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Five Warning Signs that Your Boyfriend is a Pedophile

There are 400,000 registered sex offenders scattered across the United States, and it is estimated that 80 to 100,000 of them are unaccounted for. They’re supposed to be registered, but we don’t know where they are and we don’t know exactly where they’re living. – Ernie Allen, President of the National Center for Missing and Exploited Children to co-anchor Hannah Storm on the Early Show.

You met a fantastic fellow and have been going out with him for a couple of months. He seems like a dream come true. He doesn’t mind that you’ve youngsters, actually, he gets along good with them.

It sounds like you’ve met the man of your dreams. Or will will it turn out that a single parent’s worst nightmare?

He probably is really just an excellent man who likes kids. But consider this: most child molesters aren’t strange old guys hanging out in the bushes at the park. A lot of pedophiles are well-educated, productive in business, and greatly regarded in their communities.

How can you tell a molester then? Listed here are 5 indications:

1) He will get along so perfectly with your children that from time to time it appears like he likes them a lot more than he likes you. He wants to include them in every single outing you take and often suggests outings that should appeal specially to them.

Two thirds of all criminals in prison for sex crimes had committed their crime against a child. -BJS Survey of State Prison Inmates, 1991.

2) He calls children his “friends.” It looks like he has additional youngster friends than adult friends. Pedophiles are frequently socially isolated except for their interest in children.

Acquaintance perpetrators are the most typical abusers, constituting around 70-90% of all reported perpetrators. -Finkelhor, D. 1994.

3) He organizes and participates in things to do that exclude other adults. He wants time by himself with his intended victim. The last thing he wants is usually a supervising parent or other responsible adult close by.

Three fourths of the violent victimizations of kids took place in either the victim’s house or the offenders residence. -BJS Survey of State Prison Inmates, 1991.

4) He moves frequently and unexpectedly. Pedophiles will typically move to avoid detection, to steer clear of confrontations with parent, to discover a brand new pool of victims, to steer clear of getting arrested.

Greater than 1/2 of all convicted sex offenders are sent back again to prison inside of a year. Inside of 2 years, 77.9% are back. -California Department of Corrections.

5) There’s just “something not right” about him. If you’ve got even a feeling that anything is wrong, something may possibly really be wrong. Do not ignore your intuition just because he’s “such a terrific fellow.”

That being said, don’t forget that false accusations can also ruin lives. Don’t make accusations or spread rumors that may possibly harm an innocent man. Ascertain for sure if he has a history of predation prior to making accusations.

Know for sure. Educate yourself about what you can do to safeguard your children right now. Click boyfriendpedophile and watch the brief video.

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Rent To Own Real Estate – Positive Or Negative

Banks may not be lending but rent to own homes are booming! Rent to own homes are becoming pretty commonplace, owner financing also known as seller financing is a real estate financing technique where the buyer borrows from the seller as opposed to, or in addition to a bank.

Rent to own homes are becoming a typical way to sell a property due to the fact that it is problematic to sell properties in this economic crisis. Most of these rent to own homes are fsbo, for sale by owner. Frequently, finding a real estate agent who is willing to work with rent to own homes can be difficult for buyers and sellers. Occasionally, finding rent to own homes can be kind of hard to do.

There are various ways in which rent to own homes can come about. Generally, rent to own homes are seller financed by landlords or investors that seek to enhance their financial return by offering purchase choices to their tenants in exchange for a reasonable deposit and a rental rate premium. The majority of sellers of rent to own homes are considerably reasonable when it comes to the down payment. Sellers of rent to own homes will expect you to have bumpy credit and will know how to help. Usually, these owners with rent to own homes can compete and make the best home and terms available for you. Frequently, rent to own homes are in marvelous condition, most homes are less than 5-10 years old and at bare minimum have just been renovated. Any way you look at it, rent to own homes are an immediate answer and an intelligent alternative to traditional loans.

Due to the significant initial down payment and lease payment premium that are unique to lease option contracts, rent to own homes can be considerably risky. Common lease periods for this arrangement are three years long, though longer or shorter leases for rent to own homes are not altogether unheard of. Really, rent to own homes will allow you to finally begin earning equity in a home now. Again, if you are interested in a rent to own program then you can expect to put 5-10% of the loan amount down or if are interested in buying residential real estate properties that are selling below market value then leasing or doing rent to own with tenant buyers then rent to own is for you.

