How To Get The Most Cash For Your Gold In Brisbane

It seems that gold buyers are springing up everywhere. All these gold buyers claim that they can offer you a better price than any other competitor. Common sense should tell you that this is mere marketing hype to get you to choose a specific buyer over any other. 

It is impossible for every buyer to pay top dollar. So, when you are looking for a gold buyer you should check how true their claims. This means you need to take some time to check out all the gold buyers in Brisbane. 

But before you tie yourself in knots about who Brisbanes highest paying gold buyers are, there are specific features you should be on the look out for:

A physical location

Whilst the idea of selling or buying gold from the comfort of your own home via the internet may sound convenient, be careful of business that only have an internet presence. 

There are horrible stories of people getting either getting paid far less than they deserve or losing their gold in the mail. Most physical buyers operating from actual brick-and-mortar establishments use the internet as an alternative. It's better to have two alternatives.

A well established gold buyer

Gold's dealers who have been in business for long understand that success hinges on the reputation they carve for themselves. A reputable gold buyer will want to offer the best price because that is the only way to get repeat customers and referrals.

Valuations based on assayed and current spot prices

When selling your gold, you should insist on a written quotation. You should also be wary of buyers who are quick to give you estimates without ever seeing the actual gold. These buyers offer low rates because they bank on the seller's need to get cash quickly. 

The buyer should also give you a written quotation. This will help you hold the buyer to his promise or words. Written quotations are also a useful tool when the time comes for you to haggle over the price. 




It helps to have a general idea of what you should be shooting for when it comes to valuing your gold. To do that, simply multiple the weight of your gold by the current spot price. 

So for instance if you have 10 ounces of 22k gold this means your gold is 91.7% pure and the dealer can only pay you for 9.17 ounces. Take that and multiply it by the current spot price. Brisbanes highest paying gold buyers should be able to offer about 95% of the spot price. 

You can even get the best price if you have a large amount of gold or if the dealer is in short supply. Other gold buyers like pawn shops offer low returns. It can sometimes be more than half the bullion content. This is why you need to shop around.

The moral of this story is that, the best way to get the most for your gold sales is to research and educate yourself about the process. Gold buyers are a dime a dozen, but they are not all the same. Proper due diligence will get you the best deal from the best dealers in Brisbane.

Letters and Emails and Calls—Oh My! How to Avoid Getting Scammed

A sweepstakes prize notification comes in the mail. Some anonymous phone call promises you a free vacation. Through an ominous sounding email, you are warned of potential prosecution for tax evasion or public humiliation for visiting an inappropriate website.

These are only but an example of the many types of fraudulent snail and emails and phone calls. This bombardment of scams preys a poem victims responding to high pressure and lack of information. Here are a few ways you can avoid the scams.

Do a Search

Often, scammers will have an email or phone number but no identity of the company or entity. This alone can signal a potential scam. Not surprisingly, the cheats do not want themselves revealed.

Type in the email address, regular mail address, or phone number into an online database or reverse search service. If the scammer has done this with other people, chances are people have talked about it online.

Include in your Google search a few words or phrases from the message. This may generate hits from government or consumer watchdogs, such as the Better Business Bureau, that contain warnings. If you’re suspicious, contact your local Better Business Bureau, state consumer protection office or the Federal Trade Commission.

Smell a Phish

Phishing refers to attempts to get your personal and financial information, such as Social Security numbers, bank account numbers and credit card account numbers. Often, these scammers will mimic a legitimate company (including one with whom you have dealings) or a government agency.





The call, mail or email may contain a warning that you will face prosecution or other dire consequences unless you hand over information and pay money. Other scammers phish by claiming that they need updated information from you or that an invoice his due.

The IRS will not call you to collect on unpaid taxes. Instead, it will send you an official notice based upon items specific to your tax return or situation, which a scammer likely would not have. Credit card and other companies with whom you deal already obtained information from you when you opened the account. Contact your companies to learn their procedures for contacting you. Ignore invoices for items you have not ordered or companies you have not contacted.

Check for grammatical and spelling errors as well as for the original source of the email.

Avoid Those Who Want You to Be “Up Front”

This is not a call for you to be dishonest. It is a warning to avoid those who want you to pay in advance for particular items.

One of these types of scams inform you that you have won a prize, but you must furnish your credit card and other financial information to pay for shipping and handling. Not surprisingly, the charge appears on your card, but no prize appears at your door or mailbox. The pay up front scams often populate themselves in work-at-home for other employment schemes, promises for debt relief and mortgage assistance. Often, these “pay in advance” scammers do not have a company name or address.

Additionally, be aware that legitimate, professional agencies will never ask for payment in the form of gift cards. Scammers often ask for forms of payment that you can’t recover or cancel if you second guess them later.

Avoiding scams through the mail, email and telephone requires that you resist. That is, don’t succumb to the pressure to respond immediately. Investigate the message or claim. Consult legitimate online resources, official agencies (local, state and federal) and your own common sense. Often, no response to the message is the best approach.

