Monday, April 30, 2012

How to Perm Your Own Hair at Home

There are some things you should reconsider before doing your own perm at home. If your hair is color treated, fine and fragile, damaged, doesn't have good elasticity, or if you've tried perming your hair before and it didn't take well, I would strongly advise that you go to your professional stylist to get your perm and not do it at home. If you try to do it at home, it could cause severe fading of your color and/or hair breakage if you use the wrong perm or time it incorrectly.

Once you've decided that your hair is wholesome and you can perm your own hair at home, you'll need to rule what kind of a perm you'd like. Are you going for a completely new style? Do you just want to add a slight texture to the style you have? Do you want something super curly? A perm is great if you have simply level hair and you want to be able to do more styles with it. A perm makes hard to curl hair more versatile and easier to manage. You'll still be able to wear it level if you'd like, but if you like to shake things up a slight sometimes and go curly, the perm will make your hair more pliable and will help it to hold whatever style you can dream up. It also works well if your hair is too curly. Perming your hair using a larger rod will reshape your curls into something more manageable.

Health Care Reforms

Now that you've decided how you want your hair to look, you'll need supplies! The things you'll need to do a perm at home are perming rods, wrapping papers, a plastic tail comb, plastic hair clips, old towels, a perming kit, and a good friend! Wrapping a perm can be lively by yourself. The type of perming rods you'll need depend on what shape curl you want. It's mostly tasteless sense: A skinnier rod will give you tighter curls whereas a larger rod will give you bigger curls. If you're not sure what size to get, you can do some experimenting to get an idea. Pick up some perming rods in the size you think you'll like, and after shampooing your hair add some styling product and wrap up a section or two of your hair Let it dry and then remove the rod. The size curl you see will be a good indication of what your perm will look like. You can also do a test curl if you want to pick up an extra perming kit. Instead of doing your entire head, just do one rod and see how it turns out. You can adjust the size of the rod your going to use from there.

How to Perm Your Own Hair at Home

Ok! So you've decided on a style, you've got your supplies (and your friend), now where to start? Here is How to Perm Your Hair 101:

1. Start with freshly shampooed hair Do not use a heavy conditioner on your hair before perming! This can keep the perming solution from lively into your hair Section your wet hair into 4 sections by doing a part right down the middle of your head (like you're going to do pigtails), and then doing an additional one part from about halfway back down the side of your head to the back of your ear. Clip up these sections with your plastic hair clips.

2. Beginning at the top of one of the back sections, take a section of hair to wrap. Remember to never take a section that's larger then the distance or the circumference of the perming rod. Doing so will cause your hair to overdirect and/or pull which can cause breakage. It's all the time good to take a smaller section than one that is too wide.

3. Comb the section of hair out level and cover the ends of your hair with the wrapping paper by folding it in half around your hair If you're having a hard time with this part, keep a water bottle handy. Spraying some water on the ends of your hair will help the protective wrapping papers "stick" where you want them. The most important thing to remember during this process is to make sure your ends are completely covered with the paper to protect them and keep them from splitting during the perming process.

4. Beginning at the end of each protectively wrapped section, roll each section of hair around the perming rod. The most tasteless way of doing this is to roll the hair under around the rod and procure it with the band when you reach the scalp being faithful not to let the band cut into the hair If the band is too tight or causing too much stress on the hair it can cause breakage when the perming solution is applied. There are other ways you can roll your hair around the perming rod depending on what type of curl you'd like, but I would advise sticking to this tasteless procedure, at least for now. Continue this process until your entire head is rolled (or the section you want permed if you're not doing all of your hair to suit your hairstyle), Beginning at the top of each section and working your way to the bottom.

5. Now you're ready to apply the perming solution. There are basically two types of perms you can buy. One is an alkaline perm, and the other is an acid perm. An alkaline perm is for harder to perm hair such as gray or defiant hair that isn't colored or damaged. An acid perm is a gentler perm and is recommended for easy to curl or color treated hair corollary the directions in your perming kit as to how to mix and apply the perming solution. This process basically breaks the disulphide bonds in your hair that give it it's shape. Be sure and completely saturate all of the rods with the perming solution evenly and completely or you'll end up with an uneven perm. You may need to get two perming kits if you have a lot of hair.

6. If directed, cover your hair with a plastic cap and set your timer for the period indicated in the instructions. If you're not sure how long to leave the perming solution on, you can do the "S-Test". To do this, partially unwrap one section of hair from the perming rod. Moderately push the hair towards the scalp until it bends. If you can see a prevalent "S" shape in the hair then your done. Once the perming solution has processed, you're going to need to Moderately rinse your hair thoroughly. Do Not remove The Perming Rods.

7. After your hair is completely rinsed with water, Moderately blot your hair in the rods until it's only damp. Paper towels work well for this step to soak up the excess moisture. Now it's time for the neutralizer. The neutralizer will reform the broken bonds of your hair into the new shape indicated by the perming rods. Following the directions in your perm kit, saturate the hair with the neutralizing solution. Save some of the neutralizer, you're going to need it in a bit. Regularly this stays on for five minutes.

8. Once you're all neutralized, you can start Moderately unwrapping your hair When your hair is completely unwrapped, apply the remaining neutralizer to your hair manufacture sure every seacoast is saturated. Rinse your hair with cool water, and you're done!

Some things to remember after perming:

Do not shampoo your hair for 24-48 hours after perming! All of your hard work may be for naught if you forget and your perm falls out. If you have problems with frizziness, it's ok to apply a slight gel or something to tame it down. Rinsing your hair with just water is also ok.

Once you start shampooing your hair again, be sure and use a good moisturizing shampoo and conditioner to replenish what was lost after perming.

