Tag Archive | US

ChexSystems Banking vs. Consumers

Today, more than 20 million US citizens are living without a bank account. The primary reason is due to ChexSystems’ dominating presence within the consumer banking world. It is estimated that over 80% of all banks and credit unions in the United States, use ChexSystems to verify new customer accounts. Most individuals listed in the ChexSystems database were reported due to mishandling of their checking accounts, while the rest were attributed to abuse, fraud, or errors.

Within recent years, many websites have sprung up on the internet offering help for people listed on ChexSystems. Services vary among these sites, ranging from free information to paid memberships. No matter where you turn, there are countless numbers of “victims” venting their frustrations through the use of public forums and message boards.

Most of the frustrations shown by “victims” of ChexSystems seem justified, but even then there are always two sides to every story. Most “victims” feel that 5 years of being “blacklisted” is punishment beyond justification. And if reported in error, even worse a punishment. In addition, many have complained that the banks give no breaks when it comes to consumer mistakes, but are quick to cover up their mistakes when the banks are at fault. Banks, on the other hand, justify using ChexSystems to protect their assets.

Either way you look at it, ChexSystems is a much needed organization in the banking industry. Without ChexSystems, banks would go bankrupt without this type of asset protection against con-artists and account abusers.

The real question is how fair is the punishment for the consumers who innocently have fallen into tough financial situations, and as a result defaulted on their bank account. Is it fair to “blacklist” all consumers the same way regardless of their banking history? These are just a few of the questions that need answering before any proper reforms can be reached.

Defining Offshore Banking And International Business Loans

The worldwide growth in international trade and investment during the previous decades brought about renewed interest in offshore lending, transforming it from simply a business that was primarily engaged in the financing of trade, into a much broader enterprise which is heavily involved in transactional lending. Offshore international capital loans have been extended by banks for many years.

An international loan, in its simplest form is financing given by a foreign lender to a U.S. borrower. Likewise, when a foreign borrower obtains financing from the US, the loan is also said to be international in nature. A better definition of international loan therefore would be any capital that was made offshore or across the border.

Often, international loans exhibit the same characteristics as with domestic lending, such as import and export financing. Loans to foreign and local companies, partnerships, and individuals including, foreign entities of US corporations that borrow on their own without any form of support from the parent are also available to bolster international capital management.

As with domestic banking, there are international business loans, real estate and commercial. transactions can also include international mortgage or home loans and repeat financing. Some capital sources can even act as consultants in international loan packaging or provide cash payday loan services. International loan providers and lenders provide personal and payday loans, construction and project financing among others.

But while foreign credit markets or international capital markets have more moving parts than do domestic markets, they differ only in detail and not in the basic offshore bank formation. For the lender, lending principles are the same in Rhode Island and in any may have. The same principles, understanding the transaction, adequate knowledge and understanding of the borrower, risk definition and a clear indication that the loan will be repaid, still apply.

The borrower, meanwhile, defines his needs for funds, develops overall financial strategy which will structure the loan in a way that makes the most sense, and negotiates with the to meet his requirements. These reciprocate the lender’s ability to make funds available, and the patterns used in making them available and interact with his standards.

The Considerable Benefits of a US-Based Virtual Assistant Company

Once you have tried having a virtual assistant or working with a virtual assistant company, you will wonder where that idea has been all of your life! A virtual assistant allows you to accomplish more in a given day and also serves to enable you to focus on your company. By being able to focus on the core parts of your business, you will quickly see your business and your bottom-line grow.

When you begin considering a virtual assistant or virtual assistant company, you will no doubt soon realize that there are many overseas options. While many of these virtual assistant company options are fine, working with a US-based virtual assistant company has, in general, far more to offer you. Lets take a moment to consider the ample benefits of working with an US-based virtual assistant.

Opting for an US-based virtual assistant company means that you will have no language barrier. You can likely find a virtual assistant outside of the United States, but as the old saying goes, you do usually get what you pay for. This is definitely the case with virtual assistants.

Working with a US-based virtual assistant means that you wont lose time due to language barriers and the considerable confusion that can come with them. Unless you have experienced the problems that can come along with language barrier issues firsthand, it is difficult to appreciate just how much time and thus money can be lost. This problem simply doesnt exist with a US-based virtual assistant company.

