New Realtors pledge to protect right of real estate ownership

Fifteen area real estate agents were inducted as new members of the Ventura County Coastal Association of Realtors on Aug. 28 following a daylong orientation outlining the professional and ethical standards expected of all real estate professionals.

They also are entitled to use the official designation Realtor after their name after pledging to comply with the Realtor?s Code of Ethics as established by the National Association of Realtors.

Congratulating the group is VCCAR President Cindy Diaz-Telly, third from right, who inducted the new Realtors and explained the many benefits of being a member of VCCAR.

Among those attending the orientation were, from left, seated, Paige Gordon, Keller Williams Realty, Westlake Village; Sandra Tamayo, Keller Williams Realty, Camarillo; Melorie Garcia, AM Properties; Tracey Louis, Century 21 Gold Star; Emily DeArKlard, broker Karla Reed and Dan Tafoya, KR Realtors. Standing from left are John McBride, McBride California Realty; Christopher Searle, Keller Williams Realty, Ojai; Ingrid McNamara, Best in Show Realty; Sharon LeMay, California Oaks Realty; Alex Whitt, AMS Realty; Gary Gutierrez, Prudential California Realty, Oxnard; and Pat O?Brian, California Oaks, Inc. Also inducted were Sheila Lewis, Forsyth Rizzie Realtors, and Tom Radrich, Pacific Properties.

Source: http://nationalrealtynews.com/national-association-of-realtors/new-realtors-pledge-to-protect-right-of-real-estate-ownership/

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Helpful Tips On Investing In Commercial Real Estate

by author on Monday, September 3rd, 2012 | Comments Off

In fact, there is often more potential for profit in commercial properties than in residential properties. It can be difficult to find good opportunities. Therefore, the following tips will make it easier for you to get good deals in commercial real estate.

Take a look around properties you are interested in. Consider taking a professional contractor along with you as you look over the properties that you consider buying. Make the preliminary proposals, and open the negotiating table. Make sure you evaluate any counteroffers well enough before you make any purchasing decisions.

Make sure the property you are interested in has access to utilities. You will need access to electricity, water, sewer and maybe gas in addition to any unique need that your business has.

Find a variety of financial partners, from friends and family to professional lenders, to ensure you have a cash flow available to purchase commercial real estate. Ensure that the contracts that you enter into have several repayment options available to you, either fixed rate or income percentage.

TIP! If you have found the right commercial property for your needs, read the lease in its entirety prior to signing it. Larger real estate companies can often put in extra requirements in your lease and it can be lengthy! Always read any commercial lease before you sign it.

Create a real estate newsletter or blog that is regularly updated, and stay active on relevant social networking sites. Once you have locked up a deal, make sure to keep your online presence.

Phantom Income

Before you invest in real estate, be certain that you understand the implications regarding your taxes. In addition to depreciation benefits, investors can receive interest deductions. Phantom income also exists: this type of income does not cover cash benefits but is taxed. Learn about phantom income and taxes on commercial income before you invest in your first property.

Think about any environmental concerns that the property poses. For instance, your property could be endangered by the presence of hazardous waste. As a property owner, it is your responsibility to handle these issues, regardless of their origin.

TIP! Prior to selecting a real estate broker, determine what kind of negotiating tactics they have. Find out about their experience and training.

Try practicing patience and remain calm, if you are considering purchasing any commercial real estate. Never rush into an investment. You might regret it if that property is not right for you. It could take some months, possibly a year, for your dream investment to appear in the market.

Before you buy or sell a commercial property, find out several key economic indicators for the region, including trends in unemployment and income, as well as major employers in the region. In addition, you want to keep in mind what else is close to the property. Any place that supplies a large number of jobs to the economy can raise the resale value of any property and make it much faster to sell if you decided to go that route. Big employers might consist of hospitals, factories, or universities.

