You’ve experienced a nightmare remodel or know someone who has. But don’t let that stop you from creating the home of your dreams. Just by following some tips you can keep your hair and your health and have what you want.
1. Choose a contractor that you are comfortable with and has genuine good customer reviews. You must possess good communication skills as they will be invaluable throughout the entire process.

2. Have a plan: Know what you want before you start. Whether it’s remodeling a new bathroom, kitchen, or basement, have an idea of ​​what you want it to look like. Also, don’t forget the details that make life easier, like enough electrical outlets, enough counter space or storage for your kitchen appliances.

3. The more detail you start, the more time and money you’ll save in the long run. Keep in mind that once you have a signed contract, any changes you make may change the cost and term. If you’re not entirely sure about those details, a good, experienced contractor can help you figure them out.

4. Don’t assume the highest bidder will do the best job. What seems like a money saver at first can cost you countless headaches and extra money in the long run. It’s better to spend a little more and be ultimately worry free.

5. Make sure your contractor gives you a contract and schedule. If the contractor you’re considering hiring isn’t willing to give you a written agreement or commit to a time frame, it’s time to find someone else.

6. Make sure your contractor is licensed and insured. While accidents and damage rarely happen, it’s good to be prepared. You don’t want to be left with your bag in hand if an unforeseen mishap occurs.

7. Your contractor must obtain permits where required. Trying to cut corners by doing illegal work spells trouble. If a building inspector finds out that work is being done without a permit, the job will be shut down and fines may be imposed, and that in turn means more time and money. It’s just not worth it.

8. Don’t micromanage work. If you’ve hired the right contractor, he knows what he’s doing, and micromanaging him or his team will cause hassle and add time, which translates to more money spent.

9. Remove valuables and breakables from the construction zone. A construction zone is, as the name implies, and not a space for a favorite vase or photo frame.

10. Seal any entrances to other rooms from the construction zone with plastic sheeting and tape. While it’s nearly impossible to prevent dust from moving to other parts of the house, it’s best to keep it to a minimum.

11. Be sure to do a final inspection. Walk through the job with your contractor and together you can come up with a list of all the minor details that need to be finished if necessary.

12. Keep in mind that remodeling doesn’t last forever and sooner or later the process will end but your new space will be a source of enjoyment.

13. If your contractor did a good job (and if he chose well, he should) give you a good reference.

With increases in interest rates, it’s starting to hit the mortgage business. Fewer are looking to refinance, and real estate sales are slowing. This means it’s time to up your marketing game as there are fewer takers. With this in mind, let’s talk a bit about your online marketing and advertising.

Your new task is to reach more people to get the same amount of sales. To do this, you need to start talking to potential customers as if they were sitting with you over a cup of coffee. You know the questions lenders will ask, and now you know the questions your future clients will ask.

So with this in mind, let’s look at a sample you can customize for a website, brochure, mailing, email, or social media.

——————

home mortgages

Do you want to own your own home? Do you want to buy a bigger house? Are you shopping for a home now but need pre-loan approval to stay on track while you make an offer on your dream home? We want to take the stress out of qualifying for a home mortgage, with no surprises, no extra fees. Always working hard for you every step of the way and advising you all in advance.

Our company has 30 years of experience in the mortgage business. We do not work for a bank. We do not work for a direct lender. We work for “YOU” and we are on your side to win! We can get wholesale pricing by buying from many sources, and with lower overhead costs and the efficiency that comes with experience, you pay lower rates.

We can get you the best rate and we have the track record to prove it. If the deal is not made, we don’t get paid, so we work very hard to get you the mortgage you need and that is right for your real estate purchase.

Depending on your situation, we have several potential options – we will help you choose the best strategy for you. A lot will depend on how much you are looking to borrow and verification of your current financial situation:

1. Credit score

2. Current income

3. Outstanding debt

4. Personal Funds (Savings)

We can help you with government-guaranteed loans such as FHA, USDA/RHA (rural housing loan) or VA loans. You will have the options of a 15 or 30 year fixed rate mortgage, or an adjustable rate mortgage (ARM). If you need a Jumbo or Super Jumbo real estate loan, we can do that too.

