Choosing A Collection Agency

I am not a lawyer, I am a judgment referral expert (Judgment Broker). This article is my opinion, based on my experience in California, and laws vary in each state. If you ever need legal advice or a strategy to use, you should contact a lawyer.

When you own a judgment or debt, there is no guarantee you will be repaid anything. However, most people wish to try. When you try, there are many choices, that range from trying to do it yourself, to which professional you will use, to try to recover some of what the debtor owes you Testoprime.

Recovering judgment or debt money is usually very time-consuming and expensive. Be prepared to share a big portion of what is recovered with any company that helps to recover your money.

What factors should you consider, when choosing the right collection agency? The six factors to consider when picking a collection agency are their costs, location, contract, effectiveness, ownership policy, and customer service.

1) Costs: There are trade offs, with the costs of any recovery effort, or using any collection agency. Pure contingency, where you pay nothing, moves all the risks to the agency, and they must charge more. When the contingency fee is reduced, the fees you must pay usually increases. When you pay a bigger share to get your judgment or debt recovered, there should not be any extra up front, or other fees.

When the judgment or debt, and the debtor’s available assets are large, you may be able to negotiate a better rate, however this is rare because most debtors do not hold onto money very long.

2) Location: It always increases the odds for recovery when the collector is close to the debtor or their assets. The best collection agencies have private investigators and lawyers in every state, in case the debtor moves.

3) Contract: The best contracts are not too long, in large type, and are written to be easy to understand, with terms and costs clearly explained.

4) Effectiveness: The old school collection agencies usually used only the primary tactics of nagging debtors into paying. Every collection agency starts by calling and writing letters to the debtor, then usually puts the debt on the debtor’s credit report. Some stop there, and do very little more. The best collection agencies begin with the same methods, and then use private investigators to find debtor assets, and their lawyers, to levy the debtor’s assets to get you paid.

5) Ownership Policy: The best collection agencies let you retain ownership of your judgment or debt. The best will admit when they cannot make any more progress, and inform you of that in writing. The good news is you always own your judgment or debt. The bad news is, if a good company cannot recover any money, who can?

6) Customer Service: The best people and companies are rarely flakes. One drawback of a sole proprietor is if they get sick, busy, or detained, they may not be able to respond in a timely manner. It seems medium-sized businesses are best, because when a company gets too big, sometimes one hand does not know what the other hand is doing.

Judgment brokers know the best collection agencies nationwide, and can save you a lot of time by finding the best collection agency for you.

Why You Should Be Doing Your Football Betting Online

If you haven’t discovered online football betting yet, you must be living in the stone age.

You’re probably spending ages poring over newspapers and magazines to find all the best odds, then wasting hours of your life calling up sportsbooks on the phone, or even worse, driving round to them all to actually place your bets. Then what happens after the game? You have to drive round to all the shops again to actually collect your winnings. If you’ve got anything left in profit after you’ve paid for gas, you’re doing well.

Offline football betting is an absolute nightmare bet365 italia bonus. Luckily, I do all my football betting online. Thanks to the technology of the internet, I can find games, compare odds, place bets and collect my winnings all from the comfort of my couch at home, while drinking a beer if I want. Plus, I’ve got a ton of sports betting resources to help me plan my strategies and choose my bets wisely for maximum return. More about those in a minute.

5 Reasons Why Football Betting Online Is Better Than Offline

Convenience – Let’s face it, it’s so much easier to sit at home in your pyjamas to do your sports betting, than it is to get up, get dressed and drive for ages to actually get to a betting shop. Everything is at your fingertips at any time of day. You can watch the games live on TV and watch your winnings piling up on your computer at the same time.

Security – Online football betting is very safe and secure, as is all online sports betting. All the online sportsbooks are protected with military grade encryption technology to scramble all your personal details, and money is securely transferred between accounts just like a bank would.

Speed – Because it takes only a few seconds to place a bet, you can place more bets more often, and closer to the game which can sometimes give you an edge over other bettors, since you may have a better idea of how the game will progress just before it starts. If you want to do lots of sports betting, online is the only way to do it.

