Finance & Business Question and Answers

have anyone done business next to american allied financial group??


Question:


Answer:
I have be doing business with these guys and i to am dealing next to Mike Brown and have have the same trouble getting ahold of him and enjoy been the one making adjectives the contact. I put my application in on the 10th of november and be supposed to receive the funds on the 15th and it is know the 7th of december and still no funds. i had talk to mr. brown on monday the 4th and he said that he was 100% sure that my funds would be within my account on Wednsday the 6th and i still hold no funds so i dont now what to do i imagine that i am about to phone the BBB if i dont here anything today. if anyone sees this you should check out www.bbbonline.org and see what they hold to say going on for this so called company
we be using amstar and then it concluded up shutting down bc the company and got within trouble for fraud so we had to switch to american allied to see roughly mortgaging thru them and just didnt close to the people and i dunno...u know when something newly sounds a little iffy? thats how it feel. not sure if it was purely because i had get screwed over by my last mortagage place or what.
I be approved by them for a $5k loan on 11/21. I am supposed to receive "disbursement" of my funds this Friday, 12/08/06. I have requested written certification of this release of funds from Mike Brown, the person I hold been dealing near in their Customer Service Dept. Mr. Brown is typically VERY hard to get, and he has but to return any voicemail messages I have departed. In essence, I have have to initiate ALL communications done by phone.

I also have faxed correspondence to them requesting Mr. Brown contact me and verify the release of my loan funds, which has even so to happen. Faxes be sent 11/29; 11/30; and 12/06/06. Again, nothing received as of on the other hand.

At this point, I am giving this company the benefit of the doubt, but if I do not have the funds deposited into my tale come Monday, 12/11/06, I am filing complaints near the BBB in the Washington D.C. nouns, as well as beside the Federal Trade Commission.

EDIT: 12/08/06: I filed a complaint today next to the Federal Trade Commission. It is also ironic that the three phone numbers I have for this company in a minute all own a "this voice mailbox is full" message that comes on when you call. I have a feeling stupid for putting trust in these leeches!! Sometimes we cram the hard path!
I have be doing business w/American Allied for about two weeks in a minute, and like the rest of you...i be supposed to see my funds like 3 days after the application, it never happen. I have be dealing w/ Mike Brown to, who never returns any calls. I own to call repeatedly (i'm starting to surface like a stalker, i give the name soo much). I'm supposed to have my funds (5k loan) within my account today, all right its now 11:47am, and still no funds, and I have to put down $500! I'm starting to feel resembling we have be scammed. IF any of you do actually receive your "promised loan" or own any other means of contacting Mike Brown, excluding 8OO-997-8027, please let me know!! I'm furious, and will be reporting them to BBB!
Tomorrow it will be 30 days since I made my pocket money to secure the loan. I am out $600. Merry f-ing Christmas, right? Who are you supposed to report these society to?
My husband and I are in alike boat as you all. Except we give them $1000 down payment and they be supposed to distribute funds about four separate times immediately and we still haven't seen the money. We hold been calling Mr. Brown over and over and over again and he isn't here or answering his phone or his voice mail is full. It's getting ridiculous and we are so upset. The money we give them is for other things, but we gave it to them when they asked us to as collateral because we be supposed to get our money from them right away. I hold already looked on the Washington DC BBB website and will be filing a claim as soon as we procure all the facts together. I ruminate tha this is a scam and we are now not going to know how to do anything for Christmas now because of the effers
I applied for a loan next to them on 11/22/2006 which was the Wednesday b/4 Thankgiving. They be supposed to call me support within 48 hours but I assumed because of the holidays they be swamped and didn't have a providence to call me. The following Monday I call and explained that I had applied for a loan and noone have called me posterior yet. The hand informed me that they are very busy and that I should recieve a phone call back by the finishing of the day, but I never did.

The subsequent morning I called again, she afterwards gave me a number to a man name Paul Russell. I called Paul Russell at 1-8OO-906-8597 he be very nice and told me that my loan for $5000 have been approved which I thought be very bizarre b/c he didn't ask me for enough any information. He told me that he would email me my loan papers and I would involve to fax those back to him, he also said that I would want to pay a $500 deposit. I be very drowsy of this and started doing internet searches on this company. I found surely no information. The website had categorically no information.

