Nevada Hud 1: Fill & Download for Free

What are the crucial documents in a real estate transaction?Note: This list is based on real estate transactions in Nevada. Other states will have their own documents.On the real estate side (not counting anything the lender and escrow company might require):1. Residential Purchase Agreement - that's the offer to purchase and all the terms and conditions.2. Duties Owed - this is your "consumer bill of rights" - it's the things you have a legal right to expect from your Realtor.3. Buyer Notice of Disclosure, Pest Disclosure, Residential Disclosure Guide - these are standard things that you, as a buyer, should know. Like that we live in the desert and there are bugs and scorpions and things like that here.4. "For Your Protection" notice - You have the right to get a home inspection before you purchase, and to request repairs based on that inspection.5. "CIC Disclosure" - this advises you that this is a "common interest community" so there's an HOA, and that you have the right to receive the HOA package before closing. That is paid for by the seller, and normally ordered once escrow has opened. You'll receive the CC&Rs (covenants, conventions, & restrictions), HOA rules and regulations, annual budget, etc.) As the homeowner, you are responsible for ensuring that your tenants obey the rules, and you are entitled to vote on HOA board members, budgets, etc.6. Broker Comp & Invoice - this is a transaction fee that you will pay to Compass Realty as part of the escrow. This is separate from the commission your Realtor will receive from the Seller. It goes to the broker, not to her. This is charged by most brokers nowadays (and some are charging $500!), and is used to offset their costs. After all, the agent is working under their license, using their facilities, etc, and they only get a portion of the commission if they provide the lead.7. Seller's Real Property Disclosure (SRPD) form - The seller is required to disclose any KNOWN defects in the property or anything else that might affect someone's reasonable interest in purchasing the property. This form is filled out to the best of the seller's knowledge, so it must be taken with a grain of salt, but that's why you get a home inspection done.8. Home Inspection – The Buyer’s Realtor has a professional home inspector go out (at the Buyer’s expense) and check all the major systems (heat, air conditioning, plumbing, etc) to ensure they are functional. He will also look for things like signs of plumbing leaks, mold, cracked roof tiles/missing shingles (to a point – most inspections don’t go onto the roof, although some are now using drones to get a look).9. Buyer Request for Repairs/Seller’s Response to Request for Repairs – this is based on the home inspection, and the items are negotiated between the Buyer and Seller.As part of the escrow, you would receive (among other things):1. Statement of Identity – both Buyer and Seller must provide this information to the escrow company. It includes name, contact information, Social Security numbers, and marital status.2. Earnest Money Deposit Receipt: Self-explanatory, I hope3. Commission instructions – this lists any money you (usually only the Seller) are paying in commissions to the Listing Broker.4. Escrow Instructions – instructions to the Escrow Company agreeing to pay their fees, etc.5. Preliminary Title Report - This is a listing of all the legalities involved with the property - any liens on it (for things like back taxes), any lawsuits - basically, anything that might "muddy the waters" as far as transferring the title to the buyer. Any liens must be satisfied by the seller before closing. When the transaction is recorded, you get it free-and-clear except for your mortgage.6. "Closing Settlement Statement" or a "HUD 1" form. This lists all the money involved in the transaction. Every single cent. It shows how much you (as the buyer) are providing, how much is being paid out for various things - like property taxes, HOA fees (you will be paying pro-rated portions of those and the seller will be receiving refunds of the same amount as you pay), transfer taxes, commissions, etc. Then it shows the bottom line of what you are paying and what the seller is getting.

