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	<title>Micros Report &#187; Letter</title>
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		<title>Buying and Selling 20 Dollar Gold Coins</title>
		<link>http://www.microsreport.com/investment/coin/buying-and-selling-20-dollar-gold-coins/</link>
		<comments>http://www.microsreport.com/investment/coin/buying-and-selling-20-dollar-gold-coins/#comments</comments>
		<pubDate>Wed, 18 May 2011 12:38:42 +0000</pubDate>
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				<category><![CDATA[Coin]]></category>
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		<guid isPermaLink="false">http://www.microsreport.com/?p=1252</guid>
		<description><![CDATA[&#160; gold dollar coins Buying or selling gold coins is directly or indirectly to a process of financial investment as well as aesthetic pleasure. Some coins reach premium heavy because of their rarity and quality. The dignity of gold coin can be measured with the wear and handling of the money that is on the [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">&nbsp;</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins.jpg"><img class="size-medium wp-image-1253" title="gold dollar coins" src="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-300x300.jpg" alt="gold dollar coins 300x300 Buying and Selling 20 Dollar Gold Coins" width="300" height="300" /></a></dt>
<dd class="wp-caption-dd">gold dollar coins</dd>
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<p style="text-align: justify;">Buying or selling gold coins is directly or indirectly to a process of financial investment as well as aesthetic pleasure. Some coins reach premium heavy because of their rarity and quality. The dignity of gold coin can be measured with the wear and handling of the money that is on the coin. Rarity of Money plays a major role in improving the assessment.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-2.png"><img class="size-full wp-image-1254" title="gold dollar coins 2" src="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-2.png" alt="gold dollar coins 2 Buying and Selling 20 Dollar Gold Coins" width="600" height="600" /></a></dt>
<dd class="wp-caption-dd">gold dollar coins</dd>
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<p style="text-align: justify;">Gold coins were minted originals as the legal tenders by the governments of countries around the world. Prior  to 1930, when governments were out of the gold standard, including the  United States, production of gold coin was launched. Even if gold coins are marked with a value on them, cost more than the indicated value as it contains real gold in it. Gold coins also convey the history and art, all the coins have their historical values.<br />
$ 20.00 gold coin is about the size of half a dollar coin weighs one ounce, which is standard. Weighs more than $ 20 real money. There are some smaller denominations minted as $ 1, $ 3, $ 5 and $ 10. Some  foreign coins are also available that are very popular as the British  Sovereign gold weighing about quarter ounce and one ounce Franc which is  the fifth gold.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-3.jpg"><img class="size-full wp-image-1255" title="gold dollar coins 3" src="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-3.jpg" alt="gold dollar coins 3 Buying and Selling 20 Dollar Gold Coins" width="514" height="475" /></a></dt>
<dd class="wp-caption-dd">gold dollar coins</dd>
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<p style="text-align: justify;">Gold sovereigns are among the most popular series of gold coins in the world. About.2354 weighs ounces of gold and the size is about the same as the U.S. nickel. Is coined by the British in 1489 and was issued with a portrait of Henry VII. These coins have been replaced by the Member of the United States and Guinea 1604-1816, but came to light again in 1817. This time it was issued with a portrait of George III. When the United States won its independence was King George III of England. The Age of George III, until he was present is considered as a modern sovereign.</p>
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<dl id="attachment_1256" class="wp-caption aligncenter" style="width: 310px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-4.jpg"><img class="size-full wp-image-1256" title="gold dollar coins 4" src="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-4.jpg" alt="gold dollar coins 4 Buying and Selling 20 Dollar Gold Coins" width="300" height="300" /></a></dt>
<dd class="wp-caption-dd">gold dollar coins</dd>
