The Business Decision to Purchase a Fake Ring

When you are starting a new business and looking for ways to save money, paying less for a synthetic engagement ring seems like the best choice. However, if you are going to purchase a fake ring, you should prepare yourself for some drama. The business option does not always work out the best in these situations, and you can never gauge someone’s reaction. Some people are understanding about financial situations and do not want their partner to stress about making ring payments. Some will feel cheated out of a real diamond and offended. It could even feel like the engagement itself is less serious.

If you are tight on cash and ready to make a commitment, purchasing a fake ring could be a reasonable option. Cubic zirconium or a lab generated diamond are less valuable, yet they look and feel just like a diamond. They may dull over time, but it is difficult to tell the difference unless you are a professional.

The best way to approach buying a fake ring is to be honest. Imagine how upset a girl would feel if she found out she had been lied to about the authenticity of her prized possession. The best way to handle the situation is explain your financial standing and promise to replace the synthetic diamond with a real one when you have the capability. However, still brace yourself for a bad reaction- some are more understanding than others.

In the end, it is probably best to avoid the issue and settle for a smaller diamond. For beautiful diamonds in a variety of styles in Richmond, visit Steven’s Jewelers. Look into different stores for pricing and style options that are best for you and your partner. She may even prefer you pick out the ring together before a proposal.

Buy a Franchise Business and Gain Financial Freedom

Although most people know what a franchise business is, many don’t realize that if they buy a franchise business, it could mean financial freedom for life. What are the benefits of buying a successful franchise license? In this article, we outline 3 major benefits of doing business with franchise holders.

A Measure of Guarantee

The first thing that you get is a better-than-average chance at succeeding in business. Starting a company from scratch requires a tremendous amount of input with no guarantee of success whatsoever. This is why people hesitate to go into business for themselves even if they have an idea or a product whose commercial value is worth exploring. When you buy a franchise business, a great amount of uncertainty is taken out of the equation because that model has likely already been successful in a somewhat similar setting.

A Measure of Automation

Franchise business models are very similar in that they all come with a ‘system’ that just needs to be implemented properly. Once implemented, it pretty much runs on autopilot most of the time. A new business might need hand-holding for several years before it can be allowed to stand on its own feet, but when you buy a franchise business, that time is sped up several times.

A Measure of Freedom

Putting the assurance of ongoing income and a high level of automation together, what you arrive at is the perfect formula for financial freedom. Many business owners operate more than one franchise because they want multiple sources of ongoing income. Franchise businesses abound today, and finding the right business broker gives you access to dozens of business opportunities that you may not have realized existed.

Any business is a risky proposition, but with a franchise business, the quantum of risk is significantly reduced, making it easier for people to decide to invest in a business of their own.

How to Choose a Car Insurance Company

There can be nothing more stressful in this world then trying to find the right insurance provider for your car, motorcycle, home, or rental dwelling. There are so many different insurance companies to choose from and they all seem to offer the same types of insurance and prices. When I was going through purchasing my car insurance I came up with a way in which to choose the best insurance provider for my needs. I was able to find the best car insurance company in Arlington, Virginia, called Insurance Doctor. They provide the best customer service out of any other insurance companies in the market today. Insurance Doctor also provides competitive rates and coverage for all types of drivers and homeowners in Virginia.

The first step is to pick three insurance companies that you have heard good things about or whose advertisement has the cutest animal in it. Either way you go about choosing them only choose three because after that all the information will become redundant and it will be harder to compare the different insurance companies from one another.

The second step includes looking at reviews of the three companies you have chosen. You will want to look at the price and coverage variations and kind of put this in the back of your head for a moment. Choosing a company based solely on price is a bad, because you will end up getting horrible service and coverage. What you really want to look at is what previous customers have said about their service and how well their insurance company handles accidents. Check all of the different levels of reviews including the bad ones because generally those are the ones you are going to get the most information from.

Finally you want to check for customer service ratings. I believe that this is the most important factor of any insurance company. One thing that is not easily copied from company to company is the way in which they treat their customers. Companies can copy prices and polices but it takes a good company to provide highly trained customer service representatives to help you through your situations.

