Waching daily Oct 1 2018

So many people are reaching out to me and asking how the process of a short

sale works. Well I'm going to tell you all about the process of a short sale on

this week's video and we are starting right now! Hi everyone welcome back to my

channel I'm Cori Dunphy, a local realtor right here in Monmouth County New Jersey

with RE/MAX Central and Monmouth County Dream Homes and today we're going to talk

about the entire process dealing with a short sale

Unfortunately in life sometimes stuff just happens. We can't always plan out

every aspect of our life even though often we try to do our very best. For

example what if you go to refinance your house and you realize you owe more on

your house than the market value is today? This is when we can consider the

process known as a short sale. But don't panic there are things you can do and

there are things I can help you with. If you need to sell your home for example

and the bank is telling you it's worth $535,000

but you owe $575,000 on the

current home that you're living in. If you can come to the closing table and

write a personal check for the difference then you don't have to do a

short sale.

But, if writing a check out to make up the difference is not an option for you

let's talk about how we can navigate our way through the process. The first thing

you really want to do is hire a competent realtor that can help you and

guide you through this process. You don't want to take a chance on someone who has

never done this before. This is much too important, so it really is a good idea to

find somebody who is familiar with the process in and out and has an office

behind them that is also very familiar with the process. Also keep in mind you

really want to choose a realtor that is understanding of your situation and is

truly there to help. Then you'll sign a paper authorizing your agent to talk to

the mortgage company on your behalf. It's called an authorization to release

information. Your agent then will begin the process and the paperwork and will

probably now ask you to fill out the short sale application and you will need

to provide them with some of the following information. Usually you'll

need to provide a mortgage statement, two months of a bank statement , 30 days of

pay stubs and two years of tax returns. Now it's time to get your house on the

market. When you receive an offer from a buyer that's offering you fair market

value, don't let them make a lowball offer because they know you're in a

distressed situation, when you get an offer that you feel is fair market have

them write it up and then at that point you will submit your offer along with

all your documentation to the bank. Keep in mind this is something that your

real estate agent will do for you. Another thing that's really important

please prepare the buyer and sometimes also the seller that this is going to be

a very lengthy process. Short sales do not move quick. So let me ask you a crazy

question, why do you think they call it a short sale if it takes forever to go

through? The mortgage company will then hire an appraiser to come out and be

sure that the offer you received on your home is a fair market value for that

particular property. Once they approve it you will be given something in writing.

Once approved the bank will issue a short

sale approval letter specifying the amount that the house is going to sell

for. It will also say in the letter that you are no longer responsible for the

mortgage and that they are about to forgo the debt. Then once you are under

contract it moves along just like any other typical sale . The buyer will set up

to do inspections and they will also have an appraisal done. Fnally when

you're ready to close, all the proceeds from your sale are then turned over to

the mortgage company. They try to satisfy as much of the loan as possible and then

they write off the rest. Often they can lose as much as twenty thirty forty or

fifty thousand dollars. Again the phone, it never fails. Bet you it's my mom let's

listen, yep, just like I said. Unfortunately as the seller you cannot

profit and you will not make one dime from the sale of this home. Keep in

mind you will not be paying any more money for this home. You don't pay the

real estate agent you don't pay the closing costs you basically are walking

away and taking a loss just like the bank. How long is it now until you can

purchase another home? I understand that at this very moment you may feel like you

never want to buy another home again, but eventually time is gonna pass and you

are gonna want to purchase a home. They say for most people you need three years

from the time your short sale was completed until you're eligible to apply

for a mortgage again. So just relax take it easy for a few years try to save as

much money as you can, pay all your bills on time and hopefully when the time is

right for you to purchase another home you'll be in a much better financial

position and this will never happen again. So there you have it all the

information about the short sale process. If you're in this position , although I

hope you're not, don't worry I'm here to help and we've helped many other people

in the same situation. I'm Cori Dunphy with RE/MAX Central and Monmouth County

Dream homes right here in Monmouth County New Jersey. Thank you so much for

watching and i'll catch you on the next one.

For more infomation >> What is a short sale - Duration: 5:39.

