Credit Cards (again)......?
How can I get a lower interest rate on my cards?I figure if I can lower the rate, not only will it receive my credit look better, but I can pay them past its sell-by date faster.
Thanks.
Answers:
If you haven't had any bills salaried late....nickname the bank. Usually if you've have your card for more than a year, they will give you a choice between lowering your interest, or giving you a better credit limit (go for the lower interest, trust me!). Most bank won't tell you this, they would a moment ago increase your limit which make people who don't know roughly speaking the choice...happier.
Doesn't make sense, but that's how it works.
Trade surrounded by your high credit shorten for a lower interest...it is better.
Other Answers:
call them and voice that you are planning to transfer your symmetry to other card.
Try calling the company and asking them to lower your rate. I did this and they agreed to it. Sometimes it take threatening to roll your balance over to a competitor who have a better rate. Call the company and tell them you would close to a lower rate or you are going to cancel your card and jump with another company who will present it to you (even if you don't have one creased up). They might come down a couple of points just to hold on to you as a customer.
Sort of depends on your history with them.
Good luck!
Usually you will get offer for credit cards with lower rates and even 0 intrest for a few months. The corner is they are only low intrest for a few months. What you enjoy to do is open them, verbs high credit balance to these cards and open up other low intrest cards right back your low intrest rate is up. Then just verbs the cycle. I did this and paid for a 20000.00 saloon and paid extremely little intrest. I mainly compensated the membership fees once contained by a while. I was also competent to do this by telling them i made almost 3 times more than i really made. They never checked my income. I eventually paid the saloon off and very soon i am debt free. Credit Cards Are EVIL! I started out with a credit card, next before I know it I had an impossible amount to reimburse off. So I get another..then another..afterwards another. The result is I owe $6,000. So I joined a credit counseling service. It be ok..I started seeing my credit cards decrease...slowly, but surely. However, I simply found out (because I am trying for a home loan) that lenders look at credit counseling as a form of bankruptcy. I recommend getting a loan from the edge (what I did) pay sour your credit card(s)...get it out of your existence & THAT will give you a better credit rating. Take it from me...my credit rating is presently excellent!
Credit Cards......?
Will closing out my credit cards (after I have remunerated them off) hurt my credit? I have (in lay down I recieved them) Capitol One, Chase, Providian, Applied Card Bank, Aspire Card Bank, Orchard Bank, and Wal-Mart. I am closing out Applied, Aspire, and Orchard.I am keeping Capitol One and Chase because they are my longest (I heard you stipulation to keep your oldest) and I am keeping Providian because it have my highest credit issue (I was told you stipulation at least ONE card near a good credit limit) and I am keeping the Wal-Mart card merely because.
I haven't used any of them in over three months and I own been working on paying them sour (I am down to half the set off on all of them). I want to close out those three once I've remunerated them off but I am curious on if it will hurt my credit to own them closed?
If it does hurt my credit, will having the others (on not anything balance or salaried off every month) serve it more then closing will hurt it?
Thanks!!
Answers:
Closing accounts can sometimes hurt your rating. See the first connection below. You are right in keeping your oldest accounts uncap, as your credit score is to a certain extent based on how long you hold had credit.
The second relation is Yahoo's information on improving your credit rating. The third interconnect is Motley Fool's information on improving your credit rating. Good luck!
Other Answers:
no, it won't hurt, and it sounds similar to you have a perfect rating, because you sound responsable
Hi, credit cards are revolving credit and show your maximum credit limit even when they are closed. Credit score are between 200 and 900 you want to be around 700. 3 credit cards are a good amount to enjoy, more than 3 could lower your credit score even if no harmonize because you have undo lines of credit. Call the other credit card companies and close out the cards you don't need especially the ones beside high interest rates. You really shouldn't hold any cards with rates difficult than 0%, 2.9%, or 4.9%. Anything higher next to balances should be remunerated off as soon as possible. Or verbs the balance to a card next to an introductory rate of 0% or below 5% for 5-12 months, where you are mostly paying the debt and not the interest. But hang on to an eye on the expiration date of introduction rates as they will jump up when their intro time is over. When balance are paid stale those accounts show paid but still are quantity of your credit report. To have an rationalization taken off your report when compensated in full or closed can lug at least 3 months. Pay loans prompt and keep the number of credit cards to a minimum and that will comfort you maintain a well-mannered credit score. Good luck. -R It won't hurt your chalk up or help it.
