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Property Search

Factors in Deciding Where You Want to Live

In order to decide where one will live, one has to generally look into the factors that will contribute to the overall quality of life one wants to lead. Here are some of the factors people consider to be important in making this decision.
The cost of living tops the list for many people. Some cities are more expensive tan others. Before settling in, one must take a hard look at one’s income versus how much it costs to live comfortably in one’s desired city. As a rule of thumb, rent should be not more than a third of one’s monthly income.
In terms of one’s professional life, there should be ample opportunities in one’s chosen field. Research should include knowing how much are the paid vacation days in the particular city and also the unemployment rate or figures.
There is no place in the world with zero threats from danger, both man-made or natural. Every place in the world can potentially be visited by crime or a natural disaster. That being said, it is still better to check the crime rates of a city or a particular neighborhood. Don’t make an assessment just based on whether the city is small or large, rural or urban. It is better to do an online search for crime statistics to know the precise data for personal and property crimes.
Convenience is a major factor too. The factors that are looked into in this area are the proximity to work, ease of transportation, length of commute time, grocery stores, schools, banks, restaurants, nightlife, dry cleaning and other essential services. At first, this may not be that important, but as time goes on, you’ll sincerely appreciate that you took the time to do research and make sure all of these things were located close to your home.
The culture and environment of the place will also be factors that people will look into. One’s civil status will affect the type of culture and environment one is willing to be part of. Singles, couples, and couples with children all have different criteria. For example, singles will put more importance on the dating scene and nightlife, while people with families will be more concerned about healthcare and schools.
Other factors that are also looked into are entertainment options, outdoor recreation, whether one will feel that they can belong to the community, the general weather and climate, and the accessibility of worship centers.…

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Commercial Real Estate

Senate Bill 306 – How Does This Affect Short Sales?

Short Sales are confusing. But one of the more confusing things about short sales are all the rules and regulations that need to be followed in order to complete them. A recent law from the Senate is Bill 306. This bill was enacted to help the streamline the process of selling homes that are under water. Hopefully, I can lend my assistance and organize the some of the key points in this bill into a comprehensible format, so that you will have a better understanding of what it entails.
In the real estate market, a short sale is the sale of a property that is sold for less than what is owed to the bank. The bank receives all the money from the sale and may or may not return some of the funds to the borrower. Some California laws manage the real estate process. Generally, these types of real estate transactions help the banks by dodging foreclosure expenses, and stops borrowers from damaging their credit histories.
Bill 306
California Senate Bill 306 was signed in 2009. This bill helped clarify and create the rules and regulations for short sales in that state. A very important part of this bill affects the way lenders, normally the banks, deal with short sale offers. Prior to the new laws, banks were under no deadlines to answer these types of offers. The new law requires that lenders answer the offers within 21 days. So now, if a buyer makes an offer on a home that has already been approved for an underwater sale, the bank must accept the offer or refuse the offer within three weeks. Thanks to this law the process the real estate transaction is more likely to close. Making the process easier for all parties involved.
California Business and Professions Code, section 10131, states that a licensed real-estate broker must represent both parties in the sale of a property, and this includes short sales. It doesn’t have to be the same real estate agent representing both sides, but each side needs to have a real estate agent representing them. However, some parties attempt to get around this law. And so to preempt this, section 10139 of the same code states that failure to include a licensed broker during a short sale can result in fines or even imprisonment. Keep this in mind if you decide to purchase an underwater home. The last thing you need is to get in trouble with the law. This process is complicated enough as it is.
In the state of California, most people in mortgage situations expect to have a month or more of advance notice from a bank if foreclosure is imminent and short sale options are available. Furthermore, 306 includes types of properties that are owned and occupied by the borrower and that also include additional rental space up to four apartments or units. But, if the mortgage is at risk for any of these types of properties, short sales cannot be forced at the last minute.
When a licensed real-estate broker and escrow officer sign what is called “HUD1” the transfer of funds to purchase the property become nearly finalized. California law gives the banks, or mortgage lenders, four days to deny the offer, when a short sale escrow transaction is close to completion. If the lending institution does not formally deny the offer in this circumstance, the law states that the offer is automatically approved. This makes the process much quicker. since before this law a home could be in limbo for an insane amount of time But this law fast-tracks the process so sales can close significantly sooner.
There are many other regulations and rules that are apart of these Programs, but this is as simple as I can describe them. If you would like more information check the resources section of my website. Stay tuned for more information regarding HAFA and HARP. I plan on discussing these programs in the near future.…

