Sunday, September 30, 2012

Buying a short sale with an hoa lien - Zillow Real Estate Advice

If you are purchasing title insurance, your title company will perform a title commitment prior to closing. This should tell you what liens are outstanding on the property. Your title insurer won't sell you a property with known outstanding liens as they could become liable for them.

Often HOA's will charge a fee for this information and I am guessing the sellers don't want to incur the fee until they're absolutely sure the sale is closing.

Source: http://www.zillow.com/advice-thread/Buying-a-short-sale-with-an-hoa-lien/461910/

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Off-color remark lands ice cream maker in hot water

By Ben Popken, NBC News contributor

The CEO of a 100-year old Montana ice cream maker has offered to resign after he?made what was perceived to be a racist remark on the company's Facebook wall.

The brouhaha began when a self-identified Muslim customer?asked on the Facebook page if the Wilcoxson Ice Cream contained pork in the gelatin used to make it.

?We don't deliver outside of Montana, certainly not Pakistan,? CEO Matt Shaeffer wrote back.

The customer replied that?the comment was ?rude? for assuming he lived in Pakistan. Underneath the customer's name on Facebook it says that he lives in Sheridan, Wyo.,?an area to which the wholesale ice cream maker does deliver.

Shaeffer told NBC News he is sorry for what happened.??It was never intended to offend,? he said.

?I was wrong,? said Shaeffer, whose company, in addition to local customers, has supplied ice cream to?Yellowstone National Park since the 1920's.? ?I should have just answered the question.... I don't want to be the one who took down a 100-year old company because I made a stupid comment. If necessary, I will resign.?

The whole dust-up appears to be?a case of mistaken assumptions and late-night Facebooking gone horribly wrong, Shaeffer believes.

A?screenshot of the Facebook conversation was posted on popular link-sharing website Reddit and soon made the rounds on news websites, blogs, and forums. Users flooded the company's Yelp page with one-star reviews and angry comments, driving down its Yelp rating. The company's Facebook page is down now too, taken offline by Shaeffer because of nasty remarks and coarse language in the comments.

The internet outrage centers on the belief that Shaeffer intentionally made a racist joke. But he?told NBC News that?before responding, he clicked on the user's Facebook profile and saw under the ?Map? box a recent ping showing a location in Pakistan.

That feature usually indicates the geographic location of recent updates made by the Facebook user. Responding to the comment at 10 p.m. after a long day of work,?Shaeffer said he mistakenly assumed the customer was from Pakistan.

By 4:30 a.m. the next morning, the company's Facebook page had already filled with hundreds of ?derogatory? and ?nasty? messages. Now after several days of bouncing around the Internet, the rage bandwagon hasn't shown any signs of stopping.

?It's a mistake to view this as an online-only problem,? said James Alexander, founder and CEO of Vizibility, a New York-based online reputation management startup. He said this?has the potential to ?jump out of Facebook to become a full-blown crisis.?

Alexander told NBC News he questioned Wilcoxson's choice to take down the Facebook wall. He noted that Facebook has several tools for managing comments on your company Facebook page, like manually deleting inappropriate comments, changing settings to filter out comments with foul language or hate messages, or even even turning off comments and posting a message saying you're disabling comments until the conversation cools off.

He? recommended that the company post a full statement online to apologize, explain itself, and make things right. But the key thing is to communicate.

?To withdraw from a conversation that's about you really requires some hard-thinking,? said Alexander. Just because you take down the Facebook wall, ?doesn't mean there isn't a hashtag? about your company on Twitter.

Lost in the mix is the answer to the original question. Wilcoxson's ice cream contains only Kosher gelatin, which doesn't use any pork products.

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Source: http://bottomline.nbcnews.com/_news/2012/09/28/14140191-off-color-remark-lands-ice-cream-maker-in-hot-water?lite

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Saturday, September 29, 2012

How Campaign Ads Are Affecting This Undecided Voter

A small sliver of the voters will determine the outcome of a tight presidential race. Yahoo! News asked a handful of undecided voters to keep a running diary: What news stories and events are coloring their choices?

COMMENTARY | Political campaigns can be run with integrity or without shame, and this year it seems both candidates want to run campaigns that are as shameless as can be. The most egregious offenses are occurring not in stump speeches and campaign stops, but in the relentless campaign commercials we are all undoubtedly forced to watch. Here, in Wisconsin, both campaigns have launched nasty attack ads against one another.

