Friday, June 1, 2012

Can The Buyer And Seller Split The Savings On A For Sale By Owner

questions

Q: We?re buying a house from some people we know. We?re both wanting to do the transaction without using a Realtor. That should ?save? the Realtor?s commission, about 6% or so. How should this ?savings? be split up between buyer/seller? I know it?s negotiable, but I was wondering what is common?
?Dmoodman, Frederick, MD

A: Nothing is common in this instance. The seller is not using a Realtor to get the most amount of money and the buyer is not using a Realtor to save money. Your own negotiating skills are what will make this decision.
Colin Rosenthal is a Realtor? with DFW Metro Housing in The Colony, TX.

A: Sellers usually sell their home by themselves to save the 6 % commission for various reasons ? Maybe there is no equity in the home, the sellers need a certain amount from the sale of their home to get into another home, sellers need a fast sale and do not want to over price their property, etc. Each transaction is different and there is no way to ?split? the commission savings ? it is all negotiations.
Sandy Straley is a Realtor? in Layton, UT.

A: Usually, since the commission is paid by the seller and is ?on top? of the price of the home. I would just reduce the price by the commission, because you both win that way, because if you are getting a loan then your loan is less, down payment and monthly payment.
Beverly Houlier is a Realtor? with Hilltop Chateau Realty in San Diego, CA.

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Related posts:

  1. Who Pays The Realtor Fee If The Buyer And Seller Use The Same Realtor?
  2. Will My Real Estate Agent Still Get Paid If I Found A House For Sale By Owner That I End Up Purchasing?
  3. Why Won?t The Seller?s Realtor Lower Her Commission To Make The Sale?
  4. What Is The Minimum Percentage Of Commission?
  5. Should I Use A Realtor To Buy A For Sale By Owner Home?

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Soft drinks' fizz went flat even before NYC ban plan

Andrew Burton / Reuters

A 64-ounce drink is displayed alongside other soft drink cup sizes at a news conference at City Hall in New York, May 31, 2012.

By Martha C. White

Even if New York City?Mayor Michael Bloomberg's quest to limit the sale of soda and other sugary drinks has a positive impact on city residents' waistlines, it probably won't hurt the heavyweights of the soft drink market.

Their big challenge is a long-term trend that predates Bloomberg's anti-obesity platform by years: Americans just aren't drinking as much soda these days.?

Bloomberg's office, which has pushed other public health-related initiatives in the past, sent out a flurry of tweets Thursday touting the proposal with stats like, "Obesity kills thousands of NYers a year & adds $4 billion a year in health care costs."

If approved by the city's Board of Health, the campaign would ban sweetened drinks from being sold in containers larger than 16 ounces at delis, fast food outlets, concession stands and other establishments that fall into the category of food service providers. (Grocery and convenience stores would be exempt, as would unsweetened and diet beverages.)?

There's no getting around the fact that Americans consume a lot of soft drinks: We gulped down 43.5 gallons per capita last year, according to Beverage Marketing Corp. It's still the most popular category of beverage, but its popularity?is waning. "The secular trend in declining consumption has been going on for some time now," said Thomas Mullarkey, equity analyst at Morningstar. Consumers "have far more options available to them" besides soda.

"In general, we're not drinking more," said Gary Hemphill, senior vice president at Beverage Marketing. "The only way to gain volume is to steal share from other categories."

In its April earnings report, Coca-Cola Co. said North American sparkling beverage volume grew 1 percent for the quarter, compared with a 6 percent increase in the company the "still beverage," or non-carbonated category. It attributed the growth to brands like Dasani water, Gold Peak tea and vitaminwater.

There are more categories than ever fighting over the soft drink market. We drink nearly twice as much bottled water today as we did in 1999, according to Beverage Marketing Corp. Goldman Sachs analyst Judy Hong wrote in a January report that domestic soda sales in the fourth quarter of 2011 were outpaced by non-carbonated drinks. Bottled teas and energy drinks led the pack with roughly 7 percent and 13 percent sales increases for the quarter. (Soda sales fell half a percent.) ?

One reason analysts theorize consumers are eschewing soda is because of its perception as an unhealthy beverage. Although zero-calorie sodas exist and some juice-based and blended coffee drinks contain a lot of sugar from added sweeteners, soft drinks are saddled with a reputation as junk food.?