Unknowingly Uninsured: 4 Uncommon Commercial Insurances

Insuring your small business is an important way to protect it. Most small business owners know the basics and understand that it’s important to protect their property and equipment as well as protect themselves from liability if something goes wrong. 

Depending on the type of business you own, however, you may need to go beyond the basics and seek out more unconventional coverage.

Tattoo and Piercing Insurance

Tattoos and piercing make fairly permanent changes to the body and can come with the risk of infection and other complications. As such, it’s wise for tattoo artists to purchase special insurance that covers all tattoo and body piercing work, no matter where it is on the body. 

Check your policy carefully, making sure it extends coverage to guest artists and that your protection goes with you to any festivals or exhibits you work.

Day Spa Insurance

Like tattoo parlors, day spas should carry special insurance. It’s important for spa owners to protect themselves from malpractice and abusive or unlawful acts committed by employees. Your policy should contain special provisions if you travel to clients’ homes or businesses for massage work. 




Most medispa insurance policies cover you and your employees. Specially for If you have massage therapists working with you as independent contractors, make sure your insurance covers them if they are under insured or uninsured.

War and Political Risk Insurance

If your small business relies on foreign product producers or customers, war and political risk insurance is a good idea. Unfortunately, wars, coups and acts of terrorism can greatly disrupt people’s personal lives and businesses. 

If these disruptions impact people and businesses that you rely on, you may feel the effects of instability despite being miles away. If you do business in countries known for political volatility, look into political risk insurance.

Ready for Anything Insurance

Many people dismiss stories of alien abductions, UFO landings and the coming zombie apocalypse as pure myth. Others view these possibilities as very real, and insurance companies have taken notice. Some offer insurance policies that protect against business disruption caused by zombies and aliens. 

One insurance agent even states that he’s sold alien abduction insurance and had to pay a claim. While you’re business probably doesn’t need this type of insurance unless you’re located in Roswell, it’s still fun to know these policies (and the truth) are out there.

When you speak to your insurance agent about protecting your small enterprise, make sure you’re getting all the coverage you need. Tell your agent about any unusual practices in your business so he can help make sure you’re protected, even when a strange or unconventional situation arise.

What Are the Qualities of a Good Chartered Accountant?

Leading or working in a CA firm is a common career choice for a majority of chartered accountants in India, according to ICAI. They also say that around 50% of associate and fellow CAs are currently practising full-time or part-time.

The primary goal of every such practising CA is to bring in more clients and to expand their business. Now, CAs cannot advertise and solicit customers as the ICAI bars it. Hence, this can become an obstacle in this case.

One of the only ways a CA firm can reach to more clients is via word-of-mouth marketing from the existing ones. This is only possible when they are satisfied with the service.

You need to portray all the essential qualities of an accountant if you seek to run your own firm in the future and provide a satisfactory service to your clientele.

If you do have such aspirations, here are some of the qualities that you need to have:

Communication Skills

There are various technical jargon associated in the field of accounting, auditing, and taxation. Clients who don’t have much comprehension of these fields may not know such terms.

Hence, effective communication from your end is of utmost importance. You have to adapt to their comprehension as per the mode of communication.

Not only clients, but you also need to be adept at communication to interact with your seniors, juniors, and partners.

Organisational Skills

One of the essential qualities of an accountant is to organise not only physical items but also the intangible ones. From stacks of papers to multiple spreadsheets, you have to organise all of these as part and parcel of your daily functions.




Having superb organisational skills will help you get access to urgent requirements rapidly and manage your work more efficiently.

Professionalism

Any breach of contract and divergence from the code of conduct laid down by the ICAI can lead to a temporary or permanent removal of the CoP. The organisation lists all such members found guilty under their schedules.

Hence, maintaining robust professionalism and ethics is another one of the qualities of an accountant. You must not accept information as it is presented and always question them.

Team leading skills

CAs working in a firm lead a team of accountants who will collectively function on the project. Any discrepancy or conflict within them can hamper the project productivity.

You have to ensure that such situations don’t arise by leading your team in a coordinated way. Such skills are one of the top qualities that an ideal chartered accountant must have.

Accountability

Taking responsibility is a critical role of a CA that you need to have. You must take account for your mistakes and learn from them. Also, you need to make sure that the same doesn’t arise anymore. Lastly, put every contingency in place to avoid any errors from occurring.

These qualities will surely help you expand your practice and bring in more clients. Taking help of a CA loan in such cases can provide you with the funds to relocate to bigger premises, purchase respective equipment, etc.

NBFCs like Bajaj Finserv provide Business Loans for Chartered Accountants that can help you with the same. They can disburse loans within 24 hours of approval and against minimal documentation.

Make sure to start developing these essential qualities of an accountant during your CA articleship. Selecting the right firm will help you with the same. Gather as much experience over time to open up your own and prosper.

Top Tips For Buying Or Selling Gold

Image Source: Wikipedia

The price of gold is higher than ever, which means we’re seeing more and more jewellers advertising their gold-buying services.