If you’re trying to buy a home but won’t close on your current home on time, we can help you get a Bridge Loan to close that time gap. Remember: we work for you. We’re on your side to meet your real estate needs, wants, and dreams—within reason, of course. All we ask is an opportunity to earn your business.

—- —- —-

Now it’s your turn to take this sample and reorganize it in a way that suits the dynamics of your business, and then you can hit the road with new marketing to offset the temporary slowdown in the mortgage industry. Think about this.

There are many different aspects of home renovation, bathroom design. You don’t necessarily have to redesign your bathroom to get a fresh, updated look. For this house renovation, we change the look easily and cheaply.

The steps we took for this home renovation, bathroom design were:

I removed the wallpaper and painted the bathroom with fresh white paint. We use a white paint called Swiss Coffee.

Glaze white tub and shower tiles.

The old sink, vanity and medicine cabinet have been removed and these items have been replaced with updated furnishings.

Replaced the old shower door with a new clear glass shower door.

Purchased and installed new sink and shower fixtures along with new towel bars.

Re-tile the bathroom floor with an updated white tile.

To cut costs with your home renovation, bathroom design, consider glazing your bathroom tiles instead of ripping out old tiles and installing new ones. This bathroom had blue tiles in the shower and reddish-brown tiles as trim. We brought in someone who not only cleaned the tiles but also glazed them white and created a whole new look for the bathroom.

Another cost-saving measure we took was that we bought a dresser and medicine cabinet that weren’t 100% perfect. The dresser had a small chip in one corner of the cabinet and the medicine cabinet had a mark on the side. Both blemishes are hard to spot unless pointed out. As long as these blemishes aren’t easily noticed, sometimes you can get lucky and find exactly what you need at a great price. There are many kitchen and bath retailers that not only sell new products, but also have a back room where they stock less-than-perfect products available for sale.

Since this house only had one bathroom, we bought quite a few towel racks to maximize the number of towels that could be hung at one time. Our idea was that, most likely, there would be more than one person living in the house. The fixtures we bought were inexpensive but modern looking. Department stores like Home Depot or Lowe’s have a great selection of bath and shower accessories at very competitive prices.

So, don’t be intimidated when it’s time to update your home with your home renovation, bathroom design. You don’t always need to spend tens of thousands of dollars to add value to your home with an updated bathroom.

The 1004MC or Market Conditions form is a new addition to residential appraisal. It is a standard form that must be included with all residential appraisals involving mortgage loans. It’s not perfect in every way, but it’s a useful way for valuers to understand the markets. This article offers some perspectives and advice.

Personally, I agree in principle with the 1004MC concept. Real estate appraisers have long needed a standardized methodology to determine market trends. This new form was implemented on April 1, 2009 after being modified to account for the different levels of data available from local sources such as MLS. Not all MLS services across the country provide enough analytical tools and information for the appraiser to provide a complete analysis, while other MLS services are highly sophisticated. It depends on where one lives and works. The 1004MC also provides transparency into the appraiser’s conclusions about the market and gives the appraiser a much better perspective on past and present market activity.

The use of the 1004MC is still very new and it will be some time before those who fill it out and those who review the results really understand how to do it. Although it seems easy to complete (and it is), the interpretation of the raw data is much more difficult. For example, the results may show a large increase in the number of homes available on the market and a corresponding increase in the number of months of inventory. This can be as simple as the start of the summer shopping season, or it can be more complex, like a large number of foreclosed homes coming online, a new subdivision with dozens of homes available for sale, or perhaps a huge layoff that is causing an unusually large number of people to want to sell. It is up to the appraiser to understand what the market and the economy are doing to figure out the cause.

I would caution both private reviewers and state compliance reviewers to allow a reasonable amount of time (about 1 year) for industry to adjust to and understand the 1004MC, and private reviewers should realize that trying to reproduce The appraiser’s results may produce variations from what they obtained, even when using exactly the same parameters and spreadsheet formulas. It will take some time for all errors in the source materials to be resolved, and it is well known in the appraisal industry that in some MLS systems, two identical data searches even moments apart will return different data results. This can be faulty databases, faulty database recovery software, or perhaps simply data changes due to the input of many thousands of MLS users throughout the day. The 1004MC revision will be much less challenging (and potentially less damaging) if a degree of variation is accepted as normal.

