How to Find Missing Money.

How to find missing money.

Everyone gets junk mail and if you’re like me you don’t even open most or all of it. I got one letter that caught my eye so I opened it and it was from a company that claimed I had money that was owed to me if my name was “SO and SO”. I was on my way to the trash can when something I saw caught my eye, so I went to my computer and did a GOOGLE search for Missing Money and found several videos from ABC and NBC news stations. Here’s a video of one of the newscasts. After digging a bit deeper I found it was true there are hundreds of millions of dollars that go unclaimed. So where and how do you look for it and how do you claim it? I have provided a link to each state, just click on your state and fill out your name and click search to see if you have money that belongs to you. I checked one state and found I have two amounts totaling $123.00 owed to me. All I did was print out the form, signed and mailed them to my state’s treasury. You can be sure I will search other states where I have lived.

Alabama Hawaii Mississippi Oregon West Virginia
 ———-I——-  ———-P——
Alaska Idaho Missouri Pennsylvania Wisconsin
Alberta Canada Illinois Montana Puerto Rico Wyoming
 ———-N—–
Arizona Indiana Nebraska Rhode Island
 ———-S——
Arkansas Iowa Nevada South Carolina
———-C—–  ———-K——
California Kansas New Hampshire South Dakota
 ———-T——-
Colorado Kentucky New Jersey Tennessee
 ———-L——
Connecticut Louisiana New Mexico Texas
 ———-D—-  ———-M—–
Delaware Maine New York Utah
District of Columbia Maryland North Carolina Vermont
 ———-F—–
Florida Massachusetts North Dakota Virgin Islands
 ———-G—-  ———-O—–
Georgia Michigan Ohio Virginia
Guam Minnesota Oklahoma Washington

 

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Challenges facing seniors

Challenges facing seniors.

Challenges facing seniors.
Photo by: Tommy Lisbin

Some of the challenges facing seniors are that more than half of all retired seniors count on social security for half of their income. The other 50% of seniors count on Social Security for at least 90% of their income. (Data collected from NIH)

This will be further impacted in 2018 by yet another cost increase in Medicare part B changes which in all probability cause supplemental health insurance rates to rise. There is little we can do to change any of these items above and I can go on for hours quoting numbers and yelling the sky is falling but the truth is no one knows where it will end.

I am going to talk about some of the opportunities that are out there that can supplement your income and put cash in your pocket. I am not going to try to sell anything or try to get you to send me money. All I want to do is help those that are in the same boat I was after my wife passed away. I will only tell you this I have been turned down for survivors benefits, as well as disability. I am not able to live on my retirement alone and I know many of you are in the same boat as I am. Even if you’re not right now at some point you may be. Even if you are living comfortably wouldn’t it be nice to take off on that vacation or go to some nicer restaurants and not have to look for the blue plate specials?




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Become a notary and earn extra money

Photo by Helloquence
Photo by: Helloquence

What are or what does a Signing Agent do?

Notary signing agents are hired as an independent contractor. to ensure that real estate loan documents are executed by the borrower, notarized, and returned for processing on time. Completing this critical part of the loan process enables the loan to be funded.

You should get as much training as you can it will make it easier to perform signings, although it is not required in most states and you will have to check with the state you reside to understand their requirements. Each state charges an application fee to become commissioned and you will be sworn in at your local government office. For my state, it cost about $50.00 and took about three weeks to complete the entire process.

You can sign on with any number of training providers and after you complete a course you will be placed in a database for signing services to contact you to do signings. Each signing can take between one and three hours but the actual signing of most loan documents should be under one hour. The ones that take the longest are reverse mortgages and are a little more involved however these are the most rewarding.  This page will be updated as often as new information becomes available so come back often. I took two courses so I can only give my experience with each of them and I will give a review of the ones I used. I took a course given by NNA this seems to be the industry standard for all notaries that start out all though it is not required the majority of signing companies that seek out signing agents go here to find them. The membership is $69.00 for one year and they offer discounts for up to four years. The course can be taken independently from the membership but it’s a good idea to purchase the whole package because you get the NNA Certification as well as the required E&O insurance. I found the course information lacking severely inadequate to actually perform a signing so I looked for a course that taught the signings specifically and found Notary2Pro which I also took. I found this to be a lot better than what NNA offered and this level of training is needed to even begin thinking about going out to do a signing. In my opinion, the best way to achieve success if you are going to become a Notary Signing Agent is to get as much training as you can. Do your research carefully when you are going to sign up and pay for training. The best thing you can do is to find someone in your state to train you because each state has specific basic requirements on how signings are performed such as Reverse Mortgages, Refinances, conventional or VA mortgages.

This is like any other business in that it will take a few years before you learn the ropes and build up a reputation with signing companies or title companies. Here are some of the best deals I have found for items you will definitely need if you don’t have them already.



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Sell your old CD’s & DVD’s

How Much Cash Do You Have Sitting Around?

