Los Angeles Directory For Best Consumer Bargains

If You Can’t Refinance, Modify !

Need a Home Loan?

Have you tried to refinance your home lately and got denied by your lender because your credit score is too low or, you are upside down on your mortgage as you owe more than what your home is worth? Are you concerned that your adjustable rate is going to increase in the future and you won’t be able to make the mortgage payment anymore? Has your monthly income been significantly reduced? Has your financial situation changed because of a divorce or split of domestic partners, Family illness or injury, or Job loss? Well, I have great news for YOU!

A Loan Modification is when a lender agrees to modify any or some of the terms of the mortgage, making it more affordable for you. These changes may include:

	1) Reducing or modifying the interest rate
	2) Extending the term of the loan
	3) Changing the monthly payments
	4) Reducing your loan balance
	5) Combining any of the above

A Loan Modification will give you a fresh start, bringing your mortgage up to date after capitalizing any delinquent interest, escrow, fees, and other costs based on investor guidelines.

We Will Assist You FREE OF CHARGE!

WHY FREE OF CHARGE? Because when in the future you need a home loan or real estate services, we have no doubt that you will think about us FIRST.

Call 1-877-APPLYFREE

Purchase

Residential, Commercial!

Refinance

Residential, Commercial!

Investment!

Residential, Commercial!

Call 1-877-APPLYFREE

Need Insurance?

Need a Doctor?

Need a Dentist?

Health, Dental, Life Plans, and More

We partner with over 150 national and regional carriers to help you find a plan that delivers the most value for your insurance dollar.

To learn more about our health and benefits coverage and receive a free quote, please

Call 1-8

Call: 1-888

How To Purchase Real Estate at 10% to 50% Discount!

Closeouts & Liquidations

More Benefits & Faster Results For Real Estate Investors and Every Homebuyers!

I have established a number of exclusive services for buyers that not only pay attention to you, but treat you to the most professional

red-carpet service you’ll ever know; let me explain just one.

My Hassle-Free Homebuyers’ Assistance Program

Real Estate tradition says that when an agent works with buyers, it’s up to the agent’s discretion as to which properties you’ll see. In reality the agent can be overlooking properties of interest to you, but you’ll never know about them because you never see them!

I have respect for the choices you’d like to make in our real estate market. You should have extensive input on the type of properties you’re interested in. And, you should be the one deciding which properties in our market you’d like to see.

BUYING PROPERTIES AT FAIR MARKET VALUE SHOULD BE THE LAST RESORT. YOU SHOULD ALWAYS ACQUIRE

PROPERTY AT 20% TO 50% DISCOUNT. I SPECIALIZE IN LOCATING DISTRESSED PROPERTIES AND

THAT IS WHY I WORK WITH MANY SUCCESSFUL REAL ESTATE INVESTORS.

At no obligation to you, you’re invited to fill out a detailed questionnaire that tells me what you’re looking for in a home. After I receive the questionnaire back, I enter your information in my Homebuyers’ Assistance Program database and from that point forward, send you detailed information on any new listings that fit your criteria. No, I don’t just limit your package to MLM listings, like many real estate agents do, which is extremely unfair. You receive a package of every new listing in the area you stipulate, as well as those distressed properties.

Decide which properties interest you and drive past any of those addresses at your convenience. When certain properties strike your fancy, give me a call. I’ll immediately schedule an appointment to take you in for a closer look.

Pick up Your Phone and Call me Toll-Free Today at

1-877-APPLYFREE

Sincerely, Andre Plessis, Licensed Real Estate Advisor & Mortgage Planner With Rubicon Real Estate

	Appliances
	Health & Beauty
	Auto Supplies
	Housewares
	Baby Goods
	Kitchen Items
	Building Items
	Light Fixtures
	Clothing
	Office Supplies
	Doors
	Paint
	Electronics
	Soaps
	Food Items
	Stationery
	Hardware
	Toys

Purchase & Resell of closeout merchandise

Alarm Monitoring

Liquidators & Resellers of Furniture

Professional Handyman

The Lowest Priced Monthly Monitoring Available

No Long-Term Contract

Works with alarm systems installed by homeowners or professionally-installed existing systems alarm

Monitoring Service For Only $9.99 / Month

CALL 888

Browse our huge selection at www.XYZ.com.

NOW Open 7 Days a week Monday Through Friday 9 AM Till 7 PM

TV, Refrigerators, Desks, Armoires, Chairs, Lighting, Tables, Sofas, Lamps, Bedding, Mirrors AND MORE!

Call: 888

NO JOB TOO BIG OR SMALL!

PAINTING - KITCHEN & BATHROOM - DOOR/WINDOW REPLACEMENTS - ROOM ADDITION - FLOORING - DECKS - COUNTER TOPS - DEMOLITION - DRYWALL - PLUMBING

Call: 888

Need Money?

Credit Repair Services

Flooring Liquidators

For Your Business or Personal? FAST & EASY

Apply Online at www.MoneyFast.com or Call Toll-Free 1-888-872-2285

We Make Credit Repair Fast, Easy and Effective for Our Clients.

