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koparatnewton09-blog · 4 years ago

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Buying a Condo Conversion

Never question the ingenuity of the real estate developer.

Close to 20 years ago, two of my best buddies and I decided to pool our resources after college and get an apartment of our own.

The three of us were barely able to afford a 3 bedroom apartment that was about 10 years old at the time. We paid about $500/mo. in rent. To this day, I am not sure how we could afford that apartment.

The apartment was a dump. The flooring, the kitchen and, especially, the bathrooms were so bad, that my father walked in one day with a horrified look of disgust on his face, and refused to stay. However, that was what my buddies and I called home.

Today, nearly 30 years later I am doing loans for people buying units in that same apartment complex. Today, it's a condo conversion!!

The entire complex has been remodeled, and the units are going for nearly $175,000 a unit.

Pure genius!

You all know about condo conversions and how incredibly hot they are in the market. Low interest rates have driven new home sales through the roof and condos are no exception.

First time home buyers are flocking to get in any way they can. This has actually crippled the apartment business and is driving the biggest condominium conversion boom in 20 years.

Over 12,000 apartment units in Las Vegas are currently mapped for condo conversions. Condo developers are paying a premium to acquire and transform old apartment complexes into condos and they are doing this all across the country, especially Las Vegas and South Florida.

The developers typically search for apartment-to-condo conversions in desirable locations where they won't directly compete with affordable entry- level homes.

They want to offer an affordable alternative to pricier single-family homes or to costlier condos in new developments.

In many cases, condo conversions provide the perfect entry-level opportunity for renters to become home owners, allowing these new property owners to build equity and realize their homeownership dream.

Transforming apartment buildings into condominiums is quicker and less risky than construction from the ground up. click to find out more kopart at newton show flat

Land prices have gone up so high that many developers cannot afford to build entry-level housing, so this is a great option. Home buyers then benefit because converted units are usually more affordable than new ones, and many are in choice locations. You can find some of these units advertised locally for as low as the $90's.

Conversion developers say they can buy something for one-third of the cost that it would take to buy the vacant land and build something on it.

The beauty for the developer is that the condo conversion isn't going to be selling for one-third of what it would cost brand new. It's more like 75%-85% of it.

The developers usually do a pretty nice job improving the property and the units. Upgrades are usually made to the property's exterior and common areas. Then they add on the sizzle. Granite counter tops, upgraded cabinetry and fixtures, and wood floors are often added to individual units. The upgrades are built into the condo prices.

Once the developer acquires an apartment complex, they generally convince about 10-15% of the existing renters to stay by buying a unit. They will often offer these people discounts before they ever even market to the general public.

The obvious key to selling these units to your clients is to convince buyers that they are better off owning versus renting or to get your more timid investors to jump in with less financial risk.

People have a desire to own a home. There are very few who want to rent and low interest rates have provided this opportunity.

Condo conversions create more affordable housing in areas when the price for a single-family home skyrockets like we have seen throughout the country. A single family home in Las Vegas, where I live, is averaging around $300,000. That is simply not affordable for your average first-time home buyer.

Speculators and investors make up 30-50% of all condo conversion buyers. They buy these units, intending to sell them at a higher price in a short term.

Rising interest rates historically have slowed conversion activity. This slows down the appreciation as well. It's difficult to convince someone to pay $1200 per month on a mortgage for a 1000 sq. ft condo. However, get it under $1000 and you will find buyers.

Before you invest in one of these units and plan on renting it out, or you plan to buy one to live in, you must know a few things.

Condo conversions are marketed to the very same people who rent apartments. Thirty to 50% of all condo conversion buyers are investors and speculators.

When they go to rent their units, they are competing for the very same market as the developer of the project. Why rent when you can buy? Why rent from you either?

Once cheap mortgages vanish, and rates have been rising recently as you all know, condo conversions will become riskier. When home sales slow, converters may find it harder to sell their condos.

Once 30 year interest rates hit 7% or 8%, experts say, condo conversions will cool. Today, we are at around 6.25%. The good news is condo conversions are almost the last bastion of truly affordable housing in many areas.

Here are some things to keep in mind...

Many people buying condo conversions don't realize that the property they are buying is different from a newly constructed unit. This means the financial exposure for repairs and replacements can be much higher.

New condominiums, built from the ground up, are constructed with the building materials of today and have to conform to today's more strict building codes.

The condition of converted condominiums can vary. An older apartment complex converted to condos could have wear and tear and may have structural faults unknown at closing. These problems can become a real hindrance later on.

Newer apartments that have been converted to condominiums in the past few years were probably constructed under the latest building codes and have new building components, mechanical systems and interior finishes. These are a safer bet and you will want to find out the year the original structure was built.

Many older buildings have been converted as well. Some converters gut an apartment building, taking it down to its "shell," and then rebuild it, installing new plumbing, roof and mechanical systems.

Other developers simply do "cosmetic rehabs," leaving the building components as is and merely sprucing up the property to make units more marketable.

Buyers beware. Are you buying a fully renovated building that was taken down to the shell, or are you buying a building that someone just slapped some paint on and put in a few new windows?

