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Real Estate

Are Zero-Day Inspections the Business Killers in REO Investing?

Typically, a real estate buyer had the seller give them an inspection period in which the buyer will have a professional inspect the property to see if there is anything they missed. These inspections are very inexpensive insurance for the buyer and should always be done when purchasing a personal residence. For investors, inspections are just as important, but investors often carry them out themselves.

A growing trend in REO (bank owned) properties is for the addendum that comes back from the asset manager or real estate agent to have a short inspection period. The usual inspection period for REOs varies depending on the area of ​​the country where the Reo is located. In some badly run down areas, it is not uncommon for there to be inspection periods of 15 to 20 days. In active markets, inspection periods are typically 5-10 days.

The inspection period is very important to investors because it allows them to market the property to their buyer list and resell the property at a profit. If the only advertising outlet selling REOs were MLS, many would not sell as the average investor does not have access to MLS and the best buys are REOs that do not sell within the first 30 days on the market (DOM). ). Investors then put the properties under contract, provide proof of funds or letter of credit, and make a deposit to the closing agent chosen by the asset manager or real estate agent.

However, REO brokers and agents may have trouble closing these deals because the investor hired you at too high a price. He knows it now because he can’t resell it to another investor who will rehab it or keep it as a rental. Therefore, the investor uses the inspection period to get out of the contract and recover the money from him. This usually infuriates real estate agents as they have to put the property back on the market again. If this happens too often, the real estate agent will not only lose this listing, but may also lose the asset manager (bank) as a client.

There is a trend happening in REO hiring that gives the buyer a zero day inspection. This means that as soon as the buyer signs the contract, he can no longer get away using the inspection period as a legal loophole. We’re even seeing real estate agents’ addendums saying zero-day inspection, while asset manager addendums allow 5 days. Obviously, this is a move led by real estate agents because the result is detrimental to the final sale price of the property. These investors who are returning properties are doing so because the price they paid was too high. The result is that the asset manager has to lower its price to attract more buyers.

While a small group of investors are wholesalers who use the inspection period to abandon an offer, the vast majority of investors do not and these are the ultimate buyers who should be bidding on the properties. Because of this onerous zero-day inspection requirement, inexperienced investors are paying more money than experienced investors, often for the same properties. This profit differential could be going into the accounts of asset managers, but they may not even know this anomaly is happening, since their only input is the listed real estate agent.

In short, in an attempt to have fewer failed deals, real estate agents have tightened the inspection period requirement and often the deposit amount. Most REO deposits are in the range of $500 to $1,000, but some realtors require the greater of 10% or $5,000. The net result is fewer bidders willing to buy the properties and larger price drops when the properties are finally sold.

Shopping Product Reviews

Game Review: The Return of Fire Pro Wrestling

The North American release of Fire Pro Wrestling Returns was on November 13. That’s a little over two years after the Japanese release. Having spent a full two weeks with the game in my possession, I think I can give an unbiased review. I’m a longtime fan of this series, but I can still own up to its flaws. How does Fire pro Wrestling Returns compare to the most popular competition? Where to start…

There are no drastic changes to the core Fire Pro gameplay. It’s the same solid grip system fans have long grown accustomed to. Those who are new to the Fire Pro will need to spend some time getting used to the time. The fighting system punishes button mashers. I would advise newbies to set the COM difficulty to 1 and work their way up to a harder level. This is one of those games where appreciation is only earned after learning the ins and outs.

Distinctive features of the series are tight gameplay and a huge roster. FPR has a total of 327 real life competitors. To avoid copyright issues, they have all been given a name change. Vader is called “Saber”, Kenta Kobashi is “Keiji Togashi”, etc. Feel free to rename everyone accordingly. You also have the option to change the attractiveness of the default characters. You don’t have to sacrifice one of your 500 edit slots (CAW) when your favorite wrestler changes gimmicks.

FPR’s all-star roster includes fighters, boxers and mixed martial artists from around the world. Puroresu legends such as Giant Baba, Satoru Sayama (Original Tiger Mask), and Jushin “Thunder” Lyger can be selected. As always, the default roster is dominated by fighters from Puro. Some of the fighters well known to American wrestling/UFC fans include Bret Hart, Sting, Andre the Giant, Petey Williams, Mirco Cro Cop, and Quinton “Rampage” Jackson.

