1. LOCAL RECORDS OFFICE - What Is Medical Marijuana? The term “medical marijuana” refers to the use of the whole, unprocessed marijuana plant and its pure extracts to treat a disease or improve a symptom, says, Local Records Office. It must be sourced from a medicinal-grade cannabis plant that has been meticulously grown without the use of toxic pesticides and fertilizers. localrecordsoffice.co/looking-buy-cannabis-without-medical-marijuana-card-list-pot-dispensaries/

    Marijuana’s incredible healing properties come from its high cannabidiol (CBD) content and critical levels of medical terpenes and flavonoids. It also contains some tetrahydrocannabinol (THC), the molecule that gives the psychoactive effect, which most recreational users are after. Through traditional plant breeding techniques and seed exchanges, growers have started producing cannabis plants that have higher levels of CBD and lower levels of THC for medical use.

    Although the Food and Drug Administration (FDA) has not yet approved medical marijuana, more and more physicians are starting to reverse their stand on the issue and swear by its effectiveness and health benefits. localrecordsoffice.co/know-2018s-new-marijuana-laws-california/

    Cannabis & Mental Health
    A common misconception of cannabis is that has detrimental effects on mental health. It is possible that high doses of tetrahydrocannabinol (THC) could trigger anxiety in some patients, and some believe it could expedite the onset of predisposed personality disorders, but this has yet to be proven by any reputable studies.

    The recent trend in the mental health field has been to investigate our relationship with cannabis. In turn, studies have linked cannabinoids to a number of mental health concerns. The research catalog is still growing, but a few mental health conditions for which cannabis could be beneficial are as follows:

    Alcoholism and Cannabis
    Opiate Withdrawal and Cannabis
    Depression and Cannabis
    Phobias and Cannabis
    Schizophrenia and Cannabis

    Your Brain On Cannabis
    Not only has cannabis been linked to mental health, cannabinoid receptor activity in the brain before birth suggests that the compounds could be play a role in brain development. Cannabis has been linked to the creation of new neurons in the brain, or neurogenesis, and overall brain plasticity. In addition to its role in brain development, medical cannabis is believed to have neuroprotective properties that help treat the following conditions: en.wikipedia.org/wiki/Medical_cannabis

    Alzheimer’s Disease and Cannabis
    Parkinson’s Disease and Cannabis
    Oxygen Deficits and Cannabis
    Migraines and Cannabis
    Mood disorders
    Degenerative neurological disorders such as dystonia
    Multiple sclerosis
    Parkinson's disease
    Post-traumatic stress disorder (PTSD)
    Seizures
    CBD also works as an

    Medical Marijuana For Cancer
    One the most intriguing potential applications for medical marijuana is cancer treatment. It has long been prescribed to counter the side effects of chemotherapy, but oncologists across the world are working on trials to determine whether cannabis can be used to treat cancer itself. Many patients choose to take the Rick Simpson Oil treatment plan in an attempt to cure the cancer, but there are many different methods of going about treatment. localrecordsoffice.co/pennsylvanias-first-medical-cannabis-dispensary-officially-open-public/

    Health benefits
    Medical marijuana is available in several different forms. It can be smoked, vaporized, ingested in a pill form or an edible version can be added to foods such as brownies, cookies and chocolate bars.

    Because the federal Drug Enforcement Administration has classified marijuana as a — meaning it has a high potential for abuse and no legitimate therapeutic uses — it is exceptionally difficult to do high-quality studies on its medicinal effects in the United States, said Donald Abrams, an integrative medicine specialist for cancer patients at the University of California, San Francisco. vimeo.com/242642949

    But the idea that marijuana may have therapeutic effects is rooted in solid science. Marijuana contains 60 active ingredients known as cannabinoids. The body naturally makes its own form of cannabinoids to modulate pain, Abrams said.

    The primary psychoactive cannabinoid in marijuana is , or tetrahydrocannabinol. THC targets the CB1 receptor, a cannabinoid receptor found primarily in the brain, but also in the nervous system, liver, kidney and lungs. The CB1 receptor is activated to quiet the response to pain or noxious chemicals.
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    LOCAL RECORDS OFFICE - If You Want to Pay Off Your Mortgage in 15 Years Instead of 30-40 Years, KEEP READING

    LOCAL RECORDS OFFICE: Let’s be honest we all want to accomplish the American dream of buying a nice house for our family but none of use want the 30 to 40 years mortgage says, Local Records Office. Buying a home is a major expense and a major debt. It’s said it’s the biggest purchase you’ll make in your life. A mortgage takes a lot of our money and time.

    The classic mortgage loan is repaid over the course of 30 years, but today, some terms call for up to 40 years of repayment.

    To some, three or four decades seem like an interminable amount of time to take to pay off a debt.

    Local Records Office says, “for those who aren’t looking to change the terms of their mortgage loan, such as refinancing to a lower interest rate or converting a 30-year loan to a 15-year loan, there are a few ways you can put a dent in the principal and lowers the amount of interest paid in the following months and years”.

