Home ElectronicsCigarette (cigarrillo electronico) Automated Protection You Need To Know

Electronic cigarette(cigarette electronique) is a safe thing to consider when the(sigaretta elettronica). Electronic cigarettes(cigarros electronicos) are a new and unknown computer, that should be reviewed and understand the use of the (elektronisk cigaret) for personal use. Security (cigarrillos electronicos) to be taken seriously and understood the use of the(elektronischen zigaretten).

Safety begins with the spray electronic cigarette(cigarrillo electronico). The spray is the small part that screws into the pile of electronic cigarettes(sigaretta elettronica) and connect the spray cartridge (elektroniske cigaretter). This sprayer is heated to convert the liquid nicotine cartridge into the water vapor that is inhaled. The electronic cigarette is safe in the knowledge that this warming and can be hot. Never drag a permanent or inhaling the, because this will make(cigarros electronicos) spray to keep warm and eventually melt the toner. You must be a burden when you feel the urge to smoke. The use of the is moderately good security and cartridges will actually last longer.

Another important safety does not hinder the too hard. When you take a drag of your, you should take a slow, deep pull in about 3-5 seconds. If you pull too hard on the cartridge, you can potentially suck some of the nicotine in the mouth. If this happens, the security of(cigarro) correct too quickly, rinse your mouth with water.

Cartridges are available in a wide variety of tastes and strengths of nicotine. For regular, menthol, also the apple and strawberry flavor cartridges and nicotine strengths come in full, a medium, light, and no. While(elektroniskas cigaretes) are technically “alternative to smoking”,rather than smoking cessation device, the range of nicotine strengths offers clear opportunities to support those trying to quit smoking, and seems to be proving to be popular in these markets.

The nice thing about that you say, nicotine patches, that give the same tactile sensation and oral fixation that the desire of smokers, while satisfying the desires of snuff as well. When you take a drag n really feel your lungs fill with smoke flavored snuff warm and the waves of smoke exhaled from your lungs as the regular snuff, however, as mentioned, the smoke is actually a lot more water vapor that evaporates quickly heals and not offend anyone in the vicinity.

The Uses and Types of Industrial Gears

Gear, by a very basic definition is the machinery or device in a vehicle that regulates the power of its engine. However, the modern and sophisticated industrial gears have surpassed the conventional gears, both in application and scope. Today, the gears are used in a multitude of applications in numerous sectors. Some of the industries in which the contemporary gears are used include aviation, cement, defense, fertilizer, food-processing, medical, railway, steel, to name a few. Given below are some most prominent and useful types of industrial gears:

1) Bevel Gears: In these conical shaped gears the teeth perfectly mesh together. These gears are useful when there is a change required in the direction of the shaft’s rotation. These gears can be used in different number of teeth to increase or decrease the rotational speed. Although these gears are generally installed on shafts at a 90¡ angle, they can work well at other angles as well. These gears are also considered very beneficial as they allow adjustments during the assembly stage.

2) Differential Gears: This gear is very commonly used in the automobiles. It links two separate shafts with a covering and tune the total rotational angles of the shafts to that of the covering. These gears are designed in such a manner that when the differential side gear is meshed with the other gear then it produces a high torque, which is transmitted to the axle shaft. There is a set of coaxial gears present in the differential gears. This set includes pinions and turntable.

3) Girth Gears: These gears are used in numerous industrial applications. They are unique in the way that unlike other gears, they are made in multiple segments which can be of two, four, or eight equal sizes. Some benefits that one might get by choosing these gears are their low initial cost, ease of installation, simple operation, to name a few. Their most popular standards include AGMA 321.05, AGMA 6004 F88, and ISO 6336. These are also known as split ring gears.

4) Helical Gears: These are also one of the well-known types of industrial gears. The involute teeth of these gears mesh at an angle to create optimum thrust load. The name helical is due to their teeth, which are curved along a helical path or resemble a helix. Their advanced design enables a smooth operation of these gears. Not only this, they can comfortably carry heavy loads due to the enhanced surface contact with teeth.

5) Spur Gears: Although these gears are simple in operation, they are used in a multitude of industrial and non-industrial applications. They are often found in cylindrical or disk shapes. These gears are used for the purpose of making variations in the force and speed of rotating axles. They possess straight teeth and are usually installed on parallel shafts. They can be used either separately or in a combination of two or more spur gears, depending upon the scope and nature of the application.