Try to avoid wrapping your wet hair up turban style in a towel and instead blot your hair dry. This will avoid stress and breakage on your new curls.

You Can wear your hair level after perming if you'd like. Although letting your hair dry simply is best, it won't hurt your perm to blow your hair out level and/or using a straightening iron. Just make sure and use styling products for dry hair that will protect it from the heat of styling aids.

Never color your hair before perming! all the time perm first if you're going to do both. The perm will fade out your color. Also, it's best to wait 2 weeks between each procedure.

Your new perm should last you between three and five months before you'll have to touch it up. I hope this has been helpful! Remember, if you're not determined in perming your own hair at home by yourself, you can all the time go see your local stylist!

How to Perm Your Own Hair at Home

Sunday, April 29, 2012

Party Favors interviews "Mr. Cao Goes to Washington" at Full Frame 2012

Party Favors interviews "Mr. Cao Goes to Washington" at Full Frame 2012 Video Clips. Duration : 13.62 Mins.

Rep. Joseph Cao was the first Vietnamese American to become a member of Congress. He won a district in New Orleans by beating an incumbent that had been busted for having thousands of dollars hidden in his freezer. Cao gets in trouble with the GOP when he votes for the health care reforms. Director Leo S. Chiang talks about following Cao around during his failed re-election campaign.

Tags: Joseph Cao, Mr. Cao Goes to Washington, Full Frame 2012, Full Frame, GOP, RINO

Saturday, April 28, 2012

Limbaugh pulled something out of his BUTT...AGAIN! Now he's moving to Costa Rica

Limbaugh pulled something out of his BUTT...AGAIN! Now he's moving to Costa Rica Tube. Duration : 2.55 Mins.

Hate radio host Rush Limbaugh has been one of health care reforms most vociferous opponents, warning that [h]uman beings will die earlier than normal under the freedom killing and life threatening plan, and calling for it to be aborted. Yesterday, Limbaugh put his money where his mouth is, saying that if health care passes and all his fears are realized, hell leave the country: CALLER: If the health care bill passes, where would you go for health care yourself? And the second part of that is, what would happen to the doctors, do they have to participate in the federal program, or could they opt out of it? [...] LIMBAUGH: My guess in even in Canada and even in the UK, doctors have opted out. And once theyve opted, they cant see anybody Medicare, Medicaid, or what will become the exchanges. They have to have a clientele of private patients that will pay them a retainer and itll be a very small practice. I dont know if thats been outlawed in the Senate bill. I dont know. Ill just tell you this, if this passes and its five years from now and all that stuff gets implemented — I am leaving the country. Ill go to Costa Rica. Listen here:

Tags: rushlimbaughleavingthecountry, 0002

Thursday, April 26, 2012

Stalin and His Role In Bringing Communism to Russia

Joseph Stalin was one of the original revolutionaries for communism in Russia. Ironically, Stalin's idea of the communist state was much more about privilege and dictatorship than equality for the people.

Stalin and His Role In Bringing Communism to Russia

Health Care Reforms

Joseph Stalin, born Iosif Vissarionovich Dzhugashvili, was the second communist leader of the Soviet Union. Originally educated to come to be a priest, Stalin (he adopted the name in 1913) became complex with the socialist and Marxist parties while at seminary school. He spent many years throughout this duration campaigning for the Communist party, being jailed for his beliefs and even exiled to Siberia. Stalin and Communism are two terms that go hand in hand, as his rise to power in the party cemented Communism as the political system for the Soviet Union.

Stalin and His Role In Bringing Communism to Russia

Stalin started his Communist rise to power in the year 1912. At this time, he was brought into the Bolshevik's Central Committee at the Prague Party Conference. Stalin was already the editor of the Communist newspaper "Pravda", and used his affect with the paper to push against the agenda of Vladimir Lenin. After the February Revolution, in April 1917, Joseph Stalin was elected to the Central Committee, and by May was also elected to the Politburo of the Central Committee, a position that he held onto for the rest of his life.

Most accounts state that Stalin did not really play a major role in the November 7 revolution, although later books written by him and his staff state that he was in fact a huge part of the revolution. He created a fictional "Party Centre" where he and his staff were controlling all that went on while this time. On April 3, 1922, Joseph Stalin was elected to the position of the normal Secretary of the Central Committee of the Russian Communist Party. From this vantage point, he managed to build up the position to the most remarkable one in the country.

Stalin surprised his fellow party members by the way he was filling the major party offices with his allies, and he even took the dying Lenin by surprise. Lenin proposed that the "rude" Stalin should be removed from his office, but upon a vote from congress, this was denied - Lenin was deemed to be too ill to know what he was writing. Upon Lenin's death, Stalin and Communism took a sharp turn. Stalin knew that he had to appear loyal to Lenin in order to be seen as the next Communist leader, so he made sure to arrange Lenin's funeral and enunciate his loyalty. He undermined his biggest opponent, Trotsky, so that he could usurp the position.

Stalin gained his supreme rulership in 1928, after expelling much of his opposition from the party. He gained the trust and adoration of the population at first by proclaiming himself "a man of the people". By this time, however, Stalin made it so no one could oppose him even if they wanted to, he had supreme power.

Stalin and His Role In Bringing Communism to Russia

Wednesday, April 25, 2012

Gold & Silver - Destruction of the Dollar

Gold & Silver - Destruction of the Dollar Video Clips. Duration : 4.07 Mins.

