Credit Suisse Gold Bars – The Safe Way to Protect Your Earnings Against the Coming Rush of Inflation

The US government has spent more money in the 1st 100 days of the Obama administration than in the previous 8 years combined, which were hardly a  model of fiscal responsibility. The government printing presses are running non stop to print the money to support this massive glut of deficit spending.  The only possible result is a huge rush of inflation & it is probably going to happen in the very near future.  How can you possibly protect your hard earned money from this coming erosion of wealth?

Gold has historically been the “safe haven” for wealth.  For thousands of years it has protected its owners from the wealth consuming effects of irresponsible monetary policy & today is no different.  Owning PHYSICAL gold will provide you a huge hedge against the coming inflation & every family should own some.  Throughout history when inflation has brought the value of currency down, the value of gold has gone up.  Use this monetary law to your advantage.

Credit Suisse Gold Bars are a safe & popular way to invest in physical gold & they can provide you with inflationary protection as well as beauty.  They are cast from 99.99% pure gold & are fully backed & guaranteed by the renowned Credit Suisse Bank Of Switzerland.  They come in a variety of weights & designs from as little as 1 gram & are thus affordable at nearly every level of income.

As a result of the huge demand for gold in these turbulent economic times, many traditional outlets for these gold bars have sold out, & those that are left can carries huge premiums over spot price.  There is a small secondary market for these bars on eBay, & this may be the best way to find them at this time.  Buying as little as 1 gram a month when you can afford it is a start & you you can accumulate quite a cache of pure gold over time in this manner.

Do not allow irresponsible government fiscal policy to wipe out any more of your hard earned money! As the coming rush of inflation drives prices sky high, the value of the dollar will continue to drop. It will also drive the cost of stocks down. Gold is always held in high regard & its value goes up as the value of the dollar goes down. For many centuries shrewd investors have protected their money from inflation by holding it in physical gold. You can do so as well. Invest a part of your earnings in Credit Suisse Gold Bars, & rest assured knowing that you are hedged against our government’s irresponsible monetary policies.

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Home Based Business Resources

Home business owners rely on many internet-based resources to get information that will increase the annual revenues of the home based business dramatically. Some of this information is located at the local library but small business owners typically will not have the time to spend researching these resources. In lieu of hiring somebody to do the research, home business owners must assume those additional duties in an effort to save money.

The internet was designed for information gathering purposes, and small business owners that earn their living from home rely on the simplicity of internet search engines to get the information they need less expensively. The home based business concept might have come from information offered about franchises. The franchise business opportunities can be printed at home and studied anywhere. These proven business formations cut the business planning steps in half because each one operates on an identical business concept.

The Federal government might qualify small-sized home-based businesses for several government grants at one time. The various types of government grants that are listed will cover awards of small money amounts, but the cumulative amounts of all loans awarded will give a small business owner building a business from home the financial capital they need to get their business started. The home based business resources for government grants could come directly from links on a government grant website or through local offices of the Federal Government and the internet will provide links to all of those offices.

Other home based business grant resources might put self-employed business grants at the top of the list. Minority owned businesses will qualify for other government grants. Women owned businesses will qualify for certain grants and reap the benefits of several tax incentives when business taxes are filed. Some home based business resources will provide grants from entrepreneurs who have tested and proven a business concept and are willing to finance an extension of that concept, but only if the business concept is operated from a home based business platform and not resold to corporate managers who might change the original concept.

Home based business resources will provide business owners with the tools they need to set up a home based business such as selecting a business name and the steps necessary to obtain a employer tax identification number. Every home based business owner will be curious about the licenses and permits that are needed to operate a business out of their home. The home based business resources will provide that information and the resources will give business owners planners to use to develop a home based business strategy.

Home based business owners will use the business resource information to make the final decision on whether to open a business or to forego the venture for another year. If government grants are not forthcoming, some home based business owners might need time to raise operating capital on their own and use the information to find other avenues for growing income, even if the method is slow. Home budgets might have to be tailored down to allow savings for business use to occur. There are many avenues that must be explored before opening a business, and if owners act brashly, the business could be a failure because the owner did not plan properly.

