How to Start a Pet Transportation Business

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Pet Transportation Services are needed as the number of pets in the U.S. has grown tremendously over the past few decades. According to the U.S. Pet ownership and Demographics sourcebook, there are an estimated 60 million dogs and 70 million cats in American homes today. Apart from that, households which own pets have been recorded to spend 36% more in 2001 as compared to 1996. With this, owning a business that caters to the pet market, including a pet transportation service has lots of potential for healthy growth.

This is due to the fact that many Americans move around the country yearly and thus would require pet transportation services to move their pets as well. On a smaller scale, pet transportation services can also cater for local residents who require these services to transport their pets to and from the vet, within a local area or even to the crematorium for pets which have died.

Start Up Costs and Financing Sources:

Starting a pet transportation business really depends on the scale that you want your business to be. If you want to start on a smaller scale, all you really need is probably a pickup truck that has been modified to be safe and suitable for the transport of animals. Of course, you will need to set up an office or operate from your home with just a telephone, email and a fax machine. All of these will cost you less than $20,000.

On a larger scale, especially when you are considering cross border transportation, you will probably need to invest on a larger truck that can accommodate a few pets at the same time. Apart from that, the insides of the truck will need to be made suitable, safe and clean for pets, with adequate ventilation and cleaning facilities. In order to make this business viable, you may need to quickly expand your business to include sales agent offices in various locations. This way, you can build up business volume in order to increase profitability. All of these may cost you anywhere from $200,000 to $500,000 in initial start up costs.

Financing can be obtained from investors who may be interested in the potentials of such a business. Other than that, lending institutions such as banks can be approached to obtain a loan for the business. As with any business start-up, an impressive business plan must be developed for potential investors and financiers, indicating the potential growth as well as the estimated annual costs and revenue of the business.

Pricing Guidelines for Service:

The pricing strategy for a pet transportation service business fluctuates based on the fixed and variable cost of the business, as well as the nature of the service provided. Local transportation services may start with a minimum charge of $20 to $40 for the first 20 miles and an additional $10 for every 10 miles after that.

As for interstate transportation or transportation between cities, the distance between the origin and the destination will be the major price determinant. With this, prices may range from $100 and up, depending also on the size of the animal and the pet carrier.

Advertising and Marketing:

As you are targeting pet owners, the best marketing approach would to advertise in locations where pet owners would go. Reading material for pet owners as well as events that are attended by the same target group. Placing brochures within pet stores and probably awarding pet stores with commissions for every customer they recommend to you would be a good idea. Advertising in pet magazines or getting a write up on your services would be helpful. Of course, classified ads in the Yellow pages are a must in order to make it easy for customers to locate you.

Other channels of promotion would be participation as a vendor in dog shows or exhibitions. Doing this will help increase awareness on the existence of the business. Additionally, working with associations such as the American Kennel Association would create and improve visibility to pet breeders and pet store owners. Especially when you participate in events organized by these associations.

Launching a website and allowing potential customers to get instant price estimates from your website would also be a great idea.

Essential Equipment

This business requires a fair amount of equipment, in which the most important would be the vehicle that is used to transport the animals. Apart from that, other equipment such as crates, kennels and carriers may be required as some customers do not have these items with them. The size and usage of these crates must be according to the guidelines set by the Independent Pet and Animal Transport Association (IPATA).

Handlers and drivers will need to be employed to care for the animals while they are in transit. Other equipment required would be built-in sinks within the vehicle to allow for easy cleaning and water refills.

Recommended training, experience, or needed skills:

There is no extensive training required for a pet transportation service business. However, good and responsible drivers and animal handlers need to be engaged. It would be best if you have a background and experience in handling animals during travel so you can train your staff and ensure that they are handling animals in the correct manner. Apart from that, your staff must also know what to do if they encounter problems during the journey, and should also be equipped with the latest kennel and vet location information in case of emergencies.

Apart from that, the business owner must be well informed on all legal requirements pertaining to pet transportation. For example, there are IPATA guidelines on the size of crates and wire crates that are required by law. Moreover, all pets must be accompanied by an inter-state travel certificate that has been certified by a veterinarian.

Income potential:

The income potential of this business is dependent on how large the business grows to. A larger business with multiple offices and destinations will be able to sustain a higher sales volume. With this, the pet transportation business will be able to generate at least a six- figure income each year.

Target market:

Pet owners, pet stores and animal breeders.

Success tips:

A pet transportation business requires investment and a passion for welfare of animals in order for it to be successful. As it is also a niche market, lots of marketing and advertising need to be invested into the business in order to create the awareness of the services.

