Have you fallen for fraud before? Well, if you have done it and you have gotten angry with yourself; you may need to stop because it happens to everyone. By reading this article, you will discover the channels through which scammers do their thing. Read carefully and stay alert!

• The alternative you channel
If you’re greedy and always find ways to make money, you might want to hear this: People who are always looking for unusual or alternative ways to make money are often the conduit and victims of fraud; scammers are always looking for people like you to take advantage of. Look at your alternative and warn him to stay calm and alert.

• The Channel of Opportunities for All Men
Beware of individuals, groups, or companies advertising a vacancy or opportunity to everyone on the street: full time, part time, high school graduates, retirees, contract staff, experienced or inexperienced, etc. The question to ask here is “How far can they sustain or satisfy everyone’s hope?” I leave you with that question!

• The great deals channel
This offer comes with a convenient package. Here you will be offered the right to purchase a particular property or product from another to gain access to a larger asset. Alternatively, you may be promised a huge income if you buy an additional product to the one you bought before. The most important thing is that you have to pay for some products before you can take advantage of the offer.

• The 100% targeted success channel
Be smart to spot trading opportunities that seem too real and too hard to miss, targets and estimated success is 100%; everything in it looks too perfect, promising and too favorable, there are no signs of regret or loss if you join, all they preach is “Profit”. Such businesses are fraudulent.

• The channel Only you offer
Be on the lookout for personal sales or offers that may come to you as the sole beneficiary. When they have a product to sell or an offer to make, they’ll bring it to you as the only one in town who owns or qualifies for it. Now think of it this way, who are you for someone to produce something good and choose you to give it away as the only qualified beneficiary? It goes against human nature, and it is also fraudulent. If you find yourself in such a situation, my advice is to wait a while, if the product is good after a while it will spread and then you can go for it.

• The Channel of Non-Refundable Fees
Think about it, why would a company or person put a big non-refundable fee tag on a product that is worth buying? If a product is solid and legitimate and worth buying, then there should be no need to put such labels on, because such products are meant to have a warranty or insurance covering them, so it shouldn’t be a big deal for the company. company treat them. when a customer demands their money back for a substandard product. This will only be a problem for them if the products are of inferior quality or were smuggled into the country.

• The Online Business Channel
The Internet scam has gone far beyond expectations. It has become an everyday thing; people daily lose their money and other valuables in internet business. Be on the lookout for emails or websites that will require you to submit your credit card number or pin, employment letter for jobs you did not apply for, congratulatory messages for contract awards or jobs you or your company never applied for, lottery or scholarship never filled out their forms and so on. They can be very tempting, especially when looking at packages, but you must be careful and smart not to trade unless you are sure of their origin.

• Caller and messaging channel
This is mainly done by hackers. They will hack into your local network company’s system or information database and alter some settings; with this they can call or send fraudulent messages to your cell phone, usually such messages will require you to send your data or security pin numbers to a certain custom number for verification and others. Be smart to spot this, call your local network’s customer service line to check for any messages or calls you didn’t understand or expect.

For seventy years, Dale Carnegie How to win friends and influence people has influenced people around the world by teaching people skills that not only win over others, but lead to personal financial success. This book is as useful today as it was when it was first published. Carnegie teaches skills through the underlying principles of dealing with people to make them feel appreciated and important; therefore, he can make someone do what he wants them to do by learning to see the situation in his eyes. This newly revised and updated edition teaches the ways to win people over, to change people without making them feel like you, and to make people like you. It is valuable reading for anyone who wants to make a claim in the business world.

The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham provides essential information on the value of investing your money. Graham’s world-famous “value investing” philosophy protects investors from material mistakes and teaches them how to develop long-term strategies. Since its publication sixty years ago, The Intelligent Investor has become a stock market bible. This updated version incorporates financial commentary from journalist Jason Zweig, who discusses the realities of today’s market and applies it to Graham’s philosophy. This is an essential book that will help you reach his financial goals.

Diana B. Henrique uncovers the shocking story of Bernie Madoff and his $65 billion Ponzi scheme in the magician lies. Ever since news spread around the world of the revered New York financier who swindled his friends, family and many investors out of a large sum of money, millions of people have been fascinated by Bernie Madoff. No reporter so far has been able to get the full story. Drawing on over a hundred interviews, some with Madoff himself, Henrique explores vivid details of the government investigations and lawsuits surrounding the myths surrounding the Madoff scheme. This true story and financial thriller is the most comprehensive account to date of Madoff’s rise on Wall Street and his downward spiral toward self-destruction.

Bottom Line: Uncommon Sense for the Thoughtful Investor by Howard Marks, President of Oaktree Capital Management, provides insights into market opportunities and risks. He has been sought after by investors around the world and now, for the first time, his valuable investment philosophies can benefit readers like you. This book explains the keys to successful investing and warns against pitfalls that can destroy a career. Marks honestly shares his own experiences and occasional mistakes to provide essential lessons in critical thinking, risk assessment, and investment strategy.

