Month: August 2016

Bulgaria Apartment to Buy or to Rent?

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Finding an apartment in Bulgaria is easy–if you know where to look. You can definitely get the most for your money, and enjoy the luxury of an apartment with a great view if you are sure about what you want, and what part of Bulgaria you’d like to live in. Here are a few suggestions to help you find just the Bulgaria apartment you’re looking for.

First of all, be sure to do a little research about Bulgaria apartments. Determine how large or small you’d like the apartment to be, and whether or not you’d like the apartment to be furnished. You should also talk to your real estate agent about how much you’re willing to spend for a Bulgaria apartment, since the pricing for an apartment could range from $800-$1000 per month, $300-400 per week, or $55-$65 per day. Figure out which payment plan would work best for you, and then search for apartments that are realistically within your price range.

If you’re planning a visit to Bulgaria, renting an apartment may be a good idea. Depending on how long you plan on staying and how many people you’re traveling with, renting an apartment for your stay could help you save money, and put you close to the great sites and activities that Bulgaria has to offer. You can find holiday apartments in Bulgaria that are near the mountains, countryside, seaside, or near downtown, so you can choose whether you want to be right in the heart of the city, or closer to nature.

Before planning your trip or your move, there are a few additional ways to make sure that you’re moving into the right apartment. After figuring out your price range, be sure to see as many pictures of the apartment as possible, with and without furniture, to get a feel for the place and decide if you’d feel at home there. You may also want to talk to your potential neighbors to find out what the neighborhood is really like. Before making any final choice, be sure to talk to you real estate agent so that you can visit some of the Bulgarian apartments that may be ‘hidden’ in the real estate market.

Atlanta Apartment Roommates

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One of the main criteria for choosing an apartment is its proximity to one’s workplace. If one can avoid or lessen the daily commute, the savings in terms of time, money and energy are worth more than anything. However, often apartment hunters face a dilemma of finding only expensive apartments near their workplaces. When faced with such a dilemma one solution that has become very popular is sharing the apartment with a roommate.

Having roommates has its pros and cons. While the presence of a roommate might impinge upon your privacy, it adds an element of safety. Rent costs are halved and one gets the advantage of companionship. However one needs to be very careful while choosing a roommate. A roommate with the wrong kind of friends and habits can wreak havoc on your life. So it is always advisable to look for references or, if possible, share your apartment with someone you already know.

It doesn’t always happen that you find your ideal roommate in your place of work/study. As a supply for this demand, several Web sites have sprung up where people looking for roommates and those looking for homes to share, can register. Each site gives you certain criteria which narrow down the search from its database. This will help you find a roommate pretty fast. The only drawback in this system is that it is hard to verify credentials. In that case one needs to trust one’s gut instincts and pay close attention to potential roommates. Evaluate them objectively and then go in for a mutual arrangement. Several Web sites dealing with real estate also have roommate registering sections. One can search through such databases and arrange to meet the potential roommates in person and then make a decision.

If you have rented an apartment, pay close attention to what your contract states. At times, the number of residents allowed in an apartment is specified. It is also essential to iron out how household expenses will be shared. An apartment needs maintenance too. So be sure to divide up the housekeeping duties also. Several happy roommate relationships have been known to break down over issues like expenses and housekeeping. Planning all of these things in advance can help to make sure these problems do not happen.

How To Expand Your Family Law Practice: Ten Money Making Tips For Divorce Lawyers

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The divorce rate in the United States is likely to rise over the next five years due to the ten sociological trends that will be outlined below.

These changes will create an abundance of work and opportunities for family lawyers and matrimonial lawyers.