Some MLS services provide an easy-to-use spreadsheet with the necessary formulas already built-in, along with a special MLS lookup function specifically for the 1004MC form, where the adjuster uses a paste function to apply the raw data to the form. spreadsheet. I want to provide some helpful tips for those appraisers lucky enough to have this tool.

One tip is to always make sure to scan the price list in the raw data run before analyzing it. Some agents include listings for sale and for rent in the same category. In other words, listings of homes for rent for, say, $800 a month can be mixed with active, pending, or sold homes for, say, $100,000. The 1004MC uses median (middle) prices, but those $800 rents don’t belong in the analysis and can drag down the true median. Appraisers can use average (media) prices when necessary and those $800 rental listings will certainly affect average prices. I have also seen prices entered incorrectly in MLS where the agent or her assistant got the price completely wrong or tried to enter a sale price that included both dollars and cents, which many MLS systems will interpret incorrectly. This does not affect the median, but it will affect the average. Be careful with your raw data and filter out information that doesn’t belong there.

Another tip is to double check when completing the foreclosure section of the form. If your MLS allows it, narrow your second search to include only foreclosed homes however your MLS describes them (foreclosures, repossessions, REOs, etc.) and then paste only those results into a separate spreadsheet for analysis. This will quickly give you REO/foreclosure trending information and will only take a few minutes.

Another tip is when defining your neighborhood, unless you are absolutely sure of the boundaries, try searching the internet for sources. Many cities have voluntary or involuntary neighborhood associations that have their own websites and often describe their territories. Spending a little time doing this and marking them on a wall map will go a long way for you, not only for 1004MC purposes, but also to better understand your city.

Another tip is to pay attention to the statistical aspect of your data. If your defined neighborhood produces only a handful of data (samples) to work with, be careful because too few samples can easily produce distorted results. A good minimum number of samples is at least 100. But if you can’t find more than 50, you’ll need to reconsider your neighborhood boundaries or carefully explain distorted or confusing analytical results.

Another piece of advice is to never “raise” your 1004MC form. In other words, don’t open an old one, insert the new data and continue. It is all too easy to forget to review and correctly check the general trend boxes and to modify other sections. Always make a new completed form.

Another tip for Windows users is to create a shortcut to your specially designed 1004MC blank spreadsheet in the taskbar at the bottom of your screen. This makes it easier to call it without having to close or minimize other windows.

Many appraisers do not have or cannot afford Microsoft Excel software. An alternative is the Calc program, which is part of the free OpenOffice.org software package. Calc is an Excel clone and has most, if not all, of the same features as Excel. So another tip for Windows users using Open Office Calc is, after you make your first spreadsheet, save it and then use Windows Explorer to find it. Before reopening it, left-click once on the file name to highlight it, then right-click and select “Properties” from the popup menu. Now search for “Open with” and choose “scalc” or follow the prompts to find and choose the program “scalc” and make sure to check the box that says “Always use the selected program to open this type of file”. Accept the change. From now on, Windows will use Calc as the default program to open your 1004 MC spreadsheets, saving you a few steps.

One last piece of advice is when your MLS 1004MC data run comes as a separate file (text, etc.) that you paste into your spreadsheet, always save your data run along with your spreadsheet. Never rely solely on your spreadsheet software to store your data. It’s all too easy to make a mistake when saving data from a spreadsheet. It is part of your working file and should be saved.

This tax season, several new clients came to me with unfortunate Roth IRA issues.

They were deceived into thinking that such an IRA was beneficial to their situation. They mistakenly contributed to a Roth after-tax plan and lost thousands of dollars, even tens of thousands of dollars in potential tax deductions.

A traditional pre-tax retirement plan allows most taxpayers to deduct their contribution to the plan. This delays taxes until retirement and the taxpayer is only taxed on the actual retirement distribution, so if the money were lost due to poor investment decisions, there would be no tax. This traditional pre-tax plan is what most taxpayers want. It is ideal for most W2 earners.

