Construction Finance Fees

11 May

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Despite the fact that us brokers like to conserve you time and income we cannot arrange finance for you that is no cost. At the very same time we know that borrowers are not keen on paying for lender expenses and certainly want to keep them to a minimal. With any construction finance application you will have to spend charges for the following:

Valuations. Any lender will need to check the figures for the present and end value of your building project. Even though you will have accomplished your own research and will have a great concept of the probably Gross Development Worth of the web site the lender can’t and will not take your word for it. Loan to value plays an essential element in the underwriting procedure and so a distinction in opinion of worth can be a deal breaker. With this in thoughts it is critical that your figures are realistic so that you do not waste your time browsing with us, for developing finance. The cost of the valuation will differ depending on the sort of property becoming valued but most lenders will only charge you the price of the report, which would normally be 1 per ‘000 of house worth.

Specialist reports. Most lenders will employ the services of either an Engineer or a Quantity Surveyor. These experts will carry out numerous reports to assist with underwriting of a project. The construction finance provider will be an professional in lending funds but not necessarily in the actual develop method so a helping hand is often essential. Once again, the borrower will need to cover this cost but it can also be of use to the client as an Engineer, for instance could point out issues that are greater sorted at the start than the finish of a construct.

Arrangement Charges. Even though some bridging lenders will not have an arrangement fee the vast majority do as will all specialist development finance lenders. Normally fees will be 1.5 – 2% and is commonly added to the loan, becoming charged on completion. Some lenders will want to take portion of their fee on acceptance of supply or to progress an application beyond agreement in principle, just so they know you are severe about taking their finance. Arrangement charges are an industry standard and must just be looked at as an inevitable cost of borrowing income. You are developing or converting a property to make a profit but you cannot neglect that the lenders delivering the income you need also want make a profit.

Exit costs.This is one more industry regular. Specialist providers normally lend more than a relatively short period of time and to make the workout profitable will want to charge a fee for you to exit the facility. This is 1 area of finance that can vary quite widely and is a really essential consideration when selecting a item. Some lenders will want to take 2% of the Gross Development Worth, for instance, while other individuals will take an further months interest. This can have a large impact on the general expense of finance as highlighted right here. Lenders charging a percentage of G.D.V. will attract customers with decrease interest prices but the price of the facility as a entire can be the same, if not far more, than a higher interest loan due to the amount of cash paid out at the finish of the loan period.

Charges to borrow money are not new and will not be going away, you have to bear in mind that if you want the funding you require to pay the lenders’ fees.

So, although you want to preserve your construction finance costs as low as feasible you need to recognise that a profit of tens of thousands or even hundreds of thousands of pounds is worth paying for – that stated there is no point paying unnecessarily high fees so get in touch with a broker and discover out how they could save your project income and add to your profitability.

103 Responses to “Construction Finance Fees”

  1. Evita January 15, 2013 at 12:00 pm #

    i am likely to open a little restaurant at vegas with $5,0000

    sq. that i am searching for is all about 1000~ 1400 sq.

    capacity of 15~20 people that is tiny….

    however, i am attempting to build own restaurant with lease contract.

    and let me discover the price of construction and ff&e costs.

  2. Nu January 15, 2013 at 3:11 pm #

    And just how do tax dollars lead to preschool?

    I have never visited preschool, and so i would like to know you and your childs’ experience :).

    @Daniel – Interesting, and so i guess it’s unnecessary.

  3. Yolonda January 15, 2013 at 3:22 pm #

    Or perhaps is it simply strictly for house purchasing. And if you could utilize it on land along with a house would that can consist of including a garage or creating a basement? Essentially if your loan was for 200k could I personally use on things including the house?

  4. Dustin January 15, 2013 at 3:23 pm #

    The font is “The Economist”. Italia is becoming now third biggest economy in EU and sixth on the planet overpowering United kingdom now 4th in EU and seventh on the planet. What’s exactly why the sick guy of Europe has become more potent than The Uk?

  5. Siu January 15, 2013 at 3:24 pm #

    My daughter is really miserable! She’ll be 18 the following month. She’s getting the worst cramps ever. She isn’t pregnant with no chance of childbearing. This can be a monthly event on her except this month it’s among the worst. Does anybody their very own “special cocktails” that actually works for that worst menstrual cramps? She’s also attempted Tylenol and Midol having a heating pad.

  6. Mollie January 15, 2013 at 8:54 pm #

    Something which most of the ladies of this age and profession will adore.

  7. Elliott January 15, 2013 at 8:54 pm #

    I’d also think about a new construction loan,basically could perform the same factor.

  8. Lora January 16, 2013 at 1:29 pm #

    I’m searching to construct my first house and wondered if there’s some kind of special order to do things. and can banks allow me to be my very own owner/builder since i have haven’t possessed or built a house before?

