It?s a difficult time to sell your house, and you probably don?t know very much about selling real estate.? Of course, when you need experience, you call in the professionals.? Call a Real Estate Agent? today. ?Even if you owe more than the house is worth, a Real Estate Agent??can help you take care of the problems you face and sell your house.
But how much can a real estate agent really do for you? ?What should?a real estate agent do for you? ?Day after day, we see real estate agents make some of the same mistakes. ?If you hear one of these, an alarm bell should go off in your head.
Part 1 of an ongoing series.
Real Estate Agent? Short-Sale Boo-Boo #1:?Giving Legal Advice
When it comes to legal advice, you get nothing more than you pay for, and you will certainly pay for what you get. ?So here?s some free legal advice:
Unless your real estate agent is also an attorney, he or she should NOT give legal advice.
Here?s a fun fact you can use to drive away the most boring person at your next cocktail party: In Utah, the practice of law is ?the representation of the interests of another person by informing, counseling, advising, assisting, advocating for or drafting documents for that person through application of the law and associated legal principles to that person?s facts and circumstances.? ?The Utah Supreme Court said so.
Of course, you didn?t read through that in detail; my eyes glaze over just copying and pasting it here. ?In simpler terms, if someone gives you advice or helps with paperwork based on your specific situation, they are practicing law.
So if a real estate agent says that, based on your circumstances and the facts of your situation, a bank will probably allow a short-sale?? They just advised you by applying legal principles to your facts and circumstances. ?Similarly, if they tell you that the bank won?t agree to a short-sale unless you are two or three months behind on payments, so you shouldn?t pay your mortgage for three months, they are giving legal advice.
There is an exception to this rule for real estate agents: ?A real estate agent or broker licensed by the state of Utah may complete State-approved forms including sales and associated contracts directly related to the sale of real estate and personal property for their customers.? ?So they can?help fill out your paperwork when you want to sell your house. ?But anything they say that?s not directly related to the sale of real estate and personal property can get them into trouble.
So the next time a?Real Estate Agent? tells you something that will happen to you or based on your situation, ask to see their Utah State Bar ID Card. ?Don?t let them bring you down.
First there was MySpace.? Then there was Facebook and Twitter.?? And then came Google+.? Now Pinterest is ?the next big thing? in social media ? but it may go the way of Napster soon.
Here is an excerpt of a statement that Pinterest sent the Wall Street Journal:[1]
The protection of copyrighted content is by no means unique to Pinterest ? virtually every site on the web that allows users to express themselves contends with copyright complexities. As a company we care about respecting the rights of copyright holders and have outlined on our site best practices that people should abide by when adding pins to make them useful to themselves, the community, and the content owners.
The Information Age has been harsh on Intellectual Property and the laws that protect it in this country and abroad ? just ask the entertainment industry about Napster, LimeWire and MegaUpload.com.? Now, Pinterest ? a website which calls itself an ?online pinboard? ? also threatens to run afoul of U.S. copyright laws.
On the Pinterest website users basically create virtual bulletin boards by pinning content ?found? across the Internet.[2]? This content includes pictures, recipes and bedroom designs ? but what if this content does not belong to the user?
Along with many business and marketers, photographer and attorney Kirsten Kowalski was among the masses that have flocked to Pinterest to create her own virtual scrapbook.[3]? However, one day as she was pinning photos on the website she had an epiphany.? Because she did not own the content that she was pinning, her virtual scrapbook may potentially violate U.S. copyright laws and could subject her to legal liability.[4]
That?s because while Pinterest enjoys DMCA (Digital Millennium Copyright Act) protections for user-generated content, website users themselves don?t have the same legal protections afforded under the DMCA.? Therefore, users may be exposing themselves to a significant legal risk and could face severe penalties such as monetary damages.[5]? Further, under the ?Legal & Copyright? section of the website, Pinterest makes no mention to their users that they could be violating copyright laws by posting content that does not belong to them.[6]
The easy solution to this copyright issue?? Advise your clients not to post anything they don?t own and create on Pinterest.? Make sure your clients aren?t posting celebrities photos or pinning pictures that don?t belong to them.? Otherwise, they must go through the arduous process of clearing the rights with the copyright holder.
