October 2017

Pre-Listing Considerations
Most of the same considerations you would have when selling under normal circumstances still apply: De-clutter, touch-up the paint, keep the landscaping tidy, etc. Here are some of the extra issues that Short Sellers face and some questions that often ask …

What should you look for in a Listing Agent?
More than anything, you need an agent who has a decent amount of experience with short sales and has shown exceptional market knowledge. Fancy fliers, glamor-shots, and a "neighborhood specialist" will not do you any good in a short sale. And do not hire a "Short Sale Expert" just because they call themselves one.

A great Short Sale Listing Agent will have:

  • Good Short Sale experience. Seeing as how we've been doing them for 4 years, an agent you hire should have done at least 20 or so successful short sales. Be wary of someone who says they've done hundreds … many of them will not have the time or inclining to give you the extra effort when you need it most.
  • Excellent industry and market knowledge. Short sale transactions are so much longer and more complex. It looks like there are a lot more things to go wrong. A good short sale agent needs to understand appraisals, different lending standards and practices, inspection and repair issues, and generally the kind of person who can come up with the solutions needed to keep a deal moving forward.

NOTE: Some agents hire outside short sale negotiators to process the transaction with the Seller's bank. If you are hiring an agent is going to effectively outsource their work, it is really this other company you are hiring. Ask tough questions accordingly. The biggest concerns here are that your listing agent may not be engaged and working as hard to keep your deal together AND some of these outside firms may charge you additional money.

Should you stage or spend any money on repairs?
No and No.

Do you have to be behind on your mortgage payments?
No.

This is one of the most common misconceptions about short sales. I have personally closed short sale transactions where the sellers never missed a payment.

The issue is one of hardship. The bank will want to see that you have a legitimate reason why you can not continue making your payments. If you have a legitimate, provable hardship that justifies why you can not continue to own the house, then you will be a great candidate for a short sale even if you are current on your mortgage. On the same note, exaggerating your pain by not making your payments when you still could probably not going to help you any. The bank will see your pay stubs and your bank statements anyway.

Obviously, credit scores are a big concern for Short Sellers. In theory, a Seller with zero or very few missed payments will have less credit damage than a Seller with many months of missed mortgage payments.

Having said that, …

Traditional draperies have now been successfully replaced by means of contemporary curtains. One of the main reasons is that contemporary draperies are quite light-weighted but the traditional ones are heavier in weight. Heavy curtains cannot be maintained and installed easily rather they are very much hectic to control and this is why maximum house-owners are choosing contemporary options.

Contemporary window treatments have been designed on the basis of advanced technologies and thus they can be managed easily and conveniently. Window treatments should be chosen carefully otherwise your objectives will not get fulfilled. Lighter fabrics have been used for creating contemporary draperies and the designs are simply outstanding. These treatments add special effects to the decor of your room.

Both formal and fashionable styles are available in contemporary draperies. International standards of draperies are being efficiently abided for enforcing guaranteed quality and satisfied designs. A careful and perfect procedure is being followed in these kinds of window treatments. Both comfort and privacy are being managed with efficiency with the maintenance of these treatments. Material strength and colour patterns are versatile in nature.

There are many people who become quite sceptic for choosing contemporary window treatments mainly due to higher expenses. But if you want great quality and texture with higher longevity, then you should not think of the cost. If ideal conditions are not being created then it will be quite difficult to deal with these kinds of window treatments. Less fabrics are required by these draperies and the do not have any lining. These draperies are mainly well-known for their simplicity and outstanding appeal.

What to consider in contemporary draperies?

• Heading styles: Heading styles differ from formal curtains to informal ones. These styles mainly hold-back the attractive features of these draperies. If the display is improper then the beauty of the draperies cannot be thoroughly enjoyed by the viewers. Pleats will decide the heading styles and some of the most prominent options are Goblet, Euro, French and Pinch. You have to choose the most relaxing style that not only cater you the maximum relaxation but also suits the decor of your house.