Millions of Americans have turned to Suze Orman for financial advice. In The Money Class: Learn How to Create Your New American Dream, Orman advises readers to seriously reconsider the American dream: its promises, its need for revision, and how it fits into our lives in such a way that a successful future is within our grasp. This book provides important lessons on personal finance while addressing issues such as home, family, career, and retirement. She advises readers to be realistic and honest about their lives and to gain confidence that what they have worked for cannot be taken away from them.

Some houses or multi-family properties in real estate may appear unbankable. This could be for any number of reasons, including potential buyers or title issues with the properties. Unfortunately, these problems seem to occur after an investor purchases a property and is then unable to sell it.

Let’s take a look at the common reasons properties can’t be financed and what can be done. Probably the most common problem is that a property’s appraisal is not sufficient to cover the costs and expenses of a rehabilitation. The investor often only discovers this after they have completed the rehab and have a ready and willing buyer who has to take out a conventional bank loan to buy it.

Similarly, the appraisal may come, but the buyer cannot obtain financing due to more stringent lender requirements such as credit scores, time on the job, recent history of foreclosure or bankruptcy, to name a few. It may not be as simple as moving on to another buyer or simply getting another appraisal, especially if the FHA turned this buyer down in the first place because the investor’s property is “tainted” appraisally in the FHA system for at least a year. least six months. months.

The easiest solution to credit and appraisal problems is to get private lenders or portfolio lenders to finance the sale. Private lenders are people who are willing to lend money that they would normally have in a bank at a couple of percent interest. The investor must offer this person a 10% interest-only loan secured by a first mortgage on a property with a two- or three-year balloon note. This private lender could also receive 2% to 5% loan closing points and have a prepayment penalty of three months of interest.

The following is an example of what the private lender would get with a $100,000 mortgage: The buyer should be able to pay 20% of the purchase price to secure the mortgage in the event of a market downturn. Many of today’s homebuyers have large deposits because they went through foreclosure and have not paid their mortgage payments for extended periods of time. 10% interest on $100,000 = $833.33 per month vs. perhaps $83.33 at a local bank at 1% interest on a savings account.

At closing, the lender would get cash from $3,000 to $5,000 as closing points. If the homeowner refinanced during the term of the loan and paid the prepayment penalty, the private lender would receive an additional $833.33 x 3 months prepayment penalty = $2,500.

The appraisal must be performed by a licensed appraiser and a title policy and insurance must be provided to the private lender. An attorney must draft all mortgage documents and do the actual closing to protect the investor/seller and the lender.

Using a private lender allows a buyer with bad credit to purchase a home. It also allows the seller not to have to depend on the whims of a local or national bank that may be afraid to lend money in that neighborhood or at that time in the market. The investor should also contact portfolio lenders in their area to see if their buyer(s) qualify. Portfolio lenders are smaller private lenders that do not have the strict lending requirements of national lenders. The most notable are credit unions.

Another major cause of being unable to finance is due to a title issue and a buyer’s inability to obtain a conventional loan on the property. If necessary, the investor may have to do what is called a “silent title action” to do what the courts call silencing any claims. This can take anywhere from a few months to a few years, but it is well worth the effort to be able to sell a property at full market value and obtain conventional financing at that time.

In short, no matter how impossible it may seem for a property buyer to obtain financing, there are several ways to do it, some of which have been mentioned in this article. Searching for properties with faulty titles is a great way for investors to get great deals – you just need patience and fortitude.

This housing selection checklist is a tool to help you select housing that is right for you and your family. Before you select a home and get a mortgage, you need to know if you’ll be happy with the home you select for years to come. Home selection is an important step in your life, and using a smart home selection checklist will help you think through all the things you need to know about a home before you buy it. Take a checklist to each household you can select and write down all important household selection points on the checklist. Use the checklist for each potential home selection and you’ll have a “fact book” to review and analyze before your final home selection.

These important factors in home selection are designed to help you create your own checklist.
You can then search for homes for sale and make a checklist of how each home compares to other homes you’ve selected to view. By the time you’re ready to get a mortgage, you’ll know exactly the pros and cons of each home from the selection checklist.