In a March report titled "Attitudes toward Beverage Sweeteners," market research firm Mintel found that a majority of consumers believe that sweetened beverages are a "main contributor" to the country's obesity epidemic.?

It doesn't help that most of the soft drinks produced domestically use high-fructose corn syrup, a sweetener around which controversy has sprung in recent years. The Food and Drug Administration this week rejected an application submitted by a corn industry trade group requesting permission to rename the product "corn sugar."?

"The current consumer preference toward all-natural food supports beverages without artificial additives such as high-fructose corn syrup (HFCS) and artificial diet sweeteners," the Mintel report said. A majority of people believe that sugar is healthier and tastes better than corn syrup, which is more commonly used in soft drinks.?

Hemphill said soft drink makers have an uphill battle ahead of no matter how Bloomberg's proposal pans out. "Our expection is that's a category that's likely to remain soft at least for some time," he said.

Top Talkers: New York City Mayor Michael Bloomberg is moving to ban super-sized soft drinks in the city. His plan is to restrict sales of sugary drinks to no more than 16 ounces a cup in most city locations. Mika Brzezinski supports the initiative, and she discusses it with the Morning Joe panel.

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Jvc: Jvc 1080p Projector


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Is social media losing its mojo?

It?s an uncanny bummer to see that Facebook ?f? perched hopefully atop an article called ?Facebook's stock continues decline after rocky IPO.?

But there it is.

You can read all about the demise of Facebook?and then share that bleak news with your friends ... on Facebook!

Facebook is dead; long live Facebook.

Really, Facebook will survive. It?s dug in. Yes, maybe it?ll shift shapes, metamorphose into something less romantic than a social network. Without explanation, we?ll see it become a roving, hydra-like ad exchange or a mere backend to apps like Spotify and Instagram. But Facebook is a sturdy set of protocols that enjoys, with good reason, a privileged place on the Internet that it won?t soon yield.

At the same time, online media in the aggregate are having a turbulent hour. As the Facebook stock has turned leaden, so has the atmosphere around all social media. It?s an election year, just when the Web should be crackling with news and rumor and ?fact-based? analysis, as the acid-toned forensics on political blogs used to be called.? The Internet has grown metastatically since 2008. And yet where, this time around, are the viral macaca videos? Where are the ?Yes We Can? recuts? Where are the Wonkettes and FiveThirtyEights and Googling monkeys of The Note?

In fact, if you even know what Googling monkeys are, you maybe have been following digital elections for too long. No blogger in 2012 has anywhere near the authority or following of Paul Krugman or David Brooks of The New York Times. The original gangster political bloggers?Mickey Kaus, Glenn Reynolds, Andrew Sullivan, Josh Marshall?seem like old bluesmen now, playing before small audiences for love if not ?hits.? As ?love? used to be called.

The 2009 movie ?State of Play? was a buddy movie about a broken-down, ink-stained wretch?Russell Crowe?and a snippy snappy wonkette blogger, Rachel McAdam. Both of them were on the trail of a political scandal (can?t remember details of that at all) but mostly they were repartee?ing along the analog/digital divide, with the Crowe geezer sure that the underreported, girly, voice-heavy blogs were created from the rib of print and he?d do better just to drink at the problem. The McAdam tart made another kind of argument: oh yeah, something about not drinking ...

In any case, it seems absurdly dated now. No one-woman blog can dominate the top Google returns anymore. She?d have to push it through Facebook and Twitter and, by relying on those autocratic templates, she?d inevitable forfeit her ?voice.? She just would. No one is more themselves on Twitter. They?re just more Twittery.

And any facts that are ceremoniously uncovered by enterprising reporters on the Web?the blogs used to live to reveal new, highly granular facts that they claimed changed games?are typically crowd-sourced over at Twitter and no one keeps track of authorship. The idea that one reporter (either a lone-wolf old man or a whip-smart lady blogger) is going to bust open a story of malfeasance at high levels: that fantasy is not in play this election season.

What?s been happening, paradoxically, is that Twitter has its catnip and chew toys (Romney?s ?Amercia? slip was one of them) that lead to jokes, but no conceptual scoops. Facebook has its odd built-in apoliticality, because all views get the same design and play. Instead, opinion-shaping is done these days in traditional spots like op-ed pages. Or, really, on one op-ed page.