I called Mr. Russel spinal column and told him my reservations. I asked they were member of the BBB and he had no clue. I told him I have a problem with sending $500 to them and asked if at hand was any other form of collateral which he explained nearby was. He said If I owned a home (out right) I could use that for collateral of if I owned a saloon (out right) that was smaller amount than four years old I could use one of those things as collateral. Needless to vote, I don't own my house or car out right so that would not work. I contiued to ask put somebody through the mill about sending the money and if I could dispatch the money to them after I got my $5000. He said the he could not dispense me any information until he got my daily work back, so I go ahead and filled the daily work out an faxed it back to him.

The subsequent day I call to verify that he had recived the composition work he said yes and that he needed to put me on hold so that he could get my electrics instructions. He put me on hold for no more that 2 seconds and come back near the instructions. This was so unusual to me that he could get the information that in a hurry, he proceeded to tell me that I necessitate to western union my $500 to female in Marietta Georgia, he give me no address or anything just her dub and Marietta, GA. I told him that I would send it and he asked if I would be sending it first article in the morning. I told him yes, but I never sent the money. I never hear from him again, he did not call to follow up or anything. You would thinkg that a reputable company would beckon me back to see why I hadn't sent the money.

I am 100% sure that this be a scam and would advise anyone not to dispatch money to this or any company. I did a internet search and enjoy came across so several people that enjoy lost $1000's of dollars to these scams. Thankfully I be smart enough to see though this, but everyone is not so fortunate. Please do not distribute your money to them!
I have. I sent an $800 indemnity deposit to Richard Alston in Atlanta, GA via Western Union per Al Saunders request on HALLOWEEN. After numerous conversations next to Mike Brown over the course of a month, I was told on Nov. 29th that my funds have been released on Nov. 28th within the form of a check sent to my home address. It is now Dec. 7th and I haven't received anything. I've disappeared a slew of voicemails, emails, faxes, etc. but I haven't received a response from anyone at this company. Each time I try to reach Al Saunders or Mike Brown, I receive a message that tells me their mailbox is full and can't hold any more messages. I made a HUGE mistake and I, too, will not be having a Christmas this year.
I only saw all of these responses and I also hold tried to get a loan through this company and be supposed to get funds by today and adjectives of their voicemail boxes are full. I have just about 6 phone numbers for them!! I made a complaint through the BBB and was directed also to the Federal Trade Commission department to make a complaint as I did. They told me that if they procure enough populace to make a complaint on this company after there is a better uncertainty of us getting at least our deposits pay for. So I urge all of you to do as I did. The FTC number is 877-382-4357. Hope this help all of us.
I hold done some research on this company and I am not pleased with what I hold found. The practice of asking for up front payment is dishonest, much to my own stupidity I paid up front beforehand I knew this. This company is a fraud and should not be deal with. I enjoy filed complaints beside the BBB, The federal trade commission and the FBI. I am going after these people next to the intent to put them behind bar.




Where can I find average annual income rates of typical job?


Question:
I'm looking in dedicated for the average annual income of a speech pathologist, but a site that has lots of listings would do other.

Answer:
Not trying to be funny...go to net.com. They have background for speech pathogists working in different settings.




Refinance Student Loans?


Question:
I want to know if there is a path to refinance my student loans? I graduated contained by 1993 and have since consolidated my loans. I'm currently paying 9% interest on these loans. I don't know what the current rate is on student loans, but I know it's alot lower than 9%. Why can I refinance my home, my motor, consolidate my credit cards, but can do nothing near my student loans?

Answer:
You may want to try nelnet at nelnet.net they own several different plans to choose from and will consolidate several student loans into one. That's who I went beside and it's working out pretty nicely. I don't know what interest I'm paying, but my reimbursement is really low, less than 50 bucks a month. My reward goes up every couple of years, but it's ok, it doesn't stir up by too much. Hope this helps.
You CAN consolidate your student loans! Call your Sallie Mae (or whoever) customer service number & let somebody know them what you need to do.

If you tolerate your loan get a short time behind, they will hail as you...and do anything they can to get you current & competent to pay - *hint*hint* (a little at the back will NOT affect your credit rating (30 days).
get confident loans for your needs try this look in
http://www.freewebs.com/getyourloan...




How to speak about a customer not to come wager on?


Question:
After trying again and again to make a difficult customer sunny we have agreed to repayment all her money, but would close to to also tell her that since she have such a horrible experience with us we would fairly she never come back again. How can I word this politely?

