Purchasing Real Estate with Zero Down
by John Turk
You can buy real estate with minimal funds or zero money down! The key is learning how to leverage your resources to control a lot of properties. In this article, I am going to explain how you can make money simply by applying a few techniques I've used over the years. Interested?
One of the techniques I like to use is "Subject to Financing" aka "Owner Financing". With this technique, you purchase the property from the seller by simply taking over their existing mortgage. The mortgage stays in the seller's name and without obtaining financing you own the home. Not a bad deal from my view point.
State to state the rules to "Owner Financing" differ. In fact, several states are attempting to pass legislation to ban this practice. So it would be wise to consult with a local attorney to verify if the laws have been passed that prohibit you from this practice. Regardless, this is still the best method of easily financing a purchase.
What about the "due-on-sale' clause that most mortgages contain today?
Although it is true that the lender does have the right to call the loan due, but not the obligation to do so; it makes absolutely no sense in today's poor economical times. It makes more sense for a bank to settle for receiving the monthly mortgage on time rather than force it into foreclosure.
Why would the seller agree to place their credit at risk? A motivated seller is desperate to eliminate the responsibility for payments. You are offering them the opportunity to remove the burden of trying to make the payments when it is impossible; thereby removing them of the pain and stress they've had to endure. Even though the seller remains financially responsible, your financial contribution actually improves their credit. You are making payments that they just could not afford.
By far "Subject to Financing" is the best offer if your state does not prohibit it. This option should be the first one considered. It is a situation where all parties win. The bank benefits by receiving timely payments. The seller benefits from debt relief. And best of all, you benefit by leveraging a small amount of money to finance your real estate transactions.
Over the years, I've encountered several couples that were desperate to sell. Had their state permitted the "Subject To Financing" option, I may have been able to help. There is a down side though to buying property that is still financed by a bank. Like the seller/owner, you are sitting on property hoping to sell it. With this economy, it is impossible to move property fast enough for it to be beneficial to me. I would in fact become just as much a nervous mess as the seller I got the home from. The best option in my professional opinion is using "Owner Financing". It is more profitable for the real estate investor, and isn't that what this is truly about.
วันอังคารที่ 28 ตุลาคม พ.ศ. 2551
Recession Proof Real Estate Investing Tatics for Success in Today's Market
Recession Proof Real Estate Investing Tatics for Success in Today's Market
by Derick Sutton
By Derick Sutton While most people are suffering from the affects of the current real estate market there are many more that are enjoying the opportunities that the market has brought about. Derick Sutton of Blue Marble Property Solutions has released his powerful new advanced training series entitled 'Dive into Real Estate'. Through the course, students are given the opportunity to learn from the masters and to get the edge needed to become successful real estate investors. The renowned experts will detail the secrets of their success, allowing others to formulate their own unique real estate investment strategies needed to succeed in all cycles of the real estate market. The course is a completely virtual training series, which is delivered over eight weeks between October 22 and December 17 (replays are available on the site). As real estate investment has become a fine art in the current economical climate, the presenters of the course have been selected for the expertise they can provide, ensuring students maximum success in implementing the lessons they will learn.
For this advanced training series, students will be shown the key methods and techniques used to master success by multi-million dollar trainers including:
1. Dustin Mathews (Author of 'How to Get Rich Working For Free') 2. Lou Castillo (who has created proven systems for creating massive real estate wealth) 3. Arcadio Diaz Jr (Probate Real Estate Guru) 4. Dan Stojadinovic (Real Estate Technology Consultant) 5. Drew Miles (Attorney & Real Estate Investor) 6. Larry Harbolt (Real Estate Teacher & Investor) 7. Chris Krimitsos (Real Estate Teacher & Investor) 8. Josh Brown (Co-founder Investor Riches Inc.)
The 'Dive into Real Estate' training series provides budding and astute real estate investors alike the opportunity to learn from real estate investing masters who have proven to be the best of the best. The 'Dive into Real Estate' course has been designed and implemented to ensure that people are able to achieve financial security by investing in real estate regardless of the state of the economy. The instructors for this series give everyday people the chance to take charge of their investment income and to see the opportunities which the real estate market offers regardless of the economic conditions.
The 'Dive into Real Estate' training series is focused on providing the knowledge and skills to formulate a successful real estate investment strategy. The host and presenters of 'Dive into Real Estate' know that learning about successful real estate investing is not just about reading books; it's about listening to how and why the leading authorities have succeeded. 'Dive into Real Estate' is the advanced real estate training series which will not only show the techniques necessary to succeed as a real estate investor, but it will also detail how and when to adopt these techniques. This training series is sure to reveal the insider tips and techniques that have given others the real estate edge. 'Dive into Real Estate' is more than just a training series. It is real life learning which will provide the tools to develop the systematic approach necessary to discover and create real estate wealth.
Derick Sutton of Blue Marble Property Solutions LLC has released his powerful new advanced training series entitled 'Dive into Real Estate' visit: http://www.DiveIntoRealEstate.com .
Through the course, students are given the opportunity to learn from the masters and to get the edge needed to become successful real estate investors in today's market with Recession Proof Tactics you will only fine here.
The renowned experts will detail the secrets of their success, allowing others to formulate their own unique real estate investment strategies needed to succeed in all cycles of the real estate market.
by Derick Sutton
By Derick Sutton While most people are suffering from the affects of the current real estate market there are many more that are enjoying the opportunities that the market has brought about. Derick Sutton of Blue Marble Property Solutions has released his powerful new advanced training series entitled 'Dive into Real Estate'. Through the course, students are given the opportunity to learn from the masters and to get the edge needed to become successful real estate investors. The renowned experts will detail the secrets of their success, allowing others to formulate their own unique real estate investment strategies needed to succeed in all cycles of the real estate market. The course is a completely virtual training series, which is delivered over eight weeks between October 22 and December 17 (replays are available on the site). As real estate investment has become a fine art in the current economical climate, the presenters of the course have been selected for the expertise they can provide, ensuring students maximum success in implementing the lessons they will learn.
For this advanced training series, students will be shown the key methods and techniques used to master success by multi-million dollar trainers including:
1. Dustin Mathews (Author of 'How to Get Rich Working For Free') 2. Lou Castillo (who has created proven systems for creating massive real estate wealth) 3. Arcadio Diaz Jr (Probate Real Estate Guru) 4. Dan Stojadinovic (Real Estate Technology Consultant) 5. Drew Miles (Attorney & Real Estate Investor) 6. Larry Harbolt (Real Estate Teacher & Investor) 7. Chris Krimitsos (Real Estate Teacher & Investor) 8. Josh Brown (Co-founder Investor Riches Inc.)
The 'Dive into Real Estate' training series provides budding and astute real estate investors alike the opportunity to learn from real estate investing masters who have proven to be the best of the best. The 'Dive into Real Estate' course has been designed and implemented to ensure that people are able to achieve financial security by investing in real estate regardless of the state of the economy. The instructors for this series give everyday people the chance to take charge of their investment income and to see the opportunities which the real estate market offers regardless of the economic conditions.
The 'Dive into Real Estate' training series is focused on providing the knowledge and skills to formulate a successful real estate investment strategy. The host and presenters of 'Dive into Real Estate' know that learning about successful real estate investing is not just about reading books; it's about listening to how and why the leading authorities have succeeded. 'Dive into Real Estate' is the advanced real estate training series which will not only show the techniques necessary to succeed as a real estate investor, but it will also detail how and when to adopt these techniques. This training series is sure to reveal the insider tips and techniques that have given others the real estate edge. 'Dive into Real Estate' is more than just a training series. It is real life learning which will provide the tools to develop the systematic approach necessary to discover and create real estate wealth.
Derick Sutton of Blue Marble Property Solutions LLC has released his powerful new advanced training series entitled 'Dive into Real Estate' visit: http://www.DiveIntoRealEstate.com .
Through the course, students are given the opportunity to learn from the masters and to get the edge needed to become successful real estate investors in today's market with Recession Proof Tactics you will only fine here.
The renowned experts will detail the secrets of their success, allowing others to formulate their own unique real estate investment strategies needed to succeed in all cycles of the real estate market.
Dubai Property is what we sell
Dubai Property is what we sell
by Craig Hart
Dubai Property is what we sell. City Link is a booth real estate company established in Dubai, in the United Arab Emirates. Organized locally, the owners and shareholders of Dubai Property are market veterans having been in the business over the Middle East and International for more than 30 years.
We are focused in providing investment Dubai properties to buyers outside of the Middle East as well as locally.
Through our affiliates and as a tractable to market demand, City Link has already established a presence in the United Kingdom, Australia, India and China as well as Europe.
Our all-out approach to due vigor is well known in the market.
We are also a one-stop market for Dubai real estate partners who are looking for an agency that can offer a complete suite of services from research to executing strategic marketing and sales.
- Market veterans ( 30 years in the real estate market )
- Dubai-based boutique agency with territorial & International focus
- A one-stop approach to business and services
- Sales & Marketing Consultancy
- Partnership Programme
- Real Estate Financing Funds
- Financial Advisory
- Feasibility Studies
- Commercial and distribute experience
- Product launch specialists
- Global Investment base
- Property Valuations
by Craig Hart
Dubai Property is what we sell. City Link is a booth real estate company established in Dubai, in the United Arab Emirates. Organized locally, the owners and shareholders of Dubai Property are market veterans having been in the business over the Middle East and International for more than 30 years.
We are focused in providing investment Dubai properties to buyers outside of the Middle East as well as locally.
Through our affiliates and as a tractable to market demand, City Link has already established a presence in the United Kingdom, Australia, India and China as well as Europe.
Our all-out approach to due vigor is well known in the market.
We are also a one-stop market for Dubai real estate partners who are looking for an agency that can offer a complete suite of services from research to executing strategic marketing and sales.
- Market veterans ( 30 years in the real estate market )
- Dubai-based boutique agency with territorial & International focus
- A one-stop approach to business and services
- Sales & Marketing Consultancy
- Partnership Programme
- Real Estate Financing Funds
- Financial Advisory
- Feasibility Studies
- Commercial and distribute experience
- Product launch specialists
- Global Investment base
- Property Valuations
Two Basic IRA Rollover Rules
Two Basic IRA Rollover Rules
by Robert Ruby
IRA rollover rules are pretty easy to understand if you read the information the IRS puts out to help you know all the ins and outs. But since an IRA custodian does the IRA rollovers for you, and fills out all the paperwork, you don't have to worry too much about the rules. Even so you may want to have a general idea of what the IRA will allow so you can plan ahead.
There are exceptions to many IRA rollover rules, and I will not go into those more complicated IRA rollovers, but I will explain two of the most common rules for you to have in your memory bank should you need to do a rollover in the near future.
One of the basics of the IRA rollover rules is the time limit for making the rollover. Typically a rollover is from one account to another, which is done simultaneously, but you can take up to 60 days to do the rollover.
For example, if your IRA was in the stock market and you sold your stock on July 8, 2008 and you wanted to invest the proceeds into real estate but you haven't found the right property yet, you have 60 days or until Sept 6, 2008, to find the right property for your IRA rollovers in order to avoid paying taxes on the amount of stock you sold.
Another one of the rules is you generally have to wait at least one year between rollovers from the same IRA account. An example would be, if you have two IRA accounts, IRA-1 and IRA-2 and you want to do an IRA rollover from IRA-1 to a new IRA-3 on July 8, 2008, you would not be allowed to another rollover from IRA-1 or IRA-2 until July 8, 2009, one year later. However, the rollover between IRA-1 and IRA-3 does not prevent you from making a rollover from your IRA-2 account into an IRA-4 account during the period between July 8, 2008 and July 8, 2009.
There are many reasons why you may want to roll your IRA funds into another type of account. With the ups and downs of the stock market, you my want to put your IRA money into a self directed IRA where you can invest your money in real estate.
Another reason may be the company's stock you are in are performing poorly and you want to move the funds into another company's funds. Whatever the reason keep track of the dates you do your rollovers, so you will be sure to fall within the IRS guidelines for the above two scenarios. For other IRA rollovers check with your IRA custodian to find out specific IRA rollover rules that may apply to your situation.
by Robert Ruby
IRA rollover rules are pretty easy to understand if you read the information the IRS puts out to help you know all the ins and outs. But since an IRA custodian does the IRA rollovers for you, and fills out all the paperwork, you don't have to worry too much about the rules. Even so you may want to have a general idea of what the IRA will allow so you can plan ahead.
There are exceptions to many IRA rollover rules, and I will not go into those more complicated IRA rollovers, but I will explain two of the most common rules for you to have in your memory bank should you need to do a rollover in the near future.
