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AtricleZine - The Constitution - What the Heck Does It Really Say Anyway? Part III
Home Buyer's Hidden Costs
Home buyer's who purchase a home without a real estate agent (or sometimes purchase through an inexperienced agent) can find out too late they don't have enough money to close and move.Top 10 Costs Home Buyers Miss:1.) Property Taxes and AssessmentsHome buyers often need to set up an escrow account with the new mortgage lender. This means that they must pay a portion of taxes upfront. In some states, the seller has already paid the local taxes and this amount must be paid back to the seller at closing. Also, some counties have transfer taxes whenever a property changes hands.2.) InsuranceFire insurance or a homeowner’s insurance policy usually needs to be paid for up front. Although you may be able to get an insurance binder from your company on a payment plan, most mortgage companies require the first year paid during escrow or closing.3.) Appraisal FeesMortgage lenders require appraisals to make sure your property covers your loan amount plus their investment risk. The buyer normally pays between $150-$450 to the appraiser.4.) Survey FeesSome lenders require a property survey. You may also want a survey if the property lines are in question. Survey fees vary from $600-$2,500, or more for large parcels.5.) Septic System CertificationIf your new property does not connect to public sewers, you may need a septic clearance for your lender. Often the home seller pays this cost, but you want to make sure you get no hidden charges or surprises.6.) Water Quality CertificationThe same holds true for properties with a well and not public water service. For your own piece of mind, you will want to check the water quality and have this clause as a condition in your purchase contract. Not only do you want to make sure the water quality passes, you want to make sure the well has plenty of flow so you don't run out of water.7.) Miscellaneous Origination and Loan FeesYour mortgage lender adds fees for processing your loan, document preparation, underwriting, closing, funding, and sometimes "garbage fees." Check your estimated costs statements and look for hidden fees. Before committing to a lender, shop for your best loan and compare lender's costs.8.) Association and Maintenance FeesMost buyers understand that a condo comes with assoc
t in all such Cases the Votes of both Houses shall be determined by yeas and Nays, and the Names of the Persons voting for and against the Bill shall be entered on the Journal of each House respectively. If any Bill shall not be returned by the PreHome buyer's who purchase a home without a real estate agent (or sometimes purchase through an inexperienced agent) can find out too late they don't have enough money to close and move.Top 10 Costs Home Buyers Miss:1.) Property Taxes and AssessmentsHome buyers often need to set up an escrow account with the new mortgage lender. This means that they must pay a portion of taxes upfront. In some states, the seller has already paid the local taxes and this amount must be paid back to the seller at closing. Also, some counties have transfer taxes whenever a property changes hands.2.) InsuranceFire insurance or a homeowner’s insurance policy usually needs to be paid for up front. Although you may be able to get an insurance binder from your company on a payment plan, most mortgage companies require the first year paid during escrow or closing.3.) Appraisal FeesMortgage lenders require appraisals to make sure your property covers your loan amount plus their investment risk. The buyer normally pays between $150-$450 to the appraiser.4.) Survey FeesSome lenders require a property survey. You may also want a survey if the property lines are in question. Survey fees vary from $600-$2,500, or more for large parcels.5.) Septic System CertificationIf your new property does not connect to public sewers, you may need a septic clearance for your lender. Often the home seller pays this cost, but you want to make sure you get no hidden charges or surprises.6.) Water Quality CertificationThe same holds true for properties with a well and not public water service. For your own piece of mind, you will want to check the water quality and have this clause as a condition in your purchase contract. Not only do you want to make sure the water quality passes, you want to make sure the well has plenty of flow so you don't run out of water.7.) Miscellaneous Origination and Loan FeesYour mortgage lender adds fees for processing your loan, document preparation, underwriting, closing, funding, and sometimes "garbage fees." Check your estimated costs statements and look for hidden fees. Before committing to a lender, shop for your best loan and compare lender's costs.8.) Association and Maintenance FeesMost buyers understand that a condo comes with assoc
Exponential Search Engine Traffic Growth - The Beauty and Frustration of the Internet