Diversity – Football isn’t the only thing you can bet on online. You can bet on dozens of other sports too: baseball, basketball, horse racing, dog racing, snooker, boxing, soccer.. the list is endless. Remember the old saying, “don’t put all your eggs in one basket”. The same is true for sports betting – spread your bets far and wide, and find out what you’re best at.

Opportunity – Thanks to the huge number of online sports books, there are many many opportunities for you to place good value bets. Healthy competition between sports books means better value for you, the bettor. Plus, thanks to some advanced software and betting research, many sports betting systems have been developed which can seriously improve your win-rate.

Sports Betting – Gambling the Intelligent Way to Maximize Your Profits

Sports betting gambling is one of the most popular wagering activities world wide. With billions wagered every year and only 2-3% of all sports bettors making a full time income it comes as no surprise the average bettor is looking to join this minority. Whether your goal is to make some money on the side or completely replace your income, sports betting can be an untamed beast that most will struggle to contain.

Sports Betting Gambling Or Sports Market Investing – You Decide

Gambling on sport is like any other business where you must research scommesse aams, analyze and assess your progress. It would be surprise most to know that you do not need to be the best at picking winners to turn a tidy profit overtime.

Discipline is the most critical component without a doubt and this is what is stopping almost everyone at making a real go out of their sports betting efforts. Have you go through periods of picking more winners than losers but still see your bankroll dwindling away? You are not alone!

Betting on sports and more importantly increasing your bankroll is about mathematics and discipline. A blind monkey can make a profit with sports betting as money management strategies are what separates the pros from the average Joe, not the ability to pick winner after winner for years on end.

One of the first things you need to do is assess how much money you are willing to put aside for your bankroll. There is no set number, whatever you feel you are happy to dedicate strictly to your sports betting efforts. Never burrow money or use rent money, your bankroll should be money that can be spared.

Second you must try to stick to sports that you are passionate about and have an interest for. While this is not gospel as there are heaps of resources online to help you, your best bet is to stick to sports you love. Be consistent with your bet sizes and the type of bets you make. One of the most popular is line betting where teams are handicapped to get the odds the same for either team. Consistency is the key here.

Stick to betting no more than 1-2% of your bankroll on a single bet. Most commonly referred to “units”. Units are your bankroll into smaller proportions. Eg. Having a bankroll of $1000 would suggest at $10 unit in most cases. This is why you will see handicappers mentioning unit amount and not a dollar amount.

The pros take sports betting gambling to another level by using betting progressions and proven money management systems. These system turn the odds back in their favor and allow them to make a profit even if they only hit 33% winners over a series of bets. Make no mistake, these betting strategies do work and are a big reason why only 2-3% of sports bettors are professional.

Sports Betting Sites – Reviews

Reviews of the Top Sports Betting Sites

Finding the best sports betting sites involves reading reviews of sites and trying them out yourself. Gathering information about these sport betting services will allow to you to find one that will suit your needs and provide you with the best experience. The following is a review of four of my favorite sports books: Diamond, Legends, Intertops and 5 Dimes.


Diamond Sports International is powered by Bookmaker and has been in business since 1998. This service is able to offer security and stability thanks to the partnership with Bookmaker Top bookmakers india. The site offers nice bonuses for both new and established players. DSI also offers a loyalty program and is known for offering exceptional customer service. The betting screens are user friendly and easy to understand. The most common complaint is that the company charges an above average rate for transfers, but for most people this is a small price to pay for an otherwise outstanding service.


Legends prides itself on offering above average customer service. While many sports betting services offer helpful customer service, Legends offers helpful service that is also friendly and personal. In addition to one of the best customer service teams in the business, Legends also is a stable company. The site offers bonuses for both new and established players as well as numerous promotions at any given time. Legends also has a great record of stability and security for its site. The most common complaint is that the site does not offer as many banking options as some other sites.


Intertops is one of the oldest sports betting sites. Intertops was established in 1996 online, but has been in business since 1983. The company has a strong history of financial stability. They have had some issues with payment delays, but those were quickly resolved and they have had no issues since 2005. The site is made to be easy to use and offer a simple place for placing bets. The bonuses offered by the site are nice and available to beginners and experienced players.

