Questions To Ask When Buying A Home

By John Carlstrom

One of the major decisions in life is choosing the kind of house that you will live in. You cannot just decide on this at impulse. There are criteria that should be met before giving that very important go signal. It is good to be guided by some relevant questions that you can use as a basis for getting the best place for your family. Such questions will determine whether a house is appropriate for your needs and are within your expected range of costs. Below are some of the common questions that can influence your decision. When you go out and look for that house, be sure to ask these questions and the answers will serve as your basis for your choice.

There are three categories of questions that you can ask as a home buyer. You can ask about the price, the location and the home condition.

[youtube]http://www.youtube.com/watch?v=fT9JQ5I8QRQ[/youtube]

With regard to the price, you can ask how much did the seller pay for the house. You may indirectly ask the question or you can fish for the information based on the flow of your discussion. This information is necessary for you to know whether the home values in the area have gone up or down. With this information, you will also be able to determine if a property is a foreclosure problem. If this is so, you might have a problem securing financing for at least 90 days. You also have to ask how much does the seller still owe. If the amount is higher than the asking price, it is a short sale and is just bringing cash in for closing. Another thing worth asking is the price of the homes within the neighborhood. The comparable and competitive sales are the bank’s basis for computing the property value. You also have to ask how long is the home sold in the market. If it is in the market for more than 60 days, you can easily negotiate for a discount.

The condition of the home is also a very important factor in making your important decision. You have to check how old the roof is. Newer roofs can still last for 15 to 50 years depending on the quality of the materials used. It is also worth asking the seller the type of foundation used. Raised foundations and homes with basements can provide easy access to electrical and plumbing. You also have to ask when the last time the plumbing and electrical connections were replaced. With this type of homes, maintenance and installation will cost less for you. Also, you have to know if the house has insulation both in the walls and the attic. If this is so, you will not have problems during colder seasons.

Finally, questions about the location are equally important. You can check on the type properties within the neighborhood and the demographics. You can talk to some neighbors to determine the type of community that you will be living in. Are the schools near? How about the church? Are there recreational areas that are accessible? How about the traffic condition? These may be minor questions but these are important concerns when you choose to live in the neighborhood.

Asking the above questions will help you make a carefully thought decision and you will not be wasting your time making a big mistake.

About the Author: Need to buy or sell a home in the Bothell, WA area? Check out

Bothell Homes

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Electronic Frontier Foundation sues Sony over CD technology

Tuesday, November 22, 2005

The California-based non-profit organization Electronic Frontier Foundation, as well as the Attorney General of Texas, has filed a law suit against Sony Computer Entertainment of America for their controversial use of anti-piracy software.

The EFF claims that the digital rights management software on the CDs BMG Music (a subsidiary of Sony) produces acts as spyware, which the EFF claims is against Texas law. The program, known as XCP, is said to install software on one’s system when they insert the CD into their computer for purposes such as adding to iTunes music software.

Sony currently rejects the idea of XCP technology being considered as spyware, however they have agreed to replace CDs with the software and to temporarily discontinue the installation of it on their CDs.

Among the controversy that Sony’s moves to counter piracy have raised is the accusation that their software leaves a machine more vulnerable to attacks across the Internet. A trojan horse has already been found in the wild that utilizes one of the anti-piracy software’s functions.

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Scientists report chemotherapy cocktail may cause adult women to grow new egg cells

Wednesday, December 7, 2016

Chemotherapy is usually associated with a collection of side effects ranging from digestive problems to hair loss, but a study published this week in Human Reproduction demonstrated that female cancer patients may find they have something in common with much younger women in one specific area — their ovaries.

Scientists from the University of Edinburgh examined donated ovarian tissue from fourteen female cancer patients, most of whom had Hodgkin lymphoma, and compared it to tissue from healthy women. They found the samples from women who had been treated with a specific chemotherapeutic regimen known as ABVD not only contained greater numbers of dormant ova — egg cells — than those from women treated with harsher regimens but also more than samples from healthy women. ABVD is named for combining several drugs known as adriamycin, bleomycin, vinblastine, and dacarbazine.

