Talk of the Town Ask the Expert: Turn Your Back Porch Into #39;Outdoor Room #39;
Interior designer Denise Simons talked about how to turn your back porch into an "outdoor room."

By: NewsChannel 5

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Monster High Doll Display - KittiesMama, Bedroom for Emma
Kittiesmama _ Monster High Dolls Display . How to decorate a girls bedroom, How to store Monster High Dolls How to display lots of Monster High Dolls for 10 year old youtuber Emma from KittiesMama...

By: Robeson Design

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Monster High Doll Display - KittiesMama, Bedroom for Emma - Video

For those looking to score a deal on a home, foreclosed properties can offer a great opportunity. Lenders are looking to unload the property and will often offer up a deep discount to do so quickly. But the process of buying a foreclosed home can differ a little from traditional home sales. Here are some things to consider before you make an offer on one of these properties.

The As-Is Sale

Disgruntled homeowners in foreclosure can feel like they have nothing left to lose. Faced with the prospect of losing their house, homeowners sometimes leave the place stripped of anything valuable or useful, including door knobs, fixtures and wiring. In cases like this, the lender is unlikely to make repairs and will sell the home as-is. While you can get the place at a steep discount, it might only be a bargain if youve got some DIY skills. This shouldnt necessarily discourage you from buying, but youll need to figure out if the cost of repairs will offset the discounted offer price.

Not Knowing What Youre Getting Into

With most homes, youll likely get some disclosure from the current owners. A helpful homeowner might give you a little advice, like the best place to start a garden, or offer you a heads up on minor repairs, like a bathroom door that sticks. And when it comes to big repairs, such as a shoddy foundation or termite damage, the owners might be legally required to let you know before you buy the place. But a lender has no history with the home, so dont expect to get a run-down of problems before you move in. A foreclosure might be a good deal, but it can also turn into an unexpected adventure.

Dont Assume Theyll Take Any Offer

While a foreclosed home can often be a bargain, you shouldnt expect the lender to accept a lowball offer. Even in a market flooded with foreclosures, a bank might balk at a low offer, preferring to wait until housing prices bounce back rather than take a huge hit on the investment. However, you can use local foreclosures to your advantage. Take a look at recent sale prices for homes sold by lenders which are often called real-estate owned, or REO sales to help you price the place.

It Takes More Time

Most mortgages are backed by big banks and financial institutions, which means you will likely run smack into a large, slow-moving bureaucracy when trying to buy a home in foreclosure. With a traditional home sale, you can expect to find out if your offer has been accepted within a day or two. But when buying from a financial institution this process can take weeks. So have patience and dont freak out if you dont immediately hear back from the seller.

A Different Kind of Sale

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5 DIY home sale tips

The Home Owner Building Guide - Home warranty scheme
Everything you need to know about the home building process. Series presented by Tom Williams. Part 11 of 12.

By: Queensland Building and Construction Commission

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The Home Owner Building Guide - Home warranty scheme - Video

29th June, 2014

KUALA KUBU BHARU: Home Minister Datuk Seri Ahmad Zahid Hamidi has warned security service firms which are still hiring illegal immigrants to immediately stop the practice or face cancellation of their licence.

Between September 1, 2013 and June 23 this year, 659 security guards who were illegals were detained nationwide.

And,we (Home Ministry) also cancelled the licence of eight security service companies and issued the final warning to 25 other companies for committing various offences, including hiring illegal immigrants as security guards, he said after launching the Certified Security Guards Training Programme, here, yesterday.

And to ensure all local security guards are Malaysian citizens and possess a valid identity card (IC), Ahmad Zahid said effective September 1, all security service companies must confirm with the National Registration Department (NRD), the ICs of individuals applying for a job as security guard with the companies.

The candidates for the job, he added, must present themselves to the NRD for confirmation of their MyKad through the biometric method before the companies submitted the applications for security screening to the Home Ministry and Royal Malaysian Police.

Ahmad Zahid said this measure was also in response to the various issues that arose involving the security service industry, including the quality of service, hiring of illegals as security guards and using of false identity cards.

On the implementation of minimum pay for security guards, Ahmad Zahid said it was not intended to burden the companies but to improve the service quality of their employees.

Currently, the minimum basic salary is RM900, excluding allowance and overtime payment. Their average monthly pay comes to RM1,200 to RM1,900, he said.

To ensure the companies provide the best service and at the same time would not have to wind up their business because of the minimum wage implementation, the ministry has decided on centralised certified training for security guards so that the pay increase could result in quality service.

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GAZEBOS | SCREENED IN GAZEBOS | OTTAWA GAZEBOS | BELLEVILLE GAZEBOS
Ottawa and Eastern Ontario #39;s Wooden Gazebo and Vinyl Gazebo Specialist. http://www.ncsshelters.com/pre-assembled-gazebos/ Contact us: 1-888-290-8277 If you #39;r...

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Sleeping Dogs [Part 12 - Wei Shen: Feng Shui Expert]
Just heroin. If you enjoy our videos and would like to help Thorn build a computer that can help us bring you even more, consider becoming a patron at http:/...

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Frisco #39;s Martinez clears the fences
6/22/14: Frisco #39;s Teodoro hits a solo homer in the RoughRiders #39; 4-1 loss to the Corpus Christi Hooks Check out http://www.MiLB.com/video for more! MiLB.com is the official site of Minor League...

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KUCHING: Kuching City North Commission (DBKU) has spent more than RM200,000 to replace stolen drain covers, fences and other vandalised public properties.

Kuching City North mayor Datuk Abang Abdul Wahap Abang Julai said the drain covers and fences made of metals were stolen as they were of high value.

Vandalism and thefts of public properties have been a disturbing problem and we spent over RM200,000 last year to undo the damage.

However, we have seen a downward trend and hope for zero vandalism through our community engagement programme and through educating people to respect public property, he told The Borneo Post recently.

He said they had replaced lamp posts at Reservoir Park and Museum Garden, signage as well as railings in areas under DBKUs jurisdiction.

He said the commission had resorted to replacing metal drain covers and steel fences with composite materials.

We replaced drain covers, signage and railings with composite materials which have no value so people are not interested to steal them, he explained.

They identified a few areas such as Semariang and Kampung Gita where vandalism was rampant. However, through engagement with the community and use of composite materials, there had generally been a downward trend in vandalism activities.

He also called on the public to work with the commission to look after and respect public properties to achieve its zero vandalism target.

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Costly to replace metal covers so composite materials used instead

Aaron Glantz, reporter, Center for Investigative Reporting

Robert Muth, law professor and supervising attorney for Veterans Legal Clinic, University of San Diego

Mark Brenner, Apollo Group, University of Phoenix parent company

Midday Edition airs weekdays at noon on KPBS Radio

This story will run on KPBS 98.5 FM on Saturday at 1 p.m. and Monday at 11 a.m.

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Over the past five years, more than $600 million in college assistance for Iraq and Afghanistan veterans has been spent on California schools so substandard that they have failed to qualify for state financial aid.

As a result, the GI Bill designed to help veterans live the American dream is supporting for-profit companies that spend lavishly on marketing but can leave veterans with worthless degrees and few job prospects, The Center for Investigative Reporting found.

Its not education. I think its just greed, said David Pace, a 20-year Navy veteran who used the GI Bill to obtain a business degree from the University of Phoenixs San Diego campus.

Although taxpayers spent an estimated $50,000 on Paces education, he has the same blue-collar job he landed right after he left the service: running electrical cable for a defense contractor.

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GI Bill Funds Flow To For-Profit Colleges That Fail State Aid Standards