#will be submitting a report to the better business bureau.

[alilyamongroses]

No but iPhone autocorrecting Motril to Motrin in Catalina’s name is literally antiblack

[disillusionedjudge]

New Blood, Old Name | open rp

With Dalmasca now secured under Archadia's rule, there had been a desperate scramble to get someone to fill the role of Judge Magister of the third bureau. Trade needed to be established and rules set in place to be sure the small desert kingdom was in compliance with the rest of Archadia. Yet, as rushed as it was to make her official, it came as no surprise when Gylfie was named Judge Magister in the stead of Takrin and her brother. After all, House Ynarra had become deeply tied to that particular bureau, just as House Solidor had become tied to the throne, and with one last Ynarra still breathing, it only made sense for her to maintain her family's legacy.

And as rushed as her promotion was, Gylfie wasted no time in doing what was needed of her. She quickly and cleanly secured trade to and from Dalmasca, connecting her to the rest of Archadia, and was willing enough to work with Ghis to establish a route for him when it came to his bureau. As difficult as he was, even she knew better than to make an enemy of another Magister so quick. That, and she wanted nothing to do with handling prisoners - it was messy business, that, and she had her hands full as it was. As long as maintained control over what she needed, she would be fine. And she would not hesitate to lunge at those who threatened her.

As proud as she was of her part in reining Dalmasca in, Gylfie was relieved to be back in Archades. The desert kingdom held her own beauty, no doubt, but the proud Empire was her home, and she wanted time to rein in Takrin's study as her own. Not that she planned to change much - after all, the study had remained relatively the same throughout the many hands of the Judge Magisters who had worked there - but it would be good to get used to it as hers. Besides, she had much work to get done, and she knew better than to push off paperwork for a later date. It was never-ending, after all, and she wasn't in the mood to screw up so quickly by something as small as failing to submit her reports on time.

With the door shut, Gylfie removed her gauntlets and helm, and left them upon the stand that stood behind the desk. She didn't lock the door in case she was summoned, but she hoped it would be clear enough she wasn't in the mood to be bothered as she got to work. A report would be needed to detail what she had done in Dalmasca and what she planned to maintain. Then, of course, there were permits she needed to assess, and she needed to make sure she filled out what Ghis needed from her to give his bureau the right authority...

Gods above, it was going to be a long night, wasn't it?

She pressed her hands against her face with a slow breath in, and decided to focus on the paperwork for Ghis. It would ensure he would be off of her back, and the less he hounded her, the better. But as she collected what she needed and tapped the quill against the inkwell to shake off the excess, a knock at her door made her pause.

For a moment, Gylfie remained silent, and glanced out the window behind her to make sure it was, indeed, still dark out. It was not as though she had been trying to remain unseen, and even if she was, she knew the light from the magicite lamps that lit the room would be spilling out from beneath the doorway. But she could not imagine who else would be up at that hour, let alone who would seek her out. Perhaps something had happened in Dalmasca on her return home? Or if Ghis was that impatient...

"Come in," she called as she shoved aside the thought to prevent her own temper from rising, and rested the quill back into the inkwell before she folded her hands before her. Her expression masked and unreadable as she sat still. Whoever it was best have a good explanation for interrupting her so late.

[cashappclosedaccount]

Cash App Closed My Account and Took My Money: What You Need to Know

Introduction

In recent years, Cash App has become a popular platform for transferring money quickly and conveniently. However, there are growing concerns among users who claim that Cash App closed their accounts and confiscated their funds. This issue can be distressing, especially if the money in question is crucial for personal or business needs. This article aims to provide a comprehensive guide on why Cash App closed your account, what you can do to retrieve your funds, and how to prevent this from happening.

Understanding Why Cash App Closes Accounts

Violation of Terms of Service

Cash App, like any other financial platform, has a set of Terms of Service (TOS) that all users must adhere to. Violating these terms can result in account suspension or closure. Common violations include:

Engaging in fraudulent activities: Any activity deemed fraudulent, such as creating fake accounts or engaging in scams, will lead to immediate account closure.

Suspicious transactions: Frequent or large transactions that trigger anti-money laundering alerts can lead to an account review and possible closure.

Linked accounts: Using the same bank account or card on multiple Cash App accounts can be seen as suspicious behavior.

Unverified Accounts

Cash App requires users to verify their identity to unlock full access to its features. If you fail to verify your account, your activities may be limited, and persistent use without verification can lead to cash app account closed.

Chargebacks and Disputes

If you frequently dispute transactions or request chargebacks, Cash App might view your account as high risk and opt to close it to mitigate potential losses.

What to Do If Cash App Closes Your Account

Contact Customer Support

If your cash app account has been closed, the first step is to contact Cash App Customer Support. Provide all necessary details, including your account information and any relevant transaction IDs. Be prepared to answer questions and provide identification to verify your claim.

Submit a Complaint

If contacting customer support does not resolve the issue, you can file a complaint with the Better Business Bureau (BBB) or the Consumer Financial Protection Bureau (CFPB). These agencies can sometimes expedite the resolution process.

Legal Action

In extreme cases where significant amounts of money are involved, you might consider seeking legal advice. An attorney specializing in financial disputes can provide guidance on whether you have a viable case and help you navigate the legal process.

Preventing Account Closure

Follow the Terms of Service

The simplest way to avoid cash app closing account is to adhere strictly to Cash App’s Terms of Service. Familiarize yourself with these terms and ensure that all your transactions comply with them.

Verify Your Account

Ensure your account is fully verified. This includes providing your full legal name, date of birth, and the last four digits of your Social Security Number (SSN). Verifying your account can reduce the likelihood of it being flagged for suspicious activity.

Monitor Your Transactions

Keep an eye on your transaction history for any irregularities. Report unauthorized transactions immediately to avoid having your account flagged for unusual activity.

Avoid Frequent Chargebacks

While disputes are sometimes necessary, frequent chargebacks can raise red flags. Try to resolve transaction issues directly with the other party before resorting to filing disputes through Cash App.