One of the basics of the IRA rollover rules is the time limit for making the rollover. Typically a rollover is from one account to another, which is done simultaneously, but you can take up to 60 days to do the rollover.
For example, if your IRA was in the stock market and you sold your stock on July 8, 2008 and you wanted to invest the proceeds into real estate but you haven't found the right property yet, you have 60 days or until Sept 6, 2008, to find the right property for your IRA rollovers in order to avoid paying taxes on the amount of stock you sold.
Another one of the rules is you generally have to wait at least one year between rollovers from the same IRA account. An example would be, if you have two IRA accounts, IRA-1 and IRA-2 and you want to do an IRA rollover from IRA-1 to a new IRA-3 on July 8, 2008, you would not be allowed to another rollover from IRA-1 or IRA-2 until July 8, 2009, one year later. However, the rollover between IRA-1 and IRA-3 does not prevent you from making a rollover from your IRA-2 account into an IRA-4 account during the period between July 8, 2008 and July 8, 2009.
There are many reasons why you may want to roll your IRA funds into another type of account. With the ups and downs of the stock market, you my want to put your IRA money into a self directed IRA where you can invest your money in real estate.
Another reason may be the company's stock you are in are performing poorly and you want to move the funds into another company's funds. Whatever the reason keep track of the dates you do your rollovers, so you will be sure to fall within the IRS guidelines for the above two scenarios. For other IRA rollovers check with your IRA custodian to find out specific IRA rollover rules that may apply to your situation.
วันพฤหัสบดีที่ 23 ตุลาคม พ.ศ. 2551
Start Being Independent: Buying Home At Miami Real Estate Market
Start Being Independent: Buying Home At Miami Real Estate Market
by Eliza Maledevic Ayson
There is no place like home, indeed this is the phrase that will surely be said if you have a comfortable place to live in. as we are used to the place that we always be. You can be comfortable in any place but nothings really comfort you most having your own home.
It is a good feeling having an owned home, the problem that you might get living with your relatives and parents is really somehow put some stress in your life. So it is better to have owned home, so you can have comfort in your life and have a peaceful place to live in. Miami real estate market is a great place getting new home. There are lots of houses that are for sale and it can give the features that you want in a home.
Basically if you are planning to have your own home, you should consider the features that you want in a home. If you just need a place to live in by yourself, you can consider homes that are enough for a single person but must not look too crowded.
Prepare your pocket if you have decided to look for one, you need to set into your mind on how much you will spend to get a home. If you are thinking of an apartment that can never be yours, it is practical to have an owned home that you pay every month and in time it can be yours.
This is a great way of starting to be independent and planning for your future, so you better be careful in choosing a home to live in. consider the place of the home, choose the one that is accessible to a lot of important establishment like, grocery store, hospital, fire department and many more.
A single bed or two would be enough for you, two beds is ok if you are planning to have your own family sooner. It is also a great investment just in case in time you want to sell the property. Look around the market of all the homes that are for sale. Make an evaluation on each home, consider the facilities and make sure that all facilities are all in good working condition.
Also consider a place that is not too far away from your relatives and friends, so just in case that you feel bored, you may want to take a walk going to your friend's place and have fun. Or you can also invite your friends to stay have a small party at your home in Miami real estate market. And if you are really having hard time choosing which home to buy, ask experts and surely you will have the home that will suit you best.
by Eliza Maledevic Ayson
There is no place like home, indeed this is the phrase that will surely be said if you have a comfortable place to live in. as we are used to the place that we always be. You can be comfortable in any place but nothings really comfort you most having your own home.
It is a good feeling having an owned home, the problem that you might get living with your relatives and parents is really somehow put some stress in your life. So it is better to have owned home, so you can have comfort in your life and have a peaceful place to live in. Miami real estate market is a great place getting new home. There are lots of houses that are for sale and it can give the features that you want in a home.
Basically if you are planning to have your own home, you should consider the features that you want in a home. If you just need a place to live in by yourself, you can consider homes that are enough for a single person but must not look too crowded.
Prepare your pocket if you have decided to look for one, you need to set into your mind on how much you will spend to get a home. If you are thinking of an apartment that can never be yours, it is practical to have an owned home that you pay every month and in time it can be yours.
This is a great way of starting to be independent and planning for your future, so you better be careful in choosing a home to live in. consider the place of the home, choose the one that is accessible to a lot of important establishment like, grocery store, hospital, fire department and many more.
A single bed or two would be enough for you, two beds is ok if you are planning to have your own family sooner. It is also a great investment just in case in time you want to sell the property. Look around the market of all the homes that are for sale. Make an evaluation on each home, consider the facilities and make sure that all facilities are all in good working condition.
Also consider a place that is not too far away from your relatives and friends, so just in case that you feel bored, you may want to take a walk going to your friend's place and have fun. Or you can also invite your friends to stay have a small party at your home in Miami real estate market. And if you are really having hard time choosing which home to buy, ask experts and surely you will have the home that will suit you best.
IRA Real Estate Buying
IRA Real Estate Buying
Purchasing real estate with your IRA can be difficult, especially if you do not have the right custodian. Many traditional custodians prohibit real estate transactions all together because they are more difficult than simple securities investments. Those that do allow them often charge fees for everything which can greatly increase your overall costs for the deal.
With a self-directed IRA, you can make most any kind of legal investment you want, real estate included. The other major benefit of a self-directed IRA is that you can minimize fees associated with real estate deals. If you have checkbook control of your IRA (likely through an LLC), you are free to write checks to cover any costs associated with your IRA's assets without generating penalties or fees.
Additionally, you can also enter into partnerships with others who wish to combine their IRAs with yours to make purchases larger than any one partner could afford. Such a deal is considerably more complicated and you will want to make certain that everything is setup properly and that all applicable laws are followed--but it is legal. Your most important asset in such a case will be the advice and guidance of your IRA advisor.
Selecting an IRA Advisor
Your IRA advisor and your IRA custodian don't have to be the same person (or company). Your advisor can help you set up your self-directed IRA and can help make sure you stay in compliance with the law while another company entirely custodies your IRA. Opening a self-directed IRA is usually better for people with some investment experience and some familiarity with the tax laws because your advisor may not be at your disposal.
Written By Scott Janko, The National Association of Financial and Estate Planning (NAFEP)
Click here for more details on the Self Directed IRA
Purchasing real estate with your IRA can be difficult, especially if you do not have the right custodian. Many traditional custodians prohibit real estate transactions all together because they are more difficult than simple securities investments. Those that do allow them often charge fees for everything which can greatly increase your overall costs for the deal.
With a self-directed IRA, you can make most any kind of legal investment you want, real estate included. The other major benefit of a self-directed IRA is that you can minimize fees associated with real estate deals. If you have checkbook control of your IRA (likely through an LLC), you are free to write checks to cover any costs associated with your IRA's assets without generating penalties or fees.
Additionally, you can also enter into partnerships with others who wish to combine their IRAs with yours to make purchases larger than any one partner could afford. Such a deal is considerably more complicated and you will want to make certain that everything is setup properly and that all applicable laws are followed--but it is legal. Your most important asset in such a case will be the advice and guidance of your IRA advisor.
Selecting an IRA Advisor
Your IRA advisor and your IRA custodian don't have to be the same person (or company). Your advisor can help you set up your self-directed IRA and can help make sure you stay in compliance with the law while another company entirely custodies your IRA. Opening a self-directed IRA is usually better for people with some investment experience and some familiarity with the tax laws because your advisor may not be at your disposal.
Written By Scott Janko, The National Association of Financial and Estate Planning (NAFEP)
Click here for more details on the Self Directed IRA
Roth IRA Investing: Helping You Laugh at Money Worries by Nicanor Castillo
Roth IRA Investing: Helping You Laugh at Money Worries
by Nicanor Castillo
Let's face it. The financial situation that our country currently finds itself in is no laughing matter. But are you aware that long before the government set out to try to put smiles back on Wall Street, it set up a great way to help YOU laugh at money worries with Roth IRA investing?
It's true. The programs established by the government for investing IRA money are truly financial bonanzas for those persons wanting to safely and effectively build wealth for the future. And with the generous tax savings options that come with these programs a person can truly laugh all the way to the bank.
Roth IRA investing is no different that traditional IRA investing. But I'll get to that in a moment. However, the main difference between the two savings plans are the tax savings options. If you choose to open a traditional IRA, your tax benefit is taken in the year you open the savings plan. You are allowed to deduct up to $5000*, the maximum contribution for 2008**, from your taxable income. Every subsequent year that you contribute to the IRA, you are allowed to take it as a deduction. Any earnings you make from your investments remain tax deferred until you withdraw them, along with your contributions, at retirement. At that time, applicable taxes will be owed. In contrast, opening and maintaining a Roth IRA involves the use of money that has already been taxed. As with a traditional IRA, the $5000 maximum contribution cap still applies, but in this case, the earnings you make investing IRA funds remain tax free. When you withdraw your money (contributions AND earnings) at retirement, NO taxes will be due.
So what about Roth IRA investing? If you're thinking that investing IRA funds in the unstable stock market is your only option, then think again. Most people that open IRAs don't realize the vast choice of investment opportunities available to them, including mortgages, franchises, tax liens, partnerships, and private equity, to name a few. Many people think they are not smart enough to make investing decisions. There are others who don't want to be bothered with the paperwork. Financial institutions play upon these uncertainties because they make their money from charging management fees and earning profits from selling in-house investments.
There is nothing wrong with allowing a financial institution to manage your investments. Many people are happy with an annual 8% return. But when there is an opportunity to save those fees and earn those profits yourself by managing your own IRA, why wouldn't you?
The truth of the matter is that self directed Roth IRA investing gives you the opportunity to hold a vast array of assets, including real estate, that can easily double or triple your initial investment. And remember, Roth IRA investing profits are tax free.
If you're still unsure about investing IRA money yourself, you'll be happy to know that there are companies that specialize in setting up self managed IRAs. Not only do they follow your investing instructions, but they take care of the hassle of the paperwork. This includes generating the required reports, and making sure your IRA is in compliance. In my opinion, this truly is the best of both worlds.
Make no mistake about it. Roth IRA investing is one of the easiest ways to save and earn money while getting a great tax break. If you are one of the smart people investing IRA money then it won't be long before you, too, are laughing at money worries.
by Nicanor Castillo
Let's face it. The financial situation that our country currently finds itself in is no laughing matter. But are you aware that long before the government set out to try to put smiles back on Wall Street, it set up a great way to help YOU laugh at money worries with Roth IRA investing?
It's true. The programs established by the government for investing IRA money are truly financial bonanzas for those persons wanting to safely and effectively build wealth for the future. And with the generous tax savings options that come with these programs a person can truly laugh all the way to the bank.
Roth IRA investing is no different that traditional IRA investing. But I'll get to that in a moment. However, the main difference between the two savings plans are the tax savings options. If you choose to open a traditional IRA, your tax benefit is taken in the year you open the savings plan. You are allowed to deduct up to $5000*, the maximum contribution for 2008**, from your taxable income. Every subsequent year that you contribute to the IRA, you are allowed to take it as a deduction. Any earnings you make from your investments remain tax deferred until you withdraw them, along with your contributions, at retirement. At that time, applicable taxes will be owed. In contrast, opening and maintaining a Roth IRA involves the use of money that has already been taxed. As with a traditional IRA, the $5000 maximum contribution cap still applies, but in this case, the earnings you make investing IRA funds remain tax free. When you withdraw your money (contributions AND earnings) at retirement, NO taxes will be due.
So what about Roth IRA investing? If you're thinking that investing IRA funds in the unstable stock market is your only option, then think again. Most people that open IRAs don't realize the vast choice of investment opportunities available to them, including mortgages, franchises, tax liens, partnerships, and private equity, to name a few. Many people think they are not smart enough to make investing decisions. There are others who don't want to be bothered with the paperwork. Financial institutions play upon these uncertainties because they make their money from charging management fees and earning profits from selling in-house investments.
There is nothing wrong with allowing a financial institution to manage your investments. Many people are happy with an annual 8% return. But when there is an opportunity to save those fees and earn those profits yourself by managing your own IRA, why wouldn't you?
The truth of the matter is that self directed Roth IRA investing gives you the opportunity to hold a vast array of assets, including real estate, that can easily double or triple your initial investment. And remember, Roth IRA investing profits are tax free.
If you're still unsure about investing IRA money yourself, you'll be happy to know that there are companies that specialize in setting up self managed IRAs. Not only do they follow your investing instructions, but they take care of the hassle of the paperwork. This includes generating the required reports, and making sure your IRA is in compliance. In my opinion, this truly is the best of both worlds.
