The Real Estate Investors‘ All-Cash Formula For Buying a House

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As you move forward into the business of buying and selling houses, you’ll need to start looking at how successful investors make offers. Let’s say you already have your marketing in place. You’re getting leads, and you know how to pre-screen those leads by asking three questions:

1. Is the house pristine or neglected (pretty or ugly)?

2. Can you buy the house with immediate equity built in the day you buy it, or can you create equity?

3. What is the degree of the seller’s motivation? The way you can answer that is by looking at the WWOW:

W: What is the property WORTH (value)?

W: How much do they WANT (asking price)?

O: How much do they OWE (the loan balance, if any)?

W: WHY are they selling (their motivation)?

Let’s say a lead comes in on a property estimated to be worth $100,000 (after the house is fixed-up) by a certified appraiser, but the seller is asking for $75,000. They owe nothing on the house, and the reason they’re selling it is because it was inherited.

You’ve now got clues to answer all three of the questions above. To the seller, that house is little more than a free pile of money gifted to them from a relative. Not only are they not emotionally attached to it, but they are telling you by their asking price that they are willing to give up $25,000 worth of equity. That immediately answers questions two and three. You know you’ve got them leaning in the right direction. Their motivations are in your favor.

By looking at the average house price in the market of the lead, you can tell whether it’s a pretty house or an ugly house. In this case, let’s say the market average in that area is $200,000. With this house being below market average (because it’s only worth 100k) we would lean toward this probably being an ugly house, most likely needing some degree of repairs. Now there are really only two buying strategies when it comes to buying ugly houses-either All-Cash or Split-Fund!

The other four buying strategies are for pretty houses only because your exit strategy for getting rid of a property that you get a deed on, for example, is to owner finance or lease option that property when you sell it. You’re taking over someone else’s mortgage and then you’re going to create financing with your buyer that wraps around the mortgage that you took over. You are only going to do that with pretty houses because you’ll be selling to a higher-end buyer-they’re usually more responsible and can pay bigger down payments.

Even if you can get a super deal on a house buying all-cash, you never do it on a pretty house because there are only two ways to lose money in real estate-writing a big check to buy a house or signing your name to a big bank loan in the process of buying. Even if you could get an $800,000 house for $500,000 all-cash, you don’t violate those rules. Not that it’s out of the question that this can turn out to your benefit, but it’s rare-it’ll happen maybe once or twice in your entire career as a real estate investor, if at all. As a rule, it’s a safer bet to take an option on a pretty house rather than risk your cash.

So we’re going to focus on the all-cash strategy in this example.Since we’ve determined that it’s an ugly house, we have to consider that it will need repairs. You don’t have to be absolutely accurate about what that estimate will be. In fact, you can underestimate and still not get hurt badly because when you’re using the all-cash formula, you’ll be guaranteed to turn a profit. Based on what the owner says the house needs-new paint, carpets, minor upgrades as such-we can make a ballpark estimate that repairs will cost about $10,000. So what can you offer based on this scenario?

The maximum offer for an all cash purchase is 65% of the ARV (After-Repair Value) of the house.

That leaves a 35% profit, hedge factor, cushion, whatever you want to call it. For this example, let’s say the ARV, based on legitimate comps, confirms that the house is indeed worth $100,000. Multiply that by .65, then subtract the$10,000 in repairs, and your maximum offer would be $55,000.

The reason why we buy at 65% is because we leave open one of our selling strategies-wholesaling. When you wholesale the house to someone, you’re typically selling it to an investor who is going to buy it in cash from you, then rehab it and sell it again. When you buy at 65%, you can typically sell it fairly quickly to an investor at 70%, turning a 5% wholesale profit.

This formula only changes when you write a check and pay cash for a house when you current real estate market conditions declining in value. In such cases, you may want to lower your buying all-cash formula factor down from .65 to .50. Before you make the offer, make sure you have reliable comps on the house and include a repair estimate, a ballpark number that’s reasonably considered. Also, when making an offer, you don’t want to come out of the gate making your MAO (maximum allowable offer). You might want to start out around $48,000 in this case, or wherever you’d like, but you know that the most you will offer is your MAO of $55,000.

If we’re writing a check for anything, we’re either getting it at a great discount or we’re not doing it. As long as the ARV is correct and you factor in repairs somewhat accurately, you will never get hurt using this formula.

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Source by Tim C Taylor

The Business of Running a Bed and Breakfast

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Running a Bed and Breakfast („B&B“) sounds great at 5pm rush hours in the streets of Manhattan during the cold of winter. The fact is it can be a real job. Let me give you a taste of what it’s like in the life of a typical B&B owner.

Imagine it is 8pm on a Friday in the middle of summer at your lovely B&B. You just finished clearing out the dining room, in which your guests recently indulged in some light fare and beverages. You’re tired. It’s been a long day. You’re about to begin to do the dishes, which will take you an hour or so, and the phone rings. It’s John Smith, a late arrival guest, who was to check-in at 9pm. He tells you he will be there no later than 10pm.