Real Estate

You should ask the real estate firm about how they acquire their assets before agreeing to do business with them. The firm should answer your questions directly and let you know that what is best for them, might not be best for you. You should determine how exactly they derive profits from your business transactions.

TIP! When you are considering a broker, ask them what their visions of success and failure entail. Find out what criteria they use to determine their results.

Read the disclosures when you?re ready to hire a real estate agent. Remember that dual agency is also an option. Dual agency in real estate is when the agency works for both parties. In other words, the agent is representing both you and your landlord in the same transaction. If this is the case, and the agent is a dual agent, this should be known to both parties and agreed to by both parties.

If you are investing in real estate, consider going big. If you are considering purchasing a building with 5 apartments, understand that you could manage one with 50 apartments just as easily. Buildings with five units need commercial financing as so do the bigger buildings, and you pay less per unit for a larger building.

Now you have the basics of investment in commercial real estate under your belt. Exercise flexibility and quick thinking while you use the market. When you position yourself like this you can make sure you make the best decisions possible, and you can maximize your profit ability as well as give yourself a better

Make sure you never underestimate anyone when it comes to real estate, not your private lenders or your investors, know what everyone is capable of. As an example, many commercial properties are often sold before they are listed on the market, so the more people you know, the more access you have to great deals.

TIP! Find out how the firm that you are thinking of working with measure results. Learn how they determine how much space is needed, the property selection criteria, the negotiation methods, and other details that can affect you.

Source: http://stillhousemarina.com/helpful-tips-on-investing-in-commercial-real-estate/

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Flood threat at troubled La. canal lock eases

A Louisiana official says crews are working to relieve pressure on a lock in danger of failing and flooding homes near a canal in St. Tammany Parish. NBC's Gabe Gutierrez reports.

By NBC News staff and news services

Updated at 12:01 p.m. ET: Engineers on Sunday were assessing the integrity of a lock along a canal north of New Orleans that threatened to fail and send water from the Hurricane Isaac-swollen Pearl River flooding through neighborhoods.

A flash-flood warning was in effect for east-central St. Tammany Parish, a community north of New Orleans in southeast Louisiana but officials said the threat of disaster had eased.


Parish President Pat Brister on Sunday changed the evacuation of the area between Bush and Hickory, east of Highway 41, ?from mandatory to voluntary. ?

"The Army Corps of Engineers Vicksburg District has lowered the pressure on Lock 2 near Bush.?The Corps informed President Brister this morning that the threat level is lowered significantly," St. Tammany Parish officials said in a statement on their website.

Sean Gardner / Reuters

St. Tammany Sheriff Jack Strain Jr., left, walks over Lock 2 of the Pearl River Navigational Canal in Bush, La., on Saturday. Officials opened a valve on the lock to relieve pressure on the overflowing Pearl River Navigational Canal.

"As there is still a potential threat, even though reduced, a voluntary evacuation remains in place until the Army Corps of Engineers deems the Lock stable and safe."

Coastal Protection and Restoration Authority

Aerial view of threatened Louisiana lock

Saturday night,?parish emergency officials said that the opening of valves had relieved pressure on Lock 2 on the Pearl River Diversion Canal but an evacuation order would remain in place.

Water began pouring over the lock and leaching around its sides Saturday, prompting fears the entire structure could be washed away, sending a wall of water into nearby neighborhoods.?

Officials had said earlier Saturday that the failure of the lock appeared imminent. That promoted the mandatory evacuation of thousands of residents in some 1,200 homes.

Parish Sheriff Jack Strain Strain and?Brister late Saturday said the threat of the lock failing had been lessened after crews managed to open valves to release some of the water and reduce pressure on the structure.

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"The lock has been stabilized somewhat,? Strain said, according to nola.com.

Handout / Reuters

St.Tammany officials inspect Lock 2 on Saturday.

"The worst-case scenario -- we don't believe that's going to happen,'' he added.

The National Weather Service is projecting the Pearl River, at the town of Pearl River, to crest early Monday morning at 19.5 feet.?

