Equifax hack effects on home purchase

Nearly half of Americans had their personal information stolen last week from Equifax. Are you one of them?  If you plan to purchase a home, now is the time to find out. New accounts opened while trying to obtain financing can derail your home purchase. Here’s what you need to know.

The information stolen including names, Social Security numbers and addresses can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check. You may not know these new accounts have been opened for some time, allowing the theif to rack up large balances in your name.

Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case. However, they won’t notify you directly if you’re one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.

There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.

And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.

If you do find out that someone has created a new account in your name, you’ll have to prove that you didn’t open the account and you might have to clear bad debt information from your credit report.

It could be a long, messy process. Here’s where to start:

1. Go to IdentityTheft.gov to file an identity theft report … 

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Williams Wild West Junction

Wild West Junction – A must see replica of the old wild west.   Here is an outstanding opportunity to own one of the most unique restaurant/bar/motel properties in Arizona- Wild West Junction. This miniature wild west town maintains the cowboy theme throughout the property. From the the Longhorn Saloon and Steakhouse to the Drover’s…

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2017 Cool Country Cruise In

Where can you find Classic Cars, Great Music and Fabulous Food? Williams of course! In just over 2 weeks Williams will have their annual Cool Country Cruise In. Car enthusiasts from all over will converge on this Route 66 location for the annual classic car show.  The event is sponsored by Twisters 50’s Soda Fountain and…

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Small Business Startup – 10 Steps

10 Steps to Starting a Business (from the U.S. Small Business Administration)

Starting a business involves planning, making key financial decisions and completing a series of legal activities. These 10 easy steps can help you plan, prepare and manage your business. Click on the links to learn more.

Step 1: Write a Business Plan

Use these tools and resources to create a business plan. This written guide will help you map out how you will start and run your business successfully.

If you are just starting a business, you won’t have as much information as an established company. Instead, focus on your experience and background as well as the decisions that led you to start this particular enterprise. Demonstrate that you have done thorough market analysis. Include information about a need or gap in your target market, and how your particular solutions can fill it.

Step 2: Get Business Assistance and Training

Take advantage of free training and counseling services, from preparing a business plan and securing financing, to expanding or relocating a business.

Step 3: Choose a Business Location

Get advice on how to select a customer-friendly location and comply with zoning laws.

Step 4: Finance Your Business

Find government backed loans, venture capital and research grants to help you get started.

Step 5: Determine the Legal Structure of Your Business

Decide which form of ownership is best for you: sole proprietorship, partnership, Limited Liability Company (LLC), corporation, S corporation, nonprofit or cooperative.

Step 6: Register a Business Name (“Doing Business As”)

Register your business name with your state government.

Learn which tax identification number you’ll need to obtain from the IRS and your state revenue agency.

Finish reading this article on the SBA website here.

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Grand Canyon Music Festival’s 34th Year

 It is the mission of the Grand Canyon Music Festival to enhance the Grand Canyon experience by presenting world-class music in Grand Canyon National Park and in outreach programs to schools in rural and Native American communities.

The Grand Canyon Music Festival celebrates its 34th season with a series of concerts between August 25 – September 9, 2017. The performances will feature a variety of talented artists which includes the Catalyst Quartet, Grand Canyon School of Rock, The Bonfiglio Group,Joe Deninzon, Jon Klibonoff and Johanna Lundy. Visit the official festival website for locations and ticket information at www.grandcanyonmusicfest.org.  Shows usually sell out, so if you’re interested, try to reserve your tickets asap.

The performances take place in the Shrine of the Ages, which is where they have the evening ranger talks in the winter. It’s also where some of the different religious groups in the park hold services. There is a path to the rim, about a half-mile walk. There’s a good size parking area right there, from when the visitor center was there.

 

New ticket pricing: Rather than a general admission fee to performances, a donation of $15 is suggested, an amount based on historic ticket prices.

This new policy allows you to give what you are comfortable with, while increasing access for everyone!

 

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Handcrafted Log Home with views of San Francisco Peaks

 Stunning Custom Handcrafted Montana Built Log Home sitting on largest lot within gated subdivision Pine Meadow Estates. There is no other place like this in Arizona, the views of the San Francisco Peaks and surrounding mountains are unbelievable!! This gorgeous custom hand-scribed, hand-hewn log home is built with 18-21 inch Spruce. Nothing was spared in…

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Home Buyer’s Advice: Questions to ask when choosing a mortgage lender.

Does it feel like you need a crystal ball to choose a lender for your new home. We have some tips that are a bit more scientific. Print out this list of questions and take it with you when you interview or research lenders. If you need assistance with a real estate sale or purchase,…

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