Top 10 Tips For Buying Cheap Textbooks Online

Short of money? (Dumb question, I know). Trying to figure out how are you going to afford all the textbooks for your next term? Are you creating new economic theories to balance your scarce budget?

Then you are probably not taking advantage of the very best, more efficient way to get your textbooks cheap, and I mean really cheap.

Search and buy online. That’s it. That’s the secret. And to make sure you get the best value out of it, I’m giving you below the Top 10 Tips for buying textbooks online.

1. Buy early. Don’t wait for the first day of classes to go and find the books you need. That’s the moment when demand increases and, inevitably, prices increase with it. Textbooks sell fast and furiously over that short period of time and the effort required to get the best offers then is far greater than the effort necessary just a couple of weeks before.

If your college or university doesn’t supply the textbook lists in advance, don’t despair, contact former students from the course you want to take, or even the professors themselves, and ask them for the books you should buy. That little extra effort will certainly be worth your while.

2. Buy used. Secondhand textbooks are cheaper. That’s an undeniable fact. It is not unusual to find savings in excess of $50 against list prices.

3. Consider older editions. Often times, books on classical physics, chemistry or biology remain virtually the same for years. If you are willing to use older editions you could find books for as little as $1. Not sure if the International Edition will cut it? Contact your course tutor and ask. Chances are he’ll even recommend an older book.

4. International Editions. An International Edition is a textbook that has been published outside the US and Canada and is meant to be purchased and used outside the US and Canada. International Editions are generally drastically cheaper than their American/Canadian counterparts. Here’s the catch, the publishers of International Editions generally do not authorize the sale and distribution of International Editions in the United States and Canada and such sale or distribution may violate copyrights and trademarks of the publishers of such works.

5. Use the ISBN number to boost the effectiveness of your searches. Every book published since 1970 has a unique ISBN, using it instead of the author and/or title will make your searches faster and 100% accurate.

6. Free shipping. Look for free shipping sellers when you are shopping around. Even though shipping within the US is generally under $4, or perhaps because of it, more and more sellers are keen to offer free shipping to potential customers in order to convert them into customers. This translates approximately as an additional 10% discount off a $40 book or 5% discount off an $80 one.

7. Shop around. I know you know that already, anyway, let me say it again, just in case you just landed on Earth from another planet 10 minutes ago. Compare prices from, at least, three different sellers before you make up your mind. If you want to compare online booksellers, you can go to Bookfinder.com. In order to compare thousands of booksellers around the world you can go to Abebooks.com the world’s largest marketplace for books.

8. Buy local. Check where the bookseller you are buying from is located before closing the deal. The nearer the better as shipping cost goes down, the planet is happier and greener and your community will certainly appreciate the extra business.

9. Sell back your old textbooks after you are finished with them. Chances are the same online bookseller that you bought your books from is willing to buy them back, just go to their site and look for their buyback program. Generally, shipping the books is free and payment is immediate upon reception. This one sells itself, doesn’t it?

10. Treat your textbooks well. Don’t use them as umbrellas or to kill that gigantic spider that appeared from nowhere inside the bathtub. Don’t write the name of your love interest all over it alongside little hearts and don’t use it as a canvas when you feel that artistic urge. Remember, you might want to sell them later and the better the condition of the book the more money you receive for it.

Follow these tips and I guarantee you will find more money in your pockets, more time in your hands and, of course, the satisfaction of having joined the 21st century, at last.

Buy online, you’ll never go back.

Immobilienmakler Heidelberg

Makler Heidelberg

Open House Tips for Realtors

1. Advertise! A study conducted by the National Association of Realtors revealed that 92% of buyers use the internet to house hunt. Make sure your open house dates are available through Zillow. With over 130 million visits per month, Zillow is a great place to start.

2. Invite neighbors to a appetizers or a wine and cheese party at your open house. It’s a great way to network and prospect. Socialize and have fun.

3. Everyone who visited your open house is a potential buyer so create an automated nurturing email marketing campaign to stay in touch. Make sure to also follow up within a few days so you can reconnect and help with their home buying search.

4. Be strategic with open house signage. Sandwich boards are great, but also mix it up with signage that is legible from a distance of at least 30 to 50 feet. Place directional signs to advertise in a five block radius ro reach a wider audience. Add helium filled balloons to attract attention.

5. Depersonalize the property. Remove family photos, diplomas, awards and anything else in the home before the open house. By removing personal items, the home doesn’t belong to any particular group of people and visitors can see themselves in the home.

6. Clean and organize closets and other storage spaces. Buyers will open closets, drawers and anything else with a handle. Instead of an avalanche of boxes when they open the storage closet, make sure closets are clean and organized.