• Desirable length: Improper lengths of contemporary draperies might hamper the grace and beauty of the walls and windows and thus the accurate lengths need to be chosen. Approximate length should be maintained for getting an absolutely sober and simple look. You can take the assistance of the manufacturer so that correct length can be maintained without any inconveniences. Excessive length can also spoil the overall look and thus be careful about the same.

• Mounting hardware: Mounting accessories are to be looked upon so that hanging curtains can be easily installed without any troubles. Simple mounting rules are to be followed so that perfect installation can be made. Desirable puddling is to be chosen for supporting the mounting procedure. If the windows are larger in size, then you might face a bit of difficulty in making the installation but right mounting materials can make your task …

Fire protection companies have begun a training program for mechanical and fire protection companies from throughout the country that want to expand their services to include fire suppression and restaurant kitchen hood systems installation.

The fire protection companies have expanded their fire alarms systems and fire suppression systems services nationwide as a result of increased requests.

The companies already provided commercial hood installation and hood cleaning services nationwide.

They will continue to install other systems, including fire suppression systems in all of the surrounding areas. But in order to effectively address the nationwide demand, it’s better for them to bring on contractors who they can train to provide the same quality service in their areas.

Companies interested in the training must meet some specific criteria.

They are looking for professional, ethical contractors who are willing to continuously learn and better themselves. They want contractors who are eager, want to grow their businesses and who care about safety and honesty.

Contractors selected for this work must be willing to honor their contracts with everyone-especially customers- and go a step beyond the contract. Customers typically have no understanding of some of the technical terms outlined in contracts. They get bids, people give them a bunch of technical words and the customer doesn’t know what’s missing.

When a customer comes to them or one of their contractors, they get the whole picture, honest and open, right then. Everything is written down and everything written is delivered completely.

It is important for customers to understand ahead of time what they will get. That takes proper explaining by the contractor, who should walk the customer through the process and answer all questions.

The contractors they work with also must complete work on time and remain available if the customer has trouble with the system. They also must honor guarantees and warranties, even if that means they might lose money on that particular trip.

There are times they go install a hood 100 miles away and three or four months later, the motor burns out. The motor is under warranty and the factory will send it to them, but guess who’s going to drive 100 miles and install it for free? That’s part of the deal, and they have to be ready for that.

Being honorable sometimes is costly, but fire protection companies believe it always pays back.

Contractors must pay bills to their suppliers on time and they must use high-quality products and materials.

Ongoing technical and safety training is necessary for contractors to continue to thrive in the industry. They will get proper safety and technical training on a regular basis, as well as continuous technical support.

-end-…

Few things can be as great of an inconvenience as the inability to use your running water and plumbing system in your own home. Even if you have running water, your plumbing must work perfectly in order for you to be able to turn on the tap in the first place. Don’t put yourself into a situation where you have to be inconvenienced and call in someone for emergency repairs. Make sure to keep your piping free and clear or else you may have some very time consuming and expensive repairs to tend to. Here are the five most common reasons for blocked drains and how you can try to avoid them.

1. Vegetation growth

Although not the most common, this factor could lead to some of the most expensive and extensive repairs you may have to deal with. Often times our piping systems have been installed when our homes were built long ago and new and different unforeseen blockages can occur by way of root systems from trees and other vegetation growth. The roots of a tree can slowly put pressure on plumbing lines causing them to break, bend, leak, or be blocked, all of which can create a worsening situation. Often times these repairs require expensive machinery, digging, and re-sodding of lawns.

2. Foreign objects

If your sink or tub was draining perfectly a few days ago and now suddenly seems to be clogged, you may be dealing with an object stuck inside of the pipes. This can occur when an object is left by a sink that does not have a drain filter or screen. Even if the object doesn’t completely block the pipes at first, it may still begin to accumulate debris leading to a clogged pipe in the near future. Many with kids are familiar with random objects dug out of the pipes- many times toys!

3. Grease

If you are noticing a clog in your kitchen sink it may be due to a build up of oils. Many types of greases and lard can clog up drains very quickly. Do not throw excess cooking grease down the disposal and drain. Hot grease in its liquefied form will get inside the plumbing and then later solidify while grabbing ahold of extra food particles and debris. This will create a strong and difficult clog and may damage the pipes.

