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$39.95 Add to Cart Available As: Download Download The software selected for use by the Identity Theft Resource Center for Identity Theft victim assistance. Endorsed by The Institute of Consumer Financial Education www.icfe.info. Credit Repair $29.95 Available As: Download Software Stop worrying and take control of your credit situation: This e-book gives you the tools you need to access your credit report, remove negative marks, add positive indicators and turn bad credit into good credit. Includes CD with e-book and 14 forms. credit debt solution

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House Structure This section of an insurance policy explains how your building and the yard are covered in the event of fire, hail, lightning, hurricane and all other disasters enumerated in your policy. Liability The liability portion of the policy protects you against personal injury and property damage claims or lawsuits. Even though you won t be living there, you want to protect yourself in case one of your tenants destroys someone else s property. consolidation counseling

For example, what happens if one of your tenants has a party, allows too many guests out on a deck, and the structure collapses Are you liable Are you liable even if you explained exactly how many people could safely stand on the deck and your tenant disregarded the warning credit card debt

Because insurance requirements, not to mention liability laws, differ from state to state, you will need to consult your local insurance agent about how much liability coverage you should carry. Perils Homeowners insurance policies protect their owners against a variety of disasters, called perils. Most people buy insurance that covers the following hazards: debt free solution

• Fire or lightning debt negotiation services

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• Accidental discharge or overflow of water from plumbing, heating, air conditioning, sprinkler system or household appliance credit card debt solution

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Insurance agents in many states use a type of policy that protects your property from all disasters except the ones specifically mentioned in the policy. The perils that are not included are: christian consolidation debt

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In most states, there is a specific type of insurance policy for those who own rental property. You want your policy to cover all of 16 basic perils named above and as many of the flood and earthquake hazards as possible. In addition, you will want to cover anything on the property that belongs to you, such as the appliances you provide. american debt solution

Definitions You Need to Know

Every word in an insurance policy is important, but three terms are of particular interest to real estate investors: cash value, replacement cost and guaranteed replacement cost. Cash Value If your policy says cash value, you will be paid the cash value of the damaged property at the time of the disaster minus any depreciation costs. Replacement Cost credit debt counseling

If your policy says replacement cost, you will get your damaged property replaced. That means your building will be rebuilt if it is completely damaged. But the money you are paid has depreciation costs deducted. student loan debt

Guaranteed Replacement Cost (also known as Extended Replacement Cost) If your policy says guaranteed replacement cost, you will be paid the cost to rebuild your building to its predisaster level, and depreciation isn t considered. This kind of policy, however, usually doesn t include bringing your property up to current building standards. When purchasing this type of policy, you will need to consider what it will cost to rebuild your building. Often this amount has very little to do with what you paid for the property in the first place. Experts suggest that you discuss rebuilding costs with a local builder or a knowledgeable real estate broker. green path debt solution

Serve tenants with a 14-Day Notice to Repair or Quit for Montana. USE TO: consolidation debt debt free

• inform tenants that they have violated a term or condition on the lease other than debt free

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• give tenants 14 days after receiving notice to rectify the violation debt reduction solution

• protect yourself if tenants refuse to correct the violation or vacate the premises (in which case this notice is vital to successfully completing an action for eviction) federal debt consolidation

• comply with Montana state law by providing the notice within the required time limits and in the proper manner debt consolidation company

