Not Your Typical Flea Market

Edmonton, AB has a discount market that many do not know about, its called the Super Flea Market and it’s located on 50 Street and Yellowhead Trail. This is not your typical Flea Market, what it is, is a hidden gem for shoppers. Over 70% of the products are brand new. They range from designer clothes, purses and jewelry to toys, shirts, caps and much much more.

As a money saver like many of you, I am always looking for the best deal. Even when I go shopping for groceries, I grab coupons for the products Im buying or will buy the brands that are on sale. Its human nature to do this, everyone does, so dont be afraid to save a buck or two. That is why I go to flea markets on weekends as they have come along way from the garage style environment to basically mini money saver malls.

The Super Flea Market is owned and operated by Marwan Moussa has transformed the old age garage style market to a modern mini money saver mall, chalk full of new products and services. He has 2 locations and each one has its own food court. Talking to John Pottie, manager of the northside Super Flea, he tells me people are lining up to get booths and tables for this place. Where do you find that?

I have talked to many of the vendors there and they tell me that they wont leave because the atmosphere is clean and the traffic is steady. This is a good sign for success. There are video game vendors, computer repair shop, cell phone store, coin vendors, these are vendors that you would not regularly see in a Flea Market.

So, my whole point here is, if youre looking to find a great bargain on new products, dont pass up flea markets as they just might surprise you. If you live in Edmonton, AB, Canada or surrounding area, I suggest you stop by on your weekends as you will probably find things your looking for but at a great deal!

Steps to Owning Bank Foreclosure Properties

Owning bank foreclosure properties is a simple process which anyone can undertake without the help of agents or brokers. There are real deals to be made in buying one of these distressed properties as long as the buyer approaches the entire affair with diligence and caution.

The process for buying bank foreclosure properties begins with research. The best place to start is the Internet where there are multitudes of web sites providing listings and information on foreclosures. There are free sites that offer country-wide listings but they are highly susceptible to inaccuracies. Your best bet would be the web sites that charge for subscription. For a small investment you get access to all types of foreclosures all across the country as well as news and studies on the market. You can customize your search in these sites to yield only the properties that suit your needs and buying capability.

Once you have subscribed to a web service offering foreclosure listings and before selecting your main prospects, you need to prequalify for home financing first if you do plan to pay for your purchase in cash. You can go to your bank and submit for a financial assessment to know the kind of loan and the amount you qualify for. You need this pre-approval certificate when you make your offer.

The Value Appraisal

If you have selected the home you would like to purchase you need to get an appraisal of the value of the property or at least the most likely price of the home compared to others like it in the market and the neighborhood. Bank foreclosure properties are typically sold at around 20 to 30 percent less than their market value.

The Offer

A typical offer for a bank owned home comes with good-faith money given upfront which can be around three percent of the purchase price. Your loan pre-qualification document should also be included in your offer. After your offer is accepted the deed of sale is drawn up. Some important matters to take care of at this point are the inspection period and the closing date as this could impact the overall cost of your purchase. The bank will allow an inspection contingency phase where buyers can cancel their purchase based on the inspection results.

Bad Ways to Make Money Fast

Make money fast and easy is always a good reason that motivates many people get online every day. If you are one of them, there are three online money making programs you should keep off. They will cause you to lose a great deal of time. Unfortunately, these programs have sign-up rates very high because they are free to join and sound so attractive.

1. Get paid to read:

‘Get paid to read’ programs works like this. After you have signed-up “get paid to read” program, you get emails from them. There is a link in those emails. And your job is to click on that link to visit advertiser’s website. You have to wait for 60 seconds or so before your account gets deposited. This sounds pretty good, right?

The fact is that you will hardly get paid from these programs. If you are lucky, you can find out and join legitimate GPTR programs. However, these legitimate programs often pay from 1 cent to 5 cents per email that you have read. That’s why you just get several bucks at the end of a hard working month. If you ask me, I will say that it’s not worth your time.

2. Get paid to surf:

This works like ‘get paid to read’ programs. You surf websites of advertisers and get paid for that. However, you will also never get paid. So, this type of program is not ideal way for you to make fast money online.

