Buying Real Estate: How To Make It A Great Experience | Toronto ...

Posted on 20. Jul, 2012 by admin in Info Buyer

You only need to know how to approach the market as a buyer, and that goes for investors or for would-be homeowners. Make your real estate buying experience an easy one by reading the ideas presented in this article.

Prior to purchasing any home out there, you always need to check the property thoroughly. Not taking enough time to research will result in your purchasing something that will cause you regret later. Research important features of the property, such as crime rates, property age, and any other factors that may be necessary for an informed purchase.

TIP! Having an approval letter in hand will make you more attractive to sellers. The process of buying can be lengthened if you need to wait for approval, and this may wind up costing you extra.

When you have committed to buying a piece of property, remember to be realistic and patient about the options you have. It might take a while to locate the property that fits exactly what you are looking for.

Before buying a home, get an inspector to examine it. If the house you?re looking at requires serious renovation work, you need to know it before buying it. Not only will this cost a lot, you might need to change your living situation until it?s fixed.

Don?t come on too strong in purchase negotiations. Some people feel as though they should be aggressive in order to get the best price; this can backfire on them. However, you should always stand firm on your wants. Allow your lawyer and Realtor to attend negotiations because they have experience in negotiating.

TIP! Take time to measure a house you thinking about buying. Be certain that the square footage noted on public records and that listed by the owner are the same.

Homes that need multiple improvements or updates are sold at a reduced price. This lets you pocket some extra cash up front, and then you can make the repairs on your schedule. Renovations will give you equity with each step, while also allowing you to choose what your home will look like. Don?t allow the minor repairs to overshadow the potential the house may have. The home of your dreams might be waiting for you behind an outwardly rough exterior.

When you are considering purchasing a building for business use, do your research on the surrounding neighborhood to ensure it is a safe and stable area. A great customer base is necessary, but if you open in a lackluster neighborhood, you may not get the results you want. Ask your real estate agent where an ideal location to open a business is.

When you?re ready to buy a home, you?re aware of the asking price. However, figuring out your offer is most important. Your real estate agent can help you negotiate a good deal that satisfies everyone?s needs.

TIP! A good home-buying tip to implement is to make sure you gather enough information on the local market. Check websites including City-data.

When buying foreclosed properties, hire a good attorney who specializes in real estate. There are many complications that can come up when you are buying a pre-foreclosed or foreclosed home. It is wise to have legal representation that is on the lookout for your best interests. You can actually save a whole lot of cash in the end.

When you are looking for a new home, don?t be swayed by great decor. You should base your decision on the condition and structure of the house. If you just base your decisions on appearance, you risk overlooking serious problems that will be expensive to fix later.

When you are planning on making an investment in real estate, you should keep your goals in mind. Are your goals short or long term? If you won?t be able to achieve your goals through an investment, then don?t make the investment. Many property owners fail to make sure their needs are met and end up with a losing investment.

TIP! When shopping for your new home, it is important to consider future needs. While you might not have children currently, you should look at the quality of area schools if you think you may still reside there when you do have children.

Keep an eye out for pre-foreclosure properties. If you have lots of time to devote to finding your investment property, then pre foreclosures may be the way to go for you. A pre-foreclosure property is one whose owner is delinquent in his or her payments and risking the loss of the house. You can obtain a list of potential pre-foreclosures from any lender, or you can advertise that you buy homes for cash. Whichever way you handle it, when you contact the current owners, determine how much is owed and try to offer them a little more than what they owe. You will discover that you will get a great deal because most owners owe less than the property?s market value.

If you understand how to view the market through a buyer?s eyes, you will achieve your goals. You will have to learn more about real estate. The article above provided you with some insightful ways to do just that. You can now deal with the rest of the

It is critical to thoroughly understand the terms of a mortgage loan when you purchase a home. Make sure you have a solid grasp of how the terms of a mortgage can affect your mortgage payment and the total price you are going to pay for the home. If these things make sense to you now, it will prevent confusion later.