James Brown writes about Private Label Rights Tips discount codes, DLGuard discount codes and Trade Your Way To Freedom discount codes

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Bad Credit Credit Cards – What They Can Do For You

Many of us have been there and if you ask how it happened, some people don’t know. We said yes to a purchase when we should have said no. We broke every rule that our parents taught us including the golden financial rule: Don’t spend it if you don’t have it. Fortunately, even if our credit is in shambles, there are ways to help us rebuild it.

You may be somebody who knows how to manage money. You have never made an impulse purchase and the idea of buying something not on sale is foreign to you. You had a savings account and your financial health was strong but then something happened in your life that was unexpected. Your savings was wiped out and now you find yourself in financial trouble.

While repairing your damaged score with a new credit card seems odd, these offers do have some tools to help you. First, all of they will report your positive payment history to the three major reporting agencies. Next, many offer educational articles, podcasts, and seminars to teach you how to better manage your finances.

These cards come in numerous varieties. Some are secured, which means that the money contained in a savings account that you set up is your available balance. Others are unsecured which is the traditional method where money is extended to you on the promise you will make payments.

There are some drawbacks, often the interest rate and fees are quite high. It’s not uncommon to pay more than $ 250 in fees just to apply and be approved. The limit is low. Most cards start at $ 500 or less and once the application fees are subtracted, you may only have slightly over $ 250 to left to use.

There are some that truly help those who are trying to rebuild. By offering a reduced APR, less fees, and a liberal payment policy, these can even further help those trying to dig out of financial hardship.

To find the right one for you, do some comparison shopping. Depending on your situation a prepaid offer may be the way to go, some now report to major bureaus.

For more about Bad Credit Credit Cards or for a review of the unsecured Imagine MasterCard visit us.

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Unsecured Dss Loans: Hassle Free Approval Of Easy Finance

When you are counting upon DSS benefits, in order to fulfill your basic needs and demands, then your financial condition can be very well understood. The state of affairs must be in a dismal state, as you are not in a position to fulfill your financial obligations. Besides, availing external financial assistance seems to be a bit exaggerated, as you may find it a bit tough. While it may be confusing, as to what you will do in times of crisis, you can apparently go for unsecured DSS loans, which in fact has been designed to serve individuals like you.

These loans are very much easy to source and going by its name, you will not be required to involve any precious asset as collateral. The loans are designed primarily to assist applicants who are on DSS benefits for the past few months. Since there is no need of involving collateral, the processing of the loans is fast and this results in its quick and hassle free approval.

Moreover, those applicants having problems related to CCJs, IVA, arrears and defaults too can avail the services of dss loans. Further, the loan amount sanctioned can be put to use to meet expenses on needs such as clearing small debts, going for a vacation, wedding, educational purposes, renovation of home and so forth.

But, even before availing the loans, it is mandatory for the applicants to fulfill some of the preconditions. In this context:-

Applicant should be having a valid and active bank account
The bank account should have a minimum deposit of 500
Age attained should be more than 18 years
Should be on DSS benefit for the past 6 months

It would be appropriate for the applicants to use the online medium, so as to derive the funds with no hassles. Once the application form is submitted, which does not take much time, the approval comes without any further delay and that too against viable terms.

With unsecured DSS loans by your side, temporary financial hassles are a thing of the past now.

Robert Austen is the author of this article. He works successfully as a financial shrink with person of ability on DSS loans. To find cash loans, unsecured dss loans, emergency loans, loans for DSS, loans for people on benefits, payday loans visit

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Accounts Receivable Collection Software

One of many important elements in order to building a successful customers are having the capacity to keep track of your own company accounts receivable, or perhaps simply how much these potential customers owe you. This really is most frequently attained by means of utilizing accounts receivable selection computer software (ARCS). With a lot of accounting software solutions, checking your consumers’ obligations and also excellent expenses is built to the overall plan, and then this exact same plan at times also tracks your own inventory movements, your buys and purchases. Whenever choosing that ARCS suits your own purpose, there are several things that you should think about. One of the primary circumstances to take note within the ARCS you’re looking at is how easy and simple this system is to apply, and the way easy it is to inform instantly which usually consumer owes you cash and whether or not a good account is delinquent. Additional crucial characteristics required in company accounts receivable selection software program contain having the ability to apply component or even advance payments to be able to bills along with the power to produce bills and also customer assertions for the customers.

