How To Easily Find Many Houses You Can Have

 

This is everyone’s nightmare-you find the dream home just to see the asking price and your stomach drop by.

Can you buy it? Is there a way to gather your resources and assets to succeed?

And what if you pick something small and dirty, in a bad city area because you think you can not afford to pay better, just to find out (after you signed the papers) you can?

Before you commit to signing on the dashed line, it’s a good idea to research how many homes you can afford and whether you can grow or if you have to reopen them.

Here are some simple ways to find out how much you are entitled to borrow money from property fees and basic tips on how to prepare your financial information to help you get started on the right foot. Plus we will make it easier with home loan calculator which will save the cost of math!

Find out what the lender will ask for

There are a few things to consider before you set out to net net for a loan solution.

1. Gross monthly income
How much did you earn a month, before your bills and expenses went out?

2. Debts and monthly fees
If you have a credit card, an existing loan or a continuous monthly fee, you should make a note before starting.

3. Credit score
Use online tools to find out your credit score. The quality of your score will affect how many banks are willing to lend you.

4. Advance payment
How much can you give in a lump sum and how much is needed?

Get all your financial information together before you approach a bank or loan company so you know where you are.

Even this information gathering practice will give you a rough idea of ​​what you can afford, thus avoiding disappointment more easily.

You may also want to compile a list of questions to ask for your bank or realtor, such as property taxes and how much the closing cost of the property will cost.

Use a home loan calculator

This is the fastest and easiest way to find out how many homes you can afford.

Just use an easy tool to include all your monthly expenses and the expenses you expect to pay in a new home.

The home loan calculator will show you how much you can borrow, so you can not get away with more than you can handle or less than you can afford. Easy!

Consider future costs

Housing costs are not just about ticket prices, you know. Each property comes with an upcoming monthly fee:

– Utilities
– Home care
– Tax
– Insurance

You also have moving costs and home interior costs to think about, so do not forget to add them to your list!

If you have all your finances together and you have used a home loan calculator to see how much you can borrow, you are ready to plunge into the world of housing market!

What You Need to Do Immediately After a Car Accident

 

Even the most careful drivers get into accidents. And while some get away with a few scratches, there are not so lucky ones who get badly injured – sometimes, fatally.

If you find yourself suddenly involved in a car accident, getting in touch with a Boca Raton personal injury lawyer may not be a priority for you. However, it should still be one of your considerations, especially if you want to protect yourself and your interests. We’ll get into that first but first things first …

Do not go anywhere.
If you caused the accident, you may be tempted to flee the scene.

DO NOT! There are serious criminal penalties for hit-and-run drivers.

The best thing you can do is to turn your vehicle’s hazard lights on. It’s always a good idea to have emergency flares, cones and warning triangles in your trunk so you can set them up to alert traffic.

Stay calm and call for help.
Make sure that you do not let your emotions get the best of you. You need to keep a level head to check if everyone involved in the accident is okay.

If someone’s hurt, call an ambulance. Your quick thinking could mean the difference between life and death.

Also, do not move anyone who’s unconscious or has neck or back pain. You might cause more harm than good. It’s best to wait for someone who has proper medical training for these kinds of situations.

Call the police.
Even for minor accidents, you need to call the police. Your insurance company will most likely ask for a police report. Do not forget to get the name and badge numbers of the responding officers.

Be prepared to exchange information.
Other drivers involved in the accident will ask for your name, number, address, license number, license plate number, and insurance information.

Be sure to do the same but do not volunteer more information than necessary. You may be admitting guilt unintentionally.

Consult with a Boca Raton personal injury lawyer.
Before you notify your insurance agency about the accident, consider getting in touch with a personal injury lawyer. Remember that some accident-related injuries do not manifest immediately. These could appear days, weeks, or months after the accident.

If you get an offer from your insurance company to settle, your lawyer can advise you before signing any documents. From making sure you get fully compensated for your damages, your attorney is there to help.

Inform your insurance company.
Explain what happened to your insurance agent as clearly as possible. Stick to the facts and give your full cooperation. If they find out that you have lied about the accident, they can deny you coverage.

