TRICK OR TREAT! MSN EMAIL BEEN HACKED LATELY? READ THIS!!!

TRICK OR TREAT!!!Am using My Computer Works to help with any computer issues and they spent 70 minutes on my computer yesterday trying to remove all the email addresses that hacker put in when they sabotaged my account over Labor Day.  Turns out I had to call MSN support and have them go in and remove the addresses because they were on their Server and not actually in my address book where I could remove them.  I suggest checking your computer to see if yours has the same crap in it.  It's not supposed to be a danger but I don't like a bunch of weird email addresses that I can't take out...always afraid of some implanted virus that could explode at anytime....muy paranoid am I.  The scary thing about this is that when I am in MSN these addresses don't show up as they are not in my actual address book.  But, if I go out on 
Internet Explorer or Foxfire Mozilla, go into www.msn.com and go to send a new message they are in the online address book.  By typing the letter "a" into the "TO:" and then scrolling down all the a's I accidentally found all the hacker's addresses they used when they sent out their emails asking for money.  I went to the b's and did the same thing finding more.  I went down the whole alphabet and they stopped adding the emails when they got to K.  Anyway after talking to two MSN Tech Support people at midnight (had to insist on a supervisor...the first person didn't listen and kept giving me a canned pitch) I finally sent all the email addresses to butterflyhelp@hotmail.com(the guy's English was so terrible I had to ask him several times what he was saying...erggggggg. Try having a English as a second language person say Butterfly!!

NEW Community-Owned or Privately Maintained Streets FNMA Requirements

In our ever-tightening environment appraisers are doing their research more carefully and lenders are finding that many streets thought to be publicly maintained are actually private roads.  This triggers an underwriting requirement to provide the recorded road maintenance agreement---which often does not exist.

If the property is not situated on a publicly dedicated and maintained street, then it must be situated on a street that is community owned and maintained or privately owned and maintained. There must be adequate vehicular access and there must be an adequate and legally enforceable agreement for vehicular access and maintenance.  

 

Community-Owned or Privately Maintained Streets

If the property is located on a community-owned or privately-owned and maintained street, an adequate, legally enforceable agreement or covenant for maintenance of the street is required. The agreement or covenant should include the following provisions and be recorded in the land records of the appropriate jurisdiction:

•	responsibility for payment of repairs, including each party’s representative share,

•	default remedies in the event a party to the agreement or covenant fails to comply with his or her obligations, and

•	The effective term of the agreement or covenant, which in most cases should be perpetual and binding on any future owners.

Note: If the property is located within a state that has statutory provisions that define the responsibilities of property owners for the maintenance and repair of a private street, no separate agreement or covenant is required.

If the property is not located in a state that imposes statutory requirements for maintenance, and either there is no agreement or covenant for maintenance of the street, or an agreement or covenant exists but does not meet the requirements listed above, the lender must indemnify Fannie Mae for any losses or expenses it may incur due to the physical condition of the street or in order to establish and/or retain access thereto.

TIPS FOR FORTHCOMING 2010 CENSUS - PROCEED WITH CAUTION

There will be a mass mailing of US Census forms to fill out in 2010.  Be CAUTIOUS of what information you give to any Census worker---NO Social Security Number, NO Banking Information or addresses of rentals. (tax returns reflect that information.) and NO SALARY INFO.  With the U.S. Census process beginning, the Better Business Bureau (BBB) advises people to be cooperative, but prudent, so not to become a victim of fraud or identity theft.


The first phase of the 2010 U.S. Census is under way as workers have begun verifying the addresses of households across the country.  Eventually more than 140,000 Census workers will count every person in the US and will gather information about every person living at each address, including name, age, gender, race and other relevant data.


The big question is - How do you tell the difference between a U.S. Census worker and a con artist?  The BBB offers the following advice:  If a U.S. Census worker knocks on your door, they will have a badge, a handheld device, a Census Bureau canvas bag, and a confidentiality notice. Ask to see their identification and their badge before answering their questions. And NEVER invite anyone you don't know into your home.


Currently, Census workers are only knocking on doors to verify address information. Do not give your Social Security number, credit card or banking information to anyone, even if they claim they need it for the
U.S. Census. While the Census Bureau might ask for basic financial information, such as a salary range, it will not ask for Social Security, bank account, or credit card numbers nor will employee solicit donations.




Finally, Census workers may contact you by telephone, mail, or in person at home. However, they will NOT contact you by Email, so be on the lookout for Email scams impersonating the Census. Never click on a link or open any attachments in an Email that are supposedly from the U.S. Census Bureau.


FOR MORE INFORMATION OR ADVICE VISIT http://www.bbb.org/

ARIZONA HOME BUYER'S PROPERTY INFORMATION WEBSITES

Bank-owned and foreclosure homes are currently being sold "AS IS" without the homebuyer receiving any kind of Seller's Disclosure regarding the history of the property ie. repairs, room additions, criminal issues, environmental sites or any other disclosure that may affect the buyer's decision to purchase. A real estate agent can provide you with websites containing this vital information; however, if you are purchasing property without an agent, here are some websites that you may want to peruse.
County Assessors/Tax Records Maricopa County www.maricopa.gov/assessor or http://treasurer.maricopa.gov/parcels Other Counties www.az.gov/webpage/portal
Termites & Other Wood Destroying Pests www.sb.state.az.us/TermiteInsp.php orhttp://www.sb.state.az.us/
Lead-Based Paint Disclosures www.epa.gov/lead/
Roof Information http://www.azroofing.org/
Septic/Other On-Site Water Treatmentwww.azdeq.gov/environ/water/permits/onsitenot.html
Swimming Pools http://azdhs.gov/phs/oeh/pool_rules.htm
Mold www.cdc.gov/mold/default.htm
Deaths/Felonies on the Property www.azleg.state.az.us/ars/32/02156.htm
Superfund Sites www.adeq.state.az.us/environ/waste/sps/phx.html
Sex Offenders https://az.gov/webapp/offender/main.do
Crime Statistics http://www.faxnet1.org/
Schools http://www.ade.state.az.us/
Soil Problems http://www.az.nrcs.usda.gov/ (Search shrink/swell)

Finally, be sure to talk to the surrounding neighbors and drive around the neighborhood.For additional Maricopa & Pinal county real estate homebuyer related websites contact me through my blogsite.