There are a number associated with accounts that require to get produced from the ARCS, for instance, an older report on all receivables that displays the length of time overdue any repayment is and just whenever it was due. Its also wise to be capable of monitor your customers’ transaction background and realize quickly the amount of money will be due on the particular day together with your ARCS. Being gone to customize your reviews and accounts is yet another essential characteristic that produces your whole balances receivable choices easier to use, normally there is certainly personalization needed, for example, incorporating a business logo design, or information certain for your business to your bills or even invoices. So, ensure you possess these kinds of choices whenever choosing which ARCS to purchase.

There’s varied company accounts receivable selection software accessible, equally free software application as well as computer software you could purchase. A lot of the well-known software may match your entire accounting requirements within the one system, for example MYOB Accounting, Quick publications and also Peachtree Accounting for starters.

Learn Accounting Fast Accounting Courses Become An Accountant Sage Training Courses

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Bankruptcy Lawyer Warren Michigan

How to Choose a Bankruptcy Lawyer in Michigan

Preparing to file for bankruptcy is a complicated process. It has the potential to be very confusing, frustrating and expensive. Make a misstep anywhere and you could be putting yourself right back into a financially devastating situation. You need a professional on your side to help you understand what’s going on, and assist you in making informed decisions. For these reasons and many others, it’s important to know how to choose a bankruptcy lawyer.

The first step in finding a bankruptcy attorney is contacting your local bar association for recommendations. Bankruptcy is its own unique branch of the law field, with complex laws and regulations. Most lawyers simply don’t have the expertise to handle bankruptcy cases. They might not be aware of legal precedents or other features that can help your case, so you’d be doing yourself a disservice by going with a non-specialized lawyer.

Your local bar association will be able to direct you to a bankruptcy lawyer or firm in your area with the necessary credentials and experience to handle your case. You can also find a bankruptcy lawyer online or through other means, and simply check the bar association to make sure their certifications are up to date.

Once you’ve spoken with the bar association, start going down their list of lawyers. Call their offices to set up interviews or phone consultations, and arm yourself with a list of questions. There are quite a few questions you should ask when consulting with your potential bankruptcy lawyer, such as:

* What are your fees?
* How much will the entire process cost?
* What certifications do you have?
* How long will the process take?
* How many bankruptcy cases have you handled?
* Will I be dealing directly with you?
* What should I expect during the process?

Though it’s important to put some effort into choosing your bankruptcy lawyer, it’s also important to choose quickly. Don’t waste time and risk missing crucial dates by worrying about finding the perfect candidate.

Rather than interviewing a dozen different lawyers, it’s usually best to make a list of 3 or 4 recommended candidates. Choose whichever bankruptcy lawyer makes things easy for you to understand, helps you feel comfortable and has the necessary training to handle your case efficiently. The sooner you find the right bankruptcy lawyer, the sooner your life will be back on track.

Chris Aiello has 22 years experience in helping people file bankruptcy and getting back on track. He is the man who fights for you so you don’t have to go it alone against professional creditors and banks. He is currently offering new clients 0 for learning how he can help them. Learn more by visiting his website:

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Jn0-522 Exam Resources

JN0-522 Exam
Juniper Networks Certified Internet Associate, FWV (JNCIA-FWV)
Exam Number/Code : JN0-522
Exam Name : Juniper Networks Certified Internet Associate, FWV (JNCIA-FWV)
Questions and Answers : 266 Q&As
Update Time: 2010-03-20
Price:$ 78.00

Do you want to pass your Juniper Networks exams on your first try! Do you want a 100% Money Back Guarantee on your purchase of Juniper Networks training products? Do you want to practice your Juniper Networks exams online? Then you just hit a jackpot! We provide nothing but leading edge Juniper Networks exam resources covering all types of Juniper Networks exam questions, and providing all correct answers. With our complete Juniper Networks certification resources , you will minimize your Juniper Networks certification cost and be ready to pass your Juniper Networks certification tests on Your First Try, 100% Money Back Guarantee included!

