PDF Presentation – How To Create It?

Adobe developed portable document format to help make sure that the documents created and sent by you can be viewed exactly in the same by a receiver. The intention was to help receivers view a PDF document as it is when received from a sender. It is important that the receivers are able to view the content exactly the way the creator had prepared it because even minor details can create problems.

It can be very frustrating when you see a created a file not displaying the content the way it had been created. This is quite common when receivers open a document, size, font and other elements go haywire. To make sure that your documents are secure and safe from a third party, you can convert word to PDF to aptly present content in your presentation. However, the question is how you can create PDF presentation? Read the article further to learn more on that.

There are some of the methods available to take a presentation that has been pre-written and produced in portable document format version. This should be your concern that the process is taken only as a last step. It is better to determine in advance if the system and software you are using are capable enough to create a PDF version.

The Apple Macintosh can be given consideration. When a Mac with OS X is in use, you could create PDF versions of almost anything that could be sent to a printer. The Mac OS has in-built support for PDF documents and files. Once you select Print from the File menu in a Macintosh environment, you would be able to see a button that has support for a variety of PostScript related tasks and activities. Now, you may save the document as PDF instead of printing it in actuality. For all purposes, the software is actually printing into a PDF rather than a laser printer.

There are various applications or programs that have in-built support to create files in PDF. However, Microsoft Office 2003 version does not have the capability. StarOffice version 7 and the ones introduced later offer PDF export function from the File menu.

If using a Microsoft operating system and the software in use does not support direct export of PDF documents, other options are available. 123File Convert offers extended capabilities like automatic conversion of all the sets of files from word to PDF and vice-versa.

Sellers Completely Control Which Short Sale Offers Get Presented to Lender (Or Not) – Surprised?

In the course of my speaking to and networking with short sale practitioners in numerous markets across the nation I regularly encounter those who have a completely false impression with respect to who owes which duties to whom in the course of a short sale transaction. More specifically, many agents (both on the selling and buying sides of transactions) erroneously think that ALL short sale offers must be presented to lenders – nothing could be further from the truth!

While all real estate law is subject to individual State legislation and interpretation, and while several areas of law come into play in the course of a real estate transaction (e.g.: contract law, agency law, etc.) there are general principles and practices that can be said to apply. Generally speaking, the laws work like this:

· The listing agent for a property owes their fiduciary duties (care, confidentiality, obedience, accountability, loyalty, and disclosure) to the principal/client, who is virtually always the OWNER of the property.

· ALL offers must be presented to the OWNER of the property.

· The OWNER decides which offer(s) to accept, reject, or counter, based solely on the OWNER’S personal criteria, which may, or may not be price (e.g.: A fast sale may be more important to the owner than a top dollar sale.Similarly, a cash, “as-is” offer may be perceived by the owner to be a better bet than a higher priced offer that has to go through financing and inspection approvals).

For some reason, I find that a very large number of practitioners treat Short Sale transactions as if they were already REO transactions. Such confusion leads to wrong decisions with respect to the presentation of offers, and complicates and prolongs an all too often already complicated and time consuming process. Given these general principles, and in order to answer the question of whether all offers must be presented to a short sale lender, let’s explore the differences between Short Sale and REO/Bank Owned transactions

In an REO transaction the lender has already foreclosed on the property, which means that the LENDER is the OWNER of the property. If we apply the three general principals outlined above to an REO transaction we see that:

· The listing agent for the property owes their fiduciary duties to the LENDER.

· ALL offers must be presented to the LENDER.

· The LENDER decides which offer(s) to accept, reject, or counter, based on the LENDER’S own criteria.

In a Short Sale transaction, while the lender may have initiated the foreclosure process, the BORROWER is still the OWNER of the property. If we apply the three general principals outlined above to a Short Sale transaction we see that:

· The listing agent for the property owes their fiduciary duties to the BORROWER (not the lender).

· ALL offers must be presented to the BORROWER (not the lender).

· The BORROWER (not the lender) decides which offer(s) to accept, reject, or counter, based solely on the BORROWER’S personal criteria, which may, or may not be price (e.g.: In the case of a short sale situation, where interest, fees, and legal costs continue to accrue until the property is sold, a fast sale may be more important to the borrower than a top dollar sale. Similarly, a cash, “as-is” offer may be perceived by the borrower to be a better bet than a higher priced offer that has to go through financing and inspection approvals).

Clearly, in the case of a Short Sale, the agent works for the borrower and the borrower makes the decisions as to which offer(s) to accept, reject, or counter. Once a decision to accept an offer is made by the BORROWER, only then is the offer forwarded to the lender. The transaction proceeds as does any other with respect to subsequent offers that may come in – once an offer is accepted, the borrower is “under contract” (subject to third party approval by the lender) and they do not continue to entertain offers. Yes, they may accept an offer as a “back-up,” but a back-up offer only comes into play when/if the initially accepted offer falls apart, and only then would it be forwarded to the lender.

