#Best Realtor in Guam

[islepropertiesguam]

Looking for the best realtor in Guam to guide you through the process of buying or selling property? Look no further than Guam Real Estate Properties. Our team of experienced and knowledgeable real estate agents is dedicated to providing top-notch service and expertise to help you achieve your real estate goals. Whether you're a first-time buyer or a seasoned investor, our realtors are here to assist you every step of the way. Visit our website today to learn more about our services and start working with the best realtor in Guam!

[guam-realtor]

Unlocking the Secrets of the Guam Real Estate Market: Finding Your Perfect Home with a Trusted Guam Realtor

Are you ready to embark on an exciting journey to find your dream home in Guam? With its stunning landscapes, vibrant culture, and warm community, Guam offers an exceptional living experience. In this blog, we will dive deep into the Guam real estate market and uncover the secrets to finding your perfect home with the assistance of a trusted Guam realtor. Join us as we explore the role of a Guam real estate agent, understand the benefits they bring to your home search, and discover the abundance of Guam homes for sale. Get ready to unlock the doors to your dream home in paradise!

The Guam Real Estate Market: An Overview:

Gain valuable insights into the Guam real estate market. Explore the current trends, property values, and market conditions that shape the housing landscape in Guam. Understand the unique factors that influence the market and learn how a knowledgeable Guam real estate agent can help you navigate these dynamics.

2. The Role of a Guam Realtor:

Discover the essential role played by a trusted Guam realtor in your homebuying journey. Learn how they act as your guide, advocate, and resource throughout the entire process. From understanding your needs and preferences to conducting market research, negotiating offers, and handling paperwork, a Guam realtor is your partner in finding your perfect home.

3. Benefits of Working with a Guam Real Estate Agent:

Explore the numerous benefits of working with a Guam real estate agent. From their in-depth knowledge of the local market and access to exclusive listings to their expertise in negotiations and contract management, a Guam realtor brings invaluable advantages to your home search. Discover how they can save you time, effort, and potential pitfalls while helping you find the best deal.

4. Exploring Guam Homes for Sale:

Take a virtual tour of the wide variety of Guam homes for sale. From cozy apartments and family-friendly houses to luxurious waterfront estates, Guam offers a diverse range of properties to suit every lifestyle and budget. Learn how a skilled Guam realtor can match your preferences with available listings, ensuring you find the home that truly captures your vision of paradise.

5. Navigating the Homebuying Process in Guam:

Navigate the homebuying process in Guam with confidence. Understand the steps involved, from pre-approval to closing, and learn how a Guam realtor can streamline the process. Gain insights into financing options, legal considerations, and potential incentives available for homebuyers in Guam.

Conclusion:

Unlocking the secrets of the Guam real estate market is made easier with the expertise and guidance of a trusted Guam realtor. They possess the local knowledge, industry insights, and negotiation skills necessary to find your perfect home in paradise. Start your journey today by connecting with a Guam real estate agent who will be your advocate throughout the entire process. With their assistance, you'll uncover the hidden treasures of the Guam real estate market and find the home that fulfills your dreams in this tropical paradise.

[guamhomeslizduenas]

Hire the best Guam Realtor – Real Estate Agent. Liz Duenas is a popular name in Guam Real Estate, visit our site for Guam Homes for Sale, Rent, etc.

[guamplaza]

Unveiling Paradise: A Guide to Guam Hotels at GuamPlaza.com"

Welcome to the tropical haven of Guam, where the allure of the Pacific meets unparalleled hospitality. In this comprehensive guide, we delve into the world of Guam hotels, focusing on the exquisite offerings of Guam Plaza Resort & Spa. As we embark on this journey, we'll also touch upon other facets of Guam's real estate scene, including Guam rentals, homes for sale, military accommodations, and the role of the best realtor in Guam.

Guam Plaza Resort & Spa: Where Luxury Meets Paradise

Nestled on the stunning island of Guam, Guam Plaza Resort & Spa stands as a beacon of luxury and comfort. From the moment you step into our meticulously designed lobby, you'll be captivated by the warmth and elegance that define our hotel. Each room and suite at Guam Plaza is a sanctuary of tranquility, offering breathtaking views of the Pacific Ocean or the vibrant cityscape.

Exceptional Amenities: Elevating Your Stay

Guam Plaza's commitment to guest satisfaction goes beyond aesthetics. Our hotel boasts exceptional amenities, including world-class dining options, rejuvenating spa experiences, and a rooftop pool that provides a perfect vantage point to soak in the beauty of Guam. Whether you're here for business or leisure, Guam Plaza ensures an unforgettable stay.

Exploring Beyond: Guam Rentals and Homes for Sale

While Guam Plaza excels in providing temporary retreats, we understand that some visitors fall in love with the island and wish to make it their home. Explore Guam rentals and homes for sale to find your perfect abode. From beachfront villas to cozy apartments, Guam's real estate market is as diverse as its landscapes.

Military-Friendly Accommodations: A Salute to Service

For our military community, Guam Plaza offers military-friendly accommodations, recognizing the unique needs of those in service. Seamless transitions are ensured, allowing our heroes to feel at home while stationed on this Pacific gem.

The Best Realtor in Guam: Your Trusted Guide

Navigating Guam's real estate market requires a seasoned guide. Discover the role of the best realtor in Guam, ensuring that your property transactions, whether it be finding Guam rentals or purchasing a dream home, are smooth, informed, and tailored to your needs.

