Debt Relief - How to Find It

Debt Relief - How to Find It

In today's economy, personal debt is a growing problem. With high unemployment rates and an expensive rate of living that show no signs of slowing down, debt is a serious problem in our country. In order to really make it out alive in a situation like this, the average American needs to know how to deal with this problem in order to build long term wealth.

Unfortunately, as corporations are feeling the hurt of our economy, your FICO credit score is becoming more and more important. For example, in some cases, cell phone companies are now requiring that they check your credit score before you can use their phone service.

The FICO score was originally set up so that businesses have a way of checking previous credit history before extending credit. With that information readily available these days, anyone and everyone can check your score. Employers, creditors, loan officials and insurance companies all will check your score before working with you. If you're score is not adequate you will be denied loans or given poor Insurance quotes.

Fortunately for you, your solution lies in the way that credit scores are calculated. There is a direct relationship between your score and past payments. If you're payments are late and insufficient, your score plummets. If you pay your dues on time, on the other hand, your score increases.

This is where the solution comes into play. The solution is a debt settlement company. These businesses provide you with an easy way of lowering the amount that you are due each month, making the difficult task of paying off your debt much easier. Often debt settlement companies can also compile your debts into a lump sum payment that will make your payments much more manageable.

There are several debt solutions businesses out there that are readily available to you, you have to be careful because, because some of these businesses are better than others.

The Minimalist Author

The Minimalist Author

Back in the Dark Ages of Tech Writing, minimalism might have mean leaving out definite and indefinite articles, you know, 'the,' a, ', and' an. ' After all, we wanted to sound all technical and using articles made the instructions and information way too understandable, not technical at all.

Being technical also mean never using second-person singular. It just was not done. Too friendly. This, of course, resolved in passive voice instructions that tended to distance the user from the action. That kind of technical writing was also wordy and confusing. Oftentimes you could not tell who was doing what to what and how.

The current thinking is minimalist writing, to be more straightforward, to write all that is needed for a chunk of information and no more than is needed. And, to write it in a clear, direct active voice.

Minimalism unchained

You would think writing minimally would be easier. I mean, you are trying to write few words but that is so not the case. When you write minimally, you have to determine over and over whether this word or that phrase is necessary to the information you are trying to impart. It is like cleaning out a closet. You can not do it in one pass at least not until you have written the same types of information multiple times and really start to notice where you have a tendency to pad the text.

We all know about word weeds. You know, using "in order to" instead of just saying "to." I can provide entire lists of those. But what about the sneakier sort of text padding? For example, let's say you are creating the task topic "Changing Sparkplugs on a 1968 Chevrolet Impala."

In the old days, we would set up the context of this bit of information with some text about the '68 Impala and then maybe start the steps with an introductory phrase, "To change sparkplugs on a '68 Impala, perform the following steps, "and then proceed with Step 1. We may even tuck some special information between steps 3 and 4 about which sparkplugs to buy according to price, longevity, and specific circumstances. All very reasonable.

In minimalist authoring, each topic is a single set of information and would not allow for anything but that set of information. So in our topic of the previous paragraph, the minimalist would create an overall document, "How to Maintain a 1968 Chevrolet Impala." This document would begin with concept-type introductory sentences we thought necessary to the reader's understanding of what kinds of topics are in the document.

Somewhere within that overall document, we would provide a subtopic called "Changing sparkplugs." We already know we are working on a '68 Impala so we do not need to repeat that bit of information. We also do not need the "To change the sparkplugs," introductory statement. That information is in the topic title. We can immediately start with Step 1. Topic title then Step 1, simple.

Any thoughts we have on sparkplugs or tools that are not directly related to the task itself, go into a Reference topic. This reference topic could be a table of sparkplug brands and which ones to use under various conditions. In addition, that table would be in its own topic, perhaps following the procedure or perhaps in a reference section with a cross-reference from the procedure.

Voila! You are now writing minimally. However, as I said, you are not done. Continue writing other tasks about Chevy maintenance, all of them and only the tasks, as individual topics. Set all reference information besides in another file that you will sort through later when you are writing reference topics.

