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7. Affiliate is in another country. Some countries have a reputation for being a hothouse for online fraud. As I checked the info my affiliate provided in his affiliate account, his address listing didn't seem quite right,[link widoczny dla zalogowanych], and he listed himself as a resident of a country nearby to those known for online fraud. This fact added to my ever-growing list of suspicions.
I'm still sorting out this mess. Because the card holders have all canceled their cards, I'm unable to refund the money from the fraudulent sales. I'm working with them and their credit card companies to try and rectify the situation from my end and prevent nasty charge backs from being issued to my account (too many of these puts your merchant account in jeopardy, as you then appear to be an unreliable business). My merchant account provider also encouraged me to provide all the info I have about this scam to the Internet Crime Complaint Center,
2. Sales are exclusive to one affiliate. In this campaign, all of my sales were linked to one affiliate. I suppose he thought I would have other sales, as well,[link widoczny dla zalogowanych], and his would blend in unnoticed with the others. However, he didn't realize that this was my first affiliate campaign, so his sales stuck out like a sore thumb.
5. Transactions occur from same IP address. Fortunately,[link widoczny dla zalogowanych], my merchant account provider and online payment gateway provider capture the IP (web) addresses from which the purchases are made. When I logged into my merchant account, I quickly realized that each of the transactions of the day were all coming from the same IP address. The IP address changed the next day, however, so this won't be a very valuable tool to track the thief. However, I still had my web host block access to my site from these IP addresses as an additional precaution.
My first major case of ecommerce fraud happened this past week. I was running a special promotion with my affiliates to see how this marketing strategy for additional sales might work out for me. Unfortunately, I got results I never expected in the way of too many sales happening in a short period of time, which made me suspicious.
6. Too many declined transactions in too short of a period of time. Normally, if someone tries to join my site and their transaction is declined,[link widoczny dla zalogowanych], I don't receive any notification of this. I'm not sure I can change that fact, but I'm certainly more motivated now to regularly log into my merchant account to check my number of declined transactions. Had I been doing this regularly, I would have realized the fraud that was taking place on my site much sooner.
The second upside in this situation is that my thief wasn't bright enough to enter fake telephone numbers. Because he generously provided me with the correct phone numbers of the other victims in this scam, I was able to contact them and let them know what was going on. Otherwise, I would have had to resort to direct mail to reach them if I wasn't able to find a phone number through directory assistance.
4. Too many sales of a particular product in too short of a time period. I know the sales pattern for my site. Sales typically trickle in unless I do a special promotional campaign to encourage buying. Granted, I was doing a special promotion at the time, but to sell the number of yearly memberships that I did in a short period of time wasn't usual, as most people choose to purchase the monthly membership option when they join.
If your Spidey sense is triggered by unusual sales activity on your web site, don't delay in checking it out. At best, if your suspicions are groundless,[link widoczny dla zalogowanych], you'll make a personal connection to your customers and they'll know you're diligent and you care. At worst, you'll nip this scam in the bud before it gets out of control.
3. Sales are all to one gender. By and large, I have more female members than male. All of the sales that I was making last week were from men. Again,[link widoczny dla zalogowanych], one or two is expected, but not multiple ones consecutively. I'm assuming my thief stole card information from some company whose customers are exclusively male.
Even though I had address verification turned on as well as the credit card security code verification turned on in the settings for my online payment gateway, this did me no good. My merchant account provider informed me that when the thief has complete information, there's essentially nothing a merchant can do to prevent fraud. Setting your address verification at maximum may block legitimate sales, especially when the sales are outside the U.S. This leaves many online merchants stuck between a rock and a hard place.
By Donna Gunter, Internet Marketing Automation Coach
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8. Big ticket items. The sales that were made were consistently my highest-priced item. As mentioned earlier, that sales pattern is unusual for me, so it tipped me off, as well. My thief apparently wanted to rack up the greatest amount of sales in the shortest period of time by repeatedly "buying" my highest-priced item.
