Monthly Archives: March 2016

California Victim of Financial Elder Abuse Says Bank Did Not Question Withdrawals

A recent victim of financial elder abuse claims that Bank of America did not question transactions when she withdrew money. The senior citizen victim was allegedly scammed out of approximately $35,000. Police are searching for a black woman in her 40’s who disappeared with the money. California financial elder abuse attorneys warn seniors to be wary when people they do not know well as them to withdraw money from their accounts.

According to authorities in this case, the suspect told the senior citizen victim that the president of Bank of America had contacted her and told her that he need the victim to pull money out of the bank. The suspect promised the victim $572,000 in return for doing so. The victim then withdrew $12,000 from a Bank of America in Redlands, California, and another $23,000 from another Bank of America branch in San Bernadino, California. California financial elder abuse attorneys warn seniors that bank officials will not ask them to withdraw money from their accounts.

Bank of America officials say that there are security efforts in place to protect senior citizen customers from financial elder abuse. Bank of America has stated that bankers and tellers receive extensive training to identify banking transactions that are out of the ordinary. Bank of America officials also stated that they follow applicable state laws which may include contacting Adult Protective Services or local law enforcement. California financial elder abuse attorneys remind the public to be vigilant regarding financial elder abuse.

In this case, the suspect befriended the stranger in a grocery store parking lot. After the money was removed from the accounts, the suspect told the victim that the bank president wanted them to put the money in the victim’s trunk and return to the other Bank of America branch to fill out paperwork. The suspect then went to use the bathroom and disappeared with the money.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at

Toyota Kirloskar Motor (tkm) Inks Mou With Uco Bank For Loans

UCO BANK will be one of the preferred financiers for the entire range of vehicles sold by Toyota Kirloskar Motor Private Limited (TKM). The MOU was signed by S K Dey Purkayastha, General Manager, Retail Banking & Corporate Communication from UCO Bank and Sailesh Shetty, General Manager (Sales) from Toyota Kirloskar Motor.

The bank will become a preferred financier of Toyota Kirloskar Motor cars and will offer financing facilities to eligible customers. The tie-up will enable the bank to increase its car loan portfolio substantially, said Arun Kaul, Chairman and Managing Director,UCO Bank.

“This tie-up will give us a platform from where different products of our bank can be marketed to the prospective buyers of Toyota Cars throughout the country. Thus, the bank”s retail portfolio as well as customer base can be increased”, Kaul added.

The bank”s retail portfolio as well as customer base can be increased.Under the agreement, both Toyota Kirloskar Motor dealers and the Bank branches will source Toyota Car loan business using their customer database.

Speaking on the occasion, Ajai Kumar, Executive Director, UCO Bank said “In order to increase the competitiveness of the Bank”s Car Loan Scheme the product has been modified and interest rate is lowered to make it more attractive in the market place”. N R Badrinarayanan, Executive Director also graced the occasion.

Speaking on the occasion, Sailesh Shetty, General Manager (Sales), Toyota Kirloskar Motor said, “We are pleased to announce this partnership with UCO Bank as our customers will greatly benefit with the competitive rates and convenient locations that UCO Bank provides its customers. It will be considerable value addition for our customers. With the market looking up this is the right time for us to step up our efforts to reach out to our customers with better and easier finance options.”

Tax Debt & Bankruptcy

Generally, Minneapolis bankruptcy attorney advocates that if you owe debts to the Internal Revenue Service or other State’s equivalent agencies, the debt is not dischargeable in bankruptcy but for very particular circumstances concerned. In case of bankruptcy Chapter 7, a complete discharge of allowable debts is possible whereas in bankruptcy Chapter 13 a payment arrangement is designed to disburse some debts while the remaining debts are discharged. In the bankruptcy laws, usually the tax debts are taken care of in the same manner as in both bankruptcy Chapter 7 and Chapter 13 petitions. The majority of tax debts cannot be discharged in bankruptcy says Minneapolis bankruptcy lawyer. A bankruptcy petitioner who has tax debts has to essentially fulfill the required five criteria for discharge and the majority of people are not able to fulfill these criteria.

All tax debts are related to a specific tax return and tax year keeping that in consideration the bankruptcy law has laid out specified criteria in relation to how old a tax debt can be explains Minneapolis bankruptcy attorney.

