The document describes a book published by HOME Line on Minnesota tenant and landlord law. The 200+ page book provides practical advice on issues tenants commonly face such as finding an apartment, understanding leases, repairs, evictions, security deposits, and landlord foreclosures. It is based on concerns heard from thousands of callers to HOME Line's tenant hotline. The book costs $20 for a paperback copy and is a useful resource for renters and attorneys dealing with housing and tenant/landlord questions.
Web sites are dynamic, static, and most of the time a combination of both. Web sites need protection in their database to assure security. An SQL injection attacks interactive web applications that provide database services
how to enter in website at back doar is using SQL INJECTION
Web sites are dynamic, static, and most of the time a combination of both. Web sites need protection in their database to assure security. An SQL injection attacks interactive web applications that provide database services
how to enter in website at back doar is using SQL INJECTION
What is probate?
How to probate a will?
We go over everything you need to know about probate.
Presenter: David D. Wade
Mr. Wade was admitted to the California Bar in 1999 and advises families and individuals on estate planning matters, including wills, trusts, family partnerships, probate and estate administration matters, as well as trust estate litigation. He also consults with clients on all aspects of business and transaction law, with an emphasis on representing closely held business entities, including partnerships, corporations, and limited liability companies.
Mr. Wade received his Juris Doctorate from the University of the Pacific, McGeorge School of Law in 1999. He also trained in Tokyo, Japan as part of the Temple University International Law Program. While in Japan, Mr. Wade worked at a legal office where he refined his Japanese language skills and counseled foreign companies on how to establish their businesses in Japan. Prior to law school, Mr. Wade attended Brigham Young University and graduated with a Bachelor of Arts degree in International Relations and a minor in Japanese. Mr. Wade taught Business Law at Merced College from 2002 to 2007. He has also been a registered securities representative, holding a Series 7 license from 2000 to 2002. Mr. Wade has spoken to groups throughout California on the topics of estate planning and asset protection. He was also a featured panelist at the Asian American Hotel Owners national conference in Chicago, IL where he spoke on the topic of estate planning. Mr. Wade is a member of the California Bar Association. He enjoys working and living in Granite Bay, California and attending his children’s sporting events and recitals. He also enjoys fly-fishing, golf, water sports, snow sports, and travel.
Who is THE JRP GROUP
Born in the middle of Central Valley, The JRP Group was founded by three young people. It was launched with a vision, a sharp objective, and a strong ardor.mSince its inception, the focus has not budged a bit. We are driven by the same passion, enthusiasm, and devotion. We pledge to expand our business in every direction by providing all types of assistance to our associates so that they can reach the zenith with utmost honesty.
Www.Whyjoinjrp.com
First Time Home Buyer Class Sacramento CaliforniaHomeBoom.com
Learn about first time home buyer programs to purchase real estate. First time home buyer loan programs are our there to help you buy your first home. Down payment assistance and special government programs can help with closing costs. HomeBoom.com is a great place to search for the perfect house.
A Few Things To Consider When Renting A HouseEdward
Here are some pointers to consider when preparing to rent a new house…
Know what to look out for and what you should look into before going to rent a new home.
Foreclosures and Short Sales November 2008BillMcMannis
This is my presentation I used in 2008 to train real estate agents in how to properly manage short sales. The material is a little out of date, but I believe is continues to give a concise overview of how the foreclosure process works in North Carolina.
Planning and development club - November 2017, NottinghamBrowne Jacobson LLP
This session provided an introduction to SPVs, looked at key tax considerations when purchasing property, overage and restrictive convenants, and a planning update.
Collect More, and Collect It More Easily: Best Practices for Condo/HOA Debt C...Mike Fruchter
Jed Frankel's webinar from Wednesday, March 11, 2015 with HOA Leader. Subject of the webinar is: "Collect More, and Collect It More Easily:
Best Practices for Condo/HOA Debt Collection"
Seminar that we continue to develop to educate buyers and owners about real estate ownership. What's the state of the Kauai real estate market. What types of loans are available? Did you know ALL of Kauai is rural and qualifies for USDA 100% financing options? When you work your whole life to own a home, how do you protect that asset to leave it to your children when you pass on? There are benefits and risks to putting your property in the trust. We teach you this TOO.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
What is probate?