Make no mistake about it. Roth IRA investing is one of the easiest ways to save and earn money while getting a great tax break. If you are one of the smart people investing IRA money then it won't be long before you, too, are laughing at money worries.
วันเสาร์ที่ 18 ตุลาคม พ.ศ. 2551
Best Mortgage Rate - Getting One is Mortgage Basic
Best Mortgage Rate - Getting One is Mortgage Basic
by Ernesto Maitim
Many individuals dream of having their own home but because of high costs, many turn to home mortgage in order to realize this dream. Therefore it is a must that one becomes fully acquainted with mortgage basics and an important one is to get the best mortgage rate that he can obtain for his home loan.
This can be done via online, from one lending entity to another. Never stop on one or two company; as much as possible try getting quotes from as many lenders as possible. This will give you a lot of choices and in the end you can make the right decision. Aside from online lending site, you can also obtain home loans via credit unions, banks, insurance groups as well as mortgage banks.
If you choose an adjustable rate mortgage, you can obtain low rates early and be able to pay low for short time ownership of the property. If you decide that you want a fixed rate mortgage loan, this actually will make you maintain a high but constant interest rates. The fixed rate home mortgage is ideal if you are staying in your property for more than five years. If you try adjustable rate, the advantage is low rates; however you will eventually have to go for a much higher rate later on.
Since home loans are usually large amounts, repayments can be done from 15 to 30 long years. The length of time for such loan is known as the term. Such home loan undergoes the amortization process, with the total amount divided into equal payments over the term of the loan. Early payments normally go for the interests; latter payments then go to the principal of the loan.
Once you have decided which loan is appropriate for you, it is ideal to look for the lender that can offer you the best mortgage rate by making comparisons among many lending companies. Go online and make exhaustive search on loan sites on the Internet. Newspapers and magazines' real estate corners are also a good place to find good lenders. Remember, it is a must to obtain the best home mortgage loan in order avoid any repayment problems from cropping up in the future.
by Ernesto Maitim
Many individuals dream of having their own home but because of high costs, many turn to home mortgage in order to realize this dream. Therefore it is a must that one becomes fully acquainted with mortgage basics and an important one is to get the best mortgage rate that he can obtain for his home loan.
This can be done via online, from one lending entity to another. Never stop on one or two company; as much as possible try getting quotes from as many lenders as possible. This will give you a lot of choices and in the end you can make the right decision. Aside from online lending site, you can also obtain home loans via credit unions, banks, insurance groups as well as mortgage banks.
If you choose an adjustable rate mortgage, you can obtain low rates early and be able to pay low for short time ownership of the property. If you decide that you want a fixed rate mortgage loan, this actually will make you maintain a high but constant interest rates. The fixed rate home mortgage is ideal if you are staying in your property for more than five years. If you try adjustable rate, the advantage is low rates; however you will eventually have to go for a much higher rate later on.
Since home loans are usually large amounts, repayments can be done from 15 to 30 long years. The length of time for such loan is known as the term. Such home loan undergoes the amortization process, with the total amount divided into equal payments over the term of the loan. Early payments normally go for the interests; latter payments then go to the principal of the loan.
Once you have decided which loan is appropriate for you, it is ideal to look for the lender that can offer you the best mortgage rate by making comparisons among many lending companies. Go online and make exhaustive search on loan sites on the Internet. Newspapers and magazines' real estate corners are also a good place to find good lenders. Remember, it is a must to obtain the best home mortgage loan in order avoid any repayment problems from cropping up in the future.
Questions to Ask Your Listing Agent
Questions to Ask Your Listing Agent
by Lee Keadle
Whether you're interviewing listing agents, meeting with your listing agent for the first time, or following up with your agent after listing your home, there are some definite points that you should go over so that you can learn what to expect as a seller in your local real estate market. I've included some questions that you should ask before you list your home. If you've already listed your home, it's not too late to ask these questions! Your real estate agent has hopefully already answered most of these questions. But, if he or she hasn't, these topics will play a big role in selling your home in the coming weeks.
1) How long is it taking to sell a home in my market? (In other words, what is the DOM, or Days on Market, for the homes that have sold?)
2) What is the ratio of homes that have sold compared to the homes that have been listed? In other words, what is your home's chance of selling if you list it? Keep in mind that a lot of homes are listed but don't actually sell.
3) What are homes selling for versus the price they are being listed for? Your agent should be able to tell you a percentage difference for the asking price compared with the final sales price of homes in your area. Depending on where you live, this percentage difference can be a small amount or a considerable amount. This question is important because it leads to the next question.
4) What should I list my home for? This amount will partly depend on how much you owe on the mortgage, among other things. But, your agent should be able to do a CMA (Competitive Market Analysis) to show what comparable homes in your area are listing for - and selling for. Be sure to give your asking price some negotiating room. In this market, buyers are insulted if they're not able to negotiate a good bit of money off the asking price, since buyers are really wanting to take advantage of market trends and "get a good deal"!
5) What services can you and your company provide me in order to give my home exposure to buyers? Your agent should be able to provide you with a list of services offered. These usually include newspaper or television ads, which generally don't promote much of a response from buyers. So, be sure this list also includes internet sources, such as websites that receive good traffic from home buyers. The internet is becoming the most effective way to market homes, since 8 out of 10 home buyers start their home search online. This question is going to prompt a lot of other questions, so be sure to spend time on this topic with your listing agent.
6) Is there anything I need to do before we list the home? Your agent may recommend steam cleaning the carpet or doing some yard work. Unless your home is brand new, there will probably be a few things you need to do in order to spruce up your home and get it ready for showings.
by Lee Keadle
Whether you're interviewing listing agents, meeting with your listing agent for the first time, or following up with your agent after listing your home, there are some definite points that you should go over so that you can learn what to expect as a seller in your local real estate market. I've included some questions that you should ask before you list your home. If you've already listed your home, it's not too late to ask these questions! Your real estate agent has hopefully already answered most of these questions. But, if he or she hasn't, these topics will play a big role in selling your home in the coming weeks.
1) How long is it taking to sell a home in my market? (In other words, what is the DOM, or Days on Market, for the homes that have sold?)
2) What is the ratio of homes that have sold compared to the homes that have been listed? In other words, what is your home's chance of selling if you list it? Keep in mind that a lot of homes are listed but don't actually sell.
3) What are homes selling for versus the price they are being listed for? Your agent should be able to tell you a percentage difference for the asking price compared with the final sales price of homes in your area. Depending on where you live, this percentage difference can be a small amount or a considerable amount. This question is important because it leads to the next question.
4) What should I list my home for? This amount will partly depend on how much you owe on the mortgage, among other things. But, your agent should be able to do a CMA (Competitive Market Analysis) to show what comparable homes in your area are listing for - and selling for. Be sure to give your asking price some negotiating room. In this market, buyers are insulted if they're not able to negotiate a good bit of money off the asking price, since buyers are really wanting to take advantage of market trends and "get a good deal"!
5) What services can you and your company provide me in order to give my home exposure to buyers? Your agent should be able to provide you with a list of services offered. These usually include newspaper or television ads, which generally don't promote much of a response from buyers. So, be sure this list also includes internet sources, such as websites that receive good traffic from home buyers. The internet is becoming the most effective way to market homes, since 8 out of 10 home buyers start their home search online. This question is going to prompt a lot of other questions, so be sure to spend time on this topic with your listing agent.
6) Is there anything I need to do before we list the home? Your agent may recommend steam cleaning the carpet or doing some yard work. Unless your home is brand new, there will probably be a few things you need to do in order to spruce up your home and get it ready for showings.
Selling Your Home With a First Impression
Selling Your Home With a First Impression
by Robbie Foglia
Just like that cute little puppy wagging its tiny tail in the window of the pet store you always wanted as a kid, first impressions are extremely important when it comes to selling your house, especially in today's volatile market. With many people scrambling to sell their homes, if yours doesn't catch the buyer's attention in the first few moments he or she sees it, it is likely they are going to move on. To make sure the first impression isn't the last impression for your potential buyers, consider some simple ideas to spruce up your homes curb appeal.
Since most sellers are aiming to make money in the real estate business, it is important that whatever you do to attract buyers to your abode doesn't put you too far in the red before you eventually close the deal. Even with a home that is meant to be a buy-to-fix, it is important to do some basic exterior maintenance in order to attract the largest variety of buyers possible.
Cleaning up the yard by removing unnecessary items (like your pink flamingos), weeding the garden, keeping the grass cut, trimming and edging along the sidewalk, and putting in some extra mulch or potting soil in the garden are relatively cheap and time efficient things you can do to improve the look of your home from the street. If you have flower boxes in the windows or potted plants, make sure they are bright, vibrant, and well groomed or remove them because dead flowers outside means an ugly inside in the buyer's mind.
Rent a power washer to remove some soot from your siding, walkways, and any fencing surrounding your house. If you have extra paint, it may be a good idea to touch up any tired spots on the house or fence. Repainting the entire house is usually a great opportunity to improve the appeal, but it could be expensive or time-consuming, so consider your budget restraints before committing to this.
With an attractive outside and the right real estate company, such as Nancy Chandler Associates, licensed in Norfolk, Virginia, your house will have home buyers coming off the curb and inside to sign the deal in no time.
by Robbie Foglia
Just like that cute little puppy wagging its tiny tail in the window of the pet store you always wanted as a kid, first impressions are extremely important when it comes to selling your house, especially in today's volatile market. With many people scrambling to sell their homes, if yours doesn't catch the buyer's attention in the first few moments he or she sees it, it is likely they are going to move on. To make sure the first impression isn't the last impression for your potential buyers, consider some simple ideas to spruce up your homes curb appeal.
Since most sellers are aiming to make money in the real estate business, it is important that whatever you do to attract buyers to your abode doesn't put you too far in the red before you eventually close the deal. Even with a home that is meant to be a buy-to-fix, it is important to do some basic exterior maintenance in order to attract the largest variety of buyers possible.
Cleaning up the yard by removing unnecessary items (like your pink flamingos), weeding the garden, keeping the grass cut, trimming and edging along the sidewalk, and putting in some extra mulch or potting soil in the garden are relatively cheap and time efficient things you can do to improve the look of your home from the street. If you have flower boxes in the windows or potted plants, make sure they are bright, vibrant, and well groomed or remove them because dead flowers outside means an ugly inside in the buyer's mind.
Rent a power washer to remove some soot from your siding, walkways, and any fencing surrounding your house. If you have extra paint, it may be a good idea to touch up any tired spots on the house or fence. Repainting the entire house is usually a great opportunity to improve the appeal, but it could be expensive or time-consuming, so consider your budget restraints before committing to this.
With an attractive outside and the right real estate company, such as Nancy Chandler Associates, licensed in Norfolk, Virginia, your house will have home buyers coming off the curb and inside to sign the deal in no time.
Property Auctions England: A Buyer's Guide
Property Auctions England: A Buyer's Guide
by Edward D Parry
With the popularity of property auctions, England is now home to many potential buyers who may not know everything there is to know about making a purchase in such events. Auctions are not a first-come first-served type of transactions. They are like a contest wherein those who have the ability to pay more than the rest will end as the winner.
Different countries may have different requirements and such for their auctions but property auctions England style normally follow the same pattern. This article will make clear some of these requirements, steps, or knowledge that every potential bidder should know before stepping inside an auction house.
First, all buyers are usually required to register in every auction that they will attend. To be on the safe side, always bring a valid identification card. Auctions are highly secured events because a lot of money is involved. You should therefore be not surprised if registration requirements are a bit stiff and a lot of checking and counter-checking is involved.
Be aware that there are properties which are being sold outside the auction so there is a slight chance that whatever you were planning to buy may no longer be up for sale. This is nothing illegal and you cannot take this against the organizers of the auction. When in comes to property auctions, England respects that this is a private event and that there are rules and guidelines which may seem unfair at the time, but will not be countered.
Next, auctions are not always noisy places. Bidders are usually provided with hand-held numbered cards which they can quietly raise a little above their heads to indicate that they wish to make a bid on a property currently being auctioned. You do not need to bark at the auctioneer if he doesn't see you. There are many assistants designated in the different parts of the room who will gladly assist you.
There is such a thing as a "buyer's Premium". It is important that you ask immediately just how much your expected buyer's Premium is. This can range from five to ten percent of the total amount the property you have just bought. Another thing to keep in mind is the deposit that you must make the same day that you made your purchase. Deposits can either be a small percentage of total amount of the property you won or a fixed amount of money every winner should pay before leaving the venue. Take note that deposits are, more often than not, non-refundable even if you no longer want to continue with the transaction.
Buyers can purchase as many properties as they wish to provided that they pay for each separately. Different properties have different sellers so you can't expect them to share the same cashier's check can you?