We’re here to help you achieve your optimal credit profile. We work with the credit bureaus and your creditors to resolve issues on your credit reports. We work on items that should be deleted or removed, items that should be updated, and items that should be re-characterized. We’ve studied credit reporting, the credit bureaus and creditor reporting methods to maximize the results we can obtain for you.

FREE Consultation Call

1-888

Searching for the lowest prices available on laminate, hardwood, carpet or tile flooring?

Look no further than Flooring Liquidators. We sell first quality overruns, closeouts, end of run, end of bolt and discontinued lines of flooring by overseas brands as well as the big name flooring manufacturers at 30%-65% below retail.

CALL 888

SmartBizConnection

Need Affordable Home & Car Insurance?

Upholstery

Your #1 Source For Mexican Art, Plates, Mirrors, Tiles, Wall Planters, Switchplates, Sinks, Dinner Sets, Posters, Postcards, Photos , Frames, Vantage and French Art

www.SmartBizConnection.com

We have one of the most complete collections of residential and commercial fabrics and trim available.

We have thousands of fabrics from which to choose.

We are a manufacturer of custom upholstered furniture servicing design firms, large retail stores,

restaurants, hotels, nightclubs, commercial buildings, and upscale homes.

Call: 888

Home Auctions

Find Hot Deals

Injured in a Car Accident?

See all properties listings and auctions at www.hudsonandmarshall.com

Your # 1 Source for Business Surplus Liquidation Excess

Buy Computers / Copiers / Printers / Electronics / General MerchaDENTAL CARE NOWndise

www.Liquidation.com

THE ONLY WAY TO GET THE MOST, AND FAIR COMPENSATION IS BY HIRING AN EXPERIENCED LAWYER WITH PROVEN TRACK RECORD WHO WILL GET WHAT YOU DESERVE

CALL 1-888-

Tax Problems?

Dental Care Now

Protect Your Family

FREE CONSULTATION

RAPID RESULTS

CALL 888-

FREE CONSULTATION

NO INTEREST PAYMENT PLANS

1-888

PROTECT YOUR FAMILY & INTEREST WITH A LIVING TRUST

Without a Trust You’re at the Mercy of ....

Call Today For Your FREE Consultation

1-888-

HVAC installation & Prevention Maintenance Service

GET MAJOR TAX WRITE OFFS!

We at West Coast Chief Repair want to save you valuable time and money by offering a preventative maintenance service on your appliances and/or heating systems. Did you know that central air conditioners and/or heaters are recommended to have maintenance performed at least twice a year? We would like to have you call us at West Coast Chief Repair for any of your air conditioning, heating, and/or appliance repair needs, and to show our loyalty to great customer service, we are offering $15-off on ANY repair bill. Looking for a new HVAC installation? We are also offering $100-off on all new HVAC installations and 1 full year SAC (same as cash) financing.

Coast Chief Repair Call us toll free: (800)

Homeowners GET MAJOR TAX WRITE OFFS!

Call: 888

Consumer Alert - Advance Fees and Loan Modification Services

If you are behind in your mortgage payments, you may be contacted by individuals or companies that will offer to help you work out a loan modification with your lender or provide other services to you in order to help you prevent a foreclosure on your home. You must be very careful if you are asked to pay for any of these services in advance. Visit: http://www.dre.ca.gov/mlb_adv_fees.htm

How To Spot a Ponzi Scheme

The Ponzi scheme usually offers abnormally high short-term returns (usually 25% or greater) in a short period of time (3 to 9 months), in order to entice new investors (victims). To keep the scam going an ever-increasing flow of money from investors is required. If someone offers you a return substantially greater than the prevailing bank, stock market and/or US Federal prime interest rate, you can assume it is a scam. In recent history, the best sustainable true rates of return from legal activities is in the 5% to 20% annually. Most long term investors figure that 8% annually is an excellent rate of return. "Doubling your money" in anything less that 5 years can pretty much be assumed to be a scam, or based on illegal insider information. Of course, there are exceptions to this, but they are rarely predictable; and only seen in retrospect. We'll bet the odds of you encountering a legitimate such return are about the same as being hit by an asteroid while having dinner on your birthday.

How To Spot Mortgage Fraud

Beware of Auto Title Loans

Driving Borrowers to Financial Ruin

Like payday loans, car title loans are marketed as small emergency loans, but in reality these loans trap borrowers in a cycle of debt. A typical car title loan has a triple-digit annual interest rate, requires repayment within one month, and is made for much less than the value of the car. Car title loans put at high risk an asset that is essential to the well-being of working families, their vehicle.

Title lenders have made generous campaign contributions, and industry-friendly laws have passed in some states at breakneck speed. In other states, title lenders have sought to hide the true nature of their products in order to exploit loopholes in existing laws, pretending, for example, that their abusive loans are "sales and leasebacks," "pawns," or "motor vehicle equity lines of credit."