How to probate a will?
We go over everything you need to know about probate.
Presenter: David D. Wade
Mr. Wade was admitted to the California Bar in 1999 and advises families and individuals on estate planning matters, including wills, trusts, family partnerships, probate and estate administration matters, as well as trust estate litigation. He also consults with clients on all aspects of business and transaction law, with an emphasis on representing closely held business entities, including partnerships, corporations, and limited liability companies.
Mr. Wade received his Juris Doctorate from the University of the Pacific, McGeorge School of Law in 1999. He also trained in Tokyo, Japan as part of the Temple University International Law Program. While in Japan, Mr. Wade worked at a legal office where he refined his Japanese language skills and counseled foreign companies on how to establish their businesses in Japan. Prior to law school, Mr. Wade attended Brigham Young University and graduated with a Bachelor of Arts degree in International Relations and a minor in Japanese. Mr. Wade taught Business Law at Merced College from 2002 to 2007. He has also been a registered securities representative, holding a Series 7 license from 2000 to 2002. Mr. Wade has spoken to groups throughout California on the topics of estate planning and asset protection. He was also a featured panelist at the Asian American Hotel Owners national conference in Chicago, IL where he spoke on the topic of estate planning. Mr. Wade is a member of the California Bar Association. He enjoys working and living in Granite Bay, California and attending his children’s sporting events and recitals. He also enjoys fly-fishing, golf, water sports, snow sports, and travel.
Who is THE JRP GROUP
Born in the middle of Central Valley, The JRP Group was founded by three young people. It was launched with a vision, a sharp objective, and a strong ardor.mSince its inception, the focus has not budged a bit. We are driven by the same passion, enthusiasm, and devotion. We pledge to expand our business in every direction by providing all types of assistance to our associates so that they can reach the zenith with utmost honesty.
Www.Whyjoinjrp.com
First Time Home Buyer Class Sacramento CaliforniaHomeBoom.com
Learn about first time home buyer programs to purchase real estate. First time home buyer loan programs are our there to help you buy your first home. Down payment assistance and special government programs can help with closing costs. HomeBoom.com is a great place to search for the perfect house.
A Few Things To Consider When Renting A HouseEdward
Here are some pointers to consider when preparing to rent a new house…
Know what to look out for and what you should look into before going to rent a new home.
Foreclosures and Short Sales November 2008BillMcMannis
This is my presentation I used in 2008 to train real estate agents in how to properly manage short sales. The material is a little out of date, but I believe is continues to give a concise overview of how the foreclosure process works in North Carolina.
Planning and development club - November 2017, NottinghamBrowne Jacobson LLP
This session provided an introduction to SPVs, looked at key tax considerations when purchasing property, overage and restrictive convenants, and a planning update.
Collect More, and Collect It More Easily: Best Practices for Condo/HOA Debt C...Mike Fruchter
Jed Frankel's webinar from Wednesday, March 11, 2015 with HOA Leader. Subject of the webinar is: "Collect More, and Collect It More Easily:
Best Practices for Condo/HOA Debt Collection"
Seminar that we continue to develop to educate buyers and owners about real estate ownership. What's the state of the Kauai real estate market. What types of loans are available? Did you know ALL of Kauai is rural and qualifies for USDA 100% financing options? When you work your whole life to own a home, how do you protect that asset to leave it to your children when you pass on? There are benefits and risks to putting your property in the trust. We teach you this TOO.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
2. Tenant/Landlord Law Resource Book
If you enjoyed today’s speech, you may find HOME Line’s book on
Minnesota tenant/landlord law useful.