Bonus: FAQs about Vehicle Insurance
The Florida Department of Highway Safety and Motor Vehicles has an FAQ section about vehicle insurance for cars involved in a crash. If you are confused about automobile insurance laws, this will be a good place to start learning.

However, if you want to maximize your recovery if you’ve been injured in a car accident, consider hiring a Boca Raton personal injury lawyer. Hiring an experienced attorney will go a long way in making sure you’re compensated for all your injuries.

How To Find a Personal Injury Lawyer: 3 Questions You Have to Ask

 

Have you been in a car wreck?

If you were injured, finding a personal injury lawyer should be at the top of your to-do list.

If you think your insurance will cover everything, you can be in for a nasty surprise if things do not go as planned.

According to the CDC, the car accidents that result in injury cost driver is over $ 3,000 on average at the emergency room. Most American’s injured in a car wreck end up paying nearly $ 60,000 over their lifetime costs related to the accident.

And those are just the averages. Many car accidents result in much higher medical costs.

If you’ve been injured in a wreck, finding a personal injury lawyer is vital
Picking the right lawyer is an important decision. While there are lots of lawyers to choose from, find the best lawyer for you and your case can be a bit more difficult than picking the first one you see.

How to find a personal injury lawyer is a process in itself. But, if you have a few choices lined up, great.

But how do you know you’ve found the right lawyer?

Easy. Ask lots of questions.

Let’s take a look at three questions you should always ask a personal injury lawyer before hiring them to represent you. While there are certainly more specific questions that you should ask, this will get you off to a good start.

Have you done this before?
If you were filing for bankruptcy, you’d want a lawyer that was an expert on bankruptcy, right?

The same is true if you’ve been injured in a car accident-you need an experienced personal injury lawyer.

It’s easy to assume that the law is the law and all attorneys are all the same. But this could not be further from the truth.

Finding a good personal injury lawyer will greatly increase your ability to win and get a good settlement.

What will I have to pay?
Be sure to ask up front what you will be charged and how. Knowing what you’ll be responsible for financially before inking a deal can save you all sorts of headaches later on.

Some things to consider when asking a potential lawyer about their fees:

What are their hourly rates?
How often will you be billed?
Will you be billed for communications like phone calls or emails?
Will we be successful?
Just because they’re a big name law firm with billboards all over town does not necessarily mean that they have had success with the like in your past.

Be sure to ask specifically if they’ve dealt with cases like yours in the past.

Final thoughts on finding a personal injury lawyer
Finding a personal injury lawyer that will handle your case well and get the settlement you need can be tough. But hiring a bad lawyer can be even tougher for you in the long run.

Take Security into Your Own Hands and Get a HIPAA Risk Assessment

If the organization handles protected health information, or the IRC, the Department of Health and Human Services requires you to conduct a risk analysis as the first step toward implementing safeguards specified in the HIPAA Security Rule, and ultimately achieving HIPAA compliance.

This includes all HIPAA hosting providers.

But what does a risk analysis entail exactly? And what should be included in your report?

The Health and Human Services Security Standards Guide outlines nine mandatory components of a risk analysis.
Conducting a thorough HIPAA risk assessment is extremely difficult to do yourself, though. You may want to contract with a HIPAA auditor to help you.

Most people simply do not know where to look, or they end up bypassing things because they do not understand data security.

If the risk analysis is foundational to your security, then you do not want to see the key elements in the analysis.

There are nine components that healthcare organizations and healthcare-related organizations that store or transmit electronic protected health information must include in their document:

1. Scope of the Analysis

To identify your scope – in other words, flats within your organization.

This includes all ePHI – portable media, desktops and networks.

There are four main parts to consider when defining your scope.

Where PHI starts or enters your environment.
What happens to it once it’s in your system.
Where PHI leaves your entity.
Where the potential or existing leaks are.
2. Data Collection

Below is a list of places to get you started in the documentation of where PHI enters your environment.

Email: How many computers do you use, and who can log on to each of them?
Texts: How many mobile devices are there, and who theirs?
EHR entries: How many staff members are entering in data?
Faxes: How many fax machines do you have?
USPS: How is incoming mail handled?
New patient papers: How many papers are required to fill out? Do they do this at the front desk? Examination room? Somewhere else?
Business associate communications: How do business associates communicate with you?
Databases: Do you receive marketing databases of potential patients to contact?
It’s not enough to know only where PHI begins. You also need to know where it goes once it enters your environment.