In addition to the language problem, most Americans who opt for a virtual assistant outside of the US find that they have to engage in a good deal of hand holding. If you are the kind of person that finds this annoying and irritating, then an overseas-based virtual assistant is definitely not for you! Additionally, having to engage in constant handholding undermines the purpose of having a virtual assistant in the first place.

In the end, all the micromanaging, handholding and language barrier issues will likely leave you feeling as though you are potentially spending more time than you are saving with an overseas virtual assistant. The fact is that these problems simple dont exist when you opt for an US-based virtual assistant. While you may initially feel that you are saving money with an overseas virtual assistant, at the end of the day, you very well may feel differently. Odds are that with the time you are forced to invest, you could have just opted for a US-based virtual assistant company and saved yourself a good deal of hassle as well!

Roni Deutch Tax Firm Now Offering Bankruptcy Representation To California

After 19 years of dedicated tax resolution services to those in need across the nation, Roni Deutch’s tax law firm is now offering California residents bankruptcy representation services.

Roni Deutch, The Tax Lady, and her expert team of tax attorneys recently started offering a new service that represents residents of the state of California looking to possibly file for Chapter 7 bankruptcy.

According to Deutch, many who contact the Roni Deutch tax firm for tax debt assistance will often require assistance with other major financial issues. Deutch is very pleased to be offering a new service to residents of California that helps them with their debt and credit issues with the use of bankruptcy representation.

Economic Times and Help

Last year, the US faced troubling economic times. Roni Deutch has stated that the economic issues troubling the nation last year are far from over. More and more individuals and families are facing debts they cannot afford, according to Deutch. Clients possibly seeking a bankruptcy resolution are constantly contacting the Roni Deutch tax firm. Recently, the firm has been able to offer their new bankruptcy resolution service to California residents, opening up the ability for many to file for Chapter 7 bankruptcy.

Free initial evaluations are being offered California residents who may be considering Chapter 7 bankruptcy, and the Roni Deutch team will help clients determine if it is the correct solution to resolve debt issues.

For years, Roni Deutch has been recognized by millions as The Tax Lady. For the past nineteen years, Deutch and her tax team have been helping people nation-wide resolve their tax debt. Roni Deutch has helped taxpayers save tens of millions of dollars and has been directly responsible for agreeable, settled resolutions with the IRS over taxes owed for so many families. The Roni Deutch tax firm is now extending their services to include their new bankruptcy representation service to assist clients with resolving their other debt issues.

Roni Deutch and the Team

Roni Deutch, A Professional Tax Corporation, is a tax law firm recognized across the nation. The firm has been assisting tax clients to find equitable solutions to their tax liabilities for over nineteen years. The Roni Deutch tax law firm is an agency dedicated to debt relief. The firm assists taxpayers in filing for bankruptcy relief under the Bankruptcy Code.

Why should you hire a US immigration law firm

Are you finding it hard to resolve your immigration issues? Then probably it is time for you to avail the services of a US immigration law firm. There are plenty of reasons behind it, but the one that leads the pack is that immigration laws, more often than not, are quite complex in nature. Although there are certain immigration issues which can be dealt with without the assistance of any immigration attorney, but in most cases it is just not possible to navigate through such laws without their proper guidance. And when we talk about attorneys, it is not just any other attorney but the one that specializes in immigration.

When it comes to the popularity of nations in terms of number of immigrants, then it is the US that easily rules the pack as scores of students, professionals, entrepreneurs, doctors and scientists head to. It is because of this very reason that the US authorities have made stricter immigration laws, so as to keep a check on the inflow of individuals entering the boundaries of the country. Therefore, it becomes more of a necessity than requirement to consider the services of a top quality US immigration law firm so that get the job done without much of a stress and problem.

Another complicated aspect about these laws is that they are updated and reviewed on a regular basis. The laws are changed according to the changes occurring in the political arena of countries, according to which they change their immigration stance. Also, the immigration procedures usually consume a lot of time. And do not make the mistake of assuming that the job is done once you have submitted the form after filling it. That’s because you will then have to wait for approvals from the authorities dealing with such matters. It is typically seen that such approvals usually end up consuming at least a couple of months if not years. And the worst case scenario is when you have waited for a long period of time only to see your application rejected, as you failed to provide all the required documents and meet the conditions which are necessary for approval.

All these problems and complications can be avoided should you decide to hire a professional and reputed US immigration law firm. Not only can you get the job done in a short period of time, but save yourself from stress which comes along while going through immigration procedures.

This entry was posted on February 24, 2017, in Enterprise and tagged .