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Land For Sale

Real Estate Buying Tips

Buying a house is a challenging task. Indeed, there are lots of things to consider to choose the right house and avoid swindlers. The easiest way to avoid scammers when buying a real estate is to use the services of real estate agents, who know all peculiarities of this business and thus can help you make the right investment.

Some houses can be bought at a lower price than you expected, but to find the best deals you need to be cautious and do decent research. Some people are so impressed by the look of the house that they simply forget about its actual price and are ready to pay any price to get it. The are ready to spend a fortune, because are impressed by the look of the property.

Remember that appearance can be very deceptive, thus never rely on your feelings only, and make deliberate decisions. Never make rush decisions and never evaluate a property by its appearance only. To invest money in the right real estate, you need to consider even the smallest details, including the neighborhoods crime rate. Secure neighborhood is especially important if you have kids or need to buy a house for your elderly parents.

Of course, each homeowner will say only good words about the property they sell and its neighborhood. Never trust their words and make a final decision only after conducting your own investigation.

To make the right real estate investment and avoid scams, stick to the following rules:

Investigate the neighborhood. If you do not want to risk the safety of your family, you need to make sure that the new neighbors are law-abiding citizens. Also check the crime rate of this area. To find all necessary information you may apply to the local police office.

Do not be trustful and never rely on the sweet words of home sellers, because lots of them say great words only to persuade you to buy real estate they need to sell. Do your own investigation and check even the smallest details. Get information about the history of the house, because you have the right to know everything about the house you consider purchasing.

Get information about taxes in the targeted area. Knowing this information is very important if you want to avoid paying excessive property taxes. This is especially important for families having tight budgets.

As you see, the process of purchasing a real estate is quite tiresome and time consuming. Not everyone is able to consider all important details. To make sure you are making the right investment it is advisable hiring a realtor. A qualified realtor will help choose a house that meets your requirements and budget.

The right choice or realtor is also important, because you need to trust this person. Do decent research and check reviews. You also need to do price comparison, because real estate agents may charge much for their services. Thus, if you do not want to be overcharged you need to compare the offered services and rates.

If you want to make good investment and purchase the right house for you and your loved ones, it is advisable sticking to the mentioned above recommendations.…

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General Article

How to Keep Your Floor Clean

How to Keep Your Floor Clean

With so many different kinds of floor available, you are bound to find there is plenty of choice on your hands when it comes to selecting a product for your home. But no matter what you end up choosing, whether it is lino flooring or something different, you are bound to want it to look its best for as long as possible.

Keeping on top of floor maintenance should prove to be a relatively easy task and by doing so you can extend the life of the product for many years.

This is particularly true when it comes to cleaning your carpet. By vacuuming it on a regular basis, perhaps once or twice a week, you can stop dirt from becoming ingrained into the surface.

But while this should ensure that the majority of solid debris does not result in a carpet becoming stained, you will find that a different approach is needed if liquid is spilt on it.

In the event that you end up knocking a glass of water on to your carpet be sure to soak up the excess using a dry paper towel. However, liquids that are more likely to leave noticeable marks – for example red wine, tea and coffee – may need to be removed using a special carpet cleaner.

Keeping a vinyl floor clean, however, involves a different technique. You should find that using warm soapy water and a damp soft cloth will remove the majority of marks.

However, if you’re trying to remove more persistent stains then you may have to use something that is a little stronger. One product you may want to consider when it comes to keeping your floor clean is bleach. Dilute the chemical with water before soaking a rag into the mixture and placing it over the stain. Isopropyl alcohol may prove to be another effective product with which to remove tough marks.

If you plan on using chemicals to clean your floor you may want to try out the solution on an inconspicuous area before applying it to the actual stain to make sure you know what you’re doing.