There are two types of auctions, and as a buyer, you must be aware of them. The reserve auctions are those which have a confidential minimum amount requirement that must be reached before the property can be officially up for auction. This is usually a safety measure used by sellers to ensure that they will not be getting less than what had actually expected to. If the reserve price of a property is not met, the seller can opt to cancel all bids or accept the highest one and consider his property sold. The second type of auction is the absolute auction where pretty much anything goes. So long as you are the highest bidder, the property will be considered yours.
Lastly, a buyer should know that not all property auctions sell houses and lots. There are many different properties that are sold at auctions. A few examples are:
- automobiles
- real estate
- art
- jewelry
- gold and silver coins, and
- collectibles of all types
- electronics
- household items
- business inventories and
- fixtures
- business inventory liquidations
- dealer close-out merchandise
- private estate items
As a buyer in property auctions England, you should save yourself the humiliation of stepping into the auction house without ample knowledge of the situation you are getting yourself into. It is not enough that you want to buy. There are rules and guidelines which are vital to make all auctions run as smoothly as possible.
by Edward D Parry
With the popularity of property auctions, England is now home to many potential buyers who may not know everything there is to know about making a purchase in such events. Auctions are not a first-come first-served type of transactions. They are like a contest wherein those who have the ability to pay more than the rest will end as the winner.
Different countries may have different requirements and such for their auctions but property auctions England style normally follow the same pattern. This article will make clear some of these requirements, steps, or knowledge that every potential bidder should know before stepping inside an auction house.
First, all buyers are usually required to register in every auction that they will attend. To be on the safe side, always bring a valid identification card. Auctions are highly secured events because a lot of money is involved. You should therefore be not surprised if registration requirements are a bit stiff and a lot of checking and counter-checking is involved.
Be aware that there are properties which are being sold outside the auction so there is a slight chance that whatever you were planning to buy may no longer be up for sale. This is nothing illegal and you cannot take this against the organizers of the auction. When in comes to property auctions, England respects that this is a private event and that there are rules and guidelines which may seem unfair at the time, but will not be countered.
Next, auctions are not always noisy places. Bidders are usually provided with hand-held numbered cards which they can quietly raise a little above their heads to indicate that they wish to make a bid on a property currently being auctioned. You do not need to bark at the auctioneer if he doesn't see you. There are many assistants designated in the different parts of the room who will gladly assist you.
There is such a thing as a "buyer's Premium". It is important that you ask immediately just how much your expected buyer's Premium is. This can range from five to ten percent of the total amount the property you have just bought. Another thing to keep in mind is the deposit that you must make the same day that you made your purchase. Deposits can either be a small percentage of total amount of the property you won or a fixed amount of money every winner should pay before leaving the venue. Take note that deposits are, more often than not, non-refundable even if you no longer want to continue with the transaction.
Buyers can purchase as many properties as they wish to provided that they pay for each separately. Different properties have different sellers so you can't expect them to share the same cashier's check can you?
There are two types of auctions, and as a buyer, you must be aware of them. The reserve auctions are those which have a confidential minimum amount requirement that must be reached before the property can be officially up for auction. This is usually a safety measure used by sellers to ensure that they will not be getting less than what had actually expected to. If the reserve price of a property is not met, the seller can opt to cancel all bids or accept the highest one and consider his property sold. The second type of auction is the absolute auction where pretty much anything goes. So long as you are the highest bidder, the property will be considered yours.
Lastly, a buyer should know that not all property auctions sell houses and lots. There are many different properties that are sold at auctions. A few examples are:
- automobiles
- real estate
- art
- jewelry
- gold and silver coins, and
- collectibles of all types
- electronics
- household items
- business inventories and
- fixtures
- business inventory liquidations
- dealer close-out merchandise
- private estate items
As a buyer in property auctions England, you should save yourself the humiliation of stepping into the auction house without ample knowledge of the situation you are getting yourself into. It is not enough that you want to buy. There are rules and guidelines which are vital to make all auctions run as smoothly as possible.
วันเสาร์ที่ 11 ตุลาคม พ.ศ. 2551
Buying Property in Costa Blanca is Real Estate Paradise
Buying Property in Costa Blanca is Real Estate Paradise
by Dale Campbell
When it comes to buying property, Costa Blanca is a fantastic location for property investment as it has a perfect combination of awe-inspiring natural beauty and a cultural legacy. Costa Blanca is well known for its resorts such as Benidorm and Elche, the palm tree capital of the world. Golf lovers flock to the area to enjoy year round golf thanks to a climate that provides over 300 sun filled days a year. Food connoisseurs enjoy meals that have been influenced by Costa Blanca's Moorish agricultural past and rice is a main ingredient in many dishes, which includes the famous paella. Many people enjoy a glass of fine wine produced in the area, to compliment their food.
Besides being one of the most beautiful and sought after destinations, Costa Blanca has many different types of properties that are suitable for most people's budget. Buying property in Costa Blanca is all about location, location, location. If you have a large budget, then properties along the seafront would be ideal as they tend to be more expensive then else where. Seafront properties are known as real estate paradise as they are sought after areas with holiday makers and the properties can bring in some healthy rental income for the entrepreneurial property investor. If you are looking for a property as a rental income, it is advisable to choose one that has some beautiful natural sights and is near attractions like a Water Park and an Animal Park. Being located near a shopping mall and public transport can also increase your asking price for rent, and add value to your property when it comes to reselling.
For some property investors the seaside properties are too expensive, so they are traveling inland where the property prices are easier on the pocket. This is proving to be a popular choice for people relocating to Spain as not only are property prices cheaper, but the way of life tends to more 'Spanish' then places along the seafront that have had a heavy British influence for many years.
Once you've decided you're going to buy a property, set a budget and stay with it.
In Costa Blanca property prices vary with the seasons. Therefore, when you are buying property in Costa Blanca consider the time of year as the off-peak season can provide you with property that is cheaper than at the height of the tourist season. Visit the property at least twice before you make a decision, and visit it at different times of the day. Talk to the neighbours about the area and listen carefully to what they say. Also check what amenities the property has, such as electricity, water and gas, so you don't have any surprises once you've bought the property.
Having some knowledge of the property market in Costa Blanca is an important aspect to consider when buying property as the market is different than the UK. For example the buyer is liable for a transfer tax (IVA) and the rate is dependent on whether the property is a new build or a second-hand property. There are online service providers providing legal advice as well as up-to-date details of available real estate. Confirmation of the reputation and knowledge of the real estate consultant is a must to ensure reliable information about the property you want to buy. It is also important to have a legal advisor to check ownership of the property and any outstanding debts on the property before you sign any paperwork.
In conclusion, if you are looking for an overseas property investment, buying property in Costa Blanca has a lot to offer investors -great weather, popular with tourists, rich with culture, and different types of properties to suit all budgets.
by Dale Campbell
When it comes to buying property, Costa Blanca is a fantastic location for property investment as it has a perfect combination of awe-inspiring natural beauty and a cultural legacy. Costa Blanca is well known for its resorts such as Benidorm and Elche, the palm tree capital of the world. Golf lovers flock to the area to enjoy year round golf thanks to a climate that provides over 300 sun filled days a year. Food connoisseurs enjoy meals that have been influenced by Costa Blanca's Moorish agricultural past and rice is a main ingredient in many dishes, which includes the famous paella. Many people enjoy a glass of fine wine produced in the area, to compliment their food.
Besides being one of the most beautiful and sought after destinations, Costa Blanca has many different types of properties that are suitable for most people's budget. Buying property in Costa Blanca is all about location, location, location. If you have a large budget, then properties along the seafront would be ideal as they tend to be more expensive then else where. Seafront properties are known as real estate paradise as they are sought after areas with holiday makers and the properties can bring in some healthy rental income for the entrepreneurial property investor. If you are looking for a property as a rental income, it is advisable to choose one that has some beautiful natural sights and is near attractions like a Water Park and an Animal Park. Being located near a shopping mall and public transport can also increase your asking price for rent, and add value to your property when it comes to reselling.
For some property investors the seaside properties are too expensive, so they are traveling inland where the property prices are easier on the pocket. This is proving to be a popular choice for people relocating to Spain as not only are property prices cheaper, but the way of life tends to more 'Spanish' then places along the seafront that have had a heavy British influence for many years.
Once you've decided you're going to buy a property, set a budget and stay with it.
In Costa Blanca property prices vary with the seasons. Therefore, when you are buying property in Costa Blanca consider the time of year as the off-peak season can provide you with property that is cheaper than at the height of the tourist season. Visit the property at least twice before you make a decision, and visit it at different times of the day. Talk to the neighbours about the area and listen carefully to what they say. Also check what amenities the property has, such as electricity, water and gas, so you don't have any surprises once you've bought the property.
Having some knowledge of the property market in Costa Blanca is an important aspect to consider when buying property as the market is different than the UK. For example the buyer is liable for a transfer tax (IVA) and the rate is dependent on whether the property is a new build or a second-hand property. There are online service providers providing legal advice as well as up-to-date details of available real estate. Confirmation of the reputation and knowledge of the real estate consultant is a must to ensure reliable information about the property you want to buy. It is also important to have a legal advisor to check ownership of the property and any outstanding debts on the property before you sign any paperwork.
In conclusion, if you are looking for an overseas property investment, buying property in Costa Blanca has a lot to offer investors -great weather, popular with tourists, rich with culture, and different types of properties to suit all budgets.
The Property of Real Estate
The Property of Real Estate
by judithscott
The property of Coppell real estate, like any other good for sale, comes in all conditions. But the average household or feature true cost 8-10 times or more the amount of other high ticket items. That's what makes it an investment rather than just a purchase. Is essential to insure healthy is achieving a comprehensive review. Enter right at the division that any offer is contingent on a satisfactory review. And what constitutes "satisfactory" ...?
Assuming that the property contains wood, everything is on a separate review of the termite and pest. Most of the "home inspectors" do not control whether there are this, focusing instead on other mechanical and other aspects. Termites, carpenter ants, even mice can weaken the walls and floors, chew through wiring, and ruin attics and shelves.
The inspectors professionals control every aspect of a characteristic and structure.
Beginning with the foundation, looking for cracks large (almost all have minor ones), checking for flat land, and the influx of water. Does the evidence may show up as florescencia? a white powdery material that indicates the tips of the penetration, mold or mildew (stained black areas). Some will use lasers to control flat and break something and even use the counters to check whether there are concentrations of radon gas.
The houses sit on top of foundations and the ground has to be considered appropriate for the joints, angles, and materials used. Of those walls of the rise in soils that are similarly under framed incorrectly and potential damage from the water. Within the walls, plumbing and electrical systems are examined for damage, construction of non-compliant code, or age or wear simple. It is observed leakages and tubes are discussed for the mold, the terminal component, chemical or other concerns. The flow and pressure are measured at times.
Electrical systems get a full review, monitoring to see if there is faulty wiring, switches or receptacles uncovered, the wrong place to land, the switches inappropriate or ill GFCI trips. The latter are those little red buttons often seen in the middle of the plugs. They are something like miniature switches built into the receptacle itself.
Working until the attic, framing is checked for angles and strength and the area is checked to see if there are air leaks and water damage. Beneath the roof is examined for holes or tears in wallpaper and stamp out where appropriate vent pipes outside.
On top of the roof in the inspector checked to see if there are holes, loose tile, bad contellea or any other weakness that leads to a lack of protection against the elements.
Around the Coppell homes for sale from all the taps are tested for leaks and flow appropriate, within all systems of heating and air conditioning will be checked to see if there are leaks conduit, filter status, and capacity and adequate flow . Thermostats get complete pass.
Any embedded application, such as hot stove and water is checked to see if there is compliance with standards. Or propane stoves and pipes installed wood are controlled to see if there Physical integrity and function properly.
The carpets are checked to see if there are inadequate levels of wear or damage and tested for damage from mold or water. Any defective paint, determined due to the infiltration of water, get noticed.
All these items, and many more are found in a report available to whomever they are ordered and paid for the exam. When a potential buyer, defective items can be used as negotiating chips that provide price and other terms of sale. But the test can also benefit the seller given the opportunity to repair or improve items before putting the property on the market.
by judithscott
The property of Coppell real estate, like any other good for sale, comes in all conditions. But the average household or feature true cost 8-10 times or more the amount of other high ticket items. That's what makes it an investment rather than just a purchase. Is essential to insure healthy is achieving a comprehensive review. Enter right at the division that any offer is contingent on a satisfactory review. And what constitutes "satisfactory" ...?