Pinterest did offer this to theWall Street Journal Law Blog:[7]
Moreover, we strongly encourage people to pin from the original source or permalinks, give credit to the content owner, and include a thoughtful pin description. If a user notices that a pin is not sourced correctly they should leave a comment so that the original pinner can update the source. Many publishers have also added ?Pin It? buttons to their site, making it easier to identify content that is okay to add to Pinterest.
Finally,?content owners who do not want their material shared on Pinterest can add a?small piece of Pinterest-provided code to their site that prevents Pinterest users from sharing that site?s content. We also strictly follow the Digital Millennium Copyright Act (DMCA) to ensure we are in compliance with all copyright laws and respond rapidly to infringement reports.
The social media website lets their users collect ideas they run across on the Internet for such things as recipes, home d?cor and gardening. Each user then maintains a board of photos and other users can then click on the links to the original source and choose to re-pin the image on boards of their own.
[3] Founded in 2009, Pinterest attracted 17.8 million unique users in the month of February, according to comScore Inc.
[4] Last month Ms. Kowalski wrote a blog post that went viral.? In the blog post she explained why she was taking down photos from others that she had pinned to her virtual bulletin board.
[5] ?Illegally downloading one song can net you a $75,000 fine.? That would be a pretty hefty fine for illegally pinning pictures you don?t own on your virtual scrapbook.
Do not trust emails advertising great travel deals. Be wary of any email that you receive, unless you are familiar with the company.
Pack light, and do laundry there if possible. Efficiency is important in having a great trip that is both fun and enjoyable.
Before travelling have an idea of the current political and social climate in the countries you plan on visiting. Your government?s consular authorities are likely online; a quick visit to their website will tell you if there are any developments of concern that might affect your trip. This can be a significant aid in preventing complications on your trip that could put you in harm?s way.
If you are traveling to another country, you should buy an electrical adapter before you leave home for your electronic devices. Shop around your local discount stores for the best deal. Purchasing one near an airport or hotel can be extremely expensive.
There are some criminals in foreign cities that pretend to be police officers, so be careful. Never give them your original passport as you may never see it again. If they want to take you in for questioning, insist on walking. Never get into a car with a strange local.
You can see exotic and memorable ecosystems in the deserts. Deserts offer a special experience for the first time visitor. It should be the goal of anyone interested in the world to experience the wonder of the desert at least once.
You should always have a good photo of your child on you when you travel with him or her, just in case the two of you get separated. Not knowing your child?s whereabouts is frightening. With that said, it is best to be prepared for worst case scenarios. If you have a picture of your kids with you, it can help out if they get separated from you in a crowd and you need assistance finding them.
Clothespins can be very helpful when travelling. While you may not usually think of packing clothespins, they can be very useful.
Wait until you reach your destination to save money on your currency exchange. If you won?t have immediate access to a currency exchange service when you land, consider exchanging a little money before you leave, then exchanging the rest later on.
If you flew to your destination and your checked baggage hasn?t made it to you yet, don?t go crazy. Ask an airport employee where the office to report lost luggage is located. Go to the office with your travel documents in hand and fill out a lost luggage claim. Usually your luggage will turn up, and you will be reconnected with it as soon as possible.
In conclusion, as exciting as a trip can be, planning it has the opposite effect. There are ways to plan a trip easily and maximize the chances of having a successful trip. These tips can help you to simplify and de-stress your travel experience.
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In the past, disaster recovery has been an overlooked aspect of the information technology (IT) industry. Even now it is often seen as non-essential by many IT departments with reduced budgets. But as natural disasters are happening on a larger scale all over the world, disaster recovery is becoming essential to keeping major technological infrastructures up and running. In fact, the biggest IT concerns in 2012 will revolve around technological infrastructure continuity. In order for this to happen, more companies will need to implement an effective disaster recovery plan (DRP).
What is a Disaster Recovery Plan Exactly?
A disaster recovery plan (DRP), often referred to as a business continuity plan (BCP) refers to a set of procedures used to keep your business up and running in the event of a major natural disaster or other crisis. How does this relate to IT? Since the majority of business operations require the heavy use of modern computing devices, and other IT-based solutions, it?s up to the IT department to develop and implement the DRP. As computing and networking systems become more complex, a major infrastructure outage can cost some large enterprise organizations millions of dollars.
