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How-to Study a Topic

In divorce cases, separating a 401(e) retirement account could be a complicated issue. A 401(e) is a retirement plan by which a worker consistently attributes a percentage of his revenue, and in some options, the boss fits these efforts. Claims have different guidelines for how marital property should be divided in a breakup, and national legislation needs which you complete paperwork training the 401(e) strategy supervisor how to separate the finances while in the account between you along with your spouse. Read the rest of this entry »

How to Avoid Mortgage Refinance Scams

If you’re looking to refinance, it can be hard to tell the legit offers from the bogus ones. Here are some tips to help you do that and avoid falling prey to mortgage refinance scams.

Know the common scams

Anytime you receive an offer that asks you to reveal personal information in exchange for a specific service, you should be suspicious, says Katherine Hutt, national spokeswoman for the Council of Better Business Bureaus in Arlington, Virginia.

Although you might receive legitimate letters in the mail from time to time, usually you have to seek help to refinance or modify your mortgage. What’s more, you must have your current lender approve and sign off on any such change, and that’s not going to happen over email or a phone call with a third party, Hutt says.

“The usual pitch is a special program guaranteeing a low interest rate so you can refinance your mortgage,” Hutt says. She adds there’s always a catch, such as needing you to fill out forms with your personal information or wire a fee to get your file started. Other scams include asking you to sign over your home’s title to a company or individual in exchange for help (don’t do it!).

Scammers will typically ask for your name, address, date of birth and Social Security number so they can steal your identity — or sell it to someone else, which can be even more lucrative. In short, if it’s not your current lender and you don’t know the company or individual making the offer, it should set off alarms. The best place for such offers is usually the trash can, but if you think the offer might be legit, be sure to do your homework thoroughly before giving out personal information or paying for services.

Nerd note: The FTC has a list of other mortgage scams. Also, the FBI provides online resources for spotting and preventing mortgage fraud crimes.

Never, ever pay fees upfront

If you do receive mortgage refinance offers (often cloaked as “relief”), scammers will sometimes ask you to pay an upfront fee to work with your current lender on a refinance. Another huge, waving red flag: an offer that tells you to stop paying your mortgage and reroute the money to the relief agency instead, Hutt says.

“They will literally use any angle possible,” Hutt says of scammers. “To lock in a low rate, they’ll ask you to send money over a wire transfer, prepaid debit card or gift cards — all which are untraceable.”

Scammers who are successful in persuading consumers to fork over substantial sums withdraw the cash from an overseas account or prepaid cards, then disappear with your money for good.

Requesting fees upfront before the promised results are delivered is illegal, according to the FTC’s Mortgage Assistance Relief Services Rule. The rule states that a company can’t collect any fees until a homeowner has actually received an offer of relief from his or her lender and accepted it. So even if you agree to a mortgage relief service, you don’t have to pay until the transaction or services have been provided to your satisfaction.

Beware of suspicious emails

One of the easiest ways for scammers to swindle you out of money or personal information is by sending deceptive emails. They can send thousands of messages and make it hard for authorities to track the scammers down, Hutt says.

If you get an email from what looks to be a real bank or lender, analyze the URL and sender email address closely; scammers who are trying to steal your personal information typically change the URL to make these items appear legitimate, but they actually redirect to fake sites that steal your information.

Whatever you do, Hutt warns, don’t click on any links from an email if you can’t verify who the sender or company is; call your lender to ask if it sent the offer.

Seek help on your own

If you’re interested in refinancing or modifying your loan, contact your lender first to see what it can do to help. If you need to modify your mortgage because you’re struggling to make payments, or if you’ve received a foreclosure notice, your lender might work with you on negotiating repayment terms.

Avenues for help

Speak with a credit counselor through the Homeownership Preservation Foundation, a nonprofit organization that operates the national 24/7 toll-free hotline (888) 895-HOPE with free, bilingual, personalized assistance to help at-risk homeowners avoid foreclosure.

Call the National Foundation for Credit Counseling at (800) 388-2227 to discuss debt relief options with an NFCC certified credit counselor.

Think you’ve been a victim of fraud or identity theft? File a police report with your local law enforcement agency first, then contact the Federal Trade Commission, your state attorney general’s office, and the Better Business Bureau.

The BBB has a new scam tracker tool that allows you to search for reports of possible scams to see if other consumers have encountered the same caller, phone number, website or keywords that you have. (Note: Keep in mind that even if you don’t find a report of a scam through the BBB’s tool, the offer you received still might not be legit.)

Deborah Kearns is a staff writer at NerdWallet, a personal finance website. Email: dkearns@nerdwallet.com. Twitter: @debbie_kearns.

