How To Sell A House And Lot

There are times you think you are incompetent doing some things that are not your field or expertise. On this venture you come to prove something to yourself. Selling a property is crucial but if done with proper documentation, legitimacy, good faith and consent of both parties buyer and seller, transaction will complete in due time.

In my own venture, it took around ten months more or less to sell a house and lot of the transfer of property from parents to heirs of a clean title. You can seek the assistance of a broker, a lawyer, or a realty firm, among others, to help you with the processing of papers. Each office takes two, three or a month to stamp approval or release.

In the process of documentation, you need a set of photocopies of applications, receipts, affidavits, claim stubs, and other certificates. Label them in safe folders and keep in a bag so any time an office requires a copy, you have one available. Should a file be lost, certified true copies could be sought from the proper government offices.

Here are three steps from Attorney Glicerio Alarkon Jr. (San Beda College of Law), of whom I sought help for my papers.

„1 Settle the estate tax where the property of the decedent is located at the Bureau of Internal Revenue.

2 Secure a new title under the heirs at the Registry of Deeds or Land Registration Authority.

Before securing a new title under the heirs at the Registry of Deeds, you have to pay the transfer tax at the City Hall.

3 After all these steps, the property is now ready for sale!“

So after the lawyer’s advise, here is how the papers got processed selling a property. To save on brokers fees, I worked on my own selling a house and lot.

Initially, before step one, real property taxes must be paid every year, but if taxes have accrued and the interest charges are onerous, owners can claim and wait for a tax amnesty or pay in installment. Keep real property tax receipts.

In step one, once the estate tax have been paid, the Bureau of Internal Revenue will issue a certificate authorizing registration. From here, you can go step two.

Other documents you may need are publishers affidavit, an extrajudicial settlement of estate, tax account numbers, government identification cards, valid identification cards, and a special power of attorney from the Consulate General of the country where the other heirs reside if the heirs are living abroad. For example, our extrajudicial is from the Consulate General of the Philippines in San Francisco, California, USA. Also, death certificates of parents, and sometimes, birth certificates of heirs from the National Statistics Office have to be prepared. Save some money for notary fees and transportation, among others.

The last step is the Deed of Sale. With this, the seller should pay the capital gains tax. Payment of the property can be made in cash or check. However, verification from the bank is necessary, if payment is in check. You will need a lawyer to help you during this transaction. Also, you will need the bank’s assistance for safety. Should the money be of material amount seek the help of a police officer. Truly, the help of good workers!

Remember a good sale happens in an honest deal! My mission accomplished! Thanks be to God!

Immobilienmakler Heidelberg

Makler Heidelberg

Are You Prepared, To Sell, Your Home?

For a variety of reasons, and purposes, individuals decide, the time, is right, to relocate, and, thus, sell their existing home. How someone might be prepared, often, makes a significant difference, in the entire process, and this preparation must combine, emotional, financial, introspective/ objective, and the ability to listen, to the professional, real estate agent, you choose, and hire. With that in mind, this article will attempt to briefly consider, review, and discuss, some essential components/ necessities, in preparing to sell your home, and end – up, with the best possible results, with a minimum of hassle, and get the best – available price.

1. Why are you moving?: Consider your reasons, personal needs and objectives, priorities, and purposes, in making this important decision. Are you moving, for financial reasons, personal ones, a combination of both, or some other reason? Either way, you should be seeking, obtaining, the highest available price, in the shortest period of time, with a minimum of stress/ hassle!

2. Getting the house ready/ prepared: Begin with reducing clutter, significantly. Decide what you need, and do not, and sort accordingly. Whatever is unnecessary/ needed, proceed to dispose of, either by giving things away to the needy, etc, and/ or throwing – out! With other clutter, box it up, and put it away, into storage. At the same time, consult with a professional, and reduce the amount and type of furniture, so you are staging, for optimum results. Put the excess stuff, temporarily into storage, also. How about the window coverings/ shades? Do they show, your house, to its best advantage? Objectively examine walls and flaws, and enhance, in an inexpensive, cosmetic manner, by shampooing carpets, cleaning and polishing wood flaws, enhancing tile, etc, thoroughly cleaning the entire house, and painting, with neutral colors, in all appropriate, needed areas. Remember, you only get one chance, to make a quality, first impression!

3. Choosing/ hiring the right real estate agent: What do you seek, in your real estate professional? Have a thorough discussion, and interview, several, so you choose, the individual, best – suited, for you, and your needs! Be certain, you’re on the same – page, with the person, you hire! Beware, you need someone, who will explain his pricing philosophy, and why he believes, you need, to price your house right, from the start!

4. Pricing: Don’t be persuaded to price something high, because, in most cases, houses, obtain their best offers, in the first few weeks, after being put, on the marker, so, price it right, from the start! Make your decision, based on, a Competitive Market Analysis (or CMA).

The better you prepare, the easier the process of selling your home, becomes. A wise homeowner, realizes, the house’s value is usually his single – biggest financial asset, so he, proceeds wisely, and using common sense!

