If I Do Not Have a Courier Account, Can I Still Get Shipping?

When you first start dealing with a courier company, whether in their store or on their website, it will seem like everything is geared towards account holder. There will be lists of the benefits for account holders, places for account holders to sign in, and a host of other similar information. This can intimidate people that don’t know anything about the courier industry. The good news is, that if you really need an Albuquerque courier to make a delivery for you but you don’t want to open an account, you can probably find a company that will offer you service with only a little looking around.

There are still a few companies that only offer shipping to business clients with accounts though, so it is best to get that out of the way before you waste any time with a courier company. If you are dead set on shipping without an account, simply contact the courier company and ask them what their policies are for shipping with non-account holders. Although there is a chance you might run into a company that doesn’t, by your second call you should have no problem getting shipping.

If you don’t have a courier account, you will probably have to pay for your shipping up front. Account holders don’t do business this way. Instead, they just place their order and then are billed at a pre-determined regular interval. If shipping without an account is possible, you will probably have to place your order over the telephone and give the company a valid credit card in order to get pickup made.

In the past, if you didn’t have a courier account you wouldn’t be able to make much use out of the online software which is used by courier companies, but this is starting to change. You will probably be able to use their tracking software, for instance. Now however, some companies are also allowing non-account holders to place service requests online, as long as they can provide payment via credit card.

It is important to realize that there are always going to be a few perks to being an account holder though, and that these are worth considering if you’re going to need shipping regularly. For instance, sometimes account holders get access to better rates. The courier may also have services such as warehousing which are only available to those that have opened accounts with them.

Is It Possible to Refuse a COD Order?

People get shipments delivered to their homes all the time. Sometimes you have to sign for the shipment and sometimes you don’t. There are times you do not even have to be home to receive a delivery. Not everyone has dealt with a COD shipment. COD stands for cash on delivery or it can also stand for collect on delivery. You will pay for the shipment when it arrives instead of prior to shipment. CODs are nice when you don’t trust giving out your credit card information over the phone or internet.

What happens if you receive a COD that you did not order? Can you refuse it? Yes. The law states that you can refuse a COD. If your local Albuquerque courier happens to bring you a COD that you did not order you can refuse to accept it. The package will be returned to the company at the company’s cost. By allowing you to refuse CODs you are protected from companies just up and sending you anything at anytime. There are many unscrupulous companies out there that would do it too.

In the meantime, the CODs that you did order and do accept from an Albuquerque courier will actually build trust between you and the company. They will realize that you are a customer that can be relied upon to make the payment for the COD. They will have no problem sending you CODs in the future.

If you are a business and are thinking about shipping CODs, what you will have to do is pay for the shipping and other related costs upfront. The courier will then collect these fees along with the price of the goods sold when he delivers it. If by chance the COD is refused, you will have to pay for the shipping costs to have the package returned. That is the one risk you will have when dealing with CODs.

Having a package returned happens very seldom, so doing business using CODs can be a good idea. There are a lot of people who are afraid to give out there credit card information because of the fear of identity theft. In today’s world who can blame them. It happens all the time. If you offer CODs as an alternative you would pick up more customers. The minor risk you would take in returns would mean nothing compared to the new business you could generate.

One of The Fastest Growing Data Center Markets

Phoenix is one of the fastest growing cities in America and has become one of the fastest growing data center markets in the world. Phoenix’s data center market is strong and filled with national players. Absent from most natural disasters, Phoenix has become the ideal disaster recovery location in the West. Due to its proximity and lack of natural disasters, many California companies are making the move. An added bonus for moving to Phoenix is the significantly lower prices. Arizona is less expensive then that of its bordering states.

Arizona, as a whole, is a central location to many major West Coast cities. For example, it is quicker to fly to Phoenix from San Diego then it is to drive from San Diego to Los Angeles. Understanding the potential in Phoenix, many providers have moved into the area. So far the providers were right in moving to Phoenix, the demand for outsourcing IT infrastructures has continued to grow.

Multiple companies have expanded their data center into the suburban area of Phoenix. One such company expanded their data center into Chandler, which is about 15 minutes south of downtown Phoenix. The company explained the reasons for expanding as low cost of power, and a pro-business economic environment.