Photo by: Sharon Garcia

Here is a good way too cash in on the money that’s just laying around your house. I had almost three hundred music CD’s “268 to be exact” that I was able to sell? I was paid $317.67  and the buyer paid for the shipping.

The concept is called “re-commerce” Here is how to go about it.

This website is convenient Bonavendi it will display the amount other buyback sites will pay you. Often though the amount you see is not up to date so I only use it to show me who is buying. I then go to the sites using another tab or web browser and re-enter the ISBN information. You can learn about what an ISBN is by clicking this link What is an ISBN.  If you have a lot of CD’s and DVD’s you may want to buy a scanner they are cheap and well worth the small investment. Be sure to get one that has an auto scan feature so all you need to do is pass the barcode under the laser to activate and automatically insert the ISBN into your browser.


CD’s and DVD’s are not the only items these sites purchase, they also purchase cell phones, books, video games, game consoles, legos, Kindle’s, Notebooks and much more depending on the buyback site. So items you will be paid $20.00 and up to about $100.00 each. I took this opportunity to another level after my first shipment and in 2017 I was paid $17,043.45 so, as you can see this can be a lucrative past time. Here are some of the sites I sell to. Not only is it fun to go hunting for items to sell it’s a good opportunity to get out and meet people, visit yard sales  I like to walk a lot providing the weather is nice. Some buyback sites even have phone apps you can scan to see if they are worth buying and after your day of treasure hunting all you need to do is go home to print your shipping label and send off the box or package.

I want to add one thing I always copy my music CD’s to iTunes and keep a backup copy on two devices as well as the cloud. Happy treasure hunting.

https://www.bonavendi.com/

https://www.bookfinder.com/buyback/

Bookscouter

Moneypantry

Gazelle

Buybackworld

Abebooks

Decluttr

Bookmonster


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Amazon selling journey

Time just fly’s by doesn’t it? So here is where I am in my Amazon selling journey. I killed it in the first two months then BAM! The bottom fell out, and it’s all my fault. I saw the gold ring and could not resist reaching for it. All I can say is you have to crawl before you can walk. I saw all the big profits that the Privet label guys were making, so I got sidetracked and instead of following my original plan I got into things like building a website, sending away to China for samples. I even became affiliated with a global book distributor so here’s the bottom line. I ordered coloring books that I got from the book dealer at a 35% discount only to find I could have bought them from Amazon cheaper yea dumb huh? During all this time of reaching for the gold ring, my inventory dwindled to about 37 books with a very low selling price, so cheap I even lost twenty-five cents on one of them due to Amazon’s fees so I re-priced my little inventory so I would not get burned again. My last check was only fifty-one dollars, and some change which was what woke me up to what I had been doing was getting greedy. So now I have all this inventory that is six dollars an item that is on page two and three where no one ever looks resulting in no sales. What do I do to fix this mess? I still have to pay thirty-nine dollars a month and sell forty-one items each month or drop down to a non-pro account and pay another dollar to Amazon in selling fees for each item sold.
Here is what I came discovered. I took the books that I had started selling them as Merchant Fulfilled. I built a spreadsheet that had six charts with each weight break down for mailing media, and I found I could make money on postage. Take a look at the table below as I explain how the finer details of merchant fulfilled work.

Up to 1 Pound $2.61
Book Cost  $       0.20
Postage on sale  $       3.99
Actual Postage to Mail  $       2.61
15% Amazon Referral Fee  $       0.60
Variable Closing Fee  $       1.35
Mailing Supplies  $       0.02
Selling Price  $       4.00  
 
Left after Amazon Fee’s  $       3.21  

The last batch of books I bought was over one thousand and was two hundred dollars that break down to about twenty cents per book. When I sold this book in the example on Amazon as FBA Fulfilled By Amazon I lost a quarter because of fees (If you want to know what they left a comment, and I will post it). In this FBM example, you can see, I made a little over three dollars on the four-dollar book. I also figured out that if I made the mailing boxes, I would be able to save even more. So Combining that and the fact I was also saving fifty cents per book by not sending it to amazons warehouse not to mention they sometimes transfer your stuff to other stores which, you guessed it they charge a fee. Even though its shows three dollars and twenty-one cents, on average in this selling sincere I could be as high as four dollars in my pocket instead of losing twenty-five cents.
If you have noticed the “mailing supplies” are only two-cents that is for the tape to close the boxes. I found a way to make my boxes for free “free is good” Everywhere you look people are throwing away cardboard of all kinds and sizes I did some experimenting and came up with standard sizes that I could pre-make and have ready for shipping. I made a sheet metal template I put down on two sheets of cardboard and just trace it with a razor knife. I can make two at once turning out about forty boxes in a few hours or less. If I was one of the big booksellers, I could get mailers for about fifteen cents each. I would have to be mailing over one hundred books a day to get discounts like that, for now, I have not found any boxes for less than a dollar or two so for me that’s a significant saving.

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