HouseMaster Recognizes Brownsburg, Indiana, Real Estate Professional with 2019 Above and Beyond Award

Trent Paino (left) alongside Jamie Hall and Tim Paino (right)

Jamie Hall of Carpenter Realtors receives award for a commitment to exceptional service and professionalism

BROWNSBURG, INDIANA, USA, September 30, 2019 / — HouseMaster Home Inspections covering the Bloomington and Indianapolis area (HouseMaster Heartland) recently presented Carpenter Realtors’ Jamie Hall with the company’s Above and Beyond Award, which recognizes real estate service providers for their integrity and commitment to service while working with their customers and clients. Trent Paino, the owner of HouseMaster Home Inspections servicing the area, presented the award to Jamie Hall.

Jamie received her real estate license in 2002 and immediately joined Carpenter Realtors’ Brownsburg Office. She received the ‘Rookie of the Year’ award and continued her stride as Carpenter Realtors Top Agent from 2008 through 2013. Since then, she has been either No. 1 or No.2 in the company every year, which shows her hard work and dedication to get the job done for those she represents.

“It is the trust, loyalty and friendship of clients that motivates me,” she said. “I treat them as family, which contributes to my large referral base. I also maintain a strong devotion to my faith, family and friends.”

As a skilled agent in Central Indiana, she provides exceptional service to both buyers and sellers. Communication is her strong point and she considers it essential to successful closings. Jamie has been featured as a Top Solo All-Star Agent in the Indianapolis Business Journal (IBJ), in the Indianapolis Monthly magazine and regularly recognized in the Indy Star as a Top Performing Agent. She says that even better than those awards are her rave reviews from past clients.

“It is clear that Jamie has found her calling as a real estate agent — she is extremely professional and really cares about her clients,” Paino said. “She really goes above and beyond for everyone she works with and it’s wonderful to present her with this award for her accomplishments.”

HouseMaster Heartland is part of a 40 year franchise tradition of offering the most trusted inspections in the industry. Paino is a leader in his community and throughout the HouseMaster franchise system.

“On behalf of our entire organization, we want to congratulate Jamie Hall on her success and achievements,” said HouseMaster President and CEO Kathleen Kuhn.

For more information, contact Trent Paino at 317-209-9100 or


About HouseMaster:

Founded in 1979 and Headquartered in Somerville, N.J., HouseMaster is the oldest and one of the largest home inspection companies in North America. With more than 320 franchised areas throughout the U.S. and Canada, HouseMaster is the most respected name in home inspections. For 40 years, HouseMaster has built upon a foundation of solid leadership and innovation with a continued focus on delivering the highest quality service experience to their customers and providing HouseMaster franchisees the tools and support necessary to do so. Each HouseMaster franchise is an independently owned and operated business. HouseMaster is a registered trademark of HM Services, LLC.

For more information please visit or call 732-469-6565.

Bob Spoerl
Bear Icebox Communications Inc.
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Source: EIN Presswire

Tony O’Brien of Real Estate Lender to be Featured on CUTV News Radio


CHARLOTTE, NORTH CAROLINA, UNITED STATES, September 30, 2019 / — With over 25 years of professional experience as a business executive, Tony O’Brien has proven himself to be an accomplished professional and expert in in the real estate/hedge fund and energy sector. Today, O’Brien is the Managing Partner of Real Estate Lender, providing innovative financing solutions for real estate partners to be successful.

“We're one of the only companies in the country who deal in all facets of real estate lending,” says O’Brien. “We do acquisition rehab loans, we do bridge loans, we do new construction, and we do term loans. And we do that both for multi-family and residential investment property as well as commercial properties. We really focus on the client's problems. And a lot of that is the reason why we have people continually coming back.”

According to O’Brien, real estate investing, equity trading and energy trading is all the same. Just replace one commodity with another. The question is: Can the person on the other side fulfill the order? You've got to understand your risk. O’Brien’s expertise in commodities, market analysis, mathematics and risk modeling has helped him assist hundreds of real estate investors with their funding needs.

“Right now in the financial industry, the problem is how do I qualify myself and how do I qualify for a loan,” says O’Brien. “What's the credit score? What kind of money do they have in the bank? Are they able to carry this deal to the fruition of the transaction? And what is their experience? Can they see the project to the end? A lot of it is mathematical. Are we putting them in a position to succeed? We counsel our clients to look at their challenges and how they can overcome them.”

A great deal can be a bad deal in the wrong client’s hands, says O’Brien. That’s why he looks at all factors when determining how best to invest.

“We had a doctor and his wife who were going to build this gorgeous mansion in Connecticut that they wanted to build and rent out, and it kept coming up as a no,” recalls O’Brien. “I said, ‘Why are we saying no to this deal? The doctor is just writing checks: he's got an 800 credit score; he’s got plenty of money in the bank; and the contractor he’s hired has done 50 of these projects.’ So that mitigated the risk we were taking, and I ended up saying yes to them. it's turned out to be a very successful transaction.”

Still, says O’Brien, no matter the size of the deal, it all comes down to relationships.