    While some folks claim that paying down the principal reduces the mortgage interest available to deduct on your federal tax return if you itemize, in the long run, you’ll still come out ahead. Take into consideration that your tax liability will likely increase incrementally if you’re already in the middle of paying off your mortgage.

    If paying off your mortgage early is your aim, always ask if your lender allows prepayments, without penalty. You don’t want to pay toward the principal and get penalized for it says, Local Records Office. Also be sure your extra money is being put toward the principal, rather next month’s mortgage payment. That won’t reduce your interest payments.

    Pain-Free Tips For Paying Off Your Mortgage Early

    Paul and Shirley have a 30 year fixed rate mortgage on a $200,000 loan. They are paying 5.5% APR and are motivated to pay that mortgage off early says, Local Records Office. I applaud their enthusiasm, but I also encourage them to examine their priorities before focusing on their mortgage debt. They should:

    Pay off all other debt. Why? Because getting rid of other debt will free up their cash flow to allow them to attack that mortgage with gusto.

    Save at least a six-month emergency fund. Why? Because emergencies WILL happen, and money tied up in their house cannot not be easily accessed to pay for those emergencies.

    Be investing sufficiently for retirement. Why? Because they only have one shot at retirement says, Local Records Office. They should ask themselves this question, “If my retirement account was already on target, would I sacrifice it in order to pay my house off early?” Of course not, but neglecting their retirement account in order to pay their mortgage early is doing the same thing.

    1. Make a payment every two weeks.

    This approach is especially suited for those who are either paid weekly or bi-weekly because they can synchronize their mortgage payments to their pay schedule instead of the calendar. The strategy works because a payment every two weeks, in a year’s time, will total 26 payments, or the equivalent of 13 monthly payments– one extra payment per year. If Paul and Shirley choose this option, their 30 year mortgage will be gone in slightly less than 25 years.

    Note: Many banks, because they are structured to process payments monthly, will not be able to accommodate the bi-weekly payment schedule. However, a diligent borrower can do this on his own by multiplying whatever he is paying now by 1.083 (or 13/12) in order to pay the equivalent of 13 payments a year says, Local Records Office.

    2. Change their W-4 forms, get less refund, and pay extra on their mortgage.

    Paul and Shirley, who are receiving a $3,000 refund from the IRS every year, could claim more exemptions on their W-4 forms in order get a smaller refund and more take home pay. If they were to plan for a $600 refund, they would have an extra $200 to add to their mortgage payment each month, lowering their payoff from 30 years to only 21 years.

    3. Refinance and keep paying the same payment.

    If Paul and Shirley could refinance their loan from 5.5% to 4.5%, and keep making the same payments, they would knock the mortgage out six years sooner.

    4. Utilize pay raises.

    Local Records Office says, “Paul and Shirley’s current house payment is 25% of their take home pay”. If they continue to pay the same 25% as they receive future pay raises, they would be making incrementally bigger payments – a relatively pain free strategy. Assuming these two get a 4% annual pay raise, this tactic would allow them to pay that 30 year mortgage off in slightly over 17 years. http://www.local-records-office.org/blog/

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    This is the REAL Cost of Buying a House – What Realtors Don’t Want You to Know – Local Records Office

    LOCAL RECORDS OFFICE -- With 2016 well under way, thoughts to buying that dream home starts to heat up says, Local Records Office. Many people take this time of the year to do their research, examine finances, and start the decision process of whether or not it is the right year to buy. But there are a few things to keep in mind other than the purchase price. There are associated costs with buying a home that must be kept in mind, and more importantly, factored into budget.

    Pre-Closing Costs

    Home Inspection

    Getting a professional home inspector is always a smart decision. Things heating, electrical, and plumbing problems aren't always obvious to untrained eyes says, Local Records Office. A qualified home inspector is there to help uncover any problems that could create quite a financial burden to buyers.

    Appraisal

    More and more mortgage lenders are asking for home appraisals prior to closing. Before they agree to lend you the money to purchase a home, lenders are just making sure that you haven't paid too much for a property. An appraisal gives the lender another opinion about your potential new home and gives them the peace of mind that the value matches the price you have agreed to pay says, Local Records Office.

    Closing Costs

    Land Transfer Tax

    In Olympia, Washington buyers are required to pay up to 2% of the purchase price of a home as a tax. In the City of Olympia, there are additional taxes on top of that. These can be significant amounts given the price of housing. First time homebuyers are eligible for tax refunds but it is always wise to talk to your real estate professional regarding this significant cost.

    Mortgage Insurance

    If you cannot afford to put down 20% of the purchase price down on your home, you will probably be required to by mortgage insurance. This will be for the benefit of your mortgage lender in the event that you cannot pay your mortgage. Rates will vary so it is always best to shop around.

    Legal Fees

    Buying a home is a complicated contract that involves lots of forms, documents, and ultimately legal advice. Your real estate lawyer will do all the heavy lifting, title search, registering your mortgage and deed, as well as producing a Statement of Adjustments says, Local Records Office.

