Does Stephen Hobbs‘ Lazy Way to Buy and Sell Cars Really Work?

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

When the economic climate is in a state of recession and unemployment is rising, it only makes sense to starting looking for an at home business. If you have your own business, you don’t have to depend upon having an employer to earn money. You can be your own boss and set your own hours.

And one business that is not going away anytime soon is the used car business. People have been making money buying and selling cars ever since the automobile was invented. The used car business is a ready made market with plenty of demand for low cost, reliable transportation. In today’s modern society, transportation is a must, no matter how you look at it. People need transportation. This means there’s always going to be an in-demand market for cars. And having a business where there is a definite market is the first thing you look for when considering running your own business.

One way to earn money selling used cars is outlined in Stephen Hobbs‘ e-book The Lazy Way to Buy and Sell Cars for Profit. But, does his method of marketing really work? How difficult is it to buy and sell cars for profit? Do you need a license, and can you do this out of your home?

The answer to these questions – and many more – are all contained in Stephen’s e-book. In the book Stephen sets out to destroy some of the myths around this business that has kept others from even attempting it. You can set up a profitable home-based business without having to obtain a dealer’s license.

„You don’t need to get a car dealers license unless you want to and getting one suits what you want to do with this,“ Stephen points out. He suggests that you start out small. And he reveals a completely legal way for you to buy and sell cars for profit while retaining all the advantages of having a car dealers license, yet without any of the disadvantages. It’s all up to you how you want to work it.

Once you know how to deal with sellers of used cars, you can get the price you want. Stephen’s book teaches you the secrets of negotiation. He also teaches you which cars to look for in the cars you buy and which to leave on a sellers lot. Armed with this knowledge, you will soon become an expert on what cars are in demand and will sell for a premium profit, and what cars to stay away from. Having this knowledge is key to becoming successful in this business.

If you are looking for a business that you can be up and running with in a relatively short time period, buying and selling cars is something you will want to seriously consider. With over 150 pages of no-fluff realistic content, Stephen’s book will help shorten the time frame between buying your first used car and closing a sale with a ready-made buyer. You will soon learn what others have already learned, that „consistent demand makes this the perfect recession proof business.“

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Source by Thomas Eliot

Selling Your Candles – Operating a Successful Market Stall

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The Market Scene

One of the best places to attract customers to your business is markets. Markets are found in all suburbs and regional areas of Australia, so there should be no problem in finding one that suits you.

Remember, markets are hard work. There are no shortcuts to running a successful market stall. There are early starts and long days, but done correctly you can be very successful.

Having been both a stall holder and a Market Manager of 3 markets I have seen both the good and bad of stalls. How your display looks at the market can make the difference between going home with much less stock and money in your pocket or going home miserable.

Here are some tips on running a successful market stall. The most important thing to realize is that you have plenty of competition and they are not only other candle makers. Anyone who is vying for a customers‘ money, is your competition. So what can you do?

Here are some ideas on how to get their attention.

1/ Have your signage professionally done. Hand written signs don’t look professional. If you want to save money, print them yourself on your home printer and laminate them.

2/ It’s not hard to make your stand attractive with so many candles. You have the colors, the jars, the fragrances. Everything you need to make it appealing. If you are able to make a good first impression, then customers will always remember you. Remember most customers choose the candle they want by the fragrance.

3/ Make sure you have the right attitude. No one wants to approach a person who is hiding behind their newspaper or looks absolutely miserable. Customers go to a market because they see it as a day out, to enjoy themselves.

4/ Keep your stall tidy. Keep all boxes and packaging out of site.

5/ Try not to eat or drink at your stall. I know everyone gets hungry, but have the courtesy to at least stop eating. Stall holders are generally very obliging people, so most would be happy to look after your stall for a few minutes to give you a break. Remember, that it is your stall not theirs so have the courtesy of not being be too long. If they get a customer at their own stall whose do your think will take preference?

6/ Be aware of your customers. Don’t ignore them. If you are already in discussions with one customer, then acknowledge other customers by telling them you will be with them in a minute. Ignoring them is a great way to lose customers.

The person who may buy is the person listening rather than the one you were directly talking to.

7/ If you have a uniform or T-shirt that has your logo, wear it. It shows that you are proud of your business and you are instantly identifiable and it’s a great way to promote your business.

8/ Some customers are reluctant to approach you if you seem too aggressive. It’s a good idea to try your approach on family and friends first to see what they think.

9/ If they are reluctant to talk, offer them your brochure or business card. Let them know how to contact you and how to place an order. Allow them time to browse through your information and let them know that you are available to answer any questions they have.

10/ It seems silly to have to say this, but be friendly and make them feel welcome. Wearing a name tag makes a big difference. It makes a customers feel more at ease if they know who they are dealing with. Once a customer either makes a purchase or seems interested enough ask them if they would like to be added to your data base. Make sure that there is some benefit to this, such as special offers and discounts.

11/ Make sure that you can answer any questions.

12/ Follow through if you get inquiries. If customers give you their email address, make the most of it. Keep in touch with your customers. Send them a postcard!