“A lot of our business is just mundane, same numbers, day-in, day-out: Those are the average deals, but we treat those customers the same way we treat clients borrowing over a million dollars from us,” says O’Brien. “I can speak the language of a businessperson, but I also understand what the client is going through. So I don't give anybody a sales pitch. I treat them like a friend, and that's the culture I’ve built for all my companies: treat your client like a friend and they’ll do business with you.”

CUTV News Radio will feature Tony O’Brien in an interview with Doug Llewelyn on October 2nd at 2pm EDT

Listen to the show on BlogTalkRadio

If you have any questions for our guest, please call (347) 996-3389

For more information on Real Estate Lender, visit

Lou Ceparano
(631) 850-3314
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Source: EIN Presswire

VIZpin Announces Partnership with Real Time Networks

VIZpin Smartphone Credentials

VIZpin partners with Real Time Networks to offer smartphone credential option for key and asset management systems.

LANCASTER, PA, UNITED STATES, September 30, 2019 / — VIZpin, designer and manufacturer of the VIZpin smartphone-based, Bluetooth enabled access entry system, has announced a partnership with Real Time Networks to provide access to their Key and Asset Management systems using VIZpin Smartphone Credentials.

The VIZpin integration allows customers with AssetTracer and KeyTracer solutions to have employees authenticate themselves with their smartphones to sign out keys and equipment. It also simplifies the process to give on-demand or temporary access to contractors, visitors and students. Using the VIZpin SMART app and Bluetooth reader/controllers, Real Time Network customers can instantly grant or revoke access to any of their systems and keep a record of who was there and when.

Paul Bodell, President and CEO of VIZpin said “We have a lot of interest from the markets that Real Time Networks is serving but the costs and challenge of adding VIZpin as an aftermarket product limited us. Now that we are fully integrated, the customer experience is seamless, convenient, secure and affordable.”

Mike French, CEO at Real Time Networks added “Adding VIZpin Smartphone Credentials to our systems adds a whole new level of security and convenience to managing temporary access in key markets for us like universities, office buildings and more. It also offers a lot of flexibility and affordability to our unattended delivery customers”.

About VIZPin
VIZpin designs, manufactures and markets a complete access control solution that includes cloud-based management tools (ACaaS), low-cost Bluetooth controllers and smartphone apps. The VIZpin solution provides a secure, convenient and affordable way to unlock any device by using your phone as your key and your network. Visit to learn more.

About Real Time Networks
Since 1995, Real Time Networks has been a leading provider of security solutions for keys, assets, and people. Our solution line-up includes KeyTracer key control systems, fleet management, AssetTracer electronic lockers, emergency evacuation management and roll-call solutions. Real Time Networks caters to the needs of thousands of clients in: Law Enforcement, Corrections, Gaming, Managing Fleets and Parking, Education, Hospitality, Government, Museums, Retail Loss Prevention, Sports, Healthcare, and Air Travel. From initial consultation and gap analysis, to custom installation, to on-site training, all the way to toll-free phone support and on-site support, Real Time Networks keeps your organization running safe, secure, and efficient. Visit to learn more.

Wendi Grinnell
VIZpin Inc.
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Source: EIN Presswire

Launch of global property portals Commercial and Residential People

Up and coming Global property portals, Commercial and Residential People threaten to disrupt the status quo of the South African property market

DURBAN, KWAZULU NATAL, SOUTH AFRICA, September 30, 2019 / — Global property portals allow agencies to target international buyers and reduce their overheads with free property listings.

• Free to list Commercial People and Residential People property portals are now live across five countries
(South Africa, UK, UAE, India & Nigeria).
• Over 350,000 listings worldwide – Aiming for 1 Million by Q4 2019.
• Major agents include Annenberg Property Group, Baker Street Properties, Broll, CCH, Chas Everitt and Meridian
• Imminent launches planned for Mainland Europe, China and the Middle East.

Up-and-coming global property portals Commercial People and Residential People is helping to provide a beacon of hope for real estate agents across the country with their free listings and international coverage.

Currently operating across South Africa, the UK, UAE, India and Nigeria, Commercial People & Residential People are uniquely positioned to attract both local and overseas buyers & investors interested in purchasing or renting property throughout South Africa.

The free to list portals which will also launch across France, Germany, China and other key markets in 2019, is threatening to disrupt the Property24 & Private Property duopoly, offering support for agents across South Africa struggling to pay the high costs of membership with a radical free to list solution.

In just a few months since their launch, both Commercial & Residential People have attracted some of the biggest names across the property sector including the likes of Broll, CCH, Chas Everitt and more. Commercial People & Residential People are targeting both merging and established markets alike. Alongside South Africa, we are currently operating across the UK, UAE and India, and despite our brand infancy, we are well on our way to being one of the biggest property portals in the UAE and on the way to becoming one of the largest in India as well.

Our USP is simple. Every agent we’ve spoken to is concerned about the rising cost of property portals; Commercial & Residential People are free to list global property portals that help to eliminate some of the expenses agencies face.
Since launching, Commercial People has found that a growing number of searches on its UK site come from prospective overseas buyers looking to relocate here or investors keen to enter the market, this figure is replicated across the South African market as well, with a particular interest in Johannesburg and Cape Town.