  • In a bad economy, some people stay in bad relationships because they feel trapped. In short, they can not afford to leave their spouse. Today’s economy is quite strong. Home prices are rising and the stock market has been on the rise. Many people who are unhappy with their marriages can now afford to terminate these unfulfilling relationships.
  • The opioid crisis, the heroin crisis, the increase in alcohol abuse will create a lot of familial stress and will contribute to marital disintegration in America. Interestingly, many private corporations are now investing in drug treatment center to profit from the increased need for these services.
  • Domestic violence often coexists with addictions and substance abuse. Spouses in violent relationships will need to be protected by family lawyers and by the criminal justice system.
  • The rising number of people who are addicted to pornography, video games and social media will continue to put a strain on marriages and on family life. Many clinicians and attorneys are seeing the impact of these kinds of addictions on marriages and on intimate relationships.
  • Laws allowing same sex marriages create more relationships. More relationships means that there will also be more relationships which end in divorce.
  • Internet dating has made it very easy to meet, to hook up with people and find another spouse. Consequently, people are not afraid of being alone and will not hesitate to remove themselves from an unhappy marriage.
  • The public is now more aware of the value and utility of pre nuptial and post nuptial agreements. Attorneys will need to create more and more of these contracts.
  • Infertility treatments are creating many complicated legal issues for couples. Who owns the fertilized eggs is merely one example of the kind of legal issues that this relatively new technology is generating for families and for their lawyers.
  • The growth of mediation will simplify and shorten the divorce process and make it easier and less expensive to terminate a failing marriage. Consequently, more people will be likely to utilize the legal system to end their marriages.
  • Similarly, collaborative divorce is gaining in popularity and is creating another viable route to divorce for some couples in America.

 

Having a Hard Time Finding an Apartment?

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If you’re looking for a Dallas apartment right now, then you’re lucky to have already started. If you are just beginning to think about finding a Dallas apartment, then you might want to think about speeding up your timetable. The Dallas apartment market is experiencing an sizable boom at the moment-one that is expected to continue on into the new year. That boom means more units are being built, but it also means two more important things:

1. Fewer units are becoming available through normal turnover.

2. The prices on those units that are available will be going up as demand continues to increase.

That is why it is so important to find your apartment now.

Wake up and Make a Plan

Ideally, you’ve already begun your apartment hunt. Otherwise, though, you can consider this your wake up call. You should probably follow it up with an aggressive approach to your search, after all, the sooner you find and secure the apartment of your choice then the sooner it goes off the market and you stop competing for real estate. You can start by making and implementing a plan. Know exactly what you are looking for so that you can tailor your search patterns.

Searching for the Perfect Place

The next step is of course, to get and survey the options. It is becoming easier and easier to utilize internet search tools here. You can hunt for your Dallas apartment on websites that offer free listings like Craigslist using feeds that gather and alert you to listings that feature your specifications. You can also pay for private listings featured on various real estate sites. These will include units that might never make it to a free listing. Compile these listings and study them for potential gold. The more diligent you are, the more likely you will be to find your apartment quickly.

Colorado Real Estate

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Many people not only love to spend their vacations in Colorado, they also buy real estate there in all its forms, whether it is a vacation home, rental real estate, or a permanent residence. There are many different reasons why people want to live in Colorado. From outdoor activities to world-class shopping and entertainment venues, Colorado has a lot to offer to everyone.

If you are a property owner in Colorado, it is not that difficult to sell your property; the Colorado real estate has a great market. Colorado is known as a state with a healthy economy, so it is not hard to start a new life there if you decide to relocate. The real estate also appreciates in a few years’ time, which is why many people are enticed to buy property there. If you have Colorado real estate to sell, just post its details with a real estate listing agent so that more clients will know about it. You will have a bigger chance to sell it quickly.

Meanwhile, if you are looking for Colorado real estate, you can begin your search by going through the Colorado real estate listings. Here, you can find quite a few choices such as luxury real estates in Vail and prime pieces of land in Colorado’s fastest-growing city, Denver. However, if you want to be away from the big city atmosphere, you can check out Colorado Springs real estate. If you want to be near the University of Colorado, you can look at Boulder real estate listings.

Whether you are selling or buying a real estate in Colorado, you can certainly rely on real estate listings. You can even go online since many real estate companies have now taken advantage of the Internet for easy access and convenience.