Why Your Company Doesn?t have a DRP in Place
The unfortunate reality is that many enterprise-level businesses are completely unprepared for a major crisis. In fact, one-third of all US businesses operate without a DRP set in place. In most cases, IT managers view disaster recovery planning as an unnecessary expense. The problem with this thinking is that it overlooks some very serious problems that could result from an infrastructure outage. This is especially true if your company performs the majority of its transactions online or in the cloud. An outage can mean the loss of massive amounts of daily revenue. Large companies can lose millions in a matter of a few hours, depending on their online sales traffic.
Elements of an Effective DRP
Unfortunately, not all DRPs are created equal. Even the IT managers who have a DRP in place are often focusing on the wrong things. First off, you need a plan for protecting your data. This includes having an offsite location to store your backups. Some of the best solutions for this are available in third-party cloud computing solutions. Secondly, if your business relies heavily on software solutions, you need an external repository where you can access key software solutions in a pinch. Lastly, you need to have a plan for restoring computing and communications devices. This includes laptops, desktops, tablet PCs, telephone systems and smartphones.
Conclusion
The reality is you can?t afford to put off setting up a DRP. If it?s a matter of cost, there are several managed services that will setup your business continuity plan. These companies make sure all of your data, software and computing machines are all backed up and easily restored. They also have the staffing and computer processing resources commonly unavailable to most IT departments. In any case, it?s important to have a disaster recovery plan in place as soon as possible. This will ultimately ensure that your business remains functional in the event of a major crisis.
$4.2 million grant helps plan, launch first Alzheimer's prevention trialsPublic release date: 20-Mar-2012 [ | E-mail | Share ]
Contact: Michael C. Purdy purdym@wustl.edu 314-286-0122 Washington University School of Medicine
Washington University School of Medicine in St. Louis has received nearly $4.2 million from the Alzheimer's Association to accelerate the launch of the first clinical trials to prevent the symptoms of Alzheimer's disease.
The award is the largest research grant in the history of the 32-year-old association.
Randall Bateman, MD, principal investigator of the grant and director of the Dominantly Inherited Alzheimer's Network (DIAN) Therapeutic Trials Unit (TTU) at Washington University, will lead the trials, which will determine if the disease can be halted or delayed before problems in memory and other brain functions become apparent.
The research will be conducted through the Dominantly Inherited Alzheimer's Network, an international research partnership focused on understanding inherited forms of Alzheimer's. DIAN is headed by John C. Morris, MD, Harvey A. and Dorismae Hacker Friedman Professor of Neurology at Washington University School of Medicine. Bateman and Morris treat patients at Barnes-Jewish Hospital.
"We're grateful for the Alzheimer's Association's support for these trials and for the generous support it has given us throughout the long journey that has led to them," Morris says. "We've been working for years to find a way to treat Alzheimer's disease before patients develop dementia, and it's very exciting to be making plans to start the first of such trials later this year."
"This project has the potential to dramatically accelerate the pace of treatment and prevention strategies for Alzheimer's," said William Thies, PhD, the Alzheimer's Association's chief medical and scientific officer. "We are convinced that helping to rapidly launch the DIAN-Therapeutic Trials Unit will accelerate discovery of therapies that will change the course of the Alzheimer's disease process and delay or stop the disease."
Families enrolled in the DIAN study have inherited forms of Alzheimer's that cause dementia at a much earlier age than the more common sporadic forms of the disease. Scientists have identified mutations in three genes that cause inherited Alzheimer's. An individual who inherits one of these mutations typically develops symptoms of the disease at approximately the same young age as his or her parents.
Last July, DIAN researchers announced at the Alzheimer's Association International Conference that they could detect biological markers of presymptomatic disease in DIAN participants up to 20 years before the patients were expected to develop memory problems.
"We want to prevent damage and loss of brain cells by intervening early in the disease process even before outward symptoms are evident, because by then it may be too late," says Bateman, MD, the Charles F. and Joanne Knight Distinguished Professor in Neurology and director of the DIAN Therapeutic Trials Unit, which will conduct the new trial.
