Home Purchase Contract Nc 2012-2025 Form

NOOOOOOO. You are talking to a military romance scammer. I received an email from the US Army that directly answers your question that is pasted below please keep reading.I believe you are the victim of a military Romance Scam whereas the person you are talking to is a foreign national posing as an American Soldier claiming to be stationed overseas on a peacekeeping mission. That's the key to the scam they always claim to be on a peacekeeping mission.Part of their scam is saying that they have no access to their money that their mission is highly dangerous.If your boyfriend girlfriend/future husband/wife is asking you to do the following or has exhibited this behavior, it is a most likely a scam:Moves to private messaging site immediately after meeting you on Facebook or SnapChat or Instagram or some dating or social media site. Often times they delete the site you met them on right after they asked you to move to a more private messaging siteProfesses love to you very quickly & seems to quote poems and song lyrics along with using their own sort of broken language, as they profess their love and devotion quickly. They also showed concern for your health and love for your family.Promises marriage as soon as he/she gets to state for leave that they asked you to pay for.They Requests money (wire transfers) and Amazon, iTune ,Verizon, etc gift cards, for medicine, religious practices, and leaves to come home, internet access, complete job assignments, help sick friend, get him out of trouble, or anything that sounds fishy.The military does provide all the soldier needs including food medical Care and transportation for leave. Trust me, I lived it, you are probably being scammed. I am just trying to show you examples that you are most likely being connned.Below is an email response I received after I sent an inquiry to the US government when I discovered I was scammed. I received this wonderful response back with lots of useful links on how to find and report your scammer. And how to learn more about Romance Scams.Right now you can also copy the picture he gave you and do a google image search and you will hopefully see the pictures of the real person he is impersonating. this doesn't always work and take some digging. if you find the real person you can direct message them and alert them that their image is being used for scamming.Good Luck to you and I'm sorry this may be happening to you. please continue reading the government response I received below it's very informative.   You have contacted an email that is monitored by the U.S. Army Criminal Investigation Command. Unfortunately, this is a common concern. We assure you there is never any reason to send money to anyone claiming to be a Soldier online. If you have only spoken with this person online, it is likely they are not a U.S. Soldier at all. If this is a suspected imposter social media profile, we urge you to report it to that platform as soon as possible. Please continue reading for more resources and answers to other frequently asked questions:  How to report an imposter Facebook profile: Caution-https://www.facebook.com/help/16... < Caution-https://www.facebook.com/help/16... >   Answers to frequently asked questions:  - Soldiers and their loved ones are not charged money so that the Soldier can go on leave.  - Soldiers are not charged money for secure communications or leave.  - Soldiers do not need permission to get married.  - Soldiers emails are in this format: john.doe.mil@mail.mil < Caution-mailto: john.doe.mil@mail.mil > anything ending in .us or .com is not an official email account.  - Soldiers have medical insurance, which pays for their medical costs when treated at civilian health care facilities worldwide – family and friends do not need to pay their medical expenses.  - Military aircraft are not used to transport Privately Owned Vehicles.  - Army financial offices are not used to help Soldiers buy or sell items of any kind.  - Soldiers deployed to Combat Zones do not need to solicit money from the public to feed or house themselves or their troops.  - Deployed Soldiers do not find large unclaimed sums of money and need your help to get that money out of the country.  Anyone who tells you one of the above-listed conditions/circumstances is true is likely posing as a Soldier and trying to steal money from you.  We would urge you to immediately cease all contact with this individual.  For more information on avoiding online scams and to report this crime, please see the following sites and articles:   This article may help clarify some of the tricks social media scammers try to use to take advantage of people: Caution-https://www.army.mil/article/61432/< Caution-https://www.army.mil/article/61432/>   CID advises vigilance against 'romance scams,' scammers impersonating Soldiers  Caution-https://www.army.mil/article/180749 < Caution-https://www.army.mil/article/180749 >   FBI Internet Crime Complaint Center: Caution-http://www.ic3.gov/default.aspx< Caution-http://www.ic3.gov/default.aspx>   U.S. Army investigators warn public against romance scams: Caution-https://www.army.mil/article/130...