Conclusion: Your Gateway to Pacific Paradise

Guam Plaza Resort & Spa is more than a hotel; it's a key to unlocking the beauty of Guam. Whether you're here for a short stay, considering a permanent move, or serving in the military, Guam Plaza and the best realtor in Guam are here to cater to your every need. Explore GuamPlaza.com and unveil the paradise that awaits you on this enchanting island in the Pacific.

[littlelennonfin-blog]

BYTTWD // Bring your toddler to work day. My pal sat and played in his chair while I took real estate photos for a new listing For a realtor on island. He’s the best sidekick I’ve ever had! (at Guam) https://www.instagram.com/p/BtN8N84FkbDKB1GcJnUJtFTR-B86itALXKsRGM0/?utm_source=ig_tumblr_share&igshid=zke70ns6azbk

[fthbarlingtontx]

Navy Federal Lending Criteria For Approval

Contents

Began recruiting veterans

Supplement tuition assistance

2019va loan interest rates usaa

Armed forces covenant

Direct deposit. send funds

The Scottsdale Research Institute in Phoenix, which is performing the study, achieved its total enrollment nearly two years after they first began recruiting veterans into the study – and eight years.

However criteria. loans must be in good standing, i.e. not in default. An additional benefit intended to supplement tuition assistance from the military with GI Bill benefits. To be eligible for.

Navy Federal Credit Union offers a broad menu of mortgages, including no-down-payment home loans tailored to its members. Founded in 1933, the credit union’s mission is to serve the military.

Pre Qualify Va Home Loan Can You Have 2 Va Loans At Once Va Loan Limits California 2015 The high-cost area limits published in Lender Letter-2018-05 are the statutory limits provided by FHFA, but should not be used to determine the loan amount. Lenders must find the applicable loan limit for counties/MSAs in the Loan Limit Look-up Table or on FHFA’s web page. details for Alaska, Hawaii, Guam, and the U.S. Virgin IslandsHome Loans; View Mortgage Options (Menu, 3. in the program and be represented at closing by an approved agent with a participating real estate firm in order to qualify for the reward.. It’s a fee paid to the Department of Veterans Affairs – usually 1.25% to 3.3% of the loan amount – to.

So my dad is in the NAVY and has an account at NAVY FEDERAL. I want to get pre-approved for an auto loan so I can buy a used car. I’m 18, a student, and am slowly but surely establishing credit. How difficult is it going to be to get the loan? Any tips? Thanks.

Max Va Loan San Diego Disabled Veteran Home Improvement Grants Max Va Home Loan Amount General Loan Limits for 2019 The general loan limits for 2019 has increased and apply to loans delivered to Fannie Mae in 2019 (even if originated prior to 1/1/2019). Refer to Lender Letter LL-2018-05 for specific requirements. maximum loan amount for 2019va loan interest rates usaa Quicken Loans is a VA-approved Lender; not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. Adjustable-Rate Mortgage: The initial payment on a 30-year $210,366 5-year Adjustable-Rate Loan at 3.75% and 78.79% loan-to-value (LTV) is $974.24 with 2.25 points due at closing. The Annual Percentage Rate (APR) is 4.462%.Home > Grants for Disabled Adults > Grants For Veterans Grants for disabled veterans. follow @disgrants. national Charities. By Condition. By Service/Regiment. Other Military Charities. National Charities. The armed forces covenant Fund Trust.Here are some of the best credit unions for VA loans. purchase and refinance loans, including FHA. Offers jumbo loans up to $2 million. Preferred Realtor program saves on commissions. Considers.

Who wouldn’t love free money toward their student loans? These student loan forgiveness programs could help you say goodbye to your student debt forever.

An effective way to finance a home renovation project is to apply for a home equity loan or HELOC. To qualify, you will need at least a credit.

Home Buyers Choice 100% Financing Program From Navy Federal Credit Union.. "Despite the scrutiny received by no-money-down mortgages, Navy Federal asserts its program to be both attractive in its security of fixed rates and solid in its performance.". Consumers who do not have the.

Navy Federal Financial Group Investments; direct deposit. send funds directly to your account to ensure seamless deposits while you’re deployed or traveling. The Ultimate Certificate Strategy. Laddering your certificates is an excellent way to ensure you earn the best rates possible.

Pre Approval For Va Home Loan  · One of the very first steps in the VA home loan process is to get your pre-approval from a VA approved lender. In order to get pre-approved, all you have to do is fill out the online VA loan application with your VA approved lender and provide your VA-approved lender with your COE.

Articles Personal Finance Underwriting: How Lenders Choose Borrowers.. How Lenders Choose Borrowers. Completing an application is just the first step in getting approved for a loan. by Navy Federal on February 26. learn about underwriting and why it matters to you from Navy.

See the 2019’s "13 Best Cards for Fair Credit" – Get 0% APR’s, cash back, and fast approval with fair or below average credit. Compare and apply online!

https://ift.tt/30NBzdn

[charlesccastill]

Payless Files for Voluntary Chapter 11 Protection in the U.S.

TOPEKA, Kan.–Payless ShoeSource announced that the Company and its North American subsidiaries have voluntarily filed for relief under Chapter 11 of the Bankruptcy Code (“Chapter 11”) in the U.S. Bankruptcy Court for the Eastern District of Missouri. Certain Payless Canadian subsidiaries (“Payless Canada”) will also be seeking protection pursuant to the Companies’ Creditors Arrangement Act (the “CCAA”) in the Ontario Superior Court of Justice.