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Source by Randy Wilson

How to Start a Home Photography Business in North Carolina

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After years of pursuing photography as an avid amateur photographer, I decided to finally take the plunge and become a professional. I already owned all the necessary camera bodies, lenses, flashes and other assorted equipment, and having my own business meant future photography purchases would be tax-deductible. A smart decision, right?

The short answer, for me at least, was „yes.“ The long answer, however, was, „It depends on how much time you want to spend running around and researching the requirements.“

Fortunately for you, I’ve done it already in North Carolina and am willing to share the results (for this state, at least!).

For the purposes of this article, I’m assuming the following things are true:

1. You will be operating this business in the state of North Carolina.

2. You already have the photography expertise to qualify as a professional photographer (that’s another article all by itself).

3. You’ve done the necessary research to determine whether you have the time, energy, potential customer base, and business plan to ensure your new venture succeeds (again, this topic is another article on its own).

The first step was determining what kind of business entity to be. After doing much research online, I was a bit confused, until a CPA explained it to me: there is a difference between your LEGAL status and your TAX status. She recommended that my photography business be an LLC (limited liability company), but file taxes as a sole proprietor.

As with all the different options, there are positives and negatives to each option. LLC status would protect me from personal liability in the event of a lawsuit, which was important to me. The paperwork is very easy to prepare and submit, which is also good because I wanted to take care of everything myself.

Filing taxes as a sole proprietor would be very simple: just attach a Schedule C to my personal tax return each year. Although this filing status is easy enough, sole proprietors pay a slightly higher tax rate than S-Corporations.

Filing as an S-Corp, however, means more paperwork and filing quarterly taxes instead of a Schedule C with my annual return. I wasn’t interested in that much paperwork, so sole proprietor status is fine with me. If and when my business starts making so much money that I’m interested in a lower tax rate, I can always change my status to an S-Corp.

Now that I’ve determined my legal status and tax status, I had to file for my LLC with the state of North Carolina. This involves sending a check for $125 to the Secretary of State, along with Articles of Organization, which can be downloaded and filled out from their web page.

It takes about 7-10 days for your status to come back confirmed, although if you include a note and your e-mail address, they will e-mail it to you which will save a few days.

The state of North Carolina considers photographers to be one of those lucky professions that require a State Privilege License. This is an annual license granted to the person, not the business, so if you end up working for a different photography business in the future, you don’t need to get a second license that year. A privilege license is $200, from the North Carolina Revenue Office. This must be done in person, but the Revenue Department has offices all over the state, so there’s probably one in a city near you.

While I was there, I also received a State Tax ID. This is (fortunately) free, and it will come in handy because armed with this important number, I will no longer need to pay sales tax when purchasing items for my business (assuming I’m purchasing from a North Carolina vendor; obviously you don’t pay sales tax at all when purchasing from an out-of-state vendor, such as when I buy lenses online).

The friendly and helpful NC revenue employee explained to me that two forms will need to be mailed into the NC Revenue Office each quarter. One is a form explaining what your revenues for the quarter were and how much tax you charged your clients. You will need to include a check for the tax amount. The other form shows what equipment you purchased for your business that quarter and didn’t pay tax on. You will need to include a check for 1% of the total (hey, at least it’s lower than paying the full retail tax on your purchases). This includes everything from cameras and lenses to printers, computers, paper, ink cartridges, etc.

Charging my clients sales tax is a bit confusing in North Carolina. The law is not clear, and lawsuits that have been argued in state court have conflicting results. It appears that you do not need to charge sales tax on services such as session fees, UNLESS the client ends up purchasing prints from the session. Of course you always hope and assume the client will purchase prints, but you never know for sure. To be safe, you should go ahead and charge them sales tax on the session fees up front, assuming they will buy prints.

You always need to charge sales tax for tangible goods sold. So any prints, albums, or other products that you sell to your clients must always include sales tax.

The tax rate that applies depends on where the client took possession of the goods. If the client lives in Gaston County and asks me to mail her the prints, the Gaston County rate applies. If the bride decides to swing by my house in Charlotte to pick them up personally, the Mecklenburg County rate applies.

Tax was by far the most complicated part of the business-formation process. Fortunately the employees at the NC revenue office were very helpful, and gave me several „cheat sheets,“ sample forms, and (best of all) their phone numbers for me to call with questions.

If you want your NC State Tax ID to be in your business‘ name, instead of your own name, you will need a Employer Identification Number from the IRS. I was initially confused by this, because I wasn’t planning on employing anyone other than myself, but as it turns out, the Employer Identification Number has nothing to do with employing anyone. Luckily it was free and handled easily over the phone while I waited in the lobby of the state revenue office.

Now there’s the matter of where you live. I’m a resident of Charlotte, so I’m in Mecklenburg County. Fortunately, Mecklenburg County recognizes the State Privilege License, so I wasn’t required to get an additional County business license.