You never know, right? Ever since Russell Hoban?s 1980 novel ?Riddley Walker,? in which a return to the Iron Age came 2,000 years after a nuclear winter, it?s been nearly an article of faith that the future might look more like the past than like the Jetsons. Maybe what?s about to happen in news is a return to the Iron Age of Media.

Newspapers proliferated and profited in the 20th century so much that they created an even more prolific kind of news, digital news, which then picked them off, one by one, like a serial killer. (Times-Picayune, R.I.P.) Now what?s left is a single general-interest daily broadsheet with bureaus and national import: The New York Times. That paper prints op-ed columns, and a handful of these cover the election. So that?s what everyone reads. So much for the thousands of voices from all sides that were supposed to, and briefly did, bloom on the Internet.

However, if Google wakes up on a different side of the bed, if Twitter focuses its ideological vision or if Facebook zags instead of zigs in response to the bummer stock-price news, a different set of Web practices and users and voices might be unleashed. It happens all the time. As Mark Zuckerburg should keep in mind as he sees his company?s fortunes wax and wane: If you don?t like the Internet weather, wait a minute.

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Your Guide To Stopping Smoking And Enhancing Your Overall Health

This article has been viewed 15 times.

Smoking cigarettes could be significantly unfavorable to numerous elements of your life. In addition to discoloration your teeth and providing your apparel a putrid smell, it could alter your physical appearance. The greater number of considerable disadvantages, nevertheless, are the type in your health. By preventing, you can undo all of the harm that cigarette smoking has been doing. This post provides a number of efficient techniques to assist in your time and effort to avoid smoking cigarettes.

You will find threats with utilizing treatments such as scopolamine or atropine that will help you quit smoking. They are going to reduce smoking drawback signs or symptoms, however they also can have deleterious outcomes on the nervous system. These side effects could consist of vertigo, difficulty peeing, bowel problems, and blurred perspective. It will not intelligent to eradicate one dilemma simply to get a lot of other concerns.

It is possible to treat yourself in several methods by joining a health and fitness center. You may use time expended cigarette smoking for training and get your wellbeing back buy. Exercise will likely assist you to ease anxiety. If you are currently not in the best of condition, get started with brief walks or perhaps an effortless regimen and build up from there. Before starting any fitness program, you need to initially talk to your medical professional.

Take into account what obstacles you?ll encounter when you give up smoking, so as to expect to combat them one at a time. Most people who lapse back in smoking cigarettes, get back to the habit in only a few months of starting up attempting to cease. It can be extremely luring to provide to the desire to get a cigarette when you are anxious or worn out. Keep in mind items that bring about anyone to smoke.

It is actually a chance to quit smoking. Don?t established a particular date down the road that hinges on something else, begin right now and make the program and backups that you have to become successful. When you stop this second, you lessen your likelihood of disease. Additionally, you will assistance to keep your family?s protection by reducing the second hand smoke cigarettes that is located in your home. This will make it more essential that you give up today.

Figure out some activities you could do to distract you against yearnings and after that keep your checklist useful. At times a craving is really so solid that one could not believe plainly, and may have problems choosing a fruitful exercise. For this reason you want your collection nearby to ensure you do not have to accomplish a lot of pondering. Consider including bubble bathing, lengthy strolls, or perhaps your favored pastimes as part of your option pursuits.

Substitue a healthy behavior like exercising for the using tobacco. After working out, your body produces hormones. These make you feel far better and are a fantastic distraction from cigs. You should also workout to deal with specific unwanted effects of quitting, such as excess weight.

Hypnosis will help stop smoking cigarettes. Lots of people have stop properly right after employing a registered hypnotist. A hypnotist can assist you quit smoking by getting you into a trance and constructing statements in your thoughts that will keep the head from planning to smoke. Once you come out of the trance, tobacco cigarettes could be less appealing, therefore you are so much even closer quitting for good.

Generally say, ?No!? to even a single puff. It is actually easy to tell on your own when you?re definitely craving that you far more won?t hurt, but it turns into another day or two or perhaps years of smoking, which erases your entire effort. Explain to your self the hazards that getting that you puff is capable of doing. This can stop you with your monitors and make it possible to fight off of the craving.

A very important factor to give up smoking is to experience an excellent mindset and several inspiration. Believe really about how your lifestyle will be a great deal greater when you give up smoking. Giving up smoking can increase your scent, you teeth, and remove the odors from home and auto. Accepting that cigarette smoking has bad health consequences can be a frighten for a few, but working on the positives can be very inspirational, too.

