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As fires ravage California, Trump gives his climate-change solution: 'It'll start getting cooler'California Gov. Gavin Newsom unsuccessfully pressed President Trump on Monday to acknowledge that climate change is making wildfires worse across much of the West Coast.


9/14/2020 3:31:10 PM

Breonna Taylor's mother reaches $12M settlement, police reform agreement with LouisvilleThe family of Breonna Taylor, a Black woman who was shot and killed by police in her Louisville, Ky., apartment earlier this year, has settled a wrongful death lawsuit against the city for $12 million that includes an agreement to implement a number of police reforms.


9/15/2020 3:09:50 PM

Armed gangs ‘protecting property’ in wildfire evacuation zones are confronting people at gunpoint, Oregon police say‘The last thing I want to see is something tragically happen because somebody is overreacting’


9/15/2020 1:01:13 PM

Cotton Announces Bill to Revoke China’s ‘Most Favored Nation’ StatusSenator Tom Cotton (R., Ark.) announced Monday that he is introducing legislation to repeal permanent most favored nation trade status, a designation that guarantees equal trading opportunity among a nation's trade partners.In an appearance on Fox & Friends, Cotton criticized China’s status as a most favored nation, and said he would introduce legislation this week that would require the president and congress to reassess the status each year.Under Cotton’s new legislation if China were to “shoot missiles at our ships in the Western Pacific” or crack down on Hong Kong as it has done this year, “then we would be able to say each year we are not going to renew most favored nation status for China,” he said. > China should be stripped of its permanent most-favored-nation status.> > Joe Biden voted to give the communist country the special trade status 20 years ago, supercharging the loss of American manufacturing jobs.> > I'm introducing legislation to end it. pic.twitter.com/LWPXmcORlf> > -- Tom Cotton (@SenTomCotton) September 14, 2020The senator also blasted Democratic presidential nominee Joe Biden for his decades of support of increased trade opportunities with the Chinese Communist Party.“This week is the twentieth anniversary of Joe Biden voting to give permanent most favored nation status to China,” he said. “Just think about that — most favored nation status to a communist country.”He said the status had “supercharged the loss of American manufacturing jobs” and criticized the former vice president for defending it last week during an interview with CNN’s Jake Tapper.Tapper asked Biden, “A lot of people think that allowing China into the World Trade Organization, which you supported, extending most favored nation status to China, which you supported, that those steps allowed China to take advantage of the United States by using our own open trade deals against us. Do you think, in retrospect, you were naive about China?”Biden defended the stance saying, “No, here is the thing. In the context of that, we want China to grow. We don’t want a war with China.”Cotton has shown repeated disapproval of Biden’s stance on China and in March published an article at National Review titled “Joe Biden Is China’s Choice for President,” in which he criticized Biden’s support for China’s most favored nation status. “In the critical fight over whether to grant most-favored-nation trade status and World Trade Organization membership to China in the 1990s — a fight in which, again, many of his party’s leaders in Congress were on the right side — Biden carefully shepherded China through the process from his powerful perch as the senior Democrat on the Senate Foreign Relations Committee,” the longtime China hawk wrote. In 2000, Biden voted to approve Permanent Normal Trade Relations with the country, which created a path for China to become a member of the World Trade Organization one year later.“Wherever a brake might have been applied — by placing human-rights or labor conditions on most-favored-nation status, for example — Biden voted the measures down and lobbied other senators for Beijing,” Cotton continued. “Unfortunately, China and Biden got their way, and American workers are still suffering from it.”


9/14/2020 9:14:41 AM

Perfectly preserved Ice Age cave bear discovered in Arctic RussiaReindeer herders in a Russian Arctic archipelago have found the immaculately preserved carcass of an Ice Age cave bear, researchers said Monday.


9/14/2020 2:36:58 PM

ICE whistleblower: Nurse alleges 'hysterectomies on immigrant women in US'A complaint alleges unsafe treatment and conditions at a migrant detention centre in Georgia, US.


9/15/2020 1:29:45 PM

Teen hunter run over by corn chopper after falling asleep in field, Michigan cops sayThe teen had been dropped off to hunt earlier in the day, police say.


9/14/2020 8:15:06 AM

American woman's German bar crawl spreads Covid to at least 59 peopleDespite symptoms for coronavirus, 26-year-old went partying while waiting for test results. Bavaria's governor called it a "model case of stupidity."


9/15/2020 1:51:11 PM

Birds are dropping dead in New Mexico, potentially in the 'hundreds of thousands'Scientists are investigating why so many birds are dying and are asking the public for help.


9/15/2020 9:37:35 AM

Poll: Number of Americans willing to get COVID-19 vaccine falls to new low amid fears Trump is putting politics before safetyThe latest Yahoo News/YouGov poll reveals that less than a third of Americans (32 percent) say they plan to get vaccinated, a stunning 23-point decline that reflects rising concern about the politicization of the vaccine process.


9/14/2020 3:37:27 PM

How to Not Pay Too Much for Your Home


Whether you are buying your first home, or your fifth, the process of buying a home is a detailed, time-consuming venture. At the same time, it’s an emotional period laden with difficult choices. You want to ensure that the home you purchase meets your family’s needs now, and in the future.

AgentShow01.jpgEach of these decisions often involves money. When you consider all that money represents, you’ll want to ensure that you don’t pay too much. This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process. These include such things as knowing what you want before you begin shopping, taking your time to shop, choosing the right realtor, and remaining objective while viewing potential homes. With this information, you’ll be closer to finding your ideal home.

 

1. Before you shop, develop a needs vs. wants list
Everyone has a picture of an ideal home. This would include all the features you not only need, but have long desired. However, when it comes time to buying a home, the desires cost more. While it’s nice to think about having a beautifully landscaped backyard, or a solarium, perhaps even some built-in appliances, these are usually considered luxury items, which can add considerably to the price of your home.

That’s why it’s a good idea to develop a needs and wants lists. With this list, begin with items you really need like adequate space, garage and number of bedrooms. For most people, basic needs should be considered first. After that, you could consider additional desires, if you can manage these benefits financially.

With such a list in your hands, you’re less likely to be caught up in the excitement of the pursuit. You’ll have a good idea of what you want, within you price range, and if you can afford those additional items.

2. Get pre-approved prior to shopping
Visit your financial or lending institution prior to home buying. Quickly, you’ll know the amount of mortgage you’ll receive. Be sure to get a mortgage commitment in writing. Most importantly, you’ll tell sellers that you are a serious prospect. Depending upon market conditions, a seller may lean towards an unconditional offer. You’ll have less negotiating power if you have to wait for mortgage approval.

Banks and financial institutions have developed many programs especially for home buyers, be that first-time buyers or those with equity in their homes. When you review your needs and objectives with a lending officer, you’ll be one step closer to purchasing your home.

These are just 2 of the things to keep in mind when purchasing a home. Instantly have 20 additional tips to be aware of emailed to you:
 

How Not To Pay Too Much For Your Home - 20 additional items
This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
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