The Simple Way To Sell Your House Fast And ... - Real Estate blog

Twice yearly visit everybody in your SOI ( Sphere of Influence ) and thank them for past business with a tiny present and ask them whether they know any person that might gain advantage from your services. With the advance of mobile phones, e-mail and texting it has made it easy to speak with anybody at anytime, however it has not come without a cost. Here is how we?ve done this during the past ? we divided our SOI into six groups. For instance Group one = SOI members whose last names started with the letters A-D Group two = SOI members whose last names commenced with the letters E-I Group three = SOI members whose last names started with the letters J-M Group four = SOI members whose last names started with the letters N-Q Group five = SOI members whose last names commenced with the letters R-T Group six = SOI members whose last names started with the letters U-Z An alternative choice is dividing them up geographically by where they live. Indeed, there remain a massive numbers of properties in the retail sector in shopping malls, with big vacancy rates.

If you're an author and plan on writing about this industry, commercial real-estate or commercial construction subjects that I've got a few recommendations for you. Specifically , people in the bizz need to know which properties have sold, which projects are slated, which developments have been fast tracked by the town to enhance industrial development, and they would like to know the stats and increases in the marketplace for retail space, warehouse space, business office space, and multiple unit housing. Coming up with articles about commercial construction isn't very easy, it needs a lot of analysis and a good quantity of data. Nonetheless if you do your prep you'll find that your articles will become highly prized by all the ones that read them. The name of this town-Kailua-Kona-on the Giant Island is hyphenated as the Island of Oahu also has a city named Kailua.

The city is also feted for being the beginning place for the Ironman Triathlon. The legendary Kona coffee is grown on the sides and slopes of another volcano, the Hualalai volcano, at elevations of one thousand feet on higher. Here the area is stormy because clammy tropical air flows up from below and then condenses into rainfall. Consumers reading an editorial in the estate section of a paper need to read a novel story about a property or the way of life it offers, not only a list of attribute about the home. On the opposite end of the scale, folk driving past your signboard at the property need to see the listing?s main elements efficiently, tempting them to offer you a call, look up your web listing or visit your office. Your net listing sits somewhere between : a mix of text and bullet points proved to make an appeal to the widest audience. Tip : Ask purchasers where they saw your listing to discover which adverts are working best.

Source: http://www.real-estate-blog.info/2012/02/the-simple-way-to-sell-your-house-fast-and-smoothly-real-estate/

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With the chalk in my hands I?m a bad man (Unqualified Offerings)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/201073372?client_source=feed&format=rss

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Estate Planning in California: Deed of trust or Mortgage

Many clients own real property which are encumbered with a deed of trust. In other words, a person owns a home that was purchased with the assistance of a bank-issued loan. The following are some basic questions that address the rudimentary features of a deed of trust.


1. What is a deed of trust?


A deed of trust is a financing instrument where the borrower pledges real property, the security, in exchange for a loan from the lender in order for the borrower to satisfy the unpaid purchase price of the real property. Yes it sounds confusing at first blush, but conceptually it is not that difficult to grasp.


For example, Bobby wants to purchase 1348 Shawn Drive # 4 San Jose, CA 95118 from Samuel. The listing price for the condo is $175,000. Bobby is unable to make an all-cash offer for the home as he can only come up with $50,000. Therefore Bobby must obtain financing in order to purchase the home. Bobby decides to ask a local credit union for a loan to purchase the home. The local credit union approves Bobby for a loan of $125,000 that will be secured by the condo. This means that if Bobby is unable to repay the loan, the credit union may foreclose on Bobby's condo in what is known as a trustee sale. Bobby then submits his offer and is successful in purchasing the home. Samuel transfers title to Bobby via a grant deed and Bobby executes a deed of trust in favor of the credit union.?


2. What about mortgages? All I ever hear is talk about mortgages rather than a deed of trust?


For reasons that scream "boring" I will spare you the legal history of California's preference for the deed of trust instead of the mortgage.?

The key takeaway is that a mortgage and deed a trust create essentially the same legal obligations.? It is just that in California, a loan secured by real property is referred to as a "deed of trust" instead of a "mortgage."

3. What is the difference between a mortgage and a deed of trust?


Structurally a deed of trust has 3 parties whereas a mortgage has 2 parties. In a deed of trust, there is a trustor, trustee and beneficiary. The trustor is the debtor or borrower. The trustee is the party entrusted to reconvey the property to the trustor if the loan is repaid or to foreclose at the beneficiary's election, if a default occurs. It should be noted that the trustee is not a trustee in the usual legal sense. For instance, a trustee of a trust is held to certain fiduciary standards and a bankruptcy trustee is also held to certain legal standards. A trustee in a deed of trust is not held to such legal standards and serves a passive administrative role. The beneficiary is the lender.

