Scott Sanders, CPA, PFS, CGMA, CFP®, CFS
"I give strategic tax and accounting advice to my clients so they can reach their financial and business goals."
Scott matches striking technical acumen with a tireless work ethic. He has extensive experience in all aspects of federal, state, and local taxation for corporations, individuals, and estates, as well as tax planning, estate planning, and estate and trust tax preparation.
When Scott works with clients, he always provides them with the "what if" view; this gives them a range of scenarios to help them plan accordingly for the future growth of their business and individual prosperity. But that's just the way Scott operates; combining acute business expertise with a strong grasp of the present and a view to how it will affect the future.
Scott has used his 34 years of accounting experience to build up an extensive portfolio of diversified clients, including high-net-worth individuals and closely held businesses in manufacturing, real estate, and public relations, among others. His eye for detail and "client first" business philosophy are only just a few of the reasons why clients are so loyal to him. He tailors his services to focus in on each individual client's needs, which is why he is considered such an exceptional accountant and business advisor.
Scott Sanders is a 1980 graduate of Queens College, New York with a Bachelor of Arts in Accounting. Scott is a member of the American Institute of Certified Public Accountants (AICPA), the New York State and the New Jersey State Society of CPAs. Scott retains his license as a CPA in both New York and New Jersey. In July 2012, Scott became a CGMA (Chartered Global Management Accountant) through the AICPA. Scott is a Certified Financial Planner (CFP), having received his license from the College of Financial Planning in Denver, Colorado. Scott has also received from the AICPA, his license as a Personal Financial Specialist (PFS) and his license as a Certified Fund Specialist (CFS) from the Institute of Business and Finance. Scott received his NASD Series 6 license in November 1996 and his Series 63 in December 1996. Scott received his NASD Series 26 license in November 2002 and Series 24 in August 2004, which allows him to act in the capacity of an Office of Supervisory Jurisdiction (OSJ) for his broker-dealer. Then, in April 2004, he received his Series 7 license. Scott became licensed in February 1999 to sell life, accident and health insurance in New York State. Scott also became a Qualified Guardian under Article 81 in 2002 and a Qualified Special Needs Trustee under Part 36 through the Nassau Academy of Law in 2003, and a Qualified Accountant by the Chief Administrator before the New York State Unified Court System in 2003. Scott has been a notary public since November 1980.
Scott Sanders has extensive experience in trusts and estates – planning and preparation, surrogate accounting, working closely with trust and estate attorneys and fiduciaries, working with high-net-worth individuals in all stages of planning and taxes, providing family office services, in addition to all aspects of federal, state, and local income taxation for corporations, individuals, trusts and estates, specializing in the restaurant and retail industry, as well as tax planning, trust and estate planning and compliance and surrogate accountings for the Court. Scott’s industry experience is closely held businesses, high-net-worth individuals, manufacturing, public relations, real estate, restaurants, and jewelry. Scott had retained a presence in St. Thomas, Virgin Islands from 1981 to 2005, handling various tax and accounting matters for clients located on the Island. As a practicing financial advisor, he advises high-net-worth individuals on areas of strategic planning services as varied as investment analysis, professional money managed accounts, cash flow analysis, insurance, estate and gift tax planning, the formation of family limited partnerships, creation of private foundations and charitable tax planning. As an individual involved with the personal business management of high-net-worth clients, Scott is involved in services that range from establishing retirement accounts such as 401-K's, defined benefit and defined contribution plans, family office services such as bill paying, managing the details of multiple residences and vacation properties, evaluating health, property and life insurance needs and negotiating the purchase/lease of automobiles, boats and aircrafts. Scott merged his private practice in 1995 to form the firm of Lazar Sanders, LLP and then merged in 2006 to form Lazar Sanders Thaler & Associates, LLP, and in 2010, formed Sanders Thaler & Associates LLP. In 2012 the firm changed its name to Sanders Thaler Viola & Katz, LLP, currently employing 26 professionals.
Scott Sanders is a past Board Member of the Long Island Cabinet of the State of Israel Bonds (1999-2006) and a past Board Member of the American Culinary Federation Long Island Chapter (1998-2005) serving as a consultant. He was also a past member of the Long Island Advisory Board of USA Bank in Port Chester, NY (2006-2008). He is a Board Member, and past Treasurer and Executive Vice-President of the National Conference of CPA Practitioners (NCCPAP) for the Nassau/Suffolk Chapter (2001-2008) and was the Chair of the Sponsorship Committee for the NCCPAP Long Island Tax Symposium for 2003, 2004, and 2008. He is a current member of the Estate Planning Council of Nassau County (since 2003) and of Suffolk County (since 2012). Scott is a Board member of the Financial Planning Association of Long Island (FPA LI) and is currently the chapter Treasurer. He is a past member of the FPA LI’s Membership Committee (2005-2011). Scott is also a member of the New York State Society of Certified Public Accountants (NYSSCPA), Nassau Chapter. Scott was an Executive Board Member of the NYSSCPA, Nassau Chapter (2008-2010), a past Treasurer (2010-2011), Vice-President (2011-2012), and President (2013-2014). Scott is also Co-Chairman of the NYSSCPA-Nassau Chapter Sponsorship Committee (since 2009), the Small Firm MAP Committee (since 2005), and the Estate & Financial Planning Committee (since 2013).
Scott Sanders has lectured for American Express Financial Advisors, Inc. and consulted on various tax issues. Scott has lectured during the National Conference of CPA Practitioners (NCCPAP) Long Island Tax Practitioner Symposium from 2005 to 2008 and continues to lecture before the NYS Society of CPAs (NYSSCPA)-Nassau Chapter Small Firm MAP Committee since July 2005.
Scott Sanders has been quoted in the September 1998 issue of the Practical Accountant regarding the new 1997 Internal Revenue Service Tax Laws; quoted by producer, Joanne LaMarca of The Today Show in Business This Week, regarding the new 2000 tax laws; and was featured in the February 18, 2002 issue of Crain’s New York Business article titled, "The High Cost of Security." Scott was interviewed for the March 29, 2003 Long Island News Pennysaver article titled "Tax Time - Yikes!" and wrote articles in the December 31, 2003 Syosset/Jericho and Plainview, New York Tribune and the October 8, 2004 Plainview Herald - Business Review. In the August 4, 2011 issue of Long Island Business News, Scott was interviewed for the special section of "Accounting - Past, Present, Future" and spoke about moving into the paperless environment. In the August 26, 2011 issue of Long Island Business News, Scott was listed in the special section of "Who's Who in Accounting," discussing the industries trend of mergers. Scott was quoted in the January 31, 2012 issue of CPA Trendlines for the article, "Busy Season Shifts to Hi Gear." Scott was quoted in CCH's 2012/2013 Product Catalog regarding research with CCH's Federal Tax Library. In the March 10, 2013 issue of Long Island Business News, Scott was interviewed about the best time to file your tax returns. In the March 25, 2013 issue of the New York Daily News, Scott was mentioned for volunteering for the annual tax hotline to News readers. He was also interviewed for the featured portion of the Long Island Business News's Vision Section in the July 26, 2013 edition and spoke about the complexities of the accounting and tax industry, and clients' reliance on CPA's as their trusted advisor. In the April 3, 2014 edition of The Long Island Business News, Scott was interviewed about due diligence strategies for buyers/sellers of businesses.


Why IFRS ?
Why IFRS? Simple answer to this question is that IFRS is acceptable globally and provides a common accounting/reporting language to the world!
The history and development of international standards for accounting and auditing trails back all the way to the late 1960s, but never have they reached greater prominence than today as the world moves closer towards international convergence.
A key moment in the move to IAS/IFRS came on 6th June 2002 when the European Council of Ministers approved the regulation that would require all EU companies listed on a regulated market to prepare accounts in accordance with International Accounting Standards for accounting periods beginning on or after 1 January 2005.
With over 100 countries requiring or accepting International Financial Reporting Standards, the likelihood of companies around the globe using the same accounting standards is in view.
Never in history has there been a time when we were closer to the ideal where companies around the globe all use the same accounting standards in their financial reporting. International Financial Reporting Standards (IFRS) are now required or accepted in over 100 countries, and some estimate that number will grow to 150 countries in the next few years.
About 9,000 listed companies in Europe use IFRS, and IFRS are the accounting standards in Australia, New Zealand and South Africa. They will be the standards in Brazil starting 2010, India and Canada starting 2011. And China is phasing in IFRS for public, private and state-owned companies starting in 2007.
For accounting standards to garner worldwide acceptance they must be universally applied. Comparability is essential if “in accordance with IFRS” means that the same or similar transactions are accounted for the same way everywhere, producing financial statements in accordance with IFRS will add value. Investors would no longer need to waste time and effort to reconcile financial information as they compare similar companies from different countries. Capital would flow more efficiently, at less cost to more companies in more places.
A single system of financial reporting would benefit a host of constituents. With quality standards, consistently applied, investor understanding and confidence rises. That translates to strong, stable, liquid markets. With quality reporting, investors wouldn’t need to compensate for a lack of under-standing by demanding a risk premium. With consistent application and the resulting comparability investors and analysts have an easier time knowing how to best allocate capital. Having one financial language reduces preparation and audit costs. No longer is there a need to learn different standards, or keep current in them, at the expense of more fruitful pursuits. Regulation can be easier if properly coordinated. Education and training become easier and more focused.
Convergence of accounting standards has played a major role in the growing acceptance of IFRS. As the differences narrow between IFRS and other widely-accepted accounting systems, resistance to IFRS is beginning to fall away.