13/ Presentation is so important to a successful money making business. Whether you are doing a market, a candle making demonstration, a class or a corporate presentation, wedding fair, or an exhibition, you should invest in the correct presentation materials.

Markets can be a great start to any business, so take the time to do your research and make the most of your opportunities.

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Source by Frosa Katsis

Protecting Your Homestead Property Against Liens & Judgments

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Today, most residential homeowners do not realize that they do not have a „legal status“ of homestead on their Home.

Some states have homestead exemption(s) and homestead benefits but very few people have failed to realize that they must first „proclaim“ their home as their homestead in order to be entitled to such benefits.

Currently, the states that have the the best homestead protection limits are Florida and then Texas but few homeowners have failed to legally establish their homestead status and receive their entitled protection pursuant to that state’s constitution. HOMESTEAD EXEMPTION does NOT protect your home!

The one of the worst courses of action that any homeowner can do, is download one of those „cheap, cookie cutter“ homestead forms online, without having an in-depth knowledge of the homestead laws and their limitations and/or how it may affect them, specifically.

Never, Never, Never buy a generic form over the internet unless you thoroughly understand the Homestead laws of your state and you can defend the meaning and purpose of that form, in a court of law. This is highly ill-advised and probably one of the Worse Action that you can possibly do. Buying a cheap and very in-expensive Homestead form „product“ from the internet (normal cost: $25-50), instead of purchasing a valuable „service“. This is very poor form of asset protection and estate planning. Your residential Home is your greatest financial asset that you & your family own – Do not become „cheap and/or thrifty“ when it coming to protecting your home. Remember, the old wise saying, „You get what you pay for !“ – there is much truth in that

The biggest misconception is that homeowners „assumes“ that Homestead exemption protects their residential home… IT DOES NOT!

You have to protect your greatest asset – Your home against any possible future litigation and claims that can be attached against your home unless several specific self-executing procedures are completed and filed in their entirely.

We are proud to announce the expansion Homestead Services of Florida to others states and launching of our website for our revolutionary home protection service.

http://www.homesteadservicesflorida.com

What is exactly is „Homestead Services of Florida“?

What we do:

We offer Maximum Protection for your Florida Home against the all non-equity Judgments, Liens, Attachments, Lawsuits from lienors.

What liens or judgments are considered „non-equity“?

medical bills, credit cards, child support, nursing home,

judgement from lawsuits, etc.

What liens or judgments are considered „Equity“?

1) mortgage

2) Real Estate taxes

3) Assessment or maintenance fees (condo, villa, deed restricted)

4) construction or mechanics liens

Unfortunately most of us would agree, is that our legal system has run amuck and is out of control. With over 19,000,000 lawsuits filed annually generating over $135,000,000,000 billion dollars in court costs and legal fees, against individuals and companies. These numbers have consistently increased from year to year and continue to dramatically increase by surpassing the previous years totals.

Most consumers today feel that we are currently living in a „Sue-Crazy“ society. Statistically speaking, a person has a three times (3X) greater risk of being legally sued in a court of law then being admitted into a hospital for an accident or sickness.

It is essential that individuals and business owners protect themselves against this realistic possibility.One of the most valuable financial assets that an individual can own today, is their Home.

If you have money, attorneys want it !!

Every time a new lawsuit is filed, it becomes a „Declaration of War“. The Attorneys are fighting to take away the assets of anyone that they can drag into their case. Just because you may never have had a legal issue yet doesn’t mean your safe by any means. Even if you have to defend yourself, it may cost you thousands of un-recoupable dollars in legal fees. You should always prepare your defensive systems. The Only way You can win this War is to have your affairs in order BEFORE a lawsuit is served against you.

Example in my state of Florida:

The Biggest Myth „assumed“ by most Florida Homeowners is that they believe and have falsely assumed, that Florida Homestead Exemption protects their homestead property – It Legally Does Not!

TRUE FACT:

FLORIDA HOMESTEAD EXEMPTION DOES NOT LEGALLY PROTECT YOUR FLORIDA HOMESTEAD PROPERTY!

Florida homeowner says „But I receive my Homestead Exemption every year? Yes, this maybe true BUT this does NOT legally protect your Homestead property! Homestead Exemption’s primary purpose is for your annual $25,000 discount from Ad Valorem (Real Estate) taxes of your assessed value of your Florida home.

Do you realize that any person, lawyer, company, government agency, code enforcement board, or any entity can place a claim of lien against your Home at any time, for any reason, without cause or notification?

Florida laws states that you do not even have to be legally notified if a lien is placed against your home! Judgments and liens can stay enforced against your homestead property for between 14 years and 20 years depending on the year is was filed!

Ignorance of the law is not a legal defensive in a court of law! We help in assisting the Florida Homeowner in exercising their legal rights in providing maximum protection while shielding their most valuable asset, their Florida Home.

By utilizing our unique professional services through the use of legal documentation, filing and recording system -We can shield your Florida Home from the majority of Judgments, Liens, Attachments, lawsuits and litigation which is typically the first asset that most judgment liens are filed against.

