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Home Title Fraud: How it Happens

Home Title Fraud: How it Happens

Smartphones, smart homes, smart life: our society is getting increasingly smarter. We do this through a combination of technology and data. Data has given us many positive things and has completely changed our lives forever, however there is a big negative – home title fraud.

Thanks to the influx of information that is publicly accessible, many identity thieves have used data as a way to ruin and take over innocent lives. Luckily for us we have managed to figure out how they achieve this and how to prevent it.

How does it work? The first step in committing home title fraud is to create a forged deed. Identity thieves do this by accessing public data records such as a person’s primary address or contact information. They then surf the internet for signature examples or other information so that they can develop the perfect persona of the victim. Once this is completed they begin the next step: legal.

Now that the scammer has enough information to convince the county that they not only have your signature but your consent they file paperwork that allows them to claim ownership of the victim’s house. With the hard part over, they can now take out loans against the property, sell it without the rightful owner’s knowledge and even inherit the home if the current owner should die.

The most devastating part of this is that it is all done without the rightful owner’s knowledge. The scammer can continue to do this for years and the victim is none the wiser. They usually only find out one of three ways. First, they are sent a letter of foreclosure by their lender. Second, they go to sell, refinance, or transfer ownership to find that they are no longer the legal owner. Third, they physically find someone living in their property that they had no knowledge of.

If this wasn’t bad enough it is typically impossible to do anything once the scam is discovered. Providing home title fraud is almost out of the question because oftentimes it just winds up in the victim being proved negligent. Law enforcements typically cannot intervene because the crime was committed beyond the statute of limitations. Home title fraud battles are often lengthy and expensive and victims do not have the finances for it.

There are systems in place to prevent these scammers and internet attackers that target home titles. One of the most well known of these services, Home Title Lock, offers around the clock service to help homeowners in the fight against title fraud.

They provide a virtual perimeter that surrounds not only the home’s online title but its mortgage as well. When there is evidence of tampering with a title or a mortgage Home Title Lock alerts the homeowners immediately so that they can create a prevention plan. They have mobile resources that aid in the effort to stop illegal online activity in the home title realm. Finally, they offer financial assistance and support for homeowners battling with home title fraud.

You don’t have to fight online scammers alone. In fact, it is safer for you to partner with services that are specifically designed to protect you from home title fraud. Attempting to do this all by yourself could result in leaving you vulnerable or a target for online scammers.

You shouldn’t ever have to worry about becoming a victim of home title fraud. Informing yourself on the necessary steps you can take to increase your digital protection not only makes you a stronger individual, but it gives you the power to be a stronger household in the online world.

Latest cyberthreat is stealing your home equity

Latest cyberthreat is stealing your home equity
Source: HomeTitleLock.comSource

The Future of Healthcare is Digital

The Future of Healthcare is Digital

The NHS loses £1 billion every year to problems caused by poor communication about healthcare. In England alone, 10 million physician appointments are wasted each year due to patients’ failure to attend. These problems loom large, but both have a simple solution: text messaging. The future of healthcare is digital.

Most services have adapted to modern communication methods. It’s time healthcare did as well. Patients want to interact with healthcare providers the same way they interact in every life. 76% of patients want text reminders before scheduled appointments, and 69% want them for appointments and medication refills. 98% of patients will read a mobile message, but only 7% read messages sent through a secure patient portal. Furthermore, using automated messages for reminders is lower than the cost of phone calls while reducing staff time by 17%.

It’s not only patients who would appreciate the addition of texting and SMS marketing. 80% of healthcare professionals think that patients would be more successful with coaching between appointments. That way, they can provide additional information and encouragement, answer follow-up questions as they arise, and reduce medical errors that arise from forgetting medication or neglecting to check vitals such as blood sugar. More than 200 million medication errors occur every year, costing £98.5 million annually.

Integrating communication channels and electronic medical records reduces the likelihood of errors and miscommunication. Connecting the two greatly reduces the risk of missed appointments. It can blend automation and personalization and enable real time conversation through a secure platform, something ad hoc use of mobile messaging by individual doctors currently does not guarantee.

After all, missing an appointment isn’t just about neglect. 33% of those who miss an appointment experience a health emergency within 3 months. 30% of hospital admissions result from patients’ failure to follow their treatment plan. Worse than wasting a physician’s time, missed appointments can lead to tragic outcomes. Simple reminders could go a long way to prevent these extreme measures.

Learn more about how the future of healthcare is digital in the visual deep dive below:

The Power of Mobile Messaging

The Power of Mobile Messaging
Source: SopranoDesign.comSource

Mastering the Modern Energy Market

Mastering the Modern Energy Market

Fossil fuels can’t rule the day forever. As our Earth continues to get warmer and climate change is of central importance to many, we need to continued to look for better and better ways to manage our energy needs. By the year 2025, the global renewable energy market is expected to reach $1.5 trillion. The modern energy market is fairly complex, as it offers seemingly a larger amount of choices, however all of these choices aren’t sustainable.