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<p style="text-align: justify;">Gold Sovereigns always features the portrait of the king or queen ruling. Coins can be collected in a basic way, whereas the monarch. The  portraits of George III, George IV, George V, George VI, William IV,  Victoria, Edward VII, and Elizabeth are commonly seen on the coins of  modern sovereignty. No sovereign has been made with the portraits of King Edward VIII reigned for less than a year.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-5.jpg"><img class="size-full wp-image-1257" title="gold dollar coins 5" src="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-5.jpg" alt="gold dollar coins 5 Buying and Selling 20 Dollar Gold Coins" width="320" height="320" /></a></dt>
<dd class="wp-caption-dd">gold dollar coins</dd>
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<p style="text-align: justify;">A sovereign was specially designed and built in 1989 to commemorate the 500th anniversary of gold coins. One has the impression of Elizabeth II, sitting on his throne. Many gold sovereigns have the reverse design of St. George slaying the dragon. Collecting gold sovereigns with reverse designs can be easily done as these coins are not expensive. There is a mark indicating the country of manufacture of the sovereign. This  mark is a small letter that is relevant under the picture or on the  opposite side of the coin, as it is&#8217; S &#8216;for Sydney,&#8217; M &#8216;for Melbourne,&#8217; C  &#8216;for Canada,&#8217; I &#8216;for India&#8217; SA &#8216;for South Africa. If a coin has no mint mark and says it is building in London. Since 1932 all the rulers are manufactured in London.</p>
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<dl id="attachment_1258" class="wp-caption aligncenter" style="width: 310px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-6.jpg"><img class="size-medium wp-image-1258" title="gold dollar coins 6" src="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-6-300x300.jpg" alt="gold dollar coins 6 300x300 Buying and Selling 20 Dollar Gold Coins" width="300" height="300" /></a></dt>
<dd class="wp-caption-dd">gold dollar coins</dd>
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<p style="text-align: justify;">Collecting gold sovereigns within these dates is a very ambitious to do a collection. There are only the main gaps during the reign of George V, George VI and Elizabeth II. The coins that are much older they are more expensive. Buy rulers every year, can be very expensive. Some coins are so rare that may be impossible to buy at any price. Purchase  and sale of these coins can be done through the Internet, be sure to  check out some coin books or the Internet to determine the actual price  of them. Knowledge of the current price may be useful to know the rise and fall of interest rates. Make sure you are dealing with the right person and the vendor reputation and ensure all the handling and shipment.</p>
<p style="text-align: justify;">&nbsp;</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-7.png"><img class="size-full wp-image-1259" title="gold dollar coins 7" src="http://www.microsreport.com/wp-content/uploads/2011/05/gold-dollar-coins-7.png" alt="gold dollar coins 7 Buying and Selling 20 Dollar Gold Coins" width="480" height="480" /></a></dt>
<dd class="wp-caption-dd">gold dollar coins</dd>
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<h4>Incoming search terms:</h4><ul><li>gold dollar coins</li><li>gold coin png</li><li>gold dollar coin</li><li>gold dollar</li><li>1 dollar gold coin</li><li>one dollar gold coin</li><li>20 dollar gold coin</li><li>us gold coin</li><li>gold dallor coins</li><li>twenty dollars gold coin</li><li>twenty dollar gold coin</li><li>coins from around the world</li><li>indian gold coins images</li><li>rare silver dollar coins</li><li>american currency coins</li><li>gold photos</li><li>gold standard</li><li>1 dollar gold coin value</li><li>rare foreign money</li><li>foriegn coins</li></ul>]]></content:encoded>
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		<item>
		<title>American Eagle Silver Dollar Coins &#8211; The Reasoning Behind the Rationing</title>
		<link>http://www.microsreport.com/investment/coin/american-eagle-silver-dollar-coins-the-reasoning-behind-the-rationing/</link>
		<comments>http://www.microsreport.com/investment/coin/american-eagle-silver-dollar-coins-the-reasoning-behind-the-rationing/#comments</comments>
		<pubDate>Sun, 24 Apr 2011 20:18:27 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Coin]]></category>
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		<guid isPermaLink="false">http://www.microsreport.com/?p=1158</guid>