Exam4test is the leader in supplying certification candidates with current and up-to-date training materials for Juniper Networks Certification and Exam preparation. Exam4test Juniper Networks JN0-522 exam resources are constantly being revised and updated for relevance and accuracy. We 100% guarantee the materials with quality and reliability which will help you pass any Juniper Networks certification exam.

In order to come up with the best set of JN0-522 braindumps possible. The products of Exam4test have been prepared in collaboration with industry experts who have years of experience in Juniper Networks networking. They make sure that no question is missed from the set. Preparing with these JN0-522 Questions and Answers alone will prepare you for the worst exam questions possible. The preparation is of higher quality since essentially the entire time has been consumed in studying. No other deal offers you that many opportunities to study, but Exam4test does. Exam4test in fact promises you success in your maiden attempt.

Related exams:
N10-004 CompTIA Network+ (2009 Edition)
NS0-153 Network Appliance Storege Networking
NS0-163 Network Appliance Data Protection Solutions
NS0-501  Network Appliance Implementation Engineer-SAN
OG0-081   TOGAF 8 Certification for Practitioners

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Watch Out For Thief of Information

IPhone Cameras To Soon Scan & Save Credit Card Information Apple announced a slew of features with iOS 8, but more are being discovered as developers go thro…

“My iPhone has been lost” It is a pity that some of you might have to say this and experienced the upset feeling when losing your mobile phone. Even in a worse case, all of your important information has been lost such as contacts, calendar, and email items. Perhaps those items of information are now in the hands of a thief! However there is still another tool which can store your credit card information or passports for websites is Outlook contacts.


If your office e-mail system is controlled with Microsoft Exchange then you’re in luck. Starting with Microsoft Exchange 2007, there’s a “wipe” feature that allows you or your network administrator to remotely clear all of the information from your lost or stolen cell phone. If you want to perform a device “wipe,” login to your Outlook Web Access (OWA) webmail. If you don’t know the Internet address, you can get it from your network administrator. When you are in your e-mail box, click on ‘options’ and you’ll see a ‘devices’ link. Choose your handheld device and then click “wipe”. Be sure you choose the device that was lost or stolen as once you click the wipe button the process starts and cannot be stopped. The next time your lost phone attaches to the Internet, it immediately starts factory defaulting and your data is cleared from the device!


Also, if you’re using a Microsoft Exchange server, then re-populating your contacts, calendar and e-mail is easy. Simply get your new phone, enter your e-mail server information and “poof”… all of your information is restored back to your device, without plugging it into your computer! The mobile synchronize feature is instantaneous and extremely easy to use.


If you or your company don’t use Microsoft Exchange for your e-mail messaging, then you’re missing out on some GREAT features that not only keeps your data secure, but keeps your email communication at peak efficiency.


There are hosted services such as Veddio that offer both business ( ) and personal Exchange ( ) accounts so you or your company don’t need to buy any special software or server equipment.

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Lending Your Ear to Hearing Care and Hearing Problems

Hearing entitled “Legislative Proposals to Improve Transparency and Accountability at the CFPB” Wednesday, May 21, 2014 2:00 PM in 2128 Rayburn HOB Financial…
Video Rating: 5 / 5

It is more often essential to be well-informed, especially on matters concerning your health and well-being. The state of your health and wellness actually plays a major role in your living a worthwhile and more fulfilling life. One particular aspect of health which you ought to be mindful of is hearing. You may have neglected this faculty of yours, but have you ever imagined how it’s like to lose it. At the earliest sign of problems or irregularities, it’s best that you begin to take measures. If you happen to have hearing problems or difficulties, an initial step is to talk about it.

A visit to your doctor for more information and advice is significant. Some hearing problems are treatable. If it so happens that your issue falls within this scope, earlier detection brings more favorable results. For hearing problems which happen to be permanent on the other hand, discussing on its effects to your daily life and activities can prove to be enlightening. Coping measures can then be elaborated on and employed appropriately. As we age, our hearing faculty begins to deteriorate. Hearing problems often begin to occur as we grow older. Usually, though, these problems take place gradually. We could consequently learn to accommodate its effects such as by learning to be keen on lip reading or facial expressions and body language.