Understanding Your Rights

Fund Recovery

According to U.S. financial regulations, users have the right to recover their funds if a cash app account is closed. Understanding your rights can help you navigate the recovery process more effectively.

Regulation E

Under Regulation E of the Electronic Fund Transfer Act (EFTA), financial institutions must provide certain protections to consumers. If you believe Cash App has violated these regulations, you may have grounds to file a formal complaint.

Alternatives to Cash App

If you find Cash App’s policies too restrictive or unreliable, consider using alternative platforms. Some popular alternatives include:

Venmo: Known for its social media-like interface and ease of use.

PayPal: Offers robust buyer and seller protections and is widely accepted.

Zelle: A quick and secure way to send money directly between bank accounts.

Conclusion

Having your Cash App account closed and funds confiscated can be a frustrating experience. However, by understanding the common reasons for account closure and taking proactive steps to ensure compliance with Cash App’s policies, you can minimize the risk of encountering these issues. If your cash app account is closed, swift action and knowledge of your rights can help you recover your funds.

For those who have had persistent issues with Cash App, exploring alternative financial platforms might provide a more reliable solution.

[maryannmccarra-fitzpatrick]

#DRI

#SocialMedia

#SocialMediaMarketing

#PeekskillNY

#CityOfPeekskill

#PeekskillNewYork

#HudsonValley

#WestchesterCounty

#SocialMediaContent

#OrganicAd

#PedestrianFootTraffic

#Marketing

#Commerce

#DEI

David McKay Wilson

Adam Stone

River Journal

lohud

Spectrum News 1 Hudson Valley

A couple of questions occur to me……how much was paid to formulate the “Plan” in 2011 and the “Survey” in 2012, for instance? Were either of these implemented, and with what effect??

……………………………………………………………………

2011 - Cultural Heritage Tourism Strategic Plan

https://cityofpeekskill.com/366/Cultural-Heritage-Tourism-Strategic-Plan

…………………………………………………………………

2012 - Downtown Retail Consumer Survey

https://cityofpeekskill.com/364/Downtown-Retail-Consumer-Survey-2012

………………………………………………………………..

2020 DRI Grant #Peekskill

https://cityofpeekskill.com/DocumentCenter/View/771/Peekskill-Downtown-Revitalization-Initiative-Strategic-Investment-Plan-2020-PDF

A recent post from Chloe Wareham-Gordon:

“Hello friends and neighbors,

Inspired by Lia of The Lounge House’s recent on-point/accurate post re: lack of pedestrian foot traffic downtown on another community FB group, I feel compelled to share what I’ve been working on of late.

I submitted a FOIL request a few weeks ago for the W&C $174k November 2023 to November 2024 contract with the City as part of their DRI-delegated funds.

Ultimately, they are getting paid $174k to increase tourism/foot traffic and establish a DEI-focused brand tone, kit and voice to amplify diverse voices in our beautiful city.

As I wasn’t see much re: these efforts, I put in the FOIL request and executed an informal audit. My finding raised a lot of key questions that city leadership hasn’t answered yet, most specifically:

1. this company is getting paid tens of thousands of dollars to run inorganic ads, but per Facebook’s page transparency rules, I cannot see any ads carried out. If this is the case, where are those funds that were meant to go to inorganic ads?

2. the rates that the contractors and subcontractors are getting paid are high compared to industry averages (in my opinion, like I calculated the DEI officer is getting paid $200/hour, or $4000/month for 20 hours of work per month as mentioned in the contract)

3. according to reports, the DEI subcontractor (who is not a DEI-expert specifically, but is an events organizer who already runs the Peekskill Farmer’s Market), has taken over the content curation and posting roles of the project, with no clear social media growth portfolio, sans her personal business account, which she admitted to purchasing followers on (as is clear to any social media-savvy, discerning person).

4. The main contractors have a D+ rating with the Better Business Bureau and even an outstanding complaint. I can’t find positive reviews for them anywhere online. https://www.bbb.org/us/ny/mount-kisco/profile/marketing-programs/weinrib-connor-0121-87173274

5. as we are on month 7 now of this contract, and an estimated $104k has been paid out to this agency, while they have not met many deliverables per their timeline, including launching a new commerce site, Peekskill.com/discover, logo/slogan, brochures, hiring a city spokesperson, running paid ads, etc. when will the excuse of “delays” be deemed unacceptable? Local business owners are struggling due to lack of pedestrian foot traffic downtown; we need the marketing and commerce now.

6. why has there been such little penalty for unmet deliverables and oversight from marketing pros, as the project advisory committee only met once at the inception of the project?

7. the content posted so far on the city’s new IG page and FB page is underperforming re: reach, likely watch-time retention and interactions. Why did the contract not include clear KPIs (or Key Performance Indicators) to ensure that enough eyeballs would be reached?

8. Why is the city paying for the agency’s Hootsuite subscription? Agency norms typically don’t involve the client paying for such business expenses.

9. Why are the “filming/director” fees so high? I’ve never heard of such an expense for filming social media content…

10. Re: the inorganic ads, how were they to be tracked, and which were the primary demos aimed at being reached?

11. For such a DEI-centered project, what is the process for a citizen to submit their content feedback and thoughts? What is the goal re: outreach to the Hispanic community locally, which makes up 46% of the city or over 10k residents?

12. Why is there no mention of collaborations with local businesses, nonprofits, influencers, community groups, etc.?

13. For the 24 videos they are supposed to share by the end of the contract, are those all short-form, long-form… Is it overall and to be shared to each platform?

Overall, I came up with over 100 critical questions, but these are the most urgent to respond to.

I would recommend looking over the contract yourselves and then sharing your thoughts.

How should the city create effective tourist-centered assets, while still amplifying municipal/community announcements? How often do you see their posts? What do you think of the work that the agency has done?

I want to establish that I’m not alone in my frustration and concerns that Peekskill isn’t adequately marketing itself.