I was, however, required to get a Customary Home Occupation Permit from the Zoning Office. This is a one-time permit that allows me to work from home. This is a lifetime permit; however, it only applies to this particular address. If I decided to move to a different house in a few years, I will have to get a new permit. It cost $125.

Next, I needed a business checking account. I went straight to Wachovia, since they already handle our personal bank accounts and I wanted everything in one place for convenience. Wachovia needed copies of my privilege license, my EIN, and my state tax ID, as well as the normal documents for a new account like my driver’s license. In about a week, I had received my check card and checks for the account. This is highly recommended by the CPA I visited, in order to keep business and personal expenses separate.

The final thing I needed was business insurance. This is recommended in addition to any homeowner or umbrella liability coverage you may already have. It’s not too expensive (less than $200 per year) so go ahead and get it. Any insurance agent will be able to go over the options with you. Business insurance will not only cover your equipment in the event any of those expensive lenses or cameras get damaged, but will also help in case a guest trips over one of your lightstands at a wedding, for example.

A few side notes: if your business is an LLC, you are legally required to have the initials „LLC“ or the words „Limited Liability Company“ in your business name. This makes it clear to all customers and potential customers that you are an LLC. Also, if you do not keep your business and personal expenses separate, you lose the protection of an LLC (meaning your personal assets are vulnerable in the event of a lawsuit). DO NOT RISK THIS — keep everything well documented and separate!

Best of luck with your new business venture! I recommend visiting the North Carolina State business development website and calling their hotline; they gave me a lot of tips the CPA didn’t mention, and it was free to boot! Fortunately there is a lot of support out there for people starting their own businesses. It’s free, and these people know what they’re talking about — please take advantage of it!

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Source by Elizabeth Morrison

Tips on Selling Character Designs

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Have you ever wondered how some cartoon characters became so famous – with hundreds or thousands of merchandise bearing their names and images? Remove the ones with animated series out of the equation since they have a marketing medium – and you still have a handful of characters out there who became famous through the merit of their designs. Examples are Julius the Monkey and Emily the Stange.

This article discusses some tips for creating and selling cartoon characters.

Cute VS Cool

Are your characters cute or cool? Cute characters easily attract the females and the young children markets – two of the largest consumer markets. Character merchandise is often cheaper and more affordable. Therefore profit through sheer volumes of sales can be quite astounding.

Cool characters are more suitable as collectibles, and often cater more to the male market. As they are often more exclusive and expensive, sales volumes are seldom as impressive as cute character merchandise.

In the spirit of games development, decision makers might simply want to pick a design that is most suited for the game concept. But as far as possible, if the game concept so allows, do try to go for cute characters because they stand a higher chance of getting licensed for merchandising.

Character Bible

A character bible is the foundation for every product that would stem from an intellectual property – be it a game, animated series, comic, story book etc. Regardless of the resulting product, everything should refer back to the character bible. This is what the bible is all about – a kind of blueprint for an intellectual property besides being a showcase for the intellectual property.

Style Guide

A style guide to showcase your characters in their full glory is absolutely necessary if you plan to license your characters. The average licensee is often quite unimaginative and seldom sees beyond what you show them. So if you are showing them screen captures of your game, hoping that they would see the full potential of your character designs, chances are they will not. A style guide with multiple poses and designs of each character would help them understand and appreciate your character designs better.

Product Concept Boards

In your style guide, it would be good to include product concept boards. These are renderings of mock products with your character designs integrated within. Product concept boards are great for letting potential licensees see how they can use your character designs on their products.

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Source by Aldric Chang

Non Performing Loans Vs REO Bank Owned Property – How Do They Differ?

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To make real estate investing work for you, you must always take into consideration economic conditions that dictate which type of real estate investment is the best choice at any given time. Do you know your basics? What are Bank Owned REO Properties or non performing loans? What is the difference between the two? It is quite simple really.

Both non-performing loans and Bank Owned REO Properties are the unfortunate children of economic fall down. As economic crisis takes swing so does losing homes as struggling homeowners cannot keep up with loans and mortgages.

An adaptation of the well know children rhyme „First comes a non performing loan then a foreclosure“ does well to illustrate the progression of distressed property handling and the major difference between the two concepts. Whereas they undoubtedly trod the same road, the difference in how far along the road each is.

Say a homeowner cannot afford to pay a loan anymore. First month the bank lets it slide. The second month, they mail the letter. The third the gavel comes down – the property has been declared a non-performing loan. For all intents and purposes non-performing real estate loan is a property loan that has defaulted or is in danger of defaulting when homeowner cannot make payments any longer. With some exceptions, three months is all a homeowner has to turn over the dough before his loan is declared non-performing. And current economic conditions being as they are, non-performing loans are sprouting like mushrooms after rain. Financial corporations specializing in non performing loans will help with purchasing a loan that best fits individual financial portfolios. By liquidating involved assets they can realistically provide a good value. But not a 50% discounted price. Not with complementary property repairs. Not bulk. And certainly not without tons of paperwork and fees. None of the things Banks Owned REO can and will do to move the sale along.

