Legal Law

RI real estate law – Sale contracts – Single family

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In Rhode Island, most purchase and sale agreements (purchase and sale agreements) for single-family homes are on a form prepared by the Rhode Island Association of Realtors. The Sales Contract is a very important legal document that typically establishes the sale price, time, date and place of closing of the residential property, contingencies based on financing, as well as many other provisions.

You can attempt to negotiate modifications to this agreement and you are not required to sign the standard form. Before signing the Purchase and Sale Agreement, the buyer should contact a Rhode Island attorney who specializes in real estate law, residential real estate closings, and title law.

This agreement was written with the intention of being fair to both buyers and sellers of residential real estate; however, the buyer should not sign this agreement without paying particular attention to all the provisions, including the following:

1. The agreement establishes a certain number of days within which the buyer must apply for his mortgage. Under the terms of the Rhode Island Standard Sale and Purchase Agreement, if the buyer does not apply for the mortgage, they will lose their deposit. Be sure to allow enough days for this request to be made.

2. The agreement establishes that if the buyer requests a mortgage greater than the amount established in the Purchase and Sale Agreement, the buyer will not be entitled to obtain a refund of his deposit if his mortgage application is denied. The buyer must be sure that the amount indicated for the proposed mortgage is, in fact, the highest amount that he intends to apply for.

3. The agreement states that the buyer must accept the property with any easements or recorded restrictions affecting the property. The buyer should read the Rhode Island Real Estate Sales Disclosure Form before signing the Purchase and Sale Agreement. Rhode Island law requires the seller of residential real estate in RI to notify the buyer of any restrictions or easements. The buyer should verify the disclosure form and if the seller indicates that there are any restrictions or easements, the buyer should read them before signing the Purchase and Sale Agreement. If the buyer does not understand the legal implications of the restriction or easement, then they should contact their real estate attorney.

4. The buyer’s right to a refund of their deposit in the event that they are not satisfied with the home inspections, such as physical / mechanical, pest infestation, and septic system, is dependent on the inspector finding a substantial / material condition. deficient that has not been disclosed to the buyer prior to the execution of the Purchase and Sale Agreement. This means that the buyer should carefully read the Real Estate Disclosure provided by the seller before signing the Purchase and Sale Agreement to ensure that the seller has not disclosed the existing substandard conditions of the property on this form. If substandard terms have been disclosed, the Purchase and Sale Agreement should be amended to indicate that the buyer can terminate the agreement based on these substandard terms.

Pets

Separation anxiety in dogs: stop paying so much attention to your pet

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Separation anxiety in dogs can confuse you as an owner. Every time you leave the house, your dog starts barking frantically and scratching at the door. Every time you pick up your keys and put on your coat, your dog will start to become uncontrollable. While you’re gone, your dog will chew on furniture, pee on your carpet, poop on your shoes, destroy your indoor plants, rip your curtains, dig holes in your backyard, the list goes on and on.

This is not only frustrating, but it can affect your life enormously. You may not be able to go on vacation or leave the house unsupervised except during work hours without worrying about your dog destroying the place or sitting alone. Unless you can find someone to take care of the dog, then your life literally revolves around your pet and that is unacceptable.

So what do you do about separation anxiety in your dog? The first step is to understand the two main manifestations of separation anxiety.

1) Anxiety: This behavior manifests itself through whining, howling, rapid breathing and snorting, as well as uncontrollable spinning. Another key trait of anxiety is chewing excessively, EVERYTHING. Walking along a fence line or across a hallway or near windows are other good examples of anxiety.

2) Insecurity: This type of separation anxiety in dogs usually manifests itself through urinating and defecating on the floor while you are away, although this behavior is not exclusively reserved for the insecure dog with separation anxiety (as in the case of a dominant dog). , which will continually “mark” its territory through urination) is the main trait. For example, if you are putting on your coat and preparing to leave and your dog automatically urinates on the ground, it is unsafe. Another sign of this is when your dog tilts his head back as you prepare to walk out the door so that he appears in a ‘U’ shape.

Now that you understand these two main factors of separation anxiety in dogs, the next step is to fix it, but how do you do it?

First of all, dogs are not initially prone to separation anxiety. Instead, they become anxious and insecure due to the way you, as the owner, treat your dog. The worst mistake you can make as an owner is to consider your dog as your best friend, your baby or your equal companion. No matter what breed of dog you have, even stray dogs, the fact is that dogs are man’s best friend because they perform a service for humans and humans reward dogs with food, shelter, and survival.