Payless intends to use these proceedings to facilitate a wind-down of its approximately 2,500 store locations in North America and its e-commerce operations. The Company expects that Payless store closings will begin at the end of March and many stores will remain open through the end of May, as it conducts liquidation sales in the U.S. and Canada. Payless has also wound down its e-commerce operations.

Payless’ retail operations outside of North America, including its company-owned stores in Latin America, are separate legal entities and are not included in the Chapter 11 or CCAA filings. Payless’ 420 stores across 20 countries in Latin America, its stores in the U.S. Virgin Islands, Guam and Saipan, and its 370 international franchisee stores in 16 countries across the Middle East, India, Indonesia, Indochina, Philippines and Africa, will continue operating business as usual in every respect.

Stephen Marotta, appointed in January 2019 to serve as Chief Restructuring Officer of Payless, said, “We have worked diligently with our suppliers and other partners to best position Payless for the future amidst significant structural, operational, and market challenges. Despite these efforts, we now must wind down our North American retail operations under Chapter 11 and the CCAA. However, Payless’ profitable stores throughout Latin America, which are not part of today’s filing, and our international franchisees’ stores will continue to operate business as usual in every respect. As we move through the process, we will work to minimize the impact on our employees, customers, vendors and other stakeholders.

“The challenges facing retailers today are well documented, and unfortunately Payless emerged from its prior reorganization ill-equipped to survive in today’s retail environment. The prior proceedings left the Company with too much remaining debt, too large a store footprint and a yet-to-be realized systems and corporate overhead structure consolidation. As a consequence, despite our substantial efforts, we were ultimately unable to operate the North American retail and e-commerce operations on a sustainable basis.”

Mr. Marotta continued, “On behalf of the entire company, I’d like to express our deep appreciation for the hard work of our dedicated employees and their commitment to Payless customers, who have shown us tremendous loyalty for more than 60 years. We are also grateful for the many years of support by our suppliers and vendors, and we look forward to continuing to work with them to support our remaining operations.”

The Company will provide a more detailed update on plans for the orderly wind-down of its North American retail operations, including store closing sales, as the Court-supervised process progresses.

Payless is seeking customary initial relief from the U.S. Bankruptcy Court and Canadian Court, including authorization to support its operations during the process, authorization to continue payment of employee wages and maintain healthcare benefits and certain other relief customary in these circumstances. The Company is seeking authorization from the U.S. Bankruptcy Court to continue to honor customer gift cards and store credit until March 11, 2019, and to continue to allow returns and exchanges of applicable non-final sale purchases made prior to February 17, 2019, until March 1, 2019. A similar request will be made in the Canadian Court. Payless has discontinued its Rewards programs and any outstanding merchandise coupons in North America, effective immediately.

Akin Gump Strauss Hauer & Feld LLP and Armstrong Teasdale LLP are serving as the Company’s legal counsel and Cassels Brock & Blackwell LLP is serving as Payless Canada’s counsel. Ankura Consulting Group is serving as the Company’s restructuring advisor. PJ SOLOMON is serving as financial advisor to the Company. A&G Realty Partners is serving as real estate consultant to the Company.

Founded in 1956, today Payless serves millions of customers through its extensive global network spanning 36 countries worldwide. Payless has 420 stores in Latin America, the U.S. Virgin Islands, Guam and Saipan, and 370 international franchisee stores across the Middle East, India, Indonesia, Indochina, Philippines and Africa.

from boston condos ford realtor https://bostonrealestatetimes.com/payless-files-for-voluntary-chapter-11-protection-in-the-u-s/

[adambstingus]

Pot Industry Deals With Ultimate Buzzkill: Self Regulation

The rules have to come from somewhere. For some cannabis industry leaders, they’d rather be the ones to set the rules and regulations for their businesses.  

It’s a double-edged sword when they say they just want to be treated like any other legitimate industry.

Equal treatment could of course be good for legal weed, especially if businesses were taxed at typical rates instead of double or even triple those rates, as mandated by IRS tax section 280E. But if federal regulators were to reschedule marijuana and treat medical cannabis products similar to pharmaceutical or agricultural products it would, as I wrote last year, add “costly and timely steps to the pot-selling process that some say could bankrupt most of these businesses.”

As Rolling Stone explained further: “If the federal government determines that medical marijuana must be subjected to FDA approval, companies would have to enter a process that can take years to complete and cost more than $1 billion per product. Few, if any, cannabis companies in the U.S. have the resources for that, which might open the door for Big Pharma to muscle in and take over the business.”

The current rules for any modern cannabis business can be found in the all-important regulations, from the federal government’s IRS Tax Code and Controlled Substances Act to the many state and territory regulations that direct more than 30 U.S. markets, from Hawaii to Guam.

Not all industries are subject to federal regulators. Films, for example, are mostly self-regulated by the Motion Picture Association of America, which rates films based on their content (G, PG, PG-13, R, NC-17) to help consumers make educated decisions. The organization was created in the 1920s “to resist mounting calls for government censorship of American films,” and the MPAA’s well-known voluntary movie-rating system shields the filmmaking industry from what they see as unnecessary government interference.