This ‘pro-business economic environment’ has continued to grow with the increase in population. The increase in population over the past decade has made the government consider adding a ninth congressional seat by the 2012 elections. The growth has been felt in the suburbs more so then the downtown area. The government is trying to combat the increase in population by having city planners rethink federal funding for schools, transportation, and small cities.

With more people come more new businesses. As Phoenix and the rest of Arizona grow, so does the amount of small business and industry-leading businesses. Businesses are seeing the advantages of collocation services. A collocation hosting plan can benefit any company that requires high bandwidth and server storage space to support its business. E-commerce, social media websites, or any other web based businesses that handles large amount of traffic and host a lot of content can benefit from collocating its servers to a reliable data center.

As your small business or industry-level company continues to grow and develop, your server might not have adequate space to handle all the data stored on your website. A prime example of this is E-commerce websites having to store its customers’ address, credit card information, order form, and account information. As E-commerce sites become more prominent and handle more customers’ information, it starts to fill up its server’s hard drive and the need for more memory becomes all too apparent.

Easy Cost Cutting Tip For Small Business Owners

One of the easiest and effective cost cutting tips for small business owners is to review their merchant service account. Now is the time for businesses to go over their expenses with a fine-tooth comb and eliminate as many expenses as possible. For many small businesses, the difference between closing the doors and being profitable boils down to a couple dollars per month.

So why is the merchant service account often overlooked? The main reason is because the business owner has switched credit card processors several times chasing the empty promise of cost savings. This left a very bad taste in their mouth to say the least. And to top it all off, they are constantly assaulted with cold calls promising the “lowest rates in the industry.”

What can a business owner do avoid this headache? Pay close attention to the Do’s and Don’ts

The Do list

* Do look for a credit card processor that offers interchange-plus pricing (ask for it by name)

* Do shop at least three providers

* Do buy your own equipment (most terminals are $100-200)

* Do take time to audit your monthly statements

The Don’t list

* Don’t sign a contract that has an early termination fee

* Don’t use a provider just because you already have an established relationship, ie your bank, Costco

* Don’t lease equipment or software under any circumstance

* Don’t pay an annual fee, application fee, or monthly minimum fee

This is a great time for business owners to switch their credit card processing because many processors are feeling the economic crunch. Processors are more likely to lower their rates, and their profits, to get the account rather than not get the account. As a result there are some real cost savings to be had. For example, we are saving our clients an average of over 50% per month on the new merchant accounts that we sign up.

The bottom line is your bottom line. Keep it Black!

Reid Wilson, ChFC

BlackLine Capital Partners

Debt Relief Questionnaire

As unusual as it may sound, most people in America in our opinion really do not know if a debt settlement company is the solution they think of when facing mounting debt issues. Recently, we conducted a study of approximately 500 people in the Phoenix metropolitan area. Our questionnaire consisted of ten basic questions regarding peoples use of credit, their current debt load, and how comfortable they were carry high amounts of debt. The goal; to see if they could benefit from the use of a debt reduction company.

Below are the 7 questions that received the most responses:

1.) Am I living off of my credit cards? In other words, do I use them to pay my regular bills each month?
2.) Do I just make the minimum monthly payment each month, or maybe just a little more than the minimum monthly payment?
3.) Do I feel that even though I make my payments, I just do not seem to be getting anywhere?
4.) Have I used one credit card to make a payment on another one?
5.) Do I play the balance transfer game? (This is when you get a solicitation in the mail encouraging you to transfer the balances of your other credit cards for a very low interest rate…only to have your “new” interest rate disappear after 6 months or because you missed one payment).
6.) Do I hide a credit card from my spouse or significant other for my own use?
7.) Am I living beyond my means right now?

Our feeling from the beginning was that if enough people answered yes to any three of these questions, they should definitely get in touch with a debt relief company for a free consultation.

Terminal Leasing Scams 101

There’s a very simple rule of thumb when it comes to leasing credit card terminals. Don’t do it. This is the biggest rip off in the industry and one of the main reasons for the negative stigma attached with processing.

Most merchants have sat down with a sales rep and been shown a slick lap top presentation that shows how much better the new low qualified rate you’re being offered is than your current rate. They guarantee debit savings and an increase in business by….wait for it….placing Visa and MasterCard stickers on your windows and doors. The end of the presentation comes with an impressive number that this new set up will save you (let’s say the provider says they can “save” you $200.00 month). But wait, there’s more. Out of these savings the provider is going to take back a set fee every month to pay for the new terminal they’re giving you(let’s say this fee is $60.00). So your total savings is $140.00 a month AND this new terminal will be replaced if anything happens to it and updated when new technology comes out! Here’s the catch. To get all this you have to sign a five year lease.