What about problems to the complex? Although most developers do a terrific job in converting, what if the roof needs to be repaired after a few years? Does the association have enough reserves to cover it? Many people believe condo conversion owners can expect special assessments quicker than new condo buyers.

You do have some safeguards. As a lender for condo conversion buyers, we often require an engineer's report from the developer before we close the loan. You have a right to this document as well.

It tells you what was done to the building and the sales office can give you a copy of this if you ask.

Here are some other things you should know before buying a condo conversion:

They usually have restrictive covenants. Every condominium project has rules and restrictions that govern what unit owners can do. If you own a pet, make sure your building is pet-friendly. Do you even get a covered parking space?

Are you buying the unit as an investor to rent out? You will want to make sure the building allows rentals and the minimum term required.

If speculators cannot resell their units they will rent them out too. If there are many renters, that can create problems with condo owners in the same building and lead to maintenance issues.

Renters tend to care far less about their homes than do the home's owner. Too many renters can destroy the complex and it's value.

Speculators buy as much as 70% of some condominium projects. You may be moving into a building that is nearly vacant. That may not be what you had hoped for.

Once a condominium project has more than 30% of its owners that use it as a second home or as an investment property, the condos all become "non-warrantable."

Non-warrantable condos mean the project is not insured by Fannie Mae. This means a different kind of loan for the buyer of your condo. Many banks do not loan on non-warrantable condos. We offer non-warrantable condo loans. Even though they are very competitive, even offering 100% financing, the loan programs are not quite the same as they are on a warrantable condo.

Here is a time and problem saving tip:

When you are selling a condo, of any kind, you want to make sure you or your agent contacts the Homeowner's Association, early in the process, and asks them what percentage of the project is non-owner occupied. If it's over 30%, you want to communicate this immediately to your buyer. He has to make sure his lender can do the loan or he may have to change lenders. It is best if you know this early.

Many condo conversions are considered non-warrantable.

The bottom line is condo conversions offer affordable housing in many areas where the first-time homebuyer and the real estate investor, who wants to take on a little less financial risk, are starting to be turned away. However, as a buyer you want to be very cautious and ask questions about the building's history and residential make-up.

#kopar at newton #kopart at newton location

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johnathandlcq759-blog · 5 years ago

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Exactly how to Plan Your Estate

"I am single and also I owe the IRS $80,000 in back taxes for tax years 2000 through 2003. I assume I probably owe some cash to the State of Ohio and also I presently make $40,000 each year. I just received a Notification of Levy, which mentions that the IRS prepares to garnish my earnings. I know I will be discharged if my company figures out. What can I do?"

The foregoing is an archetype of the types of tax troubles a tax law firm experiences on a daily basis. Individuals confronted with tax obligation problems and also approaching levies and/or garnishments are frequently emotionally John Du Wors anxious - thinking that they will lose their homes, their work, their marriages. Several are worried that they will certainly even be sent out to jail. Unfortunately, much of their issues are valid. In this new age of aggressive tax obligation enforcement, losing your residence is an actual opportunity and also being sent to prison is not entirely impossible.

Thankfully, this tax trouble does not have to ruin our client's life. Those of us who switch on the television also simply once a week for 15 mins knows the Notorious Deal in Compromise program. This program addresses your tax obligation troubles for "cents on the buck." Regrettably, despite what you hear on television, you actually have to remain in dire straits to receive this program. Our $40,000 each year single tax client might, yet probably won't qualify. It he has any kind of cash left over from his income, he can be certain the Internal Revenue Service desires it.

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However, many tax obligation clients do get an Installation Arrangement, either partial or complete. A $40,000 each year single tax client can not possibly repay an $80,000 tax obligation financial obligation, especially when fines and passion continue to accumulate. Under these situations, a Partial Pay Installment Arrangement is most likely the most effective alternative. This strategy enables our tax client to pay the Internal Revenue Service a sensible sum every month. Often times, the Internal Revenue Service will certainly consent to approve less than the total amount due and also forego fines as well as passion.

Naturally, if our tax client's earnings increases, the Internal Revenue Service will likely find this new-found cash as well as will certainly look for to renegotiate the layaway plan. The IRS does understand that everyone requires a place to rest, as well as specific various other standard requirements. In order to negotiate the best layaway plan possible, our tax client will certainly need to account for these necessities in painful detail. The more money he requires to pay his monthly home loan, the less cash he has in his pocket to pay the Internal Revenue Service. Keep in mind however, the IRS has actually developed nationwide averages for the fundamental needs. With an earnings of $40,000 each year, our single tax obligation customer shouldn't rely on being able to remain in his $250,000 house.

Fortunately is that the IRS has a law of restrictions. The IRS can not continue to accumulate from our tax obligation customer more than ten years after the tax obligation was assessed without suing him for an expansion, which is really unusual. In the case of our $40,000 per year tax customer, the taxes owing for 2000 were most likely evaluated at some point around 2002. The Internal Revenue Service has a "drop-dead date" in 2012. If it hasn't accumulated by that time, our tax obligation customer can likely relax easy that the tax financial debt for that year is gone.