But without our valuable services your home is 100% financially and completely exposed to frivolous and/or bona fide Liens, judgments, Attachments and is NOT protected under the full protection of the Florida Constitution and Florida Homestead laws as you have incorrectly assumed.

Once a judgment, lien or encumbrance is attached against your Florida home, whether a frivolous or legitimate claim, then you can do only 1 of 3 things:

Hire an attorney and Contest their claim in court – very expensive

Pay their Claim – very expensive.

Use Homestead Services to make their claim Legally Unenforceable without the expense of hiring an attorney – not expensive.

Call us or send us an email and protect your Florida Home today!

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Source by Darren Michaels

Estate Liquidation – Pros and Cons of Tag Sales and Auctions

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Executors faced with liquidating an estate’s personal property will quickly find that it is their most time-consuming administrative task. Executors who don’t perform their duties could be removed from office by the Probate Judge, so it is important that they single-mindedly pursue disposing of the estate’s property so that the bills can be paid and the estate settled.

What you’ll get from this article

Executors have three main liquidation options, and I will discuss the pros and cons of each in this article. Any company chosen to liquidate an estate should be vetted; I will tell you how to do this conscientiously, and I will also propose the best liquidation method. I assume that the twin liquidation goals of the Executor are to achieve the greatest cash benefit to the estate and to leave the house broom-clean so that it can be sold. Of course, there are ways to maximize the cash return for each type of sale, and I’ll tell you what they are.

Investing ten minutes into reading this article could save an Executor many hours of work.

Option 1: Have An Auction On-Site

Benefits of an On-Site Auction:

Auctioneers are very competitive lot. It should be an easy job for an executor to find an auction company willing to take the estate liquidation job, and commissions will be competitive. A strong argument for an on-site estate auction is that when the auction is over, there will be very little clean-up. If you like, the real estate can be auctioned as well, since auctioneers are licensed to auction the real estate and other titled property. In one day, the house, car, boat, RV, and all the household goods could be sold.

Negatives for an On-Site Auction:

Auctions are driven by competitive bidding. Consequently, it is necessary to have a lot of people at your auction. Big crowds require nice weather, plenty of parking, bathrooms, food, and refreshments to keep the people from leaving. Online bidding can be included to boost attendance, but it is the local crowd that builds excitement and drives the prices up. To attract a crowd, the estate must have collectibles and other quality goods. Run-of-the-mill goods that can be purchased at the local thrift store are insufficient to attract a good auction crowd.

Suggestions for an On-Site Auction:

If your estate has many large collectibles, like antique furniture or a piano, an on-site auction may be your best choice. Summer weekends, when the weather is warm and dry, are the best times to hold an on-site estate auction. The auction company you hire should be equipped with sound equipment, canopy tents, display tables, and plenty of help for fast checkout.

Option 2: Auction Gallery Consignment

Pros for Auction Gallery Consignment

If weather is a concern, you may want to consider consigning your items to an Auction Gallery. Consignments at an Auction Gallery are grouped according to the type of item in order to maximize turnout and get the best prices from their collectors. For example, there may be an auction dedicated to art and home decor, or musical instruments, or ceramics.

Cons for Auction Gallery Consignment

There are quite a few reasons for not consigning to an Auction Gallery. For starters, many Auction Galleries will take only the best items from the estate. Ninety percent of an estate is made up of items that are of little interest to the auctioneer, which leaves the Executor to deal with the remaining ninety percent of the estate property. Lastly, when an Auction Gallery spreads the merchandise out over several auctions, it can take months for all the items to sell, delaying the closing of the estate.

Tips for Auction Gallery Consignment

Before you consign to an Auction Gallery, ask the auctioneer how your merchandise will be distributed between auctions; get a guaranteed settlement date. You will also need a plan for disposing of all the remaining estate merchandise.

Option 3: Tag Sale On-Site

Pros for Tag Sale On-Site

Tag sales have several advantages over an on-site auction. For those that are not familiar with tag sales, the sale is held on the premises and in the house. Companies that specialize in tag sales are less common than auction companies. At a tag sale, everything in the house is priced, much like at a yard sale. Shoppers will browse through the house, and choose the items they wish to buy. When buyers arrive at the house, they take a number, and are admitted into the house when their number is called. Tag sales usually start on Friday evening and end Sunday evening, so there is no need to provide food or bathroom facilities. Tag sales can be held rain or shine and in any season

Cons for Tag Sale On-Site

The biggest disadvantage in hiring a tag sale company is that tag sale companies are not held to the same legal standards to which auction companies are held. Auctioneers and Realtors are bound by law to the estate by a fiduciary bond. A fiduciary relationship binds the agent by law to act at all times in the best interest of the estate. Fiduciaries are licensed by the state, must pass tests, be bonded, must hold all funds in an escrow account until distributed, and has to settle the account with the estate within a specific time frame.

Fiduciaries must also keep accurate records and follow certain protocols. Failure of a fiduciary to follow procedures can result in fines or loss of license. Tag sale companies are not held to the same legal standards, although they certainly have a moral obligation to the estate. Tag sale companies can handle the details of the sale and the distribution of the money any way they see fit.

