Arizona’s anti-deficiency statue prohibits a lender from recovering against borrowers assets, such as automobiles and bank accounts, after the lender forecloses on the borrower’s residence. However, the type of loan and type of residence are key factors in determining whether this statute applies.

The requirements under the new law are as follows: single family homes or duplexes on 2.5 acres or less; must be utilized for dwelling purposes (occupied or partially occupied); and construction has to be completed on the property (not under construction). If the requirements do not meet the above standards then the property does not qualify under the anti-deficiency statue.

As for the dwelling, the home must reside on 2.5 acres or less and either a single family home or multi-plex property. It has to be a “primary” residence or at least lived in by the original owner for a period of at least 6 months. Since the law requires some form of occupancy that mean the law does not apply to homes under construction. That means there will have to be a “Certificate of Occupancy” attached to the home.

Let’s talk about “recourse” loans verses “non-recourse” loans. A loan is “recourse” if the borrower or homeowner is personally liable for the entire amount due even after the home is foreclosed. A lender can pursue for the deficiency after foreclosure including a judgment or a lawsuit.

The other factor addressed in the Arizona anti-deficiency status is the type of loan. Loans are weighed as “recourse” or “non-recourse”. If the homeowner or investor is responsible for the entire debt or lien after a trustee sale, this would be considered a “recourse” loan. The banks could then pursue several avenues against the homeowner to recoup the debt.

Purchase Money loans are usually “non-recourse” loans. Purchase Money loans are your primary or first position liens or loans that were originated at the time the home first closed escrow and was secured by a Deed of Trust.

Some types of “recourse” liens or loans might be a Home Equity line of credit. Possibly a second position loan when the borrower received a loan for a pool. Usually second position loans use your home as collateral and were applied for by the borrower after they first purchased the home. They closed escrow originally and then at a later date borrowed money for home improvements, vacations, etc. The bank or lender then has “recourse” to pursue the homeowner for the unpaid lien through a judgment or lawsuit.

Under the Arizona anti deficiency laws, the lender on the purchase money loan would have no recourse other than to take back the property. The lender who has the second position home equity line of credit could and usually does enter into judgment and possibly lawsuits against the homeowner.

Technorati Tags: blog, finance, foreclosure, homes, leasing, loans, mortgage, Real Estate

Knowing some initial steps to take prior to an Arizona Trustee Sale will lower your risks dramatically. You have an opportunity to buy a home with immediate equity which is a huge benefit that can outweigh the risks and possible ramifications.

There are several types of liens that can show on title of a property. First you have the mortgage liens, possibly 1st and 2nd mortgages. There could also be property tax liens, mechanic liens and IRS liens. Be sure you research all title history before bidding on a home at the Trustee Sale. If there is a lien that you’ve overlooked you will be responsible for it along with the mortgage liens.

Researching a chain of title to determine your lien position, as well as any liens that are not extinguished at the trustee sale, such as property tax and IRS liens are crucial. Once you’ve established your position and are comfortable with the existing liens that are valid, you can move forward to the next step.

Remember you are buying the property in an “As-Is” condition. There will be no inspection periods, no termite inspections, no home or seller warranties and no title insurance.

Once you win a Trustee Sale bid, there are financial requirements. First you must place an earnest deposit in the amount of $10,000 with a cashier’s check to the trustee. You also must have the remaining funds to pay the note in full within 24 hours after you win the bid. Failure to close the transaction the following day you will automatically lose your earnest deposit and possibly face additional legal ramifications.

There is really only two ways to obtain the cash needed to purchase the property. You either have the cash in the bank or you will have to use a hard money lender. Hard money lenders charge high fees and interest rates but the loan is usually for a 30 day time frame and then you can refinance at that time. Keep in mind you will need an additional down payment when you refinance the home.

Most homes that you purchase at the Trustee sale will need at least paint, carpet and miscellaneous repairs. However, when purchasing at the Trustee sale you are buying a property for under today’s market value and have already calculated the potential work that needs to bring the home up to standard.

A buyer at a Trustee sale will never pay more than 70 percent of market value. A conventional mortgage will only loan 80 percent of the value in a refinance.