What recommendations would you have for the city re: marketing and branding? I can forward your responses via email to city leadership. Or you can email them yourselves with your thoughts. Our voices need to be heard. “

FOIL PDF: https://drive.google.com/file/d/1lFGcOOspN_wD4dTKXZ9jYxG9LUm3zqsq/view?usp=drivesdk

A summary of my informal report on it: https://docs.google.com/document/d/1-m2iM2f2dRx-8l8-WPlyxw0jROikFhrNYLM1Xaj3dic/edit

I created this Google Form for if those want to submit feedback about the City’s marketing efforts anonymously/off Facebook. I will share it with City Leadership: https://docs.google.com/forms/d/1U0fEfo2JadJvWCRYtSIIDiKqTSYpj9X2Q57kDmyiFPQ/edit

[legalhub16]

LABOUR AND INDUSTRIAL LAW

TRADE UNIONS ACT 1926 - OBJECT AND SALIENT FEATURES

Introduction

Trade unions are associations of workers and employers established with the purpose of safeguarding and advancing the interests of their members. Trade unions have gained progress as a result of swift industrial advancement. The workers collaborate to protect and enhance their ability to negotiate for better wages and working conditions. The Madras Labour Union, established in 1918, was the first organised trade union in India. Trade Unions have not been limited to workers exclusively since their inception. Since the 19th century, there have been employer's groups such as Chamber of Commerce and Industrial groups. These associations were established to safeguard and advance the interests of their members in a coordinated manner. Following independence, the growth of industrial activity and the formation of worker's Trade Unions served as a catalyst for the strengthening and extension of employers' organisations. The Trade Union Act of 1926 was a significant milestone in the history of Trade Unions in the country. The Act granted legal recognition to the Registered Trade Unions and provided them and their members with a certain level of protection against civil lawsuits and criminal prosecution. The registration of unions elevated their standing among the general population. The legislation provides safeguards for registered trade unions in specific situations, shielding them from potential civil or criminal repercussions. Employers and Registered Trade Unions must annually submit mandatory reports to the Registrar of Trade Unions in their respective States/Union Territories. These reports should include information on membership, sources of income, distribution of expenses, and details of assets and liabilities. The Registrar of Trade Unions then compiles a consolidated report on all these aspects and submits it to the Labour Bureau using specified forms.

I. Important Definition

Trade Union - Trade Union means any combination, whether temporary or permanent, formed primarily for the purpose of regulating the relation (a) between workmen and employers, or (b) between workmen and workmen, or (c) between employers and employers or for imposing restrictive conditions on the conduct of any trade or business. It includes any federation of two or more trade unions.

Registrar - A Registrar of trade unions appointed by the appropriate government under section 3, and includes any Additional or Deputy Registrar of trade unions.

II. Procedure to become a Member

A registered trade union may be joined by anybody who is at least fifteen years old. Subject to the trade union's regulations, any such member is free to use all of their membership privileges, carry out all tasks, and make all contacts required. Nevertheless, he cannot hold a trade union office until he becomes eighteen. Only those who work in trade or commerce that includes an industry are eligible to start or join a trade union. As such workers cannot organise a trade union, they are employed at Raj Bhawan for domestic and other tasks. Likewise, the registration of a labour union is not a right of government employees performing sovereign and legal duties.

III. Registration of Trade Unions

The registration of trade unions is facilitated by the Trade Unions Act, 1926. The Registrar of Trade Unions may accept applications for trade union registration under this Act (Section 4) from any group of seven or more members who have subscribed to the union's rules and who otherwise meet all requirements pertaining to registration. As proof that a trade union has been properly registered under the Act, the Registrar issues a Certificate of Registration in the appropriate form.

IV. Cancellation

A trade union's certificate of registration may be withdrawn or cancelled by the Registrar in two situations: (a) on the application of the trade union to be verified in such a manner as may be prescribed, and (b) if the Registrar is satisfied that the certificate has been obtained by fraud or mistake, or that the trade union has ceased to exist and has willfully and after receiving notice from the Registrar, constitutes a violation of the provisions of the Act.

V. Dissolution

Within 14 days of a registered trade union dissolving, notice of the dissolution signed by seven members and the secretary of the trade union must be sent to the Registrar, who will register the dissolution if he is satisfied that it was carried out in compliance with the trade union's regulations and that it will take effect from the date of such registration. The Registrar shall divide the funds among the members in such a way as may be prescribed where the dissolution of a registered trade union has been registered and the trade union's rules do not specify how the funds should be distributed upon dissolution.

VI. Limitations

The Trade Unions Act of 1926 does not require trade union registration. The Review excludes information about unregistered trade unions. However, the response rate of states submitting returns to the Labour Bureau is relatively low. In 2007, only 7.7% of registered trade unions from 20 states/union territories submitted returns, while in 2008, only 11.5% of registered trade unions from 13 states/union territories did the same. The numbers are not directly comparable to previous years.

[everywherenyc]

Here are the steps on how to file a complaint about Facebook to the Better Business Bureau (BBB):

**1. Visit the BBB website:**

Go to the BBB website and search for "Meta Platforms, Inc." (the parent company of Facebook). You can also find the link directly on Facebook's BBB profile: [https://www.bbb.org/us/ca/menlo-park/profile/electronics-and-technology/meta-technology-company-1116-385674/complaints](https://www.bbb.org/us/ca/menlo-park/profile/electronics-and-technology/meta-technology-company-1116-385674/complaints)

**2. Click on "File a Complaint":**

On the company's BBB profile page, scroll down to the "Customer Reviews & Complaints" section and click on the "File a Complaint" button.

**3. Select your location:**

Choose your location from the drop-down menu. This will ensure your complaint is directed to the correct BBB office.

**4. Fill out the complaint form:**

Provide as much detail as possible about your complaint. This includes:

* **The nature of your complaint:** Describe the problem you experienced with Facebook in detail.

* **When and where the issue occurred:** Be specific about the dates and times involved.