How to Get Rid of Your Health Problems?

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Maintaining a good health needs a highly relaxed mind. Stress can put your normal life into a complex and dangerous situation which can transform into fatigue and compounds in developing problems that can ruin your life to a great extent. This can put your life into great trouble.

One of the reasons, where an individual can undergo stress is the escalating healthcare costs that are no more accessible to an average individual. This increase in costs makes proper healthcare inaccessible to most of the people which would develop into a major concern in the near future. This rise in costs is because of many cost drivers such as prescription, expenses of modern technologies, treatments and skyrocketing hospital charges.

In order to effectively control costs, quality healthcare must be provided to all the people by the government at an affordable price but due to many sociopolitical reasons this hasn’t been implemented. Many organizations and individuals also have put in a lot of effort to reduce the costs but to their utter dismay this wasn’t possible for them. Some organizations were able to survive against all the odds in providing affordable healthcare to the public. These organizations, with an objective and vision to provide affordable healthcare access to the citizens of America, have started offering huge discounts on the medical care expenses. This includes providing dental, vision, prescription drugs, and chiropractic care for the well-being of the people. By giving provide huge discounts on the medical bills, companies have restructured the whole healthcare industry to a great extent. Such a situation created has provided ultimate solution in critical situations.

Estafa Vs B.P.22 – What Is the Difference?

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We’re pretty sure there’s a point in time that you became party to a transaction, either as payee or payer. Of course as payee, receiving cash is much preferred as you are sure that your payment was given to you in full sans any further action needed from your end. Now as payer, issuing a check is so much more convenient, especially for substantial transactions, as you would not have to worry about bringing cash and making sure that all your expenses are accounted and debited for, up to the last centavo.

It’s great if all transactions went smoothly without any hitch. However, with both parties making and receiving payment all in good faith. But what if you were conned by someone you had the mistake of trusting? Or what if you issued a check as a show of good faith to close out on a deal but at the time of issuance, the account has insufficient funds and you made a mental note to replenish the account as soon as you got paid. Alas, you then notice that your check bounced.

The above instances had surged over the years and has caused an unfortunate chain reaction which prompted the filing of either or both the following cases: Estafa and Violation of Batas Pambasa (BP) 22 or the Bouncing Checks Law.

Estafa Through Issuance of Unfunded Checks
The crime of Estafa is punished under the Revised Penal Code. One can be held guilty for Estafa by means of issuing a bouncing check with the use of false pretenses or fraudulent acts executed prior to or simultaneously with the commission of the fraud:
“By postdating a check, or issuing a check in payment of an obligation when the offender had no funds in the bank, or his funds deposited therein were not sufficient to cover the amount of the check. (Article 315(2)(d) of the Revised Penal Code as amended by R.A. 4885)”

How can a person be held guilty for Estafa?

Under the RPC, the following elements are necessary to hold a person guilty of Estafa:

  1. Postdating or issuance of a check in payment of an obligation contracted at the time the check was issued
  2. Insufficiency of funds to cover the check, and
  3. Damage to the payee thereof.

The most important element here is the damage caused. Absent any of the following elements, a person cannot be held liable for Estafa.

Case in point:

Andres owns and operates a trading good business and bought merchandise from Bonifacio and issued an unfunded check in consideration of the goods received.

In this scenario, Andres can be held liable for Estafa because he issued a check knowing it to be without sufficient funds to pay the items he bought from Bonifacio. The issuance of the bounced check here was with fraudulent intent.