Delaying taxes with a traditional pre-tax plan has advantages other than more money now! Lots of things can happen between now and retirement that result in less taxes or no tax being paid at all!

If the taxpayer ever has a low-income year, they can do a Roth conversion with little or no tax. The investment may be lost, in which case there is no tax. The taxpayer could die, in which case he would not have to pay taxes during his lifetime. And tax rules could change, an emergency like Covid-19 could allow early withdrawal of retirement funds.

The amounts involved can be large. If the employer offers a traditional 401k on a pre-tax basis, the contribution limits are even higher than with an IRA. A self-employed person can create and fund a pre-tax MS plan with even higher contribution limits. And if the only employees are the owner and his spouse, then a pre-tax Solo 401k allows for much higher contribution limits with both individual and business contributions.

A Roth after-tax retirement plan does the opposite! Speed ​​up otherwise unpaid taxable income until you distribute the funds after retirement! Ask the tax authorities to “Please tax me now!”

It is almost never wise to speed up taxes that would otherwise be due in the distant future!

So why the hell would someone choose an after-tax Roth retirement plan or a Roth conversion (of funds in a traditional pre-tax plan)?

Well, if you have a very bad year with no job and a lot of losses, due to Covid-19 or otherwise, your taxable income may be low, zero, or negative. In a situation like this, it makes sense to accelerate future income that would eventually be taxed at a higher rate in the current low-income year when the tax bracket is low.

The problem in that situation is that the taxpayer often thinks “I did so badly I don’t need to file taxes” and never bother to meet with a tax planner to talk about it and meet the December 31 deadline for a tax return. Roth conversion. By the time they reach my office it is already too late.

Some real estate investors show negative income due to depreciation tax shelters or otherwise, and benefit by accelerating future income in current loss years.

People who are not allowed to deduct a contribution to a traditional plan might prefer to contribute to a plan on an after-tax basis if it is allowed, since there is no actual deduction anyway.

And people within a year or two of retirement may prefer to contribute to a Roth plan that doesn’t have eventual required minimum distributions.

There are other subtle differences between a traditional plan and a Roth.

However, in my experience, less than 1% of my clients would actually benefit from a Roth. The far more common mistake is choosing a Roth plan without fully understanding the tax costs.

So consider meeting with a tax professional before the end of the year, particularly during bad years when tax collection of losses can help turn lemons into tax lemonade. If your friends or family are doing badly or closing deals, ask them if they have met with a tax professional before the end of the year.

And don’t make the all-too-common mistake of choosing an after-tax Roth retirement plan before you have a discussion with your tax professional to make sure it really works for you!

It seems like it’s not important to know your exit strategy (what you’re going to do with your pre-foreclosure home after your offer is accepted) when you first sit down to share your pre-foreclosure information with the seller and before they even sign the Purchase Agreement. But it is not like that.

Important Pre-Foreclosure Information After Acceptance

What you are going to do with that property before foreclosure is just as important now as it will be when the bank accepts the offer.

– If you buy the house, where will you get the money?

– If you borrow the money, how much cheaper do I have to get the house to repay the interest?

– Are you going to lease/rent or sell the property after the rehabilitation?

– Are you going to do the repairs?

– If you don’t want to do the repairs, who will?

– Do you have a list of people who would be interested in buying the house if you are not?

– Where would you find people who would buy the house if you didn’t?

These are all important questions and you should think about them all the time you are working on the pre-foreclosure track. Once the offer is accepted, you generally have 30 days to close the deal. So time is of the essence.

If you have most of these questions answered and the pieces in place, it’s much easier.

We’ll take them one at a time.

1. Yes, you will buy the house before foreclosure and do the repairs yourself. And you don’t have money, but you have experience in rehab.

Buying homes before foreclosure is a great way to build your property portfolio and increase your net worth. You can get the money from a private lender, a hard money lender, or a mortgage company.

Using a Private Lender When Purchasing a Pre-Foreclosure Short Sale

A private lender can be someone in your family or circle of friends who knows you’ve done some rehabilitation, is interested in increasing their own income, and believes in you. They may lend you the money at 8% because they currently only get 4.5% in a money market account. Great deal!