		<description><![CDATA[&#160; silver dollar coins American Eagle Silver Dollar collectors are angry. And with good reason. In March, the mint of the United States suddenly stopped taking orders for silver bullion coins. And in late May, has imposed limits on the purchase of its 13 authorized buyers worldwide. silver dollar coins The U.S. Mint has limited [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">&nbsp;</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins.jpg"><img class="size-full wp-image-1159" title="silver dollar coins" src="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins.jpg" alt="silver dollar coins American Eagle Silver Dollar Coins   The Reasoning Behind the Rationing" width="262" height="262" /></a></dt>
<dd class="wp-caption-dd">silver dollar coins</dd>
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<p style="text-align: justify;">American Eagle Silver Dollar collectors are angry. And with good reason. In March, the mint of the United States suddenly stopped taking orders for silver bullion coins. And in late May, has imposed limits on the purchase of its 13 authorized buyers worldwide.</p>
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<dl id="attachment_1160" class="wp-caption aligncenter" style="width: 410px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-2.jpg"><img class="size-full wp-image-1160" title="silver dollar coins 2" src="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-2.jpg" alt="silver dollar coins 2 American Eagle Silver Dollar Coins   The Reasoning Behind the Rationing" width="400" height="400" /></a></dt>
<dd class="wp-caption-dd">silver dollar coins</dd>
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<p style="text-align: justify;">The U.S. Mint has limited silver purchases before the end of 1990. Investors  loaded on the precious metal, fearing that the economy would be  paralyzed by the inability of computers&#8217; to adapt to the new millennium.  The U.S. Mint said the rationing as a necessary decision, due to unprecedented demand for silver American Eagles.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-3.jpg"><img class="size-full wp-image-1161" title="silver dollar coins 3" src="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-3.jpg" alt="silver dollar coins 3 American Eagle Silver Dollar Coins   The Reasoning Behind the Rationing" width="300" height="300" /></a></dt>
<dd class="wp-caption-dd">silver dollar coins</dd>
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<p style="text-align: justify;">In 2008, the U.S. Mint has sold 6.8 million American Eagle Silver Coins. This is twice the amount that was sold in 2007. In March alone, sales of silver eagles has risen to € 1.85 million, nine times the amount sold during the month of February! Clearly,  the mint of the United States miscalculated the strength of the silver  bull market and the demand for American Eagle Silver Dollar coins.</p>
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<dl id="attachment_1162" class="wp-caption aligncenter" style="width: 310px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-4.jpg"><img class="size-medium wp-image-1162" title="silver dollar coins 4" src="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-4-300x225.jpg" alt="silver dollar coins 4 300x225 American Eagle Silver Dollar Coins   The Reasoning Behind the Rationing" width="300" height="225" /></a></dt>
<dd class="wp-caption-dd">silver dollar coins</dd>
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<p style="text-align: justify;">But what has caused this unprecedented demand for these silver bullion coins? Here are some possible reasons:</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-5.jpg"><img class="size-full wp-image-1163" title="silver dollar coins 5" src="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-5.jpg" alt="silver dollar coins 5 American Eagle Silver Dollar Coins   The Reasoning Behind the Rationing" width="300" height="300" /></a></dt>
<dd class="wp-caption-dd">silver dollar coins</dd>
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<p style="text-align: justify;">The silver price is rising. On 3 January 2000, the first trading day of the new millennium, the spot price of silver traded at $ 5.41. Recently, the spot price of silver has traded as high as $ 20 an ounce, a 386 percent return on investment!<br />
Traditionally, more silver is mined every year than gold. Therefore, silver is much cheaper and more convenient for individual collectors to buy gold.<br />
The American Eagle silver coin is the only American silver coin that can be invested in an IRA. Therefore, the purchase of Silver Eagles are a popular way for a small investor to participate in the bull market in silver.</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1164" class="wp-caption aligncenter" style="width: 310px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-6.jpg"><img class="size-medium wp-image-1164" title="silver dollar coins 6" src="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-6-300x198.jpg" alt="silver dollar coins 6 300x198 American Eagle Silver Dollar Coins   The Reasoning Behind the Rationing" width="300" height="198" /></a></dt>