* **Any attempts you made to resolve the issue with Facebook:** Briefly describe any steps you took to contact Facebook customer support and what the outcome was.

* **Desired resolution:** Explain what you hope to achieve by filing the complaint with the BBB.

**5. Upload any supporting documentation:**

If you have any screenshots, emails, or other documents that support your complaint, you can upload them to the BBB website.

**6. Review your complaint and submit:**

Carefully review your complaint for any errors or typos before submitting it. Once you're satisfied, click the "Submit" button.

**Additional Resources:**

* **BBB Scam Tracker:** You can also report your issue to the BBB Scam Tracker. This database allows consumers to share their experiences with scams and helps the BBB track and warn others about potential threats.

* **Facebook Help Center:** If you haven't already, you may want to try contacting Facebook directly to see if they can resolve your issue. You can find Facebook's Help Center at [https://www.facebook.com/help](https://www.facebook.com/help).

**Things to keep in mind:**

* The BBB is not a government agency and cannot force businesses to resolve complaints. However, filing a complaint with the BBB can help raise awareness of your issue and encourage Facebook to take action.

* The BBB may take several weeks to process your complaint and contact Facebook.

* Be patient and persistent in your efforts to resolve your issue

[webprotildo]

A Step-by-Step Guide to Background Checks: Web Protildo

 Performing background checks is an essential process in various contexts, including hiring employees, screening tenants, or assessing individuals for various purposes. Here's a step-by-step guide to conducting background checks:

1. Identify the Purpose:

Determine why you need a background check. Common reasons include employment screening, tenant selection, volunteer vetting, or assessing a potential business partner.

2. Obtain Consent:

Ensure you have written consent from the individual you plan to screen. Consent is usually obtained through a signed release form. This is crucial to comply with privacy laws.

3. Gather Information:

Collect necessary information about the individual, including their full name, date of birth, social security number, driver's license number, and current address.

4. Choose a Background Check Service:

Select a reputable background check service or agency. There are various online and offline options, each offering different types of background checks. Make sure the service aligns with your needs and complies with applicable laws.

5. Verify the Service's Legitimacy:

Check the background check service's credentials, reputation, and compliance with relevant regulations. Look for reviews, ask for references, or check with the Better Business Bureau.

6. Select the Type of Background Check:

Choose the specific Background verification process that best suits your needs. Common types include criminal history checks, credit checks, employment history checks, education verification, and reference checks.

7. Provide the Required Information:

Submit the individual's information and consent form to the background check service. They will use this information to conduct the check.

8. Review the Results:

Once the background check is completed, carefully review the results. Look for any discrepancies or red flags. Be aware that some information might be protected by law and cannot be used for certain decisions (e.g., certain criminal records for employment purposes).

9. Notify the Individual:

If the background check results affect a decision, inform the individual of the findings and provide them with an opportunity to dispute or clarify any discrepancies.

10. Comply with Regulations:

Ensure you adhere to all relevant laws and regulations, such as the Fair Credit Reporting Act (FCRA) in the United States, to protect the rights and privacy of individuals being screened.

11. Document the Process:

Maintain accurate records of the background check process, including consent forms, the information provided, and the results. This documentation is crucial for legal compliance.

12. Make Informed Decisions:

Use the background check information to make informed decisions based on your initial purpose. It could involve hiring an employee, renting a property, or entering into a business partnership.

13. Protect Data:

Safeguard any sensitive data collected during the background check process to ensure privacy and security.

14. Review and Update Policies:

Periodically review and update your employee background verification policies and procedures to stay compliant with changing laws and best practices.

Always consult with legal counsel when implementing background check policies, as regulations may vary by location and the purpose of the check. Be sure to treat all individuals fairly and ethically throughout the process.

[iraempirecom]

Madison Trust Company Complaints

What is Madison Trust Company?

Madison Trust Company offers its clients an extensive selection of financial goods and services. The corporation increases its financial status both today and in the future. The Madison Trust Company serves customers in around 50 states & manages more than 3.5 billion dollars in assets. To assist its customers in staying on track financially, the firm offers asset-based charges, a customer-focused strategy, continuous assistance, and flat-cost pricing.

The custodian provides investors with a wide range of investment possibilities, including real estate, notes of promise, and metals that are precious, amongst others. Continue reading for an analysis of Madison Trust and its services read: Madison Trust Company Reviews.

Madison Trust Company Complaints: BBB, Trustpilot, SitejabberRead all the Madison Trust Company Complaints

Better Business Bureau (BBB): On the Better Business Bureau website, Madison Trust Company has a 4.84 out of 5-star rating. They are since 9 years in the business. Many complaints have been filed against the company and its owner.

Madison Trust Company Complaints on BBB #1. According to a BBB complaint, Madison Trust Company is purposefully stalling withdrawing funds so that they are able to charge me a quarterly management fee. To begin, the company is a bad commercial practice. The company, on the other side, has responded to the concerns and apologized for any accidental inconvenience that the client may have encountered. According to the company, there are numerous processes that might be taken while shifting funds or closing an account. It states that it will study the matter and rectify it as quickly as feasible.

#2. The client's complaint was that MT was retaining the monies and charging unjustified fees after he cancelled the account with his company. Madison Trust Company failed to release his monies and proceeded to exploit his bank accounts & money. Madison Trust Company replied to their client's concern by saying, "Please speak with the rep," and they eventually executed the fund's transaction.

#3. The consumer reported that they created an account after learning that they could have Captive Insurance & accounts in a separate Roth IRA account from the business in question. So he opens a new bank with this company, and they pay me forcibly. Madison Trust Company responded to the client and stated that they apologized, yet they had already informed you about the refund procedure and that they would send the patient complete reimbursement, and thanked you for having patience.

Complaints on Google #1. According to Shock Proof, a Madison Trust Company employee reported that she received a true email from an intern who refused to even submit the matter to the supervisor. She had recently divorced from her husband. She said I was fired without any kind of warning notice by the organization. It's dreadful!