Bank owned REO property, on the other hand, is the next step in the distressed property timeline. No payment on a property loan will sooner or later result in „walking the plank“, in other words the dreaded foreclosure. Foreclosure unceremoniously plunks down distressed property to the auction table. Properties that cannot be auctioned off it end up as Bank Owned REO Properties. With current economy banks have a veritable tsunami of real estate properties coming their way. Wildly scrambling to regains at least some money and clear the books, banks sell Bank Owned REO Properties like tomatoes on local market, at a discount, liens and other expenses on the home removed.

While both are viable options for a real estate investor, everyone wants to buy where a deal is better. And in real estate, affordable, bulk, plenty and flexible of Bank Owned REO is a far better than a sometimes, costly, and rigamarole non-performing loan.

And who wouldn’t go for a deal that will brings maximum profit on a minimum investment, fast.

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Source by Mark Bradley

How to Recruit Dealers-Distributors to Sell For You

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Everyone dreams of owning a super money-making business where other people do all the work, and their only duties involve the approval of sales and bank deposit slips. It’s the only way to go as a business owner.

The problem is however, not too many people seem to know how to “ put together“ such a business. What you’re really talking about is an operation where you supply the product and other people do the selling-A prime source with a dealer or distributor network.

Assuming that you have the product, you’ll also need a sales kit and plenty of impressive, eye-catching promotional materials. If you don’t supply or offer to supply materials with which your sales force can sell the product, you’ll have a hard time enlisting people to sell for you, and you probably won’t set any sales records relative to your product either.

Let’s assume that you’ve just written a book-HOW TO MAKE $100,000 PER YEAR AT HOME, WITH YOUR COMPUTER..Okay, in order to sell this book, you’ve got to get the word out to the people that you have such a book available. Advertising on your own is going to cost you money, and unless you’ve got a good understanding of the advertising business, you may never reach your full sales potential-besides, the time and effort expended in finding the „right“ place to advertise, the placing of your ads, monitoring your returns, and the frustrations of dealing with the curiosity seekers, will quickly wear you out. Such is not the way you envisioned your life when you got the idea to write the book, get rich and enjoy a life of leisure.

So, just as soon as you’ve got your book written-the book is your product-get some „bids“ out to the advertising agencies in your area, the freelancers, and the advertising department at your local colleges. What you want these people to do is make up an advertising circular promoting and selling your book. Now then, in a different-maybe smaller-type, and kind of like an afterthought-at the bottom of this circular, you include the phrase: Dealer Inquiries Invited…

Look over all the submitted circulars and choose the one (s) you consider the best. then have a supply of these printed up at your local print shop, obtain a mailing list of opportunity seekers, and get them in the mail.

Just as soon as you’ve dropped these first circulars in the mail, start writing your dealer/distributor letter. This should be simply an explanation describing how you will dropship orders for their customers, allowing them a certain commission on each sale and, the price per copy you’ll sell your book to them in wholesale quantity lots. At the same time, this letter should include a copy of your advertising circular, and an explanation, reassuring these dealers that they can reproduce this circular with their name/address in place of yours on the order coupon. You might even include a brief note that you will pre-print these circulars with the dealer’s name/address and ship them to him for a wholesale printing price. All of this boils down to your supplying him or her with whatever is needed to promote and sell copies of your book for you. The bottom line is simply that you can only reach so many people, and sell so many books yourself. With 1,000 people helping you-mailing out advertising circulars and running small ads in hundreds of opportunity seeker publications-your costs of running your business will be minimal while your book sale skyrocket.

Remember though, you need an impressive, eye-catching advertising circular or mailing package for your sales force to use as their own, and you need a clear easy-to-understand books in wholesale quantity lots, and the availability of advertising materials for your dealers.

The advertising circular should be dual purpose- you send it out to solicit sales of your product, and at the same time, recruit dealers who are impressed with your advertising materials and feel that they can make some money for themselves by promoting your product. Again, this needn’t be much more than a simple „throw-way“ line at the bottom of the circular: Dealer Inquiries Invited…

Now that you’re organized thus far, the next thing is to contract to run as many small DEALERS WANTED ads in as many of the mail order publications as possible. Such ads can be either a classified or a small, but eye-catching one inch display ad:

DEALERS WANTED! Outstanding new book. Sells like wildfire! Everybody wants a copy! Make $10 profit on every $15 sale! Details for SASE to:

Basically that’s all your „dealers wanted“ ad needs to say, and then with plenty of exposure in all the mail order publications over a period of six or eight months, you should have hundreds of people all over the country selling your book for you. Simple, easy, almost cut and dried, but it works!