Technorati Tags: blog, finance, foreclosure, homes, leasing, loans, mortgage, Real Estate

When the government enacted some new rules about who is entitled to hire an appraiser to complete a market analysis on a property, there were many ramifications that were not initially considered. Now Fannie Mae and Freddie Mac have some mandatory guidelines, which again will have some positive and negative impact on the real estate housing market.

Appraisers have been appraising properties of late without reviewing the purchase contract. This is now a new requirement for the appraisal companies. Any contracts and/or addendums associated with an offer on a home MUST be handed over to the appraisal company prior to completion of the appraiser. Any changes to these contract and/or addendums must also be provided to the appraiser prior to the final results of the comparative market analysis. Do you think this might put another delay on the timeline to close a transaction?

Portions of a parcel may no longer be appraised. The current guideline states the appraised value must be for the entire parcel.

REO and foreclosed properties MUST be included as comparable properties. Previous guidelines allowed the appraiser to exclude these numbers.

When information about values within a neighborhood is provided by someone who has a financial interest in the transaction, the appraiser must verify this information with a third party who is “arms-length” from the transaction. One would think this would be common sense.

Any structural defects or abnormal repairs found with a property must be corrected before an appraisal company finalizes the market value of a home or parcel. FHA created the 203K loan to address these concerns.

Supervisory authorities can no longer sign off on completed appraisals without reviewing the subject property themselves. The supervising appraiser has to personally review the property before agreeing to sign off on an appraisal completed by one of their employees.

The revised Home Valuation Code of Conduct applies many changes within the industry and was meant to stop improper influencing of values as well as protect the consumer. These changes although somewhat positive will most likely add additional delays to the transaction.

Technorati Tags: blog, finance, foreclosure, homes, leasing, loans, mortgage, Real Estate

Arizona’s anti-deficiency statue goes into effect September 30, 2009. The Federal Law prohibits lenders from recovering assets against borrowers, such as autos and bank accounts, after the lender forecloses on the borrower’s property. There are key requirements that apply, to fall under this new statue.

The requirements under the new law are as follows: single family homes or duplexes on 2.5 acres or less; must be utilized for dwelling purposes (occupied or partially occupied); and construction has to be completed on the property (not under construction). If the requirements do not meet the above standards then the property does not qualify under the anti-deficiency statue.

Investment properties have to be occupied by the person on title for a minimum of 6 months to qualify under the anti-deficiency statue. In other words the investor would not be liable for any deficiency arising out of the foreclosure or trustee sale. The banks or lien holders could not look for additional assets to satisfy the remaining debt after the trustee sale is complete.

Let’s talk about “recourse” loans verses “non-recourse” loans. A loan is “recourse” if the borrower or homeowner is personally liable for the entire amount due even after the home is foreclosed. A lender can pursue for the deficiency after foreclosure including a judgment or a lawsuit.

The other factor addressed in the Arizona anti-deficiency status is the type of loan. Loans are weighed as “recourse” or “non-recourse”. If the homeowner or investor is responsible for the entire debt or lien after a trustee sale, this would be considered a “recourse” loan. The banks could then pursue several avenues against the homeowner to recoup the debt.

Typically, a first position “purchase money” loan is a non-recourse loan. In English, this means the loan on the home was originated at the time the home was purchased and the property was secured by a deed of trust.

An example of a recourse loan would be a home equity line of credit. The home was used as collateral but the loan was not originated when the borrower purchased the home.

A good analogy of a “recourse” loan would be a line of credit from the bank. The bank loaned the homeowner money and used their home as collateral. This loan was acquired AFTER a Deed of Trust was initially established. Therefore the bank could pursue a judgment or lawsuit against the homeowner. One of the main reasons this law was re-addressed after being in effect since 1990, was the 2nd mortgages that were being borrowed by the homeowners and the today’s market value on a home is substantially less than what is owned of the 1st mortgage, meaning the 2nd is not getting a dime in return.

Technorati Tags: blog, finance, foreclosure, homes, leasing, loans, mortgage, Real Estate

There are a number of ways in which to commute to San Francisco during the workweek. These include commuter bus, bicycle, ferry and, of course, your car. To many people, one of the most impressive sights during their commute is the truly spectacular Golden Gate Bridge. A tidbit of information about the bridge is that when it was built in 1937, the bridge cost $35 million and was financed entirely with bonds issued by the Bank of America.

