Luck, this is not just a word but a belief for most people. These people come from different walks of life and in this world of material struggle, who would not be lured by the glitter of money? Indeed, people are now ready to grab whatever chance that is being served to them. This pushes them to gamble.
Gambling is popular all over the world. It comes in various ways and means. To mention one of the most popular forms, it is lottery. For some people, this is the remedy but the hidden fact is that it is a big blow to the society especially to those who are poor and disadvantaged.
According to recent studies, majority of those who try their luck and gamble are people from the poverty line. Of course, the reason is too obvious. With the current social problems that deprive them from having the means to improve their way of living, they resort to what is the easiest for them.
This action leads to worse outcomes. Poor as they are, they are bound to have more debts and the more they yearn to try their luck, the more these debts would kill their lives gradually.
Another thing is that gambling becomes a vice. How does it happen? As shown by statistics in the United States, when these poor and less educated people win even just a mere amount of prizes, they would crave for more and eventually gamble more.
When this happens, all the other social issues like the role of these gamblers in their families would definitely be bruised. When the family is affected, the whole society follows.
There are numerous books and writings such that of Boydon Cole and Sidney Margolius, “When You Gamble--You Risk More Than Your Money” it is stated here how a family is being torn by gambling as an addiction. Gambling once it becomes an addiction would never lead you to goodness. It could be as worst as breaking your family, committing a crime or ending up bankrupt.
As gambling diminishes your social worth as a person, as a citizen, the whole society is greatly affected.
Come back next week for more tips, tricks and techniques for living the champagne life on a beer budget. Remember we're all in this together and I'm pulling for ya.
Mahalo.
======================================================
It's your right to get assistance from Your Government!
Yes the government gives away billions of dollars each year to assist people like you and me for just about anything. Starting a business? Yes there is money for you. Need help with your house or health?
Yes money is available. Who is on your side? Who can guide you?
"The Inquisitive Explorer's Guide To Free Government Money Programs", That's who.
Get your share and let Uncle Sam help you. Check it out at:
http://www.renspubhouse.netii.net/marketing/govmoney.html
===============================================================
Friday, October 23, 2009
Tuesday, October 6, 2009
OFFLINE GAMBLING- The real Scam Of The Century
Ah the lure of easy money, the thrill of the game, the adrenaline rush of the hunt. Yes all these are the thrills of gambling, legally or illegally whether offline or online. The consequences of out of control illegal gambling are well known and drastic, but what of the consequences when legal gambling gets out of control?
Gambling is very popular, from way back when, and more so today. It is a scam itself. In fact the oldest form known. Not only a scam, but very deceptive. Statistics show that about six percent of adults that are involved in gambling are severely addicted to such a "past time" as they call it. People who are hooked on gambling have the urge to bet on almost anything. From horses, cards, and the casino. The number doesn't end there. It continues to expand.
Casino scams are everywhere. High payouts and promising winnings are put up in huge slogans thereby attracting people who want to earn money the fast, easy and enjoyable way. A fact is gamblers waste a lot of their time, in the hope of winning. So they don't give up easily.
Studies show that gambling problems can easily occur in individuals with no self control. It is necessary for one to identify if he has problems, so it can be identified and acted upon promptly.
Here are some questions one should ask to detect if there is a problem:
* After gambling, when you lose money, be it a small or a large amount, do regret it, or feel resentment?
* When you win, do you have a strong desire to win more, therefore you want to go back?
* When you lose, do you feel a need to go back very soon?
* Do you spend a lot of time gambling, usually longer than what you planned?
*If you have problems, do you gamble to forget them?
* Are you spending more time gambling than with work?
*Do you not stop until your very last dollar is taken up?
*Do arguments take place between you and your family as a result of your need to gamble?
*To finance your gambling, do you borrow money from friends or associates?
Gambling addiction can be destructive. Family, friends and your reputation are at risk. It is a condition often times ignored. There are escape gamblers that affect seventy five percent of women from their thirties and up. Usually the reasons for gambling is to escape from the emotional pain that they are in, being bored, lonely, depressed or that they make gambling their hobby or past time. These types of addiction can be cured in three to six months.
The action gambler is much more difficult to deal. Most are men, where gambling for them creates ecstasy like a drug addition. This is much harder to cure, since the individual will deny the fact, when confronted. They will typically not stop until left with nothing, financially.
As gambling creates a lot of scams, it is a fact that still more and more are drawn to it. The primary reason is to win a huge amount of money. But then comes in the most lethal of reasons -- that of feeling a certain euphoria. Scams or no scams, an individual still continues to gamble and is a reason why offline gambling still thrives today.
One needs to be honest with oneself and stop this terrible disease from ruining your life and that of your family and friends before it is too late.
Come back next week for more tips, tricks and techniques to assist you in living the champagne life on a beer budget.
remember, we're all in this together and I'm pulling for ya.
Mahalo.
======================================================
It's your right to get assistance from Your Government!
Yes the government gives away billions of dollars each year to assist people like you and me for just about anything. Starting a business? Yes there is money for you. Need help with your house or health?
Yes money is available. Who is on your side? Who can guide you?
"The Inquisitive Explorer's Guide To Free Government Money Programs", That's who.