Keep the cards instigate but don't use them.
A company like Chase is great for your credit gain, Providian is also wonderful, these are company's that won't really charge you a lot of monthly nouns charges(if any).
BE very hugely careful of CAPITAL One I would not recommend them even to my worst opponent.
This is a card that maybe closing, and perversely not using once the debt is down is a good hypothesis. Capital ONE has a funny process of reporting you as over your credit limit when you're below it. (really big on charges also)
Who can report to Equifax or another credit bureau?
I'm dealing with a company (Fitness World) to be precise being immensely unreasonable regarding a political leanings that I believe I had closed down almost two years ago. They are a voluminous company but privately owned. I'm still in the process of trying to get hold of out of the remaining dues, if I can't strike a deal of any characteristics what are the chances that my credit will be artificial by this? Any way to find out? Any suggestions would be constructive or if you've had any experience dealing beside them.Answers:
Talk with a legal representative and see what they have to say aloud. Usually your first visit if free. I would not want to answer that and you not catch the right help on it.......
Other Answers:
What will feasible happen is Fitness World will turn your description over to a collection agency. After they contact you, you have 30 days to respond or they will place a report on your credit history. It's possible near will already be one, you would need to check.
If you believe you don't owe it, and you enjoy some proof, then collide it!
First, go to http://www.annualcreditreport.com and find your free credit report. Check it to see if it's there.
If/when you find out they are reporting it, distribute the creditor a Validation Letter. They MUST send you copies of adjectives contracts, recripts, bills, and everything to prove you owe this debt.
The problem with these places is your agreement probably say you need to notify them within writing that you were canceling, or you signed a long possession agreement. You need to find some proof to return with around that.
NEgotiate the remaining balance? if you enjoy NO IDEA what to do to negotiate this matter, distribute me an email and I'll help you out
I am surrounded by debt up to my eyeballs, I own nil to use as collateral, what is my best bet? I enjoy unused a?
credit card scence x-mass, but I can make simply the mim. amount due..any suggestion..I have already consloadated my bills once, but at that time I used my vehicle as collateral..I dont have that saloon any more and dont own a home.Answers:
First, stop using the cards. Cut 'em up. Second, make a budget and see what is the maximum you can recompense each month. Pay the extreme interest rate card the most per month until it's paid past its sell-by date...then step to the second highest rate card. Or, if no collateral loan rates are lower than most of your credit card rates, dance get a loan and retribution them off. Then, don't ever use credit cards again.
Edit: And, don't folder for bankruptcy. It will affect you for years and years (sometimes employer look at your credit record, and that isn't desirable - - it make you seem irresponsible)...plus, it's a cop-out.
Other Answers:
move off society and move into a cave where on earth no credit collectors can find you lol
But seriously try calling one of those companies that help you consolidate your debt in need a loan.They can eliminate interest rates and work out expenditure plans with the creditors.
If you live somewhere where it is heat all the time I would merely buy a motorcycle. As expensive as gas is these days that would be the route to go. A friend of mine have an older 90's Mazda B2000 pickup that have over 350000 miles on it. These pickups last forever. He hasn't have any major problems near it at all. File for liquidation
i suggest you cut up your credit cards for starters consequently make a plan to repay your debts. you should loook for another source of income resembling a weekend job
Cut as much expenditures as you can: bring your lunch to work, cook at home. cell phone, cable.... cut as much as you can. Any penny you accumulate, pay the credit card.Try to go and get extra income from a part time career, or weekend job....
Gosh I know thats really a tough spot and we all turn through it once in a while. The best couple tidbits of guidance I can give is to
#1 cut up any credit cards! No thing what, nothing is so esteemed to get deeper into the hole. If you cant foot cash you dont entail it. Find some other way to collect for it and buy later when its on mart. If possible do a balance verbs on a lower interest rate on what you do owe, often you gain the 1st 6 months interest free. Maybe a 2nd job would backing pay that bad (work from home on your computer?)
#2 Look into a consumer debt counseling, at a legitimate one the relatives volunteer to help ancestors in your situation and they wont rip you rotten. They can put you on a budget and work with your creditors so you can get lower payments and sometimes eliminate a dignified interest. My mom is working with one in a minute, she sends x amount per month and they pay the bills for her. It works and its piece of mind while keeping a clad credit rating.
