DejaOffice CRM App Maximizes Outlook on your Galaxy Note 10 and Note 10+ Phone

A Smart Business Person uses DejaOffice PC CRM

DejaOffice PC CRM – Keep your data securely out of the cloud even while you fly!

DejaOffice Month View on Galaxy Note 10 Plus

DejaOffice Month View on Galaxy Note 10 Plus

DejaOffice Contacts on Galaxy Note 10

DejaOffice Contacts on Galaxy Note 10

DejaOffice CRM for Android with Outlook Sync using CompanionLink

DejaOffice CRM for Android with Outlook Sync using CompanionLink

Mobile and PC CRM App features offline mode for Android, iPhone and Windows based platforms.

PORTLAND, OR, US, August 22, 2019 / — CompanionLink Software has launched DejaOffice CRM App with PC Sync for Galaxy Note 10 and Note 10+ phones. Owners of the Samsung Flagship phone can download DejaOffice free from the Google Play store. DejaOffice features Contacts, Calendar, Tasks and Notes, just like Microsoft Outlook, and can also synchronize Category Colors for Calendar items, a key feature of Microsoft Outlook.

“The display size on the Note 10 Plus is a real winner,” says Wayland Bruns, CTO at DejaOffice. “With the DejaOffice App, you can see your Week View and Month view very easily. DejaOffice features persistent alarms, so you will not miss a meeting if you leave your phone on your desk for a moment. The real kicker is the live Widgets in DejaOffice. The Contact widget sits on the Galaxy Note 10 home screen, and gives you a live scroll of all of your contacts, without needing to open any App. With one tap you can dial, map or make notes for any contact.”

DejaOffice CRM App is available for Android OS, iOS and Windows PC. It is the only CRM that features offline mode on all three platforms. The CRM Industry leader has limited offline mode in its mobile apps requiring a fast broadband connection for most features to be active. Another leading CRM has local storage for Android and iPhone but lacks a native Windows PC App. Cloud based CRM apps lack offline mode. DejaOffice use local data store on Android, iPhone and PC. This allows it to have encrypted databases, and private data, that would be impossible for a cloud based solution. DejaOffice features USB, Wi-Fi, Bluetooth and DejaCloud based synchronization.

DejaOffice CRM App with PC Sync is free for Android and iPhone. The PC CRM software runs on Windows 7, 8 and 10. CompanionLink pricing is one-time and not monthly, since it is not a cloud based solution. CompanionLink for Outlook offers Galaxy Note 10 Sync with Outlook Calendar, Contacts and Tasks for $49.95 one-time price.

DejaOffice PC CRM Standalone is free for personal use, and DejaCloud sync is free if you have 500 records or less. For Business use DejaOffice is $49.95 for a one-time purchase. The Outlook Add-In is $99.95, and a CRM Express version for $129.95 adds Deals tracking. A five-user version is launch priced at $199.95 ($39.99 per user – perpetual license). You can also purchase One-Time setup with data transfer from your past CRM system, and get white-glove service by purchasing Premium Technical support.

About DejaOffice
DejaOffice is created by CompanionLink® Software, Inc. a pioneering developer of data sync solutions for mobile phones. CompanionLink has released DejaOffice® CRM for Android™, iPhone®, iPad®, and Windows®. CompanionLink also white-labels their software, supporting branded PC and Mobile Apps that synchronize Calendar, Contacts, and Tasks from Outlook to Web. Founded in 1987 CompanionLink has helped mobilize information across devices, computers, applications, and web-based services. For more information, please visit and
CompanionLink, DejaOffice and DejaCloud are registered trademarks of CompanionLink Software, Inc. Other product names are trademarks or registered trademarks of their respective owners

Wayland Bruns
CompanionLink Software, Inc.
email us here
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DejaOffice PC CRM Overview – Replace Outlook and Palm Desktop with a full Contact Manager for your Windows PC

Source: EIN Presswire

Seniors Can Protect Their Social Security Monthly Income with a Life Settlement

Harbor Life Settlements can help seniors add to their financial resources so that their monthly Social Security income expenses.

AUSTIN, TX, USA, August 22, 2019 / — Seniors Can Protect Their Social Security Monthly Income with a Life Settlement

Harbor Life Settlements can help seniors add to their financial resources so that their monthly Social Security income can continue to be used for day-to-day expenses.

The Need for an Additional Cash Resource in Retirement
Even when seniors have carefully saved money for a rainy day, unexpected expenses can crop up. Even expenses that were planned for, can be more costly than anticipated. It's important to take steps to support retirement income; to ensure that day-to-day and additional financial responsibilities can be met. Even with Social Security Cost of Living Adjustments, there will likely be a need to protect fixed retirement income and accumulated savings. What's needed is another cash resource that seniors can access to pay for long-term care and other expenses. This additional source of cash can take the pressure off their Social Security and other monthly income, so those sources can continue to be used for everyday expenses. Finding an additional cash resource can be difficult – that's where a life settlement can help.

Learn What a Life Insurance Policy is Worth in Cash
Harbor Life Settlements wants every senior to know what his or her life insurance policy is worth in cash. Harbor Life can help people sell their life insurance policies for a one-time cash payment. This payment can be potentially up to 70% of the policy death benefit. This cash payment can make a substantial difference in seniors’ lives; it can help free them from financial worries and allow them to keep or improve their present standard of living.

