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Month: February 2018

Still Under Water in Chandler? Consider a Short Sale.

Distressed properties – those that are “under water” where more is owed on the property than will be available from the proceeds of a sale of the property – are thankfully far fewer than during the crash during the latter years of the previous decade. Still – some do exist – and Short Sales are still a viable option when faced with a “must sell” scenario of an “under water” property. Currently running at less than 3% of the closed transactions every month in our MLS, homeowners in that 3%, whether in Chandler or another part of the valley, can still use...

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Hate Your Boney Shoulders? Try These Exercises to Get Rid of Them

Do you hate your boney shoulders? Frightened to take your top off at the beach or at the pool? Sick and tired of the way that shirts just seem to “hang” off your shoulders? Boney shoulders can be an extremely frustrating thing to deal with. I remember that no matter how many shirts and t-shirts I tried, I just couldn’t seem to find one that wouldn’t show up those pointy bits where my arm joins my shoulder. Getting rid of boney shoulders is simply a case of building muscle to cover them. If you look at most people who are considered to have a great body, you may notice that their “boney shoulders” are still somewhat visible…it’s just that the muscle does a great job of covering them up. The shoulders are actually made up of a group of 3 muscles known collectively as the deltoids (or “delts” in gym-lingo). In order to see great muscular development and cover your boney shoulders you should look to incorporate exercises that cover and emphasise all 3 muscles. Here are some great weight training exercises that you can perform to cover your boney shoulders. Front Deltoids – Seated Barbell Shoulder Press (also known as the Military Press) Seated with your back supported upright by the bench, and your hands a little more than shoulder-width apart, lift the bar off the rack and...

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How to Compare Low Cost Automobile Insurance in Arizona

The internet is an automobile insurance shoppers friend. When you are comparing insurance rates for your automobile, first take a stop over at the Arizona department of insurance website. Take a look to see what insurers are licensed to do business in the state. After you've found the insurance companies you wish to compare, check to see if they have a website that will allow you to insert your information to obtain a preliminary quote. Be alert, however, that it might be better to talk to an agent directly because you will be sending sensitive information over the internet and you do not want it to fall into the wrong hands. Before you provide the information to the various insurance companies, make sure you know what they are receiving; in other words, no surprises. If you give the insurers permission to view your losses for the past 5 years (even though you might not have remembered several of the claims), make sure a copy is sent to you. Arizona insurance companies have access to a database of loss information through companies like Choice Point, Inc. This is a great tool for the insurance company, but sometimes the information contained in these reports have errors. You want a copy of the loss runs to verify that you are not being inadvertently charged for losses that are not yours. Be aware...

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