Get your share and let Uncle Sam help you. Check it out at:
http://www.renspubhouse.netii.net/marketing/govmoney.html
================================================================
Gambling is very popular, from way back when, and more so today. It is a scam itself. In fact the oldest form known. Not only a scam, but very deceptive. Statistics show that about six percent of adults that are involved in gambling are severely addicted to such a "past time" as they call it. People who are hooked on gambling have the urge to bet on almost anything. From horses, cards, and the casino. The number doesn't end there. It continues to expand.
Casino scams are everywhere. High payouts and promising winnings are put up in huge slogans thereby attracting people who want to earn money the fast, easy and enjoyable way. A fact is gamblers waste a lot of their time, in the hope of winning. So they don't give up easily.
Studies show that gambling problems can easily occur in individuals with no self control. It is necessary for one to identify if he has problems, so it can be identified and acted upon promptly.
Here are some questions one should ask to detect if there is a problem:
* After gambling, when you lose money, be it a small or a large amount, do regret it, or feel resentment?
* When you win, do you have a strong desire to win more, therefore you want to go back?
* When you lose, do you feel a need to go back very soon?
* Do you spend a lot of time gambling, usually longer than what you planned?
*If you have problems, do you gamble to forget them?
* Are you spending more time gambling than with work?
*Do you not stop until your very last dollar is taken up?
*Do arguments take place between you and your family as a result of your need to gamble?
*To finance your gambling, do you borrow money from friends or associates?
Gambling addiction can be destructive. Family, friends and your reputation are at risk. It is a condition often times ignored. There are escape gamblers that affect seventy five percent of women from their thirties and up. Usually the reasons for gambling is to escape from the emotional pain that they are in, being bored, lonely, depressed or that they make gambling their hobby or past time. These types of addiction can be cured in three to six months.
The action gambler is much more difficult to deal. Most are men, where gambling for them creates ecstasy like a drug addition. This is much harder to cure, since the individual will deny the fact, when confronted. They will typically not stop until left with nothing, financially.
As gambling creates a lot of scams, it is a fact that still more and more are drawn to it. The primary reason is to win a huge amount of money. But then comes in the most lethal of reasons -- that of feeling a certain euphoria. Scams or no scams, an individual still continues to gamble and is a reason why offline gambling still thrives today.
One needs to be honest with oneself and stop this terrible disease from ruining your life and that of your family and friends before it is too late.
Come back next week for more tips, tricks and techniques to assist you in living the champagne life on a beer budget.
remember, we're all in this together and I'm pulling for ya.
Mahalo.
======================================================
It's your right to get assistance from Your Government!
Yes the government gives away billions of dollars each year to assist people like you and me for just about anything. Starting a business? Yes there is money for you. Need help with your house or health?
Yes money is available. Who is on your side? Who can guide you?
"The Inquisitive Explorer's Guide To Free Government Money Programs", That's who.
Get your share and let Uncle Sam help you. Check it out at:
http://www.renspubhouse.netii.net/marketing/govmoney.html
================================================================
Wednesday, September 30, 2009
Unknown Unclaimed Money Sources
Generally when someone discusses unclaimed money or missing assets they talk in terms of bank saving accounts, safety deposit vaults, deposit certificates, estates owned, money orders that were not cashed, insurance policies that are terminated or matured, term deposits, non refunded utility deposits and many more similar type commerces operations. There are many other transaction that generate unclaimed money. Some of the lesser know other type of unclaimed money sources are Unclaimed Child Support Payments, Unclaimed Indian Trust Royalities, Holocaust Claims, and Unclaimed War Claims.
Unclaimed War Claims:
In 1981 the Federal Government completed a program to determine the validity and amount of claims against the German Democratic Republic (GDR) and again in 1986, against the Socialist Republic of Vietnam that resulted from the nationalization or other taking of property on or after April 29, 1975, when the Government of the Republic of Vietnam (South Vietnam) was overthrown for losses which arose from the nationalization or other taking by that government of property interests of nationals of the United States. The Federal Government granted awards to 2,437 claimants and a settlement agreement, which provided funds for the payment of the awards, was concluded with the Federal Republic of Germany on May 13, 1992.
In 1986, the Federal Government granted awards to 192 claimants and a settlement agreement, that provided funds for the payment of the awards, was concluded with the Socialist Republic of Vietnam on January 28, 1995. The Department of the Treasury, Financial Management Service, began advising claimants on the status of the program on September 25, 1992.
Holocaust Claims:
In February 2001, the Holocaust Claims Resolution Tribunal published the names of the owners of approximately 21,000 accounts that probably or possibly belonged to victims of Nazi persecution. In January 2005, the CRT published approximately 2,700 additional names of Account Owners and approximately 400 additional names of Power of Attorney holders of accounts probably or possibly belonging to Victims of Nazi Persecution.
Unclaimed Indian Trust Royalities:
Funds retained in Federal Indian trust accounts amount to approximately $3 billion. About $480 million is owned by individuals, the rest is held for Tribes. The funds are held in trust by the U.S. Government for over 315 Tribes and approximately 260,000 individuals. Each year, more than $800 million passes through the tribal trust funds system and over $300 million through another Trust account. Investment earnings make up a significant portion of the total receipts.