Rent to own homes can be a wonderful way to buy or sell a house in the current economic environment. Rent to own homes are a certain way to increase the financial stability of a person, and help him repair his credit. Rent to own homes are long-term rental agreement that can allow a person to buy a home with minimal financial stress. Rent to own homes are a great way for people to give home ownership a shot without actually having to get a loan. The negotiation routine of rent to own homes will be different from normal home bargaining.

Rent to own homes can potentially be a great or poor deal, depending on the contract obtained at the very beginning of the agreement. Rent to own homes can help the seller still acquire some income from the home when otherwise it may be a constant drain on the seller’s finances. Rent to own homes are a trial run for the tenant as they learn the responsibilities that come with the house. Individuals living in the rent to own homes will be expected to take care of the lawn as if it is their own and pay utilities. Rent to own homes are also a good way for you to build equity before you even own the home.

Rent to own homes can be found advertised online, in newspapers, or on street signs. Besides that, rent to own homes are available in almost any neighborhood or subdivision across the United States, but there could be a hidden risk to your arrangement, and the money you put up for a down payment. Commonly, rent to own homes can also be the perfect solution for those who have gone through bankruptcy, divorce or any other types of financial hardships that may prohibit them from meeting stringent requirements put fourth by banks and other lenders. Rent to own homes can essentially help you get into a house without having to go through all the hassles that are regularly involved.

Repossessed And Off Lease Work Trucks For Sale With Special Financing

Repossessed and off lease work trucks and commercial trailers are offered for sale with special dealer lending at condensed prices by dealerships, purchase management companies and auction houses through out the United States. These repo and off lease specialist companies have joined with local and/or regional institutions to move these work truck repossessions.

Hard cash buyers have the greatest opportunity to obtain the work truck repossessions for sale at the lowest price. These repossessed work truck listings are spread out across the Joined States enabling all upcoming clientele to take part in these specials. These work truck repo specials are presented to wholesale dealers by institutions but these banks will furthermore contemplate offers from the general public.

These lenders and all other banks are holding listings in their repossessed and off lease work truck inventories and they must reposition these repossessions due to the factor it is impairing their currency flow and working capital.Many lenders and institutions are having financial difficulty due to this downturnand have unnecessary repos on their books that they must get into shape them and re-lease them.

Also to these work trucks that are for sale, many participating banks, banks etc are participating with dealerships to offer these work trucks with favorable lending. Many financial institutions have taken into consideration present economic terms} and have commicated to the dealerships to offer very low down and nominal credit values for the patron. In essence, an applicant with credit in the 500s and a small down payment is elibible to qualify for several special leasing. Past discharged bankrupticies have unobserved as long as credit has been re-established.

A signed and dated application will be required plus the summary page of your last three months business or personal financial institution statements might be mandatory}. A filled out hauling reference will be essential by the bank to ascertain that is a good present income stream to support the work truck leasing obligation.

Also, there are some no credit check programs for the financing of semi trucks. These dealerships are more concerned in the down payment, the driving history of the applicant and the present-day capability for the owner operator to pay furnish the loan. They may have a special application for the applicant and properly want a hauling reference and a nominal down payment of $3500 to $4000.

The inventory of repo work trucks and commercial trailers below aren’t all comprehensive

Dump trucks, semi trucks, sleeper cabs, tow trucks,, boom and cement trucks, day cabs, car carriers, concrete trucks, flatbed trucks, reefer and dry van commercial trailers

This is fractional list and if you dont see what you want, get in touch with us for added details.

In conclusion, this is customer’s marketplace for the asset of a work truck and its related financing. If you have good or high-quality credit the alternatives for you to acquire coventional lending is still obtainable. You can still deal with the alternatives for a repossessed work truck as well. For the challenged individual with bumps and bruises on their credit, don’t dispair, there .are numerous leasing programs in this secondary repo and off lease work truck financing market for you.

Happy hunting for your repossessed work truck and its related lending.