Since divorce is a legal process, estranged couples entering a New Jersey courtroom should expect to present evidence. Evidence does not only refer to such things as text messages proving a spouse’s undesirable behavior. Evidence might include essential financial and other documents that establish who owns what assets and more. Properly compiling all documents necessary for smooth divorce proceedings seems advisable.
Documents to ready for divorce proceedings
A marriage certificate and deeds to all properties may first come to mind when someone asks divorcing spouses about collecting documents. Proof of marriage and home ownership is important, and so would the tax returns filed during the marriage. Filing jointly could have different consequences than filing separately since questions about tax debt may arise.
Tax documents also establish who earned how much during the year and from what sources. Presenting income and investment-related 1099s and the like might be required, too.
Submitting documents showing the costs associated with owning a home could be vital. Monthly utility bills and property tax records may factor into decisions about spousal support if one spouse receives and intends to live in the home.
Additional documents to present
Various other documents may play essential roles during divorce proceedings or court trials. Credit card statements may reveal much about the marriage’s financial health. The reports would also indicate whether the debt is jointly or solely held.
All costs related to child care could play a vital part in the court’s determinations on child support. The child’s health care, schooling and hobby-related expenses add up. The court would likely review every cost not only to arrive at a child support amount but possibly to decide on which parent should receive custody.
A dishonest spouse may try to hide assets. A thorough presentation of various documents could undermine such attempts.


Virtuix announced that it has raised over $19 million from more than 6,500 investors in its Series A-2 financing round. Virtuix will use the proceeds to launch Omni One, an omni-directional treadmill for the home that lets players walk and run inside popular games and virtual worlds.
Virtuix’s “Omni” technology takes virtual reality to the next level by delivering the feeling of physically moving in VR. The treadmill’s 360-degree experience enables players to walk or run in any direction inside their favorite videogames. Backed by Mark Cuban and other major investors, Virtuix has shipped over $10 million worth of commercial Omni systems to entertainment venues in 45 countries, including top locations like Dave & Buster’s. Virtuix’s upcoming product, Omni One, is a consumer version of the Omni treadmill optimized for the home.
Virtuix worked with SeedInvest, an online investment platform, to complete its Series A-2 financing round, which included a fundraising campaign under SEC Regulation A (“Reg A”). Reg A allows qualified private companies to sell shares to non-accredited investors. Virtuix’s Reg A campaign allowed anyone to purchase shares in Virtuix, and the minimum investment was only $1,000. More than 6,500 investors participated in the round.
“We’re impressed by the outpouring of investor support for Omni One,” said Goetgeluk. “More than two million players have experienced the thrill of walking around inside videogames at our commercial venues around the world. Given our success in the out-of-home market, our investors believe we’re well-positioned to bring our popular gaming experience to millions of homes around the world.”
Omni One is a complete entertainment system that includes an all-in-one VR headset and operating software for a seamless user experience. The system will feature its own game store with 30 titles at launch, including games developed by Virtuix alongside top titles licensed from third parties. Virtuix plans to sell Omni One for $1,995 (or $55 a month on a monthly payment plan). This pricing puts Omni One in line with mid-tier gaming PCs or connected fitness gear like a Peloton bike.


Find out more about Rent Certainty
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A simple low fixed-fee of just $30 per week
Sophisticated investors appreciate the value of an exceptional property management experience provided for a fair fixed-fee. That’s why Certainty Property has introduced Fee Certainty – full-service property management for just $30 per week.
With Fee Certainty you will receive:
A dedicated local property manager
First-class service and support from our team
Regular inspections and tenant management
Are you an experienced property investor?
Experienced investors understand the value of a property manager that has skin in the game in maximising the portfolio’s return. That’s why Certainty Property is the only property manager to offer Rent Certainty – Australia’s most comprehensive rent guarantee.
With our rent guarantee Certainty Property will:
Pay the rent when your property is vacant
Pay the rent should your tenant fall into arrears
Top up your rent should rents fall


My Bids (0)
Commission to vendors is normally 15% with a minimum charge of £3 per lot. Unsold lots are subject to a handling charge of £3 per lot. Commission rates are negotiable for high value items. Payment to vendors is made no earlier than 6 weeks after the sale. Our terms of business to buyers are outlined in our Notes For Guidance.
Postal, On-Line and E-Mail Bidders:
ALL BIDS MUST BE RECEIVED BY 12 NOON UK TIME ON THE DAY OF THE AUCTION
Bids may be submitted by email to email@example.com or by using the On-Line Bidding System on this website. If clients wish to bid for a number of lots but wish to limit their expenditure they should indicate the maximum they wish to spend by entering that amount in the 'Limit' facility.
These can be made by telephoning
0161 877 8818
07799 648 335
These may be submitted by post or by submitting your bids in person.
All bids are accepted in confidence and will not be divulged to a third party.
Successful bidders may pay by cash, cheque or by card payment.
A buyer's premium of 15% will be added to your invoice. This charge includes VAT @ 20% except for books & periodicals which are zero rated.


Introducing the Spacium Token – Powering a decentralized marketplace for Virtual Reality
Spacium (SPC) – Introducing a way to monetize VR content on the Ethereum Blockchain.
The Spacium (SPC) ERC20 Token presents a new method of in-app peer-to-peer exchange that incentivizes content creation and engagement in Mobile Virtual Reality. Spaceout.VR is a free to play Social VR Space Colony for iOS & Android. Spaceout.VR will monetize with an in-app economy that works with in-app consumables, in-app purchasing, and cryptocurrency tokens. Spaceout.VR players can monetize their user-generated content by converting earned in-app consumables into cryptocurrency tokens.
Content creators now have a growing set of inexpensive tools to create 360 video, photos and immersive games and experiences. Tools like the Ricoh Theta or Google Tango give consumers the ability to capture immersive content easily. To date there is no platform to easily upload, share and organize personal immersive media. There is no way to monetize this content, as for example, popular YouTube channels earn a revenue stream based upon viewership. This leaves content creators with little incentive to create or share immersive user-generated content (UGC).
We believe that Virtual Reality (VR) will flourish as a medium once it becomes a viable platform for UGC. Web 2.0 brought about the maturity of the web by harnessing people’s desire to share their lives and express themselves. The Spacium token incentivizes Spaceout.VR users to upload, organize and share personal content. The Spaceout.VR in-app economy allows Spacers to market their content for discovery by other Spacers. We aim to create a flourishing new space for immersive UGC through the Spaceout.VR content platform and gamified economy.
The Spacium token is a functional crypto-asset with the utility of creating and distributing in-app consumables in Spaceout.VR. Token holders can earn additional tokens by contributing to consumable production in the economy. Players can login to the Spacium Marketplace with their Spaceout.VR account and convert their in-app consumables into Spacium tokens. Spacium tokens can be traded for BTC, ETH, and other crypto-assets.
We are accepting email registrations for our pre-sale expected to launch in September 2017 at https://spacium.io


There are many resources on the web to give you information on starting or growing your business and to help you get started in the preparation of your business plan. These sites provide information on a wide range of entrepreneurial subjects. Links on this page are for information purposes only; they do not constitute an endorsement by the Path to Prosperity Competition organizers.
All P2P participants are encouraged to visit the Alaska Small Business Development Center website for resources and tools to help start a small business.
This series of short videos gives a nice overview of triple bottom line concepts and makes a strong business case for sustainability.
The Triple Bottom Line Tool is a more detailed tool for evaluating sustainability of a project.
Business Model Canvas:
This video gives a great method for mapping out the key components of a business plan. The Business Model Canvas, is a strategic management and entrepreneurial tool. It allows you to describe, design, challenge, invent, and pivot your business model.
How to start or grow a business in Alaska:
- The State of Alaska website (http://alaska.gov/businesshome.html) is the go-to place for information on starting a business in Alaska. Here you will find a link to the publication, Establishing a Business in Alaska, a source of detailed information and assistance for the Alaska entrepreneur.
- AkSourceLink (www.aksourcelink.com) is a web portal that provides support to entrepreneurs through links to information on topics such as Startup Resources, Growing Your Business, Marketing, and Legal Services. It provides a searchable database of small business support providers. After answering a few questions about your business and the type of assistance you need, a list of organizations that provide business help in your area is provided:
- The Alaska Small Business Development Center (http://aksbdc.org/) provides business counseling, business skill workshops and online tools for start-ups and established businesses in the state of Alaska. The tools are organized by business stage: Think, Launch, Grow, Reinvent and Exit:
- The Juneau Economic Development Council (http://www.jedc.org/business-resources) has links to information on doing business in Juneau. It also has information on financing a small business and links to loan programs:
General Resources for Startups:
- The U.S. Small Business Administration offers technical assistance, a variety of loan and other financing programs, and other resources to help a business get started and grow. Their website (http://www.sba.gov/) features many articles on starting and managing a business:
- SCORE (http://www.score.org) is a nonprofit association that provides education and volunteer mentors for entrepreneurs. Mentors are available to deliver free help both by email and in person (nearest offices are Anchorage or Seattle). Live webinars, templates and tips on a variety of business topics are available:
Anchorage SCORE: http://anchorage.score.org/chapters/anchorage-score
Greater Seattle SCORE: http://seattle.score.org/chapters/greater-seattle-score
- The web has lots more advice for startups. Here are some examples:
How to Develop your Business Plan:
- The Small Business Administration has a Business Plan Tool that provides a step-by-step guide to writing a business plan. You write the plan by answering questions, and save it on-line so you can return later to edit or update. You must first register for a free account. Look for the link to the tool in the right side column at the following web site:
- Here’s an article on writing Executive Summaries:
- Here are more links to business plan templates, outlines and advice:
Bplans.com business planning resources http://www.bplans.com/index.cfm
National Telecommunications and Information Administration’s business plan outline http://www.ntia.doc.gov/legacy/opadhome/mtdpweb/busplano.htm
Business plans and financial statement templates from SCORE http://www.score.org/resources/business-plans-financial-statements-template-gallery
How to Create Financial and Sales Projections:
- SCORE’s template gallery provides Excel templates for finance and sales spreadsheets.
Fund your Startup:
- Financing can often be the one obstacle preventing an entrepreneur from starting a successful business. Entrepreneurs for the most part do not have access to “free money” through grants. However, there are options.
Learn how to choose an accountant who is also an advisor.
Ever wonder what happened to that crowdfunding boom?
Investors’ Circle seeks early-stage companies whose businesses address significant social or environmental issues. http://investorscircle.net/home
Incorporate Social Responsibility:
- Articles on social entrepreneurship can be found here:


