Your practical guide to scoring cash to fuel your real estate investments Want to be a smart, successful real estate investor? This no-nonsense guide contains everything you must know to make the right choices about financing your investments from the various options available and the impact on cash flow to the tax implications and risk factors involved. You also get tried-and-true tips for surviving a down market and using current investments to finance future ones. A crash course in real estate financing understand standard terms and concepts, learn the various sources of investment capital, and gather all essential facts and figures Weigh your options decide which type of financing is best for your circumstances and incorporate it into your real estate investing plan Finance residential properties evaluate residential loan programs, navigate the loan application and processing, and handle the closing Invest in commercial properties know the different property types, choose the one that meets your investment goals, and discover unique sources for financing Tap into unconventional sources discover the pros and cons of "hard money," capitalize on seller financing, partner to share risk and equity, and invest on the cheap with no-money-down deals Open the book and find: Real-world advice on financing without tying up all your capital How to get prequalified or preapproved for a loan Questions to ask your lender upfront Ways to avoid common beginner blunders How to protect your personal assets from investment risks Bargain-hunting hints for low-cost loans Strategies for surviving a credit crunch Ten pre-closing steps you must take
Get the confidence and tools to take advantage of this growing method of investing Tax liens sales and tax deed auctions, conducted by governmental agencies for delinquent taxes on real estate, are not new—they have been around for more than 200 years. But until recently, they remained a small niche market for investors. However, as more people become delinquent on their real estate taxes due to the increased foreclosure market, and local governments look for revenues wherever they can find them, this investing methodology has become increasingly popular - and it can be done from anywhere. Zero Risk Real Estate shows readers exactly what to look for, what to avoid, and how to get the biggest return with the smallest amount of risk. Explains how to utilize the internet for research and investing from anywhere in the world! Gives step-by-step advice on how to determine your investment objectives and where to find tax sale listings Details how to take advantage of "over-the-counter" bargains and increase your returns Shows what to do once you have your new tax certificate, and how to "cash in" This is not a get-rich-quick infomercial approach—it is a real investing strategy that is expected to grow over the next several years as an appealing alternative to the stock market and other investments. Using real-life examples and case studies, this book walks you through the process step-by-step to make it easy for beginners, and shares advanced investing techniques for more experienced investors.
In Mortgage Myths, Realtor Ralph Roberts and mortgage consultant Chip Cummings take aim at the 77 mortgage myths that prevent so many would-be homeowners and real estate investors from pursuing their dreams of homeownership. You’ll learn the difference between good and bad debt, how to make mortgage approval easier and simpler, and how to use other people’s money to leverage your investments. This is the ultimate guide to getting the great deal you deserve.
Learn the whole truth about foreclosures and discover some real bargains with the myth-busting information in Foreclosure Myths: 77 Secrets to Saving Thousands on Distressed Properties!. Find out the truth about seventy-seven persistent myths that prevent would-be homeowners and real estate investors from taking advantage of tremendous profit potential. Understand how to find, evaluate, and buy foreclosure properties at a discount, including how you can use other people's money to finance your investments through firsthand stories from top industry professionals and handy resources like government foreclosure guidelines.
Continuing the success of the popular second edition, the updated and revised Object-Oriented Data Structures Using Java, Third Edition is sure to be an essential resource for students learning data structures using the Java programming language. It presents traditional data structures and object-oriented topics with an emphasis on problem-solving, theory, and software engineering principles. Beginning early and continuing throughout the text, the authors introduce and expand upon the use of many Java features including packages, interfaces, abstract classes, inheritance, and exceptions. Numerous case studies provide readers with real-world examples and demonstrate possible solutions to interesting problems. The authors' lucid writing style guides readers through the rigor of standard data structures and presents essential concepts from logical, applications, and implementation levels. Key concepts throughout the Third Edition have been clarified to increase student comprehension and retention, and end-of-chapter exercises have been updated and modified. New and Key Features to the Third Edition: -Includes the use of generics throughout the text, providing the dual benefits of allowing for a type safe use of data structures plus exposing students to modern approaches. -This text is among the first data structures textbooks to address the topic of concurrency and synchonization, which are growing in the importance as computer systems move to using more cores and threads to obtain additional performance with each new generation. Concurrency and synchonization are introduced in the new Section 5.7, where it begins with the basics of Java threads. -Provides numerous case studies and examples of the problem solving process. Each case study includes problem description, an analysis of the problem input and required output, and a discussion of the appropriate data structures to use. -Expanded chapter exercises allow you as the instructor to reinforce topics for your students using both theoretical and practical questions. -Chapters conclude with a chapter summary that highlights the most important topics of the chapter and ties together related topics.