In a mortgage, there is the mortgagor and mortgagee, i.e. the borrower and lender.

Legally speaking though, there is little distinction between the two.


4. How does a deed of trust relate to a revocable trust?

Since many clients own property that is encumbered with a deed of trust, they are concerned about transferring property into a trust. The reason being is that a deed of trust has, or should have, an acceleration clause which says that the lender has the right to accelerate the loan if certain transfers are made. This is known as a due-on-sale clause. This clause is present to prevent the borrower, the homeowner that is, from transferring the property to another person without first paying off the loan.

The good news is that federal law carves out a rather large exception to the general rule that a lender can enforce a due-on-sale clause. The law, the Garn?St. Germain Depository Institutions Act of 1982, says that a due-on-sale clause cannot be enforced on "a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property." 12 USC ?1701j-3(d)(8). Hence, even if a person has encumbered real property, they are free to transfer the property into their trust without concern about their entire loan being due immediately.

If you have any questions please call my office at (408) 866-8382? for a free consultation or email me at s.miri@mirilaw.com.?

Source: http://calestateplanning.blogspot.com/2012/02/deed-of-trust-or-mortgage.html

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NBA legend raising awareness after cancer fight ? Sports ...

ORLANDO, Fla. ? Oscar Robertson is stepping back into the spotlight.

After living quietly in Ohio, the NBA Hall of Famer wants to raise awareness about prostate cancer.

Robertson was diagnosed with the disease about a year ago and had his prostate removed. He is serving as honorary chairman at the International Prostate Cancer Foundation?s gala in Orlando next month.

The 73-year-old said his diagnosis followed a routine PSA screening.

?I had some numbers that went up a little bit and that was the indicator something was wrong,? he said in a phone interview with The Associated Press.

Most men over 50 get PSA blood tests, but they?re hugely problematic. Too much PSA, or prostate-specific antigen, only sometimes signals prostate cancer is brewing. Moreover, most prostate tumors detected after screening will prove too slow-growing to be deadly. But it?s hard to tell in advance who will need treatment and who can safely skip it.

Treatments include surgery or radiation; some men opt for close monitoring and treatment only if the cancer grows.

While the initial news was surprising to Robertson, it wasn?t the first serious medical issue he?s faced since his playing days. In 1997 Robertson donated a kidney to his then-33-year-old daughter Tia, who was suffering from lupus.

But with no history of prostate cancer in his family, Robertson went into scouting-mode against his new opponent before making his decision.

?I talked to lot of doctors about it and decided I?d rather have mine taken out,? he said.

Robertson wanted a minimally invasive procedure and doctors in Ohio eventually steered him to Dr. Vipul Patel, a urologist in Orlando.

Having grown up in Los Angeles and been a fan of the hometown Lakers, Patel instantly made the name connection.

?Obviously, the Big O, everybody knows him,? Patel said. ?I actually met him in person the day before surgery. He?d already decided what he wanted to do.?

Patel did the surgery and Robertson was able to go home the next day. Now, almost a year later, Patel said Robertson is cancer-free and has an excellent prognosis.

During his more than 60-year association with basketball, Robertson earned both championships and pioneer status. He was the only player in NBA history to average a triple-double for an entire season (1961-62). He was a founder of the National Basketball Retired Players Association.

Now, Robertson has shifted his attention to helping others through his own experience. A founder of the National Basketball Retired Players Association, Robertson also has already reached out to associates across the NBA, including current NBA players? union executive director Billy Hunter, to enlist their help in future awareness initiatives.

?Years ago, born in small-town Tennessee, I seldom went to doctors. I didn?t know about early detection, or about heart attack prevention or anything. Nobody knew about prostate cancer unless it killed them,? he said.

According to the National Cancer Institute, African-American men have the highest incidence rate for prostate cancer in the United States and are twice as likely to die from it as white males.

?No doubt about it. I want to raise awareness in all communities,? Robertson said.

He?s working with Patel?s newly-formed International Prostate Cancer Foundation. Patel said Robertson is having an effect.

?We can see people calling and being screened. He?s having an impact already,? Patel said.

Robertson said he isn?t taking his current health for granted, having known people who have died from prostate cancer.

?I guess I was one of the lucky ones,? he said.

