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Remodeling your kitchen is often a huge task that is expensive, time-consuming, and exhausting. Having the materials you need on site at the start of a project will save you time and money, while buying the right products will save you money down the road. With proper planning and shopping, you can. You simply need the right knowledge to tackle the job with confidence.

To learn how to shop for what you need for your kitchen remodel, read on for 5 tips on the right materials to order and how to get them quickly and cheaply.

1. Always ask about the builder’s discount.

Don’t be afraid to ask a supplier for a builder’s discount. If you can’t afford it, look elsewhere or ask your contractor to do the shopping for you. Builders and contractors can save 20-60% on the cost of their materials.

2. Go directly to the provider.

This mantra is especially true for mosaics. Remember, an inexpensive tile will run you around $2 per square foot, $8-$20 for more upscale materials like ceramic and granite and up to $50 or more for high-quality or hand-painted tile. Going directly to the supplier or a tile warehouse means you can save a lot of money on overstocking and returned or canceled orders, saving yourself anywhere from $5 to $30 per square foot.

Buying directly from the supplier or from a retail store also means that you can usually take the product home right there. You don’t have to wait long for your pending orders to finally arrive.

3. Opt for energy efficient appliances.

This is a tip that will save you money in the long run. Your price may be higher now, but purchasing energy efficient appliances will have a dramatic positive impact on your future water and electric bills.

4. Find a multi-flow faucet.

Many faucets and faucets on the market today are available in a dual or triple flow format, which means they come equipped with interchangeable water filters. By using one of these, you can eliminate the need for bottled water or cumbersome purification systems.

5. Know your countertops.

If marble or granite countertops are out of your financial reach, try products like Corian or Formica, which are known to be tough and scratch-resistant. Luxore is a new product that is non-porous and heat resistant, which means you can put your hot pots right on the counter. Finally, Swanstone is another new alternative stone product that provides a smooth, moisture resistant surface that is easy to install.

Auto

Transmission – Automatic to Manual Conversion

When I bought my EG4 Civic hatchback in 1998 I loved everything about it, the interior of the body and the engine were in excellent condition. However, there was one thing I would not have chosen: automatic transmission. The original engine was a JDM D15B SOHC VTEC, rated at 130bhp, especially for a 1500cc!

So I started my research on the net to find out my options regarding converting the car to a manual transmission. In my search, I discovered Eric’s B16A site and the hybrid site, among others. So I started thinking why bother changing the transmission on the 1500, you could do that too and put a DOHC 1600cc VTEC and gain 40hp in the process. I considered a B18C but those engines are rare and expensive in Trinidad. In any case, the second generation JDM B16A makes the same horsepower, with slightly less torque. From what he had learned on the internet, he knew that the engine would be a good fit. Also, since my car originally came with a VTEC engine, I knew the wiring wouldn’t be too difficult.

I read everything I could find on trading and tried to plan the trade to the best of my ability. Let me point out that there is no substitute for good information, so if you are planning any kind of hybrid, read as much as you can BEFORE you start; websites, FAQs, articles, magazines, you name it. I chose to have a local shop with considerable Honda experience do the work and was able to locate the engine from a local importer.

MY MISTAKE

I knew that the best thing would be to buy the engine and accessories as a package, and that is what I did. But I zeroed in on the big items, engine, Y21 LSD trany, ECU, complete engine harness, axles, and in doing so I didn’t even realize the engine was missing the mounts! (There’s no AC unit either!) Now, even though we have pretty fast traffic in JDM parts back home, some things are almost impossible to get, like mounts!

The solution? Modify stock D15B brackets to fit. That mistake caused a project that would have taken a little less than two weeks to take five weeks. You can imagine how my wife loved me for this!

START UP

The assemblies took a long time to complete and also, as expected, my car was not the only one in the shop! Anyway, it turns out that the rear (middle) engine mount could be used on the B16A. I was able to get a front drive mount, leaving three mounts to custom fit. By the way, the front lower motor mount/AC mount on the B-series motor is totally different than the D-series mounts, so I fabricated an adapter flange to accept my old AC unit. (I had no intention of buying an air conditioner in any way.)