7. Target local homebuyers with online advertising. You can even target potential buyers according to zip code through Google AdWords, Bing, Facebook and other online resources. With Facebook, you can add photos of the property and link to a landing page where more images of the home are available, plus a contact form to learn more.

8. Advertise by drone. Yes, drone advertising. Hoovy advertises open houses by attaching banners to drones and flying them in public places for real estate agents. Hoovy flies the drones at about 60 ft from the ground to be closer to the public.

9. Staging can help sell a home. Group your colors. Try to limit colors to just three per room. Keep larger items lower. If you have an even amount, take one away. Always keep quantities to an odd number as it is more visually appealing. Mix throw pillows and to create a spa appeal, add white towels to bathrooms.

10. First impressions are important. Simple updates to the entry can make a world of difference. Add a planter. If the door is worn, a good coat of paint can make a difference. A new welcome matt will make it more inviting. Sweep, clean cobwebs and remove anything worn.

11. In one study, 30% of people reported scented products as „irritating.“ Skip the air fresheners and candles. Instead, encourage your seller to shampoo carpets, open the windows and let in the fresh air, deodorize appliances and toss throw rugs in the wash.

12. Experiment with lighting before your open house. Try opening shades and curtains, turning on different sources of light.

13. Advertise in small local newspapers as not every buyer is internet savvy. Many retirees read local papers and you’ll get a lot of mileage for your investment.

14. Consider a themed open house. If the home is Mediterranean design, consider presenting tapas. If it is a Spanish style, nachos may be perfect. Give your potential buyers a unique experience to remember the home.

15. Have handouts with your contact info ready for buyers to take. Mortgage Loan Breakdown and a glossary are two great handouts. Neighborhood information like local schools, grocers, restaurants and the „walk score“ are great information. And attach your business card to every handout. Have a sign in sheet for visitors and capture their name, phone number, email and any other pertinent information. Follow up a few days later.

16. Email prospective buyers and invite them to your open house. Showcase the home in the email and include a professionally branded email signature. And offer to preshow the home. Why wait? Give prospects the ability to schedule time with you to tour the home early. Add an online scheduling link so buyers can set a time without fussing with the phone, call backs and waiting. After all, in this competitive market, the home could be pending by the time the open house arrives!

Immobilienmakler Heidelberg

Makler Heidelberg

German Shorthaired Pointer – Pros and Cons of Owning This Versatile Pet

Pluses and Minuses of Owning a German Shorthaired Pointer

The German Shorthaired Pointer is going to be a great pet as well as a good hunting buddy. It is an especially good hunting dog as they will retrieve both on land and in the water. This well balanced dog is perfect for someone who is looking for an outdoor companion as well as a family pet. Consider the information below when choosing whether or not one of these versatile dogs will be the right pet for you and your family.

Pros:

If you have a very active, happy family, the German Shorthair may be just the family pet you are looking for. This breed of dog is one that likes to be active and is going to have a high amount of energy on a daily basis. You will need to have room for your pet to run free and burn some of its energy every day. If you do not have this type of space, another breed will probably be more to your lifestyle. Without lots of exercise this pet will get bored which leads to destructiveness or escapism. They can clear a 6 foot fence so make sure they have plenty of room to run or if you can frequently take them where they can.

The GSP is an intelligent dog with exceptionally good temperament. This makes it an ideal choice as a pet that will get along well with children and other pets. They love being around people and are eager to please. If you want a dog that will learn tricks this one will fill the bill.

If you are looking for a great family pet that doubles as a good watch dog look no further than the German Shorthair. They adapt to their living conditions easily and with minimal training, will adapt to the needs that you have. While these dogs have too much energy to be good house dogs they will be somewhat happy to be inside if they are able to get plenty of exercise by running with you or with your bicycle. They are happiest when they can run when they want so try to have a large yard to put them in.

The grooming of the GSP is minimal as it sheds occasionally which keeps you from being too occupied with brushing of a long haired dog. The best thing for your dogs coat is to wash it every few months as well so there is no need for constant bathing. They like water so a dip occasionally will take care of most of the need for bathing.

Cons:

The trouble with owning a German Shorthair is that you are in need of constant exercise for your dog. If you are someone who lives on their own and who is at work the majority of the time, you will find that you have an unhappy dog who is not satisfied with being locked up in a home by itself all day long. If you are looking for a dog that enjoys being inside and is not too energetic look at getting another breed of dog.

If you don’t have a large yard you will doing this pet a great disservice as they like to be in almost constant motion. If you let them in the house be sure you have a fairly large one as these as fairly good sized. They like to play and often forget they are inside which can cause a lot of damage.

The GSP is not a pet that you can leave in the house by itself for any length of time as they get bored and can be quite destructive. If you do have to leave it indoors you should teach it to stay in a crate or better yet put it in the garage. If it likes to play with toys be sure they are put in with it along with plenty of water. Dog proof it as much as possible first though.