4. Hair

If you are noticing clogs in the bathrooms, the most likely cause is build up of hair. Hair, especially long strands, have the ability to become tangled creating larger and larger balls of hair that eventually work like a net. The netting begins to trap other debris and smaller hair and before you know it the sink will not empty. Make sure to use a strainer in all bathroom tubs and sinks.

5. Non-flushables

You would think only children are to blame for attempting to flush random objects down the toilet, but you would be surprised how many adults do the same thing. It sure …

Now-a-days, people are driven with online design tool development for creating own personalized vinyl lettering design by using online lettering design tool. Vinyl lettering is the highly cost-effective way to create unique commercial signage design that can stand out. The easy-to-install web application tool is the better option to creating a high-quality and professional vinyl words instead of struggling to create fantastic designs on other designing software. People are using vinyl lettering for advertising work to display company name, phone number and website address on the different platforms.

Letter design software application is gaining momentum among people when it comes to create vinyl and self-adhesive signage. The powerful online design tool enjoys strong position among people when it comes to customize design for vinyl words. An online letter software has been widely used across the world for vinyl words signage for vehicle, boat, custom boat registration, decorative wall, window, vinyl signs, semi truck and standards truck, custom wooden, special textures applied letter etc.

The web designing letter tool is the smartest option enables a person to create, submit and purchase fantastic vinyl word artwork quickly and efficiently. There are various lettering application tools available online which allow a user to create word artwork in minutes. By using the instant vinyl lettering design software, an individual can create professional and appealing letter art and personalize it according to individualistic requirements. Online lettering tool helps to design eye-catching lettering in real-time by using vinyl color schemes, endless variety of fonts and sizes which can be used for both interior and exterior signage.

Benefits of custom online lettering design tool:

  • Easy to install and implement
  • Fully customizable
  • Multiple fonts, colors, and effects to choose from
  • Multiple letter size option
  • Assign categories and sub-categories
  • Product-wise Purchase Register
  • Bulk Order
  • Customer bulk order history
  • Multiple Category support
  • Add Special Effects

An instant vinyl lettering design software is the most convenient option that streamlined the overall process of designing a custom vinyl letters and helps to save total cost.…

If you read this article after going through the earlier 3 articles it will make more sense.
A two liner on the previous articles, to be truly financially free one has to first learn to live in the present that is concentrate on what one is doing with out distraction. Understanding the link between the past and the future between the present, from the past we learn from our mistakes or our failures, some body once said fail as fast as you can if you wish to succeed fast. By planning for the future one can make sure that one achieves ones dreams with out any blocks. Next is ones attitude towards work and surroundings, it is not always possible to change ones job or life partner but there is something in our control that we can change and that is our attitude towards them.

When we have all these in control we should be comfortable in our life. The next lines are more for the youth as they have more opportunity to implement it than a person who has passed his middle age. Let us speak of the next step by taking examples of two people one follows the traditional path and the other implements the essence of steps to financial freedom.

Mr. Job is a youth twenty five years old with a good job he had all the old values ​​imbibed in him. The moment he gets a good job his family and he himself starts searching for a suitable mate. This accomplished his next thought is about a house to live in. With the little money saved and the generous help of banks in the form of housing loans he manages to complete his dream house. The cost he pays is a recurring installation for the next 20 years. At this joke in life the third member in the form of a bundle of joy enters into there life that is there first child.

Expenses mount and Job looks for a part time job or in the words of a famous author one more bucket to lug in water or in this case money. He leads his life in this manner making both ends meet with great difficulty and before he knows youth and middle age has passed him unseen. A weary and discontent man is all that is left of the former brilliant personality.