<dd class="wp-caption-dd">silver dollar coins</dd>
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<p style="text-align: justify;">But this increase in demand is the only reason for the rationing of Silver Eagle coins these?</p>
<p style="text-align: justify;">Rumor Has It that the U.S. mint ran out of logs used to create coins. A Planchet, or vacuum as they are sometimes referred to, is a round metal disk that is ready to be struck into coins. These  logs are used to create other coins and Silver American Eagles, and the  companies producing the blanks are busy, limiting the offer received  from the U.S. Mint.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-7.jpg"><img class="size-full wp-image-1165" title="silver dollar coins 7" src="http://www.microsreport.com/wp-content/uploads/2011/04/silver-dollar-coins-7.jpg" alt="silver dollar coins 7 American Eagle Silver Dollar Coins   The Reasoning Behind the Rationing" width="300" height="173" /></a></dt>
<dd class="wp-caption-dd">silver dollar coins</dd>
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<p style="text-align: justify;">The  Silver Institute, a nonprofit industry association based international  in Washington, DC, wrote a letter to U.S. Mint Director, urging him to  take immediate steps to increase production of the popular Silver  Eagles. With  silver bullion on the rise, the Silver Institute asked the U.S. Mint to  consider alternative methods to streamline the production process of  the American Eagle Silver Dollar coin.</p>
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		</item>
		<item>
		<title>What are Proof Coins?</title>
		<link>http://www.microsreport.com/investment/coin/what-are-proof-coins/</link>
		<comments>http://www.microsreport.com/investment/coin/what-are-proof-coins/#comments</comments>
		<pubDate>Tue, 19 Apr 2011 22:21:56 +0000</pubDate>
		<dc:creator></dc:creator>
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		<guid isPermaLink="false">http://www.microsreport.com/?p=1023</guid>
		<description><![CDATA[&#160; proof coin In numismatics, the &#8220;Proof&#8221; is a type of currency that is often sought after by collectors. They are especially designed coins with the highest standard and finish. The qualities are very different than the typical widespread currency because of their reflective properties and construction. proof coin So what makes a coin test [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">&nbsp;</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1024" class="wp-caption aligncenter" style="width: 220px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-001.jpg"><img class="size-medium wp-image-1024" title="proof coin 001" src="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-001-210x300.jpg" alt="proof coin 001 210x300 What are Proof Coins?" width="210" height="300" /></a></dt>
<dd class="wp-caption-dd">proof coin</dd>
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</div>
<p style="text-align: justify;">In numismatics, the &#8220;Proof&#8221; is a type of currency that is often sought after by collectors. They are especially designed coins with the highest standard and finish. The qualities are very different than the typical widespread currency because of their reflective properties and construction.</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1025" class="wp-caption aligncenter" style="width: 300px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-002.jpg"><img class="size-full wp-image-1025" title="proof coin 002" src="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-002.jpg" alt="proof coin 002 What are Proof Coins?" width="290" height="290" /></a></dt>
<dd class="wp-caption-dd">proof coin</dd>
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<p style="text-align: justify;">So what makes a coin test so different? A newly minted coin can not be transmitted to the public, but this does not necessarily make the coin a coin test. To really understand the difference, you&#8217;d want to understand how money is made.</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1026" class="wp-caption aligncenter" style="width: 310px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-003.jpg"><img class="size-medium wp-image-1026" title="proof coin 003" src="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-003-300x150.jpg" alt="proof coin 003 300x150 What are Proof Coins?" width="300" height="150" /></a></dt>
<dd class="wp-caption-dd">proof coin</dd>
</dl>
