A home is a place to seek comfort and security temporarily or for most, a lifetime. Therefore, a house is probably the most significant and valuable item that you can purchase. Unfortunately, the most valuable transaction is also one of the most misunderstood.

property 300x225 Managing Your Home Deals and All Those TaxesThe simplest but most important aspect of a residential real estate contract that everyone has to understand is that it is not binding unless it is put in writing and signed by both the buyer and the seller. Before buying a house and signing that precious contract, look around first, know the house’s history, and observe the local community. Don’t sign right away and have a licensed engineer, inspector, and exterminator scrutinize the house. It is not shameful to inspect something thoroughly before you put money into it.

The law requires the seller to maintain complete disclosure of the house’s condition to the buyer or be forced to give a $500 credit. Sellers have to provide an answered questionnaire with a total description of the home’s various aspects. A Nassau County buyer should be aware of asbestos issues, underground oil tanks, and lead paint from old houses.

A title company representing the buyer will conduct a property search once the contract is signed. The title company will ensure the smooth transfer of the property from the seller to buyer, and guarantee the legitimacy of the property ownership. Nassau County residential deals have this familiar setback of the seller not having a Certificate of Occupancy or Certificate of Completion for the house. If the seller does not have either of the two certificates, an expediter is recommended to make the legality of the house possible. If you want to find out whom currently owns a certain property in Nassau County, you should go to the County Clerk’s office personally because this information will not be given on the phone or online.

For the financing of the house, buyers can attain this through mortgage companies or banks. The buyer will submit tax returns, financial records, and bank statements with the application before the bank decides to lend money to the buyer. Both State and Federal laws affirm that no bank should discriminate buyers based on their color, sex, race, disability, religion, national origin, and familial status. If your civil rights have been violated while buying or renting a home, you can file a housing discrimination complaint. Specialists will determine if the violation was against the Fair Housing Act.

Closing a deal means the seller has presented the clean deed and title of the house to the buyer and the buyer gives the seller the equivalent and agreed amount of money stated in the contract. Before the deal is closed, the buyer should inspect the home again and see if it is in the condition stipulated in the contract’s agreement.

The adjustment of the taxes is done at the closing. Adjustments still depends on the terms of the contract. The computation of tax in the state of New York is usually at a rate of two dollars for each $500 of consideration or $4 per $1,000 of consideration. Transfer tax is usually paid by the seller. The real property tax for a one to three family home or condominium in all counties of New York is 1% of consideration for $500,000 or less, and 1.425% of consideration for homes exceeding $500,000. Transfer tax of multi-residential property, commercial property, four to six family homes, and vacant lots is 1.425% of consideration for $500,000 or less, and 2.625% of consideration for properties more than $500,000 in worth.

If the property price is $1,000,000 or exceeds it, the seller or grantor normally pays the transfer tax while the buyer pays the mansion tax. The tax rate for this price is 1% of overall consideration. If you’re asking about mortgages, the mortgage tax in Nassau County is 1.05%. If it is a one to six family home, the lender will contribute the 0.25% of the tax unless they are exempted. The borrower may have to shoulder the total mortgage tax. A one or two family home may benefit from a 0.30% deduction of the home’s first $10,000 mortgage.

If the seller is exempted from tax or doesn’t pay it, the buyer should pay the tax. If the buyer is the one exempted from paying tax, the buyer must pay it. However, there is an additional 1% real estate tax which must be paid by the seller and if they are exempted, the buyer shoulders it.

Now you already have your property but there are slight changes you want to apply. If you want to remove or add your name on a property deed, you must contact a lawyer. Property deeds can’t be altered. You have to file a new deed at the Nassau County Clerk’s office. If you need assistance with the document filing, you must always have a legal advisor. You can also ask for a copy of your mortgage or deed at the County Clerk’s office.

Certificate of Occupancy, survey, and title reports are not available at the County Clerk. You must seek help from your village or town for the survey’s copy. The title report of your home is generally done by an independent company.

Now, we are finally equipped you with enough Nassau County real estate transaction information. Deals won’t be so confusing anymore and another weight is lifted when you are looking for a place you can call your own. Let us help you find that dwelling without the headaches and baggage. We will make it easy for you.