  9. Henry January 16, 2013 at 2:55 pm #

    My spouse and i are first time homebuyers. We’ve been preapproved for any home loan, but aren’t getting luck finding what we should want. We’ve considered the thought of building our very own. Do you know the variations between obtaining a preapproved loan and purchasing a already built house on and on by permitting a construction loan? Is it necessary to put money in advance for any construction loan? Organization mortgage obligations while a home is being built, or would you hold back until a home is completed? It is possible to time period the house should be built within? When we were preapproved for a specific amount having a homebuyers loan, would we be preapproved for the similar amount for any construction loan? The other variations must i learn about? Since we’re very first time homebuyers we don’t cash collateral (we all do possess some savings, although not a lot), would affecting our ability to obtain a construction loan?

  10. Jeanette February 21, 2013 at 1:57 pm #

    Can you please explain how the so called US FInancial crisis is effecting the stock markets of the world?

  11. Selina February 24, 2013 at 1:26 am #

    My husband and I have land in Fayetteville NC. We are wanting to be our own general contractors. Can anyone help us with locating a bank or hard money lender that does owner construction loans? We are called almost every bank in the area. Any help would be greatly appreciated.

  12. Karin March 14, 2013 at 9:19 am #

    In one of my classes we are doing a mock housing bid and it is from the contractor’s point of view. We are supposed to make a powerpoint but my partner lost the sheet of things that we need to include in it. We already have the desired place to build and house plans, but don’t know what to include in the powerpoint. HELLLPPPP!!!!!!!!!!!!!!!!

  13. Abraham March 20, 2013 at 12:09 am #

    I’m in the construction field. I have 30 employees and lots of equipment.

  14. Jarrod March 20, 2013 at 6:09 am #

    5 billion and counting. And he did not get the money from taxes he got it from investments strategies
    Awe you already had this on cut and paste I assume

  15. Tracy March 20, 2013 at 3:05 pm #

    So because of this I most likely will not be able to make my car payment (2006 Ford F-150, purchased throw Ford Canada Financing). I work in the new home construction industry and work is a little slow this winter.
    What do i do ?
    Do I just call them and say I can’t make the payment ?
    What will be the repercussions because of this ?

  16. Marhta March 21, 2013 at 3:03 am #

    I dont want midget bites!?!?!:S

  17. Tyesha March 22, 2013 at 1:02 am #

    If you haven’t I would strongly recommend watching it.

    (Click the CC button for subtitles)
    It is a modern movie with high production values about Jesus’ last days directed by Mel Gibson.

  18. Sherlyn March 22, 2013 at 4:24 am #

    I bought a land during 2010-2011 under Housing loan (for plot and construction) and construction is nearing completion now. Can I claim IT exemption under Sec.80C for the stamp duty and registration charges paid for the property and also for the repayment of principal amount EMIs

  19. Isaac March 22, 2013 at 6:20 am #

    My husband and I are working with a builder of a subdivision we are planning on building in. We chose a home from the options this builder has for the sub. To get started on the house, we need to give him $5,000 down. However we do not have the funds saved so we are able to do a construction loan. I’ve heard so many things about construction loans and how the fees are horrible. Yet, its been so hard for me to find any information. Would the fees be that steep, even though we only need $5000 down? Is there any specific banks/companies out there that make this process easier that anyone would recommend? Any help or information would be greatly appreciated. Thank You!

  20. Reid March 22, 2013 at 4:44 pm #

    Aparts from paying the Air ticket,we need to paid a tax on top of this.How’s does the airline determine the tax? Why different airline have different tax amount? Or it this fit by the countries or government?

  21. Brady March 22, 2013 at 4:44 pm #

    i want to build an extension to my house so i can have the kitchen on the same floor as the living room etc, it is currently in a converted basement. This will be a large job because the house is on a slope from front to back. any ideas please as to what the very first step should be? The house was built in 1900 so I’m looking at getting a grant. any ideas please as i’ve no idea what should be the first step.

  22. Laure March 23, 2013 at 4:31 am #

    I not sure how much a recruitment consultant can expect to get paid, or how competitive the industry is, I was wondering any idea how much you would get paid working as a consultant recruiting mostly for the construction and the finance industry.


  23. Anderson March 23, 2013 at 10:52 pm #

    Does anyone know much about demolition of a suburban house? How much does it cost? How long does it take? Good and bad experiences? Any suggestions of good demolition companies in the Perth, WA area? We want to knock down our current home and build again – I would be interested in any comments or experiences. Thanks.

  24. Bess March 24, 2013 at 10:00 am #

    I’m building a home in the next few months. I already own the land and my construction cost are going to run between 80k to 90k. I have about 60k in the bank and will need to borrow between 20k to 30k. What is the best way to obtain financing? I want to avoid paying a bunch of lending fees, appraisals, surveys, ect. Any suggestions out there? Thanks for the help.

  25. Donnell March 24, 2013 at 11:24 pm #

    or which of the two would be the best choice of first thought.

  26. Earleen March 25, 2013 at 2:45 am #

    For instance how much down, what kind of credit score, what are monthly payments based on, APR..???