It’s now 9pm, you’ve just finished the dishes and now you are tossing the dirty towels into the laundry and gathering up new towels, to replace the old ones in the bathrooms. This takes you another hour or so. You check your watch. It’s 10PM, no John Smith. „Where could he be?“ you wonder to yourself. You check the phone for any messages, none. At 10:30pm the phone rings. It’s John Smith. He is on the Garden State Parkway at exit 117. He should be there in about ½ an hour. At 11pm John Smith finally arrives. You check him in, show him his room and at 11:20pm you rush to your bedroom to hit the sack because you promised early riser, Julie Murphy, you would have fresh coffee and a continental breakfast for her at 6am. If you’re lucky you pass out from exhaustion at 11:45pm and squeeze in just over five hours of sleep.

Welcome to the tranquil world of B&Bs. Not your typical day, but you get the idea. My point is this, managing a B&B not as easy as you would think. It can, however, be everything you thought it would be as long as your thoughts are anchored in reality.

The level of your attention to detail, along with your B&B’s location, can make your B&B a real success or a real nightmare. During your B&B’s busy season (primarily May-September in the Northeast) you are always on the go. Your hours are dictated by the hours of your guests. A late arrival can keep you up late and an early riser might require that you wake up at 5am.

Frequently Asked Questions

What constitutes a B&B? Generally speaking anything larger than 5 rooms is considered an Inn and anything less is considered a B&B.

How do you know if your B&B is successful? 100 nights, out of a year, filled to capacity, is a good year.

Can you make a living running a B&B? In most cases you will need about six rooms to make a living at it. Anything less is just supplemental income. If a host wants to make a living at a B&B they must open an Inn.

What are the biggest problems facing B&B hosts? Typically, it’s the attention to detail required of a well run B&B and last minute cancellations or guests just not showing up.

Should you list your B&B with a reservation service agency („RSA“)? If this is your first B&B and you are just starting out, the answer is a definitive yes! Here’s why. A good RSA provides a number of valuable services. First and foremost they can drive business to your B&B. Many RSAs provide brochures to state-run Welcome Centers. Some RSAs reach out to local businesses and special-events coordinators. When a potential guest takes one of those brochures and calls the RSA they will provide the prospect with B&Bs that meet their geographic and personal needs. Other advantages of joining an RSA include valuable advice about how to run the B&B. Many RSAs will usually come to your B&B to see if it has the right set up for accommodating guests.

They typically bring along a checklist and go through a type of inspection process. Soon you will find out just what strengths and weaknesses your B&B has. Oftentimes, this service is offered free of charge, as an initial consultation, The RSA will do this as a way of determining if your B&B meets their minimum standards. This inspection helps flesh out the problems inherent in your B&B. If you pass the inspection, the RSA will be interested in listing your home. Typical operational services an RSA provides, beyond those mentioned, include answering phones, e-mail/mail inquiries, screening and matching guests with hosts. They will send confirmations to guests who make reservations. Some even send out regular newsletters to hosts and help hosts with record keeping and tax preparation. All of these services, of course, come at a cost. Generally, an RSA’s commission will be between 20-25% of the rental income from the guests they book.

How much should you charge per room per night? Most B&Bs charge a minimum of $100 per night for a double occupancy room. Depending on your geographic location this amount could be significantly higher or lower.

What kind of costs/expenses can you expect to incur in your B&B? Expenses in running a B&B include food, beverage, coffee filters, soap, shampoo, facial/toilet tissue, cleaning supplies, cleaning help, laundry, new sheets, paint, repairs, linens, bedding, towels, fresh flowers, new mattresses, advertising/promotion, office supplies, dues/subscriptions, business cards, reading lamps, telephone, internet access, commission to your RSA, membership fees to local business organizations (i.e. Chamber of Commerce), insurance, utilities, accounting fees, legal fees, income tax, real estate tax and mortgage interest,.

What type of accounting or bookkeeping system is needed in a well run B&B? Accounting for a B&B does not have to be that complicated. Your options are a manual accounting system or a computer-based one. A manual accounting system could be as simple as a checkbook, accordion file and some envelopes. The accordion file should have twelve compartments for each month. Include envelopes for your main expenses in each compartment and place your expense receipts in each expense envelope. For those expenses that do not fit neatly into any one category, include a „miscellaneous“ envelope. At the end of the month tally up your expenses on a control sheet which lists the expenses on the left and a column for each month on the right. Subtract the month’s total from your receipts for the month and you will know how much money you made or how much you lost. A computer-based system should be one that is simple to use. I recommend QuickBooks as it is one of the easiest accounting software programs to learn and use on the market. A few hours with your accountant, learning QuickBooks, can save you many more hours of trial and error, not to mention frustration and stress, down the road. If you feel that you don’t have the attention to detail in keeping even a rudimentary accounting system then use your checkbook as your accounting system. Make sure every expense you incur, however, is run through your checkbook or a specific credit card is used only for business purchases, if you are not good with keeping receipts.

Should I organize my B&B as a sole proprietorship, partnership, corporation or LLC?

