage will be converted into vapors, therefore the amount of gas will not be exactly what you paid for.
Fill up your tank before its below the middle line. If there is more gas in the tank, less air there is in it. Therefore the evaporation will remain at its least. Don't fill your gas tank while the gas station tanks are being refilled and not immediately afterwards.
If you arrive at the gas station and you see that there are big trucks with big hoses going underground to fill up the tanks or they are leaving, try to stay away from fueling in this particular station if you can. When the deposit tanks are filled, the remaining gas from before will be lifted and you can run into putting dirty gas into your car.
It is really good for people to be knowledgeable of this, because the gas prices these days are over the roof, and they keep on rising. Therefore, if you share this with your friends, you will do them a big favor in maybe helping them save a few bucks.
Investment Banking- Managing Your Investment Portfolio
Investment Banking- Managing Your Investment Portfolio
by Takara Alexis
When you have a certain level of wealth, you really need a professional who understands your unique needs and offers customized advice accordingly. If you are also on the lookout for something similar, you may want to use some services offered in private banking.
Private banking is actually a combination of different high quality services. For instance, a private bank can offer investment advice. They make use of various methods to manage your investments and finances in a much better way. They often make use of discretionary management and sometimes help you with advisory mandates. Whatever the method, they usually offer regular reports to help you get information about the current value of your investment.
Today, financial markets fluctuate at a quick speed. It is due to this particular reason that you need to react to the situation right away, or else you will lose a lot. You can expect great success by making use of the services like discretionary asset management. Here, your personal relationship manager sits down with you and discusses your specific investment goals and expectations. While doing so, they always consider your investment horizon, risk tolerance, anticipated cash flows, and income needs. Once done, an investment strategy is created for you, which is often adjusted according to the ever-changing marketing conditions. Typically, the investors who opt for this type of service come with long term investment point-of-view and ask a banker to take care of their investment portfolio.
On the other hand, you can locate some people who prefer to make their choices on their own. For these clients, a private banker comes up with active advisory services. When you have fixed objectives, you can make use of private banking to get tailor-made answers. These advisory services are usually available for a variety of instruments, including bonds, equities, commodities, investment funds, foreign exchange, and structured products. Here, you are able to make your own investment decisions, but your banker provides you with all essential details and info. Since several private banks manage teams of professionals all over the world, they let you know when they think the time is right to buy, sell, or hold.
What sets a private banker apart from others is that they always keep your personal and professional situation in mind. This puts them on the best path to find the right strategy to help you manage your portfolio. Not only this, some of these institutions could actually help you with private financing, which is a lot better than mainstream finance options.
The fact of the matter is that private banking is something much more than traditional banking services. It's all about getting services that are mainly designed to keep your unique circumstances in mind. It does not matter if you have short-term investment goals or you need to manage your portfolio over a longer period of time, you can always get in touch with a private banker to find out more about the best strategies for yourself.
by Takara Alexis
When you have a certain level of wealth, you really need a professional who understands your unique needs and offers customized advice accordingly. If you are also on the lookout for something similar, you may want to use some services offered in private banking.
Private banking is actually a combination of different high quality services. For instance, a private bank can offer investment advice. They make use of various methods to manage your investments and finances in a much better way. They often make use of discretionary management and sometimes help you with advisory mandates. Whatever the method, they usually offer regular reports to help you get information about the current value of your investment.
Today, financial markets fluctuate at a quick speed. It is due to this particular reason that you need to react to the situation right away, or else you will lose a lot. You can expect great success by making use of the services like discretionary asset management. Here, your personal relationship manager sits down with you and discusses your specific investment goals and expectations. While doing so, they always consider your investment horizon, risk tolerance, anticipated cash flows, and income needs. Once done, an investment strategy is created for you, which is often adjusted according to the ever-changing marketing conditions. Typically, the investors who opt for this type of service come with long term investment point-of-view and ask a banker to take care of their investment portfolio.
On the other hand, you can locate some people who prefer to make their choices on their own. For these clients, a private banker comes up with active advisory services. When you have fixed objectives, you can make use of private banking to get tailor-made answers. These advisory services are usually available for a variety of instruments, including bonds, equities, commodities, investment funds, foreign exchange, and structured products. Here, you are able to make your own investment decisions, but your banker provides you with all essential details and info. Since several private banks manage teams of professionals all over the world, they let you know when they think the time is right to buy, sell, or hold.