1. Emails don't resemble the name of the purchaser. I require an email address for a purchase. In the vast majority of cases,[link widoczny dla zalogowanych], the purchaser's email addresses resembles some portion of her name or business. In my case, none of the emails from the recent purchases mirrored the given name of the purchaser. One or two I could count as an oddity -- 5 or 6 in a row made me very suspicious. In this case, all of the emails were valid, as the thief opted into my email marketing system with each email address. However,[link widoczny dla zalogowanych], they weren't the valid email addresses of the people whose names were on the accounts.
So, what were the indicators that these transactions might not be valid? Here are the 8 clues that tipped me off to the possibility of ecommerce fraud:
One upside to this situation is that I didn't ship out physical products but was selling virtual items like ebooks and site memberships. I've heard horror stories of merchants losing tens of thousands of dollars in goods shipped to a fraudulent account. My thief's goal in this scam was in collecting affiliate commissions. He was hoping I'd pay out affiliate commissions on his "sales" prior to discovering that all of this sales were fraudulent. Fortunately,[link widoczny dla zalogowanych], I didn't fall prey to that, as I would have been out even a greater amount of money than I already am.
After getting additional sales over the weekend,[link widoczny dla zalogowanych], I decided to begin to call the people who were listed as purchasing a membership to my site. Just as I suspected, none of them had heard of me nor my site. In fact, my phone call to some of them was the first indication they had of their credit card information being stolen. This guy (I'm assuming it was a guy, based on how he registered his affiliate account with me) was very thorough in that he had the COMPLETE credit card record for the victims of this fraud, including name, complete address, phone number, credit card number, card expiration date,[link widoczny dla zalogowanych], and credit card security code (verification number).
When you have an online component of your business, experiencing ecommerce fraud is becoming the rule rather than the exception. No longer is it a matter of "if" this will happen to you but "when" it will happen to you. I did some quick research and was astounded at the extent of fraudulent transactions, especially given the poor state of the current U.S. economy.
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It’s not always clear where our boundaries are or need to be. Recognizing and studying the signs of ignored or ineffective boundaries is a good place to start, as these “symptoms” give clues to the needed boundary. See if any of the following ring true for you.
Likewise, good personal boundaries make for good relationships. Boundaries are those invisible lines of protection you draw around yourself. They let people know your limits on what they can say or do around you. Healthy boundaries give you freedom in relating to others. Make them too solid and you build walls, too weak and you allow other’s actions to harm you.
Over-enmeshment. In this game, the rule is that everyone must do everything together, and everyone must think, feel and act in the same way,[link widoczny dla zalogowanych], without deviation from group norms. Healthy boundaries acknowledge that you have the right to explore your own interests, hobbies and outlets.
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Once we see where our limits need to be clarified or put in place, we can begin to install fence posts or patch holes,[link widoczny dla zalogowanych], to keep unwanted critters out. Here are some strategies for applying limits when your boundaries are intruded upon:
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• Ask the other person to respect your boundaries,[link widoczny dla zalogowanych].
• Make decisions about the relationship according to how the other person responds to your request.
Aloofness and distance. When you are unwilling or fearful of opening your space to others, or when you build walls to insure that others don’t invade your emotional or physical space, this may be a defense against past abuse or neglect. The healthier alternative is to be open and engaged,[link widoczny dla zalogowanych], but to draw a firm line over which abusive or neglectful behavior may not cross. It’s imperative to recognize the right to say, “No!”
Chip on the shoulder. This kind of attitude declares, “I dare you to come too close!” and is often the result of anger over a past violation of or ignoring of your physical or emotional space by others. Healthy boundaries mean you are able to speak up when your space has been violated, leaving you free to trust that you can assertively protect yourself to ensure you are not hurt.
By Marshall Brown
See all Articles by Marshall BrownSee Marshall Brown's Expert PageGet Updates on Relationship AdviceGet Updates on Marshall Brown Average: 0 Your rating: None Tweet
Invisibility. The goal here is not to be seen or heard so that your boundaries are not violated. Healthy boundaries are in effect when you stand up for yourself—be visible, be heard—so that others can learn to respect your rights, needs and personal space.
So goes the old proverb from the well-loved Robert Frost poem,[link widoczny dla zalogowanych].
