Ahmed Zama ahmed.zama01@voila.fr via yahoo.com transfer of funds SCAM!

Please be careful who you trust in this economy.  The most common scams I see are people asking you to: cash checks and wire them money, print checks from your home, give your personal info and/or pay a "fee" for a donation/winnings or ATM card.

Ahmed Zama ahmed.zama01@voila.fr via yahoo.com

Dear Friend,

Do you know that for the past 10 years now more than €95Million has being diverted and stolen by some greedy and corrupt politicians by the help of their influential and powerful colleagues who has help them to launder and transfer this fund through our bank to the Overseas? This fund was derived from the sales of Gold and Cotton.

As a banker working in the Foreign Remittance Department, I want you to know that I have acted as the Account Officer to most of these politicians, so I have being involved and participated in the many financial transfer transaction done by this corrupt politicians several times to the Overseas.

When I now discovered that this politicians were using me to achieve their aims by transferring this huge amount of fund through our bank to the Overseas, I decided to use my opportunity as a top bank official to divert the sum of €4.8 Million to an Escrow Account  belonging to no one in the bank and then clean up the records and files concerning this €4.8 Million from our Bank Data-base processing Financial Deposit so that there will be no trace of this fund.

Now the reason why I have contacted you is this; the bank management is now anxious to know who owns this account that has this fund (€4.8 Million) because the bank has benefited and made lot of profits from this fund for almost six years now. I need a trustworthy and honest foreign partner that I will present to the bank as the owner of the account having this said fund (€4.8Million).

This is how we are going to do it, You will have to send your personal information’s to me which I will have to program as the owner of the fund (€4.8Million) in our Bank Data-base Processing Financial Deposit, then later I will send you an application letter which you will send to apologize to the management of the bank and thereafter instruct the bank to transfer the fund to you through the Automated Transferred Money (ATM) Visa Card bearing your name. So, if you are interested kindly send the following information to me immediately:

1). YOUR FULL NAME:....................
2). YOUR RESIDENTIAL ADDRESS:.................
3). YOUR AGE;........................ ...........
4). YOUR OCCUPATION:...............
5). YOUR NATIONALITY:....
6)YOUR DIRECT MOBILE LINE:...................



Yours sincerely

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NEUMAN FINANCIAL ENTERPRISES erolf@tecnosol.ind.br LOAN SCAM!

Please be careful who you trust in this economy.  The most common scams I see are people asking you to: cash checks and wire them money, print checks from your home, give your personal info and/or pay a "fee" for a donation/winnings or ATM card.

NEUMAN FINANCIAL ENTERPRISES erolf@tecnosol.ind.br

NEUMAN FINANCIAL ENTERPRISES L.T.D.
We have emerge with authority and Insurance/Finance to give out Loan with best quality and guaranty with purpose loans base on a Collateral free package, we give out all types of loans from 100,000.00 USD to  500,000.00 USD at 2%interest per year. We are a Private lending company and we offer all types of loans tailored to meet individual needs to all locations at very affordable rates. We can provide you with any purpose loans base on collateral free Package. We can help regardless of your financial circumstances?
Our firm has recorded a lot of breakthroughs? In the provision of
First-class financial services to our client.
OUR PACKAGES INCLUDE:
Investment Soft loans
Home Loan/*Auto Loan
Mortgage Loan/*Business Loan
Intern Loan.
Personal Loan
Car Loan
If interested, you are required to send us the below information.
APPLICANT'S DETAILS:
* Name of Applicant:
* Address Of Applicant:
* City:
* State:
* Country:
* Gender:
* Marital Status:
* Age:
* Monthly Income Rate:
Occupation *:
* Mobile Number:
* Loan Amount Requested by you: $
* Loan Duration:
* Email:
* Purpose of loan
* Position in Work.
Email: neuman_finance@yahoo.co.uk
Mr.Perry Smith.

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Mrs.Sandra Korjev Korjev@gmail.com Inheritance SCAM!