The German Shorthairs are ordinarily hardy dogs but some are prone to several problems such as epilepsy, and hip dysplasia along with a few other minor ones your vet can make you aware of and can be watched for.

If you are looking for an intelligent, active family pet that likes to hunt and roam the outdoors you won’t go wrong with a German Shorthaired Pointer. They are very high energy so make sure you can provide them outlets for this or they won’t be very happy.

Immobilienmakler Heidelberg

Makler Heidelberg

5 Golden Rules of Short Selling Stocks

Golden rules are really special rules that you should always keep in mind and do not forget. These are very important and useful guideposts to keep us on course and headed in the right direction.

When you define your goals, begin looking for the key rules that connect with it. Chart your course by these investment principles and let them steer you to achievement and success.

Here are 5 of the most useful Golden Rules that apply to short selling stocks.

Golden Rule # 1, Do not short stocks based on valuation alone.

The tried and tested reason for carrying it out like this is that momentum can rule the day for many months and even years. Especially in a speculative market, valuation can be ignored for long periods of time. Remember,“the market can stay irrational longer than you can stay solvent“.

Golden Rule # 2, Look for a catalyst.

It’s best to handle this carefully because stocks can levitate in the absence of bad news. Make sure you understand that you should have a catalyst as part of your short thesis. Is there fraud that will be revealed? Will the company likely miss revenue or earnings estimates in the coming quarter? You need some piece of bad news that will most likely drive the stock lower.

Golden Rule # 3, Study the short interest of your targeted stock.

You can find reasons you should do this carefully. It’s important because a crowded short can create extremely painful squeezes. For example, even some of the most successful hedge fund managers such as Steve Cohen and David Einhorn lost major money when Porsche stock rocketed in a matter of days.

Golden Rule # 4, Be Contrarian.

If you would like you could get this done by looking at investor sentiment, the put call ratio, or simply observing whether mainstream media is unanimously bullish about a stock. However, you should remember that you need more than fundamental analysis to have a successful short. You also need to anticipate when the bullish longs may start to fear their positions and rush to the exits.

Golden Rule # 5, Don’t short if you are an amateur investor

Ways to accomplish this step include using put options instead of outright shorting. Shorting stocks involves the potential for unlimited losses and only professionals should engage in shorting. You will need to accomplish this carefully. It is an entirely different skill set to be able to analyze the value of put options.

Have confidence and believe in these Rules to short selling stocks. They’ve been time-tested and have absolutely been proved to be true. Follow them carefully and then your ultimate success will likely be assured and your satisfaction greater.

Immobilienmakler Heidelberg

Makler Heidelberg

Huge Profits From Short Sales – Fantastic Pre-Foreclosure Tool For Savvy Investors

Louisville realtors, investors and debtors facing foreclosure ask me from time to time how short sales work. Consider this a primer.

I recently brokered the sale of a house for $85,000 to an investor. The house appraised for $120,000, giving the investor substantial immediate equity. The lender took a $60,000 loss. The owner/seller was forced to sell his house, for which he received not one red cent, and had to move into rental. How is it that all parties walked away from the closing table satisfied?!

In the beginning…

When a home owner owes his lender more than he has borrowed, he’s said to be „upside down on his mortgage“. This can come about in many ways, the principal amongst them occurring when he simply stops making mortgage payments, often because he is in serious financial difficulty. If his mortgage payment is $1,000 per month, and he stops paying, or pays intermittently, the fines, interest and principle can rack up pretty quickly. And if the owner can’t pay the mortgage, chances are he hasn’t been able to make necessary repairs to his home. This situation is almost invariably accompanied by despondency, which again leads to neglect of the house.

Stir into the mix bankruptcy, and perhaps divorce, and you’ll understand it’s not surprising to find the homes of these owner/debtors are often seriously degradated. That leaky roof is probably the last of the owner’s problems.

The „F“ word

Foreclosure. It’s not a happy prospect for the lender or the borrower. Lenders have different tolerances for late payments. However by the time the debtor is late for the fourth consecutive month the vast majority of lenders begin foreclosure proceedings. In Kentucky the foreclosure sale of the home by public auction takes generally anywhere from 6 months to a year from the time the foreclosure procedures began. It can take longer – I saw one artful debtor drag on the foreclosure proceedings for more that 20 months! Her mortgage payment was $1,300 a month. After 20 months that became a significant debt compounded by late fees, interest, legal costs, and the potential cost of selling the property at a public foreclosure sale. To say nothing of the continuing, moment by moment deterioration of the property. By the time she moved out the bank had written off in excess of $80,000.

