Are you having hard a time collecting unpaid bills from your customers? Do you find it difficult to keep track of the payments your clients owe to your business? Do you want timely collection of your money? If yes then you need to hire a collection agency. Studies have shown that the possibility of collecting an unpaid bill drops dramatically within a few months, so it is important to act on those delinquent account sooner than later.All companies at some point face delinquent accounts that need to be collected. Often it is easier to hire services of a professional collection agency to recover the overdue amounts. Collection agency locates the debtors and collects the money on your behalf. Studies have shown that the possibility of collecting an unpaid bill drops dramatically within a few months, so it is important to hire the collection agency early to improve the chances of successfully collecting the money and to recover a substantial portion of your unpaid accounts. For example according to a survey by the Commercial Collection Agency Section of the Commercial Law League of America, the probability of collecting an overdue account drops to 73 percent after just three months, to 57 percent after six months, and to only 29 percent after one year.Using an agency saves you time and money. They are simply more effective than you can be in recovering delinquent account. They have trained professionals backed by phone systems, computers, and software to make them more effective at collections. Downside to using a collection agency is that they charge between 15 to 50 percent of what they recover. But it is worth every penny. You will still end up with more than what you would if you try to collect yourself.But how do you know it is time to hire a collection agency? There are some tell tale signs that your customers are not going to pay you and you may need a professional agency to collect the payments.One of the first signs of a customer unwilling to pay their bills is excessive complains that are mostly unwarranted. They will call in repeatedly to customer service and find problems, ask for discounts and even ask for free service. Some of the other common signs are customers simply denying that they owe you money despite concrete evidence. They will frequently ignore collection notices or will be unresponsive to your phone calls. As a last resort many of them will change their contact details without informing you. Their mail will bounce and the phone number on file will show as disconnected.As a business owner, it is important to read into these signs of trouble and take action immediately. Ask your friends and business associates for recommendations. You can also find multiple collection agencies at a B2B marketplace on the internet or the yellow pages. Call up a few and ask them their modus operandi. It is important to feel comfortable with their approach before hiring them. Additionally make sure they are licensed to operate in your state and will work within the law to collect your money.
Love it or loathe it, stamp collecting has been around for a long time, and is here to stay. Nevertheless, it captivates people in all walks of life, and from all age groups. Even with fax machines and e-mails, many items are still being sent by conventional post. It would seem that the earliest reference to collecting stamps was in England in 1841, the year after they were first issued. People have different reasons for collecting stamps. Some find it relieves stress. Others like the educational side of it. Prospects of financial gain motivate still others. Prior to postal service, people forwarded messages and letters via trusted travelers. By the sixteenth century an international postal service operated among a number of European states.In 1837 Sir Rowland Hill published a pamphlet on “Post Office Reform.” He recommended that letters be delivered anywhere in England for a penny. The British Government followed through and in 1840 penny postage started, issuing the first adhesive postage stamps for use on letters. These were the famous one-penny stamps bearing a profile of Queen Victoria (the Penny Black) and the blue two-pence stamps. A couple of years later the first adhesive stamp in the United States was put in circulation by the Despatch Post of New York city. It prepaid a three-cent delivery charge on a letter mailed inside the city. Canada followed suit in 1851 with a three-penny beaver design stamp. Innumerable books are available through public libraries and bookstores as aids to knowing stamp values and what to collect. Information is freely available on the Internet. An album is very helpful for classifying, as well as a magnifying glass.Some start by saving stamps from letters coming into their homes or places of business. Others build a collection by purchasing packets of various kinds of stamps. Most collectors find that the larger packets have the best stamps in them. A chronicle of human history can be seen through the picture window of stamps. Peaceful scenes, war and other human tragedies, scientific accomplishments, profiles of kings, queens, presidents have all been depicted. During World War II postage stamps were converted into a medium of propaganda by the opposing sides. Commerce and industry have played a part in influencing their design. Some collectors specialize in animal stamps. The koala bear, the egg-laying platypus and that noted jumper the kangaroo have all had their pictures on Australian stamps. Peruvian stamps have illustrated the llama, while Liberian letters have been decorated with the crocodile. The tortoise has appeared on Vietnamese and Ecuadorean stamps. Some people enjoy doing this by collecting stamps on which various nations have portrayed birds common to their lands. The eagle has a place on the face of Polish, Albanian and Syrian stamps, to mention only a few. Venezuela has featured the vulture, Hungary the raven, Spanish Sahara the ostrich, Korea the hawk, while Austria, China, Monaco and others have pictured the soaring wings of the gull. The pelican has appeared on the stamps of Yugoslavia, Mozambique and Antigua.Unusual stamps, needless to say, interest many collectors. Stamps come in literally all shapes and sizes. A Papua stamp bearing the names of every post office in the country was not only an oddity but a first. In 1853 the Cape of Good Hope issued the first triangular stamps. Brazil’s first stamps in 1843 were oval shaped. One of the world’s rarest stamps, (thus very expensive) is the British Guiana – now Guyana – 1¢ magenta, issued in 1856. It was issued in limited numbers, and only one specimen is now known to exist.An Austrian stamp pictured a wine merchant of Lower Austria in native costume with everything correct except the man’s ears, which were the wrong way around. A St. Kitts-Nevis stamp showed Christopher Columbus on his ship approaching the Americas on his historic trip of 1492. A sharp-eyed stamp collector noted that Columbus was looking at the land through a telescope. Yet telescopes were not invented until over a hundred years later!
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