Bouncing Checks Law (BP 22)
Unlike Estafa which has its basis under the RPC, BP 22 is enacted through a special law. A person can be charged for violation of BP 22 when he commits the following acts:

  1. Making or drawing and issuing any check to apply on account or for value, knowing at the time of issue that he does not have sufficient funds in or credit with the drawee bank for the payment of such check in full upon its presentment, which check is subsequently dishonored by the drawee bank for insufficiency of funds or credit or would have been dishonored for the same reason had not the drawer, without any valid reason, ordered the bank to stop payment;
  2. Having sufficient funds in or credit with the drawee bank when he makes or draws and issues a check, shall fail to keep sufficient funds or to maintain a credit to cover the full amount of the check if presented within a period of ninety (90) days from the date appearing thereon, for which reason it is dishonored by the drawee bank.

How can a person be held guilty for Violation of BP 22?

Violation of BP 22 can be filed against any person when the following are present:

  1. Making, drawing and issuance of any check to apply for account or for value;
  2. Knowledge of the maker, drawer, or issuer that at the time of issue he does not have sufficient funds in or credit with the drawee bank for the payment of such check in full upon its presentment; and
  3. Subsequent dishonor of the check by the drawee bank for insufficiency of funds or credit or dishonor for the same reason had not the drawer, without any valid cause, ordered the bank to stop payment.

Same with Estafa, the presence of all these requirements is important. Otherwise, the charge of BP 22 will not attach. Note that knowledge of insufficiency of funds is presumed when it is proved that the issuer received a notice of dishonor and that within 5 days from receipt thereof, he failed to pay the amount of the check or make arrangement for its payment. Additionally, in BP 22, good faith is immaterial. Meaning, the mere issuance of an unfunded check already consummates the crime.

Using the same example above, Andres can also be charged for Violation of BP 22, other than Estafa, because BP 22 cases also cover issuances of bouncing checks for value received.

Where does the disparity lie?

It is Estafa when, among others, you issue an unfunded check with fraudulent intent in consideration of something of value you received. Here intent is material and good faith may be used as a defense.

It is a case for Violation of BP 22 when you issue an unfunded check whether or not it is for an obligation you contracted prior to the issuance of the check or not. Simply put, you are liable for BP 22 whether you issue a check for a present or a past obligation.

C.A.R.E. To Improve Your Real Estate Business

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Do you need more business? Want more money? Want more market share? It’s simple: give more. If you remember anything from this article, let it be those two words – give more. Why? Because it works.

I read recently about research by Arthur Brooks, president of the American Enterprise Institute, who studied 30,000 American families. Brooks discovered a family giving $100 more to charity earns about $375 more income than a non-giving family that is similar in every other factor. For every dollar they give, they earn nearly $4 more. Who would have thought it? In giving, we receive.

But Realtors shouldn’t be giving just because they get something in return. You should give because you earn your living from your community.

But Bob, what should I do? There are so many causes out there.

Let me share some examples. A few months ago NAR highlighted several Realtors making heart-felt differences in their communities:

Bernice and Troy Helman, of Coldwell Banker REALTORS® in Terre Haute, Ind., joined two dozen other business leaders who pledged to live on $4.57 a day for one week (thousands of Hoosiers live on that amount of money every day). It generated tons of local media coverage on the prevalence of hunger. She also launched the “Grillin’ and Chillin'” picnic for local real estate pros that raises $10,000 to $15,000 annually for the poor. And as the 2011 fundraising chair for the local United Way, the Helmans led the charity to a record year of donations — more than $1.8 million.

When Tina McDonough of RE/MAX Select in Renton, Wash., lost her friend, Michelle Brown, to breast cancer in 2008, it touched her deeply. “I watched her 12-year-old daughter and her husband fall apart,” McDonough says. “I had to do something, so I started a team to walk in her memory.” Today, it’s the top fundraising team for the Susan G. Komen organization in the country — it has raised $1.4 million. McDonough also includes the Komen logo on all of her real estate signs.

Joel Pratt of J.L. Pratt, REALTORS in Canton, Mass., raises money and awareness for MatchingDonors, a nonprofit that has saved more than 500 lives by matching kidney donors with recipients. Pratt says every life saved keeps the memory of Lynda, his beloved wife of nearly 25 years, alive. She died in 1998 after a three-year battle with breast cancer.