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Source: http://www.torontorealtoronline.com/2012/07/20/buying-real-estate-how-to-make-it-a-great-experience/?utm_source=rss&utm_medium=rss&utm_campaign=buying-real-estate-how-to-make-it-a-great-experience

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Source: http://williamsondwight.typepad.com/blog/2012/07/buying-real-estate-how-to-make-it-a-great-experience-toronto.html

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Japan probes alleged cover-up at nuclear plant

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Source: http://news.yahoo.com/japan-probes-alleged-cover-nuclear-plant-072025036.html

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Scandal, economy, unrest mar China's leader change

BEIJING (AP) ? China's once-a-decade political transition coming this fall seems devoid of drama on the surface: It's clear who will take over, and the fight for other top spots is invisible to the public. But beneath the veneer of calm, the Communist Party is struggling to contain troubling events and mask divisions.

The world's second-largest economy is experiencing an unexpectedly sharp slowdown. Violent demonstrations percolate as people tire of corruption, land grabs and policies seen as unfair. Tensions simmer with neighboring countries and the U.S. over territorial disputes in the South China Sea. Then there's the unresolved scandal involving Bo Xilai, who was a well-connected contender for high office before he was ousted for still unexplained transgressions.

The communist grip on power isn't threatened and the lack of open elections means they require no voter approval. But the party risks eroded legitimacy and a reduced ability to impose its will, further alienating younger Chinese and encouraging critical opposition voices arguing for a democratic alternative.

As the party's unstated contract with the people exchanging one-party rule for economic growth frays, pressure for reform is likely to intensify.

"The economic downturn, human rights demands and political reform are major issues for the party," said Wu Si, editor-in-chief of the Beijing-based pro-reform journal Yanhuang Chunqiu. "None of the leaders know what to do about it."

Five years after he was picked as successor, Vice President Xi Jinping remains on track to take over from President Hu Jintao in the party's fall congress, where its leading members will install a new generation of leaders.

China is run by a collective leadership, and many of the other seats in the Politburo Standing Committee, decision-making's inner sanctum, are undecided, analysts and party insiders say.

Final decisions on the leadership lineup and key issues to be addressed at the congress should be hammered out in various sessions this summer, including informal meetings east of Beijing at the seaside Beidaihe resort.

None of the leading contenders ? mostly proteges of Hu or other rival party elders ? is trying to grab headlines.

Open politicking is strongly frowned upon, and while competition for posts and influence is intense, it takes place far from the public as the party seeks to display a united front, said Jiannan Zhu, a political scientist at the University of Nevada, Reno.

"The priority for the Chinese government ahead of the party congress is to make sure no major instability occurs," Zhu said.

The flamboyant Bo is one of the few Chinese politicians who did overtly campaign for a higher-level job, and that is believed to be one of the sins that led to his downfall.

His removal as party boss of the mega-city of Chongqing and suspension from the Politburo exposed divisions within the leadership. It also further convinced an already skeptical public about the greed and bare-knuckled machinations of their secretive leaders.

Bo's ouster this spring was accompanied by the announcement that his wife and a family aide were under investigation for the murder of a British businessman. Reports have said that Bo tried to quash the probe.

Trial for Bo's wife, Gu Kailai, and for his ex-police chief, Wang Lijun ? who exposed the murder when he fled briefly to a U.S. consulate ? could begin this month, according to diplomats in Beijing who spoke on condition of anonymity.

As for Bo himself, politically connected Chinese have previously said that party leaders would have address his fate before the congress to heal divisions, but the government and its media have said nothing about the case in recent weeks.

Dealing with Bo is believed to have distracted the leadership, delaying its response to the deepening slowdown that has dragged growth to a three-year low of 7.6 percent in the three months ending in June. Interest rates have been cut twice in the past month and a half in a bid to kick-start growth, but Beijing is powerless to stem the malaise in Europe and the U.S. that has slashed demand for Chinese exports.