It can take several years for a person to notice hearing problems. For instance, they may have begun to avoid certain situations where there had been much background noise. Hearing problems can sometimes then go unnoticed that some people haven’t really brought their attention to it. Levels of hearing loss are measured in units known as dBHL, dB for decibels and HL for hearing loss. Assessment of this condition tries to find the softest sounds a person can hear across a range of frequencies. If problems or discrepancies are determined to some extent, it is then that treatment or certain measures are employed.

A basic among them is a hearing aid or instrument. Some people are reluctant to use these devices for several reasons. It can be that they feel it would be unbecoming to them by making them look older. Or perhaps they live active, busy lifestyles and wearing the instrument would cause inconvenience. To date, however, hearing aids and devices are amazingly small and compact. They also come in styles which are light, trendy and clever. In ways similar to the human brain, these novel devices work by identifying sounds you want to hear while filtering unwanted sounds and background noise.

Retailers of these aids and devices offer a wide range of styles. Some aids are in fact programmable and digital with sophisticated features. The prices are often commensurate with the benefits delivered. It would help if other than being given information, you also ask questions. Talk to your doctor about the most viable options for treating your particular condition. Functionality, efficiency and convenience are major considerations, and your budget in the same manner. And one of the most worthwhile investments you can make is towards taking care of your health and well being.

The author of this article Rose Windale is a Health and Wellness Coach who has been successful with several natural health programs for many years. Rose decided to share her knowledge and tips through her website You can sign up for her free newsletter and enjoy a healthy and happy life.

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Crafting the Perfect Invoice

Since 2007 the worldwide economy has been navigating a financial storm, with many weaker companies sinking under the pressure of falling order books and late payments.

A typical manufacturing company will have cut back on hiring new employees, stopped buying capital equipment, slashed research and development and frozen new product launches. Directly impacted by the recession is the accounts receivable (AR) process. The customers of the company that owe it money may pay slowly, late, or not at all, further reducing revenues. The affected company will pay its own bills more slowly, late, or in smaller increments – this in turn may reduce the company’s credit rating and its ability to obtain financing.

In short, it’s a vicious circle which many organisations have fallen victim to. So, any strategy to facilitate the payment of invoices and reduce the days sales outstanding (DSO) is critical to any business, large or small.

This whitepaper considers the true cost to deliver a business to business (B2B) invoice and proposes a flexible and innovative method (based around the Pareto principle or 80/20 law) to deliver invoices instantly, cost effectively and with complete visibility

The Death of Post

In the last five years we’ve seen an explosion in the growth of electronic business document transmission – common formats and methods of transmission include:

EDI (Electronic Data Interchange)
XML, CSV or other structured file formats sent via email, FTP or secure web portals
PDF or Tiff images sent via email

Of the formats and transmission methods listed above, PDF sent via email is proving popular. This is because it provides a direct replacement for post but at a negligible cost.  You also negate the need to agree a “true electronic” format to exchange data, as a PDF is simply an electronic image of the original paper document.

Comparing the Cost

If you’re comparing the cost of Post vs. PDF (sent via email), you realise the reason for its popularity:

Cost to create the document – Post vs. PDF

Post – circa 20p (this includes printing cost, paper, envelope, energy and labour)

PDF – circa 1p (there are no material and labour costs only software and energy)

Cost to send document – Post vs. PDF

Post – 20p (downstream access provider, e.g. UK Mail) to 39p (1st class franked mail)

PDF – less than 1p (there is a theoretical cost for the broadband access and the bandwidth but it’s practically zero when split over all the applications that use it)

Speed of delivery – Post vs. PDF

Post – 1 to 5 days depending on service levels

PDF – less than 1 hour (can be sent instantly but there may be delays due to email servers at customer end)

ROI – Post vs. PDF

If you can replace 3,500 posted packets a month, with a PDF transmission, you may be saving £2,000 a month – now that’s significant.