A new addition to the series is a “corner to center” attack. When your opponent is downed in the middle of the ring, you can duck in the corner to set up a spear, super kick, or a few other maneuvers. This adds a bit more drama and precision to matches that feature characters setting up these attacks a certain way. Because of this new feature, you can create an accurate Shawn Michaels or Bill Goldberg if you want to.

A traditional steel cage match has finally been added. Players can use weapons such as barbed wire bats or the cage itself to inflict pain on others. Other match types include S-1 (boxing, punches only), Gruesome (a 12-sided UFC-inspired cage), and the electrified barbed wire explosion deathmatch. While having Hell in a Cell, the Japanese fighters throw each other onto electrified boards covered in skin-shredding barbed wire. It’s different, but fun nonetheless.

Buzz-worthy features include reference editing, belt editing, and ring/logo editing. There is a GM mode called “Match Maker” but it is very limited. All you do is set up matches between wrestlers and get rated by the crowd reaction percentage of the match. There are weird special events that happen during matchmaking that do very little to expand beyond its limitations. For some inconceivable reason, created wrestlers cannot be used in Match Maker.

The presentation is nothing special. The menus are useful, but accessing some features can be a chore at times. FPR’s 2D graphics remind me of arcade games like Wrestlefest. The character sprites are not high resolution, but they are large and detailed. Spike could have easily recycled the graphics from Fire Pro Wrestling Z. Instead they created new sprites and reanimated some pre-existing moves. Some animations look a bit robotic, but they’re pretty fluid.

I’m sad to say that Spike once again mapped the pick up weapon button to the run button. Do you want to get a fluorescent tube from the corner while playing in an exploding barbed wire match? Make sure you are close enough to these tubes. Otherwise, you’ll trip over the barbed wire ropes and end up looking like a complete fool. It doesn’t ruin the game or anything, but such neglect of the R2 button has me dumbstruck. Overall, that’s one of my biggest complaints with FPR.

I do not give numerical scores or ratings in my reviews. If I was the type to do that, Fire Pro Wrestling Returns would probably receive a 91. It’s the best in the series, but like every other game, it’s flawed. Even the so-called classic games that get perfect scores from other reviewers have some glitches or glitches. I recommend this game to anyone who is interested in professional wrestling or the UFC. You don’t have to like Pure to like FPR, the unique gameplay and customization options are more than enough to pique interest.


Lamar Odom – Why They Call Him "The goods"

Lamar Odom is well known among basketball fans for his versatile playing style. What most of them will now know is that Odom was once given the nickname “The Goods” because that’s what he delivered during virtually every game during his younger years. As a star with the University of Rhode Island, Odom would help lead the team to the conference championship and also gave them their first A-10 tournament championship.

After his senior year in college, Odom became eligible for the upcoming 1999 NBA Draft. He was selected with the 6th overall pick by the Los Angeles Clippers and would go on to have a very solid rookie season with the team. His stats of 16.6 ppg, 7.8 rpg, and 4.2 apg were a testament to the type of versatile play Odom was capable of. He was named to the NBA All Rookie second team for his efforts.

After spending his first five seasons with the Clippers, Odom would become a free agent in 2003 and signed with the Miami Heat, where he would play alongside rising star Dwyane Wade. He, Wade, and the explosive Caron Butler would help lead the Heat to the second round of the playoffs where they would fall to the Indiana Pacers in 6 games.

For the following season, Odom and Butler were traded to the Los Angeles Lakers. After the stellar season he had with the Heat just a year earlier, Odom would continue to be a solid player for the Lakers, but they would end up missing the playoffs during his first season with them. He would prove to be a valued member of the Lakers, as he helped lead them to back-to-back NBA titles in 2009 and 2010.

Odom’s size and athleticism generally make him a tough matchup for most defenders playing his position. He has consistently improved his offensive game throughout his career and has also shown good shooting touch from the 3-point line. He is also a very capable defender and rebounder, and his size allows him to effectively protect smaller players. Another facet of Odom’s game that is often overlooked is his ability to create plays. Odom has averaged 4 assists per game in his career, and while it may not sound like much, his willingness to make the extra pass has helped his teams in more ways than one.