An ad from the Romney campaign attacks President Obama for his alleged mishandling of trade agreements with China, as well as his failure to label China a "currency manipulator." The ad then goes on to say that, "We cannot afford four more years." While the ad may have some truth to it, the fact is that candidate Romney failed to mention anything he would do different.

The Obama campaign hasn't had any more integrity, and the president even admitted as much - saying the campaign sometimes goes overboard. In response to the Romney campaign attacks, Obama for America released an ad that goes after Romney for offshoring jobs to China while head of Bain Capital, and even knocks Romney for having money invested there. Again, the campaign fails to address the initial attacks, and also offers no new course of action to deal with what is a very real problem.

To this 24-year-old blue-collar worker, both campaigns are failing when it comes to effective messaging. I want to know what is going to be done after the election to fix this country's woes. We need a real plan to deal with trade imbalance, not attack ads and shaming. At this point, it seems neither has a cohesive plan to address this issue, or really any others. All we are being told is that we need to trust them, and once the election is over they will fix everything. The lack of real information on their plans for the future is a bit disconcerting to me, and it should be to all voters.

Source: http://news.yahoo.com/campaign-ads-affecting-undecided-voter-151300182.html

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Friday, September 28, 2012

Water on Mars: NASA scientists are 'excited'

Mars rover Curiosity found rocks on the Martian surface that are too big to be carried by wind, so researchers suppose water must have existed on Mars at one time. Over the next two years, Curiosity will continue its search for signs of ancient?microbial life on Mars.

By Alicia Chang,?Associated Press / September 27, 2012

This image provided by NASA shows a Martian rock outcrop near the landing site of the rover Curiosity thought to be the site of an ancient streambed, next to similar rocks shown on earth.

AP Photo/NASA

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The NASA rover Curiosity has beamed back pictures of bedrock that suggest a fast-moving stream, possibly waist-deep, once flowed on?Mars?? a find that the mission's chief scientist called exciting.

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There have been previous signs that water existed on the red planet long ago, but the images released Thursday showing pebbles rounded off, likely by water, offered the most convincing evidence so far of an ancient streambed.

There was "a vigorous flow on the surface of?Mars," said chief scientist John Grotzinger of the California Institute of Technology. "We're really excited about this."

The discovery did not come as a complete surprise. NASA decided to plunk Curiosity down inside Gale Crater near the Martian equator because photos from space hinted that the spot possessed a watery past. The six-wheeled rover safely landed Aug. 5 after a nail-biting plunge through the Martian atmosphere. It's on a two-year, $2.5 billion mission to study whether the Martian environment could have been favorable for microbial life.

Present day?Mars?is a frozen desert with no hint of water on its radiation-scarred surface, but geological studies of rocks by previous missions suggest the planet was warmer and wetter once upon a time.

The latest evidence came from photos that Curiosity took revealing rounded pebbles and gravel ? a sign that the rocks were transported long distances by water and smoothed out.

The size of the rocks ? ranging from a sand grain to a golf ball ? indicates that they could not have been carried by wind, said mission scientist Rebecca Williams of the Planetary Science Institute in Tucson, Ariz.

Though Curiosity did not use its high-tech instruments to drill into the rocks or analyze their chemical makeup, Grotzinger said scientists were sure that water played a role based on just studying the pictures.

It's unclear how long the water persisted on the surface, but it easily could have lasted "thousands to millions of years," said mission scientist Bill Dietrich of the University of California, Berkeley.

Curiosity chanced upon the dried-up streambed while driving to Glenelg, an intriguing spot where three types of terrain meet. Its ultimate destination is Mount Sharp, a mountain rising from the center of crater floor, but it was not expected to travel there until the end of the year.

Finding past water is a first step toward learning whether the environment could have supported microbes. Scientists generally agree that besides water and an energy source such as the sun, organic carbon is a necessary prerequisite for life.

While an ancient streambed holds promise as a potentially habitable environment, scientists don't think it's a good place to preserve the carbon building blocks of life. That's why the rover will continue its trek to the foothills of Mount Sharp where there's a better chance of finding organics.

Alicia Chang can be followed at?http://twitter.com/SciWriAlicia

Source: http://rss.csmonitor.com/~r/feeds/science/~3/cVTcRdGrbyA/Water-on-Mars-NASA-scientists-are-excited

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