Real Estate

Tax lien reversal: what is a refundable deed and how is it different from a tax lien?

Most investors know the difference between a tax lien and a tax deed. They understand that when they buy a lien they are not buying the property, but paying the taxes on a delinquent property and placing a lien on the property so that if the property owner does not pay the amount of the lien plus interest and penalties, in a Set period of time (the redemption period) can foreclose on the property. And they understand that when they go to the sale of a tax deed and buy a tax deed, they are actually buying the property. But many would be tax investors who do not understand what a redeemable deed is and how it differs from a bond.

What is a refundable tax deed?

A redeemable tax deed is something between a bond and a deed. When you go to a redeemable tax deed sale, you are actually buying the property deed. If you are the winning bidder, you will receive a title deed. However, that deed is taxed for a period of time known as the redemption period (not to be confused with the redemption period of links). The owner can redeem the property by paying the amount that was offered for the deed at the tax sale plus a hefty penalty. If the deed is not redeemed during the amortization period, the previous owner will not be able to redeem the property and the owner of the tax deed is the registered owner and legal owner of the property.

Which is better, redeemable deeds or fiscal bonds?

A redeemable tax deed is very similar to tax liens, but there are some important differences that I think make redeemable deeds a better deal for the investor. I will point out that each redeemable state treats these facts differently. In some states, like Texas for example, when you buy a redeemable deed, you are considered the legal owner of the property and you can evict anyone who may be on the property once you register the deed. The previous owner has redemption rights, but is no longer considered the rightful owner of the property. But in Georgia, which is another popular redeemable deed state, when you buy a deed you are not the legal owner of the property until the redemption period is over and you foreclose on the property. In Georgia, you must execute the refundable deed as you would a bond to take possession of the property.

But in both states and in most other states with redeemable deeds, to redeem the deed, the owner must pay the investor what he or she offered in the tax sale plus a hefty penalty, not interest. What this means is that if you buy a redeemable tax deed and it is redeemed a few days after registering the deed, you still receive the full amount of the penalty. You get the same interest on your money if it is redeemed in 2 weeks or 2 years. A penalty is not annualized like an interest payment would.

What are the disadvantages of investing in redeemable deeds versus tax ties?

The problem with investing in redeemable deeds is that there are only 5 states that sell them and none of these states have online tax sales, so you have to show up for auction in order to participate in the sale. The 5 states that sell refundable tax deeds are Connecticut, Georgia, Hawaii, Tennessee, and Texas. For more information on Tax Lien Investing and Tax Writing, visit and get your free special report on the 7 Steps to Building Your Profitable Tax Lien Portfolio.

Real Estate

How to write a sublease agreement?

A sublease agreement is a contract whereby some or all of the property rights that a tenant has under a residential lease are transferred to a third party. The pros and cons of writing a sublease versus buying a contract prepared by a state-specific attorney online for less than ten dollars.

How to draw up a sublease contract and the difficulties?

A sublease agreement must contain the following clauses:

1. Sublord Information (s).

2. Information of subtenant (s).

3. The location of the premises.

4. Duration of the sublease agreement, including start and end dates.

5. Rent payment: The monthly rent payment.

6. Agreement Termination – The date the agreement ends.

7. Utilities: Generally, it is written that all facility-related utility charges payable by the sublord under the main tenant will be paid by the subtenant during the term of this sublease.

8. Property condition: This clause establishes that the sub-lessor will deliver the facilities at the end of the sublease in the same conditions in which it was received at the beginning of the term, except for reasonable wear and tear. The subataire will be liable to the sub-lessor for damages that occur in the premises or its contents or in the building that are made by the subataire or his guests.

9. Deposit: Subataire agrees to pay the sublord an agreed deposit to cover damage beyond normal wear and tear, unpaid rent and unpaid utilities. The sub-lessor accepts that if the facilities and their content are returned to them in the same condition as the subataire received them, their reasonable wear and tear is excepted, and if there is no unpaid rent or unpaid utility bills owed by the subataire, he / she will refund the subataire the amount of the deposit in full at the end of the term, or within 30 days thereafter.

10. Inventory clause.

11. Original lease clause.

What are the dangers of drafting a sublease agreement?

A written sublease agreement and free sublease agreements downloaded online are both almost always incomplete and contains errors. When dealing with a troubled tenant failing to pay rent or damaging the property, it is imperative that a lawyer prepare a sublease to ensure that the sublord’s legal rights are fully protected.

Is it essential to obtain a properly drafted sublease agreement?

Yes. It is an absolute necessity. A proper sublease is state specific, prepared by an attorney, and complete for your full legal protection.