One stop shop for residential or commercial properties in Nassau County property search

 

Portable Storage containers Saving Money through Portable Storage ContainersMost of the things in this world are uncertain, especially when it comes to the real estate market. Nowadays, most people want to save money. This is because of the ever-changing state of economy. One of the best ways of getting by in this harsh economy is downsizing. One of the reasons why most people do this is save themselves from the hassles of unreasonable mortgage. Some also do this because they thing that owning a large house is not reasonable anymore as it comes with a lot of expenses. Therefore, most people consider selling their homes and purchase a smaller house or condominium instead. This is where portable storage containers come into the picture.

While downsizing is always a viable option, there are few other ways in which we will find ourselves facing some problems with our personal property and household goods when moving to a different location. There will always come a time that a person needs to move out of his or her present home and transfer to a new location. Because of this, some people will likely face some issues storing their essential belongings if they have happen to transfer from a bigger to smaller location.

When face with this dilemma, most people will likely locate one of those traditional storage units. Most people find this solution unreliable as they are inconvenient and expensive. Some people even move twice or thrice in their lifetime. Loading and unloading large and heavy items from traditional storage units can be very challenging. It will not only take some time, but can pose some risks to your items.

Nowadays, most people are using portable storage containers to store their important items when the temporary need arises. There are many self-storage companies offer secure portable containers that they personally deliver to any place that you specify. You can rent these portable containers on a monthly basis and you will likely agree that the cost is a lot cheaper than spending on traditional storage units.

Why Portable Storage is Important

    • If you are downsizing, you can keep the portable storage containers right on your property. This will help you save a lot of money since you don’t need to contact a moving truck each and every time you need to transfer large and heavy items from one place to the other. Also, you will have all your important items handy when and if you may need something.
    • The portable container is also easy to move. If for some reason that there’s a need for you to move the container, you can simply contact the company to have the container moved to a different location.
    • In case you’re a frequent mover, you can have the container moved to anywhere in the country. Most people say that things and time change. In case that you find yourself in a similar situation, making use of portable storage containers can provide you with a lot of advantages. It’s a lot easier and more convenient than hiring a moving truck and getting your items from one traditional storage unit to another.

For you to know more about portable storage containers, you may need to contact the nearest self-storage company in your area. You can check their websites to know more what they can offer. It will also help a lot if you can get a quote right off the web.

Recently, more and more people realize the importance of portable containers. Hence, more and more companies are getting into this type of business. Therefore, you need to some research first before contacting a storage company. This will help you narrow down your options and ultimately choose the company that suits your need and budget.

Are you new to golf? If you’ve had the time, you would have probably noticed how there are so many different clubs to choose from. What’s a wood? How does it differ from a wedge? And why is the putter so different? This article aims to help you to pick and understand the differences between the various clubs.

Golf bags TaylorMade Golf Newbie Tip: Choosing Your First Golf Club SetA modern golf club set usually includes 3 woods, at least 1 hybrid, 7 irons, and a putter for a total of 12 clubs. Golf rules state that you are allowed to have up to 14 clubs in your bag, so most golfers take an extra hybrid or wedge with them. Each tool is important and has a specific job in reaching your goals.

One of the best-known brands available on the web is TaylorMade Golf. As with any other hobby, investment on good equipment is fundamental. However, it’s important for you to know the different options available for you, and which ones are the best for your specific tasks.

Woods

Woods are used when shooting at least 175 yards away from the green. These clubs are hollow-bodied and large-headed. There are 3 primary woods: the 1-driver, the 3, and the 5.

The 1-driver, also called a driver, has the lowest loft (angle of the club) among the three. It has an angle of between 7 to 12 degrees, allowing golfers to cause the ball to travel a longer trajectory. As beginners, you may want to use higher lofted drivers with 10 degrees angle or more, because this doesn’t require as much skill as lower lofted ones. Additionally, higher-lofted drivers give higher launch angles, resulting in farther ball drives.

The 3 wood has a 15-18 degree angle, and a 5 wood has a 20-22 degree loft. The higher the wood number, the higher the loft, and the shorter the club shaft length. Both 3 and 5 woods are called fairway woods, while all higher lofted woods are the utility woods. The club shaft length is shortened to decrease arc swing length and provide a longer distance to the shots.TaylorMade Golf recently introduced a mini-driver that aims to replace the 3 wood. It can give a long shot from the tee and from the fairway, effectively acting both as a driver and as a 3 wood.

Irons

Compared to woods, irons are better for shorter range shots. If you are 200 yards or closer to the green, higher irons should be used. Standard iron sets include 3, 4, 5, 6, 7, 8, 9 irons plus the pitching wedge (PW). Lower irons are usually harder to hit. Many golfers, especially women and handicap players opt for 7 and 9 woods over 3 and 4 irons. Beginner golfers should also consider this option. Higher lofted woods are easier to hit than lower numbered irons, and both result in equal distances.