The Federal Reserve is Responsible for the last 2 Decades of Economic Turmoil 1. Beginning with the Savings & Loan crisis in 1990, each engineered crisis is growing in intensity and carnage. First, there was the Internet bubble crash then the Real Estate bubble meltdown and now we are at the footsteps of an unprecedented acceleration of price increases in food and energy. In 2007, commodity prices soared when there was actually a slowdown in the global economy. There was no reason for commodity prices to go ballistic at that time, except for federal reserve intervention. The price of oil went from to 7. High gas prices actually burdened the average US consumer with an additional "tax" of five hundred billion dollars. That 500 billion dollar "hidden tax" was ONE of many reasons, we are IN the current Great (NON) Recession. (The US Dollar Index is Worthless) 2. On CNBC they often point to the dollar index and state that a weaker dollar is good for the export economy. Currently US Dollar index looks bad - but it actually means nothing because it is being compared to other world wide fiat currencies undergoing massive debasement. Worldwide central banks, seem to be in a currency death dance, racing each other to the bottom in the name of international competitiveness. Gold and Silver is the Only way to test the Strength of our Currency. The dollar is weakening against other currencies but when compared against the price of precious metals and raw materials we can see ...

Keywords: inflation, gold, silver, dollar, real, esate, Economy, Crisis

Tuesday, April 24, 2012

Candidates Unmoved By GOP Pledge

Candidates Unmoved By GOP Pledge Video Clips. Duration : 1.95 Mins.

Republicans unveiled a 21-page Pledge to America on Thursday. The pledge promises to slash taxes, cut government and reverse President Barack Obama's health care reforms.

Tags: gop

Monday, April 23, 2012

Jan Brewer PAC Spends Thousands On Governor's Own Book

Jan Brewer PAC Spends Thousands On Governor's Own Book Video Clips. Duration : 2.13 Mins.

Via Politico: "Arizona Republican Gov. Jan Brewer last year launched a federal political action committee, promising to use JAN PAC as a weapon to help create jobs, secure the nation's borders, fight President Barack Obama's health care reforms and shrink government. Instead, one of JAN PAC's primary expenses — almost 00 — has been purchasing copies of her book, "Scorpions for Breakfast," from, federal disclosure records filed today indicate. Read more from Dave Levinthal: Subscribe to The Young Turks: Find out how to watch The Young Turks on Current by clicking here: The Largest Online New Show in the World. Google+: Facebook: Twitter:

Keywords: jan pac, brewer pac, jan brewer book, brewer pac book, jan pac book, arizona governor, governor brewer, jan brewer, scorpions for breakfast, jan brewer obama

Sunday, April 22, 2012

The Role and point of Eia

Environmental security and reserved supply supervision has conventionally been given importance all over the world which has increased in up-to-date time. The ancient practices taught citizen to live in perfect harmony with nature. However, industrialization, urbanization and changing life styles over the years have affected environment drastically in causing pollution and environment degradation.

What is Eia

Health Care Reforms

The pollution in air, water and land has lead to ecological imbalance and potential health hazards. As a result, regulations in the form of laws and policies on environmental security were introduced. The Environmental Impact appraisal (Eia) is one such effort.

The Role and point of Eia

Environmental Impact appraisal (Eia) is the valid appraisal process to identify, predict, value and interpret the ecological, social, and connected biophysical effects of a proposed policy, program or project on the environment. It provides understanding on alternatives and measures to be adopted before any commitment, thus helps in leading decision-making. The uncut objective of the Eia is to establish developmental projects and activities taking into observation the environmental perspective.

Functions of Eia

The Eia provides the following benefits:

an opportunity for social participation, increased security of human health, the sustainable use of natural resources, reduced project costs and delays, minimized risks of environmental disasters, and increased government responsibility.

Eia particularly aims to optimize a trade-off between developmental activities and socio-ecological losses. It is a supervision tool connected intimately to the project providing approved environmental facts within the stipulated time.


Many countries now have mandatory legislation or policies for environmental impact assessments. In India Environmental Impact appraisal (Eia) was formally introduced in 1994. Both central and state authorities together share the responsibility of its amelioration and management. An post project appraisal analysis article drawn on Strength, Weakness, opportunity and Threat (Swot) highlights some constraints, such as improper screening and scope, ineffective monitoring and provides significant guidelines. The legislation provides realization of opportunity for increasing social awareness, initiatives of environmental groups and firm society and to incorporate environmental observation into plans and policies. Some of the unforeseen threats to the theory are poor governance, rapid economic reforms and favors to small-scale units.

Eia process involves three basic steps:

(a) making ready of the report: It involves screening, scoping and documentation.


Screening determines either Eia is required or not, any project in ecologically brittle areas and falling under coastal zone regulation, requires an Eia.


Scoping identifies the concerns and issues to be addressed for a singular project. It involves the following steps:

Baseline analysis: A comparison of project-induced environmental changes with the imaginable environmental changes without proposed project is assessed through baseline analysis. Impact prediction: The prediction analysis forecasts the nature and importance of the imaginable impacts. Impact mitigation measures: Environmental supervision Plan (Emp), risk appraisal article and disaster supervision plan (if hazardous substances are complicated in the project), resumption plan (if displacement of citizen is anticipated) are prepared to advise restorative measures.


(a) A uncut article is prepared which summarizes the article of the project, regional settings, baseline conditions, impact prediction and leading findings of the study.

(b) tell and decision-making-The Impact appraisal (Ia) branch reviews the application accompanied by the documents of Eia and Emp report, No objection certificate (Noc), risk appraisal and emergency preparedness plan, resumption plan, details of social hearing, clearance from airport authority and state forest departments, etc. The Ia is free to show the way site visits if considers necessary. Based on the Eia tell and other information, the Ia either grants or rejects the environment clearance to the project.

(c) Post project Monitoring (Ppm) -The Ppm ensures the implementation in accordance with the measures specified while providing the environmental clearance (Ec). Thus, it performs a dual task of identifying the actual environmental impacts of the project and implementation of the desired mitigation measures of the Emp.


