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Social Security Number Fraud - Who Else is Using Your Social Security Number?
Social security number fraud is becoming more and more prevalent today. There are a myriad of schemes out there to convince you to give up your social security number. It is important that you are aware of these scams, and take precautions to protect yourself from becoming a victim of social security number fraud.There are many ways that a criminal can obtain your social security number. You should be very careful who you give your social security number to, as that and a few other pieces of information like your birth date and address are all that one looking to commit social security number fraud needs to steal your identity. Only a few organizations really need your number. Those are tax related organizations, your employer, your bank, and a select few others. Even your doctor's office cannot legally require you to provide your social security number.There are some things that you can do to prevent yourself from becoming a victim of social security number fraud. First, guard your number vigilantly. Do not give it out over the phone, to stores, or anyone else without a legitimate reason to know.Shred all of your personal documents like bank statements, utility bills, credit card statements, and credit card offers. Do not respond to emails asking for your personal information. This is a scam called phishing, in which the scam artist poses as a legitimate company and asks you to verify some information. Your bank or credit card company will never ask for this information via the Internet. You should also obtain a copy of your credit report several times a year. Check it for any signs of inconsistency. This can be very helpful in catching social security fraud early. Many victims do not know that their personal information has been compromised until their credit has been severely da

br> • How much total living sq/ft, also ask about garages, carports and outbuildings
• What are the current rents and lease agreements in force, month to month, annual
• Where exactly is it located and the physical address

What is your asking price?

• Is it listed with an agent yes/no, if yes when does the listing agreement expire • How long has it been on the market 1 day week month 2 3 4 5
• Have you had any offers (yes no)

If yes, how many at what price?
What where the terms?
Why did they fall through?
If no offers, then ask: why do you feel know one has made an offer?

Lie About Your Credentials, Kill Your Career
Excerpted from The Truth About Getting your Point Across...And Nothing But the Truth.Notre Dame football coach George O’Leary resigned five days after being hired, admitting he lied about his academic and athletic background. O'Leary claimed to have a master's degree in education and to have played college football for three years, but checks into his background showed it wasn't true.Veritas CFO Kenneth Lonchar was fired because he claimed he had a Masters of Business Administration from Stanford University. Further research showed that he did not hold an MBA from any school. Ironically, Veritas in Latin means “truth”.Joseph Ellis, a Pulitzer Prize-winning historian, was suspended for a year from Mount Holyoke College for lying about serving in the Vietnam War.Each of these examples, while high-profile and extreme, all fell from the same tree; people lying on their resumes to help influence an employer to hire them. Aside from the fact that each of the above cases resulted in job loss or suspension; they also all endured the humiliation of being publicly labeled as a liar. Not the best way to be remembered.Resumes by nature are meant to inform, impress, and inspire a potential employer and get the employer to want to talk to you. Most employers only spend about twenty seconds looking at each resume they receive, and worse, most employers view the information contained on resumes as a way to weed out applicants . Putting your best foot forward to present a concise, compelling case for why you should be hired is crucial to getting you invited to the party.Throughout my career I’ve interviewed hundreds of candidates for a wide variety of jobs. Many of the candidates that I’ve interviewed were upstanding, honest, and candid and went on to have successful careers at my company. Of t

Script is worth money! What does that mean? Scripts are basic outlines used initially to quickly evaluate a property’s potential to satisfy our investing guidelines & objectives.

You have to be fast and efficient to quickly determine whether a property and its owner(s) have the right elements needed to warrant your further investigation. The following initial question and answer list is what I will often tend to do in order to either make an offer and temporarily lock it down (option) or quickly eliminate it from my list.

Keep in mind this is not the end all, be all list of lists. This is just my quick gage guide to begin digging deeper. If these initial questions reveal favorable circumstances relating to solving someone’s problems for a profit I then take it to the next step!

One last note before we turn you loose, this script is just an outline for you to build on, it ultimately works best when motivated sellers call YOU! When they call you it puts you in the strongest position possible to be able to request the information outlined below!

Initial questions to ask sellers

In this report, I’ll skip the formalities of hi my name is, and yours is? Just remember you want to establish favorable relations from the start, so take a moment to use neural linguistic programming to your advantage in making the seller feel comfortable in all of your communications. NLP conveys respect, appreciation, concern and sincerity; it is used to establish mutual understanding, trust and repose regarding BOTH the positions and personalities of those parties to negotiation. Win/Win should be your motto.