With the advice of a newly formed consortium of 10 pharmaceutical companies, DIAN researchers under Bateman's leadership will select what they believe to be promising pharmaceuticals for the trials. They plan to give the drugs to family members who have an early-onset Alzheimer's gene and biological markers of disease but do not yet have symptoms of dementia. The goal will be to see if treatment can reduce the biological markers, potentially delaying or preventing the onset of symptoms.
"Experimental treatments have risks, so to treat patients before symptoms occur, we must be sure that we have a firm grasp on who will develop Alzheimer's dementia," says Morris, who also is director of the Charles F. and Joanne Knight Alzheimer's Disease Research Center at Washington University. "If we can find a way to delay or prevent dementia in DIAN participants, that would be a tremendous success story and very helpful in our efforts to treat the much more common sporadic forms of the illness."
The pharmaceutical consortium advising DIAN researchers is comprised of the Janssen Alzheimer Immunotherapy Pfizer Alliance, Biogen Idec, Elan, Eli Lilly, Genentech, Hoffman La-Roche, Mithridion, Novartis, Pfizer and Sanofi-Aventis.
"The DIAN Pharma Consortium is an indicator of how important the DIAN trials are," Bateman says. "It's amazing that 10 pharmaceutical companies that are normally competitors have agreed to work together to help provide advice about DIAN trials design."
The DIAN Therapeutic Trials Unit has launched the DIAN expanded registry for interested patients, family members, doctors and researchers. For more information or to register for potential participation in the trials, go to http://www.DIANXR.org.
###
In addition to Washington University, the other institutions involved in DIAN are Harvard University, Massachusetts General Hospital, Brown University, Columbia University, Indiana University, the University of California, Los Angeles, the University College of London's Institute of Neurology at Queen's Square and a consortium of the universities of Brisbane, Perth and Sydney in Australia.
The Dominantly Inherited Alzheimer's Network is supported by funding from the National Institute on Aging. The Dominantly Inherited Alzheimer's Network Therapeutic Trials Unit is supported by funding from an anonymous foundation, the DIAN Pharma Consortium and the Alzheimer's Association.
Washington University School of Medicine's 2,100 employed and volunteer faculty physicians also are the medical staff of Barnes-Jewish and St. Louis Children's hospitals. The School of Medicine is one of the leading medical research, teaching and patient care institutions in the nation, currently ranked sixth in the nation by U.S. News & World Report. Through its affiliations with Barnes-Jewish and St. Louis Children's hospitals, the School of Medicine is linked to BJC HealthCare.
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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
$4.2 million grant helps plan, launch first Alzheimer's prevention trialsPublic release date: 20-Mar-2012 [ | E-mail | Share ]
Contact: Michael C. Purdy purdym@wustl.edu 314-286-0122 Washington University School of Medicine
Washington University School of Medicine in St. Louis has received nearly $4.2 million from the Alzheimer's Association to accelerate the launch of the first clinical trials to prevent the symptoms of Alzheimer's disease.
The award is the largest research grant in the history of the 32-year-old association.
Randall Bateman, MD, principal investigator of the grant and director of the Dominantly Inherited Alzheimer's Network (DIAN) Therapeutic Trials Unit (TTU) at Washington University, will lead the trials, which will determine if the disease can be halted or delayed before problems in memory and other brain functions become apparent.
The research will be conducted through the Dominantly Inherited Alzheimer's Network, an international research partnership focused on understanding inherited forms of Alzheimer's. DIAN is headed by John C. Morris, MD, Harvey A. and Dorismae Hacker Friedman Professor of Neurology at Washington University School of Medicine. Bateman and Morris treat patients at Barnes-Jewish Hospital.
"We're grateful for the Alzheimer's Association's support for these trials and for the generous support it has given us throughout the long journey that has led to them," Morris says. "We've been working for years to find a way to treat Alzheimer's disease before patients develop dementia, and it's very exciting to be making plans to start the first of such trials later this year."
"This project has the potential to dramatically accelerate the pace of treatment and prevention strategies for Alzheimer's," said William Thies, PhD, the Alzheimer's Association's chief medical and scientific officer. "We are convinced that helping to rapidly launch the DIAN-Therapeutic Trials Unit will accelerate discovery of therapies that will change the course of the Alzheimer's disease process and delay or stop the disease."