5 Dimes

5 Dimes is one of the top players in the game that has very good ratings in both financial stability and customer service. This site has great rewards programs for new players. Betting is open on a large variety of sports. 5 Dimes is known for having the most extensive selections of betting odds and wagers. The biggest issue players may have is that the site imposes limits for professional players, but for the novice this site offers an amazing experience.

Trying to find the best sports betting sites takes more than just reading reviews. You really need to look into each site on your own to see if what the site offers meets your needs. You want to make sure the site will offer the options and services that you will need. However, the reviews above should be enough to help you get started in your research and help you with making your choice in a good sports betting service.

Marketing For Magicians – 3 Tips to Get More Magic Show Bookings

Many magicians are sitting around waiting for the phone to ring and wondering why their marketing is not working. If that is you, do not fret; there are things you can do to make your marketing better and get more magic show bookings.

First, rethink your marketing material magicien Lyon. If your material is only about how great your show is and how funny you are, your potential clients are going to tune out.

You need to discuss the benefits that your clients will get from booking your show. For example, if you are selling a program on healthy eating to a school, try something like this:

After the show, your students will be more informed about the healthy choices available to them and excited about trying some of the ideas presented in the show.

Your students will be able to concentrate and get better grades when they try some of the simple ideas presented in this interactive show.

Next, make sure you have a USP. No not UPS, the postal service, but a Unique Selling Point. This is what makes you different from other performers.

Why should a potential client hire you versus the guy down the street? If you cannot answer that question, sit down and figure it out. Make it your tag line in your marketing. For example:

Creating magical memories that last a lifetime!


Changing habits through magic

Don’t lie. Find something unique about you!

Finally, get lots of testimonials from past clients and use them. Ask your clients to give you an honest evaluation. Use both the bad and good comments.

Use the good comments for referrals. Take the bad comments and use them to help you improve your shows. Always listen to both the good and bad. The only way to improve is to be open to criticism.

The History of the Online Casino

It’s always a humbling experience when we stop for a while and look around us. Half of the things we take for granted today were just the stuff of dreams and ambitions just a few decades ago. Take online casinos, for example. How many people wake up, open their computers, log into an online casino, and proceed to play the day away?

Back then, people had to go to Las Vegas just so they could play at a casino. They would travel for miles and miles just to play a single game of blackjack or baccarat Dominoqq. You really have to appreciate how people succeeded in making this happen.

In the Beginning…

Online Casinos started cropping up during the mid 1990’s, although there’s much debate as to who exactly opened the first one. Many believe it to be ‘InterCasino’, an online gambling site which opened in 1996. However, there are some that believe that it was actually ‘Gaming Club’, which opened in October 1995.

It is not unlikely that this is the truth, considering how Microgaming, the owner of the said site, is also the first online gambling software provider to be established. Either way, these new online casinos only received their go signal when Antigua and Barbuda passed an act called the “Free Trade and Processing Act”. This allowed online casinos to open at the said country without fear of litigation.

Of course, though the online casinos were based in the Caribbean, the bulk of their users resided elsewhere in the world. And, due to the very nature of the internet itself, this made all the users prone to exploitation.

This prompted the Kahnawake Gaming Commission to be established in 1996. They regulated the online gaming activity of people and casinos and also issue gaming licenses to the online gambling sites. They aim to keep the online gambling industry transparent and fair. The Kahnawake Gaming Commission is based in Canada and, up still provide excellent service to casinos and the users alike.

By the late 1990’s, online casinos were already very much established. However, connectivity issues were rampant and the action in general was rather slow due to the lack of bandwidth. It was only until after the new millennium that this issue was solved. But by then, online casinos had new problems.


It is impossible to talk about the history of online casinos without talking about the legal fiasco that happened in 2005. Antigua and the US were in a dispute over cross border online gambling.

The World Trade Organization decided to side with Antigua and, as a result, the US passed the UIGEA. This was a last minute addition to their Safe Port Act. The act made it incredibly hard for online gambling sites to cater to the US, so a lot of them just decided to close their doors to US citizens altogether.