What sets a private banker apart from others is that they always keep your personal and professional situation in mind. This puts them on the best path to find the right strategy to help you manage your portfolio. Not only this, some of these institutions could actually help you with private financing, which is a lot better than mainstream finance options.
The fact of the matter is that private banking is something much more than traditional banking services. It's all about getting services that are mainly designed to keep your unique circumstances in mind. It does not matter if you have short-term investment goals or you need to manage your portfolio over a longer period of time, you can always get in touch with a private banker to find out more about the best strategies for yourself.
Investing In International Equities
Investing In International Equities
by Takara Alexis
Investing is no longer bound to domestic markets and those investors seeking to take advantage of attractive opportunities have popularized global investing. In recent years, international investing has become both the norm and the necessity for a truly diversified portfolio that can help lower overall portfolio risk. An increasing number of individual and institutional investors have been increasing their global markets exposure to pursue their investment goals.
In the past several decades there has been a shift from investments in U.S. markets to foreign markets. In 1970, foreign markets represented 34% of the world's investment opportunities and by 2008 foreign markets represented 56% of the world's investment opportunities. It is estimated that by 2030, the U.S. market will only account for 25% of the world market and investments in global markets will increase substantially.
The two main driving factors that can explain the shift toward international investing are the investor's quest for diversification, reduced risk, and higher returns. Originally, when U.S. investors started opening up to foreign equities, it was mainly to increase diversification in their portfolios. Because international markets don't necessarily move in tandem with each other - some may go up while others go down - global diversification might potentially offset the effects of a downturn in the U.S. market.
The minor difference in returns can be attributed to many economic and market factors in countries around the world. But as a diversified bunch, the overall risk of any individual international market is lowered. For example, throughout the 1990s, the Japanese market experienced a market recession. Subsequently, Japanese stocks became heavily undervalued, leaving investors with attractive opportunities. Several years after, the Japanese market bounced back producing gains north of 60%.
One way to increase international exposure into your portfolio can involve simply a plain investment in an U.S. company that gets most of their revenue from foreign markets. In fact, most of the companies on the S & P 500 Index acquire most of their revenues from overseas operations.
Getting into the international markets space can be alarming for investors especially since they need to consider many factors that don't affect them such as the regulatory, political, and economic environments of those markets. Another way to invest internationally is to buy mutual funds or exchange-traded funds, which invest exclusively in foreign markets. Or consider a global fund which can have a mix of both foreign and U.S. stocks. These funds provide you with more diversification because they invest in an array of foreign equities.
Investing in foreign markets does carry its own set of risks. A foreign investment's return depends on the currency exchange values between say the U.S. dollar and the local currency of the foreign investment. For instance, for U.S. investors, currency exchange values could come about from a rise in the dollar's value against the foreign currency they are investing in. Nevertheless, investing for the long-term and diversifying with many international investments can help minimize currency exchange and other risks.
by Takara Alexis
Investing is no longer bound to domestic markets and those investors seeking to take advantage of attractive opportunities have popularized global investing. In recent years, international investing has become both the norm and the necessity for a truly diversified portfolio that can help lower overall portfolio risk. An increasing number of individual and institutional investors have been increasing their global markets exposure to pursue their investment goals.
In the past several decades there has been a shift from investments in U.S. markets to foreign markets. In 1970, foreign markets represented 34% of the world's investment opportunities and by 2008 foreign markets represented 56% of the world's investment opportunities. It is estimated that by 2030, the U.S. market will only account for 25% of the world market and investments in global markets will increase substantially.
The two main driving factors that can explain the shift toward international investing are the investor's quest for diversification, reduced risk, and higher returns. Originally, when U.S. investors started opening up to foreign equities, it was mainly to increase diversification in their portfolios. Because international markets don't necessarily move in tandem with each other - some may go up while others go down - global diversification might potentially offset the effects of a downturn in the U.S. market.
The minor difference in returns can be attributed to many economic and market factors in countries around the world. But as a diversified bunch, the overall risk of any individual international market is lowered. For example, throughout the 1990s, the Japanese market experienced a market recession. Subsequently, Japanese stocks became heavily undervalued, leaving investors with attractive opportunities. Several years after, the Japanese market bounced back producing gains north of 60%.