To most Californians, driving a car is the most agreeable option because one’s travel plans for the day might be more than the actual commute. Maybe a lunch date, or a trip to the gym, and a business meeting are part of your plans for most days. Often, these can be made by taxi or public transportation, such as the bus or a more enjoyable cable car!

According to Motor Vista’s Web site, the year 2000 Census figures provide information that “84% of all commuters in Tiburon ride in a car and those who commute from Tiburon typically spend thirty to thirty-four minutes getting to work.” Amazingly, of the estimated 4,179 workers living in Tiburon, a staggering 86% drove to work alone, which meant they couldn’t travel in the HOV lane to shorten their trips. Nowadays, some driving hybrid vehicles are allowed in the HOV lanes. FastTrak devices make the trip over the Golden Gate Bridge go faster. When your account runs out, it is replenished automatically.

Except for a chauffeured limousine, the Golden Gate Transit offers what is probably the most attractive option ” not driving, but instead riding to work in an air-conditioned bus. While far from glamorous, these conveyances are quite dependable and have restrooms aboard.

From Monday through Friday, Golden Gate Transit provides two buses from Tiburon & Main to 8th & Folsom in San Francisco. The first one departs Tiburon at 6:32 am and arrives in San Francisco at 7:36 am and the second one departs at 7:23 am and arrives at 8:34 am. Perhaps the only worry you might have during the heavy part of rush hour is whether you’ll be able to find a seat. To find the schedules, simply Google Golden Gate Transit.

Some would argue that the ferry is the most pleasant way to go. Tiburon is served by the Blue and Gold Fleet. The ferry sails to the San Francisco Financial District via San Francisco Bay. The trip takes about 15-20 minutes and is quite enjoyable. There is coffee service in the morning and cocktails in the evening. For see the schedule, just Google “Blue and Gold Fleet” or call (415) 705-8200.

On your return, be sure to distinguish between the boats leaving from the Ferry Building at the Embarcadero and those leaving from Pier 41 (Fisherman’s Wharf). The F streetcars travel between the two landings, if you make a mistake.

The Embarcadero ferry terminal for Tiburon is next to the North end of the Ferry Building. The line for the Tiburon boat forms inside the metal doors. Just remember to get on the boat with the “Tiburon” placard, usually the M.V. Zelinsky. (Information courtesy of Boat Etiquette)

For those adventurous Tiburon bicyclists, the trip to the City’s financial district can be shortened if you are a highly competitive cyclist. A comprehensive map of the bike path of the 22.3 mile trip may be found on the Web site www.bikely.com. But, remember, safety comes first!

Technorati Tags: california, f, finance, i, marin county california, r, Real Estate, real;estate, san francisco bay area, t, tiburon california, travel

Foreclosure homes for sale have a lot stored within themselves, only if the decision to buy them has been taken with utmost care. These houses will come to you in a package deal, full of happiness and profits. The house would not require anything more than a little attention and renovation from your side to yield profits for you. The house has everything stored in for you.

If you are planning to take advantage of the Foreclosure Homes for Sale, then be prepared for a lot of advantages at a given time:

Low Cost: The houses will come to you at a very low cost. They would give you a discount of at least 10-40% from the average market price. For example, if the worth of the foreclosed property is $100,000 then you might be able to get it for $60,000 approximately. The low cost s not n indicator that there is something wrong but just that the bank wants the property to be sold for money as quickly as possible.

Build your equity: If you are buying the property you are defiantly adding it to your equity. Now this simply means that you are buying something for less but you are building your equity for more. For example: you bought the property for $70,000 which was originally for 100,000 and got a loan from the bank for $50,000, this means that you paid $20,000 and got an equity share in the property for $50,000.

Bargain at the closing cost: the banks or the government are usually in a hurry to get rid of these properties and therefore get listed as Foreclosure Homes for Sale, to start with the proceedings fast. Now, since these institutions are in a hurry to close the deal, they even bargain on the closing of the house and agree to pay from their end as they require the money from the sale of the house to put them is circulation.

Immediate possession: since these houses take a little time for the auction proceedings and all, it does not take much of time for the papers to get transferred on your name and you to get the possession of the property.

