1. Cyber criminals are being a lot more edgy with their scams. Rather then making up a name for a company, they are using ACTUAL company names, and behaving as that company would, sending out mail, making telephone calls, and even text messages.
2. Cell phone scams probably work well because you figure that only important people and your bank/financial institution will have that number.
3. I get alot of junk mail that tells me about getting online degrees, not having to go to school to get a job, and how they can help change my life. Blah blah blah.
4. I would say that you have to be extremely careful. As they explained in the article, if you get something in your mail or inbox you should call the company directly to make sure it isn't a falsity. Don't open emails that have a name you don't recognize. They use alot of normal names you might think are just a friend you met, and even the subject lines will say things like, "where have you been?" They're tricky, but the best bet is to only look out for email from contacts. And, set your spam filter pretty high. You can always check your junk mail to make sure nothing important got sorted out.
5. CIRCULATION OF FRAUDULENT E-MAIL CLAIMING TO BE FROM U.S. CUSTOMS AND BORDER PROTECTION (CBP): in this scam, there is a group that sends out an email that says the recepient has inherited a great sum of money. The only thing they need to be able to hand over the "inheritance" is your name and personal information.
FAKE MILITARY TWIST ON VEHICLE SALE SCAMS: the criminals are posing as military members that have to sell their cars because they're going to Iraq or Afghanistan. So they put "their" cars up for sale online, and while they go through the transaction, they ask the buyers for full or partial payments. But the buyers never recieve the car.
6. Auction fraud is when you go in and bid on an item online, and they can do many different things, send you a product that isn't what you bid on, send you an un-authentic item, not send you an item at all, and etc. Sometimes if you don't win the bid, they still contact you saying they have more of that item, but it's still a fraud.
Thursday, April 30, 2009
Monday, April 27, 2009
Finance Chapter 11.1
1. direct- single-family houses, duplexes, apartments, land and commercial properties.
indirect- real estate syndicates, real estate investment trusts, high-risk mortgages, and participation certificates.
2. Hedge against inflation, easy entry, limited financial liability and financial leverage.
3. Illiquidity, declining property values, and lack of diversification.
4. Each of these investments are grouped together and have characteristics of mutual funds. They are invested in securities in real estate in some form. Syndicates are temporary, and organized as a limited partnership of real estate, REITS are investments that can be chosen from three different areas (mortgages, equity or hybrid) , and PCs are investments in mortgates
5. I would tell investors that PCs would be paid back to you even in the event of a catastrophe. (They have the security traits of a US Treasury Bond) Because of the security, it would be a wise choice to invest.
6. A hybrid REIT may be a good investment, because it gives you diversity, and is not as risky as short term real estate holdings. PCs are considered the safest of the investments, and you receive a check for principal and interest each month. In a syndicate she would be able to have much diversification, and only hold it for a temporary amount of time, but it takes alot of money to start a syndicate.
indirect- real estate syndicates, real estate investment trusts, high-risk mortgages, and participation certificates.
2. Hedge against inflation, easy entry, limited financial liability and financial leverage.
3. Illiquidity, declining property values, and lack of diversification.
4. Each of these investments are grouped together and have characteristics of mutual funds. They are invested in securities in real estate in some form. Syndicates are temporary, and organized as a limited partnership of real estate, REITS are investments that can be chosen from three different areas (mortgages, equity or hybrid) , and PCs are investments in mortgates
5. I would tell investors that PCs would be paid back to you even in the event of a catastrophe. (They have the security traits of a US Treasury Bond) Because of the security, it would be a wise choice to invest.
6. A hybrid REIT may be a good investment, because it gives you diversity, and is not as risky as short term real estate holdings. PCs are considered the safest of the investments, and you receive a check for principal and interest each month. In a syndicate she would be able to have much diversification, and only hold it for a temporary amount of time, but it takes alot of money to start a syndicate.
Thursday, April 16, 2009
Real Estate Article
1. This article talks about General Growth Properties, and how they have just filed for Chapter 11 bankruptcy. Although they have filed for bankruptcy, shoppers at the malls they own will not be disrupted or effected. Chapter 11 bankruptcy entitles the company to have a "break" with no interruptions to their company or assets in order to create a plan that will be stable.
2. Colorado
a) $579,500
b) 2400 square feet
c) http://www.cohomefinder.com/p/80211/720724.htm
d)
e) Denver, CO
3. Florida
a) $589,000
b) 2230 square feet
c) http://www.trulia.com/property/1031840413-418-NE-12th-Ave-Fort-Lauderdale-FL-33301
d)
e) Ft. Lauderdale, Florida
f) 15 days on market
4. New York
a) $240,000
b) 2,752 square feet
c) http://www.trulia.com/property/1045090092-7572-Summers-Pl-Ontario-NY-14519
d)
e) Ontario, NY
f) 51 days on market
2. Colorado
a) $579,500
b) 2400 square feet
c) http://www.cohomefinder.com/p/80211/720724.htm
d)
e) Denver, CO
3. Florida
a) $589,000
b) 2230 square feet
c) http://www.trulia.com/property/1031840413-418-NE-12th-Ave-Fort-Lauderdale-FL-33301
d)
e) Ft. Lauderdale, Florida
f) 15 days on market
4. New York
a) $240,000
b) 2,752 square feet
c) http://www.trulia.com/property/1045090092-7572-Summers-Pl-Ontario-NY-14519
d)
e) Ontario, NY
f) 51 days on market
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