Real Estate Buying Made Simple For You | Eric Chua : Life ...

You will never know everything about real estate investing. There?s an infinite number of small tips you can learn to make the process of buying real estate easier and more lucrative. No matter how experienced you are, there?s always something new for you to learn about. This article provides several important tips that you should keep in mind when purchasing real estate. Utilize them to make the best choices.

If a seller doesn?t accept your offer on the home, don?t be surprised if they still manage to make the home affordable for you. Such possibilities include offering to cover your closing costs or even do some upgrades and repairs to the property prior to your taking up residence.

Always get a home inspection, even if your bank doesn?t require it prior to issuing a mortgage. When purchasing a property, it is essential that you know what you are buying, so be sure to have a home inspection done by a professional. There are lots of home problems that may be hidden to the uninitiated, but a professional home inspector will spot them right away.

TIP! A house that is close to a busy road should be avoided if possible. You might be saving money, but you will soon find out why the price was so low.

Look to buy a property that includes a fireplace in the family room; however, unless circumstances warrant it, you do not want this item in any other room of the house. You will find yourself not using these fireplaces and wasting time keeping up with them.

Be flexible when you are making choices. You may have to sacrifice some of your expectations in order to live in the neighborhood of your choosing, or vice versa. You may not be able to find your dream home in your dream neighborhood. However, you may be able to find your dream home elsewhere, or another home in your dream community.

If you plan to purchase all or some of a building for opening a business, be sure it is in a good neighborhood with ample growth opportunities. You could be making a bad business choice if you decide to open your business in a less than ideal neighborhood. Find the best location for your business by talking to a real estate company.

TIP! When deciding on an agent, it is important to have a list of questions already planned out. Ask about things that really matter to you.

It is really important that you pre-qualify for your home loan prior to searching for your house. It would be a shame to find the one home you?ve been looking for and then discover that you can?t get a large enough loan to cover it. Loans can take a long time to get, and you will not want to sit around and wait any longer.

Real Estate

Find an appraiser with a solid background if you want to buy a property. Hire an independent appraiser that is not recommended by your real estate agent. Real estate agents use their own appraisers to determine how much a house is worth when selling it to buyers. So their appraiser may not be able to give you an objective opinion about the value of a house you are considering buying. Ensure that your appraiser is properly licensed and certified.

TIP! Investing in real estate is always a risky situation. The housing bubble has finally popped, so house prices are at sane levels again.

Educate yourself on mortgage loan terms before you look into purchasing real estate. When you understand how your mortgage term affects your monthly payments, and how it will impact the total cost of your loan, you will minimize any future confusion.

Use a professional broker or real estate agent if your purchase is an investment. Agents and brokers have the connections and resources at their disposal that only professionals in the industry have access to. The most important tools these professionals have are sorting programs that can do advanced searches on MLS. While you are able to look through the MLS by yourself, the tools that a professional will have makes the entire process more efficient and more detailed. You will gain more information letting them help you.

If a home is in need of many repairs and updates, it is likely to be sold at a greatly reduced price. This will enable you to put any extra money in the bank, and use it to improve the house in your own time. You can build up equity with each and every improvement as well as get the exact home you want. Make sure that you are looking at the potential a house has, instead of focusing on the negatives. A few updates and improvements could transform that diamond in the rough into the house of your dreams.

TIP! You need to have your goals arranged by their importance when you are attempting to negotiate a deal for any piece of real estate. Separate your ?needs? from your ?wants? and construct a list with your expectations ordered by importance.

Real Estate

Do not rush into purchasing real estate without doing your homework. Many people jump into the property market too quickly, make bad purchases, and end up losing a lot of money and time. Therefore, before you purchase any real estate, you must find out important information like the neighborhood, crime rate, and how old the house is, among many other things.

When you are in real estate negotiations, be sure to keep your approach moderate. Many people want to be aggressive and get the best deal, and they wind up shooting themselves in the foot. Feel sure about the deal that you?re making but always defer to your Realtor, as they can provide some very sensible information.

TIP! When choosing an agent to assist you in searching for a home, ask this person the length of time he or she has resided in the area. An agent who is relatively new to the area won?t be as familiar with the roads, neighborhoods, zoning and projected growth as someone who has lived there for many years.

