Buyer Beware! The Truth About Real Estate Brokers And Multiple Listing Services

By Bob Miles

Most people believe that if they hire a real estate broker, then only that broker will help them find a buyer. In many cases, however, this is not true. Most brokers have access to multiple listing services, which allow a broker to list the concerned real estate with many brokers with the understanding that if another broker locates a suitable buyer for the first broker’s client, then the two brokers will share the commission. This is good for brokers because they can earn money from buyers who may not be looking for the type of property their own clients are selling; it is good for sellers because for the same price they can take advantage of the efforts of many brokers instead of just one; and it is good for buyers because many brokers representing many different sellers will be looking for them.

Brokers perform two different functions – the ‘listing broker’ represents the seller, and the ‘showing broker’ shows the real estate to potential buyers. Although most people assume that these two functions are carried out by the same person with respect to a particular piece of real estate, with multiple listing services this isn’t necessarily the case. In many cases the showing broker has received authorization to show the house from the listing broker. This is important because although the buyer may assume that the showing broker represents him, in fact the showing broker represents the seller’s interests, not his. In response to this situation, and increasing number of potential buyers are concluding broker’s contracts with their own brokers to make sure they are receiving (relatively) unbiased information about the real estate that is shown to them. If you are a buyer, it would certainly be a good idea to conclude such an arrangement. Although you will have to pay for it, consider how much money you have to lose by buying a house that you will later regret buying. Of course, this arrangement offers new opportunities for corruption as well – imagine a broker secretly representing buyer and seller at the same time and receiving commission from both!

[youtube]http://www.youtube.com/watch?v=AtPhHPFDZcU[/youtube]

DISCLAIMER: The foregoing is intended for reference purposes only and not as legal advice.

About the Author: Real Estate Law in Plain English explains real estate law without the legalese.

Source: isnare.com

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CN Health & Safety Plan planned to be cancelled

Monday, August 29, 2005

On July 18, 2005 CN Rail notified the CAW that they intend to cancel the CN-CAW previously Negotiated Health & Safety Plan. The CAW will be going to arbitration this fall to address the issue. The CAW has asked that employees notify their Health and Safety Rep about any safety concerns at the work place.

One terminal has lost 5-6 full-time positions. CN Rail used to have part-time positions filled as well, but at this time there are no part-time employees to cover work if a full-time employee is absent. Overtime is necessary to keep the trains running on time. Intermodal traffic goes up, but staff goes down. CN Rail expects the trains to go out on time, and in a safe condition, but staff is overworked, because there are not enough of them. In fact, one worker noticed that most of the rail cars that contained 40 foot overseas containers did not have their loading guides in place. Trains are not allowed to go out without these guides placed into the cars (the guides stop the loads from swaying from side to side in the cars), important for safety with double stacked containers, but it seems that in this case the lack of employees forced the train to leave without them.

Some recent derailments have come to the attention of the media and politicians.

On August 3rd 2005 there was a derailment in Wabamun Lake Alberta that spilled toxins into the lake. 2 days later there was a derailment in Cheakamus River near Squamish BC. Both derailments spilled hazardous materials into the water. Many are saying that CN took too long to notify people of the toxic spills.

The Conductor on each train carries with him the shipping manifest with him and has access to that information at all times. Almost any CN terminal that has a clerk working at it with access to the CN Intranet can get this information within minutes.

CTV news has said that this is the 5th derailment for CN this month.

Retrieved from “https://en.wikinews.org/w/index.php?title=CN_Health_%26_Safety_Plan_planned_to_be_cancelled&oldid=627251”

Secrets To Lower Your Payments On Mortgage Without Refinancing

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Ways of lowering mortgage payment are many while you also keep cash I your account. The common idea is to refinance your home loan and benefit a lower rate. However, the cost of mortgage refinancing is high and some homeowners may not have the cash. In most issues, your mortgage payment might be lowered by your lender without refinancing the home loan. This article will help and guide you to get the know-how.

