A Review of the Arizona Real Estate Investors Association (AZREIA)

A Review of the Arizona Real Estate Investors Association (AZREIA)
With over two thousand members Arizona Real Estate
Investors Association (AZREIA) proved to be the best in
professional education, membership development, convention
and trade show, government affairs and finance according to
the awards they received in 2007. Also among those awards
was the seventh best networking organization in the country
which speaks high volumes for what they can offer you in
terms of getting your own business off the ground in this
industry.

Investment Opportunities

Overall there are five avenues to take with Arizona Real
Estate Investors Association (AZREIA) in regards to their
investment plans. Four out of the five opportunities
revolve around land with Castle Arch Real Estate
Investment, LLC., Grande Harbor, Pine Meadows Development
Project, and Waterford of the Carolinas. If you are
interested in either of these you can contact Suzanne Nann,
Alan Davis, or Jeff Gross depending on which one you decide
to join.

The fifth area is a single family detached home which
Arizona Real Estate Investors Association (AZREIA) is
involved in with International Capital Group. It was built
in 2007 as were the other four, and if this is more around
your interest you can contact Judy Wieland to get more
information. They all have their own unique ways to help
build your investment portfolio, it is just up to you to
decide which suits your current needs.

Is This The Membership You Are Seeking

A great question and in fact if you decide you want to get
involved with Arizona Real Estate Investors Association
(AZREIA) then you must ask yourself a series of questions
just to make sure they are right for you. It doesn't
matter if you are full time, part time, a novice or an
experienced veteran the membership will be able to benefit
each and every person according to their website.

One of the biggest benefits is the other businesses and
vendors who can offer their services to anyone who is a
member. Anything to benefit the properties you own such as
heating/air conditioning units, credit card processing,
flooring, maintenance help, roofing, tenant checks, and
around thirty other enticing services and products to make
your life a bit easier. Arizona Real Estate Investors
Association (AZREIA) has built this around helping everyone
become successful and make a name for themselves at the
same time.

Final Thoughts

This was just a taste of what Arizona Real Estate Investors
Association (AZREIA) has to offer on their website and in
person. They meetings that are useful several times during
the month where networking with other members is always
encouraged. There are opportunities involving property
posting, a forum to answer your questions and enough to
keep you well informed for years to come.

Getting the benefits of magazines, DVDs and other purchases
in their store can offer up something for someone else you
know who might enjoy the library full of help they provide.
The best part is, you don't have to live in Arizona to
join their membership. They offer home study courses where
you can learn from them with all the information you need
built into their educational program. It will be worth
seeing when you get the time to do so.

----------------------------------------------------
Learn the Lemons from the Straight MLM Winners at
http://www.MLMreviewKings.com/trivita.html
from Brian Garvin and Jeff West at
http://www.MLMreviewKings.com . This article may be used
royalty free provided Bio & Links remain intact. Copyright
© Mission Billion, Inc. All Rights Reserved Worldwide

Even Celebrities like Liz Mikel needs Identity Theft Protection

Even Celebrities like Liz Mikel needs Identity Theft Protection
Did you think Identity Theft Protection is unnecessary?
Well you might want to think again. Dallas based actress
Liz Mikel just found out the hard way that someone had
stolen her identity and been having a field day. She stars
in the NBC show "Friday Night Lights", found out that
identity thieves had went on-line and opened accounts in
her name.

Mikel said that she went to the mail and to her surprise
there was a notice from Capital One that there was a
problem with an account she did not have. After a phone
call to the company she had learned that someone had been
opening accounts in her name since early March.

What you need to know
Identity theft affects 9 million people every year, and is
currently growing in epidemic proportions according to the
FTC. Identity theft starts with the theft of your social
security number, your credit cards, and financial
information. For Identity thieves this information is like
gold.

Here is a variety of methods identity thieves may get a
hold of your personal information:
1. Pretexting- The use of false pretenses to obtain your
personal information from financial institutions, telephone
companies, and other resources with your information.
2. Phising ' They pretend to be financial institutions by
send you e-mail or pop ups hoping you will reveal your
personal information.
3. Old-Fashion Stealing- They steal wallets, credit cards,
mail credit card offers, purses, financial statements, and
new checks that come in the mail. They steal personal
records and bribe employees who have access to your records.
4. Changing your address ' They divert your mail by putting
a change of address request in to the post office.
5. Skimming ' They steal credit card and debit numbers by
using a special storage device when swiping your cards.
6. Dumpster Diving ' They go through dumpsters looking for
mail that was not shredded with your personal information.