< Caution-https://www.army.mil/article/130...>   DOD warns troops, families to be cybercrime smart -Caution-http://www.army.mil/article/1450...< Caution-http://www.army.mil/article/1450...>   Use caution with social networking  Caution-https://www.army.mil/article/146...< Caution-https://www.army.mil/article/146...>    Please see our frequently asked questions section under scams and legal issues. Caution-http://www.army.mil/faq/ < Caution-http://www.army.mil/faq/ > or visit Caution-http://www.cid.army.mil/ < Caution-http://www.cid.army.mil/ >.  The challenge with most scams is determining if an individual is a legitimate member of the US Army. Based on the Privacy Act of 1974, we cannot provide this information. If concerned about a scam you may contact the Better Business Bureau (if it involves a solicitation for money), or local law enforcement. If you're involved in a Facebook or dating site scam, you are free to contact us direct; (571) 305-4056.   If you have a social security number, you can find information about Soldiers online at Caution-https://www.dmdc.osd.mil/appj/sc... < Caution-https://www.dmdc.osd.mil/appj/sc... > . While this is a free search, it does not help you locate a retiree, but it can tell you if the Soldier is active duty or not.  If more information is needed such as current duty station or location, you can contact the Commander Soldier's Records Data Center (SRDC) by phone or mail and they will help you locate individuals on active duty only, not retirees. There is a fee of $3.50 for businesses to use this service. The check or money order must be made out to the U.S. Treasury. It is not refundable. The address is:  Commander Soldier's Records Data Center (SRDC) 8899 East 56th Street Indianapolis, IN 46249-5301 Phone: 1-866-771-6357  In addition, it is not possible to remove social networking site profiles without legitimate proof of identity theft or a scam. If you suspect fraud on this site, take a screenshot of any advances for money or impersonations and report the account on the social networking platform immediately.  Please submit all information you have on this incident to Caution-www.ic3.gov < Caution-http://www.ic3.gov > (FBI website, Internet Criminal Complaint Center), immediately stop contact with the scammer (you are potentially providing them more information which can be used to scam you), and learn how to protect yourself against these scams at Caution-http://www.ftc.gov < Caution-http://www.ftc.gov > (Federal Trade Commission's website)

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Departments of education and school districts always have to make decisions about what to include in their curriculum.  There are a lot of life skills that people need that aren't taught in school.  The question is should those skills be taught in schools?I teach high school, so I'll talk about that.  The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically.  For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought.  In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large.  In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people.  If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge.  We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need.  Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that?  Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out.  If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability  to figure out.  It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe.  The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble.  They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?

So you wanna learn how to become a copywriter my junior friend? Well it’s very possible. In fact, there’s really no formal education you need. Some of the top-paid copywriters in the world never went to college or took a writing class!No education!No formal training!!Make lots of money!!!…..now before you start getting crazy, let me step you back into the reality of becoming a copywriter:1.) What Is Copywriting?Copywriting is essentially moving words around to sell better.Let’s say I work for a company that has a webpage which gets 1 out of 500 visitors to buy something.If I was a copywriter, I would figure out how to make 1 out of 100 of those people buy. This means 5x more sales from the SAME webpage!A good copywriter will understand how to do this with their words, and also how to re-arrange pictures and buttons to get more sales.A good copywriter is not just a writer. They are a keen studier of the human psychology behind purchase decisions!2.) Understand why people hire copywriters:Think of the huge amount of content a lot of companies have to put out.A single insurance company will have to put out all this stuff:Ads on TVAds on the