Friday, May 25, 2012

X Roanoke Landlord Bill White Is On The Run From The Feds

Photo By New York Times of Roanoke Landlord Bill White
The Federal Marshals say former Roanoke landlord Bill White is on the run. I've been told that Bill lost the rest of his houses when making some deal with a bank for rehab money. I have 2 of them. Apparently Bill backed out after a while and gave up the properties. Another guy is now in charge of rehabbing them and once they are rehabbed he has a deal with the bank to purchase them.

The next news on Bill was that he was facing another 2 months in prison. Something happened that lead the courts to overturn a decision that a former judge made which required 2 more months to be served. It seems that he was being charged a second time for the same crime which I thought was illegal.

He then found himself in court again for distributing fliers for a book he wrote called "The Centuries of Revolution: Democracy, Communism, Zionism." Apparently they got him on littering charges and it appears they did this because they were not happy with the books content or politically incorrect content of the flyer.

There are many ways the government can go after a person if they are not happy with the message that they deliver to the public. We have a 1st Amendment in the United States Constitution that gives the people freedom of speech. And that freedom is supposed to include unpopular speech or politically incorrect speech. People have the right to say or believe as they wish whether you like it or not. And you have the same right to reject the message that they are conveying.

Bill was convicted of this crime of littering in Augusta County General District Court. He appealed and didn't show up to the trial and was fined $250 and ordered to pay $164 in court costs.

A criminal conviction is a violation of his probation. His littering charge is a criminal charge but a misdemeanor.

The Government is on the hunt for him. They found that he is no longer at his house as he is supposed to be.

Update: Bill White was caught in Mexico. 

Monday, May 14, 2012

House Hijacker

Scumbag Couch-Surfing In Your Crib And He Isn't Leaving Any Time Soon
Below is a trespassing notice that I have used on a few occasions.  I have been fortunate that when I used it they left as demanded. However I'm not sure if the city is enforcing this law. See Below where the specific Virginia laws are quoted. It seems to me that I always hear from the police trespassers are a civil matter but it doesn't look that way when I read the law.


DATE & TIME OF INCIDENT: _______________


You, Johnny Trespasser, are hereby notified pursuant to
Virginia Code § 18.2-119 and 55-248.31:01 that you are hereby barred from entering in or upon the premises or cartilage of the property of the address:
1234 Bad Tenant Ave. SE, Roanoke, VA 24013
 Further, you are hereby notified that if you are found entered upon the above
 Premises after the date of ___________, your presence shall be deemed a trespass upon said property
 herein described and the owner, or duly authorized representative shall take every measure
 permitted by law to prevent such trespass, which shall include arrest by a police officer. 

Should you enter or cross my property, I will notify the Police Department and seek a criminal
 complaint against you in the General District Court for trespassing and or apply directly with
 the magistrate for a warrant for trespass.
 I, Johnny Trespasser, 
Of (address) __NA_______________________________________________________ 
(city) _Roanoke_____________ (state) _VA________ (zip code) _________________  

I have fully read and understand the significance of the above notice of trespass and voluntarily 
affix my signature. 
__________________________________       ______________________
(signature)                                                            (date)
_____________________________________         _________________________
(signature of property owner / agent)                        (date)
Lease Agreement States:
b. NO ASSIGNMENT OR SUBLEASE: TENANT cannot sublease or assign this lease to any one else for
 any reason or allow anyone not approved in writing by LANDLORD to occupy the premises.
d. NO OTHER RESIDENTS ALLOWED; GUESTS LIMITED: TENANT will not allow any other individuals
 except those listed in this lease to reside in the unit. TENANT may have temporary overnight visitors provided:

1) any such visitors do not stay overnight more than fourteen days total in any three month period and 
2) there are not more than two overnight visitors at any one time.

I hereby certify that I served this Notice upon the named trespasser by:
________Delivering a copy of it personally to the trespasser.
________By phone or verbally.
________Service by certified mail with return receipt requested.