After adjusting the mounts and getting the motor in place, the axle hardware was mounted in a jiffy and the necessary fluids and hoses were attached. All electrical system plugged in, including new computer. The only difference was that the D-series engine had the MAP sensor fixed to the throttle body, so a remote unit was added for the new engine. The engine started, no problem. By the way, you guys should hear how the beast sounds with just the tri-y headers! Since the headers were longer than stock, I had to adjust the length of the exhaust so it could bolt onto the headers.

DETAILS

Electric

Now the automatic specific facts. Remove the automatic gear stick and throw it away! There is a plastic slider underneath that is connected to the car’s harness. This slider needs to be set to the PARK position and locked there somehow. The guys at the store put a big bead of silicone sealant on mine. This is necessary if you plan to take the key out of the ignition after driving! Also on the plastic slider, there are two wires soldered near the center of the device (yellow, black/green). When these wires are shorted, they activate the reverse lights and chime. (At least my car has a reverse chime.) My advice is to find the reverse sensor on the transmission, trace them to the jack joint on the right side of the engine bay, then run a couple of wires from the reverse sensor to the plastic slider. Clever! Your reverse lights will work just fine.

I had to add a knock sensor wire and an O2 sensor wire as detailed on the hybrid site. However, I still got a code 23 after driving the car for a few minutes. Then it occurred to me that the computer still thought the car was automatic. Now, I really tried to find the Transmission Control Module, but I couldn’t for the life of me. Maybe you have to remove the hyphen from something extreme. Anyway, with the help of a B16A2 wiring diagram from my friend Christian in Austria, I was able to identify the ECU wires that were no longer needed. Just cut the wires and tape them down! The first four are the TCM wires; the other two go to AT sensors for which I don’t have the German translation 🙂

ECU wires

B3-green/blue

B4-green/black

B7-grn

B13-grn/orn

B17-green/black

B19-yellow

Mechanic

Of course, when you remove the automatic gear stick, there will be a big hole under it. I found my car did not have mounting holes for the shift linkage. This is nice in a way, as you get to choose where the shifter will be located. I used a CRX shifter on my application and just bolted it through the sheet metal into the floor arch. Depending on the linkage you use and the plastic trim you choose to place over the shifter, the linkage length may need to be adjusted.

You’ll see a picture of a CRX pedal box on the left. If you’re really watching, you’ll notice that this pedal box is made for a clutch-by-wire system. The verdict: scrap the idea of changing the pedal box. The guys sawed off the clutch pedal and welded on a hinge so it could be used to actuate the plunger in the clutch master cylinder. We use a soft line to connect the slave cylinder (in the transmission) to the hard line, which connects to the clutch master cylinder. Very simple. In the picture of the interior you can see the large brake pedal (AT) next to the clutch.

THE RESULT

The car runs wonderfully and is a joy to drive. All functions and sensors are operational. Since I kept the stock AT casing around the shifter, I didn’t lose one of my favorite features of the car; the fold in cup holder! The gear stick boot is custom made with Italian leather. I also got the white faced indicators with the deal!

I would really recommend against switching in the other direction though, as all the wiring in the car behind the firewall would have to be changed to get a fully functional (all functions working) automatic.

Digital Marketing

4 steps to success with affiliate marketing

Affiliate marketing is one of the best ways to start making money online. By promoting an affiliate offer, you are simply recommending a product that provides value to others. This doesn’t require a lot of effort to set everything up. You can do this by directly promoting the affiliate offer or by sending traffic to your Squeeze page first to build your list. You can set up the entire funnel in less than an hour to get ready to start sending visitors to your offer.

I have seen many affiliate marketers (especially newbies) fail because promoting affiliate marketing products requires a few steps to be taken. If you skip one or more steps, the chances of people buying your recommended affiliate products are reduced.

That is why in this article I will highlight the 4 main steps required to become a successful affiliate marketer. Each of these steps is essential and all successful affiliate marketers take each of these steps into account.

choose your niche

This is the first and most important step to take into account. I can easily tell that if this step is not done correctly, everything else will hardly matter. You should choose a niche that has proven to be profitable and in high demand. This will definitely increase the chances that other people will buy your products or the affiliate products you recommend.

Not all niches are the same in terms of demand and profitability. This is a very common mistake that most marketers make. They think they can go ahead with any niche and start promoting right away.