To address the significant issues political commitment and social participation is indispensable. Improved effectiveness will also depend on drive of government branch coordination, integrated decision-making, enough training to various stakeholders and supporting infrastructure for purposeful monitoring and enforcement. The methods of conducting environmental impact assessments are ordinarily revised for progressive refinement that not only help take off existing constraints but also take care of future challenges.

The Role and point of Eia

Saturday, April 21, 2012

Health Care - A Socialistic System ?

Health Care - A Socialistic System ? Tube. Duration : 5.87 Mins.

An argumentation why obamas health care reforms are NOT socialistic.

Keywords: obama, health care, insurance, social, socialist, socialistic, reform

Friday, April 20, 2012

Universal health Care - Ethical Issues in health Care Reform

Universal health care seems to be a hotly debated topic whenever health care reform in the United States is discussed. 

Those who speak that health is an private responsibility do not want a law that requires them to contribute tax dollars to maintain fellow citizens who do not act responsibly in protecting or promoting their own health. They argue that they want the free time to choose their own physicians and treatments, and suggest that government cannot know what is best for them.  These citizen argue that preserving the current law with improvements to supply best guarnatee coverage for citizens who remain uninsured or under insured for their curative care needs is the only reform that is needed.

Health Care Reforms

Those who believe health care is an private right maintain a universal health care law with the consulation that every citizen deserves to have access to the right care at the right time and that a government's responsibility is to protect its citizens, sometimes even from themselves.

Universal health Care - Ethical Issues in health Care Reform

Two opposing arguments arising from two opposing ideologies.  Both are good arguments but neither can be the supporting consulation for implementing or denying universal health care.  The matter must be resolved through an ethical framework.

Examination of the ethical issues in health care reform would wish consideration of much dissimilar arguments  than those already presented.   Ethical issues would center on the moral right.  consulation would begin with not "What is best for me?" but rather  "How should we as a society be acting so that our actions are morally correct?"

Ethics refers to determining right and wrong in how humans quote to one another.  Ethical decision development for health care reform then would wish human beings to act in consideration of our relationships to each other not our own private interests.

Examination of some of the base ethical decision development theories can supply a foundation for a dissimilar perspective than one that is solely concerned  with private possession and freedoms. 

Ethical decision development requires that specific questions be answered in order to rule on either intended actions are good or morally correct.  Here are some questions that could be used in ethical decision development for health care reform.

What operation will bring the most good to the most people? What operation in and of itself is a good act and helps us to fulfill our duties, obligations, and responsibilities to each other? What operation in and of itself shows caring and concern for all citizens?

As the riposte to all  these questions, universal health care can all the time be thought about the right thing to do.

The United States is in the most advantageous position there is when it comes to health care reform.  They are the only industrialized country without a national health care law in place for all citizens.  They have the chance to learn from the mistakes that have been made by all the other countries that have already gone down the universal health care road. They have an chance to fabricate a law that can shine as a jewel in the crown of universal health care systems everywhere. 

However, all ethical decision development is structured nearby values.  In order for universal health care to be embraced by all citizens in the United States, they will first have to agree to the collective value of equity and fairness and embrace the goal of meeting their collective responsibility to each other while maintaining private possession and freedoms. That may prove to be the most difficult obstacle of all.

Universal health Care - Ethical Issues in health Care Reform

Thursday, April 19, 2012

Due Diligence Checklists - For industrial Real Estate Transactions

Planning to buy or finance industrial or industrial Real Estate? Shopping Center? Office Building? Restaurant/Banquet property? Parking Lot? Storefront? Gas Station? Manufacturing facility? Warehouse? Logistics Terminal? healing Building? Nursing Home? Hotel/Motel? Pharmacy? Bank facility? Sports and Entertainment Arena? Other?

A Key to investing in industrial real estate is performing an sufficient Due Diligence Investigation to assure you know all material facts to make a wise speculation decision and to imagine your foreseen, speculation yield.

Health Care Reforms

The following checklists are designed to help you conduct a focused and meaningful Due Diligence Investigation.

Due Diligence Checklists - For industrial Real Estate Transactions

Basic Due Diligence Concepts:

Commercial Real Estate transactions are Not similar to large home purchases.

Caveat Emptor: Let the Buyer beware.

Consumer safety laws applicable to home purchases seldom apply to industrial real estate transactions. The rule that a Buyer must examine, judge, and test for himself, applies to the buy of industrial real estate.

Due Diligence: "Such a quantum of prudence, activity, or assiduity, as is allowable to be foreseen, from, and commonly exercised by, a inexpensive and frugal [person] under the particular circumstances; not measured by any absolute standard, but depending upon the relative facts of the special case." Black's Law Dictionary; West Publishing Company.

Contractual representations and warranties are Not a substitute for Due Diligence.

Breach of representations and warranties = Litigation, time and money.

What Diligence Is Due?

The scope, intensity and focus of any due diligence investigation of industrial or industrial real estate depends upon the objectives of the party for whom the investigation is conducted. These objectives may vary depending upon whether the investigation is conducted for the advantage of (i) a Strategic Buyer (or long-term lessee); (ii) a Financial Buyer; (iii) a Developer; or (iv) a Lender.

If you are a Seller, understand that to close the transaction your Buyer (and its Lender) must address all issues material to its objective - some of which want facts only you, as Owner, can adequately provide.

General Objectives:

(i) A "Strategic Buyer" (or long-term lessee) is acquiring the property for its own use and must verify that the property is favorable for that intended use.

(ii) A "Financial Buyer" is acquiring the property for the foreseen, return on speculation generated by the property's earnings stream, and must resolve the amount, velocity and durability of the earnings stream. A sophisticated Financial Buyer will likely imagine its yield based upon discounted cash-flows rather than the must less strict capitalization rate ("cap rate"), and will need sufficient financial facts to do so.

