What Is the Difference Between Reinstatement Vs Modification of a Home Loan or Mortgage?

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If your mortgage lender has sent you a letter demanding that you pay all of your back payments, as well as all late fees, penalties and legal fees in order to become current, then the process they are working with is called a reinstatement of your loan. Your lender views the delinquent amounts as defaulting on the terms of your home loan. This requires them to demand you catch up or they must foreclose on you and take your home. Can a home loan modification avoid this process and get you current without your having to pay this large amount? If the answer is yes, then why is this true? You may ask, what is the difference between reinstatement and modification of a home loan?

The demand for payment letter that a borrower receives is based on the terms of the loan. It only allows for paying the payment as described in your loan documents. If you are behind on your payments, you are still going to be held to the terms of your contract with the lender. There is no language in your loan to allow for changes. Therefore the lender has no other option other than collect or foreclose. You have fallen into default and the only contractual way to become current is to pay all past due amounts. Then your loan has become „reinstated“ and you can keep your home as long as you continue to make payments on time. This process is called reinstatement.

But, the problem with the reinstatement process is, that if you are too far behind then you will be unable to find enough cash to catch up all at once. The language of your loan, then triggers a foreclosure that you are unable to stop.

Unless….You are able to work out an agreement with your lender to „change“ the language and terms of your loan. This type of situation will call for „modifying“ your loan. You modify the terms to make it possible for you to continue owning and paying for your house. It would include interest reduction to lower your monthly payment and taking your unpaid payments and putting them back into your loan. The new terms would have the effect of creating new monthly payments, which would be affordable to you. Your monthly payments would now fit within your monthly budget.

Why would the lender do this? Because, your lender loses a great deal of money whenever they foreclose on a home. This is complicated, but the costs your lender must pay can include:

1. The cost of the foreclosure process going through the court system.

2. Your home will probably sell for less today that just a few years ago due to the economy. If your lender receives less than you owe them, then they lose this money.

3. Care of your home while it is in the selling process. This includes large realtor commissions, utility bills and upkeep.

4. The lender borrowed money from an even larger lender in order to loan you the money you used to buy your home. Your lender must pay this back.

5. While your home is in foreclosure or being sold, your lender cannot use it as an asset on the bank balance sheet. They are then criticized by government regulators.

Well what does your lender want? First of all, the lender wants you to catch up your payments on your own and get a reinstatement.. If that is not possible and you can identify the problems you have had that forced you to get behind, then the lender wants to work with you. The lender wants you to show what was wrong; what is different today; and what amount you can afford. Then they must see if they can make your plan work from their point of view.

If you can agree on terms that work for you both, then you can change the words, or terms, of your loan to incorporate the new agreement. You will not be getting a new loan or a refinance loan. You will do a „home loan modification“, which simply changes some of the terms of the loan, so that it now includes your new agreements.

Home loan modifications are done thousands of time per day, due to the present housing crisis. You can do it yourself, if you are familiar with the process. However, this can be tricky. I would interview several home loan modification process experts. Find out what they promise, what they charge and if they will take payments. For my recommendation see my resource box below.

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Source by Danny Hammond

Herbalife Review: 4 Pros and 4 Cons You Need to Know

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If you’re looking to start a home business of your own, looking into multi-level marketing and currently investigating Herbalife International, I have information that will help you. I did some research and found four pros and four cons that will help you make a sound decision before investing your time, money and energy into the business. I decided on four to give you enough of a picture of what the business is like. Pros of the business: easy start up system, high quality products, high income potential from compensation plan, and interactive training. Cons of the business: high inventory costs, marketing plan, franchise site, and live trainings.

First pro of the business, Herbalife has an easy start up system. It is designed as a „turnkey“ step by step system; you literally follow their instructions, click on and fill out a few forms and within minutes you’ve got a business and website of our own. Next, Herbalife has numerous quality product lines for inner and outer nutrition. The products are developed and tested by a group of scientists and nutritionists along with multiple independent 3rd party companies whose sole duty is to perform clinical trials and verify the tests of products for the various regulatory bodies. Herbalife also has compensation with great potential for substantial income. As it is designed from a multi-level marketing structure you grow your business by teaching other business owners within your down line to run a successful business. Using a principal known at duplication, you receive a percentage of their productivity. That continues until 6 levels or a tier of distributors, that’s the vertical chain of your down line, the horizontal lines of distributors are unlimited within each level. The final pro is interactive training; once you begin with Herbalife you’re given the leverage of your mentor’s ability to close sales with your customer and distributors sales calls. Once you’re more comfortable with the process and confident in your ability you can upgrade your calls with your mentor on the line listening in and providing feedback to increase your skills and understanding with each call, on occasion you can phone in on various up line leaders calls and hear how it’s done.