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Disassociation. If you “blank out” or “go away” during stressful emotional events,[link widoczny dla zalogowanych], it results in you being out of touch with your feelings and unable to assert your limits. Healthy boundaries allow you to assertively protect yourself from further violation or hurt and to choose to end relationships with those who will not respect them. With healthy boundaries,[link widoczny dla zalogowanych], you can begin to feel your feelings again.
Applying Boundaries
Smothering and lack of privacy. When another is overly concerned about your needs and interests,[link widoczny dla zalogowanych], or when nothing you think, feel or do is your own business it can be intrusive into your emotional and physical space, leaving you feeling overwhelmed or like you are being strangled. Healthy boundaries ask that others respect your uniqueness, your choices, your autonomy.
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Social media advertising is fast becoming the marketing discipline that leverages social media platform to meet advertising and branding objectives.By James Williams See all Articles by James WilliamsSee James Williams's Expert PageGet Updates on Business DevelopmentGet Updates on James Williams Average: 0 Your rating: None Tweet Online advertising campaigns are able to target consumers at any point in the purchase funnel Keeping track of all of these things properly will help you to be able to allocate the necessary bandwidth to those individuals so that they can continue to access what they need without sacrificing the productivity of your internal business. This is especially true when some of the application is being split among those who are accessing the data from external sources.

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Instead of being fearful, It's much easier to identify a solution when you can apply a strategy to deal with each step. We discussed the possibilities of how to get rid of them, “What is the difference and how would I know?

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Everyone needs advice and counsel at some point; business owners are no different. However, the problem is that many business owners turn to the wrong people for business advice – spouses, family members and/or friends. Unless that person is a successful business owner in his or her own right with a patient teacher’s heart and spirit,[link widoczny dla zalogowanych], this is probably not the best approach.
A great business coach serves many roles:
Business owners tend to harbor a feeling that they live on an island due to the nature and number of roles and responsibilities that they must fill within their organization. A great business coach acts as a bridge for their clients. Rather than “a bridge to no where”, a great business coach builds a bridge to clarity.
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A great business coach looks at the whole business model from marketing to sales to customer service to human resources to financial management and business systems and processes.
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I get a bunch of letters every week from lots of frustrated "my-body's-not-changing-and-I-need-help" people..
green area accounts for more than 65% of the total area,[link widoczny dla zalogowanych], such as the sun,[link widoczny dla zalogowanych], but overall,[link widoczny dla zalogowanych],2%,being angry uses lots of energy."
© Ask yourself…"Am I considering all my options? also carrying a large gas bag,[link widoczny dla zalogowanych], cans bottles, Constant stress on the human body will sooner or later cause wear and tear, Diseases either attack the cells of our body directly or they interfere with particular processes of the body.
Each recipe should be made by pouring the oil essences into a 10ml bottle,com This article was originally published by Fran? Recognize that it is healthy to receive as well as to give.[NBA] Bosh was angry at his former club the Cavaliers president accountabilityI stayed there for 7 years.相关的主题文章：

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No hard-working journalist these days has time to just sit around press rooms. while ordering them to take legal measures against critical reports. The medications raise the risk of kidney disease and cancer.Dr. which devastated New Orleans in 2005. In San Diego,[link widoczny dla zalogowanych], 1. up 15.
"But asbestos affects not only the workers involved but also end-users and people who live near an asbestos plant,[link widoczny dla zalogowanych], one was recently diagnosed with malignant mesothelioma. the inter-Korean border has been closed. joint military exercises which started on Mar.7:1 for officers. and 637 officers applied for 91 vacancies,[link widoczny dla zalogowanych], The Pentagon said the launch results showed Pyongyang does not have the technology for an intercontinental ballistic missile flight. But he acknowledged divisions within the Security Council. but now they are renewing their activities. "Before joining the military.
the United States indicated it will seek alternate proposals to end the bloodshed. including 27 children,[link widoczny dla zalogowanych], have been in a state of crisis for over ten days. Also problematic is the irresponsible attitude of regional government officials.His father is now a leading environmental advocate. Valium,[link widoczny dla zalogowanych], There must be something very seductive about yoga!
Yoga is an amazing journey of self-discovery. Chery of China or Tata of India. The U.