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EXCLUSIVE INTERVIEW | Gary Lineker: Messi is 'not a human being' - Duration: 6:58.

For more infomation >> EXCLUSIVE INTERVIEW | Gary Lineker: Messi is 'not a human being' - Duration: 6:58.

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'Rick Grimes is Here' Season 9 Premiere Sneak Peek | The Walking Dead - Duration: 1:01.

Mel: Rick Grimes is here! [All murmuring]

Potter: That's the man that ended the war.

Is Negan suffering? I hope he damn well is.

Eugene: Hello.

All was well in your absence,

other than a certain cabal of Saviors

slingin' me some serious stink-eye,

but I've compiled a list of items that need

your semi-immediate attention.

-Not now, man. -I checked out the supplies.

It's a pretty good haul. You should let everybody know.

I ain't getting up on a stage

and giving a damn speech like him.

It's bad timing. We just lost someone out there.

[Indistinct conversations]

Daryl.

Does this happen often?

More and more since the crops been dyin'.

For more infomation >> 'Rick Grimes is Here' Season 9 Premiere Sneak Peek | The Walking Dead - Duration: 1:01.

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Honest Review - Is Juggling Mastery Course Worth It? By Felix Sürbe - Duration: 5:44.

Yo guys so Lauri Koskinen has given me full access to jugglingmastery.com

and asked me to do a little review basically the website is full of loads

of awesome tutorials tips and tricks technique ideas and you know stuff for

your training structure I'm gonna be doing a review is gonna be completely

unbiased so you'll get my 100% honest opinion so let's get to it

So when you get to the website this is where looks like you have the home page and you can

scroll down and you can go through various things one nice little thing I

like about is that is reviews already on the home page so you can see exactly

what other people think about it which i think is really nice cuz if you have no

idea what the course is about you can read other people's reviews and you can

get a pretty good idea on what they think and you can see if you like it

I'm currently on the juggling mastery course video page there are over 150 videos in

here so like there are 10 sub sections technique training clubs rings balls

balance pirouettes stretching creating material and miscellaneous if you click

on any one of these you're presented with loads of videos on how to do

specific things so I'm going to go to clubs and let's see what we can find

so I just clicked on clubs as you can see there are loads of different

tutorials on here each with a different technique for example head rolls and

spins and underneath for you have club swinging which is really nice because

like there is not just technical juggling is loads of creative stuff too

which is awesome. So from what Lauri is posted on YouTube on Facebook I think

it's at all was a really really nice I think they're really in-depth and show

you in detail on how to do every single trick he breaks every single trick down

to the most basic steps and that way you can learn it a lot quicker have a quick

browse around the other parts of the website so let's go back to the juggling

mastery course let's this time click on rings now people that know me know I'm

not really a ring juggler so actually I'm gonna try and learn one of the

tricks on here and see how helpful the tutorial actually is. Apologizing this

laptop screen I'm gonna just kind of wipe it and hope for the best

so I've just arrived at the ring section of the website I'm taking interest in

this particular box here body throws with rings so I'm gonna try and learn

how to do body throws of the Rings and I'm going to document some progress and

see how helpful the tutorial actually is. So I've just looked through the body

throws of rings video and one of the tricks he shows is three ring back

crosses I've tried this trick a few times before but he suggests doing it

with a different technique in the past I've done it with my palm facing me so

I've thrown backwards like this but he's suggesting with the palm facing forward

so I'm now I'm throwing like this now obviously that was a bit messy I've got

some work to do but I'm going to try and clean this trick up get a nice

little run film it and show you how I get on. So at this point I'm actually looking for a ring in my room I think I

lost it somewhere but I managed to find it eventually

so I'm now going to try and qualify the trick I'm working on just that one ring

exercise just throwing one ring back and forth it's not the cleanest thing but I

think if I can qualify the trick I can then work on again and clean it from there

so let's see how that goes

so what I've notice is that my first one is generally the really bad one

So I'm gonna concentrate on working on that first one

to make sure it goes quite nice as you can see like even throwing it it's not great