(iii) A "Developer" is seeking to add value by changing the character or use of the property - normally with a short-term to intermediate-term exit strategy to arrange of the property; although, a Developer might plan to hold the property long term as Financial Buyer after improvement or redevelopment. The Developer must focus on whether the planned turn is character or use can be accomplished in a cost-effective manner. A developer conducting due diligence will focus on issues interesting market demand, access, use and finances.

(iv) A "Lender" is seeking to compose two basic lending criteria:

1. "Ability to Repay" - The capability of the property to create sufficient earnings to repay the loan on a timely basis; and

2. "Sufficiency of Collateral" - The objective disposal value of the collateral in the event of a loan default, to assure sufficient funds to repay the loan, carrying costs and costs of collection in the event forced collection becomes necessary.

The amount of diligent inquiry due to be expended (i.e. "Due Diligence") to investigate any particular industrial or industrial real estate task is the amount of inquiry required to respond each of the following questions to the extent relevant to the objectives of the party conducting the investigation:

I. The Property:

1. Exactly what property does Purchaser believe it is acquiring?

(a) Land?

(b) Building?

(c) Fixtures?

(d) Other Improvements?

(e) Other Rights?

(f) The entire fee title interest including all air proprietary and subterranean rights?

(g) All improvement rights?

2. What is Purchaser's planned use of the Property?

3. Does the corporal health of the property permit use as planned?

(a) Commercially sufficient way to group streets and ways?

(b) sufficient parking?

(c) Structural health of improvements?

(d) Environmental contamination?

(i) Innocent Purchaser defense vs. Exemption from liability

(ii) All approved Inquiry

4. Is there any legal restriction to Purchaser's use of the property as planned?

(a) Zoning?

(b) incommunicable land use controls?

(c) Americans with Disabilities Act?

(d) Availability of licenses?

(i) Liquor license?

(ii) Entertainment license?

(iii) Outdoor dining license?

(iv) Drive straight through windows permitted?

(e) Other impediments?

5. How much does Purchaser expect to pay for the property?

6. Is there any health on or within the property that is likely to growth Purchaser's sufficient cost to regain or use the Property?

(a) property owner's assessments?

(b) Real estate tax in line with value?

(c) special Assessment?

(d) Required user fees for valuable amenities?

(i) Drainage?

(ii) Access?

(iii) Parking?

(iv) Other?

7. Any encroachments onto the Property, or from the property onto other lands?

8. Are there any encumbrances on the property that will not be cleared at Closing?

(a) Easements?

(b) Covenants Running with the Land?

(c) Liens or other financial servitudes?

(d) Leases?

9. Leases?

(a) safety Deposits?

(b) Options to extend Term?

(c) Options to Purchase?

(d) proprietary of First Refusal?

(e) proprietary of First Offer?

(f) Maintenance Obligations?

(g) Duty on Landlord to contribute utilities?

(h) Real estate tax or Cam escrows?

(i) Delinquent rent?

(j) Pre-Paid rent?

(k) Tenant mix/use controls?

(l) Tenant exclusives?

(m) Tenant parking requirements?

(n) self-operating subordination of Lease to time to come mortgages?

(o) Other material Lease terms?

10. New Construction?

(a) Availability of construction permits?

(b) Utilities?

(c) Npdes (National Pollutant removal Elimination System) Permit?

(i) Phase 2 sufficient March 2003 - Permit required if earth is disturbed on one acre or more of land.

(ii) If applicable, Storm Water Pollution arresting Plan (Swppp) is required.

Ii. The Seller:

1. Who is the Seller?

(a) Individual?

(b) Trust?

(c) Partnership?

(d) Corporation?

(e) microscopic Liability Company?

(f) Other legally existing entity?

2. If other than natural person, does jobber validly exist and is jobber in good standing?

3. Does the jobber own the Property?

4. Does jobber have authority to transport the Property?

(a) Board of Director Approvals?

(b) Shareholder or Member approval?

(c) Other consents?

(d) If foreign individual or entity, are any special requirements applicable?

(i) Qualification to do company in jurisdiction of Property?

(ii) Federal Tax Withholding?

(iii) Us Patriot Act compliance?

5. Who has authority to bind Seller?

6. Are sale proceeds sufficient to pay off all liens?

Iii. The Purchaser:

1. Who is the Purchaser?

2. What is the Purchaser/Grantee's exact legal name?

3. If Purchaser/Grantee is an entity, has it been validly created and is it in good standing?

(a) Articles or Incorporation - Articles of Organization

(b) Certificate of Good Standing

4. Is Purchaser/Grantee authorized to own and operate the property and, if applicable, finance acquisition of the Property?

(a) Board of Director Approvals?

(b) Shareholder or Member approval?

(c) If foreign individual or entity, are any special requirements applicable?

(i) Qualification to do company in jurisdiction of the Property?

(ii) Us Patriot Act compliance?

(iii) Bank Secrecy Act/Anti-Money Laundering compliance?

5. Who is authorized to bind the Purchaser/Grantee?

Iv. Purchaser Financing:

A. company Terms Of The Loan:

What loan terms have the Purchaser, as Borrower, and its Lender agreed to?

(a) What is the amount of the loan?

(b) What is the interest rate?

(c) What are the repayment terms?

(d) What is the collateral?

(i) industrial real estate only?

(ii) Real estate and personal property together?

(e) First lien? A junior lien?

(f) Is it a particular expand loan?

(g) A complicated expand loan?

(h) A construction loan?

(i) If it is a complicated expand loan, can the valuable be re-borrowed once repaid prior to maturity of the loan; production it, in effect, a revolving line of credit?