Welcome to one of the easiest ways to get pre-qualified for a new or used vehicle. All without ever needing your Social Security Number, or actually running a full credit report which can hurt your credit score.
You're a savvy shopper no doubt - that's why you're here:
We also know your time is valuable and you don't need or want the "typical dealership" financing experience. You know, the kind where you are asked for way too much personal information, there seems to be a million steps in the process AND then your credit report is pulled (sometimes several times) leaving an inquiry on your history. Too many inquires can hurt your credit score.
Why can't there be an easier way you ask?
That's where World Hyundai in the Matteson Auto Mall steps in. Our new, innovative credit tool is designed to speed up the pre-qualification process in only 3 easy steps. That's it. Once again, all with no Social Security Number needed and no inquiry on your credit report. It really is that easy.
Why not start now? No Social Security Number Needed!
Besides an easy pre-qualifcation process, World Hyundai in the Matteson Auto Mall near Chicago, knows that smart shoppers like yourself deserve and expect a different type of dealership all together, not just in the finance department. At World Hyundai, our goal is to give you the "WOW" experience from the second you call, email us or stop by in person.
In addition to a unique and refreshing experience, World Hyundai customers can take advantage of several of our member benefits such as:
- Free Lifetime Car Washes
- Lifetime Warranty*
- Lifetime Oil Change Package
- Free Service Loaners
- Free Courtesy Transportation
- Convenient Saturday Service and Parts Hours
- Hundreds and Hundreds of New, Used , Certified Pre-Owned Vehicles and Luxury Used Vehicles
Thank you again making the right choice! We are excited to assist you!
Let's get started - it only takes 60 seconds!


What better gift to receive than the possibility to choose what you prefer? The BU-NET Gift Card is designed for this very reason!
Available in various fixed amounts or a custom value, you can buy it for yourself, or send it directly to whoever you want!
You can use the BU-NET Gift Card to purchase any product on the site.
€25,00 – €600,00
Buying a prepaid BU-NET gift card is really easy:
Within moments of payment completion, an e-mail containing the gift card will be sent to the recipients.


Tulsa Jail Information and Tulsa Bail Bond Information
By Glen R. Graham, Tulsa Criminal Defense Attorney http://www.glenrgraham.com
To find out the bond amount and to find out if someone is in the Tulsa City County Jail or the David Moss Correctional Facility at 300 North Denver Ave., Tulsa, Oklahoma, the easiest and quickest way is to click on this link:
http://iic.tulsacounty.org/Home.aspx and then follow the instructions. Enter the defendant’s name and it will tell you the charges, the amount of the bond, and the next court date.
A good Tulsa Bail Bondsman or Tulsa Bail Bonds is A Bargain Bail Bonds at http://www.abargainbailbonds.com They are on corner of Archer and Denver - close to the Tulsa Jail.
To find out the Tulsa jail visitation hours and for information about leaving money on someone’s inmate trust account click on this link: http://www.iic.tulsacounty.org/FAQs.aspx
To determine which pod inside the jail the inmate is located in to match up the visitation schedule , first you have to click on the previous link above to determine the inmate’s pod number like J-1 or F-3 or such.
Telephone number to the Tulsa City County Jail is: (918) 596-8900 OR (918) 596-8933. You usually have to call back repeatedly and wait for the telephone to ring about five to ten times and it usually takes a long, long time for them to answer the telephone, so it is easier to click on the links or call a good Tulsa criminal defense attorney and a good Tulsa bail bondsman or to just click on the links in this article.
There is a new technology where Tulsa jail inmates can use Touch Pay to bond out using their credit cards. It is a machine in the Tulsa Jail that takes credit cards. However, a smart inmate might be a lot better off paying a bondsman only ten percent of the bond instead of posting the whole bond on a credit card. Ten percent of a bond of $5,000 dollars is only $500 to a bondsman. However, posting a whole $5,000 dollar bond on a credit card could involve significant interest and penalties in addition to tying up $5,000 dollars.
Most bondsman accept payments if you do not have a credit card. Most bondsman accept credit cards and the amount required to pay a bondsman on a credit card is only ten (10%) per cent of the bond amount instead of the whole bond amount.
One good thing is that anyone can also use Touch Pay to add money to the inmates accounts for items they want which are sold at the jail.
Initially, when someone is booked into jail, they are usually given a pre-set bond amount based upon the type of charge or in some cases the assigned judge reviews the officer’s probable cause affidavit and then sets a bond. Under the current system, the court is required to review the probable cause for holding the defendant within about 48 hours by reviewing the probable cause affidavit and then setting a bond or ordering the defendant released if there is insufficient probable cause to hold the defendant. Each case is different and it makes a difference depending upon the type of charges and the defendant’s prior criminal record if any.
By hiring a good Tulsa Criminal Defense Attorney it is possible to have a hearing on a motion for a bond reduction within 24 hours after filing the motion as long as it is filed before 12 noon. A hearing on a motion for bond reduction is normally heard at 3:00 p.m. on the next court day as long as the motion is filed before 12 noon and the order is signed setting it for a hearing before 12 noon because the state is entitled to 24 hours notice before the bond hearing.
On misdemeanor cases, it may be possible to get a bond hearing quicker by contacting the assigned prosecutor and if possible getting the assigned prosecutor to appear before the assigned misdemeanor judge for a ruling upon it.
In most cases, it is usually possible to obtain a Tulsa bail bond reduction by hiring a good Tulsa criminal defense lawyer attorney and getting documentation and sufficient information to obtain a bond reduction. It is helpful to have a copy of the officer’s probable cause affidavit when the same can be obtained. Proof of employment, letters of support, statement from parties, favorable statement from the victim when possible, and any other relevant information.
It is possible to verify any city of Tulsa or Tulsa County warrants that may be active by checking the web site for Tulsa warrants at: http://www.tulsapolice.org/warrants/default.asp Enter the last name and click enter and then cursor down until you find the right person’s first name.
Common Warrant Types:
1234567 Six or seven numbers is a Tulsa Municipal Court warrant
CM A Tulsa County District Court misdemeanor warrant
CF A Tulsa County District Court felony warrant
Note: CF warrant may be for Failure to Pay or Failure to Appear on a felony charge and may not be considered a felony warrant even though the original listed charge is a felony.
It is possible to check out the person’s available public Oklahoma criminal record at the web site for the State of Oklahoma court system at: http://www.oscn.net/ Click on “court dockets” at the top. On the next page, on the left hand center, click on “search dockets.”
Finally, on the next page, cursor down to last name and enter it. Put in the first name or the first few letters and use the percent sign to cover all variations such as --- Su% to cover both Susan or Sue or Susanne.


Parent and Community Fundraising
At Richmond West, fundraising involves the whole school community through events such as a walk-a-thon, raffles, the Art Show and the School Concert. The school community comes together to celebrate student achievements, raise money for the school and enjoy socialising with members of our community.
We fundraise to purchase items that have been identified by the school and which support the educational and social development of students. The fundraising wish list is prepared in consultation with the school, subcommitees of School Council and as needs arise within the building and the school’s many programs.
The whole school community
Fundraising is an activity where we believe that everybody has something to contribute. All families are encouraged to be a part of their child’s experience at school, and this contribution is welcomed in many forms. You can support our school by donating your time, expertise in a particular area or via a financial contribution.
Our school’s values
Our fundraising approach reflects the values at the heart of our school activities. The school’s core values are care and compassion, respect, doing your best, responsibility, co-operation and honesty and trustworthiness. We uphold these values through thoughtful planning of fundraising events, being inclusive and making links to the broader community.
If you would like to be involved, please call the office on 9429 2950 or send an email to email@example.com.