This is not an easy question to answer. Before we get to that answer let me touch on how the B&B should be owned. I would recommend that the B&B be owned personally. The reason is that there are tax advantages to owning the B&B personally. One major tax benefit is the personal residential exclusion of any gain of up to $500,000 ($250,000 for single taxpayers) on the personal residence portion of your B&B. Another reason is that this direct ownership better facilitates the use of a tax advantaged sale of the B&B using a like kind exchange, which allows the seller to defer taxation of any gain from the sale of the B&B, as long as like kind property (real estate) is acquired within six months from the date of the B&B’s sale. With a direct personal ownership structure you could lease the B&B to the legal entity that will be running the business. In no case would I run the B&B business as a sole proprietorship, since a sole proprietorship has unlimited liability.

My first choice would be a corporation in which an S election was made. The S corporation offers the best limited liability protection, even better than an LLC or a partnership. Here’s why. In an LLC your personal liability is limited, in the case of a lawsuit for some type of negligence, but only if you did not personally cause the negligence or injury (i.e. an employee was responsible for the negligence or injury and you did not direct that employee to perform that act). If you had something to do with the negligent act, you and all of your personal assets can be at risk. In a partnership, as a general partner, you may be held personally liable for any negligence or injury, even if caused by an employee. In a corporation, only the corporate assets are at risk. Your personal assets are safe. Personal liability at the corporate level would require „piercing the corporate veil“, something that is very hard to do given the long history of corporate case law precedence limiting this. In an S corporation, any net income or net loss and certain other tax items will flow through to your personal income tax return, as an S corporation is a pass-through entity.

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Source by Thomas Corley

Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

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Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, „insurance specialist“ will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views „insurance agent “ look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance pro

39. 65,100 = insurance sales rep

40. 60,000 = insurance designer

41. 59,400 = insurance sales person

42. 55,600 = life consultant

43. 54,500 = group agent

44. 52,200 = ins agent

45. 50,100 = estate adviser

46. 50,000 = insurance pros

47. 46,800 = insurance counselor

48. 43,800 = financial pro

49. 43,400 = insurance salesperson

50. 40,200 = insurance sales specialist

51. 37,700 = life producer

52. 37,000 = insurance sales executive

53. 35,400 = independent insurance brokers

54. 34,700 = long term care professional

55. 34,500 = financial planning advisor

56. 33,900 = medical insurance specialist

57. 31,300 = health insurance professional

58. 29,300 = life insurance expert

59. 29,000 = insurance rep

60. 28,900 = financial planning advisor

61. 27,500 = health insurance specialist

62. 26,000 = health insurance advisor

63. 25,500 = independent insurance professional

64. 24,700 = employee benefits specialist

65. 24,000 = life advisor

66. 22,900 = life insurance advisor

67. 21,800 = life insurance sales specialist

68. 19,900 = life insurance professional

69. 19,300 = insurance producer

70. 19,200 = licensed financial planner

71. 16,200 = health insurance producer

72. 14,900 = insurance sales consultant

73. 14,000 = term life insurance broker

74. 12,800 = long term care specialist

75. 12,700 = annuity specialist

76. 12,500 = estate planning specialist

77. 12,200 = insurance marketer

78. 11,950 = life insurance representative

79. 11,900 = insurance planner

80. 10,600 = insurance sales professional

81. 10,400 = life insurance advisor

82. 10,200 = insurance writer

83. 9,650 = insurance recruiter

84. 9,480 = financial planning advisor

85. 9,030 = estate planning advisor

86. 8,570 = annuity broker

87. 7,520 = insurance general manager

88. 7,070 = insurance trainee

89. 6,800 = long term care insurance specialist

90. 6,670 = term life insurance agent

91. 6,440 = long term care insurance agent

92. 5,870 = licensed life agent

93. 5,300 = financial insurance agent

94. 5,270 = annuity agent

95. 5,080 = ins professional

96. 5,030 = medical insurance professional

97. 5,010 = disability insurance agent

98. 4,990 = employee benefits professional

99. 4,430 = mortgage insurance agent

100. 4,200 = disability insurance specialist

101. 3,900 = long term care agent

For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.

If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.

Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing „insurance agent for many products“, try this, „medical insurance professional and disability insurance specialist.“ Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an „insurance agent“ search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.

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Source by Donald Yerke

Buying a Home Faster Than Your Competition – 6 Secrets to Winning the Offer Race

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Some frustrated home buyers are being shut out of today’s real estate market because other buyers always seem to get there first. They want to buy. They’re qualified to buy. But by the time they can make an offer, it seems someone else has gotten there first.

Here’s an example from a question someone recently asked:

There have been about 16 properties overall that my agent and I viewed or I was very interested in. I am beginning to feel that either the agents, banks or whoever is on some kind of inside knowledge. As sometimes I maybe on the way to look at a property that was just listed. Then I would get a call from my agent that it just went under contract… I look at about 6 to 7 sites daily, and she does her part but I am on a deadline. But even today, I saw a home that was just listed, and then she calls back and say that it was under contract. It makes no sense, She says that it went under contract May 4th, and it was listed May 3rd, but it was not even shown on the MLS, or any of the sites until today. What gives? It’s like someone call their friend before it’s listed, and they have the inside knowledge. It’s really frustrating.

