Oh, the woes of a down economy! Do you shudder when you open your bank statement or dread that trip to the mailbox because you know that it is bound to be full of bills? Hopefully, you've come up with some money saving strategies to get your family through the lean times; or better yet, make everyone feel like things aren't so lean after all.
The great news is that there are definitely some good deals to be had in the worst of times. Whether you are looking for simple strategies to save a few pennies day to day, or ways to save on the biggest deals of all, you can find them. Here are some of my favorite methods to take advantage of the way things are, without whining about it!
Let's start with easy ways to save money on a daily basis. Coupon clipping is a tried and true strategy that savvy shoppers have used for years. You simply can't lose when you walk into a store with a guaranteed discount. The only downside to coupon clipping is that it takes a little bit of time and organization to get the most out of it. You need to commit to sit down with the Sunday paper, or whatever one offers your local coupons, decide where you are going to shop and plan your list carefully. I think it's worth the effort if your family budget is stretched pretty tight to begin with.
The upside of a down economy is that the retailers are hurting as badly as individual consumers and families. Why is that a good thing? It's a good thing because those retailers are so eager to get you into their establishments that they need to offer you great deals. Some of the simplest and best bargains around right now are the BOGO (Buy one, get one free) deals that you are seeing all around.
You can find amazing savings from the places you already shop like Publix, Albertsons, Food Lion, Bi Lo, Kroger, Harris Teeter, Giant Food, Winn Dixie, Walgreens, CVS, Rite-Aid, Long's and Kerr Drug among a ridiculously long list of others. Here's the best part of BOGO deals! You can get weekly BOGO bargains in your local area emailed directly to you. This means no scouring of the newspapers because all the bargains you are looking for are already sitting in your in-box. If there is a coupon involved you can just print it out; however, many BOGOs don't even require a coupon.
Of course, if you're dreaming of bigger deals now is the time to buy real estate at bargain basement prices; even houses have been sold in BOGO deals, but this is rare. Even so, it just goes to show that the sad state of American economics can be put to your advantage in big deals and in smaller ones.
If your focus is on keeping your budget in line, or stretching the family dollar then I definitely recommend one of the first two methods above. The small time investment that you'll put into clipping coupons or checking your email is bound to pay off in savings.
Sunday, June 28, 2009
Thursday, June 25, 2009
How a Realtor Can Help in Selling a Miami Real Estate by Eliza Maledevic Ayson
When it comes to buying a Miami real estate property, you can consider this process as one of the most challenging things that you can try. It can be challenging because you will have to find the actual property that you want while keeping on the budget.
For you to be able to get the property that you want, you should start searching for the various properties available and compare their qualities with your needs. When you are done weighing your options, it is time to make a decision.
However, aside from this decision making aspect of buying a Miami real estate, there are also other things that you will have to do in order to acquire the property. You will need to know the legal process before you can buy a property and there are even more things that you should settle. To assist you out on this, a realtor can be a big help. He can be the one to take care of all the papers that you have to process and he will also be the one to search for the properties that you want.
You should only be ready for the payment for the professional services of a realtor in order to make it easier for you. If you are now convinced that getting a realtor is better for you, then you will still have to find the right realtor that can really help you throughout the process. It is important that you know the realtor and he must be credible enough since you are going to depend your decisions on him. This is why you will also have to filter and check the credibility of the realtor that you will hire. He must have the right experience if you want to ensure that you will get the property that you will really want. Also, he must have the right amount of experience in the market so that you will be sure that he knows the legal matters of the acquisition of a Miami real estate and he knows what must be done.
If you are selling a Miami real estate, a realtor can also help you out on this. He will do the work in selling the property and in finding the right audience who might be interested in the real estate that you are trading. As he is more experienced, he can also be more prepared and knowledgeable than you are. This will be an advantage on your part as you will be more confident with the choices that you will make.
The Miami real estate is a good market to take whether you are buying or selling a property. There are some people who can help you sort things out faster and you can try tapping realtors, agents and the like to make the process faster and to get the desired results easily.
Eliza Maledevic Ayson Miami Real Estate Home
For you to be able to get the property that you want, you should start searching for the various properties available and compare their qualities with your needs. When you are done weighing your options, it is time to make a decision.
However, aside from this decision making aspect of buying a Miami real estate, there are also other things that you will have to do in order to acquire the property. You will need to know the legal process before you can buy a property and there are even more things that you should settle. To assist you out on this, a realtor can be a big help. He can be the one to take care of all the papers that you have to process and he will also be the one to search for the properties that you want.