Another problem with tag sales is that typically there is merchandise left over after the sale. Often, there is a LOT of merchandise left over. When a lot of items are left over, the executor then has a clean-out problem, because the house must be left „broom-clean“ before a realtor will list the house for sale. Unlike an auction, where prices go up with each bid, tag sale shoppers want to negotiate a lower price for everything, which is not only time consuming but costs the estate money.

Tips for Tag Sale On-Site

When working with a tag sale company, read the contract thoroughly, make sure settlement dealines are included. the operator should have a solid pricing plan, adequate staff, and a solid track record.

What about Internet Sales and Retail consignment?

Internet sales work well for items that can be shipped easily, like small collectibles, books, and artwork. Before you decide to sell these items online, remember that having a nice assortment of collectibles at your auction or tag sale is what will attract the buyers to your event. If you sell all the good collectibles online, you won’t get very good attendance at your sale. Dont even consider a retail consignment; they will take too long to sell your items.

How do I know if I am dealing with a reputable company?

Unfortunately, asking for references doesn’t always work; no one gives a bad reference. The Better Business Bureau lists ratings for some, but not all, companies. With an auction company, most states have an occupational licensing board which can give you the status of an auctioneers license and tell you if they have any complaints on file. Checking up on a tag sale company is a lot harder, because there is no agency keeping track of complaints. One website that is helpful is http://www.ripoffreport.com. When at the site search the name of the company you wish to investigate; also type in the owners name to see what that brings up.

Hire a company with a solid internet presence

These days, it is imperative for a company to have an online network. A company that is well-connected in the online world is likely to be a company that is well-networked in the local area. It’s unlikely that a company with a poor or no website will be able to use the internet to generate sales for your event. Doing a Google search of the company’s name or web address is the best way to to see how well connected they are. Go to Googles search bar (not the address bar at the top of the page, but the search bar in the center of the page) and type in the companys web address starting with www. How many search results are returned that pertain directly to the company you are investigating?. If the company is a national franchise, disregard the results for the general franchise and only count the results where the local company is mentioned. Ranking well with the search engines doesn’t necessarily mean the company will be the best one for your needs, but it is a good indicator of the professionalism of the company. Typically, companies that have lots of returned results do so because other organizations want to associate with experts in their field, so they link to the experts website. A large number of linking companies is like a „vote“ for the company being linked to. A company that displays lots of Google results is usually one that is recognized as being expert in their field.

So, what’s the best way to liquidate an estate?

The best type of sale for estate liquidation is to hire a licensed fiduciary to sell the estate property in one day, to the bare walls, any time of year. To achieve this would require an event that is part tag sale and part auction, run by an auctioneer. Since Tag Sale operators are generally not licensed auctioneers and auctioneers usually hate to do tag sales, that’s a tough solution to implement. There are auctioneers that combine these services, however. Finding such a company will give an executor the flexibility of having a sale any time of year, the ability to sell down to the bare walls with nothing left over, and the assurance of dealing with a state licensed and bonded fiduciary.

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Source by Wayne Jordan

Game Truck Business – Not a Turnkey Operation

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

A new type of birthday party has arrived for kids. No longer are kids going to be content with cake and ice cream followed by outside games in the yard, such as kickball or volleyball. Today, kids have a new type of birthday party request, a Mobile Game Truck birthday party.

This type of birthday party is when you hire the owner of a mobile game theater in your area to arrive at your home for 1 to 2 hours to host your kid’s birthday celebration inside the truck. Most units sit between 14 to 20 kids and have up to 5 TV screens. Every video game imaginable is included for each of the main game consoles, Xbox, Wii and PS3. The kids can all play the same game or all play separately. No matter what they decide, it’s the fastest 2 hours of their lives, I assure you. What a lucrative business for the mobile game theater owner, if he can find birthday parties to host, that is.

This leads me to the main point. Now that I’ve explained what a game truck is and it’s main function, now I want to shift and concentrate on potential owners. It is impossible not to consider purchasing a mobile game unit when you can see how lucrative it can be. These types of birthday parties typically fetch around $300.00 in two hours. If you have 6-8 parties a week, you an easily earn six figures per year owning a game truck. But, getting started is not as easy as it might seem.

When purchasing a one, you will find manufacturers who want to sell you on the idea of a game truck franchise, like Subway or McDonalds. They claim the business is a turnkey operation, that you will be successful immediately. All you need to do is pay $20,000 for a franchise fee, plus $1,000 per month for their marketing you will given an exclusive territory within the company. Meaning, they will not sell another unit to anybody else in your area.

Well, that leads to a slight problem. There are multiple companies selling the game trucks. So, if your neighbor wants to enter the business and your company will not sell him a game truck, nothing is going to stop him from buying from one of the other companies who sell game trucks. In that regard, is there really any such thing as exclusive territories?

With that in mind, there is no reason to buy a franchise. All you really need is the game truck itself and the proper marketing, which leads me to the final main point. Marketing your unit should be a very serious consideration when purchasing it. If the manufacturer tells you that the business is turnkey, but fails to mention marketing, then they are not being truthful. There is nothing turnkey about the game truck industry.