How Does Iterative Design Contribute to Continuous Improvement?

How Does Iterative Design Contribute

The iterative design process allows teams to make improvements based on user feedback throughout the development cycle. This can help to ensure that the final product meets its objectives and provides a seamless user experience. This type of process can also help to avoid the pitfalls that can arise when working with complex systems or software, such as bugs and errors.

Using an iterative approach can save time, money, and resources in the long run, as a team is able to resolve misunderstandings and inconsistencies in design early on in the process. This approach can also help to develop a better understanding of the user’s needs, which can in turn lead to improved products.

Another way that Iterative design can contribute to continuous improvement is by preventing a significant redesign at the end of a project. The problem with redesigns is that they often take a great deal of time to implement and can result in a costly delay. With an iterative design process, changes can be made quickly and easily to a prototype, which can prevent a major redesign at the end of a project that could have been avoided.

How Does Iterative Design Contribute to Continuous Improvement?

In addition, an iterative design process can reduce the risk of failure by allowing the team to test a prototype before it becomes a fully-developed product. A prototype can be tested with real users to see what the user does and does not like about a given design, making it much more difficult to get it wrong when a product is already on the market.

Iterative design can also improve the quality of a product by making sure that all of the design elements are working properly before the final product is released. This can prevent a company from having to spend resources to recall defective products or redevelop them after they hit the market. This type of process is typically used in software development, engineering, and manufacturing to ensure that a product is ready for market before it goes into production.

One final way that iterative design can contribute to continual improvement is by providing an opportunity to learn from mistakes. An iterative design process usually requires the team to try a number of different designs and to evaluate them after each iteration. This can help the team to determine which designs are most successful and which are not, thus improving the overall quality of the product.

One interesting example of iterative design is the Wikipedia content management system, which allows users to contribute to the encyclopedia with new information and improvements. These changes are then reviewed and accepted or rejected by the community, so that Wikipedia’s content continues to improve over time. However, it is important for the team to know when to stop iterating. While it is possible to set metrics in a feedback session that indicate when a design is good enough, there are always going to be outliers who can skew the results.


Pros and Cons of Joining a Gym – Details You Need to Know

Fitness clubs, fitness centers or gyms: they all mean the same thing: it’s a place you go to keep fit. From upscale fitness centers offering full spa-like services to simple neighborhood gyms with the most basic exercise equipment, fitness clubs fill that special calling for those who are conscious of staying fit.

If you’re thinking about joining a gym but you’re still not sure what’s in store for you, then you’re reading the right article. This article will help you make up your mind by giving you the pros and cons of joining fitness clubs. For in-depth information on gym memberships, read on and find out:

Advantages of joining fitness clubs:

1. Most gyms have a wide range of exercise equipment that you need for your workout. We all know that it is almost impossible to buy your own fitness equipment and that is why gyms are the best places to go, especially for weight training.

2. Gyms have certified instructors to guide you through your workout. These trainers are essential especially for beginners who need to be guided on the correct form and technique of using the exercise equipment to avoid overexertion and injury. Ask for the qualifications of the trainers in advance before joining any gym.

3. The gym is a place to exercise and psychologically prepares for exercise. No one goes to the gym to ogle bodies (okay, maybe there are some who do). Those serious about losing weight or building muscle know why they can withstand the rigors of a gym workout. Once you enter the hallowed halls of a gym, you’re psyched for nothing more than a workout.

Cons of joining fitness clubs:

1. Gyms require membership fees. If you’re working on a tight budget, this could be one of the most important things you’ll need to consider. While some clubs offer pay as needed, most operate on monthly or quarterly membership schedules. Others require members to sign long-term contracts of one year or more. Avoid this whenever possible, as you’ll never know if a gym is right for you until you’ve tried it out for a while.

2. You share equipment with other users. While most gyms have a complete or nearly complete collection of exercise equipment, they don’t have enough treadmills, ellipticals, or free weights for every user. Most likely you will have to wait your turn. And, if you squirm at the thought of using the same bench full of someone else’s sweat, you might have to think twice about a gym membership because this is a very real scenario you’ll have to deal with.