One way to increase international exposure into your portfolio can involve simply a plain investment in an U.S. company that gets most of their revenue from foreign markets. In fact, most of the companies on the S & P 500 Index acquire most of their revenues from overseas operations.
Getting into the international markets space can be alarming for investors especially since they need to consider many factors that don't affect them such as the regulatory, political, and economic environments of those markets. Another way to invest internationally is to buy mutual funds or exchange-traded funds, which invest exclusively in foreign markets. Or consider a global fund which can have a mix of both foreign and U.S. stocks. These funds provide you with more diversification because they invest in an array of foreign equities.
Investing in foreign markets does carry its own set of risks. A foreign investment's return depends on the currency exchange values between say the U.S. dollar and the local currency of the foreign investment. For instance, for U.S. investors, currency exchange values could come about from a rise in the dollar's value against the foreign currency they are investing in. Nevertheless, investing for the long-term and diversifying with many international investments can help minimize currency exchange and other risks.
Thursday, July 7, 2011
Is Shopping Adding To Your Debt?
Is Shopping Adding To Your Debt?
by Takara Alexis
Many Americans enjoy shopping as a pastime. Some proof of this is found in the fact that the average household in America carries a balance of $15,000 on their credit card. Does looking for the next unbeatable discount/deal establish happiness in your life?
If you depend on shopping to bring you pleasure, you could very well be a compulsive spender and might be at risk of creating overwhelming debt.
Marketers strive to convince consumers that they need their items. They target our desires for success, beauty and emotions to cause us to spend. A compulsive shopper is easy pickings for these experts to prey on. They take full advantage of these peoples compulsion to cover negative emotions when it comes to shopping.
While it is helpful to recognize what triggers the compulsive shopping, it is not necessarily needed to know that you are indeed a compulsive shopper. A few signs that will help identify a person, as being a compulsive shopper, is a large number of unnecessary purchases made and spending a lengthy amount of time shopping. If you have these two factors going for you, it is highly possible that you could get into out of control spending.
Another issue compulsive shoppers will eventually need to address, is the social connection to the spending. If this is a form of entertainment you share with friends, you will need to find new ways of enjoying each other's company. If you take the time to look, you'll find tons of options; parks, coffee houses, exercising, lunch, etc.
The potential of damaging credit rating is one of most crucial reasons to make sure spending is under control. Compulsive shoppers tend to be more focused on seeking the next great deal over focusing on the extent of the debt they are building. To refrain from destroying credit, we have to learn to responsibly manage our spending habits.
Rapid Recovery Solution is an attorney based debt collections agency that doesn't get paid unless you collect! For credit collection services or information on collecting commercial or consumer debts, contact RRS today!
by Takara Alexis
Many Americans enjoy shopping as a pastime. Some proof of this is found in the fact that the average household in America carries a balance of $15,000 on their credit card. Does looking for the next unbeatable discount/deal establish happiness in your life?
If you depend on shopping to bring you pleasure, you could very well be a compulsive spender and might be at risk of creating overwhelming debt.
Marketers strive to convince consumers that they need their items. They target our desires for success, beauty and emotions to cause us to spend. A compulsive shopper is easy pickings for these experts to prey on. They take full advantage of these peoples compulsion to cover negative emotions when it comes to shopping.
While it is helpful to recognize what triggers the compulsive shopping, it is not necessarily needed to know that you are indeed a compulsive shopper. A few signs that will help identify a person, as being a compulsive shopper, is a large number of unnecessary purchases made and spending a lengthy amount of time shopping. If you have these two factors going for you, it is highly possible that you could get into out of control spending.
Another issue compulsive shoppers will eventually need to address, is the social connection to the spending. If this is a form of entertainment you share with friends, you will need to find new ways of enjoying each other's company. If you take the time to look, you'll find tons of options; parks, coffee houses, exercising, lunch, etc.
The potential of damaging credit rating is one of most crucial reasons to make sure spending is under control. Compulsive shoppers tend to be more focused on seeking the next great deal over focusing on the extent of the debt they are building. To refrain from destroying credit, we have to learn to responsibly manage our spending habits.