Due to this simple fact, dogs have developed an amazing ability to observe us humans. They know how we feel because of our tone of voice and our body language and the energy we project. By simply observing us, they learn to control us. To get what they want, which is food, attention, and exercise, they will manipulate us. They are very good at it. The problem is that you, as the owner, give in too easily to your dog because of your feelings, but when it comes to dogs, feelings are irrelevant – there is only leader and follower.

You can’t attribute human feelings to dogs, dogs don’t feel anything. Dogs want to be told what to do and how to do it. Your dog is the follower. You are the leader. When you start caring for the dog, the dog takes on an unwanted role: that of leader.

Many people, when they have a puppy or even an adult dog, care more about how cute the dog is. Most people, when they have a dog, want some kind of companion, something to fill a void. However, dogs only see humans as weak when they think “you’re so cute” or “I feel sorry for you.”

What does this have to do with separation anxiety in dogs? Everything. Here are some scenarios that can cause separation anxiety in dogs:

– You let your dog sleep with you at night

– When you get home, you immediately pet your dog, greet him, feed him and hug him

– Never correct your dog because you think it is “bad”, because you think you are going to hurt your dog physically or hurt your dog’s feelings or because your dog is so “cute”. Also, even if you try to control your dog, you do so inconsistently and weakly.

– You do not exercise your dog for at least 45 minutes a day

These simple actions on your behalf, as the owner, can cause your dog extreme separation anxiety. The only way to fix it is by being the leader. Never let your dog sleep with you at night, instead buy him a dog bed or cage and let him sleep in the hallway.

When you come home from work or being out for the day and your dog approaches you excited, don’t pet your dog, pick him up, feed him, and snuggle up to him. Instead, have your dog sit up and calm down. Ignore your dog completely until he has calmly left. Then, and only then, are you allowed to give affection. This makes your dog less attached to you and more dependent on himself.

Whenever your dog exhibits what you consider to be bad behavior, correct it EVERY TIME, not just sometimes and not just when angry. You must remain calm whenever you correct your dog and never do it when he is angry or tired.

Above all, exercise your dog. Exercise is the most important part of decreasing separation anxiety in your dog, especially when chewing, urinating, defecating, and barking. Dogs need to walk like fish need to swim and birds need to fly. The problem with many dog ​​owners is that they just don’t feel like exercising their dog properly. And unlike people, dogs cannot turn to cigarettes, drugs, and alcohol to satisfy their cravings, so they begin to chew, bark, howl, and develop separation anxiety to draw out their pent-up energy.

No matter what type of dog you have, a brisk 45 minute walk every day, without missing a day, will help cure your dog of separation anxiety. As Caesar Milan always emphasizes “The Dog Whisperer”, “Exercise, discipline and affection – in THAT order”. You have to exercise your dog, and then you have to make your dog do something to deserve your affection, which can be food, petting, petting, or anything else. If your dog is tired and disciplined and does not have excess accumulated energy, then he will not have separation anxiety.

Instead of wondering if your dog is suffering from separation anxiety and what to do about it, start observing yourself. Chances are, you are paying too much attention to your dog, not giving him enough exercise, and rewarding your dog for bad behavior without any discipline.

Real Estate

Investing in real estate in rising and falling markets

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Some people who doubt that there is a right time to start investing in real estate worry that there are too many people buying houses to find a deal. Competition is everywhere. If you can’t understand that competition is normal in business, then real estate investing is not for you. Just take a look at the market for companies like Coca-Cola and Pepsi, Nike and Reebok, McDonalds and Burger King, and a million other services and products on the market. So if you see a lot of investors competing against you, know that it is a rewarding business because you are not the only one who sees the profit potential. Plus, there are more than enough deals to make everyone rich, in due time. At any given time there are hundreds of properties for sale in their own local market niches, enough for every investor looking for them.

Some investors know that events like the 9/11 tragedy, the large number of job layoffs, and the stock market crash will kill the economy, and anything they buy will lose value. But again, this doesn’t have to be the time to fold down the tent and quit smoking before you start. To be successful in investing, learn how to make money in the “rising” and “falling” markets. Have strategies to use in both “rising” and “falling” markets to survive when the economy is bad or thrive when the economy is booming. And if everyone else is forecasting “doom and gloom”, just clear out the competition, as you have more market share to profit from, as this is a good thing!

Ask yourself: “When do I want to make money?” And the answer is usually right now!

So, get out there and get your investment business going, right now! And do not base your actions on what others say because the majority of the population is not rich, only those few who dare to take the right risks and take the necessary steps to be successful.

