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California Victim of Financial Elder Abuse Says Bank Did Not Question Withdrawals

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A recent victim of financial elder abuse claims that Bank of America did not question transactions when she withdrew money. The senior citizen victim was allegedly scammed out of approximately $35,000. Police are searching for a black woman in her 40’s who disappeared with the money. California financial elder abuse attorneys warn seniors to be wary when people they do not know well as them to withdraw money from their accounts.

According to authorities in this case, the suspect told the senior citizen victim that the president of Bank of America had contacted her and told her that he need the victim to pull money out of the bank. The suspect promised the victim $572,000 in return for doing so. The victim then withdrew $12,000 from a Bank of America in Redlands, California, and another $23,000 from another Bank of America branch in San Bernadino, California. California financial elder abuse attorneys warn seniors that bank officials will not ask them to withdraw money from their accounts.

Bank of America officials say that there are security efforts in place to protect senior citizen customers from financial elder abuse. Bank of America has stated that bankers and tellers receive extensive training to identify banking transactions that are out of the ordinary. Bank of America officials also stated that they follow applicable state laws which may include contacting Adult Protective Services or local law enforcement. California financial elder abuse attorneys remind the public to be vigilant regarding financial elder abuse.

In this case, the suspect befriended the stranger in a grocery store parking lot. After the money was removed from the accounts, the suspect told the victim that the bank president wanted them to put the money in the victim’s trunk and return to the other Bank of America branch to fill out paperwork. The suspect then went to use the bathroom and disappeared with the money.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at

Facts On Investment Property Mortgage You NEED To Know

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When buying an investment property you are likely looking to deposit as little down as possible to advance maximum control.

Be aware that if your property value falls you may possibly have a mortgage amount that is more than the price of your property. You really want to work with a guide or coach who can offer a number of experiences and guidance.

If you pick to use a 20% down payment for investment property mortgages the world is your oyster. Most financial institutions will bend over backwards to get your business.

You are considered very low threat to default on the mortgage.

You’ll still need a good credit score and the wages needed to qualify for the mortgage, but overall, you are in good shape to shop for a mortgage anywhere you please.

You should be able to acquire the most desirable interest rates available, whether you pick to go with a fixed rate or a wavering rate.

You should also be able to negotiate an ‘open mortgage’ which means that there is no mortgage penalty (often 3 months worth of interest) if you sell the house and pay off the mortgage early.

If you aren’t able to negotiate an open mortgage then ask if your mortgage is “portable”. If it is you may be able to move this mortgage into a new investment property with no penalty or condensed penalties.

And you should be able to elude having to purchase mortgage insurance all together.

All bank and/or credit union differs on this point but with approximately minimal effort and negotiation you must be able to avoid investment property mortgage insurance.

These are the details that an veteran mortgage adviser can help you with.

Know this…Investment property mortgages are constantly changing and there are new mortgages for investment properties coming accessible almost monthly!

So again, an veteran mortgage broker is likely your best answer.

For investors, lengthy amortization periods on investment property mortgages are advantageous because of two reasons: 1.The interest paid on these mortgages are tax deductible. 2.The lower monthly payment can reduce your monthly carrying costs very nicely.

Out of everything discussed around investment property mortgages, amortization periods get the most animated response from public.

There are details, fine print and exceptions to almost everything.

Things like mortgage penalties, mortgage insurance rates and mortgage stipulations need to be addressed.

So you will need to do your research and make sure the investment property mortgages you use are exact for you.

Ask questions, don’t be scared.

If what the bank or mortgage adviser is offering you is confusing, get clarification.

To meet experts in investment property mortgage who are limitedly available, go to SixFigureSyndication.com

Professional Designed Website Can Quickly Popularize Your Small Business

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Are you a small business firm that is seeking an effective means to market yourself to your target audience? Look into a professional Web Design Service to get a website that impresses people about your business. Though there are lots of do-it-yourself ideas on the internet about web designing, nothing can give you the kind of result that a professional website designer can give.

Why Do You Need To Take Web Design Service For Your Small Business Website?

An experienced website designing company will have a team of website designing experts who will implement the latest site design features. This will make your site stand out from your competitors. The site will have all elements necessary by which it is easy-to-use and navigate. All the information that has to be placed in your site will be positioned in the right way and presented in an organized manner so that it is interesting to the people who read it. Having a well designed site will take your small business to greater heights because you can reach across to a global audience. Your products or services are not limited to your local area but it is now available to a global audience. People who are in need of the products or services that your company is offering can now avail it through the information posted in your site.