The most profitable niches are Health, Wealth and Relationships. However, there are many other niches that are profitable and in high demand. There are five main factors to consider when choosing your niche:

Passion: It is much better to choose a niche that you are passionate about. This will help you continue to take action after each failure. Loving what you do is a great weapon for your business to be successful. However, this alone is not enough because you have to choose a niche that is also profitable.

Evergreen: When choosing a niche, ask yourself “Is it evergreen?” If you don’t know what an evergreen is, it means a niche that is always in demand and never goes out of style. Wealth, health, and relationships are great examples of evergreen niches. That’s because all the time people are looking for ways to make money, get healthy, and find or keep a relationship. Whichever niche you choose, it’s much better that it’s evergreen to keep benefiting from your products not just for a certain period of time.

High demand: This is the most important factor to consider for the creation of the product. The niche must be sued by others in order to make sales. No matter how good your product is, if it’s not in high demand, it will only generate few sales, but it won’t be a sustainable business that you can maintain and expand.

Specific: Choosing a broad niche will not bring you targeted traffic. This is because you did not make it clear which segment is your chosen niche. For example, if you make a product and only state that it is about wealth, this is a broad topic to talk about. Because wealth can be Internet Marketing, Forex, Real Estate, Physical Businesses and the list goes on. By just saying it’s about wealth, you’ll get traffic from all of these segments and most won’t need what you provide. However, if you specified that it is affiliate marketing, then more targeted people will see your offer and you are more likely to make sales and earn a sustainable income online.

digital product: When choosing a niche, ask yourself “Can I make a digital product out of it?”. Some niches or products are in high demand but cannot be turned into digital products. For example, t-shirts are in high demand, people buy t-shirts every day. However, if you make a Digital Product about it, will it be as in demand? Who wants to see or read about t-shirts? People like to use them. But Affiliate Marketing is a product that can be in high demand if it is done as a Digital Product.

build your platform

This step is a great way to promote yourself and become an authority. Using this step, other people see your work and know you know what you’re talking about, not just someone who’s only willing to promote products to make sales.

There are four big platforms to use:

WordPress: Every successful internet marketer today has a domain with WordPress installed. WordPress is an easy to use website building tool and most of all the easiest way to create websites today. It only requires a few steps to get your website ready to go live. You can create many types of web pages using WordPress, one of the most common being a blog. Internet marketers create a blog to create content that provides value to others and may also promote products.

Facebook: Who does not know Facebook? This website is ranked second and has over 1 billion active users. You can take advantage of this huge platform by creating a page that creates content that gets you tons of visitors who can turn to your existing customers. Your content will rank high because of the power of Facebook online. People like to search for Facebook Pages related to their needs and this creates a great opportunity that you can take advantage of.

Youtube: YouTube is the most popular video website on the planet, with visitors watching around 6 billion hours of video per month. The great thing about videos is that they create more engagement than text or audio. People enjoy watching videos and learn more from video tutorials than by reading reports or blog posts. This is a great opportunity for you to continue creating valuable videos on a regular basis. This helps you rank your videos higher and thus get more visitors to watch your videos.

tumblr: This is another social media platform that you can use to create blog posts. Tumblr is a popular platform to use and may even be your primary platform for creating your content and branding yourself.

grow your audience

This step is to get traffic to your website to build your business. As you know traffic is the lineage of any online business and without it there is no business.

There are many sources of traffic, but I will describe five powerful sources of traffic:

Social networks: This is a great way to get traffic online. Almost everyone uses at least one social media platform, which is a great opportunity to work. But this, of course, requires some work by creating content on a regular basis about things that other people need to know about.

Solo Ads: Click traffic for Solo Ads comes from people who open the email that the Solo Ads provider sends. This means that the Solo Ads provider sends an email to part of your list (depending on the number of clicks) with a website link that you provide.

CPAP: Pay Per Click stands for an Internet advertising model that drives traffic to a specific website. You create an ad (text and/or image) that, when clicked, redirects them directly to your website. If used correctly, you get very targeted traffic to your business, which increases the consistency of your sales and your income.

Blog: As we said earlier, blogs are very powerful in terms of branding and becoming an authority. You get highly targeted free traffic and get them to trust you and buy products from you because they’ve seen that you can deliver value with every product you offer.

