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Constructive Evictions (Residential)

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What would you do if, following your signing of a residential lease in all good faith and your taking possession of the premises, you were suddenly faced with a condition that made your premises uninhabitable? What would be your remedy if your landlord, by his or her action or inaction, either created the situation or refused...

Five Tips For Safe Space Heater Use

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(BPT)  During the coldest days of the year, space heaters are one of the easiest, most efficient ways to get warm fast. However, when not used correctly, they may also be one of the most dangerous.

Space heaters accounted for 40 percent of all home heating fires and a staggering 84 percent of home heating fire deaths, according to research from the National Fire Protection Association. And, as you might expect, these tragic accidents most often occur during the year’s coldest months. The same research finds nearly half of all home heating fires occurred in December, January and February.

While these facts are sobering, it doesn’t mean you need to avoid using your space heater to...

Deal Savers

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You would totally appreciate your mortgage advisor if you knew all that goes into getting a mortgage loan today. There are numerous programs, underwriting guidelines, processing strategies and systems, rate-lock strategies and, last but not least, working with and coordinating the many professionals involved in a deal to get to the closing table.

Mortgage players: The major agencies that buy loans are Fannie Mae and Freddie Mac. Government entities such as FHA and VA insure loans according to their specific guidelines. Large institutional buyers buy pools of the larger loans, which go from standard to alternative lending situations. Every loan is different, and when specific loan...

Mitzpe Ramon: Not Just a Resort Town

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When I mention the name Mitzpe Ramon to most people, the first thought that comes to mind is either the Ramon Crater or the luxurious Beresheet hotel and spa. Undoubtedly, these attractions deserve all their accolades.

Clients who have visited the Beresheet spa, an ultramodern, pampering, five-star resort hotel perched on the lip of the Ramon Crater, cannot stop gushing about their memorable experiences. I have been told that a few days spent relaxing in Beresheet is the perfect antidote to all of life’s stresses.

The other extraordinary attraction in this southern Negev town is the Ramon Crater, known to Israelis as the Machtesh. The Machtesh—a valley surrounded by steep...

Title Insurance

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Title insurance is used to protect homeowners as well as to protect lenders when a mortgage is involved in a purchase. It is also used when a property is refinanced. There are two components of title insurance: the title search and its underwriting. Title insurance protects owners and lenders against property loss or damage due to defects in the title. Examples of defects are fraud, forgery, improperly recorded documents, liens, easements, encroachments, encumbrances, claims of ownership by other persons, and any other items that are specified in the policy.

In the search process, property records are examined in order to verify that the person or people who claim to own the property...

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