To fully understand what happens to PHI in your environment, you have to record all hardware, software, devices, systems, and data storage locations that touch PHI in any way.

And then what happens when PHI leaves your hands? It is your job to ensure that it is transmitted or destroyed in the most secure way possible.

Once you know all the places where PHI is housed, transmitted, and stored, you’ll be better able to safeguard those vulnerable places.

Identify and Document Potential Vulnerabilities and Threats

Once you know what happens during the PHI lifecycle, it’s time to look for the gaps. These gaps create an environment for unsecured PHI to leak in or outside your environment.

The best way to find all possible leaks is to create a PHI flow diagram that documents all of the information you found above and lays it out in a graphical format.

Looking at a diagram makes it easier to understand PHI trails and to identify and document anticipated vulnerabilities and threats.

A vulnerability is a flaw in components, procedures, design, implementation, or internal controls. Vulnerabilities can be fixed.

Some examples of vulnerabilities:

Website coded incorrectly
No office security policies
Computer screens in view of public patient waiting areas
A threat is the potential for a person or thing to trigger a vulnerability. Most threats remain out of your control to change, but they must be identified in order to assess the risk.

Some examples of threats:

Geological threats, such as landslides, earthquakes, and floods
Hackers downloading malware onto a system
Actions of workforce members or business associates
Again, if you’re above-average in terms of compliance, you may only have a minimum understanding of vulnerabilities and threats. It’s crucial to ask a professional for help with your HIPAA risk assessment.

Assess Current Security Measures

Ask yourself what kind of security you are taking to protect your data.

From a technical perspective, this might include any encryption, two-factor authentication, and other security methods HIPAA hosting provider.

Since you now understand how PHI flows in your organization, and can better understand your scope. With that understanding, you can identify the vulnerabilities, the likelihood of threat occurrence and the risk.

Determine the Likelihood of Threat O

How to Know Your Local Dispensary is High-Quality

When Fox called Colorado “Black Market” when it legalized marijuana, should not it have been called the Green Market? As soon as the state’s law went into effect, cannabis dispensary after cannabis dispensary sprung up, showering the state with green – of the pot and the financial kind.

With all the choices in Colorado and across the country, you’ll find a high-quality local dispensary. Read on to find out how to see a store where you should be shopping more.

How to Know Your Cannabis Dispensary is High-Quality
Whether your town has one single outpost or dispensaries are now growing like you know what on each block, from a high level, they all sort of seem the same. They sell cannabis products, plus accessories, right? What else is there?

Quite a bit, actually. Here are some tips for your dispensary is a match for you:

Location, Location, Location
How far would you go for a good high?

This one factor alone can decide whether your dispensary is going to be a match. Convenience can mean a lot of things, including:

Is the dispensary close to your home, work, gym, or another facility you frequent?
Is it open hours that are convenient to your schedule?
Is the parking lot accessible?
Is the location safe? Some dispensaries have found a home in less-than-savory areas because they are the ones they cater to. But you may not want to run a gamut of homeless people or encounter drug supplies just to buy a baggie.
Fortunately, as more dispensaries join the ranks, you can search them out online. Find a site that is specifically dedicated to your state and enter your zip code. Some sites offer additional options to narrow your search as a strains or offerings (such as edibles, pipes, etc).

Keep in mind that if you’re traveling, you can use site locators, too. Just make sure to comply with that state’s rules. You may live in a state which has legalized pots, but if you do not have a medical license, you may be out of luck. (And out of pot.)

Super Selections

The idea of ​​having a wide variety (a cannabis buffet, if you will) is not necessarily a way to tell if your cannabis dispensary is high quality. But it CAN be.

It’s sort of like the jack of all trades idea. You do not want your dispensary to have so much supply that you can not help what’s in stock.

But it would also be nice if you had enough selection to sample around, try new things, experiment a bit, when the idea calls.

Is the Price Very Nice?

Price does not always indicate high quality, but it’s what some of the cooler dispensaries are doing that shows their dedication to happy customers

Maybe your local dispensary has a senior discount or contributes to charity.