Source: http://bangordailynews.com/2012/02/15/sports/professional-sports/nba-legend-raising-awareness-after-cancer-fight/

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PFT: Haynesworth cut by 3rd team in 8 months

AP

Franchise tag season officially starts on Monday, February 20th. Teams have until March 5 to use their tag.

Last year, a record number of players were tagged. I?m predicting a new record will be set this year.

No Brainers

Barring a long-term extension before March 5, it would be stunning if these guys aren?t tagged. These are in no particular order.

1. Ray Rice, Ravens running back.

2. Matt Forte, Bears running back.

3. Calais Campbell, Cardinals defensive end.

4. Jermichael Finley, Packers tight end.

5. Drew Brees, Saints quarterback.

6. DeSean Jackson, Eagles wide receiver.

7. Fred Davis, Redskins tight end.

8. Brent Grimes, Falcons cornerback.

Tough calls

The next 11 players aren?t slam dunks to be franchised, but they made my cut. My total number of 19 players will surely be reduced when some players on this list get contracts before March 5.?

9. Anthony Spencer, Cowboys linebacker.

10. Matt Prater, Broncos kicker.

11. Marshawn Lynch, Seahawks running back.

12. Brandon Carr, Chiefs cornerback.

13. Wes Welker, Patriots wide receiver.

14. Sione Pouha, Jets nose tackle.

15. Dashon Goldson, 49ers safety.

16. Stevie Johnson, Bills wide receiver.

17. Josh Scobee, Jaguars kicker.

18. Cortland Finnegan, Titans cornerback.

19. Cliff Avril, Lions defensive end.

The Near Misses

Remember that I?m choosing what I think will happen, not what should happen. The following players will be considered for a tag, but I?m predicting they won?t be tagged.

1. Arian Foster, Texans running back.

2. Mike Wallace, Steelers wide receiver.

3. D?Qwell Jackson, Browns linebacker.

4. Michael Bush, Raiders running back.

5. Dwayne Bowe, Chiefs wide receiver.

6. Robert Mathis, Colts defensive end.

7. Paul Soliai, Dolphins nose tackle.

8. Vincent Jackson, Chargers wide receiver.

Teams with no tag candidates

Here are the teams without any realistic tag candidates, just so you don?t think I forgot about you guys: Carolina, Cincinnati, Minnesota, New York Giants, St. Louis, and Tampa Bay.

Now is the part where you tell me why I?m an idiot below. You can check out this column if you want an overly long explanation of why I made all the choices above.

Source: http://profootballtalk.nbcsports.com/2012/02/15/buccaneers-cut-albert-haynesworth/related/

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Spending cuts trump farm subsidies for many voters (AP)

WASHINGTON ? Promoting farm subsidies was once a no-brainer for rural members of Congress seeking re-election. This year, it's a bit trickier.

As lawmakers wade cautiously into writing the next five-year farm bill, agribusiness and farmers' lobbyists are preparing for the worst. With little appetite for spending on Capitol Hill, subsidy cuts in the billions of dollars are on the table as rural voters also cry out for less government.

It doesn't help that farm business is booming.

"What's different this time is we have very strong commodity prices," says Roger Johnson, president of the National Farmers Union. "And that is generally not a really good time to write a farm bill because everyone who is projecting the future says, `Oh, this is going to last forever.'"

Farm bills in 2002 and 2008 also were driven by rural election-year politics. Lawmakers, particularly in the Senate, curried favor with farm interests in their states by slipping their priorities into the bills. Taking care of everyone's needs ensured passage and subsidies remained almost untouched.

But this year, many of farmers' traditional allies are just as concerned, if not more concerned, about voters' calls for less spending.

Sen. Pat Roberts, senior Republican on the Senate Agriculture Committee and a veteran of many farm bills, says his constituents aren't asking about farm subsidies as much as they used to. He says he gets more questions about government regulations that farmers see as burdensome. Traditional farm issues and the impact of farm policy have gotten somewhat lost.

"I don't think most people who run for office realize there is still a significant farm vote," he says.

Nowhere was that more clear than in Iowa, where presidential candidates have wooed farm country for decades. Several of the contenders in the Iowa caucuses actually spoke out against subsidies for corn-based ethanol, a position unthinkable in the past.

Farm-state members have already said they will support eliminating some subsidies. Last fall, the heads of the House and Senate agriculture committees ? Republican Rep. Frank Lucas of Oklahoma and Democratic Sen. Debbie Stabenow of Michigan ? negotiated a farm bill that cut $23 billion from agriculture and nutrition programs, hoping to piggyback it on the budget-cutting supercommittee's bill. When the supercommittee fizzled, so did their hopes for a speedy farm bill.