Richmond Mortgage Types | Choosing a Home Loan

When I was growing up, homeowners only had 3 types of mortgage loans to choose from. Times were simpler. Then again, in those days we also had to walk 4 miles to school, uphill both ways, in the snow, with hand-me-down jackets that were 3 sizes too big. So maybe change can be good. There are now a handful of options to choose from when buying or refinancing homes, so take the time to do your homework on which one is best for you.

Fixed Rate Mortgage Loan

This is the grandfather of all loans. It is as old as time. You will have the option of 5, 10, 15, 20, 30, and even 50 year fixed rate mortgages that are all entirely amortized.

VA Loans

This type, coincidentally not named after the great state of Virginia from which I am writing, is available to veterans that have served in one of our great military branches and sometimes to the spouses of deceased veterans. There is no down payment as this is provided by a lender but guaranteed by the Dept of Veteran Affairs. My best friend is in the Navy and qualified for a number of VA Mortgages in Richmond. If you meet the qualifications, this is definitely worth it.

FHA Loans

These are insured by the United States government through insurance that is built into the loan. This is optimal for first time buyers as the down payment is relatively low. One drawback can be that the total size of the home mortgage loan is often capped.

The great thing about this process, although it can be confusing, is that nearly everyone you know has had to go through this process. Ask people you trust what lender they used and what type of loan they might advise.

Choosing a CPA in Richmond

If you’re reading this article, you probably already understand why it’s so important to have a CPA you can rely on. Simply put, their skill and expertise can play a pivotal role in your financial well-being. With that in mind, any search for a new CPA should involve due diligence – and a commitment not to hire the first one you meet.

Instead, plan on learning about several CPAs, and working toward a real understanding of which one would be right for you. Gaining that understanding requires a little time, but is more than worth the effort. Here is the process I went through to find the right CPA for me here in Richmond, VA:

Ask For Recommendations

Whenever you begin a search for someone to provide an important service for you, a great rule of thumb is to start by asking for recommendations. Who do you know who might have used a local CPA? Friends, family, and business associates are a great start – particularly people who work in your field; people with similar careers can best evaluate if the CPA has experience handling financial issues common to your field of work.

Ask the Right Questions
Let’s say that you’re able to identify a few recommendations. That’s great – now try to qualify the recommendation just a little more. Ask your associates if the CPA was inquisitive and responsive – willing to ask and answer questions thoughtfully? Was the work diligent, thorough, and of high quality? Was the work completed on schedule?

Interview Prospective CPAs
Now that you’ve got a list of candidates, it’s time to contact them. Call them and ask them for a few minutes to discuss their qualifications. If you don’t already know, ask your candidate if he is a CPA – not every accountant has completed the rigorous study and passed the tests to become one. What are your candidate’s specialties? Where did he go to school? How long has he been certified, and in business? Is he licensed? And finally – does he have any references?

Of course, this process takes a little time. But remember the financial importance of finding a well-qualified CPA, and the potential pitfalls of working with someone who lacks the qualities you need. CPAs know the importance of their work; they know why you need to be sure they can handle the job. So your candidate should be willing to present his credentials; if your candidate is unwilling to do this, you should look elsewhere. For what it’s worth, I contacted several CPAs in Richmond VA, and all were gracious in providing some time to chat.

Go Ahead – Ask About Fees
You’ll want to know how your prospective CPA charges for his service, so don’t be afraid to ask. Some charge by the hour or the number of forms to be completed; others charge by the project. While pricing is essential to know – and a good point of comparison – keep in mind that better experience and qualifications merit higher fees. As is true of any professional service, you’re liable to find that paying more for quality is a good bet; if you choose solely on a low rate, you may regret that decision later when mistakes cost you money.

Thankfully, I was able to find a Richmond CPA who was able to provide the service I needed. Follow these steps, and I’m sure you will, too.

Finding a Business for Printer Sales in Richmond VA

When the office copier is down, it can become a bottleneck that affects everything else, so finding a good provider of printers in Richmond, VA is essential to the normal functioning of any business. Here are some tips on how you can find the right service provider for your company.

