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Let’s discuss 10 red flags to watch for within the first 3 months of your job. 3 months gives you ample time to find. My credentials for this answer: 20+ years in the corporate America cube farm. Fortune 500, mid-level, and start-ups. Ready…Let’s go get it.Has your job, in the first few weeks, suddenly morphed into something different from the job role on your employment contract? And, if you call management out on it, and they use silly phrases like not “being flexible”. Congratulations, you’ve found your first red flagAside: If you learn nothing else from this post, read this: “Flexible” and “Team Player” mean do more work, but not get paid for it. Learn this quickly. Because the most important thing every morning is waking up, looking in the mirror, and being able to respect yourself.If you work in a job as a “doer”, such as developer, builder of things, etc., do you find yourself booked up in many meetings? Then congratulations, you’ve discovered a red flag. “Doers” should not be in too many meetings. Because gasp…they need time to actually do stuff. If management cannot squash this early so you can do what you do best, you’ve found yourself at a mismanaged company.In the first few weeks of joining a company, do you notice lots of “cliques” and keep running into “unexpected, unspoken rules?” If so, you’ve dug up another red flag.I remember working at a company years back, doing development. In my interview, I was crystal clear…”I don’t like filling out a lot of signNowwork to push code. I just want to code, test quickly, and push it out there.” Alas, 3 weeks after getting hired, management “revealed” that every code push needs a 3 page document filled out, a web form filled out, 3 layers of approval, just to get a change in. It’s ridiculous. The more red tape, the bigger the red flag.Does your company push “social-time” off hours and unnecessary get-togethers? Do they push, and I mean push charities, social justice groups, and other hootenanny garbage? Congratulations, you’ve found another red flag. Nowhere in any standard employment contract anywhere, does it state you must be active with charity, social justice causes, and any of that other garbage. Nor should it, because none of that has one iota to do with your job and the company making money. Not one iota. So if it’s pushed on you, run for the hills.Does your company value “in-office” time more than they do accomplishments during your work hours? If so, you’ve found another archaic, and detrimental red-flag. If I get 8 hours of work done in 2 hours, then what I do after that shouldn’t matter. Because, it’s not like corporate will pay you more for additional effort. Great bosses will let you leave early and give flex time when you pump out work quickly.Do scheduled meetings always run over time, or start late, or both? Congratulations, you’ve found another red-flag. Time wasters. Also, meetings, especially corporate meetings, are notorious for posturing and politics. And if you aren't a fan of meetings like me, then this is a HUGE red flag. Meetings should have an agenda, allow no rambling, and get to the point quick. As in, who is doing what, who needs help, and when can we expect things to get done. That’s it. No more.Are you having a hard time finding a document about annual raises and bonuses? As in, you do “x” and “y”, and this is how you advance. And when you ask about it, does your manager hem and haw or avoid the subject. Congratulations, you’ve found another red flag found at 90% or more of corporate jobs.Does the majority of people at or above your level use unnecessary buzz words to describe something? As in, can you find a word from grade 5 to grade 7 on the Flesch-Kincaid reading level to replace their silly buzzword, and not only keep the meaning of what they were trying to say, but enhance it? Congratulations, you’ve found another red flag. The key to communication is simplicity and clarity. And buzzwords violate both those rules. And if we can’t have a simple conversation about “my contract” and not “annual incentive protocol”, then we have a red flag on our hands.Do the dumbest people get promoted, and the superstars get passed over or marginalized? Congratulations young padawan, you’ve uncorked another red flag. And this, like #7, happens at 90% or more of corporate companies. It’s red flag football, and you never score a touchdown.Does your new company change “direction” every 2–4 weeks? Pat yourself on the back detective, you’ve found another red flag. If management cannot figure out what to do, and they get paid large coin to do one job, then you’ve found yourself at an insane asylum. Best to pull the cord and exit stage left.Heed these 10 rules my friends, they just might save your life down the road.

