Lead Free

Pre Foreclosure Leads - Where to Find Pre Foreclosure Leads, Free Foreclosure Listings and Free Foreclosure Lists

What is the difference between foreclosures or pre-foreclosures in BC? That’s what we get asked quite often. So let’s clarifying what is really being asked here You want to know whether the properties on the list are at the stage in the foreclosure process that is the most accessible to you and allows you to go in without having to compete with other bidders.

>Pre-Foreclosure

Let’s explain it like this: let’s say Joe just got laid off yesterday, and he’s worried about how he will make his mortgage payments. At this point, he is not in default yet because he made his mortgage payment last month.

But he is probably considering selling his property because he doesn’t know if he can find another job and continue to make mortgage payments. Most investors consider this a "pre-foreclosure" situation, because the foreclosure process has not started yet.

>Demand Letter / Petition

3 months pass by, Joe still doesn’t have a job, and he’s missed 3 months of mortgage payments. Now his bank/lender sends him a demand letter asking for full payment of his entire mortgage immediately. Joe can’t pay it, so the bank/lender begins a legal process called a foreclosure in which the bank/lender will legally repossess his house. This is done by making a Petition in Supreme Court.

>Redemption Period

At the Petition, the Judge will give Joea Redemption Period, a set period of time to allow Joe to sell the house or repay the mortgage by other means. The Redemption Period is usually 6 months.

If Joe sells his house within this period, the foreclosure process stops and he would have saved his house from being repossessed. If he can’t do that before the redemption period then this will then lead to

>Court Ordered Sale

The bank/lender will now have the right to sell the property. They will usually list it with a real estate brokerage which will make it available on the public MLS.

Once an offer is accepted, it is presented to the Judge in court.

>Court Auction

If there are no bidders in court at that time, the sale will be completed. If there are other bidders present, it is sold to the highest bidder even though there is an accepted offer from the buyer who came from a realtor. Therefore, the price may get bidded too high and the buyer must buy the property without any conditions (with cash).

>The Best Time To Buy Foreclosures

If you have a way of knowing about a pre-foreclosure situation, then by all means, offer a solution to the seller. However, at this stage, the seller, like Joe in this case, may be just thinking about selling, but not that motivated - yet. Also, they are not that accessible, you would most likely have to know the seller personally.

The foreclosures on listings sites such as canadaforeclosurelist.ca are in the REDEMPTION PERIOD

before they are foreclosed on and after they miss their mortgage payments. This is the perfect time for you to approach the sellers because they are much more motivated to sell which gives you the chance to buy the property at a significantly reduced price.

And this is before it gets listed on the public MLS and before it is auctioned at the courthouse, which protects you from being out bidded by someone else – even if only for $100 more.

Also, you can buy the property normally with a mortgage and with conditions, unlike a court auction which requires you to pay in cash.

About the Author

Aiden, who came from humble beginnings, is a highly successful real estate investor who specializes in real estate foreclosures and flipping properties throughout Canada. His company, CanadaForeclosureList.ca provides education and tools to aspiring and experienced investors to maximize their income in the shortest time possible. To know more visit http://www.canadaforeclosurelist.ca/

The Vital Importance of Lead-Free Drinking Water

The Environmental Protection Agency has stated categorically, "Lead is the number-one environmental health threat to our children." Years ago parents were shocked to learn that the paint used in their children's rooms was actually poisonous because it was lead based. But even when that was outlawed, it didn't eliminate the problem of lead poisoning.

Of the five heavy metals that cause health concerns when ingested, lead, cadmium, mercury, aluminum, and beryllium, the first three cause the greatest risks. They do not help our bodies in any known way. Lead can be ingested in a wide variety of ways. Here are some: car batteries, cigarette smoke, cosmetics, hair dyes, pottery, lead solder, toothpastes,  metal polish, some colored inks, and many others.

Lead gets into our systems through, among other things, our drinking water. Old houses might still be using lead pipes and wells might have lead casing or storage tanks. Most city water systems have some lead in the water anyway. When I checked the water report from my own city, I found it to be within acceptable limits in every area. For lead, this was 2.5 parts per billion, well below the acceptable maximum of 12 ppb. However, the last time the city water was tested for lead was two years before this report was issued and three years before he read it. What is it now?

To add concern to the possibility of lead poisoning in city water, consider this. The Washington Post reported that, upon examining 65 of the 3,000 largest utilities, they found that cities such as Providence, R.I., New York City, Philadelphia, Boston, and Portland, Maine, are "manipulating the results of tests used to detect lead in water, violating federal law and putting millions of Americans at risk."  Further, in excess of 250 major cities currently exceed the EPA's lead standards. Many of them have been "deceptive, or even fraudulent, in their reporting of the problems."

Though lead has no known advantage to the body, it does cause known problems.  "Each year in the U.S., lead in drinking water contributes to 480,000 cases of learning disorders in children and 560,000 cases of hypertension in adult males." We cannot totally rid ourselves of ingesting lead, but we can minimize the problem as much as possible.

Here is an edited list of some of the negative impact of lead on the human body: depression, dyslexia, emotional instability, encephalitis, epilepsy, fatigue, gout, hallucinations, headaches, hostility, hyperactivity, hypertension, hypothyroid, impotence, immune suppression, decreased IQ, indigestion, infertility, insomnia, irritability, joint pain, kidney disorders, learning disability, liver dysfunction, loss of will, memory loss (long term), menstrual problems, mood swings, muscle aches, muscle weakness, muscular dystrophy, and multiple sclerosis.

The list drones on and on. In summary, lead's leading areas of concern are kidney problems and nervous system damage. As noted above, these are not the only problems but they are certainly problem enough.

The next question is, what do we do about it? How can we protect our children from any possibility of the crippling effects of lead poisoning? First, check your house for lead paint and your water system for lead pipes. Second, filter your drinking and cooking water. A good activated carbon filter like the Black Berkey or their shower filter will remove 95% of the lead present in the water. That is a giant first step in providing safe water for yourself and your family.

What does 'lead free zinc alloy' mean?

Im buying a necklace and in the description it says lead free zinc alloy. I don't know what it means so I don't know if it's good or not. Explain in answers please
So is it good or is it crap meterial?

it is cheap metal. Mainly used to look like sterling silver, but being much cheaper.

Lyle Leads, Daly Departs on Dramatic Day at Australian Open (International Herald Tribune)

John Daly stormed off mid-round, Adam Scott hit an albatross and Tiger Woods
submitted a blemish-free scorecard but little-known Jarrod Lyle trumped them
all to take a one-stroke lead after an eventful opening day at the Australian
Open on Thursday.

International Herald Tribune

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