(j) Are there retain requirements?

(i) Interest reserves?

(ii) fix reserves?

(iii) Real estate tax reserves?

(iv) guarnatee reserves?

(v) Environmental remediation reserves?

(vi) Other reserves?

(k) Are there requirements for Borrower to open company operating accounts with the Lender? If so, is the Borrower obligated to claim minimum compensating balances?

(l) Is the Borrower required to pledge company accounts as added collateral?

(m) Are there early repayment fees or yield maintenance requirements (each sometimes referred to as "pre-payment penalties")?

(n) Are there repayment blackout periods during which Borrower is not permitted to repay the loan?

(o) Is there a Loan Commitment fee or "good faith deposit" due upon Borrower's acceptance of the Loan Commitment?

(p) Is there a loan funding fee or loan brokerage fee or other loan fee due Lender or a loan broker at closing?

(q) What are the Borrower's charge repayment obligations to Lender? When are they due? What is the Borrower's compulsion to pay Lender's expenses if the loan does not close?

B. Documenting The industrial Real Estate Loan

Does Purchaser have all facts valuable to comply with the Lender's loan closing requirements?

Not all loan documentation requirements may be known at the outset of a transaction, although most industrial real estate loan documentation requirements are fairly typical. Some required facts can be obtained only from the Seller. Production of that facts to Purchaser for delivery to its lender must be required in the buy contract.

As guidance to what a industrial real estate lender may require, the following sets forth a typical closing Checklist for a loan secured by industrial real estate.

Commercial Real Estate Loan closing Checklist

1. Promissory Note

2. Personal Guaranties (which may be full, partial, secured, unsecured, payment guaranties, collection guaranties or a collection of other types of guarantees as may be required by Lender).

3. Loan business agreement (often incorporated into the Promissory Note and/or Mortgage in lieu of being a isolate document)

4. Mortgage [sometimes wide to be a Mortgage, safety business agreement and Fixture Filing]

5. Assignment of Rents and Leases

6. safety Agreement

7. Financing Statement (sometimes referred to as a "Ucc-1", or "Initial Filing")

8. Evidence of Borrower's Existence In Good Standing; including

(a) Certified copy of organizational documents of borrowing entity (including Articles of Incorporation, if Borrower is a corporation; Articles of organization and written Operating Agreement, if Borrower is a microscopic liability company; Certified copy of trust business agreement with all amendments, if Borrower is a land trust or other trust; etc.)

(b) Certificate of Good Standing (if a corporation or Llc) or Certificate of Existence (if a microscopic partnership) or Certificate of Qualification to Transact company (if Borrower is an entity doing company in a State other than its State of formation)

9. Evidence of Borrower's Authority to Borrow; including

(a) a Borrower's Certificate;

(b) Certified Resolutions

(c) Incumbency Certificate

10. Satisfactory Commitment for Title guarnatee (which will typically require, for diagnosis by the Lender, copies of all documents of report appearing on schedule B of the title commitment which are to remain after closing), with required industrial title guarnatee endorsements, often including:

(a) Affirmative Creditors proprietary Endorsement (extending coverage over procedure exclusion 7 and procedure exclusions 3(a) and 3(d) as they retell to creditor's proprietary matters)

(b) Alta 3.1 Zoning Endorsement modified to comprise parking

(c) Alta full, Endorsement 1

(d) Location Endorsement (street address)

(e) way Endorsement (vehicular way to group streets and ways)

(f) Contiguity Endorsement (the insured land comprises a particular parcel with no gaps or gores)

(g) Pin Endorsement (insuring that the identified real estate tax permanent index numbers are the only applicable Pin numbers affecting the collateral and that they retell solely to the real property comprising the collateral)

(h) Usury Endorsement (insuring that the loan does not violate any prohibitions against immoderate interest charges)

(i) other title guarnatee endorsements applicable to protect the intended use and value of the collateral, as may be considered upon retell of the Commitment for Title guarnatee and survey or arising from the existence of special issues pertaining to the transaction or the Borrower.

11. Current Alta survey (3 sets), [typically ready in accordance with 2005 Minimum approved information for Alta/Acsm Land Title Surveys, certified to the lender, Buyer and the title insurer, including items 1 straight through 4, 6, 7(a), 7(b)(1), 8 straight through 11(a) and 14 from the Surveyor's "Optional survey Responsibilities and Specifications" referred to as "Table A"].

12. Current Rent Roll

13. Certified copy of all Leases (3 sets)

14. Lessee Estoppel Certificates

15. Lessee Subordination, Non-Disturbance and Attornment Agreements [sometimes referred to simply as "Sndas"].

16. Ucc, Judgment, Pending Litigation, Bankruptcy and Tax Lien quest Report

17. Appraisal (must comply with Title Xi of Firrea (Financial Institutions Reform, recovery and compulsion Act of 1989, as amended)

18. Environmental Site Appraisal report (sometimes referred to as Environmental Phase I and/or Phase 2 Audit Reports)

19. Environmental Indemnity business agreement (signed by Borrower and guarantors)

20. Site Improvements Inspection Report

21. Evidence of Hazard guarnatee naming Lender as the Mortgagee/Lender Loss Payee; and Liability guarnatee naming Lender as an "additional insured" (sometimes listed as simply "Acord 27 and Acord 25, respectively)

22. Legal notion of Borrower's Attorney

23. Credit Underwriting documents, such as signed tax returns, property operating statements, etc. As may be specified by Lender

24. Compliance business agreement (sometimes also called an Errors and Omissions Agreement), whereby the Borrower agrees to correct, after closing, errors or omissions in loan documentation.