Even until now, this piece of legislation is still under debate, especially since it hurt not only the online casinos but the US players as well. There’s a change in the legal climate these days, though, since the European Union seems to be rather supportive of the online gambling industry.

There’s even talk that the US is considering some concessions. Either way, it seems that Online Casinos not only have a colorful past, but a great future ahead too.

How to Select the Most Suitable Slimming Pills Or Capsules

Okay, you want to lose weight, and you are looking to buy some slimming pills or capsules to help you do so. How do you go about choosing the most suitable one?

How are you going to make the best judgment as to which particular slimming capsules or pills to go for? Below are some pieces of advice that might be helpful to you.

Ask yourself how fast the product you wish to buy works BolaXol. If you buy those particular diet pills, how long will it take for you to actually lose weight? Will it take only a few days, a few weeks, several weeks, or many months?

Then ask yourself again how effective those weight-loss capsules, pills or tablets are as a remover of excess weight? In other words, how much actual weight, in pounds, stones or kilograms, can you lose in X amount of days, weeks or months?

You need also to look at whether or not those particular diet pills, tablets or capsules have the ability to suppress your appetite? You see, if those slimming capsules can reduce your appetite (to eat) substantially, then they can help you lose weight quickly. It appears that the more effective diet pills are in suppressing ones appetite, the better they are as a weight-loss product.

A very important consideration you should take into account is how safe those particular slimming pills, tablets or capsules are. You do not want to start swallowing stuff that could harm you! Therefore, the safety of the product is of paramount importance.

Finally, ask yourself if those weight-loss pills, tablets or capsules are capable of giving you a long-lasting loss in weight. You don’t want to buy slimming capsules that will help you lose weight for a few weeks, only to put back the weight you lost, shortly afterward.

So, how do you find answers to the questions raised above? The answer is this: carefully study the guarantees the vendor/manufacturer (of the slimming pills or capsules you wish to buy) has given on their website. Do they sound genuine to you? Do they give you assurance and confidence?

In addition, check out the customer/buyer testimonials. By reading what past buyers and users of the particular slimming pills have said about it, you can finally make up your mind whether or not it is a suitable product for you to buy.

The Evolution of Slot Machines

Throughout the years, slot machines have become increasingly popular, allowing players to enjoy hours of fun whilst having the chance to win cash prizes at the same time. From the historical ‘One-Armed Bandit’ to the video slots that occupy a large section of many online casinos today, these games have witnessed a surge in popularity across the world.

This article will discuss the history of these machines and their progression from land-based games to internet gaming sensations Rajamas.

When Was The Slot Machine Invented?

The first slot machine as we might know it today can be traced back to around 1891. Known as the ‘One-Armed Bandit’, this slot was invented in New York by Sittman and Pitt. With five drums acting as reels and a lever on the side to set them off, it had 50 card symbols to land. As is the case with modern fruit machine slots, they were commonly used in bars across the country.

The First Automatic Slot

Not long after the invention of the ‘One-Armed Bandit’, the first automatic slot was invented by a man called Charles Fey in California, in 1895. With just three reels, this slot was widely regarded as running on a much simpler mechanism and only had five reel symbols.

Named the Liberty Bell, this first automatic slot could be seen as an influencer for some modern video slots today that still use three reels and a minimal amount of symbols.

Reel Symbols

Fruit symbols have long been associated with slots and this perhaps stems from 1907 and the invention of Herbert Mills’s slot machine. Called the Operator Bell, Herbert Mills created it to rival that of Charles Fey.

Despite the evolution of slot machines and reel symbols being comprised of just about anything, many video slots still choose to use classic fruit symbols. The likes of Double Bubble, one of the most popular video slots around, draws on classic features and symbols while still providing players with a modern spinning experience.

Slot Machines As We Know Them

In 1963, Bally Manufacturing managed to produce a slot without a side-mounted lever. As the first electromechanical slot machine, it could reward coins automatically without an attendant to help. Called Money Honey, this slot machine paved the way for electronic games of the future.