Immobilienmakler Heidelberg

Makler Heidelberg

Top 10 Tips For Buying Cheap Textbooks Online

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Buy online, you’ll never go back.

Immobilienmakler Heidelberg

Makler Heidelberg

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

Pluses and Minuses of Owning a German Shorthaired Pointer

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

Pros:

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

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

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

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

Cons:

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

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

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

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

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

Immobilienmakler Heidelberg

Makler Heidelberg

5 Golden Rules of Short Selling Stocks

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

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

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

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

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

Golden Rule # 2, Look for a catalyst.

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

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

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

Golden Rule # 4, Be Contrarian.

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

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

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

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

Immobilienmakler Heidelberg

Makler Heidelberg

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

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

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

In the beginning…

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

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

The „F“ word

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

The lender’s and borrower’s conflicting interests

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

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

The solution

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

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

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

The short sale process

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

Price, Terms and Timing

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

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

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

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

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

Closing Note

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

Update

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

CMA

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

Immobilienmakler Heidelberg

Makler Heidelberg

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

„DON’T FIGHT THE PROBLEM… DECIDE IT“

„George C. Marshall“

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

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

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

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

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

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

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

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

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

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

Immobilienmakler Heidelberg

Makler Heidelberg

5 Helpful Ways to Sell Your House Fast

There can be many different reasons why you would want to sell your house fast. Maybe you’re relocating for a job in a few weeks, and if you don’t sell in that time period you are stuck with it. It could be that you need to free up capital for other ventures or maybe you’re facing a foreclosure so you want to make a quick sale. There are many reasons why somebody would want to sell their house fast, but how? In this post I will give you 5 ways that a homeowner can sell their house fast.

Price low to sell your house fast

One of the fastest ways to sell a house fast is to put the property on sale for less than the market value, people know a good deal when they see one and it won’t be too long before you start getting offers. It’s not uncommon for people who put their houses for sale at the market value to wait several months before a sale is made.

The obvious major drawback to pricing your house low for a fast sale is that you’re not getting the true value for your property, which leads to the next question, are there better ways to sell your house faster than pricing it low?

Get an offer from a local cash home buyer

One of the most effective ways to sell your house fast is to sell it to a local cash home buyer. For one, you don’t need to deal with banks and jump through all their legal paper work then end up waiting weeks, or even months before anything gets signed. Selling to a cash buyer also reduces fees of lawyers, admin fees, and most of all it’s a pretty stress free process as you don’t have to worry if the mortgage for the buyer will be approved, or how well your house will do in the appraisal.

Ultimately selling your house to a local cash home buyer is fastest way to sell your house with the least amount of stressed involved, as most of the variables have been cut out.

Keep it clean

The saying you don’t get a second chance to make a first impression is true when people are viewing your home. When you get potential buyers, ensure the house is immaculate. When people buy a home it’s usually with the idea to live there for many years. By keeping an uncut lawn or not having everything neat and tidy, will leave your buyers with an unappealing opinion of your house.

Think neutral, don’t take any risks with funky colours or décor. Try to make everything look as plain and simple as possible.

Invest in your home

This may sound like a crazy idea to invest money into your house if you’re going to sell it, but just hear me out for a second. Giving your house a new gloss of paint, replacing a few old doors or giving a room a mini makeover can be a smart way to sell your house fast. Making your house ‚ready to move in‘ appeals to a lot of buyers. Buying a house is already stressful and most would rather move into a new home and start enjoying it right away than move in and have to think about what needs to be fixed or replaced.

I don’t advise on installing a new bathroom or getting a fully equipped kitchen installed. Sometimes just replacing the cabinet doors would be a big enough change to give your house a new look without breaking the bank.

Be flexible

If you have found a buyer who wishes to take your home off your hands at a date that is not convenient for you, accepting the offer is a much wiser move than being stubborn. The short term hassle of living at a hotel or a friend’s house for a week or two is going to be much better than waiting months on end to sell your house.

There are many ways to sell your house fast if you’re willing to put in the work and make some sacrifices. If you combine all the methods I’ve suggested today, you will be sure that you will sell your house faster than if you just went to a real estate agent and let them list it for you.

Immobilienmakler Heidelberg

Makler Heidelberg

Der sachkundige Makler: Die Vorteile der Wahl eines Maklers mit einer GRI-Bezeichnung

Der Prozess des Kaufs eines Eigenheims bringt Komplikationen und Stress mit sich, selbst für den gebildetsten und erfahrensten Käufer. Die meisten Immobilientransaktionen können für einen Käufer oft einen emotionalen Tribut bedeuten, insbesondere wenn Familien mit jüngeren Kindern betroffen sind, zusätzlich dazu, dass eine Menge Geld auf dem Spiel steht. Diese Geschäfte sind in der Regel komplex, auch wenn die Wirtschaft einem Käufer mehr Spielraum lässt als üblich.

Warum geben sich dann einige Käufer zum Scheitern hin, indem sie den Immobilienmakler, den sie beauftragen, nicht genauso sorgfältig recherchieren wie die Häuser, die sie kaufen möchten? Es ist möglich, dass sich Käufer in einigen Fällen sogar dafür entscheiden, sich ohne die Hilfe eines Agenten zu vertreten. Das ist kein guter Plan.