The lender’s and borrower’s conflicting interests

Capitalism is a wonderfully contrived system. It hands not only the power-barons a potent array of weapons with which to fight, but also the poor and destitute. Though the battlefield is nowhere near even, double digit interest thrust too deeply down an indigent debtor’s throat may precipitate his „nuclear“ retaliatory option – Chapter 7 bankruptcy. And so these two, symbiotically entwined, are locked in an elegant dance, teetering between dividends and disaster, profit and poverty. One serious mis-step, and the band stops playing.

Thus, from years of bitter experience, lenders have learned that it’s often better (cheaper) to attempt to gain the cooperation of the owner and have him agree to voluntarily sell and vacate his home, rather than evict him under foreclosure. Lenders also understand that the chance of ever recovering the money owed to them by the debtor is slim. But many debtors choose not to sell because, around the time they realize they will never catch up on their payments, they often have another „Ah Ha!“ flash of insight: that if they stop paying their mortgage and just wait for the foreclosure axe to fall (or better yet, engage in a hatfull of tricks to keep that axe at bay) they can live „rent free“ for at least 6 months. So now the debtor turns from borrower to squatter, perceiving it to be in his best interest to prevent the foreclosure for as long as possible. And if the house, the lender’s „security“, should fall apart in the meantime, so be it.

The solution

The lender is in a position to offer the borrower a very important concession for his cooperation: to write off the entire debt if the borrower finds a buyer to buy the house at a price and terms acceptable to the lender, within the time stipulated by the lender. This is the essence of a short sale. Lenders set their own guidelines for what they will accept. They may say they need to get fair market price, but will in fact often be prepared to sell for much less. They do not want to chance selling this house at auction and risk receiving a very low price. Or worse yet, receive a bid so low that the property does not meet their reserve price, and they end up owning the property. In this case the property is administered by the lender’s REO (real estate owned) department, which will then list the property with a realtor. And the cycle begins again……

The Lender initially said The Willows house was worth $120,000, and wanted it sold at about that price. It got the $120,000 figure from someone it had hired to do a BPO. BPO is short for „Broker’s Price Opinion.“ It is similar to a CMA (Comparative Market Analysis) and serves the same purpose: to arrive at a fair market value for a property. Most are done as a „drive-by,“ meaning that the „driver“ (usually a realtor, maybe an appraiser) drives by the outside of the property, takes one to three photos and leaves. He then completes the lender’s BPO form on-line and e-mails it with the picture. Sometimes an „internal“ is requested, in which case the realtor goes into the property, takes about 3 internal and 3 external photos and sends these through to the lender with the completed BPO form.

When the debtor had realized he would not be able to save his house in The Willows, he contacted me to see if I could help. He did not want a foreclosure on his credit report, which would have prevented him from getting a conventional mortgage for three years. Even with a Chapter 7 bankruptcy, the wait period is only 2 years from dismissal. He also wanted to have his debt forgiven. I was able to accomplish both these goals, saving him about sixty thousand dollars.

The short sale process

As a Realtor, the first thing I did was explain to my client all his theoretical options, including deed in-lieu of foreclosure, loan renegotiation and others. He settled on short sale. I listed The Willows property, and had him sign an authorization for me to contact the lender to see if it would agree to a short sale. Remember, when I list the property, the owner/debtor is my client (not customer). This means I must always act in his best interest. The lender is not my client and I owe it no such duty. In a normal sale the seller and buyer have greatly divergent interests: the seller wants to sell at the highest possible price, and the buyer wants to buy at the lowest. In a short sale there is no such contest between the parties: the seller wants to sell at any price the lender will accept, and will generally agree to any price offered, contingent upon the lender’s acceptance. So in a short sale, the lender takes on the mantle of „seller“ vis-a-vi the buyer and these are really the parties who negotiate the contract. Now get your head around this one: as listing agent in a short sale I am often in the peculiar position of actively attempting to negotiate for the sale at the lowest possible price acceptable to the buyer! (But always with the caveat that this is in the seller’s best interest, and does not jeopardize the sale). This anomaly has many ramifications for the way I conduct and negotiate these transactions.

Price, Terms and Timing

Price: So how much will the lender lop off that price? I’ve generally found that as the day of auction approaches, lenders become more malleable. Pretty inefficient, because they loose a lot of time and money that way. I supplied the lender of The Willows property with objective material indicating that the drive-by BPO was inaccurate, given the condition of the house. The lender then had an internal BPO done. That was key to getting this particular deal done. I also sent off photos and comps of my own. In some cases I’ve sent the lenders well over 100 photos. Pictures speak louder than words, and it’s critical, when the property is damaged, that the lender understand the shape it’s in. Remember – the BPO realtor may be doing up to 50 BPOs a week – he could care less about this one deal. But as listing agent I need to keep the lender informed of all issues that coincide with my client’s best interests. The second Willows BPO came back at $100,000, and the lender initially tried to obtain that figure. Ultimately, with the foreclosure sale due to occur the next day, it reduced that amount to 80% of the $100,000 plus $5,000 to pay off non-mortgage related liens. At 4.50 pm the lender agreed to stop the foreclosure sale scheduled for 11.00 am next morning.

