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by Douglas Miller, Dou

You have seen them in many advertisements and regardless of how inviting they may have seemed at the time, eventually you recognized them for what they are...scams. The idea of luring people into giving up their money on nothing more than a dream has been around forever, but the Internet has made it easier to convince more people faster that they need to give up their cash on an ill-advised plan. Unfortunately, the majority of these scams seem to surface when people can least afford to lose what little money they have.

Use the 24-hour rule when looking at any business opportunity. That is, whenever an offer comes your way do not do anything with it for at least 24 hours. Even if the website claims there is a deadline and if you do not send them $100 in the next 60 minutes, the chance to make a million bucks this week is going away forever, wait until tomorrow to send in your cash. They will still take it and while you probably won't make a million this week, at least you hung onto the $100 a day longer.

The extra time will give you the chance to really consider the offer. Most offers will feature unrealistic income potential and while including the precaution that not everyone can make the same amount of money, the offers are designed to make you believe that you can make more. One of they key questions to ask yourself when you see one of these amazing offers is why were you chosen. You received an email from someone you have never met, which says they stumbled on the secret to making big money on the internet and is now willing to share it with the first 500 people who respond by sending them $100 or so.

Since you do not know them and probably will never meet them, the only logical answer is that they think you are a sucker and will send them the money. If the proposal is so great, they should be sharing it with family and close friends instead of 500 people they never met before. Truth is, their friends and family have probably already been taken be a similar scam and are not talking to them anymore.

Do not get pulled in by pictures of fancy cars, boats and mansions. Chances are the car is rented and the house or boat in front of which the picture is taken was spotted driving through a rich neighborhood. No one was home, picture taken and if you notice it rarely states the car and house belongs to the person in the picture. The insinuation is there that if you send them money that you can be living large in just a few short months.

Additionally, there will be a few names and locations of others who have made a killing with the business venture but rarely will there be contact information available. Business associates usually do not have a problem offering a testimonial for a project that they may know is bogus, but without the prospect of anyone ever calling and asking about it, they allow their likeness to be used in internet advertisements.

Protect your Hundred-Fold-Life from SCAMS. Give each offer the 24-hour wait. Listen to that "gut" feeling about the offer, then decide.

As the real estate boom begins to slow down, many people are now facing climbing interest rates and property values that haven't appreciated as much as many would have hoped. It can happen to the best of us, it only takes one bad month and boom, you now have a mortgage late, missed credit card payments and other bills stacking up. In what many feel to be a worst case scenario, the dreary f word (foreclosure!) may even be rearing its ugly head. Panic and desperation begin to set in and you now are looking for a bad credit mortgage company.

Sadly, many companies salivate when they find out that someone is up against the wall financially. They know that if they can make a deal work, they can take advantage of the prospects desperation and make a killing on commission on the loan. Top three warning signs when dealing with a bad credit mortgage company.

1) Look Out For Bait And Switch Tactics
If a deal sounds too good to be true, it more than likely is. If you do end up making it the way to the signing table only find that the loan that you are now about to sign has a higher interest rate and/or extra fees that were not disclosed to you previously, don't be afraid to walk away. Any lender that chooses not to inform you fully before you sit down to sign the loan documents is obviously looking out for their own best interests with little care for your well being. You are not committed to anything until you sign the paperwork. Also, in most cases, on refinance transactions, you will have up to three days after you sign to change you mind and rescind the loan.

2) You Do Not Need to Be Rushed
If you need to work with a bad credit mortgage company, chances are that your financial situation and the stress that understandably comes along with it may make you feel like you need to just hurry up and get the loan done and over with. Wile it may be hard, don't feel that you need to rush the process. Unfortunately, there are unscrupulous lenders who know that you are feeling "pain" and will do everything they can to exploit your emotional state. While it is important to respond to your broker or lenders requests in a timely fashion, rarely should they be pressuring you to hurry up and close the transaction.

3) Beware Mortgage Companies that Make you Pay Upfront Fees
There is absolutely no reason you should pay any kind of fee to a mortgage company before they will agree to speak with you. Now, you more than likely will have to pay some fees before your loan closes (appraisal, title, escrow etc.) but the vast majority of those can be paid through the loan at closing. Upfront fees are more than likely just a tactic to make you feel committed to that particular lender.

If you are dealing with a bad credit mortgage company that exhibits any of the behavior outlined above, don't be afraid to just walk away from them and find someone that you feel comfortable with.

Fortunately, if you do need the services of a bad credit mortgage company there are many great companies, lenders and brokers that genuinely want to help you overcome your current credit situation and help you get back on the road to financial health and stability.

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Both Douglas Miller & Joe Ramirez are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Douglas Miller has sinced written about articles on various topics from Home Based Business, Affiliate Programs and Business Plan. Douglas Miller is a retired Fire Service Captain now making a living working at home. His company Hundred-Fold-Life is not just a name but also a belief. To find the best home based business ideas and opportunities so you can work at home visit:. Douglas Miller's top article generates over 5400 views. to your Favourites.

Joe Ramirez has sinced written about articles on various topics from Mortgage, Home Buyers Guide and Finances. MyRefi.com's professionals understand that from time to time, we all have financial difficulties. If you want to deal with a . Joe Ramirez's top article generates over 3600 views. to your Favourites.