As residents in Louisiana, Mississippi and Arkansas? began surveying the damage to their homes, remnants of Isaac pushed their way north, spinning off tornadoes in southeast Missouri and threatening flash-flooding in parts of Tennessee and Kentucky.

The Gulf Coast is struggling to recover from Hurricane Isaac as nearly 400,000 homes and businesses are without power. NBC's Gabe Gutierrez reports.

In Missouri's Bootheel region, Dunklin County sheriff's deputies tracked a tornado that destroyed a farm shop and damaged a home's roof, The Associated Press reported.

On Sunday morning nearly 265,000 customers in Louisiana, 13,000 in Mississippi and 7,300 in Arkansas remained without power, according to The Weather Channel.

Isaac was the first hurricane to strike the United States this year and it hit the New Orleans area almost exactly seven years after Hurricane Katrina devastated the city, causing an estimated 1,800 deaths.?

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Source: http://usnews.nbcnews.com/_news/2012/09/02/13620370-threat-of-flooding-from-troubled-louisiana-canal-lock-eases-remnants-of-isaac-push-north?lite

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Low-cost Baltimore and Charlotte auto insurance rates advice ...

michigan car insuranceIt is vital Maryland car insurance to ensure that you?ve proper Nebraska car insurance coverage if you?re a Nebraska resident. Your Nebraska find the honey bee his or her state insect probably because it is so industrious. You might like to mimic the behaviour with this busy bee and check around for car insurance? if you live and own an automobile in the state of Nebraska.

car insurance Nebraska follows a Tort system of law in relation to automobile accidents. This means that someone should be seen to be responsible for inducing the accident, which person in addition to their car insurance clients are in charge of all damages.

Nebraska state law only mandates that you carry liability car insurance. Hawaii requirements are Bodily Injury Liability in the level of $25,000 per injured person up to $50,000 per accident.

You have to likewise have Damage to property Liability car insurance coverage in the level of $25,000. Take into account that if you?re seen to be the cause of a major accident, you will be held personally and financially in charge of any and all damages and medical expenses that?s not covered with insurance. Medical expenses and car repair costs accumulate fast, so you may want to purchase more than the minimum level of car insurance required.

For more information on the necessary level of insurance, or maybe you?ve any queries about Nebraska?s car insurance requirements, you are able to call the Nebraska Department of Insurance located in Lincoln or speak with a licensed Nebraska automobile insurance agent.

While not necessary for Nebraska law, you might like to purchase comprehensive car insurance coverage. If you?re within an accident, comprehensive car insurance will pay for repairs up to nowhere Book price of the automobile, and when the expenses come in overabundance this amount the automobile will probably be deemed to become totaled and you may get the cash price of the automobile. Comprehensive coverage may be required because of your bank or another financial institution for those who have car finance or lease your car or truck. In some cases gap insurance might be a good idea too. Gap car insurance can help make up the distinction between what?s paid by comprehensive car insurance and what?s owed on your own loan if the car is located to become totaled within an accident.

Also not essential through the state of Nebraska, you might like to purchase collision car insurance coverage. Collision coverage will pay for the repairs for your car, minus your deductible, should you are involved in a major accident.

Personal Injury Protection, commonly called PIP insurance added to your automobile insurance plan can help buy reasonable and necessary medical expenses to suit your needs as well as your passengers. While Nebraska state law doesn?t require Personal Injury Protection, you might like to seriously consider this type of coverage. Personal Injury Protection car insurance will help with medical expenses, lost pay, and replacement services for any injuries to you personally as well as your passengers in case you are involved with a car accident.

You could also be considering underinsured/uninsured car insurance coverage. This type of coverage protects you in the event you or perhaps your passengers are injured within an accident caused by a driver who may have no insurance, or is underinsured. Underinsured/uninsured car insurance coverage will pay for things like medical expenses, lost pay, other general damages, and injuries sustained in hit-and-run accidents.