#3 Is there a hobby you can do to form money on the side? Sell misc. stuff you dont need on Craigslist for fast cash, its easier than a garage public sale and your stuff will sell hasty with pictures. I do this anytime I inevitability some quick money surrounded by a hurry and it never fails.
I hope this help & keep your chin up, it will go and get easier!
Source(s):
http://www.craigslist.org
The first piece I would suggest is take a long look at why you hold on to following the same fruitless money habits?
Then pick the credit card that have the lowest interest rate and transfer adjectives of your other balances to that card. Then you want to close adjectives the other credit accounts keeping maybe one/two for overnight case of emergencies.
You should also achieve a copy of credit report(s) all three near your scores. Then attach up all of your true debts. Anything on your report that you are truly responsible for(anything elder than seven years should not still be there, or accounts that are not yours you will hold to send adjectives 3-credit reporting agencies a letter of dispute) Once you join up all the debt that is to say yours figure out what you can rate comfortably and set out calling your debtors and making payment arrangements. If you enjoy medical bills you can pay as little as $10-15 every two weeks until you return with some of the other bills paid for, next pay them more until it is adjectives paid sour. Look at it in a authentic time frame for you payment programme.
Source(s):
experian.com
transunion.com
equifax.com
myfreecreitreport.com
this resource have proven to be very willing to help for understanding populace in this sympathetic of bind
http://andycaine.approval4u.hop.clickbank.net
hope it help I've been posting to some extent frequently here over the past few months. I've also tried various times to warn empire about exactly what you are going through.
Debt consolidation is a biddable idea, but comes near many danger. Mainly, too many society consolidate, then turn around and run up their now-empty credit cards. Now you are contained by twice the debt.
I won't repeat the advice from the previous answers. Those are understandable, and I'm gonna bet you are already doing that.
I don't have adequate information to give any dutiful advice, but I'll be nonspecific.
You have two choices. Bankruptcy, or trying to curtail your debt.
The advantage of liquidation (in your case) is that you don't own a car or home. Depending on how much money you are earn with those two job, you may qualify for a Chapter 7. If yo earn a lot, you will be forced into a Chapter 13 "Wage Earner Plan" where on earth you will have to pay cheque back a portion of those debts. If explicitly the case, you will be placed on a terribly strict budget. You think it's discouraging now, hang around to you see what you will be put under. And you can expect to be on this budget for the subsequent 3-5 years.
About the comments about have a ruined credit history...what looks better. A bankruptcy, or several outstanding debts and judgements? Both look vile, and both stay with you for several years.
If your debt isn't that great, try contacting your creditors and negotiate a clearing plan. Tell them you are considering bankruptcy, and next to their help you would close to to avoid it. See if they can reduce your be a foil for and/or freeze the interest and penalties.
Even underneath this plan, you can expect a rough few years.
If they won't work with you, look at it this instrument. Lets say you owe $20,000, and the most you can spend toward your debt respectively month is $200. It's gonna take you 10 years to salary off the debt. You grasp to deal beside bad credit, plus adjectives the harrassment that goes along near debt collections.
With the bankruptcy route, you still own bad credit but the harrassment go away, and you only own to put up with it for 3-5 years.
Don't devise I'm trying to talk you into collapse! I'm just showing you both sides and showing you option. Get some real minister to!
Source(s):
http://www.no-bull-guide.com/creditrepair.html
http://www.no-bull-guide.com/raiseyourcreditscore.html
http://www.no-bull-guide.com/debt/ Go to the library and check out "Financial Peace" or Financial Peace Revisited" (or ANYTHING) by Dave Ramsey. This guy was a MILLION dollars within the hole in unadulterated estate when the banks started calling to collect. Since everything be in R.E., he have NO cash. He get out and now he teach others how. Check out his website (listed below in sources).
Several of his philosophy have already be suggested (getting a second job - which you already hold, holding a garage sale), but he's got TONS of devout advice from the best university - experience!
I hope this helps. I know it's tough because I've be there (more than once, I'm afraid). But we're on-track in a minute, thanks to Dave. I can't say aloud enough obedient things about this guy. He save my marriage!
Source(s):
http://www.daveramsey.com
Quick Quiz ... What is your credit ranking?
