Financial Professionals Are on the Front Lines in the Fight Against Financial Elder Abuse

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A Wells Fargo financial professional recently helped to save a client from losing money in a scam targeting senior citizens. The 78-year old client thought that he won an overseas lottery. Instead, he became a victim of financial elder abuse via a typical lottery scam. The Wells Fargo professional prevented money from being sent offshore, however money from another bank was sent out. San Francisco financial elder abuse attorneys warn senior citizens that lottery scams are abundant. California elder abuse attorneys warn the public not to fall for lottery scams.

In this case, the senior citizen victim was contacted by unknown individuals claiming to be from the Costa Rican lottery. They told the senior citizen that he had won the lottery and that he could collect a $5 million payout. Then they told the senior citizen victim that there were some formalities and that they would need some personal information to verify his identity. Additionally, they told him that he needed to send money to pay off various taxes and fees associated with the money he had won. The senior citizen victim then went to one of his banks and transferred $88,000 to an offshore account. California financial elder abuse attorneys warn seniors not to transfer money overseas. San Francisco financial elder abuse attorneys say that sending money to offshore accounts is a very risky proposition.

Next, the senior citizen victim went to his Wells Fargo Bank and attempted to set up another transfer of $50,000 to an offshore account. This time the senior citizen got lucky. The Wells Fargo financial professional knew immediately that something was wrong and refused to go forward with the transfer. Since the senior citizen client was convinced that he was one transfer away from getting $5 million, there was an unpleasant exchange between the financial professional and the senior citizen. At that point, the financial advisor contacted the family of the senior and they helped convince him that it was a scam. The financial advisor helped prevent further financial elder abuse by refusing to transfer the money. San Francisco financial elder abuse attorneys say that financial professionals can play a role in the battle against financial elder abuse.

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

Pit Bike Modification

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These bikes have some very restrictive parts fitted when standard and therefore the first move is to try to remove these parts for better ones. The carburettors and air filters on these bikes mean that fuel and air supply to the engine are limited and therefore the ride will not be as smooth or as powerful because of this.

The first thing to do then is to buy a new race carb, these can be purchased off some websites for around 40-50, this is quite cheap considering the gain in performance it could achieve. After this has been fitted it is a good idea to derestrict the airflow with a free flow air filter (K&N style). This will add extra horsepower to your pit bike and give a great performance boost.

The next part which I would change would be the exhaust and manifold, which are again very restrictive to the engines of these bikes. A performance exhaust can be found on some sites for around 50 but can also retail at a few hundred pounds so be sure to shop around first.

Once these modifications have been made there will be a great power difference increasing low and mid range power as well as top end.

However there is still more to do in order to get the most out of your pit bike, in pit bikes the CDI unit is often restricted. The limiter on these are usually set around 8,500 rpm which means you will not be getting the most out of your bike if this is left standard.

A performance CDI unit can be purchased for these bikes which will mean that these bikes can now rev freely up to about 10,000 rpm which will mean smoother power curves and better acceleration and top end.

Adjustments can be made to the gearing of these bikes as well, in order for you to adjust this depending on the style of track you will be riding on. The best thing to do to change the gearing of the bike is to experiment with the set up of the sprockets. Standard sprockets are usually 14 tooth on the front, with a 37-40 tooth sprocket on the back.

Changing the front sprocket with a larger one will result in better top end, and a smaller rear sprocket will have the same effect, however acceleration will be lost when top end is gained and vice versa.

For more information on modifying pit bikes, or for details of parts for sale which will increase the power of your pit bike then visit www.minimotosgo.com and take a look for yourself.

Entrepreneur Spirit 3

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Some people think becoming an entrepreneur is so difficult. They often think that to be an entrepreneur, money is the main factor. Actually, there is something else such as mental preparation that plays an important role.

Some people choose to be entrepreneurs because they do not want to suffer tight competition in the workforce, to have the desire for unlimited earnings, to have the freedom to determine their own destiny, and to be more independent or to have extra satisfaction on their personal achievement.

In the early stages of becoming entrepreneurs, however, people should realize that their income can be less than before, no more company allowances. Not mentioning that they have to work harder and longer hours, with the responsibility of employing their workers.

Moreover, they should cope with critics from their environment about how stupid they are for letting go such a good job with good payments and benefits.

People should have more than one income source, but by being entrepreneurs, they are working for themselves, and they alone will determine how much they want to earn and how.