Rapid Recovery Solution is an attorney based debt collections agency that doesn't get paid unless you collect! For credit collection services or information on collecting commercial or consumer debts, contact RRS today!
Money Attraction
Money Attraction
by Takara Alexis
The most common desire seen in people that want to learn more about how to use the Law of Attraction, is that they want to attract more money into their lives.
The tighter you are with your money, the more likely it is that you are going to attract more reasons to be tight with the cash. Ever notice how when you are tight on your money, unexpected bills and expenses always seem to find a way to show up in the mailbox? Well, you attract what you think about most of the time, and when you are thinking about having to be tight with money, then you are more than likely also thinking about the bills.
Manifesting money requires a paradigm shift in the way that you associate feelings and money. If thinking about the bills all of the time makes you feel down and depressed, then you are also giving a subconscious signal that money is the reason for this. A part of you will probably begin to look at money as being the "root of all evil," so to speak, and you will start to attract bad financial conditions.
You should look at money for what it really is. A means of getting the things that you really want. The vacation that you dream about, the house that you want to own, and the car that you would like to drive.
Show appreciation when even small amounts of money seem to show up in your life. The snowball effect of this can be pretty wonderful at times. If you are truly grateful when you somehow find an extra few dollars show up in your life, the world seems to find a way to make more of it show up.
Of course, this is not magic, you're going to have to have reasons for the money showing up. But, when you are grateful for even small amounts, it tells the world that you are READY for more. It might take a while for it to show up, but when it does, it will be well worth it, wouldn't you say?
For the best debt collection quotes for FREE contact Rapid Recovery Solution! There is zero upfront fees and they are one of the highest ranked collection agencies out there, serving clients worldwide!
by Takara Alexis
The most common desire seen in people that want to learn more about how to use the Law of Attraction, is that they want to attract more money into their lives.
The tighter you are with your money, the more likely it is that you are going to attract more reasons to be tight with the cash. Ever notice how when you are tight on your money, unexpected bills and expenses always seem to find a way to show up in the mailbox? Well, you attract what you think about most of the time, and when you are thinking about having to be tight with money, then you are more than likely also thinking about the bills.
Manifesting money requires a paradigm shift in the way that you associate feelings and money. If thinking about the bills all of the time makes you feel down and depressed, then you are also giving a subconscious signal that money is the reason for this. A part of you will probably begin to look at money as being the "root of all evil," so to speak, and you will start to attract bad financial conditions.
You should look at money for what it really is. A means of getting the things that you really want. The vacation that you dream about, the house that you want to own, and the car that you would like to drive.
Show appreciation when even small amounts of money seem to show up in your life. The snowball effect of this can be pretty wonderful at times. If you are truly grateful when you somehow find an extra few dollars show up in your life, the world seems to find a way to make more of it show up.
Of course, this is not magic, you're going to have to have reasons for the money showing up. But, when you are grateful for even small amounts, it tells the world that you are READY for more. It might take a while for it to show up, but when it does, it will be well worth it, wouldn't you say?
For the best debt collection quotes for FREE contact Rapid Recovery Solution! There is zero upfront fees and they are one of the highest ranked collection agencies out there, serving clients worldwide!
Wednesday, July 6, 2011
Employee Stock Options
Employee Stock Options
by Takara Alexis
In the start-up fad of the dot-com era, a lot of cash-challenged companies offered employees a piece of the future instead of current payroll or cash bonuses. That piece of the virtual profit pie - a stock option - had long been a method of compensation or bonuses for high-place executives.
Stock options might be one of the sole survivors of the dot-com crash. According to the National Center for Employee Ownership, 10 million American employees now have stock options, compared to just 1 million in 1992. An estimated 20-25% of public companies offer options to the majority of their full- time employees, and a few offer them to part-timers as well.
A stock option grants an employee the right to buy a specific number of shares in the company at a fixed price (also called the grant price) for a specific number of years. If and when the share price increases, the employee can exercise (or purchase) the stock at the lower fixed price, then sell it at the current market price, realizing a gain.
Stock options could be nonqualified (meaning it does not receive special tax treatment under the IRS code) or incentive (which do qualify for special treatment). When you exercise nonqualified stock options and then sell them, the gain is taxable as ordinary income. The issuer, which gets a tax deduction for the same total, can issue as many nonqualified stock options as it wants to employees, officers, directors, consultants and vendors.
