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As if purchasing or refinancing a home wasn't stressful enough, the key professional players in a real estate transaction don't necessarily have their client's best interest in mind, according to real estate and finance attorney David Soble of Proven Resource: contractual limitations, professional conflicts of interest, and lack of proper professional guidance are prevalent throughout the real estate transaction.
An attorney and real estate broker for 23years, Soble has been involved with thousands of residential and commercial real estate sales and refinances. He has represented multi-billion dollar banks and national finance companies as well as helping small business owners and consumers.
Here are 7 things purchasers need to know about the real estate process that are not frequently discussed:
1. Home Inspectors. First. never waive the right to a home inspection. Never. Second, purchasers should select their own home inspector. Real estate agents sell real estate every day, and may have a stable of these home pros, and therein lies the potential conflict of interest that compromises the integrity of the inspection in favor of "getting a deal done". Third, avoid blurring the distinction between an appraisal and an inspection. An appraisal is a professional opinion as to the value of the subject property. That's it. While the appraiser may note deficiencies in the property's condition, it cannot ever be mistaken for a home inspection. An inspection should consist of a thorough examination of a home's mechanical and structural condition. Finally,a home inspector's liability is often limited to the cost of the inspection itself, and no more. So an inspector who fails to note a leaky roof may only be liable for $300, the average cost of an inspection. Therefore, if a specific item is questionable, call on a licensed contractor to delve further and give you peace of mind.
2. Real Estate Agents. It is not surprising that many legal issues involved with real estate transactions involve the real estate agent as they are the center of the transaction. But understand an agent's limitations. Work with a buyer's agent or seller's real estate agent, but not both. Known as a "dual agent", the real estate agent is responsible for representing both parties. There is absolutely no way that a professional can represent the competing interest of a buyer and seller. Purchasers can remove the potential for conflict of interest by hiring their own buyer's agent. Finally, understand that a seller's agent has their professional duty to the seller. Not the buyer. So tread carefully. Purchasers should not disclose information to a seller's agent that they don't want the seller to know.
3. Lending Officers. Residential lenders are required to disclose all of the third party vendors, that they intend to use in a transaction. Appraisers and title companies are third party vendors and loan applicants are not legally required to use them. Find a licensed appraiser or title company before you apply for your mortgage. Also, get "pre-approved" by a lender before going house hunting. Purchasers should avoid using the real estate agent's lender referral unless they are having difficulty securing a mortgage on their own. Loan officers often rely on referrals from agents and they can, and will discuss your finances and credit with the agent.
4. Insurance Agents. Buying a home requires home insurance. After closing on the property, keep the insurance agent informed of significant changes planned for the home. When making any material structural changes that involves wiring or plumbing, or any other change that requires pulling a building permit, don't skimp, pull the permit. No matter how handy a homeowner may be, if there is a fire, flood or other home disaster, the insurance company could deny your claim because your improvements were done without a permit. This is true even when homeowner repairs were not the direct cause of a structural problem.
5. Title Agents. It is standard in the real estate industry to secure title insurance with a home sale or refinance. In a sale, the seller customarily pays for an owner's policy for the buyer equal to the purchase price. If the buyer financed the purchase, then a lender's policy in the amount of the mortgage is paid for by the buyer. Review the title policy. Title insurance has exceptions and exclusions which is based upon what is revealed in the public real estate records. A buyer needs to know these exceptions as it could impede their ability to sell their property in the future. Moreover, when a buyer purchases a home below market value, they should purchase title insurance equal to the home value, not the purchase price. For example, a buyer who purchases a home for $75,000 and valued at $100,000, would be exposed to $25000 in the event of a title claim. No one is ever precluded from purchasing more title coverage. Finally, If there is a title issue, consult with a real estate attorney as no other real estate professional is qualified to comment on the legal consequences of clouded title.
6. Real estate attorneys. While is sounds self -serving, for most people, purchasing real estate is one of the life's most significant legal and financial transactions. Hiring a real estate agent costs about 3 to 6 percent of a home's purchase price. Secure home financing cost anywhere from 1 to 3 percent of the loan amount. Why people sign a purchase agreement, a mortgage loan agreement, or sign off on warranties, title schedules, insurance declarations, or other various third party legal agreements, without the expertise of a real estate attorney, is puzzling. Real estate transactions are all about legal contracts in the end. A loan officer is not an attorney. A real estate agent is not attorney. A neighbor or cousin, may or may not be an attorney. Don't skimp. And when any real estate professionals pushes or "encourages" a home buyer to forgo legal advice, then that in itself is a pretty good sign that a real estate attorney is needed.
The " Great Recession " in 2008 has had a lingering effect on how banks lend money to small business owners and entrepreneurs. Gone are the days when small businesses have fast access to bank credit at competitive interest rates. Instead, alternative non-bank lenders, led by companies such as On Deck, Yellowstone, and Cash King, are filling the lending void, growing rapidly on the backs of unwary small business owners.
Here are 5 things small business owners should consider before taking out an "alternative" business loan:
1. Rates That Make Former Sub-Prime Mortgage Lenders Blush. High rate loans are the rule rather than the exception for alternative lending sources. These lenders are not banks and therefore are not federally regulated, unlike companies that provide loans to consumers. Instead these loans are often funded by private investors selling credit at effective annual rates that commonly exceed 30%.
2. Non -cancellable Daily ACH's. Since alternative business lenders don't look at individual or business credit ratings, their risk of not getting paid back is high. They rely on a business's cash flow only and expect to be paid daily rather than monthly, by using a non-cancellable automatic payment deduction ("ACH") out of the borrower's account. The lender can immediately call a loan in default should a business owner fail to replenish their designated account. This exposes the borrower to litigation and further expenses. Borrowers should be confident that they can meet their daily, rather than monthly, obligations.
3. Arbitration. Alternative loan contracts generally have expensive arbitration clauses where the debtor agrees to forgo the traditional legal process for a binding decision from designated arbitrators. Arbitration clauses are not favorable to borrowers. They often dictate where a legal case can be heard, usually in a creditor friendly state far removed from the borrower. This creates added expenses to a case even before it's heard on the merits. Arbitration decisions usually cannot be appealed (" binding arbitration "). Finally, professional arbitrators have been criticized for having biases in favor of lenders since successful arbitrators make their living from work referred to them by the lending industry.
4. Consent Judgments.Many lenders have business borrowers essentially endorse a "consent judgment" before the the ink is even dry on the original lending agreement. In a consent judgment, the borrower admits to a default and to the terms of a judgment against them, waiving any legal protections that they might otherwise have. Lender's will say that this instrument is harmless and only used in the event of an actual default. It's a disturbing trend because it sets the borrower up for failure and legally neutralizes them. (Imagine a hospital locating a corn beef stand next to the cardiac care unit or meeting a bank's REO bank officer right after you close on the purchase of your home.)
5. Personal Guarantees.While the business loan is given to the business in name, the small business owner often personally guarantees the payments in the event that their business fails. Personal loan guarantees are an integral part of the lending agreement, so borrowers should think carefully before signing. Lenders will look to the former business owner to make payments long after a business closes it doors.
Alternative business loans appeal to business owners because the loan process is much faster than traditional lending sources (some lenders say a loan approval can be given in less than 48 hours) and there are no personal credit requirements. If you don't need the money "yesterday" (these type of lenders anticipate that you do) then one should seek assistance through a non-profit dedicated to helping business owners in all areas of business and finance, a SBA lender ( Small Business Administration ), or the assistance of a knowledgeable business attorney who can help you negotiate a far better loan agreement.
About the Author:
Since 1990, David Soble has represented lenders, loan servicers, consumers and business owners on residential and commercial real estate, finance and contract issues. He has been involved in thousands of real estate transactions and has been responsible for billions in real estate loan portfolios throughout his career.
According to business periodicals such as Entrepreneur Magazine , Inc. and Forbes , with the beginning of each year comes an increase in new business start-ups. Perhaps this is because people are seeking an increase or alternative means of income, job independence, or a more rewarding career. Whatever the reason, since the Great Recession of 2008, new business filings trend upwards this time each year.
Regardless of the time of year, new business owners tend to overlook 3 important considerations that expose them to financial risk and legal liability. They are:
1. Meet Filing Requirements. Corporate filing and licensing is a mundane but necessary task. Without proper paperwork, a business may not have "standing" to bring a suit in court because they are not recognized as a legal entity authorized to perform business. Seeking to collect past monies owed or to enforce a contract? " Lack of standing " is a valid defense to a lawsuit On another note, if you intend to conduct business in another state, you must also meet that state's corporate filing requirements as well.
2.Create A Meaningful Operating Agreement. Creating a business entity without an operating agreement falls short of good business planning. Failing to detail your own operating agreement generally means that in the event of a dispute or corporate governance problem, less favorable 'boiler -plate" language from a legal form "factory" or state statutory language could be substituted and control how your business relationships operate -contrary to your initial intent. This is especially true where multiple owners are involved as disputes will invariably arise.
If a business relationship falls apart (The Small Business Administration statistics state that one-third (⅓) of all new businesses close in the first 5 years) it's best that business owners have predetermined termination terms in their operating agreement, as opposed to having terms imposed upon them by statute or third parties such as an arbitrator.
3. Read and Understand Contract Terms . Conducting business on a handshake, however sincere, is a thing of the past and impractical in today's fast -paced global economy. Business owners encounter contracts in all forms: service agreements, leases, loan agreements, guarantys, joint ventures, co-marketing, purchase agreements and client agreements are to name but a few. Reading through just one of these documents can be daunting and time consuming. Most "boiler -plate" contracts are drafted by attorneys and have extensive and onerous "default" provisions. Don't " sign on the bottom line" until you have read your contract for meaning. If you don't understand how a contract provision affects you and your legal rights, then by all means consult with your own attorney–not a real estate or leasing agent, not your cousin in law school, and certainly not 'their' attorney. Consult with your O-W-N attorney. And do it before, not after, you sign a legally binding document.
Never is the old adage, "an ounce of prevention is worth a pound of cure" more appropriate than in today's business climate. Experienced business and real estate attorneys regularly address countless variables experienced by businesses just like yours. Many attorneys will provide new entrepreneurs with a free initial consultation and it's a solid business decision to take such a meeting.
About the Author: Since 1990, attorney David Soble has been responsible for billion of dollars in real estate and finance matters representing the interests and legal needs of both small business owners and consumers alike. David can be reached at 888-789-1715.
Disclaimer: You should not rely or act upon the contents of this article without seeking independent legal advice from a qualified attorney.
I just read about a tragic and avoidable event that happened last week. According to The Washington Post, a Manhattan couple jumped to their deaths from the ledge of their 9th floor apartment. The couple, a chiropractor and his wife, reportedly left a suicide note citing their ever increasing debts as the reason for their despair. Apparently, they were good people; They were well liked by their friends and patients. They are survived by their two children. ( See The Washington Post, July 29, 2017 .)
After reading this article, I was immediately taken back to the events of 2008 and the devastating financial wake of the Great Recession. Many businesses and lives were ruined - all because of debt. I know. As the chief enforcer / attorney for several national lending institutions, I was in the thick of it. I was responsible for the collection of billions in defaulted loans and my job was to vigorously pursue delinquent debtors and 'cure' non-performing loans.
Even in today's economy there are still people who struggle financially for a number of reasons that include, but are not limited to, underemployment and stagnant wages. Here are 5 things I wish to impart to those who are burdened with mounting debt and the ever-advancing debt collectors:
1. Communicate. While it may not feel good, keeping the lines of communication between creditor and debtor benefits both parties. Believe it or not, banks and creditors want to work out payment arrangements as opposed to litigation. Ignoring and avoiding creditors gives a creditor no alternative but to escalate a collection action. This increases debtor anxiety and reduces opportunities for a reasonable settlement.
2. Contact a professional early in the process.
For those who are uncomfortable with negotiations or confrontation, contacting a professional about a debt issue may be the answer. For small loan balances, reach out to a non-profit credit or debt counselor early in the process. Larger note obligations or guarantees require the attention of a seasoned professional.
I am frequently retained by clients only after they have already been "steam rolled" by their creditor. These clients thought they could "go it alone." I can tell you that cleaning up a legal and financial mess after the fact is far more challenging and expensive than when someone comes for legal advice at the onset of their problem. (See my article, "Just What Is The Law of Holes?" at http://bit.ly/prholes ). Dealing directly with a creditor without proper representation is not the best approach and most often costs a debtor more money in the long term.
3. Don't bring a knife to a gunfight.
The American Bar Association lists over 75 practice areas of law. Not all attorneys specialize in debt or loan law. Speaking with the appropriate attorney can prevent costly mistakes. While at the banks, there were many occasions that I had the pleasure of sitting across the table from a debtor's divorce attorney or personal injury attorney. It made my job easy and I welcomed them. The old adage, "don't bring a knife to a gunfight" is never more true than in lending and finance law where debt agreements are usually complex and highly regulated.
4. Beware of scam artists - they're everywhere .
Avoid individuals and companies that aren't properly credentialed and that have not been rated by their industry peers. In fact, when it comes to consumer issues, almost all professionals working with the public require a state or federal license. Verifying an adviser's competence and reputation should be a debtor's top priority. Today as I sit to write this article, The Washington Post features an article about how a California modification scam recently swindled thousands of homeowners out of their home equity, and many lost their homes because of it. Remember: "Trust but verify."
5. It really will be okay. Sure it sounds simplistic and trite, but with the right professional guidance and some patience, the sting of debt issues subsides over time. There are many ways to successfully approach serious debt issues without filing bankruptcy, such as seeking a court ordered installment payment plan, graduated settlement options, structured debt forgiveness, and being declared 'uncollectable." To learn more about these and other options one has to actively seek help. (According to a CreditCards.com poll, 85 percent of respondents said they were unlikely or somewhat unlikely to talk with a stranger about credit card debt -- a subject that is more taboo than religion, politics, salary and love life details.)
Conclusion. Nothing is more professionally and personally gratifying than helping a business owner or individual through the darkness that is mounting installment or revolving debt. I have ushered thousands of people through their debt issues, without bankruptcy, and after they successfully enter into a negotiated settlement, the difference in their demeanor is truly night and day. Once debt problems are resolved, it is as if you can see the heavy financial burden lift off a client's shoulders. I only wish the poor couple from Manhattan could have known this relief as well. R.I.P.
About the Author: Since 1990, Michigan attorney David Soble has represented lenders, loan servicers, consumers and business owners with legal matters related to finance and real estate. He has been involved in thousands of real estate transactions and has successfully negotiated and saved millions for his clients.
Disclaimer: You should not rely or act upon the contents of this article without seeking advice from your own, qualified attorney.
This week, the FBI and local law enforcement officials raided the business offices of realtor Ralph Roberts . Roberts is the subject of an ongoing criminal investigation and several news probes. In controversy is his alleged 'misuse' of the Michigan public administrator system. It's supposed that Roberts finds properties of deceased homeowners, uses a public administrator to open an estate in probate court, and then bills the estate for his sales commissions and other "services."
At first blush, I find Robert's alleged sales practices ignoble, to say the least. But until the authorities release more of their findings, I am not convinced that this contentious salesman has done anything illegal. What this investigation does confirm however, is that in the business of real estate, people are always looking for another 'angle' to make 'big' money, and every so often, they will knowingly cross the line to the detriment of unwitting homeowners.
Here 7 things you can do to protect your real estate from "charlatans' and (frankly) from yourself:
1. Say no to blank documents. Never sign any blank documents. If you are unsure, make a large "X"on the blank page, and then sign beneath it. Similarly always retain a copy of your signed contracts.
2. Know before you sign. In the real estate business, written contracts define relationships, obligations and one's legal rights. If you read a contract and don't understand it, don't sign it. Also, never rely on an explanation of "how things work" from the party who stands to benefit from your lack of knowledge.
3. "Fake" attorneys . Similar to the preceding paragraph, don't accept legal advice from someone who is not a licensed attorney. Accountants, doctors, real estate agents, mortgage brokers, or the county clerk are not attorneys and cannot dispense legal advice or draft legal documents. In other words, ignore the outside chatter of your "mother's friend's sister's son." Odds are (1) they aren't an attorney, (2) their situation has a different set of facts and is not completely on point, and (3) they won't be there for you when @#$%@# hits the fan.
4. Record your property interest. Always record your property deed with the county in which your property sits. Holding onto an unrecorded deed does little good to notify the world that you have ownership in a particular piece of real estate. If you 'snooze' and don't record your property interest, you can 'lose' your property rights.
5. Save the D.I.Y. for Home Depot. Drafting your own deeds or other legal documents without the proper language and legal guidance is a recipe for disaster. Unwinding a real estate transaction (or any contract for that matter) involving a person(s) that you have grown to hate, can be very expensive and emotionally draining. It only becomes worse when you find out that your D.I.Y. contract inadvertently gave another party more legal rights and protections than you gave yourself.
6. Open your mail, @#$% - it. Unless you're a clairvoyant, open your mail. Important legal notices that affect legal rights come in the mail. They aren't often texted. Legal processes have sensitive timelines. Miss a legal deadline and it becomes almost impossible and very expensive to reinstate your rights. People pay more attention to what they're going to "binge watch" on Netflix than they do to their legal rights. Give your legal issue the proper attention it deserves so that later on you don't have to devote all of your time, energy and money to cleaning up a legal mess.
7. Consult with an attorney before "Google." Our property laws are deeply rooted in centuries of legal history and case law. Lawyers devote years of their lives to their legal education and to their practice to perfect their craft. One or two Google search results cannot adequately address a legal problem. Consult with an attorney who specializes in your area of concern.
Bonus Item. In the real estate business, nothing of value is free. There is tremendous value in seeking "preventative" legal advice, but beyond that and above all else, when it comes to all of those "great" real estate deals that your friend or family member has turned you on to...remember this one axiom, "nothing of value is free.."..repeat…."nothing of value is free" ..".nothing of value is free...."
About the Author: Since 1990, Michigan real estate and finance attorney David Soble has represented lenders, business owners and individuals in real estate, loan, and contract matters. He has structured countless real estate transactions worth millions, and has successfully saved millions of dollars for his business and consumer clients.
Disclaimer: You should not rely or act upon the contents of this article without seeking advice from your own, qualified attorney.
Over the last two months, several clients ( prior to hiring me) lost a combined total of $1,729,631 because (for whatever their reason), they failed to file their real estate documents publicly with the county recorder. Their property rights as evidenced by various deeds, trusts, assignments, land contracts, mortgages, and liens, simply went unnoticed. Most of the properties were lost to the taxing authorities or through foreclosure, because the clients were never notified of a property auction. Other properties were sold or mortgaged to third parties who had no idea that my clients also had prior property claims. Whatever the cause, $1.7 million is an alarming figure when the solution against such loss is so easy.
Nationwide, state property laws encourage, but do not require, anyone with property interests to record them in their county recording office. Recording real estate transfer documents protect against situations where the same property interest is transferred multiple times, (ie. seller grants a mortgage for the same property to two different lenders). State laws all but determine which party's interest prevails based upon when a deed, a mortgage or other documented interest is filed with the recording office. The laws predominantly favor those who properly record their property interests over those who don't.
Recording real estate documents into a property's ' chain of title ' provides "notice to the world" (known as "constructive notice") of one's property interest. By not appearing in the title chain, interested parties will not receive legal notices concerning the property, such as tax notices or lien filings. More importantly, in almost all instances, good faith purchasers, lenders and other lien holders who are unaware of prior outstanding, but unrecorded property interests, have superior claims when challenged by property owners who failed to record their property interest.
The list is not exhaustive, but generally all real estate deeds need to be filed. Where land contracts are concerned, it is important that the buyer have a Memorandum of Land Contract recorded. Too often is the case where a seller has sold a property out from underneath a land contract buyer, all because no evidence of the sale was ever recorded with the county. Most title or closing agents will file real estate transfer documents as part of their business for a small fee. Lastly, mechanic liens, judgment liens or claim of liens against a property need to be recorded in a timely manner to be effective. If you are unsure about filing requirements, contact a real estate attorney.
Remember, in order to protect your property interests against title claims or loss, it's important that your real estate documents show up in the public records 100% of the time.
About the Author: Since 1990, attorney David Soble has represented lenders, loan servicers, consumers and business owners in real estate, finance and compliance matters. For over 25 years, he has been involved in thousands of real estate transactions and has successfully negotiated and saved millions for his business and consumer clients.
Disclaimer: You should not rely or act upon the contents of this article without seeking advice from your own, qualified attorney.
With the steady influx of property investors seeking to stake their claim in the phoenix that is Detroit , comes various investment property management challenges. Listed here are 5 common problems that new real estate entrepreneurs face when moving to sever the property rights of a delinquent property owner or tenant:
1. The Tenant / Occupant Won't Leave. Avoid 'self- help.' Landlord 'self-help' for locking out an occupant is, with rare exception, illegal and has serious financial and legal consequences. The same is true for investors who seek to extinguish a mortgage or land contract . An eviction action is required when the former homeowner or perhaps event their tenant, remains in the property after the foreclosure redemption expires. The mere fact that the redemption period has expired does NOT give the lender rights to enter the property. Shutting off utilities or changing door locks is considered 'self help" and can expose an investor to liability in actions of trespass, property damage, and even emotional distress.
Solution: Legally sever the possessory interest by filing an action for eviction and secure a judgement and writ for eviction. I know of several cases where an investor is ready to close on the sale of their property, only to be sued by a former owner or tenant whose legal interest in the property had not been properly extinguished.
2.The Former Property Owner or Occupant Files Bankruptcy . Equally as serious as landlord 'self help' is when a creditor violates an automatic stay after the tenant or homeowner files bankruptcy. An automatic stay halts all collection activities and this includes eviction and foreclosure actions. The 'stay' has to be lifted by a federal court order. Creditors, such as landlords and mortgagees, who knowingly violate a bankruptcy stay face severe fines, sanctions, and attorney fees. They may even have to pay damages.
Solution: Once notified of an occupant's bankruptcy, stop any and all collection efforts until you have a signed order "lifting the stay". When in doubt, consult with legal counsel.
3. Failing to Understand Choices of Rights and Remedies. Investors, particularly those who purchase out of state properties, should know what type of property interest they hold and the legal rights that the interest affords. In Michigan, mortgage holders do not have a fee simple interest in a property, only a lien interest. So when a former property owner abandons the collateral, an investor cannot legally sell the home until they foreclose out the homeowner's interest or unless they obtain a Deed in Lieu of foreclosure.
More importantly, investors need to know which legal process to use in order to accomplish a specific goal. For instance, in a land contract matter, a judicial sale can be used to preserve a deficiency for a vendee's default, whereas a land contract forfeiture gives the land contract vendor possession only.
Solution: Investors should consult with a real estate attorney licensed in the state where they plan to invest and clarify their legal rights before they engage in purchasing investment properties or pursuing legal action.