Which costs more? A regular DJ with loudspeakers or a Silent Disco DJ?
Obviously one sound system can be heard by several hundred or a thousand people, but one headphone can only be heard by one person.
So with a small party, Silent Disco is going to cheaper than traditional loudspeakers and with a large party it will be more expensive.
Let’s look at some actual numbers
Regular DJ: $1000 -In my area, a DJ (using loudspeakers) that is considered professional quality is going to start around a $1000 and that price remains the same no matter how many guests are invited.
Silent Disco Rental: $266.50 to rent 40 headphones: Rental of 40 headphones = $266.50
For headphones, you need one headphone per guest, so the price goes up as the guest count increases.
With a sound system that uses loudspeakers, one price fits all!
Silent Disco: If you want to rent silent disco headphones, it costs between $4 and $7 per headphone rental depending on how many you rent.
At www.silent-disco-rental.com, our price is as low as $4 per headphone for larger quantities but the price per unit is higher for rental of smaller numbers.
Because you are only paying per rented headphone, the Silent Disco Headphones are going to be quite a bit less expensive than the loudspeakers for a small party.
With the price being per headphone rental, that means that your rental costs go up as the guest count rises.
Here are some round number examples: (You can rent exact numbers of headphones for your party.)“Pricing”
What is your cost for renting our Silent Disco equipment?
1) Pricing depends on quantity.
How much does it cost to rent headphones?
Examples of current pricing:
Rental of 20 = $177.50
Rental of 30 = $222.50
Rental of 40 = $266.50
Rental of 50 = $309.00
Rental of 75 = $415.25
Rental of 100=$521.50
Rental of 150=$729.00
Rental of 200=$936.50
Rental of 300=$1344.00
Rental of 500=$2144.00
(We also charge a security deposit, but that get’s returned to you when the equipment comes back safely. Learn more about that on our pricing page.)
Those prices above, don’t include the cost of a DJ.
At my company, the DJ’s fee is an additional $149 per hour if we are supplying the music, the players, the light show, our DJ skills and our master of ceremony skills.
It should be noted that because our Silent Disco equipment provides you with three channels available to play three separate playlists, it is suddenly quite a bit easier to save the cost of hiring a DJ by using only automated playlists.
Yes, we still recommend a professional DJ and even three professional DJ’s; One broadcasting on each channel. But our equipment makes it much easier to skip hiring and paying the professional DJ. With three channels to stream unattended-automated playlists, there is a much greater chance of at least one of them having a fantastic song playing at any given time.
Guests are willing to pay a higher admission fee for Silent Disco Parties.
Obviously, this doesn’t pertain to wedding receptions or parties where there is no cover charge, but an important detail is that people are willing to pay admission to your party because of the ‘cool’ factor.
Silent Disco is hot and new and three times the fun of a regular party! Guests understand this and are willing to pay more for the added value.
Think about how much more of a cover charge you’d be willing to pay for a Silent Disco party as opposed to just going to listen to some loud music on a traditional sound system?


Eric Yuan, founder of the Zoom online conference service, earned $ 5.2 billion in one day. His fortune reached 22 billion, writes Bloomberg.
Zoom shares rose 32 percent after the release on Monday, August 31, of a report on quarterly revenue, which rose 355 percent year-on-year, to $ 664 million. The company’s net profit was almost $ 186 million. Zoom’s customer base increased by 458 percent compared to 2019, to 370.2 thousand companies.
Zoom has become one of the main beneficiaries of the coronavirus crisis. In addition, the winners from the pandemic were Amazon, owned by the richest man on the planet Jeff Bezos (Jeff Bezos). The billionaire himself set a record in 2020, becoming the first person in history to exceed the $ 200 billion mark.
Another beneficiary of the new crisis was the company Tesla and its founder Elon Musk (Elon Musk). The latter’s fortune increased to $ 114 billion, and he took the third place in the list of the world’s richest people according to Bloomberg.