Cons of the business, Herbalife has high startup costs due to inventory. To begin with Herbalife you must buy into the company by purchasing inventory. The amount of inventory you purchase indicates your level with the company. The level in the company governs your commission percentage with each sale and leaves you with the responsibility of selling the corresponding inventory amount. The inventory startup cost can reach thousands of dollars and many find the task daunting when dozens of boxes are shipped to your house. Next, the marketing structure I put down as a con for a couple of reasons. The marketing plan relies heavily on your local market and the problem there is nobody’s local market is the same. You may not have the influence required to sell things like a business opportunity or nutrition products to your market. In addition, your warm market may not be a qualified market, which means not interested in or have the money to spend on the product or the opportunity. Those two factors are very variable and incredibly important because starting a home business is an uphill battle without adding those struggles to your plate. Another con of the marketing plan is that you’re relying on others for your income. Many refer to this as the problem of constant recruiting each month. I’ll back up a second, multi-level marketing uses one simple but hard to swallow law, the law of large numbers. You need to see so many people, say 100 people for 1 to be interested and you need to see 50 interested people before you find a solid lead. A solid lead is someone who is interested but has the work ethic and character needed to make the business a success; they will treat it like a full time job instead of a part time hobby. When you end up recruiting a lot of part timers you need to constantly recruit each month to acquire the income you’re seeking and recruiting takes time, money and energy.

Next, con is the website design. The websites are set up as franchise sites and website franchise sites are much like brick and mortar franchises, they all look alike and operate the same. Great for brick and mortar like subway but bad for the internet. When everything looks the same there is no unique value for the consumer that separates you from the competition and if you’re advertising on Google and so is your competition, and let’s say they pay more for the ad. They will get the customer because it makes no difference to them so they buy from the first site they see and you lose the customers because you lost the bidding war. Franchise sites are online cash registers, they work when you guide people to them and do all the work to get the money but you must be in control of every aspect of the sale. The final con is the live trainings, like many home businesses extensive training and support is a must and trainings are great, you get more understanding, more confident and overall feel good about your success. The reason it is in con is because you need to see things over and over again to understand them, absorb the information and internalize the trainings. Let’s take an example on this one, you get done with your day job and hustle to the local internet café with your laptop and since you’re a home business owner now you’ve got 15 things to do. Learn criteria, learn the operations, get better at selling, meet enough people to make it work and be on the training call. Here in lies the problem, you need the info to get better at this and fast. So you can do revenue generating activities and make money to pay bills and put food on the table. The meeting takes place and has good information but you don’t get all the information from note taking and then they move on to 30 minutes worth of announcements and promotions for your business. You have 10 minutes worth of value for your business and realize you could’ve been doing something to generate sales instead of going to the meeting. My point here is live trainings cause you to hustle to the meeting and wait for information that you hope is good, and when the meeting is over the information is gone.

When I looked at the opportunity I passed and here’s why. I wasn’t looking for high inventory startup costs and inventory management, which means I’ll have a lot of administrative duties each day to do and time is of the essence when you’re a home business entrepreneur. I didn’t like the franchise site, I don’t want a site that’s pre-maid and I can’t control and update its layout and be stuck with a digital cash register. Finally, I didn’t like being confined to my local market, I live in a small town and don’t‘ want to be branded as the person who goes around pitching a business or product, people don’t like being pitched or worried they’ll be sold.

I was looking for a service, with no unnecessary amounts of inventory for my garage or basement, I wanted the opportunity to promote and brand myself and more importantly leverage my time by marketing over the internet. The internet is an incredible tool and I wanted to market in multiple places to masses of people who are looking for what I had to offer.

To see the company that fit my criteria go to my blog and for your own research, expanding knowledge and convenience I’ve provided you with the report that I used for my research into Herbalife.

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Source by John Mcilhattan

What Is the Difference Between a Counterfeit and a Knockoff?