3. Get paid to do surveys:

‘You can make $100 / Day Taking Surveys Online’ or something like that has been advertising on lots of websites out there. There are really companies that pay you a small fee to complete their surveys. However, most of them pay you points or sweepstakes entries instead of cash. In addition, you need to be qualified before doing any surveys. The funny thing is that you will not qualify for most surveys.

So, don’t try to make money fast (MMF) with online surveys anymore because that’s only a time wasting way.

If you really want to MMF, you have to invest some time on reading articles related to how to make money online and how to make fast money. Doing this will help you reap knowledge and experiences of other people as well as realize how to find good and legitimate opportunities in order to make money fast online. If you have concerns with any opportunities, you can look for your answers on google or popular forums.

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Learn More About Life Insurance Fraud

Life insurance fraud refers to illegal acts committed by those buying or selling life insurance policies. In-vestopedia defines five different types of buyer life insurance fraud, from accidental suicides to falsifying medical records. Find out more and learn about two of the more famous cases of life insurance fraud.

Types of life insurance buyer fraud

Post-dated life insurance: a policy that is purchased after the death of the insured person but appears to have been issued before their death.

False medical history:Withholding information about existing medical conditions, whether or not you smoke etc constitutes one of the most common types of fraud. Coming clean with your provider might mean that your premiums are more expensive but this cannot outweigh the risk of reduced or rejected claims. It is not uncommon for unscrupulous doctors to falsify medical records on behalf of buyers.

Murder for proceeds: In this instance the insured person (spouse, business partner etc) is murdered for their life insurance cover or a policy is taken out in somebodys name without their knowledge and they are subsequently murdered for the life cover payout.

Lack of insurable interest: Insurable interest stipulates that in order to buy a life insurance policy in somebodys name you have to be able to prove that that persons death would cause you financial distress.

Suicidal accidents: This occurs when a person commits suicide but tries to make it look like an accident in order to ensure that their family can claim their life insurance cover.

Faking death or disability:It is not unheard of for someone to fake either death or disability to claim insur-ance payouts for themselves or their families. People have also created fake identities which have been killed or died with the family claiming life insurance payouts.

Famous cases of life insurance fraud
John Darwin, a British teacher and prison officer died in a canoeing accident in 2002 but was discovered alive and well and arrested five years later. His wife, who had claimed his life insurance payout, said he had been secretly living in their house and the house next door. Both were sentenced to over six years in prison.

In 2008 Helen Golay and Olga Rutterschmidt were convicted of the murders of two homeless men, Paul Vados in 1999 and Kenneth McDavid in 2005. Both murders were staged as hit and run accidents. Multimillion dollar life insurance policies had been taken out on the men by Golay and Rutterschmidt.

IRS Pursues FBAR Foreign Bank Account Reporting of U.S. Taxpayers

Undisclosed Offshore Accounts are being hunted down with FBAR (Foreign Bank Account Reporting) information requests of U.S. Taxpayers suspected of hiding assets in the wake of the UBS AG fallout and IRS Offshore Settlement Initiative.

What is in store for undisclosed account holders?

In 2009, the IRS and U.S. Department of Justice commenced a highly publicized investigation into Swiss bank UBS AG and U.S. account holders who essentially hid their assets from the U.S. Government. However, the investigation did not conclude with UBS. To entice taxpayers to come clean and disclose their foreign assets in exchange for lesser penalties, the IRS instituted the Offshore Settlement Initiative Voluntary Disclosure Program (the Initiative). Although the deadline to participate in the Offshore Settlement Initiative is long gone, it is clear that offshore tax evasion will continue to be a top IRS enforcement priority. Now, what can U.S. taxpayers with undisclosed offshore accounts who did not make the October 15, 2009 Offshore Settlement Initiative deadline expect coming up?

The IRS will be ramping up their Information Document Requests or IDRs targeting offshore bank accounts.Taxpayers may receive a Form 6564, Information Document Request, to obtain necessary books, papers, and other information relevant to the IRS examiner inquiry into the truthfulness of a tax return. The Information Document Request is a proper and structured process for the IRS to request and get information from taxpayers, including information regarding offshore bank accounts. Although not as formal as a subpoena, an IDR carries with it consequences for failure to comply and can lead to further inquiry and possible sanction.

