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Mojo97 · Dołączył: 03 Maj 2007 Posty: 2 Przeczytał: 0 tematów

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Author's Bio:&nbsp,[link widoczny dla zalogowanych];
By Rowan Smith
See all Articles by Rowan SmithGet Updates on Mortgage and Home FinancingGet Updates on Rowan Smith Average: 0 Your rating: None Tweet
Hey everybody,[link widoczny dla zalogowanych], I want to talk to you today about past grow-ops. At the Mortgage Centre we’ve been taking a lot of calls. Given our area in BC, sooner or later, every house seems like it’s going to have been a former grow op.
So what do you need to do if you are thinking of buying one,[link widoczny dla zalogowanych]?
First, if you are looking at the price and thinking,[link widoczny dla zalogowanych], “this is a fantastic deal!” There is probably a reason.
If you read the Property Condition Disclosure Statement, which is something the selling agent is to provide you, it’s a very long list of “Is the property connected to public sanitary? Is the property connected to sewage? Has it been a former grow op? Has it been a former meth lab?” All these type of questions are on the property condition disclosure statement. The selling realtor will give it to you, and you should look on there and see what they’ve said.
If they’ve said no (to it being a former grow op) but you go there and the place has been completely gutted and there is no tenant,[link widoczny dla zalogowanych], then it might be time to ask some questions and ask the inspector to have a look around if he has the time.
But if they do disclose it, and they tell you “yes it was a former grow op”, BUT the grow op was confined to the shed, or confined to one room in the basement to any bank looking at that:
1,[link widoczny dla zalogowanych]. There is now way to prove it,[link widoczny dla zalogowanych]!
2. Who cares where it was confined to?
The type of damage the banks are concerned with are:
1. Structural
2. Chemical
3. Air quality
So how do you make the banks happy?
First off, a lot of banks just won’t do it. Period. A former grow op that says it? It dies immediately. An example of this is Scotiabank. On the flip side of that, some of the smaller credit unions: Westminster, Coast Capital, and these guys, they WILL do former grow ops, but they’re going to insist on a slightly higher level of underwriting. So what I mean by that is they are going to look much harder at that property to make sure it is still solid. For certain, they are going to want a full appraisal. That’s number one. Number two, some of them, or most of them, are going to want a phase one environmental study. It’s simply air quality testing. So what they do is they go in, they take a sample of the air from the outside, a sample of the air from the room that had no grow op in it,[link widoczny dla zalogowanych], and a sample from the air from the room that had the grow op. As long as their isn’t mould or contaminants found in those samples, and typically there isn’t, unless it was a massive operation where they smacked out the walls, and had chemicals running all over the place and had high humidity and water mould running all over the place,[link widoczny dla zalogowanych], then if that’s not the case, and if it was just confined to one room; especially if it was confined to the shed,[link widoczny dla zalogowanych], or confined to one single room, then it’s not going to be a problem.
The thing is: YOU are going to have to pay for it. The buyer. And it’s probably going to take you, you know, five days to get it put together.
So if you are looking to buy former grow op, first,[link widoczny dla zalogowanych], get an extended subject removal period. You are going to need more time to get the paperwork put together. If it’s a good deal, there is probably a good reason for it.
Second, know which lender you are dealing with. Don’t expect to just walk into your bank and get approved for it. Some of the other banks, CIBC for example, will require a phase two environmental which includes drywall testing and material testing to make sure that their isn’t within the walls,[link widoczny dla zalogowanych], within the ceiling, and all this. It’s much more extensive and takes generally ten days to get the results back. A couple places will do it faster if you pay more, but NOBODY does it overnight.
So, if you’re thinking of buying a former grow op, come talk to me. It’s Rowan Smith from the Mortgage Centre. I’ve done these a ton of times, and I have a lot of experience to help guide you and avoid the heartache of finding something that is so cheap and so perfect, but you can’t get a mortgage against it.
Until next time...
