Renting a House That's Going Into Foreclosure

One of the worst situations that a tenant can find themselves in is to be renting a house that is going into foreclosure. It's an uncertain situation and may eventually see the tenant evicted through no fault of their own.

If you find yourself in this situation, you have a number of rights that you should be aware of.

Will I Be Evicted?

Before 2009 the vast majority of tenants would lose their lease once the home entered into foreclosure, leaving them in a situation where they had to find somewhere else to live.

However, in 2009 the Protecting Tenants at Foreclosure Act changed so that any tenant in a foreclosed property can maintain their lease and continue to live there, assuming the new owner doesn't want to use the home for themselves.

While it is certainly not ideal, you will find that many people purchase foreclosed properties as an investment, rather than as a place to live themselves. That means many will be happy to keep you where you are, as they will now be receiving monthly money without having to put any work in.

Bear in mind that this differs slightly for tenants who are on a rolling monthly contract. In these cases the tenant will be given 90 days to vacate the property once ownership is transferred, unless they can reach an agreement with the new property owner.

What About Maintenance?

This is where the issue becomes a little stickier. Before a foreclosed property is sold to a new, individual owner it will usually become the property of a bank or mortgage provider for a period of time. There is no determining what this period of time is going to be, but it can be detrimental to maintenance efforts on the house.

A bank is not inclined to make sure everything in the house is working as you need it to, and your old landlord will no longer care once the house enters foreclosure. This means that any maintenance issues are likely to go neglected until there is a new property owner who is happy to allow you to keep renting.

Legal Action

In some cases, the tenant will also have the option of pursuing legal action against their former landlord, particularly if the landlord failed to inform them that the property was being foreclosed on.

In a legal sense, this failure to provide information essentially amounts to fraud, which means that the tenant can sue for monetary damages, such as any costs associated with the tenant being forced to move and any rent increases that they have had to endure in the process.

Unfortunately, if it has gotten this far then it is likely that you will have had to move out of the rented property, which is not an ideal situation.

The risk of foreclosure is something that should be disclosed, if it is a possibility, before the tenant ever signs the lease. Otherwise, they are having vital information withheld from them, which means their decision is less informed.

Using Leftover Rice: Tawa Pulao, An Indian Veg Recipe

To understand Tawa Pulao, one needs to know what 'Pav Bhaji' is. A medley of vegetables, - tomatoes (Yeah, I know that it's a fruit! *Sticks out tongue*), onions, boiled potatoes & peas, and capsicum are the most commonly used ones - flavoured with pav bhaji masala (A beautifully fragrant, strong blend of selected spices, such as, coriander seeds, cumin seeds, dry red chillies and cloves.), ginger-garlic paste and lots of butter is slowly simmered for several hours. During the course of prolonged cooking, as the flavours harmoniously marry, the vegetable curry is thoroughly mashed. Then, this delightful "bhaji" is served with "pav", i.e. soft, fluffy square buns (Very similar to burger buns. The chief difference is their shape.), that are sliced into two each, and shallow-fried in butter till browned, with a crisp surface. More butter is added while serving (to the bhaji) the exquisite preparation, and it is always accompanied by a wedge of lemon & salad. (The salad always contains onions. Many restaurants/streetfood joints/takeaways also give slices of crunchy cucumbers and juicy tomatoes.)

By the end of the day, Maharashtrian (Pav Bhaji hails from Maharashtra, a state in western India.) street food vendors start combining any leftover bhaji with plain, boiled rice, to make a dish that is a potpourri of colours, flavours, and textures - Tawa Pulao! Some eateries serve this pilaf with raita - a refreshing side dish made of smooth, seasoned yoghurt.

