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2 weeks ago

Should I Buy an Investment Property?

You may be interested in buying you could try this out an investment property if you want to diversify your holdings beyond stocks and bonds. While stories of quick flips--buying a home, renovating it, and reselling at a much higher price--dominate TV reality shows, renting is the true core of real estate investing. That's because historically there has been very little my link real price appreciation in houses. Renting generates a steady monthly paycheck, like a classic dividend-paying utility stock. Any price appreciation is a bonus.

But investing in a rental home isn't like buying a low-cost index fund. Choosing the right property, maintaining it, dealing with tenants--all that takes work. Think hard about whether you're prepared to put in the time. Can you handle after-hours calls? What if your tenant doesn't pay rent?

Calculator: How much home can I afford?

Veteran real estate investor Leonard Baron says landlords ought to be handy and like fixing things. He also cautions people who are already juggling 60-hour jobs with kids to be wary. "Things may go well with your properties and you might not have too many issues, but that's the exception, not the norm," he says. Baron also suggests anyone considering getting into the rental business make sure they have enough savings to handle unexpected repairs early on, before the rent checks start coming in.

Even though home prices have bounced back, deals can be found--if you're careful. Underestimating the costs of renovation and ongoing maintenance, the biggest rookie mistake, can quickly tank your returns.

Before you take the plunge, do your homework. Investor website BiggerPockets offers a helpful (and free) guide for first-timers here.

3 weeks ago

Legal :: Navigating Criminal Misdemeanor Prosecutions in Rhode Island by a RI Criminal Law Attorney (Page 7 of 7)

DUI / Drunk Driving charges

In Rhode Island, any plea to drunk driving, driving under the influence, DUI/ DWI is a conviction under Rhode Island law. A breathalyzer refusal plea of guilty or "admitting to sufficient facts" is not a criminal conviction because a breathalyzer refusal is a civil case.


Rhode Island Liberal Expungement Policy & Background Information:

Rhode Island (RI) has some of the most liberal expungement laws in the United States. If you are eligible for an expungement, why not get those menacing and harmful criminal records erased, sealed or destroyed! If a criminal record is expunged you are legally allowed to tell others

3 weeks ago

Pain Management - Chronic Illness or Injury

Pain Treatment Without Drugs

Pain management does offer some other ways of treating chronic pain without the use of or in addition to the use of drugs

Guided imagery has been scientifically proven to reduce pain levels. You simply identify a calm peaceful place and use the imagination to transport the body to this place with practice will alleviate the severity of chronic pain. The pain impulses are reduced when you use guided imagery to build new pathways in the brain.

There are nutritional and herbal remedies that are very effective. Pain causing inflammation and insomnia is often diet related and the following diet changes should give you relief.

Omega -3 fatty acids, found in fish and flax seed can reduce inflammation.

Ginger can inhibit pain causing molecules.

MSM is a nutrient that enhances the building of bone and cartilage and you will often see it in combination with Glucosamine and Chrondoitin.

Tumeric is used to reduce inflammation.

Olive oil, fish, leafy vegetables, and whole grains are important ingredients as well.

Massage relaxes knotted muscles and increases circulation which releases chronic tension.

Chiropractic therapy physically moves the joints into proper alignment to remove stress.

Depression, anxiety and fear can worsen pain, and they often accompany chronic illness. It is helpful to have someone to talk to about the fears or to get professional help if necessary.

Aromatherapy may be useful and essential oils can relive arthritis pain. You can also get sinus relief with essential oils. Some people use magnet therapy for pain relief. Certainly acupuncture is used for many pain related problems.

Weight loss, if that is a problem for the patient, will cut down on chronic pain in lower joints.

Chronic Pain Summary

There are many types of homeopathic remedies available, but you need to be careful as there are some charlatans and you don't always get what you pay for. Check references if you have any doubts as sometimes we make decisions out of desperation.

Learn everything you can about your illness and make sure you are seeing the right type of doctor. It is preferable to see a rheumatologist for autoimmune diseases than a family practitioner as their training is specific to those diseases. Get enough rest, eat healthy, exercise and try to keep your stress level low if chiropractor meaning possible for the best chance at regaining good health.

4 weeks ago

Make the most of the Fall with Seasonal Decorating, Home Improvement Ideas and Real Estate Advice from Scripps Networks’ Home Websites

KNOXVILLE, Tenn.--(BUSINESS WIRE)--Since the fall season is catch-up time for all things inside, outside

and around your home, Scripps Networks' home sites have partnered to

create an ultimate destination for tips and projects for the season,

including weekend projects, buying and selling insider advice,

budget-friendly decorating ideas, autumn gardening -- even ways to create

your own entertainment room to enjoy the football season!

Hundreds of handy activities, including articles and videos, are housed

on the four home-related websites for Scripps Networks --,,


Visit these sites for this fall's guide for the perfect autumn abode.

Here's a highlight of what the sites have to offer:'s Weekend Projects

Browse dozens of photos and videos of fun and fabulous fall step-by-step

projects for $100 or less, from installing headboards and faux crown

molding to ceiling medallions and radiator covers.