Funds are derived from the sale or rental of Indian-owned natural resources such as timber or grazing land, and royalties from oil and natural gas exploration and production. Funds also are derived from awards or settlements of tribal claims for lost land or other damages. Interest earned on the invested funds also is part of these funds.
Unclaimed Child Support Payments:
Over the years the states have collected over $96 billion in court-ordered child support that would have typically have gone unpaid each year. Every year since 1998 this has increases from $15 billion to $22 billion with the success rate increasing from 23 percent to 51 percent. But soon changes that are to take effect in October of 2007 will drastically reduce those numbers, do to the lack of federal support to the states in track down deadbeat parents.
States report an undistributed funds pool of over $734 million at the end of 2004 in collected but undistributed child support payments. Many States have a policy, some state lawmakers find it disturbing, that money collected from parents by the state on behalf of children could instead be spent on prisons, roads or legislative staff. Unclaimed child-support funds that do go into the state treasury can later be claimed and paid for the intended children, officials point out. But the practice of sending undisbursed money to the treasury after just one year is still a point of outrage for many.
If you or your family want to find out if you are entitled to funds due to participation in any of these other unclaimed property programs, check all of the states where you have lived previously, or states where your relatives were settled. Also check out states where you may have done businesses or jobs. They all have databases you can look through for your family name. Or let us help you find that money. Our resources cover numerous jurisdictions and Tribunal discovery sources that will assist us to speedily locate any and all unclaimed funds rightfully due you. (URL)
Do you or someone you know have money out there that is waiting to be found? One nevre knows until you check.
Come back next week for more tips, tricks and techniques to assist you in living the Champagne life on a beer budget. Remember we're all in this together and I'm pulling for ya.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
Unclaimed War Claims:
In 1981 the Federal Government completed a program to determine the validity and amount of claims against the German Democratic Republic (GDR) and again in 1986, against the Socialist Republic of Vietnam that resulted from the nationalization or other taking of property on or after April 29, 1975, when the Government of the Republic of Vietnam (South Vietnam) was overthrown for losses which arose from the nationalization or other taking by that government of property interests of nationals of the United States. The Federal Government granted awards to 2,437 claimants and a settlement agreement, which provided funds for the payment of the awards, was concluded with the Federal Republic of Germany on May 13, 1992.
In 1986, the Federal Government granted awards to 192 claimants and a settlement agreement, that provided funds for the payment of the awards, was concluded with the Socialist Republic of Vietnam on January 28, 1995. The Department of the Treasury, Financial Management Service, began advising claimants on the status of the program on September 25, 1992.
Holocaust Claims:
In February 2001, the Holocaust Claims Resolution Tribunal published the names of the owners of approximately 21,000 accounts that probably or possibly belonged to victims of Nazi persecution. In January 2005, the CRT published approximately 2,700 additional names of Account Owners and approximately 400 additional names of Power of Attorney holders of accounts probably or possibly belonging to Victims of Nazi Persecution.
Unclaimed Indian Trust Royalities:
Funds retained in Federal Indian trust accounts amount to approximately $3 billion. About $480 million is owned by individuals, the rest is held for Tribes. The funds are held in trust by the U.S. Government for over 315 Tribes and approximately 260,000 individuals. Each year, more than $800 million passes through the tribal trust funds system and over $300 million through another Trust account. Investment earnings make up a significant portion of the total receipts.
Funds are derived from the sale or rental of Indian-owned natural resources such as timber or grazing land, and royalties from oil and natural gas exploration and production. Funds also are derived from awards or settlements of tribal claims for lost land or other damages. Interest earned on the invested funds also is part of these funds.
Unclaimed Child Support Payments:
Over the years the states have collected over $96 billion in court-ordered child support that would have typically have gone unpaid each year. Every year since 1998 this has increases from $15 billion to $22 billion with the success rate increasing from 23 percent to 51 percent. But soon changes that are to take effect in October of 2007 will drastically reduce those numbers, do to the lack of federal support to the states in track down deadbeat parents.
States report an undistributed funds pool of over $734 million at the end of 2004 in collected but undistributed child support payments. Many States have a policy, some state lawmakers find it disturbing, that money collected from parents by the state on behalf of children could instead be spent on prisons, roads or legislative staff. Unclaimed child-support funds that do go into the state treasury can later be claimed and paid for the intended children, officials point out. But the practice of sending undisbursed money to the treasury after just one year is still a point of outrage for many.
If you or your family want to find out if you are entitled to funds due to participation in any of these other unclaimed property programs, check all of the states where you have lived previously, or states where your relatives were settled. Also check out states where you may have done businesses or jobs. They all have databases you can look through for your family name. Or let us help you find that money. Our resources cover numerous jurisdictions and Tribunal discovery sources that will assist us to speedily locate any and all unclaimed funds rightfully due you. (URL)
Do you or someone you know have money out there that is waiting to be found? One nevre knows until you check.
Come back next week for more tips, tricks and techniques to assist you in living the Champagne life on a beer budget. Remember we're all in this together and I'm pulling for ya.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
Thursday, September 17, 2009
Budget Bathroom Redecorating - A Few Helpful Tips
We recently redecorated and did a makeover (going green of course) to our bathroom and here's a few ideas to help save money and the planet as you do yours.
Before you start thinking about any decorating you would like to do in your bathroom, you need to make sure that it is in good shape. It is important that you make sure there are no leaks, and that all the caulking is tight.