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<p style="text-align: justify;">Proof construction is different from coins in circulation. The currency was forged when two dies strike and collide with the metal. The two arrays have the front and back of the medal engraved with the design of the coin. In addition, the coin is struck twice to give the design a more detailed view of other currencies. Striking two times, the metal is more integrated in the model of the mold and allows finer lines and shapes.</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1027" class="wp-caption aligncenter" style="width: 330px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-004.jpg"><img class="size-full wp-image-1027" title="proof coin 004" src="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-004.jpg" alt="proof coin 004 What are Proof Coins?" width="320" height="319" /></a></dt>
<dd class="wp-caption-dd">proof coin</dd>
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<p style="text-align: justify;">The single currency is also evidence of the mold and Polish Treaty, which gives it a different coins in circulation. The molds are used with the acid and the background of the mold is polished. This gives the coin a specular appearance for the background and a frosted look to other parts of the design of the coin.</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1028" class="wp-caption aligncenter" style="width: 410px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-005.jpg"><img class="size-full wp-image-1028" title="proof coin 005" src="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-005.jpg" alt="proof coin 005 What are Proof Coins?" width="400" height="300" /></a></dt>
<dd class="wp-caption-dd">proof coin</dd>
</dl>
</div>
<p style="text-align: justify;">Try also the coins have a noticeable difference. The coins will typically have a letter, a mint mark, next year on the embedded currency. The letter indicates the location where the coin was minted. common places include P or D for Denver to Philadelphia.</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1029" class="wp-caption aligncenter" style="width: 250px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-006.jpg"><img class="size-full wp-image-1029" title="proof coin 006" src="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-006.jpg" alt="proof coin 006 What are Proof Coins?" width="240" height="180" /></a></dt>
<dd class="wp-caption-dd">proof coin</dd>
</dl>
</div>
<p style="text-align: justify;">In numismatics, the classification of evidence is based on &#8220;PR&#8221; or &#8220;PF&#8221;. This is not too different from the classification of other currencies nondisclosure. The vote could be anywhere from PR60 to PR70, PR70, where it would be perfect. If the vote is less than PR70, the vote is less than perfect as it gets lower. Sometimes the level may fall below PR60 if the currency were harmed during the manufacturing process.</p>
<div class="mceTemp mceIEcenter" style="text-align: justify;">
<dl id="attachment_1030" class="wp-caption aligncenter" style="width: 310px;">
<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-007.png"><img class="size-medium wp-image-1030" title="proof coin 007" src="http://www.microsreport.com/wp-content/uploads/2011/04/proof-coin-007-300x300.png" alt="proof coin 007 300x300 What are Proof Coins?" width="300" height="300" /></a></dt>
<dd class="wp-caption-dd">proof coin</dd>
</dl>
</div>
<p style="text-align: justify;">There is a variant of the coin test &#8220;negative test&#8221;. Reverse coins proof coins are very similar to the test. However the big difference is that the field (empty space) has a characteristic cold-like, almost like burnished metal. Devices raised (raised images) have a quality as a mirror. It  is commonly believed that only one side of the coin&#8217;s reverse features  the test &#8211; because the word &#8220;reverse&#8221; is often associated with the side  of a reserve currency. But both sides have the characteristics of stock-proof.</p>
<p style="text-align: justify;">Another variant of the test are the prestige proof coin. These coins were commemorative pieces during 1990, as defined by the popular district of the state.</p>
<p style="text-align: justify;">The coins are not cheap. Depending on the year or collection, proof coins can be set back from a few dollars to thousands of dollars. It &#8216;important to assess the value of a coin collector or coin expert professional advice.</p>
<p style="text-align: justify;">For numismatic coins proof should be valuable pieces in any collection. Proof coins are made with more precision than the finest materials and implements. These all provide money by collecting a trophy piece for any collector.</p>
]]></content:encoded>