If seniors want to know more about how to get a valuation of their life insurance policy, there are a few simple steps to follow. Once this process is complete, policyholders can get a cash offer in just a few weeks. Harbor Life Settlements can usually get the offer to policy owners more quickly than if the owners pursued the issue on their own.

Here's how it works:
A senior requests a policy valuation. Harbor Life first establishes the senior's eligibility. Usually to qualify for a life settlement, an individual needs to be at least 70 years old and have a policy that is worth at least $50,000. Then Harbor Life collects information on the type of policy, plus a review of the owner's health status. Harbor Life reviews all of this information and then if everything is in order, it underwrites the policy.

This next phase of the process offers a lot of benefits for the policyholder. Harbor Life Settlements will present the policy to brokers, who will then take it to providers. The providers are the ones who will make cash offers for the policy. If a policyholder were to try to get cash offers on his/her own, it would take considerably longer, and it would not be certain that a viable cash offer would be received. Harbor Life works with specific partner brokers who shop the policy to as many providers as possible, which drives the price of the policy up, giving the senior more money.

Another great benefit that Harbor Life Settlements offers is a big time saver – there's no need for an individual to sift through a variety of offers, looking for the best one. It's Harbor Life's job to review the offers and present the most competitive one to the policyholder.

The entire life settlement process can take months if pursued on one’s own, or with other life settlement companies. Harbor Life Settlements' extensive industry experience can help seniors receive a competitive cash offer for their policies in as little as a few weeks. This expediency can be a life changer; as mounting long-term care bills and other expenses in retirement can put pressure on seniors' fixed monthly income.

Seniors Can Receive a Free Valuation of Their Life Insurance Policy
Harbor Life Settlements encourages all seniors to learn the value of their life insurance policy in cash. There's no obligation to sell. Harbor Life will provide a free valuation, so seniors can see what their policy is worth. Some seniors decide to get the valuation, and keep the information in mind, should they wish to sell at a later date. Others decide to go ahead and sell now, allowing them to relieve the stress that comes with high life insurance premiums and the strain that those can put on already thinly stretched Social Security and other monthly income.

For more information on Harbor Life Settlements' free life insurance policy valuation, please contact:

Contact Harbor Life
Jessi Grogan
(800) 694-0006
+1 (800) 694-0006

About Harbor Life
Harbor Life Settlements has over 30 years of experience in the industry, gaining them a reputation as a trusted source for those looking to sell their insurance policy for cash. Their qualified agents understand the complexities of the industry and are ready to consult with policyholders about any questions they may have. Visit their website for a free estimate or to learn more about the various services they provide, including life insurance policy valuations, viatical settlements, and life settlements.

Jessi Grogan
Harbor Life Settlements
+1 800-694-0006
email us here

Source: EIN Presswire

The SafeCare Group Launches AI Software to Improve Medication Safety

Improve Medication Safety

Improve Medication Safety

SafeCare Applied Intelligence

SafeCare AI – Intelligent Healthcare

Artificial intelligence software offering predictive insights to aid proactive real-time decision support and target opportunities to improve medication safety”

— Yisrael Safeek, MD, MBA, CEO and Chairman, The SafeCare Group

LEXINGTON, KENTUCKY, USA, August 22, 2019 / — The SafeCare Group® has launched the SafeCare AI™ Suite, a comprehensive Artificial Intelligence (AI) software suite to aid proactive real-time decision support and target opportunities of care to improve medication safety.

“Medication-related reactions account for up to 106,000 deaths in the United States annually,” stated Yisrael Safeek, MD, MBA, CEO and Chairman, The SafeCare Group. “In a review from 2007, adverse drug reactions were found to occur in 6.1 percent of all hospitalizations. Of these, 46 percent were preventable. The national cost of preventable in-hospital events alone has been estimated to be more than $US 2 billion annually.”

SafeCare AI software is able to extract and process valuable insight from EMR data in real-time, close to the data source, to transform it into knowledge to support instantaneous decision-making while improving medication safety.

Dr. Safeek stated, “The SafeCare Group invested heavily into AI to realize game-changing clinical, operational, and financial opportunities for hospitals. With SafeCare AI software suite, hospitals can admit patients, identify in real-time patients at risk, and initiate treatment interventions with proactive real-time decision support throughout the stay. SafeCare AI Suite allows hospitals to focus on outcomes, not administrative duties, while reducing cost.”

Leveraging machine learning and deep-learning capabilities, SafeCare AI Suite fosters a new generation of AI applications, which are able to sense, reason, act and adapt, to address a range of healthcare challenges in areas such readmissions, medical errors, infections, cost, and outpatient utilization.

There are SafeCare AI applications to:
• Reduce Redundant Care
• Cut Avoidable Readmissions
• Lower Hospital Charges
• Reduce Inpatient Mortality
• Prevent Hospital Infections
• Predict Sepsis Progression
• Improve Medication Safety

SafeCare AI Suite can be purchased as a standalone software platform or together with other software applications that can help hospital rankings.