Virginia Law
Virginia Code § 18.2-119 defines the crime of trespassing as follows:
If any person without authority of law goes upon or remains upon the lands, buildings or premises of another, or any portion or area thereof, after having been forbidden to do so, either orally or in writing, by the owner, lessee, custodian or other person lawfully in charge thereof, or after having been forbidden to do so by a sign or signs posted by such persons or by the holder of any easement or other right-of-way authorized by the instrument creating such interest to post such signs on such lands, structures, premises or portion or area thereof at a place or places where it or they may be reasonably seen, or if any person, whether he is the owner, tenant or otherwise entitled to the use of such land, building or premises, goes upon, or remains upon such land, building or premises after having been prohibited from doing so by a court of competent jurisdiction by an order issued pursuant to §§ 16.1-253, 16.1-253.1, 16.1-253.4, 16.1-278.2 through 16.1-278.6, 16.1-278.8, 16.1-278.14, 16.1-278.15, 16.1-279.1, 19.2-152.8, 19.2-152.9 or § 19.2-152.10 or an ex parte order issued pursuant to § 20-103, and after having been served with such order, he shall be guilty of a Class 1 misdemeanor. This section shall not be construed to affect in any way the provisions of §§ 18.2-132 through 18.2-136.

55-248.31:01. Barring guest or invitee of tenants. A. A guest or invitee of a tenant may be barred from the premises by the landlord upon written notice served personally upon the guest or invitee of the tenant for conduct on the landlord's property where the premises are located which violates the terms and conditions of the rental agreement, a local ordinance, or a state or federal law. A copy of the notice must be served upon the tenant in accordance with this chapter. The notice shall describe the conduct of the guest or invitee which is the basis for the landlord's action.
B. In addition to the remedies against the tenant authorized by this chapter, a landlord may apply to the magistrate for a warrant for trespass, provided the guest or invitee has been served in accordance with subsection A.
C. The tenant may file a tenant's assertion, in accordance with  55-248.27, requesting that the general district court review the landlord's action to bar the guest or invitee.

Wednesday, May 9, 2012

Permanent Insurance: The Living Benefits

Permanent life insurance provides you with a valuable death benefit at a time of loss and need. But if you take a closer look, you'll see that it has the potential to offer so much more.

The Facts of Life
The death benefit provided by life insurance is a key component of a sound financial plan. The right amount of life insurance coverage can help you protect your family's current life style — without it, the loss of income could mean that a major change in lifestyle or standard of living may be required to meet expenses.
Beyond the Death Benefit
The main reason for buying life insurance is to make sure that your loved ones are financially secure in the event of your death, but permanent life insurance also can provide you with living benefits. Living benefits can be in the form of policy cash value, optional riders and policy features and can provide resources for helping with:                 
Supplementing retirement income

Preparing for chronic illness

Disability income

Business planning

College tuition

Charitable planning

Estate planning

Insurance for Your Lifetime
The death benefit provided by life insurance is critical for those who depend on you financially. But understanding how you and your family or business can gain from the living benefits of a policy is also important.
Since the cash value of a permanent life insurance policy grows income tax deferred, it can be used to provide an income stream during retirement or to help meet other long-term financial goals, such as funding college education for a child or grandchild. The guaranteed accessibility to the cash value makes permanent life insurance one of the most valuable assets people can own.

Here are some important ways you can use these living benefits:

Dealing with the Unexpected
If you were to become disabled, would your company still put money in your 401(k)? With cash value to fall back on, you could supplement disability income and cover necessary expenses if you were ever faced with a life-changing accident or illness.
Educating Children
College tuition and living expenses may be paid with permanent life insurance cash value, and currently most applications for student financial aid don’t consider this asset when determining eligibility for scholarships, grants or loans. Parents also purchase life insurance as part of their plan to protect their ability to pay for college.
Generating Business Cash
When an opportunity arises or your business requires immediate funds, you can access life insurance cash value quickly without credit applications or lengthy approval processes. One company in California expanded their satellite parts manufacturing business using cash value as collateral to secure favorable bank loan terms and local government incentives. Another business owner in Tennessee found peace of mind in using cash value to meet payroll expenses when his small real estate management business was hit by the area’s economic woes. This makes permanent life insurance an advantageous funding vehicle for Buy-Sell Agreements and Executive Deferred Compensation Arrangements.

