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Accurate Tarot Empath Advisor – Real Answers and Results – Get the truth now!

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Hi, my name is TrueReadings and I specialize in accurate tarot clairvoyance. I am well known on many high platform psychic sites and decided to expand my business to help more people in need. I have been reading all my life now entering 30 years of professional Tarot experience. I don’t help get in the way and I don’t want to waste others’ time or play around with the real and vital personal issues of the life of the heart.

My letters and my clairvoyance have shown me and my clients many bad relationships, false friends, some of them have been able to prevent the thieves from carrying out their plans and have always led us to victory at all times. I help you navigate through your difficulties, due to the warnings I have received in the past.

I help keep my clients on their toes and/or help them stay away and stop all association with those types of people altogether. I have been able to help not only myself but also my clients to stay very safe and very well informed about their environment and the people they deal with.

My clients follow my readings and represent who and what they mean in their lives. The cards never lie. They need to be understood and thought through carefully by the people and what they are going through and who they are dealing with in order to be properly guided, one must listen very carefully.

The answers always reveal themselves, my tarot advice has helped me and many others who have struggled with their guidance and for those who still struggle with the knowledge of their lives and need to know which paths to take and what to look out for.

I am one among many, not all, but many who are (Real readers helping people). As my name says, I am TrueReadings. I give the truth, good or bad. I go into detail about future events surrounding you, how to fix things before something like this happens, or to show if the issue is really benign and viable between the two of us.

I CAN REALLY HELP YOU GUIDE YOU INTO YOUR LIFE AND HELP YOU SEE AND RECOGNIZE NOT JUST WHAT WILL HAPPEN IN YOUR LIFE, BUT THE ABSOLUTE TRUTH ABOUT WHAT IS REALLY HAPPENING IN YOUR LIFE.

THE PEOPLE WHO SURROUND IT AND SOLVE THE LOOSE ENDES, EVEN THOUGH YOU DID NOT KNOW ANYTHING ABOUT THEM OR HOW YOU WERE/ARE YOU GOING TO GET OUT OF A CERTAIN SITUATION IN WHICH YOU MAY OR MAY NOT BE.

Specializing in love and romance, career and finances, spirituality, general reading, past, present and future. Very detailed and insightful love and life advice. Highly accurate, no disappointment, real life tarot readings, get the truth today.

Real Estate

What you need to know about selling your condo in today’s market

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In today’s California condominium market, the seller must not only prepare the unit for sale, but must also be prepared with some information about the HOA, prior to listing. Do you as a seller know how many owners live in the community? Are you familiar with your association’s Conditions, Covenants and Restrictions (CC&R)? What about upcoming assessments for planned maintenance work in common areas?

You’ve worked hard to repaint your unit, clean your carpets, and possibly upgrade your kitchen and bathroom countertops, and you’re ready for buyers to take a look. Then he maybe he gets an offer from a motivated and excited buyer and opens escrow and plans to close in 30 days. But wait, have you considered other issues that could affect your sale?

For example, did you know that having an owner-occupancy rate of less than 50% means you may have to get an offer from a cash buyer? Unfortunately, many condo owners don’t realize that with a greater number of rental units, there is a lesser likelihood of mortgage financing by the buyer. Many lending sources have higher criteria than required by FNMA lending rules, and may require 70-75% owner occupancy before accepting your new buyer’s loan. At a minimum, 50% owner occupancy is required for FHA loans (by the way, this applies only if your building is FHA approved). In a 32-unit building, for example, 16 tenants will be too many. Lest you think otherwise, this situation is not unheard of and actually exists in a very exclusive area where homeowners do not want to leave their units after they have moved into a single family home. It has presented many difficulties for those owners who wanted to sell. If you wait until you are in escrow for the buyer/buyer’s lender to find out, you will have wasted a lot of time and the transaction may end up being cancelled. Wouldn’t it be wise to bring this issue up to the Board of Directors so that the general membership can review the rental management policy?