The IRS will focus Information Document Requests on U.S. taxpayers with offshore assets and accounts that failed to disclose these interests to the U.S. government on their Form 1040, U.S. Individual Tax Returns, and file a corresponding Form TD F 90-22.1, Foreign Bank Account Reporting FBAR. If IRS agents discover that a taxpayer has not reported an interest in an offshore account or income accruing on such accounts during the course of an audit, the IRS may impose steep penalties including the greater of $100,000 or 50% of the offshore account balance for willful failure to file an FBAR for each account. These penalties, compounded with interest and fraud penalties, can essentially wipe out the taxpayers foreign assets. Additionally, taxpayers could be subject to criminal prosecution and jail time for tax evasion.

The issues surrounding these IDRs are extremely delicate and should be approached with considerable caution. Taxpayers who have been sent an Information Document Request by the IRS are best served by getting in touch with a tax attorney who is experienced at resolving disputes with the IRS quickly. An attorney can direct the taxpayer how best to answer an Information Document Request and will be able to talk with his attorney the most appropriate course of action. Otherwise the Internal Revenue Service can seek formidable fines and possible criminal prosecution against those U.S. Taxpayers believed to be hiding assets in undisclosed offshore accounts.

Stock Trading Advice For Newbie’s

Are you a beginner stock trader? Most people who just start out trading stocks are turned on by the glitz and the glamour of the lives that these high profile traders live. Don’t be turned on by this because it will hurt your trading abilities. When it comes to stocks the first thing you need to understand is that market research and company analysis isn’t everything. The most important part about trading stocks is that you are aware of what is going on around that company. How many fake trades have you made to date? If you have not made at least 20 fake trades then you really aren’t ready to start trading for real money. There is a difference between trading stocks and investing money in a retirement account which is all stocks. You control your portfolio here and that is why you need to know what it takes to trade successfully. Fake Trades: Fake traders are where you chart on a piece of paper when you make a trade, what the price per share was, how many you bought, when you sold it, what the share was at, and what your profit/loss was. The best part about doing this is you will be able to test out your strategy. Tips for beginners Start small – The first thing you need to understand when you are beginning is that you should start small. Never invest more than you can afford to lose and never invest all your money in one stock. Buy trusted companies – When starting out never buy speculative companies, always buy from companies that have been around for many decades. These companies are more reliable and are much more likely to be around for the next decade. Research – Research is everything. If you don’t do research on the company that you are buying into then you are going in blind. Make sure you know everything there is to know about a company prior to buying the stock. Don’t be greedy – The last thing is that you just can’t be greedy. When investors are greedy they normally lose a lot of money, don’t be like that, take your profits anyway you can get them. Being new isn’t a bad thing, but you need to realize that you don’t know everything and that you will need some .

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Credi Corp Securities Alternative Investment Strategy – Offshore Investments

Investing funds offshore of one’s home country, there is an immediate benefit of protection against the troubles of the country’s market or currency. Offshore investing can take many forms. Alternative investment vehicles often include a component of offshore investments, such as offshore real estate, or offshore farm land and agricultural production, or even offshore gold and silver storage.

Here at Credi Corp Securities we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.

Credi Corp Securities: Advantages of Offshore Investments as Alternative Investment Vehicles Offshore investing once was for the ultra-wealthy, those sporting net worth’s well North of $10 million. Now almost anyone can move funds into the more exciting and potentially profitable world of offshore investments. Knowledge of how to enjoy the advantages of offshore investing is much more expensive and rare than with standard home country investing however.

As an alternative investment, moving funds out of your country of origin has largely been a winning trade for the past decade when calculated with currency fluctuations. China, Brazil, and India have all offered higher returns during bulls markets then the U.S. stock indexes over the past decade for instance. While these markets can be played with ETF’s, there are several key shares that must be purchased using offshore investing houses.

Some of the key advantages of offshore investing within an alternative investment framework include: Higher potential returns than the domestic market, much broader range of stocks to choose from, often better pricing than domestic ETF’s, early availability of smaller capitalized issues, protection against single market dependence in real estate, stocks, weather effects, political effects, and currency devaluations.