At home, you don't need to have bhaji leftovers to be able to cook this yummy dish. Simply start with a sautéed mixture of green chillies (For a milder dish, deseed the chilli and discard the seeds before using.), diced onions, ginger-garlic paste (Freshly grate the ginger and garlic if you like.), diced tomatoes and capsicum. (Yes, in this order!) Then, pour in a decent quantity of tomato ketchup. (Ketchup is not traditionally added to the dish, but works better than tomato purée, with its sweet and sour taste. The spices and flavourings in it also help build a rich flavour base.) Generously sprinkle with pav bhaji masala (Since we won't be adding any more spices.) and add a little turmeric powder. Cook until it is reduced starts to leave the oil. Tip in the leftover rice and mix until each pearl-white grain is coated in the spicy red sauce. Then, tumble in some boiled, fresh or frozen green peas. Switch off the heat, and serve with refreshing chopped green coriander! I also recommend some grated, melting processed cheese on the top!

How To Make Homemade Protein Bars

Young and old consume snack bars because they provide a good boost of energy and other dietary essentials very easily. Likewise, people love them because you just pop them in your bag or slip them in your pocket and you have food that can actually sustain you for a long time. Some say they get their recommended natural fibres from these snack bars as well; they can do without preparing elaborate meals with vegetables and other fibre-rich ingredients which are essential for regular elimination.

Now, here's the thing about these health bars. They can be pretty pricey, and some, after tests, actually proved to be not that healthy at all - they have extenders and too much sugar. If you wish to save a whole lot of dough and have the assurance that you are eating snacks or replacement meals which are truly good for you, making your own protein bars is something you should try doing.

Homemade protein bars are easy enough to make. Plus, you can be as creative as you want with them so the final result is not only thoroughly nutritious but very pleasing to your palate as well. There are so many recipes available online and if you wish for protein bars that can provide you adequate levels of nutrients, 180 Nutrition has a bounty of quick, completely good-for-you and delicious protein bar recipes everybody will surely love.

For the No-Bake Homemade Protein Bars, you will need two groups of ingredients and they are provided below.

Base

· 1 cup hazelnuts

· ½ cup raw cacao powder

· 2 scoops 180 Natural Protein Superfood

· 2 teaspoons stevia

· 1 teaspoon ground cinnamon

· ½ cup melted coconut oil

· 2 tablespoons of water

· 1 teaspoon of organic almond butter

Ganache

· 2 tablespoons of raw cacao powder

· 1 tablespoon melted coconut oil

· 1 teaspoon ground cinnamon

· 1 teaspoon of stevia (if desired)

To make these homemade protein bars, you will need a small food processor where you will blitz the hazelnuts for a minute before adding the cacao, stevia, protein powder, coconut oil and almond butter. Blitz everything until everything is properly combined. Afterwards, line a freezer-safe baking tray with baking paper and pour the mixture on it, pressing down firmly and evenly. Allow it to harden in the freezer for 15 minutes.

While you're waiting for the mixture to set, launch into the ganache by whisking all ingredients in a bowl until smooth. Take out the base mixture from the freezer for a bit and pour the ganache over it before popping it back into the fridge. Once everything is properly hardened, slice it up, serve on a cake stand as a dessert, or place in cute plastic bags as snacks you can take on the go.

Five Key Elements for a Quality Asphalt Driveway

When it comes to asphalt driveways, whether for commercial or residential properties, there are five key elements that make or break their dependability and longevity. Specifically for commercial properties, a good asphalt installation job is vital for several reasons. Not only does it make the investment worthwhile, it safeguards drivers and pedestrians that enter commercial premises because potholes and other road hazards are not present. And aesthetically speaking, good asphalt driveway installation is important so that a commercial business looks professional and prioritized. Continue reading to learn what these five key elements are, and who to trust for quality asphalt concrete paving and installation services.

A Suitable Foundation

The first aspect to consider is the ground foundation. For proper driveway paving, there must be a solid subgrade and a strong aggregate base. Often times, problems occur during paving projects like these because the subgrade is not stabilized correctly. For example, if the ground is full of soft wet clay, a contractor must remove this clay or cover it with a durable stone base that will reinforce the ground surface. Failure to do any of the above methods can result in driveway buckling, cracking, crumbling, and ever-increasing deterioration.