If the home you are purchasing is just for yourself, it is wise to take along someone who has home buying experience. This is great, because there is a chance they notice problems you haven?t. Tell them to ask their realtor some questions.

This article should have given you some great tips that will really enhance your real estate buying experience. You never know who you could help succeed who in turn might help you succeed as well one

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Source: http://www.maynaseric.com/real-estate-buying-made-simple-for-you-2

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fichtnerkill: Shopping and Product Reviews | Drmmp-aqaba.com ...

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Build A Better Website With These Web Design Tips - PDF

Build A Better Website With These Web Design Tips

Learning the basics is the only way you'll become successful in web design. There are
numerous references that a web designer can utilize in order to begin learning. This article is
a great example of such a reference. The following tips will help anyone be a better web
designer.

A site that is going to be successful must work with all browsers. This is why it is vital that
you test all your pages to ensure that they properly display in all the various browsers. What
works in Chrome might not appear the way you want it in Firefox, Internet Explorer, or Safari.
Go through every page with each browser and correct mistakes for a user-friendly website.

One of the most important things you can do to keep your site functional is to ensure that all
links are working properly. Good web design is always user friendly, and broken links, or
links that lead to an error message are very frustrating to your user. Include link-checking as
part of your maintenance routine.

If you are creating a very big website, you want to always incorporate a search function into
the site. Make sure you add a search box allowing your viewers to search for terms in your
site. You can find search functions to use for your site on sites like Google.

Most visitors to your website will be annoyed by popups or links that only open in a new
window. In fact, a lot of users have pop-ups turned off entirely. Because of this, you should
stay away from using this technique. So, instead of opting to use this technique, try to see
how you can improve on your website's navigation system in another way.

Web designers must be realistic with their task-time goals. Working to finish a difficult project
within a specific time may produce bad work, which will only cause more problems in the
future. You want work that you can handle and you don't want to overload yourself.

Photoshop is a very effective and helpful tool when it comes to web design. Many people are
not familiarized with Dreamweaver software, so research this program to see what it can
offer you and your website design.

Ensure that your website is unique and is not too similar to other websites that share your
niche. An easy way to watch for this is to check out the websites of your competitors. A
website that is too similar won't stand out. You will be just another generic version of any
competitors that had their sites up before you.

Remember that web designing doesn't need to be pricey. For each costly, popular program
or tool available for web design, there are equally useful programs or tools that are much
cheaper. For example, open source software that is free can assist you in accomplishing
tasks that are exactly the same as paid software. You can save a lot of money by using

---

freeware or open source software.

Now that you know more about web design, you should feel more confident in regards to
doing it. Keep researching web design, because new knowledge comes out all the time. If
you keep your knowledge current, and keep the advice of this article in mind, you should be
producing valuable web design with much success.

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Source: http://pdfcast.org/pdf/build-a-better-website-with-these-web-design-tips-1

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East LA family, OLA fight foreclosure of home | l.a. activist

Occupiers work on building a barricade in front of the Lucero residence, which is under foreclosure. They are hoping to keep out sheriffs and Deutsche Bank in an effort to stop the eviction of the Lucero family and work out a deal with the bank. (Dan Bluemel / LA Activist)

At the request of a homeowner under foreclosure, occupiers have barricaded themselves inside another home. They hope to stave off eviction and force an amicable arrangement with the mortgage lender.

According to the homeowners, Margarita Lucero and her brother Benito, and occupiers, Deutsche Bank is fraudulently foreclosing on the Lucero home.

On the day the Luceros signed the paperwork for a loan modification, their first payment was already due ? the day before. After making six payments on their loan modification, Deutsche Bank began refusing their payments ? unbeknownst to the Luceros the modification was only temporary.

The bank then put the home into foreclosure.

?From the very beginning of the loan modification process, it was set up to fail,? said Carlos Marroquin of Occupy Fights Foreclosures, a affinity group of Occupy Los Angeles who has been working with the Lucero family.

?They just started rejecting the payments,? he said. ?It was a way of saying, ?We are not going to modify you and we are going to take your house.??

Once the foreclosure process was underway, the Lucero family, who had owned their home for 15 years, filed for bankruptcy to put off their impending eviction, which the courts granted them until Oct. 26. However, a month before, on Sept. 27, acting on Deutsche Bank?s instructions, Atlantic and Pacific Real Estate and sheriffs evicted the family despite the court order.