When you have finished writing all the task topics, come back to the first one. You will no doubt find that you can extract even more words from the task. Not only that, you will probably find that you only need one introductory paragraph for all the tasks of a certain type instead of an introductory sentence for each of them. Maybe you find that you now want to have two concepts for maintenance: "Maintenance under the hood" and "Body maintenance."

See, when you write topics only, you can change around the flow of the document at any time without having to do a complete rewrite. This is also part of writing minimally, topic-based authoring.

When you are finished with all the tasks, notice that your reference topics almost write themselves. All the reference information is in one place so you reduce the chance of redundant information. You do not repeat the reference information in each topic that requires the information. You write each reference piece once and refer to that information from any and all topics that need that information.

All of this is simpler and less easy than I have made it sound but, with practice, writing minimally begins to become part of your writer DNA.

Rules for going minimalist

Okay, so it is not just writing minimally. Minimalism has rules. Well, they are more guidelines than rules but you should have heed them nonetheless.

• Use no more than 7 steps in a procedure.
• Tell the story with pictures, if possible.
• Keep sentences short and to the point.
• Ensure that each step in a procedure contains only one action. That includes steps like, "Select the appropriate value and then select Save." Do not do that. This should be two steps.
• Ensure paragraphs are no more than 10 lines long, even if this means a somewhat arbitrary paragraph break.
• Use active voice. If writing in active voice is not natural to you, do not worry. You can go back and fix your passive voice boo-boos after you have all your main thoughts on the page. That's what I do.

So Your Business Has a Legal Problem - 8 Useful Tips on What to Expect From Your Lawyer

So Your Business Has a Legal Problem - 8 Useful Tips on What to Expect From Your Lawyer

As a business owner, you are usually run off your feet with the challenges of operating your business. The last thing you need to worry about is a legal problem. Many business people put off dealing with a legal problem because they don't know where to turn, don't have the time, or most often, are afraid of how much it will cost and how much time it will take.

Legal issues come in many forms:

· A customer failed to pay an account despite many promises. · You just received a letter from a government agency. · You just found out that your former manager has set up a competing business and has stolen your best customer and one of your key employees. · You have just been sued for $100,000. · Someone told you that one of your standard form contracts won't stand up in court and you are worried about it. · You have a dispute with your landlord. · You have a problem with a US or European customer. · Your business has been defamed on the internet. · You just found that your warehouse manager has been sexually harassing a female employee. · An employee is damaging your business but threatens to sue if you fire him. You are not sure how to handle it. · You are involved with a Workplace Safety Insurance claim.

These examples are just the tip of the iceberg of the kinds of legal issues business people run into frequently.

Tip #1 - Seek out legal help at the first sign of a problem

Suppose a competitor has been passing off its business under your name and it's costing you customers and sales but it's hard to estimate the amount. Unless you act promptly, it may be too late to seek an injunction from the Court. If you think you have a claim against another party under a contract, a limitation period begins to run from the time the contract is breached and usually expires two years later. It's not a good idea to leave the claim to the last minute.

If you have an issue with an employee who is working unacceptably, it's important to develop a legal strategy as early as possible. The longer you wait, the more it may cost your business.

The short point here is that it is important to seek advice as soon you detect a problem and before anything has been done to make it worse. Crisis management is always more expensive and time-consuming than early response.

Tip #2 - Have a team of lawyers to call on when you need them.

Every business should have a team of on-call lawyers. This is less expensive or complicated than it sounds. All you need are the telephone numbers and email addresses of trusted corporate, employment law and litigation lawyers. Depending on the nature of your business, you may also need an intellectual property lawyer, who deals with trademarks, patents and copyright. You may even need a tax lawyer because not all tax issues can be solved by an accountant.

If the amount of your legal dispute is very small, such as a claim or complaint by a customer for $1,000 or less, it will be uneconomic to hire a lawyer. Fortunately, there are other helpful resources. The BBB has a dispute resolution process which permits BBB businesses and their customers to resolve disputes by arbitration or mediation. You don't need a lawyer and the only cost is a small administration fee. More information about this process is available on the BBB website.

If your case is in the Small Claims Court ($10,000 or less), you might need a paralegal who specializes in these kinds of cases. Paralegals are now regulated by the Law Society but they are not lawyers and they are not a substitute for an experienced lawyer.