Does some of that sound familiar? Here’s how I answered, offering some insider tips on how to get there before the competition:

The first clue something was wrong is that the question asked on May 24. However, the would-be buyer said the house was listed May 3 „but it was not even shown on the MLS… until today.“ There’s something seriously wrong there. (The MLS is the „multiple listing service,“ an online database agents use to list homes.) Most MLS systems (probably all – it’s a nationwide collection of local systems) have regulations on posting listings quickly. There shouldn’t be a 3-week lag between an agent taking a listing and posting it on the MLS. If that happens to you, ask your Realtor to look into that. Either it wasn’t really listed on the 3rd, or it appeared way before the 24th. There shouldn’t be a 3-week lag. My guess: It was listed on the 3rd, but the sites the buyer was looking at didn’t show it until the 24th. Solution: Use the right sites.

Keep reading to find out which ones they are.

Second, I asked the buyer why she was looking on 6-7 sites daily. It’s only necessary to use one – any one that is connected to the MLS. Your local Realtor probably will have a link on his or her site to search the MLS. Or for anywhere in the country, go to http://www.Realtor.com. There are many other sites – Zillow and Trulia, for example – but they receive the same feeds you can find on the official MLS sites, only with some delay. And there IS a lag between the time something’s posted on the MLS and the time it may show up on other sites that receive feeds. Usually, it might just be a day or two, though, not 3 weeks.

Third, if you’re losing the race to buy a home, then have your agent announce your needs at his/her weekly agent’s sales meeting. Many agencies have weekly agent meetings, and one part of the agenda is that they’ll go around the room announcing recent listings and other activities. It’d be perfectly appropriate for an agent to say, „I’m representing a client who’s looking for a 3 bedroom, 2 bath single-family home in Fairfax Virginia for under $375,000.“ That way, agents discover properties before they hit the MLS. I’ve seen agents announce properties that they have scheduled to list in a week or two (often the owner is doing some last-minute fix-up work), and another agent will go over to the first one and say, „I have a client who’s interested in that sort of home.“ And so sometimes the listing doesn’t even make it to the MLS.

Fourth: Make sure you’re looking at FSBOs (for sale by owners), too. Those houses won’t appear on the MLS. Not today. Not tomorrow. Not 3 weeks from now. (Unless a flat rate listing service is used.) Ask your Realtor to look for FSBOs.

Fifth: Eliminate the competition. Most buyers are looking for houses for sale. Duh! So look in other places, too. Make purchase offers… on rentals. Sometimes people decide to rent out a home because they don’t think it’ll sell. Or because they don’t want the extra hassle of getting it ready for sale. Still, some landlords would like to sell. So, make an offer on a rental you see that you’d like to buy. Your Realtor can help you with that strategy and process.

Sixth: If you find a landlord who doesn’t want to sell today, offer to buy using a lease-option or lease-purchase. That way, you rent today, but usually lock in a price at which you can buy. Sometimes – for tax or other reasons – an owner just doesn’t want to sell today. So you let him sell when he wants to. But meanwhile you’ve locked up the home.

So: You’ve just learned about 6 ways to get ahead of the competition – or avoid the competition altogether – when you want to buy a home.

Happy house hunting!

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Source by Don Tepper

4 Free Sites That Will Help You Sell Your Home!

Immobilie bewerten, Immobilie Wert, Immobilienrechner, Verkaufsrechner, Immobilienwertermittlung Tel: 06227-399170 Handy: 0176-2116-9990 eMail: info@heidelbergerwohnen.de Internet: www.heidelbergerwohnen.de

In today’s housing market, it can be tough to sell your home. You need every advantage that you can get to stand above the rest of the crowd. Home buyer’s consistently site the quality and quantity of photos and available video as reasons for considering one house over another when doing their research online. And with 84% of all home buyers starting their home search online, it is important to not only have a presence there, but to do it effectively. There are four free Internet tools that you can use to help you stand out from the rest of your competition.

1. Postlets.com

The first free site to visit and take a look at it Postlets.com. Postlets is an online syndicator. They syndicate your house listing to 40+ sites online with the push of a button. With postlets, you can publish your house listing to social media sites, like Facebook and Twitter. Your listing will also be sent to sites like Zillow, Trulia, Google Base, Hotpads and FrontDoor among many others. This greatly enhances the exposure that your listing will receive across a wide demographic. You can also get HTNL code for your listing and post it on Craigslist. Don’t let the word HTML scare you. It’s a simple cut and paste scenario that everyone should be able to handle. They have a free membership that allows for an unlimited number of listings, but they only allow 6 photos per listing and no embeddable video. The PRO version allows for video and up to 18 photos per listing. The PRO version costs as little as $5 per month.