Owning a game unit alone will not get you calls or book you parties, as some game truck sellers would have you believe. When buying a game theater, you will have to invest between 65,000 to $110,000, without a franchise fee or marketing fee. With this much invested, you will want to begin earning income with your game theater as soon as possible.

Finally, be wary of any company that builds in monthly maintenance fees for marketing beyond the purchase of your unit. What guarantee to you have that the marketing will work? Even if you were to check a few references, who is to say the sources are legitimate or that the same marketing that worked in that area will work in your area. We think, instead, you need performance based marketing, where you only pay a certain percentage of the business you actually get from the marketing. That means you only pay the marketing when you get business, which is paying for performance, not promises.

Finally, to sum all this up, there are two main points. When choosing the right manufacturer for your game truck, be sure there are, 1. no franchise fees and 2. no built-in marketing fees.

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Source by Omar Lagudali

Advantages of Taking a Holiday in Your Own Country

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If you have to make a choice of a holiday destination, will it be in your own country or will it be in another country? Of course, there are many attractions to holidaying abroad, the experience of a different culture, different landscape and lifestyle.

However, on a different angle, you too can have an enjoyable holiday in your own country. Many of us forget or take for granted the attractions in our own country. Sometimes, a foreign visitor knows more about these attractions.

Staycation is a new word that has come to use recently. A staycation is a vacation spent at your home or takes short trips from their home to area attractions, parks and nearby cities.

So why not consider the following points for a great staycation:

1. Rediscover places you have visited when you were young. Share your childhood holiday memories with your children.

2. You can do several short breaks like weekend breaks to the countryside, theatre breaks, adventure breaks or spa breaks.

3. Visit the tourism office and find out about new places to visit. Sometimes, being in our own country makes us complacent about trying new things or exploring new places.

4. Talk long walks in the countryside, you could discover hidden gems; scenery that you didn’t know exists.

5. Travelling with the family is less of a hassle. There is no massive number of luggages to pack and no worries about food.

6. As you are familiar with the custom, language and way of life, all you need to do is relax and marvel at the beauty of your own country’s landscape and history.

7. This is also a good time to go to the places you have always wanted to visit.

8. Instead of going overseas for holiday theme parks, why not explore your own holiday theme parks. You would be amazed that they offer the same kind of adventures at a lower cost.

9. Go for a camping holiday, it is easier to bring your gears such as tents, cooking utensils, bicycles and trekking boots when you are camping in your own country.

10. Find a new hobby or indulge in your interest. Go for a fishing holiday in permitted nature reserves, a boating and skiing holiday off the coast or a golf holiday in a golf resort.

The internet is a good place to look for ‚Staycation‘ offers. Look out for offers for locals; these businesses need your custom even more now. Go on, this is the time to rediscover your country and its splendor.

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Source by Jennifer Lim

How to Become a Professional Home Builder – Part I

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Over the years I’ve had many of our builder students ask pertinent questions such as what size home do I build; what do I put in it; where do I build it? Looking back it’s easy for me to make these decisions now, but when I first started building in 1975 these were trial and error situations. And my hindsight is crystal clear. It’s very easy for me to look back and see things I wished I had known when I first started building. That’s what you’re going to learn in this article.

You’ll learn the pros and cons of being a speculative or spec builder (as opposed to a contract builder.) If you’re not familiar with those terms, a spec builder is one who will select a site, choose a design, build a home and then sell it to a client. A contract builder is a builder that you hire to build a home for you. By the way, spec building is how I suggest you begin rather than building a home for somebody else. I’ll explain why later.

I’ll begin by showing you how to be one of the best spec builders in your area, even if you’ve never before built a home. I’ll expand this information by discussing points that are unique to spec building. Next I’ll discuss points that are unique to contract building, and points that pertain to both spec and contract building.

A Word Of Caution

I want to stress that when starting your construction business, you must separate your business from your personal life. In the early 70’s I was in real estate commercial sales. I barely survived a major recession. Almost everything I owned was in my name and most of it was repossessed. Had I known then what I know now, I’d have retained that large home, that Mercedes and that airplane.

In the construction industry there are many things that can happen to you, some of which you have absolutely no control over. According to the 2008 Annual Report by the National Center for State Courts, in 2007 Americans filed over 90 million lawsuits, more than a third of which were civil cases. This does not include the volumes of legal disputes that were settled before a lawsuit was ever filed. Based on the sheer number of legal disputes that arise, in and out of court, one could say that most Americans run the risk of being involved in a legal dispute at some point in their lives – for many people, more than once. This is especially true for those who work in professions with high lawsuit vulnerability such as doctors, dentists and, yes, especially builders! You should invest in hiring professionals to help you protect your assets. It’s easier than you may realize. This is one time you can’t procrastinate. I can tell you some great horror stories but I don’t want to scare you this early in the game. Anyway, don’t live in fear of what might happen. You only lose if you don’t play.