Helping you rent your property with less stress and fewer surprises. Can be used to check a potential tenant s credit, lease personal and commercial real estate and terminate tenancy. Renting out your property can lead to many pitfalls. Is the potential tenant a good risk Have you covered all the necessary conditions in your lease agreement How do you notify a renter to pay back rent, or even that his tenancy may be terminated With these six easy-to-use forms you ll have a complete set of essential landlording forms that can help eliminate some of the most common problems in renting property and create a reliable paper trail in case of landlord%enant disputes. SIX FORMS INCLUDED WILL ALLOW YOU TO: Rental/Credit Application : check on a potential tenant s credit and rental history Monthly Rental Agreement : lease your property on a month-to-month basis Residential Lease : lease your property for a longer period of time Commercial Lease : lease a property for commercial uses Notice to Pay Rent or Quit : notify tenants who are behind in their rent Notice to Terminate Tenancy : notify renters that their tenancy may be terminated TERMS AND CONDITIONS COVERED INCLUDE: renters personal and financial information rent amount and form of payment provisions for late payments or returned checks security deposits use of premises number of occupants assignment and subletting damage to premises renter s insurance pets utility payments parking for commercial tenants tax increases common area expenses for commercial tenants radon disclosures lead paint disclosure information notice to pay back rent or quit premises notice of intent to terminate tenancy signatures of owner and tenant ALSO INCLUDED: 3-page Federal Lead Hazard Disclosure Requirements document 16-page Protect Your Family from Lead in Your Home booklet (in English and Spanish) 1-page Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards form (in English and Spanish) All contents reviewed and approved by attorneys or industry experts. EVICTION, EVICTIONS, NOTICE, TERMINATION, FORM, FORMS, LEASES, LEASE, PROPERTY, RENTAL, APPLICATION, ESSENTIAL, REAL, ESTATE, FORMS, WB103 CHOOSE, ONLY, BEST, TENANTS, PROPERTY, USING, SIX, ESSENTIAL, FORMS, RENTAL, APPLICATION, LEASE, OPTIONS, NOTICES, TERMINATE Product Summary:

Choose only the best tenants for your property using these six essential forms. From the rental application to lease options to notices to terminate tenancy, you ll have the tools you need to avoid many rental problems. debt financial solution

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Helping you rent your property with less stress and fewer surprises. Can be used to check a potential tenant s credit, lease personal and commercial real estate and terminate tenancy. Renting out your property can lead to many pitfalls. Is the potential tenant a good risk Have you covered all the necessary conditions in your lease agreement How do you notify a renter to pay back rent, or even that his tenancy may be terminated With these six easy-to-use forms you ll have a complete set of essential landlording forms that can help eliminate some of the most common problems in renting property and create a reliable paper trail in case of landlord%enant disputes. online debt consolidation

• Rental/Credit Application

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He serves as Chairman and CEO of Socrates Media LLC, the leader in consumer and small business know-how solutions, and is a sought-after speaker and advisor on entrepreneurship and investment. Lederer also manages, as Chairman and CEO, Minotaur Capital Management and serves as General Partner for the Minotaur Partners funds. Founded in 1987, Minotaur is an investment adviser and merchant bank. debt relief services

Beginning in 2000, Minotaur teamed with Sam Zell% Equity Group in controlling the ownership, turnaround and transformation of Rewards Network, formerly Transmedia and iDine (AMEX: IRN). Lederer% responsibilities included assisting management in the integration of a major competitor, management recruitment, corporate planning, developing and implementing the firm% e-business strategy and restructuring business processes. Rewards Network is now profitable, growing, well financed and dominant in its niche. debt recovery solution llc

Lederer founded Art.com, an Internet-based company pioneering the delivery of online art, custom framing and art-related products in 1998. Art.com was nominated by Bill Gates for the Smithsonian Innovation Award and received Laureate status. It was the recipient of the respected Great Plains Pinnacle Award for Overall Excellence and the eMarketer Web Recognition Award. After receiving venture funding from Benchmark Capital, Softbank Technology Ventures and Sandler Capital, the company was sold to publicly-traded Getty Images for a substantial profit. superior debt services

From 1977 to 1999, Lederer owned and managed Lederer Sales Group (LSG), one of the most respected manufacturer/publisher representative agencies in the Midwest. LSG represented major office, general merchandise and arts and craft suppliers to more than 1, 000 retailers, wholesalers and catalogs. debt problem

Prior to founding Minotaur, Lederer was Vice President-Research at Sound Shore Management Inc., a successful multi-billion dollar equity investor. His earlier work includes experience as both a securities analyst and a manager of institutional portfolios for Management Asset Corporation, another successful billion-dollar equity investor. clear debt solution

Lederer serves on a number of boards, including the Ravinia Festival and Roosevelt University. He holds a B.S. in Marketing and Finance from the Walter E. Heller College of Business Administration, Roosevelt University. He lives with his wife and sons in Lake Forest, Illinois. debt help services