Tips for new entrepreneurs:
Start with a low working capital, so people can minimize their potential loss that may occur.
The other advantage is to train to survive in the new business with minimum facilities.
Be flexible; entrepreneurs should revise their business concept with current trends and economical conditions.
It is recommended to have a mentor who can share knowledge and give advises on critical points.
Start with your hobbies.
By doing so, hopefully they can cope with the frustration and do not give up when they have to deal with difficulties.
Sometimes it is a good idea to do a completely new business idea that might bring less competitors.

Starting a new business needs capital. It is a safe way to use their own savings, because they do not have to pay interests or risk their assets when taking business loans from a local bank.

Avoiding interests should be considered since it is hard for a new business to gain profits during its first months of operation. It can take their breath away to pay high interests.

For people with a strong network, they can look for partners to cooperate with, so they also can share the capital.

Having a business does not mean that people will earn profits right away. Entrepreneurs should think about getting loyal customers and give them competitive services.

After a business has been developed, entrepreneurs might need employees. it is important to put honesty as the first criteria. It is a fact that honest people become rare nowadays, and you do not want to be cheated by your employees.

Last but not least, entrepreneurs should understand that running a business is a process. There will be some critical moments before they can earn a stable profit.

Foreclosure Tax Sales, Loan Modification, Delaying A Sheriff Sale, And More

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Foreclosures for unpaid property taxes vary widely by state and county. Sometimes the house is auctioned off to satisfy the taxes. Other times, a lien or certificate is sold to the high bidder. And in some areas, no sale is conducted and the property is simply transferred from the homeowner to the county or other tax agency. In most jurisdictions, homeowners have the right to redeem their property after the auction for delinquent taxes.

The following are some defenses homeowners can still raise after a sheriff sale to delay or challenge the foreclosure process and auction:

* Irregularity in conducting the sale
* Sale price at auction was grossly inadequate
* Homeowners did not receive notice as required
* Sheriff sale was not advertised as required

Any physical problems with a property make proceeding with a foreclosure much less desirable for lenders. An appraisal, Broker’s Price Opinion, or other type of valuation from a trustworthy source should be included with any workout proposal, loan modification, or short sale request homeowners make if there are deficiencies in the condition of the house.

If borrowers run into a brick wall dealing with the mortgage servicing company, they can go a step above and contact the holder of the loan. Large banks, institutional lenders, Fannie Mae, and Freddie Mac, among others, will often push a servicer to intervene and work out a solution with homeowners to stop foreclosure, modify a loan, or delay a sheriff sale.

Most people think that Wall Street was primarily responsible for securitizing junk loans and unleashing the subprime crisis. In reality, though, over 50% of mortgage securitizations are guaranteed or issued by Fannie Mae and Freddie Mac (two government-sponsored enterprises), or Ginnie Mae (Government National Mortgage Association).

In a mortgage modification or other workout agreement, it is always easier to negotiate down interest charges, late fees, and other unexpended costs to the lender. These are costs the lender has not paid out of pocket, but has instead just tacked onto the loan balance. They can and should be negotiated away.

According to the Truth in Lending Act, homeowners can request their mortgage servicer to identify for them the person or company or organization that holds the mortgage. The servicer must comply with this request.

Sometimes homeowners are able to delay a sheriff sale over and over again. While this seems a little counter-intuitive, if the lender does not accept the request for a postponement, it may face liability for acting in bad faith. Pursuing foreclosure and using the courts is usually considered the last option, and if the owners are working on a mortgage modification or short sale, for instance, the county auction can be called off relatively easily.

Can You Really Attract Money

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What would you do if you could immediately attract money, perhaps as much as a million dollars your way? Have you ever thought of it? Have you sat and dreamed about the things you would buy, the good deeds you could do, the favors you could pay back?

Studies show that people who are successful have always believed, deep in their heart and without exception, that they would be. They expected to be successful. They had dreams of buying big cars, having big bank accounts, and having the job of their dreams, or even their own company. They dreamed the money and were able to attract money because of their subconscious beliefs.

On the other hand, people who are debt or suffering from hard times generally have a poor view of money. They think of rich people as evil and greedy, they think of money only in terms of getting enough to pay off the bills, and they dont think big.

In order to attract money, whether it is one dollar or a million, you have to change the way that you think and your relationship with money. People with money arent greedy or mean or lucky, they are just people who have used the Law of Attraction to attract money to themselves, and you can use that same theory to work for you, too.

Being able to change your mindset and attract anything in a proactive and intentional way takes more than just reading a book. You will find that you have to work constantly, both in terms of how you consciously think about money, and how you train yourself to think subconsciously. By using the Law of Attraction to get what you want, what you deserve, and what you need in terms of money, you will then be able to use it to attract even more of the good things in life.