internetAds on radioBrochures for B2C salesBrochures for B2B salesBrochures for every different productForms to fill outForms to fill out for various different product linesGoogle adsFacebook adsUpdate their TwitterUpdate their Facebook pageMake content for their websiteMake the content for their website about each different productMake sure their content is convertingMake sure customers understand how to signupSend customers packets explaining their policyHave scripts for their sales people to followHave scripts for their customer support people to followWrite press releasesThe list goes on and on and on and on…Allllll of these things need to get written by or looked over by a copywriter. And that’s just a single example! Some companies will rely heavily on copywriters. Some companies (like 37Signals) require ALL members of the team to be great writers before they ever start.So people will pay a copywriter good money to handle these things for them. But YOU my young friend, need to understand that to get that money, you need to keep relationships within those companies that need those services.How to Get Clients As a Freelance Copywriter:This is by far the biggest question I get. And people seem to forget one thing:Establishing yourself as a freelance copywriter is the same as building a business from the ground up.You’ve got to put in LOTS of effort in the beginning, show talent, and not expect immediate riches. There’s no free lunches here boys and girls.A lot of people get entranced by the prospect of working from their laptop from anywhere in the world as copywriter. In fact people go nuts when I post pictures like this from various locations!Since all my copywriting business is conducted from a laptop, I can take off and go work from the beach.Or if I wanted to drum up an extra $10,000 really quick …..I can just devote some of my hours to copywriting gigs.But these luxuries are the result of hard work, actual results, and existing exposure.This won’t happen overnight for most copywriters. And probably NEVER will for a lot of them. However I’ll share some of the ways I’ve personally seen people get amazing (and high paid) copywriting gigs:METHOD #1.) Becoming popular on the web as a copywriter.If you become known as a famous copywriting figure, you will build instant credibility.And if you have high credibility, you can ask for more money.So how did I build credibility for my copywriting career?Building Copywriting Credibility Step 1.) Practicing what you psignNow:I originally ran a couple of businesses starting from high school, and I first applied some copywriting techniques to the email list I had.METHOD #2.) Becoming popular in a specific nicheSo a lot of lower-end copywriters will insist “I can write everything!” But in reality they should niche down when they start. For example, if you worked for a big health company and did a lot of writing for them, you should call yourself a copywriter that specializes in the health space.This will make it easier to gain credibility in a specific area.You probably wouldn’t super-trust the guy who mows your lawn for financial advice…..however you REALLY might take his advice on how to hedge bushes and get a clean line on the edge of a lawn.He has very specific advice, and lots of experience practicing what he’s talking about.Instead of being “just a copywriter” ….it would be better if you were “A female copywriter who specializes in talking to 1st time expecting mothers.”It would be best to hang out and network in places where people are selling stuff to 1st time expectant mothers. If someone need a copywriter, and you have experience in EXACTLY their niche…..guess who has a high chance of getting the gig??My personal niche started out with smaller companies and daily deals. Then moved into medium sized businesses.However if someone approached me to write for 1st time expectant mothers, I could DO It……but I don’t have experience and can’t exactly relate to the struggles of that demographic. So I try to stick to my area of expertise so I can deliver the maximum results.METHOD #3.) Becoming popular for big companiesTHIS method can apply to certain people, and be quite lucrative.Let’s say you worked for a big company in the marketing department and you were exposed to how a big marketing department tests & releases products.If you were to build a nice little network in the same industry, and then become a consultant with a VERY SPECIFIC expertise, then you get some other big companies to fork over A LOT of money.Smaller freelance gigs can pay a few hundred dollars. But a huge corporation who is a doing an 8+ month rollout of $100,000,000+ product will pay you some phat-ass cash to ensure they do it right.Now I personally probably couldn’t get one of these gigs because I’ve never worked inside a huge company. That means I lose major credibility because I’ve never walked the walk.But if you do have some very niche experience within a big corporation and had a few big wins, you