...Tiny termites can create big problems for homeowners. These little pests burrow deep into wood or soil, building colonies and eventually destroying any structure they touch. The residential pest control professionals at Guarantee Pest Control, Inc, in Lexington, KY, have experienced firsthand the damage termites can leave behind. Now for the good news: much of that damage can be prevented, if caught early. Termites There are several warning signs that could indicate a termite infestation in your home. Termites are more visible as the bugs leave their nests in the spring and summer months. You may notice little piles of what appears to be sawdust but are actually termite droppings, discarded wings and mud tubes along the wall or on your foundation....
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...------------------------------------------------- Top of Form | | | | | INDIVIDUAL FEEDBACK REPORT | | | | | Test Form: | National Real Estate Broker Multiple-Choice Self-Assessment Examination | ID: | | Name: | | Finish Date: | 5/21/2013 10:41 AM Eastern Daylight Time | Points: | 6 of 100 | | | √ | 1. | A licensee was showing property in an eight-unit complex to a prospective tenant using a motorized wheelchair. The tenant wanted to rent a unit, install grab bars in the bathroom, and lower all the door handles. The landlord | | | A. | | | can allow the tenant to make these modifications and pay for them to be made. | | | B. | | | can refuse to rent to the individual because it would devalue the property. | | | C. | | | must allow the tenant, at the tenant's expense, to make the modifications, but cannot require restoration at the end of the lease. | | | D. | √ | | must allow the tenant to make the modifications at the tenant's expense, but can require, by the terms of the lease, restoration of the property. | | | | | | The 1988 Amendments to the Federal Fair Housing Act require that a landlord allow a tenant to make changes to the property to accommodate a disability. These modifications are at the tenant's expense, and the landlord can require the tenant make reasonable restoration to the property at the end of the lease. | | | | √ | 2. | Which...
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...RE 310 Real Estate Practice Second 8 Week Course Spring 2012 Online Course Outline (Syllabus) Instructor: Patrick J. Hogarty Office: B 212 Office Hours: Online Office Hour Mon 1:00 - 2:00 p.m. On Campus Office Hours Tue 4:30 – 6:00 p.m., Thurs 4:30 – 6:00 p.m. Wed 4:30 – 5:30 p.m. Office Phone: (916) 558-2314 Extension: N/A Email: hogartp@scc.losrios.edu Special Note: Email is the best method for contacting me. Normally, I check my email several times a day and often-on weekends. Required Text: Huber, Walt, California Real Estate Practice, 5 th or 6 th Edition Optional Video DVD Set: See information about this optional DVD set under the heading of Course Requirements/Assignments Class Schedule: Students can watch lectures on Cable Television, view lectures over the internet, or watch lectures using DVD set available thru the college bookstore. You must have a DVD player in your computer (you cannot watch them using a television DVD player). Units: 3 Credit units Prerequisite: None Acceptable for credit: CSU Course Description This course covers operations in real estate: listing, prospecting, advertising, financing, sales techniques, escrow and ethics. This course is required by the California Department of Real Estate prior to taking the real estate salesperson’s examination. Learning Outcomes and Objectives: Upon completion of this course, the student will be able to: develop a practical approach to real estate. develop...
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...Veterans Housing Assistance Program (VHAP) Program Bulletin Texas Veterans Land Board CitiMortgage Program Administrator Bulletin#12-02 | July 26, 2012 New Construction We are pleased to announce effective July 26, 2012, the Texas Veterans Land Board (VLB) will allow for an alternative energy efficiency rating to our ENERGY STAR® requirement. All new construction homes must now meet: 1. The Environmental Protection Agency's (EPA) guidelines for ENERGY STAR® qualified homes, and must be ENERGY STAR® labeled and certified; OR 2. A HERS Index Score of 75 or less following the RESNET National Home Energy Rating Standards and must have an energy rating Certificate that documents the HERS Index score of 75 or less. Additionally, the VLB will no longer require the Energy Star Affidavit. A copy of the certificate is still required and must be included in the closed loan file. All loans purchased on or after July 26th will be eligible for the alternative rating. Questions or comments regarding this Bulletin may be directed to our group email box spa.dallas@citi.com. © 2012 CitiMortgage, Inc. First mortgage loans are originated by Citibank, N.A. First mortgage loans are serviced by CitiMortgage, Inc. CitiMortgage does business as Citicorp Mortgage in New Mexico. CitiMortgage, Inc. is an equal housing lender. Citi, Citi with the arc design, and CitiMortgage are registered service marks of Citigroup, Inc. Veterans Housing Assistance Program (VHAP) Program Bulletin Texas Veterans...