Once you have established your NLP environment you can begin to ask the following questions of the seller without them feeling like your invading their space! What you are is a professional who may be able to help them solve their problem if it fits within your guidelines. Remember they must need you, more than you need them.

May I ask you why you are selling? Typical owner/seller replies may be: Live out of town, we are financially strapped, death, divorce, relocation, job loss, old, retiring, disabled, poor health, inherited property, frustrated landlord, under-market rents, high vacancies, seller needs cash, bought another home, partnership problems, other. Circle one and research the situation further. How long have you owned the property?

• 5-10 years or more, seller may have equity to give or carry some financing
• 20 years they may sell on contract with you assuming balance of old loan(s)
• Short periods of ownership lend to lease options w/right to buy, sub 2’s, short sales, contract for deed etc…
Do you own any other income property?
• What kind
• Where at
• How long
• Are or will any of those be for sale as well

Two reasons for asking the question above are, one; certainly to see if something else may be of interest and second to determine whether or not you are dealing with a savvy sophisticated seller. Do they appear to be in control? Yes or No (circle one). Remember! If your seller is not genuinely motivated, you’re wasting time.

Could you tell me a little about the property?

• Be quite and let them speak! Open ended questions reveal important information
• What year was it built
• How many units and what type 3/2, 2/2, 1/1, efficiencies, block, wood frame etc
• How much total living sq/ft, also ask about garages, carports and outbuildings
• What are the current rents and lease agreements in force, month to month, annual
• Where exactly is it located and the physical address

What is your asking price?

• Is it listed with an agent yes/no, if yes when does the listing agreement expire • How long has it been on the market 1 day week month 2 3 4 5
• Have you had any offers (yes no)

If yes, how many at what price?
What where the terms?
Why did they fall through?
If no offers, then ask: why do you feel know one has made an offer?

Moving And Relocating Tips
I know how stressful and chaotic moving and relocating can be. We moved from one part of Tucson to another in March of this year, and then in June we bought a home and relocated to Colorado. Here are some of the lessons we and others have learned.1. Make and use lists. We all forget things, even after remembering them several times. Put them on that list during one of these times. Make a list of things to do before the move, including getting school documents transferred, filling out change of address forms, returning borrowed books and movies, transferring prescriptions, getting maps, and arranging utility shut offs and start ups.2. Call the moving company and make the reservation a month ahead. You don't want to discover that they are booked up on the date you need them. We found out that the type of van we wanted wasn't available, but this was easily resolved because we started the process early.3. Sell and throw away things. Carefully consider what you need to keep. Many people spend hundreds of dollars to move things that will probably be thrown away some day. It isn't just about the expense either, but also about the hassle. When you are moving and especially when you are relocating to another city - this is the best time to get rid of the things you really don't need.4. Have a rummage sale. This is a good way to get rid of those things, and you might even raise enough money to pay for the move. Again, it is best to be rid of your things before the move. We went to a after-the-move rummage sale the other day. What a shame to pack and pay to move all those things just to have to work to sell them for pennies later.5. Start packing early. not only is it difficult to predict how long it will take until you are doing it, but you never know how much time you'll have later. Starting e

pt is just an outline for you to build on, it ultimately works best when motivated sellers call YOU! When they call you it puts you in the strongest position possible to be able to request the information outlined below!

Initial questions to ask sellers

Could you tell me a little about the property?

What is your asking price?

• Is it listed with an agent yes/no, if yes when does the listing agreement expire • How long has it been on the market 1 day week month 2 3 4 5
• Have you had any offers (yes no)

If yes, how many at what price?
What where the terms?
Why did they fall through?
If no offers, then ask: why do you feel know one has made an offer?

