Los Angeles Housing Rental Scams: Don’t Become a Victim

The search for housing can be tedious and frustrating. In addition to the hundreds of available properties, one has to also be aware of fraudulent “landlords” whose sole purpose is to scam and steal. These “sellers” claim that they are unavailable to show the house and that they will mail the keys once they have received a deposit. However, once they receive the payment, they disappear and leave the prospective tenant empty handed.

There are many possibilities for various scams. For example, an owner with a foreclosed house may put up their property for rent and pretend that the house is in good standing. As soon as the tenant is all moved in, they will disappear with the money. Weeks or months later, the new houseguests are without a home and money when they find out that their new residency is foreclosed. Other frauds may break into a house and show it to potential renters as their own. Once the money exchange is complete, the fraud disappears without a trace.

A young woman, Sheila, recently reported to the Los Angeles Times that she was looking at a couple of homes in Atwater Village after seeing ads in Craigslist. The “owner” told her the rear door was open, that he couldn’t meet with her and that she should inspect the home. She liked what she saw and agreed to pay six months in advance for a lower rent plus a security deposit. She left a money order and her application at the house only to find later that the so-called “owner” didn’t own the home.

The “owner” set up a “rent to own” contract with Chet whereby he could live in the home with his family, make high rental payments and end up owning the home. Nine months in, the “owner” had disappeared and the bank had foreclosed on the property, forcing Chet and his family out.

There are many proactive steps to be taken in order to stop these fraudulent acts. One of the most efficient tools to utilize is a website titled “CheckYourLandlord.com”. This website is inexpensive and full of detailed information regarding landlords, their history, and available properties. However, there are many “free” precautions that can be taken in order to avoid fraud.

The easiest way to avoid scams is to ask for identification. If someone refuses to flash their driver’s license or identification, their credibility is minimal. Some people worry about offending their seller, but this is a routine procedure in high-end business transactions.

Once the seller’s identification is cleared, it is necessary to ensure that they are the correct owner and that the property is not in foreclosure. This information can be found online on the county’s website. The assessor’s office or recorder of deeds will have the correct information on the owner and any “lis pendens” against the property.

The next step is to ensure that the owner is not stuck in any financial trouble. There are many facets to check. There may be unpaid dues filed by the homeowners association or a government jurisdiction from unpaid property taxes. If previous tenants filed any civil cases or criminal actions against the owner, this is evidence that the owner is not in reliable financial standing.

Finally, check to see if there is a lien against another property with the same owner. This could indicate that the owner is struggling financially and may be trying to con money. If this information is not found online, any county courthouse will have records of property listings and owners.

Pet insurance: Pros, cons, and whether it’s right for you and your Pets

Owing a pet is a privilege but being responsible owner insurance is one of the many ways of caring for their pets, like feeding, grooming and exercise. Animals too are susceptible to illness and injuries as humans. The fact that 90% of the claims paid out in 2013 were for illness as opposed to accidents is a testament to genuine need for per insurance.

People say the only time you benefit from having a pet insurance is if you make a claim. It’s wasted money. You’ll find that insurance policies have waiting periods and exclusions like cover up to certain age, selected diseases covered and policies may require you to pay the veterinary bill up front, and then claim a refund from them. This means that you still be able to access money to pay for your dog’s veterinary care, before you see any money back from your insurer.

It’s an unsolved dilemma whether pet insurance is a good idea?

It depends largely on whether you could afford a massive veterinary bill, or whether you’d prefer to pay smaller monthly premiums and let the insurer pay out if and when your pet needs treatment. Pet insurance is like you won’t need to be worried about money when you’re already worrying about your pet health. Pet insurance not only provides cover for veterinary fees if your pet become ill or injured but also grants several other benefits as well like

Third party liability cover in case your dog inures someone or damage someone’s else property.
Paying you the price you paid for your pet if it is lost, stolen, or dies because of an injury or an illness before a certain age
he cost of advertising a reward your lost or stolen per, and the cost of reward itself, if your pet is found or recovered, up to a certain amount
Paying the costs of looking after your pet if you have to go into hospital for emergency medical treatment
If you have taken Pet Travel Plan, it will bear the cost of emergency veterinary treatment for your pet even if you take it to abroad also.

Every insurance plan will have some exclusion as well inclusions. So cover provided by different products can vary considerably, ranging from accident-only policies to lifetime-cover policies. Bow Wow Meow Pet Insurance – serving Aussie pets & their family since 1995. On its online portal you can easily compare the features of each plan. Bow Wow Meow’s insurance plans provide genuine life-long cover for chronic conditions and a range of additional benefits.

There are many other unforeseen risks involved in owing a cat, dog or rabbit. Several people don’t care about the needs of their pets and least bothered about buying pet accessories. These days’ people treat their pets as a part of their family, so they are always in look for the latest updates regarding health of their pets. Pet accessories are of paramount importance to ensure healthy and safe living including pet clothes, warm and cold clothes, hats, best food, feeding and grooming products including flea and tick control medicines. It is tiresome to shop from one location to another location so these days’ online pet accessories stores offer best in class solution for this. If you have the specific list that you want to buy, with just a couple of clicks of the mouse, you can purchase your shopping orders and instantly move to other important things, which can save time & energy as well.

No More Excuses with Andrew Keates and Associates Accountants in Liverpool

Regardless of whether you are the owner of a company of any sizing, or maybe coping with your own individual accounts, maintaining economic matters can often be a constant hassle. Liverpool accountants, Andrew Keates and associates acknowledge that all clients requires an individual customized method of their economic needs with distinct amounts of assistance and direction. Based at Clock Tower House, Truman Street, Liverpool, Andrew Keates and associates are accountants with a selection of specialties between them.

This month, HMRC printed a list of peculiar excuses they received for late tax returns from UK taxpayers. These included “my pet dog ate my tax return” “my girlfriend is pregnant” and one oddly preoccupied person who claimed “I’ve been busy looking after a flock of escaped parrots and some fox cubs. ” Despite modifications in creative imagination and truthfulness, the one solution these excuses have in accordance is that none of them are valid. HMRC also leaves no room for uncertainness. Tax returns Liverpool need not be a difficult task if you get Andrew Keates and associates on side. One easy getting together with can solve your tax connected difficulties, meaning you could avoid the feared £100 fine that arises from a overdue tax return form.

HMRC are generally definitely on the ball. In January 2015 alone, they declared strategies for legislation change which would see tax coding news sent digitally rather than on paper which would save the Revenue printing costs and emptying up resources as a way to improve customer satisfaction levels. They also introduced plans to make alterations to life insurance tax liabilities penalties this calendar month, and thus life insurance companies can now possibly have penalties they may have occurred abated if they co-operate after making a mistake. Regardless of if these examples are conditions which could affect you or your business; they are instances of how rapidly HMRC update their methods and regulations and how easy it can be to drop behind with how you have to be handling your financial situation.

As far as the Andrew Keates accountants in Liverpoolare involved they can keep an eye on your company accounts so that you don’t have to stress over them and concentrate on the important day to day managing of your enterprise or lifestyle. The accountancy company in Liverpool will keep everything in order for you, but won’t hold you in the dark when it comes to monetary options. Whether you need a continuing supply of service such as your organization balances kept in check, cash flow forecasts drafted and supervised and payrolls processed, or if you need a fixed amount of guidance classes, help with business creation and alterations, or even individual tax assistance; it is never a negative time for you to contact Andrew Keates and his workforce.