The pot industry is also starting to see a number of independent agencies putting forth their own suggested standards and regulations, including the 119-year-old standards organization ASTM International, the 121-year-old National Fire Protection Association, and the brand new Cannabis Certification Council, announced earlier this month as a merger between the Organic Cannabis Association and the Ethical Cannabis Alliance.

Of course the industry itself has plenty of ideas on best practices and regulations, and that’s where the just-announced National Association of Cannabis Businesses enters the conversation. Calling itself the legal marijuana industry’s first self-regulated organization (SRO), the NACB has assembled an impressive team to create uniform national standards that its founding members—including marijuana brands Buds & Roses, Cresco Labs, Etain, Green Dot Labs, Local Product of Colorado, Matrix NV, Mesa Organics and others—and future paid members will eventually abide by.

“It’s an entirely new industry—an entirely new legal industry, rather—and it’s so rare that that happens,” said Doug Fischer, the NACB’s D.C.-based chief legal officer and a former associate at Wall Street law firm Cadwalader Wickersham and Taft. “There are all these historical precedents of industries that have done a good or bad job or regulating themselves. But given the uncertain state of play at the federal level and the fragmented situation at the state level, the time is now for an organization like this in the legal cannabis industry.”

Heading up the NACB is president Andrew Kline, a former Assistant U.S. Attorney and senior advisor to then-Senator Joseph Biden, and CEO Joshua Laterman, who served as the longtime U.S. general counsel of global investment bank Natixis. NACB advisors are industry heavyweights with deep experience in regulated markets including Colorado, California and D.C.

Writing comprehensive regulations for a still-new industry is a daunting task, but the NACB has “identified five or six areas as primary ones we’d like to focus on now,” said Fischer, “and some are addressed by state law to varying degrees of effectiveness and some are not.”

The organization will soon begin conversations with members on setting regulations for advertising cannabis products, where they will borrow from tobacco and alcohol in deciding how, where and to whom marijuana can be marketed.

NACB will also look at regulations for packaging and labeling restrictions, which will inevitably address child-proof containers, edible weed’s single serving size, and comprehensive on-package language containing all pertinent information and warnings. The organization will also address reputable financial integrity and accounting practices, a.k.a. audited and verified financial statements that fairly reflect the state of a cannabis business’ finances, including cost of goods sold, revenues, tax liabilities and assets including inventory.

“The industry needs to demonstrate that it takes these things seriously,” said Fischer.

Self-regulated organizations traditionally develop and enforce regulations for a specific industry, and some of the better-known SROs include the Financial Industry Regulatory Authority (FINRA), the National Association of Realtors and the American Medical Association.

“People wouldn’t want to do business with a broker who is not in good standing with FINRA,” said Fischer, “and we hope that will also be the case with the NACB.”

Of course the SRO concept has its detractors, especially given some of their cozy relationships with the industries they’re regulating. But in actuality “many self-regulatory schemes have been effective precisely because the self-regulated have recognized that complying has been in their interest,” former Federal Trade Commission chairman Deborah Platt Majoras told a gathering of the Council of Better Business Bureaus in 2005.

Platt Majoras continued in her speech: “In response to public concerns about the violent content of their products and its suitability for children, the motion picture (MPAA), music recording (RIAA), and electronic game (ESA) industries each have in place a self-regulatory system that rates or labels products in an effort to help parents seeking to limit their children’s exposure to violent materials. Their systems govern the placement of advertising for Restricted ®-rated movies, Mature (M)-rated games, and Explicit-Content Labeled recordings in media popular with teens and require the disclosure of rating and labeling information in advertising and on product packaging.”

The NACB’s Fischer understands the differences between his organization and the MPAA: “There’s no federal law on rating movies because the industry took it upon themselves to do that. With something like cannabis, this is a drug that has such obvious public health and safety concerns, and it wouldn’t be realistic that the government would stay out of it as they have with motion picture ratings.”

But another section of Platt Majoras’ 2005 speech to the Better Business Bureaus acknowledges that the NACB’s early focus on universal cannabis advertising regulations is a solid place to start this particular SRO conversation: “The Distilled Spirits Council of the United States (DISCUS), as well as two other alcohol industry trade associations, the Beer Institute and Wine Institute, have adopted voluntary advertising codes governing the placement and content of alcohol advertising. The three codes have provisions designed to ensure that alcohol ads are not targeted to minors under 21, who cannot legally purchase alcohol, as well as to address other advertising and marketing issues.”

The NACB only launched on Thursday, and it has a long way to go before it can hold court with more established SRO counterparts in the alcohol and tobacco industries. But Fischer and his colleagues want consumers and potential members to know that they plan on growing into the kind of organization that can create meaningful, positive change for the cannabis industry and its millions of customers.

“At the outset, we’re a small organization and don’t have dedicated staff to inspect all our members,” said Fischer. “But over time we hope to move toward more robust enforcement mechanism, because to give governments and stakeholders assurances that our members are complying with relevant laws and our national standards, we will need to be able to back it up.”

from All Of Beer http://allofbeer.com/pot-industry-deals-with-ultimate-buzzkill-self-regulation/ from All of Beer https://allofbeercom.tumblr.com/post/179339940257

[allofbeercom]

Pot Industry Deals With Ultimate Buzzkill: Self Regulation

The rules have to come from somewhere. For some cannabis industry leaders, they’d rather be the ones to set the rules and regulations for their businesses.  

It’s a double-edged sword when they say they just want to be treated like any other legitimate industry.