Assuming that the property contains wood, everything is on a separate review of the termite and pest. Most of the "home inspectors" do not control whether there are this, focusing instead on other mechanical and other aspects. Termites, carpenter ants, even mice can weaken the walls and floors, chew through wiring, and ruin attics and shelves.
The inspectors professionals control every aspect of a characteristic and structure.
Beginning with the foundation, looking for cracks large (almost all have minor ones), checking for flat land, and the influx of water. Does the evidence may show up as florescencia? a white powdery material that indicates the tips of the penetration, mold or mildew (stained black areas). Some will use lasers to control flat and break something and even use the counters to check whether there are concentrations of radon gas.
The houses sit on top of foundations and the ground has to be considered appropriate for the joints, angles, and materials used. Of those walls of the rise in soils that are similarly under framed incorrectly and potential damage from the water. Within the walls, plumbing and electrical systems are examined for damage, construction of non-compliant code, or age or wear simple. It is observed leakages and tubes are discussed for the mold, the terminal component, chemical or other concerns. The flow and pressure are measured at times.
Electrical systems get a full review, monitoring to see if there is faulty wiring, switches or receptacles uncovered, the wrong place to land, the switches inappropriate or ill GFCI trips. The latter are those little red buttons often seen in the middle of the plugs. They are something like miniature switches built into the receptacle itself.
Working until the attic, framing is checked for angles and strength and the area is checked to see if there are air leaks and water damage. Beneath the roof is examined for holes or tears in wallpaper and stamp out where appropriate vent pipes outside.
On top of the roof in the inspector checked to see if there are holes, loose tile, bad contellea or any other weakness that leads to a lack of protection against the elements.
Around the Coppell homes for sale from all the taps are tested for leaks and flow appropriate, within all systems of heating and air conditioning will be checked to see if there are leaks conduit, filter status, and capacity and adequate flow . Thermostats get complete pass.
Any embedded application, such as hot stove and water is checked to see if there is compliance with standards. Or propane stoves and pipes installed wood are controlled to see if there Physical integrity and function properly.
The carpets are checked to see if there are inadequate levels of wear or damage and tested for damage from mold or water. Any defective paint, determined due to the infiltration of water, get noticed.
All these items, and many more are found in a report available to whomever they are ordered and paid for the exam. When a potential buyer, defective items can be used as negotiating chips that provide price and other terms of sale. But the test can also benefit the seller given the opportunity to repair or improve items before putting the property on the market.
Tips for Taking Your State Real Estate Exam
Tips for Taking Your State Real Estate Exam
by Tina McAllister
When you're taking real estate licensing classes, either online or in person, you know that in the end, your real estate career won't become a reality until you pass the state real state exam. So it's important that you prepare and go into the exam knowing what to expect.
The first place to start is your real estate school. There should be some sort of exam preparation offered to students. It may be online tutorials or practice test questions. But you want to start with your school and any free exam help that is being offered. Your State Real Estate Department may also have a test guide with sample questions and answers (or the testing company they contract with will have such a guide).
There are online tutor sessions you can find (for a fee, of course). And you can have family or friends give you "pop quizzes" from study exams you can find online. Just be sure to use the exam questions pertinent to your state.
It's important not to get psyched out. Don't let anyone tell you how difficult or how easy the exam is. Some people are natural-born test-takers, and that's great! But not everyone is that fortunate.
If you have the option of taking a "test exam" before the real deal, jump on it! There is no need to go into the state exam blind. It's a great way to relieve some of the anxiety you may have before taking the state exam. Knowing what to expect is half the battle.
Much of the test will likely be multiple choice. When you read the test instructions, determine whether you will be penalized for "guessing" an answer. Meaning, is it better for you to leave something blank and unanswered if you don't know the correct answer? Or is it better to just select an answer and hope that you have deduced the correct one? Typically, most tests are scored in a manner where you might as well guess, because an unanswered question will be a wrong answer and therefore hurt your score. If this is the case, just read the question and try to rule out answers you know are wrong and then pick the best possible answer from what you have left. Some other tips:
--- Positive answers are more likely than negative answers
--- Read the question first and try to come up with the correct answer before reading the answer choices, then see which answer fits with what you came up with
--- Don't skip around as it wastes precious time
--- Beware of absolutes such as "always" or "never" - these are rarely correct
--- Don't over-analyze the questions - take them at face value
by Tina McAllister
When you're taking real estate licensing classes, either online or in person, you know that in the end, your real estate career won't become a reality until you pass the state real state exam. So it's important that you prepare and go into the exam knowing what to expect.
The first place to start is your real estate school. There should be some sort of exam preparation offered to students. It may be online tutorials or practice test questions. But you want to start with your school and any free exam help that is being offered. Your State Real Estate Department may also have a test guide with sample questions and answers (or the testing company they contract with will have such a guide).
There are online tutor sessions you can find (for a fee, of course). And you can have family or friends give you "pop quizzes" from study exams you can find online. Just be sure to use the exam questions pertinent to your state.
It's important not to get psyched out. Don't let anyone tell you how difficult or how easy the exam is. Some people are natural-born test-takers, and that's great! But not everyone is that fortunate.
If you have the option of taking a "test exam" before the real deal, jump on it! There is no need to go into the state exam blind. It's a great way to relieve some of the anxiety you may have before taking the state exam. Knowing what to expect is half the battle.
Much of the test will likely be multiple choice. When you read the test instructions, determine whether you will be penalized for "guessing" an answer. Meaning, is it better for you to leave something blank and unanswered if you don't know the correct answer? Or is it better to just select an answer and hope that you have deduced the correct one? Typically, most tests are scored in a manner where you might as well guess, because an unanswered question will be a wrong answer and therefore hurt your score. If this is the case, just read the question and try to rule out answers you know are wrong and then pick the best possible answer from what you have left. Some other tips:
--- Positive answers are more likely than negative answers
--- Read the question first and try to come up with the correct answer before reading the answer choices, then see which answer fits with what you came up with
--- Don't skip around as it wastes precious time
--- Beware of absolutes such as "always" or "never" - these are rarely correct
--- Don't over-analyze the questions - take them at face value
Tips For Real Estate Agents on Finding the Right Broker
Tips For Real Estate Agents on Finding the Right Broker
by Tina McAllister
You can start interviewing brokers while you're in real estate school, or right around the time you take the state real estate exam. You don't want to put it off too long because many states have a timeframe in which you must hang your license with a broker…why pay extra for moving your license from inactive to active, when you can immediately have it active?
So while you're taking classes, start doing your homework on reputable brokers in your area. (Reputation is important!!) If you are attending a real estate school in person, you will find bulletin boards with all sorts of ads from the brokers wanting new agents. But you can also look in the classified ads section of the newspaper and search online for brokers in your area. And an online school may also be able to provide a list of brokers for you to research.
You'll want to check out the brokers' websites as many have pages dedicated to interested agents. These pages will outline some of the highlights of the broker's agent programs. They should give you an idea of whether you want to take the time to interview with them. And if you do, just call up and say you are working towards your sales license and want to discuss their programs for new agents.
For almost all situations for new residential resales agents, you are looking at becoming an Independent Contractor. You will not be an employee. Taxes will be your responsibility. You will receive a 1099 for the previous year's earnings. Why is this important? It's a reminder that this is not a job. It's a business. And that's why interviewing brokers is so important. You want to make sure you pick the company that works for you!
Remember, you are interviewing them as much as they are interviewing you. Be professional, take an updated resume and be ready to discuss your background. But also be prepared to ask them questions! Ask them about their training programs and their office support. Get the details on each of their commission plans so you can calculate which one makes the most financial sense for you. And don't forget to ask about the direction the company is going in the future. In the end, you want to make sure that the broker and the company philosophies fit your personality and business plan!
by Tina McAllister
You can start interviewing brokers while you're in real estate school, or right around the time you take the state real estate exam. You don't want to put it off too long because many states have a timeframe in which you must hang your license with a broker…why pay extra for moving your license from inactive to active, when you can immediately have it active?
So while you're taking classes, start doing your homework on reputable brokers in your area. (Reputation is important!!) If you are attending a real estate school in person, you will find bulletin boards with all sorts of ads from the brokers wanting new agents. But you can also look in the classified ads section of the newspaper and search online for brokers in your area. And an online school may also be able to provide a list of brokers for you to research.
You'll want to check out the brokers' websites as many have pages dedicated to interested agents. These pages will outline some of the highlights of the broker's agent programs. They should give you an idea of whether you want to take the time to interview with them. And if you do, just call up and say you are working towards your sales license and want to discuss their programs for new agents.
For almost all situations for new residential resales agents, you are looking at becoming an Independent Contractor. You will not be an employee. Taxes will be your responsibility. You will receive a 1099 for the previous year's earnings. Why is this important? It's a reminder that this is not a job. It's a business. And that's why interviewing brokers is so important. You want to make sure you pick the company that works for you!
Remember, you are interviewing them as much as they are interviewing you. Be professional, take an updated resume and be ready to discuss your background. But also be prepared to ask them questions! Ask them about their training programs and their office support. Get the details on each of their commission plans so you can calculate which one makes the most financial sense for you. And don't forget to ask about the direction the company is going in the future. In the end, you want to make sure that the broker and the company philosophies fit your personality and business plan!
Why Mommy Real Estate Agents Need a Mentor
Why Mommy Real Estate Agents Need a Mentor
by Tina McAllister
When you enter the first year of your real estate business, it's easy to feel overwhelmed. It starts with the licensing courses. There is a lot to learn and you usually do it in an unusually short amount of time. And then you have to find a broker to hang your real estate license with. Then comes the prospecting for clients…you get the idea. There's a lot going on when you first enter the business. And it would be nice to have some professional guidance.
You can find professional guidance in a mentor, another real estate professional who can not only be a supportive sounding board, but also an authority on how to work your real estate business. A good mentor can be invaluable. Wouldn't it be nice to have a trusted advisor who can field questions that pop up as you work your real estate business and impart wisdom from a perspective only a fellow agent would have?
Some brokers have official programs in place for mentorship of their new agents. They pair the newbie up with a seasoned professional. And that professional has typically volunteered for that mentor role, so he/she brings an enthusiasm and desire to help you and your business. If your broker doesn't have an official mentor program in place, then just ask if any agents in the office may be willing to help you out and be the main point of contact when you have questions and need guidance.
You may also be able to find a mentor online if you frequent real estate forums and make connections with real estate colleagues. Just keep in mind that real estate law and procedure differs in many states, so if your mentor is in a different location, she may be able to help you in marketing matters, but not in specific real estate transaction issues.
You may even want more than one mentor. It's a good thing to have several different perspectives on the real estate business. You may want one mentor who is also a mother. She's worked the business while juggling family responsibilities, so she will be able to give you first-hand experience through a mommy real estate agent's eyes. But you may find that other real estate professionals have their own unique take on prospecting, working with clients and getting transactions to close. The more experience you can draw on, the better off you and your real estate business will be!
by Tina McAllister
When you enter the first year of your real estate business, it's easy to feel overwhelmed. It starts with the licensing courses. There is a lot to learn and you usually do it in an unusually short amount of time. And then you have to find a broker to hang your real estate license with. Then comes the prospecting for clients…you get the idea. There's a lot going on when you first enter the business. And it would be nice to have some professional guidance.
You can find professional guidance in a mentor, another real estate professional who can not only be a supportive sounding board, but also an authority on how to work your real estate business. A good mentor can be invaluable. Wouldn't it be nice to have a trusted advisor who can field questions that pop up as you work your real estate business and impart wisdom from a perspective only a fellow agent would have?
Some brokers have official programs in place for mentorship of their new agents. They pair the newbie up with a seasoned professional. And that professional has typically volunteered for that mentor role, so he/she brings an enthusiasm and desire to help you and your business. If your broker doesn't have an official mentor program in place, then just ask if any agents in the office may be willing to help you out and be the main point of contact when you have questions and need guidance.
You may also be able to find a mentor online if you frequent real estate forums and make connections with real estate colleagues. Just keep in mind that real estate law and procedure differs in many states, so if your mentor is in a different location, she may be able to help you in marketing matters, but not in specific real estate transaction issues.
You may even want more than one mentor. It's a good thing to have several different perspectives on the real estate business. You may want one mentor who is also a mother. She's worked the business while juggling family responsibilities, so she will be able to give you first-hand experience through a mommy real estate agent's eyes. But you may find that other real estate professionals have their own unique take on prospecting, working with clients and getting transactions to close. The more experience you can draw on, the better off you and your real estate business will be!