Stay in ‘the game’ and stay ‘the course’ (persist)

One of the main disappointments of the conventional ‘real estate rental’ approach is that there is simply no money NOW, only after a long period of ownership. There is not enough difference between the income earned from the rent and the expenses of the mortgage payments and repairs for the investor to make money today. You barely get by in the first few years of owning your property. You must have other income to maintain your lifestyle. You can’t just count on the rentals to back you up.

Most likely, at first you are supporting your properties with your other income if you bought in the traditional way. That is not very attractive. Many investors don’t have the stomach to endure the harsh financial stresses of the rental business. What’s more, people just don’t have the desire to hold out for it to work, in due time. Therefore, if you persist, you will outperform the competition because they will no longer be in business and you will have no “competition.” This business is a long-term commitment and more than 80% of real estate investors, who have been in business for so long, become millionaires. What I’m telling you is this: stay the course and you will beat most of your competitors because you will be able to overcome the ups and downs of the market in the real estate game in due time.

Opportunity is everywhere

This ‘NO’ is a common statement that I hear from new investors. It is true that it may work differently in some markets than others, but there are investors who make money in all cities (large or small, metropolitan areas or rural areas), every day of the week. You have to know your market: rents, trends, local customs, lenders, title companies, etc.

Then learn the techniques and adapt them to your market. One thing is for sure, everyone needs a roof to live under, whether renting or owning. People need to live somewhere. So, study your market carefully, because there are tons of opportunities in every market. You just have to know your market and be able to serve it accordingly. If you don’t believe this, just read the ‘Success Stories’ of all my students who achieved financial independence and made big profits using my field-tested and perfected real estate investment system.

Typically, the main argument of real estate “deniers” is to associate real estate with bathrooms, bad tenants, property damage, tenant evictions, and so on. – all the bad tasting things that can happen to an investor preparing to jump into the real estate game.

For someone who thinks the only thing to do with real estate is getting a loan and buying a run-down duplex, in a bad part of town, getting into the real estate game could certainly turn into a big nightmare very quickly. However, a person who is open to the possibilities and who is willing to learn various techniques and strategies, will discover very quickly that this methodology is not the most profitable way to carry out real estate transactions.

A true wealth builder

Well, if you cringe at the very thought of spending your nights and weekends uncapping shabby toilets, painting scarred walls, and appeasing angry / upset tenants, you’re in good company. I have no interest in dealing with time-consuming tenant issues or their negative attitudes. When you follow a systematic approach to investing, you won’t have to deal with negative results! There are other creative ways to manage properties that do not involve annoyances or headaches of any kind, such programs exist in our “Automated Management System” that eliminate those property nightmares.

There are much more profitable strategies if you are open to “non-traditional” ways of investing in real estate. For example, in our System approach, there are “Rental Credits” that are used to maximize your time, while minimizing your overall risks, while creating positive cash flow instead of living with negative cash flow and tenant issues. . There is a better way !! Your properties will be beautifully managed and maintained. Your Tenant-Buyers will be happy, you will pocket a lot of positive cash flow and spend your free time locating additional real estate investments, doing the things you love and have a passion to do, which is the goal of Becoming a Professional Real Estate Investor! first !!

If you are really serious about real estate investing and do extensive research on the real estate business, constantly learning and improving your level of knowledge, you will find that your risks are minimal compared to other business models.

If you talk to any knowledgeable real estate investor and compare the cost of starting a real estate investment business with another type of business, you will see that a real estate business has far less risk. I like to be honest with you that you will need at least a few marketing dollars to start your real estate business. You also need to have a long-term vision for this company and at least give it at least a good 6-12 months to get it up and running. Otherwise your money (marketing budget) and time will be a waste.

I know, but most people don’t know that it takes at least some money initially to make money as a real estate investor. I don’t want to scare anyone, but let’s compare a real estate investment business to a restaurant / takeout business. I know this type of business very well because relatives of mine have restaurants / take-out so even though I never owned a restaurant, my relatives have taught me the inner workings of that business and what it takes to maintain it and be profitable.

First, a regular restaurant needs $ 30,000 in gross sales just to cover expenses each month. And this does not include the 15 hour days and six days a week, and the initial investment of $ 120K of down payment with a great credit for a bank to even loan you the money necessary to open it. You must also have years of knowledge and experience before investing your life savings to start a restaurant business. Then it usually takes 1-3 years for the profits to actually come in, therefore this is only if you can survive to stay in business that long. My father-in-law currently has a takeout and has over seventeen years of experience and tells me how fed up he is with the restaurant business. That is why you are also starting out as a real estate investor and asked me to invest some of your money in our rehab properties. He sees the enormous rewards and minimal risk that real estate entails compared to his restaurant business or other businesses he’s been in. And you are seriously considering selling your business to invest in real estate full time.