Equal treatment could of course be good for legal weed, especially if businesses were taxed at typical rates instead of double or even triple those rates, as mandated by IRS tax section 280E. But if federal regulators were to reschedule marijuana and treat medical cannabis products similar to pharmaceutical or agricultural products it would, as I wrote last year, add “costly and timely steps to the pot-selling process that some say could bankrupt most of these businesses.”

As Rolling Stone explained further: “If the federal government determines that medical marijuana must be subjected to FDA approval, companies would have to enter a process that can take years to complete and cost more than $1 billion per product. Few, if any, cannabis companies in the U.S. have the resources for that, which might open the door for Big Pharma to muscle in and take over the business.”

The current rules for any modern cannabis business can be found in the all-important regulations, from the federal government’s IRS Tax Code and Controlled Substances Act to the many state and territory regulations that direct more than 30 U.S. markets, from Hawaii to Guam.

Not all industries are subject to federal regulators. Films, for example, are mostly self-regulated by the Motion Picture Association of America, which rates films based on their content (G, PG, PG-13, R, NC-17) to help consumers make educated decisions. The organization was created in the 1920s “to resist mounting calls for government censorship of American films,” and the MPAA’s well-known voluntary movie-rating system shields the filmmaking industry from what they see as unnecessary government interference.

The pot industry is also starting to see a number of independent agencies putting forth their own suggested standards and regulations, including the 119-year-old standards organization ASTM International, the 121-year-old National Fire Protection Association, and the brand new Cannabis Certification Council, announced earlier this month as a merger between the Organic Cannabis Association and the Ethical Cannabis Alliance.

Of course the industry itself has plenty of ideas on best practices and regulations, and that’s where the just-announced National Association of Cannabis Businesses enters the conversation. Calling itself the legal marijuana industry’s first self-regulated organization (SRO), the NACB has assembled an impressive team to create uniform national standards that its founding members—including marijuana brands Buds & Roses, Cresco Labs, Etain, Green Dot Labs, Local Product of Colorado, Matrix NV, Mesa Organics and others—and future paid members will eventually abide by.

“It’s an entirely new industry—an entirely new legal industry, rather—and it’s so rare that that happens,” said Doug Fischer, the NACB’s D.C.-based chief legal officer and a former associate at Wall Street law firm Cadwalader Wickersham and Taft. “There are all these historical precedents of industries that have done a good or bad job or regulating themselves. But given the uncertain state of play at the federal level and the fragmented situation at the state level, the time is now for an organization like this in the legal cannabis industry.”

Heading up the NACB is president Andrew Kline, a former Assistant U.S. Attorney and senior advisor to then-Senator Joseph Biden, and CEO Joshua Laterman, who served as the longtime U.S. general counsel of global investment bank Natixis. NACB advisors are industry heavyweights with deep experience in regulated markets including Colorado, California and D.C.

Writing comprehensive regulations for a still-new industry is a daunting task, but the NACB has “identified five or six areas as primary ones we’d like to focus on now,” said Fischer, “and some are addressed by state law to varying degrees of effectiveness and some are not.”

The organization will soon begin conversations with members on setting regulations for advertising cannabis products, where they will borrow from tobacco and alcohol in deciding how, where and to whom marijuana can be marketed.

NACB will also look at regulations for packaging and labeling restrictions, which will inevitably address child-proof containers, edible weed’s single serving size, and comprehensive on-package language containing all pertinent information and warnings. The organization will also address reputable financial integrity and accounting practices, a.k.a. audited and verified financial statements that fairly reflect the state of a cannabis business’ finances, including cost of goods sold, revenues, tax liabilities and assets including inventory.

“The industry needs to demonstrate that it takes these things seriously,” said Fischer.

Self-regulated organizations traditionally develop and enforce regulations for a specific industry, and some of the better-known SROs include the Financial Industry Regulatory Authority (FINRA), the National Association of Realtors and the American Medical Association.

“People wouldn’t want to do business with a broker who is not in good standing with FINRA,” said Fischer, “and we hope that will also be the case with the NACB.”

Of course the SRO concept has its detractors, especially given some of their cozy relationships with the industries they’re regulating. But in actuality “many self-regulatory schemes have been effective precisely because the self-regulated have recognized that complying has been in their interest,” former Federal Trade Commission chairman Deborah Platt Majoras told a gathering of the Council of Better Business Bureaus in 2005.

Platt Majoras continued in her speech: “In response to public concerns about the violent content of their products and its suitability for children, the motion picture (MPAA), music recording (RIAA), and electronic game (ESA) industries each have in place a self-regulatory system that rates or labels products in an effort to help parents seeking to limit their children’s exposure to violent materials. Their systems govern the placement of advertising for Restricted (R)-rated movies, Mature (M)-rated games, and Explicit-Content Labeled recordings in media popular with teens and require the disclosure of rating and labeling information in advertising and on product packaging.”

The NACB’s Fischer understands the differences between his organization and the MPAA: “There’s no federal law on rating movies because the industry took it upon themselves to do that. With something like cannabis, this is a drug that has such obvious public health and safety concerns, and it wouldn’t be realistic that the government would stay out of it as they have with motion picture ratings.”