1. How old is the structure? Older houses require more maintenance. Mortgages on older homes can be more difficult to obtain. Mortgage insurance and homeowner protection required by the mortgage company you select may be more expensive for the home. Make a note on the selection checklist of any items that need repair if you select that home.
2. How many floors is the house? If you or a member of your family is getting older, or if you expect to live in the home you’ve chosen for years to come, stairs can be a major problem. If you’re young and won’t be living in this home selection for years, this shouldn’t be a problem. Put this on your selection checklist if it is a concern for you and your family. Make a note on your household checklist of any screening items that might make family visits difficult. It would be a huge inconvenience, to say the least, if your family can’t visit you due to stairs or hills.
3. What material is the construction of the house? Homes built with concrete blocks and slabs pose less of a fire threat and this will reflect on your home insurance and maybe even mortgage rates. Put the type of building you prefer on your home selection checklist.
4. Kitchen area: How big will a kitchen fit your lifestyle? Is the refrigerator old or brand new? Is the stove in good condition? Do you prefer to cook with a gas or electric stove? Do you want a garbage disposal? Determine exactly what is important in a kitchen and put those selections on your checklist. Then rate each property you might select as to how many of the checklist features are included. Of course, some selection checklist features are quite easy to add; other characteristics of the selection checklist cannot be changed.
5. Living Rooms: Is a formal living room and family room an important selection on your personal selection checklist? List each need on the housing selection checklist. Are there windows for plants, if you are a plant lover? Is the possible home selection carpet in good condition? Think about these elements before signing a mortgage! Write down any likely expenses on your household checklist to review later. Use them in your mortgage budget
6. Laundry Facilities: Does your home selection have laundry hookups that won’t require you to walk up and down stairs to get clothes from bedrooms to the washing machine? Are the connections in good condition? Note on the selection checklist. Put on your selection checklist any items you would select to replace when you move into the house. Write on the checklist the anticipated cost of replacing the items you select as unacceptable. Remember to budget so you can pay the mortgage and remodel the house after you buy it.
7. Bedrooms: Is your family formed or do you plan to have more children? Are there enough rooms to allow guests? Is the master bedroom in the house selection big enough? Getting a mortgage on a house that is too small can be a big mistake. Put exactly the size of home you need to select on your selection checklist.
8. Closets: Will there be enough closet space for your family’s clothes? Put on your checklist how many cabinets you need.
9. Restrooms: Will there be enough facilities in your home selection to allow everyone room for their personal items and plenty of time to use the facilities? Large families require multiple bathrooms; Be sure to put this on your home selection checklist! A selection that needs to add bathrooms plus mortgage payments can be expensive. Consider this in your mortgage budget.
10. Roofing: Look at materials and condition. If it looks like your roof will need repair soon, factor this major cost into your mortgage price. Roofing is very expensive. Research the cost of replacing a roof before making an offer. Please note these costs on the house checklist. Will your budget cover mortgage and roofing expenses?
11. Water Heater: Look at the water heater and determine the condition. Look for places that may have leaked and any resulting damage. Also, is the water heater gas or electric in the household selection? More notes for your household checklist.
12. Air Conditioning/Heating: Do these units in the home selection look old or new? Are they energy efficient? If you take out a mortgage on a home only to find out that all your heating or HVAC needs to be replaced, it could cause you financial stress. Make a checklist of the estimated age of each appliance and piece of equipment in the prospective home selection. Include expense checklist notes to replace old items. Put in your home mortgage screening notes that you may want a home inspection or warranty if the equipment looks older; Selecting your checklist can prevent you from making a major mortgage mistake!
13. Cost of utilities: Don’t be afraid to ask homeowners to see electric, gas and water bills. If their home selection is well insulated and energy efficient, they will be happy to show it to you. Energy costs are important items on your home selection checklist.
14. Neighborhood: Do you want to be in a gated community? Is there a children’s play area near the house? What about the schools? Is the neighborhood surrounding the home selection clean and attractive? Take a walk around the neighborhood; view other homes to learn about the area before making your home mortgage selection. Safe neighborhoods help not only make mortgage approval easier, but insurance as well. Include this item in your home selection list.
15. Patio – If you have children or pets, you may want a large patio. If you are a gardener, it is important to have a beautiful garden. Again, make a checklist of everything that really matters in selecting your ideal home.
16. Parking: Is there room for your vehicles and guests? There is a garage? garage? Is the driveway in good condition? Include what matters to you on your home selection checklist. Again, if these require repair, put these notes on the checklist so you can budget accordingly.
17. Future expansion: If you want to expand the house in the future, is there space on the property without being overcrowded? Consider the future before mortgaging a home that you may have to sell later as your family’s needs grow.
18. Zoning and Restrictions – If you have a home business, is it allowed in the potential neighborhood? Selecting a house that impedes the activities you value would be a serious mistake. Some communities have restrictions regarding working on your car or motorcycle, parking a boat, and other things you need to know before making your final housing selection. Keep this item on your selection checklist if you work on your car or have a boat next to the house.
19. Work: Is the house of your choice close to where you work? If not, is it easy to access the highway for an easy commute from home? Will you ever hate the idea of ​​going to work from this location? Write down the miles you will drive per day and the cost on the selection checklist for your household.
20. Shopping: Supermarkets and convenience stores, gas stations and the like should be very close to your home selection. Write down on your selection checklist how far from your home the nearest shopping malls are. Checklist where you would go from home to shop.
21. Sidewalks – This item on the home selection checklist is important for families with children. If there are no sidewalks, then children will not be able to easily walk to visit friends, ride their bikes, or do other activities that children love to do. Also, checklist if you like to go for walks or walk for exercise.
22. Amusements, Churches, Activities – If you have activities you like to do, consider driving time from home selection. Will your kids’ visits to the movies on Saturday turn into a long drive? Are there at least a few doctors near the prospective home? The diversions your family enjoys should be reasonably easy to get to.
23. Neighborhood lighting: If you like to go out at night or if your children are going to play outside, is the area well lit? Not only are these selection criteria important to your children, but burglars just hate a well-lit home and neighborhood. Make a list of some security issues you need before considering a mortgage.
24. Traffic: If you have children, your new neighborhood should be low in traffic. Also, traffic equals noise. Consider this important fact as well. A house on a freeway has frustrated many.