One of our key selling points is that we are international. It is a fact that thousands of properties in certain areas – especially commercial property and apartments are not being bought by local, but international buyers.
In the UAE, for example, after only a few months, we have a 75% market share of all properties. With the global reach of Commercial & Residential People, any local South African estate agent can tap into the growing foreign investment across the country, gaining more exposure on their listings for free not only from potential customers in the UK, but also from successful expats across the UAE, and soon China.

We want to make it abundantly clear that our aim is to work with agents and build an alternative to some of the portals that exist today. While we understand that international attention doesn’t appeal to every South African agent, our nationwide coverage can ensure increased exposure for the local market as well. With agent’s support, we are hoping to disrupt the status quo and give agents an alternative to the current duopoly.

Christopher May
Commercial People
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Source: EIN Presswire

Harky’s Chimney & Home Services Promotes National Chimney Safety Week

Harky's Chimney & Home Services

Harky’s Chimney & Home Services

Needed Repairs Can't Hide Behind The Glitz & Glamour

Needed Repairs Can’t Hide Behind The Glitz & Glamour

Harky's Chimney & Home Services wants to remind homeowners about fireplace and chimney safety and having them inspected annually to keep occupants safe

The National Fire Protection Association Standard (NFPA) 211 recommends an annual chimney inspection by a qualified professional to help prevent carbon monoxide hazards and chimney fires.”

— Todd Harkrider

HOUSTON, TX, UNITED STATES, September 30, 2019 / — An annual chimney inspection performed by a qualified professional can help prevent carbon monoxide leaking back into the home and chimney fires. These inspections can also identify potential fireplace/chimney issues to address before they become a more costly repair and save lives.

The National Fire Protection Association Standard (NFPA) 211 says, "Chimneys, fireplaces, and vents shall be inspected at least once a year for soundness, freedom from deposits, and correct clearances. Cleaning, maintenance, and repairs shall be done if necessary." This is the national safety standard – the standard takes into account the fact that even if you don't use your chimney often animals building nests in the chimney and/or deterioration of fireplace/chimney could still deem it unsafe to use.

The Facts About Chimney Fires
While a fireplace adds architectural character and value to your home, its real function is to carry dangerous flue gases safely out of your home. If not properly maintained the fireplace and chimney can cause chimney fires, destroy homes and kill occupants.

Indications of a chimney fire have been described as creating:
• loud cracking and popping noise
• a lot of dense smoke, and
• an intense, hot smell

You may see flames or dense smoke shoot from the top of the chimney and/or hear a low rumbling sound (such as the sound of a freight train). However, most chimney fires go undetected as they are slow-burning – they don’t have enough air or have enough fuel to be noticeable yet can still reach a very high temperature and cause structural damage. Most of these are primarily only detected by a chimney inspection.

Signs that You’ve Had a Chimney Fire
Given the additional risks of using a fireplace after a chimney fire occurred, here are signs that a professional chimney sweep will look for during inspection:
• “Puffy” or “honey combed” creosote
• Creosote flakes found on the roof or ground
• Roofing material damaged from hot creosote
• Cracks in exterior masonry
• Evidence of smoke escaping through mortar joints of masonry (brick, stone, etc) or clay tile liners
• Cracked or collapsed clay flue tiles
• Discolored and/or warped metal flue pipe or chimney cap
• Warped metal of the damper and/or metal smoke chamber connector pipe of a prefab (factory-built metal fireplace/chimney)

Creosote is black or brown in color and can be crusty and flaky, a tar-like substance, drippy and sticky, or shiny and hardened. It typically builds up on chimney flue liners and is typically due to restricted air supply, cool chimney temperatures, or burning unseasoned wood. All forms can actually occur in the same chimney – and whatever form it takes creosote is highly combustible.

If you think a chimney fire has occurred, call Harky’s Chimney & Home Services, LLC for a professional inspection. We can make recommendations on how to safely bring it back to code – whether it’s a simple repair to an entire fireplace and chimney rebuild. Each situation is unique – and having a professional chimney sweep inspect it is highly recommended.

Proper Maintenance
As a reminder – clean chimneys typically don’t catch fire. The National Fire Protection Association Standard (NFPA) 211 recommends an annual chimney inspection performed by a qualified professional to help prevent carbon monoxide leaking back into the home and chimney fires. Cleaning, maintenance, and repairs shall be done if necessary. These inspections can also identify potential fireplace/chimney issues to address before they become a more costly repair and save lives. This is the national safety standard – the standard takes into account the fact that even if you don't use your chimney often animals building nests in the chimney and/or deterioration of fireplace/chimney could still deem it unsafe to use.

When it comes to sweeping the chimney, the Chimney Safety Institute of America (CSIA) recommends that open masonry fireplaces should be swept at 1/8 inch of sooty buildup, and sooner if there is any glaze present in the system. Even at a small 1/8” inch buildup it’s enough fuel buildup to cause a chimney fire and possible death of occupants. For prefabs (factory-built fireplaces) – they should be swept when any appreciable buildup occurs given the buildup is acidic and can easily shorten the life of the fireplace.