But hey, it ain’t over ‚til the fat lady sings! Because the loss on this loan was $60,000, and because the lender had authority to settle up to $30,000 only, we had to wait for final word from the mortgage insurance company, which we eventually obtained, but not without many hours additional work.

As you see, the price of The Willows property was determined by the lender looking at the bottom line – how much net it would receive. And in order to get this number, all lenders in short sales request a „fake HUD-1“ or a „net sheet“ submitted simultaneously with the offer. In a normal real estate transaction the HUD-1 is drawn up at the end of the transaction, after agreement is reached. – in a short sale the title search is performed immediately upon listing, even before there’s an offer, so that the figures can be applied to the net sheet as soon as needed.

Terms: The most common terms distinguishing these deals are that the lender often requires terms such as „sold as is“ and „proof of finance or funds required with offer“, and to protect the seller, the realtor should insert terminology indicating seller’s acceptance is subject to release from all liability for debt. None of this is carved in stone, and I’ve negotiated repairs and other concessions from lenders. Each case is unique. Paper will suffer any indignity – write the offer!

Timing: The REO, Foreclosure and Bankruptcy departments often appear to be understaffed and overwhelmed, so don’t expect instant responses. Some will take weeks to reply. Make sure the buyer and seller understand this. But once a deal is struck, the lender will often expect an unreasonably quick closing, and will attempt to penalize you with days interest for closing after a certain date. This all goes back to the net sheet calculations; because you have informed the lender how much it will receive by a certain date, it then attempts to hold the line at that date, even though they are generally very slow to respond. The Willows lender, after having not responded to multiple contacts, gave us just 2 days within which to close! Fortunately we well prepared, but it was very close.

Closing Note

The tax consequences of short sales fall outside the scope of this article. If you want info on how to handle competing offers, dual limited agency within this environment, or need a copy of the net sheet I use, you may contact me.

Update

Here’s a new twist. A couple of weeks ago I submitted a $235,000 offer to a lender on a short sale, (Seller owes about $275,000) which the lender ultimately accepted. However, in it’s acceptance letter, at the very bottom of the sheet, the lender stipulated that it retained its right of recourse against the seller/borrower (my client)! And this despite seemingly contrary language in the main body of the letter. I explained to the lender that the ONLY reason my client had agreed to the short sale (and not to jerk the lender around in the bankruptcy proceedings) was because he expected to obtain a complete release from all liability at closing. After a weeks or so of wrangling, attorneys etc, the lender „saw the light“ and agreed to the release.

CMA

Though the information provided is considered reliable, it is not complete, nor warranted accurate. Always consult your broker or an attorney.

Immobilienmakler Heidelberg

Makler Heidelberg

Can I Represent Myself Against Foreclosure Fraud? Yes, It Is Called Pro Se: "By Myself"

„DON’T FIGHT THE PROBLEM… DECIDE IT“

„George C. Marshall“

Nearly all Borrowers who have contacted me about an imminent, or already taken place, foreclosure believed that it was imperative that they find an attorney to represent them in a court foreclosure action. For three years I believed the same thing. Many judges will suggest it so strongly that a borrower believes that it is actually a law, which it is not. But, it does make sense that we believe it. We see it on TV, in the news, magazines, and, of course, most attorneys will tell that you need an attorney

But, the reality is that this so-called mortgage melt down is so big and is rife with illegal and criminal behaviour that defies what most people regard as normal, there are few, very few, attorneys that can win for a borrower.

Attorneys, for the most part, are not familiar with the subject of Mortgage Fraud. Certainly not as familiar as they will lead you to believe I have resented this fact for a very long time. As I said, most of my clients have been advised by a judge or an attorney that they absolutely must have an attorney. They are right, except for one thing. Shouldn’t that read „they absolutely must have a Good Attorney?“

You are not better off with an uninformed attorney representing you.

Can you afford an attorney at this time? What if you think you are unable to pay an attorney? Should that automatically mean that you have no choice but to leave your home?

Well, there is another way. You don’t have to hire an attorney to start the fight to save your home. In my opinion you cannot win with 99.9% of the attorneys in your state anyway. If that is not true, then why do we hear so much about mortgage fraud and so little about the victims of mortgage fraud winning their cases?