If the income tax debt of a petitioner fulfills all of the five rules, then that tax debt can be discharged in Chapter 7 and Chapter 13 bankruptcy petitions. The Five Rules to Discharge Tax Debts are listed here: 1. The due date is at any rate three years ago for filing a tax return. 2. The tax return has been filed at any rate two years ago. 3. The tax assessment done is at any rate 240 days old. 4. The tax return has not been fraudulent. 5. The taxpayer has not been at fault of tax evasion.

Some ‘Tax Debts’ are ‘Not Dischargeable’ according to Minneapolis bankruptcy lawyer such as the tax debts arising from unfiled tax returns. The IRS customarily reviews tax on unfiled returns. However, only if the taxpayer files a tax return for the year in question such tax liabilities cannot be discharged.

Prior to a Chapter 7 or Chapter 13 bankruptcy is granted, the bankruptcy petitioner needs to provide evidence that the four preceding tax returns have been filed with the IRS and not after the date of the first creditors’ meeting in a bankruptcy case as well as offer a copy of their most recent tax return to the bankruptcy court.

About the author:

Richard writes for the legal and bankruptcy law website Minneapolis bankruptcy help. The law firm has an enviable track record of helping companies and individuals file for bankruptcy protection successfully. For any of your bankruptcy problems meet their and get rid of your financial woes.

Tax Depreciation Why Deal With Quantity Surveyors

tax depreciation? shows you how to maximize cost of construction to take advantage of return on investment.”>Taxation is one of the strategies that the state officials use to receive funds. These funds are useful to offer the social facilities that citizens need e.g. equipping the fire brigade with the necessary resources in order to be capable to respond to social calls. Both the small scale business entities along with the large ones are taxed as per the income they receive from their deals. As an illustration, you have to make sure that you assess the correct amount as tax for your business. This prevents both over and under taxation. If perhaps you are observed to under tax, then you can be sued in a court of law. To prevent yourself from the scrutiny of a government tax officer, then you better estimate the tax for your firm yourself.

In relation to this nonetheless, there are quantity surveyors who will enable you to save your cash. In Australia, Washington Brown is an illustration of a firm that does this kind of guidance. They will help you to decrease the amount you have to cater for as depreciation tax. Only accredited quantity surveyor should cope with this area to ensure you’re in the right path when cutting your taxes. On top of that, they will be able to offer you effective service that will usually take 2 to 3 weeks for them to receive a tax depreciation schedule ready for you.

So how do these firms make sure that you reduce your taxes? This is how. They will provide tax depreciation tips which include: 1. Making certain you build higher buildings preferably. Higher buildings will most likely depreciate more. What this means is a bigger allowance for depreciation. The increase in depreciation is caused by the facilities you need to give for the residents of the building say like lifts, gyms and so on.

2. Hiring a professional quantity surveyor for the task. With the changes that are being dealt with in property depreciation processes, an experienced surveyor will be up to date with the current changes. This way, they will enable you to increase your depreciation allowances.

Cost planning and also management is another process that experts can assist you in. This too will minimize the amount of costs you need to incur in your business. Now that you learned how could you utilize depreciating your taxes, then have a good team in place.

Do you want to know why you should appreciate ? shows you how to maximize cost of construction to take advantage of return on investment.

Salary Advance Loans- Use a Little Extra between Your Paydays

Salary advance loans give you the power to use a small part of your payday in advance. You can use a bit of your payday by paying a little fee for it. It is the best solution for all the financial problems you might be facing. You can easily get out of trouble without any problems. The beauty of these loans is that you can get the money in your account in less than 24 hours time.

It is very obvious that in an emergency all you need is the urgent cash. can help you in that case. You will not have to wait for the money for a long time. Your loan will be approved without any delay. It is the reason why these loans are very popular among the UK citizen.

It is important to note that these loans are only available to the citizen of UK. You need to prove that you are a citizen of UK and are at least 18 years of age. You also need to prove that you are employed and are getting a monthly paycheck of at least 1000 pounds. All these small formalities are to assure the repayment of the loan.

If you are running on bad credits and are worried about the acceptance of your loan application then you should without thinking so much apply for these loans. These loans are approved on the basis of your monthly income. You are never bothered for your past records. So you just have to prove that you are able to pay the loan back in time. So if you are looking for short term assistance then you just need to find a computer with internet and the money will be in your hands without any hassle.

Gamin Kils has added many achievements to the financial loan market by writing many articles for the loan sites. He never feels shy in sharing his great experiences with the common people. To know more about payday loans, , payroll loans visit

Decorative Paint Market Set For Astounding Growth

According to a recent research report by RNCOS, Indian Paint Industry Forecast to 2015, Indias decorative paint market is anticipated to post remarkable growth in the coming years. The market is thus anticipated to grow at a CAGR of more than 15% during FY 2012-2015, riding on the back of real-estate boom and infrastructural development coupled with increase in income levels.