As always, with fortunately comes the poor. A State such as Ohio does not have a statute of constraints. They can as well as will certainly seek our tax obligation clients permanently. We lately had a customer who possessed a car dealership over 20 years ago. He stopped working to pay sales tax in 1982. Greater than 25 years later on, the State of Ohio imposed him for the unsettled sales tax. Obviously, he no longer had any kind of paperwork to challenge the amount they declared he owed. Nevertheless, he did have pictures of the dealer, which were taken back in 1982. We had the ability to create these photos to the State of Ohio, in order to record the variety of vehicles he truly had in his inventory at the time. We had the ability to minimize his tax financial obligation by over $100,000.

Comparable to our cars and truck dealership, our tax obligation customer that makes $40,000 annually is not without hope. With quick participation on our component as well as cooperation from our customer, the wage garnishment can be stopped, before the employer has any knowledge of it. The key is instant action. If the IRS knows that a tax obligation expert will certainly be submitting a suggested resolution to the issue, any type of upcoming levy and/or garnishment will likely stay till a mutually-agreeable resolution is established. It is imperative that tax obligation problems be dealt with as promptly and also effectively as possible. Otherwise, our tax customer may find himself not able to pay his mortgage or make his car settlement, as the Internal Revenue Service has taken almost all of his $770 per week income.

#John Du Wors #John Du Wors Attorney #Tax Attorney

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topicprinter · 5 years ago

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TL/DR at the bottom. Thank you in advance for your suggestions.I am a retired police officer (I became chronically ill after the birth of our son and had to retire from law enforcement 8 yrs ago). At the time, my only option was to allow my house to foreclose because it was in an area with MANY foreclosures (SW Florida) & we were unable to find a buyer for a very long time. I recieve disability and am unable to work physically because of my chronic condition.My husband was a web design/ programmer, making around 80k before the company he worked for folded, which pushed him to start out as a lighting & sound engineer. After a short stint doing events, he got heavily involved in the installation side of technology, and he's now making upwards of $200/hr between installing & programming systems & equipment.He was an independent contractor, but now he's gotten in on the ground floor with a friend's business- the entire business is in the friend's name, but my husband is an intregal part (the business couldn't run w/out his knowledge & abilities). They are doing very well and picked up multiple HUGE contracts for chains of businesses- currently they are working on 180 new vet clinics accross the US and that's only one of many.We live with extended family & have very few bills; no mortgage, no rent- just a single car payment, insurance, our phones. We help out with electric/gas, etc- but the bulk of the household bills are my parents (who we share the house with)- my husband maintains thier vehicles, we renovate and care for the house and they pay the bills.Our only major expense is that we are currently paying for three storage units a month- $1100 total- for a MASSIVE collection of Lego and Lego related products that I've been collecting for many years. This collection has been my way of working towards the business I want to start.The Business; My goal has always been to open a Lego related business consisting of multiple parts;-A new & used Lego shop selling everything from current items, to custom printed parts, build-your-own figures, bulk brick, specialized parts, etc etc etc.-A model building studio- where adult Lego model builders can come work in a place with a massive parts library- (both professional builders who do commission work- artists who work in Lego - as well as hobby builders who work on large complex builds but may not have a place at thier home to work on or store thier builds.)A large museum-like display area w/ interactive exhibits, activities- with large walk-through displays, building challenges, the history of Lego (and displays of many classic themes and sets throughout the ages).Classes & clubs for kids (after school, summer camps, scouts & home school groups)- Based on robotics, engineering, team building, creativity, etc. (As well as birthday parties)We also want to have entertainment based area, themed to Lego- Car ramps where you can build & race your builds. Challenges where you can try to solve puzzles using Lego- an indoor "Lego" Minigolf course where you can experiment with changing the design of the course was/ obstacles similar to giant Legos...-A secure storage area where adult collectors can store thier Lego collections (built, unbuilt, boxed, etc)- because many people have HUGE collections but not enough room at home to store them (and storage facilities are NOT ideal temp and settings for these type of collections).& Finally (but also most importantly)- We are HEAVILY involved in two charities that we have been running(not official 501c3 corporations)- For 5 years, we've been running Project Christmas- adopting local families in need at Christmas & providing everything the families need (5 years old, last year we helped 64 families with 119 kids). We also run a charity that creates custom Lego kits for kids and adults suffering from health issues, chronic pain, etc- and delivers them to families in domestic violence shelters, children's hospitals, etc.We have the entire business EXTREMELY well planned out, we have a focus-group online that has both volunteered to help with the set up and opening, but has been heavily involved in the ideas & planning of the business. We own nearly everything necessary for the inside of the business... Including displays, shelving, signage, promotional & decorative Lego related displays, and all of the Lego necessary for the massive displays, the new & used Lego shop, the model building studio, etc etc etc.What we don't have- is a location for the business. Although my husband makes GREAT money- we don't have any real organization when it comes to our income, and neither of us have fantastic credit thanks to young mistakes. (Mine is all paid-off, with no outstanding debt- and he's been steadily clearing up about $13k in remaining student loans).I have no idea how one goes about starting a business that needs a $300,000 warehouse-like building, and affords to hire contractors to do a $40,000 build-out. (this is approximately the costs we've come up with, through our research).If I continue paying $1200 a month in storage unit fees- I'm throwing that money away. And yet- I need the contents of the storage units to open the business. I'd like to move everything into a rental property and start with SOME of the ideas, growing the business to another location or expanding in the same location if we're able. We contacted a local owner of a 12,000 sq foot building with fantastic road-frontage, a huge parking lot, just minutes from our house- asking if we could possibly rent PART of the building, and then expand as we grow... Because the entire warehouse has sat empty for more than 15 years......but the owners response was that they "would really rather focus on selling it". I can't imagine we could EVERY get a $3000 a month mortgage with our credit & my husband's being self employed. - even if we DID get the mortgage, at $3000/m, we wouldn't be able to afford to improve/build out the empty warehouse. We were really disappointed that they weren't interested - and that they'd rather have it sit empty (it's been through 3 realtors with zero inquiries besides us in more than 10 years).We live in an area with an ABUNDANCE of mixed use space, but this building was really IDEAL in location for our needs.Anyway- I have absolutely no idea how people get started when they have a passion project that they want to turn into a real business. We need to stop throwing away money in storage fees every month- and I genuinely want to move everything into one place, and turn my hobby into an actual business. We have a TON of support from the Lego community, we live in a major suburb of a huge City, and the support for our idea is VERY BIG.... I just don't know where to start.For years, I have been amassing all of the products & display items, retail fixtures, signage- literally everything necessary to open the business - we have it all. Just no place to actually open.Your suggestions, comments and feedback are very much appreciated. I am in no way,.a business major, and I can't thank you enough for your patience with my LONG post.TL/DR; Our family has a huge hobby/project that we believe could be a very successful business- we just have no idea how to transition or get started. We have a good amount of disposable income, but that income fluctuates vastly bc my husband is self employed, and our personal credit is not good (but it IS improving.) Without an investor to start us off with a large sum - I have no idea how to move forward with starting our business. Thank you <3