Lawn Care Marketing Ideas For The Entrepreneur

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Running a lawn care and maintenance business can be difficult when you are not equipped with the right knowledge and skills. Since this business can become seasonal especially in places where there is winter, business can get very depressing. But with enough wit, the right skills and strategies, it can’t be that bad after all.

Advertising your business is a fundamental rule of the thumb. It is where you get your sales and establish your customers. There are many lawn care marketing ideas that could help entrepreneurs out there. The difference comes in choosing the right platform and using it correctly.

Identify your customers

Who will steer your business to the top? The hundreds or even millions of home owners out there who realize the importance of having a well maintained lawn but just do not have the time to accomplish lawn care tasks. It could also be entrepreneurs, just like you, who have to regularly maintain or keep their lawns to attract more customers to go their establishments.

Who will you cater to? If you choose to serve home owners, you must become aware of their needs. Gather data on what lawn care services home owners often look for, based on this establish your services, invest in the necessary equipment or tools needed.

Get your services across

How will your reach out to these customers? There are conventional marketing strategies that still work and there are the modern strategies that will help you connect to the more conventional people of today.

For instance, building a website will make it easier for people to find you. You will not rely heavily on the chances of people finding you just because they happen to walk by the street where your shop is located. Through the internet, people can find you even at the comfort of their own homes.

Maximize your marketing strategies

When you employ certain marketing strategies, you should not end there. Find ways to fully benefit from it. If you decide to build a website, make sure it has everything it needs for people to want to click on it and hire your services. Make your site “responsive” so that when a potential customer uses his smart phone to browse for services, he’ll be able to get to your site.

When you advertise via a local newspaper, make sure to ask the publisher to place your ad in the business section of the paper in case that you cater to commercial establishments or properties for lawn care services.

For more lawn care marketing ideas, visit now.

About Investment Banking and Why You Should Seek Expert Help For It

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Investment banking is a widely accepted phenomenon presently, the major reason being expert advice provided at every step you need to take. Financial giants take the responsibility of making sure your money grows avoiding the risk of down fall. Today every person at some point or the other thinks about investing some amount of money in the stock market. A major worry of all these people is the uncertainty; investment banking beats these blues and offers best possible investment advice to its customers.

A major chunk of people involved in investment banking do not have the time to keep an eye on the ever changing markets and track their returns. In such cases arises the need for investment banking services. These companies do all the hard work of market research and analysis and advice investors on where to put their money for maximum returns. This also depends upon the amount of money the person is willing to investment.

There are many sectors in which investment banking is being carried out, few of them include retail healthcare, insurance and automobiles. Another emerging trend in this banking is that of equity investments. Equity investment banking is based on the dividends of the existing shares an individual holds. There are expert advisors who guide the movement of funds here as well so that there are no last moment disappointing surprises.

When it comes to investing money not all have the perfect knack hence it is always good to seek help of an expert investment banking company or equity investment banking services. Money after all is a crucial issue and you would always want to see it grow systematically. Another advantage of investment experts is they help you understand the market well. You get to know where your money is going and the reason behind it too. These services do come with at some extra cost but are sure to give you peaceful night sleeps and not make check the stock market prices every now and then. Let the experts do their job so that you can relax and reap the benefits.

Choosing the right financial advisor is also important in such cases. Also reading the fine print before finalizing anything is advised as there are many terms and conditions that come along with investment banking. You can take reviews of family members, friends, colleagues etc in deciding which and choose. There are numerous financial institutions and each one of them is offering investment banking services due to its rising demand.

Tips For Losing Weight That Don’t Break The Bank

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Have you ever research how to lose weight quickly, only to realize that a lot of what comes up is quite costly? I just came across an 8-week laser weight loss program for $2000. I’m sure if the person is motivated and follows it diligently, they will in fact lose weight. But not everyone has that much extra $$ to throw at it. So it got me thinking, what are some tips for losing weight that won’t put a major dent in your bank account!

1) Label readers. Can’t fool you right? Actually Consumer Reports published a story how much we’re being fooled by food labels. Not only should you pay attention to the actual ingredients in the product, but read the calories. It might read -200 calories per serving- but pay attention to what an actual serving size is according to them. Quite often its – the product in the box. So of all a sudden those 200 calories are up to 400 or 600!

2) Diet Pop. One would think that switching to calorie free soda would help with weight loss. Study after study proves otherwise. In fact diet pop drinkers tend to be 6 waist sizes bigger than regular pop drinkers. There has been evidence to suggest aspartame (a sugar substitute in pop) has been lined to raising blood sugar levels, a key element in fat gain.