When you compare the risks of real estate investing versus investing in other avenues and / or business ventures, you may come to your own conclusion: real estate investing is the ‘best game’ in town, when it comes to generating great wealth, while achieving your American Dream of financial independence.

Real estate investing has cycles like any other business

The stock market has its cycles. We experienced it after the 9/11 tragedy. Just less than two years prior, we saw a spike in the stock market with high-tech stocks skyrocketing and enriching the role of stock market investors. The stock market has its ‘ups and downs’ and its ‘downs’.

Modern real estate thrives by doing things smarter, wiser, strategically, not harder, longer, with profitable results. At the end of the day, the key to success is to focus on being a “great entrepreneur.” I asked an experienced investor (he owned about a quarter of Blacksburg, Virginia) what his specialty was in real estate investing and his answer was not that he was good at leasing, wholesaling, short selling, REO, rehab, promissory notes, residential, land development, or commercial real estate. But he said he was an “expert in making money.” We both laughed at that, but I’ll never forget that conversation. You need to know the market and the technical factors involved in a deal, but your main duty when investing is always to make money. So, at the end of the day, your job is to make money in both “bull” and “bear” markets. And if you focus on being a ‘great entrepreneur’, you can make money with many techniques, strategies and skill sets to be successful in any market.

Shopping Product Reviews

Formula for personal change

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Formula for change:

Step one:

Assessment of the situation – What is true now and what are the objectives or desired results?

Here is the beginning. What do you want to be different? You need to discover and be very specific about what the current situation is and how you want it to be different. To do this, use your Coach’s assessment and gather the opinions of all interested and involved parties.

Second step:

Learning – techniques, tools, etc.

Find out what you need to learn and how to learn it. To do this you need to talk to people. A mentor relationship can be the key to new ideas. Coaching can give you the push. Colleagues may have advice, opinions, or ideas that you need. Classes, books, or articles can help.

Step three:

Practice – act and pay attention

This is a key. Steps need to be taken for change to occur. It does not happen by itself. Use familiar surroundings to practice. Or look for new settings to test your change.

Step four:

Feedback – score results against goals

Always use your own self-test – check in with yourself immediately after practice to see if you got the desired results. Independent observers can also be helpful. Pick someone you trust and whose opinion you value and ask them to observe you. Then ask for their comments. It is also important to use your coach’s observations and comments.

Now, based on your results and feedback, go back to more Learning and / or more Practice. Don’t be hard on yourself and keep this cycle until you achieve your goal.

Sports

Howard Carter: archaeologist or grave robber

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In 1922 a tomb of a pharaoh was discovered in the cemetery of the pharaohs of ancient Egypt. In the Valley of the Kings and for the first time, a tomb that was still sealed. The world waited in awe to see what was inside. The first person to look inside was the person who had been searching for this grave for years. Then the wait was over and British archaeologist Howard Carter peered into the dusty grave. What he saw was something extraordinary. He saw toys, a child’s toys. Then he knew that he had discovered the tomb of King Tut.

Carter and King Tut

To this day, the tomb of the child pharaoh, King Tut, remains the richest royal collection ever found in Egypt. After years of futile searching, the tomb with its rich collection of gold artifacts caused a sensation and even today, it still receives the most attention of all the tombs in the Valley of the Kings.

Damaged mummy

One would assume that Carter would take care of the child once he discovered that the child was still in the grave. Sadly, this was not the case. Carter did what he wanted to do and it was one thing to see what treasure there was with the boy. Tut’s 3,000-year-old body was damaged. The body that lay safely in the sarcophagus had a golden mask on it and that was worth more than the body itself to Howard Carter and his team.

Eventually the mummy lost the tug of war and ended up in 18 pieces. The neck was completely broken. Carter also removed all charms and jewelry and recorded their position on the king’s body.

The royal mummy reexamined

In 1968, a team of scientists opened the mummy that Carter said he repackaged in 1926 and discovered that he had lied. The royal child was covered by a simple sheet in a litter tray almost exactly like the photos you see taken in 1926.

The arms, both were cut from the chest to shoulder height. Her forearms and hands had also been amputated so that the bracelets could be removed. The legs were removed or amputated at the hips, knees and even at the ankles to establish the age of the young king.

Furthermore, the trunk of the body was completely separated from the pelvis to facilitate its removal from the mummy’s coffin. The boy had to give up his mask but with this also his head since it was cut off from the cervical vertebrae. The tissue on the back of his head was also destroyed in an attempt to obtain the mask.