Sublease agreement.

Real Estate

DIRTY FACTS DIRTY CHEAP FACTS: Successor Trustee and Non-Judicial Mortgage Fraud

“Pick up the phone, am I here alone, or make a social call

I am always at home. Call me whenever you want.

Just call 362-436 – ####

I lead a life of crime

Dirty deeds Done Dirty Tricks!

Dirty facts and they get very cheap! “

-Rock band, AC / DC

This article has been inspired by the six foreclosure law firms designated as Successor Trustees that were awarded by the parties in foreclosure in Missouri, which is a non-judicial foreclosure state. These successor trustees received these appointments from fictitious foreclosure parties to fraudulently foreclose and evict 14,400 families, in Jackson County, Missouri alone, each year for the past five years.

Jackson County is a medium-sized county in the United States.

This is the largest Ponzi scheme the world will ever know about. The number of parties that are complicit in some way is legion. Yes, it is a conspiracy, of that there is no doubt.


OK, I just had it. I am right. You can’t work on a topic for 6 years, 7 days a week and not understand the material. I’m probably not a genius, but I’ve often been told that I’m very smart. Very smart? I don’t know about that, but I’m right about all of this.

There have actually been more than 20 million criminal foreclosures in the United States over the past 15 years. There are about 3 people per family, so 60 million American refugees were forced to leave their homes with the most stupid, but successful, Ponzi scheme of all time. Each and every illegal and unlawful foreclosure has been permitted by our United States Congress, the Department of Justice, and the United States judicial system.

I don’t see this real scoop anywhere on the internet. We have a group of lawyers with websites that drop information intended to convince you that they are very smart and that they can sell ads in the blank spaces of their website if you visit it. But do you really care about the last big failure where the Borrower almost won? Of course not, you want to know how to save your house. Or, if you are a true intellectual, you want to know how to save your country.

Here’s a real deal. In a state of judicial foreclosure, there is a normal home loan that includes the two logical parties, a borrower and a lender who have a mortgage loan agreement. One to lend some money to the other who wants to borrow some money to buy a house, preferably while they are under 60 years old.

These are the statuses of judicial foreclosure:

Connecticut, Delaware, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, New Jersey, New Mexico *, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Vermont, and Wisconsin

The foreclosure party must file a lawsuit between the two parties, the borrower and the lender. Since this happens in court, it is the fairer of the two, but unless the good men and women do the right thing, the evil will still win.

But, over the years, fellows known in the city as “bankers” went back and forth visiting the people we voted to represent us in our state legislatures called “attorneys.” The bankers convinced the lawyers (I know it sounds the other way around, but it’s true) that they needed the ability to foreclose on borrowers more quickly.

In 26 of the 50 states they agreed to create the Non-Judicial Foreclosure system.

I’m not making it up. I know that the hyphenated word non-judicial seems to many, including myself, to mean that the Borrower signed something that seemed to take away his constitutional right to the Due Process Clause. (We can work with him, but he really needs to study this.) He didn’t, but he made it much more difficult to win wrongful foreclosure cases fairly.

The Due Process Clause comes from the 5th and 14th amendments as “RIGHT TO BE HEARD.” Now this has confused many judges. Some because they don’t read or watch television. Some because they are not smart enough to understand the constitution. Some because they are simply bad people.

But don’t think the judges are all bad. Because there are many judges who are understanding it correctly. There are good men and women with very smart minds who rule with borrowers.

Although I have been unlucky not to have met much with them.

But anyway. In a non-judicial state, the party wanting to foreclose claims that:

1. you have the right to collect money from you,

2. You can declare that you have defaulted if you do not pay the money you do not owe and

3. You have the right to foreclose on the court sidewalk out of sight of the court and obtain a deed to your home. It’s not a very strong deed, more like a lien on your title, but it can get you evicted, although you still have the right to sue to get it back (amazing right?)

In non-judicial foreclosure states, the executing parties have used the strategy of chaos and anarchy to pass laws that don’t really make any sense.

The non-judicial foreclosure statuses are:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Idaho, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Carolina, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wyoming

In a non-judicial foreclosure state, there are 3 parts to a home loan. A borrower, a lender, and a trustee who holds the home loan for the borrower and the lender. It is like in a horse race.

The borrower can still win in these states, but it is much more difficult than in judicial foreclosure states where the foreclosing party must file a normal lawsuit and the borrower has a fairer way of winning before a judge, or the borrower can demand a jury trial. . This is becoming a very popular strategy in all states.