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Why can't we seem to get any relief in the media from all this negative thinking,[link widoczny dla zalogowanych]? In two words - Mass Consciousness - herd thinking,[link widoczny dla zalogowanych]!
1. Stay away from the herd consciousness. Stop engaging in conversations that further the "bad news". If that means walking away from conversations at work - so be it. You can excuse yourself from the conversation by saying you need to tend to something that just crossed your mind. (Yeah, like your well-being). Tending to your well-being by not being part of negative vibrations will serve you very well.
Again, I'm not recommending that you lay down and forget about being proactive in your community and the world. I am recommending that you take your power back. Taking your power back means taking charge of your thoughts and your feelings!
Be On The Leading Edge
You Can Create and Attract the Life of Your Dreams.
Here's to Joy and Mastery!
Nanette Geiger
I'm certainly not saying that everything is running perfectly in the financial markets, the economy or government. I do know that things are running smoothly in facets of many of our lives right now. In most of our lives there are areas that are working so well,[link widoczny dla zalogowanych], you just sort of take them for granted. Stop for a minute and think - what's working really well? Let's see. . .
More importantly,[link widoczny dla zalogowanych], we talked about what you can do with the focus of your thoughts.
4,[link widoczny dla zalogowanych]. Get Relationship Advice. There are many ways to enhance your established relationships with help from a life coach,[link widoczny dla zalogowanych].
Perhaps that sounds simplistic. But maybe you just haven't been appreciative in long a time.
I also told you I'd go into more detail on what you can do NOW to empower yourself during these times of what feel like uncertainly for so many,[link widoczny dla zalogowanych].
Author's Bio:
By Nanette Geiger, Author & Law of Attraction Coach
See all Articles by Nanette GeigerSee Nanette Geiger&#039,[link widoczny dla zalogowanych];s Expert PageGet Updates on Law of AttractionGet Updates on Nanette Geiger Average: 0 Your rating: None Tweet
2. Stop watching the news. There is so much good news that isn't being telecast. Instead,[link widoczny dla zalogowanych], why not blog about what good happened in your neighborhood this week. Post to your social networking pages about the acts of kindness you witnessed. Spread the goodwill that is yours daily.
3. Smell the roses. I know you'll agree that we are so very blessed in so many ways. Count your blessings and the WILL multiply. They MUST - Law of Attraction says so. Appreciation is one of the HIGHEST vibrations available to us.
Here IS what I'm suggesting you take charge of immediately.
In my last artcle, we talked about all the gloom and doom being propagated everywhere you turn. I pointed out how more wealth is being created and how charitable contributions are higher than ever in history.
Practice appreciation regularly - several times per day - and watch your life shift rapidly,[link widoczny dla zalogowanych]. What you focus on will expand in your experience - it must - it is Law (of Attraction),[link widoczny dla zalogowanych].
The universe is in constant motion, so are your thoughts. You and your thoughts are part of this universal continuum. Your thoughts are always creating and recreating. The question is, are you refreshing your ideas or thinking the same old stale thoughts? ~ Nanette Geiger
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Generally, windows add life to a home, making it look great and valuable. They enable ventilation and external view. In addition, modern windows are capable of insulating the home, thus cutting down your heating and cooling energy. As such,[link widoczny dla zalogowanych], window replacement is a service that you should endeavor to get right and perfect the first time. While most do-it-yourselfers can handle replacement windows themselves,[link widoczny dla zalogowanych], getting a professional to do the job can ensure that you end up with a safe and properly installed windows.
1. The experience of the contractor
Window replacement is serious business. As such, you need to find a contractor who has the right skills and experience in handling this assignment. With the value and safety of your home on the line,[link widoczny dla zalogowanych], you need to be sure that you are getting a contractor who has adequate experience in window replacement.