Property owners should not live in oblivion as they allow the ratio of homeowners in their association to decline year after year. This could mean the difference between selling a unit while you still have equity or as a successful short sale, or forcing a foreclosure because the homeowner has no other way out of their situation because no lender would provide financing and they couldn’t be a cash buyer. . found. A foreclosed unit in an association means a decrease in collected owner debt and a possible increase for remaining members, or at least a lack of contribution to normal operating costs. Additionally, the market value of all units in that association may be affected if financing now becomes impossible, or if cash buyers submit “low” offers to a desperate seller. Typically, a lender’s HOA Certification submitted to the Board or property manager may ask how many owners, how many tenants, and how many vacant units. You can avoid wasting time by contacting your Board or property manager beforehand for this information.

Let’s say the owner occupancy rate is still OK, but there are delinquent owners in the building, possibly due to job loss, or units already in foreclosure. Did you know that if an association has more than 15% of its homeowners 30 days (or more) behind on association payments, lenders probably won’t make a loan until that number drops to less than 15%? In a smaller 30 unit building, that would take just 5 units. What if those particular owners are foreclosures held by a bank that won’t pay until the unit is sold, or owners who have abandoned their units and are unavailable? Has your Board of Directors suggested a remedy to help current sellers in good standing? This is information that the seller must analyze before listing his property. Why wait until you’re in escrow and then find out the lender won’t go through with this problem? Again, your Board of Directors (possibly the Treasurer) or your property manager’s representative should be able to get you this information quickly.

These are two of the biggest issues a vendor can face, but others may include whether or not your association has a reserves study: how much money is set aside in your annual budget for reserves? Ideally it would be around 10%. Does your association have updated CC&Rs within the last 5 years, or are you still operating with your original documents which are probably way out of date with current laws? What is the pet policy in your building? Many buyers have pets and will need to know in advance what to expect, ie two dogs may not be allowed, but one dog under 35 pounds is allowed. Are you aware of any litigation within the association? This is a required disclosure to sellers in California where lenders have a vested interest in the risk of lending there, depending on the particular issue.

In a community of owners, the concept of “the greater good” is very close to the surface. Members of an HOA are bound by a particular legal framework found in the California Civil Code that does not exist in a non-association neighborhood. Condo living was and is really for owners who plan to live there, and it may not work well for long-term absentee owners, because now more than ever, the transfer of these units is largely controlled for the first time. for mortgage loans. criteria.

For more information on real estate, please visit my websites. I’ll be happy to answer any questions regarding this article or condo sales in general.

http://www.longbeachrealestate.blogspot.com

Shopping Product Reviews

spring cleaning after divorce

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It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better to hear the birds chirping, to smell the fresh air, and to clean like a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all emotional feelings like sadness, anxiety, and doubt about what you’re supposed to do next, and consider some of the following tips for your financial spring cleaning!

1. Get your financial house in order. Update your will. Verify that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and eliminate unproductive investments (contact your CDFA or financial advisor for help). Get a file box or use a file drawer and label your files. By doing this, it will be easier to find important financial documents.

2. If you’re not doing what you love or don’t love what you do, then get ready to make a change! Update or write your resume. Take a few courses and explore new opportunities in your area or an area you’d like to be in. Expect more from yourself. You will surely be amazed at what you are capable of achieving.

3. Check your credit report! Not only identity theft is a concern today, but also human error. I recently found out there was a major error on my credit report and it took me a long time to correct it. It’s also a good place to see if you or your spouse have accounts you weren’t aware of. If you haven’t already, be sure to establish credit in your name. Open a credit card, or the next time you buy a car, register it in your name only.

4. This is also a good time to review your benefits at work. If you are not involved in a retirement plan and one is offered to you, sign up! If you are already active in a plan, check it out!! It can seem overwhelming and out of your comfort zone, so consult a financial advisor. Most advisers will be happy to review your statements and offer you some advice.

5. I’m sure you just did your taxes and are saying, “Next year I’ll be more organized!” That’s what I said! So go buy a file just for tax receipts! Ask your accountant if they can provide you with some areas that can save you money on next year’s tax return.