The lender is merely a third party “approver” of the transaction – they are not “a party to” the transaction. This is an important distinction! The lender simply has the right to reject, or accept the offers that the borrower chooses to forward. You must remember that a short sale is a completely voluntary attempt by a borrower to avoid a foreclosure – a borrower does not have to opt for a short sale. That being the case, if a borrower is under no obligation to even attempt a short sale, how in the world could it be said that a lender has a right to be presented an offer?

Now that you understand the borrower’s obligation to present offers vis-à-vis the lender, let’s shift gears and specifically focus on the short sale listing agent by first asking some questions about the general obligations of real estate agents to their clients, and then extrapolating the answers to short sale agents specifically.

Generally speaking, would it ever be tolerated for the agent of a client to act AGAINST the best interests of that client? Would it ever be tolerated for the agent of a client to act on behalf of a party who was acting expressly AGAINST the interests of their client? The answers of course are that, “Such acts would never be tolerated!”

That said, how could it be possible for the agent of a borrower to be compelled to work for the lender? Isn’t the lender working for THEIR OWN best interests, and not those of the borrower?

Clearly, the lender is working for their own best interests, which are directly adverse to the borrower’s interests (after all, the lender is either in the process of, or threatening to foreclose on the borrower’s property, which is about as adverse a situation as there is). Given the nature of an agent’s fiduciary duties to their clients, the agent for a borrower MUST do all that is legally within the scope of their representation to PROTECT the borrower from the lender and to advocate on behalf of the BORROWER’S position, not the position of the lender. There is nothing wrong with this – this is exactly what an agent is hired to do!

Now that it’s been explained to you, doesn’t it make sense?

Do you see how you have been mistaken if you thought that all short sale offers had to be presented to the lender? If you are a listing agent, do you see how presenting all short sale offers to the lenders could constitute a breach of your fiduciary duties to your clients? If you are a buyer’s agent, do you see that you have absolutely no right whatsoever to DEMAND that your buyers’ short sale offers be presented to lenders?

The bottom line is this: A borrower has no obligation to present all short sale offers to a lender, which means that a borrower’s agent has no obligation to present all short sale offers to a lender, which means that a buyer’s agent has no right to demand their short sale offer be presented to the lender. To transact under any other premise is to misunderstand the process completely.

If Arsenic Drinking Water Contamination Is Present – Use A Home Water Purifier

Arsenic drinking water contamination is a problem that has received a lot of attention recently. Recent studies have shown that exposure to even moderate levels of the poisonous metalloid greatly increases a person’s risk of heart disease. Here are some FAQs about the subject.

Why Is Arsenic In Water?

In some cases, it is naturally present in groundwater because of underground mineral and metal deposits. It is an element of volcanic ash, which means that surface water may be contaminated with it as well.

In fact, there is so much of the metalloid in our waters that the most common source of exposure is through eating seafood. Like mercury and other contaminants, arsenic-traces build up in the tissues and organs of fish and seafood. They build up in our bodies, too.

The compound is also found in wood preservatives, rubber, insecticides, fungicides and anti-bacterial agents. It is commonly added to animal food to prevent disease and stimulate growth. For example, about 70% of all chickens grown in the US are fed roxarsone, an arsenic-derivative.

Compounds derived from it are used in medicines, traces of which end up in our waters. It is sometimes present in plumbing fixtures and as the fixtures degrade, the poison is released into the tap-water.

To think that some amount of the poison would not be present in our freshwater and our homes is naïve. It’s everywhere.

What are the Risks of Exposure?

At high doses, it causes death. It’s a poison. Symptoms of poisoning include headache, vomiting, diarrhea, confusion and convulsions.

Contact with pesticides containing it can cause brain damage. When it becomes airborne and is inhaled, it irritates the lungs.

Consumption of small amounts over the course of one’s life increases the risk of high blood pressure and heart disease. The same is true of the heavy metal lead. The long-term risks of exposure to the two are similar.

In areas where there is known to be arsenic in water supplies, the cancer rate is higher. The World Health Organization has estimated that some 57 million people are at risk, because the amount present in their drinking water is higher than 10 parts per billion, an accepted standard for safety. Other estimates say the number of people affected is closer to 80 million.

A study conducted in Wisconsin, where the natural concentration is relatively high, showed that exposure to the compound was accompanied by an increased risk of skin cancer, even at levels below 10 parts per billion. An increased risk of bladder cancer is also associated with consumption.

The concentration of arsenic in water commonly found in the US suppresses immune system function, making people more susceptible to viruses and other kinds of infections.

What Can We Do to Protect Our Families?

If poisoning is suspected, one should see a doctor immediately. Chelation therapy can remove the metalloid from the body.