You need to prepare your financial documents ad proposal to request lower payments on your mortgage. Below are the steps to take to get your lower payment from your lender without any hassle.

1 Prepare your Financial Hardship Documents

[youtube]http://www.youtube.com/watch?v=5WpU2j7W1yY[/youtube]

The mortgage lender needs to restructure the loan terms to lower your mortgage payment without the option of refinancing the home loan. Be aware that not everyone qualifies for this provision. Before any request will be approved, your financial situation will be review by the lenders to determine if you qualify for help. Most legitimate reasons lenders will consider are loss of employment, injury, illness or disability. You will need to present copies of your financial statements (paychecks stubs, bills, banking statements, hospital bills – I case of illness or injury – unemployment compensation).

2. Take Immediate Action

Instead of waiting until your situation gets beyond your capability, make a contact to your mortgage company whenever you are perceiving problem financially.

3. Request for a loan Modification.

Mortgage modification is a type of loan restructure, in which lenders accept to lower the interest rate or extend the term of loan to reduce the mortgage monthly payment. The idea might be suggested by your lender, if not, ask for a loan modification.

4. Submit Your Proposal

Ask your lender to switch your interest-only or adjusted rate mortgage to one fixed rate, or a loan extension can be requested by you. In few cases, payments may be suspended temporarily for a certain period of time by the lender.

5. Sit-up your mortgage Lender

Lenders terms and policy are varied and few may not approve or accept your proposal. Then propose a meeting with your mortgage lender to iron things out, they will he happy to work with you on your home loan as mortgage lender are not satisfied on foreclosure.

Article Source: sooperarticles.com/real-estate-articles/mortgage-financing-articles/secrets-lower-your-payments-mortgage-without-refinancing-161858.html

About Author:

You may read more tips on how to lower your mortgage payments, visit MortgageRefinancing.tk Home refinancing can save you thousands but if it is done the wrong way, cost you thousands. For Recent News and Updates read more @ MortgageRefinancing.tkAuthor: John Weiver

Queen Elizabeth II to visit the United States

Thursday, November 16, 2006

Her Majesty Queen Elizabeth II of the United Kingdom and the Duke of Edinburgh are set to visit the United States in May 2007 to celebrate the 400th anniversary of the Jamestown Settlement.

This will be Her Majesty’s fourth State Visit to the United States.

Her Majesty and the Duke of Edinburgh welcomed President and Mrs. Bush on a State Visit to the United Kingdom at Buckingham Palace in November 2003 – during that visit, Her Majesty paid tribute to the ‘special relationship’ between the United Kingdom and the United States.

A statement released by the White House read:

“Laura and I welcome Her Majesty Queen Elizabeth II and His Royal Highness, Prince Philip, The Duke of Edinburgh, for a State Visit in May 2007 to celebrate the 400th Anniversary of the Jamestown Settlement.

“The United States and the United Kingdom enjoy an extraordinary friendship that is sustained by deep historical and cultural ties and a commitment to defend freedom around the world. We look forward to Her Majesty’s State Visit as an occasion to celebrate these enduring bonds.”

The Queen herself mentioned the upcoming visit in this week’s Speech from the Throne during the British State Opening of Parliament.

“The Duke of Edinburgh and I look forward to our State Visit to the United States of America in May 2007 to celebrate the 400th anniversary of the Jamestown Settlement.”

Virginia officials coordinating the ongoing Jamestown commemoration have scheduled an America’s Anniversary Weekend event on and near Jamestown May 11, 12, and 13.

Jamestown, the first British settlement of North America, was established in the name of His Majesty, King James I of England.

