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Hub You - A Case of Coin Telemarketing Fraud: Here's What I Should of Done
Every restaurant can benefit from proper food costing. Food costing is one of the most important elements for making your restaurant more profitable. Costing out your food enables you to have complete control over how much you spend on food and allows you to price your dishes for maximum profit, as well as good value to your customer.Typically, food costs should account for around 1/3 of a restaurant's expenses. The food cost along with labor and overhead costs should account for more than 2/3 of the total expenses. Above that is the profit the restaurant will generate. Since food costs are one of the highest expenses for a restaurant, food costing is viewed as one of the best ways to increase profitability for a restaurant who needs to generate more profits to stay in business.There are a number of ways you can analyze and optimize your food costs. First, you can do this manually, by thoroughly analyzing your food costs during a set period of time, usually a period of several weeks or a month. Your statistics should then be analyzed against restaurant industry average food costs to try and pinpoint areas of expense w
Date...........Condition ..1985 Value ..2005 Value ..Annual ROR
1917-D Obv
.MS-65
.
..$3000
..$27500
.
..11.13%
1921-S
...F-12
.
....$30.00
..
.
..$250
.
..10.62%
1919-D
.
..MS-65
...$15000
.....$115000
.
....10.19%
1917-S Obv
.MS-65
...$5250
.
....$35000
..9.45%
1918-S
...MS-65
...$3000
..
...$17500
..8.76%
1916-S
.
..VG-8
..
..$30.00
.
..$150
.
..7.97%
1917-S Rev
. MS-65
.
..$3500
..$17500
..7.97%
1921-S
.
..VF-20
.
..$200
..
..$1000
..
..7.97%
1921-S
.
..XF-40
....$1000
..
..$5000
.
..7.97%
1921-S
.
..MS-65
..
..$22500
..$110000
..
..7.85%
1918-D
.
..F-12
..$8.50
..$40.00
..
..7.65%
1918-D
.
..MS-65
...$5500
....$25000
..
..7.48%
All you need to do is just to make the single low interest consolidated payment each month. However, if you have made up your mind to utilize the debt consolidation services to manage and control your debts and finances, you must be very careful in calculating how much is the overall cost you will have to pay in order to avail these debt consolidation services. In general, the debt consolidation cost depends on the nature of your debts and the kind of debt consolidation services you go for.The Cost of Debt Consolidation QuoteWell, always remember that the debt consolidation company should provide you the debt consolidation quote free of cost. You must not pay a single penny for this. The debt consolidation companies that demand for a charge for debt consolidation quote are most likely unscrupulous.The Debt Consolidation Cost May be Covered in the Interest rateIn most cases, the debt consolidation cost is covered in the consolidated single monthly payment. When you pay this consolidated low interest single monthly payment to the debt consolidation company, the company first deducts its debt consolidation
Later in 1985, Mr. Carls company changed names. Rather than interpreting this as a flashing red warning signal, I eagerly sought to add more coins to my portfolio. Being a gregarious sort of fellow, I attempted to establish a friendly rapport with Mr. Carl and his associates. Looking back after all these years, what has irritated me perhaps more than anything is how this shyster must have smirked every time he heard my voice, for what a gullible, willing dupe I was.
In 1989, I decided it was time to cash in my coins, so I called Mr. Carl. Not surprisingly, the company was operating under yet another name. I couldnt get through to Mr. Carl, but ended up talking to his brother, Maurice, with whom I had never spoken. I informed him that I wanted to liquidate my Walking Liberty half dollars in accordance with the buy-back policy under which I had purchased them. Much to my disgust, he coldly declined, indicating his organization was not affiliated with those earlier companies, and was under no obligation whatsoever. In fact, he insinuated that he had never even heard of these outfits before, despite the fact that his brother, Gordon, factored prominently in these businesses. At that moment, the fog was finally lifted from my eyes: I had been scammed! Not knowing what else to do, I politely said goodbye, and hung up. I sat there, staring at the phone for what seemed like an eternity, in stunned disbelief.
Several days later, I took my 1943 Walkers to a local coin dealer, the first step in submitting them to a third party grading service. I didnt expect them to grade out as MS-65, but if they came back as MS-60 or MS-63, I could at least begin there to cut my losses. The dealer studied a couple of the coins closely under magnification, and then sadly declared the coins were damaged due to improper cleaning. He advised me not to have them professionally graded, because the cost of grading probably exceeded the value of the coins. With few options left, I put the tainted Walkers in storage, vowing never to repeat this experience.