#2. Kevin Holmberg stated that he does not trust Madison Trust Company. It ought to be a red flag for anyone who wants to make investments in their money. He attempt to get the money in on a specified timetable and was assured that the transaction would get handled properly. The company's management team did not allow him to close on its financial investments on time.

Complaints on Yelp #1. AP has expressed his dissatisfaction with the escalating costs in recent years. Back when they were highly competitive and offered lower fees, the business solicited their clientele for feedback. They began to boost their costs across all regions after receiving 5-star reviews.

#2. Don H alleges that he had an awful encounter with the Madison Trust Company and that he does not believe in the BBB's favourable assessments since the BBB accepts money to increase the company's ratings. He stated that he is attempting to terminate his account in order to transfer the money somewhere.

Complaints on Site Jabber #1. Shelly B stated that she was aware of Madison Trust Company's dishonest and manipulative actions. They pledge not to keep & hold their customers' cash. She advised keeping away from Madison Trust Company to safeguard your cash.

#2. Michael D announced his intention to transfer several partnerships with limited liability from PIMCO to Madison Trust Company. It takes me a year to realize that inexperienced personnel provided me with all erroneous forms and then used them to provide an excuse when I complained. Even yet, they are consistently late in delivering the forms to me. She argues that I would never attempt transferring assets.

Complaint on Shopper Approved #1. According to Teresa H's complaint on Shopper, Maria, one of Madison Trust Company's clients, was wonderful, but no one else seemed to know exactly what had been going on with her. The company claims that identical documents were sent many times but they had not been received yet. As a result, the corporation responded by saying, "We apologize that our level of customer service did not meet your standards." This firm would assure that all the employees have been hand-picked with extensive expertise. I apologize for any inconvenience this has caused you.

For a detailed overview of the company, read: Madison Trust Company Reviews.

Is Madison Trust Company Legit? Should You Invest With Them?Is Madison Trust Company a scam or legit? Are they worth it?

Madison Trust Company is a precious metals dealer that has been in business since 2015. They have an A rating with the Better Business Bureau and 4.84 stars ratings on Google. No, I do not believe you should invest with them. I propose that you look into our top gold IRA providers before making any final decisions. Investing in precious metals can seem difficult. To help you find the best precious metals provider, we have created our top gold IRA companies list.  On the other hand, you can also check out the top provider of your state below:  Or, you can check out the best gold dealer in your state below: Find the best Gold IRA company in your state Read the full article

[brandliaison2023]

STAY AHEAD OF THE CURVE WITH BIS/CRS CERTIFICATION: COMPREHENSIVE GUIDELINES.

BIS/CRS certification is a compulsory registration scheme that is implemented by the Bureau of Indian Standards (BIS) for certain products that are manufactured or imported in India. If a manufacturer or importer of products that require BIS/CRS certification, it is important to stay ahead of the curve by following these comprehensive guidelines:

Ascertain whether your product needs BIS/CRS certification: Finding out if your product qualifies for the BIS/CRS certification programme is the first step. On the BIS website, you can see the list of goods that need certification.

Determine the applicable standards: After deciding that your product needs BIS/CRS certification, choose the standards that apply. There is a list of requirements for each product on the BIS website.

Choose an authorized certification agency: BIS/CRS certification can only be issued by authorized certification agencies. You should choose an agency that is authorized by BIS and has experience certifying products like yours.

Submit your application and required documentation: You will need to submit an application to the certification agency along with the required documentation, which may include test reports, technical specifications, and manufacturing process information.

Schedule testing and factory inspections: The certification agency will schedule testing and factory inspections to ensure that your product meets the applicable standards.

Obtain BIS/CRS certification: If your product passes the testing and factory inspection, you will be issued a BIS/CRS certification. This certification is mandatory for selling your product in India.

Renew your certification: BIS/CRS certification is valid for two years and must be renewed before it expires.

Here are some salient ideas to remember from the piece:

In India, many products must have BIS/CRS certification.

Businesses may gain from BIS/CRS certification in a variety of ways, including improved market access, improved brand reputation, better customer confidence, decreased risk of product recalls, and a competitive edge.

The BIS/CRS certification application procedure can be difficult, but it's crucial to properly follow the instructions to make sure your application is accepted.

Businesses may keep on top of the curve and make sure they are adhering to the most recent BIS/CRS certification criteria by following the suggestions provided in this article.

CONCLUSION

A necessary prerequisite for many products in India is BIS/CRS certification. Businesses may make sure that their products satisfy the necessary standards and that they are adhering to all applicable legal requirements by acquiring BIS/CRS certification. BIS/CRS certification can also bring about a variety of additional advantages, including better brand recognition, more customer satisfaction, decreased liability risks, and better product quality. The process of obtaining BIS/CRS certification can be complex, but it is important to follow the guidelines carefully to ensure that the application is successful. By following the guidelines outlined in this article, businesses can stay ahead of the curve and ensure that they are complying with the latest requirements for BIS/CRS certification.

[aleph-12india]

Why need Promoting Energy Efficiency and Conservation

Energy is the future, and its conservation is crucial for creating a bright future. In today's world, where environmental concerns are at the forefront, it is essential for individuals and industries to prioritize energy conservation and embrace eco-friendly practices. We rely on energy in almost every aspect of our lives to live comfortably, be productive, and create a pleasant environment. Recognizing the significance of energy conservation, the Government of India implemented an innovative initiative on 1st March under the provisions of the Energy Conservation Act, 2001, known as the Bureau of Energy Efficiency (BEE). BEE plays a vital role in coordinating with designated customers, agencies, and organizations to identify, utilize, and improve existing resources and infrastructure for energy conservation. The Energy Conservation Act aims to regulate and promote energy conservation across the country.

One of the key aspects of BEE's initiatives is the issuance of BEE-rating certificates. These certificates raise awareness about energy efficiency and conservation by demonstrating a product's level of performance and electricity usage. But why does a product need a BEE-rating certificate?