You do not want to complete the redecoration of your bathroom, only to find a leak, and that you will have to completely redecorate after it has been fixed.
Unfortunately, although the bathroom is one of the easiest and least expensive to decorate, it is often the most neglected. For many of us, redecorating our bathroom consists of replacing an old shower curtain with a new one and that’s it.
But hopefully, using the tips provided below, you should be able produce a whole new and inviting look to your bathroom.
1.You can make a huge impact on this room by getting rid of any dark wood and old hardware on cupboards. Just by using some paint and replacing the handles on the doors, you will give the room a completely different look.
2.Why not put some plants in your bathroom, as they thrive in such an environment?
3.Use light. Bright colors will create the illusion of space even in the smallest of spaces (which many bathrooms are).
4.Change the light fixtures, as the right type of lighting can make a huge difference to any bathroom.
5.Why not consider replacing the taps to your bath and sinks. Just by replacing the tired, old looking taps to your bath, you will give it a completely different look, and it’s an inexpensive way of updating an old room.
6.Instead of buying a new shower curtain, why not instead choose to use a regular curtain. This can be hung from a tension rod and backed with a shower curtain liner. Such liners come in a variety of colors and are inexpensive to buy.
7.Get a few candles. Not only are they attractive, but they instantly add warmth (even when not lit to a space). Also, there is so much variety of colors, shapes and sizes of candles available, that I think you will find it difficult to choose exactly what you want. But it is best if you buy ones which will co-ordinate with the décor of your bathroom. Plus, add a few bars of scented soap and your bathroom will soon feel warm and luxurious.
In fact, before long by using the tips provided above, your bathroom will look fresh and bright. Not only this, but you will know just how easy it is to do and how inexpensive it is. Soon you will be ready to start decorating another room in your home!
Come back next week for more tips, tricks and techniques to help you live a champagne life on a beer budget. Remember, we're all in this together and I'm pulling for ya.
Mahalo.
******************************************************************
Must Have Finance Tools and Resources
Want to save money while learning how to save money?
Well Order the Budget Mega Pack and receive two valuable bonus ebooks for your collection.
Hey, you earned it, why not keep it?
For more info and to Order Today so you can save On These Valuable Resources
http://www.renspubhouse.netii.net/finance.html
******************************************************************
Before you start thinking about any decorating you would like to do in your bathroom, you need to make sure that it is in good shape. It is important that you make sure there are no leaks, and that all the caulking is tight.
You do not want to complete the redecoration of your bathroom, only to find a leak, and that you will have to completely redecorate after it has been fixed.
Unfortunately, although the bathroom is one of the easiest and least expensive to decorate, it is often the most neglected. For many of us, redecorating our bathroom consists of replacing an old shower curtain with a new one and that’s it.
But hopefully, using the tips provided below, you should be able produce a whole new and inviting look to your bathroom.
1.You can make a huge impact on this room by getting rid of any dark wood and old hardware on cupboards. Just by using some paint and replacing the handles on the doors, you will give the room a completely different look.
2.Why not put some plants in your bathroom, as they thrive in such an environment?
3.Use light. Bright colors will create the illusion of space even in the smallest of spaces (which many bathrooms are).
4.Change the light fixtures, as the right type of lighting can make a huge difference to any bathroom.
5.Why not consider replacing the taps to your bath and sinks. Just by replacing the tired, old looking taps to your bath, you will give it a completely different look, and it’s an inexpensive way of updating an old room.
6.Instead of buying a new shower curtain, why not instead choose to use a regular curtain. This can be hung from a tension rod and backed with a shower curtain liner. Such liners come in a variety of colors and are inexpensive to buy.
7.Get a few candles. Not only are they attractive, but they instantly add warmth (even when not lit to a space). Also, there is so much variety of colors, shapes and sizes of candles available, that I think you will find it difficult to choose exactly what you want. But it is best if you buy ones which will co-ordinate with the décor of your bathroom. Plus, add a few bars of scented soap and your bathroom will soon feel warm and luxurious.
In fact, before long by using the tips provided above, your bathroom will look fresh and bright. Not only this, but you will know just how easy it is to do and how inexpensive it is. Soon you will be ready to start decorating another room in your home!
Come back next week for more tips, tricks and techniques to help you live a champagne life on a beer budget. Remember, we're all in this together and I'm pulling for ya.
Mahalo.
******************************************************************
Must Have Finance Tools and Resources
Want to save money while learning how to save money?
Well Order the Budget Mega Pack and receive two valuable bonus ebooks for your collection.
Hey, you earned it, why not keep it?
For more info and to Order Today so you can save On These Valuable Resources
http://www.renspubhouse.netii.net/finance.html
******************************************************************
Thursday, September 10, 2009
The State of Your Unclaimed Money
You know how good it feels when you fish a $10 bill out of your jeans pocket right before it hits the wash. Many Americans have found missing money secrets and have claimed money that rightfully belonged to them. You could be one of them. Imagine coming into hundreds, even thousands of dollars from a savings bond or a bank account you forgot about.