This year, they are starting over with more input from other agriculture committee members. But direct payments, a type of subsidy paid without regard to crop price or crop yield and costing taxpayers about $5 billion a year, are still a top target as the Senate Agriculture Committee opened hearings on the legislation Wednesday. That was cemented by President Barack Obama's call to eliminate them in his budget proposal Monday, which put forth a $32 billion cut in farm programs.

That's a strong contrast from 2008, when Obama supported the last farm bill while he was campaigning for president. That legislation was far more generous ? even raising some subsidies ? than the bill Congress is weighing this year.

Former President George W. Bush also played both sides. He signed a robust farm bill before the 2002 midterm election year but later called for cuts. In 2008, when he wasn't up for re-election, he vetoed the next farm bill. Republicans up for re-election in the House and Senate joined Democrats in overriding the veto.

Since then, farm country has seen much of that GOP support fade away. Many farm-state Democrats were swept out of Congress in the 2010 midterm elections, and several Republicans who eventually filled their seats on the House Agriculture Committee are more affiliated with the anti-spending tea party than they are with farm interests.

Unclear is how aggressively those conservatives will support farm subsidies ? and, if they do, whether they will be able to persuade party leaders and other congressional conservatives to go along. House opposition is seen as the biggest obstacle to getting a farm bill done this year.

Rep. Tim Huelskamp, R-Kan., one of the tea party conservatives on the agriculture panel, says he is telling constituents that direct payments will have to go. "Some folks say we want you to defend it to the end of the day, and I say that's not what's going to happen."

Huelskamp believes there should still be some sort of safety net for farmers when prices drop or crops are destroyed. But he says frustration over government regulation ? labor and environmental laws in particular ? is the top issue on farm voters' minds. People understand they will have to take a cut, he says.

No one envisions a farm bill that eliminates subsidies entirely. The compromise Stabenow and Lucas reached last year would have cut spending while creating a whole new subsidy to protect farmers when their revenue drops.

As they try to satisfy all sides, lawmakers and the Obama administration have also looked beyond subsidies to find savings. The Obama administration has appealed to the budget-conscious by trying to cut administrative costs at USDA and consolidating rural offices. At the hearing Wednesday, Agriculture Secretary Tom Vilsack asked the senators to "consider two key themes ? streamlining and flexibility."

"There are a lot of land mines and we just have to see how it plays out," says Minnesota Rep. Collin Peterson, the top Democrat on the House Agriculture Committee. He warns that Congress shouldn't get too confident about cutting farm programs.

If the agriculture economy crashes, he says, "there isn't going to be any money to bail anybody out."

Source: http://us.rd.yahoo.com/dailynews/rss/uscongress/*http%3A//news.yahoo.com/s/ap/20120215/ap_on_go_co/us_farm_subsidies

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Pressure Washer Concrete Cleaning Apparatus | Articles Fancy

Cleaning concrete is tough and there is a good way and a painfully costly way. There is one thing you must know when you are power washer cleaning concrete areas; the concrete can?t continually be designed to look brand new again once it has been stained. You can always obtain stains lighter or bleached however totally removing it is really very difficult, sometimes you get lucky, but if you are searching for perfection, then chances are you will be underwhelmed. Then when speaking with customers let them know in advance as well as clarify this for them otherwise they will be asking for a job that simply can not be done unless of course the entire concrete slab is actually ripped up and re-poured.

Let?s talk about equipment that is needed for this kind of work. Remember safety is always important whenever using a pressure washer. Some occasions there are chemicals involved with cleaning a few unsightly stains. Therefore, you should always use some type of eyewear safety.

Additionally, when you are utilizing dangerous chemicals you need to wear jeans to safeguard your own legs. Chemicals designed for concrete are very strong and cannot be toyed with. Would an individual rather work with dried out ft or even moist? It is advisable that you get rubber waders or even some type of rubberized trunk. They will keep your feet from getting wet and keep all of them from obtaining burned through the two hundred and fifty degree hotness water.

Orange warning cones are also important to possess with this work. These help make individuals aesthetically conscious that you are there if you are in a high visitors area or even high are lots of contract workers from state the recently constructed house that needs the actual concrete washed. This can make everybody who are around you secure and you?re simply assisting prevent accidents. Certainly you will require a Hydro-Twister with this job. You may officially get the job done having a magic wand but it will take much more time and lots of water, not to mention you can trigger streaking if you?re not using patterned strokes across the slab of concrete.