You should only be ready for the payment for the professional services of a realtor in order to make it easier for you. If you are now convinced that getting a realtor is better for you, then you will still have to find the right realtor that can really help you throughout the process. It is important that you know the realtor and he must be credible enough since you are going to depend your decisions on him. This is why you will also have to filter and check the credibility of the realtor that you will hire. He must have the right experience if you want to ensure that you will get the property that you will really want. Also, he must have the right amount of experience in the market so that you will be sure that he knows the legal matters of the acquisition of a Miami real estate and he knows what must be done.
If you are selling a Miami real estate, a realtor can also help you out on this. He will do the work in selling the property and in finding the right audience who might be interested in the real estate that you are trading. As he is more experienced, he can also be more prepared and knowledgeable than you are. This will be an advantage on your part as you will be more confident with the choices that you will make.
The Miami real estate is a good market to take whether you are buying or selling a property. There are some people who can help you sort things out faster and you can try tapping realtors, agents and the like to make the process faster and to get the desired results easily.
Eliza Maledevic Ayson Miami Real Estate Home
Sunday, June 21, 2009
Getting a Mortgage Pre-approval: Do You Really Need One? by Desmond Primus
Getting a Mortgage Pre-approval: Do You Really Need One?
Some home buyers find the house they want, sign a contract and then look for a mortgage loan. Problem: They find out later that they were declined or only qualify for a much lesser amount for their dream house! The homeowner then promptly rejects their contract. How could this have been avoided? By first getting a Getting a Mortgage Pre-approval. This saves both the homeowner and home buyer a lot of wasted time and money. Many Real Estate Agents now require homebuyers to get pre-approved before helping them shop for a house. Don't confuse being "prequalified" with being "pre-approved".
Prequalification for a mortgage simply means a lender may give you a loan for a set amount, contingent on the lender checking the your credit history, employment history, down payment source, etc. Prequalification doesn't guarantee a loan commitment. In other words, if your "ducks are in a row" they may give you a loan. In contrast, a pre-approval lets the buyer know up to what dollar amount they can receive when shopping for a house. Homeowners will accept a contract offer if a Getting a Mortgage Pre-approval letter is included over a prequalification letter. It's a much stronger offer. With a mortgage pre-approval, the buyer already has gone through the approval process. This gives the homeowner peace of mind, knowing that a buyer can actually buy their home instead of tying up their property for several weeks, only to realize later the buyer can't get financing.
In order to obtain a mortgage pre-approval, a mortgage loan application needs to be completed. Items needed: Bank statements, most recent paycheck stubs and last two years of W-2 tax forms. A credit check is also performed. Once pre-approved, the home buyer should receive a pre-approval letter. This letter is a commitment from the lender to fund a loan for your home purchase. Also, an approval may be contingent on the home appraisal and the homeowner's ability to transfer the title to the buyer. Always make sure the letter is not just a prequalification letter. This has no value when making an offer to buy a home. And lastly, a signed sales agreement must be included to complete the motgage pre-approval process. This agreement must be signed by the homeowner and the home buyer.
Some home buyers find the house they want, sign a contract and then look for a mortgage loan. Problem: They find out later that they were declined or only qualify for a much lesser amount for their dream house! The homeowner then promptly rejects their contract. How could this have been avoided? By first getting a Getting a Mortgage Pre-approval. This saves both the homeowner and home buyer a lot of wasted time and money. Many Real Estate Agents now require homebuyers to get pre-approved before helping them shop for a house. Don't confuse being "prequalified" with being "pre-approved".
Prequalification for a mortgage simply means a lender may give you a loan for a set amount, contingent on the lender checking the your credit history, employment history, down payment source, etc. Prequalification doesn't guarantee a loan commitment. In other words, if your "ducks are in a row" they may give you a loan. In contrast, a pre-approval lets the buyer know up to what dollar amount they can receive when shopping for a house. Homeowners will accept a contract offer if a Getting a Mortgage Pre-approval letter is included over a prequalification letter. It's a much stronger offer. With a mortgage pre-approval, the buyer already has gone through the approval process. This gives the homeowner peace of mind, knowing that a buyer can actually buy their home instead of tying up their property for several weeks, only to realize later the buyer can't get financing.
In order to obtain a mortgage pre-approval, a mortgage loan application needs to be completed. Items needed: Bank statements, most recent paycheck stubs and last two years of W-2 tax forms. A credit check is also performed. Once pre-approved, the home buyer should receive a pre-approval letter. This letter is a commitment from the lender to fund a loan for your home purchase. Also, an approval may be contingent on the home appraisal and the homeowner's ability to transfer the title to the buyer. Always make sure the letter is not just a prequalification letter. This has no value when making an offer to buy a home. And lastly, a signed sales agreement must be included to complete the motgage pre-approval process. This agreement must be signed by the homeowner and the home buyer.