Now let’s do some quick math. You’re paying $60.00 a month for 60 months. That’s $3600.00 for a terminal that costs $200.00 if you buy it outright. This is where the sales rep begins to convince you how great their customer service is and how responsive they will be if you have any problems. They may go as far as to give you a guaranteed number of new terminals you will receive because of advancing technology.

How do you avoid a lease scam? There are some very simple principles.

1. If a company is requiring or strongly suggesting a new terminal either take them out of consideration or Google the terminal they are trying to sell you to see the actual cost.
2. Don’t do business with any company not offering interchange plus pricing.
3. Always make a sales rep show you on paper how they got the amazing savings they are offering you.
4. Check the company’s website you’re doing business with….if they don’t have one refer to the rule of thumb in the first paragraph.

There are numerous companies pushing leases every day. The only reason to buy a new terminal is if your existing terminal is broken or out of compliance (go to http://www.pcicomplianceguide.org if you have questions). Remember, the main thing to know about leasing a terminal is DON’T DO IT. Call an industry expert with any questions you may have. Until next time, consider whose bottom line your provider is protecting…..if it’s not yours….it’s time for a change.

Can I Get Rid Of My Mortgage And Keep My House? Can I Keep My Car And Get Rid Of My Car Loans?

I have noticed there is a good amount of confusion when it comes to secured debts. It is understandable, really. Every time you enter into a financial agreement – buying a home, securing a car loan, applying for credit cards – there are pages and pages of information spelling out the terms of the agreement. Unfortunately, they are usually written in size 2 font and contractual language. My eyes hurt just thinking about it.

I think it is near impossible for clients to understand what is going to happen with their loan in bankruptcy, if they do not understand the original terms of their contract. It is no wonder I have clients that come to me wanting to erase a debt in bankruptcy (say a mortgage or car loan) without having to turn over the property securing it. Shame on you, loan companies, for not including client education as part of your loan terms.

Before we get too deep into this conversation, let me first give a brief introduction to secured debts. A secured debt is one in which the creditor has rights in the security (think collateral property – something that the creditor can take in the event of default) and against the debtor in the form of personal liability (think lawsuit – the creditor can file suit against a individual that defaults on a loan).

Let’s consider a standard car loan. These are secured loans which means that, if you read above, you know that there are two ways the creditor is protected. One way is by your personal liability towards the loan. If the car is taken by aliens – and your insurance won’t cover it – you are still liable for the debt. The second protection is via the car itself. In this scenario, the security or the collateral is the automobile and thus the creditor can repossess the car when the loan is defaulted on.

What constitutes secured debt? Well, again it comes down to that fine print. Generally, any vehicles loans or property mortgages you hold are secured by the associated collateral. However, this may not be true for personal loans that you just happened to use to purchase your home or car. Get where I am going with this? In additional, most credit card debt is unsecured. However, even this is not black and white – a certain big box electronics store is especially good at claiming debt accrued on store credit cards is secured by the property purchased.

How are these secured loans handled in bankruptcy? Generally, when you file chapter 7 bankruptcy you are removing the personal liability associated with your debts. This is why creditors will no longer pursue payment from you – you are off the hook, so to speak. However, liens against the collateral property pass through bankruptcy unaffected (barring circumstances allowing lien avoidance or stripping).

What does this mean? The secured creditor can no longer come after you – but they can and will come after the property. What options do you have? According to the bankruptcy code, there are three options for handling secured debt in bankruptcy:

Redemption: this means that you pay the secured creditor the present value of the collateral asset in a single cash payment. Once paid, that asset is yours – free and clear. The balance of the debt is then considered unsecured, and discharged with your other debts.
Reaffirmation: this is an agreement to waive the discharge as to the reaffirmed debt and to pay the debt according to the original contract. This means that your personal liability towards that debt will remain after bankruptcy, which can be devastating if you default on the item in the future.
Surrendering: the collateral renders the debt an unsecured debt in bankruptcy. Your personal liability is discharged in bankruptcy. If you surrender the collateral property, there is no other avenue for the creditor to pursue, even if the value of the collateral is less than what was owed.