Much like domestic investing, offshore money management can steer towards main line investing in big projects or companies, or more towards alternatives to the main companies. While the risk can be greater with alternative investments, the rewards can be significantly higher and come much faster with a systematic approach to evaluating alternative investing ideas within an offshore portfolio.

Here are 6 ideas for moving funds offshore and potentially enjoying high alternative investment returns: offshore direct company investment, offshore private placements, offshore currency investment (FOREX), offshore fund investment, offshore gold and silver storage, offshore investment account denominated in a local currency, such as USA Dollar, Australian Dollar, Singapore Dollar, or GBP Pound.

These 6 offshore options for investing can broaden a portfolio. Instead of only being dependent on major stock indexes, the above investments offer security against single market dynamics. Not only is there potential for higher returns, but potential for avoiding massive loses if all of your investments are based on one market and are susceptible to political, economic or natural disasters.

Exposed! The Legal Loophole That Lets You Wipe Out All Of Your Credit Card Debt.

There are literally millions of credit cards in the world today and even with the current credit crunch, the numbers of cards being issued is still on the increase, so the ramifications for the credit card industry are immense and for them at least, difficult to comprehend.

During the good times, credit card companies issued cards under the guidelines of the Consumer Credit Act 1974. However, in their greed to attract even greater numbers of customers each month, they forgot to ensure that their consumer credit agreements they issued to customers were legal and above reproach. This situation changed in April 2008 with the creation of new rules and regulations that fully covered every lending institution that issued a consumer credit agreement.

However (and this is the good part), there are literally millions of potentially flawed agreements in existence that mean you, the consumer, can wipe out your total credit card debt in an instant, legally and ethically/

The other thing to consider is that legal loophole applies to all unsecured debt such as personal loans, car finance, mortgages and PPI. They all have to abide by the Consumer Credit Act (CCA) 1974 and if they do not, then they could be left open to all of their customers making a claim against the vaibility of their credit agreement.

This is the hottest topic in the financial services industry at the moment as credit card companies frantically look to avoid claims and the potential for huge losses. They are full aware of this situation and are bracing themselves for the fall out as this dwarfs anything we have seen from the ‘reclaim your bank charges’ scneario that has been on the news for the last 12 months.

The process itself is simple to administer if you know how and if you have the right Barrister contacts. The Barrister in question must have an understanding of the legal process and the ensuing legal complexities of wiping out credit card debt. But remember, it is happening now and hundreds of thousands of people have started to wipe out their debts and ensure that they can start living a debt free life once again.

Webcam Jobs Market – Facts That Every Webcam Model Needs To Know

The first option is beneficial for models usually working in developing/less developed countries who cant afford to buy their own computer or install a high speed internet connection. The downside for these models is that their studio manager will take a significant cut of their earnings to cover their costs, usually around 30-40% or even 50% of their final earnings.

Secondly we have models working at home through well established webcam site networks such as LiveJasmin, Streamate and InternetModeling. Usually models from Western Europe, the USA, Canada etc tend to choose this option. It gives these webcam models the freedom to work from home, whenever they want, for how long as they want and get paid a structured salary too.

Thirdly, is for webcam models to work with a popular and well established online webcam studio, such as modelingonline82. The benefits of working with an online studio are that you still get to choose when and for how long you want to work for and also get to work from home. Unlike working in an actual physical studio you will only get charged a minimal 10% for the online studio to cover costs. The online studio will also help you to set up your preferred payment method, something which you would not get any help with if you chose the second option and give you help with any technical issues.

The last option is to work at home using your own website to attract customers. I would recommend this option for well established webcam models who already have a large fan base. The major benefit is that you will receive 100% of your earnings. However the hard part is the fact that you will be responsible for driving traffic to your website, marketing and advertising etc.

In summary, I would say that the first option is the least desirable due to the fact that models will receive the least commission and earnings. The fourth option is the best financially however it is very hard to start-up and would only be recommended for experienced webcam models. For new or part time webcam models I would definitely recommend options two and three. Option three would be more suitable for less technically savvy webcam models. Both options give you the freedom to work at home and you dont have to worry about marketing or advertising at all!

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