Besides the obvious problems from confusion of using libertarians and prohibiting in the same sentence - the question raises an issue that could be a monstrous legal quagmire and dilemma.First both employment and insurance rely on the construct of discrimination.Employers discriminate in hiring based on qualifications to perform a specific job and other traits that might foretell employee performance. They already use a wide array of tests and indicators that while if not evaluating DNA directly are certainly attempting to measure the expression of DNA.Insurance underwriters discriminate on the basis of risk and characteristics that determine placement in a proper risk pool.Therefore, discrimination is of course a fact of life in a rational economic system.Second, if it is assumed that genetics or DNA of individuals and therefore presumably their family or ancestors will somehow be a tool to determine employment traits or insurance risk characteristics, then it raises the following questions.Can persons and/or members of their family be required to submit to DNA testing?What if one declines DNA testing for any number of reasons, perhaps religious? Can they be discriminated against simply for refusing the test?Who gets to decide the tester and that the results are verifiably accurate?Who owns the DNA test results? What are the limits of the ownership?Who or what determines the link between DNA and traits or risk and based on what provable criteria?And so forth.A more overarching question might be -If use of and belief in such genetic predisposition becomes normative and pervasive, are we entering a new era of eugenics where parents or families will attempt to engineer the genetics of their progeny for economic or other reasons?While libertarians have no monopoly on correct answers in this realm, we can put forth a few principles to guide things along.Libertarians generally agree-To prohibit coercionTo prohibit prohibitionWithin the context of those two constructs, issues generally must be decided on the basis of and respect for the principles of inalienable self-ownership.Thus as a general framework and a starting point, in regards to the use of DNA information, libertarians would only favor coerced prohibition of those acts that directly violate individual self-ownership or could reasonably be predicted would lead imminently to such violation.This precludes any generalizations about libertarian positions in advance of each issue that arises or might arise prior to their being examined in relevant context.Having said that, until proven otherwise, libertarians would generally start from the premise that one’s DNA and genetics properly belong in the category of all self-owned property over which the individual has absolute right of control.