  27. Tomas March 25, 2013 at 5:14 am #

    Most of the CRs (comfort rooms) in the Philippines (outside the high rises in Manila) drain into so-called sceptic tanks. There’s nothing “sceptic” about them: they are simple holes in the ground. There goes all the excrment, including paper and cleaning stuff. Does anybody give any thought to ecology and pollution of the ground?

  28. Shelba March 25, 2013 at 12:57 pm #


  29. Leda March 25, 2013 at 4:17 pm #

    Please help, big vocabulary test tomorrow!
    Thanks! 🙂
    Also, what is the difference between rudimentary and crude? Thanks!

  30. Virgil March 25, 2013 at 6:13 pm #

    I would like to know how much it might cost to completely build a 10 unit apartment complex in Charleston Sc. I will make 5: 2 bedroom, 1 bath. And 5: 1 bedroom, 1 bath. I will want enough parking spaces for each unit to have 3 cars and 10 spaces left over for when tenants throw parties. I would also like to know how much square footage i will need for this project. The complex will have 2 stories so i don’t have to make the building very long. Somebody please help me, I need an educated answer A.S.A.P. also if you know a site i can go to or any information on how i can find this out for my self, ill appreciate all feedback.
    i would want to build the building as cheap as possible. the property im looking to buy is in north Chas, in a rough area. no garages, just parking spaces-but i get your point on that. im 19 and only have a lil more than $300.000 saved up. ive been savin since i was 12 ive had this dream. i really dont know anything about how to do all this.. thats why im on here because none of my friends could help me.. any help and advice is appreciated.

  31. Prince March 25, 2013 at 10:57 pm #

    I went to to register with them so that i could apply for a gov. grant.
    When i tried i saw that i needed to know the specific grant number-
    does anyone know the specific name and number of the grant i need to apply for to buy my first home for my family?

    If not, any suggestions of other options would be great.

  32. Golden March 26, 2013 at 4:39 am #

    i know it is father and i have a normal relationship and i love him normally…but sometimes i dream that he is going to have intercourse with me…and last night was the worst..because im still a virgin and i dreamt that we had sex and he took my virginity..the worst part is that i liked the sex..the dream was so detailed and i enjoyed it but then when i realised that im not a virgin any more and that my father took it i was so depressed and i hit the wall of reality…so what does that say aboyt my psychology??by the way i have a boy friend and we are deeply in love and we fool around a little bit…but it is a long distance relation ship so he is not around currently
    to “tony t” i know im still a virgin…i meant that i was depressed in the dream when i realised im not a virgin any more…but when i woke up i was just plain relieved that it was just a dream
    to “creepy people” yes i think my dad is good looking but ofcourse im not attracted to him he is my father…and what’s with my mind trying to tell me something!! is it trying to tell me that i shuld sleep with my father>>haha u r weird

  33. Carmelo March 26, 2013 at 9:41 am #

    A community in the desert of Southwestern Arizona passes an initiative to set aside several hundred acres of the Sonora Desert. Identify at least two possible reasons why the community may have chosen to preserve this land rather than open it to commercial or suburban development.

  34. Michel March 26, 2013 at 5:44 pm #

    As soon as we paid off our land note with the bank, we asked the bank to finance the building of our new home. I was shocked to see they are charging us for a title policy on a new home, on land they held the note on and we just paid off. The courthouse is all computerized and all you have to do is go there and find out in 2 minutes if they have been any liens on the land. Also, the attorney works as his own closer, so he splits the title policy with the title company 60 / 40. Why does a title policy cost so much when it gets pocketed by the title company and other closer? Would all banks require this title policy? It doesn’t make sense but I know it is a ripoff. Anybody that works for the title insurance company, please justify these fees when you can go to most courthouses and look up these things in minutes. Why is it a well kept secret that if you pay tile insurance and sell within 7 years, you don’t have to pay it all over again?

  35. Dorian March 26, 2013 at 9:43 pm #

    Is possible to start a telecom company in Canada? If not, is it because Canada government forbid it or there are monopoly companies?

  36. Tod March 26, 2013 at 10:54 pm #

    The company is in engineering. All of our revenue comes from billing out for work done. ie we have no stock and don’t manufacture widgets.
    I have heard various simple calculations including the average revenue for the last five years plus assets (AR, cash and equipment) minus debt. Is that type of valuation reasonable?

  37. Andrew March 27, 2013 at 12:02 am #

    We are tearing down our old building (owned it and the land many years) to then improve the land into a park like setting. Should the cost of disposal and the remaining net book value be rolled into the cost of the land improvement? Or should these costs hit our P&L as loss on disposal of asset?

    Do you have any references I could point to?

  38. Alma March 27, 2013 at 7:09 am #

    In addition to that question, what are their views on Taxes? do the Republicans think Taxes should be raised or lowered… Democrats??
    Please answer with both views, not just your view.

  39. Carolee March 28, 2013 at 5:29 am #

    Im applying at Subway, Theaters… but i think maybe its the fact i have no work experiance… What can i do to convince them to hire me?