Let us now see what the second youth who has some modern ideas does in the same situation. Our friend here is Mr. John; John also gets a good job and gets married. Here ends the similarity in Jobs and Johns life's, John instead of buying a house for him to stay approaches the same banker and takes a loan to build a shop or office that he can let out with the rent he gets and maybe a few more rupees He starts paying his installments without feeling the pinch. Here as time passes the rent of the building increments while …

There are many reasons why one might want to install a car tracking system. Apart from the usual tracking purposes, it can also be used as an anti-theft device. It can also be used to monitor a particular driver and his driving habits. GPS devices have many professional purposes as well. In businesses like cargo delivery, car rental or ambulance service, these devices are indispensable.

Whatever might the purpose be, these devices work flawlessly and are actually easy to install as well. Once installed, these devices work with the global positioning system so they can deliver real-time location of the vehicle always. The direction of movement, the speed and of course, the location can be known remotely. The technology has reached such heights that these devices can also tell of the time spent halting at different locations. One can even opt for geo-fencing where the alarm will be activated once the car ventures outside the predefined route. All these data can also be stored in a central database for future reference.

Coming to the installing of such devices to your car, first thing you need is to find a power source for those. There are two ways to provide power to these devices. One can use dedicated batteries to power it, or one can also feed it from the battery of the car. If you want the second option, you need to go to a professional. However, if using dedicated power source, it is very easy to install and anyone can do it. You need to buy the device, and also a magnet-proof and weather-proof case to house it.

Now power the device using the battery cell and put the active device into the case. Put the case somewhere where it will not be seen easily. Next step is to test the device.

Once you have put the case into a safe and hidden area of the car, take the car out and drive for a while. Note the location, the speed, the direction and the halt timings manually. After the drive, check if the case is safe and secure where you put it. Now use the computer and check the data collected by the device. Compare it against your manual notes. If everything matches, you have successfully installed a GPS device yourself. If not, you better consult a professional. Also, keep a note about the battery so you don’t run out of power.…

Pokemon is a game by Nintendo, which can also be played on mobile devices around the world. Although Pokemon is targeted at children, it’s been discovered that some adults love the game. It was first launched 20 years ago, and so many people have been keeping up with it since then. Pokémon Go is a new version of the game, which players can use for the first time on their mobile devices. Below are the things you need to know about the Pokemon.

Real Pronunciation

Most people pronounce the game as Pokey Man Or Poke-EE-mon, but its actual pronunciation is Poke-uh-mon. A kind of articulation that makes you feel as if you are speaking Jamaican language. Parents should note this, so they don’t embarrass their kids in the presence of their friends when they pronounce the game.

Who to play Pokemon:

Pokemon is not meant for all children, so therefore it is not safe for children under the age of nine. It’s a game designed for players to go around his surrounding to catch Pokemon; the players are warned to be vigilant at all times in their neighborhood. A body known as NSPCC who are into children’s charity has warned children to be careful when playing it because Pokemon can appear from any angle so they should be watchful of dangerous places like near roads and the likes.

Don’t go anywhere without telling your parent or guardian:

The NSPCC also warns that there may be other people in the neighborhood who are also finding Pokemon and could meet tell kids to travel with them to catch Pokemon, so children should always ensure they report to their parent or guardian before going for such journey and not decide for themselves, and some players can lure people to areas that could be dangerous, so every player has to be careful.

Restrict your financial information:

The NSPCC children charity body also warns that people should be careful of buying things with real money in the game and the information you let out through your phone in the process.

Why people talk about Pokemon

The game has millions of downloads and its topping game chart download in many of the countries it’s released to, and it’s the first time it is going to be played on mobile device no need for console to play it, It is more easily available for all those who wants to play, and it is also free to download. The updated version of the game is so familiar with virtual Pokemon seen in real life environment places like a living room, garden e.t.c using your mobile device.

Pokemon encourages calculations:

Pokémon card game supports math practice. The game involves card that are numbered with this figure coming from each other the kid is invited to calculate the numbers thereby infusing mathematical thought into the kid. The continuous calculating by playing the card will help the kid develop strong mathematical prowess.