	Please be careful who you trust in this economy.  The most common scams I see are people asking you to: cash checks and wire them money, print checks from your home, give your personal info and/or pay a "fee" for a donation/winnings or ATM card.
	Mrs.Sandra Korjev Korjev@gmail.com

My Dear Beloved In The Lord,

My Name is Mrs. Sandra Korjev,I am married to late Yuri Korjev who was
an Oil Merchant and international businessman before he died in the year
2001 after a briefillness that lasted for only five days. Before the
Untimely death of my husband we were both born again Christians. When my
late husband was Alive he deposited the sum of ($18,000,000.00 USD)
with a Bank in Europe whose name is withheld Until we open up
communication.Following my ill health, my Doctor told me that i may not
last for the next Couple Of Months due to My cancer problem.

the one that disturbs me most is my inability to move Around and Having
known my condition I decided to donate this fund to a God fearing
Person that will utilize this money the way I am going to instruct
herein,according to the desire of my late husband Before his
death. I
don't want a situation where this money will be used in an ungodly Way. I am
not afraid of death Hence I know where I am going. I know that I am going
to be in the Bossom of the Lord. Exodus 14 VS 14 says that "the lord will
fight my case and I shall hold my peace.

I don't need any telephone communication in this regard because of my
health hence the presence of my husband's relatives around me always,
As soon as I receive your reply, I shall give you the contact of the Bank
where you shall reach them and i will also issue you a Letter Of
Authorization from the High Court Of Justice that will prove you to be
a beneficiary of this fund. Any delay in your reply will give me room in
sourcing another individual for this same purpose.

Your Beloved Sister in the lord,
Mrs.Sandra Korjev.
ContactE-mail:(mrs.sandrakorjev111@admin.in.th

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Weir Charitable Trust mrey@minplan.gob.ar LOTTERY SCAM!

Please be careful who you trust in this economy.  The most common scams I see are people asking you to: cash checks and wire them money, print checks from your home, give your personal info and/or pay a "fee" for a donation/winnings or ATM card.

Weir Charitable Trust mrey@minplan.gob.ar

Greetings & Congratulations!
We officially donate the sum of £1,000,000.00GBP to you.

My wife and I were the biggest prize-winner of £161,163,000.00GBP in the 2011 Euro-Million Lottery Jackpot . We are officially donating the sum of £48,000,000.00GBP to charity and poverty elevation via our Weir Charitable Trust Program recently launched in 2013 and your email I.D happens to be among the 48 randomly selected email users submitted by the Micro-Soft/Google Management Team to benefit £1,000,000.00GBP each from the on-going Charity Scheme, globally!

You are to respond in not more than 48 hours of receiving this communication (if this email  I.D. is active) to immediately file for your prize processing. A new beneficiary will be chosen after 48 hours! Your Donation Code No. is "WCT31UK"; to avoid double claiming of the prize money, kindly quote your Donation Code No. "WCT31UK" on the subject line or within your return email. Congratulations again! Verify the authenticity of our Euro-Million Winnings at
http://www.dailyrecord.co.uk/news/scottish-news/euromillions-lottery-winners-chris-and-colin-1585568

Cordially,
Colin & Chris Weir

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runsovannabk@gmail.com Inheritance SCAM!

Please be careful who you trust in this economy.  The most common scams I see are people asking you to: cash checks and wire them money, print checks from your home, give your personal info and/or pay a "fee" for a donation/winnings or ATM card.

 runsovannabk@gmail.com

Hello Friend

Good day to you and your family, I know that this letter may be a very big surprise to you because you don't know me,but knowing somebody starts in a day I came across your email contact from my personal search.My name is Mr. Run Sovanna the manager of auditing and accounting department of Bank here, .It is my interest to contact you in respect of our client from your country who share almost the same name with your name. I shall explain in details when I read your reply.You are my first contact, I shall wait for days and if I do not hear from you. I shall continue with my search, Thanks

Waiting for your reply.
Thanks and best regards
Mr. Run Sovanna

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First time home buyer- Knowing the value of a home before you bid! CMA analysis

There are too many articles and blogs regarding purchasing a home with lists of tips, hints and advice so I wont bore any one with repeats however; I want to share this experience to prevent anyone else from over paying!

We found a home that was 1871 sgft, 3 bedroom, 1 1/2 baths, unfinished basement, 2 car garage, .25 acre in backyard and was built in 2000.  They listed the home for 185k and being as my husband and I are first time home buyers we sought the help of a relator.  We didn't think much about the asking price, we were excited there was one giant plus of solar panels which we assumed was why they were asking 185k for the home. 