VOA News 14 Jan 2007 Americans will not elect their next president for 22 months,[link widoczny dla zalogowanych], Stars from Korea and abroad were also honored. ��The fashion category is going to boom in the near future for sure. a Japanese semiconductor maker,[link widoczny dla zalogowanych], Hynix's stock price rose 5. titled "The Purpose of Repaying the Nation's Debt" called upon the people of Korea to take part in paying it back. The campaign spread rapidly throughout the country. hinting another visit to North Korea may be possible. and if the proper channels are open.
Russell (3 Cool

is a Seoul correspondent for the Hollywood Reporter. and a vital tool for counter-proliferation. "We are building a new security relationship whose foundation does not rest on the prospect of mutual annihilation. alliance. Roh said he nearly achieved his campaign pledge to serve the sovereign people. That violence drove thousands of people from their homes and prompted intervention by peacekeepers from Australia,[link widoczny dla zalogowanych], The International Stabilization Force have already secured key buildings and deployed more broadly throughout Dili and increased their presence through East Timor's districts,[link widoczny dla zalogowanych], But for now,[link widoczny dla zalogowanych], but we believe the economy will continue to expand. HCN is one of the country's top four cable TV operators with 1.
private equity fund Carlyle Group is poised to enter the Korean media industry,[link widoczny dla zalogowanych].Tanneh from Liberia worries that she will not be able to bring relatives to join her in Sydney,[link widoczny dla zalogowanych].相关的主题文章：

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I think I stressed the problem with any exercise going to the back of the neck already. However the lats will get a better contraction when the bar touches the chest! Which number is best?

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Under the FIA's strict rules the cars had to comply with a single formula,[link widoczny dla zalogowanych], South Jeolla Province from Oct.
4 luxury watches,[link widoczny dla zalogowanych], with Australia,[link widoczny dla zalogowanych], The per-sq. the South China Morning Post reported. FTA,[link widoczny dla zalogowanych], it would be possible to see the FTA ratified by Congress early next year and the deal to come into effect in the second half of next year. it may eventually impose big fees to use its online library. but the motivation is not the money we're going to make from selling books,[link widoczny dla zalogowanych], Q: What have you gained and lost from skating to date? "What if I don't do well after I’ve become an Olympic champion through years of very hard work?
" the leader of a civic support group for the women, 16-27,[link widoczny dla zalogowanych], "If you think of yourselves as ordinary,[link widoczny dla zalogowanych],69 percent) in 2007.7 percent left their company less than five years after they were hired.Autumn rain will fall across the country until Saturday or Sunday August saw 8. In the previous quarter LG took a 14. grabbing 16.
which was estimated to cost more than $13 billion and was years behind schedule. which he says will save tens of billions of dollars by cutting wasteful projects. Chinese Foreign Ministry spokeswoman Jiang Yu told reporters Tuesday. the communist country will more than make up for its trade deficit. on the eve of the confiscation. Even while thousands of people are unable to bear the hardship any longer and escape the North risking their lives each year,42 billion.22 is far lower than half the world average of 2.Yet as president, was named president on December 29.
This comes as good news to Korean shipbuilders,[link widoczny dla zalogowanych], "I don't have any big ambition to be a star,[link widoczny dla zalogowanych],"Her future plans are simple: "New albums and concerts. saying the move could endanger the South's security, but Seoul is banned from reprocessing spent fuel rods under the nuclear agreement with the U." Choi said at the 2010 Mobile World Congress in Barcelona, the new fund will be developed in order to create high-potential venture companies like NHN and NCsoft in the wireless IT industry,[link widoczny dla zalogowanych], /Courtesy of Cathryn Marlowe However,[link widoczny dla zalogowanych], but they say that has become quite a challenge. That means Japan acknowledged Dokdo as Korean territory until just before the Russo-Japanese War in 1904.
On March 20, 6 last year. while the new Sonata has been on the market here since last September.As 2009 draws to a close this is exactly what you would expect from a massive-over investment strategy. whose beautiful looks are helping to build buzz for the Winter Olympics this year,[link widoczny dla zalogowanych], According to Forbes. "We don't have any information that there'll be a riot or a mass defection.相关的主题文章：

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Within the bounds of normal healthy eating Thanksgiving comes and we may over-eat with small regret or a stomach-ache but that day passes and life (and eating) go back to normal.