The internet is structured in such a way as to facilitate explosive, exponential growth.Most of us know about the internet’s explosive potential to make millionaires almost overnight through search engine traffic, and this potential is quite often what attracts many people to do business online.The problem, however, is that we often don’t realize the amount of hard work and dedication that it takes to actually see and experience this type of amazing and lucrative growth.If we were to graph a website’s traffic growth by the amount of effort put into the website (using various search engine optimization methods – on page optimization, reciprocal linking etc), we would get an exponential curve.As we can see from the shape of an exponential graph, exponential traffic growth requires a lot of initial effort with very few results at first.Then after time, the search engine traffic growth begins to increase very rapidly, compounding exponentially with very little effort required to dramatically increase traffic.Unfortunately, we are most used to thinking in terms of a linear graph when it comes to the amount of effort put in versus the results that we see.What I mean by this is that typically we feel that we should be able to see an immediate increase in our search engine traffic growth, directly related to the effort that we put in, as it is with most other jobs.In a linear growth situation (which is typical of most jobs), we can see that the more effort we put in, the more immediate results we see, so the growth/results (or lack thereof) would be seen immediately and would be directly related to the amount of effort put into the job.However, this isn’t the case with exponential growth on the internet.If we refer back to an exponential growth graph of the amount of traffic growth for a website, we can clearly see that at the beginning stages of search engine traffic generation, there is often a lot more effort put out than actual results seen.If we were to compare the linear and exponential growth graphs by overlaying them, we would quickly see the dramatic differences between the two graphs.That being said, if we view search engine traffic growth as being linear – instead of exponential - we would expect that if we were to increase our efforts, we would see immediate results in the amount of traffic that we get.You
Section. 7The internet is structured in such a way as to facilitate explosive, exponential growth.Most of us know about the internet’s explosive potential to make millionaires almost overnight through search engine traffic, and this potential is quite often what attracts many people to do business online.The problem, however, is that we often don’t realize the amount of hard work and dedication that it takes to actually see and experience this type of amazing and lucrative growth.If we were to graph a website’s traffic growth by the amount of effort put into the website (using various search engine optimization methods – on page optimization, reciprocal linking etc), we would get an exponential curve.As we can see from the shape of an exponential graph, exponential traffic growth requires a lot of initial effort with very few results at first.Then after time, the search engine traffic growth begins to increase very rapidly, compounding exponentially with very little effort required to dramatically increase traffic.Unfortunately, we are most used to thinking in terms of a linear graph when it comes to the amount of effort put in versus the results that we see.What I mean by this is that typically we feel that we should be able to see an immediate increase in our search engine traffic growth, directly related to the effort that we put in, as it is with most other jobs.In a linear growth situation (which is typical of most jobs), we can see that the more effort we put in, the more immediate results we see, so the growth/results (or lack thereof) would be seen immediately and would be directly related to the amount of effort put into the job.However, this isn’t the case with exponential growth on the internet.If we refer back to an exponential growth graph of the amount of traffic growth for a website, we can clearly see that at the beginning stages of search engine traffic generation, there is often a lot more effort put out than actual results seen.If we were to compare the linear and exponential growth graphs by overlaying them, we would quickly see the dramatic differences between the two graphs.That being said, if we view search engine traffic growth as being linear – instead of exponential - we would expect that if we were to increase our efforts, we would see immediate results in the amount of traffic that we get.You
Clause 1: All Bills for raising Revenue shall originate in the House of Representatives; but the Senate may propose or concur with Amendments as on other Bills.
All spending bills have to come from the House of Representatives, but the Senate can amend the bills, add some stuff, or cut some stuff out.
Clause 2: Every Bill which shall have passed the House of Representatives and the Senate, shall, before it become a Law, be presented to the President of the United States; If he approve he shall sign it, but if not he shall return it, with his Objections to that House in which it shall have originated, who shall enter the Objections at large on their Journal, and proceed to reconsider it. If after such Reconsideration two thirds of that House shall agree to pass the Bill, it shall be sent, together with the Objections, to the other House, by which it shall likewise be reconsidered, and if approved by two thirds of that House, it shall become a Law. But in all such Cases the Votes of both Houses shall be determined by yeas and Nays, and the Names of the Persons voting for and against the Bill shall be entered on the Journal of each House respectively. If any Bill shall not be returned by the Pres
Question: Should You Do Something Just Because You Can?