Now, after finding out the panels are leased (click here to read Solar City leasing SCAM) I was curious how they came up with 185k.  After a long talk with our relator she offered to do a standard CMA which is what they should have done before putting it on the market.  When I received the CMA analysis I was confused as 5-6 homes in the same area sold within the last 8 months with more sqft and built earlier (anywhere from 2007-2010) and were selling for 130k-158k; where did 185k come from?

An appraisal most likely would have shown that the home was not worth 185k however, we would have had to pay 400 dollars to get that appraisal and we've already paid 300 for a home inspection so we would be out nearly a grand to discover this home was a money pit.  One thing I noticed after reading the CMA report is that many of the homes were put on the market for way higher but eventually sold for way less.  One giant tip I must pass on is do some research and make sure they are not pumping the price of the home up to dump onto you.

Trulia has a wonderful area on the listing of a home that shows you comparable prices in the general neighborhood however, they do not update their systems frequently so a home may say for sale but is actually gone... be careful with that.

Find a good real estate website for your state and use that, in Colorado coloproperty.com is great as they update their system daily!

Don't be afraid to offer less even if your relator is saying to offer full price!  Heck that's how they get paid... off what the home sells for so don't be afraid to offer less if you see fit. 

Lastly, if you have a cool relator... ask them to do a CMA report on a property.  Ours did it in less than 20 minutes so don't be shy asking for their knowledge to be shared.  And whatever you do, get a home inspection done no matter how new the home is!  You can use the damages to your advantage when it comes to lowering the price.  Be safe everyone and good luck on your hunt for your dream home.

Curious more on what CMA is click here.

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SolarCity LEASED solar panel SCAM! solarcity.com

It's everyone's dream to purchase a home that is within your ideal of perfection.  Well, after a long hunt we found a home that had solar panels on it.  We were over the moon.  The home itself was in poor condition as the owners didn't take care of anything, including upkeep and servicing the furnace and a/c.  It was a 3 bedroom, 2 bath, unfinished basement, .25 acre in backyard with a 2 car garage... 1871sgft.  None of this is really important as we were more concerned and intrigued with the idea of having solar energy.

No where did it state anything regarding a lease and in fact we were told there was a 62.25 per month service fee that you pay to the solar company.  We put an offer on the home for 185k before we even heard of this 62.25 per month "fee".  It's been 2 weeks into the buying process and and I just received a call yesterday regarding switching the lease into our name?  Now I am really confused.

After a long talk with Julie from Solar City it's been discovered that the panels on the home are under a 20 yr lease with 19 1/2 years left to go.  What!  We were crushed and I began my obsessive research regarding what this meant for us.  Though Julie was kind and pleasant to talk with she basically talked in circles regarding what the lease meant.  I asked fairly standard questions such as if the lease was paid off by the owners would they then become ours?  Her main response was, "If it was paid off we would still service the panels for the next 20 yrs and it's a great deal if I owned my home I would get these put on for sure!"  Okay...

Well you have to be careful as after a long day of research I discovered that when leasing solar equipment you do not qualify for any tax rebate whatsoever!  There is no battery backup system so on a cloudy day you would literally pull from the grid.  More research revealed that even if the lease was paid off and in 2 yrs or whatever, you decided you wanted to purchase the system it would be too costly and they do not use top of the line equipment.  If you ask them to remove the system even with it being paid off, they charge you a cancellation fee. 

So basically we've put a bid on a home that did not disclose the fact that the solar panels installed on their home was wrapped in a 20 yr lease.  Had I just accepted that it was a 62.25 monthly "fee" to have these panels "serviced"  I would have been pissed come the end of the year when we didn't qualify for the tax rebate.  Be careful when purchasing a home and having a "lease" attached to the title.  Technically they are not allowed to sell their home with a lease bound to the property so it looks like we're back at square one.  What a hassle.  Thank the lucky stars that this was revealed before we closed.  Be safe everyone and be careful who you trust.  If it sounds too good to be true it more than likely is.

Reviews on Solar City click here!

Curious what information lead me to know the cons of leasing solar equipment click here!

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