The Nebraska Department of Automobiles uses the words proof of financial responsibility in certain of its forms and documents. This means hawaii desires to see documentation proving that you have a valid car insurance that may cover any personal or property damages you might cause in a vehicle accident.

This entry was posted on September 2, 2012, 1:58 pm and is filed under Auto & Motor. You can follow any responses to this entry through RSS 2.0. Both comments and pings are currently closed.

Source: http://www.cyberskills.org/low-cost-baltimore-and-charlotte-auto-insurance-rates-advice.html

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Top 4 Reasons To Use Business Credit Cards | 50 Plus Finance

Credit cards Fran?ais : Cartes de cr?dit Itali...(Photo credit: Wikipedia)
Securing and properly utilizing business credit cards has many advantages for businesses. Here are the top 4 reasons you should use business credit cards.

Build Credit

There are numerous benefits to using business credit cards but one of the most vital reasons to use business credit cards is to build up your business credit. If you are not using business credit cards and other methods of building credit then you cannot increase your Dun & Bradstreet scoring which is what your business credit rating is primarily based on.

Regardless of how small or large your business is it is vital that you constantly work on building, improving, and expanding your business credit score. The better your business credit score is then the more lucrative your business credit cards will be. If you need an additional delivery truck for your business it is much easier to use your good business credit to buy a new vehicle with lower interest then trying to pay cash for one or securing the loan but at a very high interest rate because you business credit is poor.

The best way to increase you business credit rating is by properly using business credit cards. As long as you make the monthly payment on time you will reap numerous benefits from business cards and they will also help you to expand your business much quicker.

Free Up Cash

By using your business credit cards for your business you will free up much needed cash. By conserving cash you can help to keep your business afloat and financially secure because you have cash on hand for anything that arises. It is still vital that you pay your monthly business credit card bill; however you will be in a financial state where you can do that because you have saved up and conserved your cash because you properly utilized the business credit cards you have secured for your business.

Separate Business and Personal Accounts

By keeping your business and personal accounts separate you will not only make it much easier for your accountant to do your taxes, but it will also help you to better manage your money and help to ensure the financial success of your business. By keeping your business and personal accounts separate you will also be able to show the Internal Revenue Service that you are serious about your business and not just trying to scam some easy tax write-offs.

Appear More Professional

Regardless of the size of your business, business credit cards can help you to appear more professional. Even if you are the only person in your company you will garner more respect and be taken more serious when you have business credit cards in your business name instead of your personal name. If you want to be taken serious as a business person then you need to ensure you have credit cards in the name of your business. If you are trying to secure a new contract you may struggle to get it if the potential business partner does not think you are a serious business.

Author's Bio: The articles of John Max have been proving very useful for the customers who look forward to get information on business credit cards. He suggests them to visit Businesscreditcards.com for further information.


Source: http://www.50plusfinance.com/2012/09/top-4-reasons-to-use-business-credit.html

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Striped Bass Summer

Striped Bass Summer

"My life had already been changed before that summer. It just took a major turn during those short months."

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This topic is an Out Of Character part of the roleplay, ?Striped Bass Summer?. Anything posted here will also show up there.

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--> Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Striped Bass Summer"

You may edit this first post as you see fit.

User avatar
RomeroLover
Member for 0 years



Can I reserve a Female please?

Do you see this man up here? ^^ He's my future husband!! Bless Your Face

User avatar
SmilingNutella
Member for 0 years


Hi! I would love to reserve a female character for you, however, I don't do reservations. It's first come first serve for my roleplays, the reason being several people reserve characters and never get around to making them. I'd love for you to submit one, though!

User avatar
RomeroLover
Member for 0 years


Ok! I just submitted one! I hope she's good enough! :)

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SmilingNutella
Member for 0 years



Post a reply

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Article Promotion ? There's More To Cell Phone Accessories Than ...