And I thought my credit was doomed to failure. I've seen various people post their credit score when asking a question. The incalculable majority that I have see are below my credit score. My mark is 682. What is yours?Answers:
blah really bad
Other Answers:
700
692 I'm thinking of a number...
Mine is in the 700-750 gamut.
Last time I checked - between 750 and 800. But we don't use credit cards anymore. We only just save money and use currency.
Debt-free is the way to be!
Source(s):
http://www.daveramsey.com
I rewarded rotten most of my elevated interest credit cards, but i'm still broke. Is it still worth it?
Answers:
You may be broke now, but as surrounded by everything else this won't last long. The interest on credit cards amount to alot of money. Continue beside this and you will find in presently time that you are completely out of debt. Talking with Credit counsellor help alot. They are a free service and they can help you find ways to budget and recompense off adjectives debt. They are very correct on helping set up a livable budget.
Other Answers:
Yes.
Yes, hang on to paying off and do not borrow any more money and you will soon be out of debt and not a slave to anyone. Credit is the investigational form of slaverly, for white and black, YES
setup up a budget
stay with you budget
surrounded by a little time you will discover, WOW I'm not broke..
Hi, I'm a stupid f'ing idiot, but I got better but I am still dumb. If it last more than 7 years, then no. If you draw from out there and find a better paying assignment, then yes. Just do it child.
It is a uncompromising benefit in two ways...
It teach you control, once you understand how concrete it is to dig out of a situation, your smaller amount likely to jump there again.
Secondly, it will boost your credit rating next to every on time expenditure and paid sour debit. But be careful because in that is such a thing as too much credit.
Source(s):
Suzy Orman.com
Once glum information falls past its sell-by date a credit report (after 7 years), can it be put final on?
In other words, when I contact the collection agency who has my default student loan, and ask to rehabilitate, or pay stale, my student loan, will the negative information that have long disappeared from my credit report (because it is older than 7 years old) reappear on my credit report? This seem to be a question to which nobody know an answer. Does anyone here know? Thank you.Answers:
When a company looks at your credit report they can go as far hindmost as they want. Yes it may technically have fall off your credit report but it could still affect you contained by the future. The things you haven't rewarded will find you. So it boils down to what do you need angelic credit for? A car you're fine. A house you involve to fix that. Eventually you will need a house loan so it's best to be prepared. Live for a time tight and do without a few things. But righteous credit is worth it.
Other Answers:
the best way to find out would be to inquire of adjectives 3 major credit report companies
Yes. You're better off to a short time ago let it slide. I know you want to do what's right but once you start paying it, it 'renews' the information. The student loan is written past its sell-by date by now. I newly recently saw this on Oprah (she have financial experts on helping people next to debts) so go to her website - she may hold some of the info up still. Not if you simply pay it adjectives off contained by one lump sum.
It could, because the gloomy items stay on your report 7 years from the last date of delinquency. Also, even if you clear it, it may appear as a paid collection. Collections, whether salaried or unpaid, are derogatory.
What are the pros and and cons for using the equity built up within my house to remuneration past its sell-by date credit cards.?
Comments...Suggestions, etcThanks.
Answers:
Pro: because your house is tied to the loan it nearly always make the interest tax deductible (your situation may vary).
Con: Unless you resolve the underlying problem of spending money you don't enjoy, you will likely lose the house as economically.
I use credit cards every day. I compensate off the match every month. By doing so, I use the credit card issuer's money and pay NO interest. Essentially they dispense me a 30 day loan that I don't hold to apply for and don't have to money interest on whenever I want it. Better still, with a Discover card, they even reward me to use their card by way of their dosh back bonus!!
Worth investigating; worth doing. Just trademark sure you've learned your lesson earlier you risk your house too. With a little self control and for a time time, you CAN beat the credit card companies and capture your life put money on.
Once you pay rotten the cards, take that money you be paying for the debt and start putting it into savings so you don't enjoy to go into debt for those emergency "big ticket items" after that on.
Other Answers:
Depends on how much you are borrowing. The best way for me to explain is to use an example, since abundantly of banks/lenders will let you do what they permanent status a 'cash out refinance' and allow you to take more money out than your previous loan. If you're within the situation, then, I'd say-so the biggest con is possibly owing more than your home would be valued at. When you do a refi to pay bad debts, do the math yourself. Aside from all the fees, work out the interest and payments. Doing the refi doesn't always agree to you spend less money, it only makes one reimbursement for you, because the time spend in paying sour the amount you borrowed to pay the CC's may gather together in more interest than you would enjoy paid surrounded by the first place.