Real Estate

Real estate investment, college housing properties

Are you brand new or are you just getting your feet wet with real estate investing? I am a real estate agent, my friends and I watch HGTV. Let me tell you that there are many ways to invest in real estate. I think a lot of potential real estate investors watch shows on how to move and misjudge the process. It’s more work than most investors expect. Doing your own repairs can save money, but many investors are not general contractors.

In conversation, friends and clients interested in real estate investing often ask me where to start. I ask them if they have considered college housing for rental income.

Some who would not have the necessary funds for renovations. That can be a problem, but it is not something that the average person cannot overcome. FHA loans have guidelines and restrictions for making loans to investors. You can have two non-investor residential loans in Ohio. Properties must be at least 50 miles apart. There are FHA loans for investors and a slightly higher interest rate. FHA 203k loans are for distressed properties and include up to $ 35,000 for repairs.

The great thing about FHA loans is that they only require a 3.5% down payment. You should know that loans with a down payment of less than 20% require PMI or private mortgage insurance. This is a premium charged by lenders and a federal regulation that protects lenders in the event of default by the borrower.

Investors should understand that when you are financing, you are not allowed to do the repairs yourself. It is prohibited and it is Federal Law. This protects markets from the downturn, as many buyers fail to complete necessary repairs, lowering property values. It also protects lenders. If a borrower defaults, the lender would rather have a finished and updated property than a sore on their books.

Now you understand more about financing real estate investments in college housing. Now let me tell you why college housing is all the rage for real estate investors. The rent is always going to go up. Getting a college education is expensive, not all students want to live in a fraternity. Keeping up with current rental rates, but renting rooms for a price equal to or slightly less than the current rate will ensure good occupancy.

In Cincinnati, there are numerous universities and college campuses. An investor would have no trouble finding potential properties in Cincinnati for college housing.

Many students make their way through college and get jobs near their school. Some students really want to save on gas and car insurance. They find affordable housing close to school and work very attractive. Even better if they can walk, bike or bus to their destinations.

Advertising your university housing is easy and even free. Just list your rental properties in the schools. Talk to key figures like the debate team leader, the quarterback, or the college newsletter or blog.

I like helping new real estate investors, I have no problem with small private investors acquiring property to use as college housing for rental income. What I don’t like are the big real estate investment firms with capital that rushes in, buy all the properties they can at a discount and charge a premium to students.

There is an interesting debate on this. I found an article “The Dorm Debate” in the New Jersey Monmouth University student-run online newspaper “The Outlook.” In this article, college students pose the question; Should Colleges Provide Affordable College Housing?

Real Estate

4 Top Considerations For Buying Smaller Investment Real Estate!

Smaller investment properties often offer significant financial / economic benefits, in terms of creating a combination of asset growth, return on investment, and some degree of security. However, this is true, only if the buyer, first, completely, understands what to look for and why. Different potential properties have, potential, variable, for optimal performance, etc. While not everyone can consistently care for, pay for, or get involved in big real estate deals / purchases, many more people are able to take advantage of smaller properties etc. These vehicles often include one to four, family / unit, houses, and while some offer attractive investments, others may not – always! With this in mind, this article will briefly attempt to consider, examine, review and discuss 4 important, significant, top / essential considerations and assessments.

1. Cash flow: Cash flow, when it comes to these, generally refers to the difference between funds / income received and monthly costs. It is important to consider these conservatively, basing assessments, not on the highest potential rent, but on market-based rents, and no more than 75% occupancy (to avoid, a potential, cash-crush, if there is any interruption, due to a variety of possibilities / contingencies). In addition, the investor must take care to ensure that his personal cash flow is not affected, by using too high a percentage of his reserves, for initial costs, as well as to create reserves, etc.

two. Local area / neighborhood / market: Before making the leap, thoroughly consider and evaluate the conditions of the local real estate market and discover the market, for rentals, in terms of availability, demand, advantages and / or disadvantages. Get to know the specific area thoroughly and determine, if it offers, the best setting for you and your priorities and purposes!

3. The 6% rule: Many pay close attention to what is often referred to as the 6% Rule, when it comes to buying smaller investment properties. This means that three-quarters of a realistic rental list must make at least a six percent profit. Expenses should include: mortgage-related expenses, including principal, interest, taxes, and escrow; landlord – utilities paid; repair; renovations; updates and reservations, etc.

Four. Property status: Understand the existing condition of the property in question and what will need to be addressed immediately, intermediate and long term. Reserve funds must be used and prepared for as many contingencies as foreseeable, etc.! On the other hand, don’t get too swayed by staging and overestimating your rent rolls!