2. vFlyer.com

vFlyer.com is another online site that will syndicate your listing to numerous websites. According to the vFlyer website, „vFlyer was designed for non-technical and non-designers to create professional marketing content to promote residential homes, apartments, vacation rentals, autos, and services listings. The fill-in-the blank template approach used by vFlyer has enabled tens of thousands of people to create marketing content without any assistance“. vFlyer is our preferred provider for our house listing at LAISellshomes.com. vFlyer has a free program that will allow you up to two listings and each listing allows 8 pictures. The free membership at postlets.com only allows 6 photos. The starter plan is just $12.95 per month and allows for up to 10 listings, 26 photos per listing, embeddable video, a large selection of Craigslist layouts, and the ability to print out professional looking flyers for the listing. vFlyer has a nice Activity section that gives you the number of visits to your listing, as well as the source of that traffic.

3. Animoto

Animoto.com is a great site for creating videos from existing photos set to music that you choose. From their site… „Turn your photos & videos into pure amazing. Animoto automatically produces beautifully orchestrated, completely unique video pieces from your photos, video clips and music. Fast, free and shockingly easy.“ This is a great site that enables you to harness the power of video without video production knowledge. The FREE membership allows for a 30 second video. The upgraded version allows you to create unlimited full-length videos, each licensed for commercial use with no Animoto branding. You can also download your video and burn them to a disc to hand out to potential buyers. If you are a Realtor, imagine the surprise on the buyer’s face when you hand them a professionally edited DVD of the house that you just showed them. Who do you think that buyer is going to remember? The Realtor that handed them a traditional paper flyer, or you and your amazing video that you created? The business plan is $249 for a year, or $39 per month. Use Animoto.com to send a video of your house to a potential buyer or post it to social media sites. Or, upgrade to the business plan, download the video and embed in your postlets.com or vFlyer.com account.

4. Craigslist

Craigslist.org is a great site to advertise your house. It generates a huge volume of traffic, which translates to great exposure for your property. The easiest way to harness the power of craigslist is through either postlets or vFlyer. They both have the ability to provide HTML code that you can cut and paste into craigslist. You will then have a beautiful, professional looking brochure display of your listing on craigslist. All you have to do then is add the price and a captivating headline to get people to click through to the craiglist ad and you are in business. Here is a great tip not many people know about. Re-post your listing every 3 days. Craigslist allows you to post the same ad only once every 48 hours. By re-posting your ad every 3 days you increase the listing’s exposure by keeping the ad at the top of the listings. If you do not re-post your ad it will continue to get pushed down the craigslist ad board where people begin their search.

All four of these sites are excellent ways to increase the exposure of the house you have for sale. You will be amazed at the results you will get when you combine either a postlets or vFlyer account with an animoto video and post it to craigslist. These are great tips for Realtors as well.

Immobilienmakler Heidelberg

Makler Heidelberg


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Source by James Baxendale

What Everybody Ought to Know About Jewelry Appraisals

Immobilie bewerten, Immobilie Wert, Immobilienrechner, Verkaufsrechner, Immobilienwertermittlung Tel: 06227-399170 Handy: 0176-2116-9990 eMail: info@heidelbergerwohnen.de Internet: www.heidelbergerwohnen.de

For most of you, the thought of getting a Valuation or Appraisal on your Jewelry is NOT at the top of your list.

But it should be.

To often, clients assume that their Jewelry is either…

  • # Not Valuable enough to bother
  • # Covered by their Household insurance
  • # Safe on their Finger, so it won’t get lost

All of these assumptions are WRONG and we cover some suggestions in our Insurance article (address given below) and the security pages under the Learning Section of the Online Appraisal Center.

If you are concerned about these matters and haven’t had the chance to read them yet, we suggest you take a little side trip and cover the bases, soon as possible…

…Before the ring falls off the finger or the chain gets lost while swimming or the Diamond (was it a Diamond?)…

Get the Picture..?

That’s exactly What a Jewelry Appraisal Valuation Certificate is for.

Types of Jewelry Appraisal Valuations

The main type of Valuation or Appraisal we come across is the Valuation for Insurance. This is the one you would normally receive from your local Jeweler or Gemologist.

It is basically designed to cover you (through your insurance policy) against any loss or damage you may encounter.

It is designed to provide you, wherever possible, as near a REPLACEMENT OF A SIMILAR ARTICLE as possible.

It will include any taxes or duty plus the Jewelry Trade mark up.

What Are The Other Types of Valuations?

Other forms of Valuations are…

  • # Valuation for ‚Private‘ Sale
  • # Valuation for an ‚Auction‘ reserve
  • # Valuation for Probate
  • # Valuation for Division of an Estate (under conditions of a Will, for example)

 Each of these types are simply a percentage of the ‚Master Valuation‘ figure or Replacement for Insurance mentioned here.

The Master Valuation Appraisal

While these are covered briefly regarding their structure and use, you should remember that ALL of these valuations are just by-products of the Valuation Appraisals for Insurance, both in principle and procedures.

Therefore, with a little common sense and a child’s school calculator, we can arrive at a final figure for any of the above situations.

After all – they need the SAME information to begin with.

If you had an Online Form which helped complete a Jewelry Appraisal for yourself, there would be no easier or quicker way to help in the majority of these cases, and you wouldn’t even need a child’s school calculator to complete it, because it would all be built into the Computer System.