  40. Edmund March 29, 2013 at 9:54 am #

    Me and my girlfriend want to buy and renovate a house. We want to get a mortgage that rolls in an extra 50 to 65 thousand dollars for renovations. Does anyone recommend a specific program or lender? (besides the FHA 203k)

  41. Karlyn March 29, 2013 at 12:19 pm #

    Would you vote for Cynthia McKinney for president of the United States in 2012 ?
    I think she would be a good president.
    If not who will you vote for ?

  42. Tena March 29, 2013 at 3:04 pm #

    I am writin a position statement and career development plan and within it have to include an appraisal of my skills. What exactly does this mean?

  43. Christian March 30, 2013 at 12:27 am #

    The property is in what the builder called “shell” condition and will need approx. 100k in tenant improvements. Do I try and get a construction loan or do people usuallly use cash?

  44. German March 30, 2013 at 2:30 am #

    I am thinking about buying at least one piece of property this quarter and then maybe up to two next quarter. I am interested in learning about investment property. I don’t mind sitting on them for a while until the market recovers, because I know what the return will be like.

    I am not worried about financing. I have that in place. I just want to if anybody has some good advice for me.

    I have found two pieces of property, and I need to decide which one would be better for my breaking my cherry.

    Thank you all for your time!

  45. Morgan March 30, 2013 at 4:03 am #

    I am a student doing a group project for school based around building a mock hotel in North Dakota. We need to choose a city or town to place the hotel, but I’m not sure what to look for. The market is saturated in the highly populated and high traffic areas. Should we focus on placing it near local attractions? Any links to resources on this topic would be appreciated.

  46. Karly March 30, 2013 at 8:07 am #

    My husband and I are planning on buying a nice chunck of land in Colorado over the next year and we would like to know the estimated price it would cost to build a 4500-5000sqft home.
    The house is going to be three floors, which include, basement, main floor, and then the second floor. three car garage. My only request is that no part of the house be stucco!!!!! I like some brick and wood.

  47. Dewey March 30, 2013 at 1:36 pm #

    Polydor release PD-5026. Album cover is signed on the back “Dear Bimbo, best wishes from Randall’s island, Allen Herman.” (drummer) Also contains same message on glossy band photo found inside by surprise. Garage sale find, worth anything? Record is flawless, jacket is a little worn with a small water stain.

  48. Corrin March 30, 2013 at 4:09 pm #

    The economy is a little like golf, it is 90% mental. There is no question there is a slow down and problems, but is the media and political candidates incorrectly using the term “recession” and causing fear and slowing down the recovery?

    Definition of recession is two quarters of negative growth. This has not happened.

  49. Jason March 31, 2013 at 7:49 am #

    My husband made an oral agreement with a friend to transform his garage into a work space, in two days time. While my husband is fully licensed and insured in NYS to operate his own construction firm, since June of this year, he was taken for a ride by a former friend, after charging a fifth of what any other contractor would charge. If payment is not received, does oral agreement stand firm? If not paid by the employer in several weeks time, can the contractor apply late fees and finance charges under Tioga County laws? Can I, as his wife, who is also covered under his insurance policy, appoint myself with my husband’s permission, as personal asistant/secretary for his business? Someone please help as we are proceeding to small claims court and need some answers!

  50. Jacinto April 1, 2013 at 3:05 pm #

    I’m applying to colleges and I’m looking at an urban campus so I can be close to bars and clubs and stuff. The only problem with it is that my dad won’t buy me a car to take with me since he says its not worth it to park so I have to use the bus to get from my apartment or dorm to class and around the city. I really dont want to have to ride a smelly bus with a bunch of poor people and crack addicts everywhere. I told him I’d probably get sick if I had to ride the bus. How can i convince my dad to buy me a car to take with me?

  51. Abe April 1, 2013 at 4:22 pm #

    I am going to build a custom home (approximately 2 500 to 3 000 sq. ft.) that would end up costing approximately $400 000 for the lot, and approximately another $400 000 in the end when the dust clears, and financing is not a problem whatsoever. So I would like to know how much of a deposit would a builder require? $200 000? $300 000? Also, are there any other deposits/fees, etc (ie some sort of building fees, city/town fees and deposits, taxes…)?

    Thanks for any help you can provide. I’ve been driving myself nuts for like 2 months trying to figure everything out before I actually take the plunge!

  52. Staci April 1, 2013 at 6:09 pm #

    for example;
    1) pollution
    2) recession


  53. Marinda April 2, 2013 at 5:26 am #

    i wanted to set up stocks and i was told that i can also do that through my 401k and my employer will match some of that. is this true?

  54. Rodolfo April 2, 2013 at 9:16 am #

    A company I owned stock in issued shares of stock in a company they held. I was given 23 shares of stock in in that company as a dividend instead of cash. How is this listed for tax purposes?
    XTO energy issued me 23 shares of Hugoton Royalty Trust as a dividend. XTO was an owner of HGT shares..