These reproductive cells were not merely more plentiful in ABVD patients. They also appeared immature, “new” in the words of lead researcher Evelyn Telfer. This challenges the conventional belief that girls are born with all the ova they will ever have and the numbers can only go down as the cells are either used up by the reproductive cycle or succumb to damage or natural aging. However, further research is needed to confirm this. The study covered relatively few patients by scientific standards, and David Albertini of the Center for Human Reproduction in New York has suggested the cells may not actually be freshly grown. Instead, they may have always been there and were merely rendered more detectable by ABVD treatment.

The ability to grow new egg cells may have significant implications for women in Western societies, many of whom postpone childbearing to establish careers, sometimes into their late thirties or forties. However, Telfer warns against making use of these findings too soon: “There’s so much we don’t know about the ovary. We have to be very cautious about jumping to clinical applications.”

The experiments had been discussed earlier this year at the annual conference of the European Society of Human Reproduction and Embryology.

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Taylor Swift’s 1989 wins Grammy’s Record of the year; Bad Blood wins the Best Music Video

On Monday, US singer Taylor Swift won the 58th Grammy Awards Album of the Year for her album 1989, and her video song Bad Blood won the Grammy Award for the Best Music Video.

There will be people who will try to undercut your success

This was the second time Swift has won the award for the Album of the Year. She previously won for her album Fearless in 2010. Swift collected three Grammys at this year’s awards ceremony: Best Music Video, Best Pop Vocal Album and Album of the Year.

With this Album of the Year win, she became the first woman to win two Grammy Awards in the category. At the beginning of the award ceremony, Swift performed her song Out of the Woods live.

The other nominees for the Album of The Year were Alabama Shakes’ Sound & Color, Kendrick Lamar’s To Pimp a Butterfly, Chris Stapleton’s Traveller, and The Weeknd’s Beauty Behind the Madness. Canadian singer The Weeknd won two awards for Best Urban Contemporary Album and Best R&B Performance.

While receiving her award, Swift left a message for younger women saying “there will be people along the way who will try to undercut your success or take credit for your accomplishments […] don’t let those people sidetrack you, someday when you get where you’re going you’ll look around and you’ll know that it was you and the people who love you who put you there, and that will be the greatest feeling in the world.”

Kendrick Lamar, who featured in the Bad Blood video, won five awards including for Bad Blood. Swift’s friend Ed Sheeran won the Song of the Year for Thinking Out Loud ahead of her song Blank Space from the album 1989.

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Managing Travel For Larger Groups Is Simpler With A Quality Charter Bus In Pittsburgh}

Submitted by: Iris K. Allen

Being in charge of transportation for large groups can be a lot of stress. Whether its for school aged children, members of the church, employees with a large company, or any other type situation, booking a Charter Bus in Pittsburgh is a grave responsibility.

Safety is Always the top Priority:

For people booking Pittsburgh Charter Buses, whether its for a small group of people or several thousand, its a great responsibility. Safety is usually the top concern, followed closely behind by affordability.

Because safety is so important, its absolutely essential to choose a company thats been around long enough to have built up a stellar reputation. There are many companies that offer services of a Charter Bus Pittsburgh that dont actually have a lot of experience.

The smaller, relatively new companies might have older model buses, drivers who arent yet fully experienced behind the wheel, and may have a tendency to drive faster to get to their next fare, if they have one already booked, too.

What to do First:

When it comes to any Pittsburgh Charter Buses, the first thing a person should do is check the credibility of the company offering those services. How long has the company been around? Has it been around for just a year or less? That doesnt necessarily disqualify it, but it certainly limits faithfulness, especially among clients.A company thats been around for decades, on the other hand, will have shown and proven its history through many years of on time service, reliability, and safety.

Follow-Up:

When booking a Charter Bus Rental Pittsburgh, making the reservation is probably the simplest thing you can do. When you know the date of this special event, out of state trip, sightseeing tour, or anything else, that makes it a lot easier to book a reservation with a charter bus company.