It will simply show them that their money will be safe through a first mortgage on the property and that you will buy it for less than 70% of the after repair value (ARV) or after the value and fair market value are fixed for the neighborhood.

They can lend you the cash directly or from your self-directed IRA (more on that later) where the money is not taxed.

Using a hard money lender when buying a pre-foreclosure

A hard money lender charges a higher interest rate and usually targets up front. (Each point is 1% (percent) of the loan amount). They may or may not look at your credit, but they generally don’t want this to be their first deal. They want you to have experience rehabbing and buying property, making them feel more secure when they don’t know you. They usually don’t ask for a credit report. They are lending because there is equity in the property and they will foreclose on the property if you do not make your payments.

Another way to build trust with your lender is to provide them with even more pre-foreclosure information. Sign an advance deed with your private lender returning the property rights to your lender if you default on your payments. The deed can be held in an attorney’s or Title Company’s escrow account, if necessary.

Giving your lender options shows that you want to make sure your investment is safe and is a great way to keep them wanting to lend you more money!

An urban area is an area with a population figure of more than fifty thousand people living within it. If the population is less than fifty thousand, it is called a group. Most of the world’s urban cities are under 24-hour security surveillance to ensure the safety of lives and property in that particular area. What other things can qualify a city to be classified as an urban city other than population? Some of them are:

1) Adequate water supply: Adequate quality water supply is a must in any urban city. It is really unfortunate that this is not the case in Nigeria, as most Nigerians rely on wells or streams for their own water supply, and these types, in most cases, go untreated.

2) Constant power supply: This enhances the beauty of the city because when it is night, everything will be illuminated, thus improving visibility.

3) Good transportation system: There must be an efficient transportation system in an urban city and motorists and other road users must obey the traffic rules. When this is done, traffic jams and avoidable accidents can be warned.

4) Housing: One of the main causes of urbanization is the movement of people from rural areas to the city. With this in mind, a good leader should see this as an opportunity to expand the city and erect well-planned modern houses in specific locations to accommodate the influx of people coming to the city. Although this increase in population is increasing, and that is the reason why today there are high-rise buildings in many cities around the world. This is a step taken to accommodate the growing population in cities, and this is where the real estate investor comes in. There will never be a time when the government can provide housing for all citizens. But with the efforts of real estate investors, along with the government united, there can be better housing for the population and also investment opportunities for the real estate investor, which translates into more money coming into their bank account. . .

At the end of it all, the man from the village to the urban city will be happy to have a beautiful accommodation where he lives, the real estate investor will be happy because the cash is coming. At the end of it all, the parties will be happy, and that is a sign of good business. Remember that while investing in real estate is a business, it is also about adding value to life. People are willing to pay any amount to have a comfortable accommodation. Where you live raises your profile to the general public and that is the reason why real estate investors or individuals cannot be left out when it comes to human life.

Brandi Brand is Director of Sales for Breakwater Mortgage in Virginia

Beach, Virginia. Brandi and her husband, Scott, also rehab and resell

real estate investments in southeast Virginia. the next interview

consists of common questions that real estate investors have right now,

when mortgage interest rates appear to be on the rise.

Q: What is the general holding of the real estate and mortgage industry in

Virginia at the end of 2005 and before the first quarter of 2006?

A: The local market has slowed down in Virginia for the last six months.

Homes stay on the market longer. This means that there is more time

involved for real estate investors who want to sell.

Q: Are the real estate and mortgage markets headed for a recession?

so?

A: The market is still very strong despite a slight decline in activity. In

Southeast Virginia home sales fell about 3% in

November 2005, indicating a slight adjustment.

Q: Is it a buyer’s market now?

A: Currently, the market is stabilizing. When it was a seller’s market,

contracts were signed on houses and property before anyone had one

opportunity to think through the purchase completely. Now investors have the

opportunity to quote the repairs and renovations necessary to obtain the

most return off property.

Q: Is it a good time to buy?

A: Yes. The market is adjusting and there are great deals for

the real estate investor. You can always find good deals. Year

investor is looking to buy a property below market value, that is

how they make profit Buy a property with aesthetic problems,

rehabilitate and resell is a strategy. Other good deals can be found.

with Properties for Sale by Owner.