Nice thought – but is it a reality?

Thankfully – Yes it is.

Jewelry Valuations For The Rest Of Us

While our advice is – and always has been – to get your Jewelry valued or appraised by your local, professional gemologist Valuer, it remains our belief that in the ‚majority of cases‘ and taking into account the costs involved (your professional Valuer charges a reasonable fee for their skill and the work carried out) there is an alternative.

Any Self Appraisal Valuation can be equal to the task for a fraction of the specialized service, in a shorter timeframe, and costs much less – Lots Less…

So don’t ask ‚Why‘ – Ask yourself – ‚Why Not..?

Here are some interesting Facts

  • # People thought you had to be a lawyer to write your own Will
    -Do-it-Yourself Will Kits are now Commonplace
  • # People thought you had to be an Accountant to do your Tax
    -An Online Tax Pack has been set up by the Government
  • # People thought you had to be a Real Estate Agent to sell your Home
    -FSBO (For Sale By Owner) has changed all the rules
  • # People thought you needed a Solicitor to handle a Conveyance
    -This is now no longer the case

The entire game has shifted.

# You Don’t Need to be a Gemologist Valuer to write your own Appraisals. It’s as Simple as filling in a Form. Anyone can do it.

Plus It Is Convenient…

You do this in your own time, at the pace you wish to go, without any pressure. You will have ample time to start your self evaluation, change your mind about something, go away for a couple of hours or days even, and when you return, start again from where you left off, finally arriving at the bottom line to print your Appraisal Certificate from Home or Work.

So What You Really Ought to Know About Jewelry Valuation Appraisals, is that it’s possible and anyone can do it.

There is an Online Jewelry Appraisal do-it-yourself Valuation Kit which has been designed to be as simple as possible while remaining accurate, within the guidelines of the Jewelry Trade and Valuers Profession.

It’s a Smart School Calculator.

WE ARE NOT SUGGESTING IT CAN TURN YOU INTO A QUALIFIED VALUER nor are we trying to replace your local Jeweler. That would be wrong of us to even try.

But you ought to understand the possibilities.

Our Goal here is to simply steer you in the right direction to answer a series of questions, which will lead you to the MOST PROBABLE result for any Jewelry under assessment. You have choices…

These days, it’s just too easy.

Immobilienmakler Heidelberg

Makler Heidelberg


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Source by David Foard

Buying a Home Faster Than Your Competition – 6 Secrets to Winning the Offer Race

Immobilie bewerten, Immobilie Wert, Immobilienrechner, Verkaufsrechner, Immobilienwertermittlung Tel: 06227-399170 Handy: 0176-2116-9990 eMail: info@heidelbergerwohnen.de Internet: www.heidelbergerwohnen.de

Some frustrated home buyers are being shut out of today’s real estate market because other buyers always seem to get there first. They want to buy. They’re qualified to buy. But by the time they can make an offer, it seems someone else has gotten there first.

Here’s an example from a question someone recently asked:

There have been about 16 properties overall that my agent and I viewed or I was very interested in. I am beginning to feel that either the agents, banks or whoever is on some kind of inside knowledge. As sometimes I maybe on the way to look at a property that was just listed. Then I would get a call from my agent that it just went under contract… I look at about 6 to 7 sites daily, and she does her part but I am on a deadline. But even today, I saw a home that was just listed, and then she calls back and say that it was under contract. It makes no sense, She says that it went under contract May 4th, and it was listed May 3rd, but it was not even shown on the MLS, or any of the sites until today. What gives? It’s like someone call their friend before it’s listed, and they have the inside knowledge. It’s really frustrating.

Does some of that sound familiar? Here’s how I answered, offering some insider tips on how to get there before the competition:

The first clue something was wrong is that the question asked on May 24. However, the would-be buyer said the house was listed May 3 „but it was not even shown on the MLS… until today.“ There’s something seriously wrong there. (The MLS is the „multiple listing service,“ an online database agents use to list homes.) Most MLS systems (probably all – it’s a nationwide collection of local systems) have regulations on posting listings quickly. There shouldn’t be a 3-week lag between an agent taking a listing and posting it on the MLS. If that happens to you, ask your Realtor to look into that. Either it wasn’t really listed on the 3rd, or it appeared way before the 24th. There shouldn’t be a 3-week lag. My guess: It was listed on the 3rd, but the sites the buyer was looking at didn’t show it until the 24th. Solution: Use the right sites.

Keep reading to find out which ones they are.

Second, I asked the buyer why she was looking on 6-7 sites daily. It’s only necessary to use one – any one that is connected to the MLS. Your local Realtor probably will have a link on his or her site to search the MLS. Or for anywhere in the country, go to http://www.Realtor.com. There are many other sites – Zillow and Trulia, for example – but they receive the same feeds you can find on the official MLS sites, only with some delay. And there IS a lag between the time something’s posted on the MLS and the time it may show up on other sites that receive feeds. Usually, it might just be a day or two, though, not 3 weeks.