Besides the types of gears mentioned above, there are a lot of other gears and gearing equipment available at present. If you are seeking comprehensive and reliable information on these advanced equipment, you should visit Gears Manufacturers Marketplace.

Online Smoke Shop – Electronic Cigarettes

Electronic Cigarettes have been starting to be more and more accepted over the months primarily present in Online Smoke Shop’s and certainly I would say the smoking crowd. The ban on cigarettes in many venues has done nothing but make it possible to thrust this unique advancement. Electronics cigarets also named smokeless cigarette, or e-cigarette. Are purchasable in more or less every Online Smoke Shop! Not like with an original cigarette individuals are now capable to smoke in Stores, Dining locations, and even Planes!
Anybody is now able to smoke in the open with out suffering from worries about inflicting harm on folks due to second hand smoke.

The number one reason smokers seem to be discovering a relatively easy change over to an e cigarette is without question due to the actuality of exactly how authentic it in fact feels. You gain the very exact felling as a regular cigarette with out all the unsafe effects, While always fulfilling one’s tobacco craving. When you inhale the vapor of your electronic cigarette you can actually feel your lungs fill up with what fells like tobacco smoke. The smoke given off is in fact a water vapor that replicates the smoke you would achieve from a traditional cigarette. The best part of this is the minute you exhale all that smoke quickly evaporates making sure to leave no trace of tobacco. However you will still be getting that nicotine fix you desire.

The way your electronic cigarette actually operates rests within the inhaling process. Unlike with a typical cigarette there is in no way a need for a lighter, or matches for that matter once you inhale on your electronic cigarette you initialize a flow sensor, that then generates the discharge for water vapor. The vapor includes nicotine, propylene glycol, and a scent that in fact simulates the flavor of tobacco. This particularly signifies that you are still able to achieve that nicotine fix you have always been in need of while definitely not taking in all the health consequence true cigarets give off. Including Formaldehyde and 4,000 other harmful chemicals which in fact are in each single cigarette you place to your lips. To name a few more that you would be much more familiar with.

Ammonia
Acetone
Carbon Monoxide
Arsenic

In most cases the only thing that could very well be looked down upon by using electronic cigarettes is a chemical known as Propylene Glycol. This Has become the chemical that renders it possible for the liquid nicotine to be able to transform into a water vapor making it possible to inhale.This chemical is however given approval by the Food drug administration in several other types of materials. A great deal more of investigation is in fact still in progress as to whether this is okay to be an inhalant nonetheless previous investigation indicates no negative side effects.
You can easily select distinctive levels of nicotine in an Online Smoke Shop for your electronic cigarette. Your nicotine cartridges are available in a variety of flavors as well as strengths. You can order Regular, Menthol, even Watermelon, and Cherry flavored cartridges. The nicotine strengths are available in Full, Medium, Light, and None you cannot go wrong utilizing an electronic cigarette even more so if your seeking to develop to be a lot more healthy and continuing achieve that nicotine fix you have to have day in and day out!

Four Major Functions Provided by a Real Estate Agent That You Can Do Yourself

Selling a home entails four major functions that are usually performed by a real estate agent. If we take the mystery out of those functions, they start looking as if we can do them without an agent. And you can!

1. Pricing your property

The first thing that an agent will do for you is help price your property. You don’t want to offer your home for sale at double its market value because it just won’t sell. Likewise, you don’t want to offer your home for sale at half its market value because you would just be cheating yourself of that price difference. If the market is such that your house in your neighborhood in your city is worth about $200,000 then you want to sell it for that. If you have made additions to the house that might make it worth more, then you want to add those items to it. The real estate agent has a lot of that data at their fingertips through their subscriptions and through their knowledge of the marketplace.

You can do this pricing yourself as long as you don’t let your ego get the better of common sense. You can find out what homes are selling for by cruising your neighborhood and checking out homes for sale to see what they are priced at. You can check to see what they sold for by visiting your tax authorities. Most municipalities and counties require that all deed transfers be recorded as a matter of public record. You can access that data through the internet if your municipality offers it, or you can go look it up in person where the internet is not used. Just make sure you are pricing your 3 bedroom 2 bath house with other 3 bedroom 2 bath houses rather than a 2 bedroom or 5 bedroom house.

2. Marketing your property

Marketing real estate is a sort of catch-all word for advertising the home as being for sale and then showing the property to prospective buyers through appointments or open-houses. The most important and probably most costly marketing activity is advertising the house. There is one real estate agent around here that states in their commercials that they spend between $1,000 and $1,500 per HOUSE while claiming that many agents only spend less than $500 per month for all of the houses that they list.