Youtube: Video Marketing is a very powerful weapon to use today and that is why you can take advantage of it. You can create some informative tips, product reviews, ongoing tutorials, and much more using the power of YouTube. You get highly targeted free traffic and people will enjoy watching your videos and learn from you.

promote products

This is the final step that monetization does. Do all the above steps not for fun but to earn money online. This step gives you a great way to get sales online, whether it’s selling your own product or promoting other people’s products.

There are five great websites that offer great products to promote:

ClickBank.com: This is one of the most popular affiliate websites online. It has products from almost every niche online that help you choose the niche you want to do your business in and choose products that are proven to sell.

clicksure.com: Similar to ClickBank.com and very powerful too.

warriorplus.com: This is another great affiliate website to consider, but only if you are in a money-making niche. All the products contain techniques to make money so if you are in a different niche you can skip this website.

JVZoo.com: Similar to warriorplus.com but with higher priced products in general.

Mucheye.com: This website is very useful because it shows products that have not been released yet. This allows you to be more prepared to promote the product of your choice and you will have less competition because most people promote released products. It shows products from warriorplus, JVzoo and some other affiliated websites.

Now you know the four main steps you need to know to become a successful affiliate online. This guide will help you know how to choose your niche, build your platform, grow your audience, and promote products.

Legal Law

A Guide for Bronx Criminal Lawyers: The Path from Arrest to Arraignment in Bronx County, New York

There is a common belief among lawyers, as well as the general public, that all criminal matters that begin with an arrest somewhere in the United States follow a precise, consistent, and direct trail that leads to formal court proceedings. . This, unfortunately, is far from reality. There are many factors that have a significant impact on the post-arrest process. These factors include, but are not limited to, the location where the person was arrested, the availability of a nearby operating court facility, access to legal counsel, the availability of prosecutors, court clerks, court reporters, computer systems, and many other essentials. to any legal process. People arrested in remote areas, at night, can expect to spend several hours in a police station with little or no access to lawyers. Most are surprised to learn that many judges called in to conduct arraignments, very often in the back of a police station, are not lawyers at all. Many arraignments are conducted without legal counsel, prosecutors, court clerks, or even court reporters. Fortunately, a person arrested in Bronx County, New York City, will, with few exceptions, follow a highly organized path that leads directly to their arraignment. The courts, lawyers, prosecutors, stenographers and all those people or systems necessary to handle the matter in a timely manner are available. However, orderly as it is, the process can appear Kafkaesque to the general public, and even to untrained legal practitioners. The following is a roadmap outlining the precise journey virtually all cases take from the time of an arrest to the official arraignment process.

All criminal matters in the Bronx, New York begin with the reporting of a crime, either by civilian witnesses or by police officers. A civilian reporting a crime may be an actual eyewitness, a victim of a criminal offense, or a representative of the victim, such as a parent. In addition, certain classified professionals, such as social workers, doctors, attorneys, or legal guardians, are required by law to report certain crimes that come to their attention. The police can initiate a criminal complaint against a person in the absence of victims or witnesses. Typically, this occurs when the police observe a person committing a crime, such as driving under the influence, possession of a weapon, or sale and possession of drugs.

After a civilian files a complaint or is observed by police, a potential suspect may not be immediately arrested. The police may attempt to encourage the suspect to speak to the police in an attempt to obtain incriminating statements, or provide evidence or proceeds of a crime. Shortly after the suspect speaks to the police or seeks legal assistance, the actual arrest may take place. Arrest occurs when the liberty of the individual has been physically restricted, either by handcuffs, the physical restraint of the suspect, or by threat of force. After the arrest, the suspect is usually taken to the local police station for processing. Processing includes fingerprinting a suspect to determine the exact identity of the person based on the person’s criminal record. If the person does not have a police record, the fingerprint report will indicate so. Once the person has been printed, their NYSID number will appear on your fingerprint report. NYSID stands for New York State Identification. A person with a prior police record will be assigned the same NYSID number. A person who has never been arrested will be assigned a new NYSID number. The NYSID number is used to track a person’s criminal history throughout the state of New York. It also reveals whether or not the person has outstanding warrants, owes court fines, or is wanted in another state or jurisdiction. The suspect is also assigned an arrest number. The arrest number refers only to this particular arrest. In addition to the printing and background check of the detained person, photographs are also taken for identification purposes.