I. Speculative Building

A. How To Be One Of The Best Spec Builders In Your Area

Before you buy a lot, before you buy any house plans, the first thing I want you to do is put together your success team. I call this the Henry Ford philosophy. If you read about Henry Ford, you’d learn that some people considered him to be illiterate. He once sued a Chicago newspaper that wrote an article claiming he was illiterate. In the lawsuit, Henry Ford emphasized that he didn’t need to know everything about everything because he hired experts to assist him in all that he wanted to do. This left his mind free and clear to do all the things that he really knew how to do. Well, I’ve learned from that philosophy myself over the years. I realize there is not enough time in this life to do everything. I now hire experts to assist me in my decision-making, and it has been a positive factor in my success building homes.

Your success team should include the following:

1. Real Estate Agent

2. Landscape Architect

3. Artist/Architect

4. Kitchen/Bath Designer

5. Interior Designer

6. Lighting Designer

I’ll discuss each of these team members in detail as we go through the course. Don’t be concerned. When you start out, you don’t need the best. These team members are more affordable than you could possibly imagine.

B. Obtaining Your First Loan

Let me tell you a story. And the further you get away from this story, the harder it’s going to be to borrow money to get started.

Let’s assume that you’re gainfully employed. If you’re not employed, but instead are self-employed, then you have to have a high credit score or produce tax returns for the past three years to qualify for the loan. If you currently rent a home or apartment and you want to build a home for yourself, you’re a prime candidate to borrow money to build a home – for yourself. So, you get the money. You build a home. You put it on the market during construction. You sell it. You go to the bank. You borrow money under the same premise. You get the money. You build a home. Put it up for sale. Sell it. Do it over and over again and pretty soon you walk into the bank and the banker looks at you and says, gosh, you should become a home builder. And you are.

Now, that’s the easiest way to get started. Most every builder I know got started in the industry this way. This method will also provide you with the least risk. Why? Because if you don’t sell the home you’ll simply move into it. In turn, this will make it easier for you to sell because a home that is furnished will normally sell faster than an unfurnished home. You’ll eventually sell it and can start the process again. The bad news is that you may be moving a lot. I remember one couple that wanted to own a home free and clear. They used this method on five homes, plowing their profit back into each home. Their sixth home was constructed completely from cash. They owned it free and clear and got out of the construction business. They simply wanted to do what it took to own their home free and clear.

The further you get away from the above scenario, the harder it is to get the initial loan when you’re just getting started.

For example, let’s say that you currently own a home and you want to borrow money to build another home for yourself. A banker will generally be negative. They tend to look at the downside and might comment something like this. „That sounds real good but you currently own a home. What are you going to do with your current home?“ Your response is, „I’ll put it up for sale during the construction of this new home and then I’ll sell it.“ The banker comments, „That sounds pretty good, but what if you don’t sell your current home?“ The banker generally looks at the downside – that is you’re going to be stuck with two house payments. If you’re able to show you can afford two house payments, you may very well get the money.

You always have to have a successful conclusion to your story you tell the banker. Never look at the banker and say, „Well gosh; I’m only borrowing 70% of the appraised value. If the bank had to repossess the home the bank would have a bargain. The bank could sell the home, and make a good return on its investment.“ Never use this kind of logic on a banker. Bankers don’t want to be in the homeowner business. Never imply or even think in your mind this will happen.

If you’re not gainfully employed or you have a problem with your credit or you have no cash, your next best method is to find an investor that will joint venture a project with you. I’ve done this on many large projects when I didn’t have the finances to afford it myself. What I normally did was to structure the investment so that the joint venture partner would put up very little or no money. Investors really like that! What I needed was their strong financial statement. Understand, there are many investors, such as medical doctors, who have tremendous financial statements but they have very little cash. So if you can structure the investment so that it requires very little or no cash, it becomes a relatively easy investment to sell. When I’ve worked with a joint venture partner, after selling the investment, the investor would be repaid any cash he had invested, plus a fair interest rate that was agreed upon up front. All remaining profits would be split 50% to me and 50% to the investor. Normally in a situation like this, the investor would let me deduct any out-of-pocket expenses but, understandably, they would not let me take any salary.

You would not believe some of the wild, crazy, ridiculous investments requiring large amounts of cash I’ve seen these people put money into. Many of them have the same luck in the stock market that I have. These people should feel blessed that you came into their lives with a viable real estate investment. I’ve found these people by talking to friends, going to investment seminars and running ads in the paper.

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Source by Thomas R. Harrison

What to Make and Sell Online – Easy Woodworking and Wood Craft Projects

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If you’re trying to decide what to make and sell online, woodworking projects are often dismissed because many people don’t feel that they have the skills necessary to do these types of crafts. Contrary to that belief, there are a significant number of woodworking projects that are easy to do and require little to no prior experience or skills.

Plywood can be purchased at various thicknesses and is a great starting material for novice woodworkers. Measuring and cutting is very easy. In fact, many of the home improvement stores will cut the plywood for you. You can use pieces of plywood to make model houses, simple trinket boxes, birdhouses, photo frames, mirror frames, and much more. You can also cut plywood into simple shapes and paint it as Christmas ornaments, door hangers, house address numbers, decorative sayings for the kitchen or home and more.