The items in this home selection checklist are intended to help you think through the checklist of important home selection options before you obtain a mortgage on a home. Create a personalized home selection checklist that includes the things that are important to YOU ​​and YOUR FAMILY, then take it with you when you buy your home. With a checklist
in hand, you can make the selection that will make you happy for years and years!

During the first semester of my final year in college, I had the opportunity to travel abroad. It was one of the best decisions of my life and I learned a lot while I was away. I studied in the country of Cyprus, which is an island in the Mediterranean near Turkey and Greece. The county is full of Greek culture, beautiful beaches and sunshine. During my travel search, I found it very difficult to find cheap flights and airlines. Unfortunately, finding airline tickets was a task I had to do on my own. The plane was the only way to get to the country and I need to find a round trip flight that fits my budget. Finding cheap flights to a foreign country was extremely difficult for me, especially since I had never done it before. All I needed was a helping hand behind a user-friendly internet platform to guide me through the entire process. I was hoping for a service that could find me the best available flight and transportation. My hope is to create a travel service that arranges the cheapest airfare and provides all the necessary information about a customer’s travel plans.

When I visit other countries, or even states, I am sure that many have questions about the culture, points of interest, food, location or transportation, as I did when I was in Cyprus. An online travel agency could be an efficient way to get your questions answered without having to meet with an agent. For those with extra vacation days, this travel service can start your search with notifications about upcoming deals and set up a personalized trip. I believe that my travel service can benefit many people who seek to see the world.

After doing a series of blog posts about studying abroad, I went to take a second look at my previous post about studying abroad. Posting about travel has reminded me of some of the beautiful places I have been to other than Cyprus. I may have studied in Cyprus, but I have also traveled to Greece, Poland, England, Romania, Belgium and Austria. Greece, being the first trip out of Cyprus, was not what I expected the country to be. My friends and I stayed at an Airbnb in Athens. It was within walking distance of the Parthenon. Getting off the train, I could tell that the country’s economy was struggling as I read before entering the country. The drive to our accommodation was filled with interesting, yet welcoming, groups of people. Our room was beautiful. It incorporated a fantastic view of some of the most famous attractions in Athens.

On the second day we walked to the Parthenon and visited the Acropolis Museum, where I learned that the area was dedicated to worshiping the goddess Athena. The structures and figures were incredible to see. The rest of my trip was filled with traditional Greek dishes, music, dance, and architecture. After flipping through the countless photos I have from my studies abroad, I felt the need to at least prompt you to talk about my trip to Greece. I hope to build on my initial Study Abroad post and detail the ability to travel independently while studying abroad.

Many people today opt for the ‘sale by owner’ method and learn how to sell their home privately to save thousands of dollars in realtor commissions. Being a ‘for sale by owner’ seller can give you the certainty of saving up to 3% on agent commission and the potential to save 6% if the buyer is not being represented by a real estate agent. But if the buyer is represented by a real estate agent, you will have to pay half of the commission. So, even if you are a ‘for sale by owner’ seller who has complete knowledge on how to sell your home privately, you are likely to come across a buyer’s real estate agent.

Most sellers benefit from having their agents access Multiple Listing Services (MLS). Fortunately, we at Minus The Agent provide you with real estate services that can help you sell your property effectively without paying thousands of dollars in real estate agent fees. Minus The Agent puts you directly in contact with genuine buyers or renters so you can successfully sell or rent without the need for an agent. By listing your property on high profile and visibility websites, domain.com.au, realestate.com.au, etc., Minus The Agent gets your property on the market in front of thousands of potential buyers. Minus The Agent also provides end-to-end support with no helpful marketing tools for sellers to have a smooth home sales process every time.