Third, if you’re losing the race to buy a home, then have your agent announce your needs at his/her weekly agent’s sales meeting. Many agencies have weekly agent meetings, and one part of the agenda is that they’ll go around the room announcing recent listings and other activities. It’d be perfectly appropriate for an agent to say, „I’m representing a client who’s looking for a 3 bedroom, 2 bath single-family home in Fairfax Virginia for under $375,000.“ That way, agents discover properties before they hit the MLS. I’ve seen agents announce properties that they have scheduled to list in a week or two (often the owner is doing some last-minute fix-up work), and another agent will go over to the first one and say, „I have a client who’s interested in that sort of home.“ And so sometimes the listing doesn’t even make it to the MLS.

Fourth: Make sure you’re looking at FSBOs (for sale by owners), too. Those houses won’t appear on the MLS. Not today. Not tomorrow. Not 3 weeks from now. (Unless a flat rate listing service is used.) Ask your Realtor to look for FSBOs.

Fifth: Eliminate the competition. Most buyers are looking for houses for sale. Duh! So look in other places, too. Make purchase offers… on rentals. Sometimes people decide to rent out a home because they don’t think it’ll sell. Or because they don’t want the extra hassle of getting it ready for sale. Still, some landlords would like to sell. So, make an offer on a rental you see that you’d like to buy. Your Realtor can help you with that strategy and process.

Sixth: If you find a landlord who doesn’t want to sell today, offer to buy using a lease-option or lease-purchase. That way, you rent today, but usually lock in a price at which you can buy. Sometimes – for tax or other reasons – an owner just doesn’t want to sell today. So you let him sell when he wants to. But meanwhile you’ve locked up the home.

So: You’ve just learned about 6 ways to get ahead of the competition – or avoid the competition altogether – when you want to buy a home.

Happy house hunting!

Immobilienmakler Heidelberg

Makler Heidelberg


Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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Source by Don Tepper

I Need a Personal Loan to Stop an Eviction – 5 Steps To Take

Immobilie bewerten, Immobilie Wert, Immobilienrechner, Verkaufsrechner, Immobilienwertermittlung Tel: 06227-399170 Handy: 0176-2116-9990 eMail: info@heidelbergerwohnen.de Internet: www.heidelbergerwohnen.de

Facing eviction from your home can be a terrifying experience. The idea of being out on the street, moving back in with family or going back to being a renter are not appealing options for most people. After all, if buying your home feels  like a privilege you can be proud of, then losing your home to eviction feels like a disgrace.

Usually, a person does not get an eviction notice unless they are behind several payments on their mortgage. Thus, even a sizable loan is not likely to completely pay off the sum total of your outstanding mortgage payments in one fell swoop.

On the other hand, many banks are becoming increasingly reasonable with their mortgage customers due to problems in the home mortgage industry as a whole. It just may be the case that being able to pay for one or two back-payments will be enough to put off the eviction indefinitely. Sometimes, a bank just needs to be able to see that you are really trying to stay in your house and are willing to cooperate.

If you are saying to yourself, „I need a personal loan to stop an eviction,“ here are 5 steps to take to getting funded:

1. Understand what a personal loan can do for you:

A personal loan is a short-term loan for which you can qualify after going through an application process. It differs from a home loan or an auto loan in that with a personal loan, you are not specifying exactly how you will be using the money. Rather, you can use it for anything you like.

2. Understand the downside of a personal loan:

The only downside to a personal loan is that it is a short-term loan, so you should have a plan together for how to repay the loan within a short period of time of say 1-2 months. Also, a personal loan often has a high interest rate associated with it. Often, personal loans are taken out by making out a check to the lender against a future paycheck.

3. Secured or unsecured: what’s your fancy?

There are two main types of these loans: secured and unsecured. The main difference is that with secured loans, you have to put up some type of collateral against the loan. In exchange, you get a lower rate that with an unsecured loan which does not require collateral.

4. Check your credit score:

Before filling out any applications, it is always a good idea to go ahead and check your credit score before applying. Run your report with TransUnion, Experian and Equifax since your FICO score will vary from one to the next. At the very least, you will know where you stand in terms of your credit. And, doing this will give you the chance to protest and fix any glitches you find there.

5. Apply to multiple trusted personal loan lenders:

To get the best rate for your loan, make sure you apply to many lenders, not just one or two. You may be surprised how much the interest rate and other loan terms can vary depending upon which lender you try. You will never you if you got the best-possible rate without doing your homework.

Take these 5 steps to avoid eviction by taking out a personal loan.

Immobilienmakler Heidelberg

Makler Heidelberg


Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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Source by Larry Donaldson

Exterior Home Painting: 3 Questions to Solve Your Dilemma

Immobilie bewerten, Immobilie Wert, Immobilienrechner, Verkaufsrechner, Immobilienwertermittlung Tel: 06227-399170 Handy: 0176-2116-9990 eMail: info@heidelbergerwohnen.de Internet: www.heidelbergerwohnen.de

The decision to paint the exterior of your home is a nice way to improve the aesthetic appeal of the property. If you live in a cold region, change in temperatures can damage the siding as well as the exterior wooden structures. But, it doesn’t mean that you have to undertake repair work every other year. If you to take care of your home, you will be able to avoid expensive repairs in the future. If you want to protect your home, a good idea is to paint the walls and the wooden structures with good-quality paints.