Incentive stock options can be issued only to employees and typically must be exercised within three months of leaving the company. The grant value of incentive stock options issued in a year cannot exceed $100,000. If you wait two years to exercise the options and then hold the purchased stock for at least one year, you receive favorable treatment for long-term capital gains tax on all the appreciation over the exercise price. Exercise of incentive stock options and sales of the stock may have alternative minimum tax implications.
Because realized gains from stock options and the valuation of unexercised options that have had unrealized gains can be complex, you should seek the help of a tax consultant, particularly regarding incentive stock options, which can trigger the alternative minimum tax. Calculating tax impact also can provide guidance on when to exercise options, as taxes may take a considerable cut from your profits. Staggering exercises and sales over a period of time can spread the tax burden over several years.
Your financial goals for proceeds from stock options, the amount of time remaining to exercise them, your portfolio's concentration in your employer's stock and tax issues all come into play in determining the best time to exercise options. A financial professional can help you calculate these factors to take some of the mystery and emotion out of exercising stock options.
by Takara Alexis
In the start-up fad of the dot-com era, a lot of cash-challenged companies offered employees a piece of the future instead of current payroll or cash bonuses. That piece of the virtual profit pie - a stock option - had long been a method of compensation or bonuses for high-place executives.
Stock options might be one of the sole survivors of the dot-com crash. According to the National Center for Employee Ownership, 10 million American employees now have stock options, compared to just 1 million in 1992. An estimated 20-25% of public companies offer options to the majority of their full- time employees, and a few offer them to part-timers as well.
A stock option grants an employee the right to buy a specific number of shares in the company at a fixed price (also called the grant price) for a specific number of years. If and when the share price increases, the employee can exercise (or purchase) the stock at the lower fixed price, then sell it at the current market price, realizing a gain.
Stock options could be nonqualified (meaning it does not receive special tax treatment under the IRS code) or incentive (which do qualify for special treatment). When you exercise nonqualified stock options and then sell them, the gain is taxable as ordinary income. The issuer, which gets a tax deduction for the same total, can issue as many nonqualified stock options as it wants to employees, officers, directors, consultants and vendors.
Incentive stock options can be issued only to employees and typically must be exercised within three months of leaving the company. The grant value of incentive stock options issued in a year cannot exceed $100,000. If you wait two years to exercise the options and then hold the purchased stock for at least one year, you receive favorable treatment for long-term capital gains tax on all the appreciation over the exercise price. Exercise of incentive stock options and sales of the stock may have alternative minimum tax implications.
Because realized gains from stock options and the valuation of unexercised options that have had unrealized gains can be complex, you should seek the help of a tax consultant, particularly regarding incentive stock options, which can trigger the alternative minimum tax. Calculating tax impact also can provide guidance on when to exercise options, as taxes may take a considerable cut from your profits. Staggering exercises and sales over a period of time can spread the tax burden over several years.
Your financial goals for proceeds from stock options, the amount of time remaining to exercise them, your portfolio's concentration in your employer's stock and tax issues all come into play in determining the best time to exercise options. A financial professional can help you calculate these factors to take some of the mystery and emotion out of exercising stock options.
Travel Insurance
Travel Insurance
by Takara Alexis
Most often travel insurance could be purchased when booking a trip with your travel agent or by buying travel insurance online. This insurance protection can give you some peace of mind when planning a big vacation, international trip, or a cruise. And with geo-political issues soaring to new heights, travel insurance has become a more viable option than ever. It is necessary to understand, however, that of the large number of travel insurance companies.
There are various types of travel insurance; some may be more suitable for you than others. It's important to decide on your needs when seeking coverage. Travel insurance, such as trip cancellation insurance, evacuation insurance, and medical coverage can protect your travel investment and ensure that you and your family obtain proper medical care in case of emergency.
Some common problems covered by travel insurance are, trip cancellation, delayed departure, lost luggage, theft or damaged items, emergency evacuation, medical expenses, accidental death and injury or disablement.
The most common utilized form of travel insurance, trip cancellation and interruption insurance, permits you to cancel your trip in the case of unforeseen circumstances such as illness or delays and cancellations. If you have to leave a trip early or cancel a trip, the travel insurance will reimburse you for any non-refundable deposits. This can prove invaluable if a parent has an emergency, for example, and you need to get home.