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A common question for trademark lawyers is what is the difference between a „counterfeit“ product and a „knockoff“ product?

The term counterfeit is strictly defined by federal law. The term knockoff is used colloquially to describe those products that copy or imitate other products, but which may or may not be illegal under trademark laws.

The key difference is whether or not the product contains a brand name or logo that is identical to a registered trademark.

In the United States, the federal Lanham Act is the key statute defining trademark laws. Sections 32 and 43 of the Lanham Act allow trademark owners to pursue civil lawsuits. Additionally, those who knowingly sell counterfeit goods are subject to criminal prosecution.

A counterfeiter is one who intentionally and identically (or nearly identically) copies a federally registered trademark and places the fake logo or name on goods that are not authentic. These products are considered illegal because they clearly are intended to confuse consumers at the point of sale, and are a fraud on the public. Someone can be a counterfeiter even if he doesn’t make the products, but sells them to others.

„Knockoff“ is a broader category, and can include products that have a confusingly similar overall appearance to a well-known product, but which do not contain any identical logos or federally registered brand names. Those who sell such products may still be sued by the trademark owner because these products can still cause consumer confusion, even if they do not contain counterfeit logos or brand names. However, these type of „knockoffs“ cannot be criminally prosecuted.

Trademark owners may bring civil lawsuits against both types of targets: (a) those who produce and sell counterfeit products; and (b) those who produce and sell knockoffs.

The Lanham Act provides a variety of remedies to trademark owners, depending on the factual circumstances and the products involved. These remedies include imposing hefty fines, injunctions, destruction of the counterfeit goods, as well as litigation costs and, in exceptional cases, making the infringer pay the trademark owners‘ attorneys‘ fees and investigative expenses.

If you call a counterfeit product a „replica,“ can you still be sued and/or criminally prosecuted? The answer is absolutely yes.

The product itself is still considered a fraud, regardless of the specific manner in which it is marketed and sold. It is intended to confuse consumers, both before, at or after the point of sale. Calling thousands of fake watches sold online „replicas“ makes them no less harmful to the brand owners, whose brands become diluted and tarnished as a result of the flood of fakes on the marketplace.

Further, there is no guarantee that the counterfeit watch will not be given as a gift, or re-sold later to an unsuspecting consumer. Therefore, merely calling a counterfeit product a „replica“ does not make it legal to sell it.

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Source by Joseph C Gioconda, Esq

Win Your Next Property Tax Appeal in Texas – 10 Basic Steps

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First – Learn the Facts

You are most likely to succeed with your property tax appeal if you find factual errors in your property tax record, also known as an „appraisal card“. Mistakes in real estate appraisals, such as errors about the age of improvements or incorrect square footage measurements are not uncommon.

After you file a Notice of Protest, the appraisal district will schedule an informal conference with one of their staff appraisers. Bring any proof for your case to the appointment in the form of photos or other documentation supporting your claims. The appraisal district will need to keep your evidence for their file, so remember to bring extra copies.

Understand How Your Home Has Been Appraised

Harris County Appraisal District [HCAD] has over a million single-family residential properties to appraise. Montgomery Central Appraisal District [MCAD] has responsibility for valuing about 250,000 homes. The daunting reality is that there are not enough well-trained staff appraisers to go around.

In the real world, appraisal district employees sometimes are not able to inspect much beyond new construction or additions. Even when properties are inspected, the examination may be hardly more than a drive-by. It is more common now for appraisal districts to rely on aerial pictometry for various aspects of property inspection. The level of technological resources now available to most appraisal districts is impressive.

Given the overwhelming number of properties that must be re-valued, these appraisal districts are dependent on computer mass appraisal models. The mass appraisal models that counties use are inevitably imperfect, although some are better than others. Your quest will be to determine the ways and the degree to which your property and your neighborhood have not altogether fit the model.

You may ask a real estate agent to help you find some comparable homes and their actual sales prices. Most good agents don’t mind helping you, because you may work with them later. Remember you want to be able to prove that your house is in a lesser condition than the comparable sales. Try to compare your home to the best ones in your neighborhood. If you can find information on better homes that sold below your assessed value during the prior year, you may have the grounds for a reduction.

Research the Value of Your Neighbors‘ Homes

The easiest way for most homeowners to develop an appeal is to use the sales comparison approach to market value in their appeal, however the sales do not always favor your case. Another angle you can try is to determine if your home has been appraised in a „uniform & equal“ manner to other similar properties in the same neighborhood.