One of the first stops your mind takes you in the renewable modern energy space is solar – however, this might not be all that it is cracked up to be. Batteries are promising, but again, they are not created equal. Many are in the lithium ion space – they are not efficient, and can be unsafe in their production / water supply. It’s time to explore the world of the vanadium redox flow battery. Some of the advantages include not degrading and that they are sustainable.

Learn more about the modern energy market in the visual deep dive below:

The Modern Energy Market

The Modern Energy MarketSource

Eminent Domain: Know Your Rights

Eminent Domain: Know Your Rights

Eminent domain is synonymous with emotions. When you are told that you have to give up your home without your consent it can be very troubling for many people. Your home is where you have built your life, made your memories, and lived your dream. With this much at stake, the legal process surrounding eminent domain can be fought for a very long time.

Like many legal proceedings, eminent domain is all about negotiation. This is different however, because the parties involved are typically the government and a citizen, not the usual two citizens in a normal court case. As such, because of the emotions and circumstances involved the home owner typically is in the better position for negotiation.

The first step in negotiation is to review the appraisal. Both parties ask questions about the accuracy of the appraise and whether it reflects the highest value the owner could get for the property. This step is crucial for the owner because it is here that they can ask for a higher price if they feel they are being undervalued.

Another question asked during this time is whether or not neighboring houses are going to be needed for the public use project. If this is the case the government typically would do a group settlement instead of allocating a value for each individual house. This is a highly controversial negotiation because it could mean that an individual might get a lower or higher settlement for their property instead of reflecting the actual amount. In this case the negotiation is more likely to fail. If this happens there are four main events that will occur.

First, a condemnation lawsuit will be filed. This means that you have now lost any ability to negotiate and will have to agree on whatever price the legal proceedings might agree on. Not many owners will choose to go past negotiations because they lose their upper hand.

Second, after presenting each side of the case a jury comes together to negotiate and agree on a settlement price. When this happens both the owner and the government have no control over what amount will need to be paid or what amount they will receive.

Typically, you would then receive your offer and would also receive the payout. However, if you still feel like the amount is unfair you can continue the legal proceedings with the third step in this process: Expert testimony.

Expert testimony will allow you opportunities to contest the sale and potentially receive the amount you went to court for. The expert can range from appraisers, to psychologists, to contractors as long as they can be stipulated as an expert in their field and provided logical evidence to the trial.

If this fails, you have one last ditch effort: step four. Step four involves proving that the public use project in question overestimated the amount of land or capital it would need to achieve its purpose.

This is one of the strongest cases you can make in a trial. Since eminent domain is a very controversial issue, many “public use” cases are very broad and not specific. Also, many times when the government enacts eminent domain they sell the property to private developers instead of committing to direct public use projects.

If you can prove that they have no clear ambition to utilize your land in an effective way then you have made the case that you should be able to keep your land. Many times, you are the homeowner and will have the support of the jury because of the emotions and memories tied to our American ideal.

Eminent domain cases can be exhausting and complicated with the bureaucratic red tape that surrounds government trials. This is why it is necessary for you to hire legal counsel when taking on an eminent domain case. Many times your first assessment is free and lawyers are more than willing to help you and your case 24/7 through the time you spend with them.

If you feel like you have a significant case during your eminent domain proceedings, reach out and fight it. You are the only one who knows how much your home and memories can mean to you.

eminent domain infographic

eminent domain infographicSource

The Business of Women’s Sports

The Business of Women’s Sports

In 2020, the National Women’s Soccer League broke viewership records by nearly 300%, drawing audiences on par with an MLB game airing at the same time. Increased interest in the women’s cup was spurred by the US’s 2019 World Cup win. Additionally, CBS aired the first and last games on regular TV rather than their subscription service. When women’s sports is given premium broadcasting, it delivers on drawing crowds. The business of women’s sports is booming.

This proves that viewers want women’s sports. 66% of people are interested in at least one women’s sport, as are 84% of sports fans. Despite stereotypes, sports fans are almost evenly divided between men and women. Despite the interest, only half of the sports governing bodies have a boardroom with even 25% women. On average, female athletes are earning 63% of their male counterparts. In 2020, Forbes’ 50 highest paid athletes included a single woman: Naomi Osaka in spot #29.

When it comes to ending the inequality, media coverage of female sports and female athletes is key. In 2020, women made up 40% of sports people, but they received only 4% of the sports media coverage. In both print and broadcasting, women’s sports receive less coverage despite both their actual and potential for giant fanbases. This factors into earnings because lack of media coverage impacts sponsorships. Despite huge gains in recent years, just 0.4% of sponsorship dollars go to women’s sports.

“The fact that it’s 2021 and the WNBA and NCAA women’s sports are treated like some sort of rec league specialty sport like the national corn hole league is is beyond disgusting, it’s time to stand up and bring true equality to sports.” Eric Mitchell – CEO, LifeFlip Media

If media technology made women’s sports available to more people, both brands and athletes could profit immensely. 1 in 5 people are more influenced by sponsorship of women’s sports than men’s. Even with current limits in place, 3 in 4 people interested in women’s sports can name at least one brand involved. 63% of people in general believe brands should invest in both women’s and men’s sports. It’s time to step it up.