All you need to know
Who we are
Doddle Cover is a trading name of Insenture Underwriting Services Limited that is authorised and regulated by the Financial Conduct Authority (No 923592). This can be checked on the Financial Services Register by visiting the website: www.fca.org.uk or calling the FCA: 0800 111 6768.
What we do
We are a non-advisory intermediary that act on your behalf to arrange your insurance. We will not provide advice or recommendations but instead will offer the most competitively priced product available from our range of insurers that is most suited to your demands and needs. If you decide to purchase a policy through us, you do so at your own choice and confirm that the product is suitable for your needs.
We will endeavour to issue your policy documentation on the day you arrange cover with us, but at times where this is not possible your documents will be issued the next working day.
We will notify you how to renew in good time prior to the expiry of your policy.
1 - Duty of Care - Please take reasonable care to answer all questions honestly and to the best of your knowledge, as any product will be based on the information you have provided. Incorrect risk details provided either accidentally or deliberately may lead to an increase in your premium, invalidate your insurance cover, result in your insurer reserving the right to cancel your policy, or treat the policy as if it never existed. Incorrect information could also lead to claims being rejected or not fully paid.
You must therefore provide complete and accurate information to us at all times including when arranging your insurance and throughout the lifetime of any policy. Any change in your circumstance or the risk itself, such as changing occupation or receiving endorsements on your licence must be notified to us immediately. If you are unsure about disclosing any information, please ask us for guidance. You are reminded that it is an offence under the Road Traffic Act to make false statements or withhold any relevant information to obtain a certificate of motor insurance. Under the Rehabilitation of Offenders Act you are not required to disclose convictions regarded as ‘spent’.
2 - Taxi Dashcam & Mobile Application - We will not provide any cover under our taxi product insurance (other than that required by the Road Traffic Acts), if an accident occurs whilst you or any other insured person whilst driving is not using the app and dashcam provided in accordance with the terms of your policy, you must also supply all accident data without delay to the claims department in the specified period. Failure to do so will result in us recovering from you or the driver all sums paid (including legal costs) whether in settlement or under a judgement of any claim arising from an accident.
3 - Check Your Documents - It is vital that you take the time to immediately check all documentation that we send to you including application forms, schedules, certificates, cover notes and policy wordings to ensure all the information stated is present and correct. If you feel that any documentation is incorrect, you should contact us immediately.
4 - Notify Accidents / Claims - All accidents regardless if you intend to make a claim should be notified to us immediately on:
0330 124 6277
4 - Supporting Documentation - To maintain our competitive premiums, validate your information and to combat fraudulent activity, your insurer may require you to provide certain documentation. These requirements will be outlined to you at the point of sale and in your Welcome Pack. Any supporting documentation that does not correspond to the information you have provided will be corrected and where applicable an additional premium may be charged by your insurer. We will also apply the charges set out below. You can provide the supporting documentation to email@example.com or via our document portal here
Failure to provide the supporting documentation within 23 days of accepting the policy may lead to your policy being cancelled and charges imposed in line with our Cancellation section of this document.
6 - Anti-Fraud Registers and Other Searches - To ensure you are offered our most competitive premiums now, at renewal and at any other time and to protect all customers from fraud, many insurance providers operate a credit scoring system and will use the information you provide to carry out checks with credit reference agencies, fraud prevention agencies, and other public and privately available sources of information. These checks can include electoral roll and credit information.
The information is used to verify your identity and is registered as a general insurance search. The searches may appear on your credit report whether or not your application for insurance proceeds, but will not harm your credit rating or adversely affect your credit profile. Whilst we do not carry out credit checks on our website, we or our partners may do so at any stage of the quote or purchase process, regardless if you obtain a quote via the internet or over the phone.
How we are remunerated
We may receive a commission from the insurer in return for arranging your policy. We also apply the following charges for our service and where a charge is variable, we will confirm an exact figure to you before any transaction.
New Business: Fee up to 15% of the insurer quoted premium
Renewal: Fee up to 15% of the insurer quoted premium
Making a change to a policy: £25 (excluding the first change of vehicle registration where no charge is made)
Our charges are non-refundable. Where you have chosen to pay for your premium through a third party finance provider, we may be paid commission for the arrangement of your credit agreement. We may also receive income from claims management companies and / or remuneration for profitability of the insurer.
Cancelling your policy
We really recommend that you get in contact with us before deciding to cancel your insurance policy to discuss your options. You have the right to cancel your insurance policy at any time, but charges will vary depending on when you cancel. When your policy is cancelled, any additional products are cancelled at the same time and our service charges and those of the insurer are not refundable. Any refunds due can take up to 30 days to be processed.
There are occasions where we will enforce cancellation of your policy. This is only performed when there is a good reason or if your insurers have instructed us to do so. Before cancelling your policy, we will always send at least seven days written notice to your last known address. The cancellation will be treated as a standard cancellation and you will incur the same charges as set out below.
Cancelling before cover starts
If you have instructed us to start a policy, but choose to cancel before any cover has commenced, we will charge £50.
Cancelling within the cooling off period
If your cover has started and you decide to cancel your policy within 14 days of receiving your documentation, and provided you have not made a claim or had a claim made against you, you will be charged the following;
- A pro rata charge for the time your policy was on cover
- A charge for the time any optional additional products were cover*
- A cancellation charge of £50
- The policy arrangement fee
- A charge of £75 if a dashcam is issued by us and not returned
*If you have used the service of any optional additional products within the cooling off period, the full charge of the additional product will apply.
Cancelling after the cooling off period
If your cover has started and you decide to cancel your policy outside of the cooling off period, and provided you have not made a claim or had a claim made against you, you will be charged the following;
- A charge for the time your policy was on cover plus any insurers cancellation fee*
- The full cost of any optional additional products, regardless if the service was used
- A cancellation charge of £50
- The policy arrangement fee
- A charge of £75 if a dash-cam is issued by us and not returned
*For the cancellation calculation for each insurer please refer to your policy booklet.
If you are paying your premium by instalments, where the total cost for your cover exceeds the amount that you have paid the third party finance provider, you will be required to pay the difference within 7 days. Failure to do so may result in us taking steps to recover any debt through a debt recovery agency that may apply further charges to the balance.
If you cancel your policy and you have made a claim, or a claim has been made against you, the full premium is due and any remaining instalments will need to be settled.
All non-annual policies (i.e. with a policy term less than 12 months) are calculated on a proportionate basis less a charge of £50 plus Insurance Premium Tax if applicable to cover our administration costs.
Tree Planting Initiative - All policies that are included will only become eligible once outside of the cooling off period.
Credit/Debit Card Payment
Please note that any refunds can only be made back to the card used for the original transaction, or where this is not possible a cheque or BACS transfer will be issued.
If you choose to pay your premium by monthly instalments, we will arrange this for you through a finance provider unless your application for credit is declined. This method of payment works like a loan, where the finance provider will pay your insurance premium to us in full and you will pay back the finance company by monthly instalments including any interest applicable to the loan. We are a credit broker and not a lender.
Please note that paying your premium by monthly instalments does not provide a month’s cover at a time, you will have entered into an annual contract of insurance and have chosen a more manageable method of paying your annual premium. You are responsible for paying the monthly instalments when they fall due, please therefore take note of the payment schedule provided to you. A missed payment charge will be incurred for failing to pay a monthly instalment and if overdue payments are not received within 7 days of defaulting, we will commence the cancellation process.
For your protection, if you cancel your direct debit it will not automatically cancel your insurance policy, and could lead to unnecessary charges being applied to your policy. You should always contact us in accordance with the ‘Cancellation’ section of this document.
The finance providers will have their own terms and conditions, which you should read carefully upon receipt, and additional charges will be applied for the administration of a dishonoured payment. You will receive the credit agreement from your finance provider that you will need to sign and return. Failing to do so may result in your finance agreement to be cancelled which could affect your insurance policy.
We reserve the right to withhold documentation until due payments have been made. We will provide any documentation that we are required to do so by law.
Making a complaint
We are dedicated to delivering a first class level of service to all policyholders. However, we accept that things can occasionally go wrong and would encourage you to tell us about any concerns you have so that we can take steps to make sure the service you receive meets your expectations in the future. Our customer service team are here to help on 0330 124 5773 or firstname.lastname@example.org who will do all they can to swiftly resolve the issue. You can request a copy of our complaints procedure free of charge at any time.
You can also write to us at:
Insenture Underwriting Services Limited
94 - 102 Highstreet
We will make every effort to resolve your complaint by the end of the third working day after receipt. If we cannot resolve your complaint within this timeframe we will acknowledge your complaint within five working days of receipt and do our best to resolve the problem within four weeks by sending you a final response letter. If we are unable to do so, we will write to advise you of progress and will endeavour to resolve your complaint in full within the following four weeks.
When contacting us please provide:
- A policy number and/or claim number.
- An outline of your complaint.
- A contact telephone number.
If we are still unable to provide you with a final response at this stage, we will write to you explaining why and advise when you can expect a final response. At this point you may refer your complaint to The Financial Ombudsman Service at the following address:
Harbour Exchange Square
The Financial Ombudsman Service
You may go directly to the Financial Ombudsman Service when you first make your complaint, but the Ombudsman will only review your complaint at this stage with our consent. However, we are still required to follow the procedure stated above. If you have received a final response but are dissatisfied, you have the right of referral to the Financial Ombudsman Service within six months of the date of your final response letter. You may only refer to the Ombudsman beyond this time limit if we have provided our consent.
Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action.
If you have any suggestions or comments about our cover or the service we have provided please email email@example.com - We always welcome feedback to enable us to improve our products and services.
For our joint protection telephone calls may be recorded and monitored by us.
If you are still dissatisfied with the way your complaint has been handled, you can use the Online Dispute Resolution Platform (ODR) to submit your complaint for an independent assessment at: https://ec.europa.eu/info/index_en/
Protecting Your Money
We hold your premium payment in a Client Money Bank Account until it is passed to your insurer. We cannot use your money for any other purpose other than to pay the insurer that your insurance is arranged with. We may earn interest from money held in this account, which we will retain. Unless you tell us otherwise, you are consenting to us holding your money in this way.
The laws of England and Wales govern this agreement and any dispute is subject to the exclusive jurisdiction of the English courts.
How We Use Your Information
How we may collect your information
We may collect details about you from:
- Information you give to brokers.
- Information you give us in online forms and other forms.
- Other sources such as Google Earth and social media.
- Third parties and other sources.
- Telematics systems, dash-cams and mobile applications.
What information we may collect about you
We collect details including details about your health, personal circumstances, claims history, credit history, motoring history and other relevant details. We may collect information on you from databases such as the electoral roll and county court judgment records.
How we may share your information
In order to provide our services to you, we may share your information with insurance companies, solicitors, regulators, business partners and suppliers. We may also have a legal obligation to provide your information, in certain circumstances, with regulators, police and other public bodies. Information you supply may be used for the purposes of insurance administration by us and third parties. These third parties may share your information with their own agents.
How we may use your information
We may use your information for a number of purposes. These include:
- Providing you with our services.
- Dealing with your claim.
- Carrying out checks such as fraud checks and credit checks.
Driving Licence Checks
We may also provide your (or any named third party) driving licence number (DLN) and other details to the DVLA to confirm licence status, entitlement and relevant restriction information and endorsement / conviction data. Searches may be carried out prior to your policy commencing and at any point during your insurance policy including any mid-term adjustment and renewal stage. For details relating to information held about you by the DVLA please visit www.dvla.gov.uk. The DVLA may also be used to search your (or any named third party’s) no claims discount (NCD) details against a no claims discount database to obtain information in relation to your NCD entitlement. We may pass details of your no claims discount to certain organisations to be recorded on a NCD database.
Motor Insurance Database
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Bureau (MIB). MID and the data stored on it, including your personal details, may be looked at and used by certain statutory and/or authorised bodies including the Police, the DVLA, the Insurance Fraud Bureau and other bodies permitted by law.
If you are involved in an accident (in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant information.
Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration details are shown on the MID at www.askmid.com.
Fraud Prevention and Detection
We carry out fraud checks on our customers. We do this in order to prevent fraud and also to help us make decisions about the provision, pricing and administration of insurance. When carrying out these checks, we will search against fraud detection databases. We may pass details about you to some of these databases. Law enforcement agencies, financial service providers, fraud prevention agencies, police and other organisations may also access these databases.
We may process data relating to your claims history for the purposes of assessing any claim you may make.
The aim is to help us to check information provided and also to prevent fraudulent claims. When you tell us about an incident we will pass information relating to it to these databases. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal.
Credit Searches and Accounting
In assessing an application for insurance or policy renewal, we may search files made available to us by credit reference agencies. They keep a record of that search.
Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.
Sometimes your information may be transferred outside the European Economic Area by us, by the organisations with whom we share your information or by the servants and agents of these organisations. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection.
For our Doddle Taxi customers where a dash-cam and mobile application is the mandatory the following terms also apply.
The Doddle Cover Taxi Cover App collects and transmits data on location, mileage driven, driving style along with the time and impact speed if your insured vehicle is involved in an accident. The app collects location data whilst you are driving even when the app is closed or in the background. This data is processed to help identify driver safety. We will not communicate this information to you or take any action unless there is a repeated occurrence of an extreme driving event.
For further information we may:
- Collect GPS location information every second during an active journey using the GPS sensor in your phone.
- Record Raw Trip Data which consists of the date and time for each one second GPS data point as well as a measurement of the GPS Horizontal Precision at that point in time.
- Compare your acceleration events against others who have used the system and generate driver scores based on how you compare with the other reference drivers.
- Compare your speed against a database of legal speed limits throughout the journey and generate a speeding score based on how much of your driving is within the legal speed limits. - Use your Driver Scores, Raw Trip Data or speeding related incidents, to influence aspects of your insurance policy or influence offers from us for other insurance policies. This may include changing the deductible (excess), offering you a discount, or in extreme cases withdrawing insurance cover.
- Capture photographs of certain documents and items that may be associated with your policy or potential insurance product purchase.
- Collect a GPS location fix for each photograph taken by the app including a date and time stamp. - Process each photograph taken on our platform and electronically read and store the text within the photographs which may include a vehicle number plate or name, DOB and address information from a photo of a driving licence.
- Automatically identify or compare faces in an uploaded photograph against other documents provided.
- Process, review and store Dashcam footage uploaded to us to administer or maintain the policy or to investigate any event or incident that may have been recorded by the Dashcam.
Raw Trip data is anonymised and retained indefinitely and may be used by our Telematics provider and their associated partners for the purposes of improving systems, general analysis or generating new aggregate data sets.
We and/or the telematics provider may process Raw Trip Data to generate Driver Scores.
We will only hold your personal data for as long as we are required in law and by our regulators. Your Rights as a Data Subject
Under Data Protection Laws you have certain rights; these include for example, a right to understand what data we hold on you and a right to ask us to amend that data if it is incorrect. If you would like to exercise any of your rights please contact our Data Protection Officer (contact details below).
Data Protection Officer
If you have any questions about how we use your data, or to exercise any of your data rights please contact our Data Protection Officer at:
The Data Protection Officer
Insenture Underwriting Services Limited
1st Floor 94 - 102 Highstreet
We endeavour to place your business with insurers who have adequate means to meet their obligations but cannot guarantee the solvency of any insurer and we shall not be liable for losses suffered by you in the event of the insolvency of an insurer.
Agreement to our Terms of Business does not affect your normal statutory rights.