Technorati Tags: business;finance, buy foreclosures, c, cheap homes for sale, f, find foreclosures, Foreclosure homes for sale, foreclosure properties, government foreclosures, h, homes for sale, house foreclosures, houses for sale, Real Estate, real estate foreclosures, real;estate

For quite a while investors have been using their money to purchase some stock or other. Those who knew how to handle money were moving from one investment to the next quite quickly that those who were still new were left at a loss wondering how, when and where to do their investing. Investing in commercial real estates just like investing in anything else is not meant for everyone. It requires vision and quite a bit more money to invest initially. However, investing in real estate for commercial reasons might require more than vision and money, it also needs economic forecasting and no doubt, some luck.

Investing in commercial real estates however, can only happen in areas that are in reality development ready. It makes very little sense to invest in a shopping mall whose stores are still empty. Why should one purchase a hotel if there are no people who live within the town or visit the town?

Among the safest commercial real estate investments (you heard it here first) is a building apartment, condo or a multi-family home. These are the options that will still be available for use in harsh economics times as well.

Prior to making any commitment in commercial real estate, whether an investor is personally funding the property or not, it is important to think about both the capital, breaking even and the profits the business will yield.

If you have never ventured in investing or property ownership, commercial real estate is unsuitable for you. You might want to take investment and real estate courses before making any investment. This way, you can learn the related terminology and any new developments in the commercial real estate field.

Commercial real estate investing is certainly not a one size fits all plan for wealth. There are some areas that are going to be prime for multi-family home properties or that can actually bear a new shopping mall. The need for affordable housing will always be present, making apartment buildings a good consideration if you can find one at the right price within the area.

After you find the right property, consider its condition at the point of sale and how much time and money you will have to invest to get it to profitability. Remember, commercial real estate investing will be about more than just investing money- you will invest time and sometimes labor as well.

Buying a distressed building and rehabbing it to livable conditions opens up that many more units to the area and can increase your profit margin, provided that you will be able to rent the majority of the building out.

Purchasing multi-family houses as an investment, might be better as compared to purchasing large apartments. However, tenant rates have to be reasonably priced. For instance, purchasing duplexes that just mortgage like the single family homes and renting them to two different tenants is a good idea. This means that one can pay for the mortgage amounts and the remaining will cover improvements, pay for the loan faster or keep it in an account that bears interest.

Not everyone is cut out for investing in commercial property. For the quick investor, the pay offs do not come quickly enough. For those who are more careful, the insecurity and variability of the property market may be a bit too risky for them to consider. The risk is however reduced if a careful research is conducted on the area and if its potential is analysed.

Purchasing some multi family homes that are well maintained in a middle class level is not a bad idea. However, purchasing a hotel in an area that is not economically viable is not a very good idea when it comes to investing in commercial property.

Technorati Tags: american real estate, commercial property, discounted real estate, foreclosure, passive income, property investing, property investment club, Real Estate, real estate investing, real estate portfolio building, reo owned, tax lien, wholesale real estate

Source of Light East Africa: Class V Faith
I’m talking about the Gauley River in West Virginia. For most of the year, the Gauley is a very nondescript quiet river; that is until Gauley Season. Starting in September, the Corp of Engineers begins a series of controlled releases through … There are huge undercut boulders that the river flows under where you can be sucked in and drown (that’s where I fell in!) And once you’re in the raft, you’re in for the duration. Even if you could get out you’re in the land of …  read more…

The Quiet Pool: Salmon People
I recently read an article on the famous Boldt decision of 1970 which gave seven western native American tribes the right to harvest 50% of the Columbia river salmon. After years of being basically kicked to the curb by the white man this ruling, … I understand their mistrust of the society who took their land and their salmon. They did not invite us here and that makes us invaders. Along with the theft of their land we also introduced disease and alcohol to them. …  read more…

UrbanFlyVentures » RIVER WOES
But I am already slightly behind the eight ball, being the “California Boy” from the land of “Holly-Weird” and while they are very understanding folks, they are categorically non-fishing and can’t fully appreciate why I might derive pleasure from traipsing around the streams and creeks nestled … Unfortunately, the next thing I noticed was the incredible amount of trash strewn along the riverbank and floating in the quiet eddies and pockets between the aquatic weed beds. …  read more…

From Google Blog Search

Bena Vista – One Of The Most Attractive Properties
For more information on the Holiday Property Bond, see ‘About HPB’ (below).