Tip #3 - Learn what to expect when a dispute arises.

As a business person, you have learned that success is often the result of building relationships. The relationships you build with your lawyers can be just as important to your business success as the ones you have with your customers, suppliers, banker and insurance broker. A relationship with your lawyer built on mutual trust and respect will save you many sleepless nights over the years and probably make or save you a lot of money.

There are several ways to find good lawyers for your business:

• Ask business associates or relatives if they have someone to recommend. If you get a recommendation, find out more about the firm and the lawyer by using some of the research methods below. · The internet is a very useful resource for finding a lawyer but you have to be careful. Any lawyer can list with various online legal directories. Anyone can have a flashy website. You have to move past the flash to find the substance.


• When looking for a lawyer on the internet, look for someone who has experience in the field you require. The first name on a Google search may not be the best choice. Some lawyers have written extensively about the law. This is a useful indicator of expertise and standing in the legal community.


• Some lawyers list cases they have been involved in on their websites. Broad litigation experience in complex business matters over many years is a good indicator of competence.


• The Law Society of Upper Canada (Ontario, Canada) has a lawyers' referral service. The service provides a name but you have to check the details out yourself. · The Law Society certifies specialists in several areas of practice. Certification as a specialist signals that the lawyer has achieved a higher standard of experience in his/her area but certification isn't mandatory. Many competent lawyers have long experience in a field without applying for certification. You have to decide if this is important to you.


• · If your problem is outside Ontario, find a local lawyer first. Many firms have networks with lawyers globally and are able to refer to lawyers in the USA or other countries. Refers between colleagues are often more effective.

When you call, don't expect the lawyer to solve your business problem over the telephone. The first discussion is for the lawyer to identify whether s/he can represent you and for you to assess whether the lawyer appears to have the skills to deal with your problem. If you have a legal problem the lawyer believes his/her firm can resolve, an office meeting will be arranged.

In business matters, lawyers customarily charge a consultation fee for the first office meeting. At the meeting, the lawyer will give preliminary or urgent advice and develop a go-forward strategy. The lawyer may be able to give a partial fee estimate and will ask for a retainer to cover some of the work. No lawyer can guarantee the outcome. At this early stage, there are usually a lot of unknown matters. While the lawyer may be able to give you a partial fee estimate in a litigation matter, it's impossible to say with accuracy how much it will cost. It depends on too many unknown factors.

It will be then up to you to decide whether or not to hire the lawyer to represent you further. The decision you make will depend on your sense of confidence in the lawyer. Has the lawyer listened to you? Have your questions been answered? Does the lawyer appear to understand your problem? Has the lawyer presented the risks and downsides of your case? Every case has risks and costs. Beware of a lawyer who tells you only what you want to hear without assessing the strengths of the opposing party's case.

Some lawyers will accept a monthly or annual retainer which entitles the client to telephone advice a few times a month. More complicated issues require separate engagements.

Tip #4 - The least expensive lawyer is unlikely to be the best person to handle your legal problem

Consider this scenario: you are looking for a lawyer for a complicated lawsuit. You call Mr. Jones, who answers on the first ring. You tell your story, which has many facts the opposite party disputes. Mr. Jones says, "You have a great case. I'm sure you're going to win." When you ask how much it will cost, Mr. Jones says "Don't worry, you won't have to pay me anything unless you win. Just come on down to my office and we'll get started."

Beware of any lawyer who tells you this. While Ontario lawyers are permitted to charge their fees based on contingency, i.e. a percentage of the result, this type of fee arrangement is only rarely applicable in business cases. It never occurs when facts are in dispute, recovery is uncertain or if the amount is small.

When you retain a lawyer, you need a trustworthy advisor, who will point out the weaknesses of your case as well as the strengths. A litigation lawyer who is waiting by the phone for your call and tells you exactly what you are hoping to hear may be too hungry or too inexperienced to manage your case. He may be in over his head and will bail out as soon as your case takes a negative turn. By then, your legal situation may have worsened. It will be more expensive and perhaps impossible to repair it.

Even worthwhile cases require careful analysis and risk assessment. An experienced litigation lawyer will typically do his by for fees on an hourly basis plus GST and any out-of-pocket expenses necessary for your case.