Some cannabis dispensaries have specials throughout the month, buy 4 get 1 free deals, themes and giveaways, and of course, celebrations on April 20, the unofficial national pot day. (That’s 420, the stoner code.)

Meet the Cannabis Dispensary Budtenders
As fact as according to Leafly, a marijuana news site, buyers spend 90 percent of their time with the shop’s budtenders , and these folks can really make or break a store.

Budtenders are not just stoners who want a job that allows them to smoke up on company time.

They actually care about this stuff, big time, and they can really help you.

High-quality cannabis dispensaries will have high-quality help. They can answer so many questions for you about the products such as:

How much THC is in this versus CBD?
How fast does this high come on?
Is this filled with shatter?
Will this help my back pain?
Budtenders are also your go-to option to talk! Yes, they actually want to (and if they just try to take your money and rush you out the door, GO out the door, and never go back!). They’re excited to talk about new products and even share their own experiences.

In light of legalization, there are even budtender certification programs now. But do not hold this against your cannabis dispensary or your favorite worker. Most shops do not require the certification. Good knowledge and superior customer service still win the day.

Higher Quality, Higher Percentages, Higher High
Even if you’re new to cannabis, you’ve probably heard that a lot of the high points of something called a “concentration” of the cannabis.

One way that cannabis aficionados know that can get good strain (from the high-quality dispensary).

In fact, though we get bought from the streets or a private dealer may be cheaper, it is often weaker. (So ​​your money may go farther, but y

5 Benefits of Getting a Payday Loan

Now part of the multi-billion dollar industry, fast payday loans online in the UK and beyond are becoming increasingly popular.

In the UK there is a fourfold salary loan issued in 2009 because in 2006 there was.

With the first use since the 1970s, payday loans are not a new service. So, why is there an increase in popularity?

Simple and simple: it’s all about the benefits.

Let’s calculate how online loan payday can benefit you.

Earn money fast
One of the most interesting things about payday loans online is how easy they get it. Not only that, it’s also a fast process!

Quite a few people can qualify for a payday loan.

All it takes is a relatively stable bank account and a small service charge. In addition, with the right bank account information, you can instantly receive the money.

Depending on where your lender is going, there may be a need for some basic information, but that’s the point of it.

Prevent payment delays
Using a payday loan can help avoid late payment of the bill.

Whether it’s a utility bill to pay, or if you just need the extra money to pay the rent on time, payday loans can help.

Millions of people around the world are making use of online salary loans to help keep their finances running smoothly and balanced.

Avoid credit cards and bounce checks
Many people get caught up in a credit card situation with high interest rates, where they end up paying more for something than is actually valuable.

Payday loans are a substitute for credit cards because they finish the job, and there is no bond.

You can also avoid a bounce check with a payday loan. The advance from the lender can be the difference between shyness and obeying your words. With the economic difficulties that still exist, it is more important than ever to remain true to your words.

After all, your words are your bond.

No credit, no problem
Payday loans are perfect for people who have some sort of income, but no credit because no credit checks are involved.

Most of the time, the only items you need to qualify for an online salary loan are an identity card (must be over 18 years of age), a bank account, and a stub paying some sort of income.

Get support during difficult times
Life happens, and sometimes we all need a helping hand. Unexpected or dismissed costs should not mean that payments have gone by or your family has done so.

Payday loans can help when needed.

A medical emergency is one of the biggest causes because it requires a down payment. Bills like these should not be left unpaid, and with the ease of online lending, they no longer have to be so.

Other common experiences that demanded payday loans face unexpected car repairs. When a mechanic asks for a bill for the few hundred dollars you did not expect to spend, you guessed it like a bag of bricks.

With a down payment, it’s easier to keep your head on the water in these situations.

The list of unexpected costs can continue, from unplanned home repairs until the last trip for a funeral.

Do not let the lack of money keep you from doing the most important things.

Rose Color Meaning What Do You Actually Say

Rose Color Meaning What Do You Actually Say

Giving a bouquet of roses is a gesture that everyone will appreciate. Make sure the color is correct! Different color roses have different meanings, so one should choose carefully.