Lost cash, aka unclaimed property is becoming a cash cow for many states. These unclaimed assets/money is effectively revenue for the States. If there is a question as to the last known address of the owner, State's are beginning to make challenges or delaying a reciprocal agreement previously enforced between other states to transfer the cash to another State. This has resulted in states not listing some lost assets in its public online database until the issue is resolved. As the amounts of funds increase the difficulty of claiming your rightful property is also starting to also. You may require professional assistance.
These lost funds, for the most part, once received are placed in the Government general fund and spent on roads, schools, it becomes a part of their operating budget. If everyone of the approximately 27 million Americans were to claimed their money at one time, the vast majority of the states would not have the cash reserves to meet this obligation. There is no incentive for any Government agency to try to find or to contact individuals who have unclaimed money or property.
Every day, for whatever reasons, People move away and do not update their address, they lose track of some of their investments, they die without a will, and who knows why else...but, they leave money in banks, in utility accounts, security deposits, and many number of other ways. Some of these monetary items end up in the state's possessions after they are declared abandoned by the organization or bank that held them. These forgotten bank accounts, un-cashed stock dividends, insurance payments, safe deposit box contents, utility deposits, travelers checks, money orders and other financial instruments are turned over to the state's Treasurer's Escheats, Comptroller's, or Revenue office who then try to track down the owners and return the money.
The extensive spiraling growth in the number of American families who are losing their homes seem unending. The wave of the current recession hasn't crested and is slowly creeping inwards from opposite coasts. All but a miniscule percentage of the US population has not been affected by the economic crisis that just turned global and has people worldwide struggling just to keep meals on the table.
To say people are desperate for cash would be a gigantic understatement. Unknown to most, there is a way for Americans to get their hands on some easy money. It's not a sure-shot deal mind you, but it's not a scam either. I'm talking about lost money belonging to people and businesses that have lost track of their finances through bad addresses, file mix-ups, oversight or what have you.
A large portion of the American populace are actually richer than they think. All they need to do is discover if they are entitled to missing money from state and federal unclaimed property offices. It is quite easily to do. Are you ready to take the next step an find out for yourself? Visit this web site for more information.
Property is considered abandoned if there has been no activity on it for more than three years. There are multiple billions of dollars in lost assets and unclaimed funds awaiting you in your state general fund for this purpose There is a great chance that some of it belongs to you. Co-workers and many many others have an interest in what happens to all of this unclaimed funds. Are you[/V]Will you be[/V] going to receive your inheritance or sit back and fail to avail your self of the services that your state offers? Are you going to claim your unclaimed funds? Reclaim your share of unclaimed money billions. Don't you deserve it!
Come back next week for more tips, tricks and techniques to assist you in living the Champagne life on a beer budget. We're all in this together and I'm pulling for ya.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
Lost cash, aka unclaimed property is becoming a cash cow for many states. These unclaimed assets/money is effectively revenue for the States. If there is a question as to the last known address of the owner, State's are beginning to make challenges or delaying a reciprocal agreement previously enforced between other states to transfer the cash to another State. This has resulted in states not listing some lost assets in its public online database until the issue is resolved. As the amounts of funds increase the difficulty of claiming your rightful property is also starting to also. You may require professional assistance.
These lost funds, for the most part, once received are placed in the Government general fund and spent on roads, schools, it becomes a part of their operating budget. If everyone of the approximately 27 million Americans were to claimed their money at one time, the vast majority of the states would not have the cash reserves to meet this obligation. There is no incentive for any Government agency to try to find or to contact individuals who have unclaimed money or property.
Every day, for whatever reasons, People move away and do not update their address, they lose track of some of their investments, they die without a will, and who knows why else...but, they leave money in banks, in utility accounts, security deposits, and many number of other ways. Some of these monetary items end up in the state's possessions after they are declared abandoned by the organization or bank that held them. These forgotten bank accounts, un-cashed stock dividends, insurance payments, safe deposit box contents, utility deposits, travelers checks, money orders and other financial instruments are turned over to the state's Treasurer's Escheats, Comptroller's, or Revenue office who then try to track down the owners and return the money.
The extensive spiraling growth in the number of American families who are losing their homes seem unending. The wave of the current recession hasn't crested and is slowly creeping inwards from opposite coasts. All but a miniscule percentage of the US population has not been affected by the economic crisis that just turned global and has people worldwide struggling just to keep meals on the table.
To say people are desperate for cash would be a gigantic understatement. Unknown to most, there is a way for Americans to get their hands on some easy money. It's not a sure-shot deal mind you, but it's not a scam either. I'm talking about lost money belonging to people and businesses that have lost track of their finances through bad addresses, file mix-ups, oversight or what have you.
A large portion of the American populace are actually richer than they think. All they need to do is discover if they are entitled to missing money from state and federal unclaimed property offices. It is quite easily to do. Are you ready to take the next step an find out for yourself? Visit this web site for more information.
Property is considered abandoned if there has been no activity on it for more than three years. There are multiple billions of dollars in lost assets and unclaimed funds awaiting you in your state general fund for this purpose There is a great chance that some of it belongs to you. Co-workers and many many others have an interest in what happens to all of this unclaimed funds. Are you[/V]Will you be[/V] going to receive your inheritance or sit back and fail to avail your self of the services that your state offers? Are you going to claim your unclaimed funds? Reclaim your share of unclaimed money billions. Don't you deserve it!