4. Property Tax Foreclosure . It is not uncommon for investors to run up against property tax foreclosure deadlines as delinquent taxes are an inherent part of purchasing distressed properties. Until proper due diligence is performed, it makes little economic sense to initiate any legal actions for foreclosure, eviction or forfeiture, if the property would only be lost to tax sale before an investor's legal action is completed.
Solution: Perform a title search and make arrangements to pay the taxes before initiating legal action.
5. Deeds in Lieu of Foreclosure . A Deed in Lieu of Foreclosure ("DIL") is a deed executed by the homeowner that satisfies a loan in default in exchange for the mortgage holder to forgo the foreclosure process. However, taking a DIL without performing a title search or without drafting the proper supporting documents is rife with problems.
First, a DIL is similar to quitclaim deed in that the mortgagee takes title to the property with all liens, encumbrances and assessments that the former property owner incurred on the property. Sometimes the amount of liens are so excessive that it makes more sense for the investor to foreclose on the property and pursue a deficiency action against the former property owner.
Second,, specific legal provisions are required in the DIL documents, without which, an investor can experience difficulties foreclosing out subordinate lien interests or in obtaining title insurance for a later sale of the property.
Solution: Perform a title search and if you plan to take a DIL, don't do so without having a qualified attorney first prepare DIL documents.
6. Boilerplate or Self -Generated Documents. There is an old adage that ' a contract is valid until someone legally challenges it.' Property investors are often surprised to learn that their self- prepared documents may actually violate federal or state laws. Unfortunately they only discover this at court placing their own legal interests in jeopardy. Indiscriminately using online or "boilerplate" forms to prepare a land contract, private mortgage, or lease back can be legally hazardous. For instance, selling back a property to a former homeowner raises federal compliance issues under RESPA (Real Estate Settlement Procedures Act) and leasing back a property to a former homeowner creates a landlord / tenant relationship that ironically requires the investor to obtain a certificate of occupancy and make city required repairs on the former homeowner's home.
Solution: Rely on an experienced real estate lawyer to review and draft the state- specific contracts that will be used in property transactions. It will reduce future legal headaches, losses, and uncertainties.
Conclusion: Don't be the 'Test Case." When in doubt of how to legally proceed with severing a former property owner's rights, it is best for the new real estate investor to seek out an experienced real estate lawyer.
About the Author: Since 1990, attorney David Soble has represented lenders, loan servicers, consumers and business owners in real estate, finance and business matters. He has been involved in thousands of real estate transactions and has successfully negotiated and saved millions for his business and consumer clients alike.
Disclaimer: You should not rely or act upon the contents of this article without seeking advice from your own, qualified attorney.
When clients are confronted with a complex legal problem that has a lot of moving parts, it can be difficult for them to 'see the forest through the trees'. I offer clients overwhelmed by a complicated real estate or finance problem, the following 5 items to consider so they can effectively tackle their source of stress.
1. Get organized. Staring at a pile of miscellaneous documents can weigh on one' moral and motivation. Take the time to sort important paperwork in manilla folders. For example organize papers by a vendor, an antagonist, chronologically, by subject or concern, by contract, loan(s) or lease(s). You'll feel better once you're organized and you'll help your advisors address the problem more quickly.
2. Define the "what" "when" and "how". Complex matters often have a series of tangled and interrelated problems. Write down all the problems that present themselves in a particular situation. Then define how you intend to solve each problem. There may be several ways to approach each problem. List them. Ask yourself, "what can I do to create any movement that will make me happy with my progress?" Now realistically define the time frame that you expect to address and be done with the problem.
3. Prioritize. Resolving complex problems requires one to prioritize each step or action necessary for a resolution. Prioritize and strategize what has to occur first before you can move ahead to the next task.
4. Don't make quick decisions. Never let anyone, particularly the antagonist in your situation, push you into making a decision. Consider the "24 Hour Rule". Take 24 hours to weigh the pros and cons of a decision. Remember, complex problems took time to create. Take time to think about the consequences of a decision.
5 Give yourself a break. Ruminating about a problem 24/7 does not solve the problem. In fact it can stress your physical and mental health. Think about all of the good decisions that you have made in the past under stress. Eat well, rest and exercise for a clear head.
A mentor once told me that successful problem solving is like eating a whale –you have to eat it one bite at a time. Envision setting a table to feast on your problem — calmly organize your documents, define the problem(s), and prioritize your proposed solutions using realistic time frames that will make you happy with your progress.
Keeping Control of Aging Parent's Property
Greater longevity for Americans has expanded the population aged 75 and over. The U.S. Census Bureau states that the number of people reaching their 80s and beyond will sharply increase in the ensuing decades and as elderly parents age, more financial responsibilities are placed upon the shoulders of their adult children. Senior housing issues are a genuine concern for adult children who want to ensure that their elderly parents can maintain personal dignity, safety and a sense of control while still living in their home. Homes too, are filled with much sentimental values and memories and these must be respected.
Here are several financial and housing considerations adult children should explore so that their parents can remain in their home:
A reverse mortgage is a residential loan specifically designed for seniors. A reverse mortgage allows the homeowner to convert a portion of the home's equity into cash, while eliminating the possibility of having to sell the home. Aside from the fact that a reverse mortgage will deplete assets left to potential heirs, they must be paid off in the event the owner leaves the home for a year or more. So in the event that an elderly parent will have to move to a different housing environment because of illness, the entire loan balance becomes due if the parent fails to return to their primary residence within one year.
Reverse mortgages generally require that the homeowner pay annual property taxes and in my experience this is a source of many senior homeowner defaults. So before obtaining a Reverse Mortgage, one should consult with a real estate or elder care law attorney.
Conversion to Rental Property
One option that is often overlooked by adult children is leasing the home to family members. This provides some security that the home will be well maintained and cared for by a relative or close friend while one's parent still remains in the home. As with any business transaction proper due diligence should be taken with regards to drafting a lease agreement. Consult with an attorney for a thorough agreement.
Professional Home Maintenance
Hiring a professional property maintenance company is one way to make sure that the home is maintained both mechanically and visually, reducing the physical demands of upkeep on one's parent. Having maintenance services will also free up the time and energy needed to attend to a parent's physical care. Another consideration is that a well -maintained home is much easier to sell at a later date when necessary.
Make sure that the property management company is licensed and bonded. In many states a real estate agent can provide property management services without holding any additional licensing. But property management is a profession unto itself. It's best to confirm that an agent devotes a large majority of their business to home preservation and even better to hire a property management company that is referred by a trusted source.
Professional Personal Assistance
Most seniors want to live as independently in their homes for as long as possible. There are options that exist to make this as convenient and dignified for senior homeowners. Housekeepers can do the heavy cleaning, a visiting nurse can do home check ups and attend to other medical issues. Seniors can even receive meals delivered daily. Unskilled Home Care Services are increasingly popular these days, but adult children should perform a thorough background check on such services. See below.
Protect Seniors From Scams Targeted at Homeowners
The U.S. Federal Trade Commission ("FTC) regularly reports scams that are focused on senior citizens. Senior homeowners are easily targeted because they are often isolated from their neighbors and become easy 'prey." Advise family members to never give out any sort of information over the phone or to respond to door to door solicitations. Assist them with checking their bank records and credit reports often and to offer immediate assistance if their are any warning signs of abuse or fraud.
David Soble is the principal of Soble PLC and founder of Proven Resource LLC . He has been a real estate and finance attorney for over 25 years and as a member of the National Care Planning Council (NCPC) he focuses on senior issues as they relate to real estate and finance.
Assisting loved ones who begin to lose their ability to think clearly and make rational decisions is not easy. It's not uncommon for some elderly to become unable to make sound decisions about a variety of issues including finances , health care and managing themselves at home. Below are a few legal options for children of aging parents to consider when assisting a loved one.
A Power of Attorney grants legal authority to an individual to make decisions on behalf of another. Laws for creating a Power of Attorney vary from state to state. They can be limited to specific issuesor broadened to handle many issues such as personal and financial matters, including real estate . In Michigan , a Power of Attorney addressing the sale or refinance of real estate must be filed in the county records where the property is located.
A person can use an advance directive to make provisions for health care decisions in case that person becomes unable to make such decisions. There are two main types of advance directives : a Living Will and Durable Power of Attorney for Health Care . In some cases, a hybrid of these two directives can be established.
Living Will
This is a signed, witnessed document called a declaration or directive which instruct an
attending physician
to withhold or withdraw medical intervention from its signer if the signer's condition is terminal and is unable to make decisions about medical treatment.
Durable Power of Attorney for Health Care
This is a signed, witnessed document in which the signer designates an agent to make health care decisions on behalf of the signer if the signer is temporarily or permanently unable to make such decisions. The agent in this case will have the authority to decide if health care will be provided, withheld or withdrawn from the signer.
Only a Power of Attorney that specifically addresses real estate will give the agent of the signor, usually an adult child, the authority to deal with a mortgage, loan or disposition of real estate while the signor is living. The other 'directives' concern health care and related health issues. All three are significant to good asset planning and protection.
Consider speaking with a qualified attorney to learn more.
March 17, 2015
By: Bill Bischoff
Chances are you've spent plenty of your free time thinking about the money you'll have available at retirement. But what have you done to plan out your estate? The sad truth is that most of us — some 70% of adult Americans — have neglected to write a will. Some think their assets are just too puny to worry about, others worry that the costs of writing a "last will and testament" are too high. But wills aren't just vehicles for the wealthy or the morbid. If you've got a family and a home — not to mention a savings account — you should definitely have one. Cost is no excuse. While the average will drawn up by a lawyer typically runs from $500 to $1,000, you can get a simple will at a legal clinic for as little as $75 or create your own with an online vendor for even less. For most people, the first time in your life that a will becomes imperative is when you have children. Forget about your assets for a minute. In the terrible event that you and your spouse die at the same time without a will, it falls to a probate court judge to name a guardian for your minor children — not a pleasant prospect. That is why it is a crucial first step to name a guardian for your minor kids. Our experts recommend naming an alternate guardian in the document, as well, in case something happens to your first choice.
Writing a will, of course, is also your chance to clarify who gets what in your estate. Before you can do that, however, you have to tally up your assets. That includes your house, your investment portfolio, the value of your retirement plan account(s), and the payout(s) from any life insurance coverage . After adding these things up, most folks discover that they are worth more than they initially suspected. Find your new home now ... Address, City, Zip Price Advertisement Once you've got your assets listed, you can decide what you want to leave to whom and who will be executor of your estate. One important caveat: Make sure that the beneficiaries listed in your will match the beneficiaries you name for your insurance policy and for your 401(k) and any other retirement accounts. If not, the beneficiaries named in these other documents will be the ones who actually get the money. Now, if you want to do any more complex estate planning, chances are you'll have to set up a trust, which isn't cheap.
They cost as much as $2,000 to $3,000 or more. The primary reason people go to this kind of trouble is to protect their heirs from having to pay hefty estate taxes that can turn their carefully built nest egg into chicken feed. Or to protect their heirs from themselves if they are — to put it kindly — not very financially astute. Remember: for every dollar you leave behind over the unified federal gift and estate tax exemption amount ($5.43 million for 2014), the IRS will take 40 cents for the federal estate tax. Once you have a will in place, don't forget to update it regularly. You'll need to amend it whenever there is a big change in your family's circumstances — a birth, a death or marriage, or even if you move out of state. A will might seem like a hassle, but that is nothing compared with the hassles your heirs will experience if you die without one.