You can perform all 3 of these marketing functions. Who would be better to show a home or to have an open-house than the resident of the home — just do not let your ego get in the way and react defensively to reasonable buying questions. The advertising should be fairly simple as well. You are just as qualified to create want-ads for your local and regional papers and classified magazines as long as you model your ads after the ones that you will be competing for attention with. There are some advertising sites that require that all of their advertisers be real estate agents. You might try circumventing that restriction by offering a real estate agent a small fee to list your property on those restricted sites. The worse they can do is say “No” and a different agent might be more cooperative.

3. Contract exchange and negotiation.

Real estate agents act as intermediaries between the seller and the buyer. They take a contract proposal from the prospective buyer or their agent and present it to the seller. This goes on with price changes or with feature additions and removals until both the seller and the buyer agree on the selling price and property conditions.

There should be no question that you can do this yourself as the seller. After all, the agent would have to come to you anyway to get your approval and signature. Once again, this is where you need to put your ego and pride to the side. At this stage, all of your advertising and pricing work has come to fruition and you have a buyer negotiating with you. The worse thing you could do is to react defensively. You just participate in a give and take during the process as if it were for someone else.

4. Preparing the final paperwork and closing the sale

The real estate agent is usually the one to give all of the closing information to the title company and lawyers so that the deed to the property can be transferred from the seller to the buyer with no problems. This is when checks are transferred and mortgages paid off. It is also when the commission check is given to the real estate broker for dispersal to his agent.

You can do these things also. You are the one that has handled the paperwork up to now. You are the one that is ready for your mortgage to be paid off. You are the one ready to receive a check for the difference between what you owe on the mortgage and the selling price of the house. Most of this information is put on the HUD-1 form by the title company. In fact the major role of the agent here is to hold your hand and collect the commission check. Again, these tasks can be handled with a minimum of activity on your part. Any legal requirements can be farmed out to a lawyer for a much smaller fee than the agent’s commission.

Pricing, marketing, negotiating, and closing are all functions that are required to sell a property. They are all tasks normally handled by a real estate agent. They are also tasks that you can do yourself at a cost far less than 5% of the selling price of your house.

Anatomic Gel – Shoes Built for Wear

Anatomic Gel footwear is a range of beautifully styled and manufactured men’s shoes and boots which are made in Brazil and designed in the UK. The key feature of this range is the Anatomic Gel Technology which is created using only the finest softest 100% leather available. The beauty of this leather, used in the uppers, gives a unique and pleasing appearance to each pair of Anatomic Gel shoes. The hinged leather insole allows the shoe to be flexed without breaking and is constructed using four layers. The double layer of foam and latex makes it supremely comfortable for walking throughout the day and there is also a layer or patented antibacterial fabric and a layer of sheepskin. The rubber sole allows for plenty of flexibility and is non-slip. The thread used in the stitching is waxed to help prevent water penetration and it is 100% stitched through using the McKay method.

Jose Rosa Jacomete originally founded Brazilian Anatomic and Co some 20 years ago after working for 20 years from the age of 13 in the footwear industry. Jose Rosa Jacomete (affectionately known as Zuza to his family) left home to earn money for his family and found he had a passion and Uncategorized talent for footwear design. He learnt the trade inside out over the next 20 years and after gaining experience pattern cutting, designing and shoemaking as well as practising and learning at the technology centres that were specific to the shoe trade, he decided to open his own small factory. Since those days Anatomic and Co’s reputation for human rights and fair trade has gained recognition worldwide along with its Anatomic Gel Technology.

Anatomic Gel footwear’s first venture into the overseas market was launched in the UK about 2005 but has now spread to over 60 countries worldwide with customers in Europe, Asia, USA, Japan, South Africa, The Middle East, South America, Australia, New Zealand and also a high quality niche market in China. The company’s attention to detail and use of high quality materials has made them a major force in the world footwear market. Not only mature age customers are attracted to their product but also the younger generation find their shoes appealing with the high level of comfort and trendy stylish good looks.

The range of Anatomic Gel shoes and boots covers a wide variety of styles and colours. There are beautifully crafted dress boots, made of soft sheep leather, that are suitable for the office but that look just as good with a comfortable pair of jeans for that laid back casual weekend outing. There are also wonderfully comfortable elastic sided pull on Chelsea style boots that incorporate the fabulous soft layered insole and like all Anatomic Gel boots have the padded ankle support. In addition there are dress shoes in lace-up or pull on styles in a large range of fantastic colours.