might be able to become a very highly-sought-after consultant.The cool part is you only need a few good contacts for this.I know someone who wrote an oil-management program in the 70’s that’s still used today. Till this day he gets sweet-ass gigs from multiple companies JUST to be around if anyone needs help implementing it.Since the projects he consults for are $2billion+ …..the companies don’t mind shelling out major cash just to keep him around.Boring? Yes.Sweet cash flow? Yes.This is one of the benefits of working with a big company:You know how to implement projects within a large company. That is actually a rare skill.METHOD #4.) Get small-time gigs.Now there are some other ways to get copywriting gigs, but I’ve never seen anyone who consistently made big money doing these things alone, so I’ll just list them quickly:Posting on Fiverr for copywriting gigs.You’ll definitely get some leads this way, but your clients will usually be bargain-hunters and not HUGE jobs.Posting on Craigslist as a copywriter for hire. This will generally result in corporate copywriter jobs that are relatively low-paying ($35,000 – $45,000).Posting on UpWork as a copywriter for hire. This will get you small to medium gigs. It’s not my favorite wayMETHOD #5.) Post in Facebook Groups where people can use copywriting services.I think this one is the easiest. Just go to groups like The Cult of Copy Job Board that you are offering your services for a one-time low price of $xxxxx and that you’re for hire.A lot of times people will bite.People also constantly post gigs there such as:Not all the gigs will be good, but some will.In the beginning you will have to scrape together gigs, but if you start putting all your work inside a simple portfolio, you can gain some steam. Which brings me to :Make a Simple Copywriting Portfolio!Ok, listen to me carefully young buck:You DO NOT NEED a fancy website. In fact, I’ve never never ever seen someone get a copywriting gig directly from their portfolio. EVER!!The reason is: people are looking to hire you based on your skills at copywriting. Not “how fancy your website looks.” This is a common mistake. Look how crappy my copywriting consults page is. That page generates huge returns even though it sucks super bad. The desire to buy is created from previous exposure to me, NOT the way the page looks.People will spend months and lots of money and time on a fancy website, only to realize NO ONE IS COMING TO IT. The only people going there are the people they meet directly and tell to go there.The best type of copywriting portfolio is a simple page with the following elements:Your name.Your expertise (Social Media? Landing Pages? A/B Testing?).A few examples of your work.How they can book a session with you.I know it sounds counterintuitive, but some of the best copywriting pages I’ve EVER SEEN are super simple one’s like this:See how simple that is?It also only leaves them ONE option of what to do next, and that’s to book a session with you.These sessions should generally be a minimum of $100.If a client is not willing to pay at least $100 for a consultation session where you point out everything wrong with their page, they are NOT going to buy anyways.My minimum consultation session is $597 now. And I’ve learned the hard way that if people are not willing to pay it, they are not going to be willing to pay you more (or they just simply can’t afford it).Oddly enough, the more I charge for each hour session, the more respect and compliance I get from the client! They want to make SURE they get their money out of that session , so they ensure they show up on time and show up prepared.I would personally avoid doing free sessions. Because what generally happens is:1.) Everyone gets excited about working together.2.) You setup a meeting with this “prospective client”.3.) You prepare for the meeting and draw up a proposal.4.) You talk with the client and tell them what you’re going to do for them.5.) They tell you “let’s talk again soon after I run this by my boss.”6.) You never talk again…..and all that time was wasted.7.) You become sad and poor :-(To get people taking you seriously, you need to charge them for your time. If they decide to go for a full contract with you, then you can comp them the hour long session. However if they don’t go with you, at least you still get paid.Charging people for your time is a sure-fire way to get them to value your services.Every single successful freelance copywriter I know ALWAYS charges for their time.Some Copywriting Books for you to read:I’ve read a helluva lot of copywriting books, and these are the one’s I recommend you read to get off to a great start:BOOK 1.) Read The Gary Halbert Letters (Free) Start by reading “The Boron Letters”. Make sure you print each chapter out for maximum effect!Ch 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25You can also buy The Boron Letters directly from Amazon.BOOK 2.) If you want a book that sits on your desk and can re-cap this kourse quickly, then grab my book called “This Book Will Teach You How To Write Better” from Amazon.BOOK 3.) Read Advertising Secrets of the Written Word by Joseph Sugarman. This book usually costs in the $30 range, but is one of my go-to books for ideas on how to position copy. Almost every successful kopywriter will know this book.BOOK 4.) Also, check out Ogilvy on Advertising by David Ogilvy (great for traditional advertising advice as well)Your Next Steps To Becoming A Copywriter:I showed above in this post some good things to do first:Read the copywriting books I recommended above.Making a simple copywriting portfolio.Put yourself out there.Well my young friend, I hope this answers your question!-N