Check if the appraisal district’s value of your house is at, or below, the median of the tax appraisal value of other homes in your neighborhood. Texas appraisal districts will have this information available online through their websites.

Obtain the Appraisal District’s Evidence

Along with your „Notice of Protest“, submit a request in writing for all the evidence the appraisal district used to value your home and intends to present at an Appraisal Review Board [ARB] hearing. It is also referred to as the House Bill 201 [HB 201] packet. Review this information to ascertain how the appraisal district determined the value of your home. You may find that this uncovers shortcomings the appraisal district’s case.

Don’t Lose Hope – You Have a Few Chances to Get It Right

If you are unable to settle your case one-on-one with a staff appraiser in an informal conference, the next level of administrative appeal is a formal Appraisal Review Board [ARB] hearing. Montgomery Central Appraisal District [MCAD] will have your formal hearing the same day. They immediately escort you down the hall and show you to the waiting area to present your case. Harris County Appraisal District [HCAD] will reschedule you to return to their office on another day to have a formal hearing. You will almost always wait two weeks.

The ARB hearing will be like a minor courtroom setting in which you make the presentation of your case. An experienced senior appraiser will represent the case on behalf of the appraisal district. A panel of at least three, supposedly impartial, appraisal review board members will hear the case and render a final decision. Important Warning: The ARB has the authority to actually RAISE your property value, so consider this risk. Also, do not forget to bring extra copies of all your evidence ( five altogether ) for the appraisal district and the ARB panel.

If your formal ARB hearing does not have a satisfactory outcome, you may still have two additional options available. For residential properties valued below $1-million, you can file an application for binding arbitration through the office of the Texas Comptroller of Public Accounts. There are fees of $250 or $500, depending on the level of involvement of your case. The other option is to file a law suit in district court against the appraisal district. As both of these procedures are time consuming and costly, you will need to decide if they are practical in your case.

Get Started – 10 Action Steps

1. Get a copy of your property tax record, or „appraisal card“. Texas appraisal districts will have this information online through their websites. If you cannot find it, call the appraisal district office for assistance.

2. Review the appraisal record for errors in your favor.

3. Find out if you are eligible for any special exemptions and apply for them. Examples are the Texas general homestead, over 65, disabled, or veterans exemptions.

4. File a „Notice of Protest“ before the statutory deadline. This is usually May 31st or within 30 days of sending your „Notice of Appraised Value“.

5. Study the appraisal district’s evidence, the HB 201 packet.

6. Try to get help from a real estate agent to identify the details about good comparable sales (… and remember who helped you whenever you have a real estate transaction that pays ).

7. Take photos of your home and the other properties you are using for comparison. If you do not have a good camera, borrow one; or ask a friend to help you.

8. Make detailed written notes about precisely what you think should be the right value and the reasons for the reduction. Prepare your presentation and be able to show the proof to support your claim. This needs to consist of factual evidence such as dated photos, documentation of recent sales, and neighbors‘ appraisal values.

9. Be kind and respectful to the other appraisal district staff and ARB members. Never forget they are also human and have feelings, like you. Remember the time tested expression, „You can catch more with honey than with vinegar.“

10. If you think it stands in your best interest, appeal your case to a formal ARB hearing. This may be a roll of the dice though. Depending on the make-up of the panel and their state of mind on the particular day of your hearing, your ordeal could be more favorable or it could become even worse.

If all this seems like a good deal of effort, there is yet another way to help ensure you get the best possible outcome. You can have a property tax consultant prepare and present your case, providing professional representation for you at appraisal district hearings. You can get the benefits of this service on a contingency basis, so it will cost you nothing unless you actually save money — that you would have paid in taxes.

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Source by Rodney S Powell

A Gun For Sale By Graham Greene

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On the face of it, A Gun For Sale by Graham Greene is a genre thriller, featuring a crime committed by a confessed and declared villain, followed by a police pursuit. In the hands of a great writer, however, even clichés such as this can be transformed into thoroughly satisfying novels.