The global storage container shortage has not only impacted the availability of containers but has also led to increased competition among buyers, creating an environment ripe for fraudulent activities. Scammers take advantage of this situation by exploiting the urgency and heightened demand for containers, manipulating potential buyers into hasty decisions and financial pitfalls.
As the shortage persists, it becomes increasingly crucial for buyers to exercise scrutiny and prudence when engaging in transactions related to shipping containers. Here’s what you need to know to avoid becoming a victim of this latest crime wave.
3 Types of Shipping Container Scams
In the realm of shipping container scams, there are various deceptive tactics that scammers employ to lure potential buyers.
- One common ploy involves the promise of special offers, discounts, or high returns on investments for purchasing shipping containers, creating an illusion of legitimacy. Scammers may go as far as creating fake businesses with enticing offers to attract unsuspecting buyers, leaving them vulnerable to financial loss and fraudulent activities.
- In other cases, scammers resort to sophisticated methods such as creating counterfeit social media pages, stealing established company names, and utilizing phishing emails to deceive potential buyers. By impersonating legitimate businesses and using deceptive communication channels, they aim to gain the trust of their targets, making it essential for buyers to exercise caution and due diligence when engaging with sellers in the shipping container market.
- These unscrupulous individuals also resort to stealing personal and financial information through illegitimate websites and communication channels, posing a significant risk to buyers. This underlines the importance of thoroughly verifying the credibility of sellers and the authenticity of their platforms before engaging in any transactions to avoid falling victim to such scams. It is crucial for buyers to remain vigilant and skeptical of offers that seem too good to be true, as scammers often exploit the desire for discounted containers and pressure buyers into making hasty decisions, leading to potential financial and legal ramifications.
Scammers often create fake social media pages that mimic reputable container companies, offering lucrative deals on shipping containers. They may then engage potential buyers through private messages, luring them with promises of substantial discounts and exceptional returns on investment.
However, these enticing offers are simply a facade to deceive buyers, highlighting the importance of thorough research and verification before making any purchasing decisions.
5 Red Flags When Buying Shipping Containers
When considering the purchase of shipping containers, it is crucial to be aware of the red flags that may indicate potential scams. These five warning signs can help buyers avoid falling victim to fraudulent activities:
- Steep discounts (i.e. 30% or more) on shipping containers should raise suspicion, as they may indicate a scam in progress. Scammers may use these enticing discounts to lure unsuspecting buyers into making hasty decisions without conducting thorough due diligence.
- Illegitimate websites and fake contact information are other signs that potential buyers should be cautious of. Scammers may create fake websites or use fake phone numbers and addresses to deceive buyers into believing they are dealing with legitimate sellers. It is important for buyers to verify the authenticity of the websites and contact information provided by the sellers before proceeding with any transactions.
- A lack of transparency in communication with the company and absence of reviews are also indicative of potential scams. Genuine sellers are usually transparent about the condition and history of the shipping containers they offer, and they often have reviews or testimonials from previous customers. On the other hand, scammers tend to avoid transparency and may not have any credible reviews to validate their legitimacy. Unsolicited contact from sellers should also be viewed with suspicion, as scammers often reach out to potential buyers without any prior interaction, attempting to pressure them into making impulsive decisions.
- Buyers should be cautious of questionable or missing photos, demands for payment through cryptocurrency or pre-paid cards, and a general lack of knowledge about containers. Scammers may use these tactics to manipulate buyers into making payments through untraceable methods and to cover up their lack of knowledge about the products they claim to be selling. These red flags serve as crucial indicators that buyers should pay attention to in order to avoid falling victim to shipping container scams.
- A potential buyer may come across a website offering shipping containers at significantly lower prices than the market average. Upon further investigation, the website may lack essential company information, such as a physical address or customer reviews, raising concerns about its legitimacy. Additionally, the seller might insist on receiving payment through cryptocurrency or pre-paid cards, avoiding conventional and traceable payment methods. These warning signs highlight the importance of scrutinizing potential sellers and conducting thorough research before engaging in any transactions.
Verifying the Legitimacy of Sellers
When it comes to verifying the legitimacy of sellers in the shipping container industry, there are several important steps that buyers should take. One crucial aspect is to ensure the authenticity of the seller by confirming their contact details. This includes verifying phone numbers and email addresses to ensure they are legitimate and not associated with any fraudulent activity.
Another essential step is to inspect any communication or documentation for company letterhead on invoices. Legitimate businesses typically use official letterheads for their invoices and other documentation, so the absence of this may raise red flags about the credibility of the seller.
We also recommend refraining from making payments via social media or similar applications. Scammers often use these platforms to deceive buyers, and making payments through them can significantly increase the risk of falling victim to fraudulent activities.
Conducting thorough research to select reputable suppliers is paramount to safeguard against falling victim to scams, because this takes care of most of the concerns to begin with. This includes comparing prices, reading reviews, and seeking recommendations from trusted sources to ensure that the chosen supplier is reliable and trustworthy. Taking these proactive measures can significantly reduce the risk of encountering fraudulent sellers and mitigate the potential for scams in the shipping container industry.
A practical example of verifying the legitimacy of a seller is through requesting a physical meeting to inspect the containers before making any financial commitments. If a seller is hesitant to arrange an in-person inspection or provides excuses to avoid it, it could raise concerns about the authenticity of their offerings. Additionally, buyers can insist on receiving official invoices with company letterheads and thorough documentation, which are common practices among reputable sellers. These verification measures are essential in protecting buyers from falling victim to fraudulent activities in the shipping container market.
Secure Payment Methods for Purchasing Shipping Containers
When it comes to purchasing shipping containers, using secure payment methods is crucial to avoid falling victim to scams. One of the most recommended practices is to avoid transactions involving cryptocurrency or pre-paid cards, as these methods can be more challenging to trace and recover in case of fraudulent activities. For example, scammers often pressure buyers into using these untraceable payment methods to avoid being caught, making it essential for buyers to be cautious and avoid such payment methods.
In addition to avoiding cryptocurrency and pre-paid cards, it’s important to engage in direct communication with legitimate container sellers and utilize secure payment channels. For instance, reputable sellers often offer secure payment options such as credit card payments, bank transfers, or escrow services, which provide an added layer of security for buyers. By opting for these secure payment methods, buyers can minimize the risk of financial loss and ensure a more transparent and secure transaction process when purchasing shipping containers.
Buyers should be wary of sellers who insist on unconventional payment methods and avoid engaging with them. By prioritizing secure payment options and conducting transactions through reputable channels, buyers can protect themselves from potential financial and legal repercussions associated with falling victim to scams in the shipping container industry.
Secure payment methods include utilizing escrow services, where a neutral third party holds the buyer’s payment until the transaction is successfully completed. This approach provides an additional layer of security for buyers, ensuring that the funds are only released to the seller upon the satisfactory delivery of the shipping containers. By leveraging secure payment methods such as escrow services, buyers can mitigate the risks associated with fraudulent activities and safeguard their financial interests when engaging in transactions related to shipping containers.
Researching and Choosing Reputable Suppliers
When researching and choosing reputable suppliers for shipping containers, it is crucial to compare prices from different sellers to ensure that you are not overpaying for the containers. A 20-foot container’s price may vary based on its age, condition, and additional features, so conducting a thorough price comparison can help you make a cost-effective decision.
In addition to comparing prices, researching suppliers is essential to avoid falling victim to scams. You can explore customer reviews and testimonials to gauge the reputation and reliability of the suppliers. This approach allows you to gather insights into the experiences of previous buyers and make an informed choice when selecting a supplier. Furthermore, viewing containers on-site before making a purchase provides you with the opportunity to physically inspect the quality of the containers and verify the legitimacy of the sellers, mitigating the risk of being deceived by deceptive online listings.
Keeping up-to-date with container prices and leasing rates is essential to avoid overpaying when purchasing shipping containers. This involves monitoring market trends and understanding the factors that influence container prices, ensuring that buyers make informed and cost-effective decisions based on current market conditions. By staying informed about pricing dynamics, buyers can navigate the process of selecting reputable suppliers with confidence and avoid potential scams in the shipping container industry.
Utilizing online platforms that offer verified and vetted container sellers to find reliable suppliers. These platforms provide a curated list of reputable suppliers, complete with customer reviews and ratings, enabling buyers to make informed decisions based on the experiences of previous customers. By leveraging such platforms, buyers can mitigate the risks associated with encountering fraudulent sellers and ensure a secure and transparent procurement process for shipping containers.
Factors Affecting the Price of Shipping Containers
When it comes to the price of shipping containers, there are several key factors that can significantly influence the cost. One of the primary determinants is the age of the container. Newer containers typically command a higher price due to their pristine condition and longevity, while older containers might be more budget-friendly but could require additional maintenance.
Another crucial consideration is the features included in the container. Containers with custom features like windows, insulation, and electrical inputs can be more expensive than standard ones. These additional features enhance the functionality and versatility of the container, catering to specific needs such as temperature-controlled storage or mobile office setups, justifying the higher price tag.