3. Your hectic schedule can make trips to the gym inconvenient and irregular. For a weight training program to achieve the desired results, it is necessary to adhere to a regular program. More often than not, the demands of work and family will always put the gym on the back burner, to the detriment of your exercise regimen and membership fee.

There you have it: the real deal on the pros and cons of being a gym member. If you’re ready, then sign up for one. Otherwise, you’ll be better off at home observing your own exercise regimen.


Where to find an SBA loan easily

Finding small business financing can take some persistence, but finding genuine information on local small business loans has never been easier. Today’s business owners can use the Internet to select and locate the best financing for their situation, beginning with government-supported small business programs administered at the state and local levels. These are the main places from where you can start your search.

One of the first steps in finding small business loans in your area is to check lenders approved by the local Small Business Administration or SBA. This initial process will help you identify private banks and lenders that work with small businesses because all banks and lenders don’t. These SBA-approved lenders offer federally backed financing through various programs. Apart from that, you can visit the official website of the SBA to find out about the approved lenders or banks.

Business loans and financing options from Business USA’s Access Financing Assistant based on your ZIP code, business purpose, property, and industry details. There are also checkboxes to determine eligibility for specialized loans for local small businesses, such as those owned by women or minorities.

Hundreds of locations are available throughout the US and its territories where you will get your local Small Business Development Center, which is one of the most valuable resource options. A good partnership between the state economic development organization and local universities, with partial funding from the SBA, local SBDCs provide information on all aspects of running a small business, including access to local small business loans. You can find your nearest office through the SBA’s local assistance page, which lists all offices by state and territory.

SBA financing isn’t the only game in town when it comes to local small business loans. Your local bank or credit union may be able to offer you financing that meets your requirements. You should call them because they are familiar with how you control your personal finances if you have an account there. In addition, they are familiar with any state, municipal and regional loans or grants. In addition to this, don’t forget to contact your city’s business development groups and your local chamber of commerce. They may have additional information on small business loans. Likewise, it is advisable to have a conversation with a trusted financial adviser before making any decision.

Internet is the best option to obtain information. Therefore, you can also use the Internet to gather information about your loan needs. Research the best-rated lenders in your area and gather their contact information. If you can’t find any well-rated local lenders, broaden your area of ​​research. Contact them by phone and arrange a meeting with them. They can offer you the most useful information regarding your required loan. Also, they can tell you if you are eligible for that loan program or not.

Home Kitchen

Uses of a dry storage cabinet

In this article, we are going to take a closer look at the uses of dry storage cabinets. These cabinets have a number of applications. If you want to know more, we suggest you read this article. Let’s start discovering more.

Those who deal with microelectronics are regular users of dry storage cabinets. The role of these units is to prevent defects that can occur due to moisture. However, you may be wondering if these products offer a cost-effective solution to removing moisture. Actually, these products make sure that all your electronic items remain intact.

By considering the applications of these units, you can get a much better idea of ​​how they can benefit you.


Typically, these products use a powerful dehumidifier that removes moisture by condensing the air. In most cases, the boxes contain a substance, such as a desiccant. This is a dry substance, like sulfate or calcium chloride.

This product is known by many other names such as dry box, low humidity storage, and dehumidifier cabinets to name a few. The purpose of all these devices is to help you deal with moisture problems. Many of these products feature LED controls, adjustable shelves, glass windows, storage bins, and humidity indicators depending on the model.

Typically, these units are made for moisture sensitive parts such as musical instruments, paints, sensors, lenses, PCBs, and cameras. For best results, they keep the interior temperature between 1 and 50 HR depending on the type of equipment you want to store. If you don’t have this drive, you may end up damaging your sensitive equipment. Excessive moisture is bad for all kinds of machines or electronic equipment.

If you are looking for an alternative to these cabinets, you may want to go for a moisture barrier bag. They offer a lot of protection against potential moisture damage. Although the bags don’t cost much, they cost a lot more in the long run. However, if you get a dry storage cabinet, you can store your items on the shelves. There will be no need to place these items in any bags. So you don’t need to buy bags separately.

Also, you may have to take risks if you want to use moisture barrier bags. For example, if they are not properly sealed or do not use the proper amount of substance, your equipment is at great risk of damage.