Images of America: Firefighting in Frederick County honors the contribution of both volunteer and career firefighters through the years. Captured in these 200 vintage images are the local volunteer fire companies, many support agencies, and other emergency services organizations that have been assisting Frederick County for centuries. Featured also will be photographs of the Independent Hose Company of Frederick, which has the honor of being the oldest continuously operating fire company in Maryland, having been founded in 1818. Today, Frederick County is home to the National Fire Academy and the National Fallen Firefighters Memorial, both located in Emmitsburg and featured in the book.
“Chip Bell's unique perspective, lively illustrations, and practical advice result in one terrific resource for anyone eager to tap a customer's ingenuity for creating breakthrough results.” —Jeanne Bliss, founder and CEO, CustomerBliss; and cofounder, Customer Experience Professionals Association (CXPA) Organizations need to offer customers breakthrough products, services, and solutions to effectively compete in today's innovation-hungry economy. The challenge is customers often don't know precisely what they want. As Henry Ford is reputed to have said, “If I had asked people what they wanted, they would have said faster horses." To surprise and awe your customers, Chip Bell advises developing co-creation partnerships with them. Co-creation partnerships are about fulfilling customers' hopes and aspirations, not just their needs and expectations. Co-creation partnerships require (1) curiosity that uncovers insight, (2) grounding that promotes clear focus, (3) discovery that fosters risk-taking, (4) trust that safeguards partnership purity, and (5) passion that inspires energized generosity. Using examples from organizations like McDonald's, DHL, Marriott, Lockheed Martin, Discover Financial, Ultimate Software, and many more, Bell shows how co-creation partnerships enable you to tap into the treasure trove of ideas, ingenuity, and genius-in-the-raw within every customer.
Whether you want to crack the code of Northern California's legendary wild-trout waters, learn the best floats on the Sac, or fish for steelhead, stripers and shad on the American River, this guide shows you the best place to start for a successful fishing trip.
This book is about the tangled relationship between Native peoples and archaeologists in the American Southwest. Even as this relationship has become increasingly significant for both "real world" archaeological practice and studies in the history of anthropology, no other single book has synthetically examined how Native Americans have shaped archaeological practice in the Southwest and how archaeological practice has shaped Native American communities. From oral traditions to repatriations to disputes over sacred sites, the next generation of archaeologists (as much as the current generation) needs to grapple with the complex social and political history of the Southwest's Indigenous communities, the values and interests those communities have in their own cultural legacies, and how archaeological science has impacted and continues to impact Indian country.
Arizona’s San Pedro Valley is a natural corridor through which generations of native peoples have traveled for more than 12,000 years, and today many tribes consider it to be part of their ancestral homeland. This book explores the multiple cultural meanings, historical interpretations, and cosmological values of this extraordinary region by combining archaeological and historical sources with the ethnographic perspectives of four contemporary tribes: Tohono O’odham, Hopi, Zuni, and San Carlos Apache. Previous research in the San Pedro Valley has focused on scientific archaeology and documentary history, with a conspicuous absence of indigenous voices, yet Native Americans maintain oral traditions that provide an anthropological context for interpreting the history and archaeology of the valley. The San Pedro Ethnohistory Project was designed to redress this situation by visiting archaeological sites, studying museum collections, and interviewing tribal members to collect traditional histories. The information it gathered is arrayed in this book along with archaeological and documentary data to interpret the histories of Native American occupation of the San Pedro Valley. This work provides an example of the kind of interdisciplinary and politically conscious work made possible when Native Americans and archaeologists collaborate to study the past. As a methodological case study, it clearly articulates how scholars can work with Native American stakeholders to move beyond confrontations over who “owns” the past, yielding a more nuanced, multilayered, and relevant archaeology.
From Lisa Birnbach, the author of The Official Preppy Handbook, comes True Prep, which looks at how the old guard of natural-fiber-loving, dog-worshipping, G&T-soaked preppies adapts to the new order of the Internet, cell phones, rehab, political correctness, reality TV, and . . . polar fleece.
Chip Deffaa profiles Ruth Brown, the most popular female black singer of the early 1950s; LaVern Baker, who succeeded Brown; Little Jimmy Scott, who Madonna calls the only singer who ever really made her cry; Charles Brown, master of the "club blues" style he popularized; Floyd Dixon, a more rambunctious fellow traveler; and Jimmy Witherspoon, whose blend of earthiness and urbanity helped earn him as big an r&b hit as was ever recorded.