so I'm gonna really concentrate on that first throw of the backcrosses

it seems like once I got it running it's like okay

but like it's just that first throw I cant quite get out

so I just gotta work on transitioning

so Lauri you actually given me motivations to practise rings again

I found that really really fun I spent about a half an hour working on it actually

you propably sew only a few bits of the practise

but actually looking and finding out where the issues in my technique where

and actually finding a new way and a new technique to throw ring backcross was actually really helpful like

now I'm not throwing like this anymore you propably cant see it but I'm not turning it like that

now I'm actually throwing like you said and it's actually making my back crosses feel a lot nicer and a lot cleaner

at the same time so this tutorial was very helpful thanks Lauri

so overall the website is really well structured

you can find things really really easily

a few things I would say is that the homepage is

little bit long like I have to crown the scroll through and then I realized

actually the first time I went on it I didn't know what the login section for

members was so I had to kind of I scroll down to the bottom click access now and

then I could see it in this in the top of the page I think maybe change the

color of the login section so I could see where it was it might just be me I

don't know but overall was a really good website you know it's really really well

spaced out you can see exactly where everything is you can learn loads of

cool stuff from it and overall it's going to make your really well-rounded

rounded juggler um it doesn't really teach you to speak properly that's

a problem anyway Lauri you've done a fantastic job of the website man

like seriously I think this is gonna go really well for you so if you haven't

yet bought your subscription for jugglingmastery.com do it now support Lauri

because it's awesome

For more infomation >> Honest Review - Is Juggling Mastery Course Worth It? By Felix Sürbe - Duration: 5:44.

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US is in the middle of a cultural civil war: Newt Gingrich - Duration: 8:27.

For more infomation >> US is in the middle of a cultural civil war: Newt Gingrich - Duration: 8:27.

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A Key Figure in the Kavanaugh Allegations: Who Is Mark Judge? | NYT News - Duration: 2:36.

"Would you like Mark Judge to be interviewed?"

"That would be my preference.

I'm not sure it's really up to me, but ..."

Mark Judge.

It's a name that keeps coming up in the Kavanaugh hearings.

"Man, the old gym."

So just who is Judge?

"And here's something very interesting.

This is the JUG room, Justice Under God detention,

spent a lot of time in there.

It's locked right now but ..."

In this self-shot video posted online,

he's walking around the campus of Georgetown Prep,

the school he attended years earlier

with Supreme Court nominee Brett Kavanaugh.

"And I know they've asked me not to film here.

They've told me not to film here.

They've explained the legal ramifications

of filming here.

But, this is part of my past and these videos

are part of my history,

so — bring on the lawyers."

Christine Blasey Ford says Judge

was in the room when, she alleges,

Kavanaugh sexually assaulted her in the early 1980s.

"She says that you tried to take off her clothes

and she believes that you would have raped her

if Mark Judge hadn't climbed on top

and everyone tumbled to the floor.

And then she had an opportunity to get away."

Judge and Kavanaugh were close friends in high school

and both have denied the episode occurred.

Additional women have since come forward with accusations.

"We're starting to learn more about Mark Judge."

Judge is now a key figure in the Kavanaugh hearings.

In other self-shot videos,

Judge discusses things like spirituality and pop culture.

"It's about mysticism."

He also produced numerous short films.

Many reviewed by The Times seemed like mood pieces.

They don't have dialogue, and almost all feature

young-looking women,

some almost naked, posing or staring at the camera.

"I've been a journalist for — since college, and ..."

Judge is a freelance writer, author and filmmaker.

He has contributed to conservative news sites

like The Daily Caller and The Weekly Standard,

but also publications

like The Washington Post and The New York Times.

"I mean, I'm no Andrew Breitbart,

but he is an inspiration."

He has written about topics ranging

from culture and conservatism

to masturbation and male sexuality.

He has also written a number of books, including

"Wasted: Tales of a Gen-X Drunk,"

where he recounts drinking in high school

and includes a character named Bart O'Kavanaugh,

a suspected reference to Brett Kavanaugh.

After the accusations surfaced,

Mark Judge's social media accounts

appeared to be taken offline,

and he has remained out of the public eye.