Relaxing on one of the many cafe-terraces that line Puerto Banus marina – sipping a cappuccino that (fo…  read more…

The Beauty Of Chigang Tower Park
The Orient – even the title brings images of mystery and far off, exotic places. In libraries all over the world, pictures – drawn and photographed – show beautiful red fabric decorated with silver a…  read more…

The Best of New Zealand (South Island)
The Best of New Zealand

Click Here!

New Zealand is a magical count…  read more…

From GoArticles.com

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Buffalo River Trail – Boxley to Ponca (Harrison Daily Times)
The upper Buffalo River watershed is just a candy store for hikers: Indian Creek, Hemmed-in Hollow, Cecil Cove, Hawk Hollow along with dozens of others including the amazing Lost Valley. But the longest trail is one we have only begun to appreciate in recent years: the Buffalo River Trail.  read more…

Split vote changes Dayton land master plan designation to commercial along 50 (Mason Valley News)
After a lengthy discussion that featured comments both for and against the proposal, the Lyon County Board of Commissioners Aug. 6 in a vote representing the split opinions, approved a master plan amendment to change property in Dayton between U.S. 50 and River Road from low density residential to commercial.  read more…

Fishing Line: Top Picks (The Sacramento Bee)
AMERICAN RIVER–Striper fishing was about the same as last week, but flows are continuing to drop–under 4,000 cfs now–so fish and fishermen are making some adjustments.  read more…

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Voting Question: someone please help..?
i need to answer as much of these questions if ic an..please help

1. In “A Cub Pilot’s Experience,” Mr. Bixby is portrayed as a very timid, nervous man who is uncertain of the river.

True False

2. Landing at Jones’s plantation was so dangerous that no one was able to do it successfully.

True False

3. At first, Twain didn’t know any of the points on the river.

True False

4. Twain made Bixby so mad that he ran over the steering oar of a trading scow.

True False

5. Twain tried and tried, but he never learned how to steer upstream.

True False

6. The Paul Jones was a small boat, and its pilothouse was dingy and cramped.

True False

7. One of the lessons that Twain learned was that it wasn’t enough to know the points of the river one way only; he had to learn the river both ways.

True False

8. Pilots, as a rule, tended to be truculent and quiet, resentful of company.

True False

9. Mr. Bixby grounded the boat.

True False

10. Mr. Bixby made it over Hat Island Crossing, a very dangerous crossing, without harming the boat or any of the passengers.

True False

Part 2

TRUE OR FALSE. The following true/false statements are based on your reading of Hucklebery Finn.

(Each question is worth one point)
11. In Hucklebery Finn, when Huck describes the Grangerford house, he spends a lot of time discussing a very ornate clock on the mantlepiece.

True False

12. Although Huck doesn’t realize it and is full of nothing but admiration for the Grangerfords’ decor, the reader realizes that the house must be decorated in the worst possible taste.

True False

13. Emmeline Grangerford’s poetry was really very good and Twain does his best to make his readers see this character as a genius.

True False

14. Emmeline’s favorite subject for poetry was always sad and mournful subjects such as death.

True False

15. Emmeline started to decline after she had to spend an inordinate amount of time finding something to rhyme with Richardson.

True False

16. The Grangerford family made a shrine to Emmeline after her death.

True False

17. Huck leaves the Grangerfords because he is getting itchy feet and needs to move on.

True False

18. The river is a very dangerous place for Huck and Jim and offers them no security or peace.

True False

Part 3

TRUE OR FALSE. The following true/false statements are based on “His Grandfather’s Old Ram.”

(Each question is worth one point)
19. About “His Grandfather’s Old Ram,” Twain says that once he got the story down pat, he never had to change it.

True False

20. The purpose of the story “His Grandfather’s Old Ram” is to exhibit certain effects of a bad memory.

True False

Part 4

TRUE OR FALSE. Select True if the statement is true, or False if it is false.

(Each question is worth one point)
21. Mariar Whitaker had a glass eye.

True False

22. The narrator’s Uncle Lem was killed by a hod of bricks falling on him.

True False

23. The story has a consistent story line that you can follow throughout.

True False

24. Readers never really find out what happened to the speaker’s grandfather’s ram.

True False

25. Mark Twain believes that a storyteller should never rely on a book for his story but should tell it from memory.

True False

26. When a speaker reads from a book, it enables him to use the “pause” effectively.

True False

Part 5

TRUE OR FALSE. The following true/false statements are based on “The Buffalo That Climbed a Tree.”