Lehnen Sie sich zurück und denken Sie einen Moment nach. Sie könnten zunächst denken, dass es praktisch ist, sich selbst zu vertreten. Sie denken vielleicht auch, dass die Wahl eines Maklers, der weniger Angebote macht, ähnlich ist. Sie haben mehr Geld, das Sie für das Haus Ihrer Wahl ausgeben können, wenn Sie weniger für einen Makler ausgeben, richtig? Es ist technisch gesehen eine genaue Bewertung, aber das bedeutet nicht, dass Sie als ahnungsloser Käufer keinen Bumerang bekommen. Auch wenn Sie sich als Käufer über das Hauskaufgeschäft und die daraus möglicherweise resultierenden Verbindlichkeiten informiert haben, ist es nicht empfehlenswert, sich bei einem Immobiliengeschäft zu vertreten.

Ein Käufer sollte sich bemühen, einen Immobilienmakler mit einer verifizierten Erfolgsbilanz in einem oft aggressiven Immobilienmarkt auszuwählen. Immobilienmakler mit einer GRI-Bezeichnung sollten von Käufern sorgfältig geprüft werden. GRI ist eine national anerkannte Immobilienbezeichnung und steht für Graduate Realtor Institute. Es bedeutet, dass ein Makler, der diese Bezeichnung hat, sowohl professionell ausgebildet wurde als auch ein Top-Performer im Immobiliengeschäft ist.

Es ist ähnlich wie bei einem Buchhalter, der ein CPA ist. Genau wie ein Buchhalter, der versucht, diesen Titel zu erlangen, muss ein Immobilienmakler ein strenges Ausbildungsprogramm absolvieren, das aus mindestens 90 Stunden Live-Unterricht besteht, um eine GRI-Bezeichnung zu erhalten. Dies bedeutet letztendlich, dass die eigene Zeit und das Geld eines GRI-Immobilienmaklers verwendet wurden, um die beste Leistung bei seiner Arbeit zu gewährleisten. Der Vorteil für Sie als Hauskäufer liegt auf der Hand. Es garantiert Ihnen nicht nur, dass der von Ihnen gewählte Makler die Fäden eines komplexen Immobilienmarktes kennt, sondern bietet Ihnen auch Seelenfrieden in einer oft emotional anstrengenden Zeit. Es macht absolut Sinn, nicht wahr?

Immobilienmakler Heidelberg

Makler Heidelberg

Die Bedeutung von Brühen und Saucen

Der große französische Kochmeister Auguste Escoffier schrieb:

„In der Tat ist Brühe alles beim Kochen, zumindest in der französischen Küche. Ohne sie geht nichts. Wenn die Brühe gut ist, bleibt die Arbeit leicht, wenn sie dagegen schlecht oder nur mittelmäßig ist , ist es ziemlich hoffnungslos, auch nur annähernd ein zufriedenstellendes Ergebnis zu erwarten."

Escoffier und andere französische Köche revolutionierten die frühe französische Küche, indem sie eine leichtere und reduziertere Sauce erfanden, eine Variation traditioneller Sahnesaucen, die als Brühe bekannt sind.

Seit dem 16. Jahrhundert werden Brühen zur Zubereitung von Suppen und Soßen verwendet. Brühen sind die Extraktion von Aromen aus Zutaten auf flüssiger Basis. Zu den Zutaten gehören oft Knochen, Gemüse, Kräuter und Gewürze, die in Wasser gekocht werden.

Es gibt einige französische Brühen und Saucen, die traditionell verwendet werden. „Glaces“ sind Brühe, die reduziert wurden, während „Demi-Glace“ noch weiter reduziert wird, um eine dicke braune Sauce zu bilden. Sie werden für zahlreiche Gerichte verwendet, um Geschmack, Textur und Farbe zu intensivieren. Ein 'Jus' ist die natürliche Flüssigkeit, die aus dem Fett eines Bratens gewonnen wird. Ein 'au jus' wird normalerweise aus Brühe und Fleischzutaten zubereitet. Eine „Essenz“ ist das pflanzliche Äquivalent einer Fleischbrühe, die für einen Hauch mehr Geschmack in der Sauce hinzugefügt wird.

Warum sind Aktien so aromatisch? Das Köcheln der Zutaten ermöglicht die Extraktion des Aromas zusätzlich zur Volumenreduzierung – diese Reduzierung konzentriert den Geschmack der Brühe noch mehr.

Folglich sind Brühen und Saucen der Schlüssel zum köstlichen Kochen – und aus anderen Gründen als dem Geschmack. Da sich unsere Wirtschaft immer noch erholt, wissen wir, dass Familien überall lange arbeiten. Das Kochen nahrhafter und sättigender Mahlzeiten kann bei täglichen Aufgaben auf der Strecke bleiben, aber eine volle Vorratskammer mit guten Brühen und Saucen gibt Ihnen die Möglichkeit, schnelle Abendessen im Handumdrehen zuzubereiten.

Immobilienmakler Heidelberg

Makler Heidelberg

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