GM EYTD

GM EYTD A Community Health Provider That’s Too Big — and Vital — to Fail

Whether you find yourself suddenly dealing with a higher-than-expected utility bill or are struggling to save for a vaca...
26/12/2021

Whether you find yourself suddenly dealing with a higher-than-expected utility bill or are struggling to save for a vacation, household repair, or your kids' college tuition, practically everyone would like to have a little more money in their bank account from time to time. And while the right savings accounts or investments may help your money grow over time, there's one financial offer you're better off avoiding entirely—even if it's being offered by your own bank.

If you think you've been the victim of a reverse mortgage scam or business email compromise scam, it's important that yo...
26/12/2021

If you think you've been the victim of a reverse mortgage scam or business email compromise scam, it's important that you report the crime to the FBI.

Business compromise scams or reverse mortgage scams can be reported to your local FBI field office; the former can also be reported to the Office of Housing and Urban Development (HUD) and the latter can also be reported via the FBI's Electronic Tip Line.

While there are legitimate reverse mortgages to be had—although financial experts have differing opinions on whether or ...
26/12/2021

While there are legitimate reverse mortgages to be had—although financial experts have differing opinions on whether or not they're a good idea—there are certain red flags that can tip you off to one that's a scam.

Freddie Mac says that if someone asks you to pay a fee to them to modify or refinance your mortgage, promises to be able to put a foreclosure on hold or secure a loan modification, asks you to pay them rather than your mortgage lender, asks you to sign paperwork that you're not allowed to read or sign your home's title over to them, asks you to provide personal information via phone, or promises "government-approved" or "official government" loan modifications that don't come from your existing mortgage lender, you're likely dealing with a scam.

According to Rocket Mortgage, there are multiple forms of reverse mortgage fraud.These scams often come in the form of p...
26/12/2021

According to Rocket Mortgage, there are multiple forms of reverse mortgage fraud.

These scams often come in the form of people promising to get your home out of foreclosure by getting a reverse mortgage without actually delivering a new contract; having your home appraised for a high amount, asking you to apply for a reverse mortgage, and then closing the loan and stealing the proceeds; or asking you to apply for a reverse mortgage to buy investment property, only to deliver a sub-par home on which you've paid significant money to a contractor or supposed mortgage broker.

Reverse mortgages, or home equity conversion mortgages, have become increasingly popular in recent years—and they've bec...
26/12/2021

Reverse mortgages, or home equity conversion mortgages, have become increasingly popular in recent years—and they've become a fruitful tool for scammers, too.

The FBI warns that people shouldn't reply to unsolicited messages offering reverse mortgages and to "be suspicious of anyone claiming that you can own a home with no down payment."

Your home isn't just the place you rest your head at night: it's where you gather with friends, where you keep your most...
26/12/2021

Your home isn't just the place you rest your head at night: it's where you gather with friends, where you keep your most prized possessions, and quite possibly the most expensive investment you'll ever make.

That's why it may seem appealing when you stumble upon a means of lowering your monthly mortgage payments.

While refusing to provide your health insurance details to people who contact you unsolicited and reaching out to the cu...
26/12/2021

While refusing to provide your health insurance details to people who contact you unsolicited and reaching out to the customer service department for your healthcare company are good starts, checking your billing statement can also help you identify fraud.

If you've been contacted out of the blue by someone offering you a free healthcare service, promising to help you enroll in a new healthcare plan, or promising to help you switch to a new plan, it's important that you thoroughly scan your insurance statements to ensure that all charges are for services you actually received. If you get a bill for services that were never provided to you, you may have been the victim of a scam.

While you may need assistance enrolling or changing your healthcare plan, it's wise to be suspicious of anyone claiming ...
26/12/2021

While you may need assistance enrolling or changing your healthcare plan, it's wise to be suspicious of anyone claiming to be a representative for a health insurance company, Medicare, or working as a customer service agent for marketplace plans who contacts you out of the blue.

"People representing Medicare or ACA plans don't contact you by phone, email, or in person unless you are already enrolled," explains the Better Business Bureau (BBB). If you are contacted by someone and aren't sure if they're a legitimate insurance representative, search for the customer service number for their company online and call it—not the number you may have received a call from—to verify that they're who they say they are.

In addition to fraudulently billing your health insurance company for services that were never rendered to you, this con...
26/12/2021

In addition to fraudulently billing your health insurance company for services that were never rendered to you, this con may enable scammers to impersonate you.

Not only can scammers find out other personal information about you once they have your health insurance information—potentially including details that could provide them access to services or other benefits from your health insurance company that you end up footing the bill for.

That’s the good news and the bad. The clinic’s ability to survive and thrive is absolutely something to celebrate. But t...
16/12/2021

That’s the good news and the bad. The clinic’s ability to survive and thrive is absolutely something to celebrate. But the need for the Venice Clinic’s services — to the poor, the homeless, the uninsured and the largely invisible — is growing exponentially. It has become a game of catch-up in which it’s nearly impossible to win.

“Our growth reflects the tremendous need that has always been in Los Angeles County,” says Elizabeth Benson Forer, CEO and executive director of the Venice Family Clinic. “There is a huge issue across our country — but especially in Los Angeles County and in California — with health care and health care infrastructure, especially for people with low incomes and very low incomes.”

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