#/r/smallbusiness #reddit

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walduissymavelleyq94insuran-blog · 5 years ago

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Car Insurance, including APR?

So, im looking for car insurance and I found the cheapest one for me. A deposit of 70.00 payable by credit or debit card followed by 10 monthly instalments by Direct Debit of 55.90. Total payable is 629.00 including APR of 29.6%. What does it mean including APR of 29.6% That I will have to pay an extra 29.6%. Its my 3rd year driving and I ve never seen this before.

BEST ANSWER: Try this site where you can compare free quotes :cheap-insure.info

SOURCES:

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critical illness insurance quote rbc

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critical illness insurance quote rbc

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16 year old girl Good school attendance record.Grades could be better. Dallas,Texas. Hispanic(If that matters) Mom and Stepdad have Allstate insurance What is the general price range? And for these cars,can you estimate(I'm NOT getting these cars just curious)I am getting a used Dodge avenger though!(: 2008 Dodge Charger 2010 Chevy Camaro 2008/2009 Dodge Avenger I already asked this in the insurance section but I want more opinions/answers""

Looking for a site for Affordable Individual Health Insurance?

Hello, I'm looking for affordable individual health insurance online web company.Can you suggest me where can I find cheap and good site for my insurance?I'll be very thankful.""

What kind of insurance do you have to have on a car that your still paying on ?

will the car company let you get cheap insurance?

What is multi trip insurance?

going back packing for a year, what is multi trip insurance?""

How is the Hillary Clinton helth plan version 2 anything like car insurance?

Car insurance: 1) Need to get it if you choose to drive. 2) Government bureaucracy does not force you to choose only in-state car insurance. 3) Coverage is meant to protect others from damages. 4) You choose how much coverage you want. 5) Does not violate freedom of religion. 6) Taxpayers don't pay for people who can't afford car insurance. Hillary Care: 1) Need to get if you choose to live. 2) Government bureaucracy limits the choice of provider. 3) Coverage only protects you and not others from damages 4) Government mandates what is covered, not you. 5) Violates freedom of religion for those whose beliefs prevent them from getting hospital care. 6) Government steals taxpayer money to supplement those who cry poor. Hillary supporters: Is it even possible to argue this? Go ahead and try. See you after Hillary loses the general election!""

What is a good life insurance company?

I have been looking into Garden State and Globe. Do any of you use them? Who do you use as your life insurance holder? I am going to look around Monday with local companies but I have been looking around online. It will be for myself, my husband, and your 1 year old daughter(only a small one in case something happened and it would be for burial).""

Can you give me any car recommendations?

ok im a 16 year old boy turning 17 next month and my parents are buying me a car.they said that there are some requirements of their own 1.the oldest it could be is a 2005 model(i don't know why) and it needs to be with in our price range which is $10,000 to $20,000.i don't have many requirements just that it needs to have something where i can connect my ipod and phone to the car to play music or make a call and i don't want a honda or toyota because everyone has one of those in my area and at school(sorry if it sounds bratty but it kinda feels weird to me to have a car that most people have in my area). so what are some nice cars in our price range that would be a good first car.also my parents said the insurance cost doesn't matter.""

If business were de-regulated would it really save the owners money? What about insurance costs?

