Keep Your Info Safe This Holiday.

 

Mall security (ONLINE VERSION)

According to a 2014 Deloitte survey, 55 percent of American consumers say they are concerned about protecting their personal data when shopping online, and 42 percent say they have similar concerns when shopping in stores. With the holiday shopping season fast approaching, consumers need to be more vigilant about protecting their personal data. PC Magazine offers the following tips to shop safely online.

   If possible, avoid using a debit card for purchases. Most debit cards don’t have the same level of fraud protection that credit cards have. If a debit card is all you have, protect your PIN by shielding the keypad with your hand or body.

   Visit only trusted sites, which are more likely to be secure. Make sure an “https” appears in the site’s URL and a lock icon is visibly displayed. Log out of all shopping accounts after completing a transaction.

   Avoid using a public Wi-Fi for your online shopping and financial transactions. Also use a password manager to create strong, unique passwords for each shopping site.

   Provide as little information to merchants as possible. Online retailers do not need to know your social security number or birth date to do business.

   Purchase gift cards directly from the retailer, not through a third-party source. Some scammers will auction off gift cards on sites like eBay with little or no funds on them.

   Review online bank statements frequently to confirm charges; don’t wait for your monthly statement to arrive in the mail. If you notice any questionable charges, contact your financial institution immediately. Keep these suggestions in mind, and you can enjoy a secure holiday shopping experience.

Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country
Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com

WHEN IT RAINS, IT REALLY POURS

Tips and Trends for homeowners,Buyers and Sellers.     

   No matter where you live, emergencies are bound
to happen when you least expect them: the furnace
breaks down, appliances stop working, the roof starts
leaking or a window gets smashed. The costs for repairs
can be tough to stomach, unless you have an
emergency fund.

Setting up an emergency fund is easier than you think.
These tips from Bankrate.com will help you handle
unexpected surprises with ease.

   

•  First, estimate how much money you might need for the fund. Experts suggest saving enough to cover four to seven months of expenses. Remember, this fund should not replace your entire income, and it should not be used to fund luxuries, like vacations, fancy new clothes or a new car (unless your existing one breaks down).  Keep funds accessible, but not so readily available that you are tempted to borrow from it.

 

• Set up an account separate from your regular checking account. Consider using credit unions, which   allow consumers to open accounts with smaller sums of cash, and online banks, so you can’t withdraw money from a storefront location.

 

• Be sure to use the funds only for emergencies, such as replacing broken appliances, replacing the furnace or paying your regular monthly expenses after a job layoff or during a lengthy illness.  

•   Begin slowly. Start with a deposit of $50 from each paycheck, then increase it gradually with each job change or pay increase. Set aside a portion of commission checks and tax refunds, too.

 

 

With these simple steps, you’ll have greater peace of mind, knowing you are prepared for any emergency.

   

Steer Clear of SCAMS!

During the toughest of times, there are always a few swindlers who emerge with shady schemes that serve to make a bad situation a lot worse. The current foreclosure crisis is certainly no exception.
Here are the Top Ten Warning Signs of a Mortgage Modification Scam:

1. “Pay us $1,000, and we’ll save your home.”
Some Legitimate housing counselors may charge small fees, but fees that amount to thousands of dollars are sign of potential fraud – especially if they are charged upfront.

2. “I guarantee I will save your home – trust me.”
Beware of guarantees. Unrealistic promises are a sign that the person making them has not considered your specific circumstances.

3. “Sign over your home, and we’ll let you stay in it.”
Be very suspicious if someone offers to pay your mortgage and rent your home back to you in exchange for transferring the title. Signing over the deed gives another person the power to evict you, raise your rent or sell the house.

4. “Stop paying your mortgage”
Do not trust anyone who tells you to stop making payments to your lender and servicer, even if that person says it will be done for you.

5. “If your lender calls, don’t talk to them.”
Your lender should be your first point of contact for negotiating a repayment plan, modification, or short sale.

6. “Your lender never had the legal authority to make a loan.”
Do not listen to anyone who claims that “secret laws” or “secret information” will be used to eliminate your debt and have your mortgage contract declared invalid.

7. “Sign this now; we’ll fill in the blanks later.”
Take the time to read and understand anything you sign. Never let anyone else fill out paperwork for you. Don’t let anyone pressure you into signing anything that you don’t agree with or understand.

8. “Call 1-800-Fed-Loan.”
Some companies trick borrowers into believing that they are affiliated with or are approved by the government or tell you that you must pay them high fees to qualify for government loan modification programs.

9. “File for bankruptcy and keep your home.”
Filing bankruptcy only temporarily stops foreclosure. If your mortgage payments are not made, the bankruptcy court will eventually allow your lender to foreclose on your home…

10. “Why haven’t you replied to our offer? Do you want to live on the streets?”
High-pressure tactics signal trouble.
Your best bet for making sure that scam artists don’t end up with your shirt as well as your house: Contact a Certified Distressed Property Expert. CDPE agents are tapped into scams as they emerge and committed to keeping clients connected to legitimate solutions.

Cynthia Schmier
RE/MAX Country
206 Yelm Ave W, Yelm, WA 98597
360-400-3475
ShortSalesYelm.com
Disclaimer: The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

Are you living under the cloud of an UNMANAGEABLE MORTGAGE?

It’s a sign of the times!

Most of us grew up thinking that if we planned well and played by the rules, we’d never have to stand by as our financial lives unraveled. 

But upheaval on Wall Street, unacceptable rates of unemployment and plummeting real estate values have taken their toll.  Since 2007, 7.9 million homeowners have lost their homes to foreclosure. Current estimates are that one in four homeowners owe more on their mortgages than they could get from the sale of their home. Millions more homes will be lost to foreclosure before this real estate crisis runs its course.

The sad fact is that foreclosure is not an isolated event. For months leading up to the loss of a home, financially strapped homeowners live under a cloud of uncertainty.  And then for many years afterwards, the blow to credit gets in the way of buying another home or buying anything on credit. Foreclosure even complicates employment prospects.

The impact of foreclosure is huge and the sad fact is that it’s often avoidable.

As a real estate professional who has earned the Certified Distressed Property Expert (CDPE) designation, my mission is to provide financially strapped homeowners with options to foreclosure, ensure that they steer clear of scams, and help navigate them through the solution that best meets their needs.

Among the most important facts to keep in mind: the sooner help is sought, the better the options.

These are tough times, but more help is available than ever before. If you or someone you care about is ready to navigate away from the dark cloud of an unmanageable mortgage and realize that hope and blue skies are within reach, contact me today and let’s get started.

Cynthia Schmier
(360) 400-3475
cynthia@cynthia-online.com

Freddie Mac! Helpful Announcement

Helpful information for Freddie Mac loan holders.




*http://youtu.be/CYDGuTQJ-yc

Foreclosure surge

 foreclosure freeze brought on by documentation deficiencies has started to thaw. What this means for homeowners who are delinquent on their mortgage payments: millions of foreclosures are looming. RealtyTrac estimates that more than 3.5 million homes that belong in foreclosure have been hanging in limbo.  The other significant news that has barely been reported is that while banks’ hands have been tied in moving forward with foreclosures for the past 10 months or so, they were shoring up their short sale infrastructures—creating huge cash incentives for financially strapped homeowners, focusing on efficient approvals, and developing systems for reaching out to CDPE agents to help borrowers navigate a short sale. Cynthia Schmier and her team are all (CDPE) Short sale certified ready to assist and guide you in the right direction.