About The SafeCare Group®
The SafeCare Group® was founded in 2010 and its motto is “Innovating, Disrupting, Transforming” healthcare. Since 2016, The SafeCare Group invested heavily into Artificial Intelligence (AI) software known as SafeCare AI to realize game-changing clinical, operational, and financial opportunities for hospitals. Since 2014, SafeCareSoft® SaaS solutions enable hospitals to take advantage of disruptive healthcare software known as Softwaring Healthcare Excellence® that optimize hospital ratings and regulatory accreditation. Since 2013, The SafeCare Group has provided the 100 SafeCare Hospitals® rankings. For more information about The SafeCare Group, visit

Sarju Bharucha, JD
The SafeCare Group
email us here
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Intelligent Healthcare – SafeCare AI Improve Medication Safety

Source: EIN Presswire

Bancassurance Market 2019 Global Share, Trends, Segmentation, Analysis and Forecast to 2025

Wiseguyreports.Com Publish New Market Research Report On -“Bancassurance Market – Global Analysis, Size, Share, Trends, Growth and Forecast 2019 – 2025”

PUNE, INDIA, August 22, 2019 / —

Bancassurance Market 2019

A recent report on WiseGuy Reports (WGR) has provided a brief overview of the industry with an insightful explanation. This overview mentions the definition of the product/service along with several applications of such a product or service in different end-user industries. It also includes the analysis of the production and management technology employed for the same. The report on global Bancassurance market has given an in-depth study in some new and prominent industry trends, competitive analysis, and detailed regional analysis for the review period of 2019-2025.

Request Free Sample Report @

Key Players
The report also inculcated detailed profiling of numerous distinguished vendors prevalent in the global Bancassurance market. This analysis also talks about different strategies adopted by various market players to gain a competitive edge over their peers, build unique product portfolios, and expand their reach in the global market.

This report focuses on the global top players, covered
American Express
Banco Santander
BNP Paribas Cardif
Crédit Agricole
Wells Fargo

Drivers & Constraints
A comprehensive analysis of the report of the Bancassurance market is provided, which includes the global presence of crucial driver and constraints that are working in the proliferation of the Bancassurance market. The study based on constraints and drivers include gross margin, revenues, future aspects, historical growth, sales, and volume. According to these parameters, the opportunities are introduced in the Bancassurance market that would escalate the growth during the forecast period. Along with opportunities, there comes challenges, risks, and barriers that could affect the Bancassurance market during its growth period. All these parameters with this provide an in-depth understanding of the Bancassurance market.

Regional Description
The Bancassurance market report’s pivotal part also includes the regional description that provides a complete analysis of its growth at a global level. The number of critical regions for which the Bancassurance market analysis is done in North America, Latin America, Europe, Asia Pacific, and the Middle East & Africa. These are the top-grossing regions that have observed the maximum development in every aspect of technology, businesses, population, industry and more. Therefore, the result of the Bancassurance market region-wise portrays the outlook with the latest trends, opportunities, and future aspects in the given assessment period of 2024.

Method of Research
The methodology Bancassurance market is done with the help of a compilation of the market information that is explained through known parameters of Porter’s Five Force Model. The current data analysis is also performed to produce an accurate and authentic forecast of the market. The research procedure is tagged as extensive, which is categorized into steps such as namely primary and secondary researches. With the help of such analysis, the possibility of a better understanding of the market is obtained through a competitive landscape in terms of parameters of strength, opportunities, weaknesses as well as threats related to the industry. This will, hence, bring out the future aspects to the business leaders worldwide. The Bancassurance market report also focuses on various levels of analysis such as company profile, ongoing trends and production line, which comprise of a basic view on the market’s growth, drivers, restraints, challenges, and opportunities.

Complete Report Details @

Table of Contents –Analysis of Key Points
1 Bancassurance Market Overview
2 Manufacturers Profiles
3 Global Bancassurance Market Competition, by Players
4 Global Bancassurance Market Size by Regions
5 North America Bancassurance Revenue by Countries
6 Europe Bancassurance Revenue by Countries
7 Asia-Pacific Bancassurance Revenue by Countries
8 South America Bancassurance Revenue by Countries
9 Middle East and Africa Revenue Bancassurance by Countries
10 Global Bancassurance Market Segment by Type
11 Global Bancassurance Market Segment by Application
12 Global Bancassurance Market Size Forecast (2018-2023)
13 Research Findings and Conclusion
14 Appendix
List of Tables and Figures

Norah Trent
646 845 9349 / +44 208 133 9349
email us here
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Source: EIN Presswire

GPB Capital Investors Attempt to Recover Losses

GPB Capital

GPB Capital

GPB Capital investors are seeing massive declines in value and fearing for the worse following a series of bad news and investigations.

PALM BEACH, FL, USA, August 21, 2019 / — GPB Capital investors continue to receive more negative news this month. With allegations of a "ponzi-like" scheme coming from a former business partner in pending Massachusetts litigation. This following reports of substantial losses for investors including some GPB funds reporting over 74% losses.

Many investors are understandably worried about losing their investment principal and they are taking action against brokers-dealers and financial advisers who sold them to GPB Capital.

Jason Haselkorn, Partner at Haselkorn & Thibaut. P.A., a national securities fraud law firm, said: "Our firm is getting many calls from investors who are fearing the worst."

Mr. Haselkorn continues, noting: "We have over 40 years of experience with investment fraud type matters, and investors seem to be particularly concerned regarding GPB Capital funds.”

One explanation for that concern might be the significant and widespread dispersion of GPB Capital sales all over the country.