Please note that the above explanation is the Cliff’s Notes version. No, scratch that. It is the 3×5 flashcard version. I wanted to give you all an understanding of secured debt, so that when you talk to an attorney you may have a better understanding of your bankruptcy case. There are numerous complexities that I didn’t address today.

For example, in some cases liens can be avoided or stripped. Under these specific scenarios, the security is stripped and the debt is classified as unsecured. Two common examples include second mortgages that are wholly unsecured by equity in the home and car loans that exceed the fair market value of the vehicle.

Want another example? Sometimes people will choose against the above three options on a secured debt, and instead chose to do nothing. This allows personal liability to be discharged in bankruptcy. However, even if you remain current on the loan, the creditor still may take the property under the stance that filing bankruptcy alone is contractual default.

As you can see, it is complicated. I recommend you contact an experienced bankruptcy lawyer for a consultation prior to making any decisions about your case. Talk about coincidence, I am an experienced bankruptcy lawyer and I do offer free consultations regarding your bankruptcy case. So, if you have questions regarding your secured debt, get into my office today.

What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

“Can you please explain to me, what is the difference between a chapter 7 and chapter 13 bankruptcy?”

Well folks, I am often asked this question and, while I am more than happy to answer it, it requires that we go back to Bankruptcy 101.

Let’s start with chapter 7 Bankruptcy…..

A person must first make sure that they qualify before filing. A person will qualify for Chapter 7 relief if either: (1) their income does not exceed the median income level for the state in which they reside; or (2) if their income is over the state median, the “means test” is satisfied. In addition to the income requirement, before a person can file for bankruptcy, they must receive credit counseling from an agency approved by the United States Trustee’s office.

If you are ready to find out if you qualify for Chapter 7 relief, the first step is preparing the petition. Preparing a bankruptcy petition can be overwhelming and confusing and that is why we suggest that you let an experienced bankruptcy attorney assist you with this process. There are a number of detailed rules and procedures that must be followed to ensure that your petition is filed correctly with the court and that you allowed exemptions are maximized.

Once a petition is properly filed, the court will appoint a trustee who will be assigned to your case to collect all “non-exempt property,” of which he or she will take these assets and distribute proceeds to appropriate creditors. This does not mean that a trustee will take all of your assets. In fact, a person filing pursuant to chapter 7 may even qualify to reaffirm specific debts which would then be exempt from capture and repayment by the trustee. For instance, by signing a reaffirmation agreement a debtor can continue to pay for a car loan or a mortgage on their home.

Under Chapter 7, the debtor does not make a payment to the trustee for his or her services and a filing debtor receives a discharge on all dischargeable debts.

So, then what is a chapter 13 bankruptcy……..

Chapter 13 bankruptcy is sometimes referred to a reorganization bankruptcy and is very different from Chapter 7 bankruptcy. In a Chapter 7 bankruptcy, most debts are discharged and a person is given a “clean slate” to start over. However, those persons that do not qualify for Chapter 7 bankruptcy, or those that want to retain valuable assets, may nonetheless seek financial relief through a Chapter 13 bankruptcy filing. In a Chapter 13 bankruptcy, a person does not hand over any property, but must instead use their income to pay some or all of what is owed to creditors generally over a three to five year repayment plan.

The length of a person’s repayment obligation will be dependent on how much they earn in relation to how much they owe. If a person’s average monthly income over the preceding six month period prior to the date a Chapter 13 bankruptcy petition is filed is more than the median income for their state, they will be mandated to prepare and propose a five-year repayment plan. If however, a person’s income is lower than the median, they may propose a repayment plan over three years.

No matter how much you earn, your plan will end if you repay all of your debts in full, even if you have not yet reached the three- or five-year mark.

Chapter 13 bankruptcy isn’t for everyone. Because Chapter 13 requires you to use your income to repay some or all of your debt, you’ll have to prove to the court that you can afford to meet your payment obligations. If your income is irregular or too low, the court might not allow you to file for Chapter 13.

If your total debt burden is too high, you are also ineligible. Your secured debts cannot exceed $1,010,650 and your unsecured debts cannot be more than $336,900. A “secured debt” is one that gives a creditor the right to take a specific item of property (such as your house or car) if you don’t pay the debt. An “unsecured debt” (such as a credit card) doesn’t give the creditor this right.