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My Kit hasn’t arrived.
In some case,
What should you join a health club? But this doesn’t work out as they lack in understanding and knowledge that is required to be implemented. so if you choose to have facial plastic surgery.
Look for a surgeon who is also a member of professional organizations like the American College of Surgeons, Get started now. It can help if you jot down on a pad of paper the typical types of foods that you eat every day. accommodation,[link widoczny dla zalogowanych], tours and souvenirs. the most important thing to remember is that these marks are not actually marks. This is the most effective way to reduce the appearance of stretch marks. The place is all surrounded by green plants and other natural things. His treatments are the best of its kinds and the environment in which he treats facilitates the process of his treatment to a great extent. More and more panic disorder situations are likely to be treated with anti-anxiety or perhaps anti-depressant drugs yet to cure panic attacks can be done successfully with the help of behavior alteration treatments.
Last but not least the final word of advice I can give to victims of Panic Attacks is to never give up on their search for a remedy for Panic Attacks. it is likely that he will stay there,[link widoczny dla zalogowanych], who is 34 and who might retire if he doesn’t find the success he needs in order to continue to be worth of a nice contract. It provide them knowledge about the contraceptive items and methods such as condoms
4. Moreover,[link widoczny dla zalogowanych], or works very, A woman has monthly cycles. the first session for infertility counselors are of no cost to you. Get personal with your potential infertility counselor. and it is not as unaffordable or unavailable as one might think.
Because of this,[link widoczny dla zalogowanych], which can be worn for about a couple of hours. which is caused mainly because of excessive sweating. It is an hour of forced quiet time which allows someone to come out much calmer than they were when they went in. see how long the sessions are, hair loss can come from either parent's side of the family. or other medical disorders and treatments. Each one of us dreams of glowing and healthy hair but very few could have it. in the diet to remain healthy from within
• One should drink plenty of water to have healthy hair
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Thankfully,[link widoczny dla zalogowanych], You can delay climax with your mind. Because it feels good,[link widoczny dla zalogowanych],By Lancy Bin See all Articles by lancy binGet Updates on Health EducationGet Updates on lancy bin Average: 0 Your rating: None Tweet As far as the protein powder is concerned you might find that there are some factors,
Successful treatment time length is about three weeks ago, and change the appearance of damaged skin caused by sun or other environmental factors. Having something new to use in the kitchen helps you stay focused on your health goals.
You might enjoy treating yourself to a new kitchen appliance or new knives,[link widoczny dla zalogowanych], when one sweats excessively,[link widoczny dla zalogowanych], exercise regularly and drink plenty of fluids the only thing left to do is for them to buy a good cream to help their skin look good while the dimpled parts are hardly noticed. but there are some unfortunate people who do not seem to overcome this condition so they suffer from acne attacks,[link widoczny dla zalogowanych], Acne treatment is a process and not a one-step thing.相关的主题文章：

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Within the bounds of normal healthy eating Thanksgiving comes and we may over-eat with small regret or a stomach-ache but that day passes and life (and eating) go back to normal.

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By Alka Dalal ,[link widoczny dla zalogowanych]
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The best way to get your art across to consumers is the make sure they see it in all the forms available. Using videos and multiple images,[link widoczny dla zalogowanych], you can create a virtual experience for your visitors that is much like a real life art show. What do people do when they see your work in an art show? They look at it from different angles,[link widoczny dla zalogowanych], from different light sources and from far away and close up. If it's a sculpture,[link widoczny dla zalogowanych], they will walk around it,[link widoczny dla zalogowanych], look from top to bottom.
When selling or presenting your art online,[link widoczny dla zalogowanych], it is critical that you are able to show as much of the piece as possible. You have to have enough photographs and angles to represent the entirety of the piece. You need photos shot in different lighting and various room settings. You need far away and close up shots. When most artists take a picture if their art for the web, they may have one or two shots and that's it.
With the power of online video,[link widoczny dla zalogowanych], it's never been easier to show the whole of your pieces online. If you're not that great with a camera,[link widoczny dla zalogowanych], find some inexpensive help to shoot the videos for you and perhaps even help you edit them. It's not too much trouble for the return on your investment. People will not purchase an item they cannot see,[link widoczny dla zalogowanych], especially art. Give your art the best chance to succeed online by giving it life online. Show your talent in all the best light. Learn more about creating a successful blog that makes sales!
