founder of books a million

... people and organizations in: Alabama, Arkansas, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Missouri, Montana, Nebraska, ... has most copiously recorded the early annals of Acadia Marc Lescarbot. He was a lawyer, and at this date about forty years old. Having come to Port Royal less as a colonist than as a guest of ... has no part that remains memorable. For Champlain it meant a first command at sea and a first glimpse of America. The record of this voyage was an incident of no less importance in Champlain's...

Ngày tải lên: 23/03/2014, 23:21

... she's another Balachandran." They all shuddered. Balachandran had been a high HP official and mastermind of an attempt to take over the galaxy by using a Wild Interface. "If this's ... Hair grows and sheds constantly. Human males have to deal with face hair, and are constantly fertile. Human females menstruate and can be impregnated several days out of any month. Personally, ... ago, because of Arshel's ability as an archeovisualizer—able to read the history of an artifact by touching it—they had been the ones to find the actual maze in the City of a Million Legends....

Ngày tải lên: 30/05/2014, 23:00

... Sales of comparable properties are the general benchmark for value. Appraisers look not just at housing sale prices of comparable houses, but also at the financing associated with the sales of ... 8 FINANCING SECRETS OF A MILLIONAIRE REAL ESTATE INVESTOR Appraisals on income properties are done in a variety of ways, one of which is the “income” approach. The income approach looks at the ... learned an important les- son a little knowledge can be dangerous. I decided then to become a master at real estate finance. Financing has traditionally been, and will always be, an integral part...

Ngày tải lên: 20/06/2014, 19:20

... over ( known as “funding” a loan ) . Note that many lend- ers will give “preapproval” of a loan. Preapproval is really a half-baked commitment. Until a loan is approved in writing, the bank has no legal ... consumers assume that “mortgage companies” are banks that lend their own money. In fact, a company that you deal with may be either a mortgage banker or a mortgage broker. A mortgage banker is a direct ... 16 FINANCING SECRETS OF A MILLIONAIRE REAL ESTATE INVESTOR In addition, the county, city, and/or state may assess a transfer tax based on either the value of the property or the mortgage amount. A...

Ngày tải lên: 20/06/2014, 19:20

... in- come approach. Market data approach. The market data approach is the most commonly used formula for single-family homes, condominiums, and small apartments. Basically, a licensed appraiser ... a high LTV and/or negative cash flow on the property and housing prices fall, you are in for a world of financial hurt. 58 FINANCING SECRETS OF A MILLIONAIRE REAL ESTATE INVESTOR basically a ... purchase price is inflated. The lenders are acting mostly out of irrational fear because of a recent barrage of real estate scams reported in the newspapers. Property flipping scams. There has...

Ngày tải lên: 20/06/2014, 19:20

... your cash. You can also take advan- tage of favorable interest rates because an owner-occupied loan is likely to have a lower interest rate than if you originated an investor loan. You can also ... $70,000 loan. Assumable Mortgages Some mortgages are assumable, that is, they can be taken over by a new borrower. Many people are familiar with the concept of an assumable mortgage, but few really ... the property a little below market price and sold it a little above market price. A new owner-carry loan at a higher interest rate was created that wrapped around the existing loan. In a wrap transaction,...

Ngày tải lên: 20/06/2014, 19:20

... loan within 5 days of sale Alaska Deed of Trust Power of Sale None Borrower can reinstate loan up to date of sale so long as a notice of defaulted has not been filed more than 2x in the past ... past Arizona Mortgage Judicial None Arkansas Deed of Trust Power of Sale Within one year California Deed of Trust Power of Sale None Colorado Deed of Trust Power of Sale 75 days Borrower can ... Mortgage Judicial None North Carolina Deed of Trust Power of Sale None North Dakota Mortgage Judicial One year Ohio Mortgage Judicial Only up to the date of confirmation of sale Oklahoma...

Ngày tải lên: 20/06/2014, 19:20

Ngày tải lên: 20/06/2014, 19:20

Ngày tải lên: 20/06/2014, 19:20

Ngày tải lên: 21/06/2014, 07:20

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Ngày tải lên: 21/06/2014, 07:20

Ngày tải lên: 21/06/2014, 07:20

Ngày tải lên: 21/06/2014, 07:20

Ngày tải lên: 21/06/2014, 07:20

Ngày tải lên: 11/08/2012, 20:47

... the rational craftsman’s approach to war could easily work against ideas of restraint in war, a point dramatically illu- strated in India by the Arthas ´ astra of Kautilya. This was a manual of statesmanship ... formal declaration. 60 Nor, apparently, was it thought necessary to have a formal declaration of war in the case of certain small-scale, one-off operations of a punitive character. 61 Declarations ... implications for international law of such a sharp demarcation of the boundary between war and peace were immense. Most outstandingly, it made the idea of a state of war easy to envisage. In such a...

Ngày tải lên: 21/09/2012, 11:02

Ngày tải lên: 23/09/2012, 14:47

... was good”. In total, MacDonald achieved a higher overall mean value than Max hamburger. In terms of standard deviation, we found out that MacDonald had a larger standard deviation than Max ... knowledge and awareness of the available brand. • Alternative evaluation: this is the stage whereby the consumers evaluate and rank alternative brand based on the information they have. Such information ... said to have a larger degree of dispersion of data around the mean than Max hamburger in those attributes. Max hamburger had a larger standard deviation than MacDonald in these attributes“serving...

Ngày tải lên: 24/09/2012, 17:19

... bilingual education) ● Speech/Language Credential ● Special-Education Credential The availability of jobs in these areas often far exceeds the supply of creden- tialed candidates. And many of the ... that having a second credential or certificate makes a candidate more attractive to the school district. A credential or certificate in one of these three areas can greatly enhance your chances ... newspaper ads. You’ll be surprised how many up-to-date job vacancies are listed regularly, not only in your local paper, but nationally. What many teacher candidates don’t realize is that many national...

Ngày tải lên: 05/10/2012, 09:47