Like Chapter 7, before a person can file for Chapter 13 bankruptcy, they must receive credit counseling from an agency approved by the United States Trustee’s office.

The most important and unfortunately most complicated aspect of a Chapter 13 filing is the repayment plan. This is a detailed list that will describe precisely how a person will repay each of their debts. There is no official form for the plan and therefore it is strongly recommended that you seek the advice of an experienced bankruptcy attorney when preparing your repayment plan documents.

A Chapter 13 plan is required to pay certain debts in full. These debts are called “priority debts,” since they are considered adequately important to move to the head of the bankruptcy repayment line. Priority debts include child support, alimony, wages you owe to employees and certain tax obligations.

In addition, your plan must include your regular payments on secured debts, such as a mortgage or an auto loan, as well as repayment of any arrearages (past due amount(s)) on the debts.

A repayment plan must also illustrate that any disposable income a person has left after making required payments will go towards repaying any unsecured debts, such as credit cards. It should be noted that a person will not be required to repay these debts in full or at all in some cases.

If for some reason a person cannot finish a Chapter 13 repayment plan, if circumstances are warranted, the bankruptcy trustee has the power to modify the plan, or a court may discharge the remaining debts in full if “hardship” can be demonstrated. If the bankruptcy court won’t let you modify your plan or give you a hardship discharge, you might be able to change to a Chapter 7 bankruptcy or seek permission from the court to dismiss your Chapter 13 bankruptcy, of which case a person would still owe any remaining debts, plus interest(s) creditors discharged while the Chapter 13 case was pending.

Piano Shoppers Should Avoid High Pressure Sales Tactics – Buying A Piano May Not Be Necessary!

Piano shopping can be a nightmare of pressure! But if you are new to pianos – don’t be pressured into rushing in. The needs and concerns expressed by the average or first time piano buyer are often at conflict with the advice they receive while shopping. So, where can you turn for advice without feeling pressured into making a buying decision “right now” that might not fit into your present comfort zone? To answer that question, let’s examine the mindset of some typical piano buyers, whom I shall call Jim and Mary Forte for purposes of this article.

Typical Piano Shopping Concerns

The hypothetical Forte family would like their children to learn how to play the piano, but like most parents, they have concerns about investing a lot of money for an expensive piano before they know how well their kids are going to do with their piano lessons. Yet they also realize that a toy piano or a cheap piano keyboard isn’t the answer either, if they want their kids to be truly successful.

Over the years I sold pianos in the Phoenix, AZ piano market, I met a lot of parents who were willing and able to purchase a fine musical instrument for their kids, but they wanted to see measurable progress before writing that big check to the piano store, and now, in hindsight, I have to agree this makes a lot of sense. However, no matter how much sense that might make to parents, in the real world of piano sales, that’s the last thing that most piano dealers want to hear.

When I sold pianos for a living, it was my job to convince people to buy “right now” even if they weren’t mentally prepared to make that kind of buying decision. And I often thought there had to be a better way of helping these people, but in those days, that’s just how things worked – either you sold or you starved! Sadly, because of this outdated marketing philosophy, there are thousands of orphan pianos languishing in homes, never used for more than a short time, which is exactly the fear expressed by so many prospective piano purchasers.

Piano Shopping Simplified at Last!

Good news! The days of subtle, high pressure piano sales are over if you know where to shop! There are a few piano stores springing up here and there that work the way I always thought a piano store should work. In one of these places, it is now possible for Jim and Mary Forte to give their kids piano lessons without mortgaging their soul to do it.

In fact, the Forte’s or any other sensible parent in this new piano market place can have a brand new, or quality pre-owned piano delivered to their home for under $150 total outlay, with no strings attached and absolutely no buying pressure of any kind whatsoever! They can try the piano in their home for up to one year for a low monthly investment, and if things don’t work out, they can return the piano with no questions asked – without ever purchasing it. This is a piano parent’s dream scenario – and the traditional piano salesperson’s worst nightmare!

Piano Shopping Without Risk

This is the way I always imagined the piano business should be, but it gets even better. One of the pioneers of this unique trial plan calls it a “play period” in which there is no commitment to buy anything. At the end of this “play period” the parents have several options, none of which pressures anyone to buy anything before they are absolutely ready to make that decision on their own.