200+ pages outlining practical advice:
HOME Line wrote How to Be
the Smartest Renter on Your •Shopping for an Apartment
•Applying for an Apartment
Block to help renters find, get •Housing Discrimination
and keep rental housing. This •Understanding Leases
book is based on the real-life •Neighbors & Roommates
•Privacy Violations
concerns we hear from •Repairs
thousands of callers to our •Retaliation
tenant hotline. It gives the best •Ending a Lease
ways to handle and avoid the •Rent Increases
•Evictions
most common rental problems. •Lockouts & Utility Shutoffs
A great resource for attorneys •Security Deposits
who occasionally hear questions •Abandoned Property
•Landlord Foreclosures
about housing and •Manufactured (Mobile) Homes
tenant/landlord law. •Subsidized Housing
Cost: Paperback $20 (plus •Caretakers & Other Employees of the
Landlord
taxes and shipping) •Renters Credit (CRP)
Also available as a •Tenant Organizing
digital e-book for $9.99 •Form letters & other resources
www.homelinemn.org/book
4. Application Fees
Extra Rules after 8/1/2010
• Written Criteria
• Return Fee if denied for non-criteria reason
• Cash one fee at a time
• $500 Penalty for lying on application
5. Discrimination Law #1
• Protected classes:
– Race, color, creed, gender, marital status, family status,
sexual orientation, religion, disability, national origin,
public assistance status.
• Not Protected
– Age (except St. Paul)
– Packers v. Vikings
– Personal Animosity
6. Discrimination Law #2-
Children
• Cannot directly or indirectly discriminate against
children as opposed to adults
• New child in family
– Birth, adoption, written transfer from guardian
– 6 month notice directed to > 1 yr. anniversary
• MN. Stat. § 504B.315
7. Covenants of Habitability
• Fit for use intended
• Reasonable repair
• Must meet health and safety codes
– Includes weatherization
• MN Stat. § 504B.161
• Tenant must be fairly compensated, in
writing, for any maintenance (lawn, snow)
8. Bedbugs
• Who pays for it?
• Calls from 41 different counties
• To make tenant pay, must be able to prove
“willful, malicious or irresponsible”
conduct of tenant
• Practical advice
• MN Stat. § 504B.161
9. Late Fees
Rule until 1/1/2011
• Must be in lease
– Daily fee probably unenforceable
• Must:
– Not be a penalty
– Be reasonable estimate of average cost of dealing with
lateness
– Cost not be certain on day one
• Gorco Construction Company v. Stein, 99 N.W.2d
69 (Minn. 1959)
10. Late Fees
Rule after 1/1/2011
• Must be in lease
• Capped at 8% per rental period
• Minn § 504B.177
• Federal Rule--if exists--pre-empts State Law
• “Reasonable” probably defaults to State Law
11. Attorney Fees
• Many leases state that a tenant must pay the
landlords attorney fees if the landlord takes
legal action
• New law makes this lease term “bi-lateral”
automatically. If the tenant wins, the
landlord owes their attorney fees
• Minn. Stat. § 504B.172
12. Foreclosure
• Lender gives notice (about 4-6 weeks) of Sheriff’s
Sale
– Lender likely “wins” the Sheriff Sale Auction
• For next 6 months, Owner/Landlord can “redeem”
(pay off) the entire bid = mortgage plus costs
– During 6 months, Landlord remains Landlord
– If redeemed, Landlord remains Landlord going forward
13. Foreclosure II
• Bona fide tenant (BFT) protected past redemption period
– Tenants are entitled to 90 day notice to vacate
– A lease running beyond the redemption period is still in
force.
• BFT gets minimum 90 day notice after redemption period
• BFT may live out lease past the 90 days unless owner will
occupy unit
• Penalty in Minn. Stat. § 504B.178 for riding out deposit,
does not apply in month 6 of redemption period.
14. EVICTIONS
• History of “self-help”
• Purpose of an eviction
– Execution of Writ of Recovery of Premises
Order to Vacate (MN Stat. § 504B.365)
– Ultimate goal of any eviction -- possession, not
$$$
– Winner gets the apartment
15. Reasons for Evictions
• Non-payment of Rent
• Holding Over
• Drugs/Guns/Prostitution/Contraband
• Other Breaches (Lease Violations)
– Must be “Material Breach”
– Lease allows eviction for the breach
(re-entry clause) Bauer v. Knoble
16. General Eviction Defenses
• Service of Process
– At least 7 day notice required
• Substitute service
• “Nail & Mail”
• Anybody but Plaintiff can serve
• Governed by MN Stat. § 504B.331
• Disclosure of Owner/Agent
– Name and street address required
– Governed by MN Stat. § 504B.181
• Winter/Pregnancy/Children: Not Defenses
17. Defense to Non-Payment
Evictions
• Redemption (MN Stat. § 504B.291)
• Partial-payment (MN Stat. § 504B.291)
• “I paid it.”