Concealment of harm

Since Carter knew what had been done to the boy King, they used a litter tray to hold the mummy while they were photographed. This camouflaged the damage. Finally, new images from 1968 showed that in 1926 the boy still had a right ear and penis. This disappeared in 1968.

conclusion

When Howard Carter discovered the tomb of Pharaoh King Tut in the Valley of the Kings, the world praised his efforts. Then in 1068, when the boy was opened for investigation, the team was surprised to see the state of the mummy. Contrary to reports by Carter and his team, the mummy was not rewrapped and its body had been badly damaged. Her legs and arms were amputated to remove her bracelets and her head was cut off to remove her golden mask. In retrospect, Carter seemed to have treated the discovery in the same way that Grave Robbers did with the other graves. Sadly, the boy did not receive adequate care, one suitable for a king.

Tours Travel

Top 5 US Nursing Schools

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A career in Medicine is a way to become a valuable part of your local community and of society as a whole. There are many options for employment and personal satisfaction in the medical field. There are jobs like nursing, radiology, phlebotomy, etc. Through which people can contribute to the field of health care and medicine without investing many years in medical school to become a doctor. Nursing is a lucrative and highly fulfilling medical occupation. There is currently a demand to attend the best nursing colleges to get the best nursing education available.

Some people think that these types of jobs do not require any education and that you can start working in this career with little on-the-job training. However, when we talk about working with other people, one must know how the human body works and the procedures to follow. Nursing programs provide the experience and skill set necessary to enter this specialized field and be ready to take the job competently. These programs provide education in biology, anatomy, physiology, and an understanding of the medical devices that you will use on a daily basis. Below are some of the best colleges in the United States for nursing:

Johns Hopkins University:

Located in Baltimore, MD, Johns Hopkins is known for its School of Nursing and the Bloomberg School of Public Health, both renowned for providing the best in health education. Ranked # 1 in the nation, Hopkins is considered one of the preeminent schools for nursing education. It is a top recipient of NIH research funding, receiving approximately $ 7 million in funding each year. Baltimore is a vibrant and artsy city with plenty to do and sites like the National Aquarium and the Baltimore Boardwalk.

University of Pennsylvania:

The School of Nursing, located in Philadelphia, Pennsylvania, and is best known for its graduate nursing and pediatric nursing programs. They were ranked number one in the country for master’s education in fields such as medical / surgical nursing, anesthesia nursing, and midwifery nursing. They offer numerous programs from bachelor’s to doctorate in nursing. Located in the historic city of Philadelphia, this school is surrounded by restaurants, museums, clubs, and theaters. As an Ivy League school, Penn School of Nursing holds its place firmly on this list.

University of Washington

Considered a public ivy institution, the University of Washington School of Nursing in Seattle is known for providing excellent education in both general nursing and obstetric nursing. The university’s research budget is one of the highest in the United States. Hundreds of students flock here each year to enroll in its nursing programs. In addition to nursing there are public health programs, medical assistant, pharmacy, occupational therapy, etc. Graduates of this school are highly sought after and earn a lot of money. Seattle is a city that promotes the great outdoors and exploration of the natural surroundings of Washington State. Hiking, biking, fishing, and kayaking are popular pastimes in this beautiful area.

University of California – San Francisco

The best graduate school of nursing in the University of California system is located in San Francisco. Focusing solely on health and biomedical sciences, the School of Nursing is located in Parnassus, along with schools of dentistry, medicine, pharmacy, and biomedical sciences. The university is best known for its innovative medical research, public service, and patient care. Nursing specialties include nurse practitioner, psychiatric / mental health, and gerontology / geriatrics. San Francisco is a diverse and dynamic city with the famous streetcar system and amazing places to visit like Fishermans Wharf, Chinatown, Union Square, and Nob Hill, just to name a few. Explore Golden Gate Park and see the famous bridge, in person, as you explore this acclaimed school.

University of North Carolina:

The University of North Carolina School of Nursing and School of Public Health are recognized for the exceptional education they provide in the Chapel Hill area of ​​North Carolina. Consistently ranked in the top 10, they offer bachelor’s to doctoral degrees. Ranked # 4 overall in 2012, they specialize in Clinical Psychiatric / Mental Health Nurse Specialists, Nursing Services Administration, Pediatric Nurse, and Family Nurse. Located in picturesque Chapel Hill, local sites include planetarium, botanical gardens, theaters and art museums, and, of course, golf courses. Southern cuisine abounds and the Historic District offers tours of old and historic homes.

A nursing education from a high-level university or college can accelerate your career and make it easier to land a high-paying position in the city of your choice. Just try to familiarize yourself with the university before saying yes. Any of the above universities provide a top-notch education and will open the door to a prestigious and fulfilling career in nursing.