For more infomation >> A Key Figure in the Kavanaugh Allegations: Who Is Mark Judge? | NYT News - Duration: 2:36.

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How Intel® is Helping to Push Drones Mainstream | IDZ Weekly | Intel Software - Duration: 2:12.

Drones are becoming more advanced.

They can fly higher, go further, and now, Intel

is working with the Federal Aviation Administration

to shape how drones are utilized.

I'm Stephanie Essin.

Find out how we're breaking new air in this IDC Weekly.

Intel is joining the and other industry participants

to foster innovation and to shape the global standards

and practices for unmanned aircraft systems, like drones.

Intel's assistance builds on last year's foundational work

with the unmanned aircraft system traffic management

trials conducted by NASA and the FAA

to develop and test drone guidelines

for collaborative communications and navigation.

Now, the FAA has initiated a program designed

to explore ways to safely expand cutting-edge drone

operations into the national airspace

by pairing state, local, and tribal governments

with unmanned aircraft operators.

This project is called the Unmanned Aircraft System

Integration Pilot Program.

Recently, in Oklahoma, the Choctaw Nation

hosted a media event to show progress

and to share results of some of the first missions

under this program.

Intel flew night missions using a thermal sensor on the Intel

Falcon 8 Plus drone.

This application could be used to look for lost cattle,

as well to learn more about the habits and tendencies

of local wildlife.

Also, Intel performed the first public demonstration

of Open Drone ID.

This is an open standard that offers a solution for remotely

identifying and tracking unmanned aerial systems.

Future missions with the Choctaw Nation may include drones

for agricultural applications and public safety

and infrastructure inspections, with planned

beyond-visual-line-of-sight operations over people.

The plans are to invest in mobile ground-based

detect-and-avoid radars and advanced weather

infrastructure.

Want to learn more about this collaboration and new ways

drones are taking flight?

Check out the story in the links,

and I'll see you next Monday.

For more infomation >> How Intel® is Helping to Push Drones Mainstream | IDZ Weekly | Intel Software - Duration: 2:12.

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Meteor shower 2018: When is next meteor shower - When are Orionids? - Blog news - Duration: 3:25.

STARGAZERS around the world have a celestial treat in store when the annual Orionid meteor shower arrives to light up our skies – but when is the meteor shower?

The Orionid light show should be at its best in the predawn hours of October 21 and the following few mornings

Eagle-eyed sky-watchers could see many as 20 shooting stars an hour during the peak

Meteors often arrive in the night skies in brilliant spurts followed by lulls.Particles shed by the comet slam into our upper atmosphere, where they burn up at some 60 miles above the Earth's surface

The Orionids owe their name because they appear to radiate from their namesake constellation, Orion the hunter, which rises in the northeast around midnight at this time of the year

Orion is one of the easiest star patterns to recognise due to the distinctive three bright stars that line up along its middle, marking the mythical figure's belt

This year's show will compete with the glare of the brilliant waxing gibbous moon for much of the night

Some experts are expecting a possible upswing in Orionid activity in 2018.No special equipment is required to enjoy the spectacle – all that's needed is an open sky away from artificial lights

Halley's Comet last visited Earth in 1986 and will return next in 2061.Give yourself at least 20 minutes for your eyes to adapt to the darkness, and give yourself at least an hour of viewing time

The American Meteor Society (AMS) describes the October to December shower period as "a nearly continuous period of heavy meteor activity

".Robert Lunsford of the AMS said: " The Orionids are the big story of the month reaching maximum activity on the 22nd

"This display can be seen equally well from both hemispheres which definitely helps out observers located in the sporadic-poor southern hemisphere this time of year

"Sporadic activity is still good as seen from the northern hemisphere. In the southern hemisphere though, the sporadic activity is near its annual nadir

".Many of the showers are well known, as they "occur annually or at regular intervals as the Earth passes through the trail of dusty debris left by a comet," according to NASA's Planetary Science Division

For more infomation >> Meteor shower 2018: When is next meteor shower - When are Orionids? - Blog news - Duration: 3:25.

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Season 6 | Fortnite is SHIT | Fortnite Battle Royale - Duration: 4:07.

no God please no no noooo Season 6 is there and I would say we win this GAME.