  55. Dee April 2, 2013 at 7:12 pm #

    picked up in their mommies Mercedes SUVs, live in the new developments? My son is mad at me because we cant afford these things…her friends “Jill” has it all, 4000sq foot home in a new neighboorhood, she’s pretty and tall, has the cool clothes and yes her mom drives a Mercedes…we take transit!
    This girl is making mine realize how little we have, should I stop her from seeing her friend?
    I think this girl is snob because she says things like ‘you have a small tv” or ‘just buy it” when she knows we dont have the money…she points out all the faults.
    I wouldn’t say she is a MEAN GIRL but she makes my kid feel like a loser because we dont have BABY PHAT? clothing, shit like that, plus this girl gets dropped off at school in her moms MERCEDES SUV and my daughter takes the bus, This girls has a way of making my kid feel bad.

  56. Ernest April 2, 2013 at 9:54 pm #

    My fiance and I are looking into building a new home on land that we already own. Should I get a construction loan or a regular mortgage loan? People have been telling me many different things and I just need some answers. What would be the benefit of getting one over the other?


  57. Florencio April 3, 2013 at 4:10 am #

    Will Liberals contest this claim?
    I’m saying George Bush just as Liberals would say Obama if he implemented the same.

  58. Carlo April 3, 2013 at 8:39 am #

    in September 2008, paid 65% down, financed $10,335, maintenance fees $450. property is still under construction and new company is requiring new contracts to be signed, and have increased our maintenance fees by double to try and recover from the loss.

  59. Cyrus April 3, 2013 at 1:10 pm #

    I really can not understand why the worry about sub-prime, if you dont pay the bank or morgage company resposses house and they can sell it again and get their money back. They never lose nothing, but, perhaps high interest that they charged in the first place. It is only a paper loss not a dollar loss. All this fuss about hedge funds losses is only wall street cronies crying cause they did not get their over priced home money and interest on time, it is the rich crying that they did not make as much money as they wanted. They still got material holdings in that they hold title to foreclosed houses. Too much about nothing, but, the rich trying to get richer as usual circumstances in a few controling the wealth and the middle and poor suffering from the rich greed and incompetance.

  60. Austin April 3, 2013 at 1:10 pm #

    is it true that all or a large amount of egyptians where thrown out of syria during the 1950s or 1960s?

  61. Dwight April 4, 2013 at 2:09 am #

    Hey going to Dallas/Fort worth Texas area next week for 2 weeks I was wondering what I should check out? never been there and need some help on what is worth going to see.
    *****Well I did look up a few things that are there to do, like the zoo, and ripleys belive it or not/wax museum, and six flags. but I was just wondering if people in the area could recommened stuff.
    **** i’m 23 years old, I’m looking for historic, or neat looking buildings, sightseeing, good places to eat that you can’t find in canada.

  62. Timmy April 4, 2013 at 2:53 am #

    I have been thinking about this question for along time, I know they are all developing countries, but which 5 are more developed than the rest or over others? any comments, opinions and facts would be great too.

  63. Emery April 5, 2013 at 12:16 am #

    that is the link to the house plan i would have built. It would be built sometime soon, around a month or two. I am curious as too how much it would cost for it to be built.

  64. Shantay April 5, 2013 at 12:53 am #

    How much is building land in the South-East (UK) at least even if you make a really good deal and avoid agents or land speculants….e.g. imagine some kind farmer or someone sells a piece of land for a family home in good faith without trying to rip anyone off ?

  65. Teofila April 5, 2013 at 5:16 am #

    The New York Yankees are the richest baseball club in Major League Baseball and possibly the richest ball club in the world. The team is world millions of dollars and they pay the players very well and are currently building a New Yankee Stadium costing millions and millions of dollars.

    How did the New York Yankees become the richest baseball club in Major League Baseball and what is their success to being financally secured ball club?

  66. Thea April 6, 2013 at 3:16 am #

    I have been asked if I can give some indication of the value of a plot of land which a housing developer wishes to purchase. I am of course aware that this can vary immensely depending on where it is. This is in West Lancashire in an established large village close to Southport. Because of the planning status of the land it will have to be used for “affordable housing” so no big expensive properties will be allowed. I suspect it will be a mixture of town houses and some flats. It is about an acre. Just a guide would be useful at this stage.

  67. Harley April 6, 2013 at 4:47 am #

    USA Especially
    I meant if there was a WW3

  68. Shiloh April 6, 2013 at 5:40 pm #

    I’m doing a project worth 60 percent of my mark in which I have to create a buisness and find a location. I chose Wall street because it is in an area of high importance. I need to find the equivellant to wall street in The lower mainland/vancouver area which employs people at $200 000 a year or more. Any suggestions would be great, thanks.

  69. Danette April 6, 2013 at 6:30 pm #

    worth watching? yes or no
    HAs anyone older than 18 seen it and thought it was funny?

  70. Trina April 6, 2013 at 11:00 pm #

    That is my goal in life. I have very little experience in agriculture. I’m 16. But, I am fairly intelligent.