After more than 15 years as a licensed seller of real estate in New York State, I firmly believe in the possibilities and advantages of investing in smaller investment properties, but only when this is done, with care. And in a focused way! The smarter you proceed, the better you will be!

Real Estate

Texas Electric Service No Deposit

Some electricity providers offer some alternative ways for low-credit or no-credit Texas energy consumers to have their electric service turned on without having to fork out the equivalent of 1 month’s rent for many of these Texas electricity customers. You’ll hear three different options when it comes to low-deposit or no-deposit electric service. These options are postpaid, no guaranteed deposit, and prepaid electric service. Postpaid energy service is what most people have. You are simply billed for the electricity service you used the previous month and you pay that amount. The problem is, if you have bad credit, most electric companies in Texas will want a deposit.

Postpaid electric service is the ideal situation because you are billed for your use after you have used it and you pay on the designated expiration date. This gives you time to read your bill and study how much energy you have used. Then you can pay your bill online or by mail and maybe work on using less next month. Postpaid electric service plans are generally cheaper than prepaid electric service. Many available postpaid plans are flat rates. These rates have been set for an electricity price of 6 months, 1 year or 2 years. When you subscribe to a flat rate, you know exactly what you will be charged for electric service each month because the price does not change. The problem with trying to get a fixed rate on a postpaid service is that most providers will need a deposit if you have no credit or just bad credit. Many consumers have to skip this option because the amount of the deposit is far above what they can afford.

There is another option for Texas electricity service called prepaid electricity. This type of service requires the Texas electricity provider to go to your home or apartment premises and install its own meter. This electricity meter allows you to pay for your electric service in advance. The main problem with prepaid electricity service in Texas is that many customers have complained that their electric service was cut off prematurely due to a delay in prepaying their service. The Texas government requires Texas electric companies to give the energy consumer a fair warning before turning off their electric service, but many consumers have complained that this is not the case. The PUCT is supposed to fine power companies for breaking the rules, but many consumers do not present the appropriate evidence to show the state that the Texas power company is not following consumer protection laws. It is up to the consumer who was harmed to call the Texas Public Utilities Commission and explain what the Texas power company has done to them so that the state takes appropriate action.

The final option for Texas electric service for low income or no credit customers is the no guaranteed deposit option. For those Texas energy consumers who have had their credit affected by some late payments or a credit card that was canceled, there is still an option for them. The No Guaranteed Deposit option requires the Texas energy consumer to have a valid credit card. As long as there is a valid credit card available, there is a second chance for someone who needs to turn on Texas electric service right away without having to worry about how they are going to get $ 200- $ 1000 for a deposit. The way the no deposit plan works is that the consuming country gets a slightly higher electric service rate for the first 3 months they are with the no deposit Texas electric company. After the customer has paid on time for the first 3 months, the electric company will proactively lower the price of energy to the lowest available electric rate they offer in Texas. This gives the customer with no credit or bad credit a second chance to reestablish themselves as a responsible customer who pays their bill on time. Instead of penalizing the customer for their mistakes in the past, this company rewards the customer as long as they pay their bill on time for the first 3 months.

When choosing between postpaid, prepaid, and no guaranteed deposit electricity service in Texas, there are just a few things to consider. The decision is a no-brainer for most people in bad credit or no credit because most people want the least headache possible with their energy company and at the same time have the opportunity to sign up for an affordable energy service. Prepaid electricity is not the right option for most people because the rate is usually much higher than other power companies and the track record of these power companies prematurely shutting down electrical service is quite high. Postpaid electric service is not an option for most bad credit risk customers because they would have to make a very large deposit just to have electric service turn on on their behalf. Texas Electricity Service No Guaranteed Deposit becomes the best option for someone looking to register and order electric service on their behalf and avoid the high deposit scenario entirely. Electricity service comes on quickly, and the headaches associated with buying from an electricity supplier that doesn’t charge a deposit are over. Texas electricity service without a deposit is considered postpaid electricity but without the need for a deposit. For most bad credit or no credit customers in Texas, this represents the best possible option until their credit improves. Since a valid credit card is required, some bad credit customers who don’t have a credit card need to sign up for a prepaid electric service plan because there are no other options, so if the customer’s credit is bad, they don’t have a card credit and cannot afford to pay a deposit.

