Hands On Help
The NATIONAL ASSOCIATION OF REALTORS® announced a new partnership with Habitat for Humanity encouraging each of the nation’s local REALTOR® associations to sponsor and build a new Habitat home in the Gulf Coast region.
NAR will hold its annual convention in New Orleans this fall, at which time, approximately 30,000 REALTORS® will deliver hands-on help to clean up damaged neighborhoods, build 54 new Habitat for Humanity homes.
Realtors have always believed in giving back to the community and I am especially proud that the focus of this year’s national convention will be serving the community we are visiting.
Thinking of buying or selling a home? Visit my website. Here you can view all real estate listings.
I thought you might appreciate a reminder that Mother’s Day is this Sunday, May 14. You have probably given flowers, candy, cards and all the other traditional gifts. A new idea is to give the important mothers in your life a Vermont Teddy Bear.
These adorable bears are hand-made in Vermont and guaranteed for life. I don’t know a woman who doesn’t like a Teddy Bear…doesn’t matter what age we are.
You can purchase you Teddy Bear by clicking here.
Thinking of buying or selling a home? Vist my website for the current market value of your home or to view all local real estate listings.
BIG RIVER DAY Saturday June 10, 2006 Come and Join the FUN!!!
Canoeing, Fishing Derbies,
River Clean-ups, Storm Drain Marking & More!
Marine City Fishing Fun Day: (10am – 1pm) Free fishing at Broadway Park on the corners of Water and Broadway streets. Fishing poles, tackle, and bait provided. Informational literature on Michigan’s fish and reptiles available. Children under 16 must be accompanied by an adult. Contact: Marine City Recreation at (810) 765-8094 or mailto:[email protected]?subject=Marine .
Marine City: Wastewater Plant Tours (8am – 11am) Have you ever given thought to where your dirty water goes after it leaves your house? How does it get cleaned? Find out during this unforgettable tour. Located at 1696 South Parker Street (M-29). Contact: Jeff Wren at (810) 765-9011 or mailto:[email protected]?subject=Waste
Visit My Web site, http://www.wynnea.com/, for more information or Call Wynne on cell 586-260-7653
If you purchased a home in 2005, you will need the HUD-1 Statement from the closing on your new home, when calculating your taxes. This is the document itemizing the monies at closing. Your accountant or tax advisor will be able to tell you which of your closing costs are tax deductible.
The mortgage interest that is reflected on the HUD-1 is not calculated in the interest reflected on your year end statement that you will receive from your mortgage company. So, be sure to add the interest in the HUD-1 to other interest paid for the year.
If I can help with any other questions concerning the purchase of your home last year or if you are considering buying a home this year, give me a call, 802-226-8022. I’m glad to help. Or visit my website, www.ISellVermontRealEstate.com. You will find a wealth of information there.
A friend of mine was just a victim of Identity Theft. Someone got her my credit card number. They made 2 credit cards with her number on it and used these cards to charge $500 at Bed Bath and Beyond in Rockville, Md. At the same time (within 2 hours), they spent $500 at Walmart in Lakeland, FL. My friend discovered something was amiss when she went to use her card and it was declined.
The following is a memo from my friend’s attorney to his office staff:
1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.
2. Do not sign the back of your credit cards. Instead, put “PHOTO ID REQUIRED.”
3. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the “For” line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won’t have access to it.
4. Put your work phone # on your checks instead of your home phone. If you have a P.O. Box, use that instead of your home address. If you do not have a P.O. Box, use your work address.
5. Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have it printed, anyone can get it.
6. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. I also carry a photocopy of my passport when travel either here or abroad.
We’ve all heard horror stories about fraud that’s committed on us in stealing a name, address, Social Security number, credit cards. Unfortunately I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.
But here’s some critical information to limit the damage in case this happens to you or someone you know:
1. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.
2. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).
But here’s what is perhaps most important of all: (I never even thought to do this.)
3. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.
By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves’ purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away. This weekend someone turned it in. It seems to have stopped them dead in their tracks.Now, here are the numbers you always need to contact about your wallet, etc., has been stolen:
1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) Trans Union: 1-800-680-7289
4.) Social Security Administration (fraud line): 1-800-269-0271
This all makes good sense and we are glad to be able to share it with you. So, please protect yourself!
Chinese New year starts today and it is the year of the dog.If you were born in 1934, 1946, 1958, 1970, 1982 or 1994, you were born under the dog year.According to the Chinese horoscope dog people are loyal and honest and can keep secrets. They have sharp tongues and may say things to you that hurt you. They are cool-tempered people and do not mix well at parties. They always seem to have money.Chinese New Year is a good time to settle debts and it is good to begin the year with a fresh start. That means you will see the Chinese out looking at real estate in the next few days with their friends and relatives.Gung Hay Fat Choy! (Happy New Year)