Come back next week for more tips, tricks and techniques to assist you in living the Champagne life on a beer budget. We're all in this together and I'm pulling for ya.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
Tuesday, August 11, 2009
Unclaimed Money - Just the FAQ's
Are you owed money from a previous employer, a forgotten bank account, or some other unknown or forgotten source? Well here are a few tips to help you find out.
1. How can I find out if the government has unclaimed money or property that may be mine?
To determine whether any unclaimed funds are being held by the federal government, you must determine the type of benefit or payment that could be involved, the date on which the payment was expected, and how the payment should have been made. Given this information, the agency responsible for certifying any payment due should be able to assist you in determining the current status of any payment involved. The titles and addresses for all federal agencies are available in The United States Government Manual (http://www.gpoaccess.gov/gmanual/index.html) which is available in most public libraries.
2. I received a letter stating that the Treasury Department may owe me money or may be holding funds (or property) in my name. The letter indicates that I can receive this unclaimed property if I pay a "finders" fee. Can these companies help me?
Several companies, or locator services, engaged in the business of identifying and recovering unclaimed assets for profit, acquire federal check issuance data from various federal government agencies under the provisions of the Freedom of Information Act. The information requested by these companies pertains to specific check symbols, numbers and dollar amounts identified on Treasury check cancellation listings. These listings are not searchable by personal identifiers, such as a person's name or social security number. Personal identifiers may, however, exist in federal agencies' check issuance or cancellation records. Using such personal identifiers, if available, these locator services attempt to locate the prospective beneficiaries, or "payees," for canceled/unpaid government checks and, on their behalf, attempt to collect the payment amounts from the federal agencies that originally certified the payments. It is important to note that these firms are also involved in recovering unclaimed property in the possession of state and local government entities.
3. What happens with federal checks that are returned undeliverable or cannot be paid for one reason or another?
No non-federal agency can issue payments on behalf of federal program agencies until official certification of those payments is received from the agencies. In those cases when undeliverable, unnegotiable and/or otherwise unpaid checks are returned to the Treasury disbursing centers, the checks are merely cancelled and the respective funds return to the agencies that originally certified the payments.
4. How does property get lost in the first place?
Property often gets lost for numerous reasons; change of address, change or jobs, because of illness or upheaval. For instance, my mother got sick. Like many of us, she was urprepared and did not have her accounts and insurance information in order. Her illness as it progressed made it difficult for her to communicate. When she passed the family did not know where to look for information regarding her belongings. Over time some things were found, however a lot may still be missing. Recently I discovered she had opened small bank accounts all over the city. They ended up "dormant"--which generally happens when no business is transacted for three years or more--and getting escheated, or turned over, to the state. Situations like this is not uncommon and is just one of many scenarios on how property gets lost.
5. What is unclaimed property?
Unclaimed property (sometimes referred to as abandoned property) refers to accounts in financial institutions and companies that have had no activity generated or contact with the owner for one year or a longer period. Common forms of unclaimed property include savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds, traveler’s checks, trust distributions, unredeemed money orders or gift certificates (in some states), insurance payments or refunds and life insurance policies, annuities, certificates of
deposit, customer overpayments, utility security deposits, mineral royalty
payments, and contents of safe deposit boxes.
6. How do states try to return this money?
The state treasurers and other officials who administer the unclaimed property programs have developed many powerful and effective methods to locate owners including the use of websites, cross-checking public data, staging thousands of awareness events at state fairs and even shopping malls, and developing a national database. The methods work as tens of millions of potential lost owners inquire annually resulting in this vital consumer protection program returning money to people at a rate approaching two billion dollars annually.
7. How do I begin my free search?
Companies are required by law to send funds from lost accounts to the state of the owner’s last known address. That means you could potentially have unclaimed property in every state that you have resided. You might want to begin your search on your states unclaimed property online database, or other Web sites endorsed by the National Association of Unclaimed Property Administrators (NAUPA). These sites are free.
8. What is an Heir Locator?
Heir Locator or Asset Finder is a paid professional finder, someone who is in the business of trying to find and assist the owners of unclaimed funds. In most States, if you do choose to use a finder, a full disclosure contract must be signed between the finder and the owner and must specify where the money is, what the money represents, the amount of the funds, the finder's fee (no more than X%, as provided by that State's statute), and how much the owner receives after the fee. Additionally, the contract must be included with your claim form. In order for a finder to accept a fee, the funds must be in the Division of Unclaimed Funds' custody for a minimum of twenty-four months. Most States require the paid, professional finders to provide specific information in order for the contract to be valid. Also many States are requiring the Heir Locator to be licensed to do business within their State.
Come back next week for more tips on living the champagne life on a beer budget. Remember we're all in this together and I'm pulling for you.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
1. How can I find out if the government has unclaimed money or property that may be mine?
To determine whether any unclaimed funds are being held by the federal government, you must determine the type of benefit or payment that could be involved, the date on which the payment was expected, and how the payment should have been made. Given this information, the agency responsible for certifying any payment due should be able to assist you in determining the current status of any payment involved. The titles and addresses for all federal agencies are available in The United States Government Manual (http://www.gpoaccess.gov/gmanual/index.html) which is available in most public libraries.
2. I received a letter stating that the Treasury Department may owe me money or may be holding funds (or property) in my name. The letter indicates that I can receive this unclaimed property if I pay a "finders" fee. Can these companies help me?