Real Estate

Sewer Odor Experts for Rooftop Sewer Vent Chimney Filters

Every state, city and village has odor ordinances or treats perceptible unpleasant odors beyond the property lines as public nuisance or nuisance. All plumbing vents produce odors unless they are equipped with a filter. OSHA cautions that levels of 300 ppm (H2S) cause the olfactory nerve to lose sensitivity. At first a “rotten egg” smell is detected but by the second or third breath the smell is no longer noticeable. All major odor problems have associated fines or other penalties.

When you experience sewer or septic odors inside a home or business that is not near a plumbing fixture, these odors are most likely coming from your sewer vents on your roof. All plumbing vents produce odors, including the “rotten egg” smell caused by hydrogen sulfide gas, unless they are fitted with a filter. One of the most common problems is that sewer gas (H2S) gets into the fresh air intakes on the roof from air conditioning systems. On roofs, the code of industrial buildings also requires the intake of fresh air to achieve an air balance against all stale air that escapes through the roof vents. The potential problem can be identified through the basic odor when it is on the roof or around the perimeter of the building, since hydrogen sulfide gas (H2S) is heavier than air and therefore falls into the ” nose level “quickly when the wind blows just right. A professional can use an H2S measuring device to detect and measure the sewer gas concentration that is missed in specific roof vents. Gas-omitting vents are a natural phenomenon in most homes and buildings because that is the way they are designed.

Raising the roof vents does not solve the problem, it just displaces it on a windy day to fly over the exterior wall and open windows, patio, fireplace, garden, pool area, sidewalk, front door driveway, driveway or parking lot. On a windless day, sewer gas is heavier than air and settles on the roof and causes intermittent sewer odors in the home or building.

Installing a one-way valve on sewer stacks will reduce the sewer gas that is vented to the roof through the valve opening and closing. Mechanical engineers design the sewer ventilation system to be a sealed system in the home or business, but with unrestricted ventilation to the atmosphere. This type of system overrides the original design intent for all building designs. The system operates on demand for actions in the home or business such as flushing a toilet or opening a sink. Since this type of system is plugging the vents, it is pressurizing the sewer system in the home or business. You are creating greater potential for sewer gas odor problems. Any kind of faulty plumbing seals or gaskets that may have a small leak will escalate the problem. The breather is now mechanically opened and closed by a valve. It can also fail in the open position. This introduces sewer gas into the roof, when it fails.

Carbon vent filters in sewer stacks are one of the odor filters on the market, but they are less effective when introduced into moisture, causing it to solidify or cake. The sewer gas from the vent stacks has a high moisture content, as the main function of the system is to drain the water into a sealed underground system away from the building. In my opinion, this product is not suitable for this application.

I recommend odor removal vent filters that use Zeocarbon for homes. Zeocarbon is a mixture of carbon and zeolite, which has been independently shown to work up to 7 times longer than normal carbon alone. The chimney filters that use this technology are unique in that they actually regenerate themselves for up to 5 years. These systems use sunlight. The outer, inner and replaceable zeocarbon pouches are impregnated with titanium dioxide (approximately the same amount and type in the most popular toothpastes on the market). When exposed to direct sunlight, titanium dioxide produces ozone, which directly destroys odors and regenerates zeocarbon. When combined with “no-flow periods” common to most homes, this design allows us to operate for up to 5 years without recharging the units. Many units completely block regenerative UV sunlight through the use of opaque rain caps and shields that promote the growth of odor-producing bacteria. However, because zeocarbon can only absorb a limited amount of gas, this type of filter is designed with low-cost, easy-to-replace insert bags. Another good thing about this type of filter is that the restriction in airflow is so slight (it has a pressure differential measured at just 1.5 “wg / ft @ 50 fpm) that it does not interfere with normal ventilation of the plumbing system. Self-cleaning, animal-resistant screens, along with frost-proof insulating solar heat absorption design features, protect the vent chimney from plugging in all seasons.

The zeocarbon filter not only traps the sewer gases in the roof vent so they can’t escape into the air at all, it also means less GREENHOUSE GAS air pollution. It particularly traps ammonia, carbon dioxide (global warming) and hydrogen sulfide (the gas that smells like rotten eggs), which the filter traps at a 18-24% w / w base, and the used zeocarbon acts as an excellent source of nitrogen when mixed with soil. Although the filter is installed directly on the vent pipe, its frost-proof design is such that not only does it not prevent air from entering the vent, but it also prevents frost clogging and keeps out the frost. insects and creatures. This filter is also for vents that are directly connected to aerated or non-aerated septic tanks, septic mounds, drain fields, landfill vents, compost vents, etc. In many cases, city sewer connections carry gas to the house’s plumbing vents, which vent the gases through the roof vents and often into the backyard, where they can be carried to the home. This type of filter has proven beneficial in those cases too!