But another section of Platt Majoras’ 2005 speech to the Better Business Bureaus acknowledges that the NACB’s early focus on universal cannabis advertising regulations is a solid place to start this particular SRO conversation: “The Distilled Spirits Council of the United States (DISCUS), as well as two other alcohol industry trade associations, the Beer Institute and Wine Institute, have adopted voluntary advertising codes governing the placement and content of alcohol advertising. The three codes have provisions designed to ensure that alcohol ads are not targeted to minors under 21, who cannot legally purchase alcohol, as well as to address other advertising and marketing issues.”

The NACB only launched on Thursday, and it has a long way to go before it can hold court with more established SRO counterparts in the alcohol and tobacco industries. But Fischer and his colleagues want consumers and potential members to know that they plan on growing into the kind of organization that can create meaningful, positive change for the cannabis industry and its millions of customers.

“At the outset, we’re a small organization and don’t have dedicated staff to inspect all our members,” said Fischer. “But over time we hope to move toward more robust enforcement mechanism, because to give governments and stakeholders assurances that our members are complying with relevant laws and our national standards, we will need to be able to back it up.”

from All Of Beer http://allofbeer.com/pot-industry-deals-with-ultimate-buzzkill-self-regulation/

[thegreathomebuyingzines-blog]

Homes for Sale: How to Get the Best Deal for this Big Purchase

Finding Homes for sale, in truth, is a lot easier than the act of actually buying one. The difference between the two may just be mere steps but, that single step is akin to miles and miles of difference that cannot easily be traversed by any potential home buyer. The fact that separates the two is the same as ever - no one is just willing to leap immediately in a transaction without guaranteeing whether it's the best deal. However, how exactly can you get the best deal out of the plethora of homes for sale in the market today?

 The most obvious path for one to take, in order to make sure that they get the best deals, is to take a bit more effort in becoming a pre-approved buyer. Research on how to become a pre-approved buyer and put your time and resources into becoming one. This is one of the fail-proof ways to send a message to Real Estate and Realtors, that you are a serious buyer. By relaying this fact to them, you'll have a stronger hold on negotiation and discussions on price, which will surely be beneficial for your purchase.

 When it comes to finding the best homes for sale, you need to understand that the truly marvelous options will definitely not be in the market for a long time. The demand for impeccable homes is so great, that investors and home buyers alike would certainly be flocking to them in every moment. You need to put in more effort into always checking and guarding the top Real Estate Listings, especially on your target areas or preferred places. Check out Guam Beachfront Rentals for more info.

 It also isn't improbable for you to encounter some choices that are great but, with not-so competitive prices. In order for you to make sure that prices are matched with the quality and features of the house, you also need to make sure that you are aware of the trends in the market. This will allow you to have a better view of what a great offer should be like. If you have money to spare, you can also grab the help of a specialist. Watch and gather more ideas about home buying at https://www.youtube.com/watch?v=uBpGDl99oX4.

 By making sure that you're accompanied by a specialist as you negotiate for the house, you'll even be more guaranteed that you would not be sweet-talked by the Realtor you'll be talking to. You'll have a better chance of clearly traversing your way into the purchase and you'll also be reassured that the specialist will only agree to the purchase if he deems it as a great offer that can even be considered the bottom line of the Realtor. Know more about guam apartments for rent.

[islepropertiesguam]

This short blog post is a brief overview of Guam rentals and how to find the perfect property. It touches on the benefits of renting in Guam and provides some tips for finding the ideal rental property, including what to look for in a rental, how to search for properties, and the importance of working with a reputable rental agency.

[guam-realtor]

As one of the most beautiful destinations in the Pacific, Guam offers a unique mix of rich culture, stunning landscapes, and a booming economy. Whether you're a seasoned investor or a first-time homebuyer, there's never been a better time to explore Guam real estate.

If you're looking for the best deals in Guam real estate, Romaguamproperties.com is your go-to source for a comprehensive property search. Here's everything you need to know to find your dream property in Guam.

[guamhomeslizduenas]

Explore the Best Guam Homes: Your Guide to Island Living

Guam is a paradise that combines the charm of island living with modern amenities, making it an ideal destination for both homebuyers and investors. Whether you are considering purchasing your first home or looking to upgrade, Guam homes offer a diverse range of properties suited to every lifestyle and budget. From spacious single-family residences to luxurious beachfront condos, Guam’s real estate market has something for everyone. In this blog, we’ll take a closer look at the various homes in Guam, how to choose the right one, and tips for navigating the real estate market with the help of a reliable Guam Realtor.

Why Choose Guam Homes?

Guam’s strategic location in the Western Pacific, beautiful scenery, and welcoming community make it a desirable place to live and invest. Here are some compelling reasons to consider buying homes in Guam:

Beautiful Natural Surroundings: Enjoy breathtaking views of the ocean, lush landscapes, and tropical gardens that create a serene living environment.

Quality of Life: With excellent schools, healthcare facilities, and recreational activities, Guam offers a high standard of living.

Growing Economy: As a U.S. territory, Guam has a stable economy, making it an attractive place for real estate investments.

Diverse Property Options: From affordable condos to expansive villas, Guam homes cater to different tastes and preferences.

If you are ready to embrace island life, finding the right home in Guam is the first step.

Types of Guam Homes Available

The Guam homes for sale market features a wide range of property types, making it easy for buyers to find a home that matches their needs. Some of the most popular property types include:

Single-Family Homes: Ideal for families looking for space, privacy, and a backyard.

Condos and Townhouses: Perfect for young professionals or retirees seeking a low-maintenance lifestyle.

Luxury Villas: For those who desire an upscale living experience, luxury villas offer premium amenities and stunning views.