– Eff. 8/1/10, landlord must give receipt for cash and
money order receipts are presumptive proof of payment
• Fritz defense
• Improper late fees
• “I didn’t owe it.”
18. Defenses to Holding Over
• Bad Notice
– “Short” notice under the lease
– Not “month and a day” (MN Stat. § 504B.135)
– Not written (MN Stat. § 504B.135)
• Illegal Discrimination
• Retaliation or MN Stat. § 504B.205
• Waiver by Acceptance of Rent (Pappas v.
Stark)
19. Defenses to Breach & Drugs
etc.
• “I didn’t do it.”
• No re-entry clause in lease
• Lease doesn’t prohibit
• Not “material”
• Guests not in tenant’s control
• Waiver by acceptance of rent (Kenny v. Si
Sue Lun)
20. Security Deposits
• Landlord has 3 weeks from:
– Termination of the tenancy: and
– Receipt of tenant’s forwarding address
• Within 3 weeks, Landlord must send:
– Either the full deposit plus interest, or
– A security deposit disposition letter
– Postmark sufficient
21. Deductions from Deposits
• Landlord can only deduct for physical
damages beyond “ordinary wear and tear”
– Landlord does not have to paint or
change carpets between tenants
• If debt still owed by tenant
• Security Deposits covered in MN Stat.
§ 504B.178. Any contrary lease
terms unenforceable.
22. If Landlord doesn’t comply
with 21-day rule
Tenant can sue for:
• Full amount of withheld deposit + interest
• An amount equal to withheld deposit +
interest (“shall”)
• Punitive damages up to $500 (begins
8/1/2010) (“may”)
23. Sample Deposit Problem
• Withheld deposit $500
• + Interest (1 Year) 5
• Multiplied by 2 1010
• +500 Punitive 500
• Total $1,510
24. Abandoned Property
• No Eviction
– Landlord must store property for 60 days (28 days after
8/1/2010), on or off premises
– Tenant can recover property by giving landlord 24-hour
written demand (48 hours if stored off site)
– Covered by MN Stat. § 504B.271
• Following Eviction
– Landlord must do inventory of property pursuant to
MN Stat. 504B.365
– Landlord must store property same as if by no eviction
or store in bonded warehouse (sheriff removes)
• After 60 days (28 days after 8/1/2010), landlord
can dispose of property
– If warehouse used, landlord & warehouse have a lien
25. Tenant/Landlord Law Resource Book
If you enjoyed today’s speech, you may find HOME Line’s book on
Minnesota tenant/landlord law useful.
200+ pages outlining practical advice:
HOME Line wrote How to Be
the Smartest Renter on Your •Shopping for an Apartment
•Applying for an Apartment
Block to help renters find, get •Housing Discrimination
and keep rental housing. This •Understanding Leases
book is based on the real-life •Neighbors & Roommates
•Privacy Violations
concerns we hear from •Repairs
thousands of callers to our •Retaliation
tenant hotline. It gives the best •Ending a Lease
ways to handle and avoid the •Rent Increases
•Evictions
most common rental problems. •Lockouts & Utility Shutoffs
A great resource for attorneys •Security Deposits
who occasionally hear questions •Abandoned Property
•Landlord Foreclosures
about housing and •Manufactured (Mobile) Homes
tenant/landlord law. •Subsidized Housing
Cost: Paperback $20 (plus •Caretakers & Other Employees of the
Landlord
taxes and shipping) •Renters Credit (CRP)
Also available as a •Tenant Organizing
digital e-book for $9.99 •Form letters & other resources
www.homelinemn.org/book