The earlier you make this reservation, the better its going to be for you and those planning on going on this trip. It reduces any risk the company overbooks and no longer has availability. However, its important to follow up, especially as the date fast approaches.

If there are any last-minute changes to the reservation, fewer people than expected will be actually going on this trip, or maybe a lot more than expected will be attending, keeping in close contact with the company that provides the Charter Buses of Pittsburgh will be essential.By choosing a company that has a lot of experience under its belt, it will make managing this trip a lot easier, more comfortable, and more confident.

Being in charge of transportation for large groups can be a lot of stress. Whether its for school aged children, members of the church, employees with a large company, or any other type situation, booking a Charter Bus in Pittsburgh is a grave responsibility.

Safety is Always the top Priority:

For people booking Pittsburgh Charter Buses, whether its for a small group of people or several thousand, its a great responsibility. Safety is usually the top concern, followed closely behind by affordability.

Because safety is so important, its absolutely essential to choose a company thats been around long enough to have built up a stellar reputation. There are many companies that offer services of a Charter Bus Pittsburgh that dont actually have a lot of experience.

The smaller, relatively new companies might have older model buses, drivers who arent yet fully experienced behind the wheel, and may have a tendency to drive faster to get to their next fare, if they have one already booked, too.

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Wikinews’ overview of the year 2007

Monday, December 31, 2007

What would you tell your grandchildren about 2007 if they asked you about it in, let’s say, 20 year’s time? If the answer to a quiz question was 2007, what would the question be? The year that you first signed on to Facebook? The year Britney Spears and Amy Winehouse fell apart? The year author Kurt Vonnegut or mime Marcel Marceau died, both at 84?

Let’s take a look at some of the international stories of 2007. Links to the original Wikinews articles are in bold.

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US General invokes right against self-incrimination in Abu Ghraib case

Thursday, January 12, 2006Maj. Gen. Geoffrey Miller, a top US commander who supervised the detention and interrogation of detainees at Guantanomo Bay and Abu Ghraib facilities declined to testify in a court-martial proceeding, by invoking his right to not implicate himself, the Washington Post reports. This is believed to be the first time that the role of senior officers in the prisoner abuse scandal has formally surfaced.

Gen. Miller declined to testify during the court-martial trial involving two dog-handlers who are accused of detainee abuse. An attorney for one of the accused is seeking to question Miller on whether he ordered the use of dogs to frighten detainees during interrogations.

Gen. Miller’s lawyer has stated that the decision to decline testifying was taken as Miller has been repeatedly interviewed over the last several years, and that he stands by his previous statements made to Congress, Army Investigators and lawyers.

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Chula Vista, California becomes model for blight control laws in the US

Tuesday, October 14, 2008

The San Diego, California suburb of Chula Vista has responded to the recent housing crisis with an aggressive blight control ordinance that compels lenders to maintain the appearance of vacant homes. As foreclosures increase both locally and throughout the United States, the one year old ordinance has become a model for other cities overwhelmed by the problem of abandoned homes that decay into neighborhood eyesores.

Chula Vista city code enforcement manager Doug Leeper told the San Diego Union Tribune that over 300 jurisdictions have contacted his office during the past year with inquiries about the city’s tough local ordinance. Coral Springs, Florida, and California towns Stockton, Santee, Riverside County, and Murietta have all modeled recently enacted anti-blight measures after Chula Vista’s. On Wednesday, 8 October, the Escondido City Council also voted to tighten local measures making lenders more accountable for maintenance of empty homes.

Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.

Under the Chula Vista ordinance lenders become legally responsible for upkeep as soon as a notice of mortgage default gets filed on a vacant dwelling, before actual ownership of the dwelling returns to the lender. Leeper regards that as “the cutting-edge part of our ordinance”. Chula Vista also requires prompt registration of vacant homes and applies stiff fines as high as US$1000 per day for failure to maintain a property. Since foreclosed properties are subject to frequent resale between mortgage brokers, city officials enforce the fines by sending notices to every name on title documents and placing a lien on the property, which prevents further resale until outstanding fines have been paid. In the year since the ordinance went into effect the city has applied $850,000 in fines and penalties, of which it has collected $200,000 to date. The city has collected an additional $77,000 in registration fees on vacant homes.