In building my own business from scratch over the past 10 years, I’ve found that once you’ve established a basic dealer/distributor network-or a list of people selling for you,you can add hundreds of related products, and the orders just keep coming in. Give it a try and see for yourself just how easy and profitable it can be for you!

Copyright 2004 by DeAnna Spencer

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Source by DeAnna Troupe

What Are the Common Types of Deeds in Real Estate Investing Used?

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This is a review of the common types of deeds that are used to convey properties and what the advantages or disadvantages are of each one. Different states may require specific types of deeds if they are a judicial or non-judicial state in terms of their foreclosure proceedings.

Warranty Deed – Sometimes called a General Warranty Deed, this type of deed essentially guarantees that the seller (grantor) is transferring a clear and marketable title to the buyer (grantee). Clear and marketable title means that there are no encumbrances or title defects. This guarantee is not limited to the time the grantor owned the property but extends back to the origin of the property in the public record. The seller can make this claim because previous title policies have insured his interest when he purchased the property.

Limited Warranty Deed – This type of deed is also called a Special Warranty Deed and differs from a Warranty Deed in that the seller (grantor) is essentially guaranteeing only that the grantor has the right to transfer the deed. It limits the type of title transfer to an „insurable title“ rather than a clear and marketable title.

The difference is that an insurable title can contain a title defect or a break in the chain of title usually caused by a foreclosure action or tax deed sale as examples. The buyer can obtain title insurance but the title may not be clear and marketable. The result is that a bank may not lend to a buyer of this property in the future. There are cures for this break in the chain of title, usually by a quiet title action in the court system.

Quitclaim Deed – This type of deed specifically transfers the title to the property with the grantor „quitting“ any liability that is attached to the property at the time of transfer. These liabilities can be code and mechanic liens or code violations and judgments against the grantor. Mortgages will remain on the property and will still be the responsibility of the grantor after the transfer to the grantee.

Often children of elderly parents will have their parents sign a quitclaim deed and record it after their parents‘ death. While the clerk of the court will record the deed and the children’s names will appear in the public record, their parents‘ estate will have to be probated to transfer the title to a buyer later.

The problem occurs when a closing agent does a title search on the property and finds the quitclaim deed without a judge’s adjudication in the public record showing the closure of the estate by probate. If a trust is the owner of the property, the property transfer bypasses probate but not the liability for income or estate taxes if they apply. In one county that is close to where I live, fully 80% of quitclaim deeds in the public record are fraudulent. Most are identify theft for attempted refinance or resale of the properties. Now when any quitclaim deeds are recorded, the former owner on title is contacted by the clerk of the court to confirm the transfer.

Certificate of Deed – This type of deed is not signed by the former property owner as the property is transferred to the new owner by a court action. It is issued by the clerk of the court after a foreclosure sale or a tax deed sale. It is essentially a „temporary“ deed that will have to go through a quiet title action to be transferred to another buyer at a later date. This court action is required if the new buyer wants an insurable or marketable title if he plans on ever selling the property in the future.

Deed to Trustee – This type of deed is essentially a Warranty Deed from a seller to a trustee of a land trust or other financial planning trust such as a revocable living trust. The trustee is empowered to do what is in the best interest of the beneficiaries of the trust regarding the property itself – including the maintenance, repairs and sale of the property. When the property is sold, the trustee will sign as the grantor but the proceeds of the sale will be issued to the beneficiaries or held in the trust for their benefit.

In summary, you may see these basic types of deed transfers in your investing career. It is important that you read the deed carefully to determine what the grantor is transferring to you – liability or a clear and marketable title or something in between. If you are a buyer and getting a quitclaim deed, pay to have a closing agent issue you a title policy to insure you aren’t getting a whole load of problems you never expected!

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Source by Dave Dinkel

Commercial Tenant Move in Checklist

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In a commercial or retail property, it pays to have some form of checklist that applies to the move in procedure with tenants. The checklist will always help you stay on track when it comes to the correct processes and approvals.

First and foremost it should be said that a tenant must not move into premises until the lease documentation and all financial obligations have been satisfied.

The same rule also applies to fit out construction and compliance. The tenant must not have access to the premises in any way or form until they have successfully signed all lease documentation and paid the necessary rental and guarantees.

Different types of premises

There is a distinct difference in the complexity of the move in checklist that can apply when it comes to different property types. Retail property is perhaps the most complex of property types and for that reason will have a more detailed checklist. Office property will normally have less issues of concern however the checklist will still be reasonably detailed. An industrial property is always more basic and simple when it comes to tenant lease negotiation, fit out design approvals, and moving procedures.