Friday, June 19, 2009
Retirement Investment Challenges -- How to Make Smart Investment Decisions in Difficult Times by Steven Floyd
Where should your money be today? If you're wondering when the economic tide will finally turn, you're not alone. But one thing is certain. Eventually, things will turn around. In the meantime, the question remains where to put your money (and where not to put it) to keep it safe, until the economy improves. Right now, making wise investment decisions is more important than ever, yet wise choices are difficult to come by in our current challenging situation.
None of the usual options, real estate, stocks, auto industry, are safe bets at the moment. Far from it. Real Estate is certainly not the place for your investments. There are simply too many aspects that are not predictable. Depending on location and property, I expect that at least most segments of the real estate market are going to stay in the tank for another year or possibly even two. Here's why:
The housing market depends on people to have jobs to pay their mortgages. There also need to be homes they can actually afford and low interest rates so they can make their payments. Yet with the unemployment numbers being what they are, it may be a while until things are back to normal. The commercial and industrial real estate market is also feeling the pinch, and its recovery will probably take even longer.
But what about the stock market? The stock market has its good and its bad side, and they both have to do with its quick reaction to news and events. Unfortunately, while there's always the chance to make some money if you're lucky, you can lose it just as quickly if you're not. And the market is likely to remain quite volatile for the balance of 2009. There are a few possibilities however: some money can be made in strategically chosen sectors of the global market.
So it's a little too early to jump back into the stock market, especially at 100%. A much safer bet is to keep at least half your normal equity exposure in cash. This is true especially since it's still hard to predict which industry sectors have the potential for medium to long term growth.
Meanwhile, is there is any money to be made in spite of all the challenges? Yes, there is. But it won't happen on autopilot, and it won't happen without putting in some serious work, in order to arrive at the best investment decisions, especially for your specific situation. What it takes is a non-emotional plan based on carefully designed rules. And if you then work that plan, chances are that your money will be safe, and it will also show some growth even in a volatile market.
None of the usual options, real estate, stocks, auto industry, are safe bets at the moment. Far from it. Real Estate is certainly not the place for your investments. There are simply too many aspects that are not predictable. Depending on location and property, I expect that at least most segments of the real estate market are going to stay in the tank for another year or possibly even two. Here's why:
The housing market depends on people to have jobs to pay their mortgages. There also need to be homes they can actually afford and low interest rates so they can make their payments. Yet with the unemployment numbers being what they are, it may be a while until things are back to normal. The commercial and industrial real estate market is also feeling the pinch, and its recovery will probably take even longer.
But what about the stock market? The stock market has its good and its bad side, and they both have to do with its quick reaction to news and events. Unfortunately, while there's always the chance to make some money if you're lucky, you can lose it just as quickly if you're not. And the market is likely to remain quite volatile for the balance of 2009. There are a few possibilities however: some money can be made in strategically chosen sectors of the global market.
So it's a little too early to jump back into the stock market, especially at 100%. A much safer bet is to keep at least half your normal equity exposure in cash. This is true especially since it's still hard to predict which industry sectors have the potential for medium to long term growth.
Meanwhile, is there is any money to be made in spite of all the challenges? Yes, there is. But it won't happen on autopilot, and it won't happen without putting in some serious work, in order to arrive at the best investment decisions, especially for your specific situation. What it takes is a non-emotional plan based on carefully designed rules. And if you then work that plan, chances are that your money will be safe, and it will also show some growth even in a volatile market.
Retirement Investment Challenges -- How to Make Smart Investment Decisions in Difficult Times by Steven Floyd
Where should your money be today? If you're wondering when the economic tide will finally turn, you're not alone. But one thing is certain. Eventually, things will turn around. In the meantime, the question remains where to put your money (and where not to put it) to keep it safe, until the economy improves. Right now, making wise investment decisions is more important than ever, yet wise choices are difficult to come by in our current challenging situation.
None of the usual options, real estate, stocks, auto industry, are safe bets at the moment. Far from it. Real Estate is certainly not the place for your investments. There are simply too many aspects that are not predictable. Depending on location and property, I expect that at least most segments of the real estate market are going to stay in the tank for another year or possibly even two. Here's why:
The housing market depends on people to have jobs to pay their mortgages. There also need to be homes they can actually afford and low interest rates so they can make their payments. Yet with the unemployment numbers being what they are, it may be a while until things are back to normal. The commercial and industrial real estate market is also feeling the pinch, and its recovery will probably take even longer.
But what about the stock market? The stock market has its good and its bad side, and they both have to do with its quick reaction to news and events. Unfortunately, while there's always the chance to make some money if you're lucky, you can lose it just as quickly if you're not. And the market is likely to remain quite volatile for the balance of 2009. There are a few possibilities however: some money can be made in strategically chosen sectors of the global market.