About Harky’s Chimney & Home Services, LLC
Harky's Chimney & Home Services, LLC ("Harky's") is a chimney sweep and home services company in Texas (we do business in Houston, DFW, San Antonio, Austin and Tyler) that utilizes leading technology. We operate under the Harky's Chimney & Home Services primarily for the residential customer and Apartment Chimney Sweeps for multi-family property managers. The owner, Todd Harkrider, is a highly-coveted CSIA-Certified Chimney Sweep, a CSIA-Certified Dryer Exhaust Technician, an executive board member of the South Central Hearth, Patio & BBQ Association (SCHPBA) and a member of the National HPBA Governmental Affairs Committee.

About HPBA
The Hearth, Patio & Barbecue Association (HPBA), based in Arlington, Va., is the North American industry association for manufacturers, retailers, distributors, representatives, service firms and allied associates for all types of barbecue, patio and hearth appliances, fuels and accessories. The association provides professional member services and industry support in education, statistics, government relations, marketing, advertising, and consumer education.

About CSIA
The Chimney Safety Institute of America (CSIA) is a nonprofit organization governed by a board of directors dedicated to the education, training, and certification of chimney and industry related professionals. In addition to passing a rigorous examination and re-certifying every three years, each person wishing to hold a CSIA certification must also agree to abide by a stringent Code of Ethics. CSIA Certified Chimney Sweeps have been spotted on Good Morning America, Dateline and 20/20, in the New York Times, Consumer Reports and Popular Mechanics, among many other national, regional and local publications and media.

Harky's Chimney & Home Services, LLC
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Harky's Chimney
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Source: EIN Presswire

What are preserved plants and why are they the newest revolutionary interior design concept?

Preserved moss frame

Preserved plants wall forest type

Preserved plants moss logo for your company

Preserved plants moss logo for your company

Americans are in love with these new natural plant walls that do not need water keeping their fresh look for many years.

Preserved plants provide the freshness of natural plants at the convenience of the artificial plants.”


WASHINGTON, DC, USA, September 29, 2019 / — There is a need for a more rapid sustainable transition in energy, buildings, transport and cities.

Effective energy waste in buildings is key to achieving climate and societal goals that aim at reducing global carbon. Office buildings and residences account for almost 40 percent of global energy-related carbon dioxide and play a major role in a sustainable transformation. Studies show that green buildings reduce day-to-day costs year-over-year.

LEED (Leadership in Energy and Environmental Design) is the most widely used green building rating system in the world. LEED buildings have reported almost 20 percent lower maintenance costs than typical commercial buildings, and green building retrofits typically decrease operation costs by almost 10 percent in just one year.

Available for virtually all building, community and home project types, LEED provides a framework to create healthy, highly efficient and cost-saving green buildings. This is the reason why many builders, architects and interior designers opt for using plants in every new project. But natural plants have high maintenance costs that average at about $500 a week, not including the water consumed.

A new trend has been going on for few years now that aims at introducing a better way of creating a green building at a low cost – preserved plants for interior design. Preserved plants are 100% natural plants. They are the result of a unique process of plant preservation in which the natural sap is replaced with a special solution, that will preserve their aspect, freshness and scent for many years, with no need of soil, water or sunlight.

Preserved plants, preserved mosses, preserved green walls and preserved trees by Preserved Plants USA, the leading preserved plants company in North America, are perfectly suitable for the business world: they do not need any kind of maintenance and are not subject to climatic attacks typical of indoor places (lack of light, climate shock due to heat in winter and A/C in the summer) so it is possible to have quality plants throughout the year in a closed setting.

The advantages of preserved plants is that they provide the freshness of natural plants at the convenience of the artificial plants. Moreover, the benefits include:
– no need of irrigation
– no need of soil
– no need of light
– no growth: the volume remains constant and controlled
– no dust: unlike artificial plants preserved plants do not have static electricity
– low carbon footprint: preserved green walls are much more efficient than living walls and plants due to their longevity and low energy consumption such as no water irrigation, specific light, soil infestations, trimming and pruning and periodic maintenance.
– live for many years: Plant walls do not need maintenance and their life cycle is close to 10 years.
– they qualify for LEED credits

Having indoor preserved plants in the work space or at home has extremely beneficial effects on your health. Studies have shown that having plants in office environments has an influence on decreasing fatigue, colds, flue symptoms and even headaches as sickness rates fell by more than 60% in offices with plans.Offices with preserved plants and flowers have proven rates of reduced absenteeism, increased workers’ efficiency, productivity and mood. In hospitals, preserved plants presence have shown speedy recoveries. Patients have lower heart rates and blood pressure and require less pain medication. Plants also increase mood and help with anxiety and stress.

Preserved plants are only for indoor use. While they do not need special lighting, to ensure freshness and best life duration it is recommended that you keep them in a air controlled environment with humidity levels not higher than 70%.