  71. Verona April 7, 2013 at 3:41 am #

    Since I was about 7, i have always had little bumps in my bottom lip . When you pop it this gross gooey stuff come out . Just recently I ate this huge lollieopop and kinda made my mouth sore . Then these little white bumps started appearing on my tounge . I think it might be the lolliepop or , i also kissed my boyfriend for the first time . It might be that to… Should I be worried ?
    ( I’m 12 by the way )

  72. Allen April 7, 2013 at 7:11 am #

    How do the classroom activities provided for children who seem awkward when they walk or have difficulty balancing??

    Its a question for my child development class, but i dont know how to answer please help!!

  73. Micheal April 7, 2013 at 10:49 am #

    Do you feel india is a great country? this question is only for non-indians.

  74. Phil April 8, 2013 at 9:44 pm #

    “If you cannot get rid of the family skeleton, you may as well make it dance.”

  75. Claudio April 9, 2013 at 2:39 am #

    Horse Power is still a terminology used in science and engineering.
    All domesticated animals have helped mankind during his exploration.
    Donkeys carried GRT(Gross Registered Tonnage) or NRT(Net Registered Tonnage).
    Dogs have helped in sniffing.
    Bulls have also given their shoulders.
    How did horses get their acclaim from their masters?
    The horses get free liquors too – favorite drink is Rum.
    So highly pampered animal is horse but how about downtrodden animals?

  76. Leonel April 9, 2013 at 8:15 am #

    I’ve been studying A LOT… dedicating my time and efforts on doing some scientific project… about health and social networks (how they can improve and be worth living for the elder people)… However, the brazil’s government doesn’t help at all… neither my project and others I know (as important as mine)… The question is… How about the other countries? Is is better? Worse?

  77. Kathern April 9, 2013 at 8:45 pm #

    I am in need of some liability insurance for my freelance software development work. I am in Tennessee and I am seeking $500,000.00 worth of coverage. Can someone tell me where I can get an instant quote online? Or if there are agents that read this, can you contact me with a quote? I need to get this moving quickly.
    Thanks for the reply. You will have to forgive my ignorance in this matter. I did not know I needed general liability first. I honestly don’t know the difference between general and professional.

    The amount I need was set by my client. If it were up to me, I wouldn’t carry any. When you say I can get a policy with both attached and they usually start at $2500, is that per year? Or a one time deal?

  78. Shin April 10, 2013 at 1:08 am #

    I am thinking to become a massage therapist. But I heard from several people that people quit their massage therapist job after few years. I wonder what reasons…?
    Thank you so much for your replies. I am going to see several schools tomorrow, wish me a good luck on those meetings and decisions pls:)

  79. Jeramy April 10, 2013 at 3:46 pm #

    hi. im sick of living with my mom. she makes me miserable and i cry almost everyday and i’m just so sick of living with her. she says i can live with my dad but he lives about 30 minutes away from me and i wouldn’t be able to go to my same school if i move. and he smokes and that’s kinda gross (my clothes smell like smoke when i come home from his house) but i get along wayy better with my stepmom and my dad than i do w/ mom and stepdad. please help
    thanks :]

  80. Shin April 10, 2013 at 9:45 pm #

    is a clothes or merchadise shop the same as a small business (service business)? If so what is the difference and can u give me some examples of small businesses? please

  81. Norine April 11, 2013 at 10:42 am #

    My hairless male rat has a black/brown lump under his throat. It’s a recent development. I only discovered it yesterday, and it was only a little brown…today the brownish/blackish area has spread and is much larger. It does not look like a tumor and his activity, eating, playing, and drinking has not changed. Please help…I’m so worried about him!!

    here are some pictures of it:

  82. Cassondra April 12, 2013 at 5:45 am #

    There is a touring exhibition of preserved, actual human bodies. This is an unique educational opportunity to learn about the human body, and it’s even recommended for children (since they don’t know they should be freaking out! lol).

    Would you go see this if it were a reasonable distance from you?

    Isobel, I hadn’t heard that. They had someone on Bob and Tom from this exhibit, then I just googled their website.

  83. Raymond April 12, 2013 at 5:45 am #

    Is Russia and China helping Iran’s Economy

  84. Virgil April 12, 2013 at 8:49 am #

    someone please help me with these questions?

    D1 – Describe the expected stage of social development of children aged 4 years.

    D2 – Describe the expected stage of social development of children aged 5 years.

    D3 – Describe ONE suitable method of observing and recording the social development of children aged 5 years.

    D4 – Explain ONE advantage and ONE disadvantage of this method of observing children.

    D5 – Identify the main influences that may affect the social development of children.

    D6 – Describe how snack and mealtimes can support the social development of children.

    C – Identify the possible effects of transitions on the development of children.

    B1 – Describe ways the practitioner can support children through transitions.

    B2 – Explain how observations can be used to support the development of children.

    A – Explain why it is important for practitioners to understand the pattern of development of children from birth to 16 years.

    A* – Reflect on the reasons why everyday care routines are important in early years group settings.