Q: What makes the Virginia real estate market different from, say, the

market in the northeast?

A: In general, the Northeast market is more expensive than the

Southeast, with the exception of Florida. royal southeastern virginia

Real estate is more affordable, so investors come from the Northeast to buy

here.

Q: What do mortgage lenders look for when considering issuing loans?

for real estate investors?

A: A mortgage lender is looking for a strong employment history and six

times the monthly payments on assets left over after paying the money owed on

closure. For 100% financing, the applicant may be required to have a

Credit score of 680 or higher. Ideally, lenders would like to see two years of

experience in renting properties if the real estate investor is trying to

buy multiple properties. On average, a property that brings in a

return of at least $200.00 per month (for maintenance and repairs) is

considered a good investment. For new investors, banks will be

inclined to limit the investor to two properties in the first two years.

Q: What are the best real estate markets to invest in?

A: One of the highest areas of real estate investment is near the military.

the essential. Southeast Virginia has a large number of bases. soldiers in his

own often prefer to live at the base of hoses. Those with families often choose

to rent in order to have more privacy or a patio.

Q: What are the current trends in real estate mortgage financing?

investors?

A: Before the summer of 2005, many investors chose interest

2-, 3-, or 5-year Adjustable Rate Mortgages (ARMS) or loans only that

requires little up-front money. Most investors buy a property with 5

years in mind. Home values ​​will continue to rise, but

investors view 30-year fixed loans as stronger while interest rates

they are on the rise. Young investors seem less concerned about the rise

mortgage rates. Many experienced investors remember when interest

rates were 13-14%, but investors under thirty have not seen comparables

interest rates during your adult life.

Q: What are the refinancing trends for real estate investors?

A: Many investors choose to refinance by going from a short

term mortgage a long-term loan. Investors with rental properties

lock in rates with 30-year fixed loans. investors who want

rehab and resell the property will be refinanced to get cash for

Other real estate investment. Overall, the refinancing boom has

decelerate.

I watched a very disturbing and insightful video about drugs, the CIA, and US government corruption last night. The title is CONSPIRACY, THE SECRET STORY, THE SECRET BEAT OF AMERICA – The CIA and drugs. New Science Ideas is the producer. Every American should see this video.

It seems that people abroad know more about the CIA than most Americans. Of course there is a reason for this. Our media is censored in the name of “national security” matters. National security, as you’ll learn, is a topic that pops up in the strangest of places.

Doping America costs us more than $16 billion a year and has killed more people than the Vietnam War. Who benefits and who is responsible? Follow the money.

Ironically, when First Lady Nancy Reagan would say, “Just say no to drugs.” the CIA and Barry Seal brought them from Medellín, Colombia. The agency used money from the cocaine it once sold in the US to buy and bring weapons to counterrevolutionaries in Nicaragua. Oliver North was heavily involved in the fiasco.

Anyone in Mena, Arkansas who tried to expose this ring of corruption, including the lead prosecutor, was threatened or killed. When two young men saw a drug drop next to the train tracks in Arkansas, they were immediately run over. The cover-up ran through the local and state government. President Clinton was the Governor of Arkansas at the time. He played along by keeping quiet and later got a lot of drug money donated to his presidential campaigns.

President Bush was no less guilty as a former CIA director. His watchful eye and his reading of CIA reports, which he, as a former president, still reads on a daily basis, make him equally responsible during his tenure as vice president. At least they understood that word vice, right?

The people who caused the cocaine epidemic that swept the nation during the 1980s were not African Americans from the ghetto. Many of them in those days could barely cash a paycheck, let alone smuggle drugs into the country by plane. When the US has satellite technology capable of reading what is written on a golf ball, there should be no difficulty in tracking drug dealers and bin Laden. That is unless you are covertly working with them.

A three-year investigation into the life and times of Barry Seal, one of the most famous CIA agents and successful drug dealers in American history, has revealed the extent of government corruption across the United States.

When Mena, Arkansas, was discussed during the Oliver North trial, suddenly everything was locked in enclosed spaces away from public view. Because? What does the government know that it doesn’t want the American people to know?