So let’s look at the checklist that can be constructed relative to commercial and retail property management and leasing. Here are some of the big items around which you can add other matters of the local and property nature.

  1. The lease agreement should be completely signed between the landlord and the tenant. If the lease agreement is to support the final compilation of a lease document, then that should also have occurred.
  2. Any of monies associated with the tenant rental, rental guarantees, fit-out monies, security, deposits, and occupancy, should be paid by the tenant prior to access been given.
  3. Agreements should be reached between the parties regards the fit out construction, approvals, layout, and design. Those fit out works should not commence until the necessary landlord approvals are given, and the local building authority has issued the appropriate construction approvals.
  4. Providing the three issues above are completely satisfied and correctly implemented. You can then move to a simple checklist of issues to implement and move through.
  5. Here are some of those things to incorporate into your checklist.
  6. The names, address, and contact details of the tenants to be installed in the premises.
  7. Access details for the premises need to be set and agreed between the parties. That also includes some anticipated moving date. The tenants contract or associated with the fit out works will also need to be controlled when it comes to access.
  8. Give the tenant a list of contacts for the property relating to any general enquiries but also those that relate to any emergency issues. Those contacts would normally include a property manager, and maintenance contractors.
  9. Any special terms and conditions under existing lease documentation should be checked for compliance by the tenant as part of occupancy. That would normally include insurance obligations.
  10. Secondary tenancy issues relating to any extra licensed space and car parking should also be reviewed and implemented. These types of secondary issues may be supported on secondary documentation such as licenses for side agreements.
  11. Brief the tenant on security issues relating to the property and the premises. Take the tenant through the modes of access to the property during the day and then out of hours.
  12. Install the tenants detail on the tenant directory board as soon as they occupy the premises.
  13. Tell the other tenants of the property about the new tenant in the new location. Tell the new tenants in the property about the other tenants located near them. It is important that you integrate the new tenant into the existing tenancy mix and the overall chemistry of the property.
  14. Deliver to the new tenant the rules and regulations that apply to emergency procedures within the building.
  15. Exchange keys for the premises so that any emergency access can be provided as required.

So these are some of the rules that can apply to the installation of a new tenant into an existing commercial or retail property. This list can be expanded subject to your location and property type. You may even have separate checklists for the differences between retail, office, and industrial property.

Keep Organised

An organized process or approach to tenant occupancy always helps the easy transition of a new tenant into an existing investment property. A lease relationship between a landlord and tenant goes for a number of years, and on that basis should be commenced successfully and professionally. That is the job of the property manager.

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Source by John Highman

Condominium Formation and Conversion – Rhode Island

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Q. What is a condominium and how is it formed?

In Rhode Island, a condominium is any real estate project which includes individually owned units (i.e. a residential unit) and common elements (i.e. general common elements and limited common elements) that are owned by the unit owners as tenants in common.

A condominium is created in Rhode Island by recording a declaration of condominium with the appropriate office in the city or town where the project is located. The declaration must be drafted in accordance with the Rhode Island Condominium Act (the „Act“) for all condominiums created after July 1, 1982.

Q. What are the bylaws?

The bylaws are the rules of the condominium. The bylaws are enforced by the association’s elected officials. The bylaws can be changed with a certain percent vote of the unit owners of the association. A buyer should always review the bylaws carefully prior to entering into a purchase and sales agreement. Buyers are sometimes surprised to find out that representatives of the association are allowed to enter the buyer’s unit; pets are not allowed; or a buyer is not allowed to alter the exterior of their unit without the permission of the association.

Q. What is a condominium unit? What is a general common element? What is a limited common element?

A condominium unit (i.e. residential living space) is the area that a unit owner has exclusive ownership interests in.

A general common element is owned by all of the unit owners as tenants in common with each other and all unit owners have the right to use and enjoy a general common element (i.e. a road).

A limited common element of a condominium is owned by all unit owners as tenants in common with each other. However, only one unit owner or a limited, specified group of unit owners have the right to use and enjoy a limited common element (i.e. a patio, driveway, or porch).

Q. What is a condominium purchase and sales agreement?

A condominium purchase and sales agreement is a contract to buy and sell a unit. Many residential sellers will use a standard purchase and sales agreement form. However, there are a many different purchase and sales contracts available. It is always advisable to have an attorney who is experienced with condominium law to review or draft a purchase and sales agreement prior to signing any such agreement.