How Bail Bonds Agents Earn A Living

When a person is arrested in the United States, he or she is often afforded the opportunity to post bail. The process begins when a friend or family member pays money to have the defendant released. The money is held as a type of insurance that the person will come to court to answer the charges against him or her. If the defendant does not make his or her court date, the money will be forfeited after certain number of days.

What Are Bonds?

Because most defendants and their families cannot afford to pay the court, they often turn to bail bond agents for help. A person who sells these written promises is essentially a gambler who bets that the accused will make it to court on time. And since most defendants do, the agent lends them money at a high interest rate in the form of a bond.

Why They’re Risky

If all goes as planned and the defendant comes to court, bail bonds agents make a hefty profit by loaning money in an emergency situation. However, if the accused misses his court date, it is up to the agent to track him or her down. Missing a court date is often referred to as “jumping bail,” since it means that the person who posted the money could lose it. To ensure that this does not happen, agents employ bounty hunters, whose job it is to track down clients who have skipped town. The bounty hunter receives a percentage of the posted amount if he or she can successfully bring the fugitive to justice.

Why They’re Fair

While there is always a risk that a defendant will not show up in court, the system was created because it is unconstitutional to hold a person without trial for a protracted period of time. Since most courts have long backlogs of cases, it can take weeks, even months before the legal system gets to a new case. Remember, a defendant is innocent until proven guilty under US law, which means that bail gives potentially innocent people the ability to live their lives as they await trial.

How Much They Cost

Since all bail bond agents charge a percentage fee, the price depends on the size of the bond. More often than not, bonds are quite small and are used to cover relatively minor crimes that the defendant’s friends and family cannot afford to pay for. Though rates do vary, the standard fee is about 10 percent of the bail. So, if the amount were set at 10 thousand dollars, the defendant would have to pay the agent at least one thousand dollars.

What They Require

When bail is posted, it is often referred to as a surety bond, since it is meant to assure the court that the defendant will stand before a judge. If he does not, the burden of producing the fugitive falls to the bondsman. If he cannot track the defendant down and the police don’t nab him in a certain number of days, the bondsman will lose his investment.

Although a fairly risky profession, bail bonds agents can earn a nice living if they make the right deals.

When looking for professional bail bond agents, NJ residents visit Lucky 7 Bail Bonds. Learn more about our services at

Semi Trucks, Big Rigs And Over The Road Trucks, Special Financing

Semi Trucks, Big Rigs and Over the Road Trucks special financing opportunities are available to the startup and seasoned businesses as this banking crisis continues Never before have we seen so many repo semi trucks available for special acquisition and financing, a lenders nightmare.

Banks are changing their lending requirements every month for new and seasoned businesses. Some have so many repos on their lot, they are trying to negotiate for the customers that are behind on payments not to return their trucks. They are deferring payments and trying to keep their banking business afloat in this tightening credit market All lending Markets are tightening their credit until they see what Congress will do with this liquidity meltdown. Truckers that want to acquire semi trucks, call your brokers, agents, lenders for details.

As of October 1,2008, start up and seasoned businesses have an unique opportunity to acquire an attractive deal for semi trucks, big rigs and over the road trucks. The first option, for the buyer,is to visit their local dealer and find their truck there. This is great place to start and obtain pertinent information that will be used later in the data gathering process. From there, it is recommended searching the internet and its mass volume of data that is available. The potential buyer can visit such sites as truck paper and trucktrader etc to view thousands of listings of trucks available across the United States. He is able to sort and sift through this vast data and should be able to find a truck, in any city and/or state across the U.S, that meets his acquisition requirements. Once he has located a source of trucks available to him, he is able to contact these sellers and negotiate a deal that might be able to meet his needs. Once he is agreed to a price and its particulars, his next hurdle is to find adequate financing in today’s complex lending world of this commodity.
Today, the financing arena for semi trucks has become much smaller. Lenders, in the past, that use to finance this niche market have either pulled their portfolio funds out of this area or have modified its’ lending requirements. It is not unheard of today that a start up business must commit to a down payment of between 10% – 30% of the acquisition cost of the truck to enter this market. The seasoned business with good credit might be able to get in as little as one payment down plus documents fees but must have either A or B Credit. Other seasoned businesses that don’t meet these credit requirements, may be required to put up 10-20% down or either put up additional collateral as their credit scores fall below 600.