As far as people in charge of the conservative ideology (think Fox News and Breitbart) are concerned, California has to fail. The alternative is not acceptable. If people think that a state can be run by liberals and still be prosperous, they might decide to vote for liberals, and that simply can’t be allowed to happen.Therefore, a lot of effort goes into proving to their viewers/readers/listeners that California has failed / is slowly failing / will certainly fail. Any piece of evidence that paints California in bad light is given airtime (preferably in a way to make it look like liberals’ fault.) Anything that makes California look good gets sat on.The recent homeless controversy is a great example. California has lots of unsheltered homeless. This has absolutely nothing to do with its liberal policies (at best, it is an unintended consequence of modern progressive morality, which leaves many people without social capital to fall back on), but it’s a nice visible problem that can be discussed ad nauseam until everyone is convinced that California is overrun with homeless and it’s all somehow Democrats fault.Oddly enough, a case -could- be made that the state officials are somewhat negligent. Many of these homeless belong on involuntary commitment in state mental hospitals. But, since conservatives could not possibly argue for government-run healthcare (they have been firmly set against it ever since progressives decided to be for it in 2009), they have to avoid this low hanging fruit and go for more obscure explanations. Check out this official analysis from Ben Carson’s HUD that proves convincingly and with lots of charts and figures that the chronic homeless who shoot drugs and take dumps on San Francisco sidewalks do so because of excessively tight building regulations (page 14). It says: “if housing were deregulated, homelessness would fall by 54 percent in San Francisco.” Truly, if only SF had more relaxed rules and its apartment rents started at $1500/month instead of $3000/month, all those hobos would’ve been productive members of the society and living examples of the American Dream.Or take wildfires. We do get lots of those. It’s natural to want to blame them on the liberals. Conservatives found the solution: they blame environmentalists and the lack of brush control! Of course, no amount of brush control will prevent a conifer forest from lighting up like a tinderbox from any spark after 6 months without rain in a 30 mph wind (these wildfires have been known to jump interstate highways), and many of those forests are on federal land anyway, but …. liberals.Or cost of living. California has a high cost of living, because it is not made of rubber and it can’t accommodate everyone who wants to live here. And yet no one ever hails West Virginia for its dirt-cheap housing.Sometimes, if the problem doesn’t exist, it can be invented:* Two answers to this very question mention crime. California is only #14 out of 50 states by violent crime rate (the top 10 consists of New Mexico, Nevada, and 8 red states). Most low-crime states are rural (there’s always more crime in large cities than in farm country.) Both the safest city over 250,000 in the nation (Irvine) and the safest city over 1 million in the nation (San Diego) are in California. But people still think that there’s a lot of crime here.* California has essentially no public debt, but every conservative is sure that California is so deeply in debt that it is effectively bankrupt. How is it done? By counting future obligations of its public worker defined-benefit pension plans (the very concept of a “public worker defined-benefit pension plan” makes a committed conservative want to throw up) and using lowest possible ROI figures for plan assets. (In these calculations, when you’re trying to compare plan revenues against plan expenditures 50 years forward, the answer depends on your ROI assumptions to such a degree that you can make the plan look either firmly in the green or trillions of dollars short just by changing the input by a couple of percentage points.)* Two other answers mention typhus. Apparently there was an outbreak of typhus in California and now we are all diseased. There were 167 cases in the state in 2018.[1][1][1][1] Which is sad (it should be 0) … but it’s still pretty good compared to 738 cases in Texas.[2][2][2][2] And I bet that later number didn’t get nearly as much attention and airtime in the right-wing media.Which is not to say that California is a paradise. It does have plenty of problems. And many of those can be entirely justifiably pinned on the liberals: from the insane environmental construction laws (CEQA) that make it impossible to build almost anything other than houses and shopping malls (when was the last time we saw a large new manufacturing facility? Quite possibly before 1970), to repeated attempts to flirt with rent control (which, as even liberal economists agree, makes housing availability worse, not better), to insistence to spend money building and subsidizing public transportation systems, despite the clear and convincing evidence that residents don’t want and don’t need public transportation.But conservative media sources simply can’t and won’t present a “fair and balanced” picture. They have to show everything that’s bad (and make some bad stuff up) and nothing that’s good.And then committed conservatives choose to believe and promote this stuff, because it supports their worldview (confirmation bias).Of course, left wing media is guilty of that too. Leftists just don’t have a single target to demonize. Alabama is too easy (everyone knows that it sucks, what’s the point boring people with it?), Texas is too hard, Utah is even worse. So, they spread out. (Kansas used to be a popular whipping boy for the last several years.)Footnotes[1] Typhus Cases in California Increased 55% During 2018[1] Typhus Cases in California Increased 55% During 2018[1] Typhus Cases in California Increased 55% During 2018[1] Typhus Cases in California Increased 55% During 2018[2] https://www.dshs.texas.gov/IDCU/disease/murine_typhus/Statistics.aspx[2] https://www.dshs.texas.gov/IDCU/disease/murine_typhus/Statistics.aspx[2] https://www.dshs.texas.gov/IDCU/disease/murine_typhus/Statistics.aspx[2] https://www.dshs.texas.gov/IDCU/disease/murine_typhus/Statistics.aspx