“A zany and provocative cultural history” of LA’s infamous air pollution and the struggle to combat it from the 1940s to today (Kirkus). The smog beast wafted into downtown Los Angeles on July 26, 1943. Nobody knew what it was. Secretaries rubbed their eyes. Traffic cops seemed to disappear in the mysterious haze. Were Japanese saboteurs responsible? A reckless factory? The truth was much worse—it came from within, from Southern California’s burgeoning car-addicted, suburban lifestyle. Smogtown is the story of pollution, progress, and how an optimistic people confronted the epic struggle against airborne poisons barraging their hometowns. There are scofflaws and dirty deals aplenty, plus murders, suicides, and an ever-present paranoia about mass disaster. California based journalists Chip Jacobs and William J. Kelly highlight the bold personalities involved, the corporate-tainted science, the terrifying health costs, the attempts at cleanup, and how the smog battle helped mold the modern-day culture of Los Angeles.
Nell Dale’s C++ Plus Data Structures, Sixth Edition explores the specifications, applications, and implementations of abstract data types. Topics covered include modularization, data encapsulation, information hiding, object-oriented decomposition, algorithm analysis, and more.
Cultural icon and original Star Trek captain Shatner crisscrosses the U.S.--from MIT to Cal Tech--in search of the countless scientists and inventors who make fictional science real.
Collects Daredevil: Woman Without Fear #1-3 And Elektra (2022) #100. The next pulse-pounding chapter in Chip Zdarsky's saga of New York City's Guardian Devil - now starring Elektra in the horned cowl! She's the world's deadliest assassin - but when she took on the mantle of Daredevil, she took a vow not to kill. Now that solemn promise is about to be put to the ultimate test. Kraven the Hunter has Elektra dead in his sights, and he has no reservations about murder! Battered, bruised and with her back to the wall, can Elektra find a way to honor Matt Murdock's code? And if so, will the Woman Without Fear be strong enough to survive the unexpected consequences of mercy? Plus: Celebrate 100 issues of Elektra with a giant-size celebration full of thrills, chills, surprises and all-out ninja action!
Object-Oriented Data Structures Using Java, Fourth Edition presents traditional data structures and object-oriented topics with an emphasis on problem-solving, theory, and software engineering principles.
This book provides an expanded conceptualization of legalization that focuses on implementation of obligation, precision, and delegation at the international and domestic levels of politics. By adding domestic politics and the actors to the international level of analysis, the authors add the insights of Kenneth Waltz, Graham Allison, and Louis Henkin to understand why most international law is developed and observed most of the time. However, the authors argue that law-breaking and law-distorting occurs as a part of negative legalization. Consequently, the book offers a framework for understanding how international law both produces and undermines order and justice. The authors also draw from realist, liberal, constructivist, cosmopolitan and critical theories to analyse how legalization can both build and/or undermine consensus, which results in either positive or negative legalization of international law. The authors argue that legalization is a process over time and not just a snapshot in time.
This elegant Fourth Edition of Chip Sullivan's classic Drawing the Landscape shows how to use drawing as a path towards understanding the natural and built environment. It offers guidance for tapping into and exploring personal creative potential and helps readers master the essential principles, tools, and techniques required to prepare professional graphic representations in landscape architecture and architecture. It illustrates how to create a wide range of graphic representations using step-by-step tutorials, exercises and hundreds of samples.
The fascinating evolutionary links between six seemingly unremarkable traits that make us the very remarkable creatures we are. Countless behaviors separate us from the rest of the animal kingdom, but all of them can be traced one way or another to six traits that are unique to the human race-our big toe, our opposable thumb, our oddly shaped pharynx, and our ability to laugh, kiss, and cry. At first glance these may not seem to be connected but they are. Each marks a fork in the evolutionary road where we went one way and the rest of the animal kingdom went another. Each opens small passageways on the peculiar geography of the human heart and mind. Walter weaves together fascinating insights from complexity theory, the latest brain scanning techniques, anthropology, artificial intelligence, cognitive psychology, and robotics to explore how the smallest of changes over the past six million years - all shaped by the forces of evolution -- have enabled a primate once on the brink of extinction to evolve into a creature that would one day create all of the grand and exuberant edifices of human culture. As the story of each trait unfolds, Walter explains why our brains grew so large and complex, why we find one another sexually attractive, how toolmaking laid the mental groundwork for language, why we care about what others think, and how we became the creature that laughs and cries and falls in love. Thumbs, Toes and Tears is original, informative, and delightfully thought-provoking.
Collects 2099 Alpha #1 (2019), Spider-Man 2099 (2019) #1, Fantastic Four 2099 (2019) #1, Ghost Rider 2099 (2019) #1, The Punisher 2099 (2019) #1, Venom 2099 (2019) #1, Doom 2099 (2019) #1, 2099 Omega 2099 (2019) #1. Back to the future! From the pages of AMAZING SPIDER-MAN comes an epic that threatens the far-flung world of 2099 — and its greatest heroes! The Punisher — fighting a war on crime in the streets of Nueva York! Miguel “Spider-Man” O’Hara — facing his destiny! And Ghost Rider — wreaking vengeance in the city that never stops! Plus: Alchemax has the cure for what ails you — and its name is Venom! But will the future know a new Fantastic Four? In an era where everything has changed, there is one constant: Doom!