When international drug distribution organizations become vertically integrated throughout our government, there is room for concern. Dan Harmon was involved in local obstruction of justice in Saline County, Arkansas. He was charged and found guilty on 5 of 11 counts. Sucking on the teat of shameful secret government operations, Harmon was never charged with murder in the two train deaths. After his release from prison, Harmon was promoted. I guess it pays to stay connected and play along.

New Orleans attorney Sam Dalton poignantly said: “When the government gets involved in activities like the CIA and starts warning about natural events and the natural course of history, that’s where the government itself becomes the criminal. This is all hiding in plain sight.” If you want a scandal, research the net worth of retired DEA agents and fix it. If the American people don’t get the government to start behaving soon, we’re going to reach the point of no return.”

With Barry Seal and the CIA working the drug trade, they found some obedient and cooperative governors in the Deep South. Hence the list of subsequent presidents elected from the south.

The FBI went to the New Orleans police office and seized the trunk and left with it, when Barry Seal died. The state judge had to back attorney Sam Dalton and hold the FBI in contempt of court to get the evidence he needed for discovery. Sam Dalton also wanted to subpoena the CIA, but he couldn’t do it.

Jaws doesn’t end until the sheriff meets the shark. Mena, Arkansas, proved to be the largest drug delivery point in the entire country, a $130 billion dollar industry. Apparently, it’s easy enough to finance a government sting operation when the entire airport staff is willing to play along. Woodward writes about the CIA’s secret wars 1981-1987. The Clintons were partners in power.

To see the real culprits look around the periphery, not the smoking gun, but the bent twigs. Be aware of deaths, layoffs, threats, and attacks on people you know. Dan Lasater, a convicted drug dealer, was a big Clinton supporter. Jerry Parks, the head of Governor Clinton’s security detail, was killed in a hail of gunfire after telling his associates that he was a dead man a month after Vince Foster’s death. Arkansas criminal investigator Russell Welch was sprayed in the face with military-grade poisonous anthrax to investigate the cover-up.

Arkansas State Coroner Bobby Malick (an Egyptian) played along by claiming he never made a mistake in 7000 autopsies. When the two young men who were killed on the train tracks by seeing a drug drop, Malick claimed it was suicide. When the parents didn’t believe him, he decided to tell them that the children had high amounts of marijuana in their systems. However, the second autopsy revealed that stabbings had occurred along with a bruise to the face from what appeared to be a rifle butt. The children’s lungs had 3 times the normal amount of blood, indicating that they did not die from the impact of a train.

Sheriff Jim Stead, another participant in the cover-up, called it a thorough investigation. The boy’s mother disagreed considering that her son’s foot was left lying on the train tracks for 2 days. The green tarp seen by many after the train crash also cast doubt on a government cover-up.

Prosecutor Jean Duffey was one of the few who did not play along. They threatened her and she finally ran out of town. She thought her life was in danger and she moved to Houston, TX, where she now teaches high school geometry. Duffey was appointed to head a federally funded drug task force in Arkansas. The day she was appointed, Gary Arnold walked in and told her that she was not to use the task force to investigate any public official.

Duffey was put in charge of half a dozen undercover agents. They couldn’t buy much more than on the street, but when they started connecting public officials to protect drug dealers, Dan Harmon’s name popped up immediately and more frequently. The train deaths became the most famous unsolved mystery in Arkansas history. It received national attention and 1,000 newspapers wrote about it. However, potential witnesses turned up dead.

The drug drops from low-flying planes, which local residents reported hearing many nights, were never investigated by any law enforcement agency in the district. The drugs were being dumped in the same neighborhood where Kevin and Don had been killed along the train tracks.

Prosecutor Jean Duffey was the target of a smear campaign. Basically, he was getting too close to the seventh judicial district. Hence they fired her to cover her ass. In 1991, drug task force undercover agent Scott Loellen resigned, saying, “There’s too much dirt behind the scenes.” He served in Saline, Grant and Hot Springs counties. He later badmouthed the drug task force saying, “That district is mired in a reign of corruption that has significant and powerful connections to political, judicial and law enforcement officials.”

As an undercover officer, Scott gathered evidence of illegal activity, but for some reason the drug task force ignored him. He resigned due to the firing of Jean Duffey, the administrator of the drug task force.