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...STANDARD FREEDOM COUNTY CONTRACT 3/97 ©Copyright 1997 Freedom County Bar Association, Inc. All Rights Reserved. (Any change in the text without authorization shall constitute copyright infringement under the Copyright Act of the United States.) THIS CONTRACT FORM HAS BEEN APPROVED BY THE FREEDOM COUNTY BAR ASSOCIATION AND THE FREEDOM COUNTY BOARD OF REALTORS. ATTORNEY APPROVAL: This Contract is contingent upon PURCHASER and SELLER obtaining approval of this Contract by their respective attorneys as to all matters contained herein. This contingency shall be deemed waived unless PURCHASER'S or SELLER'S attorney on behalf of their client notifies the other party or that party's attorney in writing by facsimile or certified mail of their disapproval of this Contract, no later than five (5) business days after this Contract has been signed by both SELLER and PURCHASER. If PURCHASER'S or SELLER'S attorney provides such notification, then this Contract shall be deemed cancelled, null and void, and all deposits or Downpayment shall be returned in full to PURCHASER. In the event the premises herein consist of a condominium unit or is part of a homeowners association/PUD the review period provided for herein shall be eight (8) business days. I T I S ESSENTI AL THAT Y OU CONSULT Y OUR ATTORNEY WI THI N THE REV I EW PERI OD. Contract of Sale WARNING: NO REPRESENTATION IS MADE THAT THIS FORM OF CONTRACT FOR THE SALE AND PURCHASE OF REAL ESTATE COMPLIES WITH...
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...Introduction The conclusion of the real estate transaction is the closing, the culmination of many efforts—finding clients, negotiating offers, solving problems, coordinating inspections, and much more. At the closing, title to the real estate is transferred in exchange for payment of the purchase price. It's also a complicated time because until closing preparations begin, the licensee's relationship is primarily with the buyer or the seller. During the closing period, new players come on the scene: appraisers, inspectors, loan officers, insurance agents, and lawyers. Negotiations continue, sometimes right up until the property is finally transferred. A thorough knowledge of the process is the best defense against the risk of a transaction failing. Key Terms • accrued items • closing • closing statement • computerized loan origination (CLO) • controlled business arrangement (CBA) • credit • debit • escrow accounts • escrow closing • Good Faith Estimate (GFE) • impound accounts • Mortgage Disclosure Improvement Act (MDIA) • prepaid items • prorations • Real Estate Settlement Procedures Act (RESPA) • survey • Uniform Settlement Statement (HUD-1) Learning Objective After successfully completing this topic, you will be able to describe the process involved and the issues that may concern both the buyer and the seller to comply with the requirements of both parties and allow a conveyance of...
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...NACA QUALIFICATION CRITERIA The NACA Mortgage is our answer to the huge sub-prime and predatory lending industry. NACA has conclusively shown that when working people get the benefit of a prime rate loan, they can resolve their financial problems, make their mortgage payments and become prime borrowers. NACA’s track-record of helping homebuyers with credit problems become homeowners debunks the myth that high rates and fees are necessary to compensate for their “credit risk.” NACA’s mission is to make homeownership available on the best terms for Members who would otherwise be prevented from obtaining an affordable mortgage. NACA is open to everyone regardless of their income or where they want to live as long as they adhere to our eligibility requirements, policies, and procedures. The real estate and mortgage industries are filled with bad actors who contribute to the destabilization of our communities and the exploitation of working people. As an alternative to these predatory practices, we will work with you for as long as it takes to purchase a home, and we will support you for as long as you have your NACA Mortgage. The NACA Qualification, which is required for a NACA Mortgage, is an extensive analysis of your finances to determine whether you are ready for homeownership and what monthly mortgage payment you can comfortably afford. Depending on your situation, this process can take one session, several months, or longer. NACA will work with you for as long as it takes to...