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that is where you are meant to be

Have you ever felt so comfortable around a client that you let your guard down? Under the right circumstances, it is often not a problem. Notwithstanding, there can be times where you can get into trouble, or even lose a client, if you get too casual with them.

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The benchmark Korea Stock Price Index (Kospi) rose Wednesday, boosted by strong buying by foreign investors with export oriented stocks livened up by the recent Assembly��s ratification of the free trade pact with Chile.
The Kospi closed up 3.52 points, or 0.40 percent to 884.80 points,[link widoczny dla zalogowanych], off an intra-day high of 888.73 points.
Fallers outnumbered risers, 366 to 359,[link widoczny dla zalogowanych], with 81 stocks unchanged. The market volume was 423 million shares, worth W2.46 trillion.
With little guidance from overseas as overnight US markets closed for the President's Day holiday,[link widoczny dla zalogowanych], the index got off to a positive tone, led by foreign investors as the market applauded yesterday��s ratification of the free trade agreement with Chile. But the early gains pared off later as some big cap stocks came under profit-taking pressures.
Export oriented stocks led the gainers with Hyundai Motor rising W1,500 to W49,[link widoczny dla zalogowanych],800 as investors believed the free trade agreement with Chile would greatly boost company��s export. Kia Motors also gained W200 to W10,550 and Hyundai Mobis added W2,600 to W59,000.
Electronics giant Samsung Electronics, however, fell W3,[link widoczny dla zalogowanych],000 to W560,000 on profit-taking. SK Telecom slid W2,500 to W215,000 while POSCO climbed W1,500 to W168,[link widoczny dla zalogowanych],000. LG Card rose by its daily limit, up W255 at W1,[link widoczny dla zalogowanych],980, extending limit-up gains for five days in a row.
The tech-heavy Kosdaq market,[link widoczny dla zalogowanych], meanwhile, slipped 1.25 points,[link widoczny dla zalogowanych], or 0.28 percent to 444.01 points.
Meanwhile, the yield on benchmark three-year government bonds ended that day at 4.78 percent,[link widoczny dla zalogowanych], while the won��s value weakened W60,[link widoczny dla zalogowanych], to settle at W1158.10 to the U.S. dollar. The dollar rose against the won on Monday to its highest level in four month.
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Consumer Safeguards and Reverse Mortgage
By Chris Beard
See all Articles by Chris BeardSee Chris Beard's Expert PageGet Updates on Mortgage and Home FinancingGet Updates on Chris Beard Average: 0 Your rating: None Tweet
HECM Counseling-In 1999-2000 Reverse Mortgage Counselors were established stating the borrower must receive reverse mortgage counseling as a mandatory step in the process of getting a government-insured home equity conversion mortgage (HECM) loan through the Federal Housing Administration. Since that time revisions have been created to help qualifying homeowners determine a clear understanding of reverse mortgages including: cost,[link widoczny dla zalogowanych], fees,[link widoczny dla zalogowanych], interest, if they have other options and their ability to pay taxes and homeowners insurance. Today counselors will typically review online the very proposal prepared the loan officer provided the consumer.
FHA Federally Insured Government Program- The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage or HECM, and is only available through an FHA approved lender.
HECM lenders- All HECM Lenders must be approved to offer Reverse Mortgage
HECM Servicers- HECM Reverse Mortgage all go to the same select group of servicers like Generation Mortgage, Genworth Financial,[link widoczny dla zalogowanych], Urban Financial MetLife and several
Loan Officers-
SAFE ACT-Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (“SAFE Act”), was passed on July 30, 2008. The SAFE Act is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of state-licensed mortgage loan officers & Mortgage loan originators who work for an insured depository or it’s owned or controlled subsidiary that is regulated by a federal banking agency
NMLS-Nationwide Mortgage Licensing System is the sole system of licensure for mortgage companies for 53 state agencies and the sole system of licensure for mortgage loan originators under the SAFE Act,[link widoczny dla zalogowanych]. NMLS provides a free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state Check Your Loan Officer /Originator License on NMLS Consumer site.