My concern this evening is about a growing trend online - and I'm wondering "just because you CAN, should you?"This week has seen the launch of several major marketing programs by major players. These guys (and gals) have magic fairy dust surrounding them, literally everything they touch - and throw out there - turns to gold... for them.Now that in itself is not a bad thing. I'm all for free enterprise :)The problems I'm wrestling with tonight are small potatoes I'm sure to the guy pulling in literally millions.The thing is... I get phone calls ALL the time from people who've tried this and that on the net. People of limited means - financially - yet those same people still strive to discover something that will truly work for them. Help them make their mark on the internet.Enter the newest "launched" products.Some are extremely useful, heck maybe all of them are, and for the most part many are affordably within the means of the average marketer.My dilemma harkens back once again to the phone calls I receive. I've literally heard from hundreds of people who have spent thousands upon thousands of dollars scarfing up this program and that program. With still nothing to show.Let's face it... if you know how to write good sales copy, and you team up with the right individuals, the skys the limit on what you can get people to buy... and spend. Even if YOU SHOULDN'T!I'm just praying to the force this evening that every would-be marketer who jumped on the various bandwagons today was given the time to speak one on one with the other guys on the other end. The guys raking in the BIG bucks.Did they take the time to PREQUALIFY their buyers? I doubt it. Should they, when you're selling pie in the sky, anyone can do this, types of programs? YES!I'm not badmouthing what's out there. I'm sure the time and effort to develop the product, hype the media, and get the crowds coming compensates for most costs.The thing is though... while the THING itself may be better than sliced bread any day, after one spends the HUGE bucks to get it is the buyer aware that 10 to 1 he or she (the buyer) does NOT have the list the big guy(s) have... it's the LIST that pulled the sales. It doesn't matter what you just bought, if you have no list you will have to spend more money to see if you can recover your costs. So many who truly should not have bou
s, but the Senate can amend the bills, add some stuff, or cut some stuff out.My concern this evening is about a growing trend online - and I'm wondering "just because you CAN, should you?"This week has seen the launch of several major marketing programs by major players. These guys (and gals) have magic fairy dust surrounding them, literally everything they touch - and throw out there - turns to gold... for them.Now that in itself is not a bad thing. I'm all for free enterprise :)The problems I'm wrestling with tonight are small potatoes I'm sure to the guy pulling in literally millions.The thing is... I get phone calls ALL the time from people who've tried this and that on the net. People of limited means - financially - yet those same people still strive to discover something that will truly work for them. Help them make their mark on the internet.Enter the newest "launched" products.Some are extremely useful, heck maybe all of them are, and for the most part many are affordably within the means of the average marketer.My dilemma harkens back once again to the phone calls I receive. I've literally heard from hundreds of people who have spent thousands upon thousands of dollars scarfing up this program and that program. With still nothing to show.Let's face it... if you know how to write good sales copy, and you team up with the right individuals, the skys the limit on what you can get people to buy... and spend. Even if YOU SHOULDN'T!I'm just praying to the force this evening that every would-be marketer who jumped on the various bandwagons today was given the time to speak one on one with the other guys on the other end. The guys raking in the BIG bucks.Did they take the time to PREQUALIFY their buyers? I doubt it. Should they, when you're selling pie in the sky, anyone can do this, types of programs? YES!I'm not badmouthing what's out there. I'm sure the time and effort to develop the product, hype the media, and get the crowds coming compensates for most costs.The thing is though... while the THING itself may be better than sliced bread any day, after one spends the HUGE bucks to get it is the buyer aware that 10 to 1 he or she (the buyer) does NOT have the list the big guy(s) have... it's the LIST that pulled the sales. It doesn't matter what you just bought, if you have no list you will have to spend more money to see if you can recover your costs. So many who truly should not have bou
Clause 2: Every Bill which shall have passed the House of Representatives and the Senate, shall, before it become a Law, be presented to the President of the United States; If he approve he shall sign it, but if not he shall return it, with his Objections to that House in which it shall have originated, who shall enter the Objections at large on their Journal, and proceed to reconsider it. If after such Reconsideration two thirds of that House shall agree to pass the Bill, it shall be sent, together with the Objections, to the other House, by which it shall likewise be reconsidered, and if approved by two thirds of that House, it shall become a Law. But in all such Cases the Votes of both Houses shall be determined by yeas and Nays, and the Names of the Persons voting for and against the Bill shall be entered on the Journal of each House respectively. If any Bill shall not be returned by the Pre
Personal Loan - Fulfill Your Needs and Aspirations!