An impressive and professionally designed website is a great marketing tool. It will showcase your business products or services to a large audience but the cost of such marketing is very minimal. As a small business you have to compete with many medium and large scale businesses in your industry. Having a website will enable you to make a mark for yourself and setup your business as a provider of high quality products or services in your business sector. You can reach out to global customers in the same way as bigger organizations and gain more customers your way. Since your site showcases your brand’s products or services, you can hear from people all over the work inquiring about what your company is offering and how to buy it. Many small business owners are finding better markets by opening a website. If you post blogs, articles or have a Face book profile about your company, you can link all these different internet resources to your site and enjoy the benefits of getting quality site traffic that gives good conversion rates to your site.

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Cult Wines Ltd – best place for fine wine investment

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People are always looking for some new investment sector as per their risk appetite. Yeah many times wrong investment can burn all hard work into ash. So, after having a big recession and still Europe economic crisis on the go one always look for safe investment. In last decade one sector has outperformed in an all recession and it is wine investment and fine wine investment.

Before doing any investment there is certain thing which is very important to take care to be safe and secure. One must have to identify some risk factors and all. So first step is to decide on which sector you want to invest then how much amount, and would you like e o one amount or you want systematic investment plan.

Timing of investment is also plays a big role in high return on investment. The most important point is that when you are investing, the time is very important; its totally depending upon current market condition. If you have analysis of market condition you would opt for wine investment. Look at the statistics for wine investment In UK, before a decade, fine wine portfolio was around 10000 and after decade it is almost 50000.

Wine investment will not have adverse effect if any economic crisis happens globally. As we can see in last recession wine investment standout and gave high return. So one can easily say wine investment can give return even in recession. In last 10 years wine investment has given 900% return which is really impressive and attractive.

Cult wines Ltd is the leader where you can get the rarest wines at very competitive rate and if anyone wants to go to the most safe and secure investment than will preference go to the Cult Wines Ltd also Cult Wines Ltd provides solutions for sourcing, investing, storing, selling and consuming Fine Wine of any kind to the investors or for any type of businessman. Cult Wines Ltd provides the fined tuned portfolio mainly designed for high capital growth and accounts and regulated mostly at warehouses. Cult Wines Ltd mainly deals with active foreign and domestic holdings and if any beginner wants to invest in the market than no safe investment except in wines and Cult Wines Ltd where you will get higher returns on investments and also provides the portfolio management services.

So far by this information I hope one can easily take decision for wine investment and Cult wines ltd can help you to build right wine portfolio.

Significance of loan modification to protect property foreclosure in Las Vegas

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You can save your property like homes from the foreclosure procedures if you have some effective alternatives in your mind to deal with the hefty installments that need to be paid every month for the mortgage loans. Yes, there is no denying the fact that you will be capable of restructuring the loan amounts with a fresh start if you are really unable to pay the monthly installments to the creditor. It has been often seen that people are confused and frustrated enough to find a feasible and most viable solution for this problem of loan non-payment and they let their assets to be foreclosed. In such odd conditions, loan modification is the only solution to save the property foreclosure and it will also allow you to repay the loan amount completely.

Eligibility to opt for modification of loan terms

Well, everyone who has taken some sort of loans from the creditors is not eligible for the modification of loan amounts rather there are some criteria that must be fulfilled by the debtor. There are debt relief lawyers in Las Vegas that will help you in fixing the criteria and other loan issues which might have deprived you of your assets and property. In fact, the person should be fully incapable at the financial front to pay the loan amount along with monthly installments. You will have to detail out all the sources of income and monthly expenses due to which you fail to deposit the loan installments. On the other hand, there are a few reasons due to which you might become unable to pay your loan such as prolonged illness, loss of job or fatal accidents that can be considered as viable causes for modification of loan.

Modification of loans as the best solution

If the debtor is fully aware of the fact that loan cannot be repaid at any cost with current incomes, you should definitely opt for the effective modification of loan with fresh interest rates and lower monthly installments. This type of move will certainly save your property from immediate foreclosure which is common occurrence in the life of people. This process of modification will allow the debtor to get enrolled in new loan type of either with fresh loan terms or loan refinancing which will cover your financial crisis. If you are also entangled in the same situation of non-payment of loans, loan modification las vegas is something which will help you in sorting out the major problems.

Author Resource:

The Author is conveying information about Las Vegas Foreclosure Services and loan modification las vegas. You’re probably thinking, everyone says that, so, what’s different here. It’s the commitment of quality, genuineness, and a guarantee that values your time and interest.

Tips Choosing Your First Business as an Entrepreneur

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There is a big misconception regarding first time entrepreneurship and that is the justification that it is okay to fail your first time simply because some well-known entrepreneurs failed and then hit it big.