The Introduction Of Video Slots

Although Bally Manufacturing managed to bring electronic functionality to the slots scene around 13 years earlier, the first real video slots were invented in the mid-70s in California. Fortune Coin Co developed video slot technology in 1976, mounting a display on a slot machine cabinet and gaining approval from the Nevada State Gaming Commission.

Video Slots Today

The video slots we know today and their place in gaming can be traced back to the 1990s and the launch of the first online casinos. In 1994, the first online casino launched featuring a range of video slots to play.

There are currently hundreds of online casinos at which to play thousands of video slots. They’re provided by a number of software suppliers and seem to span across all types of categories and genres.

The chances to win huge cash sums are ever-present, more so with the introduction of progressive slots. With these games, some are linked up to wider networks, allowing prize funds to grow at a rapid rate and regularly reaching the millions.

Textured Ceiling Designs – Cumbersome Or Convenient?

Textured ceiling designs are becoming more and more popular nowadays with people starting to get more adventurous with their home d├ęcor. Adding some color, texture and style to your ceiling can change the aspect of the entire room. By simply remodeling the ceiling you can add depth and light to different rooms which can make a huge difference and can change the appearance of the room without having to remodel every feature. Many people do not delve too far into the idea of creating a textured ceiling design for their homes as they believe it to be a burdensome task which will require a lot of time and effort to complete. Though, if they were to price up the reality of having textured ceiling designs it is actually a very affordable and simple procedure Ceiling Design Ideas.

There are many different ceiling types that are now available with a variety of patterns and textures including brush textured ceilings, metal ceiling tiles and many more. Some people are even embarking on some unconventional methods of design which allow you to use just about anything to add some texture and pattern to your ceiling. Simply by getting some paint and a texturing comb, you can add some very vivid and imaginative texture a plain and simple ceiling. As well as being affordable, this creates a unique look and adds a personal touch to your home. A texturing comb is inexpensive and easy to come by, while the application would consist of texture powder and water. Instead of using a texture comb, you can be even more unique and creative by applying the texture with different objects such as your hands, sponges or different cloths. All of these will have a different texture, though be sure to experiment before you go ahead and start o the ceiling.

If you are looking for something more dramatic and on a larger scale, a coffered ceiling is one way in which you can add depth and texture to an otherwise plain ceiling. These patterns of sunken panels add interest and quality to the surface of the ceiling. Though having the ceiling coffered is one of the more expensive textured ceiling designs, it is a dramatic and beautiful way of renovating a room and rejuvenating the atmosphere of a space.

Of course, if you have decided to go ahead and texture the ceiling of your home by yourself, you will need to make sure you are aware of all the information before you start. It is a good idea to always consult a professional before doing any DIY work so that you make sure you are aware of health and safety standards that need o be met. It is important to make sure the texture is applied in the correct way to make sure that the surface is correctly sealed and that the fixtures are not compromised in any way.

Textured ceiling designs are an innovative and creative way in which you can add a new feel and impact to a room without having to have massive renovations. It is a simple, yet effective, way to give an old looking room a new lease of life.

Joint Pain and Some Suggested Home Remedies

If you are reading this, and happen to be over the age of fifteen, chances are that you’ve felt joint pain before. When you feel joint pain, you realize how much you take pain-free freedom of movement for granted. There are so many joints in your body and each is subject to aches and pains at some point in our life, but the common ones that seem to bother people are knees and hands, followed by feet and shoulders.

When you first start feeling pain in one of your joints, your first reaction will be to wonder what happened, and why. In order to begin this voyage of self-discovery, you should first know that while there are many possible causes to the pain, they usually do fall into one of two broad categories Schmerzmittel bei Gelenkschmerzen. The first is injuries or strains. The second category, is a variety of medical conditions which can then be subdivided into two smaller groups. Chronic conditions (such as arthritis) cause inflammation in the joint, and are long-term ailments. Acute attacks from infection by bacteria or viruses also can cause pain and inflammation in the joints. These are most often short-lived and the pain will abate as soon as the infection passes. Sometimes finding out what category your pain falls into is easy, other times it is hard to tell and you will want to visit a professional as soon as possible.