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Getting the best deal from deal when replacing your windows
Always arm yourself with facts; researching various providers as well as window types. This will enable you to set a budget for your work. In addition, you need to find out the cost of labor and materials from different providers. Finally, protect yourself from fraudsters by verifying the contractor's license with the contractor's board in your state. As a thumb rule,[link widoczny dla zalogowanych], never hire a contractor who is no licensed to practice in your area. Finally, look at the cost of the service. The high cost of replacement may not quite mean that you are getting the best service. However,[link widoczny dla zalogowanych], do not just settle for a contractor because his charges are low. Be sure not to compromise the quality of your work by allowing yourself to be carried away by a cheap service.
By Keith Puetz
See all Articles by Danny PuetzGet Updates on PublicityGet Updates on Danny Puetz Average: 0 Your rating: None Tweet
Window replacement contractors are crucial for any successful window replacement project. However, you have to be sure that you are getting the right contractor for your project. With a little homework and planning, you will avoid troubles and disappointments when hiring the right window replacement contractor in your area.
2. The type of windows you want installed
It is important that you get a window replacement contractor who has premium selection of quality materials. Incorporating modern technology into the making of your windows will definitely make your home energy efficient and more valuable. Therefore, be sure to ask for details on the contractor's line of windows and if he can custom the windows to suit your personal taste and preference.
In the past few years, window replacement has gained popularity as part of home remodeling thanks to the arrival of modern window glass that is ideal for insulating homes and reducing your home's heating and cooling cost. In addition, replacing old and damaged windows will not only reduce your home's energy consumption but also increase the value of your home. However,[link widoczny dla zalogowanych], you need to start by getting the right contractor that will handle the job. Attributes such as experience,[link widoczny dla zalogowanych], quality equipment, experience and other home improvement factors play a crucial role when finding the right contractor for your window replacement works. Here are three crucial factors that you need to consider when hiring a window replacement contractor.
3,[link widoczny dla zalogowanych]. Quality of work
It is important that you get a contractor who can provide guarantee for their work. The best way to double check the quality of a contractor's work is to make inquiries with the Better Business Bureau for any complaints from previous customers. In addition, you can run internet search on individual providers to find out what other customers have experienced from the contractor. Where possible,[link widoczny dla zalogowanych], be sure to ask for references to satisfied customers,[link widoczny dla zalogowanych], just to be sure that the contractor has done satisfactory work for other home owners.
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By Stella Fernandes See all Articles by Amita PhadnisGet Updates on WellnessGet Updates on Amita Phadnis Average: 0 Your rating: None Tweet The birth of a baby and welcoming it in their lives is a great joy to parents pediatric surgery,[link widoczny dla zalogowanych], A normal person must have more alkali present than acid. Alcoholic beverages,[link widoczny dla zalogowanych], Generally,[link widoczny dla zalogowanych], the success of each case depends on a number of factors such as health and age of the patient and the severity of their condition. By acting as a filler for areas that have lost firmness of collagen," as the lips. You would only respond to the treatment if it takes place in a completely comfortable environment. just looking for options that provide adequate sedation techniques.
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The diet we take has a huge impact on our health.

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2.) Obsession over the drug as indicated by a person's constant references to drug use and the planning of what to use,[link widoczny dla zalogowanych], how much to use,[link widoczny dla zalogowanych], where and with whom.
*Poor hygiene
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While physical warning signs of addiction may not always be present or easily noticeable, the emotional signs often are. Regular drug use often causes or exacerbates existing emotional issues such as anxiety, panic, paranoia,[link widoczny dla zalogowanych], nervousness, and sleep and memory issues. While these emotional warning signs can sometimes be hard to define, they are almost always accompanied by the three behavioral warning signs of addiction:
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Recognizing the warning signs of addiction is not always an easy task as the very nature of this disease causes a person to mask or hide the problem. Some addicts are so adept at concealing an addiction problem that it can go on for years without even close family members discovering the issue. However, the longer an addiction persists, the harder it will be stop using and get help. That's why it is essential to recognize and identify the warning signs of addiction if you suspect someone you love might have a problem with drugs or alcohol.