Another great thing about these units is that they do not require heavy maintenance. Also, the desiccant can stand the test of time. It can last more than 10 years in most cases before you need to replace it. On the other hand, moisture barrier bags do not stand the test of time.

Simply put, if you are looking to purchase a dry storage cabinet, we suggest that you take your time and shop around for the best unit possible. Ideally, you should purchase these drives from a reputable vendor. I hope this helps.

Digital Marketing

Are you using the power of email marketing?

This is a pretty simple yes or no answer to this question. I find many small business owners say yes to this question, but then share with me that their execution is weak.

They don’t use email marketing consistently, they don’t constantly add more prospects and customers to their list, they haven’t taken the time to learn how to use it more effectively, there isn’t a signup form on their website, etc.

Should I add email as a marketing channel?

Some people claimed that email would replace direct mail marketing because the cost was so cheap.

Email marketing was not meant to replace direct mail marketing, but it can definitely help cut some of your marketing costs and still be effective.

Always remember that you want to use as many marketing channels as necessary to market your business effectively.

Part of your effectiveness will be sharing relevant and interesting content with your readers.

I’m sure you have emails you receive from people you enjoy reading and others you remove or exclude from your lists.

Part of being relevant is not presenting products every time you contact your current and potential customers. You can present products and sales every time, but at some point your customers and prospects may decide they’ve had enough hype.

Keep in mind that this also applies to your industry. If you are a restaurant and you send out a weekly or special coupon, you can keep your email list alive by sending it out weekly.

What makes email marketing effective?

As a small business, your passion for what you do and the quality of your customer relationships are what separates you from the rest. When you use email, you’ll be able to strengthen those relationships and connect with your customers and prospects in a way no one else can, every time you hit ‘Send.’
Email marketing delivers bottom line results.

Email marketing offers you a fast and effective way to get your message across to current and potential customers and keep your organization top of mind. It is an innovative marketing tool that is as easy to use as it is powerful. But it doesn’t end there.

Your Email Marketing must have the following tools available

Your email marketing tool should also make it easy to integrate your social media channels. So when you send an email to your mailing list, you’ll be able to connect with a whole new audience of potential customers through social networking sites and generate even more new business.

You want to make sure that the email tool you use makes it easy to get the look you want quickly. Many of the Email Marketing tools have email templates designed for each type of communication (newsletters, promotions, etc.).

Make sure you can customize your emails with your logo, images, colors, fonts, and more. You want to keep your brand identity consistent across all of your marketing channels.

Also, see if you can find business-specific template options that are easy to use.

more to-dos

Consistently promote and link to your social media pages by inserting Facebook, Twitter, and LinkedIn icons into your emails.

See if the email marketing tool has an auto tweet feature to automatically post emails to your Twitter feed.

Make it easy for your current and potential customers to share your email message on their social networking sites with a Social Share Toolbar of some kind.

Make sure you can easily import and manage your entire contact list. Some email tools make this a huge headache.

You want to make sure that you can add people to your email marketing list directly from your website. When you can add to your email list directly from your website and Facebook page, it makes your life easier.

When looking at email marketing tools, see if you can schedule welcome emails or commonly sent messages with your email autoresponder.

A reputable email marketing company will make sure that your emails get seen. Good companies will have a delivery rate of over 95%. This will keep your emails out of spam folders.

A good email marketing tool will also have some sort of antispam checker.

They must also be reputable and follow permission-based email practices.

Your email tool should be able to track your results. If they have graphs of your email campaign results, including: open rates, clicks, and bounces, that’s even better.

Another nice feature in your email marketing tools would be the ability to measure your social media success with how many fans ‘Like’ or ‘Share’ your emails on Facebook, Twitter and LinkedIn.

Your action steps

Go find a good email marketing tool. The most important part to remember is that this is just one tool in your marketing plan. Don’t pin all your hopes on one tool.

Think of your various marketing channels like the spokes of a wheel that are delivering your ideal prospects and customers to the hub in the center of your wheel.

Have a variety of spokes in your wheel for maximum efficiency, and use email as one of your most effective tools.

Go and conquer your market.