The downturn could worsen unrest. China already sees 180,000 strikes, protests and other mass demonstrations each year, according to government data compiled by Tsinghua University sociologist Sun Liping.

In recent protests in the southwestern city of Shifang, high school students joined ordinary Chinese in demonstrating against a copper smelter. Images of police beating protesters bloody and firing tear gas sparked nationwide outrage after they circulated online.

Trying to put a lid on disturbances ahead of the congress, authorities are tightening already stringent controls on political critics and activists of all stripes. Wu Lihong, who once received a government award for his environmental campaigning, said he has been told not to travel or accept speaking engagements in coming months.

"They're using the congress as a pretext for every kind of restriction they can think of," Wu said by phone from his home near heavily polluted Lake Tai.

The need to quash unrest was underscored in a speech this week by the party's law and order chief, Zhou Yongkang, in which he ordered cadres to nip problems in the bud ? whatever the cost.

"All levels of the party and government must make maintaining stability their first responsibility," Zhou told security officials at a national teleconference Tuesday.

Authorities also are trying to keep Chinese media in line. They dismissed two editors at Shanghai's Oriental Morning Post after publication of a story calling for private industry to enjoy the same rights as state companies.

Southern Weekly, one of the country's most widely respected newspaper groups, has seen editors replaced by propaganda officials. Editors and reporters at the paper said the new leaders spiked an interview with Shifang's party boss, who was replaced soon after the riots. The party leader defended his actions and complained about the lack of outside support, the editors said.

"Everybody feels like things are getting more oppressive. It's been happening for a long time, but the party congress is making it worse," said one former Southern Weekly editor who now works for online media. He asked not to be named to avoid repercussions against his new employer.

To some Chinese, government repression is raising doubts about whether a new slate of leaders will overcome entrenched interests.

Zhang Jian of Peking University's School of Government said that even if Xi were inclined to make bold social or economic changes, he would need support from other leaders, and the government's recent heavy-handed tactics make clear there is no consensus that reforms are needed.

"I see no hope at all that Xi will be able to put in place any serious, meaningful political reform," Zhang said.

Meanwhile, economic pressure is likely to grow. China's rapidly aging society will severely restrict the labor pool, undermining China's low-cost advantage and increasing the social security burden for workers and the state.

"The world is changing rapidly around the party. Muddling through will not be feasible during Xi's rule," said Harvard China expert Tony Saich. A major crisis in coming years will either demand major reforms or severely challenge the communists' grip on power, Saich said.

Source: http://news.yahoo.com/scandal-economy-unrest-mar-chinas-leader-change-052203631.html

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Statement by US Conference of Mayors President Philadelphia Mayor

PHILADELPHIA, July 20, 2012 /PRNewswire-USNewswire/ ? The following statement was issued today by U.S. Conference of Mayors President Philadelphia Mayor Michael A. Nutter after today?s mass shooting in Aurora, Colorado:

?Once again our nation?s attention is riveted on a single act of violence that has claimed a dozen lives and left dozens more injured.

?The nation?s mayors express their shock at a mass shooting and send their condolences to the victims, their families, and their community.? Our friend and colleague Aurora Mayor Steve Hogan is in our thoughts and prayers this morning as he helps his city cope with this tragedy.

?While we don?t yet have all of the facts in the case, we do know that all evidence this morning points to a heavily armed assailant now in police custody.?? While questions about his motives and about how he obtained his weapons will be answered in the hours and days ahead, the fact remains that once again guns have been used in a mass killing of innocent people.

?The U.S. Conference of Mayors is repeating its call for reasonable changes in our gun laws and regulations that could help to prevent senseless tragedies such as the one that has rocked Aurora and the nation this morning.?