Jolie Houston, an attorney in San Jose, believes “Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.” Traditionally, local governments have resorted to addressing blight problems on abandoned properties with public funds, mowing overgrown lawns and performing other vital functions, then seeking repayment afterward. Chula Vista has moved that responsibility to an upfront obligation upon lenders.

That kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.

As one of the fastest growing cities in the United States during recent years, Chula Vista saw 22.6% growth between 2000 and 2006, which brought the city’s population from 173,556 in the 2000 census to an estimated 212,756, according to the U.S. Census Bureau. Chula Vista placed among the nation’s 20 fastest growing cities in 2004. A large proportion of local homes were purchased during the recent housing boom using creative financing options that purchasers did not understand were beyond their means. Average home prices in San Diego County declined by 25% in the last year, which is the steepest drop on record. Many homeowners in the region currently owe more than their homes are worth and confront rising balloon payment mortgages that they had expected to afford by refinancing new equity that either vanished or never materialized. In August 2008, Chula Vista’s eastern 91913 zip code had the highest home mortgage default rate in the county with 154 filings and 94 foreclosures, an increase of 154% over one year previously. Regionally, the county saw 1,979 foreclosures in August.

Professionals from the real estate and mortgage industries object to Chula Vista’s response to the crisis for the additional burdens it places on their struggling finances. Said San Diego real estate agent Marc Carpenter, “that kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.” Yet city councils in many communities have been under pressure to do something about increasing numbers of vacant properties. Concentrations of abandoned and neglected homes can attract vandals who hasten the decline of struggling neighborhoods. Jolie Houston explained that city officials “can’t fix the lending problem, but they can try to prevent neighborhoods from becoming blighted.”

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CEO Robert Klein of Safeguard, a property management firm, told the Union Tribune that his industry is having difficulty adapting to the rapidly changing local ordinances. “Every day we discover a new ordinance coming out of somewhere”, he complained. Dustin Hobbs, a spokesman from the California Association of Mortgage Bankers agreed that uneven local ordinances are likely to increase the costs of lending. Hobbs advised that local legislation is unnecessary due to California State Senate Bill 1137, which was recently approved to address blight. Yet according to Houston, the statewide measure falls short because it fails to address upkeep needs during the months between the time when foreclosure begins and when the lender takes title.

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Kansas library discusses Wikipedia

Tuesday, February 5, 2008

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

A diverse group of approximately 25 people gathered at the Johnson County Library on Monday to participate in reference librarian Scott Vieira’s class, Wikiwhatia? Wikipedia.

Scott opened the session by sharing a disparaging quote from Robert McHenry (former editor-in-chief of Encyclopedia Britannica) comparing Wikipedia to a public restroom. He then shared a quote from Andrew Keen, author of The Cult of the Amateur, in which he stated Wikipedia is the blind leading the blind. Scott shared Wikipedia usage data from a 2007 Pew Internet study showing 36% of adults have consulted Wikipedia and that that Wikipedia receives 10,000-30,000 searches per second. Scott also pointed out that Wikipedia now has over two million articles in English alone (over nine million articles in 250 languages). So there is a discrepancy here, lots of critics and lots of use.

Scott then shared some historical information in order to provide a context for understanding Wikipedia. This included some important names and dates in the history of encyclopedias… including Pliny the Elder (23-79 C.E.) who published 37 Volumes of Natural History, and Joachim Sterck van Ringelbergh (c. 1499-1556) who first used the term encyclopedia, and then d’Alembert and Diderot who published 17 volumes of their French Encyclopedia from 1751-1765. Encyclopedia Britannica was first published in Scotland in serial format 1768-1771.

Scott also discussed more recent history, sharing a photo of Ward Cunningham –who is credited with being the inventor of wiki software. Wikipedia was founded on Jan 15, 2001 by Larry Sanger and Jimmy Wales. Sanger left Wikipedia in 2002 and founded Citizendium in 2007 a complementary project which now has 4500 articles.