I recommend for mobile homes, restaurants, nurseries, nursing homes and schools, odor eliminating wind jet filters that filter harmful odors from the sewers by oxidation. The oxidation is achieved with chlorine dioxide technology. Because chlorine dioxide reacts selectively and primarily only with the most unpleasant odor-producing compounds (hydrogen sulfide, organic sulfur, organic amines), odor eliminators will typically provide a much longer shelf life than products like activated carbon. With a properly designed filter that allows the original system design to work, the plumbing system does not pressurize the lines like some of the other products on the market. Moisture does not have a negative effect on the scavenger, therefore no unwanted reactions occur and energy is not wasted unnecessarily, allowing chlorine dioxide to be available and ready-to-order. The result is safe, extremely effective and broad spectrum odor control. Chlorine dioxide remains available and ready to order.

Polishing is achieved with technology that protects against the escape of bad odors that cannot be oxidized. It incorporates polymeric adsorption and electrostatic bonding technologies. Polishing and oxidation are carried out simultaneously. The result is safe (using the same USDA approved food storage material), extremely effective broad spectrum malodor control. (Request USDA Form No. 502 for more detailed information.)

Once you’ve installed the roof chimney vent filters, the internal odors are most likely coming from leaking wax seals or gaskets in your plumbing fixtures. In this case, the odor is typically concentrated in a secluded area, the bathrooms. May be intermittent due to various mechanical building system designs. Bathroom fixtures have a P-trap built into the fixture, so if the fixture comes loose from the floor or wall, the wax seal or gasket may leak. This type of leak will allow the sewer gas to leak directly into the room. Most bathrooms have an exhaust fan that intensifies the introduction of gas into the room by drawing the gas from the source, the leaking floor seal moves it into the ceiling exhaust vent before expelling the gas from the space. This condition is detected through smell or a professional can use an H2S measuring device to detect and measure the sewer gas concentration. The remedy for this problem is to replace the faulty fitting seals. Contact your preventative maintenance group or enlist the help of a local technician with this problem.

Bathroom odors can also be attributed to urine absorption into the tile or tile grout.

Many companies attempt to mask the odor by installing a bathroom deodorant to spray a scented product to mask odors in bathrooms. With proper maintenance of bathroom fixtures and the correct initially designed systems that function properly, this problem should be eliminated. If this condition is corrected over time, it can get worse and affect other parts of the business.

The constant odor and odor may be due to the accumulation of tile grout that saturates the urine around the urinals and the tile grout. There are aerosol products that eliminate this problem by using it in a regular maintenance program.

When you have floor sinks, drains, and waterless floor / wall cleaning, especially in home and business basements in production or mechanical areas, you will often detect an unpleasant odor. A dry P trap allows the sewer system to vent freely into the space. In the case of a restaurant or any building with an exhaust system that may have a negative air balance, the problem is intensified. The exhaust system can carry the sewer gas into the facility. The effect in an isolated area is not uncommon or if you are near a return in the HVAC system, circulate throughout the building. The most efficient way to identify if you have this problem is to do a sewer system smoke test. Before conducting the smoke test, we recommend first checking that all sinks and floor drains have water in the traps p. This would include units in isolated rooms such as mechanical areas and units installed behind or under equipment. Clean walls can be visually inspected, but it is difficult to detect leaks without an H2S meter or smoke test. The dry p-trap when identified can be fixed by adding water to fill the p-trap. Contact your preventive maintenance group for help with this problem.

To fix floor drains and floor sinks, add water to the traps on a regular basis or add a trap primer to the system.

To fix the floor and wall cleanings, randomly check for bad seals. Replace where worn.

Real Estate

The great Greek deception

Financial markets around the world have been in a delirium for the past month. The Greek stock market continued its decline as it fell over 41% last year! The anxiety related to the Greek default also spread to all the major markets in the world. Everyone from NYSE to FTSE is experiencing a sell-off!

The countdown to the Greek default and the avalanche of financial difficulties that it will bring with it seems to have started. Many experts believe that the Greek government is now bankrupt and has no means to pay its debt. Creditors, including the International Monetary Fund (IMF), on the other hand, are hopeful that if the Greeks accept austerity measures they might be able to repay the loans. Hence, there are many opposing views and opinions that are flooding the financial world as of now. No one seems to be sure if the default can be warned? Should you be warned? Or what are the consequences of such non-compliance?

In this article, we will try to answer some of these questions about the growing crisis situation in Greece.