One way to help realize how essential it is to give up is to research the ailments that have been related to cigarette smoking. Look at photos of lung cancer or chewing gum cancers. Also take the time to read through commitment pages created by family members who have shed a person because of cigarette smoking.

You?re already conscious of all of the main reasons why breaking your smoking habit a very good idea. In the event that is not really ample, these guidelines will help you remain determined. Try these techniques if you believe disheartened or have trouble combating a looking for yet another smoke. You are going to soon experience for yourself the benefits of not using tobacco.

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fogg-a-polooza-ii-local-beers-wines-live-music-and-great-food - Loku

Here's something a bit different for you this Thursday night. Phileas Foggs English pub/ restaurant just off the I-15 on Poway Rd is hosting its second annual 4 day "Fogg-a-Polooza" event with local brews, live music and great food at bargain prices all weekend long. While the drinks focus is on beers, they serve great wines, too (no spirits, though). All Things San Diego Assistant Organizer, Steve Wolff (www.wolfflive.com) will be playing live, kicking the whole thing off this Thursday (31st May) starting at 6 PM and playing until 10:00 PM (it is a weeknight, after all...). With 4 sets planned, he'll do either 1 or 2 "Almost Unplugged" sets depending on the crowd, then liven it up with 2 or 3 "1 Man Rock Band" sets. If it's practical, given the reorganized layout of the place, he will leave his set lists on the tables and at the bar so you can choose songs that you'd like to hear in the later sets. Please note that the bar has a 2 drink minimum per person for tables and seats at the bar on live music nights. For more information, please check out http://www.phileasfoggs.net/fogg-a-palooza-2-the-celebration-continues. They're still working out the beer and taster specials, so feel free to periodically check the web site and I'll update this posting with anything significant. This lively Pub / Restaurant has won the San Diego UT's Best Overall Bar 2009, 2010 and 2011 as well as Best Chicken Wings 2010 and 2011 and a couple of other categories (Best Sports Bar and Best Comfort Food). It is about 1 mile east of the I-15 on Poway Rd in the Sabre Springs strip mall (south side) and has over 150 beers and a great selection of wines from around the world. The food will prove that the term "Fine English Cuisine" is NOT an oxymoron and many of their regular food and drink prices are similar to happy hour prices at other places, yet they're good all the time. Owner Brian (from Newcastle in the north of England) decks his waitresses (and occasionally one of his regulars!) out in Newcastle United football outfits and there's a huge mural of Phileas Fogg's adventures (he's the main character in Jules Verne's Around the World in 80 Days) on one of the walls. For sports fans, there's a different sport on every TV (from both sides of the Atlantic). Parking in the lot is limited, but there's plenty of street parking if you turn right (south) immediately after the mall. As I'm playing, please consider this a semi-led event. If anyone is interested in co-hosting (all you're doing is meeting/ greeting/ introducing people, no set up needed), please email me: steve@wolfflive.com

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All heart | luke, gracie, adam - News - The Orange County Register

NORTH TUSTIN ? The twins took their first helicopter ride when they were young ? 1 day old.

Grace and Luke Chez, lying side-by-side in incubators, were whisked from the Orange County hospital where they were born to Children's Hospital Los Angeles for life-saving treatment.

Terra and Adam Chez are shown with their children Abbey, 2, and Luke, 7. Their children were born with a congenital heart defect (CHD) ? a third child Grace, Luke's twin, died of the condition at age three on January 9, 2008. Terra and Chez have founded a non-profit, Hopeful Hearts, to raise awareness about CHD.

LEONARD ORTIZ, THE ORANGE COUNTY REGISTER

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And so began a journey of fear, tragedy and, ultimately, hope.

Grace and Luke's parents, Terra and Adam Chez, would use another word to describe their seven-year saga:

Miraculous.

???

"Hey, princess!"

Abigail Chez, 2?, has just woken from a nap. Her dad greets her as she walks into the kitchen of the Chez home in North Tustin.

With blonde hair, pale skin and blue eyes, Abbey bears a striking resemblance to her sister, "Gracie."

Abbey has something else in common with Gracie. Both children were born with congenital heart disease. So was Luke.

Three kids, all born with the No. 1 cause of infant death in the U.S. The odds of this happening are staggering.