(Each question is worth one point)
27. “In the Buffalo That Climbed a Tree,” the Twain brothers’ mud-wagon broke down about 550 miles outside of St. Joseph.

True False

28. The buffalo hunt ended in disaster because a wounded buffalo chased Bemis and forced him up a tree.

True False

29. One of the excuses that Bemis uses to defend himself is that his horse went crazy.

True False

30. Bemis says that the buffalo ripped off a part of his horse’s tail.

True False

Part 6

TRUE OR FALSE. Select True if the statement is true, or False if it is false.

(Each question is worth one point)
31. Bemis carried his saddle up into the tree with him.

True False

32. Twain believed Bemis’ story.

True False

Part 7

TRUE OR FALSE. The following true/false statements are based on “The Celebrated Jumping Frog of Calaveras County.”

(Each question is worth one point)
33. Leonidas W. Smiley was a personal friend of Twain’s.

True False

34. Jim Smiley was a very lucky man.

True False

35. Despite the fact that it was little more than a nag, Smiley’s horse won a lot of races for him.

True False

36. Andrew Jackson’s greatest talent was that he could grab on to a hind leg and hold on.

True False

37.

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Resolved Question: Examples of Homeric Similes!? help!!?
I need to find a Homeric Simile in this excerpt from the Odyssey:

Epic
from The Odyssey by Homer, translated by Robert Fitzgerald

Two nights, two days, in the solid deep-sea swell
he drifted, many times awaiting death,
until with shining ringlets in the East
the dawn confirmed a third day, breaking clear
over a high and windless sea; and mounting
a rolling wave he caught a glimpse of land.
What a dear welcome thing life seems to children
whose father, in the extremity, recovers
after some weakening and malignant illness:
his pangs are gone, the gods have delivered him.
So dear and welcome to Odysseus
the sight of land, of woodland, on that morning.
It made him swim again, to get a foothold
on solid ground. But when he came in earshot
he heard the trampling roar of sea on rock,
where combers, rising shoreward, thudded down
on the sucking ebb-all sheeted with salt foam.
Here were no coves or harborage or shelter,
only steep headlands, rockfallen reefs and crags.
Odysseus’ knees grew slack, his heart faint,
a heaviness came over him, and he said:
“A cruel turn, this. Never had I thought
to see this land, but Zeus has let me see it-
and let me, too, traverse the Western Ocean-
only to find no exit from these breakers.
Here are sharp rocks off shore, and the sea a smother
rushing around them; rock face rising sheer
from deep water; nowhere could I stand up
on my two feet and fight free of the welter.
No matter how I try it, the surf may throw me
against the cliffside; no good fighting there.
If I swim down the coast, outside the breakers,
I may find shelving shore and quiet water-
but what if another gale comes on to blow?
Then I go cursing out to sea once more.
Or then again, some shark of Amphitritê’s
may hunt me, sent by the genius of the deep.
I know how he who makes earth tremble hates me.”
During this meditation a heavy surge
was taking him, in fact, straight on the rocks.
He had been flayed there, and his bones broken,
had not gray-eyed Athena instructed him:
he gripped a rock-ledge with both hands in passing
and held on, groaning, as the surge went by,
to keep clear of its breaking. Then the backwash
hit him, ripping him under and far out.
An octopus, when you drag one from his chamber,
comes up with suckers full of tiny stones:
Odysseus left the skin of his great hands
torn on that rock-ledge as the wave submerged him.
And now at last Odysseus would have perished,
battered inhumanly, but he had the gift
of self-possession from gray-eyed Athena.
So, when the backwash spewed him up again,
he swam out and along, and scanned the coast
for some landspit that made a breakwater.
Lo and behold, the mouth of a calm river
at length came into view, with level shores
unbroken, free from rock, shielded from wind-
by far the best place he had found.
But as he felt the current flowing seaward
he prayed in his heart:
“O hear me, lord of the stream:
how sorely I depend upon your mercy!
derelict as I am by the sea’s anger.
Is he not sacred, even to the gods,
the wandering man who comes, as I have come,
in weariness before your knees, your waters?
Here is your servant; lord, have mercy on me.”