  85. Alden April 12, 2013 at 12:13 pm #

    Evaluate how the out of school clubs support practice within Early Years settings

  86. Gil April 13, 2013 at 2:14 am #

    I am writing an essay comparing banking in the UK to banking in Latin America. Do you know of anything unusal in the Latin American banking policies, or rules of investment or anything along those lines.

    I’m finding the research difficult and haven’t found anything solid yet!


  87. Raymond April 13, 2013 at 5:56 pm #

    I have owned and lived in my town house now for 2 and a half years. I have an opportunity to invest in a new home, so I have been considering renting out the home I already own to live in the new house. This is completely new to me and I’ve heard that tax wise I am setting myself up for a disaster. I’m told by my accountant that as soon as I make my home a rental, it changes the value to what the market currently says it is worth (which is obviously much less than what I bought it for 2.5 years ago). Can this be true? Unless I actually call an appraiser out, how could I possibly be changing the value of my home just because I’m renting it? I am also told that I can’t write off both mortgages at the same time. Can anybody who knows California rental tax laws please contact me? I’m having trouble finding info on my own. Thanks!

  88. Nestor April 14, 2013 at 12:07 am #

    Which one of the two is better to drink when trying to lose weight (mainly belly fat)?

  89. Shin April 14, 2013 at 12:48 am #

    I have worked in the field for many years and made 2 men very wealthy. I have basicly ran their business and yet i only got small % of profit. im now looking to be on my own, and i have client base and everything else i need execpt a small financial problem. banks wont work with me b/c now my income and my credit doesnt support the $ I need. any ideas?? know someone that has extra $$ to invest? LOL

  90. Elbert April 14, 2013 at 5:37 am #

    I left my high paying job to parter up with an Ex-Employee of the company. He started his own website development company and i was doing freelance work with him on a job by job basis. When we discussed the terms he agreed to split the jobs with me 50/50. So if he sold a website for 2k, i would get 1k for building the website. The first few jobs went fine, and i got the money i expected to get from them. After i quit my full time job to work with him full time, the job values dropped dramaticly. His excuse was “this customer does not have much money so this job isnt worth much”, but this became the case for EVERY job.

    He began paying me just 10% of the job value. I did all the hard work of designing, building, and supporting the sites, all he did was make the sales.

    As a result of this i have now lost my flat, and my income and can now barely afford to live, after he had made a gross profit off my back, he then stopped giving me work, but kept pretending like ‘more jobs were on the way’, after i had finished existing work he then cut all contact with me. He gave me no notice at all.

    We also agreed that if he wanted to offer his customers a year’s hosting for free, he can host the sites on my server for free for the first year providing the second year i got a 50% cut of the hosting money. Just before the end of the first year he got his own server and demanded i migrate his sites across to that server, if i didnt he would cut off all work.

    So in short the agreements he broke were:

    We went 50 / 50 on each job, he only paid me 10% on average for the work, 20% at the very most on difficult jobs.

    I would provide him free hosting for the first year, as long as i got a 50% cut of the hosting money for the second year.

    I know he was paying me well below what he should have, i did suspect it for a while but had no proof until an employee of his sent me a CSV containing a list of all the jobs i had worked on, what he sold them for and what he paid me for it.

    All agreements were made verbally, and there is no way he could have mis-understood the agreement, it was crystal clear. Can i sue him and recover the money i should have been paid for the work i did, i have lost upwards of ÂŁ20,000 in one year because of his greedy ass…
    We are both based in the UK
    @Mitch Thank you for your answer, how do i go about getting the ball rolling, is this a small claims court thing or do i have to go higher then that?

  91. Odell April 14, 2013 at 10:58 am #

    and if so, what did you think, was it worth the time and $$$.

    if not, did you go to the movies this weekend, what did you see?
    Thanks for the headsup “18M” grossed…

  92. Lashonda April 14, 2013 at 11:33 pm #

    I hear about Bangladesh, tragedy, ….ect. ect. but when did this happen? Recently?? And what was this tragedy?

  93. Sherika April 16, 2013 at 5:28 am #

    He accepted the New Deal programs and even expanded those covering labor, Social Security, and agriculture. Although he cut the budget of the Tennessee Valley Authority and reduced federal activity and regulations regarding natural resources, Eisenhower championed the nation’s largest road-building project (the Federal Aid Highway Act of 1956) and federal development of the Saint Lawrence Seaway. He also approved spending increases in health care. Fiscally, Eisenhower cut taxes and controls, and each year balanced or nearly balanced the budget. The nation’s gross national product, personal income, and house purchases all climbed. Inflation proved negligible, averaging 1.5 percent per year. Fundamental to Eisenhower’s public philosophy was his belief that only a sound economy could sustain a credible, effective foreign policy.

  94. Trina April 17, 2013 at 12:41 am #

    I saw an comerical the other day describing that children can learn faster if they are introduced to a foriegn situation like reading and it helps their brain and some other wierd things like that. The bike says ages 5 and up is this bad or good. I am a first time father can anyone help

  95. Hoa April 18, 2013 at 6:28 am #


    i really could care less if you agree with me . . .
    and if you dont agree with me that is AWESOME
    because my teacher wants me to have a topic a lot of people disagree with me on YAY!