Are you worried about how to finance your personal needs because you have been unsuccessful in availing loans? Owing to bad credit or some other reason, your loan applications may have been turned down. Don’t worry! We will help you out. Whatever be your need – consolidate debts, buy a car, renovate home, finance education, go on holiday, you can easily meet all the requirements! Your bad credit history too is not a deterrent to apply for a personal loan.Personal loans come in two forms – secured and unsecured. Based upon the borrower’s financial status and need, any one of the loan can be availed. A secured personal loan can be availed by pledging a security as collateral. The security can be anything like hose, car, jewellery, etc. You can also look forward to a big loan amount with a low rate of interest. However, the loan duration is quite long.For an unsecured personal loan, you don’t have to pledge anything as security. Due to this it carries a higher rate of interest and comes with shorter repayment duration. Unsecured loans prove to be a good option for those who don’t want to risk their property or are not sound financially.Instant Personal Loans – Meet Your Urgent Needs Now!There are times when you might need money urgently at a very short notice but are running out of cash. You may wonder as to which lender might sanction a loan at such a juncture! Much to your surprise, you can avail instant personal loans immediately. They are processed very fast, say within 24 hours. You can use these loans for any personal need of yours. You also have the choice to apply for this loan online. Yes, within the comfort of your home, you can apply for this loan and save yourself of all the hassles which you might have to go through otherwise.If you are wondering whether you are getting a fair deal on your loan, then you can go for the compare personal loans. Compare personal loans can save a substantial amount of money and also offer a better rate of interest. You can benefit from this loan type if you have a good credit history. In the absence of a good credit history, you will be charged slightly higher interest rate.You can check online too for a better deal on compare personal loans. These loans are approved faster and save your valuable time too!
States; If he approve he shall sign it, but if not he shall return it, with his Objections to that House in which it shall have originated, who shall enter the Objections at large on their Journal, and proceed to reconsider it. If after such Reconsideration two thirds of that House shall agree to pass the Bill, it shall be sent, together with the Objections, to the other House, by which it shall likewise be reconsidered, and if approved by two thirds of that House, it shall become a Law. But in all such Cases the Votes of both Houses shall be determined by yeas and Nays, and the Names of the Persons voting for and against the Bill shall be entered on the Journal of each House respectively. If any Bill shall not be returned by the PreAre you worried about how to finance your personal needs because you have been unsuccessful in availing loans? Owing to bad credit or some other reason, your loan applications may have been turned down. Don’t worry! We will help you out. Whatever be your need – consolidate debts, buy a car, renovate home, finance education, go on holiday, you can easily meet all the requirements! Your bad credit history too is not a deterrent to apply for a personal loan.Personal loans come in two forms – secured and unsecured. Based upon the borrower’s financial status and need, any one of the loan can be availed. A secured personal loan can be availed by pledging a security as collateral. The security can be anything like hose, car, jewellery, etc. You can also look forward to a big loan amount with a low rate of interest. However, the loan duration is quite long.For an unsecured personal loan, you don’t have to pledge anything as security. Due to this it carries a higher rate of interest and comes with shorter repayment duration. Unsecured loans prove to be a good option for those who don’t want to risk their property or are not sound financially.Instant Personal Loans – Meet Your Urgent Needs Now!There are times when you might need money urgently at a very short notice but are running out of cash. You may wonder as to which lender might sanction a loan at such a juncture! Much to your surprise, you can avail instant personal loans immediately. They are processed very fast, say within 24 hours. You can use these loans for any personal need of yours. You also have the choice to apply for this loan online. Yes, within the comfort of your home, you can apply for this loan and save yourself of all the hassles which you might have to go through otherwise.If you are wondering whether you are getting a fair deal on your loan, then you can go for the compare personal loans. Compare personal loans can save a substantial amount of money and also offer a better rate of interest. You can benefit from this loan type if you have a good credit history. In the absence of a good credit history, you will be charged slightly higher interest rate.You can check online too for a better deal on compare personal loans. These loans are approved faster and save your valuable time too!