The chances of needing cancellation insurance drastically goes up when booking early. The further in advance you're buying the more likely you will need the coverage. A lot can go wrong over time; cruise liners go under, airlines go bankrupt, plans change, cancellations happen, and so on. Trip cancellation insurance is typically recommended when booking well in advance.
All travel insurers aren't created equal. It is very important to look at the policy details. Many insurers will not cover pre-existing health conditions. Additional travel health insurance may be necessary when traveling to high-risk countries or participation in high-risk sports, such as skydiving.
You can expect to pay anywhere from 5-10% of your trip's cost, for the more comprehensive travel insurance plans. Your age may play a roll in travel insurance costs, so if you are in your golden years, expect to pay a premium. This coverage can be purchased through your travel agent when booking your trip or you can get an online travel insurance quote. Buying travel insurance online can save you some money, but don't go with cheap travel insurance. It's important to go with a reputable company and make sure you read the fine print.
by Takara Alexis
Most often travel insurance could be purchased when booking a trip with your travel agent or by buying travel insurance online. This insurance protection can give you some peace of mind when planning a big vacation, international trip, or a cruise. And with geo-political issues soaring to new heights, travel insurance has become a more viable option than ever. It is necessary to understand, however, that of the large number of travel insurance companies.
There are various types of travel insurance; some may be more suitable for you than others. It's important to decide on your needs when seeking coverage. Travel insurance, such as trip cancellation insurance, evacuation insurance, and medical coverage can protect your travel investment and ensure that you and your family obtain proper medical care in case of emergency.
Some common problems covered by travel insurance are, trip cancellation, delayed departure, lost luggage, theft or damaged items, emergency evacuation, medical expenses, accidental death and injury or disablement.
The most common utilized form of travel insurance, trip cancellation and interruption insurance, permits you to cancel your trip in the case of unforeseen circumstances such as illness or delays and cancellations. If you have to leave a trip early or cancel a trip, the travel insurance will reimburse you for any non-refundable deposits. This can prove invaluable if a parent has an emergency, for example, and you need to get home.
The chances of needing cancellation insurance drastically goes up when booking early. The further in advance you're buying the more likely you will need the coverage. A lot can go wrong over time; cruise liners go under, airlines go bankrupt, plans change, cancellations happen, and so on. Trip cancellation insurance is typically recommended when booking well in advance.
All travel insurers aren't created equal. It is very important to look at the policy details. Many insurers will not cover pre-existing health conditions. Additional travel health insurance may be necessary when traveling to high-risk countries or participation in high-risk sports, such as skydiving.
You can expect to pay anywhere from 5-10% of your trip's cost, for the more comprehensive travel insurance plans. Your age may play a roll in travel insurance costs, so if you are in your golden years, expect to pay a premium. This coverage can be purchased through your travel agent when booking your trip or you can get an online travel insurance quote. Buying travel insurance online can save you some money, but don't go with cheap travel insurance. It's important to go with a reputable company and make sure you read the fine print.
Friday, July 1, 2011
Tenants In Common
Tenants In Common
by Takara Alexis
When it comes to property with title, there are different ways you can own title. The type of title ownership you get with property or securities will influence legal ownership of the property as well as how the property is transferred after a title owner passes away. Tenancy in common is one of the types of ownership that could be appropriate when the title owners have not equally contributed to the obtaining the property.
Tenants in common is one of the many ways you could own property with two or more individuals. There's no limit to the number of people who can hold title. It can be two people or it can be 50 people, or even more.
Parties don't have to be related to hold a tenancy in common title. Family members can be tenants in common. So can friends and business partners.
Unlike joint ownership, the owners don't need to have equal shares of property. For example, if there are two tenants in common, the tenants don't necessarily have to have 50-50 ownership of the property. Likewise, four owners don't have to each own 25% of the property. Ownership can be split up however the parties decide. For example, if there are four owners, Brad could own 15%, Chris own 20%, Beth own 30%, and Kelly own 35%.
Each co-tenant has the right to access the property, regardless of the distribution of ownership. One party can live in the property alone or the parties can share the property, depending what the parties decide. None of the parties have the right to leave out any of the other parties. An excluded co-tenant may be able to obtain monetary compensation for the amount of time they were denied access.