The reason you don’t know what to do, is because trials and courts are not your areas of expertise. But, you can be strong if you get the right kind of help. You can do a lot of what an attorney should do at the beginning of the threat of foreclosure. You can do it as Pro Se, which means „I am representing myself“ if you have the right help and accurate information.

You can learn how to use your constitutional civil rights to force the courts to treat you in a fair way.

I now believe that finally you actually have the advantage. But, like anything new you must learn the rules to play the game.

DON’T MOVE FROM YOUR HOME WITHOUT IT BEING A FAIR FIGHT! YOU CAN WIN.

Immobilienmakler Heidelberg

Makler Heidelberg

How To Get Top Dollar For Your Home – Fast

1. Time is money when selling your home

After you’ve made the decision to sell your home, the longer it remains unsold on the market, the more it costs you. Many home sellers feel it’s very important to receive close to their full asking price. But they overlook the additional months of carrying costs, such as mortgage interest, property taxes and maintenance. I’ve seen homes remain unsold on the market for years! Obviously, those home sellers are not highly motivated to sell. If they’ve already moved to their new home, maintaining a vacant, overpriced house can be very expensive, usually costing $1,000 or more each month the home remains unsold.

2. Get your home into near-model home condition

Most home buyers today want to purchase a home which is in basically good condition and does not need major fix-up work. This is called a „red ribbon deal“ home because it’s like a gift wrapped with red ribbon.

There are few buyers for fixer-upper houses–and they want bargain prices to compensate for the necessary work. The goal of home sellers who want to sell fast for top dollar must be to get the home into near-model home condition. However, spending major money is not required. Most homes just need basic, inexpensive work to get the residence into very good condition where all the buyer must do is turn the key in the door and move in.

3. The reason most homes don’t sell–they are overpriced!

Many home sellers want to set their asking prices above what their realty agent recommends. These sellers often hope an out-of-town buyer will overpay for their home. That rarely happens! There are several reasons, such as buyer’s agents who look out for their buyers, competitive listings which are realistically priced close to market value, and lender’s appraisals which reflect market value. Buyers quickly become experts on home values after they’ve inspected a dozen or more similar homes in the vicinity. They rarely overpay. Most homes have a „range of values.“ Many factors influence this range of values–such as local economic conditions, the home’s location, supply of similar homes in the same price range listed for sale, number of buyers currently in the marketplace, the physical condition of the home, the skill of your realty agent to properly market the home to as many prospective buyers as possible, the financing available, quality of the local school district (the best schools create home buyer demand), and the desirability of your home compared to other nearby homes now available for sale.

4. Be flexible–don’t get greedy

If you’re just testing the market and will sell your home only if you get your inflated asking price, then you’re not a serious motivated seller. However, if you are motivated to sell, the best attitude is to be flexible, don’t get greedy and don’t insist on receiving the last dollar of profit. Instead, consider all purchase offers which are presented. No matter how low and insulting the purchase offer might be, make a counteroffer! After several days or even weeks of counteroffer negotiation back and forth, home sales often result. But sellers who are inflexible and don’t make counteroffers have only themselves to blame when their home doesn’t sell because they are inflexible and greedy.

5. Get out of the house!

Finally, if you listed your home for sale with a professional realty agent, let that person (or a buyer’s agent) do their job. Whenever you know an agent is bringing a prospective buyer to inspect your home, even on short notice, get out of the house! There’s a very good reason you don’t want to meet the prospective buyer.

Experienced realty agents will tell you that until a buyer criticizes a residence, he or she is not a serious buyer. If the seller is hovering nearby, the prospect usually will not criticize your home. Instead, he or she will look at it and leave without making a commitment to that possible future residence. Also, the buyer’s agent won’t comment about the pros and cons of the house if the seller is within hearing range. Even if you just walk around the block 10 times while a buyer inspects your home, get out! Also, get your pets out–there is nothing worse than an offensive pet (or pet smell) to chill prospective home buyers from quickly buying your home for top dollar.

Immobilienmakler Heidelberg

Makler Heidelberg

The Importance of Stocks & Sauces

The great French Chef Master, Auguste Escoffier wrote:

„Indeed, stock is everything in cooking, at least in French cooking. Without it, nothing can be done. If one’s stock is good, what remains of the work is easy; if, on the other hand, it is bad or merely mediocre, it is quite hopeless to expect anything approaching a satisfactory result.“

Escoffier and other French chefs revolutionized early French cooking by inventing a lighter and reduced sauce, a variation of traditionally heavy cream sauces, known as stock.

Since the 16th century, stocks have been used in soup and sauce preparation. Stocks are the extraction of flavor from ingredients with a liquid base. The ingredients often include include bones, vegetables, herbs and spices simmered in water.