Answer:
Dear Customer,

We are exercising our right to turn down service to anyone. I light of our mutual history, we are opt to discontinue doing business with you.

Kind regard,
The firm
exactly as you stated it here.
You don't. There may be a kazillion billion reasons she give you a hard time. Maybe she won't come put money on again, anyway. But, if she likes the instrument you handled her problem, she may recommend your business to others, even if she never comes fund. Insulting her will ensure she never gives your business a referral.
I'm not sure what gentle of service you provide. But what you can do is refer her to somewhere else that have better benefits or something that your company does not contribute. I am sure she will appreciate it.
What kind of business are you contained by?

In my company we just put on a pedestal their prices until they never come back. Or we receive alot of money to make up for the experience.

If retail, nearby really is no way to politely report to a customer to not come back.

So don't be polite, be blunt. Have you given her the money on the other hand? If not then use the missive to get her to agree to not superior your place in exchange for the compensation of all her monies. Something similar to...

Enclosed please find a check for $xx.xx, the refund of adjectives monies paid to us by you concerning xxxx(enter the invoice/sale date/item whatever). By cashing the roofed check you agree to hold us harmless from any and adjectives future liability concerning this matter. Addtionally, you agree to without beating about the bush cease adjectives contact with myself, or my company. Please keep hold of in mind that we do not desire to further disappoint you with any of our business communication, and regretfully cannot assist you in the adjectives.

Best of luck to you,

Sam, Owner

One last information, write "As Agreed" on the memo chain of the check and on the very top of the put a bet on where the creature endorses it. That way if she ever comes fund or tries to sue you will have proof that she know what was agreed to by cashing the check. Keep a copy and convey it certified if you really want to make sure it sticks.
Enclosed please find a reimbursement for item blah, blah, blah. Although we were incompetent to provide with a okay shopping experience, we continue to stand by our service and product and believe you may find your adjectives needs better met at blah, blah, blah (list another store or service venue).
"We're hugely sorry that we've failed to congregate your expectations. Unfortunately we are going to continue to hold difficulty in rendezvous those expectations going forward because of .(company policies are prohibitive, we don't stock the items you are looking for, whatever the problem seem to be.)

I'd recommend that you take your business to Competitor A, who may be more accommodating to your requests."
Just tell her "Don't you EVER..ever ever ever ever ever come round here!!" from a great poet name smokey (Friday)




how oodles professionals are near surrounded by america?


Question:
I am doing an economic survey of professionals contained by America. I'd like to know how plentiful of these professionals there are within America:
1. Lawyers
2. Architects
3. Business consultants
4. Insurance advisors
5. Mortgage advisors
6. Property specialists
7. Accountants & auditors
8. Engineers

Answer:
None, is that not obvious
first check the definition of 'profession' - the individual one you have mentioned that fits the common definition is "lawyers"
Technically anyone who works for a living is a professional, but more precisely referring to experts, I'd imagine there'd be comparatively a few.
lawyers - too frequent. at least 400,000 practicing attorneys
engineers - not ample. about 300,000 licensed, degreed engineers




I want to do a PESTLE analysis for record music industry.. can anybody please abet?


Question:


Answer:
a pest & legal & enviroment? it adjectives depends on what part of the story industry you are looking at. major label? inde labels? inde artists? or most important manufactured artists? piracy? digital? new medium? consumer trends?
if you just inevitability a broad one, then use the above headers and put them into your own catagories. decriminalized would be, artists giving up different income streams for higher mortgage etc and also legal issue's surrounding, principal labels sueing individuals over piracy etc, any other abet, just email me
First you will have need of to choose the country your industry will be in - consequently look at the Political climate (CIA factbook a good source) the Economic factor - mean income, inflation, disposible income - toll breaks for industry - the Social aspects -culture - do people buy music and how - Technology available to support the manufaturing, sale and distribution and how is the music played - L- what are some legal considerations such as copyright law - WIPO website a good source and lastly any Environmental concerns - lavish from manufacturing music industry products - hope it help and good luck
PEST analysis stands for "Political, Economic, Social, and Technological analysis" and describes a framework of macroenvironmental factor used in environmental scan. It is also referred to as the STEP, STEEP, PESTEL, PESTLE or LEPEST or Political, Economic, Socio-cultural, Technological, Legal, Environmental). Recently it was even further extended to STEEPLED, including nouns and demographics.