So, too, are the challenges weathered by their parents.

Inspired to reach out to other parents of children with congenital heart disease (known often as CHD), Terra and Adam Chez started a nonprofit, Hopeful Hearts, to raise money and awareness for a condition that gets little public attention even though it affects 1 in 100 babies.

"We want to do something to make a difference for other families going through what we've been through," Adam Chez says.

Adam and Terra --- friends since age 10, married for 12 years --- want more people to know about CHD.

They also want people to know about Gracie.

???

Because she was carrying twins, a potentially high-risk pregnancy, Terra, now 39, was subjected to particularly rigorous prenatal testing.

So the couple ? both healthy, with no history of congenital heart disease in their families --- got the diagnosis early, just 20 weeks into the pregnancy: Gracie and Luke had CHD.

The babies arrived on Feb. 9, 2005. Gracie was born with truncus arteriosus, a critical form of CHD. Luke was diagnosed with tetralogy of Fallot with pulmonary atresia --- the same as Abbey would be four years later. This, too, is a critical form of CHD.

Gracie had open-heart surgery when she was four days old. She almost died. Luke had his first surgery at five months.

Luke, now 7, later had a second open-heart surgery, and a third ? to replace a valve ? is coming soon. Abbey has had two surgeries.

Gracie eventually had four. She was the chatty, feisty twin to the quieter Luke. She loved to be around people rather than play with toys.

"She had a wisdom about her," says Adam, 36.

The end came suddenly, and unexpectedly.

On the evening of Jan. 8, 2008, Gracie was taken to the hospital with flu-like symptoms ?- just two days before a scheduled catheterization. One minute she was being treated for dehydration, and the next she coded and was fighting for her life.

The following morning Gracie died from complications of CHD. She'd been in the hospital about eight hours.

She passed away in her father's arms.

???

Luke hops on a lounge chair next to his mother after bouncing on a trampoline in his backyard with his little sister.

Luke, a first-grader, loves baseball and other sports.

Looking at Luke, you see no hint of his medical challenges, though Luke helps clarify things by pulling up his shirt and showing off a thin, pale scar running down the center of his chest.

Luke does this as his parents are describing Hopeful Hearts. It's a foundation he knows something about.

"It's to help children who have special hearts," Luke says. "Like me."

Terra and Adam Chez launched Hopeful Hearts in April 2008.

They did so because they felt there weren't enough resources for parents and families going through the trauma of raising a baby with CHD. It's an ordeal that includes long days and nights in critical-care units. It's a life of anxiety, worry and deep lows; for many, it can be a life of pain.

For now, in-the-womb testing for CHD isn't routine. The non-profit's mission is to promote early detection. The organization also promotes valve research, and provides financial support to children and families living with the condition.

Congenital heart disease receives? 1 cent of every dollar? raised by the American Heart Association. And unlike many other common, life-threatening diseases, there is no dedicated, national organization aimed at fighting CHD.

In its first year, Adam says, Hopeful Hearts provided financial support to 30 families.

???

After they lost Gracie, Terra and Adam were surprised to find that Terra was pregnant again, this time with Abbey.

"I didn't think I could do another girl," Terra says.

She and Adam also didn't think they could cope with another child with CHD.

But they did, and they are.

And their push to help others has grown. Over the last few years, Hopeful Hearts has expanded to provide financial support for around 75 families a year, says Adam, who owns care facilities for the developmentally disabled.

Through their nonprofit, the couple has donated $150,000 to outfit a critical care unit at Children's Hospital Los Angeles. They're also planning a gala, June 9, to raise more money for the cause. Their new goal: $200,000.

???

Terra and Adam say their Christian faith has played a big role in getting them through the trauma of losing Gracie, and in coping with the medical issues their surviving children face.

They also say helping other families dealing with CHD is therapeutic.

"Time spent with the foundation is time spent with Gracie, and time spent in honor of Luke and Abbey,"?Terra says.

Terra watches Abbey run up to her.

In Abbey's face, and in her gleeful screams, Terra sees her departed child -- a girl they now call Angel Gracie.

"Honestly," she says, "giving back is healing for me."

Says Adam: "For me, the foundation keeps Gracie alive. She's still doing great things."

For more information on Hopeful Hearts and its gala on June 9, visit www.hopeful-hearts.org

714-704-3764 or ghardesty@ocregister.com


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