With over 60 broker-dealer firms earning commissions for having sold GPB investments to clients all over the country, it is no surprise in recent months that we have received calls from investors who have asked us to begin investigating a number of potential claims involving some of those firms, including, but not limited to: Hightower Securities, Royal Alliance, FCS Securities, Woodbury, Madison Avenue Securities, Dawson James Securities, and 60 other brokers.

GPB investors have limited time to submit their claims for recovery of investment losses. Investors who want to recover their losses or consider options can get a free case and portfolio overview by calling 1-888-628-5590.

Attractive investment income may not have always been accurately represented to some investors in GPB Capital funds. Also surprising to many investors are the extremely high commission rates paid to the financial advisoers and broker-dealer firms that recommended and approved the transactions. According to Investment News, financial advisers received more than $100 million in commissions!

At least some of the negative news began last July, as litigation in New York was pending between GPB Capital and a former partner and the allegations in that case raised some concerns for investors. Other issues raising further concerns for many investors include:

• GPB has delayed filing audited financial statements;

• August 2018: GPB announced that no new investor capital would be accepted;

• November 2018: the GPB auditor, based on perceived risk issues, resigned; and

• December 2018: FINRA and SEC launched independent investigations into GPB.

• February 2019: the FBI invaded the GPB offices.

The sole purpose of this release is to investigate the way in which GPB Capital funds were approved for sale by any broker-dealers to investor clients. If you have any knowledge or experience with these matters, please contact Haselkorn & Thibaut, P.A. at 1-888-628-5590, or visit the law firm's website at

About Haselkorn & Thibaut

Haselkorn & Thibaut is a national law firm that specializes in investment fraud matters and FINRA arbitrations. They represent both individual and institutional investors to aggressively recover investment losses for victims of investment fraud.

Jason Haselkorn
Haselkorn & Thibaut, P.A.
+1 888-628-5590
email us here

GPB Capital – Investor Alert

Source: EIN Presswire to Debut EaslerLMS E-Commerce Platform at the 2019 SAPAA Conference in Philadelphia

Easler Learning Management System

Easler Learning Management System, announced today that it will debut its new online platform at the 2019 Annual SAPAA Conference taking place from September 16-19, 2019.

Our platform aims to be a centralized host of quality, up-to-date content that can be shared by industry professionals including program administrators and third party administrators.”

— Andrew Easler

ORLANDO, FLORIDA, UNITED STATES, August 21, 2019 / —, the leader in drug and alcohol testing training and education announced today that it will debut its new online platform at the 2019 Annual SAPAA (Substance Abuse Program Administrators Association) Conference taking place from September 16-19, 2019 at the DoubleTree by Hilton Hotel Philadelphia Center City, 237 S. Broad St., Philadelphia, PA 19107. The platform hosts unique, industry-specific training programs designed for industry leaders and stakeholders.

Andrew Easler, a career educator and co-founder of summarizes the motivation for the new platform, “the laws regarding training in the drug and alcohol testing industry provide for very little oversight. Even though the bar for minimum training standards is often set fairly low, there are still too many in-person and online training programs out there that consistently miss the mark. I have trained individuals who have been working in the industry and taking recurrent training consistently for decades–individuals who should, by their experience, be industry gurus–and have been amazed to find that they were never taught critical aspects of a procedure in any of their courses. They have been collecting specimens, conducting breath tests, or making reasonable suspicion determinations incorrectly sometimes for decades and no one along the way corrected them in training. I see a serious issue with that. Our platform aims to be a centralized host of quality, up-to-date content that can be shared by industry professionals including program administrators and third party administrators.”’s learning platform helps respected industry leaders including C-SAPA’s and other industry professionals to integrate learning solutions to their programs. In-house Designated Employer Representatives (DERs) and Drug and Alcohol Program Managers (DAPMs) have the option to easily invite users to the platform, purchase credits, manage their enrollment, monitor progress, and download certificates from one co-branded portal. Similarly, third party administrators will have the same options and the additional option to integrate an e-commerce system, allowing clients to purchase courses and earn commissions directly from their site.

Conference attendees can find at booth #33. Attendees will be able to meet with company co-founder James Timothy White and instructor Wade Douty who will be giving away prizes and answering questions about the program.

About is operated by Easler Education Inc. and provides the training and skills necessary for industry professionals including supervisors, drug and alcohol program managers, collection site personnel and drug testing entrepreneurs to make a positive and lasting impact in the struggle against substance use and abuse in the workplace. The course offering covers most aspects of a drug and alcohol-free workplace ranging from Designated Employer Representative (DER) courses and Supervisor Reasonable Suspicion training to DOT and Non-DOT drug and alcohol testing training.

About SAPAA:

SAPAA is a non-profit trade association whose members represent alcohol and drug testing service agents, including third-party administrators (TPAs), in-house administrators, medical review officers (MROs), DHHS Certified Laboratories, Substance Abuse Professionals (SAPs), manufacturers of testing devices, and collection sites/collectors. Our membership includes representation from all 50 states and Canada in all of the above professions. SAPAA is committed to providing members with up-to-date information concerning regulatory changes, state issues, industry trends, and member discounts on training courses and conferences.

James Timotny White
+1 888-390-5574
email us here
Visit us on social media:

Source: EIN Presswire

Network Monitoring Market Global Industry Analysis, Size, Share, Growth, Trends and Forecast 2019-2026 adds “Global Network Monitoring Market Size study, Bandwidth, Technology, End-user Industry and Forecasts 2019-2026” reports to its database.