That's a terrific formula for optimizing your landing page. It looks daunting, let me break it down for you.If you hang in until the end, I"ll show you how this formula gives you insight into marketing on the internet that very few people understand.First, I'll tell you that it's not arbitrary and not a guess. This formula was refined by http://marketingexperiments.com from over 10,000 trials. You can find lots of terrific information on their website. They're very well respected.Ok, here's how to interpret it.The formula helps you maximize the probability of getting a conversion - in other words, the likelihood that someone will take action on your page.OK, how does this translate then?The likelihood that your page will get someone to take action is a function of primarily:m = the motivation of your visitors. This is why you have to be thoughtful about your traffic sources. If your visitors don't care, you won't convert.This is why the great direct marketer Gary Halbert always said, if you have a hot dog stand and I have a hot dog stand and we're in competition with each other, the greatest advantage I can have over you is… a hungry crowd.v = the clarity of your value proposition. Once they get to your site, they have to get right away - what they can do, and why they should do it on your site instead of the 10,000 other sites they could get to easily.One more note on value proposition. Notice it's the clarity of the proposition not the cleverness. In fact, http://marketingexperiments.com has written articles on the importance of clarity and weakness of clever taglines or slogans. Here's a great one. Clarity Trumps Persuasion. I can't overstate the importance of speaking clearly.And part of the clarity is an explicit direction to take action - "Click the button below to get your download instantly" or whatever is appropriate for your site.i-f - i is the incentive and f is the friction. So there needs to be an incentive for them to act. And all the mailing lists, other offers, and images that aren't relevant are just distractions, other things to click on, that will reduce your conversion rate.a - anxiety. You can see by the "-" that this is a negative. Visitor anxiety peaks right at your call-to-action (the button that says click or buy). You see guarantees and social proof near the call-to-action as a way to decrease visitor anxiety.OK, here's the insight embedded in this formula.Notice that the first three variables are all interrelated in a very specific way. They include: the motivation of your visitors, a clear presentation of something your visitors value, and an incentive that will make your visitors want to take action.The big mistake most marketers on the internet make is thinking they can optimize the different parts independently. They ask, where can I get cheap traffic, what's a headline that really works, what's a great offer I can make.You can see from the equation how you will be more successful with your landing page by thinking of all the parts of the equation as a marketing campaign.Who is a hungry market that I can find and bring to my site, and what is the value proposition THEY would find attractive, and what is an offer THEY would jump at.Rather than looking for someone who promises lots of traffic cheap, or who can write a great headline, or who can develop a great offer you can give away, look for a campaign that optimizes all those for one given group of visitors.Here are two examples.This first example is about as weak as you'll find, though there's a good reason for that.It's Mozilla's Firefox home page. You'll see the page does just about everything wrong, if they mean to convert visitors.m - The visitors are not hungry. Or rather they're hungry but not for the offer Mozilla is making. If I go to a search page, I'm driven to get results for whatever I'm curious about, not whatever Firefox is pitching.v - Their value proposition is not clear at all, except for a particular group. "On November 10, Firefox is celebrating 10 years by stoking the embers of online independence. Sign up to fuel the fire."Some of you will know what the means. Most of you won't. And even those who know what it means probably couldn't say exactly what they'll get by "fueling the fire". This is a great example of "cleverness" over "clarity.i-f - Their incentive is very low (see above) and their friction is very high. First, because if I click that button, I'll be taken away from the search I came for, and I'll go down some path I'm uncertain of. Second, because there's a HUGE distraction, the big search bar which is why I really came to this page.a- Anxiety is probably not terribly high. I'm not concerned about giving my email away. I just don't know how how much I'll be sidetracked if I click the hyperlink they offer.So, with all this stacked against the page, why are they running it? Because Firefox owns 19.6% of the browser market. And this page gets shown to anyone who comes to Google using the Firefox browser. So, even though the page certainly converts terribly, it gets a HUGE amount of traffic for free.Here's a good converter. This is LeadPages Software - Mobile Responsive Landing Page Generator's highest converting page currently. Leadpages.net does nothing but design landing pages. And they have a very big user base that tests constantly. So whatever their hot page is, that's going to be effective.Let's break it down.This page is for a webinar. Webinars are very hot these days.m - The target audience is probably the house lists for these guys. Their house lists (their own email databases) have deep trust for them (Clay Collins owns Leadpages and is an acknowledged guru). And you're not on their list unless you're trying to get your landing pages to convert. So the audience is super well qualified and very motivated.v - The value proposition is actually a little implicit (rather than explicit). We'll tell you how to triple your leads. That's clear. And you have to know these guys to know you'll be getting better information that you would from most webinars.Notice, the pitch is very clear. There are NO cute slogans anywhere to be seen. It's backed up by benefits statements that make it clearer. And, it has two call to action buttons that are very clear.i-f - Incentive. Get your webinar. Friction is low because the visitors know these guys. You'd also find a long facebook comment section under the bottom call to action. They provide social proof right at the major point of commitment.a - Anxiety is pretty darn low. Yeah, I have to give you my email address but I wouldn't be here if I wasn't already on your list. So you already have it. Even at that, they use a "2 step opt in" to lower anxiety.The call-to-action button makes it look like you can just click and get what you want without giving your email address (giving your email raises anxiety). When you click the button, though, you'll get a form to enter your email address. But you've already made a commitment by clicking the button once, so you're more likely to fill out the form. And, in fact, a 2 step opt in reliably increases conversion by something like 15%.So, there are your pillars in action. Go put them to use for your business.

First of all, to get a lot of responses for your survey don't forget to follow main rules of creating a survey. Here are some of them:Create and design an invitation page, sett the information about why it is so important for you to get the answers there; also write the purpose of your survey.Make your survey short. Remember that people spend their time answering questions.Preset your goal, decide what information you want to get in the end. Prepare list of questions, which would be the most important for you.Give your respondents enough time to answer a survey.Don't forget to say "Thank you!", be polite.Besides, if you want to get more responses, you can use these tips:1.The first one is to purchase responses from survey panel. You can use MySurveyLab’s survey panel for it. In this case you will get reliable and useful results. You can read more about it here.2.If you don’t want to spent money for responses, you can use the second solution. The mentioned tool enables sharing the survey via different channels: email (invitations and e-mail embedded surveys, SMS, QR codes, as a link.You can share the link on different social media, like Twitter, Facebook, Facebook groups, different forums could be also useful, Pinterest, LinkedIn, VKontakte and so on… I think that if you use all these channels, you could get planned number of responses.Hope to be helpful! Good luck!