Q. What is a public offering statement?

A public offering statement is a summary of the declaration and includes important information relating to the condominium. A public offering statement must be drafted in accordance with the Rhode Island Condominium Act for all condominiums created after July 1, 1982. A buyer has the right to cancel the purchase and sales agreement within 10 days after the receipt of the public offering statement. A seller who is required to deliver a public offering statement to the buyer will face penalties prescribed by the Act if the seller fails to provide a public offering statement.

Q. Is a public offering statement required prior to the closing of all condominiums?

A public offering statement is required by any declarant or person who is in the business of selling real estate when that declarant or person offers a unit for sale on his own account to a purchaser of a condominium unit.

A public offering statement is not required in the following instances: i. if the condominium contains 12 units or less, is not subject to further development rights, and the declarant has owned the units for more than 2 years from date of first sale; and ii. nonresidential projects where all of the units are nonresidential or in residential projects where waived by agreement; and in the following instances: disposition or transfer by gift; court order; by a government agency; foreclosure or in lieu of foreclosure; disposition or transfer to a person in the business of real estate who intends to resell the unit; and when the purchase and sales agreement may be cancelled without penalty by the buyer.

Q. What is a condominium resale certificate? When is a resale certificate required prior to the closing?

A resale certificate is prepared by the association upon the request of a unit owner who is selling his or her unit. The resale certificate contains important information and must be drafted in accordance with the Rhode Island Condominium Act.

A resale certificate is required for all sales when a public offering statement is not required. However a resale certificate is not required if a public offering statement is exempt as explained in the previous question.

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Source by Richard Palumbo

Favorite Taylor Trading Method Trades

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Day and swing traders use Taylor Trading Technique for several favorite trade set-ups. Traders take advantage of positioning their trades in sync with the ‚ebb-and-flow‘ of the Markets identified by Taylor Trading Method ‚3-day cycle‘.

George Taylor’s Book Method, known as Taylor Trading Technique, captures the inflows and outflows of ‚Smart Money‘ in what can be considered a repetitive, 3-day cycle. Simply stated, institutional investors, or ‚Smart Money‘, push markets lower to create a buying opportunity and then push markets higher to create a selling opportunity within a 3-day trading cycle.

The Taylor Trading Method ‚3-day cycle‘ can be identified as follows:

  • Buy Day, where the market is driven to a low for a Buy opportunity;
  • Sell Day, where the market is driven higher for an opportunity to Sell your long position; and
  • Sell-Short Day, where the market is driven lower after establishing a 3-day cycle high for a Sell-Short opportunity.

Traders take advantage of the 3-day cycle by placing long and short trades in sync with the dynamics of the cycle. The following three favorite trades using Taylor Trading Technique have been tested by time to offer traders superior probability of success.

The first favorite trade using Taylor Trading Technique is placing a long trade at or near the low made on the Buy Day, that is, the ‚Buy Day Low‘. A trader will use all of his/her resources to identify the Buy Day Low, because, according to Taylor Trading Rules, there is over an 85% chance the Buy Day Low will be followed 2-days later by a higher market high on the Sell-Short Day, even in a down-trending market. A trader can successfully close higher on the long trade during the Sell Day (second day of 3-day cycle) or wait to close on the Sell-Short Day (third day of 3-day cycle) if markets are in a particularly bullish sentiment.

The second favorite trade using Taylor Trading Technique is placing a long trade on the Sell Day if the Market/trading instrument decline below the previous day’s Buy Day Low. According to Taylor Trading Rules, there is a very good chance of at least rallying back to the Buy Day Low within the 3-day cycle offering an opportunity to successfully close higher on the long trade at least by the Sell-Short Day.

The third favorite trade using Taylor Trading Technique plays the Market/trading instrument for a short trade. According to the ‚3-day cycle‘, the Market is driven lower after establishing the high on the Sell-Short Day, that is the ‚Sell-Short Day High‘. Therefore, if the Market closes near the Sell-Short Day High, it is possible the Market will gap above the Sell-Short Day High at the open of the Buy Day. According to Taylor Trading Rules, there is a very good chance of at least declining back to the Sell-Short Day High on way to establishing the Buy Day Low offering an opportunity to successfully close on the short trade during the Buy Day.

Of course, a trader should evaluate other underlying dynamics of the Market/trading instrument before considering if a long trade or short trade is warranted. The trader wants to place a trade that has the best chance for success in the shortest period of time. Therefore, it goes to reason that other sentiment indicators should be in align with the decision to trade long or short.

For example, the trader should consider placing the trade-whether long or short-that is in sync with the Market’s/trading instrument’s prevailing short-term trend. If the short-term trend is positive, then the trader should concentrate on those opportunities that favor long trades; if the short-term trend is negative, then the trader should concentrate on opportunities that favor short trades.