Another great material to start with are popsicle sticks. The standard size and the tongue depressor size are both great because they can be glued together with wood glue and they can be bent to meet your project’s needs. To bend popsicle sticks, simply soak them in vinegar to make the wood flexible. Popsicle sticks can be used to make an incredible number of things from small houses to birdhouses, baskets, boxes, figurines, picture frames, ornaments, magnet frames, and more.

Another popular product that can easily be made of scrap wood or barn boards are rustic picture frames and mirror frames. Primitive benches and birdhouses also sell great using these materials. In some cases, you may need to find a pattern, but much of the time, you can learn how to make these items with simple measurements and cuts.

Precut wood shapes can be purchased from your local craft store at minimal cost. These can be painted to be ornaments or can be glued together to make household crafts. Wooden beads can also be purchased at little expense. These little treasures can either be hand painted or hand carved and then strung into necklaces, bracelets, and other trinkets.

There are so many other creative things you can do with simple things such as twigs and branches. For example, you can cut branches into slices, sand the rough wood down and drill holes to make primitive and natural buttons. Twigs can be gathered up with beautiful ribbon to make small broom ornaments, a favorite around Halloween. Gnarly branch ends can be turned upside down to make a natural jewelry holder. You can decorate vases, ball jars, votive candle holders, picture frames, mirrors, plaques and more with small, uniformly sized twigs to give the item a rustic feel. These are great seasonal items as well as year round items for a cabin or country home.

Tree branches have been used to create beautiful centerpieces, wreaths, family trees, wall branches and more. There is truly no limit to what you can do with and make from these items. You’re limited only by your own creativity.

Wood crafts sell wonderfully online, partially due to the fact that many people that they lack the skills to accomplish woodworking projects. Starting these projects is much easier than many people think and as with any skill, the more you do, the better you become.

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Source by James M Grippi

How Do Tow Truck Companies Work?

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A tow truck company is a simple concept. The main purpose of a tow truck company is to move disabled vehicles at the request of their owners or the owner/administrator of a property. In urban area or apartment complexes tow truck companies operate to control illegal parking by owners who don’t follow posted regulations or parking rules. In these cases areas in question have limited space for parking and they reserve the right to allow people to park only if they pay for a space or allow people to park in spaces at certain times. If either of these rules are violated it is the right of the owner to have the vehicles towed off the premises. In these cases the owner has contracted in advance with a towing company to service their lots. The property owner will provide signs to patrons as to how to retain their vehicles once they have been towed.

Towing yards are fortified prisons for vehicles. The yards are usually gated with bob wire surrounding the property deterring vehicles owners from jumping the fence to get their car back. The yards also employ automatic fences and state of the art video surveillance to guard against intruders. At night, guard dogs are release to further deter prowlers from stepping foot on the yards premises. Getting your car back from these yards entails paying a fee. These fees can be fairly expensive and usually range from the low $50 dollar range to upwards $100 to $200 dollars. It also depends on the amount of days the tow truck company has your vehicle on their premises. Most yards charge a storage fee per day. This could be another $20 to $50 dollars per day. After a while the fee can become very expensive. If the car is never retrieved a lien is put on the vehicle by the tow company at the Department Of Motor Vehicles. If the lien is not paid off the tow company will file with the local courts for ownership of the vehicle. Once ownership is obtained the cars are either auctioned off or scrapped for spare parts.

Emergency Services is another way that tow truck companies work. If you vehicle is disabled on the highway and you don’t have a means to remove it or you are just to disoriented to solve the towing issue emergency services will have the car towed for you. Owners of towing companies contract with operations like triple A and police organizations to tow disabled vehicles off the highway. Triple A is an organization that participants pay a yearly access fee to be able to have access to emergency vehicle services. In times of need this organization is very helpful.

City Parking – In big cities the parking authority division employ a number of tow trucks to enforce parking laws enacted within city limits. These may be as simple as not paying a toll or parking ticket and parking in a no parking zone. Parking authority will choose to tow your vehicle in exchange for the right to make you pay your tickets in order to get your vehicle back. If the violation is not paid the vehicle towed will be sold at auction.

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Source by Kenneth Elliott

Architectural Interior Photographer Discusses: What Determines a Good Interior Photograph?

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Interior Photography is the most challenging of all the professional genres of commercial photography. Every detail is critical; every prop must be correct and in just the right location; busy-ness must be avoided; things must be cleaned up and simplified; lighting can be challenging; and in addition to all that, one must understand how best to portray the „look and feel“ of the space that architect of interior designer worked so hard to convey. The photograph will always be better than the reality! It will have clarity of vision; illustrate what your client is selling; have an atmosphere of light (usually created by the photographer’s lighting); be inviting; have a feeling of „presence;“ have a clean and simple look; and it will have drama and movement.

Some simple rules to start with:

1). Define your client: Who is your client? The architect, builder or realtor will want to show relationships of the design to the space and the intention and flow of the design layout. The interior designer will be concerned more with the furnishings and the details of their design. Architects like drama and usually don’t mind some wide-angle distortion, whereas, the interior designer or the product photo my find distortion to be a problem. In any case, the distortion must be used judiciously – it has to contribute to the overall composition in an effective way.