Right-wing militias and other antigovernment organizations have received heightened public attention since the Oklahoma City bombing. While such groups are often portrayed as marginal extremists, the values they espouse have influenced mainstream politics and culture far more than most Americans realize. This important volume offers an in-depth look at the historical roots and current landscape of right-wing populism in the United States. Illuminated is the potent combination of anti-elitist rhetoric, conspiracy theories, and ethnic scapegoating that has fueled many political movements from the colonial period to the present day. The book examines the Jacksonians, the Ku Klux Klan, and a host of Cold War nationalist cliques, and relates them to the evolution of contemporary electoral campaigns of Patrick Buchanan, the militancy of the Posse Comitatus and the Christian Identity movement, and an array of millennial sects. Combining vivid description and incisive analysis, Berlet and Lyons show how large numbers of disaffected Americans have embraced right-wing populism in a misguided attempt to challenge power relationships in U.S. society. Highlighted are the dangers these groups pose for the future of our political system and the hope of progressive social change. Winner--Outstanding Book Award, Gustavus Myers Center for the Study of Bigotry and Human Rights in North America
For the first time since 1984, we have a new edition of the classic book that Field & Stream called “the Hiker’s Bible.” For this version, the celebrated writer and hiker Colin Fletcher has taken on a coauthor, Chip Rawlins, himself an avid outdoorsman and a poet from Wyoming. Together, they have made this fourth edition of The Complete Walker the most informative, entertaining, and thorough version yet. The eighteen years since the publication of The Complete Walker III have seen revolutionary changes in hiking and camping equipment: developments in waterproofing technology, smaller and more durable stoves, lighter boots, more manageable tents, and a wider array of food options. The equipment recommendations are therefore not merely revised and tweaked, but completely revamped. During these two decades we have also seen a deepening of environmental consciousness. Not only has backpacking become more popular, but a whole ethic of responsible outdoorsmanship has emerged. In this book the authors confidently lead us through these technological, ethical, and spiritual changes. Fletcher and Rawlins’s thorough appraisal and recommendation of equipment begins with a “Ground Plan,” a discussion of general hiking preparedness. How much to bring? What are the ideal clothes, food, boots, and tents for your trip? They evaluate each of these variables in detail—including open, honest critiques and endorsements of brand-name equipment. Their equipment searches are exhaustive; they talk in detail about everything from socks to freeze-dried trail curries. They end as they began, with a philosophical and literary disquisition on the reasons to walk, capped off with a delightful collection of quotes about walking and the outdoor life. After a thoughtful and painstaking analysis of hiking gear from hats to boots, from longjohns to tent flaps, they remind us that ultimately hiking is about the experience of being outdoors and seeing the green world anew. Like its predecessors, The Complete Walker IV is an essential purchase for anyone captivated by the outdoor life.
Organized fire protection in Frederick County, Maryland, existed before the adoption of the Constitution. Follow the colorful history of the fire companies from the first fire engine in 1764 to the fire company militia units that were summoned to Harper's Ferry and fire halls used during the Civil War. Learn how the fire companies in Frederick County had statewide influence by organizing the Maryland State Firemen's Association in 1893. Read of the tradition of fire engines "throwing water over the town clock"--sometimes to test performance, other times just for bragging rights. Local author and volunteer firefighter Chip Jewell provides a snapshot of how each fire company was organized from the early 1800s to the most recent companies in the 1970s.
Thoroughly revised and updated Turbo Pascal retains the excellent pedagogy, outstanding clarity, and balanced presentation that marked earlier editions as leaders in computer science education. An emphasis on problem solving and algorithmic design teaches students to implement programs most effectively. A sensible organization introduces concepts where students need them most, and an extensive and varied selection of exercises and case studies support and strengthen concepts learned. In addition, all programming examples follow well-defined methodologies that reinforce proper problem-solving principles.
Cashing in on Pre-foreclosures and Short Sales shows investors exactly how to take advantage of what many are calling the best upcoming investment real estate market we have experienced in decades! Chip distinguishes the difference between good deals and bad deals, reveals just how easy it is to find, evaluate, and obtain foreclosure properties, tells how to negotiate a profitable transaction, and unveils the power of using short sales and other strategies to create a win-win situation for the investor, the seller, and the bank. Even first-time buyers looking to score a bargain on purchasing their own home will be armed with all the tools they need to confidently evaluate and pursue a profitable deal - and save thousands in the process. Cashing In on Pre-foreclosures and Short Sales incorporates quotes and advice from top industry professionals, as well as a healthy appendix packed with state and national foreclosure guidelines, including valuable contacts and websites, sample forms, checklists, and all the necessary tools you need to find, evaluate, secure and profit from foreclosure properties.
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