Good litigation lawyers are often in court, at mediation or other litigation procedures, at meetings or discovery. However, good litigation lawyers always call or respond by email within 24 hours. In case of urgency or vacation, the lawyer will arrange for someone in the office to contact you.

Tip #5 - Prevention is better and much less expensive than litigation.

Legal problems are like computer crashes --- they are bound to occur, it's just a matter of time. Unlike computer crashes, some lawsuits can be avoided. Often, businesses owners deal with legal matters only when a crisis arises. They look for the least expensive lawyer to draft their leases, contracts, corporate and employment agreements without regard to skill, competence and experience.

Sometimes, business owners avoid legal steps like failing to make a shareholder agreement, failing to file a trademark application or failing to prepare a non-competition and non-solicitation agreement with a key employee. When served with a lawsuit, they ignore or tear the papers up in anger. These business owners will be caught short when the inevitable occurs. While litigation or arbitration may still occur when there are written agreements in place, you will be in a far more secure position if you have taken precautionary steps before the dispute occurs. If you respond to correspondence and legal papers promptly, you will be better protected than if you ignore them.

Competent legal advice is available for matters such as corporate organization, leases, the wording contracts and other documents you use in your business, partnership and shareholder agreements, your relationships with your employees, your company's trade names, logos and website, your regulatory compliance, your risk management and litigation prevention techniques. It's all important to arrange legal affairs to ensure that your personal liability is limited in the case of a claim against your business.

Ensure that the legal issues affecting your business are in good order. This is likely to save you a lot of money and grief in the future. You might even consider having a legal audit or a "business legal checkup". We plan to write about this topic in a future article in this newsletter. Preventative legal advice may be expensive but it is just as important as fire insurance.

Tip #6 -- Don't assume that 'going to court' means 'going to trial'

If you haven't been involved in litigation before, you may not appreciate that more than 90% of cases settle before trial. While a trial (or even an appeal) is not always avoidable, lawyers use techniques to try to resolve cases at earlier stages. Business people are looking for certainty and to limit expense and exposure.

It's never a bad idea to negotiate a settlement with the opposing party but the timing and approach will depend on the case. It is best to negotiate from a position of strength. This may mean holding off negotiations until enough facts and documents have been disclosed to favour your position.

Mediation is another technique lawyers use to achieve settlement before trial. Mediation involves a neutral mediator, who is usually an experienced lawyer, acceptable to all parties. The parties and the lawyers prepare briefs to explain their positions to the mediator. On the mediation date, after an opening session, the parties retire to separate rooms. The mediator will "shuttle" between the parties until an agreement is worked out or an impasse is declared. This process produces a high rate of settlement even in very complicated cases.

Tip #7 - Understand the risks of the litigation process: Why do lawyers emphasize settlement?

Even if you have an airtight case, your lawyer will still recommend settlement. Lawyers assess risk every day. Even the most airtight case could have problems at trial. The judge may prefer the evidence of the opposing party over yours. The other party's expert witness may be more persuasive than yours. These are just two of many possibilities. A trial is always a last resort.

Another good reason to settle is that even if you win at trial, the case may not be over because

• The legal costs awarded by the court to a successful party are only a partial recovery of the legal costs payable to your lawyer. · If you lose at trial or if the opposing party does better in court than their settlement offer, you will have to pay a portion of their legal costs. · There may be an appeal which could delay payment for two years or longer.


• Until a final judgment is granted, a defendant is rarely prevented from dealing with his property - unless the property is the subject of the lawsuit (or some other exceptional situations).


• The judgment may be unenforceable. The opposing party may be insolvent or go bankrupt. You might not collect anything. · The defendant may conceal his assets or transfer them to family members to make the debt difficult to collect. A separate lawsuit may be necessary to find the defendant's assets or to declare the fraudulent transfer void.


• The defendant may have assets outside Ontario. A lawyer in the jurisdiction where defendant's assets are located may have to be retained to collect the judgment.

A settlement involves a resolution both parties can live with. If the case involves the payment of money, there won't be a settlement unless payment is made.

Even with these concerns, some cases can't be settled. The positions of the parties may be so far apart that a trial is necessary. As the case progresses, you and your lawyer will have to revise and update your strategy and estimate the legal cost and risk of each stage of the case. Keep in mind that the opposing party is dealing with similar risk assessment and cost issues as you are.