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...ENVIRONMENTAL LAW PRIVATE REMEDIES Civil Law * written codes which rely on statutory material, traditions * Judges has small role Common Law * Based on customs of the areas, precedents * Judge made law – cases decided by judge US * Mostly statutory, but judges are important * Interpret statues * Judge decides if not codified * Criminal – against State * Civil – all other Environmental Law not very effective if using private remedies PRIVATE REMEDIES | GOOD | BAD | Develop theory and needs | After the fact | Push legislation | Disorganized | Day in court | Costly | Money damages | Only personal damages | Tort Law - wrongful acts vs. contract law 1. Negligence a. Duty owned b. Unreasonable act c. Personal Injury d. Ex: pesticides 2. Trespass e. Tied to property rights f. Property invasion g. Ex: dam building (H2O invasion) 3. Nuisance h. Tied to unreasonable use interfering with another’s use i. Property use damaged j. Loss of livability k. Can’t move TO a nuisance l. Standing question i. cannot sue unless suffer special damage ii. different in kind, not just degree m. Ex: smoke, sewage treatment, hog farm, airport CIVIL REMEDIES 1. Monetary damages – personal things $ can fix 2. Injunctive relief – environmental, $ can’t replace, make do something a. Negative – DON’T...
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...California EXAM PREP The SMART Guide to Passing Kor Real Estate California Real Estate Exam Prep: The SMART Guide to Passing Cengage Learning Vice President/Editor-in-Chief: Dave Shaut Executive Editor: Scott Person Acquisitions Editor: Sara Glassmeyer Senior Marketing Manager: Mark Linton Manager of Technology, Editorial: John Barans Frontlist Buyer, Manufacturing: Kevin Kluck Art Director: Bethany Casey Content Project Manager: D. Jean Buttrom Production Service: Pre-Press/PMG-India Cover Designer: Pop Design Works, www.popdesignworks.com Cover Images: © Getty Images © 2009 Cengage Learning ALL RIGHTS RESERVED. No part of this work covered by the copyright hereon may be reproduced or used in any form or by any means—graphic, electronic, or mechanical, including photocopying, recording, taping, Web distribution, information storage and retrieval systems, or in any other manner—except as may be permitted by the license terms herein. For product information and technology assistance, contact us at Cengage Learning Customer & Sales Support, 1-800-354-9706 For permission to use material from this text or product, submit all requests online at www.cengage.com/permissions Further permissions questions can be emailed to permissionrequest@cengage.com Library of Congress Control Number: 2008926512 Student Edition ISBN 13: 978-0-324-64498-2 Student Edition ISBN 10: 0-324-64498-1 Student Edition with CD ISBN 13: 978-0-324-64497-5 Student Edition with CD ISBN 10: 0-324-64497-3...
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...GREEN BUILDING GUIDE Design Techniques, Construction Practices & Materials for Affordable Housing RCAC GREEN BUILDING GUIDE Design Techniques, Construction Practices & Materials for Affordable Housing Principal Author Craig Nielson, LEED AP Rural Community Assistance Corporation Co-authors Connie Baker Wolfe Rural Community Assistance Corporation Dave Conine Rural Community Assistance Corporation Contributor Art Seavey Rural Community Assistance Corporation Design Dave Conine Sharon Wills Rural Community Assistance Corporation Managing Editor and Production Sharon Wills RCAC Corporate Office: 3120 Freeboard Drive, Suite 201, West Sacramento, California 95691 916/447-2854 | 916/447-2878 fax | www.rcac.org Published by Rural Community Assistance Corporation (RCAC), a nonprofit organization dedicated to assisting rural communities achieve their goals and visions by providing training, technical assistance and access to resources. RCAC promotes quality, respect, integrity, cooperation and commitment in our work. Copyright © 2009 RCAC. All rights reserved. For reprint permission, please call 916/447-2854. Disclaimer: The material in this document has been reviewed by RCAC and approved for publication. The views expressed by individual authors, however, are their own and do not necessarily reflect those of RCAC. Trade names, products or services do not convey, and should not be interpreted as conveying, RCAC approval, endorsement or recommendation...