Injuries to joints can occur in the obvious ways such as sports injuries, or work related injuries. Some exceptions are unusual, such as a fall, or simply stepping off of a curb awkwardly. What joint injuries have in common though are that they are usually caused by extending the usual range of motion the joint is capable of, or the ligaments and muscles are flexible enough to handle. It is for this reason that professional athletes and fitness experts take part in regular stretching exercises. The more flexible the muscles and ligaments that support the joint, the less likely you will overextend them. There are cases of direct impact damaging the cartilage, but these instances are rare.

Among the medical conditions that can strike the joints, the one that everyone has probably heard of its arthritis. Arthritis is simply a case of the joints wearing out, which explains why it is usually associated with growing older. The cartilage is gone, so the bones are rubbing against each other instead of being cushioned. This causes pain. It’s probably not news to anyone who’s had a severe case of the flu that when little “nasties” invade your body, it does affect your joints a lot of the time. Personally I always wondered why I ached in my joints when I had the flu. Well, I eventually found the answer. When your body is attacked, it has self-defenses, similar to a little war going on in your body. Some of both sides die, and collect in the blood stream. The blood then carries these casualties and other debris from this battle, and deposits them in your joints. They say it’s always the innocent that suffer in a war.

Besides these more common ailments, there are a few that are less well-known but should also be discussed. You can also find people who suffer from Lupus, and Fibromyalgia. Both of these are chronic conditions, and even resemble arthritis in some respects but have different root causes. I actually have personal experience with Fibromyalgia, as my wife has suffered from it for years. In her case the condition is debilitating, and some days she actually can not even get out of bed.

What about causes? Well for the most part, medical authorities have not been able to pin point the specific causes of many of these conditions. They do seem to find a correlation to genetics. Arthritis they’ve said is just getting old and wearing out. However, there are some activities you should avoid such as too much exercise. Being overweight also puts a lot of extra strain on the joints, and that is a contributing factor not only to joint pain but many other symptoms.

If you are feeling joint pain, of course the first thing you should do is consider consulting a medical professional. Realistically however, there are plenty of people who just can not afford to do this unless it is a matter of life and death. Often this is not the case, so these unfortunate people will suffer with their pain as long as they can take it. Hoping all along it will just go away. We do have some ideas that you can try at home, that might help in these situations:

Move! The tendency you have when you are in pain is to curl up in the fetal position and wait it out. Okay maybe that’s just me. At any rate, when you are hurting, the last thing you feel like doing is being active. But this is exactly what you should do. If you don’t, your pain will only get worse. Whatever is making your joints swell and hurt is getting there through the systems of your body. In order for these systems to also get rid of any contaminants, they need a little help moving things out. When you move your joints, the bones come into contact and alternately squeeze and release those tiny tubes that carry materials both in and out of your joint area.

Cold and Hot. Yes this may seem counter intuitive but it works. You probably have used ice or a cold gel pack on a swollen joint or muscle or even your head. You also have seen the success of such products such as Icy Hot. With the joints, they do swell, so it is good to use the cold pack to reduce swelling and inflammation. Once it is back to close to normal however, you should apply heat to stimulate the blood vessels and other body systems. Plus it feels great!

Massages. Sure, it would be nice if it were possible to massage the cartilage directly, but something that does that hasn’t been invented yet. We can only hope. The muscles, and ligaments near to your ailing joint are also affected by the joint. So massaging them to stimulate the flow of blood helps to reduce recovery time. Yes, it also feels great. Try Thai massage if you can, that has worked wonders for me.

Over-the-counter medications. Of course a trip to your local pharmacy is not a bad idea. Let the pharmacist know what you are experiencing and I’m sure they will recommend a product that will help. Make sure it is an anti-inflammatory.
Whether you have a chronic condition or an injury, joint pain is not fun at all. Especially if you’re active and find that with this pain you end up just sitting around the house. You’ll go crazy. So do what you can to go see a medical professional at least to find out what is causing it. If that isn’t possible, try to figure out what is causing it, using the categories I’ve outlined here. That’s not going to make you a doctor any time soon, but it sure will help you stop worrying. Keep in mind the remedies that I listed that you can use yourself while at home, they’re cheap and effective. If you do, you might find that dealing with joint pain is a bit easier in the future.