Descriptive Terms in Real Estate Ads - Yet More Definitions
If you are buying or selling a home, the chances are good you struggle with the meaning of descriptive real estate terms. Here are explanations and definitions for more terms.“Plantation Shutters”Refers to interior shutters with large, moveable louvers that can be used much like Venetian blinds. Often they’re used only on the bottom half of the window.“Palladian Window”A tall window that is rectangular except for an arched top and has wooden muntins separating the panes of glass. It is based on a revived classic style of architecture and the work of Andrea Palladio. Builders often use them as the window over the front door in homes with two story entrance foyers.“Pocket Doors”Doors that open by sliding into a slot in the wall much as a serving tray fits into a vertical slot built into a kitchen cabinet. It leaves wall space unaffected by opening and closing doors. I’ve seen them on bathrooms in modern houses. I’ve also seen them used in pairs that meet in the middle when closed as they were in older houses. Between a living room and dining room might be a good place. My grandmother had one between the front and back parlors in her home in Richmond, Virginia. Now that was a neat old house. It could always expand to accommodate one more family member or friend.“Fireplace,” “Wood Stove,” “Wood Stove Insert”A fireplace can burn wood, coal, or gas (natural or propane). If gas, it may or may not be vented to the outdoors. It is generally thought to be dangerous to have a non-vented gas fireplace in a bedroom and is against “code” in many areas. A wood stove burns wood, is free standing (on a non-flammable surface), and is vented to the outside. A wood stove insert is generally fitted into an existing fireplace designed to burn wood or coal. Preferences have to do with p

k the following questions of the seller without them feeling like your invading their space! What you are is a professional who may be able to help them solve their problem if it fits within your guidelines. Remember they must need you, more than you need them.

Could you tell me a little about the property?

What is your asking price?

• Is it listed with an agent yes/no, if yes when does the listing agreement expire • How long has it been on the market 1 day week month 2 3 4 5
• Have you had any offers (yes no)

If yes, how many at what price?
What where the terms?
Why did they fall through?
If no offers, then ask: why do you feel know one has made an offer?

Some Beneficial Features Of Unsecured Loans
Allowing access to both homeowners as well as tenants, unsecured loans provide short-term financial solution. It is a ready alternative to secured type of loans. Tenants find it especially favourable, as they are unable to offer collateral for taking a loan against it. Homeowners who have no intention to use their home as security take respite from financial constraints by taking out this type of loan. Mentioned below are a few highly handy benefits of unsecured loans.Risk free option of raising fundOffering a property as security to take out a loan becomes risky. You are left with the threat of losing it, in case you fail to pay off the loan. No such kind of risk is involved in unsecured loans, as they are not taken against any property. So, this type of loan is a risk-free option of raising necessary funds.Quick processing and less documentationUnsecured loans are preferred by many borrowers because they are processed quickly. There is no necessity to assess the property of the borrower, as he does not offer it as collateral. This absence of collateral makes some of the paperwork irrelevant. So, the processing of the loan gets over quickly.Favourable for urgent cash releaseAs mentioned above, the non-attachment of collateral speeds up the process of unsecured loan Since the processing is done rapidly, the borrower gets the money in his hand quickly. Thus, this loan caters to the need of urgent cash release.Debt obligation gets over quicklyUnsecured loans are basically short-term loans. This implies that the borrower is offered the loan for a shorter time-span. So, he gets the chance of coming out of his debt obligation quickly if he does

(s)
• Short periods of ownership lend to lease options w/right to buy, sub 2’s, short sales, contract for deed etc…
Do you own any other income property?
• What kind
• Where at
• How long
• Are or will any of those be for sale as well

Could you tell me a little about the property?

What is your asking price?

• Is it listed with an agent yes/no, if yes when does the listing agreement expire • How long has it been on the market 1 day week month 2 3 4 5
• Have you had any offers (yes no)

If yes, how many at what price?
What where the terms?
Why did they fall through?
If no offers, then ask: why do you feel know one has made an offer?

CBS VS Google
Viacom (CBS) is suing you tube (Google), for displaying clips of their shows like CSI and the Colbert report. I would like to know why. Being on you tube, wouldn’t you get more exposure, more fans, intern bringing more revenue. Won’t people get sick of the six minute clips and poor video quality and watch it on t.v. Viacom should think as you tube doing a service, like teaser trailers.It sounds like Redstone (ceo of Viacom) is trying to start something. There is the argument that they may lose veiwers. Some viewers don’t want to sit through the show or cant because their at work so they just watch it on you tube, or just to avoid commercials causing lost revenue. The marketing spreads the word and most likely expands the viewer-ship of the show, it should help more than it hurts. You tube is a necessity for low fan base shows or for marketing efforts. Surely CBS has figured it cause more loses. Notice they waited till google bought you tube.Lets hit a billion dollar company instead of a million dollar company, heck we could use the extra cash. This may not even be a suit to get of you tube it could be just for some extra cash in the bank. Whatever it is I believe that there are some sort of laws that will protect you tube and make sure that they cant be sewed. One thing is for sure google will fight to the end and most likely prevail.