PUNE, MAHARASHTRA, INDIA, August 21, 2019 / — Global network monitoring market is valued approximately USD 1.80 Billion in 2018 and is anticipated to grow with a healthy growth rate of more than 9.90 % over the forecast period 2019-2026. Network monitoring solutions helps to assist in managing and monitoring the flow of traffic and examining it for any abnormalities that can affect the network availability, performance and security. Further, advancement in technology has led to an enhanced adoption of connected devices, voice over internet Protocol (VOIP) and cloud due to which the traffic on the network has increased tremendously, slowing down the overall network functioning speed. As a result, the need for network monitoring is observed thereby, contributing towards the growth of the market. However, availability of free network traffic tools such as Cacti and Nagios Core impedes the growth of the market over the forecast period.

Request Free Sample Report @

The regional analysis of global network monitoring market is considered for the key regions such as Asia Pacific, North America, Europe, Latin America and Rest of the World. North America is the leading/significant region across the world in terms of market share owing to the rising adoption of new data center technologies and increasing IT capacity requirements. Whereas, Asia-Pacific is also anticipated to exhibit highest growth rate / CAGR over the forecast period 2019-2026. Factors such as increasing penetration of internet and growing number of small and medium-sized enterprises are contributing towards the growth of the Asia-Pacific.

Market player included in this report are:
Garland Technology
Juniper Networks, Inc.
Big Switch Networks

The objective of the study is to define market sizes of different segments & countries in recent years and to forecast the values to the coming eight years. The report is designed to incorporate both qualitative and quantitative aspects of the industry within each of the regions and countries involved in the study. Furthermore, the report also caters the detailed information about the crucial aspects such as driving factors & challenges which will define the future growth of the market. Additionally, the report shall also incorporate available opportunities in micro markets for stakeholders to invest along with the detailed analysis of competitive landscape and product offerings of key players. The detailed segments and sub-segment of the market are explained below:

By Offering:
Network Tap
Data Monitoring Switch

By Bandwidth:
1 & 10 Gbps
40 Gbps
100 Gbps

By Technology:
Fiber Optic

By End-user Industry:
Telecommunications Industry
Government Organizations
Cloud Service Providers

Furthermore, years considered for the study are as follows:

Historical year – 2016, 2017
Base year – 2018
Forecast period – 2019 to 2026

Target Audience of the Global Network Monitoring Market in Market Study:

Key Consulting Companies & Advisors
Large, medium-sized, and small enterprises
Venture capitalists
Value-Added Resellers (VARs)
Third-party knowledge providers
Investment bankers


For further information on this report, visit –

646-845-9349 (US), +44 208 133 9349 (UK)
email us here
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Source: EIN Presswire

Joffrey Long, Hard Money Expert Witness, Answers Questions From Yesterday’s Article – Foreclosures and Trustees Sales

Mortgage Expert Witness

Joffrey Long

Test Your Foreclosure Knowledge: Answers to 19 Questions from Yesterday's Article

If you can answer 40% of these foreclosure questions, you’re ahead of most of the people in our industry.”

— Joffrey Long

LOS ANGELES, CA, UNITED STATES, August 21, 2019 / — How did you do?

Let’s look at some answers:

Just a note: The trustees sale proceeds are reduced by the trustee’s fees and expenses, so any available funds would be slightly less than the price at the sale. To avoid confusion, “trustees sale proceeds” or the “amount paid at the sale,” in this article, refers to the net amount paid, after deduction of any trustees fees and expenses.

Trustees Sale Bidding:

Answer: In this case, the $400,000 trustees sale proceeds represents $90,000 in “excess proceeds” above the lender’s full credit bid of $310,000. From the $90,000, $60,000 would go to pay off the second trust deed, and the remaining $30,000 would go to the holder of the 3rd trust deed.

While the third trust deed receives only $30,000 of the $100,000 owed to them, the foreclosure of the first trust deed eliminates the 3rd trust deed holder’s secured interest in the property. At this point, the former third trust deed holder can only look to the borrower or to any other collateral that secures the loan for repayment.

Regarding the second part of the question, where the same property sold for $500,000 at the sale: In this case, there are $190,000 in excess sales proceeds in excess of the lender’s bid of $310,000. The first $60,000 of excess proceeds would go to pay off the second trust deed, the next $100,000 would pay off the third trust deed, and the remaining $30,000 would go to the foreclosed trustor/owner, assuming there were no other recorded liens or judgements.

Second trust Deed:

A lender holds a second trust deed and the first trust deed (or any senior lienholder) forecloses. The foreclosure eliminates the secured interest of the second trust deed holder (or other junior lienholders) in the property being foreclosed. The loan or debt is not “wiped out,” as many would say. The “only” (although significant) consequence of the foreclosure is the elimination of the second trust deed holder’s secured interest in the property. The term “wiped out,” although commonly used, may give an incorrect picture of what is occurring.

Answer: When a senior lienholder is foreclosing, junior lienholders commonly attempt to protect their interest by advancing funds to reinstate the delinquent loan and cure the foreclosure. Depending on their loan documents, they may add the amount advanced to the total debt and charge interest on the advance at the note rate. They could then begin their own foreclosure.