The decorative paint segment is classified into emulsions, enamels, distempers, cement paints and others, which include wood finishes, primers, putties, etc and holds around three-fourth share of the total paint sold in India. This ratio is sharply in contradiction with the trend in developed countries. However, demand for decorative paints is seasonal with bulk of sales taking place during the festival seasons from September-December, while sales remain slack during the monsoon months from June-August.

Under the decorative paint segment, emulsion and enamels hold major share in market, and are mainly popular in Tier-I and -II cities. Distempers, on the contrary, are majorly used in Tier-III and rural part of the country. As per our analysis, emulsions market is expected to post a massive growth in the coming years.

Further, our report spread in around 70 pages also reveals growth trends along with the recent movements in the market pertinent for any investment decision. A snapshot of the identified key players including Asian Paints Ltd, Berger Paints India Ltd. is also provided to enlighten clients towards deciphering a clear knowledge of the industry. Overall, our report presents a complete picture of every aspect of the paint industry in India that will facilitate intending clients towards devising tactful investment devices accordingly.

For FREE SAMPLE of this report visit:

Some of our Related Reports are:

– Indian Housing Sector Analysis ()
– Booming Construction Equipment Market in India ()
– US Cement Industry Analysis ()
– Saudi Arabia Housing Sector Outlook ()
– China Housing Sector Outlook 2013 ()

Check Related REPORTS on:

About RNCOS

RNCOS specializes in Industry intelligence and creative solutions for contemporary business segments. Our professionals analyze the industry and its various components, with a comprehensive study of the changing market behavior. Our accuracy and data precision proves beneficial in terms of pricing and time management that assist the intending consultants in meeting their objectives in a cost-effective and timely manner.

How To Start Trading The Forex Market

What Is FOREX or FOREX MARKET? PART I

The Foreign Exchange market (also referred to as the Forex or FX market) is the largest financial market in the world, with over $1.5 trillion changing hands every day.

That is larger than all US equity and Treasury markets combined!

Unlike other financial markets that operate at a centralized location (i.e. stock exchange), the worldwide Forex market has no central location. It is a global electronic network of banks, financial institutions and individual traders, all involved in the buying and selling of national currencies. Another major feature of the Forex market is that it operates 24 hours a day, corresponding to the opening and closing of financial centers in countries all across the world, starting each day in Sydney, then Tokyo, London and New York. At any time, in any location, there are buyers and sellers, making the Forex market the most liquid market in the world.

Traditionally, access to the Forex market has been made available only to banks and other large financial institutions. With advances in technology over the years, however, the Forex market is now available to everybody, from banks to money managers to individual traders trading retail accounts. The time to get involved in this exciting, global market has never been better than now. Open an account and become an active player in the largest market on the planet.

The Forex Market is very different than trading currencies on the futures market, and a lot easier, than trading stocks or commodities.

Whether you are aware of it or not, you already play a role in the Forex market. The simple fact that you have money in your pocket makes you an investor in currency, particularly in the US Dollar. By holding US Dollars, you have elected not to hold the currencies of other nations. Your purchases of stocks, bonds or other investments, along with money deposited in your bank account, represent investments that rely heavily on the integrity of the value of their denominated currency the US Dollar. Due to the changing value of the US Dollar and the resulting fluctuations in exchange rates, your investments may change in value, affecting your overall financial status. With this in mind, it should be no surprise that many investors have taken advantage of the fluctuation in Exchange Rates, using the volatility of the Foreign Exchange market as a way to increase their capital.

Example: suppose you had $1000 and bought Euros when the exchange rate was 1.50 Euros to the dollar. You would then have 1500 Euros. If the value of Euros against the US dollar increased then you would sell (exchange) your Euros for dollars and have more dollars than you started with.

Example:

You might see the following:

EUR/USD last trade 1.5000 means One Euro is worth $1.50 US dollars.

The first currency (in this example, the EURO) is referred to as the base currency and the second (/USD) as the counter or quote currency.

Finance A Franchise For Subway

When it comes to buy a Subway Franchise, the first think which clicks in the mind is that how you will go to finance it?. Buying a Franchise or coming in the food chain business involves various things like setting up the restaurant, arranging for the shop fitters to fit out the shop accordingly, kitting it out with all the required catering equipment, fitting all the tables and chairs, and many more. That is the reason people usually look for a financer before buying a Subway Franchise. By having a handsome amount in their hand theyll be able to effectively budget their monthly outgoings through a monthly finance package to operate their business immediately with all the equipment they need.