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		<title>How To Spot A Franchise Scam</title>
		<link>http://www.microsreport.com/business/how-to-spot-a-franchise-scam/</link>
		<comments>http://www.microsreport.com/business/how-to-spot-a-franchise-scam/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 20:03:41 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[agency]]></category>
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		<category><![CDATA[Franchise]]></category>
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		<guid isPermaLink="false">http://www.microsreport.com/?p=131</guid>
		<description><![CDATA[There are several ways, and knowing them may well be your only protection against falling victim to one. Franchising has made great inroads in the Philippines because of the increasing number of people succeeding in business through this route. But franchising has a downside: it has given rise to scams. Franchise scams have indeed been [...]]]></description>
			<content:encoded><![CDATA[<div id="body" style="text-align: justify;">
<p><img class="alignleft size-medium wp-image-132" title="scam" src="http://www.microsreport.com/wp-content/uploads/2010/01/scam-300x272.jpg" alt="scam 300x272 How To Spot A Franchise Scam " width="300" height="272" />There are several ways, and knowing them may well be your only protection against falling victim to one.</p>
<p>Franchising has made great inroads in the Philippines because of the increasing number of people succeeding in business through this route.<br />
But franchising has a downside: it has given rise to scams.</p>
<p>Franchise scams have indeed been on the upswing, but it hasn&#8217;t reached crisis proportions as it had in the United States in the 70s &#8211; considered the franchising &#8220;dark ages&#8221; &#8211; when countless individuals were duped into investing in non-existent franchises.</p>
<p><span id="more-131"></span>The situation became so bad that the United States government had to step in to regulate the franchising sector.</p>
<p>We haven&#8217;t reached the boiling point yet, but we may well be on our way if we did not take steps to stop franchise scams in their tracks.</p>
<p>Unfortunately we are on our in this, as no government agency exists to regulate franchise operations in the Philippines.</p>
<p>But we can start by advocating responsible franchising.</p>
<p>It doesn&#8217;t mean we&#8217;re promoting &#8220;perfect franchising,&#8221; because nowhere in the world would one find a foolproof system.</p>
<p>Each franchise system is fraught with problems and challenges and it is vital for one to know how to distinguish between a responsible franchiser and a con artist.</p>
<p>The first will readily admit that his system is imperfect, but he&#8217;s committed to helping the franchisees achieve the same level of success he did with company-owned branches.<br />
The latter will rave about his franchise but gloss over its imperfections.</p>
<p>He&#8217;s our only to collect the fees and is not the least interested in helping the franchisees.<br />
Despite the obvious difference many people couldn&#8217;t tell one from other.</p>
<p>Being able to spot a franchise scam is the best way to avoid losing our shirt.</p>
<p>The following are the red flags to look for to keep from falling prey to swindlers.</p>
<p>Promise of good returns. Like a suitor who would vow to give heaven and earth, you will know the franchiser is pulling your leg if he promises too-good to be true profits even with little or no effort from you.</p>
<p>Responsible franchisers do not guarantee specific rate of returns.</p>
<p>All they will offer is a business system that has worked for them and, if followed to the letter, would also work for you were hands on with the business.</p>
<p>Good franchisers lay their cards on the table and know how to manage your expectations.<br />
They are successful because they&#8217;ve worked hard to build their system and are committed to growing it through franchising.</p>
<p>High-pressure tactics. Be wary of people who pressure you into parting with your money now because the franchise feeds will go up tomorrow, or lure you into getting their buy-one, get-one-franchise free offer.</p>
<p>This tactic not only trivializes a franchise, but also deprives you of your right to do due diligence.<br />
A franchise often entails a major investment, and those not wanting you to do some background checks are those with skeletons to hide.</p>
<p>Evasive answers to questions about the franchise. Franchisers or their representatives should know their franchise like the back of their hand.</p>
<p>They should be able to answer whatever questions you may have.</p>