The method I usually use is to wait until the first (or senior) trust deed holder schedules a trustees sale. Prior to the sale, the junior lienholder determines two amounts: 1- The amount that the property would have to sell for at the trustees sale to generate enough excess proceeds to completely pay off their junior lien 2- the amount that the junior lienholder would be willing to pay to acquire the property. Then, the junior lienholder brings their own funds to the trustees sale and if the highest third party bid at the sale is not enough to generate sufficient excess proceeds to pay off the junior lienholder, the junior bids higher and either 1-drives up the bid price so that the excess proceeds pay off their loan, (example: The first is going to sale with an opening bid of $250,000, my second is $50,000, so as long as the house sells for 300,000 or more at the sale, the excess proceeds would pay off my second.) or 2-acquires the property. This strategy depends heavily on the equity in the foreclosed property, the junior lienholder’s ability to administer and manage the acquired property, and most importantly, on the amount of any competitive bidding.

If you haven’t attended a trustees sale, I recommend it. What’s surprising is that the majority of sales, from the time bidding starts to the time the winning bidder is announced, occur is less than 60 seconds.

Delinquent property tax:

Answer: Remember, that the first trust deed is only the first TRUST DEED. It is not necessarily the first lien on the property. Property taxes are a “super-lien,” meaning that they “cut ahead” in line in front of any trust deed. At the point of foreclosure of the any trust deed, none of the proceeds of the trustees sale go to pay delinquent property taxes. In answer to the second part of the question, the successful bidder does not acquire the property free of the taxes, they remain unpaid.

IRS Lien:

Answer: First, when the first trust deed forecloses, none of the proceeds of sale go to pay off the IRS, at least not directly from the sale. From the $400,000 paid at the auction, $310,000 would go to pay the first trust deed and the remaining $90,000 would go to the former trustor/owner.

However, depending on wherever else the IRS lien shows up, the owner may later have additional funds removed from their bank account or otherwise garnished/confiscated.

The IRS has a 120-day redemption period where they can “re-purchase” the property from the successful bidder. They repay the bidder the cash that the bidder paid out, plus interest for the time their money was tied up.

IRS liens, like child support liens and certain judgements, are recorded with the county recorder against the individual, not necessarily against a specific property – but create a lien against any property owned by the individual in the county where the lien is recorded. Obtaining a title search on the property alone might not show the lien, but when the “statement of information” is obtained and checked by the title company, the additional liens impact title to the property.

Excess Proceeds:

Answer: With a trustees sale at $400,000, the first $270,000 would go to pay off the existing first. The “excess proceeds” are $130,000 and would be distributed to 2nd, 3rd, and other lienholders, if any exist. Any amount beyond what other lienholders get would go to the trustor/borrower. (foreclosed property owner)

Trustees Sale:

Who conducts the trustees sale?

Answer: The trustee, obviously, right? Not exactly. Although it is the trustee that administers the trustees sale, the truth in today’s practice is that trustee companies generally don’t conduct the physical auctions themselves. They generally have the companies that publish the required notices in papers of general circulation, (called “posting and publishing companies”) handle the actual auction process. Where there are hundreds of trustee companies with foreclosure sales occurring every day, there will usually only be 4 or 5 auctioneers at any county’s trustees sale location that day. Each auctioneer is an employee of one of the posting and publishing companies and is likely announcing as many as 100 or 200 different trustees sales for different trustee companies. The majority of all scheduled sales are announced as postponed for one reason or another, so each auctioneer may be calling a significantly smaller number of actual auctions.

Deed in Lieu of Foreclosure:

Answer: Not always.

The problem with a deed in lieu of foreclosure is that when someone deeds you property, you acquire whatever interest in the property they had at the time of delivery of the deed to you. If, since the loan was made, the borrower has “picked up” a few judgements, other liens, an IRS lien, and a child-support lien, all of those are now “attached” to the property. If you accept the deed in lieu of foreclosure, you now get to start trying to remove all of those liens, which may be impossible. If instead, you finish the foreclosure of your lien, which is senior to all the subsequent items against the property, your foreclosure “cleanses” the title, returning it to you with only liens that were senior to your lien.

Another alternative I’ve used is to agree to accept the deed in lieu, subject to obtaining acceptable title insurance on the transfer. Just as when you buy property, this gives you a careful search of the title and more importantly, a policy of title insurance against any unknown items that went against the seller’s title. In accepting a deed in lieu of foreclosure, even with title insurance, it may be worth it to consider having an escrow on the transaction. Ask your accountant, but it may be helpful to have an escrow closing statement to verify the “price paid” for the property for calculation of depreciation or profit on any later resale.

Lender’s Bidding at the Trustees Sale:

Answer: The maximum amount of a lender’s opening bid at the trustees sale would be the total of principal owing, interest due, late charges, funds advanced, attorney’s fees, and other amounts that are due to the lender. Added to all this are the trustees fees.

As to the next question, why would a lender ever want to bid LESS than the total amount owed?

Answer: When the lender/creditor bids the total amount they are owed, it is referred to as a “full credit bid.” The challenge with making a “full credit bid” is that when the lender bids the full amount they are owed, since they then “received” the property by its reverting to them as beneficiary, in exchange for the amount they bid, and may be deemed to have been “paid in full.” This can be a problem if there are other sources to collect from, such as hazard insurance policies, in some cases, title insurance policies, or funds available from any guarantors.