The Greek game of spread and pretend

Any expert looking at the situation from a purely mathematical perspective would have known years ago that Greek debt is simply not payable. The real mess had been created when loans were made to the Greeks. That was the moment when the discussions would have made sense. Around 2009, when the world woke up to the Greek crisis, it was too late!

Greece, in 2009, was like a college student who had somehow gained access to multiple credit cards and now had such a large balance that bankruptcy seemed the only option. The income generated by the Greek government from taxes was not even enough to pay the interest owed on the debt! So the Greeks simply did not have the means to hold on to this debt for eternity even if they wanted to. They were going to default even if they simply tried to pay the interest owed on the loans.

Rather than accept the situation and let the inevitable happen, the IMF and others came up with an ingenious plan. They would lend more money to the Greeks at a scandalous interest rate of 14%. The money they lend to the Greeks will be used to pay back the interest on the same loans they were owed.

So, in essence, they were lending money and withdrawing it immediately. However, the huge interest rates of 14% on the new loans caused the old Greek debt to grow. As a result of playing this extension and simulation game for five years, the Greek loan has now become much larger than it was originally.

Dark losses

In retrospect, the Greek rescue attempt appears to be an attempt to hide the losses in reality. The mathematics simply revealed that the Greeks are obliged to pay much more than is mathematically possible. Thus, by extending even more credit and pretending that things will get better over time, the IMF appears to be trying to hide the losses from investors who have made the investments. The Greek population has been forced into extreme austerity, as this “spread and pretend” game is causing massive unemployment there.

The referendum

The Greeks recently faced a situation where the IMF would not grant more credit unless Greece agreed to humiliating terms and without IMF help, Greece basically did not have the cash to pay its obligations. Therefore, a default was almost inevitable. As a result of this, there was a lot of panic in all the financial markets of the world. If Greece defaulted on their loan, they would also end up exiting the euro.

Therefore, most of the Greeks were trying to get hold of their euro-denominated deposits and were trying to convert them into gold or some other real asset that had value even if the euro ceased to have value in Greece. The result was massive bank runs in which Greek banks, already bankrupt, struggled to return money to depositors, prompting fears of a financial collapse.

As a result, the Greek government reacted by closing banks until the crisis was resolved. They limited the amount of withdrawals to 67 euros per day per account. This was the amount of money a family would need just to get through the day. Regardless of the restrictions imposed, there were people queuing outside the banks and waiting for hours to withdraw as much money as possible.

The Greek prime minister was not sure how to deal with the IMF and creditors. Therefore, he left it up to the public to decide whether it should accept the humiliating terms offered by the IMF or whether it should simply default. More than 61% of the Greek population voted in favor of the default. Therefore, the Greeks refused to accept the IMF bailout at first, causing markets around the world to plummet. However, an agreement was later reached between the creditors and the Greeks and Greece is not defaulting on its debts, at least momentarily.

Greece’s latest bailout simply appears to be an addition to the “spread and pretend” game being played. The fundamentals of the Greek economy have not changed and remain as ruined as before. There does not seem to be a way out of the Greek crisis and granting more credit definitely does not seem like it.

Real Estate

Search for foreclosures for cell tower leases

Real estate investors buying foreclosures are increasingly finding apartment buildings with leases of existing cellular antennas. Cell tower leases can be a foreclosure buyer’s best friend. However, buying foreclosed properties with a cell site lease is not easy, but the deals are there. Even the savvy real estate investor who buys a lot of foreclosures will likely not be a telecom leasing expert, and frankly, even real estate investment experts don’t know how to deal with a cell phone tower lease when buying a property. mortgage. edifice.

The lease of a cellular antenna will be attached to the cell tower in raw land or the installation of a rooftop cellular antenna on a commercial or residential property. If the property is in foreclosure and the bank is not yet the recipient, it will be difficult to get the information unless the landlord / landlord cooperates and trusts you enough to allow you to view the lease. There really isn’t a way to identify these types of foreclosed properties. These types of offers are very difficult to find and we recommend that you do not waste time chasing these rainbows. Focus on the ripe fruit: bank-owned residential apartment buildings and commercial properties.

It is much easier to search for REOs with existing cellular tenants. If the property is owned by a bank, as a recipient, they should disclose all existing leases that tax the premises before the sale, and it is in their best interest to provide the details of the lease or, if you are lucky … multiple carrier leases.

You need to calculate the value of the lease. You want to know the start date of the lease, which is the date they started paying the owner after cell site approval. You want to know how much rent they pay monthly and what are the annual increases that the previous owner agreed to and how many years are left at the back of the lease. The particular cell phone operator will also determine the value of the cell phone tower lease on Wall Street.