The next step in the process is the actual filing of a police complaint report. The police report is completed by the arresting officer. Provide a brief description of the crime, the evidence obtained, the names of the victims or witnesses, if any, and the precise charges for which the accused has been arrested. The arrest report also contains the defendant’s name, address, and personal information. This information, known as a pedigree, usually comes from the defendant himself and becomes part of the official report. Once all of this information is compiled, the defendant, arrest reports, fingerprint reports, and all other relevant information are transported to Central Booking. Central Booking is located in the Bronx Criminal Court building. Here is presented the entire file prepared by the police before the Bronx Prosecutor’s Office. The District Attorney reviews the entire matter and decides whether or not to proceed with the arrest process. If the prosecutor refuses to prosecute due to insufficient evidence, or for some other reason, the defendant will be released and all compiled records and photographs will be erased. If the matter is not dismissed, the prosecutor will prepare a formal criminal complaint.

The criminal court complaint is a more detailed complaint of all charges brought against the defendant. It contains information about the evidence obtained, the names of the witnesses, the times and places of the crimes charged, and an affidavit from the complaining witness or the arresting officer. Once this affidavit has been reviewed and signed, the entire matter is referred to criminal court for arraignment. Arraignment is when the defendant is brought before a court and is publicly notified that certain criminal charges have been filed against him. Prior to arraignment, each criminal court complaint is assigned a docket number. The docket number refers only to this particular criminal court complaint. However, before the arraignment, the suspect, now accused, has the right to a lawyer. The attorney assigned or retained by the defendant will be provided with a copy of the official criminal court complaint, along with a copy of the defendant’s criminal record. The lawyer will then be allowed to speak with the defendant before the arraignment. The purpose of this interview is for the attorney to notify the defendant of the charges that have been filed, obtain any important information such as defense witnesses, discuss bail issues, and answer all legal questions from the defendant. Once this is complete, the defendant is brought before the court for the arraignment. The actual arraignment usually takes no more than a few minutes. The prosecutor usually notifies the judge of the seriousness of the case before the court and whether or not bail is requested. The prosecutor also notifies the defense attorney whether or not the defendant made statements, and whether the defendant was identified in a lineup, or in some other way, such as photo identification. After the prosecutor finishes addressing the court, the defense attorney speaks on behalf of the defendant. The defense attorney’s primary goal at this point is to obtain the defendant’s release without bail, or with minimal bail conditions. The attorney may argue that the matter before the court is a criminal misdemeanor, is legally insufficient, or represents the defendant’s first offense. The attorney may also argue that the defendant maintains strong ties to the community, such as work and family, and it is unlikely that he will obtain a court order if he is released. At this point, the judge makes a bail decision and simply adds the matter for further legal proceedings, completing the arraignment process.

Lifestyle Fashion

Do you have a big dream and don’t know where to start?

What do you do if you have a big dream and don’t know where to start? This is going to sound strange. In fact, it’s going to be quite counterintuitive.

Stay still.

Go somewhere and sit down. Yes, sit down. Take the time to process this big dream that has touched your shoulder and enlisted you. Suppress the inclination to plunge headlong into the hustle and bustle. Instead, take time to get your bearings. Tune into your inner voice to hear the heartbeat of your dream and what your unique gifts, talents, and abilities bring to you.

find out.

TD Jakes, in his book Instinct, it warns us to familiarize ourselves with our new surroundings. Discover the law of the jungle before announcing to the world: “I’m here!” It can mean the difference between surviving or being eaten by a lion. It’s not because you’re flawed or on the wrong path. Life simply wants to succeed, so it gives you time to prepare.

A mentor is a great place to start! Mentors help you develop the skills and sensitivities you’ll need. They alert you to traps and the best time to go to the watering hole for a drink of water. They know the jungle and help you navigate it.

If you can’t immediately identify a person, remember that mentors come in many forms. An often underestimated resource is books. The media can also be a great mentor. YouTube videos and TEDx talks can introduce you to thought leaders and people who offer free webinars and affordable options for your development.

Move.

What I like to tell my clients is this: “Knowledge is only power if you know how to use it.” This is where a coach is most needed. He or she helps you get out of your head or run in circles to come up with a strategic plan that will get you moving in the right direction. In fact, studies show that among the many benefits of coaching, one is accelerating progress.