First published in 1936, A Gun For Sale is set in a Europe over which war looms constantly and threateningly, casting a shadow of fear and even depression over all human interaction. Graham Greene appears to use this context to allow the book to make a significant, yet very subtle point, an assertion that conflicts, even grand conflicts like wars, are pursued by interests, instigated by an intention to profit. The grander the conflict, the greater the potential gain. As individuals vie for influence, prominence, control and dominance, so do societies, groups, companies, even countries. And some of the protagonists play dirty, rarely receiving the comeuppance of justice. When they do, we are gratified, sensing the same rightness that a happy ending might provoke.

A Gun For Sale has several important characters, more than a review can list. Raven is the first we meet, the blackness of his name immediately suggesting a functionality for the plot, for he is the anti-hero, the hired gun who completes the bloody assignment in the book’s first pages. Hare-lipped and ever resentful of his disfigurement, both physical and, as a result of a painful upbringing, psychological, he suggests a figure that the reader might be invited to despise, perhaps a pantomime bogeyman of genre fiction, always accompanied by a threatening, trademark fanfare.

But Graham Greene is not that mundane a writer. We eventually come to know Raven well. Though we are never actually invited to like him, we eventually sympathise with his plight, if only by virtue of the fact that there are some apparent social heroes who in reality are a darned sight more deserving of our contempt. Raven is double-crossed and sets out to track down the perpetrator of his humiliation.

Raven leaves a trail and a policeman, Mather, takes up the pursuit. By chance Mather’s girlfriend, Anne, boards the same train as Raven from London to Nottwich, an industrial town were she will appear in the chorus line of a pantomime. Raven and Anne meet and, viewed from the distance of the pursuer, become accomplices.

Mather’s fellow copper, Sanders, is an interesting foil to Raven. Both are disfigured. Raven’s problem is with appearance and he yearns to be rid of the hare-lip that disfigures his face, a disfigurement that Anne plays down, thus engendering his trust. The policeman Sanders, on the other hand, stammers. He is quick of wit, but not of voice, and is aware that his impediment has cost him promotion.

Mr Davis, also known as Cholmondley, amongst other things, is the greasy lackey employed by Sir Marcus. The latter is an industrialist, owner of a steelworks in Nottwich, a business that has seen better times. Mr Davis is a right cad, regarding theatre girls as fair game, regularly picking them up and persuading them into the grubby room he rents from a truly surreal couple in order to protect his reputation. The freemason Sir Marcus is barely clinging to life, but he retains sufficient pride, or malice, perhaps, to inflict untold suffering on others, merely to retain his own status in a future he does not have.

And so Raven pursues Cholmondley, who answers to Marcus. Mather and Saunders pursue Raven, and Anne seems to be on everyone’s side. And it all works out.

But Graham Greene does much more than tell a tale. Through simple language and structure, and via a plot that would grace a b-movie at best, he penetrates his characters‘ psyches, locates them in social class and history, and manages with a deft lightness of touch to convey a remarkably strong sense of place, setting and context. Through his simply constructed prose, we see people, places and events from a multiplicity of perspectives and are left with a complexity of associations with every character. And that, precisely, is why cliché is left far behind.

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Source by Philip Spires

Sales Training Tip – 10 Reasons Why Hard Sales Tactics Never Work

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Hard selling is when you go straight to the point and start to try to sell your product without any finesse. It is simply telling your prospective buyer that he should buy your product. Now this hard-core approach may work in some instances but the majority of your prospective buyers will be put off the sale by this approach. Here are 10 good reasons to change your sales tactics.

1. People hate being sold to: hard sell will bring out the worst in people. When aggressive sales techniques are used this will prompt the prospective buyer to be aggressive as well and act negatively to the sales person. Pretty soon they are ready to argue with you and you know the sale is completely lost.

2. Hard sell will intimidate your prospective buyer: This sales tactic will intimidate some buyers and again cause them to have less interest in the sale. Intimidation will again give your prospective buyer negative feelings towards the sale. They will not have a very good feeling about your company when they see the sort of sales people you hire. This is another factor that will cause you to lose the sales

3. Hard sell makes you sound desperate to sell and this will always put off your buyer. The buyer can sense when the sales person is desperate to sell a product to them. The buyer wonders why the seller is so desperate and is immediately suspicious. This suspicion will turn into mistrust of the truth in what the sales person is saying. The buyer will very likely not buy the product.