Hybrids

Hybrids are a combination of long shaft (low numbered) irons and fairway woods. Commonly called as the ‘best of both worlds,’ hybrids provide both long distance and high forgiveness. The main characteristic you should consider is loft, which is similar to wood lofts.

Wedges

Simply put, wedges are special irons. The pitching wedge (PW) is the first wedge, having the highest lofted iron and the lowest lofted wedge in a standard set. There are 5 types of wedges: PW, approach wedge (AW), sand wedge (SW), lob wedge (LW), and high-lob wedge, increasing in 4 degree increments. The blade design of wedges enhances shot control and shaping, which are more important the closer you are to the green.

Putters

TaylorMade Golf was recently awarded at the PGA Professionals National Championships in Myrtle Beach as the #1 putter. The putter’s specialty is getting the ball in the hole. It is used when you’re in the greens and need to ‘putt for dough.’ There is a wide variety of putters available for different players, but in the aforementioned tournament, the Spider Putters by TaylorMade Golf were a favorite.

Author Bio:
Bags, bags and more golf bags! One thing is for sure, when it comes to golf bags this Caveman has what you need. Whether you enjoy rolling through the links on a cart or would prefer to hoof it to the green, I have the golf bag for you! Planning a trip so you can swing those golf clubs someplace new? Then be sure to check out my golf travel bags to protect your most prized possessions!

Electronics and appliance stores are deluged with gadgets and devices that seem to be able to address just about every audio visual or data and communication requirement imaginable. There seems to be an off-the-shelf solution for any application effect or outcome one can think of, whether it is playing mp3 audio files, or even detecting radon in your home. There are, however, rare occasions when no commercially-available product actually exists to fit the bill of some specific requirement that may arise.

printedcircuitboard DIY Printed Circuit Boards could be FunOne may need to be able to activate alternately flashing strobe lights, or to enable a motor home’s sound system to provide noise-cancellation outputs, or simply to augment a home appliance by adding a DV-power outlet for USB chargers, and not be able to find anything in a store or mail-order site that does exactly that.

When this sort of thing happens, one’s only recourse is to contract someone to build such a device. He may also decide to build it himself. This would mean having to make your own printed circuit board and mounting all the proper components on it. Although this may sound like a daunting task, it isn’t really all that difficult, and could actually be a lot of fun. There is also the great sense of satisfaction you will experience at the end of any successful do-it-yourself project, that is, if it really does go well.

The first step in making the printed circuit board for your one-off electronic gadget is to develop or source the necessary circuit diagram. There are now websites from which hobbyists can download circuit diagrams and parts specifications for home and shop projects. Before deciding to proceed with one of these projects, it is best to ascertain that all the required components for the devices can be sourced.

When shopping for the electronic components, it is also useful to buy the necessary copper clad board needed for making the printed circuit board, and the ferric chloride solution needed for etching the circuit. Of course, it is necessary to have a drill and the appropriately sized drill bits to make the holes that will admit the electrical contact pins of all the components that you need to mount on the board. Needless to say, the hobbyist should have a soldering iron or gun and an ample supply of solder.

The downloaded or custom-designed circuit diagram should now be transferred to, or drawn directly on the copper clad board with a permanent marker or any means of masking the areas defined by the copper circuit. Some computer printers have the ability to print circuit diagrams on specially made copper clad boards, thereby simplifying the entire process. Once the diagram is made, the entire board should be immersed in a ferric chloride solution to etch the circuit.

The copper on the exposed surfaces of the board reacts to the solution to form a copper chloride compound, displacing the iron which precipitates into gunk in the liquid. After washing off any remaining solvent, the ink of the permanent marker is now wiped off with acetone or some other solvent, – revealing the copper surface of the printed circuit.

All that remains now is drilling the holes on the printed circuit board at the designated points using the correct drill bits, so that the holes for components will fit the contact pins snugly when they are put in. Now, the components such as transistors, integrated circuits, diodes, resistors, capacitors, wire connectors, and everything else are mounted on the back side of the board, and soldered securely onto the copper surfaces on the front side of the board.

It may also be useful to drill larger holes at the corners of the printed circuit board to allow it to be mounted in whatever casing it was meant to be inserted in. Such projects may be far from rocket science, considering how complex present-day circuit boards have become, but they offer a lot of fun and personal fulfillment.

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