There are a few French stocks and sauces that are used traditionally. ‚Glaces‘ are stock that have been reduced, while a ‚demi-glace‘ is reduced even further to form a thick brown sauce. They are used for numerous dishes to intensify the flavor, texture and color. A ‚jus‘ is the natural liquid rendered from the drippings of a roast. An ‚au jus‘ is usually prepared using stock and meat trimmings. An ‚essence‘ is the vegetable equivalent of a meat stock added for a touch more flavor in the sauce.

Why are stocks so rich in flavor? Simmering ingredients allows extraction of flavor in addition to reduction in volume – it’s this reduction that concentrates the flavor of the stock even more.

As a result, stocks and sauces are key to delicious cooking – as well as for other reasons besides taste. As our economy is still recovering, we know families everywhere are working long hours. Cooking nutritious and satisfying meals can fall by the wayside in daily tasks, but keeping a full pantry of good stocks and sauces give you the option of preparing quick dinners on the fly.

Immobilienmakler Heidelberg

Makler Heidelberg

8 wichtige Möglichkeiten, wie Hausbesitzer von der Nutzung von Immobilienmaklern profitieren

Egal, ob Sie als Eigenheimbesitzer entschieden haben, sein Haus zu verkaufen und umzuziehen, oder als potentieller Käufer auf der Suche nach dem sogenannten Haus Ihrer Träume (dem amerikanischen Traum vom Eigenheim) sind, Sie haben die Sie haben die Wahl, ob Sie dies selbst tun oder die Dienste eines qualifizierten, erfahrenen und professionellen Immobilienmaklers in Anspruch nehmen und sich von ihm vertreten lassen. Einige glauben, dass sie auf eigene Faust ein besseres Angebot bekommen, weil es keine oder weniger Provisionen geben wird. Nach Angaben der National Association of Realtors (NAR) erzielen Hausbesitzer jedoch im Allgemeinen mehr, selbst wenn sie diese berücksichtigen, als diejenigen, die dies allein tun. Käufer profitieren auch, weil der richtige Agent über die lokalen Kenntnisse verfügt, um Ihnen eine relevante, professionell erstellte Wettbewerbsmarktanalyse (oder CMA) zur Verfügung zu stellen, damit Sie den Marktwert und die Konkurrenz besser einschätzen können. Vor diesem Hintergrund wird in diesem Artikel versucht, 8 wichtige Gründe kurz zu untersuchen, zu überprüfen, zu prüfen und zu diskutieren, warum Hausbesitzer von der Verwendung der richtigen Immobilienmakler für ihre spezifischen Bedürfnisse und Situation profitieren.

1. Ortskenntnisse: Obwohl sich Märkte und Zeiten ändern, erhalten Sie Ihre besten Angebote in den ersten Wochen nach der Markteinführung. Daher macht die richtige Preisgestaltung von Anfang an oft den entscheidenden Unterschied aus!

2. Marketing-Expertise: Der richtige Agent erstellt einen maßgeschneiderten, persönlichen Marketingplan, der auf Ihren spezifischen Wohnsitz und Ihr Eigentum, Ihren Standort usw. sowie auf Ihre Prioritäten, Bedürfnisse usw. Daher macht die Verwendung eines hochwertigen Immobilienprofis oft einen erheblichen Unterschied.

3. Agentennetzwerk: Diejenigen, die versuchen, ihr Haus auf eigene Faust zu verkaufen, stellen oft fest, dass sie nicht so viele potenzielle Käufer anziehen wie diejenigen, die einen Profi verwenden. Dies wird als Agentennetzwerk bezeichnet, das das wichtige Werkzeug zum Auflisten der Immobilie, im Multiple Listing Service usw. umfasst.

4. Halten Sie die Hand des Kunden: Der Verkaufsprozess eines Hauses ist oft ein stressiger Prozess, so dass die Verwendung eines Fachmanns, der ihn schon einmal durchgemacht hat und eine bessere Vorstellung davon hat, was ihn erwartet und erwartet, viele dieser Belastungen lindert. Suchen Sie sich jemanden, der geduldig bereit ist, Ihre Hand während des gesamten Prozesses zu halten.

5. Erläuterungen/ Erwartungen/ Änderungen: Anstatt zu vermuten oder zu raten, wäre es nicht hilfreich, klare Erklärungen zu haben? Viele Hausbesitzer haben überzogene oder falsche Erwartungen, und die Person, die Sie vertritt, muss die innere Stärke haben, ihre Überlegungen und Strategien vollständig zu erklären. Darüber hinaus sind Änderungen in Bezug auf Marketing, Strategien und Preise erforderlich, und jemand mit mehr Erfahrung und Fachwissen ist viel besser in der Lage, Sie richtig zu führen.