Lets now flash forward to the present time. Normally, I dont like antagonizing myself, so it was with some reluctance that I fired up the computer to play the game What If? That is, what if I had spent my $1375 with a reputable dealer in 1985 to purchase Walking Liberty half dollars? What kind of value increases would I be enjoying today had I been smarter back then? To answer this question, I first retrieved the historic value trend tables I researched in late 2005 for Walking Liberty half dollars. For each date, mintmark, and condition, I noted their values in 1985, and placed them next to their corresponding values in 2005, for a before and after comparison. In all, there were about 450 such comparisons. Next, I calculated an annual compounded percentage return rate for each data pair, and sorted them from highest to lowest. I then listed the top 20 for closer examination:
Date...........Condition ..1985 Value ..2005 Value ..Annual ROR
1917-D Obv
.MS-65
.
..$3000
..$27500
.
..11.13%
1921-S
...F-12
.
....$30.00
..
.
..$250
.
..10.62%
1919-D
.
..MS-65
...$15000
.....$115000
.
....10.19%
1917-S Obv
.MS-65
...$5250
.
....$35000
..9.45%
1918-S
...MS-65
...$3000
..
...$17500
..8.76%
1916-S
.
..VG-8
..
..$30.00
.
..$150
.
..7.97%
1917-S Rev
. MS-65
.
..$3500
..$17500
..7.97%
1921-S
.
..VF-20
.
..$200
..
..$1000
..
..7.97%
1921-S
.
..XF-40
....$1000
..
..$5000
.
..7.97%
1921-S
.
..MS-65
..
..$22500
..$110000
..
..7.85%
1918-D
.
..F-12
..$8.50
..$40.00
..
..7.65%
1918-D
.
..MS-65
...$5500
....$25000
..
..7.48%
The answer to the question; how do I repair my credit; seems to depend on who you ask. If you ask Fair Isaac or one of the credit bureaus, they will tell you that it takes time and patience. Some experts say that only time can repair bad credit. A leading credit repair company says that bad credit can be deleted. In response to disbelief, they show tens of thousands of deleted listing, including bankruptcies.When you ask; how do I repair my credit, the most common answer is review the information on your credit report. Due to a recently enacted law, consumers can view and print copies of their credit reports at no charge by visiting www.annualcreditreport.com. If information on your credit reports is inaccurate, obsolete, misleading or unverifiable, you can dispute the items with the credit bureau. You can write to the creditor that made the report and ask that the information be removed. You can do this on your own or you can hire a leading credit repair company to do it for you.Often depending on the products that they sell, different companies will give you different answers to the question; how do I repa
Later in 1985, Mr. Carls company changed names. Rather than interpreting this as a flashing red warning signal, I eagerly sought to add more coins to my portfolio. Being a gregarious sort of fellow, I attempted to establish a friendly rapport with Mr. Carl and his associates. Looking back after all these years, what has irritated me perhaps more than anything is how this shyster must have smirked every time he heard my voice, for what a gullible, willing dupe I was.
In 1989, I decided it was time to cash in my coins, so I called Mr. Carl. Not surprisingly, the company was operating under yet another name. I couldnt get through to Mr. Carl, but ended up talking to his brother, Maurice, with whom I had never spoken. I informed him that I wanted to liquidate my Walking Liberty half dollars in accordance with the buy-back policy under which I had purchased them. Much to my disgust, he coldly declined, indicating his organization was not affiliated with those earlier companies, and was under no obligation whatsoever. In fact, he insinuated that he had never even heard of these outfits before, despite the fact that his brother, Gordon, factored prominently in these businesses. At that moment, the fog was finally lifted from my eyes: I had been scammed! Not knowing what else to do, I politely said goodbye, and hung up. I sat there, staring at the phone for what seemed like an eternity, in stunned disbelief.
Several days later, I took my 1943 Walkers to a local coin dealer, the first step in submitting them to a third party grading service. I didnt expect them to grade out as MS-65, but if they came back as MS-60 or MS-63, I could at least begin there to cut my losses. The dealer studied a couple of the coins closely under magnification, and then sadly declared the coins were damaged due to improper cleaning. He advised me not to have them professionally graded, because the cost of grading probably exceeded the value of the coins. With few options left, I put the tainted Walkers in storage, vowing never to repeat this experience.