The condition of the shipping container plays a vital role in pricing. Containers classified as “Cargo Worthy” or “Wind & Watertight” generally come at a premium due to their superior condition and structural integrity, providing peace of mind to buyers regarding the quality and durability of the container. Conversely, containers with visible wear and tear may be more affordable but could necessitate repairs or refurbishments, impacting the overall cost.
It’s important for buyers to factor in delivery expenses when assessing the total cost of purchasing a shipping container. The location of the supplier in relation to the buyer, as well as the mode of transportation, can influence delivery costs. Additionally, the availability of the desired container type and size at the chosen location may impact delivery expenses, emphasizing the need for thorough consideration of logistics when budgeting for the purchase. Understanding these factors equips buyers with the knowledge needed to make well-informed decisions and ensures that they secure shipping containers that align with their specific requirements and budget constraints.
As an example, a buyer seeking a shipping container for storage purposes may encounter varying price ranges based on the container’s age, condition, and additional features. A newer container with custom features such as insulation and electrical inputs may command a higher price due to its enhanced functionality and durability, while an older container with visible wear and tear might be more affordable but require additional maintenance. Additionally, the cost of delivery, influenced by factors such as distance and logistics, adds another dimension to the overall pricing considerations. By understanding these pricing dynamics, buyers can make informed decisions and avoid overpaying for shipping containers, mitigating the risks associated with potential scams in the market.
Avoiding Scams When Buying Shipping Containers Online
When buying shipping containers online, it is essential to be cautious and vigilant to avoid falling victim to scams. One common red flag to watch out for is pricing that seems too good to be true.
Scammers often use unbelievably low prices to lure unsuspecting buyers into making hasty decisions without conducting thorough research or verifying the legitimacy of the seller. A 40-foot shipping container typically has a certain price range, so if a seller offers a significantly lower price without a valid explanation, it could be a warning sign of a potential scam.
As a buyer you should be cautious of sellers who pressure them into making impulsive decisions or using unconventional payment methods. By exercising skepticism and thoroughly vetting potential sellers, buyers can protect themselves from potential scams and ensure a secure and transparent transaction process when purchasing shipping containers online.
Seeking recommendations from trusted industry sources and leveraging verified online platforms can provide buyers with a curated list of reputable sellers, reducing the susceptibility to fraudulent activities and safeguarding their financial interests.
Reporting Shipping Container Scams
If you have fallen victim to a shipping container scam, it’s important to report the incident to the Federal Trade Commission. By doing so, you can prevent others from falling victim to the same fraudulent practices and contribute to the reduction of such activities within the industry. For example, if you encounter a suspicious online platform offering shipping containers at remarkably low prices and later realize it’s a scam, reporting the website to the proper authorities can help prevent others from being deceived.
Reporting any shipping container scams is essential in raising awareness about the tactics used by scammers. This can lead to increased vigilance among potential buyers and further deter scammers from targeting vulnerable individuals within the market. For instance, if you come across a social media page posing as a legitimate container company but suspect fraudulent activity, reporting it can help protect others from being swindled by the same scam. By taking the initiative to report shipping container scams, you contribute to the overall protection of buyers and the prevention of future fraudulent activities within the industry.
Taking reporting measures is also essential in raising awareness and preventing scammers from targeting more individuals in the future. By reporting shipping container scams, victims can contribute to the protection of others and the reduction of fraudulent activities in the industry.
Victims can share their experiences and warnings through online forums and social media platforms, creating a network of awareness and vigilance within the community. By sharing insights and cautionary tales, victims can help others identify potential scams and avoid falling victim to fraudulent activities within the shipping container industry. This collective effort in raising awareness and sharing information contributes to the overall protection of buyers and the prevention of future scams, fostering a safer and more secure environment for transactions related to shipping containers.
The Bottom Line
The global storage container shortage has heightened the risk of scams in the shipping container industry, making it imperative for buyers to exercise caution and thorough due diligence when engaging in transactions. By being vigilant, verifying the legitimacy of sellers, utilizing secure payment methods, and staying informed about pricing dynamics, you can protect yourself from potential scams and ensure a secure and transparent procurement process for shipping containers.
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This article was originally published by me on Medium.
I’ve been following Toronto’s Real Estate market closely over the last 18 months while applying Macroeconomic concepts to it. It’s been an interesting learning experience to me and I’d like to share my thoughts on the matter here. I’ll preface by saying that the following is just my interpretation of what’s going on. I’ve tried to present as much raw data as I can. I encourage you to make up your own mind, but try to keep an open mind.
Ok, so you don’t have to be an economist to understand that something is amiss in the Real Estate markets of Canada’s largest cities, Toronto and Vancouver. I’m going to focus on Toronto in this article. I live there so I understand the dynamics of the city. It’s also the largest city in Canada so what happens here significantly and directly affects the Canadian economy.
“Ok, so prices are going crazy and people aren’t earning a lot more money than they were before. We already knew that.” Don’t worry, I’ll get to the good stuff soon. Before we start, here are a few simple concepts that you should be aware of.
Simply put, The Federal Interest Rate is the cost of borrowing money, as set by the Bank of Canada (BOC). The BOC will regulate interest rates to ensure that inflation stays around 2%. However, changing the interest rate affects the economy in different ways, as we will see below.
A low interest rate means people can borrow more money since they will be paying lower interest on their mortgage.
Interest rates are often lowered to boost sluggish economies. Low interest rates mean that companies can borrow money cheaply to invest in building goods & services, which in turn will boost the economy.
Low interest rates mean reduced foreign investment, because investors do not get a high return on their money. This makes the Canadian dollar less likely to be bought, which lowers the value of it. Therefore, prolonged periods of low interest rates can cause inflation.
A HELOC is a mechanism by which a home-owner can take out a loan from the bank. If your house has gone up in value, you can take that equity out of the house at a low interest rate.
Example of HELOC If you bought a house for $1M (with $200K downpayment), and it has now gone up to $1.5M, you just made $500K on a $200K investment. But you can’t get access to this money until you sell your house. In these situations, you can get a HELOC. The bank would give you $500K (or however much you want, upto 65% of the value of your house), and in return you would pay the bank a low interest rate. HELOCs are often used to consolidate debts since the interest you pay on them is quite low. However, they can be dangerous as we will soon find out.
First, let’s talk about what is not happening. I don’t think this market is being fueled by foreign buyers coming and buying up properties in bulk. I don’t trust TREB but their data suggests that only 5% of all property may be bought by foreign buyers.
This means foreign buyers bought about 5,000 properties last year in Toronto. That number seems reasonable to me.
No, prices are not going up because “Toronto is like London, New York and Paris.” Toronto is not one of the financial, cultural, or metropolitan capitals of the world. Not yet.
It’s the year 2015. Steve & Kelly are a married couple who rent in Toronto. Let’s say they earn a gross family income of $100K ($6K monthly take-home after tax) and they pay rent of $2,000 a month. Very reasonable.
At this point, a few things can happen. And this is where things can get dangerous.
All three of these scenarios demonstrate speculation, as Steve & Kelly really have no idea what the market will do, but they use the increased valuation of their house to live above their means.
The Bank of Canada recently mentioned that HELOC loans are going through the roof. Forty percent of consumers do not make a regular payment against the outstanding HELOC principal and 25 percent cover only the interest or minimum payment.
These loans that people are taking out are being spent on speculative investments or consumer goods. This means things like home improvements, cars, vacations, TVs, Macbooks, etc.
In the previous example, Steve & Kelly earned $100K/year but somehow managed to get into a $1.5M house + other assets via their HELOC.
Well, in the near future, a few things can happen.
Well, Steve & Kelly are paying $3,000 at a 2.3% interest rate, which constitutes 50% of their monthly income. They also have to pay off their HELOC at some interest rate. What happens if that rate rises by 1%? Well, their payments would increase by $500, or 15% a month.
If rates rose by 2%, they would be paying $1,000 more per month!
Now you may say, “C’mon, interest rates don’t rise by 1–2% out of nowhere”, and you’d be right. But it doesn’t actually take a rate hike for Steve & Kelly to get screwed.
What happens if property prices stop going up by 15% a year (maybe because the government introduces some measures)? Well, as soon as property prices stagnate, speculators in the market will want to cash out because they were in it to make money.
This can cause an increase in supply in the market, which can lower demand. No more FOMO if there are a ton of houses on the market. This causes prices to drop more. No one wants to buy a house when home prices are falling, and everyone wants to sell.
Falling home prices will directly affect the amount of remaining equity in Steve & Kelly’s home.
What happens if prices fall by 15%, which is possible since they have been rising by 17% YoY?
Well, their $1.5M house would be worth $1.22M. Therefore, their total equity is $200K (downpayment) + $220K (appreciation). But they took out a $300K HELOC so their real equity is only $120K.
In other words, a 15% decrease in home prices means they are $80K underwater.
The government is going to try it’s best to make sure people’s home prices do not fall because if they do, they will get voted out. However, the government can only do so much to control the market. They can’t really restrict free market economics.
Here’s another data point for you. The Canadian Dollar is trading at the lowest price vs. the USD over the last 12 years, and the Bank of Canada recently announced that the economy did better than expected in terms of job creation.
A good economy means that interest rates can rise, because there is no need to support it with artificially low rates (It’s what we talked about right at the beginning, remember?). If rates do not rise, then the dollar will keep falling in value.
So there are really two options:
Either way, people aren’t going to be happy. And that’s the problem that the Bank of Canada faces.
If I had to list the main takeaways from this article, I’d suggest:
I think that’s good advice regardless of whether there is a housing bubble or not.