Regulations protect business from lawsuits; which are costly, damaging and highly unpredictable. More, because there are guidelines and the government enforces those guidelines businesses can be insured and insured at affordable rates. If regulations on business were repealed, what would happen to the cost and availability of insurance for business?""

How much is insurance on a Mazda RX-8?

I'll be 19 years old when I get it(if I get it that is), I will have had my license for 4 months(if that matters), clean record(no tickets or accidents), I live in 75044 Texas(if that matters) and I'm a male(I know that matters). The car will be anywhere from an 04 to 06 with < 100k miles on it. It will be a 6 speed. [about] How much will insurance be for full coverage vs liability only? Right now I'm in a 98 Honda Civic Ex with 187k miles and it's $40 a month for liability only if that helps.""

Can my friend insure my car?

I bought a car and currently have a loan for it that I'm paying off. The insurance that I got for my car is $250 which is way too much. My friend pays $100 for his insurance. If I were to be put on my friends policy, it would make his insurance go up to $200, but I would pay him $120, and he would pay $80, making insurance cheaper for the both of us. Is this legal? Note that he is listed as the policy holder, but I am listed as the primary driver of the car.""

How much would my car insurance cost?

im 16 years old and i have a job i have 2 grand saved up in the bank and my gpa is about 2,6 would it really be expensive or not the car i am drving is a 93 honda acorrd""

Car rental insurance ?

i'm going to rent a car for 3 weeks from avis but there are 4 types of insurance to choose from : (1) Additional Liability Insurance (ALI) (2) Loss Damage Waiver (LDW) (3) Personal Accident Insurance (PAI) (4) Personal Effects Protection (PEP) what does each one mean ? and which is necessary ? note : am not US citizen .

What's the average cost monthly for a high school student for having a car?

Just like the question says, around how much is everything put together on having a car (maintaining, oil, insurance etc) for a high school student. Thanks.""

""I lower my car insurance deductible a week ago, would the insurance company accept my claim today?""

Because of the bad snowy weather we been having, I recently lower my car deductible from $1000 to $250 . My car just sliped today and hit a curve. I took it to have it checked, and the shop told me it would be around $3000 to get the car fix. Would my insurance company think that i lower my deductible after the incident happened? Would they cover the damage? Should i wait before trying to file the claim?""

Whats a guess from the different cost on insurance between a bike and a car?

would it be something like bike - $100 month car - $200-$300 month

How expensive can i expect the car insurance for this car to be?

Car insurance for a 27 year old with 3 years driving experience( that i can prove xD) on a brand new Porsche Boxster S

I am trying to show proof that I did have car insurance in 2009 but cant remember what insurence company I had?

does anyone know how to get past records of car insurance but dont remember what company I had

""Teen car insurance,HELP!!!!!?""

im going to get my license in december, and i want a 2008 honda civic hybrid, im going to be 16 by then, my gpa is 4.0, and im a female, live in california, and how much will be my insurance approximately if the car is under my parent's? and what do i have to bring on the day of my road test other than my permit and my drivers training completion certificate? thx""

Is it possible to get a loan and homeowner's insurance for a post & pier foundation house?

It's a small home and it's not located in an earquake area. Would having this kind of foundation reduced the value of the house?

""Will my regular auto insurance go up if I get a motorcycle license, I won't have a bike yet, just the license?""

Will my regular auto insurance go up if I get a motorcycle license, I won't have a bike yet, just the license?""

Insurance on 1995 BMW 318i heeelp?

I am a 20 year old college student that is looking to buy his first car. I am currently ON MY PARENTS INSURANCE and i am thinking of buying a bmw 318i 1995 automatic trans with around 140,000 miles on it. Around how much would the insurance for this car be? I just need a rough estimate just to see what i'm working with. Thanks""

Dollar Car Rental Insurance Cost?

Hello I will be renting a Dodge Charger next week. I am thinking of getting the insurance - ( i have full insurance with allstate and also CC covers it too) I hate to get them involved, even if i pay more for the insurance, i just want to leave without having to revisit it, if something where to happen. How much does Insurance cost with Dollar rent a car? The one where they let you go for any kind of damage. Thanks""

Pregnant with no insurance?

I recently moved and I no longer have health insurance. I am 33 weeks pregnant. I do not qualify for Medicaid. are there any other inexpensive options? I am currently working part time but I won't be working for much longer.

Who has best price on motorcylcle insurance?

I have a harley davidson ultra - its 800 yearly - my cars cost less. I am with geico

How much money have you saved on insurance rates because of seatbelt laws?

Please give me a figure and proof that insurance costs have been lowered since the mandatory seatbelt laws. Or helmet laws. How much money do you save per year since you have given up your right to choose?

critical illness insurance quote rbc

Does Bupa insurance cover child birth in USA?

Does Bupa insurance cover child birth in USA? and what is the steps for that?

How much is renters insurance?

I've lived in several apartments, but none that required renter's insurance. I'm planning on living alone in a 1 bedroom apartment in the Tucker/Stone Mountain Georgia area and several apartments I've looked at say they require it. How much can I expect to pay (approximately) for renters insurance? What factors determine rates for renters insurance? Is renters insurance always monthly, or can you pay yearly or every 6 months? 10 points to the best answer! P.S. I've tried looking around online, but all the sites want an exact address where I'll be living and my social security number just for a quote. Just looking for the ballpark.""