After the historical perspective, the class moved into using Wikipedia. Everyone in the audience had used Wikipedia. The class explored the content of Wikipedia, realising there is a whole lot going on. Scott demonstrated that the article about “frogs” for example, is semi-protected. The “history of science” article was examined, including the history of changes. Discussion covered how people contribute, who contributes and edits. The group also talked about Wikipedia bots, which aid in routine tasks in a semi-automated or automated fashion.

A discussion about teachers, school media specialists and students regarding their use of Wikipedia ensued. Some teachers and school media specialists are negative about Wikipedia, but Scott’s hope is that they will use it to start a discussion about the need to evaluate and critically think about information (even when it’s from more traditionally reviewed and edited sources).

An unanswered question from an audience member was, “What was the first Wikipedia article?”

Discussion topics from Scott to audience were as follows:

  • Do you think Wikipedia is less accurate than published resources and how important is that accuracy to you?
  • How do we determine authority on a subject? How important is it that an article be written by an expert? How is Wikipedia changing our idea of what an authority is?
  • Currency – the ability to publish immediately – what are the advantages and what are the disadvantages?
  • What do we think about the content selection in Wikipedia?
  • Should Wikipedia be used by librarians?
  • What do you think about the future of Wikipedia?
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Parents prosecuted after homeopathic treatment leads to daughter’s death

Friday, May 8, 2009

Thomas Sam, 42, and his wife Manju Sam, 36, from Sydney, Australia, are undergoing trial for manslaughter by gross negligence for the death of their nine-month-old child, Gloria. She died from infection caused by severe eczema after they shunned effective conventional medical treatments for homeopathy, a form of alternative medicine that has been described as pseudoscience. Articles in peer-reviewed academic journals including Social Science & Medicine have characterized homeopathy as a form of quackery.

Gloria developed severe eczema at the age of four months and the parents were advised to send the child to a skin specialist. Thomas Sam, a practising homeopath, instead decided to treat his daughter himself. His daughter’s condition deteriorated, to the point that the baby spent all her energy battling the infections caused by the constant breaking of the skin, leading to severe malnutrition and, eventually, her death. By the end, Gloria’s eczema was so severe that her skin broke every time her parents changed her clothes or nappy, and in the words of the Crown prosecutor, Mark Tedeschi, QC, “Gloria spent a lot of the last five months of her life crying, irritable, scratching and the only thing that gave her solace was to suck on her mother’s breast.” Gloria also became unable to move her legs.

Mr. Tedeschi also told the court that, over the last five months of her life, “Gloria’s eczema played a devastating role in her overall health and it is asserted by the Crown that both her parents knew this and discussed it with each other.” However, despite their child’s severe illness, and her lack of improvement, the Sams continued to shun conventional medical treatment, instead seeking help from other homeopaths and naturopaths. Gloria temporarily improved during the rare times they used conventional treatments, but they soon dropped them in favour of homeopathy, and she consistently worsened.

Allegedly, Thomas’ sister pleaded with him to send Gloria to a conventional medical doctor, but he replied “I am not able to do that”. The parents are also accused of putting their social life ahead of their child, taking her on a trip to India and leaving her to servants while embarking on a busy social schedule, and giving her homeopathic drops instead of using the prescription creams they had been given.

Gloria was finally taken to the emergency department shortly before her death. By this time, “her skin was weeping, her body malnourished and her corneas melting”, according to the Sydney Morning Herald.

Speaking in the parents’ defense, Tom Molomby, SC, said that, as the parents came from India, where homeopathy is in common use, they should be declared not guilty due to cultural differences.

Homeopathy is a form of alternative medicine which treats patients with massively diluted forms of substances that, if given to a healthy person undiluted, would cause symptoms similar to the disease. Typical treatments take the dilutions, with ritualised shaking between each step of the dilution, past the level where any molecules of the original substance are likely to remain; for homeopathic treatments to work, basic well-understood concepts in chemistry and physics would have to be wrong. There is no evidence that homeopathy is more effective than placebo for any condition.

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