Enter everything.

Every part of your life has been listed by your dream. Resistance is useless. Just as a baby owns your body for 9 months, your dream owns you until it comes true. Your role is to nurture it to the end. You nurture it by taking impeccable care of yourself. Eat healthy. Take your vitamins. Visit your doctor regularly. Let others help you. Get enough sleep. Take care of your mental and emotional health.

The closer you get to your dream, the more it will require of you. Too often, dreamers increase their activity but do not strengthen their essence. Calming down, educating yourself, moving around, and being all in will help you withstand the rigors and help you look better when you arrive.

Pets

about the poem "Design" by Robert Frost

In the fifth line of the poem “Design”, an invisible hand enters. The characters are “mixed” like ingredients in an evil potion. Some force doing the mixing is behind the scenes. The characters themselves are innocent enough, but when put together their whiteness and de rigueur shroud look are overwhelming. There is something devilish about the spider’s feast.

“Morning law” echoes the word rite, a ritual – in this case, apparently, a black mass or Whitsy Saturday. The simile in line seven is more ambiguous and more difficult to describe. The foam is white, frothy and delicate, something found in a stream in the woods or on a beach after a wave recedes. However, in the natural world, foam can also be ugly: the foam from a polluted stream or the mouth of a mad dog. The dualism in nature, its beauty and its horror, is there in that one simile.

So far, the poem has portrayed a small, frozen scene, with the dimpled killer holding his victim as innocently as a child holds a kite. Frost has already hinted that nature may be, as Radcliffe Squires suggests, “nothing more than an ash-white plain without love, faith, or hope, where ignorant appetites intersect by chance.” Now, in the last six lines of the sonnet, Frost comes out and directly raises his subject.

What else could unite these death-pale, rigid things “but the design of darkness to horrify?” the question is clearly rhetorical; we’re bound to answer, “Yes, there seems to be some evil design at work here!” I take the penultimate line to mean: “What except a design so dark and sinister that it horrifies us?” “Pass”, by the way, is the second pun in the poem: it sounds like a pall or a shroud. Directed carries the suggestion of a steering wheel or rudder that some pilot had to control. Like the word brought, it implies that some unseen force traced the paths of the spider, the healer, and the moth, so that they would arrive together.

Real Estate

Cause of acquisition? What you don’t know can cost you a lot

In real estate parlance, Causa Procuradora, as defined by the National Association of Realtors, is “the unbroken series of causal events that lead to a successful transaction.” In plain language, it is the means of determining who rightfully deserves a real estate commission for making a sale. What it means for the home buyer or seller is that an agent with little or no involvement in a transaction can claim a commission from the buyer or the seller, or both. For example:

Comedian Jerry Seinfeld recently bought a $3.95 million townhouse in Manhattan. His real estate agent was not available to show her the house a second time due to his religious observance. Seinfeld then went into the transaction alone thinking he would save himself the $100,000 commission. He was later successfully sued because the agent had shown cause of acquisition by first showing him the property and because Seinfeld had entered into an exclusive buyer representation agreement. Not understanding the dynamics of the Procuring Cause had cost Seinfeld a hundred thousand dollars.

The Seinfeld case was relatively straightforward. The agent had shown him the property and had the exclusive right to sell the contract with Seinfeld. However, commission claims can be based on much weaker grounds. In fact, any verifiable contact with an agent can theoretically provide grounds for seeking cause. That’s why agents seem so eager to get a prospect to log in, whether online or in person. If that agent provides information about a property that the prospect ultimately purchases, the agent might view his or her efforts as the beginning of “the unbroken series of causal events that lead to a successful transaction.” Unfortunately, this happens occasionally.

Additionally, some agents present exclusive purchase agreements similar to the one Seinfeld signed with little to no understanding from the buyer of exactly what they are agreeing to.

It all sounds like real estate agents are out to trick buyers and sellers into paying large sums of money they didn’t work to earn. This is rarely true. Acquisition Cause is a definition in the Realtors Code of Ethics designed to protect agents from having their commissions stolen. It works like this:

An agent establishes an open and honest working relationship with a prospective buyer, shows them properties, often for months or even years, works with them on their financing, negotiates the sale, and then is cut out of the deal by the buyer (as Seinfeld tried to do). ) or seller or other agent who arrives at the last minute to draw up the contract. In the latter case, this often happens not because buyers are not happy with their agent, but because they have a friend or relative who has a real estate license, often part-time or inactive*, that they want to encourage by giving them the commission. , despite the fact that this agent had nothing to do with the process.