The BEE-rating certificate ensures that specific energy efficiency standards are followed. It guarantees compliance with the Energy Conservation Act of 2001, ensuring that manufacturers and industries adhere to the law's requirements. By obtaining this certification, manufacturers and industries can secure their reputation for adhering to applicable standards and principles outlined in the Energy Conservation Act. It also helps maintain a certain level of efficiency, contributing to overall energy conservation efforts.

The process for obtaining a BEE certificate involves several steps. The first step is product testing, which includes performance testing and safety testing. Performance testing evaluates the product's performance and assigns a star rating, while safety testing ensures that the product is consumer-friendly. These tests are crucial for determining a product's energy consumption and overall efficiency.

The next step is brand or company registration with BEE. This requires submitting the necessary documentation, such as a cover letter, registration fee payment receipt, online company registration form, agreement between BEE and the user of the label, certificate of trademarks, SSI certificate (if applicable), quality management system certificate (ISO 9001), authorized signatory letter, and BIS license. It is essential to ensure that all documents are properly filled out, signed, and stamped.

After brand registration, the next step is model registration. This involves submitting relevant documentation, including the test reports from the product testing phase and BEE Sample Label preparation, which helps consumers understand the product's energy-saving and cost-saving potential. The model registration process includes online and offline submission of the application, along with the required enclosures and a BEE Label Specimen. BEE officials scrutinize the application, test reports, and documents before granting approval.

Obtaining a BEE certificate has several advantages. It ensures adherence to energy efficiency standards, guarantees compliance with the law, secures the manufacturer's or industry's reputation, and helps maintain a certain level of efficiency.

In conclusion, BEE registration is an essential step in promoting energy efficiency and conservation. It not only benefits manufacturers and industries but also contributes to a sustainable and environmentally friendly future. By obtaining BEE certificates, businesses and individuals demonstrate their commitment to conserving energy and creating a better world for future generations. Let us all embrace energy conservation and work towards a brighter and more sustainable future.

[atdmoney1]

Payday Cash Loans - ATD Money

A payday loan is a high-cost short-term loan that is typically repaid with your next paycheck. They are one of the most costly types of loans and can be a major source of debt for many people.

To avoid a cycle of debt, consider alternatives to payday loans. Look for alternative loans with lower interest rates and a repayment plan that fits your budget.

Payday loans are a type of short-term loan

A payday loan is a type of short-term unsecured personal loan that typically must be paid back in full (plus fees) by the borrower's next paycheck. They are a last-ditch option for borrowers who don't have the credit or income to qualify for other types of loans.

Payday loans are often available through storefront payday lenders or online. They typically have a maximum lending limit of $500. However, limits may vary from lender to lender.

To get a payday loan, you'll need to provide proof of identification, income, and a bank account. Some payday lenders accept postdated checks, while others will provide cash as soon as you submit a debit card number or another form of payment.

When you apply for a payday loan, it's a good idea to read all the fine print, including any hidden fees or penalties. Also, find out the annual percentage rate, or APR. It's an important way to compare costs and decide which loan is best for your situation.

In addition to payday loans, you can also get a line of credit through a bank or financial institution. This is similar to a business credit card, but instead of using the money from your bank account as collateral, you use a line of credit, which can be tapped in and out as needed.

Another way to obtain a loan is by borrowing against an item of value, such as an automobile. Some pawnshops offer short-term auto title loans that don't require credit checks but can be costly.

Alternatively, you can tap into your credit card's cash advance limit. Some banks even offer a separate cash credit line that's limited to a small fraction of your actual credit limit.

These loans come with hefty interest rates, though they can be used to make ends meet until your next check arrives. They're not recommended for long-term borrowing because they can easily trap you in a cycle of debt.

If you're looking for a safe alternative to payday loans, consider applying for a personal loan. These have lower interest rates than payday loans and a longer repayment period, making them a better choice for many people.

They are unsecured

A payday loan is an unsecured loan, which means that the lender does not require you to provide collateral like you would at a pawn shop. The loan is typically based on your paycheck, so the amount you receive depends on your income. This makes it a common way to get quick cash for emergencies, such as unexpected expenses or medical bills.

While a payday loan can be an excellent way to get cash quickly, it is important to understand the risks involved. The first step is to determine whether you can afford the loan and what fees and interest rates are associated with it. You can also ask a credit counselor to review your financial situation and find solutions that might prevent you from taking out a payday loan.

Payday lenders often charge a fee for every payment that is late, which can add up to significant amounts. If you don't pay your bill on time, your lender may report it to the credit bureaus and lower your credit score. In addition, you may be charged a fee each time you roll over the loan.

You can protect yourself from high-interest rates and other fees by shopping around for the best deal. Make sure to read the terms and conditions carefully, and be careful when signing up on an online lending site. You can also contact a non-profit agency that offers credit counseling at no or low cost.

Another risk is that your bank account information can be shared with a payday lender without your permission. This can lead to identity theft. It is also possible for a lender to collect and sell your information to other companies.

Many payday loan consumers have poor credit, and they are likely to be people who lack access to a traditional deposit bank account. These people are disproportionately Black or Hispanic and are least able to secure normal, lower-interest-rate forms of credit.

Fortunately, ATD Money offers instant personal loans that are a convenient alternative to payday loans. They are easy to apply for, and funds can be disbursed within 30 minutes of approval. You can apply for an ATD Money loan online or at a retail location.

They are based on future income

A payday loan is a type of short-term loan that is based on your future income. This makes it a viable option for people who need a quick source of cash to cover unexpected expenses, such as an emergency medical bill or an auto repair. It also allows you to avoid a trip to the bank or a credit card company, which can be time-consuming and frustrating.

ATD Money is a leading online lender that offers a wide range of loans, including cash loans and business loans. They have several features to help make the application process easier, including an online payment processor and a mobile app. You can also talk with a loan expert to discuss your options and get more information.