Retrieved from “https://en.wikinews.org/w/index.php?title=Queen_Elizabeth_II_to_visit_the_United_States&oldid=567088”

Former Japanese prime minister Hashimoto indicated his retirement

Friday, August 12, 2005

On the 11th August, the former Prime Minister of Japan Riyutaro Hashimoto, age 68, formally indicated he would not run for the Okayama 4th constituency of the House of Representatives, the Lower House of Japan, due to defectiveness of his physical condition, possibly nominally. Since the current prime minister Junichiro Koizumi had resolved that House, an election will be held on September 11.

The next day of that announcement, on the 12th, the Liberal Democratic Party (LDP) executive committee showed they had no intention to recognize him as a candidate to proportional representative constituency. There might be no possibility for him to run for the coming election as the LDP candidate and his political career would inevitably end.

On the July, 2004 it was reported that Hashimoto did not state the donation of 1 hundred million yen from a lobbist organisation in the annual political financial income and outgo report, which is legally mandatory to all minister and parliament speakers. Hashimoto had received that donation from the Japan Dental Political Federation, one of his main supporting organisations. His relation between medical and pharmacy lobbyists began at least in 1963 when he was appointed as a secretary of Minister of Health and Welfare. In the same year, he ran for a constituency for which his father had run since his death in that year. Later he was appointed to the Minister of Health and Welfare and played a roll as the representative of this ministry during his career.

Hashimoto had been a speaker of the House of Representatives since September 1963. He had not lost his seat until now. He was appointed to the Minister of Health and Welfare, and the Minister of Industrial Minister successively. He was the president of the LDP from 1995 until the party lost at the election of the House of Councillors in 1998. He was also the Prime Minister of Japan from 1996 till his resignation from LDP presidency. In 2001 he ran again for the presidency of the party, but was defeated by the present Prime Minister Koizumi Junichiro.

Retrieved from “https://en.wikinews.org/w/index.php?title=Former_Japanese_prime_minister_Hashimoto_indicated_his_retirement&oldid=435418”

Colleges offering admission to displaced New Orleans graduate students

See the discussion page for instructions on adding schools to this list.Tuesday, September 13, 2005

NAICU has created a list of colleges and universities accepting and/or offering assistance to displace faculty members. [1]Wednesday, September 7, 2005

This list is taken from Colleges offering admission to displaced New Orleans students, and is intended to make searching easier for faculty, graduate, and professional students.

In addition to the list below, the Association of American Law Schools has compiled a list of law schools offering assistance to displaced students. [2] As conditions vary by college, interested parties should contact the Office of Admissions at the school in question for specific requirements and up-to-date details.

The Association of American Medical Colleges is coordinating alternatives for medical students and residents displaced by Hurricane Katrina. [3]

ResCross.net is acting as a central interactive hub for establishing research support in times of emergency. With so many scientists affected by Hurricane Katrina, ResCross is currently focused on providing information to identify sources of emergency support as quickly as possible. [4]

With so many scientists affected by Hurricane Katrina, ResCross is currently focused on providing information to identify sources of emergency support as quickly as possible.

Physics undergraduates, grad students, faculty and high school teachers can be matched up with housing and jobs at universities, schools and industry. [5] From the American Association of Physics Teachers, the Society of Physics Students, the American Institute of Physics and the American Physical Society.

If you are seeking or providing assistance, please use this site to find information on research support, available lab space/supplies, resources, guidelines and most importantly to communicate with fellow researchers.

The following is a partial list, sorted by location.

Alabama |Alaska |Arizona |Arkansas |California |Colorado |Connecticut |Delaware |District of Columbia |Florida |Georgia |Hawaii |Idaho |Illinois |Indiana |Iowa |Kansas |Kentucky |Louisiana |Maine |Maryland |Massachusetts |Michigan |Minnesota |Mississippi |Missouri |Montana |Nebraska |Nevada |New Hampshire |New Jersey |New Mexico |New York |North Carolina |North Dakota |Ohio |Oklahoma |Oregon |Pennsylvania |Rhode Island |South Carolina |South Dakota |Tennessee |Texas |Utah |Vermont |Virginia |Washington |West Virginia |Wisconsin |Wyoming |Canada