Lets now flash forward to the present time. Normally, I dont like antagonizing myself, so it was with some reluctance that I fired up the computer to play the game What If? That is, what if I had spent my $1375 with a reputable dealer in 1985 to purchase Walking Liberty half dollars? What kind of value increases would I be enjoying today had I been smarter back then? To answer this question, I first retrieved the historic value trend tables I researched in late 2005 for Walking Liberty half dollars. For each date, mintmark, and condition, I noted their values in 1985, and placed them next to their corresponding values in 2005, for a before and after comparison. In all, there were about 450 such comparisons. Next, I calculated an annual compounded percentage return rate for each data pair, and sorted them from highest to lowest. I then listed the top 20 for closer examination:
Date...........Condition ..1985 Value ..2005 Value ..Annual ROR
1917-D Obv
.MS-65
.
..$3000
..$27500
.
..11.13%
1921-S
...F-12
.
....$30.00
..
.
..$250
.
..10.62%
1919-D
.
..MS-65
...$15000
.....$115000
.
....10.19%
1917-S Obv
.MS-65
...$5250
.
....$35000
..9.45%
1918-S
...MS-65
...$3000
..
...$17500
..8.76%
1916-S
.
..VG-8
..
..$30.00
.
..$150
.
..7.97%
1917-S Rev
. MS-65
.
..$3500
..$17500
..7.97%
1921-S
.
..VF-20
.
..$200
..
..$1000
..
..7.97%
1921-S
.
..XF-40
....$1000
..
..$5000
.
..7.97%
1921-S
.
..MS-65
..
..$22500
..$110000
..
..7.85%
1918-D
.
..F-12
..$8.50
..$40.00
..
..7.65%
1918-D
.
..MS-65
...$5500
....$25000
..
..7.48%
Interest free debt consolidation are those processes whereby you roll all of your existing debts into one payment and interest rate, and which do not create an aggregate increase on the interest rate. Interest free debt consolidation companies provide consumers the option of paying back their unsecured credit card debt through a monthly repayment plan. This plan pays off creditors and you will save hundreds of dollars in late fees, interests and over the limit fees. This type of financing helps those individuals that want to eliminate debt without having to declare bankruptcy.Interest free debt consolidation loans can be a blessing to anyone facing an unsure financial future because of past imprudent spending habits. Interest free debt consolidation can free a person of debt from credit cards, personal loans, store credit, lines of credit, medical bills, etc. This type of financing is not practical in consolidating mortgage or car loans, as they are not deemed unsecured credit.Many loans are available review on the Internet and one can interact with counselors who will help you fill out a financial questionnaire, su
Several days later, I took my 1943 Walkers to a local coin dealer, the first step in submitting them to a third party grading service. I didnt expect them to grade out as MS-65, but if they came back as MS-60 or MS-63, I could at least begin there to cut my losses. The dealer studied a couple of the coins closely under magnification, and then sadly declared the coins were damaged due to improper cleaning. He advised me not to have them professionally graded, because the cost of grading probably exceeded the value of the coins. With few options left, I put the tainted Walkers in storage, vowing never to repeat this experience.
Lets now flash forward to the present time. Normally, I dont like antagonizing myself, so it was with some reluctance that I fired up the computer to play the game What If? That is, what if I had spent my $1375 with a reputable dealer in 1985 to purchase Walking Liberty half dollars? What kind of value increases would I be enjoying today had I been smarter back then? To answer this question, I first retrieved the historic value trend tables I researched in late 2005 for Walking Liberty half dollars. For each date, mintmark, and condition, I noted their values in 1985, and placed them next to their corresponding values in 2005, for a before and after comparison. In all, there were about 450 such comparisons. Next, I calculated an annual compounded percentage return rate for each data pair, and sorted them from highest to lowest. I then listed the top 20 for closer examination:
Date...........Condition ..1985 Value ..2005 Value ..Annual ROR
1917-D Obv
.MS-65
.
..$3000
..$27500
.
..11.13%
1921-S
...F-12
.
....$30.00
..
.
..$250
.
..10.62%
1919-D
.
..MS-65
...$15000
.....$115000
.