It is useful to come to be familiar with the Lender's loan documentation requirements as early in the transaction as practical. The requirements will likely be set forth with some information in the lender's Loan Commitment - which is typically much more detailed than most loan commitments issued in residential transactions.

Conducting the Due Diligence Investigation in a industrial real estate transaction can be time interesting and expensive in all events.

If the loan requirements cannot be satisfied, it is good to make that measurement during the contractual "due diligence period" - which typically provides for a so-called "free out" - rather than at a later date when the earnest money may be at risk of forfeiture or when other liability for failure to close may attach.


Conducting an sufficient due diligence investigation in a industrial real estate transaction to survey all material facts and conditions affecting the property and the transaction is of valuable importance.

Unlike owner busy residential real estate, when a house can nearly always be busy as the purchaser's home, industrial real estate acquired for company use or for speculation is impacted by numerous factors that may affect its use and value.

The existence of these factors and their affect on a Purchaser's capability to use the property for its intended use and on the Purchaser's projected speculation yield can only be discovered straight through diligent investigation and attentiveness to detail.

The circumstances of each transaction will resolve what degree of diligence is required. The level of diligence required under the circumstances is the diligence that is due.

Exercise Due Diligence.

Due Diligence Checklists - For industrial Real Estate Transactions

Tuesday, April 17, 2012

Barack Obama on health care reforms

Barack Obama on health care reforms Video Clips. Duration : 0.35 Mins.

Barack Obama discusses his policies on health care reform

Tags: Barack, Obama, Michelle, Healthcare, Health, Care, Reforms, US, USA, America, Jurassic, Park

Sunday, April 15, 2012

Health Care Reforms Divide Business Community

Health Care Reforms Divide Business Community Video Clips. Duration : 2.40 Mins.

President Barack Obama's plans to reform the health care system are getting a mixed reception in the Maine business community. News 8's Tracy Sabol reports.

Tags: Health, Care, reform

Saturday, April 14, 2012

"Health Freedom' Conference Committee, 1 of 3

"Health Freedom' Conference Committee, 1 of 3 Video Clips. Duration : 8.03 Mins.

Part 1 of 3. Six Tennessee state legislators meet in a conference committee to iron out differences between two bills looking to buck the federal health care reforms.

Keywords: Susan Lynn, Mae Beavers, Tennessee, Legislators, health care, health reform, obamacare, Diane Black, Doug Jackson, Joe mccord, Gerald mccormick

Friday, April 13, 2012

How to Format Your Pc

(Formatting a Pc is to delete all the data that currently is on your Computer and upgrade it to a newer version of an operating ideas or install the same operating ideas once again on the same computer.)

A virus has intruded in your Pc or you want to upgrade from your older versions of Windows, you will have to format your Pc. Formatting your Pc can sometimes be a very tough process if you do not have the proper knowledge.

Health Care Reforms

There are many benefits of formatting such as: Faster Computer No Virus etc.

How to Format Your Pc

But there are some disadvantages too: You lose all your data You have to install all your favourite software once again.

Now, lets start the process of formatting a Pc.

First of all, you will need a bootable disk of Windows Xp to boot your computer from the disk. Warning -- Please backup all your data before you format your Pc.

The process of formatting is as follows:

1. Insert the Windows Xp bootable disk in the Cd drive.
2. Restart your Pc (if it was already running).
3. Press enter when the monitor reads Press Any Key.
4. Now comes the time to partition your drives.
5. If you want to delete any partition, press D or L(whichever is displayed on the screen).
6. Afterwards format the drive you want to install the operating ideas (Xp) in.
7. Press Enter.
8. The formatting will start.
9. Succeed the procedures. 10.It should take nearby 40 minutes for the premise to finish. 11.Use windows(Have A Good Time).

How to Format Your Pc

Wednesday, April 11, 2012

Ambulance access to be improved across the country

Ambulance access to be improved across the country Tube. Duration : 2.17 Mins. The Ministry of Public Health and Sanitation has sent out 43 ambulances to various parts of the country, to boost the provision of emergency health care. The initiative is part of a four billion shilling programme that seeks to initiate comprehensive health care reforms in the country.

Tags: Ntv, kenya, ambulance, access, remote, emergency, health, care, ministry, public, sanitation, reform

Tuesday, April 10, 2012

Do You Want Curls With That?: The History of Hair Perm rehabilitation and How It Works

Hair treatments have been used all through out history by women and men alike to heighten their appearances. Once of the most noted hair medicine that is still used up until today is the perm treatment.

When a perm medicine is done on a person's hair, curls are created in the hair shaft. These curls appear as a corollary of the alteration of the hair's chemical structure.

Health Care Reforms

Due to the use of chemical treatments, the curls made from a perm medicine last longer than those curls made by heating or styling by curlers. The curls made from this medicine cannot be destroyed unless by an additional one chemical medicine is done on the person's hair.

Do You Want Curls With That?: The History of Hair Perm rehabilitation and How It Works

The perm medicine has gone far back in history. Women of aged Egypt used to put on a concoction of soil and water to their hair. Afterwards, they set their hair using primitive curlers made out of wood and bask under the sun to provide heat to their hair.

After the hair dryer was invented, setting lotions were then used to replace the "mud treatment" that the Egyptian women introduced. However, these setting lotions did not provide continuing results to women who desired to replace their straight hair with curls.

Permanent waves then became available in the market in 1920. This type of perm medicine used electrical devices (instead of the sun) to generate heat into the hair.

But since most heating devices do not have thermostats back then, the estimate of heat that flows into the hair was not regulated. Thus, these harsh early perm treatments led the hair to dry. The end results were frizzy curls that were unmanageable and difficult to maintain.

The cold wave was then introduced in the 1940s. The cold wave is basically what the modern perm medicine is today. Since the heat used in a cold wave can beyond doubt be regulated, the hair can now be curled closer to the scalp using this treatment.