Several companies, or locator services, engaged in the business of identifying and recovering unclaimed assets for profit, acquire federal check issuance data from various federal government agencies under the provisions of the Freedom of Information Act. The information requested by these companies pertains to specific check symbols, numbers and dollar amounts identified on Treasury check cancellation listings. These listings are not searchable by personal identifiers, such as a person's name or social security number. Personal identifiers may, however, exist in federal agencies' check issuance or cancellation records. Using such personal identifiers, if available, these locator services attempt to locate the prospective beneficiaries, or "payees," for canceled/unpaid government checks and, on their behalf, attempt to collect the payment amounts from the federal agencies that originally certified the payments. It is important to note that these firms are also involved in recovering unclaimed property in the possession of state and local government entities.
3. What happens with federal checks that are returned undeliverable or cannot be paid for one reason or another?
No non-federal agency can issue payments on behalf of federal program agencies until official certification of those payments is received from the agencies. In those cases when undeliverable, unnegotiable and/or otherwise unpaid checks are returned to the Treasury disbursing centers, the checks are merely cancelled and the respective funds return to the agencies that originally certified the payments.
4. How does property get lost in the first place?
Property often gets lost for numerous reasons; change of address, change or jobs, because of illness or upheaval. For instance, my mother got sick. Like many of us, she was urprepared and did not have her accounts and insurance information in order. Her illness as it progressed made it difficult for her to communicate. When she passed the family did not know where to look for information regarding her belongings. Over time some things were found, however a lot may still be missing. Recently I discovered she had opened small bank accounts all over the city. They ended up "dormant"--which generally happens when no business is transacted for three years or more--and getting escheated, or turned over, to the state. Situations like this is not uncommon and is just one of many scenarios on how property gets lost.
5. What is unclaimed property?
Unclaimed property (sometimes referred to as abandoned property) refers to accounts in financial institutions and companies that have had no activity generated or contact with the owner for one year or a longer period. Common forms of unclaimed property include savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds, traveler’s checks, trust distributions, unredeemed money orders or gift certificates (in some states), insurance payments or refunds and life insurance policies, annuities, certificates of
deposit, customer overpayments, utility security deposits, mineral royalty
payments, and contents of safe deposit boxes.
6. How do states try to return this money?
The state treasurers and other officials who administer the unclaimed property programs have developed many powerful and effective methods to locate owners including the use of websites, cross-checking public data, staging thousands of awareness events at state fairs and even shopping malls, and developing a national database. The methods work as tens of millions of potential lost owners inquire annually resulting in this vital consumer protection program returning money to people at a rate approaching two billion dollars annually.
7. How do I begin my free search?
Companies are required by law to send funds from lost accounts to the state of the owner’s last known address. That means you could potentially have unclaimed property in every state that you have resided. You might want to begin your search on your states unclaimed property online database, or other Web sites endorsed by the National Association of Unclaimed Property Administrators (NAUPA). These sites are free.
8. What is an Heir Locator?
Heir Locator or Asset Finder is a paid professional finder, someone who is in the business of trying to find and assist the owners of unclaimed funds. In most States, if you do choose to use a finder, a full disclosure contract must be signed between the finder and the owner and must specify where the money is, what the money represents, the amount of the funds, the finder's fee (no more than X%, as provided by that State's statute), and how much the owner receives after the fee. Additionally, the contract must be included with your claim form. In order for a finder to accept a fee, the funds must be in the Division of Unclaimed Funds' custody for a minimum of twenty-four months. Most States require the paid, professional finders to provide specific information in order for the contract to be valid. Also many States are requiring the Heir Locator to be licensed to do business within their State.
Come back next week for more tips on living the champagne life on a beer budget. Remember we're all in this together and I'm pulling for you.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
Wednesday, July 29, 2009
How To Find and Recover Your Unclaimed Property
Billions in unclaimed cash, unclaimed bank funds, lost cash and property is up for grabs. Unclaimed money as a result of things like forgotten bank accounts, dividend checks, stocks, insurance over payments, and uncashed checks. Locating lost assets isn't difficult, once you know what you're doing and get the right guidance.
Where does this money come from? It might be a long forgotten bank account that you left behind when you moved, or a relative's insurance policy that was never recovered. It may be a bond you purchased under your maiden name and forgot about. When these funds sit idle for a certain number of years, financial institutions are required to turn the money over to the state. Finding missing or unclaimed cash isn't to hard to do, as long as you know where to begin looking. If you don't have time or want to go through the trouble, an asset locator can aid you.
A number of states have entered into reciprocal agreements. The intent being to simplify unclaimed property and money holder reporting. A reciprocal agreement provides for holders to file unclaimed property reports for many states through one agent state. A holder reporting to an agent state may file in the agent state's format. As an unclaimed property holder, they may report property whose owner's addresses are in any of the states with which a State has reciprocity agreements.
The items need not be separated by state on the report. In a situation where the owner's address is unknown, the property is due to the state where the holder is incorporated. Property held for other states is automatically transferred to the appropriate state on an annual basis. Be aware that the holder/state should follow the unclaimed property law for each reciprocal state, and must use the abandonment period and aggregation limits for those states.