Provide Funds for Emergencies
Whether it is an unexpected home repair or a family crisis, you may at times need additional dollars to address life’s challenges. Once your emergency fund is depleted, cash value can be tapped to pay for unexpected events, like a new roof or a family member’s medical expenses.
Planning for Business Succession
When your client’s business life solutions include life insurance for their business succession needs such as funding a buy-sell agreement, a key person policy, an executive bonus arrangement with life, or a non-qualified deferred compensation arrangement, a permanent life solution is often a way for that business owner to more fully protect their business. While a term policy can protect a business against the unexpected death of a business owner or key person, a business is also vulnerable to the retirement, disability or withdrawal of that key employee or owner.
By using a permanent policy to fund these business life solutions, the business owner has a ready source of funds that it can access on a tax advantaged basis to meet their needs in the event of disability, retirement or withdrawal, as well as any general need of the business.

Supplement Retirement Income
The cash value of permanent life insurance can be a stable asset in your retirement portfolio that is guaranteed to grow, consistently and tax-deferred, over many years. There are multiple options for using your accumulated cash value to suit your individual needs at retirement and beyond.
With protection and accumulation, permanent life insurance helps you build a foundation for life, a stable portion of your financial security plan that helps manage risk and grow assets.

Term vs. Permanent Insurance Features
Term Life
Permanent Life
Lower premium
Higher premium
Limited time
Cash Value
Builds tax-deferred
Paid in cash, applied to premium to buy additional coverage or accumulated with interest
Available on cash value for any purpose
Death benefits
Death and living benefits

This material was prepared for educational purposes only and does not constitute tax, legal or accounting advice. Neither Farmers Insurance nor any of its agents,
employees or registered representatives are authorized to provide tax or legal advice. This material was not written for, or intended for, and cannot be used by any
taxpayer for, the purpose of avoiding any IRS penalty. Any discussion of taxes herein or related to this document is for general information purposes only and does not
purport to be complete or cover every situation. Tax laws are subject to interpretation and legislative change. The actual tax results and the appropriateness of any product
or arrangement for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax
advisers regarding your particular set of facts and circumstances.
MP.01 10/11

Thursday, May 3, 2012

Criminal Background Checks on Tenants Are Critical

1.) Prostitute Burns Landlords House Down And Kills Herself

Helen Muriel Greene doused herself and a man named James Smith in gasoline and lit the two of them on fire in their landlords house on the 200 Block of Patton. Helen burned to death and James suffered burns on 65% of his body. If this is the same guy, James Arthur Smith has a history of possessing crack cocaine. Helen has a long history of drug, prostitution and intoxication in public charges in Roanoke City.

Now the landlords house is severely burned. Possibly beyond repair. See the video below.

If you haven't been doing FREE criminal background checks on your tenants you may start to think about doing so.

2.) Stoners Leave A Candle Lit While Going To The Store And Burn Landlords House:

Today in the 500 block of Day landlords house was burned with an expected 20,000 worth of damage because a couple pot heads left to go to the store while they had candles lit in a quad. These stoners risked everyone in the apartments lives. So how do I know they were stoners? The police came there and arrested them for some sort of marijuana manufacturing that they were involved with once the firemen saw their grow room when putting out the fire.

NOW what do you think about renting to druggies, prostitutes and people with criminal backgrounds such as this? Criminal background checks are imperative. They are FREE so you have no excuse otherwise.

Mr. Landlord to Address Real Estate Investors

Press Release:
Jeffery Taylor will be presenting “Discover How to Fill a Vacancy in 72 Hours”.   If you are a current landlord who is frustrated with your house sitting empty, or just understand that vacant homes do not produce income, this is for you!