What is not mentioned is the number of individuals who failed their first time as an entrepreneur and never got a second shot. Therefore, you might as well make it profitable the first time around.

Thus, to ensure higher odds of entrepreneurial success, you must choose the right business.

Here are 4 tips how:

1. Don’t Let the Economy Determine What Business You Should Start

The first thing that entrepreneurs think of when starting a business is our current economic condition. Although it is hard to bypass the thought of a horrid economy and the subsequent effect on your new entrepreneurial venture, it is imperative that you not let the economy sway your decision.

This will especially prove true when the economy turns in the next few years and you are left with an average business that was overly defensive and a lot of regret.

2. Let Google Assist You In Your Choice of Business How do you truly determine market demand for the product and / or services you plan to offer?

One way to do it is to use the Google Keyword Checker. This basic site will tell you how many people are searching monthly for your product or service.

Another key element that the Keyword Checker brings to the table is the use of adjectives.

For instance, you may want to open a business selling blue widgets, but upon looking up how sought after the product is on the web, you find out that green widgets are searched for times as often as blue.

3. You Cannot Avoid Sales, Instead You Must Embrace It and Not Let It Determine Your Business Choice

A willingness to engage in sales separates the men and women from what will be future job seekers.

Entrepreneurs hate sales because for some reason they tend to be more afraid of rejection than your average Corporate Joe or Jane. Why this reason is, I cannot tell you, but to avoid human interaction, entrepreneurs will completely alter the business that they are going into.

What they don’t realize is that regardless of industry, sales is part of business and, thus part of entrepreneurship.

4. K.I.S.S. Keep the concept simple (or, to use the real phrase, Keep It Simple, Stupid). A rule of thumb for first time (and any entrepreneurs) is that if you cannot explain your business in two sentences or less, it’s most likely not going to sell.

It is very rare that people reinvent the wheel with entrepreneurship. As a matter of fact, you can count them on your fingers: Bill Gates, Steve Jobs, Sir Richard Branson and ?

The odds of hitting Pick 6 are better. In entrepreneurship, especially when choosing your first business, go for a base hit, not a home run your first time at bat.

E-Loan Online Banking

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The E-Loan Online Banking is one of the safest and securest of all the online banks for investing your money with. At E-Loan they use a SSL server that will confirm your connection each time you log in. This connection is encrypts all of the data and information so no outside party can view its contents. This is done with a 128 bit encryption.

This is what you would expect from an online bank that has made it mark in the financial community as providing a safe and convenient way for people and business to conduct their financial matters online.

This financial institution obtained it reputation by offering great interest rates on mortgages and car loans. Today they have expanded their financial services to also include savings and certificates of deposit accounts.

The current bank rates include a tiered format for their online savings accounts. The minimum deposits are $5,000, $10,000, $25,000, $50,000 and $100,000. The APYs are 0.15%, 0.45%, 0.50%, 0.55% and 0.65% respectively. For all balances below $5,000, the account will earn an APY of 0.05%.

The CD rates include 1 month CD that is earning an APY of 0.15%. The 2 month CD is earning an APY of 0.20%. The 3 month CD is earning an APY of 0.25%. The 6 month CD is earning an APY of 0.30%. The 9 month CD is earning an APY of 1.05%.

The 1 year CD is earning an APY of 1.26%. The 18 month CD is earning an APY of 0.75%. The 2 year CD is earning an APY of 1.00%. The 3 year CD is earning an APY of 1.15%. The 4 year CD is earning an APY of 1.35%. The 5 year CD is earning an APY of 1.90%. The 6 year CD that is earning an APY of 2.00%.

This is what E-Loan Online Banking has to offer. All rates are current as of June 2, 2011 but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For you to learn a lot more regarding CD Rates Interest, Bank Rates, Sovereign Bank Online, CD Rates, SunTrust CD Rates, Chase Online Banking, Online Banks, Westpac Online Banking, CD rates, PNC Online Banking, chase CD rates from Author pay a visit to –

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Consider your investment plan carefully

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Retirement is a necessary event which everyone faces in life. When one thinks of his income after retirement, several options arise. During his service, the person has to save some amount every month for his retired life. The person invests this amount in Annuity schemes which fetch him some periodical income so that after retirement he can lead a normal life. Before choosing the appropriate investment plan, the person has to evaluate his needs. His immediate commitments like education of children, expenses on health, renovation of house, legal expenses if any are some of the factors which may require careful consideration. The next question that he has to consider is the marriage of children, tour plans, etc.

Where to invest the savings?