More from NerdWallet:

  • Compare Mortgage Refinance Rates
  • How to Refinance Your Mortgage
  • What to Expect From the Homebuying Process

Image via iStock.

AIG Scaling Back on Investments in Hedge Funds

American International Group Inc. plans to exit at least half the hedge funds in which the insurer is invested, according to people familiar with the company’s portfolio.

The insurer has holdings in more than 100 funds and plans to cut that number to 50 or fewer, said the people, who asked not to be identified discussing investing decisions. AIG is planning for increased volatility that could pressure high-risk assets, and for a possible period of limited liquidity in financial markets, the people said.

AIG had about $11 billion dedicated to hedge funds as of the third quarter, and returns on the holdings have slumped in recent months. Chief Executive Officer Peter Hancock said at a Jan. 26 investor presentation that the company intends to lower the allocation, but he didn’t say how many hedge fund managers the company would stick with or provide details on the planned amount of exits.

“We had a very negative experience in hedge funds,” Hancock said in the presentation. Shifting the allocations will “lead to a much better return on risk and especially return on capital.”

New Investing Chief

AIG has an investment portfolio of more than $340 billion, mostly in bonds, and is seeking to free up funds to return to shareholders. Hancock hired former JP Morgan amp; Co. colleague Doug Dachille in July as chief investment officer, and the two are working to reshape the portfolio.

Hedge funds globally have underperformed the Standard amp; Poor’s 500 Index for seven straight years, and money managers including BlackRock Inc. have decided to wind down some strategies. Seneca Capital Investments and Lucidus Capital Partners are among firms that have disclosed plans to shutter funds, while others suffer client redemptions.

MetLife Inc., the largest US life insurer, said Feb. 4 that private equity and hedge fund investing has proved effective over time, even if fourth-quarter results were disappointing. Chief Investment Officer Steve Goulart said that while MetLife intends to stick with the strategy, the insurer had pared some bets and plans to be “really concentrating on the managers and strategies that have been the longer-term stronger performers for us.”

The people familiar with AIG’s plans didn’t list the funds that the insurer plans to exit. Nor did they specify how much money the company intends to pull. Jon Diat, a spokesman for the New York-based insurer, declined to comment.

AIG is scheduled to announce fourth-quarter results after the market closes on Feb. 11. The California Public Employees’ Retirement System announced plans in 2014 to divest the assets that it invested with hedge funds, saying they’re too expensive and complex.

With assistance from Simone Foxman.

Related:

  • AIG Hires Dachille as Investment Officer; Buys His Firm

Exclusive: Why Panasonic is making ‘significant’ investments in Coppell operations

Panasonic is investing in its North Texas operations as it ramps up the expansion of its A/V Solutions division in Coppell.

“So we’re the fastest growing entity in North America,” Jim Doyle, president of Panasonic Enterprise Solutions Co., said about the company’s divisions. “We’re the tip of the spear in the sense that we’re doing things that traditionally you wouldn’t think we do.”

Canada’s CI Investments returns C$156 mln to investors

TORONTO Feb 10 Canadian investment fund manager
CI Investments Inc has agreed to a settlement calling for it to
return C$156.1 million ($112 million) to investors after
miscalculating the value of cash collateral in certain of its
funds, Ontarios securities regulator said on Thursday.

The settlement – which includes an C$8 million payment to
the Ontario Securities Commission and C$50,000 to cover the cost
of their investigation – is the largest compensation since the
regulator introduced no-contest settlements in 2014.

As per the terms of such settlements, CI Investments, a unit
of CI Financial Corp, neither admitted nor denied the
allegations of OSC staff that it had not adequately monitored
the valuations of the funds.

($1 = 1.3917 Canadian dollars)

(Reporting by Alastair Sharp; Editing by Steve Orlofsky)

How to avoid becoming a victim of mortgage refinance scams

If youre a current homeowner, scammers might be targeting you to refinance your mortgage. Theyll use email, phone calls, fliers and even direct mail to lure you in, but beware these scams are designed to steal your money or personal information.

From touting mortgage relief plans to promising rock-bottom mortgage rates for a nominal fee, scammers use numerous angles to get what they want from vulnerable homeowners who might be struggling to make mortgage payments. In 2013, more than 11,000 complaints for loan fraud (including mortgages) were filed with the Federal Trade Commission, according to the FTCs Consumer Sentinel Network Data Book.

If youre looking to refinance, it can be hard to tell the legit offers from the bogus ones. Here are some tips to help you do that and avoid falling prey to mortgage refinance scams.

