Real Estate

Foreclosure Property Money Pits – Tips From A Certified Home Inspector

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New home buyers should be extremely cautious about hidden property defects in a foreclosure real estate purchase. Recent national real estate data reports that the majority of real estate transactions are now part of a foreclosure process. At the same time, a significant percentage of these buyers forego the recommended professional home inspection process. Buyers are skipping this careful inspection process in some cases because they have been misinformed by the bank, and in others that the property will only be sold “as is” and repairs will not be completed. As an experienced real estate inspector (involved in hundreds of foreclosure inspections), I can report that the “as is” rationale for foregoing a professional home inspection will not only cost the buyer thousands of dollars in purchase price and repair losses, but also putting the buyer’s family at risk from undiscovered environmental and safety hazards.

Having a foreclosure home inspected by a diligent professional is just as important as inspecting an available owner-occupant home, perhaps more so. Sellers and their representatives are required to disclose all known significant defects. But, if a foreclosed home is owned by a bank, the bank has never lived in the property, so there isn’t likely to be much information in the disclosure statements. In this situation, it is especially important to take the necessary measures to know the true state of the property. Homes typically go into foreclosure because the owner can no longer afford the mortgage payments and has moved out. As a result, maintenance and repairs are also neglected. In many cases, the landlord or tenant gets angry and actually removes or destroys major systems in the house. It is critical that buyers know the condition of the structure and all major systems. Only a Certified Real Estate Inspector will provide that information.

The “as is” statement has been promoted to mean that the bank will not repair any defects found. My experience is the opposite. My inspection clients have reported that banks are often sensitive to costly or safety-threatening defects reported by a certified inspector. Even if the bank is unwilling to negotiate on discovered defects, the information the buyer receives from a thorough home inspection is invaluable in making an informed purchasing decision. And even if there are plans for a significant remodel, why risk discovering problems with the furnace, foundation, or structure after you close escrow and get to work? It’s best to eliminate any big financial, environmental, and safety surprises by knowing about issues up front by getting a detailed home inspection. The inspection process is really the only way to find out if the foreclosed property is really a good financial deal or not.

Home buyers, banks, or sellers should engage the services of qualified, trained, and experienced home inspection inspectors. It is also extremely important that the inspector be a certified member of a well-founded professional association such as ASHI (American Society of Home Inspectors). ASHI is the nation’s oldest and largest inspection association. Certified ASHI inspectors must adhere to the CREIA Code of Ethics and follow the Standards of Practice developed and maintained by the Association. Recognized by national consumer associations, these Practice Standards are considered the source for the home inspector’s Standard of Care by both the real estate and legal communities.

Shopping Product Reviews

Xiaomi Mi MIX, a concept phone with a borderless design

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Xiaomi Mi MIX is a new product that has outstanding appearance design. In addition, it features a high screen-to-body ratio. In this article I will tell you something about it. Content includes layouts and shows, specs, and highlights.

Designs and Shows

The full ceramic body is the highlight of the Xiaomi MIX. Combined with a 6.4-inch borderless design and a high screen-to-body ratio of 91.3%, it provides a better viewing experience. Also, the Mix changes too much on the cover. It only leaves a small space in the lower right corner for the front camera. That means the camera has to be turned upside down for selfies. I think this design is not bad at all, after all, it gives us a great viewing experience.

Also, to accommodate the lack of a top and bottom bezel, where the speaker usually is for making calls, Mi MIX is built in the piezoelectric ceramic actuator. The digital-to-analog converter (DAC) chip converts electrical signals into mechanical energy, to send voice calls to your ears. On the back cover, there is a 16-megapixel rear camera and a fingerprint sensor.

My MIX Specifications

Model: Xiaomi Mi MIX (4GB+128GB)

SIM card: Dual SIM card Dual standby, Nano-SIM

Style: bar

Colour: Black (Ceramic)

Shell Material: Ceramic

OS: MIUI 8 (based on Android 6.0)

CPU: Qualcomm Snapdragon 821 quad-core, max. at 2.35Ghz

GPU: Adreno 530

RAM: 4GB LPDDR4

ROM: 128GB UFS 2.0 (does not support card extension)

Screen: 6.4-inch borderless screen

Resolution: 2040*1080 pixels, 362 PPI, contrast 1300:1

Camera: Front Camera: 5.0MP, Rear Camera: 16.0MP

Battery: 4400 mAh (tpy) / 4300 mAh (min) (built-in)

Quick charge: support, quick charge 3.0

Dimensions: 158.8*81.9*7.9mm

Weight: about 209g

Highlight

6.4” borderless display: ultra-high 91.3% screen-to-body ratio

full ceramic body

Cantilever piezoelectric ceramic acoustic technology

ultrasonic proximity sensor

Snapdragon 821 at 2.35GHz

4 GB of LPDDR4 RAM + 128 GB of UFS 2.0 storage

4400 mAh battery, quick charge 3.0

conclusion

In short, Xiaomi MIX explores new frontiers in technology to create a borderless design. In addition, it has several advantages, including ceramic acoustic system, custom 17:9 screen, ultrasonic proximity sensor, and full ceramic body.

