Taken from the Federal bereau of investigation web page

House Stealing
The Latest Scam on the Block

03/25/08
What do you get when you combine two popular rackets these days—identity theft and mortgage fraud? A totally new kind of crime: house stealing.
Here’s how it generally works:
…The con artists start by picking out a house to steal—say, YOURS. 
…Next, they assume your identity—getting a hold of your name and personal information (easy enough to do off the Internet) and using that to create fake IDs, social security cards, etc. 
…Then, they go to an office supply store and purchase forms that transfer property. 
…After forging your signature and using the fake IDs, they file these deeds with the proper authorities, and lo and behold, your house is now THEIRS.*
There are some variations on this theme…
…Con artists look for a vacant house—say, a vacation home or rental property—and do a little research to find out who owns it. Then, they steal the owner’s identity, go through the same process of transferring the deed, put the empty house on the market, and pocket the profits. 
…Or, the fraudsters steal a house a family is still living in…find a buyer (someone, say, who is satisfied with a few online photos)…and sell the house without the family even knowing. In fact, the rightful owners continue right on paying the mortgage for a house they no longer own.

It can get even more complicated than this, as we learned in a recent case out of Los Angeles that we investigated with the IRS. Last year, a real estate business owner in southeast Los Angeles pled guilty to leading a scam that defrauded more than 100 homeowners and lenders out of some $12 million. She promised to help struggling homeowners pay their mortgages by refinancing their loans. Instead, she and her partners in crime used stolen identities or “straw buyers” (people who are paid for the illegal use of their personal information) to purchase these homes. They then pocketed the money they borrowed but never made any mortgage payments. In the process, the true owners lost the title to their homes and the banks were out the money they had loaned to fake buyers.

So how can prevent your house from getting stolen? Not easily, we’re sorry to say. The best you can do at this point is to stay vigilant. A few suggestions:

• If you receive a payment book or information from a mortgage company that’s not yours, whether your name is on the envelope or not, don’t just throw it away. Open it, figure out what it says, and follow up with the company that sent it.
• From time to time, it’s also a good idea to check all information pertaining to your house through your county’s deeds office. If you see any paperwork you don’t recognize or any signature that is not yours, look into it.

House-stealing is not too common at this point, but we’re keeping an eye out for any major cases or developing trends. Please contact us or your local police if you think you’ve been victimized.

Patient shopping

Yes that's right patient shopping. This is what happens here in Australia when you become a bit dottery. You know as you get older we all tend to slow down and sometimes forget things. If you go to hospital and have an an an-ascetic and are kept over night you are assessed and if you live alone then you become a target for the doctors with nursing homes to fill. You are deemed to be incapable of looking after yourself and are forced into a nursing home and your house is sold and you have no say. One of my friends had this happen and before his mum went into hospital he got her to sign a order giving him right to make decisions for his mother. They tried and her Power Of Attorney saved her and her house from being taken from her by the greedy ones. They would have owned her. Just another commodity to be bought and sold to make money for the greedy ones. It was unfortunate that I didn't get a power of attorney on my ex wife. They would have told me they were releasing her from hospital. The trouble with a power of attorney your family can do the same to you.

Reduce overheads

For those of you who are not business minded this is getting rid of unneeded bills.  Insurance is on of those bills and a large one at that, followed by water rates and electricity bills. I am talking from the position of being single so it is easier.
What does one really need to live in relative comfit.
Some where to keep dry and safe
some where to keep NEEDED items
Some where to cook a basic meal
some where to keep clean
Some where to relax
As you can see the list is not massive.
My mate has a place at Lightening Ridge and the temperatures rise and fall massively.
He had two sheds made from steel, with wooden floors from one of my demolition sites. The sheds were clad with roller doors and the frames from bed frames. Total cost in the hundreds, then there was two water tanks of one thousand liters each.
On one occasion we went for a walk during the day and got one hundred yards away and were forced to return to the safety and comfit of the sheds.
This was a halleluiah moment for me and  one I am sharing here with you.
The other halleluiah moment has been dealing with an insurance company and realizing my mistake carried over forty years.
Concrete and steel and aluminum windows are high in embodied energy they say.
Lets debunk this mith, wooden house insurance for forty years the cost to the environment to pay for this insurance in fuel to go to work child care wear and tare on the car, the insurance on the car all paid for in environmental dollars.
Concrete house with aluminum windows with steel reinforcing. Paid for once no painting and maintenance, fire proof water proof wind proof no insurance resistant to vandals it just won't go away.
We have not yet seen fully engineered houses made from light weight concrete. Rubbish can be imbedded into concrete along with paper polystyrene plastic. If you then cover the whole thing with dirt the energy consumption of the house goes down.
You will never see this type of building become the normal as the vested interests of the building industry and insurance companies will stop there construction.
What do the rich people live in?  Concrete! What are government buildings made from? Concrete!
What are the insurance company buildings made from? Concrete!
Concrete houses are cheaper in the long run by far in environmental dollars, you will not need the child care and the working wife to live. Living is not going to work every day of your life leaving your unpaid insured house alone for who ever, who maybe wants and takes its contents.
You have a life to pursue happiness that's your constitutional right in the U.S.of A.
Look during the second world war there was a bomber that smashed into the Empire State Building and it never came down, Why? No explosives and you guessed it Concrete!

Whats the difference?

Sunday, May 5, 2013

Whats the difference?

Whats the difference between a loan shark and an insurance company?
The insurance company breaks your legs after you give them money!!!!
Taken from http://nrma.blogspot.com.au/