Posted on September 1st, 2012 by Ted Jenson

by Greg Hollickson

You know what has been going on with cell phone use in the past five years, it has exploded, and part of the fun it seems is all the myriad accessories you can get for your phone. The level of creativity and engineering currently being applied to cell phones seems to have no bounds. It?s hard to keep up with all the new cell phone accessories on the market, and we want to take a few minutes and talk about some of the nicer phone toys you can get.

The Iphone has a lot of applications that it facilitates, for example those that allow you to spy on text messages. There?s no doubt that the Iphone is a pacesetter is this respect.

The least complex accent for cell phones is the charger.

Depending on the sort of cell phone you possess and the amount you use it, it?ll be essential for you to charge it every 3 days, give or take. People who talk on the phone a lot often carry chargers with them so they can charge up their phone at work, in a cafe or wherever there?s an outlet. You can also obtain a car charger, which is beneficial if you are on the road a lot. These normally plug into the cigarette lighter socket in your vehicle, and these days several people are likely to use this for charging their cell phones and other machines, as opposed to actually lighting cigarettes! If you partake on lots of ventures in your vehicle or have to travel for your job, a car charger is a fundamental gadget to get. Hands free headsets are among the most useful of cell phone accessories, as they allow you to safely talk on the phone while driving or doing other tasks that require the use of your hands. You?ll actually need to have a headset if you?re in state that mandates their use while driving. Even if you are just walking down the street, or around your house, a headset is more comfortable than holding a cell phone to your ear. There are also uses around the home office, or at work, when you want to do something and talk. Take a look at your own life, and you?ll see right away that the hands free headset will make things just a little bit easier.

There are constantly new cell phone accessories being seen because cell phones keep evolving. The level of processing new generation cell phones now have just dwarf what was out even five years ago. New generation phones are coming out with large viewing screens, and they are not cheap and have to be cared for. That?s why one helpful accessory is a screen protector for your cell phone. With all you can do with these large screens, don?t risk allowing the screen to get scratched because it will always be there reminding you. The screen protector will only keep you happy with many hours of use. As mobile phones get more advanced, new cell phone accessories are made available all the time. Some are very simple and low tech, like covers and faceplates, while others, such as speakers and headsets use the latest technology. There is just no end in sight, and if you love this kind of gadgetry, then you should do more reading on what?s new and available.

For more articles visit ArticleDistribution.Org -->

Source: http://articlepromotion.org/blog/?p=103784

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Parlor Games with the Family - How Was Your Day

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Lets play bingo

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One of the great joys in our family is Parlor games.? We like board games, card games,? and trivia.? At every family get together, we end up playing for hours on end.? Sometimes I think it?s more to prevent us from fighting and arguing than to inspire family bonding,? But hey, to each their own!

Here are some of our favorites.

1) Card games.? We?re particularly fond of Gin Rummy and Crazy 8s, but can be convinced to play other games as well.? Personally, I like to play Canasta, but it?s a little difficult to keep track of.?

2) Bingo.? This game is easy to play, no matter how many people you have at a gathering or their ages.? For the really little ones, you probably want to match them up with an older team mate.? You can even choose which kind of Bingo you're playing!?

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3) Board Games.? I adore Monopoly, but very few people want to play for seemingly days on end.? We tend to stick to games like Life, Parcheesi, and even Backgammon.

4) Trivia Games.? Some of us are a bunch of smarty pants know it all showoffs and the rest of us think we?re smarter than we are.? And then there are the truly special few of us ? those that have a penchant for remembering the most useless of facts.? I happen to fall into the 3rd category.? Sometimes these battles are epic and legendary.?

5) Charades and Pictionary.? I don?t find either of these events particularly enjoyable.? I am really really terrible at drawing.? I almost always blurt out one of the words that I?m acting/drawing.? And, perhaps best of all, I get frustrated really easily with the game.? Someone *ahem* me *ahem* usually ends up crying.? That was passable when I was a kid, but as an adult, it?s not such a good thing.?