วันพฤหัสบดีที่ 9 ตุลาคม พ.ศ. 2551
Myrtle Beach Foreclosure Properties
Myrtle Beach Foreclosure Properties
by Randy Zlobec
The real estate market is in crisis, there is no denying it. A disastrous coupling of mortgage companies making bad loans and people who couldn't repay them has resulted in an excess of homes and condominiums sitting empty all over the country. One place that is definitely no exception is Myrtle Beach, South Carolina.
What you probably think of when you think of Myrtle Beach is of course, the beach, the ocean, and the wonderful vacations that thousands of people enjoy there every year. Another thing you must now consider is the property available there. The mortgage crisis has resulted in dozens of beautiful condos sitting empty all over Myrtle Beach. Now is the time to buy.
If you are considering an investment property, there is no better place to consider than Myrtle Beach. Myrtle Beach has ever been popular as a place to vacation and live and shows no signs of slowing down. Right now, you can swoop in and scoop up a property that a few years ago you may not have been able to consider. Prices on these condos have dropped as much as 50% in some areas, yet many investors are still a bit "gun shy" when it comes to purchasing property. Now is your chance.
The market will pick up again, it is inevitable. Most economists agree that the market is cyclical and that things will return to how they were before the "mortgage boom." Whenever that happens, be it next month or next year, you can be assured that your return on investment, or ROI, will be considerable should you invest in a Myrtle Beach foreclosure property. All you really need to do is maintain the property until then and you can then sell it for a major profit.
Even if you aren't looking for an investment property, Myrtle Beach condos make for great retirement locations. Many retirees are looking for a nice, warm place to retire where they and their spouse can make the most of their time together. Maybe you've vacationed there in the past and thought "What must it be like to live here?" Well, now you can affordably find out. Myrtle Beach is one of the most beautiful places in the world to live, why not take advantage of the current low prices and find out for yourself? Maybe you're simply searching for a great summer home. Once again, you can do no better than a condo at Myrtle Beach.
If you've ever considered purchasing an investment property, now is a time like no other to get involved. Myrtle Beach condos in particular are a virtually untapped resource that is just sitting there, waiting for the perfect investor to come by and make a huge profit. When the market picks back up again, the ROI on any Myrtle Beach foreclosure property is sure to be tremendous. Even if you are simply looking for a place to live or a summer property, Myrtle Beach condos are some of the best deals you will ever find.
by Randy Zlobec
The real estate market is in crisis, there is no denying it. A disastrous coupling of mortgage companies making bad loans and people who couldn't repay them has resulted in an excess of homes and condominiums sitting empty all over the country. One place that is definitely no exception is Myrtle Beach, South Carolina.
What you probably think of when you think of Myrtle Beach is of course, the beach, the ocean, and the wonderful vacations that thousands of people enjoy there every year. Another thing you must now consider is the property available there. The mortgage crisis has resulted in dozens of beautiful condos sitting empty all over Myrtle Beach. Now is the time to buy.
If you are considering an investment property, there is no better place to consider than Myrtle Beach. Myrtle Beach has ever been popular as a place to vacation and live and shows no signs of slowing down. Right now, you can swoop in and scoop up a property that a few years ago you may not have been able to consider. Prices on these condos have dropped as much as 50% in some areas, yet many investors are still a bit "gun shy" when it comes to purchasing property. Now is your chance.
The market will pick up again, it is inevitable. Most economists agree that the market is cyclical and that things will return to how they were before the "mortgage boom." Whenever that happens, be it next month or next year, you can be assured that your return on investment, or ROI, will be considerable should you invest in a Myrtle Beach foreclosure property. All you really need to do is maintain the property until then and you can then sell it for a major profit.
Even if you aren't looking for an investment property, Myrtle Beach condos make for great retirement locations. Many retirees are looking for a nice, warm place to retire where they and their spouse can make the most of their time together. Maybe you've vacationed there in the past and thought "What must it be like to live here?" Well, now you can affordably find out. Myrtle Beach is one of the most beautiful places in the world to live, why not take advantage of the current low prices and find out for yourself? Maybe you're simply searching for a great summer home. Once again, you can do no better than a condo at Myrtle Beach.
If you've ever considered purchasing an investment property, now is a time like no other to get involved. Myrtle Beach condos in particular are a virtually untapped resource that is just sitting there, waiting for the perfect investor to come by and make a huge profit. When the market picks back up again, the ROI on any Myrtle Beach foreclosure property is sure to be tremendous. Even if you are simply looking for a place to live or a summer property, Myrtle Beach condos are some of the best deals you will ever find.
วันพุธที่ 8 ตุลาคม พ.ศ. 2551
Dubai Real Estate Investors Get a New Property Search
Dubai Real Estate Investors Get a New Property Search
by vishal
Off the back of dubizzle's wildly successful Dubai Property for Rent pages, we have decided to vastly improve our up and coming Dubai Property for Sale section.
We already have one of the largest online databases of fresh real estate for sale in Dubai with live feeds from Landmark, Better Homes, Taktical and Halcon and various new agencies starting the sign up process every week. With such a fantastic listing, however, we decided that a better search and design was desperately needed.
People who are looking to invest in property in Dubai require a different type of listing than someone who is in the market for a couch, so we had to stray a bit from the basic dubizzle design. Instead, we instituted a listing in which real estate seekers can view photos and information about a property without committing to clicking on the listing. This makes the browsing experience much quicker and easier for the real estate investor.
Furthermore, the search for real estate in Dubai is much different than that of a second hand refrigerator. Firstly, the turnover is much slower, and secondly the neighbourhood plays a much more crucial role. The trouble is, Dubai has 100s of neighbourhoods, they're not clearly defined, hardly anyone knows their names, and new ones spring up every day. It's confusing enough for someone who lives in Abu Dhabi Property, let alone someone who is looking to invest in property in Dubai from overseas.
With consideration of all of these factors, we decided that we needed to devise a new clever yet simple property search . The solution was quite simple, we decided that we needed to break Dubai into a number of key areas where people search for housing in Dubai . All of Dubai's no-name neighbourhoods would fall under one of these areas, as would any new property developments. From looking at our property search map you can see that we broke Dubai into 17 distinct areas: Palm Jebel Ali, Palm Jumeirah, The World, Palm Deira, Jebel Ali, Dubai Marina, Beach Communities, Bur Dubai, Freehold Suburbs South, Al Barsha, SZR Trade Centre, Garhoud, Qusais, Dubai Land, Dubai East, and Mirdiff.
by vishal
Off the back of dubizzle's wildly successful Dubai Property for Rent pages, we have decided to vastly improve our up and coming Dubai Property for Sale section.
We already have one of the largest online databases of fresh real estate for sale in Dubai with live feeds from Landmark, Better Homes, Taktical and Halcon and various new agencies starting the sign up process every week. With such a fantastic listing, however, we decided that a better search and design was desperately needed.
People who are looking to invest in property in Dubai require a different type of listing than someone who is in the market for a couch, so we had to stray a bit from the basic dubizzle design. Instead, we instituted a listing in which real estate seekers can view photos and information about a property without committing to clicking on the listing. This makes the browsing experience much quicker and easier for the real estate investor.
Furthermore, the search for real estate in Dubai is much different than that of a second hand refrigerator. Firstly, the turnover is much slower, and secondly the neighbourhood plays a much more crucial role. The trouble is, Dubai has 100s of neighbourhoods, they're not clearly defined, hardly anyone knows their names, and new ones spring up every day. It's confusing enough for someone who lives in Abu Dhabi Property, let alone someone who is looking to invest in property in Dubai from overseas.
With consideration of all of these factors, we decided that we needed to devise a new clever yet simple property search . The solution was quite simple, we decided that we needed to break Dubai into a number of key areas where people search for housing in Dubai . All of Dubai's no-name neighbourhoods would fall under one of these areas, as would any new property developments. From looking at our property search map you can see that we broke Dubai into 17 distinct areas: Palm Jebel Ali, Palm Jumeirah, The World, Palm Deira, Jebel Ali, Dubai Marina, Beach Communities, Bur Dubai, Freehold Suburbs South, Al Barsha, SZR Trade Centre, Garhoud, Qusais, Dubai Land, Dubai East, and Mirdiff.
Top 5 Virginia Real Estate Counties Reviewed
Top 5 Virginia Real Estate Counties Reviewed
by Brian Garvin
Amherst County, VA. - The Amherst County, VA Real Estate Market has a lot of advantages for both Real Estate Buyers and Real Estate Sellers. Amherst is deeply committed to progress and growth as well as a region of people who are there for each other in the worst of times. The current county seat is Colleen which is by Nelson County. Tobacco, Apple Orchards, Mining, Milling and Timber are all traits characterists of this area. The Appalacian Train runs 25 miles through the county, and you can also take advantage of the Virginia Blue Ridge Railway Trail. Many homes in this area have that old, 1900's rustic look.
Appomattox County, VA. - In 1845, this region was started from Buckingham, Prince Edward, Campbell and Charlotte Counties. This entire county was named after the Appomattox River. This is also the same region where Confederate General Robert Lee gave up and turned in arms to Ulysses S. Grant, which happened at the McLean house. One square mile of this county is just water, but the other 335 square miles is land. You can also visit the Holiday Lake State Park as well as the Paradise Lake Campground while you're out here if you love hiking. Friday Cheers only takes place here from February through October. This region also sports the Lions Club Food festival in May. Get ready for plenty of barbecues, shrimp and catfish.
Bedford County, VA. - This region has great transportation links and is fairly close by Washington, DC, as well as Richmond which is the State Capitol of Virginia. East of Roanoke, VA., this county covers about 764 Square Miles. Within one day you can reach any of the major Mid Atlantic Cities which makes this a high demand area for VA Real Estate Buyers as well as Real Estate Sellers. If you are into water sports, hunting, camping, fishing and hiking, this area can accommodate you very well. There is a strong sense of community and loyalty among people of this area, and home values have remained stabile in spite of the current recession.
Campbell County, VA. - This county was founded in 1789 and named after Colonel Arthur Campbell. This area is notorious for its beauty and available natural resources. In 1936 a dam was constructed in this area which has recently become a tourist trap called Norris Lake. Baseball, Swimming, Basketball, Soccer and Football are very popular around the Campbell County region. If you get out here you should also consider visiting the Avoca Museum and the National D-Day memorial. Annual Festivities in this region include the Wine Festival as well as the Annual Tractor Pull. Tobacco used to be the main industry out here, but recently lots of other successful enterprises have started budding as well.
Buckingham County, VA. - Buckingham rests South of the James River, smack in the middle of the State of Virginia. This county was founded in 1761, and before this it was a part of Albemarle County. Some claim this region was named from the Duke of Buckingham in Nelgnad. Others claim it was named after Archibald Cary on Willis Creek. Whatever the case, while you're out in Buckingham be sure to view the home of Carter G. Woodson who is the father of African American history and Black History Month. This region is also the home of Revolutionary War soldier Peter Francisco.
by Brian Garvin
Amherst County, VA. - The Amherst County, VA Real Estate Market has a lot of advantages for both Real Estate Buyers and Real Estate Sellers. Amherst is deeply committed to progress and growth as well as a region of people who are there for each other in the worst of times. The current county seat is Colleen which is by Nelson County. Tobacco, Apple Orchards, Mining, Milling and Timber are all traits characterists of this area. The Appalacian Train runs 25 miles through the county, and you can also take advantage of the Virginia Blue Ridge Railway Trail. Many homes in this area have that old, 1900's rustic look.
Appomattox County, VA. - In 1845, this region was started from Buckingham, Prince Edward, Campbell and Charlotte Counties. This entire county was named after the Appomattox River. This is also the same region where Confederate General Robert Lee gave up and turned in arms to Ulysses S. Grant, which happened at the McLean house. One square mile of this county is just water, but the other 335 square miles is land. You can also visit the Holiday Lake State Park as well as the Paradise Lake Campground while you're out here if you love hiking. Friday Cheers only takes place here from February through October. This region also sports the Lions Club Food festival in May. Get ready for plenty of barbecues, shrimp and catfish.
Bedford County, VA. - This region has great transportation links and is fairly close by Washington, DC, as well as Richmond which is the State Capitol of Virginia. East of Roanoke, VA., this county covers about 764 Square Miles. Within one day you can reach any of the major Mid Atlantic Cities which makes this a high demand area for VA Real Estate Buyers as well as Real Estate Sellers. If you are into water sports, hunting, camping, fishing and hiking, this area can accommodate you very well. There is a strong sense of community and loyalty among people of this area, and home values have remained stabile in spite of the current recession.
Campbell County, VA. - This county was founded in 1789 and named after Colonel Arthur Campbell. This area is notorious for its beauty and available natural resources. In 1936 a dam was constructed in this area which has recently become a tourist trap called Norris Lake. Baseball, Swimming, Basketball, Soccer and Football are very popular around the Campbell County region. If you get out here you should also consider visiting the Avoca Museum and the National D-Day memorial. Annual Festivities in this region include the Wine Festival as well as the Annual Tractor Pull. Tobacco used to be the main industry out here, but recently lots of other successful enterprises have started budding as well.