This is a vexing question that needs careful consideration. Many employees invest the amount with their employers. In return for this investment, the employer normally gives the employee a fixed amount periodically as Annuity. Of course in the beginning the Annuity which the employee gets would seem to be reasonable. But with inflation, the fixed annuity will not be sufficient in the coming years. Even with an inflation of about 3% every year, in about 4 to 5 years the person will feel the financial crunch.

The alternative is to invest in Stock market. But this requires specialization and careful market analysis. Everyone may not have this quality. So this is a risky investment.

As an alternative, the employee can consider the investment plans offered by different investment companies. Many of the investment agencies have several attractive plans like Annuity with health insurance coverage for the spouse, burglary insurance, etc. Such investment could be another better option to choose.

Some persons may consider investing in real estate. But if such investment is made, the person may not have fixed returns unless the investment fetches him some amount by way of rent. If such investment is made when there is a favorable market, the value of real estate would appreciate and this may fetch attractive returns.

However, as far as investment plan is concerned, all that matters is the wisdom of the investor. Wherever necessary, he can take the guidance of professional investment planners who would be able to guide the investor appropriately.

Personalized Koozies – Five Ways To Use Personalized Koozies For Your Small Business

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As giveaways at job fairs: with the economy the way it is, businesses need as much exposure as they could acquire, as well as exactly what better place than through a job fair. Even if you’re not planning on employing a lots of individuals, personalized Koozies still make a good promotional giveaway product that attendees may take along with them. This is particularly beneficial if you’re a service kind of company, and may keep your name right in front of their minds for some time to come.

2. Charity happenings: whenever charities are trying to boost money, the first to be approached are local businesses in your community exactly where they will be holding their fundraising affair. By including personalized Koozies with your logo along with name on them, you not just practice good local community assistance through assisting the charity with their fund raising, you get nice publicity and also advertising for your business at the same time. Designing them to replicate the charitys concept as well as colors makes them a collectible, too.

3. As sales giveaways: in case your business endures sales, then providing personalized Koozies in your sales agents for use as part of their own personal promotional deals is a great idea. Whenever they contact a new customer, they are able to leave one or more with them as being a gift for being attentive to the presentation. At product sales seminars for your enterprise niche, they generate great gifts for your prime sales staff, customized with their accomplishments, or as a free gift throughout the meeting.

4. When sponsoring local sports clubs: lots of companies today will support local sports teams as part of their promotion efforts. Precisely why stop at just supplying jerseys for any Little League team, when you could give personalized Koozies also? You may have them imprinted up with the team name, their logo, and also the season or perhaps year. They will show how much you care about the kids, and provide them, and their guardians, something to remember your sponsorship as well as your small business.

5. At welcome centres or even chambers of commerce: When individuals move into a new community, they generally check with local workplaces for names of organizations they may have need of in the foreseeable future. Chambers of commerce would gladly supply space for giveaways to new people, as well as handy stuff like personalized Koozies will always be delightful. The Welcome Wagon will always be searching for new gift items to incorporate in their welcome deals, also. Exactly why not provide them with a few cases of Koozies along with your logo, name as well as contact information to encouraged newbies with?

Personal Bank Loans – What To Expect from a Personal Bank Loan

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Are you in need of a personal loan to help you out with some emergency or project? Do you want to be able to go to your bank for this loan because you know the rate will be better and you already know the people there? There is much to say about personal bank loans and you need to know what to expect before you walk in and apply. Here is what you will be getting into.

First, you need to understand that your bank will be harder to get a loan from than many non conventional lenders. The bank will want you to have good credit, collateral, or a few other things. If you have a good relationship with them, a vehicle or piece of property to use as collateral, or an investment account to use as collateral, then they might be willing to give you a personal bank loan even if you do not have the best of credit.

However, you are better off if you have good creit because if you have good credit you may not even need collateral. Many banks will lend based on income and credit only and will not require any collateral for smaller loans that are under $10,000. Of course, the amount you will be able to get all depends on your income and your credit.

Second, you need to understand that if you have bad credit your chances of getting a personal loan from your bank are not very good. They will be doing you a huge favor if they even consider extending you a loan. With a good amount of collateral and a co signer you might be able to get a loan from your bank with a co signer, but that is still stretching is quite a bit.

Last, understand that if you are not able to get personal bank loans, there are still options. You can apply online for a personal loan through someone that is considered a non conventional lender. If you are really desperate and you need the money for an emergency you can always get a cash advance or payday loan without even having your credit checked.

You can get more information about Personal Bank Loans and discover everything you need to know about Online Personal Loans at:

Personal Bank Loans