What kind of games do you & your family play?? We're always looking for a new one to add into our mix.

Tagged: games

Source: http://gretasday.com/2012/08/parlor-games-with-the-family/

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Diet Pepsi formula getting a sweetener tweak

NEW YORK (AP) ? Diet Pepsi is tweaking its formula to stay sweet a little longer.

PepsiCo Inc. is testing new artificial sweeteners that let the soda keep its taste for a longer period of time. The problem is that the current sweetener used in the soda ? aspartame ? loses its potency faster than high fructose corn syrup, the sweetener that's used in most regular sodas.

A person with knowledge of the situation says the company had considered importing versions of Diet Pepsi sold in other countries to the U.S. But now it's testing other sweetener mixes, with a new version set to come out as soon as next year.

The new version will use the same formula that creates Diet Pepsi's overall taste, according to the person, who requested anonymity because she wasn't authorized to speak publicly. But it will use a mix of artificial sweeteners, including acesulfame-potassium, or ace-K, that has a longer shelf life.

Aspartame on its own is more sensitive to heat, which is a problem when sodas are sitting in trucks or waiting to be shipped to retailers.

In an e-mailed statement, PepsiCo said that it's "always looking at ways to provide the best consumer experience," but that it has no plans to change the taste formula of Diet Pepsi.

It's not the first time PepsiCo is tweaking a diet soft drink. The company, based in Purchase, N.Y., made a similar switch to its Diet Mountain Dew in 2006. The Coca-Cola Co. tweaked the sweetener used Diet Sprite in 2000.

By blending artificial sweeteners, companies create a "synergistic effect" that prolongs the sweetener's potency, said John Sicher, publisher of the industry tracker Beverage Digest.

PepsiCo's latest tinkering comes as an increasing number of diet drinks have come on the market. Coca-Cola in 2005 introduced its Coke Zero, which is intended to taste more like the original Coke. Pepsi followed up two years alter with Pepsi Max. But Pepsi Max hasn't performed as strongly as Coke Zero.

After losing market share to Coke in recent years, PepsiCo is looking to bolster its flagship soda brand this year. The company is significantly boosting advertising for Pepsi, which two years ago was edged out by Diet Coke as the No. 2 soda in the country. Coke remains No. 1.

Diet Pepsi ranks as No. 7, according to Beverage Digest, and its sales volume last year was about half that of Diet Coke,.

A spokesman for Coca-Cola, Scott Williamson, said there are no changes planned for Diet Coke, which still uses only aspartame as a sweetener.

The U.S. Food and Drug Administration approved ace-K for use in 1998. It is often used in combination with other artificial sweeteners, according to the Center for Science in the Public Interest, a food safety advocacy group. The sweetener is used in a wide range of foods, including baked goods, chewing gum and gelatin desserts, as well as diet soft drinks.

Source: http://news.yahoo.com/diet-pepsi-formula-getting-sweetener-tweak-115513009--finance.html

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Premier Jobs UK: MORTGAGE ADVISERS - SOUTH WEST

Mortgage Advisor (Employed)

Salary: ?20/25,000 plus monthly bonus

Or Self Employed Options available

Locations: North Somerset (covering Minehead, Dulverton & Wiveliscombe)

Plymouth

North Devon/North Cornwall (covering ten branches between Barnstaple & Newquay)

?Our client company is seeking employed or self employed mortgage advisers to work within Estate Agency businesses in the South West. A good flow of leads will be provided together with excellent admin support.

You will be CeMAP/MAQ qualified and preferrably have an estate agency background or be a broker working with estate agents.? A good understanding of the house buying process is necessary, and you will also need networking skills to self generate additional leads.

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Source: http://www.retailfinancialcareers.com/job/57460/mortgage-advisers-south-west/?TrackID=1&deviceType=Desktop

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