2) Angle: The One point perspective or „head on“ view is strong and symmetrical. The Two-point perspective may define the space effectively but pay close attention the how the space of the photograph is divided. The emphasis should be on 2/3 of the composition; don’t divide the space in half. For architects and builders, be sure to show significant design detail and take into consideration how the spaces work together. Don’t‘ try to show too much – keep the viewer’s attention on important elements. A couple of good photographs are far more effective than a lot of weak ones. Go for quality, not quantity. Remember the adage: „Less is more“ – wide angle doesn’t mean that one should show more, just because it is possible to do so. EVERYTHING in the photograph must hold it’s own weight and be accountable to the overall composition. Every angle, line and detail has to „work“ in the photograph.

3) Height: A low angle foreshortens and can be very nice for some views, however, it is important to show the important elements of the interior also. Be high enough to separate the elements and keep the composition clean and clear. Avoid a cluttered look and having things „grow out“ from the tops of furniture, etc. Occasionally a high view is required but usually I find that a little lower than eye level (if one is not too tall) is favorable and pleasant. The higher the lens, the more foreground distortion; A piece of furniture too close to the foreground (especially a round table) will become very distorted with a higher view. Often the foreground will determine the camera height. Having the foreground „fall“ out towards the bottom edge of the photograph is very disturbing and must be avoided by either adjusting the camera height, camera position or moving the furniture back from the foreground.

4) Arrangement: After the angle has been determined, frequently the furniture must be rearranged to fit the format and perimeter of the photograph. Sometimes this may be subtle; other times it may be drastic. A pleasing composition and balance must be found and concerns such as distortion of furniture, tangents and „busyness“ are addressed at this time. I always get the large pieces in place first and then work down to the smaller scale furniture from there. Everything must be perfect – from the direction and relationships of the furniture to each other as well as their relationship to the room. Always adjust everything „to camera“ – the room setting may appear totally out of place from another vantage point, but it will look correct from the camera position and that is all that matters.

5) Props: The final details in the set are the arrangement of the props. I start by taking out all the clutter and then carefully putting things back or finding other elements that compliment the space. Bookshelves are rearranged to look more uniform and uncluttered, desks and work areas, totally cleaned up. I almost always add fresh flowers and plants to „soften“ the look and feel of the space as well as books to fill space on tabletops etc. I like to have height to contain the edges of the image; taller plants can work well for that. Kitchens are particularly challenging to prop; they must look clean and orderly but also look livable. I frequently use bread, bowls of fruit, flowers, etc. Simple breakfast settings of orange juice, coffee bagels and a newspaper can also work well. Pay particular attention to chair legs – they can get very busy looking if not handled carefully. In corporate settings, conference room chairs should have the legs and wheels all going in the same direction, the chairs should all be spaced exactly the same – again – it may not appear that way from another position, but it must look very uniform form the camera position. A clean, styled uniform look, that is also loose enough to feel real, is the key to successful propping. One of the most important qualities that the interior photographer must have is patience as well as being extremely detail oriented. It is essential to have everything perfect; the direction of the cup handles; the arrangement of the flowers in the vase; the space between accessories on the table; lamp shades must be straight and undistorted; the color of the page in the open book. Every element in the interior photograph must „play“ off and work with each other, as well as within the context of the whole.

6). Lighting: Good lighting separates the average photographers from the great ones. Light defines the feel of the space and it gives it a three-dimensional look. The trend lately, especially since the advent of digital photography, has been to use predominately ambient light. For some clients and under specific conditions this may be acceptable, however, compared to what good lighting can do for the scene, the results are very flat, uninspiring and „dead“ My approach to lighting varies depending on the space and client, but my philosophy is consistent – I light to create a beautiful photograph; my lighting always enhances the space and I use my lighting to lead the viewers eye through the space and feature important details and design elements. A good photograph will always look better than reality. Sometimes my lighting will simply enhance the existing light, other times I will totally transform the interior or the exterior of the building. Whether the lighting set-up is complex or simple, good lighting will always enhance the overall look of the photograph; it will add highlights and shadows, separate tonality (especially with dark with tones and shadows) and emphasize texture; it will bring saturation to color and a feeling of LIFE to what would otherwise be a lackluster image. Regardless of how beautiful the space is and how well the designed lighting adds atmosphere – adding lights will ALWAYS help the scene. The only exception to this rule would be in very large spaces, and even, then placing lights in strategic spots can make a big difference.

As with anything else in life, in order for one to excel in a particular field one must be passionate about it. Photographing interiors is a highly specialized field and it is not for the feint of heart. An Interior photographer must be very detailed oriented, and have a love for and at least a layman understanding of, architecture and interior design. Often times the client will totally depend on your expertise, so one’s knowledge of what „works“ in the interior photograph must be at least on a level as the professional whom you are working for. Personally, I find the blend of technical details with aesthetics to be very pleasing; every shoot is like solving a puzzle – the work never gets mundane or boring.

Immobilienmakler Heidelberg

Makler Heidelberg


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Source by Paul Schlismann