Tip #8 -- Be a good client.

From a lawyer's perspective, a good client is a business person who does the following:

• Presents all the facts of the case fairly without exaggeration or deception. Tell your lawyer everything; not just the facts that help you. The rest of the story always comes out and usually with adverse consequences. · Considers the lawyer as a trusted advisor and advocate.


• Has a well-organized set of relevant documents.


• Provides other documents and information promptly when requested.


• Accepts that every case has weaknesses and works with the lawyer to develop a strategy to minimize the weaknesses.


• Recognizes that the lawyer cannot guarantee the outcome but can only provide effective advocacy to produce the best result, often as a result of negotiation or mediation.


• If an examination for discovery or trial is required, takes the time to prepare to testify.


• Asks for clarification on all matters that are unclear.


• Understands that in litigation matters, it is impossible to predict the fees accurately but that the lawyer will gladly provide estimates of imminent steps in the case.


• Pays retainers when asked and settles interim accounts promptly when rendered.


• Considers the lawyer's recommendations carefully and provides reasonable instructions.

One of our firm's clients is a technology business which started as a family operation and has grown to the point that its brand is now accepted and recognized globally. Our client's president knows hows to get the most out of his professional advisors. He is always respectful, trusting of professionalism, intelligence, experience and competence. He is prompt in responding to requests for information, appreciative of good advice and excellent service. He works hard but he usually has a happy and cheerful attitude.

Our client expects is professional advisors to have the same enthusiasm for their work as he does for the operations of his business. And another small matter: our client pays every professional account within 48 hours of receipt. He believes that if he had to challenge his lawyer or accountant's bill, the professional relationship is not a healthy as it should be. Our client expects fair treatment, excellent service, sound advice, creative strategy, experienced advocacy and determined, no-nonsense negotiations. And he gets all of them in spades! A lot of business people who are dissatisfied with their professional advisors could learn a lot from him.

These tips offer no assurance that your legal matter will turn out exactly as you expect. However, by following our suggestions, the resolution of your business dispute is likely to be a less expensive, less time-consuming and less stressful experience and possibly more successful. Keeping your business legal affairs in good order permits you more time to focus on making your business flourish.

CSV vs XML vs JSON - Which is the Best Response Data Format?

CSV vs XML vs JSON - Which is the Best Response Data Format?

Whether you are building a thin client (web application) or thick client (client-server application) at some point you are probably making requests to a web server and need a good data format for responses. As of today, there are three major data formats being used to transmit data from a web server to a client: CSV, XML, and JSON. In order to develop an application with a solid architecture, it's a good idea to understand the differences between each format and know when to use them. The purpose of this post is to define each data format, lay out the pros and cons for each, and discover which situations work best with each format.

CSV

CSV stands for "comma separated values". As the name implies, this data format is basically a list of elements separated by commas. Let's say that your response is sending back a list of people in a particular family. The format would look like this:

Eric,Andrea,Kusco

Pros - This format is the most compact of all three formats. Generally speaking, CSV formats are about half the size of XML and JSON formats. This is the major advantage of CSV because it can help reduce bandwidth

Cons - This format is the least versatile of all three formats. This is because a homemade parser is required to convert the CSV data into a native data structure. As a result, if the data structure changes, there is an associated overhead of having to change or even redesign your parsers. Furthermore, since the program creating the CSV and the program parsing the CSV reside on different machines (remember that we are passing data from one machine to another) then both programs must be updated simultaneously to prevent the receiving program to crash. Otherwise, an outage is required to update both programs individually to prevent incompatibility issues.

Finally, CSV does not really support data hierarchies. What if you wanted to send back attributes for each person in each family? You would then have to design a complex parser that knows which parts of the CSV are referring to elements of a family, and which parts are referring to elements of each person. One way to solve this problem is to use another delimiter like ";" to separate each person's attribute:

Eric;male;26,Andrea;female;26,Kusco;male;8

The problem with creating customized formats, however, is that you incur an overhead of maintaining an even more complex parser.