Know the common scams

Anytime you receive an offer that asks you to reveal personal information in exchange for a specific service, you should be suspicious, says Katherine Hutt, national spokeswoman for the Council of Better Business Bureaus in Arlington, Virginia.

Although you might receive legitimate letters in the mail from time to time, usually you have to seek help to refinance or modify your mortgage. Whats more, you must have your current lender approve and sign off on any such change, and thats not going to happen over email or a phone call with a third party, Hutt says.

The usual pitch is a special program guaranteeing a low interest rate so you can refinance your mortgage, Hutt says. She adds theres always a catch, such as needing you to fill out forms with your personal information or wire a fee to get your file started. Other scams include asking you to sign over your homes title to a company or individual in exchange for help (dont do it!), or phony counseling help.

Scammers will typically ask for your name, address, date of birth and Social Security number so they can steal your identity or sell it to someone else, which can be even more lucrative. In short, if its not your current lender and you dont know the company or individual making the offer, it should set off alarms. The best place for such offers is usually the trash can, but if you think the offer might be legit, be sure to do your homework thoroughly before giving out personal information or paying for services.

Never, ever pay fees upfront

If you do receive mortgage refinance offers (often cloaked as relief), scammers will sometimes ask you to pay an upfront fee to work with your current lender on a refinance. Another huge, waving red flag: an offer that tells you to stop paying your mortgage and reroute the money to the relief agency instead, Hutt says.

They will literally use any angle possible, Hutt says of scammers. To lock in a low rate, theyll ask you to send money over a wire transfer, prepaid debit card or gift cards all which are untraceable.

Scammers who are successful in persuading consumers to fork over substantial sums withdraw the cash from an overseas account or prepaid cards, then disappear with your money for good.

Requesting fees upfront before the promised results are delivered is illegal, according to the FTCs Mortgage Assistance Relief Services Rule. The rule states that a company cant collect any fees until a homeowner has actually received an offer of relief from his or her lender and accepted it. So even if you agree to a mortgage relief service, you dont have to pay until the transaction or services have been provided to your satisfaction.

Beware of suspicious emails

One of the easiest ways for scammers to swindle you out of money or personal information is by sending deceptive emails. They can send thousands of messages and make it hard for authorities to track the scammers down, Hutt says.

If you get an email from what looks to be a real bank or lender, analyze the URL and sender email address closely; scammers who are trying to steal your personal information typically change the URL to make these items appear legitimate, but they actually redirect to fake sites that steal your information.

Whatever you do, Hutt warns, dont click on any links from an email if you cant verify who the sender or company is; call your lender to ask if it sent the offer.

Seek help on your own

If youre interesting in refinancing or modifying your loan, contact your lender first to see what it can do to help. If you need to modify your mortgage because youre struggling to make payments, or if youve received a foreclosure notice, your lender might work with you on negotiating repayment terms.

Avenues for help

Speak with a credit counselor through the Homeownership Preservation Foundation, a nonprofit organization that operates the national 24/7 toll-free hotline (888) 895-HOPE with free, bilingual, personalized assistance to help at-risk homeowners avoid foreclosure.

Call the National Foundation for Credit Counseling at (800) 388-2227 to discuss debt relief options with an NFCC certified credit counselor.

Think youve been a victim of fraud or identity theft? File a police report with your local law enforcement agency first, then contact the Federal Trade Commission, your state attorney generals office, and the Better Business Bureau.

The BBB has a new scam tracker tool that allows you to search for reports of possible scams to see if other consumers have encountered the same caller, phone number, website or keywords that you have. (Note: Keep in mind that even if you dont find a report of a scam through the BBBs tool, the offer you received still might not be legit.)

Deborah Kearns is a staff writer at NerdWallet, a personal finance website. Email: dkearns@nerdwallet.com. Twitter: @debbie_kearns.

Broadridge acquires Anetics

Broadridge has acquired Massachusetts-based tech firm Anetics, adding to its arsenal of securities finance tools.

The new relationship advances Broadridge’s strategy to expand its securities finance suite of offerings, according to the tech solutions provider, which already includes FinancePro.

Jerry Friedhoff, managing director of securities finance and collateral management at Broadridge, commented: “The Anetics solution is an advanced securities lending tool that will allow us to provide additional capabilities across different asset classes to this important market. We are excited to have Rob Sammons and his talented team as a part of Broadridge.”

Rob Sammons, senior director of securities finance at Broadridge and former CEO of Anetics, added: “Broadridge’s global presence, financial strength and expertise at delivering technology solutions to capital markets firms will enable new service opportunities.”

“We find the Broadridge culture to be consistent with our own and expect this to be beneficial to our existing customers.

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