In June 1990, Dan Harmon became the district’s attorney-elect. Harmon’s first press conference and interview was used entirely to discredit Jean Duffey, who was eliminated and forced to flee to Houston, TX as her life was in danger.

Prosecutor Dan Harmon was on the trail the night the boys were murdered. The state police weren’t doing his job either. The mothers of the deceased children were promised convictions in the 1990 federal investigation, when Chuck Banks suddenly shut down the investigation in June 1991.

Other bits of evidence that tie it all together was the fact that in the 1980s a former top CIA official had a second home in Medellin, Colombia.

Some other juicy tidbits of information. Oliver North’s first national program office was at Laguna Airfield, where 1,400 pounds of cocaine was found on the runway.

CIA-owned and operated Southern Air Transport provided the agency with a subcontractor by plausible deniability while they were engaged in the drug and arms trade. The privatization of US intelligence is the way the agency works.

The British version of 60 minutes, The Big Story, showed the trail of drug smuggling and arms trafficking that led to the door of the White House. He exposed clumsy government cover-ups spanning seven investigations and some long, frustrating years. The show revealing the cocaine connection was immediately banned in the US within hours of its release.

During the days of Oliver North’s trial, some 500 documents were shredded in 3 days. All our enemies knew it, but North wanted to hide it and hide it from Congress. Even surfers in Nicaragua named a surf spot after him at the agency base there. As for Mena, Arkansas, it was home to Operation Black Eagle, the most massive covert operation in United States history.

1101 Mena St. is the location for the secret history of our life and times as a drug and arms trafficking nation. It is a small obscure town in western Arkansas with a population of around 5,000 people. With no tower and flight monitoring, Barry Seal found that Mena was the perfect place to fly in and out without being searched. Barry brought as much as $5 billion worth of cocaine into the US during the 1980s. Mena was where he based his cargo airline and parked his one of three C123 planes that made trips to Colombia and Nicaragua.

The mere mention of Mena has sent shivers down the spine of government propaganda officials for years. It’s nice to see Democrats and Republicans working together on something. America’s doping is truly a bipartisan cover-up.

If in case you cannot sell your house, it is a better option to rent it. The lease will actually still earn some income from that investment. Although finding a good tenant can be a daunting task, it can be easier if you know the basics before you rent your property. The article analyzes the main things that a landlord should know before renting the apartment.

Determine how much rent to charge

Since renting is about earning money on the invested property, the amount will be set accordingly. Knowing the current market value can be a great idea. You can check newspapers, neighborhood rental signs, online resources, etc. know the exact value of the lease. Remember, it is very important to set a reasonable lease amount because incorrect or excessive demand may not provide you with the right tenants. And, if you do get them, they may not like staying in your property for long because of the incorrect lease value.

Know your tenant

However, renting to someone known as your friend or relative gives you a guarantee of their goodness, but most of the time it is difficult to enforce the terms of the lease. So it’s better to find someone outside your circle to rent your house. There is certainly a risk in doing so, but that can be avoided if you properly screen your tenants.

• Know your family history.
• Know the size of the family
• Get an idea of ​​the behavior of the previous residence.
• Consult the occupation and financial status of the tenants.
• Consult if they do not have outstanding credits.
• Check criminal records.
• Find out if you can connect.

know the laws

Being an owner, it is not necessary that you can rent it the way you want. You certainly need to know the laws to make the deal efficiently. Therefore, you can consult a certified agent or an accountant to learn about housing laws. Because professionals know even the minor laws related to leasing a property.
Also, make sure you don’t get involved in verbal or informal agreements. It can get you in trouble. And, doing something so informal may not allow you to enforce the lease terms on your tenants.

Get your property insured

It is very important to make the insurance. Please note that there is a separate insurance policy for homeowners and renters. However, a rental insurance agreement will include legal costs, house structures, damages, your belongings, the tenant’s belongings, a list of necessary repairs, etc. This policy actually protects you from paying large amounts, if something unexpected happens.

Eventually, renting an apartment is a responsible task. A landlord should know the basic and important things to consider before renting an apartment to avoid future misfortunes.