Thousands Sucked Dry By Hard Money Parasites- How To Avoid The
Loan Leech! by The Hard Money Specialist

(c)2005 The Hard Money Specialist- All Rights reserved
www.hardmoneyspecialist.com

==========================================================

There are creatures that prowl about the lush, green hard money
jungle that ignorantly kill 99 out of 100 deals…and the chances
of you ever finding a real lender with them are slim and none.

Now I’m not talking about respectable brokers, agents or
middlemen that have direct access to the money and treat their
clients with respect. I’m referring to the ignorant leech who
has absolutely no connection to a real investor at all, and
leads the innocent, sometimes desperate client into a black hole
of false hope.

They are despicable, not because they don’t want to secure
funding for their client, but because they don’t know the first
thing about the real world of private lending… They are in it
for the hope of big broker fees and don’t really care about the
myriad of candidates vying for funding!

They don’t give a flying squirrel about the client, their
particular circumstances or the massive amount of time that will
be wasted. They set their hook and then proceed to drag their
unsuspecting prey into a daisy-chain jungle, hoping that
someway, somehow, someone they find will fund the deal (throw
enough wet spaghetti against the wall and something eventually
has got to stick mentality).

This jungle leech calls every person he can find, other leeches,
quasi-brokers and the like, hoping that someone will know
someone who knows someone’s rich brother-in-law. This fishing
can take days and sometimes weeks, and, if they ever get lucky
enough to find an interested party, they simply sit back and
pacify the unsuspecting client as long as they can until they
find a way to the cash. Now, if the interested party is another
leech (and 99% of the time they are) you can see how this
daisy-chain can quickly grow into an anchor that drags the deal
into the shadows of the jungle.

Many deals never get funded because there are too many hands in
the cookie jar…”a plethora of parasites” if you will. If one
leech senses he won’t get his cut of the profits, he can and
usually does, kill the deal so NO ONE gets paid. And the sad
thing is, a real hard money lender doesn’t go near a deal that’s
been picked over. It doesn’t have to be this way. There are
simple indicators you can learn to help you deal directly with
the real private money lender. If you follow these basic rules,
you will save yourself considerable time, frustration and
heartache.

Rule No.1- If they ask for an upfront fee, laugh, scream “leech”
into the receiver and hang-up the phone! Who knows, maybe you’ll
freak one out and he’ll change professions.

Rule No. 2- Real hard money or private money lenders know
EXACTLY what they are looking for and will tell you (always
during the first phone call) if your deal fits their criteria.
If the agent or broker is not sure, staggers a bit and has to
check, again, hang-up the phone!

Rule No. 3- Don’t throw out your deal for everyone to look at.
Go at it one investor at a time. Remember, real lenders know
when a deal has been handed around…picked over deals are already
dead! They won’t even look at them.

Rule No. 4- Do a web search on the company, group or individual
to see if there is any derogatory information floating around
about them. If you don’t find anything at all that’s OK. There
are only a handful of real investors in every area and they
generally are very private individuals or small groups.

Rule No. 5- Try to deal with someone local if you can. It’s
easier to check them out and get a good read on them.

Rule No. 6- Most genuine private investors and their
representatives are pretty laid back. It’s the over exuberant or
hyper individual I would stay away from.

Rule No. 7- With bigger deals, like commercial developments,
know what documentation you need to get together for your
package by checking with your financial advisor or banker.

I sincerely hope this article helps you in your quest to find a
real lender who can fund your deal and avoid the hard money
jungle altogether! Why not just take the easy route and visit
me? That’s what I do!
===========================================================

The Hard Money Specialist has helped thousands of clients secure
financing. Need to get to the real investor? Click here now-
http://www.hardmoneyspecialist.com hardmoneyspecialist@cox.net
or call 949-305-1793– 6 FREE GIFTS just for visiting!