XML

XML stands for "extensible markup language". XML was designed in 1996 and officially became a W3C standard in 1998. It was created to better represent data formats with a hierarchical structure. The format looks like this:

<br /> <person><br /> <name><br /> Eric<br /> </name><br /> <age><br /> 26<br /> </age><br /> </person><br /> <person><br /> <name><br /> Andrea<br /> </name><br /> <age><br /> 26<br /> </age><br /> </person><br /> <person><br /> <name><br /> Kusco<br /> </name><br /> <age><br /> 8<br /> </age><br /> </person><br />

Pros - This data format fully supports hierarchical data structures and is very appropriate when receiving complex data as a response. It is also very human readable. Most browsers have built in XML readers that allow you to inspect XML files. Since XML was the first standard hierarchical data format, most APIs have built in functionality to automatically convert XML data streams into native data structures like objects.

Cons - This data format is about three times as large as CSV. This is because each data element has an associated open and close parameter tag.

JSON

JSON stands for (Javascript Object Notation). It was invented in 2001 and became popularized by Yahoo and Google in 2005 and 2006. It was created as an alternative to XML. Like XML, however, it represents hierarchical data with the use of commas, curly braces and brackets. An example of JSON looks like this:

{"name":"Eric","age":"26"},

{"name":"Andrea","age":"26"},

{"name":"Kusco","age":"8"}

Pros - This data format supports hierarchical data while being smaller in size than XML. As its name implies, it was also created to more easily parse data into native Javascript objects, making it very useful for web applications. JSON is the best of both worlds with respect to CSV and XML. It's simple and compact like CSV, but supports hierarchical data like XML. Unlike XML, JSON formats are only about twice as large as CSV formats.

Cons - This data format has a little bit less support than XML. Since JSON is relatively newer than XML, fewer APIs exist to automatically convert JSON to native data structures. However, this is rapidly changing because newer APIs and plugins are supporting both XML and JSON.

Conclusion

As a general rule of thumb, JSON is the best data exchange format to date. It's light weight, compact, and versatile. CSV should only be used if you are sending huge amounts of data and if bandwidth is an issue. Today, XML should not be used as a data exchange format because it's better suited for document markups.

Promotional Printed Pens Can Be Printed in One Color Or Many Colors

Promotional Printed Pens Can Be Printed in One Color Or Many Colors

Promotional printed pens are an excellent way to expand your branding campaigns at a very low cost. With inexpensive yet well functioning pens available on the market, it is possible to invest in pens that will last months or years without having to spend a great deal per individual unit. Unlike water bottles or other promotional materials, this can cost over a pound per unit. As pens are often kept for long periods of time, usually until they run out of ink, it is possible to expose your audience to your brand with day to day use. However, there are a few things that you will want to keep in mind if you are interested in using pens as a part of your promotional campaigns.

First, promotional printed pens are only as beneficial as the printing that you put on them. Because of this, you want to make certain that you take your time in selecting the ideal customizations for your needs. Your company name should be easy to read. If you are giving these pens away at a location where you will be exposed to people unfamiliar with your business, your website or phone number should also be provided. Many people choose to include a slogan or description of their business so that customers are able to associate the pen with a type of service. It is important that you try to fit as much relevant information as you can on your pen. However, pens have limited space on them. In addition to this, every manufacturer has different guidelines on what can be printed on their pens. Many companies only allow for one color of printing in a set area on the pen. If you want additional colors or more space on the pen, you will need to expect paying more for your customizations. When you add additional colors, expect to pay a set fee for the additional color as well as an addition per pen to cover the ink used.

If you are planning on using a lot of promotional printed pens in your business, there are a few things that you should keep in mind. First, ordering in bulk is a great way to ensure that you are making the most of your advertising dollars. Bulk ordering involves buying a number of pens over a certain threshold to make sure that you are getting the best value per pen. Every pen manufacture has different thresholds for bulk orders. Numbers for bulk orders can also vary based on the type of pen that you select for your campaign. When you go to place your order, consider the amount of space that you have available to store pens. This can help you determine if you can order extra pens than what you immediately need. It is suggested that you give several weeks for your pens to be made to order, as well. If you have an upcoming event where you wish to distribute pens, give yourself ample time to order and receive your pens. Order times will fluctuate depending on the number of pens that you order.