I guess a pro would be if you really have deeply of equity and even if the payment rota would be around the same, you'd more than expected save money on interest by taking out the home loan to pay packet the CC's off.
Obviously if you get an equity loan or refinance your house you lose equity you've gotten on your house. So when you vend your house you won't have as much extra bread in your pocket. Also, if you refinance, it's possible that the expediency of your house could depreciate so if you sell your house contained by the near adjectives it's always possible you won't procure as much out of your house as you owe. However it's not very credible that would happen.
The pros I suggest out-weigh the cons. You get rid of your credit cards and a house loan's intrest is lower than a credit cards. I would articulate go for it, do a refinance. I'm a bill collectore for Discover Card so when citizens are struggling to pay I usually convey them to get an equity loan or refinance their house if they own one. Pros: You can dwindle your interest expenses, since credit cards usually have better rates than mortgages.
The interest you pay on the home equity loan may be export tax deductable, saving you on income taxes.
Cons: If you run ahead and run up the credit card debt again, you will put yourself in a worse position. If you don't settle up off that debt, you lose your house,
if you merley retribution off the creidt cards as you can, and can't income you can't lose your house. The only channel the pros out way the cons is if you achieve rid and cancel adjectives credit cards. Yes you should always hold some kind of debt to build credit but apparently it's not to your benefit. If you see yourself being competent to find a way to cut vertebrae and pay sour the credit cards in a hope oriented demeanour then don't acquire a loan but if not extend your loan for as long as you've already rewarded. Think of how much money you've already paid into it and haven't be able to spend on the things you needed or needed. Whatever you do talk to a credit counselor that can evaluate your personal situation and relate you what exactly would be best for you. Without knowing how long you've already been within your house and how many credit cards you hold, I can't accurately tell you which move would minister to you the most.
Who's number is 786-513-2396?
I accidentally sent some personal info to this fax number. Who does it belong to?Answers:
i can't give you a cross, but it's based surrounded by miami florida, and is registered to Global Naps, Inc. - FL
if you search the number on https://find.intelius.com/" title="https://find.intelius.com/">https://find.intelius.com/ you can purchas the information you're looking for for $15
hope that help!!
Other Answers:
I looked it up but couldn't find it.
It's located in the Florida Keys though.
Hi,
Here is what I found through a "reverse Lookup"
INSTANT PHONE REPORT
Phone Number (786) 513-2396 – Information Available:
Name - Available
Phone Company - Available
Phone Location: MIAMI, FL
Report includes match for up-to-the-minute phone listing updates, unlisted, non-published, cellular, residential, business, bleeper, pay phones, and other phone types. Address will be planned in report when available.
its yours or your dad's
Try anywho.com and use "reverse look-up".
can you explain to me what trellis site i can look up for wi bankrupcy chapter7or13?
Answers:
http://wis-law.com/bankruptcy.html
http://www.wisconsinbankruptcy.com/
these 2 should help
Other Answers:
The best FREE collapse info site is below:
Source(s):
http://www.no-bull-guide.com/bankruptcy/
You can avoid having to report bankruptcy. How fruitless are things for you right now? is a mortgage involved? In what state do you reside?
I ask these question because I want to offer you something more than what it is that you muse you want to do. Bankruptcy is a very bleak idea and if you don't own a plan on how to recover from it you might as okay by a casket too.
What is the annual income of a commercial pilot?
Anybudy know What is the annual income of a commercial pilot??Answers:
It depends what he or she flies and to where. E.g. a 747 pilot working for Cathay Pacific flying LHR to HKG can earn upto GBP300k pa!
Other Answers:
it vary on the level whether he is a senior or a junior.okay,i m teling u the monthly income-
FOR AIR-FORCE PILOT-80,000
FOR PUBLICALLY OR PRIVATE COMPANY(e.gAIR INDIA)-upto3 LACS
Source(s):
MY DREAM TO BE AND MY KNOWLEDGE Really I have No idea the income but i other did love to fly a plane.
How do you bring back a credit card company to lower your interest rate in need lowering your credit ranking?