4. Hard sell in sales copy will often use hype and prospective buyers can see right through this. Prospective buyers are savvier than they were and will not put up with hype. They want the facts not some pie in the sky promise. If sales copy tries to push the sale with this type of tactic there will be no sale.

5. Prospects need a reason to buy: hard sell does not allow time to explain benefits and what the prospective buyer can expect from the product. Hard sell usually uses features rather than benefits. Benefits are the reason for a customer to buy. You must answer the quest on every prospective buyers mind „What’s in it for me?“

6. You need to build rapport with prospective buyers: building a relationship with your potential buyer is a very important part of selling. You will not only make a sale on the initial product you will build confidence in your buyer. When the buyer has confidence, they will very likely purchase another related product from your company. If you use hard sell you cannot build this all-important relationship. Ultimately you will lose not only the initial sale but also a valuable long-term customer.

7. Soft sell will allow the reader to make his own decision without being pushed into a sale. As mentioned people do not like to be sold to, they do not want to feel that someone is dictating to them and telling them that they have to buy something. Most people want to feel that they are making their own decisions and soft sell will do this for them.

8. Soft sell always outsells hard sell: it is a proven fact that soft sell always outsells hard sell. This is because people can be persuaded but do not like to be forced into a sale. Hard sell is literally pushing your product at your prospective customer and not giving them a chance to say no. Soft sell on the other hand is offering your prospective buyer a product and allowing them to make the decision to buy.

9. It is easier and more enjoyable to use soft sell tactics: soft sell will allow you to use more sales strategies. It is a more enjoyable way to sell because you can talk to the customer, demonstrate benefits and build up a good rapport with your prospective buyer. It is more enjoyable to talk with your buyer and get to know him rather than pushing a sale on him.

10. Soft sell is a powerful way of pre selling products and warming your customer for the sale. When you warm your prospective buyer for the sale, you will be far more successful in selling your product or service. People like to know more about products before they buy and pre selling will allow you to do this for them.

Hard sell rarely works because of the above reasons. Additionally there is a stereotype of the pushy sales person using hard sell tactics. When hard sell is used this image comes into the prospects mind and prevents them from accepting the sale. In this way you will lose many sales.

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Source by Sean McPheat

"Decorator Ready" Condominiums

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Buyers in the market for luxury high-rises maybe surprised to learn that they are usually sold as basic shells described as „decorator ready“. Typically the condos are nothing more than blank slates without flooring, cabinetry or appliances. Condo owners are allowed to completely customize the unit to their personal style. The buyer of a „decorator ready“ condo would be required to contract an interior designer or construction firm to complete the unit.

The term „decorator ready“ can actually refer to two types of units, white box and grey box. White box units typically have drywall and some moldings and doors. A grey box unit is „bare bones“ with no drywall or fixtures. Both require a licensed general contractor and some local permits.

With most „decorator ready“ units being sold pre-construction, the final build out will add at least another three months to the completion of the condo. Buyers would be advised to begin searching for a builder or interior designer immediately after purchasing the unit. A local builder or design firm is recommended, because they are more familiar with local ordinances, building codes, and labor policies.

Most buyers decide to use an experienced design firm to complete the build out of the condo. A good design firm should provide detailed conceptual drawings to explain the project’s objective and scope. Conceptual drawing should include both artist renderings and CAD drawings. No detail should be left out of the plans. The designer should coordinate every aspect of the project; from architecture and lighting to flooring and furniture.

The design firm typically will advise and work with the general contractor to complete structural and permitted work. The general contractor will hire sub contractors and supervise the installation of framing, plumbing, drywall, and electrical. A good general contractor will ensure that the project stays on time and meets the local building codes.

The finished product should be a unique space that reflects the tastes of the residents. With the help of talented designers and qualified contractors, the tower residence can be a Shangri-La in the sky. In order to achieve the ultimate in comfort and style, condo buyers should make certain they choose a reputable and experienced builder.

Sovereign Homes will work closely with interior designers and architects to ensure that the interior finishing of your home exceeds your expectations! We are fully cognizant of the nuances that pertain to work schedules and construction protocol in these new buildings, and can offer expedient, cost-efficient and professional service, with the same level of quality control that is provided in our custom-home program.