Good Drainage

Water is the number one threat to asphalt and concrete pavement. So when it comes to asphalt driveways, proper drainage is absolutely crucial. Water must drain away from the edges of pavement, rather than collect or amass on top of it. If there is no slope to the pavement, water will not properly runoff the sides and away from the driveway. Water will seep into the pores or open crevices of asphalt and freeze, thaw, and expand the pavement overtime. This is what causes potholes, crumbling, and cracks.

Proper Supplies

If the wrong pavement mix is used to pave an asphalt driveway, problems are bound to ensure. Asphalt driveways are vulnerable to weathering and oxidation, so the right type of hot asphalt mix is vital. Although opinions differ among pavement companies and contractors as to which type of mix is best for such projects, driveway mixes should contain less air voids than highway mixes, but more binder. It should result in a finer aggregate finish to look smoother and darker.

Routine Maintenance

Once a driveway is paved and completed, the work is not done. Routine maintenance all year round is critical for all pavements to last. This includes a daily sweeping of debris, regular power washing, seal-coating, crack repair, and more. Consult a professional pavement contractor for advice on proper asphalt maintenance practices. Companies can even outsource these services.

Ethical Workmanship

It is highly important to hire a licensed, bonded, and insured pavement company for proper construction practices and ethical workmanship. Commercial companies that outsource such services want their providers to be liable for any defects or issue during the installation process. In addition, proper workmanship guarantees a proper job. Trained and experience paving contractors can provide this kind of work for commercial companies and more.

Renting a House That's Going Into Foreclosure

One of the worst situations that a tenant can find themselves in is to be renting a house that is going into foreclosure. It's an uncertain situation and may eventually see the tenant evicted through no fault of their own.

If you find yourself in this situation, you have a number of rights that you should be aware of.

Will I Be Evicted?

Before 2009 the vast majority of tenants would lose their lease once the home entered into foreclosure, leaving them in a situation where they had to find somewhere else to live.

However, in 2009 the Protecting Tenants at Foreclosure Act changed so that any tenant in a foreclosed property can maintain their lease and continue to live there, assuming the new owner doesn't want to use the home for themselves.

While it is certainly not ideal, you will find that many people purchase foreclosed properties as an investment, rather than as a place to live themselves. That means many will be happy to keep you where you are, as they will now be receiving monthly money without having to put any work in.

Bear in mind that this differs slightly for tenants who are on a rolling monthly contract. In these cases the tenant will be given 90 days to vacate the property once ownership is transferred, unless they can reach an agreement with the new property owner.

What About Maintenance?

This is where the issue becomes a little stickier. Before a foreclosed property is sold to a new, individual owner it will usually become the property of a bank or mortgage provider for a period of time. There is no determining what this period of time is going to be, but it can be detrimental to maintenance efforts on the house.

A bank is not inclined to make sure everything in the house is working as you need it to, and your old landlord will no longer care once the house enters foreclosure. This means that any maintenance issues are likely to go neglected until there is a new property owner who is happy to allow you to keep renting.

Legal Action

In some cases, the tenant will also have the option of pursuing legal action against their former landlord, particularly if the landlord failed to inform them that the property was being foreclosed on.

In a legal sense, this failure to provide information essentially amounts to fraud, which means that the tenant can sue for monetary damages, such as any costs associated with the tenant being forced to move and any rent increases that they have had to endure in the process.

Unfortunately, if it has gotten this far then it is likely that you will have had to move out of the rented property, which is not an ideal situation.

The risk of foreclosure is something that should be disclosed, if it is a possibility, before the tenant ever signs the lease. Otherwise, they are having vital information withheld from them, which means their decision is less informed.

What to Expect After a Foreclosure

The "Great Recession" may be the first great misnomer of the 21st century. What was so "great" about it? An estimated 6.7 million Americans lost their homes since 2006, and another 800,000 may still lose their homes by the time all delinquent mortgages are settled. Perhaps you are one of these millions who face losing your home to foreclosure. What happens, next?

Beyond Falling Behind

There comes a point in falling behind on your mortgage payments when you simply can't catch up. You may choose to let the foreclosure process proceed and if you do, here are some points to be aware of:

• Foreclosure moves on a schedule that is driven by both lender procedures and state laws.