Getting the Most Out of Your Home Equity
Your home can serve as a source of cash. You never know when time comes when you will need cash to pay off a personal debt, to improve your home, to pay for college tuition or to pay medical bills.There are different ways to go about getting the cash. You could use your home for a home equity loan where you use your home as collateral to borrow money and pay a steady amount with consistent interest rates at a predetermined time span. You may also use lines of credit and pay varying amounts depending on what you have already paid off your outstanding balance.Both home equity loans and lines of credit offer lower interest rates than first mortgages and are tax-deductible. That is why these have been the preferred modes of borrowing cash.Another way is through refinancing, which is discussed here more comprehensively, as it turns out to be more advantageous for a lot of people. This is similar to home equity loans because you also use your equity to obtain cash. The difference is that with refinancing, you totally pay off your first mortgage and you get cash as well, while in home equity loans, you remain in the same debt payment terms as before.Refinancing has been the best option for others where the client refinances the first mortgage by making another loan and receives an amount equivalent to the difference between his old debt and new debt before it is foreclosed.“Cash-out refinancing” is applicable when there is a drop in mortgage rates and a surge in the value of properties.As an example, your house cost $150,000 when you bought it a few years ago and have paid of $40,000, you now owe only $110,000. However, the value of your home has doubled to $300,000 since then. You can now go for cash-out refinancing for $200,000 and pay-off the $110,000 that you owe and have $90,000 in cash. This is only advantageous for you if you could afford paying off a $200,000-loan.This is highly beneficial when mortgage rates have fallen since your first mortgage and now you will get a lower rate for refinancing. Interest rates will be lower accompanied by lower monthly payments.Using home equity loan rates or refinance for various plans and investments is always considered a low risk loan for the loan companies and this is why you will face relatively low interest rates and many tax benefits, this is also a r
sideration two thirds of that House shall agree to pass the Bill, it shall be sent, together with the Objections, to the other House, by which it shall likewise be reconsidered, and if approved by two thirds of that House, it shall become a Law. But in all such Cases the Votes of both Houses shall be determined by yeas and Nays, and the Names of the Persons voting for and against the Bill shall be entered on the Journal of each House respectively. If any Bill shall not be returned by the PreYour home can serve as a source of cash. You never know when time comes when you will need cash to pay off a personal debt, to improve your home, to pay for college tuition or to pay medical bills.There are different ways to go about getting the cash. You could use your home for a home equity loan where you use your home as collateral to borrow money and pay a steady amount with consistent interest rates at a predetermined time span. You may also use lines of credit and pay varying amounts depending on what you have already paid off your outstanding balance.Both home equity loans and lines of credit offer lower interest rates than first mortgages and are tax-deductible. That is why these have been the preferred modes of borrowing cash.Another way is through refinancing, which is discussed here more comprehensively, as it turns out to be more advantageous for a lot of people. This is similar to home equity loans because you also use your equity to obtain cash. The difference is that with refinancing, you totally pay off your first mortgage and you get cash as well, while in home equity loans, you remain in the same debt payment terms as before.Refinancing has been the best option for others where the client refinances the first mortgage by making another loan and receives an amount equivalent to the difference between his old debt and new debt before it is foreclosed.“Cash-out refinancing” is applicable when there is a drop in mortgage rates and a surge in the value of properties.As an example, your house cost $150,000 when you bought it a few years ago and have paid of $40,000, you now owe only $110,000. However, the value of your home has doubled to $300,000 since then. You can now go for cash-out refinancing for $200,000 and pay-off the $110,000 that you owe and have $90,000 in cash. This is only advantageous for you if you could afford paying off a $200,000-loan.This is highly beneficial when mortgage rates have fallen since your first mortgage and now you will get a lower rate for refinancing. Interest rates will be lower accompanied by lower monthly payments.Using home equity loan rates or refinance for various plans and investments is always considered a low risk loan for the loan companies and this is why you will face relatively low interest rates and many tax benefits, this is also a r
Life Insurance - When You Are Gone