Immobilienmakler Heidelberg

Makler Heidelberg


Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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Source by Drew Macdonald

Bouncer Castle Cleanup Tips for Fastidious Owners

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

Inflatable articles make great playthings for children, both in forms of handy toys and jumper castles. However, a concern that arises with the bigger units is the clean-up and maintenance tasks that seem like a plateful of ordeal. Thus, washing up these gigantic structures remains a lick and a promise in the new-age feverish routine. However, it is not as difficult to remove the mould and scrub out the stains from the vinyl, provided the right cleaning kit is within the hand’s reach. The problem with the outdoor castles is that they start catching stains as soon as they are set up in the open.

If moulds are keeping your children from using the castle, then a prompt cleaning job with a mould spray is necessary. The janitorial stores are flooded with mould removal products that not only cleanse the fungal growth, but also deodorize and sanitize the units, making them perfectly clean for children. Spraying the cleaner on the infested spots will do the job in several minutes. It is recommended to use a pair of hand-gloves while using the solution as it contains bleaching agents. When the liquid has settled on the spot for several minutes, rinse it well to find a new-looking castle in your backyard again.

However, for general cleaning of muddy patches and dirty stains that appear after a period of use, you can use plain sugar soaps. Instead, you can prepare a home-made cleaning solution with tepid warm water and baking soda in three to one ratio. The solutions dissolve the layer of dirt that has obscured the brilliant artwork on the surface in a matter of minutes. But, stubborn stains like pace paints that can potentially spoil the aesthetics of your castle require a different treatment. If you are lucky to spot the patch wet, then a couple of wet wipes will do the job.

If the paints get dry until they are discovered, then you will need a stronger, anti-abrasive cleaner to counter them. Pour the solution in a small quantity on an anti-scratch cleaning pad and rub gently on the dirtied parts. The process can eradicate even the toughest stains settled on a PVC surface. For cleaning of dust particles and sands from the deep corners of the castles, use a vacuum cleaner with a suitable cleaning attachment. The castles require timely cleaning, which promises lesser labor for the parents and greater hygiene for the kids.

Immobilienmakler Heidelberg

Makler Heidelberg


Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
Schnell, zuverlässig und zum Höchstpreis


Source by Jems Hug

The 5 Disadvantages of Condominium Ownership

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

In the past condominiums were not necessarily considered to be a good investment for a variety of reasons, however that image has since changed dramatically. With the high price of single family homes, condominiums and townhouses are becoming more attractive to many buyers such as singles, retiring couples that are downsizing and small families that would like to purchase in excellent school districts. However, for those home buyers that have only considered a single family home as the definition of homeownership they may not be familiar with what options are available in the form of condominiums.

Condominiums are buildings in which individuals separately own the air space inside the interior walls, floors and ceilings of their unit, but they jointly own an interest in the common areas that they share such as the land, lobby, hallways, swimming pool, grounds and parking lot. While many condominiums are designed to look like apartments or are built in high rise city buildings, more and more builders are designing them where they can be referred to as townhouses. Townhouses are usually attached to one or more houses and can run the gamut from duplexes and triplexes to communities with hundreds of homes

In addition to paying a mortgage, each owner is responsible for paying a monthly fee to the condo association, usually referred to as the homeowner’s association which is made up of the unit owners. The fee covers maintenance, repairs, grounds keeping and building insurance.

In the past condominium ownership suffered with a negative image for a variety of reasons, however that image has since changed dramatically. Once the thorn in homeowner’s sides, condominium associations have worked hard in recent years to clean up their negative image where disputes and lawsuits were once rampant. Homeowner’s associations have become savvier and much more professional about property management and have taken steps to prevent legal problems and disputes before they happen. However, there are some disadvantages that still need to be considered before you buy.

1) Monthly Homeowner’s Association Fee

If there is a homeowner’s association, you will usually have to pay a monthly maintenance fee that is separate from your mortgage payment. Many condominium owners factor this expense as similar to the costs they would have incurred for someone to do the lawn care and other maintenance if they owned a single family home. However, you should watch for unnecessarily high monthly charges and ask to see a copy of the latest financial statement from the homeowner’s association.

2) Less Privacy

There is also less privacy than with a detached single-family home. Communal living is not always desirable for some people and the noise level generated by living in close proximity to others can influence some buyers to simply look elsewhere. Usually, the biggest concern is about parking for the owners and for their guests. However, many condominiums are being designed with their own garages and have common parking areas available for guests.