My Stock Market Journey :( Caution: Very Long Answer )I started my journey in 1977.That is 40 years ago. The young of today can not imagine about India of that time.Well, to put things in perspective:Forget about Internet or Mobile phones. Even a simple telephone was a luxury which even middle class could not afford. And waiting time for a phone was about 2 years to 5 years depending on your money and social clout.Doordarshan ( TV in India ) was available only to people in Delhi and that too in grainy black and white.All communication had to be essentially done through India Post. Courier services did not exist and those few which did were not legal.For faster communication, there were telegrams which were priced above the paying capacity of a common man.How stock markets functioned in those times would be like a story to today’s young generation.So I thought to share my journey.How it began ? :In July 1977, the results were out and I had completed my Engineering Degree. It was a different scenario from the present times. Engineering Colleges were far and few and so were engineers. But unfortunately jobs were also few.Government was the prominent employer specially for civil engineers. So daily activity was to look for employment pages / advertisements for suitable jobs. After finding such advertisement, next step used to get one application typed and send it to the address given with the requisite fee of about Rs. 8 ( For most Government jobs ) through a Postal Order.Ever heard of a Postal Order in the present times of NEFT and mobile money transfers. ( I believe these are still available at Post Offices )Finding a job being the only work at hand, there was lot of free time. Sports page got some attention cricket being the national pastime even in those days.The page before the sports page usually was the Stock Market page in most of the newspapers. It used to be full of prices of various stocks in different stock exchanges. My regular newspaper carried rates from Bombay Stock Exchange, Delhi Stock Exchange and Calcutta Stock Exchange.There was no Google and no internet. How to make sense out of lot of numbers and names splashed on the page everyday?I pledged to myself that I will surely crack the code and this page has to make sense for me.From then on, the quest is on.Forty years have gone by and like I have stated in my credentials— Studying the Stock markets since 1977. The study is not yet complete. I believe I will always remain a student and that is perhaps the right thing.Markets and trading are always evolving with passage of time and one has to keep on learning.1977- 1985 :I saw a big advertisement for a public issue of shares of Hawkins. Nowadays, the public issues are called IPOs ( Initial Public Offer ). What is in a name?From this ad I got the name and address of broker and wrote a letter to send me the Prospectus and Application form.After about 5 days, I got a mailer from the broker with the things requested for. I read each and every word. I was impressed with the document.The interesting fact which I noted was:Salary of Chairman ( Mr. H D Vasudeva , I am narrating the name from memory— If incorrect, please feel free to ignore or correct me ) was fixed at Rs. 10000 per month and approval of Government was taken for this salary.Such salary being almost equal to salary of President of India needed special permission.I do not recall the issue price but it was at some premium on the face value of Rs. 10. I applied for 50 shares, filled up the form, got a bank draft for the money and sent it by registered post to the broker at Delhi.And hoped to get the allotment.The issue was oversubscribed many times and i got the refund cheque after about two months.The search for job continued. I joined IIT Delhi for post graduation course and to be at Delhi.Over next year, stock market took a back seat but since the broker were sending me mailers regularly , reading company prospectus became a serious hobby with me.I knew all I could about Memorandum of Association, Article of Association, Rules for remunerations of Directors in a company, declaration of interest of a director in the company, Authorized Capital, Paid Up Capital, Offer for Sale , Dividends, Book Closing and all the jargon through