....10.19%
1917-S Obv
.MS-65
...$5250
.
....$35000
..9.45%
1918-S
...MS-65
...$3000
..
...$17500
..8.76%
1916-S
.
..VG-8
..
..$30.00
.
..$150
.
..7.97%
1917-S Rev
. MS-65
.
..$3500
..$17500
..7.97%
1921-S
.
..VF-20
.
..$200
..
..$1000
..
..7.97%
1921-S
.
..XF-40
....$1000
..
..$5000
.
..7.97%
1921-S
.
..MS-65
..
..$22500
..$110000
..
..7.85%
1918-D
.
..F-12
..$8.50
..$40.00
..
..7.65%
1918-D
.
..MS-65
...$5500
....$25000
..
..7.48%
Of all the things I could have started, finding this work at home computer job saved me, mentally.Writing articles is such a natural...and not just for me. At last count there were more than 41,000 authors contributing their work to just this ONE directory. Obviously my love of writing articles is not something I'm doing alone.Each day, I start the coffee pot and make a blueprint of the categories of articles I want to create that day. I try to do as much as I can BEFORE I hit the keyboard because I use my time in front of my favorite 26 letters editing on the fly. I glance over at my daily blueprint and I try to beat whatever I have on that page.This is a nice tip for when you start your work from home computer job (which will hopefully include writing articles.)In fact, of all the options you have at your fingertips during your search, remember this: article writing can and SHOULD be a part of which ever home internet niche you get into.Why?Because writing articles will give you much needed, quality back links (from the directories themselves). You will also get exposure to tens of thousa
Lets now flash forward to the present time. Normally, I dont like antagonizing myself, so it was with some reluctance that I fired up the computer to play the game What If? That is, what if I had spent my $1375 with a reputable dealer in 1985 to purchase Walking Liberty half dollars? What kind of value increases would I be enjoying today had I been smarter back then? To answer this question, I first retrieved the historic value trend tables I researched in late 2005 for Walking Liberty half dollars. For each date, mintmark, and condition, I noted their values in 1985, and placed them next to their corresponding values in 2005, for a before and after comparison. In all, there were about 450 such comparisons. Next, I calculated an annual compounded percentage return rate for each data pair, and sorted them from highest to lowest. I then listed the top 20 for closer examination:
Date...........Condition ..1985 Value ..2005 Value ..Annual ROR
1917-D Obv
.MS-65
.
..$3000
..$27500
.
..11.13%
1921-S
...F-12
.
....$30.00
..
.
..$250
.
..10.62%
1919-D
.
..MS-65
...$15000
.....$115000
.
....10.19%
1917-S Obv
.MS-65
...$5250
.
....$35000
..9.45%
1918-S
...MS-65
...$3000
..
...$17500
..8.76%
1916-S
.
..VG-8
..
..$30.00
.
..$150
.
..7.97%
1917-S Rev
. MS-65
.
..$3500
..$17500
..7.97%
1921-S
.
..VF-20
.
..$200
..
..$1000
..
..7.97%
1921-S
.
..XF-40
....$1000
..
..$5000
.
..7.97%
1921-S
.
..MS-65
..
..$22500
..$110000
..
..7.85%
1918-D
.
..F-12
..$8.50
..$40.00
..
..7.65%
1918-D
.
..MS-65
...$5500
....$25000
..
..7.48%
Welcome to the wonderful world of fundraising through the windshield washing business. Sit back, grab a cup of coffee or cola, and relax as you learn from this manual on how you and your group can make up to $75.00 an hour or more for your groups needs.The windshield washing business is a business in which you can earn profits quickly for just a little investment (approx $2.00).This is a simple business that really works. Because it is easy, please don't over look its simplicity without giving it an honest try. It works!We use Windex, Newspapers and a sponge to make $75.00/hour.Several years ago as Youth Director of the United Pentecostal Church in Hackberry, LA (a small town population of 2,500 people approximately 30 miles south of Lake Charles, LA) if was my job to raise funds for our various projects for our group or donation to other causes.In our fund raising efforts in the past, we have tried candy sales, pizza sales, item sales, walk-a-thons and all sorts of other gimmicks. Most of these brought poor participation and little income for our youth group. It seems if we wanted to raise money
Date...........Condition ..1985 Value ..2005 Value ..Annual ROR
1917-D Obv
.MS-65
.
