About Me

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Murrieta, CA, United States
I'm not a mini-van-driving Soccer Mom. Err, well - we can 86 the Soccer part. And the mini-van. So I'm a Mom and I drive. I am a former careeraholic. Although I no longer work outside the home, my working hours have increased significantly. I am currently negotiating my salary. I am married to the Navy... I mean a Naval Petty Officer. We have three boys ages 13, 10 & 4 and two kittens who literally think they are people. I don't believe in Religion. I believe in Jesus and respect others' Spiritual identification. My views on politics can be described in one word: "Shcmolitics". I am honest, sensitive and genuine. I don't refer to human beings as [blog] "Traffic" or "Followers". FYI: I don't sell Mary Kay Cosmetics any longer - so you're off the hook.

Sunday, February 27, 2011

Don't Get Scammed! Protect Yourself.

As the weekend draws to an end, many of us begin to prepare for the new week in business - which is what I'm doing right now. However, I wanted to take a few minutes to address some issues I have been experiencing in the wonderful world of finance. If you follow my tweets, you are probably aware of the fact that a few people have been attempting to scam my family.

Without going into a long, angry rant, I'd just like to list a few pointers and thank the good Lord we did our research before giving anyone our personal information! That being said, not everyone is as fortunate. Obviously, or these companies - these shady scammers wouldn't be in business.

I want to help people. I do not have an "agenda" or ulterior motive.
Follow these simple steps to avoid a potentially catastrophic financial problem:

1. Do not give out any information over the phone. Tell the caller you will check with your agent, attorney, etc to verify their information before you give out yours! I would advise you to say this even if you don't have a lawyer or real estate agent!

2. Google them. Type in key words along with the company's name in the Google search box. Use words like "warning (Whatever) Mortgage Company" or "stay away from", "fraud", etc.

3. Check them out on the Better Business Bureau's website.

4. Research the company or even the person's name on US Department of Housing and Urban Development (HUD)
. It can be a little tricky to navigate, so here's HUD's site map.

5. Check out your State's Department of Real Estate (DRE). For example, here's California's DRE. Spend a little time navigating around. You can also view current Disciplinary Action Reports involving specific real estate companies, agents and lenders, etc.

6. Last, but not least, ask around! Word of mouth is still of the upmost importance.


Please feel free to contact me should you have any questions. Your feedback and comments are equally important.

And...even though it's annoying...sorry...I gotta write a disclaimer, here:

I am not a licensed real estate agent, financial advisor or attorney. I don't accept any compensation for my advice, which is only being given in hopes of helping other individuals and families. I am not making any legal claims and if others do take my advice, I am not responsible for whatever the outcome may be. I also propose that this disclaimer be effective for any and all blogs I post.

Okay, got that out of the way. Thanks for reading and if I've helped one person, then "Mission Accomplished". ;)




2 comments:

Craig said...

Having now read trough a BUNCH of your posts I think I'm going to really enjoy reading you - and the occasional tweet.

God Bless.

Gail Gardner @GrowMap said...

Thank you for being willing to publish this warning so that your readers will not allow themselves to be victimized.

The Internet provides a huge advantage to us all - but only if we are wise enough to use it.

Many have escaped becoming victims because they found complaints online so BEFORE you give out any personal information AT ALL or spend one thin dime first search - and if you are not good at researching - ask someone who IS to assist you.