Bruce M. Masterson,

COO CFO, Exec@socrates.com Masterson was instrumental in the acquisition of Made E-Z, working with Bill Lederer for more than 10 months on negotiations, financing and building a detailed plan for the post-acquisition period. Prior to Made E-Z he brings more than 25 years experience in the information industry to the Company. Prior to Socrates he served as a general partner and entrepreneur in residence with two venture capital firms; Chartwell Capital and Minotaur Capital. In addition to evaluating potential investments he was CEO of two portfolio companies; NegGov.com and Strategic Media Research (SMR), a start-up and turn-around situation respectively. During the course of these ventures, Masterson led a team which raised $23 million in Series B financing with venture capital firms led by Softbank Venture Capital and Minotaur Capital Management for NetGov.com and, identified and executed a strategic merger opportunity for NetGov.com. In the turn-around situation for Chartwell Capital% SMR, Masterson refocused the company on its core business of media market research and delivered solid organic growth by introducing two new products. credit debt

For twelve years Masterson was a senior executive with the Reuters Group Plc., a $5.5 billion financial information company. There he served as CEO of Reuters Healthcare Information Services, Managing Director of Reuters City North District in London in the early 90% , and SVP, Reuters North American Region. debt solution uk

As an active member of the community, Masterson serves as Trustee of the Village of Riverwoods, Illinois, re-elected in 2003 for a second four-year term. In this capacity he oversaw the establishment of the Village Police Department in 2001 from initial planning through full implementation. consolidation debt loan

If the recipient of your witty food one-liner seems friendly, start up a conversation. Working the Room Some networking experts suggest that you try to merge with a group of 10 or more people and chat with them. Other experts suggest that you pick out people on the fringes of the room, the wallflowers, and chat them up. Still other experts advise you to chat with one person in each corner of the room, because that will get you moving and keep you from standing in just one spot. debt advice

Whatever you decide to do, don% feel that you have to speak with everyone at the party. Choose a reasonable number, say five, and try to have interesting conversations with that many people. What to Say Just because it% a business-related party does not mean that you have to launch into a discussion of your business right away. Start with small talk. The best way to begin a conversation is to ask about the other person. Dale Carnegie used to say that everyone loves to talk about their favorite subject%hemselves. You can% go wrong asking friendly looking strangers if they work at the company or how they happen to be at the company party. affordable debt solution

Try out some networking lines (they% e similar to the old barroom pick-up lines, but hopefully not as bad): % ow% business % % hat% the No. 1 thing that keeps you up at night % Even start by sharing what prevents you from sleeping. By divulging a personal observation, you% e giving the people you% e trying to chat with the opportunity to share something about themselves. debt consolidation counseling

Keep your conversations short. If the other person starts looking around, checking her watch or fumbling for his cell phone, it% probably time to move on. And please don% chat with one person while your eyes are cruising the room for your next conversational victim. That% rude. The best way to network is to pay complete attention to the person you are talking to at the moment. Giving someone your complete attention is a wonderful gift and will make everyone you talk with think well of you and your %kills% as a conversationalist. eliminate credit card debt

When to Flash a Business Card

Do not, under any circumstances, pass out your business card to everyone you meet. That% considered bad form. If you talk with someone and that person offers her card, take it and give her one of your own. If you meet someone you% like to contact for business, give him your card and take his if he offers it or just ask for it. There isn% a rule about passing out business cards, but networking is about building relationships. You need to begin the relationship as two friendly people. If you have business matters in common or businesses that complement one another, you will quickly get to the business card stage. debt solution international

But if you% e just two business people with absolutely nothing in common, handing out your business card won% do you any good. When in doubt, wait for the other person to ask for your card. One final word about business cards: If you meet someone interesting with whom you% love to chat again, ask him for his business card or hand him yours. Life is too short to miss out on conversations with interesting people. consumer debt services

After all, isn% that why you agreed to attend the party in the first place After It% Over When you% e ready to go home or the event is over, be sure to bid farewell to the person who invited you and thank her for the invitation. The next day, send the person an e-mail or a personal note thanking her again for the invitation and explaining that you had a nice time and met a number of interesting people. unsecured debt consolidation

If you met people at the party you% like to chat with again, call or e-mail them, remind them where you met and invite them out for coffee or lunch. Relax. You were brave. You went to the party. You chatted with strangers. And if you were lucky, you met people you look forward to talking with again. That% all it takes to network. It% truly that simple. RELATED ARTICLES Business Records: What to Keep and What to Toss at the End of the Year approved debt government