No matter what kind of flooring you have in your home, you should find that with a little time and effort you can keep your floor looking as good as new for many years to come.…

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Real Estate Listings

Asphalt Repair Can be Done at Home

Most problems that involve road or asphalt repair have to do with minor cracks, crumbling of the surface which are not difficult to repair. The method and materials used depends on whether you are going for crack repairs, filling low spots, patching or seal-coating to prevent cracks from developing. Most of the material that you require for cracks repairs is available in shops that deal with construction materials.

It is not difficult to repair cracks by yourself without hiring a professional to do the work. Only, you must have the right material such as the joint sealant and the tools to do the job. It is also important to go for asphalt repair as soon as the cracks in your asphalt driveway start appearing. A good asphalt filler does a good job of asphalt repair if done as soon as cracks as small as half an inch appear. Crack fillers for crack repairs are available in cans or plastic bottles and can treat narrow cracks.

Procedure for Crack repairs:

If the problem is a crack, it should be cleaned thoroughly before going any further. In fact, care should be taken that there is no loose soil at all and a hard brush, broom or vacuum cleaner can be used to clean the crack thoroughly. This is because, for crack repairs to be successful, the crack patch has to stick strongly to the crack surface and this cannot happen if the crack is not clean.

Hence you may need water to clean the crack before the asphalt repair can be undertaken. If the crack is deep then it should be filled with sand or some non-reactive material before applying the crack filler.

Asphalt repair procedure:

Sometimes you will find that the level of your asphalt driveway is not even and there is a depression where water collects. This uneven driveway also needs repairs. Again for this kind of asphalt repair, the area in question should be thoroughly cleaned and no water should be standing there. A mixture of emulsified asphalt which is liquid to begin with and sets after you apply it, can be used so that the surface becomes even. This is done by spreading the emulsified asphalt and tamping it evenly. This asphalt repair patch requires about a day to dry, after which the entire asphalt driveway or part of the road should be seal-coated.

After crack repairs or after completing general asphalt repair, it is a good idea to seal coat the entire driveway. Not only does the drive way look as good as new but also sealing makes the asphalt resistant to damages by the sun, rain and also drippings of petrol and oil which will harm the asphalt and create pot holes in it.…

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Contractor Service

Reliable Economical Dumpster Rental For Every Construction And Demolition

For people who are anticipating undertaking a major construction or demolition project, or even a project that encompasses both of these processes, it is quite possible, highly likely in fact, that a lot of debris will be generated.

For those people, here are some tips to consider if the project could benefit from dumpster rental.

1. If you are new to renting debris containers, be aware that not all roll off rental companies are the same. There are many companies on the Internet that advertise as being providers of roll off rental service, making various claims about their reputation, low prices and expertise, but many of them are middlemen who hope to sub contract your job to whoever will give them the lowest price. The problem this creates for you is that by adding this level of complexity to your project, you have absolutely no assurance that the selected sub-contractor has the proper size of container, or worse still, if they have any container at all available for when you need it and will show up on the correct date.

This is not to imply that all Internet sites offering dumpster services are rip-offs, but simply that you should ask if the people whom you have contacted are actually the people whom will be doing the job.

2. Where is the company you have contacted located?

Dealing with a company located near your project has distinct advantages. One of these is that they are more likely to be aware of local ordinances covering requirements for environmental issues, as well as logistic considerations such as street weight restrictions that may result in requiring you to use two ten yard containers rather than one twenty yard container. This is a genuine issue, one that you would prefer to know about in advance, rather than by calling your container supplier that has failed to show up late on the first day of your project, only to find out that the driver returned to the yard because he could not access your location. Another advantage of a nearby company is that they have probably supplied containers precisely where you need them, so they will anticipate these and other circumstances before they become a problem. Finally, a nearby company offers less potential for delays caused by weather and traffic.

3. Determining the proper size container for the project.

Many roll off companies promote the concept that bigger is better, meaning that you will be up-sold to a container size that well exceeds your actual requirement. While it is certainly better to err on the side of having a little more container than is necessary, one double the required capacity is simply throwing away money.

These and other issues will influence the process of dumpster rental, regardless of the nature of the project. Ask tough questions, demand clear answers, knowing that you have many choices when it comes to renting roll off containers.…