ATTENTION Ezine Editors/Site Owners Feel free to reprint this
article in it’s entirety in your ezine or on your site as long
as you leave all the links in place, do not modify the content
and include our resource box as listed above.

This recession is hitting every hard. Many families are finding it nearly impossible to pay all their bills, especially if they have lost their jobs. And if you are stuck, unable to come up with enough money each month to make ends meet, you may be in luck with ntmoney.com”>government grants to pay bills.

In a country as rich as America and with as much money Uncle Sam takes in every year from our taxes and gives out to other countries, there is absolutely no reason whatsoever that any American should be living without the basic necessities. It is a crime. But, unfortunately, many citizens have no idea that there is government help available…or maybe some are just too lazy to apply for it. Either way, the government sets back billions of dollars each and every year to help Americans with bills such as heating, rent, and food, much of which may go unclaimed each year.

>Each and every state in this country has some sort of government grant money to help people with certain bills. Each state gives these government grants to pay bills a different name such as heating assistance or utility assistance, but each one gives money for the same thing, which is to help pay the heating/air conditioning electric bills.

And, if your house is not energy efficient, you can also find grant money for bills that include putting in insulation in the attic, walls, or floors or to replace windows.

But those are not the only government grants to pay bills you can find. If you are at risk of losing your home to foreclosure, then you may be able to get assistance from a new government program through the recovery act in which you may be able to obtain a fixed rate mortgage with a lower payment, this allowing you to be able to pay your mortgage and keep your home.

However, if you are a renter and not an owner, you may be able to qualify for a housing voucher, allowing you to find affordable, clean, and safe housing for you and your family that is not located in a housing project area.

Plus if you qualify, you may be able to receive temporary financial assistance and job training in order for you to be able to make more money, thus being able to pay your bills with greater ease.

Lastly, there are even grants to help cover the cost of groceries and healthcare for those who apply and qualify. Plus, if you are interested in going back to school or starting a business, you may even be able to find and acquire grants in those areas too.

But remember, you must apply for these government grants to pay bills. They will not come to you, so do your research and find all the available grant sources you can, or take advantage of the grant kits and their free trials, which can save you time in the long run.

If you’ve been looking into investing in government foreclosures, you’re on the right track. As far as investing in property goes, you can’t beat the profit potential inherent in tax foreclosure properties. If you bypass the tax sale auction and purchase directly from the owners themselves, you stand to find some pretty good deals. (See http://deedgrabbers.com for more info on buying directly from owners.) However, even if you hate owning property, you can still get real estate sized paydays from government foreclosures a different way.

How? By focusing on the overages created at tax sale.

When more is bid for government foreclosures than is owed in back taxes, the government keeps that excess money for the owner to collect (this is true in most cases for both mortgage foreclosure sale, and tax foreclosure sale). If the owner never comes to get the money, after a few years the government gets to keep it. Unfortunately, since many owners have moved on from their last known address, they aren’t notified of the funds, and lose the money – permanently, with no recourse. That’s where you come in.

As a “found money pro”, or someone who researches these overages, you can easily make a six-figure income notifying people of the money they are unaware of. How? Two simple words: finder’s fees. Huge insider loophole: while in most states, state unclaimed funds have a cap to the percentage you can charge for a finder’s fees, most of these real estate created funds do not. This means that you can charge 30-50% (industry standard) for your assistance in recovering these funds. Is this ethical? Yes. Without you, 99% of the time, these owners will never find out about this money, and will lose it permanently. Most owners are more than happy to pay your fee and receive 50-70% than to receive 100% of nothing.

Especially in the current economy, more government foreclosures are happening than ever before. These overages regularly run into the tens of thousands of dollars. So for example, when you locate a $40,000 overage and get the owner under contract to allow you to assist for a 40% fee, when all is said and done, you’ll walk away with a $16,000 paycheck. Not bad for a few days’ work, is it?