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In addition to providing recreational enjoyment, riding in go-karts and playing miniature golf are excellent ways to prepare children for a future filled with high-speed car chases and malevolent windmills. Provide a smile-inducing tomorrow with today's Groupon to Lokomotion Family Fun Center in Fayetteville. Choose between the following options:
Lokomotion Family Fun Center paves the way for friendly competition and family fun in a multi-attraction complex filled with arcade games, mini golf, laser tag, go-karts, and bumper boats. Feed fistfuls of tokens ($0.25 value each) into a multitude of games to shoot hoops, smack air-hockey pucks, and recklessly race virtual cars without being grounded for hitting the neighbors' mailbox. Take aim at sibling rivalries during black-light laser-tag games or spray down peers in the bumper-boat pool. Thirty-six mini golf holes border an Illinois River tributary, setting a beautiful scene to knock grandma off the top of the family standings. Four different go-kart tracks separate racers by age with single-seat pro-track cars for licensed drivers and double-seated family-track cars that liberate backseat drivers.
CoupFlip is a marketplace for people to buy and sell deals from "daily deal" (also known as "group buying") sites such as Groupon. On CoupFlip you can buy deals you missed, look for interesting deals in your area, or sell any deal you bought and won't use. The purchase is immediate - pick the deal, pay, download the voucher instantly and enjoy. Every voucher is guaranteed to be authentic by CoupFlip. For sellers, we provide the opportunity to sell your unwanted deal immediately without the hassle of listing your voucher and praying someone comes along and decides they feel like buying it.
It is completely free to buy and sell vouchers on CoupFlip!
See our FAQ page!
Daily deals make it possible for you to try something new or indulge in something lavish without the high price tag these things usually come with. If you ever have the need to buy and sell deals at any time, we're here to help. At CoupFlip, there's no need to worry about limited time offers on city deals or the long wait for a buyer.
What makes our listing different is that you can feel free to browse through our selection of vouchers at your leisure and pick the ones that you need. Thinking of going out for a meal or planning a vacation? Use our search bar to find the best deals you might have missed on Groupon.
If you're thinking of a Groupon return because you've changed your mind about a purchase, why not consider selling the voucher through us instead? We'll handle the work of offering your last minute deals to interested buyers.
Buy or sell coupons without any difficulty. Here at CoupFlip, we promise you a convenient way to buy and sell deals at any time.