Retrieved from “https://en.wikinews.org/w/index.php?title=Colleges_offering_admission_to_displaced_New_Orleans_graduate_students&oldid=4617834”

A Brief Look Into The Development Of Marijuana Delivery App

Every app has to be developed with the most care in designing and making it more efficient. When it comes to Marijuana delivery on-demand apps you need to take extra care. It involves some legal aspects and you will need to offer that the user wants in the marijuana delivery. You have decided to do this online business. But you have no idea about its insights? Here is a brief guide about what you gotta do to develop a MedicalMarijuana Delivery App.

As said earlier, the development of the app needs some legal expertise so as to ensure that you follow the rules perfectly.

While developing the app is on one side, on the other side you need to choose which platform you are going to launch your app on. Whether an iOS or Android or both. There may be changes in the features between them. So choose carefully.

The development approach:

The project will be clear only when the approach is clear. So the approach should be taken care of carefully.

  • Software development kit
  • Getting e-prescriptions after consulting the doctor
  • ECommerce
  • Verification of identity
  • Order deliveries
  • Integration of Payment gateways
  • Integration of map
  • Push Notifications/SMS

e-Prescription API:

Choosing an e-prescription software with prescribed features may let the doctor offer an electronic prescription.

The platform should offer features like creating a new prescription, medical history, and medical reconciliations.

Identity verification is the most important step to robust the regulation of the industry.

  • The first step involves the verification of digital identity, verification of group identity, and also documentation verification.
  • Access API
  • Have the use of EPCS physician identity verification.

Once the verifications are done, the eCommerce integration is a must for users to manage their shopping activities like the catalog, user login, cart, etc. along with multiple payment gateway options, ratings and reviews return policies.

Conclusion:

With all the basic overview, we could see that it takes a lot of effort for theMarijuana Delivery app development.But they can also be made easier by getting in touch with an expert team of developers like Appdupe. They offer you scripts that can be easily launched with just some tiny additional features to make it unique at an affordable price. Hurry !!

TESEV Report on Eastern Turkey for UNDP released

Friday, November 24, 2006

According to a report released by the Turkish Economic and Social Studies Foundation (TESEV) for United Nation’s Development Plan, the per capita GNP in Eastern Turkey, an area predominantly inhabited by Kurdish people, is as low as seven percent of that of the European Union on average. The report analyzed a region of 21 cities in Eastern Turkey*. One of the cities included in the report, ??rnak, was reported to be as poor as Botswana, Southern Africa.

Other points highlighted in the report included:

  • 60% of the population in the region was under the poverty line. If this situation persists, people may start to migrate to Northern Iraq.
  • If 1% of the national income is spent on Eastern Turkey’s infrastructure and social investment for 7 years, the region will be enabled to finance itself. If the economic and social conditions in the region are fixed, the fragile relationship between the Turkish government and the Kurdish people of the region may improve.
  • Access to health services is a primary human right. Without access to health services, one cannot expect that people of this region can live in confidence. Health institutions should employ nurses who speak Kurdish so the patients can communicate with the health services staff.
  • The use of the private sector is not reliable as a solution. The government should act to remedy the lack of infrastructure in the region.
Retrieved from “https://en.wikinews.org/w/index.php?title=TESEV_Report_on_Eastern_Turkey_for_UNDP_released&oldid=4358931”

Hall of Fame baseball player Kirby Puckett dies of stroke

Tuesday, March 7, 2006

Kirby Puckett, a former professional baseball player and Minnesota Twins legend, died Monday afternoon, March 6, in a Phoenix, Arizona, hospital, one day after suffering a stroke and undergoing emergency surgery for the resultant cerebral hemorrhage. He was 45 years old.