• Educate yourself on the foreclosure process. Accessing your state's website and searching "foreclosure" is a good place to start.

• You will not automatically become homeless once foreclosure proceedings have begun. There will be a period of time (depending on state laws) before a notice of default is issued. Once notice is given, you may have an additional period of time in which to make things right. If that isn't possible, there will be a number of days before the house is actually sold. These factors also influence how quickly you must vacate your former home:

o Filing for Chapter 7 bankruptcy can delay sale of your house by a given period of time. Check state laws and consult an attorney before deciding if this is the best choice for your circumstances. 

o The type of foreclosure (as mandated by your state): a judicial foreclosure process typically takes longer than a non-judicial foreclosure). 

o At foreclosure, your lender may own the house or it may be bought at auction. The new owner cannot intimidate or threaten you to leave the property and you cannot automatically be evicted. A notice to vacate must first be issued (most states allow between five and 30 days to vacate).

The Story Continues (for Awhile)

Walking away from a home is not the end of the story. These are some of the potential post-foreclosure ramifications to consider:

• You may still be required to pay a portion of your mortgage debt after foreclosure and there may be some tax responsibilities to address. 

• The length of time before you can receive a Fannie Mae mortgage for purchase of your next home is now seven years. 

• Your credit rating will most likely be severely reduced, making it difficult for you to finance anything from a car or obtaining housing. 

• You may face employability issues, particularly if you work in the financing and banking industry.

Any of these ramifications can be overwhelming but they don't have to remain so. Consult with an attorney knowledgeable in foreclosure and bankruptcy. Know your options, legal rights, and responsibilities before you make any decisions.

HOA Foreclosure Fees

Home Owners Associations are far more prevalent today than perhaps a few decades ago. Nowadays if you buy a condominium or a townhouse or even many average single-family homes; like it or not, you will most likely be a part of an HOA community. That means there will be various fees that you will need to pay on top of your mortgage. So what happens when your home is foreclosed upon? What fees can you expect to owe to your HOA? We will proceed to discuss this subject right now.

To begin with, we will explain the basic purposes of the HOAs. They are legally obligated to manage and oversee the maintenance of their specific community in accordance with the laws for their home state. Each HOA typically has its own set of rules and restrictions that apply to every home within that community; including YOURS. In addition to being the party who enforces these rules and restrictions; the HOAs are responsible for collecting any fees or assessments that are associated with each home within their community. If this sounds a bit over the top and like something you are unwilling to abide by; we firmly suggest looking into whether your prospective home is managed by an HOA BEFORE YOU BUY IT!! If you are not familiar with their legal terminology at any point before or after you buy your home, DO consult your real estate lawyer.

It is vitally important for you to know that; if an HOA has a lien on your property, it IS LEGALLY entitled to foreclose on that lien. This is true even if you are paying off a separate mortgage fee and are on time with those payments. The specifics involved with these proceedings vary depending upon state laws and the rules spelled out in the first place by your HOA. Again; if you do not like these concepts of an HOA, DO NOT move into a home where an HOA exists!! That is the best way to avoid all of these problems. However; on the positive side, a community may be much more well-maintained and enjoyable to live in if an HOA is in charge of it. So there are definitely good points to having an HOA.

There are legal options available to you if your Home Owners Association begins foreclosure proceedings against you. For complete details; again we urge you to contact your lawyer. However in general; one option is to legally have their accounting records examined by an expert. It is possible this will prove if incorrect accounting has led to this foreclosure action. If the HOA fails to comply with this legal request, your foreclosure proceedings might be dismissed. Another reason for possible dismissal of this action could be if your HOA did not abide by your state laws when it filed foreclosure proceedings against you. This can also be proven and legally challenged by an official expert on these matters. In either case you should be prepared to go to court if necessary to fight for your home.

If you looking for a jobs in Boston that has the potential to make over 150k+ your 1st year. And you have your real estate license MA then please contact us at Tazar. Also if you need the best Boston plumbing service at a fair value please contact Plumbing Boston.

Thank you for reading.