Try a pair of Anatomic Gel shoes or boots for yourself and find out why they are such a favourite with people from all over the world.

How to Find Cheap Car Rentals

Car rentals can be quite the expense, especially for customers traveling out of state, and even out of the country. There are car rental companies that charge per mile, and other car companies that offer an unlimited mileage package to customers renting a car for a day, a weekend or even longer. Using these tips, the customer can find cheap vehicle rental rates and save money on car rentals.

Go for the unlimited mileage. Unlimited mileage is necessary for those customers seeking unlimited driving time over the period of days without being charged for every mile that the vehicle goes over the limit.

Booking vehicle rentals online can save hundreds of dollars per vehicle trip. Coupons are often available which can give the customer free days for the vehicle rental, or a percentage off of the vehicle rental price. Booking online and signing up for opt-in lists can also enable the customer to receive valuable offers in their future, sent directly to their email in-box.

Ask for the free upgrade. Did you know that often just asking for an upgrade can yield positive results? Many times, if vehicles are not in stock, the customer is eligible for an upgrade as the vehicle should be in stock, especially if a vehicle has been reserved.

Calling the vehicle rental company beforehand can mean the difference of a rental upgrade. Many times, if you call ahead of time, you will be eligible for deals offered to customers that have reserved a vehicle. Especially through the holiday seasons, it is crucial that a vehicle be reserved – just to ensure a vehicle will be available for the vacation.

Did you know that going with an independent vehicle rental company can save up to thirty percent off of the price of a vehicle? When a vehicle is rented with these companies, they are aware that the have to outsell the price of the competition and therefore will lower their prices to reflect these discounts.

Comparing prices online could save up to forty percent off of the price of a vehicle rental. Travel websites often offer these comparisons with one search. One search can yield results for all of the leading, and independent vehicle rental companies can compare the sizes, prices and special offer of vehicles.

Booking a vehicle rental online and bundling the vehicle with airline tickets and hotel means that the consumer can save valuable money on the vacation. Did you know that you could save up to fifteen percent on vehicle rentals? When you are planning a vacation, it just becomes easier to book everything at once, rather than to complete all reservations separately.

Return the vehicle early. Many companies offer discounts and incentives for customers willing to return the vehicle early. Consider returning the vehicle late in the evening before the morning it is due back. This will ensure no extras charges are accumulated and money is saved on the complete car rental bill. Using these tips, your car rental fee doesn’t have to break the bank!

Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Fashion Shopping For Tall Ladies

Shopping for a tall lady, 5’9″ and up, is a difficult task. You have to consider the inseam on slacks and jeans, the length of sleeves and where the waistline falls. Being 5’10”, I am notorious for taking the hem out of pants.

Places NOT to shop:

When shopping for pants that cater to taller women, you want to stray away from Bebe, Victoria Secret, Metro Style, Macys,Dillards, and Banana Republic. Trust me. I have tried slacks from ALL of the stores above and none of them quite seem long enough. Every now and again Bebe, which caters to petites, will carry a pair of slacks with an inseam greater than 33 inches.

Where TO shop:

When shopping for slacks and you are tall. The internet is your friend. While the selection of tall slacks in stores such as Banana Republic and Ann Taylor may be limited, these stores offer longer inseams when shopping online. J Crew is another store that offers a great tall selection online. If you would like to walk into a store for slacks, The Gap, Express and New York and Company carry longer lengths in slacks.

Denim

When shopping for denim jeans for tall ladies, the same stores listed above will work. However, if you are into designer denim, you would want to learn which brands cater to tall ladies. Rock and Republic and Seven of all Mankind have longer inseams. When shopping for denim for someone 5’9″ or over, you would want to look for a 34 inch inseam. Designer denim brands like True Religion and Citizens of Humanity, cater to shorter ladies.

The myriad benefits of metal patio furniture

When you’re looking for furniture for your outdoor living space or to grace your swimming pool deck, the advantages of metal patio furniture are countless. Metal patio furniture is both versatile and durable. Patio chair covers, and all patio furniture covers for that matter, are a vital addition to the rugged metal frames. Plastic and wood patio furniture varieties simply do not hold up as well as metal, particularly aluminum, one of the more popular patio furniture metals.