YES I have read this twice through. I have tried to find similes and I cannot. I only need one and I need to know what it means in real life.
Does the simile have to use like or as? because there are none in that excerpt using like or as…

please help, thank you so much!

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Resolved Question: what do you think this poem is about?
The Hollow Men
T. S. Eliot

I

We are the hollow men
We are the stuffed men
Leaning together
Headpiece filled with straw. Alas!
Our dried voices, when
We whisper together
Are quiet and meaningless
As wind in dry grass
Or rats’ feet over broken glass
In our dry cellar

Shape without form, shade without colour,
Paralysed force, gesture without motion;

Those who have crossed
With direct eyes, to death’s other Kingdom
Remember us—if at all—not as lost
Violent souls, but only
As the hollow men
The stuffed men.

II

Eyes I dare not meet in dreams
In death’s dream kingdom
These do not appear:
There, the eyes are
Sunlight on a broken column
There, is a tree swinging
And voices are
In the wind’s singing
More distant and more solemn
Than a fading star.

Let me be no nearer
In death’s dream kingdom
Let me also wear
Such deliberate disguises
Rat’s coat, crowskin, crossed staves
In a field
Behaving as the wind behaves
No nearer—

Not that final meeting
In the twilight kingdom

III

This is the dead land
This is cactus land
Here the stone images
Are raised, here they receive
The supplication of a dead man’s hand
Under the twinkle of a fading star.

Is it like this
In death’s other kingdom
Waking alone
At the hour when we are
Trembling with tenderness
Lips that would kiss
Form prayers to broken stone.

IV

The eyes are not here
There are no eyes here
In this valley of dying stars
In this hollow valley
This broken jaw of our lost kingdoms

In this last of meeting places
We grope together
And avoid speech
Gathered on this beach of the tumid river

Sightless, unless
The eyes reappear
As the perpetual star
Multifoliate rose
Of death’s twilight kingdom
The hope only
Of empty men.

V

Here we go round the prickly pear
Prickly pear prickly pear
Here we go round the prickly pear
At five o’clock in the morning.

Between the idea
And the reality
Between the motion
And the act
Falls the Shadow
For Thine is the Kingdom

Between the conception
And the creation
Between the emotion
And the response
Falls the Shadow
Life is very long

Between the desire
And the spasm
Between the potency
And the existence
Between the essence
And the descent
Falls the Shadow
For Thine is the Kingdom

For Thine is
Life is
For Thine is the

This is the way the world ends
This is the way the world ends
This is the way the world ends
Not with a bang but a whimper.

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 This, for the purpose of this celebration, is the 4th of July. It is the birthday of your National Independence, and of your political freedom. This, to you, is what the Passover was to the emancipated people of God. It carries your minds back to the day, and to the act of your great deliverance; and to the signs, and to the wonders, associated with that act, and that day. This celebration also marks the beginning of another year of your national life; and reminds you that the Republic of America is now 76 years old. I am glad, fellow-citizens, that your nation is so young. Seventy-six years, though a good old age for a man, is but a mere speck in the life of a nation. Three score years and ten is the allotted time for individual men; but nations number their years by thousands. According to this fact, you are, even now, only in the beginning of your national career, still lingering in the period of childhood. I repeat, I am glad this is so. There is hope in the thought, and hope is much needed, under the dark clouds which lower above the horizon. The eye of the reformer is met with angry flashes, portending disastrous times; but his heart may well beat lighter at the thought that America is young, and that she is still in the impressible stage of her existence. May he not hope that high lessons of wisdom, of justice and of truth, will yet give direction to her destiny? Were the nation older, the patriot’s heart might be sadder, and the reformer’s brow heavier. Its future might be shrouded in gloom, and the hope of its prophets go out in sorrow. There is consolation in the thought that America is young. Great streams are not easily turned from channels, worn deep in the course of ages. They may sometimes rise in quiet and stately majesty, and inundate the land, refreshing and fertilizing the earth with their mysterious properties. They may also rise in wrath and fury, and bear away, on their angry waves, the accumulated wealth of years of toil and hardship. They, however, gradually flow back to the same old channel, and flow on as serenely as ever. But, while the river may not be turned aside, it may dry up, and leave nothing behind but the withered branch, and the unsightly rock, to howl in the abyss-sweeping wind, the sad tale of departed glory. As with rivers so with nations.