This is where the local association of real estate agents steps in to see that justice is done. Both sides of the issue are brought before a grievance board and the true cause of acquisition is determined. In the above case, it is clear that the agent who intervened at the last minute had no right to expect a commission. However, what if this newcomer agent who wrote the contract had an exclusive buyer agreement? In this case, the commission usually goes to the agent who has not only the signed contract but the exclusive agreement in writing.

Now this is where it gets tricky and can cost both buyer and seller a lot of money. An agent who backed out of a deal because he was uninformed or misinformed of the true situation may file a lawsuit in civil law court. Certainly no one needs this kind of hassle and expense, especially during a move, which often strains resources.

Here are some ways to avoid entanglement with the acquisition cause:

Don’t sign anything except the required agency disclosure documents that are designed to tell you where the agent’s loyalties lie and nothing else. If you choose to enter into an exclusive buyer agreement, keep in mind that even if you buy through another agent or directly from an owner or builder, you may be required to pay a commission to the agent who enrolled you.
Please do not provide contact information, as this may invite further marketing efforts. Please note that even casual contact with an agent providing information about a property can be grounds for claiming a commission. If you are asked to register for an open house, give your name and nothing else.
Decide on an agent to work with and work exclusively with that agent, whether or not they have a contractual agreement. If you decide to change agents for any reason, formally end your relationship with your old agent. Keep a record of the termination, such as a signed and acknowledged letter. Do not contact the former agent after your relationship ends.
If you receive information from the list or are contacted by an agent you are not working with, ask them to stop sending information and remove your name from their contact list.

That is all. The vast majority of real estate agents and brokers are scrupulously honest. They deserve to be compensated for their efforts just like any professional. But this only happens when they make a transaction and receive a commission. This is your livelihood. A few moments of communication in advance about your intentions as a buyer or seller often prevents misunderstandings later. Tell them what you want. Ask them to explain their obligations. Know who is working for whom. And learn how transaction agents will be compensated.

Contracts and other legally binding documents are often misinterpreted. This is why a lawyer versed in real estate matters is essential for your well-being. And while they are typically brought in to review the contract, prepare documents, and oversee the closing, they should also be brought in before exclusive purchase contracts or listing agreements are signed. The cost of this can usually be included in the fee for your closing services. The price for not doing so can be staggering.

In general, there is nothing to fear and everything to gain when working with a real estate professional. The Code of Ethics for Real Estate Agents, Article 1, details it:

“By representing a buyer, seller, landlord, tenant, or other client as an agent, real estate agents agree to protect and promote the interests of their client. This obligation to the client is paramount, but does not relieve real estate agents of their obligation to treat all parties honestly. By serving a buyer, seller, landlord, tenant, or other party in a non-agency capacity, realtors continue to have an obligation to treat all parties honestly.” Click to view the full Real Estate Agent Code of Ethics

Agents found guilty of code violations have their real estate agent status suspended or revoked.

Home ownership is not only the American dream, but also the source of wealth for most Americans. An open, honest approach and a little common sense go a long way to a successful transaction by preventing problems before they happen.

*Everyone knows a real estate agent. And chances are, this agent doesn’t make a good living selling real estate: 10% of licensed agents make 90% of the sales. The rest fight over the leftovers. Don’t get involved with one of them even if he is a familiar. Always work with the best professionals, whether they are brokers or associated brokers. Statistically, you are more likely to end up in court for a real estate matter than for any other issue. You don’t have to be one of them.

Shopping Product Reviews

Insurance Policies, Complaints and Testimonials

I have been reading reviews and testimonials from people who have various insurance plans. Some are tragedies while others are triumphs. Some are irrational and others are lucid. Some cast blame while others cheer excitedly. The key to all of this is that there is no middle ground. Reviews or testimonials show utter contempt for the insurance company or are delighted with their insurance company. Why is this?

There are several different reasons we can explore:

First, the person did not read or understand the policy.