To avoid making mistakes or convey something too strong, brush on the meaning of the color of roses below!

Meaning of Roses
Roses are red roses

There was once a classic red roses everywhere during Valentine’s Day. Their rich colors and beauty convey deep romantic love.

In ancient Greece and Rome, the red rose was a flower given to Venus and Aphrodite, the goddess of love. Loving lovers will place them in their temple for luck in romance.

Lovers have given roses since the fall of the Roman empire and its practice has been tested by time. They are suitable for special dates, birthday couples, or Valentine’s Day.

Pink Rose Rose Color Meaning What Do You Actually Say

The beautiful and simple pink roses are versatile in their meaning. Initially, they stand for love early or early but they can also express gratitude.

Light pink roses are reserved for novice romance and admiration. They are perfect for expressing emotions without saying “I love you.”

The dark pink rose, on the other hand, thanks and appreciates. They are a wonderful way to say thank you and will make the table partly striking.

Purple Rose

The purple rose symbolizes charm and to acknowledge love at first glance. The dark purple rose conveys a lasting love and is often seen on anniversaries.

White roses

Attacking its simplicity, white roses are often seen in marriage and birth. Their color reminds the mind of innocence and purity.

Along with purity, they expressed hope of a hopeful new beginning and have evolved to say, “I am thinking of you.” White roses are appropriate for funerals and also sympathy expressions.

Rose cream, white cousins’ darker cousins, representing grace and platonic love. They are a wonderful choice for performances and performances.

Yellow Rose Rose Color Meaning What Do You Actually Say

The yellow rose has a bright and happy attitude and is perfect for encouraging people. They express the feeling of fun and platonic that is perfect for close friends.

Their bright presence makes them deserve the best interest. They are perfect for sending to a friend after illness or surgery.

Orange Roses

The most unused of roses, orange roses can reveal many things. Their bright colors convey enthusiasm and enthusiasm in all kinds of different contexts.

Add orange roses to other color bouquets to make the meaning of other roses stronger. The combination of red and orange roses will express a more intense love than a red rose alone.

Bouquet Size
Giving a single rose is an elegant gesture but less of an impact than a bouquet. The classic rose flower bouquet has six or twelve and is not made up of roses and occasional baby breath.

If the meaning of the color of the rose avoids you, the florist will gladly recommend the appropriate color. No matter the color, the recipient will be very happy to receive them.

Is there any color in this list that is surprising? Let us know in his comments!

Meet the Weedtubers Who Get Paid to Toke Up

It’s fascinating how many people make a living by posting videos on YouTube.

Tutorials, family vacations, product reviews and other ridiculous antics make people rich overnight.

But have you heard of weedtubers?

These are people getting paid to smoke marijuana and post it on the internet.

That’s right – getting paid to get baked.

Read on to learn about some of the most famous weedtubers around.

Joel Hradecky: King of Weedtubers
Considered the king of the weedtubers, Joel Hradecky has 1.2 million followers, which he amassed in only 4 short years.

His YouTube channel CustomGrow420 showcases a variety of videos including him trying to smoke a gram of THC oil. This video racked up over 1.3 million views.

Which is almost as much as the 1.5 million who viewed Hradecky’s seven-minute coughing fit following his attempt. Seems like Hradecky’s success thrives, in part, on the psychological idea that humans enjoy watching other humans suffer.

But this cannabis king does not laugh (or scoff) for the love of entertainment. Thousands of fans actually turn to Hradecky for recommendations on bongs, strands of cannabis and other accessories.

Josh Young
If you’re mainly looking for advice and information on smoking weed, the different ways it can be smoked, or weed prices, Young is your man.

On his YouTube channel StrainCentral, Young smokes marijuana anywhere from 3 -10 times a day, right alongside his viewers.

Young thinks that sometimes his fans are just, “looking for a smoking buddy.”

In similar fashion to other weedtubers like Hradecky, Young also posts videos showcasing attempts at smoking large quantities of THC in a short period of time and the horrifying effects.

With over 373,000 subscribers, Young really makes a really good smoking buddy!

Coral Reefer
Being a weedtuber is not just for the boys. Do not worry ladies, you can be famous for smoking weed on YouTube too!