Most of the new warm water pressure washers have an option of a hydro tornado type unit but when you do not have one as well as you need a second device it is recommended that put forth purchase one. When buying the hydro twister purchase the larger of the two. There my be merely a 5 ? distinction within surface area protection but it?s well worth it when you?re attempting to save time with out techniques. Particularly if you are cleaning cement at a building site or perhaps a large retail type supply yard, there is lots associated with cement and the faster you fix it the greater cash you?ll make. Think about it.

In addition to pressure washers reviewer, this writer is a home and family blog writer. She writes on a assortment of themes for the whole family, from champagne glasses to throwing knives To go through more of her advice, product reviews, and social discourse, check out her website!

Source: http://articlesfancy.com/home-improvement/cleaning-tips-and-tools/pressure-washer-concrete-cleaning-apparatus?utm_source=rss&utm_medium=rss&utm_campaign=pressure-washer-concrete-cleaning-apparatus

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Risk Management Software ? Dot Surf

ISO and Software for Risk Management : Modern times have got observed a drastic change in just how companies operate their businesses. Nowadays, companies rely on being attentive to the cost-effective, politics along with social aspects before making any company decision. These types of aspects underline the various risks which could modify the achievement associated with a business and it?s also associated with intense significance for you to correctly identify and assess the effect of each potential risk. This kind of risk evaluation procedure requires the examination along with prioritization of each and every risk. For assessment as well as prioritization, companies need methods through which they?re able to minimize, monitor and control the particular possibility along with effect regarding risks. Companies along with numerous places and also workers with multi-cultural backgrounds provide an especially elevated prospect of risk. The largest challenge in which stands in between any company as well as achievement also comes in the type of decoding the actual complex risks as well as managing these efficiently. This is when risk management software will become useful because it offers businesses together with a lot essential insight into the actual identification, the particular assessment as well as the prioritization of risk. With this, ISO has developed recommendations to help in the development of Software risk management systems. Risks can hit a company in several forms such as uncertainty in financial markets, project failure, accidents, attack on reputation by competitors, natural disasters, etc. The real check of any company is within exactly how well outfitted the particular administration is usually to face these risks and come out of these without any key setbacks. Any risk management system is useful for identifying and also characterizing these dangers. This method helps in determining the particular predicted consequences of certain kinds of hazards on different assets with the organization. After that, it is essential to figure out how to handle these kinds of risks as well as save assets coming from possible loss. The actual ISO standards organization offers recognized a certain group of principles which can be connected with software for risk management . ISO demands for risk management software being systematic and structured so as to take into consideration just about all factors and possess the capability of continuing improvement and enhancement. Risk management systems are carefully developed as to qualify set from the ISO. The first obvious element is the identification of risks in a selected domain of great interest. It will help companies to quickly explain the actual weaker areas inside the companies that are prone to becoming strike by way of a risk. The next step is in order to program the actual techniques within the system in a way in order that the occurrence associated with risk will be altogether prevented. Usually risk management software helps in aligning just about all processes inside a collaborative platform that makes it better to plan as well as keep each and every employee knowledgeable about the alterations in the actual processes. Defining a framework for that activities and an agenda within the system helps an organization in applying out the social scope as well as evaluation regarding risks. Afterwards, the particular management can conduct out a thorough analysis of risks mixed up in procedure. Risk management systems are familiar with providing companies using reports and analyses of varied departments inside the company. The overall picture helps the very best level management in closely monitoring and figuring out the strategies to employ in the industry. This particular automatically takes the lead in the minimization or perhaps answer involving challenges by using the obtainable technological, human and organizational resources. Therefore, the risk management software closely modeled around the principles laid by ISO helps in combating any forms of risk that attacks business processes and also results.

Written by josh. This entry was posted on February 14, 2012 at 2:46 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Source: http://dotsurf.me/?p=1288

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spyware: Sneaky, Annoying Threat Programs Can Bring Computer ?
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Talk:Spyware ? Wikipedia, The Free Encyclopedia
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6 Ways To Defend Against Drive-by Downloads
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This website is about how to find spyware and how to detect spyware.? By reading the articles on this website you will also learn how to scan for spyware and how to tell if you have spyware, you will even learn about software to delete spyware.? Please navigate this site in order to learn more about spyware and how to protect your computers from it.

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Source: http://www.howtofindspyware.com/download-spyware-software/

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