6. Bequemlichkeit: Möchten Sie im Haus bleiben, die Immobilie zeigen, oder wäre es nicht sinnvoll, jemanden zu engagieren, der dies professionell tut? Open – Houses, sind nur ein kleiner Baustein in der Gesamtstrategie!

7. Verhandlung: Professionelles Verhandeln in Ihrem Namen kommt dem Kunden zugute! Würde ein Profi in den meisten Fällen nicht einen besseren Job machen?

8. Von der Transaktionsphase bis zum Abschluss: Stellen Sie jemanden ein, der für Sie da ist, von den ersten Angebotsphasen, Vorführungen, Marketing, Service bis hin zur Transaktionsphase und dann bis zum Abschluss und Abschluss der Hausübergabe!

Dies sind nur 8 der Vorteile, wenn Sie die richtige Person einstellen, die Ihre Immobilienbedürfnisse vertritt. Konzentrieren Sie sich auf Ihre Bedürfnisse, interviewen Sie mehrere und wählen Sie den richtigen Agenten für Sie aus!

Immobilienmakler Heidelberg

Makler Heidelberg

Tipps, um den Umzug des Hauses so einfach wie möglich zu gestalten

Für jeden, der vor dem wahrscheinlich größten Kauf seines Lebens steht, ist es wahrscheinlich eine der wichtigsten Entscheidungen, die man treffen kann, die Leute zu finden, die den Deal bequem abwickeln. In Maine werden Immobilienmakler mit Sicherheit die richtige Immobilie finden, ebenso wie jeder, der mit Immobilien in Massachusetts zu tun hat.

Das erste, was jeder tun würde, wenn er sich für den Kauf eines Eigenheims entscheidet, ist wahrscheinlich, die Gegend auszuwählen, in die er umziehen möchte. Sobald dies erledigt ist, ist die Auswahl eines guten Maklers der nächste Schritt bei der Wohnungssuche. Diese Fachleute werden das Gebiet der Wahl auskundschaften und alle Objekte vorschlagen, die den Käufer interessieren könnten.

Lassen Sie diese Fachleute wissen, welche Preisklasse wahrscheinlich erfüllt wird, zusammen mit allen anderen Anforderungen der Familie. Wie viele Schlafzimmer, wie groß der Garten ist usw. spielen alle eine Rolle bei den Kosten des Hauses, aber ohne eine Ahnung zu haben, arbeitet der Profi sicherlich im Dunkeln.

Sind diese Entscheidungen getroffen und eine realistische Summe beiseite gelegt bzw. vereinbart, beginnt der Spaß mit dem Auskundschaften der verfügbaren Immobilien. Manche empfinden dies als eine ermüdende Anstrengung, aber wenn man bedenkt, wie viel in die Immobilie investiert wird, kann es eine gute Idee sein, dies wie ein Abenteuer zu behandeln. Beziehen Sie die Kinder mit ein, indem Sie Parks und Einrichtungen in der Umgebung recherchieren und ihnen helfen, herauszufinden, welche Schulen für sie am besten geeignet sind.

Natürlich müssen viele Menschen, die umziehen möchten, zuerst ihre bestehenden Immobilien verkaufen und dies kann manchmal der Hemmschuh im Fluss der Ereignisse sein. Wenn der Umzug die Familie komplett aus der gewohnten Umgebung herausholt, ist die Suche nach einem großartigen Fachmann der einzige Weg. Sie verfügen über lokale Kenntnisse des Zielgebiets und können Ratschläge zu den zu erwartenden Preisen geben.

Es kann sein, dass die Familie aus anderen Gründen als der Wahl natürlich umziehen muss. Eine Scheidung macht einen Wohnungswechsel unumgänglich, wenn das gemeinsame Eigentum verkauft werden muss, damit der Erlös aufgeteilt werden kann. Wenn dies geschieht, braucht die verbleibende Familie möglicherweise eine Form der Beratung, damit sie sich von dem vielleicht einzigen Zuhause trennen kann, das sie je gekannt hat, und auf neue Weiden ziehen. Einige Unternehmen bieten diesen Service an und erklären den Umziehenden, wie der gesamte Prozess abläuft. Dies ist wichtig, wenn es um Kinder geht oder für Ehepartner, die noch nie alleine da draußen waren.

Natürlich ist ein Umzug für alle, auch für das Haustier der Familie, extrem belastend! Daher ist es in der Tat ein großartiger und wunderbarer Service, großartige Fachleute zu haben, die die Familie Schritt für Schritt durch den Prozess führen. Hoffentlich freut sich die Familie am Ende des Prozesses auf den Umzug und wird sich schnell in der neuen Umgebung einleben. Mit Hilfe der Profis soll dieser Übergang so einfach wie möglich gestaltet werden.

Immobilienmakler Heidelberg

Makler Heidelberg

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