Show like a professional agent
As a ‘for sale by owner’ seller who has learned how to sell your home privately, you must act like a professional real estate agent while showing the property to potential buyers and their agents. Preparing the house, preparing it for sale and getting it ready for sale are the basic requirements on your part. But as a FSBO seller, he has to be at his best as he shows his home to the potential buyer and his agent.

Make sure you have the knowledge and understanding of your property’s structure, plumbing, electrical, safety and security systems, and HVAC systems so that when potential buyers or your agent ask you a question, you have the right answer. . Be sure to mention any necessary details about the home to visitors, such as new carpet, fresh paint, or any other major construction or repairs that have recently taken place.

Trade like a professional agent
In order to sell your house and make a lot of money, you need to be objective. Yes, it is your home and you have your memories in that house, but at the end of the day, it is a financial asset. So, negotiate the price of the deal as much as you can, but don’t push it too hard to scare the buyer off. Also, there are other things you can negotiate beyond price. This includes appliances, closing date, and closing costs.

Be sure to carefully read the purchase agreement written by the buyer’s agent. Although it is an additional expense, hiring an attorney who can help you with the legal work can do wonders for you. Unless you have significant experience selling a home, having a real estate attorney by your side will give you the peace of mind you’ll need during the process. The attorney will not only help you review contracts, evaluate complex mortgages or leases, and complex offers, but will also tell you what you are required by law to disclose to potential buyers and help you formulate a disclosure agreement.

Close like a professional agent
The best way to prepare for closing costs is to talk to a lender about costs before you even start looking for a home to buy. This is known as mortgage pre-approval and can help you understand the various closing costs associated with the deal so you can plan your funds accordingly. Closing costs are often higher than most buyers initially assume. It is also recommended to budget for the down payment in addition to the closing costs. The home buying process is quite lengthy, giving you plenty of time to organize closing cost funds, but make sure you’re prepared to pay them off before you make an offer on the home you want to buy.

The BPO business is an exciting niche in the foreclosure industry today. Whether you’re a seasoned real estate agent or new to the business, real estate agents often spend several hours each week creating Comparative Market Analysis (CMA) for potential clients in hopes of getting a listing or convincing a buyer to do so. an offer. In the end, every agent hopes that their CMA will result in a nice paycheck; but this is not always the case. However, when you complete a BPO, you are sure that the report you spend an hour or two completing will generate some additional income for that month.

So what stands between you and that paycheck when you complete a BPO? Aside from the obvious need to photograph the property and fill out the report, there is a department in every BPO company that handles quality control. If you can’t get past this department, then you will not only delay how quickly you get paid, but it will determine if you will receive any additional BPO’s from that company. Plus, if your orders are delivered on time and without errors, your chances of selling that property when foreclosed increase because the banks know you’re a trustworthy real estate agent.

After completing over 2,000 BPOs in the last 18 months, I would like to share with you 10 Secrets to Completing Your BPO Reports Like a Pro:

1. Immediately upon acceptance of a BPO order, read the confirmation email and note the DATE and TIME the order is due. Please note the time zone of the expiration time as it may be different than your current time zone. Not paying attention to this can make the difference between a report that is delivered on time and one that is delivered late.

2. Please note whether the order is an outside or inside BPO. If it is an interior, please look for the information of the point of contact (POC) to access the property as soon as possible. Also note which photos are required. There is nothing worse than forgetting to take the right photos. It is better to take too many photos than not enough.

3. Most BPO companies have a website that you log in to complete the report. Be sure to log on to that company’s website and read the full details of that report which will include the guidelines for that report. This will save you a lot of trouble in your property analysis and when looking for comparables.

4. Get the tax record and/or call the county assessor’s office to get as much information about the property as you can. Note the property’s parcel number, market and land appraisal values, whether the property is residential or commercial, current property taxes for the entire year, whether there are any delinquent taxes, and what year it was done the last appraisal. Property taxes will be provided by the Treasury Department.

5. If you don’t have access to the inside information of a property, call the BPO company and ask if they have a prior appraisal on file. Also, if you’re having trouble finding comparables, call the BPO company’s quality control department and ask for guidance. They can usually help you properly expand your search criteria to find additional comparables and will make notes in the system that will prevent your request from being rejected. When all else fails, find the best available comparables and provide full details in the report on which criteria you expanded and why.

6. During the completion of some reports, you will be asked to make adjustments to comparables. This process can be tedious and time consuming if you don’t know how to do it. My best suggestion is to look at your market and determine how different attributes such as square footage, number of bedrooms, number of bathrooms, age, and lot size vary in terms of added benefit to a property. From here you can create a system where you can adjust the differences between the property in question and the comparables you have chosen. Remember, you only make the adjustment to the comparable with respect to the property in question only, not between each comparable. This process acts to put all comparables on a level playing field when appraising them against the property in question, so that a broader picture of the subject’s fair market value can be assessed.