Examples of what identity thieves do once they have your
information.

Bank / Finance Fraud

- They create counterfeit checks using your name and
account number
- Open bank accounts in your name and write bad check
- They may clone your credit or ATM card and electronically
drain all your accounts.

Credit Card Fraud
- They may open credit cards in your name. When they will
charge these cards up, and not pay the bill. As a result it
appears on your credit report.
- They may change the address on your credit cards so that
you no longer receive the bill, and run up charges on your
credit cards. It may be sometime before you realize there
is a problem.

Government Document Fraud
- They may file fraudulent tax returns in you name
- They may use your name and social security number to get
government benefits
- They may get a drivers license or id picture with your
name but with their picture.

----------------------------------------------------
About the Author: Mike Clover is the owner of
http://www.creditscorequick.com/ . CreditScoreQuick.com is
the one of the most unique on-line resources for free
credit score report, fico score, Internet identity theft
software, secure credit cards, and a BlOG with a wealth of
personal credit information. The information within this
website is written by professionals that know about credit,
and what determines ones credit worthiness.

What is CLTV?

What is CLTV?
I know about all the bad hype from the media about the
mortgage market. And, of course I have heard each of our
presidential candidates run down the economy over and over
again. This happens every election year.

Unfortunately people with very busy lives hear and read all
of this and begin to think it is true. We have all heard
this: "If you tell a lie often enough people will believe
it is true". There you go!

Is our economy a little slow right now? Yes, but it is not
in the dumpster.

Are independent mortgage brokers and appraisers the cause
of the mortgage scandals? Absolutely NOT. In fact, it is
their integrity and concern for their client's well being
that helped to fulfill the American Dream.

The real scoundrels are the large corporations, and giant
lenders. Don't let me forget to mention the politicians
like the New York Attorney General, Andrew Cuomo, who is
using the situation to his benefit by "saving the consumer"
with new laws that will only hurt the consumer by putting
the independent appraiser and broker out of business. But
of course he is making a name for himself. What does he
care. Guess who wants to run for president in 2012?

Well, enough of that! I received a very simple question
yesterday and I am writing about it here for a few reasons
I think you will understand afterwards.

The question I was asked is: "What is CLTV and LP?"

The answer is CLTV stands for Combined Loan To Value. This
is used when there is more than one loan on a property. As
an example, if the first mortgage is 80% of the appraised
value and there is a 2nd loan of 15% of the value, the CLTV
is 95%. In the industry we call these Combination Loans.

LP is a term for Loan Prospector. Loan Prospector is a
computerised program that reviews and approves or
disapproves an FHA, VA, or Freddie Mac loan. DU, DeskTop
Underwriting, is a similar program used for Fannie Mae,
FHA, or VA loans. When an application is put through these
programs, basically, ... sort of, the live underwriter then
only has to verify the documentation because the computer
has given an approval. If a loan isn't approved because of
an unusual circumstance, a lender can chose to do a manual
underwriting in which case the loan may still be approved.

My first reason for writing about this is to let you know
that Lenders ARE lending money. The mortgage industry is
alive and well in spite of the media and presidential
candidates.

As a consumer you should take full advantage of these
unbelievably low interest rates. Refinancing to lower your
interest rate will save you a ton of money.

In the case above, combining a 1st and 2nd mortgage is a
very smart financial move and will also lower your payments.

If you are thinking about buying a home there is no better
time than now. I really mean like, ... NOW. As soon as a
new president is elected, and it doesn't matter which one,
the rates will go back up. I promise you this will happen.
It happens EVERY election year.

Just make sure you go to a reputable broker and don't buy
more house than you can afford.

----------------------------------------------------
Connie Sanders owns http://www.mortgageunderwriters.com and
receives questions everyday from borrowers and industry
professionals. The ones with issues she posts on her blog:
http://mortgageguidelines.blogspot.com Visit today, your
comments are welcome.