Immortality is no big deal. Just imagine getting up on a Monday morning 52 times a year for the rest of eternity. Really only two advantages of eternal life spring to mind – you could start reading ‘War & Peace’ and know that you would have time to finish it, and you wouldn’t need life insurance. However, as mere mortals, maybe we shouldn’t start on a very long book and we should take out life insurance, because we none of us know just how long we have got.Not particularly cheerful advice, but very practical. Can you really face the idea of departing this life and leaving behind little more than the memory of you? If you have family or other dependants, it is vital that you provide for their futures especially if you are the main breadwinner. The trauma of the loss would be quite enough for anyone to cope with, without having to worry about how they are going to manage financially, and maybe even contemplate the loss of their home.So if you haven’t got adequate life cover or perhaps have no life insurance of any sort, you should take action to correct that situation without delay. Perhaps you have considered it and perhaps you have even had a look at what is available, and then put off doing anything about it because there are too many options and it is difficult to know which to opt for. This is absolutely understandable because there are so many variations that anyone could be forgiven for being confused – but procrastination will not put food on the table for your dependents when you are gone.So you need information. The following is a general guide to what is available, which should enable you to decide more or less which types of cover may be best suited to your needs. The fine detail is avoided because that is best left to the experts, whom you should be able to approach with a rough idea of what you are looking for, and equally important, which types would not be suited to your needs.Term insurance in one of its forms is likely to meet most needs. Its name indicates that it provides cover for a period which is agreed between the company providing the policy and the insured individual. At the end of that term all cover ceases and there is no cash value remaining. Payment against the policy will usually be in the form of a lump sum on the death of the insured.There are a variety of different forms of cover available under the umbrella name of term insurance,
t in all such Cases the Votes of both Houses shall be determined by yeas and Nays, and the Names of the Persons voting for and against the Bill shall be entered on the Journal of each House respectively. If any Bill shall not be returned by the President within ten Days (Sundays excepted) after it shall have been presented to him, the Same shall be a Law, in like Manner as if he had signed it, unless the Congress by their Adjournment prevent its Return, in which Case it shall not be a Law.Immortality is no big deal. Just imagine getting up on a Monday morning 52 times a year for the rest of eternity. Really only two advantages of eternal life spring to mind – you could start reading ‘War & Peace’ and know that you would have time to finish it, and you wouldn’t need life insurance. However, as mere mortals, maybe we shouldn’t start on a very long book and we should take out life insurance, because we none of us know just how long we have got.Not particularly cheerful advice, but very practical. Can you really face the idea of departing this life and leaving behind little more than the memory of you? If you have family or other dependants, it is vital that you provide for their futures especially if you are the main breadwinner. The trauma of the loss would be quite enough for anyone to cope with, without having to worry about how they are going to manage financially, and maybe even contemplate the loss of their home.So if you haven’t got adequate life cover or perhaps have no life insurance of any sort, you should take action to correct that situation without delay. Perhaps you have considered it and perhaps you have even had a look at what is available, and then put off doing anything about it because there are too many options and it is difficult to know which to opt for. This is absolutely understandable because there are so many variations that anyone could be forgiven for being confused – but procrastination will not put food on the table for your dependents when you are gone.So you need information. The following is a general guide to what is available, which should enable you to decide more or less which types of cover may be best suited to your needs. The fine detail is avoided because that is best left to the experts, whom you should be able to approach with a rough idea of what you are looking for, and equally important, which types would not be suited to your needs.Term insurance in one of its forms is likely to meet most needs. Its name indicates that it provides cover for a period which is agreed between the company providing the policy and the insured individual. At the end of that term all cover ceases and there is no cash value remaining. Payment against the policy will usually be in the form of a lump sum on the death of the insured.There are a variety of different forms of cover available under the umbrella name of term insurance,
The President must sign any bill passed by the House and the Senate. If he (or she) doesn’t like it, he/she can send it back to where it originated (the House or the Senate) with his/her objections; this is called a veto. The House enters the objections in the official record, and can, if willing debate the objections. If the House does not like the objections of the President, they can over ride the President’s veto with 2/3rds.
Clause 3: Every Order, Resolution, or Vote to which the Concurrence of the Senate and House of Representatives may be necessary (except on a question of Adjournment) shall be presented to the President of the United States; and before the Same shall take Effect, shall be approved by him, or being di
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