The magical quality of metal patio furniture is its unique combination of strength and portability. These pieces can be easily rearranged and it doesn’t take more than one person to do it so if a party is in the making, you can quickly move the furniture to suit the crowd.

Durability is a big factor for consumers when it comes to their patio furniture. Quality patio furniture covers, and patio chair covers, are a savvy choice for consumers who seek value.

Nothing holds up to the elements like metal, whether your metal of choice is aluminum, wrought iron, or something else. Metal patio furniture is among the most durable of all accessories you can purchase for your home. Considering that outdoor lounges and chairs spend a lot of time in rain, snow, and direct sunlight, they are phenomenally durable. Metal frames are also corrosion proof, so cleaning is easy since all you really have to do is hose the stuff off. Metal patio furniture requires virtually no maintenance.

While steel and wrought iron are not as light as aluminum, they do provide incredible durability. If you choose one of these heavier metals for your patio furniture, even the black, painted metals can be invariably spruced up with extremely colorful cushions and coverings.

Whatever your taste, add a bit of accented hue to the backyard area with an array of color choices.

Metal garden furniture is not only long lasting and versatile, but very easy to maintain. Any garden can become a showplace with the addition of chairs, tables, sofa pieces, or just plain benches. The reasonable prices and wide availability of attractive metal garden furniture make it a perfect choice for homeowners who value aesthetics and economical design.

Top 10 Reasons to Smoke Electronic Cigarettes

Electronic cigarettes are the hottest thing in new technologies today. They are a great alternative for anyone having trouble kicking the tobacco cigarette habit. Here are the top 10 reasons to smoke electronic cigarettes.

Electronic cigarettes have no tar, and 99.9% fewer carcinogens than regular cigarettes. Did you know that tobacco cigarettes have up to 599 ingredients. When burned, they create up to 4000 chemical compounds. Yuck! When you smoke electronic cigarettes, all you inhale is vaporized water, flavoring, and propylene glycol, an inert chemical which is present in many of our foods, and medicines.
Electronic cigarettes leave no stinky odor. Tobacco smoke is a solid, and eventually settles on anything it comes in contact with, leaving a smelly film. When you smoke electronic cigarettes, they emit a vapor, which is a gas, and will leave behind no lingering odor.
Electronic cigarettes require no accessories. No lighter, or matches, no ashtray to overfill with dirty stubs. Simple.
Electronic cigarettes are legal to use indoors. Sure, they probably won’t let you smoke electronic cigarettes on an airplane, but if you did, it would be within the law. I recommend you sneak a few puffs in the washroom. The smoke detectors can’t detect vapor. Now you can keep smoking wherever you are.
Electronic cigarettes will save you money. After the initial cost of a Starter Kit, the e-cigarette habit is cheap to maintain. For the e-juice (the liquid vaporized when you smoke electronic cigarettes) equivalent of a pack of cigarettes, it cost between $1.00 and $3.00. Now calculate the savings based on the cost of cigarettes in your area. I guarantee they are significant. Now you can afford to keep smoking.
Electronic cigarettes are less addictive. While continuing to deliver your nicotine, e-cigs do not have all of the other addictive chemicals present in tobacco cigarettes. And since the e-juice comes in a variety of nicotine strengths, including zero, you can easily wean yourself from the habit, and keep smoking your e-cig.
Electronic cigarettes are a great conversation piece. Because they are such a new technology, e-cigarettes get a lot of attention wherever they’re smoked. It’s a great way to meet new people, and a handy tool if you’re single. So smoke electronic cigarettes, and get more phone numbers.
Electronic cigarettes create less waste. No more flicking your butts onto the road, and no package to throw out. As a bonus, most e-cig companies will refurbish the cartridges when you’re done with them.
Electronic cigarettes save lives. If you’ve been smoking for a while, it might be hard to quit. With e-cigarettes, you don’t need to. You can smoke electronic cigarettes to your hearts content, with none of the ill effects of tobacco.
Electronic cigarettes don’t take your breath away. I don’t know too many tobacco smokers who play sports, and the ones who do struggle. Tobacco smoke inhibits your lungs ability to do their job. E-smoke has no such negative effects. Welcome to an age where you can smoke the equivalent of a pack of cigarettes, then run a marathon.
You don’t need to finish an electronic cigarette. When you light up a tobacco cigarette, you either need to finish it, or you waste it, or bear the disgusting first drag when you relight it later. When you smoke electronic cigarettes, you can keep smoking for an hour straight, or take a couple of drags and put it down. It’s there when you want it, for however long you want it.