Preface:“It is possible to make no mistakes, and still lose. That is not weakness. That is Life”Gene Roddenberry, through Capt. Jean Luc PicardI’m adding this because this post has gotten a lot of hateful and aggressive responses for my suggestion, backed up with evidence, that there are aircraft that do have, and will have the technical capacity to hold their own against an F-22. I’ve found this insulting because I am not partisan in this, and accept results with dispassion. An F-22 is a great fighter - but that said, there are other great fighters in the world today which have benefitted from their designer’s ability to meet the real world challenges around them.The technology within all of these aircraft is well described - in my responses to the vitriol coming my way I have produced the available references for general search as best I can.. I did not set out to insult but have literally been insulted in turn - a first in my experience of Quora, and it has been an eye opener to see how much hate there can be when anyone bursts a bubble of a preconceived notion. I never want to see it again.However, I am not removing my answer because it is based on technical fact openly published by L’Armee de L’Aire, the JASDF, Dassault Aviation and Mitsubishi Heavy Industries, along with other sources.There are two fighters which have good chances of defending against an F-22 in both BVR and Visual air combat - One that is, and one that will be soon.One that is - the Dassault RafaleCosting a fraction of what an F-22 does (between 35% and 42% less depending on how you work it out), as well as being less expensive to maintain and operate, the Rafale has a decent shot of an intercept due to being outrageously manuverable, combined with being fully ballistic.Equipped with an AESA Solid-state Radar, it is is able to ‘see’ the F-22 as a ‘hole’ in the background radiation of the sky behind it. Effectively it ‘sees’ F-22’s, Su-57’s, Chinese stealth stuff and even F-117’s and B-2’s as shadows at a long distance, and discerns them as being aircraft from the shadow’s velocity profile - and even in ground clutter.This is a published performance of its RBE-2 Radar, which operates with rapid switching as a sold-state phased array PESA (Passive) as well as AESA (Active) radar, inherently designed to work across a wide (and classified) range of radio and microwave frequencies, with powerful computer control and integration into the Rafale’s systems, a norm in fighters these days.There are numerous publications detailing the function of PESA and AESA available online for your interest and research. The array is integrated into the function of the RWR receiver, HUD, and Helmet Display systems, as you would expect.The RWR accepting PESA data on wide spectrum will display the stealth types as F22?, F35?, B2? and S57? in each case - while the radar ranges the targets to permit a high probability. Pilots will be ready for them when entering airspace containing these types thanks to their intelligence briefings during wartime conditions. In addition, the AI routines on the fighters will produce audible alerts from the RWR in BVR mode if shadows are detected.As has been demonstrated numerous times, in a visual merge the Rafale will almost instantly get the drop on on the F-22 and keep lock on weapons.A measure of how true this is comes from the fact that L’Armee de L’Aire and Dassault have kept very silent about the Rafale’s capabilities, but at no point have indicated that it would come the worse off in a combat engagement.Silence is golden here - because over time, we’ve gotten to see disclosures like these ….Fox 2 Baby ! And Guns ! And three times in a row - hard work, but that’s what being a jet fighter pilot is all about.The video above was taken during a Red Flag exercise in Nevada, where the Rafales were going head-to-head with many other types including the F-22. Red Flag - and its interaction with the Aggressor Squadrons of the USAF - is all about combat simulation training, and contrary to my detractors below - is not a shirking exercise on the part of any of the participants. That is a gross slur on the professionalism and self-sacrifice of the men and women making up the members of these armed services.When the participants meet and fly, they max their fighters out, and do all but actually shoot each other - and with modern electronics they practically do, insofar as a kill is registered with the aircraft’s weapon systems with training missiles and sensors fitted to the airframes during the exercise.What’s telling is that no matter how the F-22 ducks and dives, the Rafale pilot has him in his sights within seconds of a merge and disengage - meaning that the Rafale is most definitely tracking the F-22 no matter what, and that Stealth and vectored thrust be be damned. The Rafale outflies the F-22 dramatically well in the right hands.One that will be - the Mitsubishi F-3 Shinshin[X-2 Prototype]A measure of the JASDF is that it is already buying F-35B VTOL fighters out of a fraction of the 1/3rd 1% of GDP it receives every year from the Diet.And the F-3 program is going ahead, with the first full prototype to roll out following the conclusion of the X-2 program currently underway.Informed observers (me) note the following characteristics which indicate that the F-3 will be as much a match of the F-22 as the Rafale is now ….[1] X-31-style vectored thrust paddles on two engines - where the F-22 can only vector on the X axis differentially, the F-3 will be doing some far more incredible stuff, as it has full XYZ paddle controls on two engines…opening the door to over-the-top rotational antics guaranteeing that an F-22 will not be able to shake the F-3 pilot with ease….[2] The F-3 will feature an AESA Radar even more advanced than that fitted to Rafale, as a few suggestive reports on the JASDF’s website indicate that great emphasis is being being placed on passive doppler Radar receivers - which will not even turn on for fighter interceptors, depending on the emissions from AWACS E-767 platforms for theatre illumination. The F-22 will know where the E-767s will be , but not the F-3’s - these will be ‘holes’ for which the F-22 may or may not be prepared.[3] The F-3 is small - about 50% larger in terms of dimensions to the F-5 Tiger II, and a little smaller than an F-16 in terms of overall dimensions. This makes it tough to cope with - it will roll hard, vector insanely, and have no EM emissions. It will also be stealthy in all bands its likely to meet, making it even more of a black hole. Despite this, it will be a supercruising Mach 2.0 fighter in the same performance class as the F-22 - but tactical as opposed to strategic.Overall, if an F-22 driver meets either of these two being flown in anger, he is going to have a very tough time indeed !My 2c worth, and kind regards.L’envoiI often wonder whether Mitsubishi is consulting with, or have engineers who are childhood fans of the designs of Shoji Kawamori, himself an aerospace engineer world famous for his Macross Valkyrie variable mecha fighters. One of them, the YF-21 bears an eerily prescient form in many ways to the forthcoming F-3, in terms of ‘putting it all together’ save for the VF fighter’s natural charm of transforming into a robot suit for which there is no need - so far….[Wonderful for 1995….]