People living in the Phoenix AZ area, for example, can visit this new type of piano store online or personally. They are shown pianos in the $35, $50 and $75 per month range, with “play periods” varying from 3 months to 12 months depending on the piano. Let’s say they choose a $50 per month piano with a 9 month “play period.” By the end of the ninth month, they will have invested less than $150 to get started, including the delivery of the piano to any Phoenix location, plus the $50 monthly investment. The monthly payment is billed directly to their credit card making it hassle free – and no annoying credit check either.

At the conclusion of the “play period,” they have several options. If things haven’t worked out with the children’s lessons, they can just return the piano they selected with no questions asked. Or if things have gone well, they can either continue making monthly payments for as long as they wish on a rental basis, or they can choose to buy the piano applying 100% of their “play period payments” to the piano in their home, or to any other piano offered by the company. The choice is completely theirs, without any pressure to buy at any time.

Piano Shopping That Truly Makes Sense!

Isn’t this the way buying a piano should work? Shouldn’t piano parents be able to give their kids piano lessons without mortgaging the farm before they know how well the kids will do with their lessons? Isn’t that better than being pressured into making a purchase before you are truly sure that you are doing the right thing?

As a retired Phoenix piano salesman, who is no longer under pressure to sell pianos for a living, I can objectively say that Josh Wallace of My First Piano in Mesa, Arizona is doing the right thing for piano buyers. The way he offers pianos to the buying public is the way I always dreamed a piano should be offered to people, with absolutely no sales pressure of any kind, and terms that any first time piano buyer can truly live with. If you live in the Phoenix area, My First Piano may very well be your first and last stop for all your piano needs.

For people living outside the Phoenix Arizona area, here is what I recommend. Don’t allow yourself to be pressured into buying a piano too soon! Make absolutely certain it’s the right thing and the right time for your family before investing. Ask about alternative purchase programs such as a piano rental or a lease program. Make sure you are getting all the options listed above before entering into any agreement.

Electronic Locks

The first key operated lock was invented in ancient Egypt about 2000 B.C. it consisted of a large wooden bolt that was fastened to the outside of a gate. Pegs called pins were inserted into the holes and prevented it from being moved. A key raised the pins so the bolt could be moved thus opening the gate. Later locks were developed according to three basic principles – the warded principle, the lever principle and the pin-tumbler principle. The ancient Romans invented the warded principle. The key had to pas a series of wards (obstacles) in order to unlock the bolt.

Warded locks were the most commonly used until the mid-1800, and some are still used today. The lever principle was developed in the late 1700’s. Lever locks have one or, more levers in their mechanism. The lever must be raised to a specific height before the bolt can be removed. Only the correct key can raise the levers to precisely the height needed. The modern pin-tumbler lock was invented in 1865 by an American locksmith named Linus Yale, Jr. it was based on the principle similar to that of the ancient Egyptian lock. The pin-tumbler lock is one of the most secure key-operated locks ever invented. It was also was the first lock to be mass-produced.

Electronic locks are of three basic types. These are – card or key systems, electronic combination locks and biometric entry systems. Card/key systems are the most widely used electronic lock systems. A key card is a flat rectangular piece of plastic similar to in dimensions to a credit card or drivers license. There are several type of key cards. Some of these are holecards, barcodes and magnetic stripe. The holecard is not widely used now-a-days. The magnetic stripe cards are the most widely used key cards.

Electronic combination locks or keypads as they are more commonly known use an electromagnet mounted in the door and the bolt mounted in the wall. When the door is ‘locked’ the electromagnet is activated and it holds fast to the bolt, thus locking the door. These locks require a numerical combination (key) in order to unlock them. A drawback of this technology is that person intent on entry can easily determine the key by simply viewing a couple of successful entries or trying different combinations of the worn out keys. This can be overcome by improved keypad technology or by incorporating a biometric element into the sequence.

Biometrics is study of human characteristics like fingerprints, retinas, irises and voice for unique and distinct patterns for the purposes of authentification. Formally biometric systems were used only when a high security situation was involved. Mainly government bodies and large corporations used biometric technology due to the costs involved. As time has gone by, the technology has improved and become cheaper its applications have increased. Biometrics are now becoming increasingly common in corporate security systems and consumer electronics. For example laptops come equipped with fingerprint scanners and the traditional wall safes are equipped with a combination of keypad, fingerprint and voice locks.