  96. Lue April 19, 2013 at 7:23 am #

    what toys are good for xmas and are worthwhile for a long time for a 8 month old boy who will be 10 months on xmas??? I am going to get him the fisher price activity walker but what else that is worth the $??
    I have the gooble and go hippo and the drop and roll a rounds dinosaur
    toys that assist motor skills would be great

  97. Martin May 7, 2013 at 2:30 am #

    My adult daughter received a DUI driving MY Car. She drove through a restaurant. (no one was there as it was closed) The first damage report came in at $20,000 and my insurance was going to pay it. I have coverage up to $100,000. However, the city did not accept the repair, and is requiring the restaurant to rebuild the entire side of the building to meet new codes. They have acquired an attorney. My insurance suggested I get an attorney. I do NOT have an umbrella policy.
    My daughter has no monies if they choose to sue her. However, I have been told that I might be sued, as it was my car she was driving. (Yes, she has had other DUIs in her past)
    ANY suggestions at all regarding my home, my finances, or possible ramifications to ME for this accident?? Serious help only, please….no snide comments.
    I currently reside in South Carolina.

  98. Scottie May 18, 2013 at 12:06 pm #

    As the title says, he’s got a surface wound, its towards the middle of his back left canon bone and he’s quite sore on it. He’s not lame with it but he definitely feels it. Its about the size of a 50pence coin.
    I’ve got some equine dermaline on it as it was recommended to me by a friend, what else is there I could use to ensure it heals quickly and healthily? Will I need to get the vet out?

  99. Marinda June 8, 2013 at 8:20 pm #

    I’ll be selling my house next year, after the kids graduate, move out and take their clutter with them. I’m using this year to get the house ready for sale. I’ll be removing wallpaper, painting, getting rid of stuff, etc. I’ve also started doing some repairs, like new pool liner/pool fence, new furnace, and other stuff. I’m in an extremely desirable school district and in a good location near a park and an elementary school. Our real estate market is ok.

    My house has a few negatives, like carpets instead of hardwood floors and a floorplan with some problems. I plan to hire a home inspector in a few months to give it a once over, and let me know if there’s anything that should be fixed before the house is listed. I expect that my house will be priced about $100,000 lower than the other houses in my neighborhood due to the negatives.

    I’ve started keeping track of houses in my expected price range and their realtors. I will want someone to price the house fairly in the first place, not to underprice it for a quick sale or overprice it to get the listing by giving me unreasonable expectations. I’d also like a realtor who would walk in and tell me honestly if I’m missing something that would help it sell for a fair price.

    I’m also starting to shop for my next home to down-size. However, I still don’t have any idea whether I should (1) move into an existing condo and fix it up, (2) buy a condo under construction and get what I want, (3) build a small ranch, or (4) move out of the area to a retiree haven that might be cheaper. I’ll be using the next few months to research and try to narrow down my downsizing options.

    My questions are — when do I reach out to talk to a realtor? Only when I’m ready to list, or a few months before? Do you recommend working with the same realtor for selling & as a possible buyer’s agent? Should I be going to open houses to meet realtors and try to find someone I like?

    I’m actually terrified about this process. I’ve lived in this house for almost 30 years, and moving seems overwhelming (I’m also a new widow). Any tips for Sellers? Thank you!
    Wonderful and helpful advice, Christin! I’m in early 60s, and the mortgage will be paid this year. My downsized retirement home will be paid for in cash. I could buy that home while my current one is on the market, if i found the perffect place. My current home is way too much for one person. Paying for the lawn service, pool costs, plow guy, taxes and other maintenance costs are substantially more than condo fees or maintenance on a smaller home (I have more than an acre). I plan on buying a home that will fit into my retirement budget whether I get laid off tomorrow or work until 66. I expect to net a little money from the sale of the family home to add to my retirement.

  100. Regena July 8, 2013 at 11:06 am #

    Some body is selling me a friendly’s that does little over a million in sales and is asking $375,000 that has $184,000 rent/yr.Is it easy to run that kinda restaurants and how much can i expect to make.Is this price reasonable?

  101. Marcellus July 30, 2013 at 10:47 am #

    Also how can you win tenders since you have no history in completed projects?
    How do construction companies make profit?

  102. Hobert August 14, 2013 at 2:30 am #

    I’ve been required to buy a transverse flute, but I know very little about them.
    I’m really just a beginner, but should I buy an open flute or a closed flute? It sounds to me that it’s better to buy an open one, so you can get the hard part right off and you don’t have to buy the open flute later on. What are some good brands, good materials for it, and what is the average price?
    When I buy my flute, do I put it together or does my teacher show me how to put it together? Could you give me any info on care and maintenance?
    Also, does anyone know any good music stores in Ottawa, Canada, Washington, U.S, Bogota, Colombia, or Nairobi, Kenya?
    Is there anything else that I need to know? Thanks tons!

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