Buckingham County, VA. - Buckingham rests South of the James River, smack in the middle of the State of Virginia. This county was founded in 1761, and before this it was a part of Albemarle County. Some claim this region was named from the Duke of Buckingham in Nelgnad. Others claim it was named after Archibald Cary on Willis Creek. Whatever the case, while you're out in Buckingham be sure to view the home of Carter G. Woodson who is the father of African American history and Black History Month. This region is also the home of Revolutionary War soldier Peter Francisco.
Style and Great Living with Miami Condo Real Estate
Style and Great Living with Miami Condo Real Estate
by Jron Magcale
Condominiums are in a great good trend and nowadays people prefer to live in style and with condos, you know you'll get the modern look and the great style while living your life to the fullest. They say that living your life on the edge is always fun and we all know that there are a lot of celebrities and known-figures that prefers to have condo home than having a big residential home. It is like living in a compact setting that still have everything look in style. Well, now that we are talking about condo real estate. Let's locate the best place for condos, you might a lot of cities in mind, my guess is you have L.A., N.Y. or L.V. in your minds but let me tell you that the big ‘ol M.I.A. no, not Missing In Action but Miami, is one of the big boys in condo real estate.
As we all know and aware of Miami condo real estate has been on the scene ever since the condo booms have hit the American soil, Miami boasts a lot of potential to be a great condo hot spot. Let us look at why, Miami is the best for condo real estate and try to see some important factors why people look at Miami in a relatively different way.
Sun, Sand and Surf
Like Southern California, South Florida's Miami is a hot spot for spring breaks and summer vacations, why? Well for one the beaches of the place can be a real paradise. So, every year we see a lot of tourist (Foreigners or not) that have been strolling Miami Beach strip, having fun in the sun. So with that I think that the beachfront condos have been a really good treat for people who want to make Miami their permanent vacation spot. Miami condo real estate has really gets big attention with this factor.
Living in Style
A lot of Miami luxury condo has been established as a style haven, having the best furniture the best location and the best establishments, living in Miami style has been a great thing. Exclusive condo real estate has been known to make famous people get their names on the list and people who are into style can really have a ball considering Miami is a place where we all know that we can get the satisfaction of having the style factor in the running.
I think that there are a lot of things that we should all look at into considering our home, Miami condo real estate is a perfect example of living in paradise and in this case, living in condo paradise. I am sure that there a re a lot of choices that people can look at and choose from but the real deal is Miami is a great place for our home to have that great sense of style and we can all enjoy what that city ahs to offer. Miami condo real estate is a real great market, so I suggest you have look at it.
by Jron Magcale
Condominiums are in a great good trend and nowadays people prefer to live in style and with condos, you know you'll get the modern look and the great style while living your life to the fullest. They say that living your life on the edge is always fun and we all know that there are a lot of celebrities and known-figures that prefers to have condo home than having a big residential home. It is like living in a compact setting that still have everything look in style. Well, now that we are talking about condo real estate. Let's locate the best place for condos, you might a lot of cities in mind, my guess is you have L.A., N.Y. or L.V. in your minds but let me tell you that the big ‘ol M.I.A. no, not Missing In Action but Miami, is one of the big boys in condo real estate.
As we all know and aware of Miami condo real estate has been on the scene ever since the condo booms have hit the American soil, Miami boasts a lot of potential to be a great condo hot spot. Let us look at why, Miami is the best for condo real estate and try to see some important factors why people look at Miami in a relatively different way.
Sun, Sand and Surf
Like Southern California, South Florida's Miami is a hot spot for spring breaks and summer vacations, why? Well for one the beaches of the place can be a real paradise. So, every year we see a lot of tourist (Foreigners or not) that have been strolling Miami Beach strip, having fun in the sun. So with that I think that the beachfront condos have been a really good treat for people who want to make Miami their permanent vacation spot. Miami condo real estate has really gets big attention with this factor.
Living in Style
A lot of Miami luxury condo has been established as a style haven, having the best furniture the best location and the best establishments, living in Miami style has been a great thing. Exclusive condo real estate has been known to make famous people get their names on the list and people who are into style can really have a ball considering Miami is a place where we all know that we can get the satisfaction of having the style factor in the running.
I think that there are a lot of things that we should all look at into considering our home, Miami condo real estate is a perfect example of living in paradise and in this case, living in condo paradise. I am sure that there a re a lot of choices that people can look at and choose from but the real deal is Miami is a great place for our home to have that great sense of style and we can all enjoy what that city ahs to offer. Miami condo real estate is a real great market, so I suggest you have look at it.
The Great Deal with Miami Real Estate
The Great Deal with Miami Real Estate
by Jron Magcale
There are things in life that are considered as important situations in our life. First of all, I think that people have overlooked the fact that we all need a house that we can all consider as our real home. So in importance of it, picking the best home, not house, but home, is really important. A home should be in a place where every part of the family will be comfortable. A lot of people have looked at options in which they think that can be a real treat for their family, so let me start by saying that one big important thing to keep in mind is that you need to know that the location of your home should be prioritized.
Making Everything Count
Sure, there are a lot of things that people that would suggest different kinds of things but let me tell you that with all the things that you hear you might be a bit confuse on which thing to consider the best. Miami real estate can offer a lot to a family; making everything count on looking at your future home is important. Of course you have to take all the sides on a positive not. Miami is a great city and its real estate can be one of its kinds. Going to your family to get opinions can be a vital thing to keep in mind.
Good Working Environment
Well, let’s put it in hand that looking for a home that can give you a good working environment can be important. We all know the things that we all have to keep in mind on it and as a family; we have to know if the right working environment can be observed. Of course you don’t want to move into a place that would not have access for your work, as we all know our jobs are the ones that pays our bills, so it is a good thing to look at it with open eyes as well.
The truth is we have a lot of things to look at and keep in mind into, moving to a home that would be very helpful to us can be a great thing to have. Miami real estate can offer a lot, it is no joke and we have seen the results. A lot of people considers Miami as a paradise, well it is a great safe assumption, especially right now that there are a more and more home hunters that are looking for a real estate that could do a lot for them, it can be a great idea to check the city out, well check some Miami real estate while at it to see the considerations on it. Miami is a place of potential and we all should look at it in a considerable great vision so that we can get the idea of having a home that can be best for our family.
by Jron Magcale
There are things in life that are considered as important situations in our life. First of all, I think that people have overlooked the fact that we all need a house that we can all consider as our real home. So in importance of it, picking the best home, not house, but home, is really important. A home should be in a place where every part of the family will be comfortable. A lot of people have looked at options in which they think that can be a real treat for their family, so let me start by saying that one big important thing to keep in mind is that you need to know that the location of your home should be prioritized.
Making Everything Count
Sure, there are a lot of things that people that would suggest different kinds of things but let me tell you that with all the things that you hear you might be a bit confuse on which thing to consider the best. Miami real estate can offer a lot to a family; making everything count on looking at your future home is important. Of course you have to take all the sides on a positive not. Miami is a great city and its real estate can be one of its kinds. Going to your family to get opinions can be a vital thing to keep in mind.
Good Working Environment
Well, let’s put it in hand that looking for a home that can give you a good working environment can be important. We all know the things that we all have to keep in mind on it and as a family; we have to know if the right working environment can be observed. Of course you don’t want to move into a place that would not have access for your work, as we all know our jobs are the ones that pays our bills, so it is a good thing to look at it with open eyes as well.
The truth is we have a lot of things to look at and keep in mind into, moving to a home that would be very helpful to us can be a great thing to have. Miami real estate can offer a lot, it is no joke and we have seen the results. A lot of people considers Miami as a paradise, well it is a great safe assumption, especially right now that there are a more and more home hunters that are looking for a real estate that could do a lot for them, it can be a great idea to check the city out, well check some Miami real estate while at it to see the considerations on it. Miami is a place of potential and we all should look at it in a considerable great vision so that we can get the idea of having a home that can be best for our family.
วันเสาร์ที่ 4 ตุลาคม พ.ศ. 2551
Commercial Real Estate- How big is too Big when you buy your first Apartment Building
Commercial Real Estate- How big is too Big when you buy your first Apartment Building
by Darrick Scruggs
It is hard to say, it all depends on your circumstances, your current financial situation, your knowledge of investment and a myriad of other items that need to be taken into consideration when it comes to size and or price of an apartment building. Investors, need to set realistic time frames for what they want to accomplish, stop being in a rush, this is not a sprint it is more like a marathon and you do not need to always be first to the finish line to win. Let me clarify that size does not always matter, what matters to me more than size would be the property, location of the building, and the terms of the deal and in the end can I make a profit. I would favor a great location of a distressed building over great building in a bad location, in my opinion if possible you would like to purchase the worst building in the best area.
There is a lot more to it when deciding about the right Apartment building. Even before you get into doing all the necessary homework needed to make this deal a reality you need to access what level of commitment will you be able to provide for the project. I see so many people that are extraordinary at doing the analyzing of the buildings financial, but they forget the most aspect of Real Estate, it is first and foremost a business. Most become enamored with fancy spreadsheets with colorful graphs that shows the “potential of this or that project. Potential will not pay the mortgage, or make a profit for you. The goal for you as an investor in most cases will be to take potential and turn that into reality. I have saying that goes like this, “if come will not make you richâ€. Let’s try through developing systems to turn that word “if†and or potential into actual income.
The reason I mentioned all of this about “if come†and “potential’ relates back to the topic of this article how big is too big when you start. As a seasoned investor I try to use the crawl, walk, and then sprint system for beginners. As a child you do not just wake up one morning and start to sprint, you crawl for a while get comfortable, then figure out how to balance yourself and then you start to walk, after that you do not immediately start to run, you probably try to take baby steps, then larger step only after you feel comfortable. Well this is the basis of my success for the past 13 years in real estate, when you do not have a solid foundation that you are building on; you will more than likely tumble and fall. Take baby steps, 15-25 units to get your feet wet, build your knowledge of the business, and learn the ins and outs of owning a multi-family building. Then and only then would I advise you to even think about trying to do a large building, of course there are exceptions to every rule. But if you are interested in learning how to turbo-charge your learning curve and maybe skip the crawling portion of this business and go into an all out sprint right away you need to contact The Power to Be Free.
by Darrick Scruggs
It is hard to say, it all depends on your circumstances, your current financial situation, your knowledge of investment and a myriad of other items that need to be taken into consideration when it comes to size and or price of an apartment building. Investors, need to set realistic time frames for what they want to accomplish, stop being in a rush, this is not a sprint it is more like a marathon and you do not need to always be first to the finish line to win. Let me clarify that size does not always matter, what matters to me more than size would be the property, location of the building, and the terms of the deal and in the end can I make a profit. I would favor a great location of a distressed building over great building in a bad location, in my opinion if possible you would like to purchase the worst building in the best area.
There is a lot more to it when deciding about the right Apartment building. Even before you get into doing all the necessary homework needed to make this deal a reality you need to access what level of commitment will you be able to provide for the project. I see so many people that are extraordinary at doing the analyzing of the buildings financial, but they forget the most aspect of Real Estate, it is first and foremost a business. Most become enamored with fancy spreadsheets with colorful graphs that shows the “potential of this or that project. Potential will not pay the mortgage, or make a profit for you. The goal for you as an investor in most cases will be to take potential and turn that into reality. I have saying that goes like this, “if come will not make you richâ€. Let’s try through developing systems to turn that word “if†and or potential into actual income.
The reason I mentioned all of this about “if come†and “potential’ relates back to the topic of this article how big is too big when you start. As a seasoned investor I try to use the crawl, walk, and then sprint system for beginners. As a child you do not just wake up one morning and start to sprint, you crawl for a while get comfortable, then figure out how to balance yourself and then you start to walk, after that you do not immediately start to run, you probably try to take baby steps, then larger step only after you feel comfortable. Well this is the basis of my success for the past 13 years in real estate, when you do not have a solid foundation that you are building on; you will more than likely tumble and fall. Take baby steps, 15-25 units to get your feet wet, build your knowledge of the business, and learn the ins and outs of owning a multi-family building. Then and only then would I advise you to even think about trying to do a large building, of course there are exceptions to every rule. But if you are interested in learning how to turbo-charge your learning curve and maybe skip the crawling portion of this business and go into an all out sprint right away you need to contact The Power to Be Free.
