Summarize the following:
There are several companies that will transmit your documents to the recipient’s fax machine for you. Each service has different prices for international faxes. Some companies include FaxZero, RingCentral Fax, and HelloFax.  Some may charge a fee for each fax sent. This is a good option if you rarely send faxes. These may cost between $2-5 USD for an entire document or $0.07-0.10 USD a page. Some companies will have a monthly fee, but you will be allowed to send a certain number of faxes a month. This is ideal if you need to fax to Germany often. These generally start around $8-10 USD a month. Even “free” fax companies may charge a $1-2 USD fee for international faxes. Follow the website’s instructions for sending a fax. In most cases, you will choose the file you want to send and upload it to the site. If your document is not on the computer, use a scanner to scan it in.  Some sites may allow you to upload multiple documents at once. Some services may require that you upload a PDF or .doc file. Make sure that your file is the right format before you try to send it. For most services, provide your name, email, and phone number. You may also enter in your company name if needed. Enter the recipient’s name or company in the proper boxes. Below that, enter the fax number. First put in your country’s exit code followed by Germany’s country code, the area code, and the fax number itself.  Your country’s exit code comes first. In the U.S. and Canada, the exit code is 011. In most European countries, the exit code is 00. You can find more exit codes here: http://www.howtocallabroad.com/codes.html. Next, use Germany’s country code, which is 49. After that, enter the area code for the German region. You can find a full list of area codes here: https://www.fax.asia/send-fax/germany.php. Finally, enter the recipient's fax number. This may be between 3-7 digits. Once you have entered in the number, click “next” or "send fax" to get to a payment screen. The website will calculate any international fees for sending a fax to Germany. Press the “submit,” “send,” or “confirm” button to send the fax. It may take a few minutes to send. You may receive an email confirmation once the fax was sent.

summary: Select an online fax company. Upload your document on their website. Enter your personal information into the proper boxes. Add in the recipient’s fax number. Pay with a card or online payment service. Send the fax.


Summarize the following:
A lender will pull your credit history to decide if you are a good credit risk. For this reason, you should review your credit history before applying for a loan. You can get a free credit report from each credit reporting bureau every year by visiting www.annualcreditreport.com or calling 1-877-322-8228.  Study the report for errors. For example, information might be included on your report that isn’t yours. Instead, it might belong to someone else with a close name or Social Security Number. Also, credit reports sometimes list the incorrect payment status on accounts or don’t include remedied problems, such as an account paid in full.  If you find errors, then dispute them with the credit reporting bureau whose report contains the error. It can take up to 60 days to complete the dispute process, so plan accordingly. There are two types of loans available to purchase apartment buildings. A non-recourse loan is secured with the building itself. They are available to certain buyers if the building is worth $2.5 million.  The other type is a recourse loan. With this loan, you will be personally liable on the loan. This means that if you default, the lender can come for your personal assets, such as your home. Loans can be long term (up to 30 years) or short term (five, seven, and 10 years).  Interest rates can be fixed or variable. If you pick a variable rate, then the interest rate will change as the loan matures. You’ll need to submit quite a bit of paperwork to a lender when you apply for a loan. You will probably need to submit the following, so gather it ahead of time:  property description, including year of construction and number of units pictures of the property map showing the property’s location and competitor apartment buildings plans for upgrades information on rents copies of floor plans purchase price and closing costs names of others involved in the transaction (such as attorneys, real estate brokers, and title companies) You can apply for a loan with many different lenders and the choose the one that offers the best terms. Share your supporting documentation with them and then complete the required application.  After you submit the application, a loan officer will review your application. They may reach out to you for additional information.  You’ll then receive a term sheet or letter of intent from all lenders you applied to. This document will identify all the parties, the type of security, the amount financed, and other key terms. The purpose is to make sure everyone understands the terms of the loan. You sign the letter of intent or term sheet for the most attractive loan. Submit it to the lender. You may need to pay a deposit at this point or submit supporting documents, such as an appraisal. Wait to receive the final, full loan commitment from the lender.

summary: Review your credit history. Understand commercial loans. Gather required documents. Apply for a loan.


Summarize the following:
It’s going to be hard to stay off the grid if you’re using a cell phone. Law enforcement can triangulate and track your cell signal.   It’s the built-in GPS in cell phones that makes you easy to track. Even if you don’t make a call, you can be tracked because cell phones and towers are constantly connecting with each other. You can also take the battery out of the phone. Or leave the phone somewhere if you want to throw people off. Instead of a cell phone, use pre-paid phones that you can buy cheaply at department stores or gas stations.   Give the person you want to talk to another pre-paid phone, and only talk using those phones. For now, you don’t even need an ID in most states to purchase a pre-paid phone. Use a pre-paid calling card for an extra layer of protection when using the pre-paid phone instead of dialing directly with it. If you have a credit card, you can be traced. It’s better to use credit card gift cards, and use those for purchases.   You can buy these cards, by big-name companies like Visa and American Express, in many department and even grocery stores. You just throw them away when you use up the balance. There’s no statement attached to these cards, and you don’t provide your personal details when you buy them or use them. Use cryptocurrency like bitcoin or a pre-paid card paid for in cash. Or just try to use cash more than you currently do now.   If you decide not to go that far and want to keep a bank account, do not use credit or debit cards, and do not do online banking. Be aware that banks are filled with surveillance cameras and transactions greater than $10,000 can be tracked by the government. So take out cash in small increments.
summary: Get rid of your cell phone. Use pre-paid phones. Use gift cards for purchases. Cancel any bank accounts.