The Xiaomi Mi MIX has two models. One includes 4 GB of RAM and 128 GB of storage. Another is the Xiaomi Mi MIX 18k premium model, which houses 6GB of RAM and 256GB of onboard storage. If you like them, you can try it!

Sports

Five current players who could soon join Trammell and Chipper as one-team Hall of Famers

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With six new players enshrined in Cooperstown over the weekend, many baseball broadcasts have included discussions of current members and potential future members. During one game in particular, an analyst praised the fact that two of the new Hall of Famers spent their entire careers with one team.

He was referring, of course, to Atlanta Braves third baseman Chipper Jones and Detroit Tigers shortstop Alan Trammell. Jones received 410 of 422 votes during his first year of Hall eligibility, while Trammell was elected by the Veterans Committee.

It was pointed out that baseball fans may not see a single one-year-old come to Cooperstown for at least another decade, let alone two of them. The announcer identified two future members, Albert Pujols and Adrian Beltre, who have played for several different teams.

However, a cursory look at other stars nearing retirement seems to indicate that we’ll be seeing another one-year player soon. In fact, there could be two or more.

Here’s a list of likely or highly likely team players who could make it in Cooperstown after they leave the field.

Yadier Molina of the St. Louis Cardinals
This guy is a no-brainer for Hall of Fame induction in his first year of eligibility, no matter what his offensive stats are. He has been the top catcher for nearly two decades, has led the Redbirds to multiple World Series appearances, been selected as a perennial All-Star and remains one of the best clutch hitters in all of baseball.

Felix Hernandez of the Seattle Mariners
Approaching its fourteenth season, King Felix is ​​likely to rack up two hundred wins by the time he hangs it, which is well short of the coveted three hundred mark that guarantees consecration. However, his era makes it almost impossible to get more than fifteen wins a year, so that fact, plus a Cy Young Award and six All-Star games, could give him a plaque.

Joey Votto of the Cincinnati Reds
His lengthy contract all but ensures the Canadian will end his playing days at Great American Ball Park, and his numbers approach HOF stats.

Joe Mauer of the Minnesota Twins
The Minnesota native has declined since winning the Most Valuable Player Award as a catcher for the Twins, which could hurt his chances of getting into the Hall. Also, because he is at the end of his current contract with his hometown team, Mauer could be dropped from this roster if he signs elsewhere next year.

Buster Posey of the San Francisco Giants
Ten years into his career, the catcher is a six-time All-Star with an MVP and Rookie of the Award, but it could be his three World Series Championships that eventually land him in Cooperstown.

Relationship

Bakers Blue Label Marie cookies are the best

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The Marie cookie has been around for a long time and is still one of the most famous cookies in town. The simplicity allows you to cook with them, add ingredients to them or eat them as they are.

Have you ever tried to put something on top of these cookies? You can make miniature jam cakes that fill you with sweetness like no other. If you don’t have a cake somewhere in the fridge, this is a perfect substitute.

Marshmallows also work perfectly. This is possibly one of the best treats to make yourself. All you need to do is place a marshmallow between two of the Maria cookies and microwave it for a couple of seconds. A delight of melted marshmallows.

If you’re having a party and want other treats besides cupcakes or cakes, you can make sweets yourself. Dress up this cookie with chocolate chips and serve it as a delicious dessert at buffet tables. This works well for New Year’s parties, Easter parties, or birthday parties.

Most cheesecakes have a base that uses this cookie. You can make the traditional cheesecake or tiramisu.

Traditional cheesecakes can be baked or chilled. Crush the cookies and layer them on the bottom of the pan. To give the base more excitement, you can add lemon juice, orange juice, or zest before adding the mixture to the pan. Make sure to add a bit of sugar.

For the tiramisu, you need to place the cookie between cream cheese, cream and chocolate chips. Finger cookies are usually used to soak up the espresso, but Marie cookies work just as well. This cake does not require baking. Be sure to make a nine cup pot of espresso and add three teaspoons of sugar per cup.

Another current trend that can be seen all over the web is dessert balls. The crushed cookies allow the dessert to remain stiff while it cools and freezes for the baking or frying process. All that needs to be added is a chocolate batter which is usually made up of milk, egg and flour, depending on the recipe and how it is cooked.

Making candy shouldn’t be complicated. They are delicious and deserve to be made as often as possible. Whether you want to impress a group of people or just want to throw a party for one, these treats are great to have on your plate. Marie Biscuits can be found in bulk at a cash and carry wholesaler if you use a lot because they are simply the best.