Buying an insurance write off ( car )?

I was wondering if it was possible to buy an insurance write off for the purpose of using it off road, for things such as car trials and banger racing? i know that if a car is category C or below, it can be returned to the road after repairs, but what are the rules as to off road use?""

Car insurance/non valid?

i GOT PULLED OVER FOR SPEEDING( WHICH I'M GUILTY FOR) HOWEVER I DID HAVE INSURANCE WHICH THE CARD SAID IT EXPIRED 7/30 I GOT PULLED OVER ON 7/16. i GOT A LETTER IN THE MAIL SAYING MY INSURANCE ISN'T VALID. I DON'T HAVE INSURANCE RIGHT NOW BUT THE CARD SAID IT WAS STILL GOOD.. THE LETTER FROM THE D.M.V SAYS MY LICENSE IS GOING TO BE SUSPENDED... IF I GO AND BUY INSURANCE RIGHT NOW WILL I BE OK AND SHOW IT TO THE COURT THAT I DO HAVE INSURANCE? HOW DO I GET OUT OF THIS MESS? BTW I LIVE IN CALIFORNIA

What does Enterprise car rental insurance cover?

We rented a car for a week and we got the basic coverage for our rental car. Yesterday we stopped at a crosswalk when we saw two people and were then hit full speed by a pickup truck. It totaled the rental car and thankfully were are ok. As we were sitting there it was told to us that a witness said there was no one at the crosswalk when it happened and the witness filled out a report. I know what I saw and it hurts that people would be so dishonest. By the end of it the officer said no citation would be issued. I think the police are going to say it was my fault for stopping to quickly. I think that's ridiculous but anyway. If I have the basic car rental insurance and they say its my fault, will the rental insurance cover all that? Thanks for any responses. I am still shaken up!""

Will this decrease/increase my insurance rate?

#NAME?

Is there affordable insurance that covers pre-existing pregnancy?

My friend lost suddenly in a car wreck a couple weeks ago. Days later she found out that she is expecting. Cobra coverage through his insurance company is over $600 monthly. She is having a hard time finding insurance with her pre-existing condition. Does anyone know of an insurance company with reasonable rates that would be willing to cover her?

What is the cheapest but best car insurance for NYC. thank you.?

1967 dodge dart need insurance fast if you can please help.

What kind of health insurance do I need?

My family is looking for health insurance. I do not understand premiums and such. This is our first time getting or looking for health insurance. It will be for myself (21yearsold) , my wife(19yearsold), and my 8-mo old son. We are all in perfectly good health. We will only be using the insurance for typical well-visits, up to date on shots, and the possible emergency visit. What is the best place to get quotes and what kind of premiums should we look into? Obviously, we are young and need something affordable. I need help! :(""

State farm or farmers for auto insurance?

I have a farmers policy for my auto insurance. My agent never replies nor picks up the call. I want to change the agents. I am thinking if I should check with with state farm. Do you know if state farm has better or same or expensive rate for the similar coverage than farmers?

Whats good Health Insurance?

Im 20 a year old woman in college, I recently found out I was pregnant. I want to find affordable health insurance coverage for me and my unborn child. I dont want to rely on ...show more""

Crashed car 3rd party no-one else injured what to do with insurance?

I'm in my first year of driving as a 17 yr old male and i crashed damaging my car beyond repair. My insurance is only 3rd party and that cost 3200 no-one else was involved however the police,ambulance and fire were present. What shall i do, do i inform the insurance company however without making a claim? Do i scrap the car and change my insurance? What are my options to prevent the premium going even higher than it already is.""

What is the cheapest BMW on insurance and fuel?

Just was wondering which car would be the economical one. I'm guessing its probably something in the 3 series but not sure, Anyone know?""

""Ford Crown Victoria Insurance, and Gas cost?""

For you crown vic owners, I want to buy a 2001 Crown Victoria. Is it a real gas eater or what? How much do you think the inssurance would be for a 18 yrs old men? I like them crown vics, except when it comes time to be in the back of them in handcuffs.""

Buying life insurance for unemployed adult son?

I have a 24 year old unemployed son who works only temp jobs when they are available. I'd like to make sure he's covered if anything happens to him - what's the best route to take? I live in California, he lives in Ohio. Can I add him onto my job's insurance policy, or will I have to purchase it some other kind of way?""

No insurance..?

Okay I have went to 2 doctors appointments with no insurance.. but now I have insurance.. How much do you think its gonna cost for them two visits

Does insurance go with the driver?

If I have insurance on my car does that mean I can drive another car using that same policy without adjusting if its an temporary thing?

Would my health insurance cover for vision?

I currently have Aetna Health Insurance. On their insurance plan, they say they cover vision for free. However, when I was filling out my insurance plan, I forgot to check the box that said I wanted vision covered because it said it was free. Now when I went to get a prescription for glasses, the insurance company said they wouldn't cover it because I did not check the vision box. Would the company still have to cover it, because they said vision would be covered for free.""

GOLF CART INSURANCE COST?