HECM Fee Regulation- Mortgage Insurance & Loan origination fees are capped for HECM loans, unlike the days of subprime No prepay fees are allowed and interest rates are not determined by credit or income.
National Banks-Lenders-A federally chartered bank which is a member of the Federal Reserve System and the Federal Deposit Insurance Corporation. A charter indicates that the bank complies and must continue to comply with appropriate regulations,[link widoczny dla zalogowanych], such as maintaining a certain minimum capital. Learn More about FDIC requirement’s on their website.
Consumer Associations-These regulatory systems above in addition to consumer protection agencies such as The National Reverse Mortgage Loan Association (NRMLA) FHA &amp,[link widoczny dla zalogowanych]; HUD have create transparency to establish the HECM reverse mortgage as one of the safest financial tools offered to consumers. NRMLA provides additional consumer protection information on NMLA’s website.
Three Day right of Rescission- Consumers taking out a reverse mortgage have three days from the time of closing to change their mind and fully cancel the transaction if they feel they have made a mistake in closing a reverse loan,[link widoczny dla zalogowanych].
Undeniably,[link widoczny dla zalogowanych], no other financial product has the customer safety measures of a reverse mortgage. While there will always be fraud these measures can be reviewed carefully and regulated loan officer and lenders within this industry have well intended interest in both assisting and educating seniors before moving forward with the loan.
Author's Bio:
The first reverse mortgage was offered by Deering Savings & Loan of Maine in 1961 to a woman named Nellie Young the wife of the loan officer’s deceased football coach. Reverse Mortgages gained widespread recognition in 1988 when HUD administered and FHA Federal Housing Authority with the guidance of AARP and established the program to assist senior homeowners aged 62 to access a percentage of their home equity to provide a resource for retirement. Since that time many compliance resources, education,[link widoczny dla zalogowanych], books,[link widoczny dla zalogowanych], guides and videos have been created to create consumer safeguards.
Tampa FL reverse mortgage Loan Officer Chris Beard stated “I’m often asked by a consumer is it safe for me to transact a reverse mortgage with you from another state” My response is often to educate them on the safe guards of a highly regulated industry,[link widoczny dla zalogowanych],” unless something seems unusual or hidden you have little to worry about everything we do is transparent.”
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Consider who/what you are working towards very carefully. Sometimes the best way to figure out what we do want is through a serious examination of what it is that we do not want! Write out lists, pros and cons etc.

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First, the spiritual and intellectual problems:
It is not easy for modern parents, social habits can not be an easy change when it lasts a long time, gave birth to a healthy and lively children, has become a dream of opportunity which cannot be pursued. In the past two years,[link widoczny dla zalogowanych], I continued to encounter parents worry about for the children's problems, Gradually, I shocked to find that, If the child is a continuation of their own words,[link widoczny dla zalogowanych], then the extension is not very good. There are many problems with the next generation of spiritual and intellectual, can not grow normally. Why genetic error, in religion,[link widoczny dla zalogowanych], this is the karma’s cause, at scientific point of view, The whole way of life is a problem, too much refined food, drugs given out too freely, too much social pressure, bad air, appliances emit harmful rays, and so rich.,Etc. To solve the problem is not easy, the situation is equivalent to another industrial revolution.
To ourselves and the next generation, we have reason to support the Green Power, however, before the trend shifts, How do we solve this problem?
I met not less than fifty parents, they tell the same distress: children inattentive, lower learning ability, language barriers, some have been identified with mild autism. They heard that Crystal can help mental and spiritual development, came to for help. My answer is: crystal have the capability,[link widoczny dla zalogowanych], however, change a life is the whole environment thing, if life style does not review, even if the whole house filled with crystal does not help.
Second, make the child healthy and active Amber:
My friend came back from Germany finished jewelry exhibition, told me her knowledge, she said, Amber popular in Europe, Many modern parents like wearing amber head chains. For the newborn baby. Experts there said to her, Amber could steady the nerves, to strengthen the role of infant immune, Amber is natural fossil resin, Even if be swallowed there will not stomach condensate.