Preserved Plants
‪‪(202) 892-3992​
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Source: EIN Presswire


IPCC Report Panelists

Dr. Michael Oppenheimer, IPCC Author and Albert G. Milbank Professor of Geosciences and International Affairs at Princeton’s Woodrow Wilson School

No Silver Lining Without Dramatic Changes in Policy on a Global Scale

You can hear movements within receding glaciers when you stand on them, and these desperate murmurings should not be witnessed idly. Nature is giving us a very clear message.”

— Rt. Hon. Katrín Jakobsdótti, Prime Minister of Iceland

NEW YORK, NY, USA, September 28, 2019 / — The Intergovernmental Panel on Climate Change’s (“IPCC”) Special Report on the Ocean and Cryosphere in a Changing Climate (“the report”) made international headlines when it was released Wednesday at 5 am EST. The report reveals the extent to which climate change has already affected the world’s oceans and the cryosphere, which is defined in the report as “the components of the Earth System at and below the land and ocean surface that are frozen, including snow cover, glaciers, ice sheet, ice shelves, icebergs, sea ice, lake ice, river ice, permafrost, and seasonally frozen ground.” The report also provided myriad projections that reveal the probable effects on the oceans and the cryosphere if the world’s nations either fail to or fulfill their duties as established by the 2016 Paris Climate Agreement—namely, to keep the average global temperature increase to well below 2 ̊C above pre-industrial levels.

The report is clear: Failure to meet the bar set by the Paris Agreements will be catastrophic for humanity, as well as species that lack the ability to quickly adapt to dramatic changes in their ecosystem.

To better understand the report, three of its authors—Dr. Michael Oppenheimer, Dr. Ben Orlove, and Dr. Robert DeConto—as well as two additional scientists, Dr. R. Max Holmes and Dr. Jennifer Francis, to speak before an audience at The Explorers Club on Wednesday evening. Following presentations by Drs. Oppenheimer, Orlove, DeConto, and Holmes, Dr. Francis joined the other four scientists on stage for a panel discussion that was moderated by host Dr. Philip Duffy, the Director of the Woods Hole Research Center and a former White House senior advisor on climate and science in the Obama administration. The event was part of The Explorers Club’s week of programming based around Climate Week.

The evening’s event began with opening statements from the Rt. Hon. Katrín Jakobsdótti, the Prime Minister of Iceland, who spoke passionately about not only the report, but some of the more salient effects of climate change, particularly how glaciers are disappearing from Iceland. She also spoke about climate change’s effects of the ocean waters surrounding her homeland. “The impact on the ocean is less visible, but no less profound,” she said, before relaying reports from several Icelandic fisherman, who claim to be seeing new species of fish that have migrated north because of warming waters. In her closing statements, she noted that you can hear movements within receding glaciers when you stand on them, and that these desperate murmurings should not be witnessed idly. “Nature is giving us a very clear message,” Ms. Jakobsdótti concluded.

Following the opening statement by Ms. Jakobsdótti, Monica Dean, a Senior Associate with the United Nations Foundation who works on Energy, Climate, and the Environment, provided the audience with some preliminary information about the immense scope of the research required to produce the report, describing it as “the most ambitious report cycle the IPCC has ever undertaken its 30-year history.” To draft the report, Ms. Dean said it required 104 authors from 36 countries, who worked for two years and assessed over “6,000 different sources of literature” and reviewed “31,000 government and expert comments.” After completing the report, the authors spent five days with delegates from 195 countries to approve a 42-page summary for policymakers.

The first of the presenters, Dr. Ben Orlove, was one of the lead authors for the report’s section on mountains. He described how mountain glaciers in low- and mid-latitudes of the Earth are shrinking due to warmer air temperatures. Dr. Orlove also detailed how these glaciers and the usual runoff they produce from seasonal thawing contribute to rivers that are then used as a water source for peoples living in high altitudes. Increased runoffs due to warming temperatures, however, can lead to damaging floods and landslides. Should the process of deglaciation progress more rapidly, the results will not only be more flooding and more landslides, but the eventual disappearance of the glaciers. This will devastate communities in proximity to these rivers by severely restricting their water sources. Warming temperatures may also mean less snow in mountain regions, further denuding water sources during the spring thaw and threatening local economies, especially if they are based on agriculture or tourism.

Dr. Orlove added that the disappearance of glaciers has altered the topography of mountainous regions, thereby making some areas impossible to traverse. This can have a cultural—as well as an economic and environmental—impact. Many UNESCO World Heritage Sites and mountains that are sacred to mountain cultures may be damaged or become inaccessible. France’s Mount Blanc, for example, may cease to be white.

The next presenter, Dr. Rob DeConto, was one of the lead authors for the report’s section on polar regions. Dr. DeConto presented a sobering look into how climate change is affecting glaciers in the Earth’s polar regions. He focused most of his attention on a series of graphs included in the report (see page 6 of the summary) that paint a picture of two vastly different scenarios.