Outdoor Retreats shares groundbreaking

ideas and how-to steps for creating backyard escapes and front yard

retreats for you to enjoy this fall, including all the latest in outdoor

lighting, backyard entertaining and deck building.

Budget-Savvy house remodeling cost Bathrooms

This fall, find great buys for your bathroom on a small budget. Visit's Smart

Chic Bathrooms feature for how-to's, bathroom makeover photos,

budget-friendly items and a cool quiz to test your bargain buying skills.

Winterize your home

Stop the leaks and lower your energy bill with sealing and insulation

techniques from HGTVPro.

Also, get great tips for preparing your lawn for the coming winter and

inspecting your fireplace from

Buying or selling?

By the holiday season, real estate deals disappear -- as do interested

buyers. Make your move now, with's best buying

and selling tips for fall.

Paint & Color Guides

Learn how to paint like a pro, including the hottest color combos for

your bathroom, bedroom and kitchen, as well as's tips

and techniques on how to add character to your walls.

Fall Gardening

For lots of great tips on how to maintain your fleur for the fall, check

out's Fall

Gardening Guide. Watch short videos on what to plant, how to plant

it and steps for proper care of your garden.

About Scripps Networks Digital

Scripps Networks Digital is a diversified multi-platform programmer that

delights home improvement millions daily with award-winning content in the home, food and

living categories. SN Digital's websites --,,,,,,,; and the newest -- are powered by engaging

content, interactive tools and social spaces that take fans of Scripps

Networks cable brands further into the story and offer online users

information and inspiration to fuel their passions. SN Digital also

distributes content to mobile and online partners, providing lifestyle

solutions virtually anywhere, anytime.

1 month ago

Legal aid breakthrough (in child custody case).

Do divorce law you have the right to a lawyer if the provincial government

attempts to take custody of your children?

The Supreme Court of Canada has given a qualified "Yes,

maybe" in New Brunswick (Minister of Health and Community Services)

v. G. (J.) which confirmed that the New Brunswick government was under a

constitutional obligation to provide the mother with a state-funded

lawyer in the circumstances.

The mother had three young children. The children had been placed

in the care of the Minister of Healt

1 month ago

Buying Old Property In France

Why Should You Buy An Old Property In France?

Old houses in the French countryside are very affordable. You can have a larger property for less than the cost of an average sized property back in the UK. Because the younger generations are moving away from their villages there are not many people buying countryside houses in remote areas so the owners are more likely to sell for a lower price. Also, prices have fallen since the recession in 2008.

Another thing to consider is the cost of living. Daily expenses are less compared to the UK. Good quality food is, on the whole, cheaper. Wine is almost given away for free, and utility bills can be considerably less expensive.

1 month ago

Real Estate Short Sale Definition

What is a 'Real Estate Short Sale'

A real estate short sale is any sale of real estate that generates proceeds that are less than the amount owed on the property. A real estate short sale occurs when a lender and borrower decide that selling a piece of property, thereby absorbing a moderate loss, is preferable to having the borrower default on the loan. It is therefore an alternative to foreclosure, and it helps a borrower avoid having a foreclosure appear on his credit report.

BREAKING DOWN 'Real Estate Short Sale'

A short sale, also known as a pre-foreclosure sale, is the act of selling a home or other type of property for less than the amount that the current owner owes his lending institution. A short sale is only possible if all parties involved, including those who are owed money, agree to take less than the outstanding obligation. Sales of this type are therefore slow and are known to fall through fairly often.

A short sale is often as good for the buyer of a property than it is for the seller of the property. Sellers who choose to list their property in a short sale are normally in financial distress and need a way to sell property prior to foreclosure. This type of sale protects a seller's credit somewhat. Conversely, buyers in a short sale benefit through a reduction in closing costs and other fees.

An example of this would be if borrower has a mortgage with an outstanding principal of $250,000 and a home value of $200,000. If he decides to sell the property, it would sell for less than the mortgage amount, and would be considered a short sale. The difference of $50,000, minus closing costs and other costs of selling, is considered the deficiency. The lending institution is paid the difference between the mortgage value and the deficiency.

Things to Know About a Short Sale

Even though a short sale hurts a person's credit score less than a foreclosure, it is still a negative mark on credit. Any type of property sale that is denoted by a credit company as "not paid as agreed" is a ding on a credit score. Therefore, short sales, foreclosures and deeds-in-lieu of foreclosure all negatively impact a person's credit.

Short sales don't always negate the remaining mortgage debt after a property is sold. This is because there are two parts to all mortgages: a promise to repay the lender and a lien against the property used to secure the loan. The lien protects the lender in case a borrower can't repay the loan. It gives the lending institution the right to visit their website sell the property for repayment. This part of the mortgage is waived in a short sale.

The second part of the mortgage is the promise to repay, and lenders can still enforce this portion, either through a new note or through the collection of the deficiency. Regardless, lending institutions must approve the short sale, and borrowers are sometimes at their whim.