In theory, as Dan Munro says, there's a complex system to determine residency. Many European countries have a reciprocal arrangement, such that you are covered in other countries. If you're in the UK, you get an E111 card before you travel to a European country, and you're covered. European Health InsuranceAt least that's the theory. The practice is that if you need patching up in an Accident and Emergency Department (that's the ER; or ED more correctly), you'll usually be patched up and won't be asked to prove anything about insurance or residence - you'll be given a letter to give to your doctor. An example: I had a German student who was in the UK for a 2 week course. She fell off a statue [she was climbing it, alcohol was involved] and broke her ankle. She went to the hospital, they did whatever they did. She was shocked that she didn't need to pay, she didn't need to show ID. She just got treatment. (If she'd been admitted, I expect it would have been different.).

There are many (many) reasons - so I'll list a few of the ones that I can think of off-hand.Here in the U.S. - we have a multi-party system: Provider-Payer-Patient (unlike other countries that have either a single payer - or universal coverage - or both). Given all the competing interests - at various times - incentives are often mis-aligned around the sharing of actual patient dataThose mis-aligned incentives have not, historically, focused on patient-centered solutions.  That's starting to change - but slowly - and only fairly recently.Small practices are the proverbial "last mile" in healthcare - so many are still signNow basedThere are still tens/hundreds of thousands of small practices (1-9 docs) - and a lot of healthcare is still delivered through the small practice demographicThere are many types of specialties - and practice types - and they have different needs around patient data (an optometrist's needs are different from a dentist - which is different from a cardiologist)Both sides of the equation - doctors and patients - are very mobile (we move, change employers - doctors move, change practices) - and there is no "centralized" data store with each persons digitized health information.As we move and age - and unless we have a chronic condition - our health data can become relatively obsolete - fairly quickly (lab results from a year ago are of limited use today)Most of us (in terms of the population as a whole) are only infrequent users of the healthcare system more broadly (cold, flu, stomach, UTI etc....). In other words, we're pretty healthy, so issues around healthcare (and it's use) is a lower priorityThere is a signNow loss of productivity when a practice moves from signNow to electronic health records (thus the government "stimulus" funding - which is working - but still a long way to go)The penalties for PHI data bsignNow under HIPAA are signNow - so there has been a reluctance/fear to rely on electronic data.  This is also why the vast majority of data bsignNowes are signNow-based (typically USPS)This is why solutions like Google Health - and Revolution Health before them - failed - and closed completely (as in please remove your data - the service will no longer be available)All of which are contributing factors to why the U.S. Healthcare System looks like this:===============Chart Source: Mary Meeker - USA, Inc. (2011) - link here:http://www.kpcb.com/insights/usa...