Kristina Rhodes with F.C. Tucker Emge, REALTORS in Newburgh, Ind., has helped make more than 80 children’s dreams come true with her support for the Make-A-Wish Foundation. When Rhodes learned of Emily Jones, an 11-year-old fighting an aggressive form of cancer, and her dream of taking a Caribbean cruise, she acted. Sadly, Emily’s health never reached a level to allow for the trip. So Rhodes brought the cruise to Emily by arranging a pontoon ride on the Ohio River. “Emily taught me about what’s really important in life and helped me keep things in perspective,” Rhodes said.

So what’s the next step for you? Follow the acronym C.A.R.E. to get started today as a real estate agent who, well, cares:

C – Commit yourself to a cause. If I’ve said it once, I’ve said it a million times: The day you truly commit, your whole world changes.

A – Act on your commitment. The only way anything gets done is through action.

R – Reward yourself. Humans do things because there’s something in it for them. After you act, do something nice for yourself.

E – Enjoy the rewards. I promise, once you start giving back to a cause you care deeply about, you will enjoy your life (and your increased business) more.

Let me hear from you. Are you involved philanthropically in your community? If not, why not? Do you believe if you were to give back to your community your business would grow?

Cold Sores – Here’s What to Do!

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Like so many others we now and then experience cold sores. Sometimes just a small outburst and other times an outburst that really hurts a lot. Even worse is when it appears in your mouth, on the hard palates. If it appears in your mouth, try to cool it down with ice cubes or ice cream!

Cold sores – also called fever blisters – are caused by the Herpes simplex virus. It`s a viral infection of the skin and are contagious. They can appear once or return again and again.

Red blisters appear on your lip.Once you have had an episode of cold sores, the virus lies dormant in the nerve cells in your skin. Fever, menstruation, stress and exposure to the sun may trigger a recurrence.

Signs and symptoms

* small, painful, fluid filled blisters

* pain or tingling often precedes the blisters by one or two days

* usual duration of seven to ten days

* a yellow crust forms

Cold sores are quite common and though you can`t prevent them, you can take some steps to limit the duration of an occurrence.
Shared eating utensils, chap sticks, razors and towels may spread this infection.

* use creams rich on myrrh and thyme

* take a pain reliever if needed

* avoid picking

Dallas Real Estate Agencies

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Dallas real estate agencies help in buying and selling residential and commercial property in Dallas and its suburban areas. Like real estate agencies elsewhere, they do not own or buy any property that they list. They work on commission for their clients. Within the broad buying and selling functions, the real estate agencies in Dallas help in relocation, moving, rentals, mortgages, and other realtor services like insurance. The range of options offered by Dallas real estate agents for residential property includes houses, apartments, condominiums, lakefront homes, and sometimes ranches, too. Dealings in commercial property are largely restricted to the business areas, and some of the newly developed and developing areas.

The Texas Real Estate Commission (TREC) is the state government agency that issues licenses to real estate agencies operating in the state of Texas. Hence, the real estate agencies in Dallas come within the purview of TREC. TREC requires real estate brokers and salespersons to have sufficient education that would make them eligible to hold a license to work as a real estate agent. This is to ensure that consumers of real estate agencies get to interact with qualified and competent agencies.

Merely holding a license issued by TREC does not qualify a real estate agency to be a realtor in Texas. To qualify as a realtor, a real estate agency or professional should be a member of the National Association of Realtors, the national real estate industry association. Most real estate agencies in Dallas are members of this association, apart from being members of the MetroTex Association of realtors, the association for North Texas real estate professionals, which also consists of the Greater Dallas Association of Realtors. The Texas Association of Realtors is a statewide organization with 80,000 members that serves as a platform for realtors in Texas, including those in Dallas.

Most of the real estate agencies in Dallas have individual websites that list all the properties that they advertise for selling or buying. The websites are helpful for non-Dallas based clients to find property listings in Dallas quickly.