5 Signs Your Real Estate Clients are Stepping Out on You
5 Signs Your Real Estate Clients are Stepping Out on You
by Tina McAllister
Every relationship comes with its risk of someone cheating and the same is true for business relationships. And especially in the real estate business. Real estate clients get cold feet, they change their minds and they get tempted by the larger than life personalities by other agents.
Real estate clients step out on agents all the time. Here are five signs that indicate your client is likely cheating on you:
1. Your real estate clients aren't answering your calls. Almost everyone has caller id. So odds are your real estate client has caller id. You call and they don't pick up. Then you start to realize that they haven't picked up the phone for the past two weeks. You're either picking the worst time to call every single time you dial their phone number, or they're stepping out on you!
2. Your clients aren't returning your voicemails. You've called a couple times to let your real estate clients know what's going on, or to just check in with them. Two voicemails. Maybe you've left a third. And your clients still haven't returned your call. You're getting the silent treatment from your real estate clients and that means they are stepping out on you!
3. Your client lets it slip that she loves those new homes over in that new neighborhood. You've just been given notice that your real estate client has walked through at least one new development. And you know that should your client decide to buy a home there you are completely cut out. Your client stepped out on you and it's not a good feeling, is it?
4. Your client wonders out loud if you are doing everything within your means to sell his home. Then he mentions a specific real estate agent in the area who uses such-and-such technique and perhaps that would work. At the very least, your client has looked at your competition online. But he may have even spoken with that agent, or is seriously contemplating cutting you loose in favor of that other agent. Basically, your real estate client is being straight with you, telling you that he's thinking of stepping out. And that's if he hasn't already...
5. You get the kiss off via email or a voicemail. The kiss off can be a straight-forward "things aren't working out" or more likely, will sound something like "well, we're rethinking things...there's just a lot to think about..." with other similar vague terms and a voice trailing off into silence. Let's face it, clients don't give you the boot without a back-up. When they are serious about buying or selling a property, they want action. They've already been stepping out on you, testing the waters with a different agent.
You can't always prevent a real estate client from cheating. There are just some clients whom you can never please, so they are constantly on the lookout for a "better" agent. But there are some clients you can keep from straying. Provide service that makes it hard for a client to ever look anywhere else. Stay in touch via phone and email. Ask lots of questions to make sure you're on the right track and fulfilling your clients' needs. And make it clear that youe willing to go the extra mile to make your relationship with your real estate client work. Help them feel like your number one priority and ask for their loyalty in return.
by Tina McAllister
Every relationship comes with its risk of someone cheating and the same is true for business relationships. And especially in the real estate business. Real estate clients get cold feet, they change their minds and they get tempted by the larger than life personalities by other agents.
Real estate clients step out on agents all the time. Here are five signs that indicate your client is likely cheating on you:
1. Your real estate clients aren't answering your calls. Almost everyone has caller id. So odds are your real estate client has caller id. You call and they don't pick up. Then you start to realize that they haven't picked up the phone for the past two weeks. You're either picking the worst time to call every single time you dial their phone number, or they're stepping out on you!
2. Your clients aren't returning your voicemails. You've called a couple times to let your real estate clients know what's going on, or to just check in with them. Two voicemails. Maybe you've left a third. And your clients still haven't returned your call. You're getting the silent treatment from your real estate clients and that means they are stepping out on you!
3. Your client lets it slip that she loves those new homes over in that new neighborhood. You've just been given notice that your real estate client has walked through at least one new development. And you know that should your client decide to buy a home there you are completely cut out. Your client stepped out on you and it's not a good feeling, is it?
4. Your client wonders out loud if you are doing everything within your means to sell his home. Then he mentions a specific real estate agent in the area who uses such-and-such technique and perhaps that would work. At the very least, your client has looked at your competition online. But he may have even spoken with that agent, or is seriously contemplating cutting you loose in favor of that other agent. Basically, your real estate client is being straight with you, telling you that he's thinking of stepping out. And that's if he hasn't already...
5. You get the kiss off via email or a voicemail. The kiss off can be a straight-forward "things aren't working out" or more likely, will sound something like "well, we're rethinking things...there's just a lot to think about..." with other similar vague terms and a voice trailing off into silence. Let's face it, clients don't give you the boot without a back-up. When they are serious about buying or selling a property, they want action. They've already been stepping out on you, testing the waters with a different agent.
You can't always prevent a real estate client from cheating. There are just some clients whom you can never please, so they are constantly on the lookout for a "better" agent. But there are some clients you can keep from straying. Provide service that makes it hard for a client to ever look anywhere else. Stay in touch via phone and email. Ask lots of questions to make sure you're on the right track and fulfilling your clients' needs. And make it clear that youe willing to go the extra mile to make your relationship with your real estate client work. Help them feel like your number one priority and ask for their loyalty in return.
Condotels - Real Estate Investing
Condotels - Real Estate Investing
by Beth Collingz
For investment real estate buyers, condotels are good buy to rent property investments. The buyers are investors in hotel-condos, a real estate product that combines the flexibility of ownership of a condo in ahotel setting. Popular in the United States, Europe and the Middle East, hotel-condos are just starting to pop up in the Philippines for the first time.
Unlike simple condominiums -- which owners can use as they please -- hotel-condo units are both investment and residential units that can be used by their owners for up to 30 days per year. The plus is that the owners can invest in real estate while having access to hotel amenities like a spa, gym, room services. The remaining time, the units' owners return the rooms to a rentable pool run by the hotel. As the units are rented out, the owners receive a split of the income. Alternatively, unit owners can live permanently in their suites and enjoy hotel living 365 days a year.
One such project recently announced, with Pacific Concord Properties Inc -- among the first developers to do a hotel-condo in Metro Manila -- submitting plans to build a 42-story twin high-rise at Shaw Boulevard, will be called Lancaster Suites - The Atrium.
The Lancaster Atrium is a twin tower development that sits on a common podium with the Lancaster Suites Tower I, which was sold out in less than 18 months and is part of its hotel-condo program.
Beth Collingz, Marketing director for PLC International Marketing Networks, which is exclusively marketing the Lancaster Suites and Lancaster Ã,Â- The Atrium Hotel Condominiums in Metro Manila, said condotels started appearing on the market following PCPI's launch of the Lancaster Suites back in 2004. Ã,Â"We see a marked increase of interest from buyers who live Europe as well as from corporations looking to invest in Philippine real estate". There have been a plethora of residential properties coming on the market, but not many Condo Hotel developments adding that, "in the currently hot Philippine real estate market no one felt the need to try out a product that had not been tested in the country before."
The market for investment properties has shifted in part because of a booming demand for hotel rooms in Metro Manila and a weak dollar internationally. On a broader scale, baby boomers are retiring and buying second and third homes, and interest in real estate as an investment remains strong, when it comes to the market for hotel-condos, the Lancaster project is attracting international customers familiar with this type of investment opportunity. Collingz said The Lancaster Atrium Tower A development will have 450 hotel-condo rooms and suites, a spa, swimming pool, business center, its own mini mall, shops and convenience stores and several restaurants. The project, located atop a common podium with Lancaster Suites Tower I is only one block from the Ortigas Center, Shangri-La Mall, Edsa Plaza Hotel and SM Mega Mall, will continue construction of its superstructure this year having already completed foundation works and put in place 5-levels of basement parking.
While it is possible to secure easy no prequalification, no down payment 6 year no interest payment plans for the Lancaster Atrium suites, Collingz said that most buyers purchase these properties with a small down payment of some 30% to reduce the monthly payments to around $400 a month for a Studio unit or take advantage of a 20% discount for outright cash purchases.
Unsurprisingly the hotel-condo investment trend in the Philippines will accelerate -- from Metro Manila to other major metropolitan hubs such as Cebu. PCPI's Lancaster Cebu development is already sold out with Condotel operations will commence this March.
PCPI has appointed Lancaster Hotels, Land and Properties, Inc (LHLPI) to oversee the operations, sales and marketing, and asset management of the condotel. Guided with a clear goal of maximizing profitability, LHLPI will spearhead the management of the condotel as well as that of the entire condominium building.
Statistics from the Department of Tourism indicate that the number of tourist arrivals to the Philippines has been consistently growing by double digit percentages for the past three years. In 2005, of the 2.3 million tourist arrivals, 1.7 million visited Cebu. In fact, an additional 40,000 hotel rooms are needed to accommodate the expected five million tourist arrivals by 2010.
The Lancaster brand of Condotel developments further validate the increasing demand for hotel rooms which make us more confident that our market and financial projections will be achieved.
Further info on Lancaster Condotels in the Philippines can be found on the firms website
Beth Collingz- Director PLC International Marketing Networks Pacific Concord Properties Inc., Head Office Shaw Boulevard, Mandaluyong City. Metro Manila. Philippines
by Beth Collingz
For investment real estate buyers, condotels are good buy to rent property investments. The buyers are investors in hotel-condos, a real estate product that combines the flexibility of ownership of a condo in ahotel setting. Popular in the United States, Europe and the Middle East, hotel-condos are just starting to pop up in the Philippines for the first time.
Unlike simple condominiums -- which owners can use as they please -- hotel-condo units are both investment and residential units that can be used by their owners for up to 30 days per year. The plus is that the owners can invest in real estate while having access to hotel amenities like a spa, gym, room services. The remaining time, the units' owners return the rooms to a rentable pool run by the hotel. As the units are rented out, the owners receive a split of the income. Alternatively, unit owners can live permanently in their suites and enjoy hotel living 365 days a year.
One such project recently announced, with Pacific Concord Properties Inc -- among the first developers to do a hotel-condo in Metro Manila -- submitting plans to build a 42-story twin high-rise at Shaw Boulevard, will be called Lancaster Suites - The Atrium.
The Lancaster Atrium is a twin tower development that sits on a common podium with the Lancaster Suites Tower I, which was sold out in less than 18 months and is part of its hotel-condo program.
Beth Collingz, Marketing director for PLC International Marketing Networks, which is exclusively marketing the Lancaster Suites and Lancaster Ã,Â- The Atrium Hotel Condominiums in Metro Manila, said condotels started appearing on the market following PCPI's launch of the Lancaster Suites back in 2004. Ã,Â"We see a marked increase of interest from buyers who live Europe as well as from corporations looking to invest in Philippine real estate". There have been a plethora of residential properties coming on the market, but not many Condo Hotel developments adding that, "in the currently hot Philippine real estate market no one felt the need to try out a product that had not been tested in the country before."
The market for investment properties has shifted in part because of a booming demand for hotel rooms in Metro Manila and a weak dollar internationally. On a broader scale, baby boomers are retiring and buying second and third homes, and interest in real estate as an investment remains strong, when it comes to the market for hotel-condos, the Lancaster project is attracting international customers familiar with this type of investment opportunity. Collingz said The Lancaster Atrium Tower A development will have 450 hotel-condo rooms and suites, a spa, swimming pool, business center, its own mini mall, shops and convenience stores and several restaurants. The project, located atop a common podium with Lancaster Suites Tower I is only one block from the Ortigas Center, Shangri-La Mall, Edsa Plaza Hotel and SM Mega Mall, will continue construction of its superstructure this year having already completed foundation works and put in place 5-levels of basement parking.
While it is possible to secure easy no prequalification, no down payment 6 year no interest payment plans for the Lancaster Atrium suites, Collingz said that most buyers purchase these properties with a small down payment of some 30% to reduce the monthly payments to around $400 a month for a Studio unit or take advantage of a 20% discount for outright cash purchases.
Unsurprisingly the hotel-condo investment trend in the Philippines will accelerate -- from Metro Manila to other major metropolitan hubs such as Cebu. PCPI's Lancaster Cebu development is already sold out with Condotel operations will commence this March.
PCPI has appointed Lancaster Hotels, Land and Properties, Inc (LHLPI) to oversee the operations, sales and marketing, and asset management of the condotel. Guided with a clear goal of maximizing profitability, LHLPI will spearhead the management of the condotel as well as that of the entire condominium building.
Statistics from the Department of Tourism indicate that the number of tourist arrivals to the Philippines has been consistently growing by double digit percentages for the past three years. In 2005, of the 2.3 million tourist arrivals, 1.7 million visited Cebu. In fact, an additional 40,000 hotel rooms are needed to accommodate the expected five million tourist arrivals by 2010.
The Lancaster brand of Condotel developments further validate the increasing demand for hotel rooms which make us more confident that our market and financial projections will be achieved.
Further info on Lancaster Condotels in the Philippines can be found on the firms website
Beth Collingz- Director PLC International Marketing Networks Pacific Concord Properties Inc., Head Office Shaw Boulevard, Mandaluyong City. Metro Manila. Philippines
สมัครสมาชิก:
บทความ (Atom)
.jpg)