One of the biggest problems is that people don’t read your policy carefully. They make assumptions, decide they’ll read it later, but never do. When they think they have a claim, they don’t read your policy to confirm your claim. They also do not call the insurance company to determine if they are covered. Another problem is that the person reads the policy but does not understand it and then does not seek clarification from his agent or from the insurance company’s call center or website. The fact that the insured does not read and understand his policy and makes assumptions without seeking clarification is the main reason for complaints.

Second, they had an inexperienced or misinformed insurance agent.

Not all agents are the same. A knowledgeable and experienced career agent knows what the policy will and will not do and can explain the policy clearly and concisely. An experienced agent knows the right questions to ask, and is in business to help people, not just make money. An experienced agent can answer her questions or knows who to call to get her answers and does so in a timely manner.

Unfortunately, there are many new agents, or agents in it for the money who don’t know the answers or where to get them, or just don’t care. Know your agent before you sign. Ask them who they turn to for answers. Find out what kind of person she is and her personal interests. Call your supervisor if you have questions or concerns. Discover the motivations and knowledge base of the agents. Reputable inexperienced agents need people who trust them so they can gain experience, but take the time to minimize your risk by using the tips I mentioned.

Third, they had an inexperienced call center representative.

Call centers have the same problems as many other businesses. They may have new employees who lack the experience to serve you properly. Again, just like inexperienced agents, call center reps need people to trust them so they too can gain experience. If you question the knowledge or skills of the call center representative, politely ask to speak to your supervisor. That way, you can get more definitive answers and help that inexperienced rep by creating a learning experience for them.

Fourth, you should know that insurance is a team effort.

When something goes wrong and you find out that something you thought was covered isn’t covered, don’t play the blame game. It doesn’t matter that he didn’t read the policy or that his agent forgot to tell him something about his policy, or that the agency is not paying his claim on what I would say is a technicality. What matters is what you do with this information. Did you learn anything from the experience? Are you better equipped to get what you need from your insurance next time? What can you do to make sure you have the insurance coverage you need? What can you do to make sure your next claim goes smoothly? We all make mistakes, but it’s what we do with that mistake that counts. Learn and grow from mistakes and leave the blame game to those who just want to complain.

Know your policy!

When you get a new device, you read the instructions to make sure you know how it works. It’s the same with insurance. Knowing how your policy works—what it covers, what it doesn’t cover, how to file claims, and when to file claims—will help you get what you want from your policy. This starts even before you sign your application. Don’t sign unless it meets all your needs and a price you can afford. Then review the entire policy at least once a year and ask these questions. Does this policy still meet my insurance needs? Do I know what is covered and what is not covered? Do I know who to call if I have questions? Do I know how to file a claim? Has my agent talked to me at any time this year to check on me and make sure my needs are still being met? If you can answer all of these questions you’re in good shape, if you can’t you should call your agent, contact the call center or check the agencies website for answers. I hope this information helps you.

Sports

Success: USC shows how to win by losing

Last night at the Los Angeles Memorial Coliseum the USC Trojan football team crushed the Notre Dame Fighting Irish by a score of 44-24, before more than 91,000 fans.

This marks USC’s fifth straight win over the Irish, though Notre Dame is still eleven wins ahead of the Trojans in overall victories since these two rivals first began meeting over 75 years ago.

But it was an unlikely win when viewed from the perspective of just a month ago.

That’s when USC fell to lowly Oregon State by a score of 33-31. Most people thought the Trojans were done for, at least when it came to competing for a national title, with ever-shrinking point gaps during their previous three games at Oregon State, having to rely on heroics from the team. fourth quarter just to catch wins.

But the opposite happened.

Losing seems to have been just what the doctor ordered to invigorate a team that seemed to have lost motivation. After the OSU loss, the Trojans roared and shutout Stanford and convincingly defeated Oregon and a very strong team from California.

And now, after losing to the Irish last night, USC could be one win away from competing in their third straight BCS National Championship game if they can get past rival UCLA.

This isn’t the first time USC has benefited from a loss. A few years ago, the Trojans lost to Cal in overtime, and this setback launched them on an unbroken winning streak that continued until they lost to Texas in last year’s championship shootout.

It goes to show that USC may seem on the verge of collapse, but it knows how to forge success from failure, right itself and make the kind of quick adjustments true winners are expected to make.

You don’t have to be a Trojan to benefit from this example!

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