In one, we continue on our current trajectory. If we follow this path, changes will become more pronounced in the future as the forces contributing to climate change compound and the effects (temperatures, sea acidification, ocean heat waves, etc.) become exponential in nature. Dr. DeConto, an expert on ice sheet dynamics, also noted that sea level rise could exceed previous projections because of changing dynamics within the Antarctic ice sheet system. Scientists did not fully understand the dynamics of this system until relatively recently. However, Dr. DeConto said the report shows that “Antarctica has the potential to contribute much more to sea level than we were thinking just five years ago.” Particularly after 2100, this could mean several meters in sea level rise. This will have a tremendous impact on existing coastal communities, especially small island nations.

The other path, which is more likely if we comply with the conditions of the Paris Agreement, shows these negative trends slowing or stopping entirely. In attempting to strike an optimistic tone, Dr. DeConto concluded, saying, “Even though there is going to be an ongoing increase in sea levels…you don’t turn the ice sheets around in decades or even centuries, but you can see it’s a much, much rosier picture with perhaps less than a meter of sea level rise even centuries out into the future, and that’s something that I think we can all probably deal with and tolerate.”

Dr. Michael Oppenheimer, the next presenter, was one of the lead authors for the report’s section on sea level rise. Dr. Oppenheimer opened his remarks with a call for hope, but tempered this by admitting that his initial response to the findings was, “There’s a lot for us to do.” This especially pertains to adaptions and emissions reductions that can mitigate the effects and acceleration of sea level rise. Unfortunately, he noted that, “We’ve fallen further and further behind.”

Dr. Oppenheimer focused on a future in which sea levels continue to rise unabated. In this scenario, storm surges “will be riding on top of a higher sea level, so…the storm surge goes further inland.” Consequently, flooding in coastal areas becomes more common and so-called 100-year weather events become relatively common occurrences. By 2050, in many places around the world (including the East Coast of the United States), these storms may become annual events. Without adaptations and attempts to curb emissions, many coastal areas and small island nations will cease to be inhabitable without tremendous amounts of capital to either rebuild structures to accommodate frequent flooding or create barrier systems that keep sea water out.

The final presenter, Dr. Holmes, is a Senior Scientist and Deputy Director at the Woods Hole Research Center. Dr. Holmes spoke about the section of the report that focused on permafrost. “Permafrost is frozen ground,” he said. “It’s technically defined as ground that’s at or below the freezing point of water for two or more years consecutively, but in practice it’s ground that’s been frozen for hundreds or thousands or tens of thousands of years.” Permafrost can be found underneath approximately 25 percent of the land area in the northern hemisphere.

Dr. Holmes said that as much as 70 percent of the near-surface permafrost in this region may be lost by 2100 due to rising air temperatures. On top of potentially damaging animals and people who rely on ecosystems underlaid by permafrost, thawing permafrost may release a great deal of carbon into the atmosphere, thereby contributing even more to climate change. To put into context just how much carbon is locked in the artic, Dr. Holmes explained that there are currently 850 billion tons of carbon dioxide (CO2) in the atmosphere; that there is approximately 500 billion tons of carbon stored in the vegetation around the world; and that there is 1,200 billion tons in existing fossil fuel reserves. In permafrost, “the thing that doesn’t get much attention…there is around 1,500 billion tons of carbon,” he said.

As permafrost thaws, bacteria begin to consume the organic matter that both contains the carbon and has been frozen, thereby releasing both CO2 and methane into the atmosphere. By 2100, Dr. Holmes said the report estimates that, in the best-case scenario, this will translate into “tens of billions of tons of carbon released.” If we do not act, he said, “We’re talking something over one hundred billion tons.”

The subsequent discussion began with a remark by Dr. Francis that seemed to capture the mood of the audience: “Thanks everyone for all that terrible news.” She added that, though the report does paint a ominous picture of the future if we fail to act, “One of the things this report does really well, and one of the reasons it’s so important, is because it’s really highlighting the changes that are going in two really important parts of the climate system: the oceans and the polar regions.”

Dr. Francis then emphasized that there is a vicious cycle in these parts of the climate system, wherein phenomena associated with global warming amplify one another. She used the melting of arctic sea ice as an example: “So far, we’ve seen the artic sea ice disappear by 75 percent in only 40 years.” As temperatures warm, more sea ice melts; as more sea ice melts, less solar energy is reflected back into space and is instead absorbed by the ocean; as the ocean absorbs more of the sun’s energy, temperatures warm; and so on, ad infinitum. According to Dr. Francis, this positive feedback loop “is causing the arctic to warm two to three times faster than just about anywhere else on the planet.” Additionally, this contributes to the thawing of permafrost and the melting of glaciers, particularly in Greenland.

Following the discussion, Mr. Julio Cordano, Chile’s Deputy Lead Negotiator for Climate, provided closing remarks. He noted that, while there needs to be more conversations between nations to address climate change, there is also a narrow window of opportunity. In the near future, he hopes that “we will be able to say we have a very substantial alliance of countries that are willing to increase their ambition and hopefully address the enormous amount of work that we need to do.”
This tone of conditional confidence in humanity’s ability to save itself from its own myopia had resonated among all speakers throughout the night. While the report makes clear that the effects of climate change will be severe if humanity does not work to reduce emissions, each of the scientists emphasized that adhering to the goals of the Paris Agreement will lead to significantly less grim results.

