How To Safely Offer Seller Financing

Written by Steve Gillman

Why offer seller financing when you sell? A higher price, a good return on your money, a faster sale and to sell a property that is otherwise difficult to sell. Some good reasons, but how do you do it safely?

1. Get a large downpayment. The most obvious way to be safe, and not always possible.

2. Get other security. If they want it with little down, and you likerepparttar return you'll get, make it safe by putting a mortgage on other propertyrepparttar 147260 buyer owns, to be released when they've paid downrepparttar 147261 balance to a certain level.

3. Check their credit. Have them pay for and bring you a credit report. Bad credit may be okay, but type of bad credit is important. Unpaid hospital bills they're disputing are not as relevant as unpaid loans.

4. Trust your instincts. If you are usually right about people, give some weight to your judgement of their character. I'd trust a man who felt morally obliged to pay his debts over a playboy that happens to have decent income atrepparttar 147262 moment.

Is your Identity REALLY safe?

Written by Ken Burnett

Is your Identity REALLY safe?

(c) Copyright 2003 by Ken Burnett

Here are...Ten Preventative Steps To Help Safeguard Against Identity Theft.

Guard against malicious thieves stealing your identity.

If you receive suspicious billings or items that you don't recognize. Call and investigate them right away with your provider. Try to head of any means of fraud before it can occur.

When you receive financial inquiries or solicitations inrepparttar mail...DON'T just discard them inrepparttar 147220 trash. Invest in a good crosscut shredder...Don't discard ANY mail solicitations, fianancial papers, bank statements, invoices, quoates, or any items that may contain information about you or your family members. Don't give would-be thieves an opportunity to gain access to your identity.

Don't give anyone your financial or private information overrepparttar 147221 telephone unless you initiatedrepparttar 147222 original phone conversation and you can verifyrepparttar 147223 person or organization you're speaking to.

It's sad, but true in today's world. You must be very careful not offer ANYONE your social security number, bank account number, credit card number, or any private or financial information overrepparttar 147224 phone without first properly identifying them. Get their contact phone and call back to verify. Also be careful not to be talking on a cordless or cellular phone....these are NOT secure devices. Anyone with a radio scanner may be able to monitor your conversation!

Protect your ATM cards, Personal Identication Numbers (P.I.N.) Guard against ANYONE gaining posession of of any ATM Cards, Charge Cards, and (PIN) Personal Identification Numbers.Check that they are always in your control. Keep account numbers, receipts, and contact information in a secure place that'seasily accessed by you inrepparttar 147225 event that you identity information is breached.

Report any lost, stolen, or missing checks immediately to your bank. They can then arrange to block payment on specific check numbers in question. When you receive your checks inrepparttar 147226 mail, always confirm that none are missing.

Make sure to store cancelled checks in a safe place.

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