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...unit 1 Water cycle The water cycle, also known as the hydrologic cycle, describes the continuous movement of water on, above and below the surface of the Earth. Since the water cycle is truly a "cycle," there is no beginning or end. Water can change states among liquid, vapor, and ice at various places in the water cycle. Although the balance of water on Earth remains fairly constant over time, individual water molecules can come and go. Contents Description The sun, which drives the water cycle, heats water in the oceans. Water evaporates as vapor into the air. Ice and snow can sublimate directly into water vapor. Evapotranspiration is water transpired from plants and evaporated from the soil. Rising air currents take the vapor up into the atmosphere where cooler temperatures cause it to condense into clouds. Air currents move clouds around the globe, cloud particles collide, grow, and fall out of the sky as precipitation. Some precipitation falls as snow and can accumulate as ice caps and glaciers, which can store frozen water for thousands of years. Snowpacks can thaw and melt, and the melted water flows over land as snowmelt. Most precipitation falls back into the oceans or onto land, where the precipitation flows over the ground as surface runoff. A portion of runoff enters rivers in valleys in the landscape, with streamflow moving water towards the oceans. Runoff and groundwater are stored as freshwater in lakes. Not all runoff flows into rivers. Much of it soaks...
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...CPA QUESTIONS CHAPTER 3 1. For “qualifying widow(er)” filing status, which of the following requirements must be met? I. The surviving spouse does not remarry before the end of the current year II. The surviving spouse was eligible to file a joint tax return in the year of the spouse’s death III. The surviving spouse maintains the cost of the principal residence for six months. A. I, II, and III B. I and II, but not III C. I and III, but not II D. I only A. Incorrect. A taxpayer may file a tax return as a qualifying widow or widower for 2 tax years after the year in which a spouse dies provided the couple qualified to file a joint return for the year of death; that the taxpayer provided over 50% of the cost of maintaining the principal residence of a dependent child or stepchild; and that the taxpayer has not remarried as of the end of the current year. Maintaining the cost of the taxpayer’s principal residence for six months is not sufficient. B. Correct! A taxpayer may file a tax return as a qualifying widow or widower for 2 tax years after the year in which a spouse dies provided the couple qualified to file a joint return for the year of death; that the taxpayer provided over 50% of the cost of maintaining the principal residence of a dependent child or stepchild; and that the taxpayer has not remarried as of the end of the current year. Maintaining the cost of the taxpayer’s principal residence for six months...
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...The 2012 The Cathedral & John Connon Alumni Magazine Founders’ Day Brunch 2011 EVENTS Rumble in the Jungle OFF THE SHELF Amish Tripathi and Akash Shah OUT OF THE BOX Dhanya Pilo Contents 9 President’s Message Events Founders’ Day 2011 Rumble in the Jungle Memories and Mayhem School Update Summer School Spotlight Keshav Desiraju Sudha Shah Off the Shelf Amish Tripathi and Akash Shah Out of the Box Vijaya Pastala Dhanya Pilo Nostalgia Reunions First Citizen In Memoriam Mrs. Irene Saldanha Mr. Anthony Dias Class Notes The Quiz 2 5 7 9 10 13 15 17 18 21 22 25 27 29 31 33 36 68 15 13 18 Editorial Team Udita Jhunjhunwala (ICSE 1984) Miel Sahgal (ISC 1989) Shyla Boga Patel (ISC 1969) Mukeeta Jhaveri (ISC 1983) Mitali Anand Kalra (ISC 1989) Business Rohita Chaganlal Doshi (ISC 1975) Editorial support, Design and Printing 22 Kirtana Shetty Minaal Pednekar and Nikunj Parikh Spenta Multimedia This magazine is not for sale and is intended for internal circulation only. Any material from this magazine may not be reproduced in part or whole without written consent. Views and opinions expressed in this magazine are those of the individual authors and not necessarily those of the Publishers. Published by The Cathedral and John Connon Alumni Association, 6, P.T. Marg, Mumbai 400 001 and printed at Spenta Multimedia, Peninsula Spenta, Mathuradas Mill Compound, Lower Parel, Mumbai 400 013. www.spentamultimedia.com 21 36 Special...