The U.S. Conference of Mayors is the official nonpartisan organization of cities with populations of 30,000 or more. There?are 1,295 such cities in the country today, and each city is represented in the Conference by its chief elected official, the?mayor. Like us on Facebook at?facebook.com/usmayors, or follow us on Twitter at twitter.com/usmayors.

Source: http://psc.apcointl.org/2012/07/20/statement-by-u-s-conference-of-mayors-president-philadelphia-mayor-michael-a-nutter-on-this-mornings-mass-shooting-in-aurora/

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Christa's Soapbox ? Have a Me Party! | Christa Quilts!

This week we went to the beach for a family vacation with my husband?s parents.

We stayed in this cute little house with a wonderful view of the ocean. We?d sit out and watch people go by on the board walk, then hop over the gate to play in the surf and sand whenever we wanted.

While on vacation, I had a little ?Me Party?!

I decided on this trip, in between visiting with family, watching the kids play, and relaxing with my hubby, I wanted to carve out a little alone time to do some of the things I enjoy.

I started off each morning with an invigorating run before the rest of the family was awake.

I found this great trail not too far from the beach so I tuned in to my iPod and tuned out the world for a few miles. Then I didn?t feel so guilty later when we ate all the yummy family treats.

After checking my emails for the day and making sure things were running smoothly at the shop back home, I?d relax and catch up on some good reading while the kids played.

I was ?sew? inspired from all the good quilting books I read this week. But instead of waiting until I got home to start on some projects, I brought my little Singer Featherweight along with me!

I sewed together all of the strips for my Jolly Jelly Roll quilt tutorial I?m starting this week. Any vacation is lovely when I can incorporate some stitching into it!

And I?ll admit, I?ve never had a more relaxing time sewing on a binding!

I finished up my Li?l Rascals charm quilt in the late afternoon, when the wind picked up and the volleyball players came out to practice. This truly was a little bit of heaven on earth!

Source: http://christaquilts.wordpress.com/2012/07/21/christas-soapbox-have-a-me-party/

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Amzer TPU Case for Galaxy S3 review

TPU – thermoplastic polyurethane – might just be the most durable material for a phone case.

 

Your new Samsung Galaxy S III (S3) is one of the most sophisticated and technologically advanced phones you can buy.  TPU is a sophisticated material known for resisting abrasion, great low temperature performance, good transparency and elasticity and resistant to fingerprints.

read more

Source: http://feedproxy.google.com/~r/androidcentral/~3/Zw-3Wg_KD9c/story01.htm

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Will a $5000 tax cut for health insurance with no regulation on what ...

Will a $5000 tax cut for health insurance with no regulation on what a company can charge lead to insurance ?

being any cheaper? Since McCain wants to have the insurance companies charge what the market will bare and insurance companies know that people have extra money only if they spend it on insurance. I am just saying it seems like they can just increase what they charge. It does not cost the buyer any more to pay 5 grand more.

You can compare quotes from different companies for free at: Usa insurance quotes

McCains plan also takes away the Tax Credit a Business gets for paying part of an employees coverage.
So what will happen, is Businesses will no longer offer Health Insurance leaving the American worker to get their own insurance.
Insurance ?MIGHT? become cheaper for single people under the age of 25 but for families or for older workers (like me who has had bypass surgery) My insurance will cost about $10,000 more a year (If I can get Complete insurance)
It would be a disaster for 80 to 95% of Americans,
I don?t know about the health care industry, but over here in the construction industry any taxes, hike in the price of materials and fuel or excessive costs due to regulations are always passed on to the consumer and yes of course we, like all other businesses usually charge whatever the market will stand. That?s called free enterprise pal.
let?s see, it already cost an arm, a leg, and a finger nail to see a doctor, that doesn?t even begin to cover the test. Don?t ya love the lies, and proaganda?
4 years ago
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source: insurance quotes

Source: http://www.southernontheinside.com/will-a-5000-tax-cut-for-health-insurance-with-no-regulation-on-what-a-company-can-charge-lead-to-insurance-question/

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