Health Fitness

Why cycling is a fun exercise

If you find hitting the gym a dream workout, you might want to try biking outdoors. Cycling, compared to gym exercise, is more fun. When biking, you won’t be bored with the changing environment as you ride along your chosen bike path; whereas, in the gym, you are stuck with the same walls and equipment. It’s no wonder some people find it difficult to keep exercising at the gym. There is more variety in the cycling experience.

More people are taking up cycling as part of their weight loss program because it’s a low-impact exercise and more fun to do. As a low-impact exercise, it is easy on the joints and therefore makes for a comfortable workout. It doesn’t mean you won’t sweat it. In fact, riding a bike burns as many calories as running. By biking at a moderate speed, you can burn about 650 calories in an hour.

As you pedal your way to weight loss, you build your stamina and strength by working the major muscles in your legs, arms, and core, giving you that well-toned physique.

As an aerobic exercise, cycling strengthens the heart and lung muscles, which allows the transport of oxygen in the body and improves cardiovascular fitness. This also helps lower blood pressure and reduces the risk of heart disease.

Cycling is a good exercise that does not require special skill. However, as a beginner, you may want to practice riding your bike in your backyard until you are confident in taking it on the road. However, it may just take a little practice because you probably already rode a bike as a kid and once you’ve learned the skill, you won’t forget it.

There are things you may want to consider and remember if you decide to take up cycling as an alternative exercise to gym routines.

· You may want to check if the bike you are using fits you well for riding comfort.

It is advisable to plan the route and familiarize yourself with the cycling regulations of the area.

· Security First. You may want to check your tires and brakes before you head out for a ride.

· Be visible to other motorists by wearing something shiny to avoid accidents on the road.

· Do not forget your helmet.

When paired with a healthy eating plan, cycling can help you shed those extra pounds while enjoying a good, fun workout.

Legal Law

Lester Levenson’s advice on depression and how to stop it before it starts

The World Health Organization reports that every 40 seconds someone commits suicide. 800,000 people take their lives. That is more than wars and natural disasters. There has been a lot of talk lately about depression and the suicides of stars like Robin Williams. Why would a brilliant and successful guy like him take his own life? What would get someone to that point? What was his mind doing at that moment that he told her that this was the only way to ease the haunting pain?

Lester Levenson, the creator of the KISS Releasing System and my teacher/friend of 11 years, had the best solutions for this. He was not only a fully realized Master, but he was also a physicist and a millionaire. He was cured of terminal heart disease in 1952 at age 42 and lived to be 83. “The mind is the enemy,” he told me. What did he mean? It is this. The mind is like a million-year-old computer hard drive full of useless and infected files. He can never help us because YOU is the problem. We look for answers there, but it will only make things worse. The mind is just a junkyard of the past. It’s a record/playback machine that won’t really help us. It sees the future as limited by what is stored there as our experience. Before I found and used KISS Releasing, I used to have long bouts of depression. I saw everything as dark and negative with hope whatever. It is extremely painful, and hopelessness can lead you to end your life. I’m sure this is what Williams was experiencing. Her lifelong drug and cocaine abuse exacerbated the problems.

Lester had this advice. 1. Learn KISS Releasing and use it every day. It will keep you out of depression and show that the mind is lying to you. The 6 steps of KISS will keep the Truth in front of you. When we start to believe the mind, we fall into a mental vortex of negativity from which it will be difficult for us to get out. 2. Stay in the now. Depression always focuses on the past and the future and leads us to hopelessness. Both are illusions of the mind and are NOT true. Ask yourself if this is true or if it is crazy. You can’t change the past, but you CAN change your reaction now. 3. Read books by Masters and people of great spirituality. It will keep you up so you can’t be sad. 4. Help others. Be as selfless as you can. You can’t be depressed doing this. It is impossible. “Disinterest is the greatest selfishness,” he said. 5. Exercise. It breaks the resistance in your body and it will lift you up.

He told me that people who commit suicide will come back and have to face the same problems again. So it’s not a workaround, just a temporary escape. 6. Lester said, “Love, love, love. You’ll be so happy, so healthy, and so prosperous.” When you love, it is not possible to be depressed.

So there are answers from a smart man on how to stay out of depression. I use it all the time, and it works.