6. Divorce is a big change and a new beginning. You will want to renew your wardrobe, and feel pretty!! I’m a big supporter of dressing how you want to feel! This can be expensive, so make a plan. First, clean out your current wardrobe. There are consignment stores, example: Plato’s Closet, where you can sell your clothes and use that money to buy new clothes. If you already have a budget, donate your clothes to women’s shelters. You will feel great helping other women and they will really appreciate it! It’s a win-win!!

7. Divorce is exhausting, I know. Emotionally and financially, you feel drained. You will need time to rebuild yourself and your finances; Start by setting long-term and short-term goals (write them down on a piece of paper). Prepare your new budget, then meet with a financial advisor. You work hard for your money, and your advisor can help make sure your money works hard for you.

Tours Travel

Everything you ever wanted to know about mineral makeup

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What about mineral makeup?

Ok, unless you’ve been living on another planet, you’d be fully aware that the new makeup mantra is mineral. That would be makeup made from crushed rocks and it’s totally cool!

Now you could be forgiven for thinking that the makeup experts conjuring up creations to make us all beautiful have stumbled upon an incredible new discovery in the form of mineral makeup. Given the hype and proliferation of brands now promoting the mineral craze, it’s easy to understand why you might think this. But, mineral makeup is not new. It has been around for 30 years. But suddenly, thanks to our preference for all things natural, it has taken off in a big way.

So what’s the deal?

Mineral makeup is made from finely ground and ground crushed rocks. A true brand of mineral makeup will not have any synthetic preservatives, fragrances, or dyes. The real deal breaker is not talc or nylon. These are ingredients used in traditional makeup as fillers. They are cheap ingredients that are used to fill the product, but they are also known to clog pores without any benefit to the skin.

In typical jump on the beauty bandwagon fashion, there are a number of brands claiming to offer mineral makeup, but a quick scan of the ingredients quickly reveals the presence of talc and once you see that little mention, you can bet this one! as ore as Posh Spice hasn’t had a boob job!

The true wonders of mineral makeup use all natural pigments, such as titanium dioxide or zinc oxide, both of which are also physical sunscreens. This means that it is literally good for your skin. Fine particles won’t clog pores and work to heal and soothe skin.

Mineral makeup is great!

First, mineral base. It takes a little getting used to as it’s a powder. You use a soft, fine brush to sweep the powder and then onto your face. Many mineral brands recommend a Kabuki brush, which uses fine, natural bristles and is super soft and allows for even coverage.

VERY IMPORTANT TIP: Make sure you wash your brush with a little shampoo regularly, at least once a week. There is absolutely no skin care benefit to a brush that is loaded with bacteria and dead skin cells after multiple uses.

A natural question about this natural coverage is how it compares to traditional liquid foundations. Really good. It definitely offers full coverage but with a more natural and less groomed look.

The best thing about mineral foundation is that it is oil-free and won’t clog pores, which is great for teen skin plagued by pimples or acne. The only thing most of us do when we have pimples is try to cover it up with makeup. That usually means applying makeup that’s loaded with ingredients that only make the problem worse, not better. Not so with mineral makeup – it allows your skin to breathe and minerals are actually good for your skin.

On top of that, you get a non-mask-like effect + the natural vitamins and antioxidants in the minerals will add an anti-aging benefit and protection against free radical damage. And if all this weren’t enough, some of the minerals are natural sunscreens so you get protection from harmful rays.

Now mineral makeup is more than just a foundation. Mineral eyeshadows use pure crushed minerals instead of artificial colors for incredibly earthy, shimmering shades. Fine mineral particles mean superfine formulations with smudge- and wrinkle-proof benefits.

TIP: Use mineral eye shadows wet or dry. Mix some water with your shadow and you can use the shadow as a brow definer or eyeliner. Mix some sheer gloss with a mineral shadow to create a nourishing, radiant lipstick in the color of your creation!

Mineral makeup brands will use the crushed minerals as a base for colors in everything from pencils, lipsticks, and glosses. They are blended with natural ingredients like natural butters, oils, and flowers to give you makeup options without harsh chemicals, preservatives, artificial colors, or fragrances.

So what’s not to love about mineral makeup?