The loan process is fast and easy, but you do have to pay attention to the details. ATD Money will review your income, assets, and other financial details before approving your loan. Then, you can choose to pay it off in one lump sum or spread the payments over some time. ATD Money will also provide you with a loan calculator to help you estimate your monthly payments.

Although payday loans can be a smart way to meet your short-term financial needs, they can also come with serious consequences. The most notable is that they can cause credit issues for those who have poor or no credit. Additionally, they can hurt your health and well-being.

For example, it's estimated that the amount of stress caused by payday loans can increase your risk of heart disease. And even if you do manage to repay your debt on time, you may be paying a lot of fees along the way.

The interest rates and fees for these types of loans can be so high that they are not a sound financial choice for many consumers. In addition, they can hurt other areas of your life, such as your mental health or your relationships.

The most important thing to remember about payday loans is that they are unsecured, so you must be sure to read all the fine print before you agree to take out one. In addition, payday loans should only be used for emergencies and should not be relied upon as a long-term source of funding.

They are costly

Payday Cash Loans: ATD Money

There are many reasons why payday loans are costly. They come with high fees and interest rates, which can quickly add up to more than you can afford. You could also find yourself in a cycle of debt by taking out more than you can handle and then rolling the loan over, leading to even higher fees.

According to Pew, more than half of borrowers use payday loans on repeat occasions. These users use the money to pay for recurring bills, including rent and utilities.

If you are thinking about a payday loan, consider these alternatives to find a better way to finance your next emergency. One option is a personal loan from a bank or credit union. These small-dollar loans typically have lower interest rates and higher approval standards than payday loans, but you must have good credit to qualify for them.

Another option is to build an emergency fund, which you can access whenever you need it. A few hundred dollars saved up over time can help you avoid taking out a payday loan in the future.

You might also consider a secured personal loan, which is less risky for lenders because you have collateral. A secured loan can also increase your credit score by showing that you can manage debt responsibly.

A third option is to use a credit card to pay for your immediate needs. Credit cards usually have lower interest rates than payday loans, and you can often get a promotional rate when using your card to pay for items.

It's also worth checking with your local credit union to see if they offer payday alternative loans (PALs). These small-dollar loans can be a great alternative to payday loans and have lower interest rates than other forms of short-term financing.

The best way to avoid paying high fees and interest on a payday loan is to repay it on time, says Zhou. A borrower who pays the loan back in full on its due date will improve his or her credit score and be less likely to take out another payday loan in the future.

[mvg-finance]

How to Improve your chance of getting approved for a business loan

Are you looking to secure a business loan to help grow your business? If so, it's important to understand the steps you need to take in order to increase your chances of being approved. In this blog post, we will discuss tips on improving your chance of getting approved for a business loan from a reputable business loan provider. We'll discuss the importance of having a solid business plan, preparing your credit history and financial statements, and other considerations. With this information in mind, you can more confidently approach your business loan provider with an application that's more likely to be approved. Let's get started! 

Establish business credit and payment history

Building business credit is essential for getting approved for a business loan. Make sure to regularly pay your business bills on time, such as utility bills, rent or mortgage payments, business suppliers, etc. This will ensure you have a good business credit history, increasing your chances of getting approved for a business loan. Additionally, make sure to register your business with business credit bureaus so that they can track your business’s payment history and report it to credit agencies. This will make it easier for lenders to evaluate the creditworthiness of your business when considering a loan application. 

Prepare business financial documents/statements

Gathering business financial documents such as income statements, balance sheets, and business tax returns is essential when applying for a business loan. These documents will demonstrate the overall financial health of your business and provide lenders with valuable information about the condition of your company. First, it is important to have accurate income statements to show the lender the amount of revenue that your business has been generating. This will give them an idea about the potential for future success. Additionally, you should include balance sheets to demonstrate your company's assets and liabilities. Finally, submitting current business tax returns can give lenders insight into how much money you have been able to set aside for taxation purposes as well as the amount of debt that you have acquired. All these documents can help to give lenders a better understanding of your business's financial situation.

Research Available Business Loan Options 

It is extremely important to research all available business loan options before deciding. Take the time to compare the interest rates, repayment terms, and eligibility requirements of each business loan provider so that you can find the best solution for your business's needs. Consider looking into government-backed loans as well as private lenders. Business owners should also remember that their business type will influence their eligibility for certain types of loans.

Have a Business Plan in Place

Before applying for a business loan, it is essential to have a well-crafted business plan in place. This plan should include financial projections, business goals, business operations, and other relevant business information. Business plans are crucial as they help lenders understand your business's goals and ability to repay a loan. Business plans should include information like the purpose of the loan, how you plan to use it, your current financial situation (including income, expenses, profits/losses), and a timeline for repayment. Additionally, lenders need to know that you have researched the industry and market in which you operate and have identified potential areas for growth. Your business plan should also outline your competitive edge and how you will use the loan to increase profits. Business plans must be realistic and demonstrate that you have a strategy for success. It is important to clearly explain the problem or opportunity facing the business and how the loan will solve it. 

Have Collateral Ready 

Business owners should consider the various types of collateral that can be used when securing a business loan. This includes tangible assets such as vehicles, equipment, real estate, and personal property and intangible assets such as stocks and bonds. Business owners should also ensure they accurately appraise their collateral before entering into negotiations with a business loan provider. Business owners should also be aware of any liens associated with their collateral and how these could affect the loan terms. Having appropriate collateral prepared for a business loan application is an important step in the process. It will give lenders confidence that they have the means to recover their investment if needed.

Show six months' business bank statements

Most business lenders will want to see at least six months of business banking statements in order to verify the financial activity and stability of your business. Make sure that there are no negative activities or large deposits, or withdrawals during this time period. 

Have business owners’ personal financial documents ready

Business loan providers may ask for the business owners' personal financial documents, such as pay stubs, tax returns, and other relevant financial information. Having this documentation available will make the process of applying for a business loan much easier. 

Show business revenue track record

It is important to be able to demonstrate a business revenue track record in order to increase the chances of getting approved for a business loan. This will show lenders that your business is capable of making money and can pay back the loan on time. 