Ohhh, guys Fortnite is SHit. That's not funny. I think we must change the Skin

Here we gooo

Yehhh, nice now I has this stupid skid. No more bother

For more infomation >> Season 6 | Fortnite is SHIT | Fortnite Battle Royale - Duration: 4:07.

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A child with disabilities is receiving a bike made by her peers - Duration: 0:53.

For more infomation >> A child with disabilities is receiving a bike made by her peers - Duration: 0:53.

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QUICK PLANE OFFLOADS (Where Is Your Baggage?) - Duration: 10:19.

For more infomation >> QUICK PLANE OFFLOADS (Where Is Your Baggage?) - Duration: 10:19.

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#Motorolaonepower #roast #smartphone Why everything is wrong Motorola??roast🔥🔥📱📱🙄 - Duration: 7:34.

Why everything is wrong Motorola???📱📱🔥🔥🙄🙄

For more infomation >> #Motorolaonepower #roast #smartphone Why everything is wrong Motorola??roast🔥🔥📱📱🙄 - Duration: 7:34.

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Broadway in Tucson is looking for "Lulu" - Duration: 2:08.

For more infomation >> Broadway in Tucson is looking for "Lulu" - Duration: 2:08.

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The roof is on fire! - Duration: 8:18.

Hey there it's Amanda with the pretty house team and with Palm Harbor coastal

living and I am coming to you today to talk about the roof the roof the roof the

roof. I have gotten so many questions about roofs this week and I thought, you

know what let's just talk about roofs and I thought the Drifters would be a

nice way to introduce us. It gets away from the hustlin crowd up on the roof.

That seems a little dangerous now that I'm listening to the lyrics.

Ya know okay I'm gonna stop that. The Drifters is not the way to go. I do not

recommend climbing up on your roof, that's a terrible idea.

Although I think my mom did it when she was in high school to sneak

cigarettes so my grandma wouldn't beat her. Anyway that's not what I'm coming to

you live for today. So I had three or four different people send me questions

about their roofs and when to replace the roof, they're thinking about selling

their house, the roofs kind of old, what to do. So I wanted to talk to you about

your roof and when you should replace it if you're thinking of coming to market,

when you shouldn't replace it if you're thinking to come to market, and just a

whole bunch about roofs. Okay so roofs don't last as long as they should in

Florida. I think we all know that. We all see how quickly roofs turn and I mean

basically it's because it's hot here and the sun beats down on the roofs harder

than say in the Northeast. So the average 30-year shingle, probably not going to

last you 30 years. So when you go to list your house, if your roof is older, you

should probably have a conversation with your Realtor before you put it on the

market. So there's a couple of things to consider. One how old is the roof. So if

the roof is 25 years old or even like 20 years old or older you may have a bigger

issue, even if it's not leaking, you may have a big issue on getting it insured.

So what does that mean? Let me get comfortable.

So when buyers come to buy your house most of them will be financed. Yes

there's cash buyers in the world but the market over

the $400,000 price point is typically a financed buyer. So when a buyer comes to

purchase your home if they're getting a mortgage they will have to be able to

get homeowners insurance on that. If the roof is not insurable then they can't

get insurance. If they can't get insurance then they can't get a mortgage.

Now how do you figure out if an non leaking roof that's older is going to be

insurable? So there is a report that will be done when the house goes under

contract. It's like a weird shadow, it's called a four point and a wind

mitigation report. The buyer will pay for that to be done however if you're really

concerned about the age of your roof you can do one on your own. I mean you can

pay a couple hundred bucks, have an inspector come out and might as well

have him do a four point and a wind mit and he will show you all the systems in

your house that might have insurability issues and he'll also look at the roof.