Pokemon’s Keywords:

Pokeball- What is use to capture …

Well, today, I’d like to focus your attention on three popular sex positions and, in particular, the advantages and disadvantages of each one. We will be considering the missionary position, the “man-standing-up-woman-lying-down” position and the cowgirl (“woman on top”) position.

1/ MISSIONARY POSITION

This is the traditional position for sex where, as I’m sure you know, the man lies down on top of a prone woman for intercourse.

Pros –

This is the easiest sex position to get into, requires little energy to get started and is great for sudden, spontaneous, unplanned sex. It is generally easy for the man to just roll over on top of the woman and their genitals are right opposite each other. This position lends itself to great intimacy because the two lovers can hug each other and look into each others’ eyes (if they are roughly the same height). Intercourse feels very exciting for the man, and the woman gets to receive some significant thrusting and a “whole body” experience. It is usually fairly quiet and can be done secretly if there is a danger of being discovered by other people in the house.

Cons –

This position has a reputation for being the “boring, married-people type of sex”, since it tends to lend itself to passionless “quickies” and can be repeated every time a couple have sex. It is often resorted to in order to avoid being discovered by curious kids and other people who might interrupt the session. The high levels of stimulation often cause the man to ejaculate quickly in less than 2-3 minutes, creating a bad habit for his body and a boring experience for the woman, whose body has hardly begun to respond to the sex before it’s all over. It is challenging for the man to create an orgasm for his woman unless he spends a LOT of time in foreplay beforehand and even then, lengthening the time having intercourse is quite difficult.

2/ Man standing up, woman lying down

This is the position where the woman lies down with her hips aligned with the edge of the bed, while the man stands up at the edge of the bed for intercourse.

Pros –

The main advantage of this position from the man’s point of view is the fact that it dramatically lengthens the amount of time he can have intercourse with the woman – anything up to 10-20 minutes or more can be achieved. Having sex standing up makes it much harder for his body to be stimulated to orgasm, so he has to thrust for a longer time to achieve it. He can also see the woman’s body much better and can use his hands to touch her breasts and upper body, which allows the woman to receive stimulation in two different ways at the same time. The woman usually holds her legs wide open by placing her hands behind her knees. He can also watch his penis slide in and out of her, the sight …

It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better hearing the birds chirp, smelling the fresh air and cleaning as if it were a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all the emotional feelings like sadness, anxiety and doubt about what you are supposed to next, and consider some of the following tips for your financial spring cleaning!

1. Get your financial house in order. Update your will. Check that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and get rid of non-performing investments (contact your CDFA or financial advisor if you need help). Get a file box or use a file drawer and label your files. Doing this will it easy to find any important financial papers.

2. If you aren’t doing what you love or loving what you do, then prepare to make a change! Update or write your resume. Take some courses and explore new opportunities in your area or an area that you would like to be in. Expect more from yourself. I’m sure you will be amazed what you’re capable of achieving.

3. Review your credit report!! Not only is identity theft a concern today, but so is human error. I recently found that there was a major mistake on my credit report and it took me a lot of time to have it corrected. It is also a good place to see if you or your spouse have any accounts that you were unaware of. If you haven’t already, make sure to establish credit in your name. Open a credit card, or the next time you purchase a car, register it in your name only.

4. This is also a great time to review your benefits at work. If you aren’t involved in a retirement plan, and one is offered, enroll!! If you are already active in a plan, review it!! It may seem overwhelming and out of your comfort zone so consult a financial advisor. Most advisors are happy to review your statements and offer you some advice.

5. I am sure that you just got your taxes done and you are saying, “Next year I will be more organized!” That’s what I said! So go buy a file for tax receipts only! Ask your accountant if s/he can provide you with some areas that may save you money on next year’s tax return.

6. Divorce is a big change and a new beginning. You will want to update your wardrobe, and feel pretty!! I am a big supporter of dressing the way you want to feel!! This can be costly, so make a plan. First, clean out your current wardrobe. There are consignment shops, example: Plato’s Closet, where you can sell your clothes and use that money to purchase new clothes for yourself. If you already have a budget, donate your clothes to women’s shelters. …