subset: commoncrawl


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Note : Your Quotation Request will be directed to Mercury Systems.
The SM2025-44L from Mercury Systems is a RF Amplifier with Frequency 2000 MHz - 2500 MHz, Gain 55 ±1 dB, Gain Flatness ± 1.0 dB, P1dB 44 dBm, P1dB 25 Watts. Tags: Power Amplifier. More details for SM2025-44L can be seen below.
12,000 Watt TWT Microwave Amplifier System from 2 to 4 GHz
0.03 to 2.7 GHz, 1 Watt, Monolithic Amplifier
You can now find similar products from multiple companies on everything RF.


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The behaviour of Irish ISEQ index: some new empirical tests
This study applies statistical tools, derived from chaos theory, to examine the behaviour of the ISEQ equity index on the Dublin Stock Exchange. Evidence that the ISEQ index series does not behave as a realization of a sequence of independent, identically distributed random variables (IID) is provided.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Volume (Year): 10 (2000)
Issue (Month): 6 ()
Pages: 693-700
|Contact details of provider:
| Web page: http://www.tandfonline.com/RAFE20
|Order Information:
|Web: http://www.tandfonline.com/pricing/journal/RAFE20
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Winds that howl through the trees, making your windows shutter and your house creak, is not an uncommon phenomenon in Colorado. The eastern slope of the Rocky Mountain range is no stranger to heavy gusts of wind up to 100mph, and if you're not vigilant, these intense gusts of wind can huff and puff and blow your house down. Or, just blow your roof off.
Heavy gusts of wind can damage your roof
In extreme wind conditions, your roof is particularly vulnerable to damage. Years of experience with wind damaged roofing systems has taught us a thing or two about designing and installing a roof that can stand tough against a massive wind storm. But even with all the modern technology and stronger materials on the market, sometimes there's nothing you can do to prevent wind from blowing through town, leaving a wake of damaged shingles behind.
When the wind blows across your roof with a powerful force; it doesn't blow evenly across the surface. One section of your roof will end up taking the brunt of the force, and this one section – no matter how tough the materials – will eventually crack under the pressure. It's a little bit like wrapping an egg in the palm of your hand and squeezing it tight with even force. Amazingly, the egg will stay intact. But, if you shift the pressure to the tip of one finger, putting all the pressure on a single spot, the shell will crack. That is how your roof reacts to wind. As a whole, your roof can be impenetrable, but if you keep applying pressure to one area, or blowing powerful gusts on one area, then that area will have a hard time, eventually buckling under the pressure.
Inspect your roof for wind damage
When you wake up after a night of howling winds, give your roof a quick inspection. The weakest areas are the eaves that overhang the edge of the roof. Missing shingles or broken shingles on your lawn is an obvious sign that the wind landed a blow, but you should also look out for shingles or roofing materials that appear to have been "lifted up".
Roofing inspections and repairs in Colorado
Take measures to fix even the slightest damage to your roof. A shingle that has shifted during a windstorm is now exponentially more vulnerable to further damage during the next windstorm. A quick fix now will prevent more serious and expensive repairs in the future.
Not sure how your roof is holding up, schedule an inspection.


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A Study of Fitness Trackers and Wearables
We explore how fitness trackers and wearables have developed over time and what the future holds
Matt Miller and the Rise of Broga
We talk to TV presenter, bodybuilder, leading personal trainer and founder of Broga, Matt 'The Pillar' Miller.
A Guide to Being Self-Employed in the UK
We explore the self-employed opportunities available to qualified fitness professionals
Yoga for Hip Flexibility and Stability
Expert teacher Sally Parkes explains how yoga can be used to improve hip flexibility and stability
An Introduction to Hatha Yoga
Discover how hatha yoga has developed over time and the impact it has on modern practice
Lee-Ann Carnall
What is your background in exercise? I have worked within sports development and coaching for the past 8 years with […]
Scott Hardy
I enjoy keeping fit and go to the gym regularly. I also enjoy training for and playing semi-professional football on […]


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810 A Bay Ave.
Capitola 95010
« All Events
Contracts for students enrolled in Company for the 2017-2018 school year are due.
A Kathleen Schelhorse
1 week ago
Amelia wanted me to share this with you guys.... ... See MoreSee Less
Charlotte OC - Medicine Man (Pointe To Pop)
Featuring Tiler Peck. Directed by Steven Cantor. Choreography by Christopher Wheeldon. "Medicine Man" by Charlotte OC is out now on Harvest Records C...
2 weeks ago
Waiting for dance to begin....www.dancenterinfo.com ... See MoreSee Less
View on Facebook


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- select colour
it's an internet thing!
it's an internet thing!
"People let their own hang-ups become the obstacles between them and personal happiness."
"Happiness often sneaks in through a door you didn't know you left open."Lucinda Williams on John Barrymore
"Happiness is not something ready made. It comes from your own actions."Lucinda Williams on Dalai Lama
"Most folks are as happy as they make up their minds to be."Lucinda Williams on Abraham Lincoln
"I am determined to be cheerful and happy in whatever situation I may find myself. For I have learned that the greater part of our misery or unhappiness is determined not by our circumstance but by our disposition."Lucinda Williams on Martha Washington
"Happiness is when what you think, what you say, and what you do are in harmony."Lucinda Williams on Mahatma Gandhi
"Back in the 1960s, I saw Peter, Paul and Mary. I was at that age, about 14, and I was mesmerized."
"I just broke up with my boyfriend, and I've been spending more time alone than I'd like."
"Of course, I'm older now. I'm in a different place in my life than when I wrote the songs for 'Car Wheels' or 'Essence' or whatever. Different things were going on."
"You should put time into learning your craft. It seems like people want success so quickly, way before they're ready."
"Just because I'm talking about something that might have been a sad or painful situation doesn't mean that I'm sad or tortured 24 hours a day any more than anybody else is."


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Josef Realty Services, Inc. 10805 Sunset Office Dr. Suite 102 * Sunset Hills, MO 63127
Areas of practice: Residential appraisals, Tax Appeals, Divorce & Estate Appraisals, FSBO assistance, CASH purchase appraisal requirements and more. Also can offer Real Estate Brokerage, Site Acquisition and Land Development services. Real Estate Brokerage.
With more than 30 years experience, the Appraisal Offices of Josef Realty Services are a one stop shop for all your Real Estate needs. From Tax Appeals to divorce & estate appraisals or assistance with CASH purchase transactions and appraisal riders, we have you covered. We represent a wide variety of clients. Approaching each appraisal assignment with our full attention and dedication, we aim to protect your interests and exceed your expectations. Licensed Real Estate Appraisers in St. Louis area. (Also active Real Estate Agents with Keller Williams Southwest).


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Angela Stefano
Enjoys cheap vinyl, expensive purses, loud (and live!) music, good hockey and any and all puppies. Editor-in-chief of TheBoot.com. Ardent Buffalo supporter.
Jacob Davis' debut EP, 'What I Wanna Be', is set for release in late March.
Blake Shelton's mother Dorothy has put the country superstar's childhood home on the market.
The first performers for the 2017 ACM Awards have been announced!
Rory Feek's book 'This Life I Live' has earned spots on bestsellers lists compiled by the 'Wall Street Journal', the 'New York Times', 'USA Today' and more.
Garth Brooks has released the music video for his song "We Shall Be Free," originally created to celebrate the single's 10th anniversary.
Rascal Flatts have announced their new studio album, 'Back to Us', set for release in May.
A photo gallery of inspiring quotes from Joey Feek.
A photo gallery of Joey + Rory's sweetest moments.
The Recording Academy will be honoring Keith Urban's commitment to music education during the 2017 Grammys on the Hill Awards, set to take place in Washington, DC, in early April.
Trace Adkins' 'Something's Going On' has been selected by The Boot's readers as Album of the Month for March 2017.
Dan + Shay discuss their song "When I Pray for You," written for the movie 'The Shack'.
Brett Eldredge has released a music video for his newest single, "Somethin' I'm Good At."
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"This makes quite a bit. The yield is an estimate. It makes a good side dish for a barbeque! It's mainly based on a dish Daddy used to make on the stovetop when I was a kid. My version is a bit different though."
Baked Beans Rick's Style
0 recipe photos
READY IN:1hr 15mins
Ingredients Nutrition
- 6 slices bacon, thick cut bite sized
- 1 medium chopped onion
- 53 ounces pork and beans
- 1⁄4 cup catsup
- 2 tablespoons Worcestershire sauce
- 1 tablespoon prepared yellow mustard
- 3 tablespoons brown sugar
- Use a covered pot or Dutch oven that can go from stovetop to oven.
- Preheat oven to 350°F.
- Cook the bacon on the stove over a medium heat until just browned.
- Add onion and cook until translucent.
- Now put the can of beans into the pot.
- Add the remaining ingredients and cover pot.
- Heat until bubbly stirring occasionally.
- Transfer to the oven and bake for 45 minutes.
- If the beans are too thin bake uncovered another 15 minutes.