Beachfront Properties: If waking up to the sound of waves is your dream, consider a beachfront home with direct access to the coast.

Each type of property has its own unique advantages, and a seasoned real estate agent in Guam can help you determine which option best suits your lifestyle and financial goals.

Guam Homes for Sale: A Growing Market

The demand for homes for sale in Guam has been steadily increasing due to the island’s growing popularity among both locals and expatriates. Some key residential areas include Tamuning, Dededo, and Tumon, each offering distinct characteristics and amenities. When searching for Guam homes for sale, it’s essential to consider factors such as location, proximity to schools and workplaces, and your desired neighborhood vibe.

Working with an experienced Guam Realtor can make your search much easier, as they will provide valuable insights into the local market trends and property values. Realtors can also arrange property visits, negotiate offers, and assist with the legal aspects of buying a home.

Guam Homes for Rent: A Flexible Living Option

For those not yet ready to buy, exploring Guam homes for rent is an excellent option. Renting a home allows you to experience different neighborhoods and property types without making a long-term commitment. Some benefits of renting include:

Flexibility: Renters have the freedom to move to different areas based on their changing needs.

No Maintenance Hassles: Most rental agreements include maintenance services, so tenants don’t have to worry about repairs and upkeep.

Variety of Options: Rental properties in Guam range from small apartments to large homes, catering to singles, families, and professionals.

Renting is also a great way to familiarize yourself with the island before deciding on a permanent home purchase.

Choosing the Right Guam Realtor

Navigating the real estate market in Guam can be challenging without the guidance of a knowledgeable real estate agent in Guam. A qualified Guam Realtor will have in-depth knowledge of the local market, understand your needs, and help you find the perfect home quickly and efficiently. Here’s what to look for when choosing a realtor:

Experience: Ensure the realtor has a proven track record of successfully closing deals and a good understanding of Guam’s real estate landscape.

Local Knowledge: Realtors familiar with different neighborhoods can provide insights into schools, amenities, and community life.

Good Communication: Choose a realtor who listens to your requirements and keeps you informed throughout the process.

With the right realtor by your side, you’ll have a smooth and enjoyable home-buying experience.

Finding Your Ideal Guam Home with Liz Duenas Realty

At Liz Duenas Realty, we specialize in helping clients find the best Guam homes for sale and Guam homes for rent. Our team of experienced agents is committed to providing exceptional service, guiding you through every step of the process, and ensuring you find a home that fits your lifestyle and budget. Whether you’re looking for a starter home or a luxury property, we have the expertise and resources to make your dream of owning a home in Guam a reality.

Start Your Guam Real Estate Journey Today

Buying or renting homes in Guam is a significant decision that requires careful consideration and expert advice. With its beautiful surroundings, vibrant communities, and diverse property options, Guam is an excellent place to call home. If you’re ready to explore Guam homes or need assistance navigating the real estate market, get in touch with Liz Duenas Realty today. Let us help you find the perfect property and start your journey toward owning or renting your dream home in Guam

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Things That You Should Know About Homes For Sale In Guam

 What do you know about homes for sale? They are the ready homes that you will want to buy so that they are able to suit your needs in the long run. You should know that the improvement in the level of technology has ensured that you get the best homes that will suit the desires of your family for a very long time. The improvement in the technology has also contribute d to you getting the best home for sale much quicker in that you will check the houses online before you can choose to buy them in the long run.

 The one thing  that will ensure that your family is much more happy at the end of the day it to make sure that you get to buy the best home  that will accommodate all your family members at the end of the day. The best hoes that you should choose t buy should have the best drainage so that it carter for the needs of family hence live a much more comfortable life in the long run. The best homes that you will choose to buy also have the garden that will meet your needs in the long run. The other things that you will put in mind before you can buy the best homes is to make  sure that they have the enough space and also you can choose to do the remodeling and the renovations by yourself so that you can get the maximum m out of your house I the long run. To read more on the importance of getting the best house, check out http://money.cnn.com/2015/05/10/real_estate/secret-homes-for-sale/.

 The people that will help you in the buying of the best hoes are called the guam mls Realtors. The Realtors have the experience in the field and hence you are sure that you will get the best services in the long run. The Realtors will evaluate the   condition of the home that you will choose to buy so that you avoid the losses in the long run. The Realtors will help you in the handling of the contracts in the even that you do not know what the handling of the contracts entails in the long run. The Realtors are aware of the houses that exists and hence they will give you the best advice in the situation that you want to buy the best house s that will suit your needs in the long run.

 You can choose to read the online ladera towers guam reviews before you can get to buy the best homes that will suit your needs in the long run.

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Looking For A Home For Sale

At times, you will find that purchasing a home would be better that getting to build one. This will all have to do with the wait. Meaning that it would be better getting to make certain that when looking for a house to purchase, you get to be keen. This will ascertain that you can get to find the best. Likewise, you will find that you can be having a better means of making certain that all of which you might get to do can work in your favor, thus getting to be assuaged. Therefore, you have to know of the one which you would like or even the one which can be great.

This will mean that you need to know how it is that you would get to attain your home. Most of the times, you will find that looking for a realtor can be something which can work in your favor. Meaning that you can be having a better means of ascertaining that of all which you might get to do, you can be surfeited. Thus being able to make certain that you do know of a house which you do need or even that you do not get to spend much time looking for one. Look up guam realty options online to get started. 