I give you, The World’s Fastest Stamper!That’s interesting, isn’t it?Like, she’s stamping those… things… really fast. It’s an efficiency unimaginable by normal means, right? A lot of Americans could learn a thing or two from her.But here’s the real question, what is she actually doing?Well, two things worth thinking about. One, while she’s amazing at what she does… a machine could have still done it faster, faster and more accurately. She missed 55–57. Not hating. Just saying. Two… she’s stamping. Stamps usually imply that a human has verified something with a firm and made a decision about it. That actually sort of explains why a machine isn’t doing it, but if she needs to place a stamp for some reason… why is it her job just to make stamps?I don’t know the true nature of what she’s doing, but it seems clear that she developed a unique level of mastery over a task that doesn’t actually need to be done.That’s the fundamental problem with bureaucracy… Creep.It forms as the simple pragmatic solution to some necessity of governance. Maybe it’s a need or a want, or just someone’s seemingly bright idea that people assume will help people.We need to make sure that people are _____ safely. Safety is important!That reasonable acknowledgement of a problem that may or may not exist, leads to someone coming up with a far less good way of solving the problem.So what about if, before people ever get the chance to ______, we make them have a _______ inspection, and we can decide if they are allowed to or not.But then a reasonably good idea always requires a little bit of extra hassle to make it work.So how do we know that had the ______ inspection? Have them fill out an ID-10T form. Then we’ll check the form and see what it says and they can do the thing they want.But if you make a task, then you create work for someone.Someone needs to look over these forms to verify that ______ has happened.Someone eventually realizes that there are so many forms that need to be inspected, that they start encouraging workers to move faster.We need to find ways to verify these forms faster.Then the bureaucracy begins to channel incentives to people based on the speed of processing the forms, rather than verifying whatever the forms are for.Alright everyone, we’ve brought an efficiency expert to give a special class on how to stamp forms faster! It should take your stamps per hour up 600%!At some point, it becomes clear that this isn’t an office to verify forms, or to make the world a safer place from the horrors of… whatever someone wanted to make more difficult to do… but an office whose entire purpose is stamping forms. That’s when the bureaucracy has broken down, because the purpose of the forms themselves have become lost.At that point, the bureaucracy is doing far more harm to the overall system then whatever good they gain from the “solution”. In the worst cases, whole functions are merely parasitical, taking far more resources to continue than good they bring about.We have to account for employee pay, who exactly are producing those forms, what losses are incurred by those who must fill them out, and even the costs to maintain the machine that prints out those inane forms in the first place.Sure, there is probably someone in charge of overseeing costs such as this, but that person too… is a bureaucrat.The problem is that bureaucracy itself isn’t wrong. There are pragmatic reasons for most jobs that have nothing to do with the actual purpose of the organization itself, far more valuable to the company than just pencil pushers. But, over time, every organization expands to the point that there are wasted processes too difficult to let go, but which people are afraid of what would happen without them. Other times, systems that make sense to absolutely no one, continue happening because of the power such a system puts in the hands of those that run it.Look, pretend there isn’t some times where people just want to make sure that you have to go through them with your ID-10T forms.Like the video example, however, bureaucracy has a way of making a failed system look like a productive one. You just can’t see that until it’s staring you in the face. Like a system that rewards and celebrates a person stamping forms at a few hundred a minute, there is a point where the people in charge have to take a step back and realize what they’ve created, a bloated monster that wastes people’s time, energy, and money, become the masters of a wasteful process, rather than a productive one. Worse, the more bureaucracy grows, the more corruption not only becomes likely, but the only way to get good work done.So the real answer of why bureaucracies are dirty words to some people, is that it is a process which always starts off well meaning, but requires constant supervision not to run away with itself. It’s a slippery slope, but when it finally falls off the cliff, it takes a lot of people with it. Eventually, it turns into a monster that prevents anything good from happening naturally. All that is because someone, usually someone with just a little bit too much self-righteousness themselves, thought it was a good idea to regulate something that no one else would, all in a way that put just a little bit too much power into their hands. When the best way to get things that most people would agree aren’t bad in and of themselves is to pay off bureaucrats or break the law, making decent people into criminals… that’s just a bad system.The problem with bureaucracy is that all organizations grow to eventually become those bad systems.To quote Oscar Wilde, “The bureaucracy is expanding to meet the expanding needs of the bureaucracy.”Relaxed. Researched. Respectful. - War Elephant

Try adding 'Login via LinkedIn' feature, this will help you extract the basic information related to personal data, educational qualifications and latest experience. Then show them the data with a prompt if they want to update it.This will definitely speed up and simplify the process.All the best.

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)

When you buy a new build or a recently converted property your mortgage lender will require you to gain a warranty to protect the building. ... By contract, when a consultant provides a CML Certificate they confirm that they have supervised the building of the property and that it has been built to a satisfactory quality.

Slang / Jargon (3) Acronym. Definition. CML. Chronic Myeloid Leukemia.

New Build definition. A 'New Build' is defined as a property that hasn't been purchased (even if it's been occupied) within two years of being newly constructed, converted or refurbished. This includes properties being bought off plan.

Disclosure of Incentives Form. ... The purpose of the Disclosure Form is to bring together the relevant information about the sale of newly built, converted and renovated property transactions in a single form. This improves transparency and simplifies the flow of information to all key parties involved in the transaction.

The gift is from an immediate family member(s), who confirms it is not repayable. Gifts from unrelated third parties, including friends and employers are not acceptable. A Deed of Trust or Second Charge to protect the gifted deposit is not acceptable. As per 1.11.