3) Sleep. Sleep is an essential part of our overall diet and fitness plan. Our body repairs itself during sleep and releases something called, human growth hormone, which aids in weight loss. But did you also know that on average, people who don’t feel well rested tend to eat an additional 300 calories a day?? When our bodies are sluggish, our metabolism slows down to conserve our energy resources. It also triggers our cortisol levels which increases our appetite. So next time you want to stay up late to catch your favorite program, PVR it and enjoy a restful sleep.

4) Turn down the heat. It’s a fact, when our bodies are cold, they will burn fat to heat us up! Our muscles contract and use stored fat to help heat us up. So turn the thermostat down a few notches, save some coin while you’re at it! Or enjoy a brisk walk in the winter weather. These are all simple tips for losing weight with an easy diet and fitness plan.

If you’re someone wants to learn how to lose weight quickly, then ImpactFitnessInc.com is for you. We show you how to lose weight with diets that work. Learn from the pros who train the pros.

Transition from Military Life to Small Business Careers

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Perhaps one of the most challenging career and employment situations imaginable takes place every single day when individuals serving in the military prepare to move from military service to a new career. This involves thousands of motivated government employees who at first glance should have absolutely no trouble in obtaining an appropriate job. It is hard to imagine any prospective employees who would have more motivation to work hard and succeed in whatever they do.

Despite initial appearances, military personnel are currently experiencing a high unemployment and underemployment rate. Perhaps because of this or outdated assumptions about the value of all forms of college education, the first step in military transition to business careers is often a decision to obtain a college degree. This can prove to be the right move in some cases, but it can also become an expensive mistake.

The difference between education and training is frequently misunderstood by many people, and such misunderstandings probably contribute to a disproportionate percentage of career choices focusing on educational institutions instead of more specialized (and much cheaper) career training programs. While advanced education has a special place for specific purposes and goals, it is simply not the best career choice in a surprising number of cases. One of the best possible illustrations of this dilemma occurs when someone is departing from the military. In this situation, education can appear to be the “easy” decision. But with more scrutiny, training frequently emerges as the “smart” decision.

Just as specialized business training is usually one of the most cost-effective strategies available to small businesses, the selection of a practical career training program will often prove to be a more cost-effective military transition alternative in comparison to other options that include lengthy and expensive university studies. It is true that the most viable and appropriate training choices will require some investigative time and effort to evaluate thoroughly. In large part this is due to the fact that colleges and universities have extensive marketing resources to advertise and persuade while the less well-known training opportunities are more of a “word of mouth” situation.

For example, one of the most effective career training situations devotes no resources whatsoever to advertising and lobbying. In this case the program leads to a small business finance consulting career. Because overhead is much less than the highly-capitalized universities, the cost of such services are understandably much less. Unfortunately it is not always true that you get what you pay for, so a prudent military transition will require due diligence from start to finish.

Stephen Bush has provided candid business advice to small business owners for over 30 years. He specializes in business negotiating and business proposal writing. Steve offers career training programs for small business finance consulting throughout the United States and Canada. He is a U.S. Navy veteran who works directly with individuals leaving military service and helps with the transition to a small business career.

The Accounting And Finance Bsc Degree At The University Of Southampton

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The Accounting and Finance BSc degree course is designed so that you will study the core concepts and methods of financial accounting and management accounting across all three years, supplemented by appropriate topics from the field of finance.

In year one and year two of this Accounting and Finance BSc, you will study a range of subjects that provide support for more advanced study in the final year.

You will be given a range of options to help you acquire the understanding of modern theories and empirical evidence relating to accounting.

The anticipated destination of Accounting and Finance BSc graduates is management roles in a wide range of private, public and third sector organisations (including social enterprises), particularly the most innovative students.

A small number of Accounting and Finance BSc students may form their own businesses on graduation, or within a few years of graduating.

However, the intent of the programme is not to encourage too-early business formation, but to develop wider enterprising competencies that will enable employability in a range of organisations.

Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.
Understanding better quality venture creation should be the result for students who choose this Accounting and Finance BSc degree course.

The University of Southamptons Management School has an enviable record for producing high-calibre graduates who move quickly into good careers soon after finishing their studies.

The latest survey of Management School graduates showed that 89% were employed or undertaking further study six months after graduating.

Employers value the quality of our programmes and recognise the skills of our graduates. Many of our graduates go on to professional training and graduate management schemes, while others begin careers in management, accounting, finance or banking.

To discover more information about the Finance and Accounting degree course at the University of Southampton, simply visit the Management Schools website at www.southampton.ac.uk/management