Own a Subway Franchise only by going through the process of financing, as by doing this you are keeping your available capital in the bank, leaving it available for other important business expenditures. It will provide you liquid flow of cash to run the day-to-day business activities. You cant imagine how easily youll get back your return on investment easier by opting to tailored franchise finance package. It will benefit you by lending maximum money to your bank account each month on your lease agreement.

No one can deny the popularity of Subway, not because their unique chain of restaurants but for the quality they provide with mouth watering sandwiches. There is hardly any need to mention that their high profile advertising campaigns and their ongoing popularity and excellent menus are certainly attracting potential franchisees from all over the world. They all want to open their own Subway franchise and want to take a part in the active race to success. If you think about it you almost get it, enormous flexible finance packages on the market are available. It allows you to build in the franchise fee with all useful equipment that goes into the Subway restaurant.

Fulfill your desire to owe a business related of fast food industry by buying a subway franchise. This is the only platform where food have both moderate as well as healthy flavor

How Market News Affect Business And Investment Decisions

News has become a part and parcel of modern lifestyle. No matter whether you are watching television news or reading a newspaper or reading news stories at a news portal, the objective is the same getting updated with what is happening around you in all aspects. Businessmen, investors, and corporate people give more importance on business news rather than other news. And for investors and businessmen in the Indian market, business news on India caters to their thirst for information every now and then. Most people rely on a market news portal that carries detailed information related to business news on India. The greatest advantage of reading news at such a platform is that you can read a relevant news article several times and browse through the numerous pages at ease to your hearts content and to your convenience.

The influence of business is such that even those who are not involved in any stock market investment or business do read business news on India. In the future if they happen to start investing, they will set sail easily no matter what the tide is. To assess the direction of a trend, especially for short term and long term trading, collect statistical data records of market fluctuations over a certain period of time.

You can also view the up-to-the-minute currency exchange rates at a market news platform. Almost all financial sites do run online calculators to help you calculate the currency values and thus find the currency exchange rates of the desired countries. For international traders and forex traders, getting updated with the latest currency exchange rates is a must. Once you are updated with market news, will no doubt stay away from confusion in case of taking an investment decision.

The activities in the money market change according to what the investors do with stocks and commodities. There are varied investment options in the market today. If you read market news regularly you will know about the latest investment products as well as existing ones that are lucrative. This way you can diversify your investment plans and facilitate yourself and your family with a secured present and future.

Tips On Writing Your Operations Manual Using The Franchise Operations Manual Template

Franchise Operations Manual Template is the blueprint of your business.

Franchise Operations Manual is one of the most important documents needed for each franchise business. It has a great difference from a successful and a profitable business to a misfortunate performing one. The operations manual serves as a guide when running a business and success of whatever business depends on it.

Writing the franchise operations manual can be a frustrating task but it is important that you have to work hard just to finish it. Rely on yourself; don’t rely on the writing ability of others because you are the person who is well-informed about your business. Tips are as follows to give you a guide throughout the writing process.

o Get ready. If this is your first time writing a franchise operations manual, have yourself familiarize first regarding the document prior to writing. Of course every business is exceptional and there are different business procedures in every company. However, it is not necessary that you get into details about this stage. All you demand to do is to get familiar with this type of documentation.

o The first draft. After you have an idea what a franchise operation manual is you can proceed to writing the first draft of your own manual. As you have already observed, the manual can be a large document so you will probably need a lot of time outlining all the information and even more time writing the details. This is where a specialized franchise tool can aid you. Software products are available which can able to provide you the chief frame of the manual you are writing. If you select to use the Franchise Operations Manual Template software, all you will need to do is to customize the ready template.

o Get the draft reviewed. Once the operations manual draft is ready, review it by letting it read by the other members of the management team. They can also add some important ideas since they also know the nature of your business. In addition, when the manual is read by many, there is a big opportunity for you to have a more polished and better work.

o Get the second draft reviewed by professionals. Once you are almost done in your manual, let a lawful professional review it. This can be useful especially when targeting franchisees from different countries.

o Make it official. Once you have the second draft ready, utilize the final corrections and make the official version of the franchise operations manual. Don’t forget that you can still revise it afterwards depending on the market change and the development of your business.

Completing the operations manual can be hard for you but through the aid of the Franchise Operations Manual Template, you can have the comfort in writing. Purchse now the template and get ready to begin your business.