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Schedule an appointment, here
We will never sell, share, or trade the information you provide with a third party
"I enjoyed working with each member of your team. The receptionists were friendly and polite, and Tamara was quite knowledgeable and did a great job putting me at ease! You and your surgical team were patient and kind. For these things and more, I say thank you!"
- Joy K. Hughley
Orlando, FL


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Are you aware of the proposed Peninsula bay development in Cortez?
Whiting Preston wants to develop the pristine 360 acres that is home to manatee fruit greenhouses which has been in his family for over a century.
I lease a small piece of land on Whiting Preston's property that is slated to be developed for Peninsula Bay. I run a small rare plant nursery out of one of the greenhouses.
I have been working my whole life to bring my dream of growing plants for a living to fruition.
I have spent the past two years working over 70 hours a week, happily laboring to make sure my plants are healthy, my customers are happy, and my business is growing. Some of my plants are extinct in the wild; one is a cactus species found only from Longboat Key to Siesta Key. I own the last remaining plant found in the wild – rescued from a site that was being bulldozed.
I work until midnight often, and these are my favorite times. I see coyotes, hear whippoorwills, listen to the love songs of Great Horned Owls and see the ballet of bats in the moonlight. During the day, I hear ibis mumble to each other as they pick bugs out of the grass, and I watch worried osprey parents coach their fledglings in "flight school." I greet the native green tree frogs that live in my ferns.
This is the last unspoiled ecosystem large enough to support such incredible diversity in Cortez. The land is old, important, and I love it more than anything. I don't see the $620 million dollar price tag, because none of this can ever be replaced no matter how much money you have.
When I saw the commission approval for Peninsula Bay, my heart broke into a hundred pieces. My voice, the voice of my plants, the voices of all the creatures that live there….we are nothing compared to that price tag. I know. But if I never said a word…then the shame is on me.
Every customer that visits is in shock that this treasure still exists. They all say they've never seen that much wildlife in any of the local preserves.
I am just a lowly grower of endangered plants, one person in one greenhouse, speaking for a million unheard voices. Please, if there's anything you can do, please help stop Peninsula Bay and preserve the last piece of old Florida that exists in this area. Please. I am not afraid of hard work and I will do whatever it takes to save this land.


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Gallery2 font size problem
I've just installed the Gallery 2 WP plug in on my blog here:
http://hannahmontanazone.com/gallery problem with this is that the font is a lot smaller than it is in my default gallery2 installation directory that is not connected to the WP blog: http://hannahmontanazone.com/gallery2/main.php
How can I fix this difference in font size ?
I know I could play around with the theme.css file but there must be an easier way to ensure proper conversion surely ?
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Next cab of the competition rank is Jesolo...
The Trofeo Internazionale is being competed there this week. At Jesolo we will see a mix of junior and senior competitiors from Japan, Italy, Russia, GB and the USA. Sadly no Romanians this year because of financial issues.
(Ferrari on flor- www.gymbox.net)
It will be Vanessa Ferrari's first international contest since her last operation.
Let's face it, the most exciting thing about Jesolo is that we are FINALLY gonna see some USA junior vs Russian Junior face-offs. This is what we have all bee waiting for!
Russia is sending some crema in the form of Grishina, Komova, Sidorova, Malikova, Karpova and Belokibilskaya.
The USA in typically natty form haven't yet announced who they are deigning to send. But this is gonna be fun.
The Russians and Italian have entire senior and junior teams while others like Great Britain are sending less. If you want to know who is going, here is a LIST thus far.
USA Team Announced- the girls to go to Italy are....
Amanda Jetter
Mackenzie Caquatto
Morgan Smith
Alexandra Raisman
Cassie Whitcomb
Kytra Hunter
Kyla Ross
Sabrina Vega
Oh my gawd, this is going to be a hell of a face-to-face!
(Chelaru by Stefan Wurzer)
Apparently the Romanians beat the British in their training/meeting/competing meet last week- not by enough as far as I concerned. Romania should be trouncing Great Britain, really, but scores were tight.
Chelaru won the all-around because Porgras had a fall on bars. I don't mind Chelaru so much these days now she has fixed her form. The gymnast who attended the World Championships last year was an entirely different gymnast in presentation and execution than the one who attended the Euros earlier that year. It's good to see she is still performing as a solid all-arounder and is relatively injury-free.
The lovely little Raluca Haidu took fourth while Racea took sixth. Funny- I thought Racea would place higher than that, but I am not sure how the competition went for her.
Forminte told Prosport that these contests were all about being patient with a very young team and letting them grow. They will compete again next week with France as well.
The Tweds won bars and floor.
By the way, while we were all looking elsewhere- the 11th Asian junior games were contested in artisitc gymnastics. In the team finals the junior Japanese team took out the second place winners, China, by a lofty four points. One must consider though, that China probably sent a regional junior team, while the Japanese may have sent their junior international. China don't seem to expend their juniors that much if it loses training time.
Yoshino Taniguchi took first place in the all-around with the highest score on vault, while wunderkind Natsumi Sasada took fourth. the highest ranking non-Chinese or Japanese gymnast was Uzbekistani Dilnoz Abdusulimova in fifth place.
Here is a video of Taniguchi on vault at EYOF last year. She has good explosive power for a Japanese gymnast and nice execution though she is piked at the end.
or HERE
Doha podium
The women's vault and bar finals have been played out at Doha. I was incredibly impressed to see South Africa's first black gymnastics champion qualify AND win vault finals using her explosive power and tidy form. Khwela aparently nailed her landings. Sadly, Ida Jonnsson only placed fourth.
Unsurprisingly, the two Chinese girls, Liufang and Qiushuang took the top two places on bars. Qiushuang blew everyone out of the water with her 15.025. Though Liufuang faltered during the exercise, her skill set was still enough to take second place with a 13.850. It was lovely to see Bianca Dancose-Gimabattista take 3rd, though she led off.
In potentially sad news.....
Roll by Bernard Garau
I just received an email from someone who informed me that Maike Roll has pulled out from the German National team as of yesterday. Apparently she was unable to cope with the stress of team selection obligations any more. The article in gymmedia says 'for the time being' so perhaps she plans to return.
Maike Roll was interviewed by one of The Couch Gymnast magazine's contributors, Chris in the last month. Things were sounding positive, and she was looking toward the London Olympic Games and her future in the sport. Sad that things changed so quickly for her.
She was known for her lovely form and balletic execution and will be missed.
If you haven't read Chris's interview with Maike Roll, read it HERE
In shallow news....Nastia Liukin has a clothing line. Yawn. Maybe her next BIG announcement will be that she is going to join an embroidery club or take up tap dancing.
In NCAA....The Pac-10s are being held in Tucson this weekend. Go Bruins!
The FIG Hall of Fame is recognising some more gymnasts, including Hungarian superstar Henrietta Onodi. I was crazy about Onodi as a child and I am yet to find a gymnastics fan that didn't love this girl. She was incredible on floor and excellent on everything else. Her choreography was brilliant, her execution superb and her tumbling terrific. She rocked the 1992 Olympics with her gold on vault and silver on floor. But it was her West Side Story floor routine that is most memorable.
or HERE
Wild Rose International...... is coming up in a week or two in Edmonton Canada, which should be great as some primo Chinese will be there, including, I believe Deng Linlin, Jiang Yuyuan and Sui Lu. It will be nice to see Jiangy back in the game after a lengthy injury time out. There will be a Canadian and Columbian team there too. China is not bringing juniors, though. It starts on the 2nd of April.
Okay, enough for now!