Debt Relief Grants From The Government

With the availability of debt grants, anyone can get debt relief from the government to pay off bills and avoid any further financial damage. These government debt relief grants are available to American citizens who are at least 18 year old and meet the qualifications. Once approved, you’ll receive a check in the mail to pay off debt, which you will never have to pay back. Interestingly, even though millions of people are receiving debt grants, these programs tend to be a well kept secret. Since the government does not spend money on marketing and advertising debt relief grants, you simply just have to know about them on your own.

The government is mandated to give this money away. Every year it budgets over $20 billion to give financial aid to people who are facing financial hardship, and this money has to be given out as long as the budget remains. Unfortunately, because of the lack of education, many of these debt grants go unclaimed. For those who are aware of these programs, this presents plenty of opportunity to receive free grant money from the government. Debt grants are offered by a variety of government agencies. Your local community may offer debt grants, and you can find debt relief programs through your state government as well. All you need is to a little detective work to find available funds that you qualify for, and then ask for the money.

When you find the debt grants you are interested in applying for, simply read the instructions on how to qualify and submit your application. It could be as simple as filling out a quick form and waiting for a check to arrive in the mail. Generally there is no credit check, no down payment, and no collateral needed. It’s just free money from the government you’ll never have to repay.

To learn more about debt relief, the federal debt relief program, and how to get started, please visit: DebtRelief.bz

Always short of cash?? You may not believe it but you may be owed Oregon Unclaimed Money!!!

If you are always short of cash, one of the reasons may be that some of your money is being held by the State of Oregon as unclaimed money. While it may be difficult to believe at first, the truth is that more than two hundred and twenty million dollars is in the possession of the State of Oregon as unclaimed money. The State of Oregon owes money to million so Americans and you may be one of them. The best part is that the Oregon Unclaimed money is being returned to its rightful owners. Since the first month of 2005, the State of Oregon has repaid more than eleven million dollars to rightful owners of Oregon Unclaimed Money. However, there is still a long way to go as the estimates of the Unclaimed Property Section in Oregon Department of State Lands suggests that there are more than one million individuals in the United States of America who have a claim over Oregon Unclaimed money.

The staggering statistics begs the question- How on earth did Oregon end up with so much of Unclaimed money?? Well, there are hundreds and thousands of old checking accounts in the banks in the State of Oregon that have never been claimed by its rightful owners. Further, there are many unused savings accounts that are never closed by the account holder. The truth is that the odd dollar forgotten in an abandoned savings account contributes a lot to the total kitty of Oregon Unclaimed money. Further, many individuals who had purchased stocks and forgot all about it too contribute to the kitty. Other transactions that lead to origination of Oregon unclaimed money are checks not cashed, forgotten certificates of deposits and life insurance policies, abandoned and unused safe deposit boxes etc. Hence, if you have ever dealt in any of the transactions mentioned above, do find out whether you can claim your share in the unclaimed money in the state of Oregon.

More than thirty two million dollars are added to as unclaimed money and this occurs primarily because people who were named as beneficiaries in life insurance policies or people who were awarded gift certificates or people who were receiving money before they changed their address never did anything about it. If you had opened a savings account and stopped using it after some time of if you changed jobs and forgot all about your final paycheck which was due to you, all your money is a part of the Oregon unclaimed money and is still payable to you.

Thankfully, a nation wide database exists for individuals to determine whether unclaimed money is owed to them or not. Prefer websites that offer comprehensive search of state and federal databases. Prefer websites like www.cashunclaimed.com.

The most sensible thing to do is to money and property belonging to you to lapse as unclaimed money. Prevention is better than cure and the smartest thing to do is to keep track of all your financial transactions to ensure you do not have any unclaimed money against your name.

find money,found money

Watch the video related to unclaimed money

Where is the money video

Help answer the question about unclaimed money

About Author

Nicole Anderson offers a free search for your share on unclaimed money at www.cashunclaimed.com. See how much money is owed to you and follow the claim instructions to get a check in your mailbox!