Roanoke, Virginia – May 3, 2012 – –  Real Estate Investors of Virginia (REI of Virginia), will be hosting Jeffrey Taylor a.k.a. “Mr. Landlord” at the El Rodeo on 4017 Williamson Road in Roanoke, Virginia on Tuesday, May 8, 2012 at 6:30pm. He will be presenting “Discover How to Fill a Vacancy in 72 Hours”.
For years, Mr. Landlord has been helping real estate investors, landlords, and managers fill their vacancies in just 72 hours and keep residents happy for years. He is the author of the bestselling books "The Landlord's Survival Guide" and "The Landlord's Kit". He's America's #1 landlording coach, a successful landlord with over 25 years experience and founder of Mr., home of the most visited landlord Q&A website in the nation for rental owners.

With real estate prices still low and many former homeowners that will need to rent due to foreclosures and other financial and credit related issues, there may not be a better time to purchase income properties to hold long-term to rent or offer rent-to-own opportunities. For an inexperienced investor, what could be one of their greatest financial moves could become their biggest nightmare without professional guidance.
If you are currently managing rental properties, are a successful real estate investor, or even a beginner who has not purchased investment real estate yet, you are invited to attend.  This seminar is a condensed version of a half-day seminar valued at $79 but will be offered at no charge to everyone that attends.  This will be a dinner meeting and optional food purchase is not required.  Please visit to sign up as seating is limited. 

About REI of Virginia
REI of Virginia is group made up of landlords, investors, real estate agents, real estate service providers and people that want to learn more about real estate investing.  Our members range from beginner to expert and share a common interest in learning, investing and working together on challenges that the real estate professional faces.  REI meets at 6:30pm every Tuesday at El Rodeo at 4017 Williamson Rd in Roanoke.  Regular Meetings are open to anyone interested or involved in real estate and free for members or $5.00 for non-members. 

Tuesday, May 1, 2012

10 Things Funeral Directors Won't Tell You


Best Regards,
Terry Carico

1. Business is slow, but my prices are high.
As U.S. life expectancies continue to climb, decade after decade, funeral homes struggle to maintain their profits. In most industries, that would mean price wars, but not in the burial business, where consumers often choose providers based on just three criteria: location, family history and personal recommendations. According to the most recent data from the National Funeral Directors Association, the average cost of a funeral was roughly $6,200 in 2006. And that s without a lot of fancy extras such as cemetery charges, flowers and video tributes. That amount is up nearly 20% from 2000, when the average funeral was $5,180.
Looking to protect consumers who can be vulnerable when dealing with the death of a loved one, the Federal Trade Commission put in place the Funeral Rule of 1984, which requires all funeral homes to provide a written price list with itemized fees. Nonetheless, some businesses still don t offer it -- or else they exclude simple options such as direct cremation or burial, as well as bundle things consumers aren t required to buy, such as vaults or transportation services.
The best defense? Shop around, or have someone who is up to it do it for you. Specifically, call and request an itemized price list from several funeral homes in your area and choose accordingly.

2. Cremation is killing off my profits.
Cremation is becoming a steadily more popular practice in the U.S. According to the Cremation Association of North America, the number of cremations constituted 36% of all deaths in 2008; by 2025 that figure is projected to reach almost 60%. Since cremation can cost up to a third less than the average funeral, this trend is bad news for funeral directors.
To pick up the slack in lost revenue, some funeral homes are promoting extra products and services. While grieving families are often relieved to hear that cremation can include such traditional funeral elements as a viewing and a memorial service, there are some things that are unnecessary. For example, cremation does not automatically involve purchasing a casket even if you plan to hold a viewing beforehand. (In that case, inquire about renting a casket from the funeral home.) Also, funeral directors who offer the most basic type of cremation are required to disclose your right to buy an unfinished wood box or an alternative container, and are obligated to make such a container available.