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Adult Volunteers
Volunteers at the Central Park Zoo work within the Education Department to engage zoo visitors in many different and exciting contexts. Through hands-on, conservation based experiences, our volunteers strive to inspire passion for wildlife and nature, cultivate scientific curiosity, and inspire conservation action in visitors of all ages.
As a Central Park Zoo volunteer, you may:
- Lead inquiry based expeditions for schoolchildren and other zoo visitors through parts of the zoo.
- Assist Conservation Educators during family programs, school programs, and more.
- Get involved in a variety of special events and zoo activities.
- Meet like-minded individuals and become part of a community
- Have fun!
There are exciting new changes happening with our volunteer program! We are currently not accepting volunteer applications, but please continue to check back for additional information about our volunteer opportunities. You can also email us at
|Volunteer Position
|Qualities Needed
|Shift Length
|Time Commitment
|Education Assistant
- Greet groups as they enter park and guide to classrooms
- Provide support to Educators during classes, activities
- Assist with family programs, summer camp, or birthday parties
Greet groups as they enter park and guide to classrooms
- Provide support to Educators during classes, activities
- Assist with family programs, summer camp, or birthday parties
|Full or half day
|Three days per month
|Expedition Leader
- Facilitate inquire-based explorations of the zoo with groups and families
- Ask questions and facilities lively discussions in response to student interests
- Support in-park activities when tours aren't scheduled
- Passion for engaging children in observation and critical thinking
- Excellent listener with strong interest in experimentation and inquiry
- Group management abilities and comfort working with all ages
- Commitment to learn and teach curriculum in response to feedback
|Three days per month
|WCS Now Interpreter
- Facilitate interactive conservation-based activities at specific locations in the park
- Assist with campaign-related petitions and crafts
- Use activities to engage visitors of all ages
- Strong improvisation skills with a flair for the theatrical
- Outgoing and approachable
- Eager to learn and try new things
- Commitment to sharing the WCS mission and message
|Half or full day
|Three days per month (March-October)


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Sales, means the sales volume of Dental Implants
Revenue, means the sales value of Dental Implants
This report studies sales (consumption) of Dental Implants in Global market, especially in USA, China, Europe, Japan, India and Southeast Asia, focuses on top players in these regions/countries, with sales, price, revenue and market share for each player in these regions, covering
Top Manufactures Analysis of Dental Implants : Straumann, Nobel Biocare AB, Dentsply Corporation
Zimmer, Bicon, Implant Direct, Dentium, BEGO, DIO Corporation, Thommen Medical, KJ Meditech
To Request Sample Copy of This Report: http://www.qyresearchgroups.com/request-sample/113717
Nobel Biocare AB
Dentsply Corporation
Implant Direct
DIO Corporation
Thommen Medical
KJ Meditech
Kyocera Medical
MegaGen Implant
Huaxi Dental Implant
Xige Medical
Market Segment by Regions, this report splits Global into several key Regions, with sales (consumption), revenue, market share and growth rate of Dental Implants in these regions, from 2011 to 2021 (forecast), like
Southeast Asia
Split by product Types, with sales, revenue, price and gross margin, market share and growth rate of each type, can be divided into
Single-stage Implant
Two-stage Implant
Type III
Split by applications, this report focuses on sales, market share and growth rate of Dental Implants in each application, can be divided into
Dental Clinic
Application 3
About Us:
QY Research Groups is a company that simplifies how analysts and decision makers get industry data for their business. Our unique colossal technology has been developed to offer refined search capabilities designed to exploit the long tail of free market research whilst eliminating irrelevant results. QY Research Groups is the collection of market intelligence products and services on the Web. We offer reports and update our collection daily to provide you with instant online access to the worlds most complete and current database of expert insights on global industries, companies, products, and trends.
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Tuesday, October 28, 2008
Success and failure. We think of them as opposites, but they're really not. They're companions - the hero and the sidekick. Laurence Shames
The strongest warriors are these two...time and patience.Leo Tolstoy
Kaish has always had a hard time at school- even in Kindergarten. It has been very frustrating for us. This year he is in 3rd grade and he is truly doing an excellent job!
He works hard on his homework every night. He likes his regular teacher and his special education teacher. He hasn't gotten in any trouble at all. A few days ago he came home with a praise note from another teacher in the school.
A little boy had fallen at recess (right in the beginning) and Kaishon gave up his whole recess to help the child go down to the Nurse. He then stayed to make sure the boy was OK. The child's teacher wrote a praise note for Kaishon. Kaish was SO excited. He was glowing when I picked him up for school.
That night at bedtime we were saying our prayers and he said, "I knew you could turn me into a better boy, Jesus, I just knew it." I am so proud of him I could just burst! Have your children done anything lately that made you that proud? : )
25 comments:
- Darlene said...
Hi Rebeckah,
It is so exciting when a child does something and it gets noticed and rewarded with a praise note. Great job Kaishon!!!!!
Oh, and stop by my blog when you get a moment.....you have been BOO-ed!!♥
- Tue Oct 28, 03:58:00 AM
- Sandy Toes said...
Way to go!! What a sweetie!!I love when schools take the time to acknowledge when kids do well or show kindness!
My husband was not exactly thrilled that she did that! It could of been worse, right??
Have a great day!
Sandy toes
- Tue Oct 28, 04:39:00 AM
- Daphine said...
I enjoyed this post from beginning to end!
Great job Kaish! Way to show 'em!
And yes, I do have something great to post on my youngest from the conference with her teacher that I had last week. I will definitely be posting it soon.
Have a great day!
- Tue Oct 28, 05:05:00 AM
- Elizabeth said...
Great Job Kaishon!! I LOVE that the teachers celebrate kindness. Very nice!
- Tue Oct 28, 05:45:00 AM
- richies said...
I too am proud of Kaishon. It is really neat that his teacher gives out praise notes. Children are to often reprimanded when they do something wrong, but not praised when they do good.
An Arkie's Musings
- Tue Oct 28, 05:51:00 AM
- Ruby Red Slippers said...
That is wonderful-I think it is so important for teachers to look for the oppritunity to praise one who needs it. (As a former teacher, I tried to praise the "active and distracted" ones-their behavior was always great for me, and other teachers wondered why...)
Great JOB Kaishon!!!
- Tue Oct 28, 06:02:00 AM
- BusyBeeSuz said...
Oh, this brought tears to my eyes. Such a sweetie he is. You should be proud...this empathy and caring he shows is from his parents.
That is the best compliment ever.
I love the quotes, so beautiful.
My girls amaze me all the time...as you can tell from the blog posts.
Thanks for sharing.
I think he deserves an iceream sundae for that one.
- Tue Oct 28, 06:08:00 AM
- sassy stephanie said...
Oh wow. What a great story. What a thoughtful little man you are raising!
Thanks for stopping by and visiting!!
- Tue Oct 28, 06:20:00 AM
- TattooedMinivanMom said...
Oh my goodness! That was so sweet what he said at bedtime. What a little pumpkin. You should be proud mama.
- Tue Oct 28, 08:08:00 AM
- Liz said...
He's such a doll!
- Tue Oct 28, 08:27:00 AM
- Just Me said...
Congrats Kaishon! How sweet and soo true, without Jesus we cannot change. How sweet it is when we see the fruit of our prayers.
- Tue Oct 28, 08:43:00 AM
- Buzzings of a Queen Bee! said...
That comment melted my heart. I pray every night that I can teach my kids to love and trust Jesus like that!
- Tue Oct 28, 09:39:00 AM
- Cortney said...
Awww! That's great. I almost cried!
- Tue Oct 28, 10:40:00 AM
- Live.Love.Eat said...
WOW. That was the sweetest post. I love the 1st saying about the stonecutter and then how awesome of your boy to be doing so well!!!! You should be really proud and bursting with happiness, especially over his prayer!!!!!
Not on the same level but we were awfully proud of Tristan yesterday when he got his flu shot without batting an eye. Daddy was with him and said he was a champ about it.
- Tue Oct 28, 11:21:00 AM
- April said...
Hey There!
Thank you so very much for dropping by my blog! I always love meeting new people!
Your little boy is such a cutie! You have good reason to be proud of him! I just love the story you shared. How sweet to have helped that boy who fell, THEN...to give up his whole recess...that's HUGE for someone his age!
Sounds like you're doing a great job, Mom!! Keep it up! :)
- Tue Oct 28, 12:03:00 PM
- Weeksie50 said...
Oh, What a sweet prayer! I love that just a little praise made him feel good about himself. What a sweet boy you have..
- Tue Oct 28, 12:19:00 PM
- Julie said...
I cried reading your post. Oh my what a precious little boy!
Thanks for the encouragement... 2 days in a row working out... only many more to go!!!
- Tue Oct 28, 12:31:00 PM
- Darcy @ LWM3B said...
It's so good to "meet" you.
Thanks for stopping by my blog. Your comments made me laugh outloud and my 3 boys came running to see, "..what's so funny, Mom?!"
Your son is precious! I look forward to reading more about you all.
- Tue Oct 28, 12:51:00 PM
- Katie said...
That is so exciting you might want to check my blog...hmmm..
- Tue Oct 28, 01:05:00 PM
- kristen@nosmallthing said...
Rebeckah, I don't have anything to share, but wanted to say that story about Kaishon and what he said at the end...it totally reminded me of one of those Hallmark commercials. You know the ones that make you sob with joy and emotion?! Yes, his words were that sweet.
What a wonderful little boy you have.
- Tue Oct 28, 04:56:00 PM
- ChiTown Girl said...
I don't have a story about MY baby (I'll have to think about it for a while) but I wanted to share with you that yesterday I sent Twin Boy home with a note, too, because he had an awesome day. The rest of my babies all gave him high-fives! It was so precious!
- Tue Oct 28, 05:43:00 PM
- DD said...
OH MY WORD!!! This brought me chills! How precious is he and his prayer!! Jesus is so good!!!
- Tue Oct 28, 07:36:00 PM
- Detroit said...
I nearly just burst out in tears over his prayer thanking Jesus and knowing that it was His hand that changed him...Awesome! I praise Him and rejoice with you! Love you
- Thu Oct 30, 04:20:00 PM
- Jessican said...
I don't know how I missed this post before, but this was such a touching and heart warming story. I was just telling my husband about you and what a wonderful person you were.
Kaishon is so lucky to have you for a mom! Also, kudos to the teachers for encouraging his caring spirit. That boy will go far for sure.
- Thu Oct 30, 05:17:00 PM
yeah for Kaishon! That is great news! And, I love his prayer. so sweet.
- Fri Oct 31, 10:29:00 AM