Demonstrate good business practices

To increase the chances of getting approved for a business loan, it is important to demonstrate that you have good business practices in place. This includes keeping detailed business records, adhering to business laws and regulations, providing excellent customer service, etc. 

Conclusion

Applying for a business loan can be a daunting task, but with the right preparation and knowledge, you can increase your chances of being approved. Business owners should make sure to have a business plan in place, appropriate collateral ready, six months of business bank statements and personal financial documents prepared, and demonstrate good business practices. At MVG Financial Services, we understand the importance of securing a business loan and are here to help you every step of the way. Contact us today to find out more about our services and how we can assist you in obtaining the right business loan for your needs!

[federal-management]

What happens if I don't pay Debt Recovery?

Debt collectors are infamous for being obnoxious and challenging to work with. Having said that, it's probably because you lacked the funds to pay the payment in the first place if a debt reached collection. What happens if you simply ignore the debt collectors, then, is a valid issue.

How does a debt initially end up with a debt collecting company?

Let's say you are unable to pay your mortgage or a medical payment. Your bill will often be sent to a debt collection agency that has been retained by the business you owe money to after around 60 days of nonpayment (although this obviously varies). If and when you pay the debt collector, the money will typically go mostly to the company you owe the bill to, but the debt collector will also take a cut—often between 25 and 45%. The debt collector may potentially have "purchased" the debt from the original creditor, in which case they will be paid in full.

If you don't pay debt collectors, the following is the best case scenario.

You can receive a letter from the debt collection agency offering to settle the debts for less than the entire total after that 180-day period. It's possible that a creditor will decide it's not worth continuing to pursue collection operations. The truth is that your credit is still probably going to suffer greatly even in the best-case scenario. It's quite likely that your account has been designated as being in collections after 180 days of unpaid balances after being reported to a credit bureau. Even if this happens, you might not even be informed.

Your debt will be taken up by a debt collection agency.

If a debt is more than 31 days overdue, a  debt collection agency may assume control of it in accordance with federal law. However, for up to 180 days, certain creditors could make an independent collection attempt. It's crucial to keep in mind that a debt is typically submitted to a collection agency after around 60 days.

The fact that a debt collection firm is employed by a business that is owed money is the first thing that stands out about them. If you settle the loan, the money will return to the business that originally held it.

Debt collectors occasionally sell the debt they have acquired to another business they believe has a better chance of recovering it.

Here is what would happen in the worst situation if you don't pay debt collectors.

However, debt collectors have other options at their disposal and won't necessarily give up if you don't pay. The debtor may opt to initiate legal action on their own, employ a law firm, or even sell the debt to a buyer who may decide to do so later.

What will thus happen to your credit score specifically?

The answer is, as you would have guessed, not good. You may anticipate a 100-point decline in your credit score in the first six months after missing a debt payment. After 180 days, things are likely to get much worse, and you never know how low your credit score may drop.

Conclusion 

Most individuals are unaware that most debt collectors are open to negotiating a payment schedule, so if you are having trouble making a full payment on a debt, experts advise trying to reach an agreement. However, a debt will follow you, thus there is no such thing as "ignoring" one.

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File a Complaint against Network Solutions: submission succeeded

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Better Business Bureau issues warning about Seattle moving company

Better Business Bureau issues warning about Seattle moving company

by Staff reporter for The Seattle Times The Better Business Bureau issued an alert Tuesday for Seattle Movers WA, a moving company headquartered in Seattle. BBB has received five complaints, two Scam Tracker reports and five 1-star customer reviews in the past nine months, according to BBB. Customers using Seattle Movers WA services have reported missing and damaged items in complaints submitted…

[alliancehealthgroup02]

Choosing the Right Senior Insurance Services in Florida

Choosing the Right Senior Insurance Services in Florida can be challenging, but there are a number of ways to help you choose the best policy for your needs. The type of home you live in is also a factor, since your property may have special features that can affect your insurance rates. You can also get discounts to help reduce your premiums.

The best way to determine what you need is to compare quotes. It's also a good idea to ask your insurer for the current rules. For example, some carriers are legally required to offer discounts for mature driver courses. If your insurer does not provide this type of information, you can get it from your state's Department of Insurance. You can also request a certificate of insurance to verify your coverage. A certificate may be automatically sent to your insurer or you may need to submit it by mail.

Seniors can save money on their auto insurance by bundling policies. You can also find discounts if you have an AARP membership. You may also qualify for a low mileage discount if you drive less than a certain number of miles per year.

The Department of Elder Affairs in Florida has a program to help seniors find and apply for affordable insurance. This program, called Serving Health Insurance Needs of Elders (SHINE), is free and connects seniors to health insurance counselors. SHINE counselors are not affiliated with any insurance companies and are available to attend community events and give educational presentations.

The Hartford auto insurance program is a great choice for seniors, as it offers a variety of coverage options and good customer service. Hartford also receives high ratings from the Better Business Bureau and the NAIC.

Esurance is another good choice for seniors. It offers competitive rates and excellent reviews from J.D. Power and WalletHub. It also offers a free look period. You can cancel your policy during this period, if you don't like the policy.

There are a number of other insurance companies that offer senior discounts. However, these discounts vary by provider. Many of these companies offer discounts to AARP members. In addition, they offer discounts for safe driving. They also have a free look period, allowing you to review your policy before you commit.

Another great option is the Senior Medicare Patrol program. This program is administered by the Florida Department of Elder Affairs and volunteers deliver free workshops on Medicare fraud prevention. They also assess reports to see if they need to be escalated.

There are several other options for seniors, including specialty insurers. These insurers have higher coverage limits and offer a guarantee that your home will be restored to its original standard. They can also be a good choice for elderly citizens with a high-value home.

You may also want to check with your insurance provider to see if they offer any add-on coverage options. For example, you can add on a non-emergency medical transportation benefit. If you need to drive to work, you may also be able to receive a low mileage discount.