3. You don t actually have to buy your casket here.
One of the biggest funeral expenses is the casket. The price can range from under $1,000 to over $10,000. Funeral directors are required by law to provide a list of prices for every casket they sell before showing them, but they don t always have every model they offer on hand. If you don t see some of the less expensive models, ask about them. Most funeral homes have access to other caskets and can usually get them within 24 hours, says David Walkinshaw, a spokesman for the Massachusetts Funeral Directors Association.
What many people don t know is that you needn t purchase the casket from the funeral home at all. Third-party dealers selling reduced-cost caskets have sprung up in the past decade; caskets are now available for purchase over the Internet, at funeral-supply stores and even at some Costco locations. Funeral directors are required by law to accept caskets purchased from these outlets, and they cannot legally charge you a fee for doing so.
4. We ll play your heartstrings like a harp.
There are many ways to honor loved ones after they pass away. And funeral homes will pitch grieving relatives all kinds of services and features to memorialize the deceased including a white-dove release and corrosion-resistant and non-rusting bronze caskets. One funeral home company even offers a 24-Hour Compassion Helpline (trademarked) and a grief management library.
Critics say that funeral homes sometimes rely on certain words to subtly influence customers. For example, funeral homes sometimes stamp temporary container on the cardboard box cremated remains are returned in implying that the family will need to buy another urn. The word temporary is manipulative the customer should decide what s temporary and what s permanent, says Joshua Slocum, executive director of the Funeral Consumers Alliance. Funeral directors want you to buy a $200 or $400 urn. Traditional is another word that can crop up in marketing materials, suggesting that transportation or steel caskets are part of a traditional funeral service, for instance. When a relative dies and you have to make the decision about which casket to buy, of course, you, of course, don t want to seem cheap. Don t be intimated by emotional connotations of traditional, says Slocum.
Pat Lynch, the president-elect of the National Funeral Directors Association, objects to the characterization of these services as any kind of disreputable tactic. The vast majority of funeral directors are compassionate and sympathetic individuals, says Lynch, who is also the president of Lynch & Sons Funeral Directors in Clawson, Mich.

5. Embalming is optional.
Most people think embalming, the process of chemically preserving a body, is a necessary or even legally required part of the undertaking process. Not true: Embalming is almost never necessary in the first 24 hours and is not required at all in many cases when you choose cremation or immediate burial, for example, or when plain old refrigeration is available.
If you opt to hold a public viewing, the funeral home may have an embalming policy in such cases. And it ll likely encourage both. The funeral industry stresses the notion that in order for anybody to come to terms with death, they must see embalmed bodies, Slocum says. That s malarkey. Funeral directors promote it, he says, not only for the embalming fee, but also because if you re paying for the embalming and beautifying of the body which can average $500 and reach as high as $1,400 it s easier to sell you a fancier casket.
The NFDA s Lynch says if families prefer not to have embalming, most funeral directors will attempt to accommodate their wishes, adding that there are sometimes practical reasons why embalming is advisable, particularly when there is an extended period of time between death and burial.
If your funeral home has an embalming policy and you re opposed to it, ask if it will hold a private viewing for family members, without embalming. The bottom line? Don t feel obligated just because it s [considered] normal, Slocum says.

6. You might not need me at all.
Despite the common conception, only some states including Louisiana, Nebraska, Illinois, New Jersey, New York, Indiana, Michigan and Connecticut require you to hire a funeral director at all. In most places, it s perfectly legal to plan and conduct a funeral in your own home. While there are no hard statistics on home funerals, public interest is definitely growing, says Lisa Carlson, author of Caring for the Dead: Your Final Act of Love.
Experts say the option can make the grieving process more natural. The privacy of a home funeral allows more time for intimacy and emotional expression rather than the one or two hours a person may have at a rented building, says Jerrigrace Lyons, founder of Final Passages, a group that educates consumers about alternative funerals. For example, she says, family and friends can choose to build or decorate as a form of grief therapy.
What s more, people can save hundreds, if not thousands, of dollars in funeral costs. They remain in charge and don t end up spending for unwanted services and goods chosen at a very vulnerable time, says Lyons.

