3 Alternative Investments to Diversify Your Portfolio

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

1 Dollar Coin Products to Enhance Your Collection

Coin collecting has been a pastime since olden times. Some people collect them for their bullion value, while some people collect them because of their artistic value. Those people who have a good collection of antique, rare, and surplus coinage are proud of the unique effort that has built up their collection. To boost the effort of those collecting gold and silver dollars aims to market the widest collection of theme-based US coinage online. The coins on offer have been in circulation, yet, at present, are lying surplus in huge stocks. They offer coins that are modern, rare, world coins for collectors and investors who can add them as prize items in their collection.One dollar coin products include the U.S. Presidential series released in honor of US Presidents, available in chronological order. On display you will find the United States 2010 $1 American Eagle, which is made of silver, as part of the complete collection of silver coins of the 20th Century. Rare coins include the U.S. Peace Silver Dollar collection, which was released during 1922 to 1928.Coins available include those depicting eagles, buffalo, and other animals. Theme-based pieces are available for online purchase. The U.S. Kennedy Half Dollar coin, which was minted in 1970, depicts an eagle on the reverse and is worth collecting. Those who have the eye of a coin collector and the mind of an investor will surely find 1 dollar coin the best place to visit for increasing their collection.You have the widest choice of rare, antique, and current coins at discounted prices available. You will get coins in fine condition, such as the U.S. Morgan Silver Dollar with two-toned gold and silver metals brought to life with the encryptions highlighted, or an uncirculated U.S. Bicentennial Kennedy Half Dollar, which was minted in 1976.Some dollars are layered in bright and pure silver such as the Eisenhower Dollar with eagle motif was minted during the period 1971 to 1978. The collection of American Half Dollar coins introduced in 1964 was in memory of President JFK, rarely found in circulation, yet the design is still minted now. 1 dollar coin offers you a complete collection of these coins on an annual basis of issue.Minted in the United States, in 2012, is the 1 dollar coin, which has a baby themed design. This coin is perfect for a gift for a child at any occasion. On display are the most popular designs covering the history of the United States, which include the Black Diamond coin depicting a silver buffalo resembling the American bison, which is supposed to be a rare collection. The complete collection of the Black Diamond silver coins are available at various prices, depending upon the grade and year of production. Coins commemorating the Native Americans also comprise a precious collection, which is only available at 1 dollar coin in the full set. The set of Patriotic coin collection of gold-plated coins are among the products available at great discounts.I am Stanley Morgan, engaged in collecting rare and current dollar and half dollar coins since 1961. I have a collection of coins minted over the last few decades. I duly acknowledge the endeavor taken by 1 dollar coin without whom it would have been difficult to build up my collection.

Debt Collection Solutions – Collecting and Minimizing Costs

Best Debt Collections StrategiesThere is a growing army of debt collectors pursuing an increasing number of debtors who owe a growing amount of dollars. Complaints about debt collection practices and debt collection agencies are expected to rise perhaps by as much as 20 to 40%. The attitude toward debt collectors is often surly and political pressure may enforce ethical approaches to debt recovery. If you have debts to collect, you’ll need better collections strategies than have been used formerly.Aggressive collection agencies which get paid on commission might use any collections tactic and means available to them. They may not be concerned about your long term relationship with your customer. They may alienate you from your customer. Since customer loyalty is a priority, you need to work with a debt collection agency that has a more gentle approach to collections.Debt collection is a huge industry and serves a vital component of ensuring business cash flow is maintained. Often debtors will sway from their responsibility to pay on time and debt collectors make contact to get payments coming in. Although we like to think consumers and businesses alike will pay the debts on time, in fact they will pay those bills that are most pressing. That means those companies who don’t manage their bill collections will find their customers getting too far behind in payments.When bills go unpaid for a long time, it can cause the lender/seller some financial discomfort. That company’s bills may begin to be unpaid and a vicious cycle of non-payment or delinquency is set into play. Before your accounts receivable reach specific milestone dates, you want to make contact with the non-payer. There a variety of ways you can approach the person or company owing the funds. A tried and tested approach that gets bills paid without causing conflicts is perhaps your best option. If other companies have found that this approach works, you may avoid your own trial by fire methods, or the aggressive tactics used by many collection agencies.Collection Agencies – Experience CountsCollection agencies have found that certain overdue dates are very important. Typically beyond 180 days, collections gets a lot tougher. It is better to deal with debts effectively before 180 days and before other key lengths of time.Collections Letters and Dedicated CollectorsThere are typically 2 different ways to collect debts. One is to phone the person or company owing you payments. If this doesn’t work, you can hire a collections service. When a company or person learns that a third party collection agency is now involved, they are typically more interested in paying. They know their credit rating might be affected and their debt has now reached an embarrassing situation. Having a collection agency call on you is a humiliating experience and that sense of humility can get them to start paying the debt.While recovery of the debt owed is the end goal, you may need to collect in partial payments. The point of doing it this way is because once the indebted person starts paying, they become more conscientious about paying it off. They’ll be relieved when they do. You want these normal psychological forces in play to help you recover your money.Some agencies or service will offer flat fee collections services. That means you pay one low fee for collecting on an account or to collect a number of outstanding receivable accounts. This is a great way to save money. These services offer information on how to collect and provide effective collections letters to help you collect debts.If the gentle approach doesn’t get the results you need, then you can hire dedicated debt collectors. These are actual trained professionals who work on tough accounts that require human intervention. The debt collector will work more closely with the company or person to get action. Just because your account has gotten to this stage doesn’t mean you’ve lost this company as a customer. It simply means they are going to work harder with them to get payments coming.If the collection agency can collect on 50% of the debt, that may be far preferable to collecting nothing. If an agency charges 20% to 50% of the collected amount, it may be worth it in today’s difficult times. Bankruptcies are at alarming rates. That’s why it’s smart to get active on your overdue accounts and not let them get too far. Unfortunately, it is inevitable that you will have lots of these delinquent accounts. It may be wise to use a collections service to ensure you get your payments before that person pays their other dates. It’s your hard earned money so put your needs first.