3.) The most telling sign of addiction is the continuation of the behavior despite serious consequences, including the destruction of family and relationships,[link widoczny dla zalogowanych], career, economic standing and even legal troubles.
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*Tooth decay,[link widoczny dla zalogowanych], bad breath and "mouth rot" that occur rapidly over a short period of time. This could be indicative of serious drug use like meth, cocaine and heroin
1.) Loss of control over the drug or alcohol as evidenced by an inability to regulate drug intake or remember how much or when they last used a drug, and symptomatic drugs use issues including overdoses and cases of alcohol poisoning.
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She is hearing impaired, barely able to catch the sound of a car's horn even with the use of a hearing aid. But she can speak four languages and has worked for Goldman Sachs, and is now employed at a Japanese branch of Credit Suisse.

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By Christopher R. Edgar
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In my experience,[link widoczny dla zalogowanych], becoming aware of these destructive beliefs is a lot like noticing the places in our bodies where we’re holding tight. Often, when we become aware of it, the belief — like the tension we’re holding onto — dissolves on its own. And as it turns out, we get a lot more done when working is no longer such a physically painful process.
2. Pushing Makes Us Work Faster. Some people tense their bodies based on the false, unconscious idea that clenching their muscles will speed up their progress — as if they’ll get more efficient if they just “put some muscle into it.” In fact, tightening up inside just wears us out, and turns work into a more dismal chore than it needs to be.
Beliefs That Lead Us To Push
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I shudder a little when I think about some of my old working habits. One of these habits was to do what I now call “pushing the moment.” When I’d be under time pressure, or I just wanted a task off my plate quickly, I’d tighten up my shoulders as I worked — as if I were physically trying to push the project to completion. Not surprisingly, my shoulders used to get sore pretty often.
These ideas differ from person to person, but I’ll go through a few common ones. It may be helpful to notice whether any of them resonate with you.
The most obvious way to deal with the “pushing” habit is to notice it and let it go. Every so often, as we’re working,[link widoczny dla zalogowanych], it’s useful to scan our attention over our bodies,[link widoczny dla zalogowanych], and notice anywhere that feels rigid. When we become aware of the tight places, they often relax by themselves, or we can breathe into those places to help our bodies let go of the tension.
1. Work Takes Suffering. A few people I’ve worked with have noticed that, when they relax the tense parts of their bodies as they work,[link widoczny dla zalogowanych], they start thinking of themselves as lazy. Somewhere along the line,[link widoczny dla zalogowanych], they learned that, to be a responsible, hardworking person, you have to suffer while you work — “no pain, no gain.” When they look closely at this belief and see how irrational and self-hating it is, it often unravels.
But for some people, this offers only temporary relief. They become aware of the tight place and relax,[link widoczny dla zalogowanych], but a few minutes later they’re clenching their jaw or neck again, and working again feels stifling and uncomfortable. Sometimes, I find, people have trouble breaking the “pushing” habit because of deep-seated ideas they have about themselves and the world that could use some examination.
3. I’ve Got To Get “There.” In our culture,[link widoczny dla zalogowanych], we usually don’t even consider the possibility that we can enjoy the moment-to-moment process of writing an e-mail or plugging values into a spreadsheet. The only thing we think we’re capable of enjoying,[link widoczny dla zalogowanych], and let ourselves enjoy, is the product of our work — the money we make, the prestige of our career, and so on. This mindset can leave us literally aching for the reward, and not realizing how much we can make out of this moment.
Today,[link widoczny dla zalogowanych], when I work with someone who’s looking for focus and motivation in what they do, we often discover they’re doing the same thing. Much of the working day, they recognize,[link widoczny dla zalogowanych], they’re unconsciously tensing up some part of their body, as if their project is some big piece of furniture they’re trying to move across the living room floor. No wonder work feels so painful and uninviting to them.
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