Dr. Oppenheimer described himself as an optimist in his opening remarks, adding: “It doesn’t pay to be paralyzed by gloom and doom.”

“We have the tools at our disposal,” he later added.

Meanwhile, Dr. Orlove claimed: “There’s twice as much glacier loss between now and 2100 with high emissions as there is with low emissions.”

Even Dr. DeConto expressed a hopeful tone while pointing to the two potential trajectories for the Earth’s oceans. Highlighting the projection that does not portend imminent doom, he said, “There’s still a lot of good news in this story.”

Dr. Holmes took a bolder approach: “Best case scenario is a hell of a lot better than the worst case scenario.”

A full recording of the event can be found on The Explorers Club’s Facebook page:

Kimberly Macleod
+1 917-587-0069
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Video Recording of The Intergovernmental Panel on Climate Change’s (“IPCC”) Special Report on the Ocean and Cryosphere in a Changing Climate

Source: EIN Presswire

Your Home Sold Guaranteed Realty Held the 2019 Q4 Staff Appreciation Dinner

Your Home Sold Guaranteed Realty 2019 Staff Appreciation Dinner

PASADENA, CALIFORNIA, UNITED STATES, September 27, 2019 / — Last Friday, September 20th, 2019, Your Home Sold Guaranteed Realty held a Q4 2019 Staff Appreciation dinner at the Gyu-Kaku Japanese BBQ Pasadena, CA. They conducted a small get-together and a dinner as a way of saying thanks for the success they accomplished and being one of fast-growing real estate company in the country. This success is achieved through the efforts of the hardworking staffs and their valuable clients.

Together with the event, Your Home Sold Guaranteed Realty also launched the company's employees’ benefits, which includes Retirement plan assistance (IRA, SEP-IRA, 401k, profit sharing, and defined benefit plans), Life insurance, Health insurance, Basic financial analysis, Property and casualty insurance, Captive insurance consultation, Estate planning, Tax advising/services, and Entity Formation.

This benefit was formed as part of their company’s vision, mission, and core values. Whereas their company vision is to be the best place to work, buy, and sell real estate in California, to become the best stewards for our shareholders, and give our best to our community. It is also their mission to help others to achieve what they desire and to serve everyone as big as they can.

“Our commitment to our team members is to give them the place to work, inspire, and empower them to achieve their goals. We also value a good relationship with them, and we treat them as one part of the family. We believe that helping each other to rise and become successful is the best way to do it, and we make sure that no one will get behind,” said Rudy L. Kusuma.

Your Home Sold Guaranteed Realty Inc. is committed to becoming the best place to buy and sell real estate for their clients and making sure they will receive the best and the right amount for the real estate sale. They also assure to become a shareholder’s best stewards and to give their very best to the community.

About Your Home Sold Guaranteed Realty, Inc.:

Your Home Sold Guaranteed Realty Inc. is a real estate company with an operating value to serve big their customers. This also goes the same for the prospective homebuyers and sellers, real estate agents, brokers, and team leaders. Together in Your Home Sold Guaranteed Realty Inc. Everything is possible. Be one of the successful real estate agents in the country.

The real estate company in California are highly recognized as result-driven, embraced continues improvement and value relationships by expressing gratitude. They are one of the best real estate brokerage in the region that inspire and empower others.


For more information about Your Home Sold Guaranteed Realty Inc., visit their website at For individuals who are planning to make a move in the next 3-6 months, or if they are interested in joining or building a team with them, and for any other concerns, just send an email to

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Source: EIN Presswire

To Broker or No To Broker – That Is The Question

To Broker or No To Broker - That Is The Question

To Broker or No To Broker – That Is The Question

As the community of British Expats continues to grow, many Expats remain unaware that they are able to obtain a mortgage on UK properties despite living abroad.

In the 12 years Liquid Expat Mortgages has been providing Expat mortgages worldwide, we have seen a consistent shift towards using regulated brokers such as Liquid.”

— Stuart Marshall

MANCHESTER, UNITED KINGDOM, September 27, 2019 / — There are now an estimated 5.5 million Britons living abroad which is almost 1 in 10 of the UK population. As the community of British expats continues to grow, many expats remain unaware that they are able to obtain a mortgage on UK properties despite living abroad. So, if an Expat can apply for a mortgage the big question is “Do I use a Broker or Try to sort out a mortgage directly?”

Initially, using a mortgage broker might appear to be unnecessary. However, if you are an expat looking for a UK mortgage, it might prove more prudent and beneficial than you think to use an expert mortgage broker who can more clearly tailor the wide-range of mortgages available to your specific needs as well as guiding you through the potential minefield of applying for a UK Mortgage whilst living outside the UK. Stuart Marshall of Liquid Expat Mortgages believes that there is much to consider when applying for an expat mortgage. “As a result of legislative changes, most notably in the Mortgage Market Review in 2014, mortgages have become harder to obtain. One other result of the new legislation is that using a mortgage broker is now a much safer, and more tempting, proposition. Mortgage brokers must now conduct rigorous and comprehensive financial assessments of each of their clients and this means that the range of mortgages that you will be offered will be more neatly tailored to your financial needs.”.