What is your asking price?

• Is it listed with an agent yes/no, if yes when does the listing agreement expire • How long has it been on the market 1 day week month 2 3 4 5
• Have you had any offers (yes no)

If yes, how many at what price?
What where the terms?
Why did they fall through?
If no offers, then ask: why do you feel know one has made an offer?

Can you be flexible on price or terms? Ask: Do you mind if I ask you “what your plans are for the proceeds from this sale?” (Don’t stop) The reason I ask is that your answers will help us create an offer that will satisfy both our needs. Using the information sellers give you to the questions above can open up the door to your creative problem solving vault, get the information and move on, don’t try to solve the problem at this time!

Is this deal worth pursuing? If yes then set an appointment to see it as soon as possible! If no, beat self over head for not writing better ads! (Just kidding) :~)

Initial inspection upon first meeting

Your first visit to the property will be a general inspection only, don’t nitpick or ask for detailed information at this meeting! NOTE: With effort it should take you no longer than six months to begin to be able to assess property values in your farm area very quickly.

Give yourself time to get to and drive around the surrounding neighborhoods of the subject property before your scheduled appointment time, start by driving by the property first to ensure you don’t waste time in those areas if the property itself once seen has obviously been misrepresented over the phone or other conditions rule it out.

If the property is still a go then do your neighborhood inspection on wheels until your appointed time arrives, have pad and pencil and be looking for other homes, realtor signs, FSBO signs and so forth, make good use of your time and put on your real estate detective hat!

Your initial inspection begins the minute you pull into the drive, is it asphalt, concrete or dirt! Can you pave it, reseal it or pressure-wash it? Is there adequate parking, will it be well lit at night! Was the address easy to find, where the mailbox is, look at the roof, the porches, gutters and downspouts (does it have them?) If not has runoff created foundation problems? Look at the neighbors building is it well kept or not? You haven’t even got out of your car yet and these things have been recorded subconsciously once you’ve trained yourself to look!

This is what I mean by initial inspection; spend a minute walking around the outside of the house with the seller when you arrive. Here again this let’s you get comfortable with each other and you can work the NLP angle to establish trust before going inside. On your casual walk you’ll be looking for separate meters for multi’s, condition of paint, siding, mortar, wood, windows, soffits, doors, skirting, overgrown trees, broken down, rotted or rusted fencing, outbuildings and so forth, if your good you’ll notice signs of pets, soggy septic fields, buried tanks, infestation, hazardous materials, encroachments and possible zoning violations, let’s say your comfortable with the initial walk around.

On second thought, did you take notice where trash is stored? Where there any rats, ants, wasps, mice, termites, or other critters taking up residence? Evidence of water leaks or damage, are lines and fittings secured and sealed properly for wsg, electric, gas/oil, cable, phone and A/C unit. (Just when you thought you knew it all)

Now you ask to go in, are porches and decks sturdy, handrails to code? Is there a storm door with screens, look down to check the doorframe, threshold and casing, has the lockset been kicked in or jimmied, are there bars on the windows in back, is there evidence of high crime in the area?

Let’s go inside, after all we have already spent 15 minutes just walking around outside.

We’re going in general Joe! (Homeowner) O.k. You now get the idea of

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You may not believe it, but people still judge things by their appearances. How does your website look? The appearance of your web site text can actually increase or decrease your sales. Below are web advertising ten points to consider when designing your web site.

The questions comes up frequently - Is it really possible to become a million dollars just using the Internet. Well, not only is is possible, it happens everyday. In fact, the Internet is responsible for helping to create some of the world's wealthiest people.

Health insurance is one of the most important kinds of insurance you should consider getting. Why? Because if you ever have unexpected medical bills, or you ever get injured or sick, who’s going to pay for the medical costs? Some people think it will never have to them, and don’t get health insurance. Although you may be saving some money by doing this, you’re taking a big risk. This is why health insurance is so important in this modern world. Even if you are on a low income, there isn’t really an excuse for not having some health insurance. Some of the most affordable and popular forms of health insurance available today are available from the government. These kinds of health insurance plans can be much cheaper than a private plan.

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