In a perm treatment, hair is washed and wound to curlers or curling rods to set. The perm lotion is then applied to the hair as it is still set in curlers.

The perm lotion is responsible for breaking the bonds of the hair that keeps it in shape. Since hair and the perm lotion have distinct pH levels, it makes the hair react to the perm lotion once it is applied.

The perm lotion opens up the cuticles of the hair as it enters its cortex. It is in the cortex where the disulphide bonds that are capable for shaping the hair can be found. Once the perm lotion reacts with these bonds, the bonds loosen and take the shape of hair while it is set in curlers.

After applying the perm lotion, the hair is then located under regulated heat to help soften and loosen the bonds that keep it in shape.

After rinsing the perm lotion from the hair, a neutralizing lotion is applied. In this part of the treatment, the neutralizing lotion enables the links that were broken by the perm lotion to reform. The hair then hardens and retains its curly shape.

This stage of the perm medicine any way can cause irritation and damage to the hair shaft if not executed properly. If the neutralizing is not done properly, the bonds of the hair may not harden sufficient for it to stand breakage and damaging. Also, the neutralizing lotion can irritate the scalp if not rinsed thoroughly.

After the perm treatment, it is advisable for the client to not shampoo his or her hair for a few days. The shampoo may interrupt the "curing" process of the treatment. The curls may not appear as imaginable if the client eagerly shampoos his or her hair after the treatment.

On the other hand, it is advisable to often condition newly permed hair to preclude it from being damaged.

A perm medicine is a good way to give volume and body to a person's hair. However, one must take into notice that distinct citizen have distinct hair types. Thus, a perm treatment, or any hair medicine for that matter, can yield distinct results for distinct people.

If one is curious in getting any medicine for their hair, they should take in mind to find a hairstylist that they trust. They must also fully understand the type of medicine and what it does to their hair.

Besides, anyone would not want to do anyone damaging to their hair. As the saying goes, "The hair is your crowning glory".

Do You Want Curls With That?: The History of Hair Perm rehabilitation and How It Works

Monday, April 9, 2012

President Obama On the Passage of Health Reform

President Obama On the Passage of Health Reform Tube. Duration : 8.27 Mins.

President Obama speaks moments after the historic passage by the House of Representatives of the Senate's health reform legislation.

Keywords: White House, Obama, healthcare, health care, health reform, HR 3590, Biden, Congress, medicare, Democrats, Republicans

Sunday, April 8, 2012


美国人谈医保改革 Tube. Duration : 7.33 Mins.


Keywords: 美国人谈医保改革Americans, comment, on, the, constitutionality, of, health, care, reforms

Saturday, April 7, 2012

Recurring Seromas

Recurring health concerns can be one of the most frustrating and defeating parts of a person's life. This is especially true if the harmful symptom is the supervene of another healing procedure. This is legitimately the case with patients who suffer from recurring seromas after a hernia fix surgery. Seromas are more likely to construct in a outpatient after an abdominal surgery, like a hernia repair.

A seroma is the accumulation of fluid in an area surrounding a surgical site. Serous fluid, which consists of blood plasma, builds up in this pocket as it is released by weakened blood vessels in the area. The localized inflammation that indicates this health can be painful and is likely to reoccur even after it is drained. These types of fluid build ups have been connected with the use of tissue matrices in hernia fix surgeries.

Health Care Reforms

Unlike other types of fluid build ups, seromas are not a risk for infection. But these painful developments do often require attentiveness over an extended period of time. Treatment can contain draining the affected area until the blood vessels have been strengthened adequate to contain the blood plasma. The use of dermal tissue matrices can have an adverse supervene on the regrowth and compel of these vessels.

Recurring Seromas

It is foremost to reconsider the potential effects of healing products before they are used in invasive operations like hernia repairs. The effects of these products may legitimately do more harm than good and can supervene in supplementary expenses and healing complications for innocent patients and their families.

If you feel that faulty healing products like tissue matrices have worsened your condition, please visit the website of the AlloDerm failure lawyers at Williams Kherkher.

Recurring Seromas

Thursday, April 5, 2012

In the Green Room: Gov. Gary Herbert on State-led Health Reform

In the Green Room: Gov. Gary Herbert on State-led Health Reform Tube. Duration : 4.33 Mins.

Utah's Governor Herbert discussed with the Foundry the innovative and cost-reducing health care reforms being put into place in his state

Tags: governor herbert, utah health care reform, free market health care, health care, obama health care plan, pelosi health care plan

Wednesday, April 4, 2012


HarkinForum Video Clips. Duration : 1.85 Mins.

Opponents of health-care reforms currently being considered in Congress took out their anger at an event sponsored by Sen. Tom Harkin on Saturday afternoon in Des Moines, which erupted into a shouting match. Produced by Charlotte Eby.

Keywords: harkinforum

Tuesday, April 3, 2012

Religious Leaders Join Health Care Debate

Religious Leaders Join Health Care Debate Video Clips. Duration : 2.57 Mins.

Religious leaders are coming forward to push for health care reforms that will provide coverage for everyone. News 8's Keith Baldi reports.

Tags: Orthodox, church, health, care, reform, Archbishop, Lazar, Puhalo, religious

Sunday, April 1, 2012

Health Care Reforms

Health Care Reforms Tube. Duration : 11.03 Mins.

First attempt at doing something like this.., so be kind ;-) Cast: Cecil Mathew, Lesiley Mathew Leah Mathew, Lisa Mathew Special Thanks to Rammohan Kumar for assisting with the shoot Script, Videography, Editing and Direction: Ramesh Kumar

Tags: malayalee, malayali, skit, comedy, kerala, film funny