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...onaryDictionary of Ònìchà Igbo 2nd edition of the Igbo dictionary, Kay Williamson, Ethiope Press, 1972. Kay Williamson (†) This version prepared and edited by Roger Blench Roger Blench Mallam Dendo 8, Guest Road Cambridge CB1 2AL United Kingdom Voice/ Fax. 0044-(0)1223-560687 Mobile worldwide (00-44)-(0)7967-696804 E-mail R.Blench@odi.org.uk http://www.rogerblench.info/RBOP.htm To whom all correspondence should be addressed. This printout: November 16, 2006 TABLE OF CONTENTS Abbreviations: ................................................................................................................................................. 2 Editor’s Preface............................................................................................................................................... 1 Editor’s note: The Echeruo (1997) and Igwe (1999) Igbo dictionaries ...................................................... 2 INTRODUCTION........................................................................................................................................... 4 1. Earlier lexicographical work on Igbo........................................................................................................ 4 2. The development of the present work ....................................................................................................... 6 3. Onitsha Igbo ...................................................................................................
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...NATIONAL INSTITUTE OF TECHNOLOGY SILCHAR Bachelor of Technology Programmes amï´>r¶ JH$s g§ñWmZ, m¡Úmo{ à VO o pñ Vw dZ m dY r V ‘ ñ Syllabi and Regulations for Undergraduate PROGRAMME OF STUDY (wef 2012 entry batch) Ma {gb Course Structure for B.Tech (4years, 8 Semester Course) Civil Engineering ( to be applicable from 2012 entry batch onwards) Course No CH-1101 /PH-1101 EE-1101 MA-1101 CE-1101 HS-1101 CH-1111 /PH-1111 ME-1111 Course Name Semester-1 Chemistry/Physics Basic Electrical Engineering Mathematics-I Engineering Graphics Communication Skills Chemistry/Physics Laboratory Workshop Physical Training-I NCC/NSO/NSS L 3 3 3 1 3 0 0 0 0 13 T 1 0 1 0 0 0 0 0 0 2 1 1 1 1 0 0 0 0 4 1 1 0 0 0 0 0 0 2 0 0 0 0 P 0 0 0 3 0 2 3 2 2 8 0 0 0 0 0 2 2 2 2 0 0 0 0 0 2 2 2 6 0 0 8 2 C 8 6 8 5 6 2 3 0 0 38 8 8 8 8 6 2 0 0 40 8 8 6 6 6 2 2 2 40 6 6 8 2 Course No EC-1101 CS-1101 MA-1102 ME-1101 PH-1101/ CH-1101 CS-1111 EE-1111 PH-1111/ CH-1111 Course Name Semester-2 Basic Electronics Introduction to Computing Mathematics-II Engineering Mechanics Physics/Chemistry Computing Laboratory Electrical Science Laboratory Physics/Chemistry Laboratory Physical Training –II NCC/NSO/NSS Semester-4 Structural Analysis-I Hydraulics Environmental Engg-I Structural Design-I Managerial Economics Engg. Geology Laboratory Hydraulics Laboratory Physical Training-IV NCC/NSO/NSS Semester-6 Structural Design-II Structural Analysis-III Foundation Engineering Transportation Engineering-II Hydrology &Flood...
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