The CA Residential Purchase Agreement is the the only document that a lender will accept as the basics for granting a home loan. Home buyers, specially first time home buyers, are reluctant to sign such document on the spot, after all, with the required Buyers Inspection Advisory and the Disclosure Regarding Real Estate Relationships, those are 14 pages of gibberish mambo jumbo stuff that is not easy to understand when read for the first time. At the height of the market, we lost a great home because the first time buyer took 2 days to read the contract and another 3 hours for me to clarify the questions he had when he read it. By the time we presented the offer, another buyer's offer had been accepted. I could not blame the buyer for not signing on the spot. For this type of purchase, ... 08/18/2011

From the moment we get out of bed to the time we come back to sleep, we make decisions that affect our climate and increase the carbon emissions that contribute to the greenhouse gas effects that are causing our climate to change.  What is the amount of land and ocean area required to sustain YOUR consumption patterns and absorb YOUR wastes on an annual basis? Almost every activity in our lives has an effect in our planet’s climate. The choices we make in our homes, when we travel, the food that we eat, what we buy and throw away, they all leave behind our very personal carbon footprint that could affect the world climate for future generations. The USA National Average for a 2 person household is 53 tons of carbon dioxide (CO2) emissions per year. The world average is only 11 tons per ... 09/07/2009