In addition, evaluating Elliott Wave patterns of the Market/trading instrument is beneficial in determining the potential for near-term upward or downward momentum. The trader may place more aggressive short trades when the Market/trading instrument is embedded in a downward Elliott Wave pattern, but, on the other-hand, may be more willing to place a more aggressive long trade when the Market/trading instrument is in an upward Elliott Wave pattern.

In any event, a trader can decide to trade long or short within the Taylor Trading Method 3-day cycle by considering the following simple rules:

  1. If the Market/trading instrument is trending upward, then a long trade may more strongly be considered because, with respect to Taylor Trading Method 3-day cycle, higher Sell-Short Day Highs are being made relative to shallower Buy Day Lows.
  2. If the Market/trading instrument is trending downward, then a short trade may more strongly be considered because, with respect to Taylor Trading Method 3-day cycle, lower Buy Day Lows are being made relative to lack-luster Sell-Short Day Highs.
  3. If the Market/trading instrument is trending sideways, then both long and short trades may be considered because, with respect to Taylor Trading Method 3-day cycle, the difference between Buy Day Lows and Sell-Short Day Highs remain relatively constant to each other.

Traders find as much relevance to Mr. Taylor’s ‚Book Method‘ in today’s Markets as they did when first introduced in the early 1950’s. Although the speed of trade execution has tremendously increased, the human nature of trading in sync to the prevailing trend has not, and is still the trader’s best attack and defense when trading along-side the ‚Smart Money‘.

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Source by Bob C Moore

Make Money Writing Crossword Puzzles: Seven Tips For Newbies

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You might not realise it, but the crossword is still one of the most popular parts of many newspapers… with lots of people buying a copy for that reason alone. After the front and back page, the sport and the TV sections it’s high up on the list of ‚most read‘ pages. So there is a healthy demand for people to write and sell crossword puzzles.

This could be a great sideline opportunity for you. Especially good if you’re a dedicated crossword puzzler. But you can try it even if you’re not. You don’t need to be especially good at English.

Here are seven tips on how to write crosswords:

1. Start by thinking of a theme for your puzzle. For example something like history, or geography, travel, film and TV or famous people etc. You don’t necessarily have to reveal what your theme is to your readers. But it will make it much easier to come up with words and clues.

2. Now write a long list of words which relate to your theme. At least 25 or 30 to start with. Everything you can think of. This will be your ‚word bank‘, to draw words from for your puzzle. (But you don’t necessarily need to use them all.)

3. Include both long and short words… but don’t have many words under four letters. Try and choose words which include lots of ‚often used‘ letters… such as the vowels A, E, I, O, U plus S, T, L, M, N… which will be easier to fit together. Avoid too many words that use Z, Q and X for the same reason!

4. Now get some graph paper and a pencil. Pick five or six of the longer words from your list and try and link them together in the centre of the page, starting with a horizontal. Now try to fit in the smaller words around them. Build up your grid from there. Finish off by filling in the spaces with a blank.

5. Once your grid is complete number every square that contains the first letter of a word. Divide these into two lists, one of ‚Across‘ words and another of ‚Down‘ words.

6. Now the fun begins! The next stage is to create a clue for each word. Most crosswords either have simple clues or cryptic clues – don’t mix both types in the same crossword.

7. A thesaurus is a really handy way of finding clue ideas for crosswords. You can either buy one or find one free online. Just look up whatever your clue is and get a list of words which mean something similar and which could be the basis of your clue.

If you’re into crossword puzzling you might know that you can actually get computer programs to help you create and/or solve crossword puzzles. You can use these if you wish (although the good ones tend to be quite expensive). Also, some buyers prefer crossword puzzles that haven’t been created by a computer – so always check first.

Now to selling crossword puzzles: Most magazines and lots of magazines have crossword puzzles and might be interested in buying your puzzles. Write to them and ask. Start with smaller publications… not with The Times and so on!

Larger newspapers and magazines tend to have regular, in-house crossword compilers. But don’t be put off approaching those who do… they still buy puzzles from freelancers sometimes. And this could be your foot in the door to get a job as in-house compiler in future.

One more tip when compiling puzzles for newspapers: They tend to have a fixed grid size which they’re very reluctant to change. It’s also sometimes the case that the grid pattern is EXACTLY the same with every crossword, just rotated a different way or a mirror image and so on. So be sure to check some back issues before you write specifically for that publication.

There are also some puzzle agencies which write crossword puzzles for selling on to the publishing industry. Here’s one you could take a look at: Clarity Media at http://www.clarity-media.co.uk (Their website also has lots of useful info. about puzzling.)

Another place to sell your crossword puzzles is puzzle book publishers. They often have a need for hundreds or crosswords a year.

Educational publishers also need crosswords for books and study aids which are created for children or use in schools.

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Makler Heidelberg


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Source by Mark Hempshell