ALPINE GLOBAL INFRASTRUCTURE FUND,
A SERIES OF ALPINE EQUITY TRUST
SUPPLEMENT DATED APRIL 10, 2017
TO THE SUMMARY PROSPECTUS DATED FEBRUARY 28, 2017
The following replaces the second footnote to the fee table in the section of Alpine Global Infrastructure Fund’s Summary Prospectus titled “Fees and Expenses of the Fund”:
(2) The Adviser has agreed contractually to waive and/or reimburse expenses of the Fund so that total annual fund operating expenses (including 12b-1 fees, but excluding interest, brokerage commissions, acquired fund fees and expenses and extraordinary expenses) do not exceed annually 1.45% of the average net assets of the Class A shares and 1.20% of the average net assets of the Institutional Class shares. Total annual fund operating expenses after waiving fees and/or reimbursing expenses exceed the expense cap as a result of interest expense. This arrangement cannot be terminated prior to February 28, 2018 without the Board of Trustees’ consent. The Adviser may recapture amounts waived and/or reimbursed to a class if such recapture occurs within three years of the waiver and/or reimbursement and does not cause the total annual fund operating expenses of the Fund for any year to exceed the limits described above.
Please retain this Supplement for future reference.


Selling a house can be a really tiresome procedure thinking about just how selective buyers can obtain. It can obtain discouraging whenever potential buyers pertain to watch your house but don’t appear to be encouraged. When selling your house, plenty of persistence is required, plus you would have to make certain that your home is in the best condition to thrill the possible home buying company such as Highest Cash Offer and also compel them to lastly close the deal.
Nevertheless, some situations may not offer you sufficient area to exercise such persistence. Maybe that you are in urgent demand of cash or you are shooting with the sale to avoid foreclosure. Job loss and also relocation as well as divorce are several of the various other things that could place you in a place where you simply have a have to have actually the house sold. If you value your house, you wish to have the very best offer of what it’s worth, yet the limited time you have can imply supplying it at a throwaway rate. Thankfully, there is a far better way out of all the tedious job of obtaining the house in good condition and waiting for an interested customer prior to you can obtain your practical the cash that you require.
The Investor Remedy
When in such a placement, after that the best way out is to find real estate investors. Such financiers make the selling process very simple for you and will make certain that you obtain value wherefore your house truly deserves. The capitalists buy properties and you do not should take care of any repairs that are called for. Their main aim is to buy your home prior to updating it and making it ready for resale. When you don’t have the moment to do all this and you are truly not interested to go through all the concerns after that such an investor supplies you a fast escape of the scenario.
In essence, the capitalist will certainly have the house valued by an expert and give you an offer based on its current worth. The offer naturally will likewise be based upon the degree of house damage in various locations, but you absolutely get worth for the current problem of the house. The best aspect of real estate investors is that most offer cash for the sales as well as you could, therefore, channel the cash to areas that are crucial to you or locations that require your urgent financial focus.
They likewise have fewer limitations when it concerns the kinds of homes they could buy. Unlike buyers who have certain kinds of residences they are interested in acquiring, financiers will occupy anything, including condominiums, condominiums, duplexes, single household residences as well as land. This conserves you the time of waiting for the ideal purchaser to find along. If you are encountering a difficult situation and should sell your house fast, after that the real estate investors offer the quickest escape and you don’t need to bother with the problem of your house or long closing procedures.
Whether you are wanting to quit foreclosure or you simply have an urgent need for the loan, after that a real estate investor saves you the long, tedious procedure of locating the appropriate buyer as well as closing the deal. Anyway, you might follow more tips to sell it faster and at a better price.


New 100-hryvnia note for 2015
- Published on 30 March 2015
- Written by UPNS Admin
- Hits: 3332
On March 9, 2015 the National Bank of Ukraine introduced into circulation a newly designed 100-hryvnia banknote with a number of advanced international security features, including a transparent 'window' and an optically variable SPARK feature which changes color depending on the viewing angle.
The new note is the dominant yellow-olive color as with the previous version of the bill and is printed on paper substrate containing a watermark of Taras Shevchenko and electrotype 100. The obverse features a portrait of Ukrainian national poet Taras Shevchenko, a painter’s palette and brushes as a SPARK patch, and prose from his poem “Shall we ever meet again...” ("Чи ми ще зійдемося знову") written in 1838.
Love your dear Ukraine, adore her,
Love her . . . in fierce times of evil,
In the last dread hour of struggle,
Fervently beseech God for her.
The images have individual relief printing allowing them to be checked by touch alone. The signature is that of Valeriya Hontareva, Head of the National Bank of Ukraine.
The reverse shows the Taras Shevchenko National University building in Kyiv and the year 2014. The note also contains security features detectable by those with visual impairments, as well as those detected using Ultraviolet (UV) and Infrared (IR) light.
Deputy Governor of the National Bank, Jacob Smoliy, noted that the date of issuance of the notes - March 9, 2015 - coinciding with the anniversary of the birth of the outstanding representative of the Ukrainian people Taras Shevchenko. "It is symbolic that the presentation of the new banknotes 100 hryvnia, which, as in this denomination banknotes previous examples, a portrait of Taras Shevchenko is the very year the 200th anniversary of the birth of the Great Poet."
The new banknote is the result of a long term project begun in 2012 to replace the previous banknote series issued between 2003 and 2007.


National Iranian Tanker Company (NITC) is considering venturing into the liquefied natural gas (LNG) market as Iran gears up for production of natural gas in the future.
The plans were revealed by Mohammad Reza Shams Dolatabadi, NITC’s head of international affairs, Reuters reported, who said that NITC was looking into the acquisition of LNG tankers in the upcoming three to five years.
The diversification plans and fleet build-up come as NITC marks a substantial return to the European shipping market following the lifting of sanctions against Iran in January 2016.
“Our ships are calling at many European ports, and the number of these shipments is increasing day by day,” he told Reuters.
According to Dolatabadi, the company is eager to renew its fleet and is working on a five-year plan that will include purchasing of new tonnage and dismantling of outdated vessels, but without a major change to the fleet’s capacity.
Earlier this month, NITC’s parent company, National Iranian Oil Company (NIOC), signed a USD 5 billion deal with Total, marking the return of European oil majors to the country.
“By signing this contract, a lot of doubts with some foreign companies to invest and work in Iran will be resolved, and in fact, this will be the beginning of a return for those who want to invest in Iran, not only in Oil industry, but also in other fields not related to oil,” Iranian Minister of Petroleum Bijan Zangeneh said.
As disclosed by NIOC, Iran currently produces 290,000 barrels of crude oil per day, the figure which is going to witness an increase of 78,000 barrels bpd.


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There are many different ways for property owners to make money on their investments. One of the most common ways is by purchasing a rental property for either residential or commercial use. Yet getting into real estate investment can be tricky and intimidating. There’s a lot to research and learn before making your first purchase. Here is some advice on investing in your first property.
Is It Right For You?
Before making the big decision to invest in real estate, ask yourself if this is the right move for you. Does it make sense financially? There are mortgages and operating costs to consider, along with any surprises that may crop up. Other concerns include whether you’re willing to deal with tenants (this can vary depending on whether the property is residential or commercial). Don’t be afraid to think things over before making any final decicions.
First things first, investing in real estate requires funding. For your first property, you’re more than likely going to need to rely on a mortgage rather than being capable of paying for the property upfront. Ideally, one should strive to get preapproved before they begin seriously looking for property to purchase. This will streamline the process while allowing you to move quickly when you find the right property.
Generally, one should expect to put down between ten and twenty percent of the property value as a down payment. This will need to be considered in addition to handling a mortgage.
Once all the finances have been accounted for, it is time to start property hunting. Two primary concerns for this part of the process would be location and budget. It is beneficial to look at different areas and research their average rental prices, as this will provide an idea of prices and returns.
One final thing to consider is how the property will be maintained. Are you going to be the property manager? Or is hiring a property manager a better option? The latter is beneficial if you want to be hands-off, own properties outside of your area, or hand it off to someone with experience. However, remember that this will cut into the return on your investment.
Article originally published on JosephMcInerneyChicago.net