3) CCR’s Can be Very Restrictive

CCR’s or Covenants, Codes and Restrictions are defined as the bylaws that govern the use of the property. Most CCR’s are reasonable, but some can be very restrictive. There usually are limits on the type of exterior changes or improvements you will be able to make to the property. In addition, you may find, among other things, that they prohibit or restrict pets and the renting or subletting of units. Make sure that you get a copy of the CCRs and review them (they usually have a summary booklet) before you decide to make an offer.

4) High Tenant Ratio

Also, make sure you find out the owner-to-tenant ratio. Because many condominiums are often purchased as investments, there could be a high percentage of tenants in the building. Although this trend is also changing, especially in condominiums which are located in urban areas where they provide convenient shopping, access to transportation and other amenities thereby attracting owners who intend to live in their condos.

5) Resale Value

In some real estate markets, such as Las Vegas and Florida, builders have overbuilt condominiums and townhouses and they are being sold at a loss. However, in other real estate markets they have held their value as an investment despite economic downturns and problems with some homeowner’s associations.

While some of these factors would discourage some buyers from purchasing condominiums, it may be just the right investment for others because it suits their pocketbook and lifestyle. In spite of these disadvantages, the high price of single-family homes in some real estate markets such as California and the influx into the housing market of more single homebuyers have made condos relatively hot national investments. A professional realtor can assist and guide you in showing you which are the great deals in your local market and city.

Immobilienmakler Heidelberg

Makler Heidelberg


Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
Schnell, zuverlässig und zum Höchstpreis


Source by Nef Cortez

How To Be Successful Selling Timeshare and Vacation Owner – Get Your Share of the Big Bucks

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

Timeshare and vacation ownership. what are they about? What is it like to have a career in this industry? What does it take to make a six-figure income and to stay employed in the industry?

I am not writing these articles with the intention of hiring anyone since I’m not a sales recruiter. I do have an MBA in real estate development and management and my pet peeve in business is employee turnover. I just don’t like it. Turnover in the vacation ownership/timeshare industry is horrible.

My MBA side of my brain tells me that turnover is expensive and not exciting or positive for anyone involved. You’ve also probably heard that dissatisfied customers or employees can do more damage to the business in the long run than the happy customers and employees can do to improve your bottom line.

If something frustrates you or gets you mad, the best thing you can do, instead of anger management or psychotherapy, is to take action. So here I am.

Most salespeople hired to sell vacation ownership or timeshare need a real estate or timeshare sales license. If you have the time and the money, the more comprehensive full real estate license will allow you more career options and I highly recommend more education in any field if you want to be successful and stay in the industry.

What happens when a person gets a job selling timeshare or vacation ownership. At this time in the industry, potential guests or prospects are marketed and invited to a sales presentation. The majority of these guest invitations include an incentive or gift for the participant’s time. People love gifts, and incentives, and a good deal. We’re greedy, bargain hunters. The industry knows this and depends on us to fill the sales centers for presentations.

As a salesperson, the presentations you will make will often range from 90 minutes to 3 hours, depending on the company you work for. With timeshare or vacation ownership sales the unique factor is that the guest or participant you will try to sell has come to see your resort and product with intentions of getting a gift, getting out fast, and most have no intention of buying anything.

Selling people who have not come to buy anything and often who have an agreement not to buy no matter what you have, no matter how good it sounds, and no matter how affordable. This is such a different form of selling than working in a retail store where people have come in specifically to buy something and with intentions of taking it home with them.

The employee turnover in the timeshare and vacation ownership sales industry is huge. It’s horrible. Employers spend an amazing amount of money to find salespeople and salespeople get in the business and are shocked by the rejection and how hard it can be to sell people their vacations and they run away. A successful timeshare salesperson must be perceived by the guest as authentic and sincere. Companies should have more comprehensive sales training to help build the employees skills so they will be able to stay on the job.

I attended a financial seminar and they discussed the „Asset Value of Employees .“ My question is, “ If employees are your greatest asset, how much money and value are you adding to the bottom line of your competitors when they leave you and go to work for your competitors?“ If the companies finally calculate these numbers they will have to pay more attention to keeping their employees and not letting them fail and leave.

Immobilienmakler Heidelberg

Makler Heidelberg


Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
Wir verkaufen für Verkäufer zu 100% kostenfrei
Schnell, zuverlässig und zum Höchstpreis


Source by Lori Wilk