Step 1: Location and Proximity

The first step is to shortlist a few companies that are located within reasonable driving distance of your office. Reasonable could mean 15 minutes if the copier is a critical part of your business; or, it could mean an hour if it’s not that urgent a function. Whatever that is, it should be your first cut-off point.

Step 2: Service Level

Next, find out what the turnaround times are for typical repairs and maintenance. Again, if the office copier is mission-critical, then you’ll need someone that can be in and out in an hour or two. Either way, you’ll need to have an idea of how quickly they can fix your copier.

Step 3: Professional Reputation

Third, you will need to go online and research the professional reputations of the full list of providers of printers. You can do this by searching for reviews or looking for comments about them in social networks like Facebook and Twitter. This should be relatively easy to do because you only have to type in their name and the word ‘review’ or ‘comment.’

Step 4: Initiate Contact and Negotiate Contract

Once you’ve done these three, the fourth step is to talk to them directly and negotiate a rate for various services. Regular maintenance schedules and periodic cartridge refills typically come as packaged services, so find out what they have in the way of ‘special deals.’

When you follow these steps, you are more likely to end up with a trust-worthy company that serves your needs instead of one that has you running in circles trying to get a simple job done.

The Value of Business Brokers

Just like a realtor is a valuable necessity when you go to sell your home or buy a new one, a professional business brokerage service is essential for selling or purchasing a business.

White upfront, it may seem like a simple task to transfer ownership of a company from one party to another, in reality it required someone with experience in these transactions.

Want to sell?

business broker making a dealThey can also help you answer some important questions and help you make the right decision no matter which site of the sale you are on. For sellers, a broker can help you decide which are the right terms and price that you want to sell your company for. Because they know the local market, they can also tell you if it’s a good time to sell. A brokerage firm can even help you market your company to get the most exposure from the people most likely to make a purchase.

Or are you interested in buying a business?

A business broker like those at FCBB Phoenix at can also help you buy a business whether you have purchased a company before or if you are looking to be a business owner for the first time. They have the resources to show you all the companies on the market whether they are a small burger stand or a franchise location and help put a value on it so you don’t pay too much. After you have made the purchase they are able to assist in getting your new business up and running on the right foot.

You would hire a realtor to sell your house, and a lawyer to represent you in court so it makes sense to have someone on your side who knows the industry when you are in the market to sell or purchase a business.

Personal Injury – How a Lawyer Can Help

Many of us have been in a predicament where a personal injury lawyer can help.  The law allows for an injured person to go to civil court, in order to pursue a legal remedy for any and all losses that are a result from any accident or harmful event.  There are a few different situations where a personal injury attorney can be of assistance.


Suppose you were in a car accident, because of someone drinking or texting while driving.  This is carelessness on the offenders part, and you can pursue legal action against their negligence in order to pay for the medical bills and damage they have caused.  In addition to car accidents, this covers slips and falls, medical malpractice and any other mishap that has led to injury because of the carelessness of another person.

Intentional Harm

The offender has acted to intentionally cause harm to the defendant.  Examples of this include but are not limited to: assault, battery, attempted murder, and many other malicious acts of conduct.  If someone has gone out of their way to harm you, a personal injury lawyer can provide legal help and help with your case.


Personal injury lawyers also help where defamation of character has caused irreparable harm to one’s reputation.  Whether it’s a malicious rumor that has caused you difficulty in finding a job, or losing your current job, or a lie that has sparked controversy where others treat you in a manner that has put your safety at risk,  a personal injury lawyer is the one to contact.

If you find yourself in any of these situations here in Richmond Virginia, then a good personal injury lawyer can help.  We all may have one in mind that we will call on if we ever need them, but for those that don’t have one in mind, I recommend going with Whitehead & Chiocca.  This professional firm takes on a limited number of cases, so that the lawyers themselves can dedicate their time to each and every client, instead of passing off the case to a junior in the firm.  If you would like more information, please visit their website.