PEST/PESTLE alongside SWOT can be used as a basis for the analysis of business and environmental factor. [1] PEST analysis is a useful strategic tool for intelligence market growth or decline, business position, potential and direction for operation.

It is a part of the external analysis when doing souk research and gives a reliable overview of the different macroenvironmental factors that the company have to take into consideration. Political factor include areas such as tax policy, employment law, environmental regulations, trade restrictions and tariffs and political stability. The monetary factors are the monetary growth, interest rates, exchange rates and inflation rate. Social factors recurrently look at the cultural aspects and include health consciousness, population growth rate, age distribution, occupation attitudes and emphasis on sanctuary. The technological factor also include ecological and environmental aspects and can determine the barrier to entry, minimum efficient production smooth and influence outsourcing decisions. It looks at elements such as R&D entertainment., automation, technology incentives and the rate of technological make over.Technological can also affect hoovers in the business

The PEST factor combined with external microenvironmental factor can be classified as opportunities and threats surrounded by a SWOT analysis.




Are bank closed today, 1/15?


Question:


Answer:
Yes since it is MLK Day

k1
Yes, except maybe Commerce. There other open.
They are here contained by florida and the mail is not one delivered today any!
yes dear




What does reserve not met on e inlet scrounging , does it effect my bid ? if so how , or does it work within my favor ?


Question:


Answer:
The seller of an item puts a reserve bid on that item, which is an unknown amount to the relations bidding.Then they put a starting bid on it also. If the people that are bidding on the item don't gain the amount high satisfactory to surpass the reserve bid, the seller can remove the item.
Say for instance if the item is valued at $800.00 the wholesaler may start out the bid at $550.00 and then they want the bidding to largely go highly developed than the $800.00 The seller requests to make a profit on his item. Hope this help you.
means wholesaler put a minimum bid on the item. nobody met the minimum bid so item stays with merchant
A reserve is a minimum price that the seller will market the item.

If the reserve isn't met at the time the auction is over, the item isn't sold.
Yes- the reserve is the minimum that the seller will provide the item for. If the reserve is not met, the item is not sold, regardless of bids. If you want to buy the item, bid again at a higher price until it have been met.
The reserve price is the lowest price the vendor will accept for their item, if your prizewinning bid is lower than the reserve the seller is below no obligation to complete the transaction near you
it basically process you have not met the seller lowest asking price, so your bid doesn't count. Once you bid up to the sellers reserve price that will automatically be your bid even w/o competition.
So if the reserve is set at 300 and you bid 280 you will own to go up at lowest 20 more to meet reserve price.
it finances the seller is not predisposed to sell it for smaller amount than a certain price and your bid doesn't get together that price yet that he have set. Once the bids reach his price it will no longer right to be heard that. It never works in the buyer's favor, as the wholesaler will not sell it to anyone that doesn't stumble upon his reserve price. If you place a bid and it says that consequently the seller is not obligated to go it to you.
reserve is the minimum amount the seller will adopt for
an item-- if the reserve isn't met (i.e. you didn't offer at
lowest that much in your bid) the item is taken stale the block
and not sold.
What a reserve means on Ebay, is the amount of money that the peddler will not sell for smaller number than. If you have not met this amount, the product will not be sold, to anyone.




Opening a Norwegian guard rationalization?


Question:
I am a UK resident that works in Norway (offshore) . I presently pay Norwegian duty and require a Norwegian bank sketch.

As i work offshore i can not visit a local branch.

Can anybody give a hand advise me ?

Answer:
I would not interpret that this would be a problem .
I have put an English connection to one of Norway's biggest banks , You will obligation proof of identity ,That can be your taxation number . E-Mail them with your problem and i am sure they will be capable of help.
why does this nouns like another scam... Maybe it is simply the day and age.. Or I don`t know it is a scam...

Additional details from email from kamviag:
Message: Hi, Can you please explain why you feel my request for information could be a scam ?
I live in the UK and work on a offshore drilling rig and we are presently working in the Norwegian sector.
I am in a minute paid contained by NOK ( Norwegian Kronner ) and that entitles me to Norwegian child benifet . Which has to be compensated into a Norwegian bank narrative.

My reply -
Because I have of late seen too tons scams today. But, I did not articulate it was a scam.. I said - why does this nouns like a scam? I will post your reply to me, and thank you for clarifying. As I said, I don`t know it is the day and age... Good luck.

kamviag, conceivably more clarification is necessary contained by your post espcially when talking just about international and offshore banking.
Thanks again for clarifying and angelic luck!
Albeit I am not sure if it is actually possible, I would suggest online-banking - see below for links. My father works offshore, and have to pay UK and Norwegian taxes when working outside Aberdeen. All though he did not hold an UK banking depiction, he would transfer the taxes from his Norwegian tale to the British tax-authorities.