Every day, for whatever reasons, People move away and do not update their address, they lose track of some of their investments, they die without a will, and who knows why else...but, they leave money in banks, in utility accounts, security deposits, and many number of other ways. Some of these monetary items end up in the state's possessions after they are declared abandoned by the organization or retailer that held them. These forgotten bank accounts, un-cashed stock dividends, insurance payments, safe deposit box contents, utility deposits, travelers checks, money orders and other financial instruments are turned over to the state's Treasurer's Escheats, Comptroller's, or Revenue office who then try to track down the owners and return the money.
Unfortunately, very few of the millions of people owed federal, state, and private unclaimed property are actually attempting to pursue missing money claims. The $40 BILLION national unclaimed money pile and its rapid compounded growth every year is evidence of this. During times like these, with so many people in need due to the U.S. sluggish economy, it's quite ironic these multitudes in the financial bind are not looking into this method for assistance.
The problem may lie in lack of public knowledge and proper search methods. Finding out how to perform a unclaimed money search is a little daunting, but not impossible. Knowing where, when and how to look can put much needed funds in citizens' desperate hands. Locating some one that can guide you may be all you need to do.
If your bank failed and you don't claim those funds within a year and a half, most likely the money in your account is going to be turned over to the FDIC. There are multiple billions of dollars in unrequested estates and lost assets waiting for you in your state treasury office coffers There is a possibility that some of it belongs to you. Relatives and many many others have an interest in what happens to all of this lost assets. It is up to you. Will you be going to receive your inheritance or be lazy because you failed to avail your self of the services that your state offers? Are you going to claim your lost assets? Find your hidden money...NOW!
Hey it's your money, find it or lose it. If you want ot help others as well check out he ebook offer at the end of this article.
Come back next week for more tips, tricks and techniques for living the champagne life on a beer budget. We're all in this together and I'm pulling for you.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
Where does this money come from? It might be a long forgotten bank account that you left behind when you moved, or a relative's insurance policy that was never recovered. It may be a bond you purchased under your maiden name and forgot about. When these funds sit idle for a certain number of years, financial institutions are required to turn the money over to the state. Finding missing or unclaimed cash isn't to hard to do, as long as you know where to begin looking. If you don't have time or want to go through the trouble, an asset locator can aid you.
A number of states have entered into reciprocal agreements. The intent being to simplify unclaimed property and money holder reporting. A reciprocal agreement provides for holders to file unclaimed property reports for many states through one agent state. A holder reporting to an agent state may file in the agent state's format. As an unclaimed property holder, they may report property whose owner's addresses are in any of the states with which a State has reciprocity agreements.
The items need not be separated by state on the report. In a situation where the owner's address is unknown, the property is due to the state where the holder is incorporated. Property held for other states is automatically transferred to the appropriate state on an annual basis. Be aware that the holder/state should follow the unclaimed property law for each reciprocal state, and must use the abandonment period and aggregation limits for those states.
Every day, for whatever reasons, People move away and do not update their address, they lose track of some of their investments, they die without a will, and who knows why else...but, they leave money in banks, in utility accounts, security deposits, and many number of other ways. Some of these monetary items end up in the state's possessions after they are declared abandoned by the organization or retailer that held them. These forgotten bank accounts, un-cashed stock dividends, insurance payments, safe deposit box contents, utility deposits, travelers checks, money orders and other financial instruments are turned over to the state's Treasurer's Escheats, Comptroller's, or Revenue office who then try to track down the owners and return the money.
Unfortunately, very few of the millions of people owed federal, state, and private unclaimed property are actually attempting to pursue missing money claims. The $40 BILLION national unclaimed money pile and its rapid compounded growth every year is evidence of this. During times like these, with so many people in need due to the U.S. sluggish economy, it's quite ironic these multitudes in the financial bind are not looking into this method for assistance.
The problem may lie in lack of public knowledge and proper search methods. Finding out how to perform a unclaimed money search is a little daunting, but not impossible. Knowing where, when and how to look can put much needed funds in citizens' desperate hands. Locating some one that can guide you may be all you need to do.
If your bank failed and you don't claim those funds within a year and a half, most likely the money in your account is going to be turned over to the FDIC. There are multiple billions of dollars in unrequested estates and lost assets waiting for you in your state treasury office coffers There is a possibility that some of it belongs to you. Relatives and many many others have an interest in what happens to all of this lost assets. It is up to you. Will you be going to receive your inheritance or be lazy because you failed to avail your self of the services that your state offers? Are you going to claim your lost assets? Find your hidden money...NOW!
Hey it's your money, find it or lose it. If you want ot help others as well check out he ebook offer at the end of this article.
Come back next week for more tips, tricks and techniques for living the champagne life on a beer budget. We're all in this together and I'm pulling for you.
Mahalo.
======================================================
The opportunity for you to earn $200 or more an hour presents itself.
As a Money Finder, you assist these individual locate their missing assets and collect a commission for doing so. You only collect a commission when you reunite some one with their unclaimed property .
The Inquisitive Explorer's Unclaimed Money Finder's Guide explains it all.
It takes very little money to get started!
http://www.renspubhouse.netii.net/MoneyFinder/moneyfinder.html
And as a bonus I will throw in the Inquisitive Explorer's Guide to Free Government Money.
You have nothing to lose and everything to gain in this exciting business.
================================================================
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