    Title Insurance

    This type of insurance is for the benefit of the buyer. It ensures against such things as title fraud, errors in public records, any encroachments with neighbors, and many more. This should be discussed with your lawyer but is definitely worth the investment.

    Adjustments

    As mentioned earlier, your lawyer will prepare a statement of adjustments says, Local Records Office. This basically will outline who owes what between the buyer and the seller. For example, if the seller paid the yearly property tax at the beginning of the year, and the buyer purchases the home half way through the year, the buyer would be responsible for paying half of the property tax.

    Home Insurance

    You must have home insurance before a lender will release the funds to purchase a home says, Local Records Office.

    HST

    This 13% tax is applied ONLY to brand new homes and not homes that are resale’s.

    After Closing Costs

    Moving Costs

    This will depend on how much stuff you have and how far you are moving and whether you are moving everything yourself or hiring a professional moving company.

    Utility and Service Hook Ups

    You may find fees to hook up gas, hydro, water, and telecommunications.

    Renovations and Repairs

    It is a good idea to set some money aside for re-ups and repairs on the new home. Even if it is just some painting that needs to be done, the cost of all the supplies and paint can add hundreds to your budget. Also set aside some money to 'freshen' up your new home with such things as furniture, appliances, and other accessories that may or may not have been on that original budget you set out with.

    To learn more about real estate and Local Records Office go to http://www.Local-Records-Office.com

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    LOCAL RECORDS OFFICE: The Dark Side of Being A Real Estate Agent – Local Records Office

    LOCAL RECORDS OFFICE: So, you're thinking about pursuing a career in Real Estate? You've heard a lot about the flexible schedule, being your own boss and the major commissions says, Local Records Office. Sounds perfect, right? Well, there is a lot to real estate that you must understand before you jump into a career. You may hate your current job or be interested in starting a new chapter in your life, but are you sure it's the real estate industry and not just the luring promises of wealth and flexibility? Because I can tell you right now, flexible schedule means you will make yourself available 24/7, being your own boss can mean the constant stress of hitting your sales goals and as far as the commission goes, I shouldn't even need to mention that the Real Estate market is not in its healthiest state.

    Local Records Office: To Be a Semi- Successful Real Estate Agent You Need To Be Available 24/7

    You have to think of being a Real Estate Agent as owning your own business. You will hear a lot of agents talk about their "business" and it really is the best way to think of it when you're starting out. You are an independent contractor, so you will have to take on managing your own taxes. If you're smart, you should keep receipts for your travel expenses, advertising, and education from the very beginning because these are tax-deductible. You may have to hire an accountant or do some research, but this is your hard earned money and the government wants to encourage small business ownership with these deductions, so take advantage of this as soon as possible.

    Local Records Office: You Need To Go Out and Find Brokers, In Other Words Go Find Brokers You Will Be Giving Your Business To

    In order to sell real estate you must be listed with a broker says, Local Records Office. You can go with a large brand name, which usually have some great tools for new agents, or you can go with a smaller, boutique broker. My best advice if you're serious about getting into real estate would be to set up a couple informational interviews with different brokers. Let them know ahead of time that you're considering getting your license, so there are no expectations and they don't feel like you've wasted their time. What you need to understand with brokers is that THEY WANT YOU. You may feel like you're being interviewed but just think about what you're interviewing for; they don't spend any money by listing you, they may offer different tools or a great commission split but they do get a portion of your commissions. Listing you makes them money, so be very careful in choosing your broker and make sure you have a list of questions that they can answer to help you decide.

    Real estate can be very rewarding, both professionally and financially, for the right people. You might need to make sacrifices in the beginning but this is a career, not a fly-by-night venture. You now own your own business and your success is completely in your own hands. One of my favorite quotes is that "Entrepreneurship is living a few years of your life like most people won't, so that you can spend the rest of your life like most people can't." This is your business, you have to put your time into it and earn each client’s respect and eventually you will have a very successful career in real estate.

    To learn more about real estate and Local Record Office go to http://www.LocalRecordsOffices.com

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  5. http://www.Local-Records-Office.com
    People are tired of throwing away money by renting apartment that they will never own. Local Records Office helps people with property history to own a home.

    Local Records Office is a company that focuses in developing property history reports. If you have never heard of such document rest assure you are not the only one. However, it is crucial that you educate yourself regarding these resources because, if you are a homeowner, they can seriously improve your ability to make smart real estate choices. Most important, a property history report is a document that summarizes a wide range of details regarding your real estate assets. Each property report from Local Records Office covers a specific address, providing specific information about property history, transaction details, and demographics of the surrounding neighborhood. This type of reports is exceptionally valuable to people who are considering selling their properties or who simply want to know how much their property assets are really worth-and why. When you invest in a property history report from Local Records Office you will receive a valuable document that speaks to a long list of subjects. Below you will find some of the things you will find: http://www.Local-Records-Office.com

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