Insurance Tips For Homeowners

Guaranteed Replacement Value Insurance: All homeowners should buy "guaranteed replacement value" homeowners insurance. This means that their home will be rebuilt in the event of a disaster - no matter what the cost. Of course, many of you may be thinking that this is what would happen anyway, right? Wrong. Because home values have increased substantially in recent years, it probably costs more to build a house than when you originally purchased your home and your insurance policy. The good news is that guaranteed replacement value policies will absorb the increased costs and provide the homeowner with a cushion if construction prices increase.

To avoid any discrepancies and any delays in receiving your insurance money for your home, make sure you document everything. Photograph and videotape the entire contents of your home and the home itself. Then store these photos and videotapes in a fireproof box. In addition, consider storing a copy of the photos at a relative's house, and/or in a safety deposit box. Doing this will help homeowners compile an inventory of their possessions (which is what the insurance company will demand) after a disaster. It will also, by extension, dramatically shorten the length of the claims process if a disaster does occur. Homeowners' insurance is a necessity. There are ways to save money, but there are also some features that homeowners shouldn't skimp on. Make sure you know the difference.

Payday Loans: Dangerous Consumer Rip off

Payday loans, also called "cash advance loans," "check advance loans," "postdated check loans," or "deferred-deposit check loans," may seem like an easy solution to a temporary cash shortage, but for many people, payday loans are the beginning of a vicious and very expensive cycle that they find difficult if not impossible to get out of.

Examples of Payday Lenders' Fees

A company will advance you $200 for up to 15 days for a fee of $60. You can get up to four 15-day extensions for $60 each (for a total of $240 in fees). If the fees cause you to have insufficient funds in your bank account, you'll be charged a $25 returned check fee by the company in addition to your bank's returned check fee. The interest rates on payday loans range from 300% to over 1,000%.

Are Their Options to Payday Loans?

The US Federal Trade Commission’s recommendation is to avoid payday lenders. They recommend these alternatives for safer and less expensive loans:

	Contact a local credit union.
	Ask for a pay advance from your employer.
	Consider a loan from family or friends and get the terms of the loan in writing.
	Use a credit card advance.
	Request additional time to pay the bill from your creditors instead of taking a payday loan.
	Find out what your options are before you need a short-term loan.
	Look into overdraft protection on your bank account so if you don't have enough funds to cover a check you write, the bank will pay the check and you'll avoid insufficient fund fees and returned check fees.
	See credit counseling.
	Plan ahead to prevent financial emergencies

BEWARE: Mailer charging fees for property tax reductions called a rip-off.

The mailers offer to obtain new county assessments on homes as well as homeowners’ tax exemptions at fees ranging from $39 to $95. But the counties provide these services at no charge.

Is Interest on a Reverse Mortgage Deductible?

No interest on reverse mortgages is not tax deductible. Don't count on reverse mortgages loan salesmen to tell you that.

Free national US search for registered sex offenders.

Map registered sex offenders to see who lives in your area. www.FamilyWatchDog.us

Mistake To Avoid: Being Underinsured

Make sure your home is not underinsured. If you have lived in your home for at least 3 to 5 years it’s probably worth much more today. But if you haven’t updated your homeowners’ insurance you may be in trouble. You could lose a lot if a disaster strikes. Ask your insurance provider to reassess your home’s replacement cost and adjust your coverage accordingly.

Can I Refinance my House and Pay NO Closing Costs?

If a lender assures you it can refinancing your home with no out-of-pocket expense to you, that doesn’t mean it’s a nicer source of funds. It is a code for "We’re rolling our closing cost fees into your loan". You’ll just pay a higher interest rate!!

New Websites Help Customers Resell Phone Services

Making use of a loophole in cellphone contracts, some Web sites help users to sell their contracts. Among the sites offering such services: www.CelltradeUSA.com , www.Resellular.com , www.Cellswapper.com and www.Wirecracker.com . The sites charge fees ranging from $14.99 to $50, below the usual termination fees.

What is the best way to hold real estate?

The best way to hold title to real estate is usually in a revocable living trust.

Missing a Tax Refund? GET IT NOW!

So how to get the missing tax refunds? Just visit www.irs.gov and use the "Where’s My Refund" tool linked on the home page.

You may also call 1-800-829-1954.

Water. A Powerful Cleaner!

Electrolyzed water effective as chemical cleaner, study finds. Scientific tests confirm that electrolyzed oxidizing water can replace the chemicals used for cleaning equipment in the food industry. Electrolyzed water technology converts tap water into a disinfectant, which has been proven to be 80% more powerful than chlorine bleach, yet it is harmless to the environment and people.

Credit Report

Negative credit items will automatically come off your report after seven years; a bankruptcy will stop being reported to the credit bureaus after 10 years and a foreclosure after 12 years. Your report should be cleaning itself after many years. A secured card, is an excellent way to rebuild your credit. Just make sure that you do not select a card that has excessive fees. As for getting a secured card, you can visit www.cardtrak.com

Getting Unemployment Benefits

Important Websites & Phones Numbers

Apply for unemployment insurance benefits at: https:/eapply4ui.edd.ca.gov

Information Booklet at: www.edd.ca.gov/unemployment

NO Cost help from the Employment Law Center at:

(415) 864-8208


Big Marketing Ideas Without The Big Spending!