Liquid Expat Mortgages sees why people might opt to go direct to a lender? “On the face of it, this option may seem cheaper and therefore more attractive, especially when coupled with the expense of buying a first house or moving. However, the choice to go direct to a lender can add time and stress to the process of obtaining a mortgage, not to mention the long term expense you might incur if you opt for a bad mortgage. Sure you save a broker fee but even with a good understanding of the mortgage market, opting not to use a broker might mean missing out completely as some brokers have unique access to not only a larger range of mortgages but also some exclusive deals with lenders. What’s more, they can help make getting a mortgage stress-free by quickening the application process, ensuring all paperwork is in order so the application is not rejected and applying for mortgages that you are likely to be accepted for because of circumstances, type of property and so on.”

So whilst it’s always tempting to go direct in order to avoid broker fees, it doesn’t always mean you will save money in the long run or ultimately achieve your objectives without financial impunity. “ Don’t forget when applying for a mortgage direct with a lender, the advice you receive will refer only to their own products rather than an impartial and comprehensive view of the market on the whole which ultimately means that the customer should always be asking the question, “ Am I getting the best deal around for my needs?”

On the other hand, whilst mortgage brokers will charge a fee for their service, this shouldn’t be seen as prohibitive since a broker can: utilise their expert knowledge in the field for your benefit and tailor their advice to your financial situation. When you factor in exclusive broker deals, access to the whole of the mortgage market and the time and effort you will save by using a broker to deal with lenders and underwriters. “In the 12 years Liquid Expat Mortgages has been providing Expat mortgages worldwide, we have seen a consistent shift towards using regulated brokers such as Liquid. Over time expats have realised close up the difficulty in dealing directly with a lender as well as the sheer amount of effort and time required to produce the relevant paperwork and documentation needed by lenders to facilitate borrowing. Ultimately a customer has to do what is best for their needs at the time. I would though advise they explore both options – that is direct with lender and using a broker – before setting out on getting your mortgage.”

Sergio Pani
Ulysses Communications & Promotions
+44 161 633 5009
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Source: EIN Presswire


Michael Ingui at AIA

Michael Ingui, Baxt Ingui and PHA

Passive House Accelerator logo

Baxt Ingui Architects Partner Issues Call to Climate Action

Passive House Accelerator's mission is to bring people together to share projects, collaborate on ideas and promote Passive House as part of the climate change solution and a call to climate action.”

— Michael Inqui, Baxt Ingui and Passive House Accelerator

NEW YORK, NY, USA, September 27, 2019 / — The New York chapter of the American Institute of Architects (AIANY) held a panel discussion on historic preservation and carbon reduction yesterday evening at the Center for Architecture in Lower Manhattan. The event was organized by the AIANY Historic Buildings Committee and the AIANY Committee on the Environment. Panelists included Michael Ingui, a Partner at Baxt Ingui Architects P.C.; Jeff Murphy, a Partner at Murphy Burnham & Buttrick; Cory Trembath Rouillard, an Associate Partner at Jan Hird Pokorny Associates; and Paula Zimin, the Director for Sustainable Building Services at Steven Winter Associates. The discussion was moderated by Scott Henson, the Principal for Scott Henson Architect.

The goal of the event was to explore the intersection of sustainability and preservation, as it is often believed that the two are anathema. However, with the passage of the Climate Mobilization Act, owners of older buildings in New York City will need to find a way to comply with stricter efficiency standards or face steep fines.

While it is often believed that such retrofits are either prohibitively expensive or cannot be done without compromising the historical integrity of the structure, this is not the case when owners make improvements that utilize the Passive House methodology. Ingui was ardent about both points in his presentation, showing clear evidence that structures that comply with Passive House standards are indistinguishable from typical homes, even if these homes are designated or protected historic landmarks.

“Many of our projects, particularly in neighborhoods like Brooklyn Heights and Park Slope, are in historic districts,” Ingui said. “Passive House does not necessarily affect the aesthetic of building fenestration or facades. It’s also affordable. True, it increases retrofit costs by somewhere in the ballpark of five percent, but it ends up paying for itself in just a few years through energy savings.”

A home that is built to the Passive House standard is extremely well sealed and well insulated, thereby reducing homeowners’ cooling and heating needs by between 80 percent and 90 percent. Certified Passive House buildings oftentimes only use their heat for a few days in the winter, even in New York City.

Because it is Climate Week and because Passive House has the potential to significantly improve efficiency and reduce building emissions, Ingui asked those in attendance last night to take a pledge to be more supportive of Passive House. One way that architects can do so is to join Passive House Accelerator, a site Ingui launched earlier this year and for which he has written several articles.

“The goal with Passive House Accelerator is to bring people together and to use Passive House as one part of the solution to climate change,” Ingui said. “Passive House Accelerator is a way for architects, designers, and contractors to learn about events, share their projects, and collaborate on ideas that can promote the net zero and Passive House movements. We have the tools at our disposal—it’s time we start using them.”

To learn more about Passive House Accelerator, visit

Kimberly Macleod
+1 917-587-0069
email us here

Source: EIN Presswire