HOW MUCH WOULD GOLF CART INSURANCE COST ? what insurance co has the cheapest rates ? Thank You .

Insurance for modified first car?

I've bought my first car, it is lowered but has no performance enhancing mods..I'm on a learner permit with no previous insurance. Will I be able to ge insured??? Im half afraid to tell them when looking for a quote in case they all blank refuse me. I would rather tell them though. I wouldnt mind paying a bit extra as long as its not a huge amount. Does anyone have experience with this? Did you just get refused, or did it just go up...and if it did, by how much did it go up? Thanks.""

Lowest car insurance in india?

which company giving lowest price for car insurance?

Getting Health Insurance?

When I move out with my boyfriend can I be on his health insurance plan without being married?

Why do people get life insurance?

How can I get insurance if I am not working?

they say its going to a law you have to have insurance well what if your not working did they come up for something for that

Cheap car insurance? 17 year old UK?

So say I'm a 17/18 year old just passed driver with a cheap car, small engine etc, female, what price, in terms of car insurance, am I looking at? Thanks for any feedback. I really just want an estimation!""

critical illness insurance quote rbc

https://www.linkedin.com/pulse/insurance-quotes-2001-pt-cruiser-jeffrey-hernandez"

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rknglobalblog-blog · 7 years ago

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Identity Theft Solutions for Families

The best identity theft solution would be to protect yourself, and get the information you need to keep yourself from becoming a victim. Guard your personal data, and just give it out if you're certain it is needed.

Never give your social security number on the internet. If you frequently access your financial accounts on the internet, run your anti-spy ware program before obtaining your account. Regularly update your virus protection and anti-spy programs programs.

Keep track of your fees, so you will know whether any fraudulent charges have happened. If you don't receive your statements, contact enhanced identity theft protection the bank immediately. Your invoices could be sent to an alternate address so you won't notice the extra charges on your invoice.

They will tell you there is a problem with your account, and they need one to send your social security number, or your own credit card number to them to solve the issue. If you get this type of request, don't react to it, or click on the link in the email. You can either call the company to confirm your data, or visit their website by checking their web address directly into the browser address bar.

If you receive a call telling you that you have won a valuable prize, and they simply need to confirm rknglobal.org your information, ask them to send you a written application. If they refuse, hang up the phone.

As the incidence of identity theft raises, the offenders continue to come up with new ways of attempting to get your own personal information. The majority of them would rather take the easy way out, and victimize people who are unprotected, and oblivious of the steps which you can use to protect yourself. Be vigilant about protecting your personal information, and keeping your computer protected. That is the ideal identity theft solution.

Most credit card companies have implemented identity theft security to assist you in the event that you become a victim. You should not assume that you have protection since you handle a significant financial institution. Have them send you info concerning the type of protection you are eligible for, and how to access it if you want it. This type of information that you want to have before you find you require it.

Due to this present growth in identity theft, alternatives and prevention tips are getting to be a requirement for everyone. Many victims of identity theft are unaware they've been concentrated until weeks after the initial crime. Your charge card invoices could be lost for a month, and when you contact the bank, they tell you that there's been an address change that you didn't authorize. You may be applying for a mortgage renewal, and discover that your great credit was destroyed by a scammer. This time lag gives the scammer a head start at spending all your hard-earned money.

However, over the next 3 times my checking account balance improved by $400-$500.00 daily unbeknownst to me or my spouse. Back then it was not as easy to receive your accounts as it is today. For three days we had no clue that

I was recently married and my spouse and I'd just combined our separate checking accounts into one. 1 day I was at home assessing our accounts balances preparing to compose monthly bills. (This particular incident happened prior to the presence of online banking.) When I called the bank to confirm our account balance, I discovered that our bank accounts balance had increased unexpectedly by four hundred bucks. At the time, I did not think much of this four hundred dollar increase because my first thought was that my spouse had deposited a check and just didn't mention it to me, no big deal

Some specialty businesses offer identity theft solutions. They will allow you to take steps to protect yourself from becoming a victim of identity theft. They'll provide you checklists, internet references, and clear measures to take to resolve identity theft issues. Specially trained staff is available to help you fill out police reports, contact creditors and credit bureaus, as well as the FTC. They work together with you to solve the numerous issues that you will experience as a victim of identity theft.

Here's how they did it

As you can see from my personal story that occurred many years back that some forms of identity theft are comparatively simple crimes to commit and are easy to eliminate. In my case , I gave the perpetrator(s) the opportunity to victimize me very careless with my personal info.

In retrospect, I didn't understand the first clue that something was wrong when Ronald-K-Noble's facebook I neglected to follow up with my wife when I noticed the very first deposit.

Items I regularly shred are bank statements, mail with our names on it, junk mail, monthly invoices, (once I pay them of course) expired credit cards, pay stubs and whatever else I don't want at the hands of a identity theft opportunist.

Before I shred info that I deem important or I'd like to keep a record of, I

Back then I was not as careful as I am now with my banking records i.e. statements, cancelled checks and deposit slips. I somehow inadvertently threw some checks, deposit slips or both from the trash bin that was located in a heavily traveled alley behind our apartment building. At that time, there was not a lock on the garbage bin and anyone driving or walking can sift through the trash without increasing suspicion. As it turned out, the perpetrator(s) needed accurate information I'd given to them (by not being careful) to carry out the identity theft.