Most buyers don’t enjoy these tightening financial requirements, are locked out of this market, and will start looking for alternatives that are available due to market conditions. In addition to the market requirements of substantial monies due upfront, the conventional lender has modified his risk/reward factor for the failure and possible repossession of these trucks. Therefore, the rate and/or interest factor that the lender charges has gone up making it a bigger challenge to complete the financing end once the want to be buyer locates his acquisition…. As of October 1, 2008, the last three months, the lending rates have gone higher even though the federal fund rates have gone down.

As the economy has weakened due to market conditions, including diesel gas reaching $5.00 or more per gallon in certain states in the past months, the route of conventional financing has changed as we know it. The lender has acquired another problem that makes their equation a little more complicated. In the past year as the price of food has gone up, the real estate markets have taken a toll for the worse and other world factors have caused the banks to be more unstable, the trucking industry has become more volatile. As the increase of defaults on the payments of over the road trucks, semis etc have risen to all time highs, the lenders have been taking back these trucks by the droves that are earmarked as repossessions. This has caused a problem with normal lending practices and trying to balance it with a non producing income portfolio. If these lenders don’t act swiftly and prudently, the combination of these two type of portfolios can be devastating to the lenders’ bottom line. A third factor to consider is the off lease truck. These trucks are being returned to the lender and they must act accordingly with this third factor.By definition, an off lease semi truck, over the road truck, big rig etc has been returned to the lender as the lease has expired. The lessee has made a decision to return the item in lieu of exercising the buyout option. A repossession is different than an off lease because it has arisen due to a default of the lessee for non payment terms or a violation of the terms of the lease. Either way, the lender has taken these trucks back and/and now must recondition these trucks and either sell these trucks or re-lease them.

The lender can either advertise their off lease and repo inventories through their internal sales force, trade journals such as truck paper, truck trader etc or utilize outside professionals such as brokers to move their inventories as quick as possible. Sometimes, as these inventories either sit or whatever reasons aren’t moving, the lender will put these items up for auction.At the present time, the lenders have two different types of financing portfolios to consider and must act accordingly.

Normal lending on new business deals still require stringent lending practices based upon the credit markets and the risk/reward factors lenders perceive out there in the financial markets. The second type of portfolio, for the off lease and repos, require possibility a more lenient approach to liquidating their inventories prudently and recreating the income stream for the lenders. This will be discussed below.Today, some of the lenders in the financial market have advertised personal credit qualifications as low as 600, prior bankruptcy rules amended or ignored, and start up businesses welcome. Additionally, the front money to commence a lease can start as low as first payment only to whatever you might able to negotiate. Some of the lenders have application only programs up to $250,000. There are no financial statements,income tax returns or bank statements required. Additionally, some lenders may defer some of payments to get the semi trucks financed.

The buyout clauses on these over the road trucks can range from a $1.00 buyout to 10% to 20%, Trac leases to possible fair market value buyouts. One should understand these clauses because they have an impact on the passing of title.These favorable financial arrangements by the lender has stimulated the buyers wants and needs to either enter the trucking industry as an owner operator and/or possibility an expansion of a existing business. First Time buyers, whom were locked out of this market in the past, now has an unique opportunity to earn more revenue by acquiring a truck for himself. A $40,000 over the road truck might require as little as $1200 down to commence the financial obligation. Other lenders that might have required up to 30% down in the past might accept as little as 10% to acquire one of their repos and/or off leases…..Additionally, some lenders may offer favorable monthly payment terms vs standard lending to acquire their off lease and repos vs. the buyer looking to acquire a truck at a dealership..

For this article, potential deals for over the road trucks, semi trucks and big rigs for the customers relate to the following manufacturers: Petebilt, Mack, Kenworth, International, Freightliner, and Volvo.

In conclusion, this is a buyer’s market for semi trucks, big rigs and over the road trucks. One should evaluate all the factors relating to this acquisition including gas costs, air emissions, environmental type requirements.,buyout clauses acquisition costs and its related financing. Additionally, there are two distinct financing markets out there, one for the normal acquisition from the dealership and the possibility of acquiring a repo and off lease from a lender at favorable market and financing terms. As always it is advisable, if possible, to locate financing prior to truck shopping, it could save a lot of time and stress.