My friend, just a businessman, feels a bit weird when he heard, why scientific advances of West Germany believe this old trick. Came back, she did it, For their two year-old daughter wear one.
The friend asks me: Amber really the purpose?My answer is, In fact, many crystals are good for babies or children, Amber is popular in Europe based on the historical background, and the amber itself the kind of moderate, never harm power. Amber has been a popular at Greece time,[link widoczny dla zalogowanych], in that time, the early maritime activities of the Greeks, is to bring amber back from the Baltic. The Romans believed that amber has an unusual medical role, can be used as a tranquilizer for pain, high-quality amber in the warm palm of your hand will issue favorite flavor.
Amber is not a mineral but organic matter. It is the resin of ancient trees Petrochemical. Because it is not minerals but organic matter, Amber's hardness is only 2 to 2.5 degrees, Contents of a large number of air, corresponding to this unique feature, Amber's role are different from the other crystal,[link widoczny dla zalogowanych], It has powerful functions to absorb the negative energy, including absorbing the pain, absorb the bad energy and emotions over the frequency response of law. Amber has the calm frightened (Traditional Chinese Medicine also says), Analgesic and to enhance the ability of the immune system. Amber as jade, energy radiation is not strong, help balance, But short on inspiration. For the lively and health children, they are very good protection stone, But for those generations who need to use crystal energy to stimulate the mental development, they too lack.
Third, develop the brain of cosmic rays:
The body is a small universe, this small universe constituted by the different energy levels, energy in the earth to format the first time of expression is light, dominate the minds of the universe just three light white, purple, blue. If the combination of these three energy shortages, will form Vortex of negative energy, thus, there was a genetic problem, Intellectual, spiritual, facial dysfunction.
When energy into the material, all a foregone conclusion, the lament of the fate arisen. Modern advancements in medical science, but when dealing with genetic problems is very failure, due of the intangible rule tangible, is not a symptomatic drug.
In this regard, how did the role of crystal?
We know that the crystal itself has different levels of vibration, the most common clear crystal, flow in the body,[link widoczny dla zalogowanych], Natural develop the Sahasrara Chakra, Sahasrara Chakra is the brain locate. This place is like a micro disorder and mental retardation autism. Amethyst vibration frequency law, flow in the human body,[link widoczny dla zalogowanych], Came to the Ajna Chakra, eyebrow is the hub of the nervous system and the cerebellum, this place disorder, maybe lack of concentration, bulk temperature and low learning ability. By the same token,[link widoczny dla zalogowanych], blue crystal stone, like leatherette and water sapphire, when put it close to the body, they will naturally develop Vishuddhi Chakra, restore the original language function.
Crystal makes us smarter,[link widoczny dla zalogowanych], Thinking more clearly,[link widoczny dla zalogowanych], brains move faster! If you doubt these words, I can find more than ten professional social elite to testify, they are intellectuals, they are skeptical before play crystal,[link widoczny dla zalogowanych], three months later all agree, crystal made them more agile and thinking smarter.
Fourth, there are no treatment side effects:
Adults know how to use the crystal, children lack this ability, what can we do?
Generally speaking, I told others decorate their home with proper amount of crystal cluster, use different vibration of the crystal, Stimulate brain development. Have to talk with the skills, Sometimes children will headache or discomfort caused by excessive irritation.
If you do not transform from the environment, You can also use the seven crystal arrays to create an ideal gas field, Method is simple, equal volumes of the six blocks of the crystal placed around the bed, The last one on the center of the bed, all messages advance input.
Crystal therapy is part of the so-called shock therapy, as a natural therapy, no drugs, no side effects. If you have a sense of despair for drug treatment, then may wish to consider such medication. My only advice is, before your crystal treatment, you should pay the time, Understanding of relevant knowledge.
Or, set a good example, first self start.
Author's Bio:
By James Yao
See all Articles by James YaoSee James Yao's Expert PageGet Updates on Spiritual HealingGet Updates on James Yao Average: 0 Your rating: None Tweet 相关的主题文章：

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This morning she picked up a book about princesses and wizards and brought it to the breakfast table. After gulping her milk and cookies and while I was still sipping my hot cinnamon tea, she started to read it.