The perpetrator(s)) would obtain another individual's bank account tests by fraud or theft. They'd then go to the lender as if they were me, walk up to the teller window and using one of my deposit slips, deposit a check payable to me using the stolen checks. Typically that amount will be between $400.00-$500.00. They'd finish the transaction by requesting for $100.00 back. I was told that the bank did not require identification for this small amount of money back when depositing a check.

The time that it took us to shut our account, consult with the credit bureaus, open new accounts, obtain new checks was time consuming. My anger soon turned to frustration when I saw firsthand how cavalier the bank was about this crime or what it's effects could or would have on my profile. It appeared like they simply didn't care. In the large scheme of things from the banks ruling, this is a minor breach of a single client's bank accounts. No big deal. A five hundred dollar loss isn't even petty cash for a lender. However, it wasn't about the money per se because our accounts was finally restored to the initial amount prior to the breach. But, my identity had not been revived as well as the perpetrator was out there free to continue to victimize others.

The perpetrator only walked from the lender, pleasant and simple with $100.00 in his pocket. This occurred five times in a four day interval which equates to some $500.00 loss to my account and a whole lot of time to fix.

The bank representative told me I would need to arrive at the bank in person to straighten out things because they too (the bank) had observed the suspicious transactions happening on our accounts. The driveway to the bank was a brief ride but it seemed like forever because I had a sinking feeling the bank was likely to tell me that our account was cleaned out. After I arrived in the bank and sat Status for protected identity down with one of the branch directors, I was relieved to find out the thieves were only able to steal five hundred bucks. Although the amount of money stolen from us was little, the incident was very unsettling to me along with my new wife. To know that my identity had been compromised by someone impersonating me hammering my name on checks that were drawn on closed accounts made me very mad.

Following the fourth day, I began receiving "returned test letters" from my bank stating that checks deposited to our account had been written from closed accounts and had "bounced." At that point I knew I had solutions to identity theft problem a problem with our account and that I was devastated and scared when I realized that I was a victim of identity theft. I promptly called the bank to find out the extent of the damage done to our account

Our Identity-Theft Solutions So you've got the newest security features installed in your pc and you never use the internet to shop or bank; you are still not entirely protected.

We do not give out our private data in response to email, snail mail or telemarketer questions unless we initiated the contact. We are very careful not to respond to email posts that are phishing for our information. Some of these websites are extremely good at simulating legitimate websites. However, legitimate companies and your bank do not ask you to update your personal data via email. Please, do not fall for these scams.

This was my experience with identity theft and some of the identity theft answers that my wife and I implemented later I became a victim.

We have a credit score tracking subscription that tracks our credit reports for any changes to our profile. I inspect our credit reports through the online service after every 2 weeks. (You may look at your personal credit report as often as you like through the monitoring service.)

Despite all the deterrents and bureaus involved many identity theft alternatives how to solve identity theft fall flat as there are several loopholes to gain access to private information.

We advise that the post office if we're heading out of town for more than a couple of days and ask for a vacation hold. We take it to the postal collection box located nearby or the post office itself.

Will scan it into my desktop computer and convert them into PDF files for later viewing and record keeping. This is a simple way to keep records of particular information without keeping endless amounts of paper that has your personal info on it. Prior to implementing this solution, I would recommend that you ensure your firewall and anti virus software are up to date and in good working order. You should also put a password on your personal computer to protect it from prying eyes.

We are living in a technological age where hackers, thieves and impersonators do a pretty good job at getting what they would like to further their requirements. Your garbage is up for private scrutiny when you put it to the curb; your own mailbox, in most instances can be readily opened and contents removed and did you know that your mail can easily be plotted through the world wide web? The postal office may tell you that they have checks and balances but it can be accomplished.

We have a lockable mailbox to stop easy access to our mail. I am amazed how many people do not have locks in their mailboxes. If your email is stolen which is a federal crime.

Keep all your important personal records; social security cards, birth certificates, passports, insurance policies, IRS and State tax documents, credit cards you don't keep in your wallet along with your marriage license secured in a thick safe that is bolted to the ground in your property. Identify thieves are also thieves who will aim a house specifically to steal confidential files in order to assume identities.

I encourage you to inform your identity theft stories along with your identity theft alternatives so we all can learn from them. Most of us need to be aware of the scams, fraud and tricks out there so we don't find out, after the damage is devastating, that somebody is walking around pretending to be you and putting you deeply in debt. Educate a friend or relative about identity theft so that they do not become victims.

We don't take our Social Security cards around with us. There's no reason to take your Social Security card in your pocket on a daily basis. Commit those amounts to memory. If you want to demonstrate the actual card or perhaps give out the number for some reason, take care to inquire about what it is going to be used for and if it's absolutely required. If possible do not provide your Social Security amount to medical hospitals or offices. Oftentimes a drivers license number is acceptable. Medical fraud and identify theft throughout your medical file is huge because almost everyone in the health care office has access to your chart.

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