What’s the catch?

It sounds too good to be true, if the cost savings are so significant, why isn’t everyone sending PDF invoices and statements (and other business documents).

There are a number of reasons for this:

Some companies can’t easily automate the creation and sending of PDF invoices from their business system
Some customers/partners won’t accept a PDF invoice – they want a true electronic exchange of data or they simply aren’t setup to receive an email (although these are pretty rare now, but they do exist)
Certain organisations feel they have to send post (e.g. Councils, Charities, NHS Hospitals, Legal companies, etc)
Some companies haven’t thought about it or are too lazy to change
Reliability – some companies feel post is more reliable and worry emails can, in some instances, disappear into the ether

Let’s look at how the objections above can be overcome:

Output Management Software (e.g. Formate Output Management Software) will take the generic output from ERP systems and intelligently create and deliver PDF documents
Tell your customer that it’s part of your environmental policy to deliver electronic documents to reduce your carbon footprint – after all, nobody likes to be seen as a “green ogre”
This is potentially the most difficult one to address – government organisations and certain professions are slow to change and bound by red tape. Although organisations need to address modern document delivery methods this is probably the most difficult sector to tackle.
This is all about education, showing companies (and staff) what can be done
Reliability – email transmission of PDF invoices is more reliable in percentage terms than post, but technological issues can suddenly disrupt the process (changes of email address, email server crashes, spam filter/firewall updates blocking valid email traffic, loss of internet connection, etc)

We’re now going to look further at this last point (reliability) and look at ways to address this problem and add other benefits to the sender.

Reliability and Visibility

Whilst sending invoices via email is cost effective, there’s no guarantee the invoices has been successfully delivered and more importantly, the recipient has read it.

Document delivery software (e.g. ParetoPost™ software) has now been developed which provides an assured method to deliver electronic documents instantly to your customers via a secure web portal. It’s ideal for the guaranteed delivery of:

E-Billing – invoices, statements etc
Proof of Delivery
Purchase Orders
Drawings and project information
Staff documentation

Unlike email, you’ll know who has viewed the document, the date and time that it was read, and any notes the recipient has added. It delivers electronic documents quickly, securely and with a low delivery cost.

Removing Excuses to Pay and Improve your DSO (Days Sales Outstanding)

If you’re a credit controller chasing overdue invoices, using a document delivery web portal you’ll be able to chase all the invoices which haven’t been viewed or downloaded. If the debtor claims not to have seen it, you can quickly point them at their secure customer portal or resend the unique document web address. In simple terms you take away their excuse not to pay.


The Pareto Principle

The Pareto principle (also known as the 80-20 rule), is named after Italian economist Vilfredo Pareto, who observed in 1906 that 80% of the land in Italy was owned by 20% of the population. Pareto further developed the principle by observing that 20% of the pea pods in his garden contained 80% of the peas. The simple rule works in many different walks of life from nature through to economics.


In many business organisations, 80% of the revenue will come from 20% of the customers or turned around; a company will send 80% of its invoices to 20% of its customers.


Look after your important customers

Using the Pareto principle, it makes sense to implement a new invoicing strategy for your most important customers (the top 20%) as these are one’s you send most invoices to (80% of the total invoices send). If you still have to post a small quantity of invoices to your smaller customers, then so be it – don’t worry about the small volumes, it’s the large customers which really matter.


Interfacing to your ERP system

Many new technology initiatives, like delivering ERP invoices to a secure web portal, fall down as they’re too complex and costly to integrate into an existing infrastructure (i.e. linking to an ERP system). Using output management software it’s really simple to grab existing print output from an ERP system and intelligently publish to a secure document delivery web portal.


Whether your business is still sending paper invoices or emailing them we hope we’ve given you the impetus to investigate e-billing further!

Author – Joe Hyde

I’m the Sales and Marketing Director of Document Genetics.



Document Genetics is an established UK based company providing a comprehensive range of document management solutions. We focus on improving document automation, workflow and collaboration within our client organizations, and our range of innovative solutions and specialist services help to save time and money by processing documents and data more efficiently.

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