If you are confused about painting your home, do not worry. You do not have to hire a home painting contractor immediately. Consider the condition of your home, your financial status and discuss the painting project with your family. Also, ask yourself the following questions to end your dilemma:

  1. When was the last time you painted the Exterior of the Home?

As the exterior part of any structure has to bear harsh weather and pollution, it requires care. And, an old painting job is not effective in providing adequate care.

If the wood siding of your home was painted 3 years ago, it is the best time to repaint it. It is because wood is susceptible to damage and can rot quickly. It is ideal to use a strong latex paint because it guarantees a durable and lasting finish on the wood siding. A paint job on the aluminum siding has an average lifespan of 5 years. So if your home has aluminum siding, make sure to consider the age of the paint job before making a decision.

  1. Does your Home provide a Nice Curb Appeal?

Visual impact is hard to beat when potential buyers are looking at residential properties. If you are thinking of selling your home, it is important to project a beautiful image of your property. Also, the exterior of a home is a good indicator of the well-being of the property. And, painting the exterior of your home is the cheapest way to create a positive impact on buyers.

  1. Does the Exterior of the Home need any Sort of Repairs?

The exterior of your home may be in dire need of repairs. But, if you ignore it, it can lead to major problems in the future. If you hire an experienced home painting contractor, he will able to highlight the problems effectively. He will not only paint your home but will also take care of minor repairs and replace damaged materials efficiently. It is like killing two birds with one stone!

Asking the right questions is a proper way of assessing the condition of your home. If you have come to the conclusion that your home needs a paint job, contact a professional. It is important to hire an expert home painting contractor because he will help you to finish the job efficiently.

Immobilienmakler Heidelberg

Makler Heidelberg


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Source by Christine Delongte

Reinstating a Real Estate License in Ontario – Instructions to Reinstate Your Real Estate License

Immobilie bewerten, Immobilie Wert, Immobilienrechner, Verkaufsrechner, Immobilienwertermittlung Tel: 06227-399170 Handy: 0176-2116-9990 eMail: info@heidelbergerwohnen.de Internet: www.heidelbergerwohnen.de

Real estate agents in Ontario must renew their real estate license every 2 years under the Real Estate Council of Ontario also known as R.E.C.O. They may do so with a registered realty Brokerage in good standing with R.E.C.O. Failing to renew their license on or before their specific renewal date, will result in being ordered to cease and desist trading real estate in Ontario. If the agent does not reinstate his license within 2 years from failure to renew date, R.E.C.O. will terminate the license with no further option of reinstatement.

You may have become an inactive real estate agent and let your license lapse but will probably find yourself back and active sometime in the near or far future. If you decide that your license is valuable enough and worth keeping it active then you will need to reinstate it as soon as possible and avoid total termination. Please be aware that you will need to be registered with a Brokerage. If you will be inactive then you may want to consider joining a non board member real estate Brokerage that assists licensees like you by holding your license without the high costs you may be accustomed to. Here are some simple instructions on reinstating your real estate license in Ontario under R.E.C.O.

A) Visit the R.E.C.O. website. Just Google the term and you will find it easily. Go to „publications and resources“ and note and click the „registration forms“ tab. The „New or Reinstate Broker/Salesperson“ form is the very first one. Click and it should load up easily.

B) To reinstate you must fill out sections A, B, C and F. The second half of section F will be filled out and authorized by the real estate Brokerage that you have decided to register with. The Brokerage is your Employer. When completed, you will find that R.E.C.O. has made it simple to pay using a major credit card by adding their credit card payment form located on page 6. See the updated information on their form for pricing and remember that you will be invoiced for the errors and omissions fees after your application has been approved.

C) Important: Registrants within the first two-year registration cycle must successfully complete three additional educational courses designated by the registrar before making an application for reinstatement of registration. For all other reinstatement’s, you must fulfill the continuing education requirements also before making an application for reinstatement of registration. Make sure you read section D of the form and call R.E.C.O. direct if you are not clear on their information.

Finally, get that application to the Real Estate Council of Ontario as soon as possible. Your real estate Brokerage employer may take care of this for you but hand delivering it yourself is usually a better option and recommended. Here is their information: Real Estate Council of Ontario 3250 Bloor Street West, East Tower, Suite 600, Toronto, Ontario M8X 2X9 Telephone: 416-207-4800 or 1-800-245-6910 and Fax: 416-207-4820

Something originally inspired you to become a licensed real estate agent in Ontario. Inactive for whatever reason led to your license getting terminated. Give yourself the benefit of a potential comeback whether sooner or later and instead of losing this valuable asset, keep it active and reinstate it today. There are options for you now that will allow you to park your license instead of losing it and at a fraction of the cost you are accustomed to. To reinstate or not to reinstate, it’s totally up to you! Good luck.

Immobilienmakler Heidelberg

Makler Heidelberg


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Source by Bruno Francis Cristini