Likewise, you will find that when conducting your search, a budget should be amongst the things which you need to have. Meaning that you need to know of which houses you can be able to afford or even what it is you have to forfeit. Meaning that you will not have to get yourself into debt for a home. All you should do will be making certain that you can have a home which can work in your favor or even one which can get to be appeasing thus getting to know of all that you would require.

Finally, via the assistance of the internet, you will find that the entire search can get to be simple. You will get to know of all that you have to look for in a house. Meaning that you can be well educated and also that you can have an idea of what might get to work best. Likewise, you will discover that you will be having a better means of making certain that of all which you might get to do, you can be assuaged or even that you do know of what would eventually get to work best. Therefore, you can be able to know of the home that you would need in no time. Keep these in mind when looking for your future guamhome. 

If you're buying a house, go to http://www.wikihow.com/Buy-a-House.

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Home Buying Assistance For Veterans

Contents

Closing costs veterans united

Time home buyers

Carolina home buyers

Played important roles

Credit union offers

military heroes fund. dream makers

House For Rent By Owner In Chesapeake Va Benefits Of Va Loan closing costs veterans united Home Loans Login This Veteran’S Basic Entitlement Is $36 000* Celebrate David Crosby’s birthday with a look back at Crosby, Stills, Nash & Young’s Woodstock set, which was the quartet’s second ever live performance.FHA and VA loans have some unique features and fees that require additional consideration when deciding if you want to roll your closing costs into the loan. You should discuss all features of the loan program with your lender to make sure you fully understand your obligations as a borrower.Upstairs apt for rent in Deep Creek section of Chesapeake, Va.. 2 bedrooms. 1 bathrooms. rent: $875.00. Chesapeake, VA 23323 . View More Details

assistance throughout Colorado.. Since 1982 it has been our goal to provide timely and respectful service to all our customers: First time home buyers, borrowers, lenders and realtors, funders, public officials, and partners.. sex, color, religion, national origin, sexual orientation, disability, veteran status or any other status.

VA Loan Tips for Disabled Veterans.. if a first-time home buyer is purchasing a $200,000 home with a VA loan and qualifies for disability, the 2.15% funding fee will be waived – saving the.

Potential South carolina home buyers can now get up to $8,000 in forgivable down payment assistance, and a low mortgage interest rate, if they are employed in certain professions or are veterans.

Home Buying Resources for Veterans. Help Available to Veterans Purchasing a Home. Veterans have played important roles in the history of this country. Even with their patriotic and courageous service, there seems to be an information gap about the support and resources that are available to them when they’re attempting to purchase their own.

Our Veterans Program offers safe, newly renovated homes priced affordably and up to $7,500 in homebuyer assistance! New in 2019 – $1,000 buyer’s agent incentive for the purchase of any ANDP home by a Veteran, Active Duty Military Personnel, Reserve or Guard Member or Gold Star Family Member. Program Overview

Va Jumbo Loan Limits 2017 Loans above this limit are known as jumbo loans. The national conforming loan limit for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limits 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S. Virgin Islands.Navy Federal Mortgage Calculator Va Loan For instance, Navy Federal credit union offers a special mortgage for active duty and veteran members called the Military Choice Mortgage. Investigating loans like that, that are crafted to support.New Day 100 Va Loan Servicing tends to be less valuable in states where servicers have lengthy and expensive procedures to complete; servicing values are different for FHA & VA loans versus. growth, New American.

Shop for a Home – A real estate agent can help you navigate the home buying process. It is important to select a real estate agent that you are comfortable working with, and that will work diligently to help you find the right home. Suggestions for selecting a real estate agent include:

A Veteran; Active-duty personnel; Reservist/National Guard member.. VA Mortgage lenders offer a variety of home loans that cover a broad range of needs ,

Veteran Entrepreneurial Assistance; Back. military heroes fund. dream makers. What We Support. Dream Makers provides matching grants for down payment and closing cost assistance. Please carefully read the eligibility requirements below for both the applicant and the mortgage.. First-time home buyer, or you have not owned a home for the last.

Va Loan Pmi Mip Funding Fee United Veterans Home Loans Columbia Mo Find 3 listings related to Veterans United Home Loans in Columbia on YP.com. See reviews, photos, directions, phone numbers and more for Veterans United Home Loans locations in Columbia, MO.The nationwide problem was detailed in an internal 2014 report labeled “Funding. The VA program is attractive because it helps veterans finance the purchase of homes at low interest rates with no.

Veteran Type, Down Payment, % for 1st Time Use, % for Following Use. Mortgage Loan Officer to review which loan is the best option for you.

Can You Get A Second Va Loan Financial Assistance For Disabled Veterans disabled american veterans is an organization geared towards those. services to education to home loan guarantees. No matter what your financial needs are, resources exist to help connect veterans.Illinois Veterans Grant For Dependents Illinois sb1255 2019-2020 amends the higher education student assistance act With regard to the illinois veteran grant program provides that beginning with the 20192020 academic year a veteran may transfer his or her benefits to a qualified dependent if certain conditions are met defines qualified dependent Provides that a veteran may transfer benefits to multiple qualified dependents however.The reason a VA borrower isn’t allowed to rent out the property is because of the primary occupancy rule. VA loan rules require the borrower to certify they will use the property as their primary residence. No investment properties or summer homes may be purchased with a VA loan. But there is an alternative to selling the property.

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