Families enrolled in the DIAN study have inherited forms of Alzheimer's that cause dementia at a much earlier age than the more common sporadic forms of the disease. Scientists have identified mutations in three genes that cause inherited Alzheimer's. An individual who inherits one of these mutations typically develops symptoms of the disease at approximately the same young age as his or her parents.
Last July, DIAN researchers announced at the Alzheimer's Association International Conference that they could detect biological markers of presymptomatic disease in DIAN participants up to 20 years before the patients were expected to develop memory problems.
"We want to prevent damage and loss of brain cells by intervening early in the disease process even before outward symptoms are evident, because by then it may be too late," says Bateman, MD, the Charles F. and Joanne Knight Distinguished Professor in Neurology and director of the DIAN Therapeutic Trials Unit, which will conduct the new trial.
With the advice of a newly formed consortium of 10 pharmaceutical companies, DIAN researchers under Bateman's leadership will select what they believe to be promising pharmaceuticals for the trials. They plan to give the drugs to family members who have an early-onset Alzheimer's gene and biological markers of disease but do not yet have symptoms of dementia. The goal will be to see if treatment can reduce the biological markers, potentially delaying or preventing the onset of symptoms.
"Experimental treatments have risks, so to treat patients before symptoms occur, we must be sure that we have a firm grasp on who will develop Alzheimer's dementia," says Morris, who also is director of the Charles F. and Joanne Knight Alzheimer's Disease Research Center at Washington University. "If we can find a way to delay or prevent dementia in DIAN participants, that would be a tremendous success story and very helpful in our efforts to treat the much more common sporadic forms of the illness."
The pharmaceutical consortium advising DIAN researchers is comprised of the Janssen Alzheimer Immunotherapy Pfizer Alliance, Biogen Idec, Elan, Eli Lilly, Genentech, Hoffman La-Roche, Mithridion, Novartis, Pfizer and Sanofi-Aventis.
"The DIAN Pharma Consortium is an indicator of how important the DIAN trials are," Bateman says. "It's amazing that 10 pharmaceutical companies that are normally competitors have agreed to work together to help provide advice about DIAN trials design."
The DIAN Therapeutic Trials Unit has launched the DIAN expanded registry for interested patients, family members, doctors and researchers. For more information or to register for potential participation in the trials, go to http://www.DIANXR.org.
###
In addition to Washington University, the other institutions involved in DIAN are Harvard University, Massachusetts General Hospital, Brown University, Columbia University, Indiana University, the University of California, Los Angeles, the University College of London's Institute of Neurology at Queen's Square and a consortium of the universities of Brisbane, Perth and Sydney in Australia.
The Dominantly Inherited Alzheimer's Network is supported by funding from the National Institute on Aging. The Dominantly Inherited Alzheimer's Network Therapeutic Trials Unit is supported by funding from an anonymous foundation, the DIAN Pharma Consortium and the Alzheimer's Association.
Washington University School of Medicine's 2,100 employed and volunteer faculty physicians also are the medical staff of Barnes-Jewish and St. Louis Children's hospitals. The School of Medicine is one of the leading medical research, teaching and patient care institutions in the nation, currently ranked sixth in the nation by U.S. News & World Report. Through its affiliations with Barnes-Jewish and St. Louis Children's hospitals, the School of Medicine is linked to BJC HealthCare.
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Newt Gingrich can be called many things: garrulous, grandiose, philandering. But one thing he should not be called is ?Mr. Speaker.? Gingrich ceased to be entitled to that title when he left the House on Jan. 3, 1999. But you would never know it from the obsequious way journalists have addressed him during the campaign, where ?Mr. Speaker? and ?Speaker Gingrich? have become standard. It?s as if he is Downton Abbey?s Earl of Grantham, his honorific adhering to him for life.
More and more people are getting their hands on the Exit Plan Profits
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Produce a special webpage per internet affiliate solution. Compose focused and additionally strategies regarding the solution to your individuals study. Any time you concentrate a webpage one solution, you can market to a specialized clients which is presently serious about the individual. In addition, it earn progress less difficult.
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Public release date: 20-Mar-2012
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