Forced to live in their car, the family reached out to Occupy LA for assistance.

?Their was a clear violation of federal law; that is a major part of the fraud,? said Marroquin. ?Most of the people, once they are evicted, it is very hard to get anybody back into their home. Fortunately, the family came to Occupy LA, and we understand what it takes to fight this.?

Given the evidence, Marroquin is hopeful the Luceros will be able to keep their home. That, however, does not mean the Luceros and occupiers are not preparing for a fight.

They have been building a barricade in front the residence using discarded plywood, shipping pallets and whatever else they can find laying about. They are readying themselves for the sheriffs.

Activists are ready to take Deutsche Bank and given that they violated a court order, said Marroquin, it would be in their best interest to settle this as quickly as possible.

?They ignore the laws of the land and they go after the homeowner regardless if there are judgments or not,? he said. ?That is very serious.?

Tags: Economic Justice, Homeless, Housing

Source: http://www.laactivist.com/2012/10/14/east-la-family-ola-fight-foreclosure-of-home/

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Dems in Coal States Diverge on Obama Policies

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Verizon Galaxy S III now available in black and brown

Verizon teased on Monday that black and brown models of Samsung's Galaxy S III would be coming soon, but mum was the word on exactly how quickly that would be. Turns out, it was real fast. The pair of smartphones are now available at the carrier's online storefront with a $199.99 price tag for those who don't mind a two-year commitment with Big Red. If the new shades strike your fancy, hit the source link below to give one (or two) of the devices a new home.

Filed under: Cellphones, Mobile, Samsung, Verizon

Verizon Galaxy S III now available in black and brown originally appeared on Engadget on Sun, 14 Oct 2012 03:23:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/7JJIzmEmI2Y/

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96% The Imposter

All Critics (94) | Top Critics (25) | Fresh (90) | Rotten (4)

This is edge-of-your-seat stuff and the difficulty is in the telling of the tale. To give any of this film away is a crime. You simply have to see it for yourself.

The most fascinating aspect of the movie is why the missing boy's family believed the imposter's story.

You may begin to wonder if you aren't being conned by the movie yourself.

Beverly Dollarhide, Nicholas's mother, says of the period after her son's disappearance, "My main goal in life at that time was not to think." Apparently, the filmmakers have taken a cue from her.

Layton's dazzling film is an exciting, edge-of-your-seat experience superior to any Hollywood mystery you're likely to see for a long time.

"The Imposter" becomes more than just a missing-persons drama. It hints at something much darker: a real-life horror story, the full truth of which may never be known.

Superbly crafted documentary about a missing teenager who mysteriously resurfaces after three years, prompting a riveting, better-than-fiction Cold Case-style drama.

If only the movie didn't almost glamorise Bourdin's action, they'd have been onto a real masterpiece.

If you are a fan of true crime stories or the workings of the human mind, The Imposter will blow you away.

... both interesting and repellent.

An unnerving experience and a brilliant piece of documentary filmmaking that peels back the layers on one of the most perplexing stories

Layton layers "The Imposter" with powerful images in the dramatic re-creations, as well as a brooding soundscape and a concise pacing that distributes its information with the reserve of a good mystery writer.

"The Imposter" may be the first movie since "Penn and Teller Get Killed" whose title may need its own spoiler alert.

Every bit as engaging as it is well-shot, it proves once more that truth is, indeed, stranger than fiction.

A mixture of documentary, mystery and thriller, which recounts an astonishing true story that gets more outrageous with each revelation

Strange and intriguing, searching for that elusive essence known as 'the perfect truth.'

Rather like watching a magician pulling off a trick which your eyes cannot see, The Imposter offers its own strange kind of magic.

The story is astonishing enough on its own, and The Imposter succeeds in enhancing its immediacy and intensity.

As his story unfolds, one gets the uncomfortable sensation that a joke is being played. But on whom?

One of the year's most provocative pictures.

Incredibly well-made and with a story you won't forget, "The Imposter" is one of the better docs of the season.

The Imposter emerges as a brilliantly slippery film that demands brain-stretching consideration. Astonishing, indeed.

It's an astounding story, truly, and Bourdin is the most chillingly sympathetic sociopath: frank, remorseless, matter-of-fact.

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Source: http://www.rottentomatoes.com/m/the_imposter_2012/

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