A possible solution is to enter a “less than full credit bid.” For example, if the total amount of the loan and all charges were $310,000, a lender might open with a bid of $75,000 of the 310,000, leaving $235,000 “unpaid.” This better enables the lender to pursue the unpaid amount through any possible other sources. If there are other bidders, the lender may increase their minimum bid until the bidding increases to an amount equal to, or in excess of an amount that they are willing to accept. If the bids do not rise to an amount that the lender will accept, then the lender will acquire the property.

A lender or loan servicer may also open bidding with a less than full credit bid to encourage the likelihood of a third-party bidder buying the property at the sale. If the lender’s total loan is $600,000 and the property is only worth $550,000, and the lender opens the bidding at the full $600,000, there likely won’t be third-party bidders and the property would revert to the lender. In taking back the property and re-selling it, netting $500,000 may be difficult, considering holding/repair costs and the time / effort in marketing the property for sale. An opening bid of $500,000, or some other bid lower than the estimated market value, could result in the lender getting cashed out quickly from the loan by a purchaser at the trustees sale.

Although potentially important with all types of loans, there may be more frequent consideration of bidding less than the “full credit bid amount” when acting as a loan servicer for loans in the category of private money or hard money lending.

Expert witness testimony is sometimes required in mortgage litigation matters, regarding whether or not lenders or loan servicers acted correctly in setting their opening bids or any subsequent bids for trustees sales. For more information about full credit bids, Google the article, “Full Credit Bids, Avoiding the $475,000 Mistake.” I co-wrote the article with Attorney John Hosack of the Buchalter Law Firm. It was published by the California Mortgage Association, the California private money (hard money) lender’s trade association.

Is the Trustees Sale “As-Is?” Are You Sure?

Trustees sales were originally thought of as being “as is,” with lenders or loan servicers never being expected, under any circumstance, to provide any information about the property condition.

In a 1991 case, “Karoutas vs. HomeFed Bank,” the lender was aware of severe geological problems and didn’t inform prospective bidders at the sale. Ultimately, a ruling was handed down that when the lender is aware of a property defect that is not of public record and would not be observable by a prospective bidder, they are required to make a disclosure when conducting a trustees sale.

Hard Questions: “Foreclosure 103” Judicial Foreclosure

We can foreclose through non-judicial foreclosure (standard notice of default, notice of sale and then a trustees sale) or we can foreclose through judicial foreclosure, where you file a court action to foreclose. Non-judicial foreclosure can take as little as about four months and the direct fees of the foreclosure may be less than 2% of the amount of the loan. Judicial foreclosure is a “full-on” lawsuit and could take years and cost tens, maybe hundreds of thousands of dollars.

Question: Why would anyone do a judicial foreclosure?

Answer: The most common reason is the potential to obtain a deficiency judgement against the borrower for portions of the balance that are not satisfied by foreclosing on the property. When non-judicial foreclosure is used, a deficiency judgement against the borrower cannot be obtained.

What other reasons are there?

In judicial foreclosure, it’s possible to have the court appoint a receiver to take over the property, collect rents, and otherwise administer the collateral. The receiver gets a court order authorizing them to collect rents. At times, the mere threat of appointment of a receiver causes certain borrowers to re-instate their loans, or at least “come to the table,” and make arrangements with the lender.

Could you start both a judicial and a non-judicial foreclosure at the same time?

Answer: Yes. Both a judicial and non-judicial foreclosure can be commenced at the same time, but only one can be completed. The reason for conducting both may be, for example, to file the judicial foreclosure in order to appoint a receiver but complete the non-judicial foreclosure as quickly as possible, once the receiver is in place.
Through my work in private money lending, expert witness consultation and testimony, as a loan servicer, and through reviewing relevant mortgage litigation cases from the Superior Courts and Federal Courts, as well as related laws and regulations, I’ve been fortunate to have had access to this fascinating (to me) area of trust deeds and real estate lending.

Joffrey Long is the President of Southwest Bancorp, a hard money lender and loan servicer in Los Angeles, CA. He testifies in mortgage litigation matters as a mortgage and hard money lending expert witness. He is a member of the Board of Directors and the Education Committee of the California Mortgage Association. He holds a Level I and Level II Trustees Sale Officer Designation from the United Trustees Association. He’s also the originator and sponsor of the Phillip M. Adleson Education Award, for excellence in mortgage education. He can be reached at or at

This article is for general purposes only. No action, decision, or opinion should be in any way based on any of its content. Nothing in this article should be considered a standard of care or a standard for reasonable or accepted practices.

Joffrey Long
Southwest Bancorp
email us here

Source: EIN Presswire

79 Year Old Inventor Takes on Home Security Systems Claims of "Help Coming"

How to be secure when opening a door to see who's there>

What a “security” chain is supposed to do – but doesn’t.

The Door is squeezed tightly against its stops.

The LineBacker Door Restraint cannot be breached!

No Reputable "Security" Company will Guarantee a Response Time For Effective Help Arriving!

The time required to do violence and mayhem is very short! Unfortunately – much shorter than any helpful rescue response!”

— Lee Ferguson

SEATTLE, WASHINGTON, USA, August 20, 2019 / — 79 year old inventor takes on Home Security Systems Claims Of "Help Coming".

“System Protocols” delay potential life saving response!