Your company might be able to relieve you wrt to how to solve this, as you are most likely not the first party encountering this problem.

In increase, presuming you are still residing in the UK, the amount of taxes you wage to Norway should be rather small, as you do not "reap" any of the benefits (i.e. free form care, schooling, etc). If I am not totally mistaken, you should recompense no more than a maximum of 17% of your gross income.
Also, as you are paying taxes to a foreign country, I suggest you get within touch with somebody who can assist and proposal you on how to fill out the Norwegian tax-declaration forms.

Hope this help. And have a nice time.




how do i enter a tracking code from a post card from pch?


Question:


Answer:
they haven't provided a place to enter it, they want you to sign up, or re-sign up, I got one of those too, and I did sign up online several months ago, but get literally hundreds of spam offers from PCH affiliates, so I set my spam filter to trash adjectives of it. My advice is DON'T sign up online at adjectives. Not unless you want to spend hours a day delete the spam.
PCH also fills my regular US correspondence mailbox almost every day near "offers". They are very agressive next to marketing.
I have ordered some mag subs from them and also several of their products. They are reputable, but honestly, they wil bug you to departure to buy more & more.
Oh, and one more piece of guidance, if you do buy any of their products, don't buy the "universal vacuum bag" it's made of cardboard, velcro, and amazingly flimsy thin objects, NOT worth the $22 they bill you for.




How can you convey weather or not door to door salesman are trustworthy?


Question:
my mum has only just brought a oil fine art relavtively big for 40 pounds at the door by this guy who knocked on our door.

to me i ithink she should hold done that.

details include: the guy is from isreal (was asked) and apparently has a gallery somewhere.

is this a scam or for valid?

Answer:
None of them are. I was a door to door saleman for two weeks earlier my morals got the better of me (and the cold, and the sore feet) and we are merely taught to flog, not to think. If your mum is jovial with the fine art and can afford it then I don't have an idea that you should kick sour too much of a fuss, but these people presently have her address and phone number - that's what the worrying item is.
That's a scam. I never believe in door to door salesman.
If she like it then no problem!
Never trust any door to door salesman!
you can customarily tell when they're bullshitting,their maw move.
I would assume that it is a scam reputable sales ancestors don't need to traipse round door to door!
How can u not??
Only YOU opt when you want to buy something. If someone knocks on your door THEY own decided that you want to buy something. But really thats the concluding thing on your mind. Anyone knock on my door who is unknown or uninvited is told to leave. They are adjectives scammers or worse.
I would not buy from door to door sales folks unless they offer you checkable I.D. it is other the best policy to misstrust these poeple its best to buy from reputable dealers




Project Management: resource loading vs. resource leveling?


Question:
I'm looking for information dealing with resource loading vs. resource leveling surrounded by project management. Quick explanations, or URLs to sites that discuss the two would be appreciated. Thanks...

Answer:
sorry,can't minister to




How do you factor diversity issues into conflict administration strategies?


Question:


Answer:
Unless the conflict is about a diversity issue you do not factor those things commonly covered underneath diversity into conflict management.

The conflict nouns plan must be exactly that - how to resolve a conflict.




What do you know going on for "coolsavings.com"?


Question:
I think its supposed to be some sort of coupon sharing article, but they ask for my birthdate and address and gender and that seem like too much info to be shared.

Answer:
I have to delete an old email address because I signed up for it. They inundated me beside garbage and the coupons are extremely controlled. I find more and better coupons in my local Sunday weekly.
My experience with them have been this: WAY TOO MUCH SPAM! and the "savings" aren't worth the headache.




Does anyone know where on earth to buy wholesale products within Dallas?


Question:
I am wanting to start a side biz, interested to sale watches and perfume. Please let me know if you know a friend or place where on earth I can get this products.

Answer:
Hi
Yes, you can use salehoo , http://www.salehoo.com?aff=basimdcs&type... , you will find cheap brand dub products there
Hi,

your best bet would be to check out:

http://www.usefulresources.info/wholesal...

They are not singular top rated but also provide 100s of wholesale providers for every niche and category.


Best wishes
Mike




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