7. Prepaying benefits me, not you . . .
A sizable chunk of the over-50 population (34%) has done some preplanning for a funeral or burial, according to a 2007 AARP survey. And about 23% have prepaid at least a portion of funeral expenses for themselves or someone else. So-called preneed funeral arrangements seem like a good idea on paper: Customers design their own funeral and pay for it in advance, thus protecting their relatives from escalating prices and preventing them from having their grief exploited for profit. The cost of the funeral is paid either in part or in full, with a percentage of the total put into a trust or covered via a preneed insurance policy with monthly payments. Sounds like a great idea on paper. But prepaying is often a better deal for the funeral home than for you.
Some states allow the funeral home to take a percentage of the contract at the time the prearrangement is made usually requiring the funeral home to guarantee to perform services for the remaining funds. Other states require that all funds be placed in trust or insurance, says Walkinshaw.
So if the funeral home goes out of business or you change your mind, you won t necessarily get all your money back and less money earns interest in the trust. Preneed insurance policies, meanwhile, aren t usually refundable, and you may only get pennies on the dollar if you cash out of them. AARP recommends funeral preplanning, but cautions about prepaying. You need to know where your money is being held, says Sally Hurme, a spokeswoman on consumer protection issues for AARP.

8. . . . and it doesn t cover everything.
Even if you do prepay, your loved ones may still have to open their wallets, as there are many items commonly found on funeral bills such as autopsy charges, flowers, and cemetery charges that can t be included in preneed contracts. Many of these items are beyond the funeral director s control even though the consumer sees it all as part of the funeral, says Walkinshaw.
Relatives may also get stuck shelling out for the casket, since a model picked out 15 years ago may no longer be available. It s not uncommon for models to be discontinued, and while there may be a similar replacement found, the price will almost inevitably have increased. You should be clear about what the contract says. If there are guarantees, know what they are and know what your responsibilities might be if prices do go up, Walkinshaw says.
Some good questions to ask: How and where is the money in my prefunded funeral contract being held? If I revoke or transfer the contract do I get all the money back? Do I also get the accumulated interest?

9. At the crematorium, anything goes.
In 2002 the funeral industry and the general public were appalled by news of decomposing remains found at a crematory in Noble, Ga. The Cremation Association of North America quickly responded by revising a model state cremation law to include certification and training requirements. Increasingly, states are requiring inspection and licensing for crematories. You can check with your state funeral service board for guidelines and any reports on crematory inspections.
A class-action lawsuit against the Georgia crematory also asserted claims against several funeral homes for failing to ensure that cremations were performed properly (or, in fact, at all). The funeral homes settled for roughly $36 million, and the crematory later settled for $80 million. To help protect your loved one, the AARP recommends using a crematory that does undergo public inspections and to inquire about the training of the facility s operators. Were they trained and certified by the Cremation Association of North America? (Some states require CANA certification.) Is the facility subject to internal inspection as well? Proceed with caution if the answer is no.
For your own peace of mind, ask the funeral director where the cremation will take place and if he s been to the facility. Some states require crematories to be on cemetery grounds; in others, they can be on a funeral home s premises, says Walkinshaw.

10. Green burials have me feeling blue.
In addition to home funerals, another movement in the funeral industry is burial in green, or natural, cemeteries which prohibit embalming, metal caskets and concrete burial vaults and which generally forbid traditional headstones in favor of smaller, engraved indigenous stones, trees or shrubs. While the practice is still rare, it has started catching on among the environmentally and economically conscious. There s increasing interest in it, Slocum says. It s really a return to the way we always used to do it. The purpose of a green burial is to return the body to the earth in a way that doesn t hinder decomposition.
There are about 20 green cemeteries in the U.S., but many dozens of existing cemeteries have begun to allow vaultless burial anywhere on their grounds, or have opened up separate sections of their property for green burial only, says Mark Harris, author of Grave Matters: A Journey Through the Modern Funeral Industry to a Natural Way of Burial.
In addition to being green, forgoing embalming services and selecting simple wooden caskets can save consumers thousands of dollars. At one green cemetery, Ramsey Creek Preserve in Westminster, S.C., which calls itself the first green cemetery in the country, even caskets aren t required.

 This article was posted by: Carico Insurance  (540) 772-3362 "We Care, We've Been There"


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