Answers:
Just call and ask them to lower your rate. You will be suprized at how confident it is. It will not affect your credit rating at all.
Other Answers:
they don't lower your credit rack up....only course to lower score is to several inquires on your credit or bad credit.
I am not sure you can. BUT!! You must acquire offers from other credit cards almost on a daily basis (I do.). They will let you verbs your current debt to their card, and usually they have no charge to do so, PLUS they will tender you a very low interest rate (sometimes no charged interest)for a few months, usually six. Then an interest rate does see in; however, it may ably be lower than the one you are now paying.
Good luck!! I hope this help.
Your credit score have nothing to do beside your interest rate. Your credit score is base mainly on timely payments and enhanced if your balance is available not when it is up to the put a ceiling on each month.
Several times I enjoy called my card company and gotten my interest rate dropped. This have no effect on my credit score. I have one card that had a excise per year that they would waive each year. I finally get tired of calling and closed that account out contained by lieu of a better offer contained by the mail I received.
what seizure policies are employed on accounts receivable ?
Answers:
There really is no such thing as a taking back policy for accounts receivable. If the people or company you extend credit to stiffs you you're SH*T out of luck near only the possibility of writing bad the loss at the end of the year for rates purposes which by the way is just a percentage of.
Other Answers:
That depends on the company.
I am the Collections Specialist for a Law firm. When I arrived the firm was contained by the RED big time. I have employed a recompense now no recompense later policy. I own implimented payment plans (debit card and credit card only) that I reduce by either weekly, bi-weekly or monthly from the clients. I've also implement 2 billing cycles. A-L bill on the 15th, and M-Z bill on the 30th.
I telephone bid the clients, I mail delinquent notice, if client doesn't pay the Attorney Withdraws from their crust virtually leaving the client With OUT COUNSEL!
If client still doesn't salary bill in full I label several attempts to collect from them myself.
Collection agency is the last alternative. Once it hit that point Receivable is uncollectable contained by my book. Better to write it off and see if the collection agency can receive a bit of something out the client!
a certain percentage of accounts receivable deem uncollectible is always written-off by a company after a particular number of days - this percentage is based on departed collections, depending on the company.
I work for a large distribution center as an A/R clerk. In our luggage shutting down your ability to receive merchandise is usually all it take. But then we don't run customers that can't afford to buy less than 5000. a month. We do not use collections. We are a fortune 500 company and we would simply first charge you a 2% on your unpaid harmonize and that is when it is 10 days slow then close your explanation. Worse comes to worse we write off the debt. However us not selling to you is the worst article that happens and you necessitate us to keep you surrounded by business if you buy our product.
Anyone surface resembling paying stale my student loan?
I don't have a duty, trying like crazy to find one but it's really hard.. my loan is 46.154$Answers:
No appreciation. Just relax, you'll eventually get one. I know, 'cuz I've be there done that.
Other Answers:
what are you ready to do to earn it?
fancy paying sour my mortgage for me? Don't pay ur loan, if the study that u own done out of it.. doesn't earn u to repay it..
I'm working on getting mine written sour due to dissability. You should just ring SLS and request for them to give you some time to find a commission. Sorry I cant think of what they give the name it.
go work contained by mcdonald or a busboy in a grocery store. trademark yourselves useful. don't basically sit around asking people to reward for you. if you get bad your 'behind' and logoff and get out of the house and budge look for a job.nice try I don't know what kind of point you are getting, but there are lots of ways the legitimately achieve your student loans paid bad and do good for society, as ably. For instance, nursing. Nurses have opportunity to get their student loans remunerated off surrounded by increments if they go to work for a VA hospital for a contractual length of time. Educators can get theirs salaried off but taking guideline jobs for a few years contained by "no so desirable" school. Good luch.
Get a life!!
Source(s):
me bi tch
acquire a job! If you're still within school (at lowest part-time), ask about a deferral. It delay payments until you're out of school (either quit or graduate). Depending on your circumstances, they can even defer interest until afterwards. Ask you financial aid office at college or call the student loan place (whoever you income the loans to).
how much the price of Gold will turn up contained by subsequent week?
Answers:
I dunno, but what the hell is on that cat's head?
Other Answers:
I presume it's the skin of a lime or something
whats the price of gold immediately?
What the term GOLD medium??
my crystal ball is surrounded by the shop, so I'll take a guess.... um... a million dollars an ounce?