Just look at Coral Reefer. If you’re looking for an interactive weedtube experience, then Coral Reefer is your girl.

Coral Reefer hosts a live show every Sunday called “Stoney Sunday Live” where she answers weed-related questions from viewers and fans. Coral is very passionate about cannabis and its many benefits.

Visit her channel and you ‘ll see her attending marijuana events and sharing info about what’ s happening in cannabis news.

Jane Dro
Another weedtuber representing the female marijuana lovers out there is Jane Dro.

If you desire a more educational experience when it comes to cannabis, Dro is a powerhouse of information. Dro tells viewers the ins and outs of growing marijuana and offers tips, as well as an inside look at her very own grow room.

Check out Dro’s channel for in depth videos and product reviews for avid and serious cannabis users. You may even spot the next marijuana smoking star on our list when watching Dro’s channel – these two show up in each other’s videos.

Soundrone
You can not have a good smoking session without some good munchies. Soundrone is all about unboxing and reviewing products – and not just cannabis related items.

Visiting this quirky characters channel will win you the chance to see candy, drink, and snack reviews. A perfect compliment to your high.

His friends are interrupted by bong or blunt. Soundrone must be doing something right because not only is he a successful weedtuber, he’s also an entrepreneur.

Soundrone has his own hemp wick line known as Bee Lasso.

Are you YouTube’s Next Big Star?
It’s hard not to be motivated by these weedtuber stars. They’re getting paid to do what they love – that’s the great American dream, is not it?

Maybe your current hobby is something the world wants to see. Perhaps you’ll be a famous blogger turned YouTube star.

Part of these star’s fame comes from the public’s fascination with cannabis. Want to learn more about this drug and its growing popularity?

Why You Should Get a Vape Stater Kit and Start Vaping!

Vaping has become this generation’s biggest catch phrase. Vapers have become an entirely new genre of people sharing a similar interest.

No longer are kids smoking under the bleachers. No longer are adults needing to walk 500 feet away from their place of occupation to get a ‘smoke break’.

Vaping has become the safe middle ground that allows once-nicotine addicted individuals to appreciate the calming effects provided by the e-cigarette.

For many people, the act of smoking has always been about 2 actions: getting a nicotine fix and appreciating the calming effects associated with the act of smoking

Vaping has taken these two driving factors of smoking and created an alternate opportunity – just with a whole lot less nicotine.

Instead of waltzing into a niche and tar-filled cigarettes, vapers merely need a vape starter kit and a few e-juices to fit their fancy.

Get a Vape Starter Kit and Give Vaping a Try
Save some cash

Any avid smoker knows that buying a pack or a carton of cigarettes can become wildly expensive.

Depending on how much someone smokes, those little packs of cigarettes can make a huge dent in a budget!

Not so much with vaping!

Sure. There is a startup fee, but with only needing one vape starter kit – the savings begin immediately.

Become an expert

Vaping is not just a hobby or a way to unwind. Vaping has become a lifestyle choice.

Vape shops are popping up all over the world, and with those shops brings a type of vape aficionado status to those that appreciate all that vaping offers.

Knowing about vaping is one thing. Being an expert is a totally different approach to the growing vape phenomenon.

Plus, the world needs people to help clarify the differences between all the different vape starter kit options.

With names such as Smok Alien, Joyetech ATOPACK Penguin, Innokin Oceanus – understanding the differences between each vape starter kit takes an expert, for sure.

Hang with other vapers

Vaping has created a new type of community for people that smoke or just appreciate all that vaping has to offer.

Avid smokers can always strike up a conversation while on ‘smoke break’ or while standing outside of a non-smoking establishment.

The same is happening with vapers across the planet.

Stop smelling like smoke

For anyone who wanted to smoke but hated the lingering smell – vaping has eliminated that issue altogether.

Once the vape starter kit has been purchased, a world of flavor awaits.

There are hundreds of thousands of different e-juices available with varying levels of nicotine as well as zero nicotine.

That’s quite a bit more variety than the typical menthol and regular flavors of a regular cigarette.

The best part – NO lasting cigarette smell that sticks to clothing or skin.