“False assurances of safety abound in the “Home Security Systems” industry says Lee Ferguson, inventor and president of LineBacker Security Hardware Company in Union,Washington. It's the “System” that's mostly at fault for misleading consumers to believe they are safe from harm. Consider what nearly all “Alarm System” protocols require: First, When an alarm goes off, a phone call is made to the homeowner to confirm an emergency is occurring. Next, a call goes out to whomever is in charge of responding. If it's the police, they have to determine if the emergency is real or a false alarm, and if an armed response is needed. If the emergency is real, they have to mobilize the response. This all takes valuable time. Time in which robbery, assault, or even murder can occur.” THIS IS NOT REAL SECURITY!

“The only 'Prevention Value' electronic security systems offer is the lawn sign letting potential intruders know a “System” is installed. Once a bad guy decides to enter a home, only hardware can prevent him doing so! Of course, if an alarm notifies you someone has entered your home it is too late to 'prevent' his entry. That means the homeowner or his family is on its own for dealing with a potential deadly situation. The idea that cameras, noisy alarms, or notifications to a “ Security” firm can prevent violence doesn't take into account the facts. Which are: bad people with bad intent have figured out the “Systems” and are not always deterred by them. Bad actors know that they can cover their faces, disable noisy alarms in seconds, and that police have de-prioritized their response to Home Alarms! The facts are; No Security company will give you a guarantee how soon effective help will arrive. THEY CAN"T!"

"The time required to do violence and mayhem is very short! Unfortunately, much shorter than any helpful response. As in all occasions of violence, 'Prevention is Far Superior to Response'. All a camera can do is record scenes that may be heartbreaking to watch. They cannot prevent what they record! If noise were a deterrent, no one would break a window or kick in a door."

That is the logic behind Mr. Ferguson's claim that SECURITY HARDWARE should be the first line of defense and prevention. He is the inventor of “The LINEBACKER ARTICULATED DOOR RESTRAINT”, a new adaptation of the ancient door bar! A former general contractor who understands the strengths and weaknesses of doors, and door frame structure, he was the uncle of a fatal home invasion victim and friend of another. He has designed and patented the perfect solution to preventing unwanted entry through residential doors. “My LineBacker Device absolutely protects against unwanted entry through any door upon which it is installed.” By also acting as a security chain should – but does not, the door can be opened to allow for inspection of credentials, receiving parcels, allowing pet access, or simple ventilation; all while maintaining the prevention of unwanted entry! When installed on interior doors, the device can create 'SAFE ROOMS' to provide refuge from intruders.

Mr. Ferguson says The LineBacker was designed to SAVE LIVES FIRST, protect property second. Currently selling his product online at . Mr Ferguson is seeking a partnership for wider distribution of his product. He can be contacted at or by phone at 360-898-6565

Lee Ferguson
LineBacker Security Hardware, LLC
+1 360-898-6565
email us here
Visit us on social media:

This video will demonstrate why the LineBacker Door Restraint has no equal in door security hardware!

Source: EIN Presswire

How to Define Your Target Market and Why it is so Important!

Target Marketing E-Course

Entrepreneur By Design – Education is Important, Action is Essential

Wendy Fedoruk - Marketing E-Course

Wendy Fedoruk

Lead Generation E-Course

Lead Generation E-Course

Target Marketing E-Course

Target Marking E-Course

Target Marketing - 47 FREE Lead Generation Hacks

47 Free Lead Generation Hacks

The main purpose of identifying your target market is to help your company develop an efficient marketing strategy.

Wendy…You have been a huge instrument for me and my business growing to where we are today (2016). Your assistance was extremely valuable.”

— Joseph Heckel

CALGARY, ALBERTA, CANADA, August 20, 2019 / — Your target market is also known as your ideal client. They are the end-users most likely to buy your product or service. Defining the person or business that wants what you offer will put you miles ahead of your competition.

The more clearly you can define your target market the better you can understand how and where to reach them. You can start with a broad category but then you need to get very specific as to who they are and where you can find them. The reality is that although your product seems like it can reach a variety of people, trying to reach them all will not work because it's not focused enough.

With a bit of time, you can often discover exactly how you can meet your target market's needs and this is a great starting point to be able to create messages for them that will drive sales for your small business.

One of the best ways to get started is by looking at who actually makes (or influences) the buying decision. From here you can look at their needs and pain points. Figure out what they're trying to accomplish and how they can reach their goals. The key is to go way deeper than you originally thought necessary. You need to find the answers to some very specific questions so you can speak directly to your ideal client.

Your target market should also be based on research not just on your intuition. This is where a lot of small business owners go wrong. They fail to do the necessary research, or when they do make time for the research, they fail to follow-up and make the necessary changes to their key message.

“Wendy, I wanted to reach out to you to give you some feedback with regards to our coaching relationship since 2009. You have been a huge instrument for me and my business growing to where we are today (2016). Your assistance was extremely valuable. You made me aware of multiply tools that I could implement and helped my team see things from the client's point of view. You are a great business consultant and I highly recommend Entrepreneur By Design for anyone that owns a business.”

Joseph Heckel, Phoenix, Arizona Broker/Owner of Property Management Real Estate Services

Wendy Fedoruk
Entrepreneur by Design
+1 403-701-1199
email us here
Visit us on social media:

What is Entrepreneur By Design?

Source: EIN Presswire