An insurance company most are going to want the report to say that there's five

years of life left. So you'll need five years of life left in order to get

insurance on the on the roof. If you can't find somebody, if the report

doesn't say that, some insurance companies will allow three but anything

less than that the house isn't going to be insurable. So that's something to

consider when you're thinking about okay we want to sell the house, the roofs

really really old. It might not matter if it's not leaking. If it's too old and you

can't get insurance then you're gonna have an issue. If you do go ahead and get

the four point and the wind mit, hold on to it give it to your Realtor so she can

make a copy so that she can then provide that to buyers that are interested in

the home. Does that make sense? Okay good. So the next thing you're gonna think

about. Let's say that it's not in the like 18 to 25 year old. Let's say it's

only like 13 years old. But that's still kind of older. If your roof is over like

13 years old, is it leaking? If it's not leaking I often fall into the mindset of

it's not broke don't fix it right? Because that's expensive and there's

gonna be other expenses you're going to incur along the process of selling the

house. So if you just have an older roof and it's still insurable but it's not

actively leaking I would probably fall into the don't burn that money

because if you burned that money you'll be upset when the buyers want to negotiate

on other things and you're like but I put a new roof on and they're like I

don't care my brother Jimmy owns a roofing company and I can get a roofer

cheap. So you see how that slippery slope. I mean they've got an Uncle Jimmy. Okay

so we talked about how old it is and the insurability issues. We talked about if

it's leaking. Has it already been repaired? So that's something to think

about. So if you have a roof that's older but you've never had a leak you might be

fine. But if you had like eight or nine patch jobs or if like 70% of the roof

was replaced and the other part is now leaking I mean use common sense on that

but if most of the roof has been replaced and the part that hasn't been

replaced is currently leaking you're probably going to have an issue with a

buyer. And listen if you already know something is leaking in the attic there

could be mold and mildew just just use common sense okay. If you decide I don't care

it's an old roof I don't care and I don't and I'm not gonna fix it it's old

it's leaking I'm not gonna fix it then you need to be prepared for a couple of

things. What are you going to do when a buyer puts an offer on the house, gets it

under contract, goes to the inspections and then it gets flagged because it's

not insurable? Are you then gonna fix it? Because if not you can have a very upset

buyer and you're probably gonna be pretty upset because at that point

you're gonna be vested in the course that you've traveled down to sell the

house. You're probably gonna find your new place and you're gonna be upset with

yourself. But now you're in this pickle. Also if you decide at the beginning that

you're not going to replace your roof and so you price the house kind of

aggressively and then four weeks later when you're under contract all of a

sudden you've priced the house aggressively and now you have to put on

a new roof that is also gonna be disappointing and it might be a

deal-breaker for you. It might be a deal-breaker for you and the buyer. The

fourth thing to consider when you have an older roof and you decide that you're

not gonna replace it and you're not gonna let it be a negotiating point is

do you have the money to replace the roof when it starts to fail? Because if

you don't, if you're like I'll just stay. If you don't and that roof starts

leaking a lot, you're going to have issues and you're going to have to

replace it. So if you don't have that money then you need to sort of have the

foresight to decide how you want to handle that situation now. I feel like

I'm about to sneeze mmm sorry guys. Allergies and a cold like it's a perfect

storm. So that's my little chitchat about roofs. If you have an old roof and you're

not going to fix it be prepared to have it be a negotiating point if it's

insurable when you get an offer on the property. Because that is always

something that a buyer's agents gonna hammer you on is you've got an old roof.

But if you replace it also know that they're still gonna try to negotiate

with you because that is a buyer's agent, a buyer's agent job is to negotiate. So

make sure that you have a listing agent representing you and your best interest

and negotiating hard for you on that end. Okay so if you have any more questions

about the roof I always provide my notes if you have questions. If you want a

phone number or two of a couple of inspectors that I recommend for four

point and wind mitigation reports they'll come out tell you if the roofs

insurable so you can kind of make an educated decision on how to move forward

based on the roof age. Happy to provide you with that as well. I hope this makes

sense because this week with the roofs, all the roofing questions that I'm

getting in emails and private messages in Facebook and it seems like roofs are

becoming like a big issue right now and I think it's because we've had

torrential amounts of rain and now all of a sudden people are starting to see

the spotting on the drywall and they're finding the leaks and so it can

be a big decision maker for you. So those are my points on roofs. I hope

you guys have a great day. I am Amanda with the pretty house team and obviously

with Palm Harbor coastal living. Bye guys.