7. When selecting comparables, make sure the interior square footage of the comparables is in parentheses with that of the subject property. For example, if the subject is 1,000 square feet above ground, the comparables could be 800 square feet, 950 square feet, and 1,100 square feet. These comparables would bracket the topic because 1,000 square feet is between 800 square feet and 1,100 square feet. Additionally, all square footage is measured in terms of gross deliverable area (GLA) and includes only square footage above grade (ground level). Basements are not part of a property’s GLA because they are below ground level.

8. The final value of the subject property must be in parentheses between the lowest and highest SOLD comparable. For example, the ending value is $100,000 and the comparables sold have values ​​of $91,000, $98,000, and $103,000. As a result, $100,000 correctly falls between $91,000 and $103,000. Your comparable assets do not have to put the ending value in parentheses. In most markets, active comparables are priced above final sale value, unless the market is falling significantly each month.

9. Your final value must also be within the range of the values ​​sold in the subject’s neighborhood during the last 12 months. This is usually what is requested when a report looks for ‘neighbor values’. For example, the final value is $100,000 and your lowest selling home in your subject’s neighborhood is $55,000 and highest is $165,000. The final value of $100,000 would be correctly bracketed within the range of values ​​for the neighborhood in question.

10. Be sure to proofread the entire report for spelling and grammatical errors before submitting. You will also see that many BPO companies have a quality control checker or validation tool that looks for errors in the report. This only checks that your numbers are within acceptable guidelines and will not check for spelling or grammatical errors. If you come across quality control errors, then it is vital that you thoroughly review them and write explanations as to why you had to exceed the guidelines provided by the BPO company in each and every aspect that is mentioned. The more information you provide, the less likely the QA department will flag and return the report.

There are many variables that need to be considered during the BPO completion process. Hopefully, these secrets I’ve shared with you will help you complete your BPO faster and prevent you from spending more time answering questions from your BPO company’s QA departments.

Cyprus is an attractive location for property investment for many reasons. On the one hand, the considerable statutory tax schemes, reliable legal framework and easy bureaucratic procedures motivate entrepreneurs to invest in real estate in the Republic of Cyprus. On the other hand, the warm climate and quality of life attract individuals, pensioners and families looking for a vacation home or a new work environment, to buy real estate on the island.

I would like to underline that Cyprus has a well-developed legal system that regulates the purchase of real estate and is harmonized with European legislation. All matters related to real estate are regulated through a set of laws, often modified based on social and economic conditions.

The Real Estate Law, Cap. 224 regulates all matters related to the holding, registration and valuation of real estate following the principles of the Cyprus Land Registry, in which real estate is defined, recognized and valued.

In this article, I will point out the main aspects that you need to consider in case you are planning to buy or sell real estate in Cyprus. The Constitution of Cyprus safeguards the protection of property for everyone, regardless of their nationality. That is, Cypriots and foreigners have the same rights related to the ownership of their property without any interference from the government or any other person.

ACQUISITION OF REAL ESTATE IN CYPRUS

As mentioned, Cypriot and non-Cypriot citizens, permanent residents of the Republic of Cyprus have the right to acquire any property without restrictions. Residential status is accredited by district offices. A person is considered to be a permanent resident of the Republic of Cyprus if they reside on the island for at least 185 days a year. At this point, it should be noted that foreigners and EU citizens who are not permanent residents of the Republic of Cyprus and wish to acquire real estate in the Republic of Cyprus are required to follow specific procedures. However, foreign buyers should also be aware of some restrictions.

At this point it should be clarified that non-Cypriot citizens who live or work on the island for many years will be able to purchase a second home in the Republic of Cyprus. Once foreign buyers obtain the necessary permission and the property has been registered in the buyer’s name, there are no further restrictions. Therefore, the foreign buyer is the owner of the property located in the Republic and can sell it or dispose of it at will. I would like to emphasize that the heirs of the foreign owner are not required to obtain a permit from the Council of Ministers to proceed with the transfer of the property in his name.

SALE OF REAL ESTATE IN CYPRUS

The Sale of Real Estate (Specific Execution) Act, 2011, (No. 81(I)/2011), provides the necessary protection to buyers regarding the purchase of real estate in Cyprus. Specifically, the provisions of this particular regulation prevent the promoter from transferring the property to another place or charging it for the duration and legal effects of the contract. In case the seller does not transfer the property to the buyer, the buyer can file a lawsuit in court.

TRANSFER FEES:

• If the value of the property is less than 85,430 euros, the transfer fee is 3%.
• If the value of the property is between 85,431 and 170,860 euros, the transfer fee is 5%.
• If the value of the property is greater than 170,861 euros, the transfer fee is 8%.