If the property generates income, each co-tenant is entitled to a share of the income based on their share of the title. For example, in a 25-75 split ownership, one co-tenant would receive 25% of the property's income while the other would receive 75%.
Co-tenants are also responsible for paying the amount of the property including mortgage and property taxes. As with receiving income, co-tenants pay their share of costs based on their share of the title.
In their will, the co-tenants should designate someone to take ownership of their share of the property. When a co-tenant passes away, their half of the property rights would pass on to the person named in the will. All co-tenants continue to maintain rights to the property as named in the title, except the co-tenant named in the will. That living partner would assume ownership of the deceased co-tenants interest in addition to what they already own.
You can dissolve a tenancy in common title ownership agreement by buying out the co-tenants. The tenants would agree to give up their share of the property for a sum of cash. You could also sell the property and split the proceeds among the co-tenants according to their share of the title.
If the co-tenants don't agree to sell the property, one of them can request a court order to sell the property and distribute the proceeds. This is known as a partition action and usually happens when one of the co-tenants passes away and the surviving co-tenants do not agree to the future of the property. One co-tenant may want to sell the property while the other co-tenants want to keep it. The court will generally grant a partition request unless the co-tenants have previously agreed to waive that right.
Rapid Recovery Solution is an attorney based collection agency that collects commercial and consumer debt. RRS has ZERO upfront fees and offers FREE quotes! If you need to collect debt or have any questions, Rapid Recovery Solution can answer them for you! Contact them TODAY!
by Takara Alexis
When it comes to property with title, there are different ways you can own title. The type of title ownership you get with property or securities will influence legal ownership of the property as well as how the property is transferred after a title owner passes away. Tenancy in common is one of the types of ownership that could be appropriate when the title owners have not equally contributed to the obtaining the property.
Tenants in common is one of the many ways you could own property with two or more individuals. There's no limit to the number of people who can hold title. It can be two people or it can be 50 people, or even more.
Parties don't have to be related to hold a tenancy in common title. Family members can be tenants in common. So can friends and business partners.
Unlike joint ownership, the owners don't need to have equal shares of property. For example, if there are two tenants in common, the tenants don't necessarily have to have 50-50 ownership of the property. Likewise, four owners don't have to each own 25% of the property. Ownership can be split up however the parties decide. For example, if there are four owners, Brad could own 15%, Chris own 20%, Beth own 30%, and Kelly own 35%.
Each co-tenant has the right to access the property, regardless of the distribution of ownership. One party can live in the property alone or the parties can share the property, depending what the parties decide. None of the parties have the right to leave out any of the other parties. An excluded co-tenant may be able to obtain monetary compensation for the amount of time they were denied access.
If the property generates income, each co-tenant is entitled to a share of the income based on their share of the title. For example, in a 25-75 split ownership, one co-tenant would receive 25% of the property's income while the other would receive 75%.
Co-tenants are also responsible for paying the amount of the property including mortgage and property taxes. As with receiving income, co-tenants pay their share of costs based on their share of the title.
In their will, the co-tenants should designate someone to take ownership of their share of the property. When a co-tenant passes away, their half of the property rights would pass on to the person named in the will. All co-tenants continue to maintain rights to the property as named in the title, except the co-tenant named in the will. That living partner would assume ownership of the deceased co-tenants interest in addition to what they already own.
You can dissolve a tenancy in common title ownership agreement by buying out the co-tenants. The tenants would agree to give up their share of the property for a sum of cash. You could also sell the property and split the proceeds among the co-tenants according to their share of the title.
If the co-tenants don't agree to sell the property, one of them can request a court order to sell the property and distribute the proceeds. This is known as a partition action and usually happens when one of the co-tenants passes away and the surviving co-tenants do not agree to the future of the property. One co-tenant may want to sell the property while the other co-tenants want to keep it. The court will generally grant a partition request unless the co-tenants have previously agreed to waive that right.
Rapid Recovery Solution is an attorney based collection agency that collects commercial and consumer debt. RRS has ZERO upfront fees and offers FREE quotes! If you need to collect debt or have any questions, Rapid Recovery Solution can answer them for you! Contact them TODAY!
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