this reading.In August 1978, landed in my first job and left IIT, Delhi to work professionally.I think sometime in 1979, I got my first shares alloted.50 Shares of Narendra Explosives Limited. ( Did anybody ever hear of the company ? ). I was jumping with joy. Company made explosives. There was going to be a boom in construction activity in the country and explosives are needed for constructing tunnels and excavating rock.Another public issue came up and I got 50 more shares of — hold your breath— Karnataka Explosives Limited.I had no intent to be an explosive specialist, it is just that I got allotted the stocks which probably nobody wanted.I used to check the prices everyday only to find them below Rs. 10 and there was no option but to keep waiting.Well, I got one more public issue allottment — 100 shares of Punjab Ceramics Limited. ( Phew..)I could sell Karnataka Explosives for Rs. 14 in 1981, Narendra Explosives for Rs. 21 in 1985 and Punjab Ceramics are still with me as worthless as ever.I have never applied for an IPO since Punjab Ceramics.1985–1995:After a few years in South India and then Madhya Pradesh, I was back to Delhi. By this time, equity culture was picking up. There were even daily tabloids about the stock market.The most talked about stocks of that time were Reliance, Orkay Silk Mills and Oswal Agro.I made my first purchase in secondary market in Gwalior Rayon shares.Ended up being profitable in two weeks and sold it without taking delivery of shares.Wondering what is delivery of shares?:It is in fact delivery of share certificates along ith a transfer deed with share transfer stamps affixed on that.This is a share certificate representing 50 shares of Tata Steel.And this is a transfer deed:( Addresses blanked out for protecting privacy )How different from the present Click and Buy/Sell.By year 1991, I had started trading. Intra day was not possible because it was a shout and buy/sell market. We used to place the trade with a broker, got confirmation in the afternoon and contract note by evening. There was a two week settlement time to either pay or close the transaction by paying the difference.In 1992, lost some good money because of investing at a time when the Harshad Mehta scam was unraveling.These images are from 1995.Gave up trading from 1995 to 2000.Tech Boom and Trading Terminals:Internet made its foray into India from 1996 onwards. I was at Ambala in Haryana when internet services commenced there in 1998.It was a new world and a new addiction. I browsed at Rs. 80 per hour and learnt whatever was possible with my very limited computer skills.Got introduced to a Trading Terminal provided by a broker at Ambala.Everyone used to trade in tech stocks. I was the only one trading in Tata steel or Appolo Tyres or HDFC. Everybody else was into Rolta, Pentamedia, Wipro, Infosys etc. No one shorted a stock except yours truly. I was the only one operating with a stop loss. Rest were all high on adrenaline and were making big profits and bigger losses. I continued with my small profits and small losses.I learnt a lot about trader behaviour in this period. It was very easy to make profits and losses. It could easily become an addiction.Fate intervened. I got into a new job and did not do any trading for next three years.From 2003 to 2017— Trading Online:Opened an icicidirect account in 2003.Started online trading.Learnt from my failures and successes. Never traded more than one or two stocks at a time.Learnt options trading in year 2007 and a new world of opportunities opened up.Read many books, information on internet, European options, American Options , option theories and came to conclusion that only thing that works is just plain common sense and loss management.Everything else is just a theory.All the complicated theories are just an excuse to hide behind when we fail. It looks nice to say because something very complicated occurred, I had to take a loss. Whereas the fact is that we are responsible for every loss. It happens due to simple fact that trade went wrong. Bigger loss happens when the money management goes wrong. That is something to be avoided.Conclusion:Summation of my stock market journey:Markets are forever. There should be no compulsion to trade everyday.Long term investment works out better than day trades.Positional trades work out better than day trades.Taking care of losses is essential.Patience pays.Markets are simple. Experts make it complicated so that their expertise gets higher value.No formula or theory is a mathematical fact .They are based on empirical data which is based on human behaviour. Any such formula will give different results in different situations. For adverse results , money management is the only protection.I have enjoyed the journey thus far and keep on enjoying further.Now I have many Quora friends to make this journey more rewarding by sharing my thoughts.Thanks for reading this very long answer.

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