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text:
Ohio Supercomputer Center Hosts ALTAIR Software Workshop
Columbus, OH – October 9, 2006 – Learn the latest about some of the most robust engineering software packages available at the Ohio Supercomputer Center's (OSC) workshop, Using Altair HyperMesh and Hyperview.
This three day session will be held on October 16 – 18, from 9 a.m. to 5 p.m, in OSC's BALE theater at no charge. Geared toward engineers, the workshop will cover Altair HyperWorks' high performance, comprehensive toolbox of CAE software for engineering design and simulation. Attendees should have a basic knowledge of finite element analysis.


text:
Cross Country
Emerald City Open
Sat., Oct 17
Watch Info
Not Available
Not Available
Not Available on App
Not Available on App
Not Available on App
More: Emerald City Open - Cross Country
Women's Cross Country Season Preview
The Husky women's cross country team rolled through most of the 2016 season, finishing first or second at every race up to the NCAA Championships
Sundodger Invite Meet Information
The 26th annual Sundodger Invitational ushers in the fall cross country season this Saturday at Lincoln Park in West Seattle.
Huskies Cruise To Solid Opener At Magnuson Park
The weather didn't much resemble what is likely to be waiting in Kentucky in November, but the Huskies enjoyed some 80-degrees and sun and got the cross country season rolling at Magnuson Park
Women 13th, Men Receive Votes In Preseason Poll
The Husky women's cross country team, top-20 finishers in nine of the last 10 NCAA Championships, will head into the 2017 season ranked 13th nationally
Pac-12 Cross Country remains dominant among national top 10
SAN FRANCISCO – Paced by the No.
Six top 10 teams among 10 ranked in Pac-12 Cross Country
SAN FRANCISCO – Six Pac-12 Conference cross country teams appear in the top 10 to lead a total of 10 men's and women's programs in the latest United States Track & Field and Cr


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Grooming manicure - A traditional manicure consisting of nail shaping and soak to soften cuticle for grooming, a moisturizing hand massage and an application of polish, leaving nails refreshed and hands soft and smooth.
$32.00 approximate time 20 minutes
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$38.00 approximate time 30 minutes
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$45.00 approximate time 30 minutes (add $3.00 if calluses remover is needed)
Paraffin soft treatment –hand or feet are massaged for 10 minutes with hydrating lotion or cream , they are then dipped in warm scented paraffin to help retain moisture. Warm booties or mitts are slipped over the hands and feet for 10 minutes then removed along with paraffin to reveal younger, silky skin.
Hands $25.00 approximate time 25 minutes
Feet $25.00 approximate time 25 minutes
Hands and Feet $45.00 approximate time 50 minutes
Polish- Add color to your day with a fresh application of polish.
Color $9.00 French $15.00
Refreshing Pedicure- Relax while soaking your feet in an aromatic whirlpool foot bath, followed by shaping the nails and gently pushing the cuticles. Hydrating lotion is then massaged into the skin leaving it silky smooth. This service ends with an application of polish resulting in refreshed and beautiful feet.
$35.00 approximate time 45-60 minutes
Spa Pedicure- Relax while soaking your feet in an aromatic whirlpool foot bath, followed by shaping the nails and gently pushing the cuticles. The lower legs and feet are then exfoliated with and aromatic salt scrub followed by a grape seed oil massage. The pampering continues with the application of a peppermint mask to cool tired feet. Hydrating lotion is then massaged into the skin leaving it silky smooth. This service ends with an application of polish resulting in refreshed and beautiful feet.
$52.00 approximate time 45-60 minutes
Stone Pedicure- Relaxing spa pedicure using hot stones to perform foot and lower leg massage.
$65.00 approximate time 45-60 minutes
Foot massage –Relieve sore muscles in the lower legs and sooth tired feet with a warm 10 minute refreshing peppermint foot bath followed by a 15 minute lower leg and foot massages. A soothing treat for hikers as well as shoppers.
$25.00 approximate time 25 minutes.
Hand Massage – Relaxes and soothes arthritic or over worked hands.
$16.00 15 minutes
Hand and Foot massage $40.00 approximate time 40 minutes
Brow Wax $14.00/23.00
Lip Wax $15.00
Chin Wax $18.00 / $30.00
Bikini Wax $25.00/$45.00
Face Wax $45.00
Leg Wax $45.00 (1/2) $85.00 (full)
Complete Website Copyright ©2002-2016 The Spa All Rights Reserved


text:
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text:
The Empty Sea (Into the Realms #2)
eBook (ePub)
Price: $9.99
In the second installment in the Into The Realms series, Daniel, Eleanor and their friends have spent nearly two years surviving the perils of The Labyrinth, only to face heartbreak and betrayal when they finally reach the oceanic Sixth Realm. Navigating their way through the Ocean of Storms by sea and air, our heroes are met with danger, hardship, and intrigue, only to learn a terrible secret – something is hunting them. In their perilous travels, Daniel and Eleanor are faced with innumerable perils, yet perhaps the most dangerous battles are the ones they must fight within. After endless terrors and heartbreak, Eleanor finds herself questioning her most cherished beliefs, while Daniel fears that he is slowly losing his connection to this world and the people within it who he cares for so deeply. Though bound by the heart, these two wayward souls become separated across the span of an empty sea.
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Product Details
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- April 22, 2013
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Auberge Handfield Et Spa
The 3-star Auberge Handfield Et Spa places guests abound 26.4 km from Galeries d'Anjou, University of Sherbrooke and Pi-o Centre d'Amusement.
The city center is 10 minutes' walk of the property. A 45-minute drive to Bromont.
Auberge Handfield Et Spa provides guestrooms appointed with a writing desk, satellite TV, heating, a laptop safe and free Wi-Fi. The guestrooms look out on the river. They feature bathrooms with a hairdryer, a shower and a spa bathtub.
Offering various dining options, Auberge Handfield are about 5-minute walk away.
St Hubert airport can be reached in 25 minutes by car from Auberge Handfield Et Spa.
The hotel offers bicycle rental services on site.
Auberge Handfield Et Spa delights guests with a Jacuzzi, a wellness center and a sauna. On-site sport activities include canoeing and cycling.


text:
idk why all the hate on this trail. i love this trail. its a great trail. there are literally more upped roots at christman's preserve for the people talking about roots.
you know what, hate on it all you want, just means i get more peace and quiet when i go to this trail. cant believe its only got a 3 star rating.
Roots, roots, and more roots. May 2017, heavy rain the week before may have washed out the trails exposing the roots. I had to keep my eyes on the trail the whole time. Not a real enjoyable hike.
A pretty easy hike though gorgeous red wood pines. This trail is more fun to cross country ski than it is to hike. It was cooler when I went so it wasn't buggy at all but in the summer I could see it being full of them. Parts of the trail were swampy even with the beams that have been laid to avoid the mid. The bridge was a tad nerve racking to walk across being it only has one railing and the water came right up to the lip of it.


text:
Having fun experimenting with Tyvek.
I will be teaching a class on Tyvek in May, 2009 at the Great American Quilt Factory in Denver, CO, so I'm playing beyond my hearts content. Exploring controlling heated Tyvek to creating with the uncontrolled heated results opens up infinate options for creations.
The above sunflower petals, leaves and stalks were controlled. They were painted and cut before heating with an iron.
This morning I began working on an abstract face using random pieces of uncontrolled Tyvek. I hope to have a composition to show by the end of this week.
So let go of expectations and get your self some Tyvek and play play play.


text:
Choose from Four Options
- $15 for one express manicure ($25 value)
- $29 for one full manicure and express pedicure ($70 value)
- $25 for one gel manicure ($45 value)
- $45 for one gel manicure and spa pedicure with massage ($90 value)
Shear Blessings Salon
Valerie Anderson Long is passionate about making people look and feel great. The cosmetologist behind Shear Blessings Salon imparts confidence upon her clients with a host of salon and spa services. For example, she imbues strands with vivid Pravana color and coifs manes into special-occasion 'dos. And thanks to her indulgent mani-pedis, hands and feet needn't feel neglected. To round out the menu of services, Valerie offers facial and body waxing.


text:
If only all of the gifts we receive would be announced by color and brightness and celebration…
Photo by John Hartleroad
Interested in submitting an image to Sight Psalms? Click here for more information.
Sight Psalms is a ministry of the General Board of Discipleship of the United Methodist Church.
© 2010 - 2017, Sight Psalms and the Upper Room


text: This is the latest installment of a weekly feature in which B.J. Koubaroulis and I talk all things Terrapins sports, including a breakdown of Maryland's 19-14 win over Wake Forest. We'll recap all the Terps action, going over the top performers, story lines and upcoming matchups. B.J. fires questions, and I say things about sports that barely resemble words.