<p>And if they cannot answer right away, at least they&#8217;re eager to get back to you as soon as they have it.</p>
<p>Your alarm bells should sound once you ask how long the franchise has been around or how well the franchised outlets have been doing and they answer by hyping their profits instead.</p>
<p>A con artist is one who paints a rosy picture of his franchise- how profitable all the franchised outlets have been, and the short time you can get your investment back.</p>
<p>The franchiser not having a track record. A business concept that has not been tested in the market, or a franchise with no company-owned branches is one indication of a franchise scam.<br />
Fro a franchiser to be considered legitimate, he should have been franchise at least a year, and is overseeing at least a couple of successful company-owned outlets.</p>
<p>Responsible franchising means the franchiser is making available a business system that he has operated successfully.</p>
<p>What model can he hold up if the franchiser has not proved that his system actually working? How can the franchiser share a successful experience if he has none?</p>
<p>Steep start-up fees. Any franchise investment can be broken down and each fee justified. There is a formula for computing the fees that franchisers follow when franchising their business.</p>
<p>Responsible franchise investment because the sooner the franchisee recovers the investment, the better for the business and the franchiser&#8217;s reputation.</p>
<p>A swindler will tend to charge exorbitant fees because he is more interested in raking in money than in the franchisee recouping his investment.</p>
<p>A true franchiser cares about how you will recover your investment and is upfront with how your payment will be used in the franchise.</p>
<p>Talking with the franchisee broker instead of with the franchiser.</p>
<p>While franchise brokers may be of help, their involvement ends at some point in the application process.</p>
<p>You should have the chance to meet with the franchiser, and the broker should be willing to schedule a meeting.</p>
<p>If the broker turned down your request for an appointment, it is time to look for other franchise offerings.</p>
<p>A franchise is fraudulent if the only people willing to sit down with you are the brokers or the marketing staff. You should be able to meet the franchiser in person.</p>
<p>Lack of a franchise organization. Check if the franchiser has put an organization on place that will guide you when you operate your franchise. If there is none, it means you will be on your own when you operate your franchise.</p>
<p>Bona fide franchisers design an effective system that will help you make your franchised branch a success.</p>
<p>These are but a few of the warning signs to watch when buying a franchise, although still the best way to protect us from falling victims is to do our homework.</p>
<p>We should neither allow ourselves to be stampeded into buying a franchise nor be lured by attractive sales pitches.</p>
<p>Invest time instead in verifying franchise offerings that caught our interest, and making sure their franchisers have a solid track record and reputation in the industry.</p>
<p>Talk with as many people as possible with the franchisers, the middle management of the franchise organizations, and more important, the franchisees themselves.</p>
<p>You will then be contributing towards stemming the tide of franchise scams in the country.<br />
Unscrupulous franchisers erode the credibility of franchising, and discourage others from using this expansion route that has changed world of business.</p>
<p>&#8216;EACH FRANCHISE system is fraught with problems and challenges and it is vital for one to know how to distinguish between a responsible franchiser and a con artist.&#8217;</p>
</div>
]]></content:encoded>
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		</item>
		<item>
		<title>How Tax Codes Worked Out</title>
		<link>http://www.microsreport.com/tax/how-tax-codes-worked-out/</link>
		<comments>http://www.microsreport.com/tax/how-tax-codes-worked-out/#comments</comments>
		<pubDate>Fri, 03 Jul 2009 15:45:46 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Tax]]></category>
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		<category><![CDATA[blind person]]></category>
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		<guid isPermaLink="false">http://www.microsreport.com/?p=69</guid>
		<description><![CDATA[Step one Your tax allowances are added up (in most cases this will just be your personal allowance and any blind person&#8217;s allowance, in some cases it may include certain job expenses). Step two Income you&#8217;ve not paid tax on (for example untaxed interest or part-time earnings) and any taxable employment benefits are added up. [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;"><img class="alignleft size-medium wp-image-70" title="taxcode" src="http://www.microsreport.com/wp-content/uploads/2010/01/taxcode-300x199.jpg" alt="taxcode 300x199 How Tax Codes Worked Out" width="300" height="199" />Step one</p>