Safe Keeping Receipt (SKR) - Collateral For Alternative Financing

Safe Keeping Receipt (SKR) - Collateral For Alternative Financing

Safe Keeping Receipt's, or SKR's, are bank instruments that are on the rise as collateral for alternative financing. A SKR is a financial instrument that is issued by a safe keeping facility, bank or storage house. In storage, assets or other valuables are in a safe, secured and protected area. The issuer of the SKR takes the responsibility of being the legally responsible custodian. Check with your institution or safe keeping storage facility as some require fees for these services.

Examples of asset skr's that can be monetized:

• Fur SKR

• Collectible Art SKR

• Gold SKR

• Above Ground Assets SKR

• Commercial Property SKR

• Antiques SKR

• Valuable Documents SKR

• Precious Metals or Gems SKR

The issuer of the SKR is not the legal owner and therefore, must return the asset to the owner upon request. Who can obtain an SKR? Individuals, corporations, companies, organizations and trusts to name a few. The owner of an SKR may monetize this instrument much like an SBLC, LC, Bond or BG and use these funds as an alternative funding source for projects. Most issued SKR are capable of SWIFT transfers however, some may require an additional MT 760 simultaneous to the transfer of funds in the transaction.

Monetizing and SKR is the process of converting the financial instrument into a legal tender transaction. Depending upon the monetizing bank, certain additional conditions may apply. For instance, is the asset free and clear, meaning; is the title free and clear listed on the SKR? Aside from the validity of the SKR, free title is the single most important aspect of monetizing. The next important aspect is the capability of a SWIFT MT 760. Once monetized usually for a term of 1 year and 1 day unless otherwise agreed upon, the safe keeping receipt is then completed to the originating issuer.

With these very crucial points in place, monetizing your safe keeping receipt can be a safe transaction because in most circumstances, you don't move your asset or give up control. Any fees associated with monetizing your SKR should be paid out of proceeds and not upfront. For many reasons, you should never make arrangement to SWIFT or transfer your SKR to any one or company without first having a contract in place or knowing the company you are dealing with. Monetizing your SKR can be a solution to alternative conventional financing.

iPhone Support - Learn More About iPhone Repair Service

iPhone Support - Learn More About iPhone Repair Service

iPhone support center can be really useful for you if you are facing some difficulties with using your device. The Apple iPhone support website in such cases will help you to understand whether you actually need an iPhone repair service or not. Now once you visit the iPhone support site and go through the articles available there, you will have some idea about how to deal with the problems that you are experiencing with your iPhone. But if you think you need more assistance then you can always contact with the Apple Technical Support to get in touch with an expert in Apple Support (which is offered only in the United States and Canada) who will try to help you with your issues. Another option might be taking your phone to an Apple Retail Store for expert help.

iPhone Repair for a Warranty Covered iPhone

Now if your iPhone is still covered by the Apple's Limited Warranty, then you can go for iPhone servicing by utilizing the Online Service Assistant, get in touch with the Apple Technical Support team or simply by bringing in the broken iPhone to your nearby Apple Retail Store to organize a servicing for the device. Usually the iPhone servicing takes about three to five business days when it is arranged through the Apple Technical Support or Online Service Assistance.

iPhone Repair for an iPhone With Expired Warranty

Now as far as a warranty expired iPhone is concerned, there are many other iPhone repair service providers available in the market that can help you to fix a broken iPhone at a reasonable price. A reliable repair service provider should be able to give you a satisfactory service by fixing your precious machine back to its normal condition.

Fixing an iPhone - What Can Void the Warranty

However, for an iPhone that is still covered by the warranty, getting it fixed with some other repair service company may void that warranty. So if your broken iPhone is still covered by the warranty then take your first shot with the iPhone support center to fix your device.

DIY iPhone fix - Think Before You Go for It

Some people may prefer going for the DIY (do it yourself) iPhone repair to fix their device at home. But this can cause even bigger problems if the person performing the repair is not all that familiar with such operations and maybe doing it for the first time. This can cause irreparable damage to the already broken iPhone, something that I am sure you definitely don't want to see happening. Although the professional iPhone repair may cost you more money but at least you won't get exposed to the greater risks that are associated with DIY iPhone repair.