The current model responsible for governing family law courts is extremely outdated and archaic. It abides by a 1950s chauvinistic view of marriage and parenthood. Men are expected to be robotic and emotional, while women are expected to take care of the home and children. The women now work. The economy is in shambles, while even those without the burden of child support or alimony are forced to work two jobs to stay afloat. Below, I have proposed 10 ways to dramatically improve fairness in family law courts that are more reflective of our modern culture and current realities in our economy.

1. Eliminate the assumptions: When a man and a woman walk into a courtroom, the assumption is that the women are already the custodial parents who deserve child support. The courts must assume that both parents share their rights equally. There should be a presumption of 50/50 joint custody with no mandate for child support payments.

2. Repeal Title IV-D of the Social Security Act: This law establishes that the Federal Government will deliver $2 to the State government for every $1 it collects in Child Support payments. This creates an automatic incentive for the courts to set high child support measures. The additional money given to states does not benefit children either, but goes into “kickback” funds. There is no basis for the state to receive profit in these cases. Creates a conflict of interest.

3. Limit the power of the Child Support Enforcement Agency: CSEA administrators should NOT act as judges. They should NOT issue or calculate child support orders. They have no authority to listen to special circumstances, forgive debts, or deviate from normal guidelines. It’s costing taxpayers more than $3 billion a year to staff and maintain these agencies that probably shouldn’t exist in the first place or at least be drastically reduced.

4. Provide equal representation: Under the constitution, in criminal law, defendants have a right to representation even if they cannot afford an attorney. In child support cases, the state is a for-profit party with vested interests. Petitioners are supported by the Child Support Enforcement Agency with incentives that are paid to the state through Title IV, Section D award payments. While child support cases are technically considered “civil cases,” the repercussions and the complexity of family law are very serious; not to mention that a child is involved. If the courts truly believe in the best interests of the child, they will seek to adequately represent and protect both parents. Parents who feel protected and considerate are much more likely to accept their duties if they don’t feel so scared and alienated from the process. That’s why I think both parents should have court-appointed attorneys to give everyone the best deal. Happy parents = happy children.

5. Develop Noncustodial Parenting: Based on my research, parents who earn less than the national average ($42K) per year, are considered to be at “high risk” of falling behind. Parents or (NCP) earning less than $42,000 per year should have the option to complete work programs in lieu of sanctions. If the courts can offer programs that will help the paying parent reach that $42K per year benchmark, they will become “low risk” of defaulting.

6. Eliminate Crippling Penalties: Courts can garnish your wages, garnish your bank accounts, liquidate your property, do whatever they want to recover owed child support payments. However, do not suspend a person’s driver’s license or put them in jail. By doing either, you severely limit that person’s ability to earn an income. They get trapped in a cycle of jail, debt accumulation and a destroyed resume. No one wants to hire someone who has a record. And if you live in a city that has poor public transportation, getting to and from work can become extremely onerous, limiting job opportunities. Debtors’ prisons were banned for a reason. Turning someone’s child into a source of someone’s imprisonment is a crime in itself. The government leaves alone a married man who does not support his child; however, a single man is subject to discrimination. Find out why the parent cannot comply with the order and, in the “best interest of the child,” make it easier for the parent to comply with the order!

7. Let Both Parents Opt Out: Women can legally murder their children through abortion, and thanks to “Safe Haven Laws,” they can also leave their children at fire stations or police departments without asking questions. A woman who makes the decision that she is not emotionally or financially ready to be a mother has the option of choosing parenthood. Men are told to suck it up or face jail. The parameters found in states that allow abortion should also apply to men. To a certain extent, determined by law, a man should be able to dissolve his desire to be a father just like a woman. Many will argue that it will create more welfare dependent mothers, however there are many things we need to consider. The federal government can spend $1 trillion on unconstitutional wars in Iraq and Afghanistan, but complain about welfare spending that takes up less than 5% of the federal budget? Also, who says the government has to distribute food stamps in the first place? If the federal government can afford to give states $2 for every $1 they collect in child support, then they can afford to feed and house poor people. The Federal Reserve printed billions to bail out corporations, why not bail out people?

8. Maximum Amounts and Expenses – It is outrageous that a custodial parent can claim $10,000 per month just for getting pregnant FROM a rich person, maybe even getting YOUR house too! With the magic of “no-fault divorces,” someone can literally get pregnant by a rich man, divorce him for no reason, and keep half of his estate for the next 18 years. The limits should be developed based on the cost of living in the state, so that divorces are not incentives for those looking for a quick lottery ticket. In addition, the paying parent needs to have tools available to hold the custodial parent accountable for how their money is spent. Custodial parents should be given prepaid cards that are traceable. Housing, food, child care, school supplies, medical expenses, clothing,… these things would be acceptable charges. However, if the custodial parent used the card to purchase alcohol, vacations, televisions and other non-essential items, those charges would be disputed. This card system could create an argument that the custodial parent needs more and/or less money. Another option might be to use the money left over at the end of each month and have it automatically go into a trust fund for the child and/or be applied to arrears.