—Frederick Douglass, 5 July 1852
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If you live in California, you may be worried about your home – or you may be interested in homes about to become available. Foreclosures in California are taking place more and more often, and some people benefit from them, while others are badly hurt. Whatever position you’re in, it’s good to prepare yourself.

There are many reasons a home owner wouldn’t be able to make one monthly payment on their mortgage. While this would put things into a state of default, it certainly wouldn’t trigger an immediate foreclosure. However, it is the first time things might start to go badly.

If you then miss three or four payments, things will start to be put in action. You’ll receive something called a record of notice of default within ten days from when this document is first written. When you get it, you’ll know you have to take immediate action in order to save your home.

However, this doesn’t mean the house will be immediately taken. Home owners typically have a period of several months in which to make payments again. In certain conditions, they can even explain why they’re unable to do what they need to, and be offered a loan or additional help with the terms.

Sometimes, though, no solution can be found, and in that case things will start moving directly towards foreclosure. A notice is sent, and during a period on hold, the IRS is typically notified as well. From there, there are twenty five days before the house goes on sale – for twenty of those the owner will be able to make a last bid.

Five days before that sale is the last chance the owners have to make a bid for their residence. You should keep this in mind in case you have your eye on a home that is about to go on sale. Take a look at what’s available, and look into public auctions, where these homes are available.

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From the beginning of time, man has always wanted property of his own. Pre-historic man probably wanted a private cave to get away from the rest of the pack

In today’s world, the non polluted beach front real estate like in California or any other part is what everyone admires to own. Unlike many other forms of investments, real-estate has been a kind that never gets out of fashion throughout history. As usual, there are setbacks in every form of investment and real estate is not one to be left out. However, judging from history, investments in gold and the real-estate markets have withstood the challenges of time and have proved to be reliable and secure.

One major form of real estate investment is done by property development firms. These companies usually buy property and carry out development, creating prime real estate that is later sold for a profit. There are two major forms of real estate investment and the first one is by large companies who invest in land using their surplus profits or keep the funds away in a secure location. Usually, this is done by investing in commercial property.

The other form would involve purchases where one buys a residential property usually in the form single land plots or other structures. Individuals venture into this as a way of providing home for their families and as a way of investing as well. One or two generations ago, families bought property to create a home that they will live in permanently, however this is not the case as seen in today’s real estate markets.

In the 1950s and the early 1960s most Baby Boomers purchased housing units in suburbs that were surrounded by white picket fences. This was referred to as the American Dream. They had the intention of bringing up their young children and living in these houses permanently.

Although there is still a need to find an appropriate family residence nowadays, families are not making long term investments in real estate property. The current lifestyle is one that has plenty of moving and many families hardly have the same home address for several years at a go and families have become somewhat migratory. Moving from city to city is a common occurrence for many families and not only those who affiliated with the military.

Why is purchasing property still a very popular consideration? Instead of buying the property why not rent? Two reasons can explain this. First, there are no guarantees that the family will stay put in one location for a long time. Other reasons such as economic uncertainties, better career opportunities or the large scale shakeup in the job markets may make it hard to predict the period of stay. It is quite difficult to sign a lease when the family is not sure of the period they will live in a place. If they move from the rented home, they lose all the money they had used as rent.

The second most important thing about real estate investing is that it is seen as a very profitable form of investment. If situations demand that a family move from their current location after some few years, there is high probability of them making a profit when the property is sold and with the money, they can use it for settling in the new location.

In many cases, this may not be the ideal scenario and it is evident in the current unstable state of the housing sector and the economy in general. This should however not be a deterrent because the downturn is expected to be a passing phase with things expected to pick up very soon. There is a much greater chance of property prices going up than falling after the recession subsides in the coming months and this is good news for investors. For this reason many families opt for pre- construction or off plan real estate, which have significant discounts. In the long run this type of investments will ensure a greater profit margin during the re-sale of the property.

Investing in real estate is much more different from other form of investing such as investing in the stocks or gold. Property provides the family with a real and comfortable dwelling place, while stock certificates or gold do not. This is the reason behind the huge stability in the real estate markets and will always remain to be the preferred choice for quite a long time.

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