Relax and enjoy life

One of the many highlights of the growing vaping population is the sheer relaxation of appreciating the e-cigarette lifestyle.

Vaping allows people to relax and enjoy life by continuing their smoke-like actions, just without the condemnation and judgment from nonsmokers.

For anyone choosing to lead a nicotine-inclusive lifestyle, and even for those that are not interested in nicotine at all – grab a vape starter kit and join a revolution of relaxers.

7 Ways to Tell if It’s a Timeshare Scam

 

Some timeshare scam artists go to great lengths to pull one over on timeshare owners. Do not fall victim to their trap.

Stay one step ahead of these con artists. Check out these 7 ways to tell if someone is trying to scam you for your timeshare!

7 Ways to Tell if it’s a Timeshare Scam
1. You Were Contacted With a Timeshare Offer Out of the Blue

The first sure sign of a timeshare scam is if you are contacted with an unsolicited offer.

If you’re advertising that your timeshare is up for rent or sale, of course, it makes sense that you will receive inquiries. However, legitimate companies will not contact you out of the blue with offers to rent or sell your timeshare.

This means that if you get an unexpected phone call from someone you’ve never heard of before asking if you want to rent or sell your timeshare, it’s likely a timeshare scam.

While they may have detailed information about their ownership, do not let this convince you that they are legitimate.

A lot of timeshare ownership information is easily available to the public, which means you can find out where you own, what you own, or even how long you’ve owned the timeshare for.

2. You Were Invited to a Seminar

In order to make one quick, big score, timeshare scam artists are desperate to gather as many timeshare owners as they can at once.

These scam artists rent a room at a local hotel and send out postcards to “invite” you to a presentation. This presentation is said to help you get more money out of your timeshare ownership through listing it for sale, renting it, donating it to charity, etc.

Scammers know you ‘re open to attending such events / presentations since that is likely the way you bought your timeshare, to begin with.

After they get your money, however, they’ll likely disappear, never to be heard from again.

3. You’re Offered More Money for Your Timeshare Than Your Asking Price

While not ideal, it’s the hard truth that timeshares do not make a great investment for owners that are hoping to sell for more than they paid.

The fact is that there are too many units available. These units are being sold by a bunch of pushy developers that have greater access to potential buyers.

This means that you can get a lot of money from you.

4. There’s an Interested Anonymous Buyer

Has someone in particular contacted you with a hot buyer who is “very interested” in purchasing your timeshare?

Watch out, this is probably a scammer.

If you ‘re being told that all you have to do is send the money for “closing costs,” do not believe it.

5. Online Complaints and / or Bad Rating

Hopefully, you take the name of the person and / or company that you’re considering to sell, donate, or rent your timeshare to.

Now, take the time to type it into a search engine and read up. Specifically, try typing in the name followed by the word “complaints” to see what you get.

This is a good way to find out if they have been posted in forums and complaint boards regarding their scammer experience.

Also, check to see if the person and / or company has a bad rating with the Better Business Bureau (BBB).

If the company has been earning a bad reputation, this is one of the best ways to find that out and uncover the truth.

The BBB is one of the most trusted sources of information about business and their reputations. Additionally, it’s one of the first places angry customers will go if they feel they’ve been scammed.

Learn from their mistakes through these quick searches.

6. They Want Money Upfront

You may be contacted by someone who wants money up front to “list” your timeshare.

They’ll tell you that for $ 600, $ 800, $ 2500, etc., they will happily “list” your timeshare for sale. Even if they do take your money and list your timeshare for sale, it will be in a place where virtually no one will buy it.

Only, they will not tell you that last part!

The demand for upfront payment can come in many other forms as well.

Con artists will not always be clear about the cost, so beware. Some may string you along explicitly stating that they’re not any upfront fees.

All the while they may be asking that funds be deposited into an “escrow account.” They will still be doing so without any intention of ever returning your funds.

7. You’re Asked for a Money Order or Wire Transfer

The biggest tip for timeshare sales, rentals, or donations is to not deal with anyone who requires payment upfront in a form that removes any chance that you can stop payment or protect yourself in the event that the promised service is never delivered.

If the person and / or company requires payment by money order or bank wire transfer, this is a huge red flag. Someone is likely trying to