..$3000
..$27500
.
..11.13%
1921-S
...F-12
.
....$30.00
..
.
..$250
.
..10.62%
1919-D
.
..MS-65
...$15000
.....$115000
.
....10.19%
1917-S Obv
.MS-65
...$5250
.
....$35000
..9.45%
1918-S
...MS-65
...$3000
..
...$17500
..8.76%
1916-S
.
..VG-8
..
..$30.00
.
..$150
.
..7.97%
1917-S Rev
. MS-65
.
..$3500
..$17500
..7.97%
1921-S
.
..VF-20
.
..$200
..
..$1000
..
..7.97%
1921-S
.
..XF-40
....$1000
..
..$5000
.
..7.97%
1921-S
.
..MS-65
..
..$22500
..$110000
..
..7.85%
1918-D
.
..F-12
..$8.50
..$40.00
..
..7.65%
1918-D
.
..MS-65
...$5500
....$25000
..
..7.48%
1921-S
...VG-8
....$17.50
.
..$75.00
..
..7.18%
1921-D
.
..MS-65
.
..$6500
..
..$27500
..
..7.11%
1916-D
.
..VG-8
..
..$12.50
...$50.00
..
..6.82%
1938-D
.
..F-12
..$25.00
....$100
..
..6.82%
1938-D
...VG-8
..
..$20.00
.
..$80.00
..
..6.82%
1920-S
...MS-65
.
..$3750
..$15000
..6.82%
1917-D Rev
.VF-20
.
..$45.00
.
..$175
..
..6.68%
1938-D
...VF-20
.
..$32.50
.
..$125
..
..6.62%
The Walker with the best return since 1985 is the 1917-D (MM on Obverse) in MS-65 condition. At $3000, it was well beyond the $1375 available to me to spend on numismatics in 1985, as were all nine MS-65 coins appearing on the above Top 20 list. However, the remainder of the Top 20 represented coins in circulated grades, and all were within my price range. Had I directed my hard-earned cash toward the purchase of a legitimate example of each of these coins, I would have spent $1421, just barely above what I forked over to Mr. Carl. Today, those same Walking Liberty halves are cumulatively worth more than $7000. In pure financial terms, this increase computes to an annual compounded return rate of nearly 8.00%. If only I had known then
Take note that all 11 of the Walkers that I wish I had added to my collection in 1985 are recognized as key and semi-key dates in the Walking Liberty half dollar series. The fact that they are for well-circulated specimens (typically not the object of affection for promoters and speculators) suggests that what has propelled these coins to ever-increasing heights over the years is fueled by consistent collector demand. We can expect to see similar patterns in the future. If I were to conduct this same study in the year 2025, comparing retail values then to what they were in the year 2005, the Top 20 would probably strongly resemble the Top 20 in 2005.
What became of the 1943 Walking Liberty half dollars Mr. Carl suckered me into buying? Well, I still have them, squirreled away in a bank deposit box. I havent even looked at them in a decade or so. As I was writing the final words of this article, it finally dawned on me to ask one more question: how would my investment have performed had these been bona-fide MS-65 specimens? Taking the same body of data used to derive the Top 20 above, I started thumbing down the list going down, down, and down some more. Finally, I came across the 1943 in MS-65 condition, on line 419. The annual rate of return of this coin since 1985 is a dismal -2.13%. Thats a NEGATIVE 2.13%. Ironically, even had Mr. Carl been an honest businessman, it still would have been a lousy investment for me.
There are two lessons to be learned here: (1) If interested in seeing your coins increase substantially in value in the years ahead, purchase coins that have already demonstrated a long record of consistent price advancements, which usually are the key and semi-key dates for a given series, and (2) Deal only with reputable people.
So what ever happened to the slimy Mr. Carl and his band of thieves? Well, perhaps there is some justice in this world, after all. In late 1989, about the time I discovered I was being victimized, the United States Postal Inspection Service began an undercover sting operation of the company. Apparently, I wasnt the only unhappy customer, but my losses were minimal compared to the sums bilked out of others. In February, 1991, postal agents stormed the boiler room outfit, executing a federal search warrant based on a complaint involving the alleged fraudulent selling of coins through the mail. Mr. Carl and others were arrested and led away in handcuffs.
Postal authorities publicized that anyone with grievances against the company was encou
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