<p style="text-align: justify;">Your tax allowances are added up (in most cases this will just be your personal allowance and any<br />
blind person&#8217;s allowance, in some cases it may include certain job expenses).</p>
<p style="text-align: justify;">Step two</p>
<p style="text-align: justify;">Income you&#8217;ve not paid tax on (for example untaxed interest or part-time earnings) and any taxable employment benefits are added up.</p>
<p style="text-align: justify;"><span id="more-69"></span>Step three</p>
<p style="text-align: justify;">The total amount of income you&#8217;ve not paid any tax on (called &#8216;deductions&#8217;) is taken away from the total amount of tax allowances (worked out as above). The amount you are left with is the total of taxfree income you are allowed in a year.</p>
<p style="text-align: justify;">Step four</p>
<p style="text-align: justify;">To arrive at your tax code the amount of tax-free income you are left with is divided by 10 and added to the letter which fits your circumstances.</p>
<p style="text-align: justify;">Example: The tax code 117L means that you are entitled to a personal allowance of £1,170 and therefore, any amounts earned above this threshold in the current tax year will be subject to income tax.</p>
<p style="text-align: justify;">How the &#8216;K code&#8217; works</p>
<p style="text-align: justify;">If your deductions (untaxed income on which tax is still due) are more than your allowances you&#8217;ll be given a K code, to ensure you pay tax on the excess.</p>
<p style="text-align: justify;">The excess tax due is divided by 10 and added to the letter K. So, whereas with other tax codes the number indicates the amount of income you can have tax-free, the number in a K code indicates how much must be added to your taxable income.</p>
<p style="text-align: justify;">K code example</p>
<p style="text-align: justify;">K497 means:</p>
<p style="text-align: justify;">your untaxed income was £4,970 greater than your tax-free allowances as a result, £4,970 must be added to your total taxable income to ensure the right amount of tax<br />
is collected.</p>
<p style="text-align: justify;">If you&#8217;re employed or between jobs</p>
<p style="text-align: justify;">Your tax code is written on your P45 (given to you by your employer when you stop working for them). This is why it&#8217;s very important to give this to your new employer when you change jobs. If you&#8217;ve lost your P45 and want to find out your tax code contact your tax office and give them your National Insurance number and tax reference number.</p>
<p style="text-align: justify;">If you&#8217;re starting your first job</p>
<p style="text-align: justify;">If you&#8217;re starting your first job and don&#8217;t have a P45, your employer will give you a P46 to fill in and sign Your employer will allocate a tax (depending on your circumstances) code and work out the tax due.</p>
<p style="text-align: justify;">HMRC will process your P46 and, where necessary, revise your tax code. If you&#8217;ve paid too much tax, your employer will make the necessary repayment. (If the tax year has ended before this is worked out, then HMRC will make the repayment.) If you haven&#8217;t paid enough tax your tax code can be amended to collect the underpaid tax (K code).</p>
<p style="text-align: justify;">If you get a company or personal pension</p>
<p style="text-align: justify;">You&#8217;ll find your tax code on your &#8216;notice of coding&#8217; sent to you by your tax office after the start of each tax year (and at other times if your tax code changes). You&#8217;ll also find your tax code on notices and payslips from your pension provider.</p>
<p style="text-align: justify;">Changes that might affect your tax code</p>
<p style="text-align: justify;">You must keep us informed of any change in your circumstances, for example if:<br />
you get married, form a civil partnership or separate or either of you was born before 6 April 1935 you start to receive a second income the amount of untaxed income you get increases or reduces.</p>
<p style="text-align: justify;">If you do not do this you could end up paying the wrong amount of tax. If your tax code is changed, you should receive a &#8216;notice of coding&#8217; from your tax office. Keep all notice of coding letters for reference in case you have any questions or need to check you are paying the right level of tax.</p>
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