Whether you’re buying or selling gold, there are a few things to know.

Smart Tips For Selling Gold

If you want to sell gold, it’s worth knowing that you may not get the market or appraisal price for your scraps.

Similar to purchasing a car or home, selling gold takes some negotiation. If you have a piece you believe is valuable, shop around for a buyer. Other than jewellers, there are other services as well as pawn shops that specialise in buying gold. The ideal is to approach a long standing and reputable business. Trustworthy stores like Gold Buyers Melbourne are selling gold bullion.

Another thing to keep in mind is that the market price for gold is typically based on 24 karat, pure gold. Jewellery is usually 10, 14, or 18 karat gold, which means your jewellery doesn’t contain a whole lot of pure gold. As the karats decrease, so does the amount your piece will fetch.

Image Source: Wikipedia

The drop in price, though, isn’t just based on karats. If you’re the seller, this is just the start of the process. Once a jeweller buys gold from you, they send the scraps to a refinery that then sells it to a manufacturer. The scraps are made into new jewellery to sell to the jeweller and on to customers. Everybody along the way wants to make money, which is why your gold pieces may not sell for as much as you would like.

On the whole, you can expect more money for your gold when market prices are high.

Smart Tips For Buying Gold

More and more people are looking to invest in gold. But it might not necessarily be the best time to buy. If you are eager to invest in gold, though, it’s wiser to invest about 5 to 15 percent of your investment portfolio into gold, just be sure you understand the risk factors and that gold should serve as a long-term investment.





While there is inflation, and many argue you should buy gold as a reserve currency, it’s worth noting that there will be a lack of cash flow from gold, and there can even be years when the rate of return is either flat or negative.

Make Sure You Get A Fair Rate

So, how do you find a fair and reputable gold buying service for your needs? Take a look at these tips:

• If you have any concerns or queries about the accuracy of a scale, ask questions
• Look for authoritative and relevant inspection stickers
• Make sure you see the gold being weighed yourself. It’s entirely fair to ask for the scale to be tested in front of you, too
• Get a professional appraisal. Jewellery appraisals are usually done for the purpose of insurance, but it’s a great way to get an idea of how much your items are worth. You can then decide if you want to sell the gold on its own or the jewellery as a whole.

Keep these smart tips in mind when buying or selling your gold!

Smart Solution with Small 12 Month Loans

Small is not avoidable. A small money crisis is manageable but you cannot take it for granted. Faster you tackle it, better is your financial balance. Such small crisis is easy to handle with a little amount. That little amount can be found through small 12 month loans that are easily available online. 

'At the time of need, it is necessary to get the funds urgently. These loans facilitate emergency funding. Instant approval decision and timely fund disbursal can protect you from last minute financial anxieties. However, no obligation of collateral and guarantor is included, and this makes the interest rates high. Customization in that case can help in many ways.

Take care of few things when you search for a loan deal

In the hurry to get funds, you may take some wrong decision and in finances, it is known as financial suicide. Make sure that there are few things that you notice before you pick a lender or loan choice. Take a look below –

1. Fair in practice and should not demand upfront fee – Many lenders ask for upfront fee from the loan applicants. This may include a big amount, but to tell you the fact, it is not a genuine lending practice and the lenders should avoid this. 

If the lender or loan company in your preference asks for the upfront fee then it is better to say ‘no’ and move on to the other option. Do not worry, there is no scarcity of ethical online loan companies. 




2. Compare with rational mind – Comparison is the best tool to get the best loan deal. APR, Repayment plans are the best ways to compare between the loan companies. Take the loan that suits most to your repayment capacity. However, the 12 month loans have small amount for instance 500 Pounds and the installments are never hefty. 

Still it is always better to find the most affordable deal. There are many other expenses in your monthly budget and it is not wise to increase the burden unnecessary. Small needs keep coming; next time also there may be a need for a loan.

Features –

Knowing about the features can help you take better decisions.

• Credit score status is not a constraint – It is better if your credit score is good or excellent, however funds are achievable despite less-than-perfect credit score. Fair and bad credit scorers can apply and avail funds. Remember, this does not include very poor credit people. In that case too you can borrow money without the collateral and guarantor. If your credit score is bad, it is advisable to pay the debts on time as this may help get an easy approval. With timely repayments, credit score improves and this makes the lender think positive on your loan application.

• Also come with payday loans – Have you ever heard of 12 month payday loans? They are available in the market without any obligation. Get approval decision in 30 seconds and receive funds in just 10 minutes. This option is useful only when your need is extremely urgent otherwise do not opt this. The interest rates of payday loans are very high and the installments can be hefty.

Small term loans are useful in any financial crisis. However, first explore the available choices of funds like savings, help from friends. When nothing is left then takes the loan. Manage the repayments well and repay on time. Good financial behavior brings many good financial opportunities in future.

Description – OsMoney offers 12 month loans without any collateral and guarantor. No upfront fee and no hidden charges. Instant approval decision, also available as 12 month payday loan.