9. Create a child visitation enforcement agency: Parental alienation is a HUGE epidemic. Parents have to spend thousands of dollars in legal fees to get basic access to their children without help from the state. If there is going to be a child support enforcement agency, there should be an agency or hotline for non-custodial parents to call if they are actively denied access. In many cases, parents go years without being able to see their children due to expensive legal fees, bogus restraining orders, and cooperative mothers.

10. Mediation First – Court Second: Before a mother and father see a judge, both parties must first attend mediation. Have a worker use the child support model as a starting point, then allow each parent to discuss and negotiate with each other and come up with an acceptable plan. If the parents cannot communicate properly or if the order is deemed insufficient, then the judge can step in and make their own calculated orders. My point is, give parents one last chance to figure things out without government intrusion!

These are just a few ideas I have. This idea that we should punish and send people to jail only works on those rare people who CAN pay child support but choose to hide their assets or use deception. However, most of these laws, while well-intentioned, end up turning the middle class and the poor into criminalized debt slaves.

So there you are sitting at home, working or who knows where patting yourself on the back because you think you know everything there is to know about protecting your identity. You brag to your family and friends that you know all the tricks of the trade associated with criminal identity theft. That’s right, you won’t become a victim because you know all about the scams and tactics like Dumpster Diving, Repossession, Theft of payments or ID cards, Phishing, Change of address, Pretexts, Remote reading of information, Advertising of fake job offers , Social media browsing, old-fashioned theft, keylogging and 100 more things. Well, all of your knowledge is great for the 20 percent of your personal information that you actually have control over!

When a criminal obtains your Social Security number, name, date of birth, etc. it’s like giving them a gold bar and it’s all over except the screaming in your mind’s eye. Do you really have control of phone lists, memos, policy manuals, event calendars, systems manuals, printouts, disks, organizational changes, and everything else that (despite laws to prevent improper removal of information) the business or company ends up in the trash and landfills constantly. Accept it, you don’t!

So now you have two strikes against you. One, you can control personal information on the home front, which is why you think home front information is more leaky than you think, and two, unless you liquidate everything and leave all businesses in the United States, you have personal data. in the public domain waiting. for the criminal harvest as well. This country has and continues to display your personal information everywhere even though we know that identity theft is the number one white collar crime plaguing its citizens.

Yes, we are making progress with laws, security measures, countermeasures, and consumer awareness programs, but your Social Security number is still available and can be obtained legally and professionally by the average person by criminals, investigators, journalists, and all the rest. font you can think of. The following are just a few examples of how public and private registries expose your SSAN;

Driver’s license summaries – In some states, the SSAN is used for the license number or appears along with the license number. Some states allow the use of an SSAN to be optional, but despite this, only 15 percent of applicants apply for a driver’s license without an SSAN.

Income tax records – Tax records are sometimes made public (commonly in divorces where there are issues of alimony, child support/custody, property division, etc. where tax returns are presented as key evidence, disputes with the IRS they finally arrive in Washington, where the IRS Form 7249-M can list detailed information about the subject’s salary, income streams, assets, and other obligations, a person involved in civil litigation might find their personal tax records. attached to publicly available documents such as pretrial discovery or evidence at trial.) Your tax documents still contain your SSAN/TIN taxpayer identification number.

Application for Employment, Housing and Court Records. – Name, date of birth, SSAN is almost always information required to obtain a bank account, apartment, job, loan, mortgage or credit card. It is not difficult at all for law enforcement, lawyers, investigators, journalists (people posing as the same) to get access/copies of apartment rentals or job applications. Apartment applications are common civil court records that are typically found attached to landlord/tenant case files or personal bankruptcy files and criminal court files as evidence of a motion or affidavit.

Vote Registration Records – Voter registration records in some areas are kept at the local board of elections and are almost always made public. Many contain the SSAN to prevent electoral fraud. This SSAN listing has diminished over the years, but is commonly listed on the oldest records still available.

military records – Military members are identified by their SSAN, and although the Privacy Act of 1974 prevents the government from releasing the SSAN, a request for a person service record could find the SSAN listed on discharge documents ( DD Form 214) filed with the county courthouse.

These are just a few examples of some publicly accessible methods of digging up present person parts or past records of your SSAN, date of birth, full name, and other data being leaked to the public.

I am not trying to be a fatalist, but rather; A Realist If you don’t have the time or expertise to implement measures to protect your identity and that of your family, consider visiting a credit protection service that can implement appropriate measures to preserve your good name, credit, and assets readily available to others. criminals. Like it or not, a good measure of your identity is, in fact, a matter of public record or the result of hacking, the illegal or botched removal of employee records and company or corporate information. You can find some highly recommended criminal detection services on the Internet with an identity theft search.