How can real estate investors find foreclosed properties that have cell phone operators as tenants?

This is where you need to get creative. Good foreclosure investors have their bird dogs sending them offers. Chances are, they’ve never thought of looking for cell tower site lease foreclosures. Your best option is to connect with your bank’s foreclosure specialist or REO administrator.

All major banks have buildings on their books with cell site leases that they are not marketing to investors. They are simply too busy to put together a database of foreclosed properties with tenants from existing wireless service providers.

Successful real estate investors looking to find these deals should leverage their existing relationships with banks doing business in the territory in which they operate to identify potential deals that have existing cell leases and where the bank acts as a recipient. Ask your banker to scan your REO / foreclosure database for terms like Verizon Wireless, T-Mobile, Omnipoint, Cellco, Sprint, Nextel, Alltel, Cingular, AT&T, Metro PCS, Crown, Towerco, SBA or American Tower. If you find a foreclosed property or building with a cell tower lease attached, you can significantly improve the deal for yourself because you can take cash out of the cell lease, often for six-figure amounts, and put it in for the mortgage or to buy. other. edifice.

It’s also a very good idea to have a cell phone tower leasing expert review the terms of your lease, which disqualifies 99% of real estate attorneys.

Real Estate

Flagged / ghost ads on Craigslist, Backpage, Kijiji? Here are 6 things you can do to stop it

If you market affiliate products and services (or your own products and services) on free classified ad sites like Craigslist, Backpage, Kijiji, etc., your ads may sometimes not appear.

Sometimes it can be due to over-posting or marketing of something that goes against the guidelines of that particular site, or even a technical error. Other times, however, it can be more sinister. As in, a competitor may be hiding their ads.

Here are six things you can do to combat this.

Note: I use the back page of the site a lot, so most of these tips have been applied to this site. But, they will work for almost any free classifieds site that you use to market.

6 Tips For Dealing With Ad Markup / Ad Ghosting On Craigslist, Backpage, Kijiji, Etc.

i) Use more than one free classified ad site. Craigslist is by far the most popular of these types of sites. But there are many others. If you ran only 10 or 20 ads in five or six others, you could still make money marketing your products and services online.

ii) Use more than one form of marketing: I started using the Backpage free classifieds site in January 2009 to market an affiliate product. Since then, I have sold tens of thousands of dollars worth of electronics (no exaggeration). I was so successful using the site that I started marketing my own electronics there.

But I also use other online marketing methods, i.e. article marketing. That is why I can make money online, consistently, without worrying about whether I place ads on any given day.

Why it pays to market on more than one free classifieds site, especially if you don’t do any other marketing

I understand how you can get addicted to a marketing method if you are successful. But don’t do it. It is a recipe for disaster. For example, what if your favorite free classifieds site was down for a couple of days, or it changed the way you can market there, or was bought by another company? Your income could suddenly come to a halt.

This is why your online marketing efforts should always be mixed.

iii) Take advantage of your ads. What do you mean by this? If your ads are being sabotaged by a competitor, especially, promote another product / service, then paste a link to the other (main) product that you want to promote in that ad.

iv) Report the culprit. Earning money online can be difficult, and some people are unscrupulous; although the vast majority are honest and hard-working. If you think someone is hiding your ads, please report it to Backpage, Craigslist, Kijiji, or the free classifieds site you are using.

v) Promote another product: At any given time, I am promoting 4-6 products on Backpage (own and affiliate products). Again, it keeps my online earnings steady because if demand drops for one, I still have others that are selling well online.

vi) Out with the culprit: If you know who is hiding your ads on Backpage (Craigslist, Kijiji, etc.), search for the person on their website / blog (if you have one), on their social media accounts, on forums, etc.

At the very least, it gives them something else to focus on as they will have to respond to your actions.

Sometimes this will stop them altogether and may lead others who may be promoting the same product to take action as well (for example, contacting the guilty party’s host company, domain name registration provider, sites on those that are advertised, etc.).

However, be careful when following this route. Some people are unbalanced.

There’s a lot of money (and I mean a lot) to do marketing on free classifieds sites like Craigslist and Backpage. I can personally attest to this, and I only do affiliate marketing part-time (my full-time job is freelance writing). One day, I made $ 900 in affiliate sales just by placing free classified ads on the back page. Yes, in one day.

So if your ads appear on Craigslist, Backpage, or another free classifieds site, don’t let that put you off. Find a solution and move on.

Learn exactly how to make money online by marketing on Backpage, a popular free classifieds site.