The Hall of Fame center fielder, whose .318 career batting average is surpassed only by Joe DiMaggio among right-handed hitters, was a ten-time All-Star in twelve seasons with the Minnesota Twins. “Puck” won six Gold Glove awards and five Silver Slugger awards for defensive and offensive excellence at his position, and led the Twins to World Series Championships in 1987 and 1991. He retired as the Twins’ all-time leader in hits, doubles, total bases, at-bats and runs, records that he still holds to this day. Unfortunately, his playing career was cut short in 1996, when he was diagnosed with glaucoma, which has left him blind in one eye. Even though his career was considerably shorter than those of most inductees, it was long enough for Baseball Hall of Fame eligibility. He was inducted in 2001, his first year of eligibility.

Puckett had gained weight in recent years, and was reportedly still suffering from a bitter divorce in 2002, and was still depressed about his career being cut short. His professional relationship with the Twins ended in 2002, and he went into seclusion thereafter. However, the Twins have constantly attempted to contact Puckett in hopes that he would return to help the team in some form. He also had his personal reputation sullied by an incident in 2003 where he was accused of groping a woman in a bathroom in a Minneapolis-area restaurant. He was cleared of all charges, but the emotional damage he incurred from the incident had increased his self-imposed seclusion from the baseball community.

Puckett suffered the stroke early Sunday morning at his home in Scottsdale, Arizona. He was initially transported by ambulance to Scottsdale Memorial Hospital, then was airlifted to Scottsdale Osborne Hospital for emergency surgery in an attempt to stop a cerebral hemorrhage. After that, he was transferred St. Joseph’s Hospital and Medical Center‘s Barrow Neurological Institute in Phoenix in hopes of further treatment. His condition declined, however. He received the last rites and passed away Monday afternoon.

Puckett is survived by his ex-wife Tonya, his children Catherine and Kirby Jr., and his fiancee, Jodi Olson. Funeral arrangements are pending.

Retrieved from “https://en.wikinews.org/w/index.php?title=Hall_of_Fame_baseball_player_Kirby_Puckett_dies_of_stroke&oldid=1084164”

How To Choose A Right Ship Model Kit?

The complexity of the ship kit is determined by the nature and subject of the ship kit. While some ship modelers may find it easy to model a complex ship kit, however, others may confront difficulties. The idea of beginner ship model kits is to develop the skills of an individual to take up further challenges. Before you pick up any ship kit, know which kind of ship appeals you most. You should be proud of taking the ship kit to the local pond that you have built. If you are not passionate about the model that you are building, you are less likely to complete it. With each ship kit you buy, you will get detailed construction plans, guidelines and instructions. The difficulty of ship kits can be categorized as-

  1. Beginner Ship Kits- Beginner ship kits are meant for those who are completely new to ship modeling. These are basic ship kits that do not require prior experience or skills in ship modeling. Taking the help of the construction plans, you can easily build these ship model kits.
  2. Intermediate Kits- The intermediate ship kits require prior experience and skills in ship modeling. These ship kits are suitable for those who have previous experience in ship modeling. You can also take the help of someone who is experienced in ship modeling. Before you start building a ship kit, confirm if you have got all the parts in the kit. Go through the construction plan thoroughly so that you do not end up gluing wrong parts together.
  3. Advanced Kits- The advanced ship kits are suitable for those who have extensive experience in the ship modeling. You should pick these kits if you have good experience in the ship modeling and want to try your hands on the advanced models.

Depending upon the skills acquired by you, you can choose ship kits from these levels. The goal of ship modeling is to indulge you in a hobby that gives you pleasure and satisfaction. If you end up choosing a ship model kit that does not appeal you or is not as per your skills and learning level, then you may not feel like completing it. Even if you complete it, you may not feel proud to show it to your friends or take it to the local pond.

You can find ship kits as per your knowledge and skills on the internet. There are numerous brands that deal with ship model kits and boats. Invest some time in research work and you will find a kit best suiting your requirements, skills and learning style.