So it's a little too early to jump back into the stock market, especially at 100%. A much safer bet is to keep at least half your normal equity exposure in cash. This is true especially since it's still hard to predict which industry sectors have the potential for medium to long term growth.
Meanwhile, is there is any money to be made in spite of all the challenges? Yes, there is. But it won't happen on autopilot, and it won't happen without putting in some serious work, in order to arrive at the best investment decisions, especially for your specific situation. What it takes is a non-emotional plan based on carefully designed rules. And if you then work that plan, chances are that your money will be safe, and it will also show some growth even in a volatile market.
None of the usual options, real estate, stocks, auto industry, are safe bets at the moment. Far from it. Real Estate is certainly not the place for your investments. There are simply too many aspects that are not predictable. Depending on location and property, I expect that at least most segments of the real estate market are going to stay in the tank for another year or possibly even two. Here's why:
The housing market depends on people to have jobs to pay their mortgages. There also need to be homes they can actually afford and low interest rates so they can make their payments. Yet with the unemployment numbers being what they are, it may be a while until things are back to normal. The commercial and industrial real estate market is also feeling the pinch, and its recovery will probably take even longer.
But what about the stock market? The stock market has its good and its bad side, and they both have to do with its quick reaction to news and events. Unfortunately, while there's always the chance to make some money if you're lucky, you can lose it just as quickly if you're not. And the market is likely to remain quite volatile for the balance of 2009. There are a few possibilities however: some money can be made in strategically chosen sectors of the global market.
So it's a little too early to jump back into the stock market, especially at 100%. A much safer bet is to keep at least half your normal equity exposure in cash. This is true especially since it's still hard to predict which industry sectors have the potential for medium to long term growth.
Meanwhile, is there is any money to be made in spite of all the challenges? Yes, there is. But it won't happen on autopilot, and it won't happen without putting in some serious work, in order to arrive at the best investment decisions, especially for your specific situation. What it takes is a non-emotional plan based on carefully designed rules. And if you then work that plan, chances are that your money will be safe, and it will also show some growth even in a volatile market.
Thursday, June 18, 2009
Consider The ABC Islands In The Caribbean When Buying Your Next Vacation Home by Groshan Fabiola
"ABC islands" is the name for three beautiful Caribbean islands with crystal clear waters and golden sands, Aruba, Bonaire and Curacao. Tourists who visited these islands consider them to be a true breath of fresh air, a welcomed change from the English, French or Hispanic influenced islands in the Caribbean.
The local language is Papiamento which is a mixture of primarily Dutch, Portuguese, Spanish, English and French. While Papiamentu is the language of the locals, most of them can also understand and speak English and Spanish. The locals use Dutch names, and the local currency is the Florin, but dollars are very well accepted too. These three islands' Dutch influence is given by the fact that they are still part of the Dutch Kingdom.
The simple idea of having a vacation home in the Caribbean is seen as a dream. The truth, however is that not all Caribbean properties are worth millions of dollars. If that were true, it would mean that everyone living in the Caribbean would be a millionaire. The truth is that the offers of Caribbean real estate companies hold Caribbean properties from $50,000 to 1M+. So the cost for a Caribbean real estate property with two bedrooms is available anywhere between $100K and $200K.
On the ABC islands, Curacao real estate, Bonaire real estate and Aruba real estate is an entirely different world from what we are used to when it comes to Caribbean real estate, and other dream destinations. The much loved bungalows and villas are available for buy or rent. And, for a perfect summer escapade, you don't need anything more than a bungalow. I guess it all depends, but Curacao properties, Bonaire properties and Aruba properties are available for people from all walks of life. You don't have to be a millionaire to own Caribbean properties on these islands. The prices vary like in every country and every city, so Caribbean real estate offers homes and properties for people with lower financial power and millionaires alike.
Aruba, for example, is considered by some to be dry and flat, but it is far away from any hurricanes, so your holidays are sure to be a success. Aruba has seen quite an increase in tourism and Aruba property purchases, so prices are probably going to increase once this crisis is over. Aruba is generally more popular with people from Europe and North America. Like on Curacao and Bonaire, Aruba property is surrounded by Dutch influences, so these islands hold quite an advantage over other islands in the Caribbean for those that want to escape the normal Anglo-American influence.
Bonaire real estate and Curacao real estate are equally as attractive and popular since many airlines are adding these Caribbean islands to their flight destinations. The bottom line is, if you are thinking of purchasing a Caribbean real estate property at a slightly lower price than average, then the ABC islands might just be perfect for you.
The local language is Papiamento which is a mixture of primarily Dutch, Portuguese, Spanish, English and French. While Papiamentu is the language of the locals, most of them can also understand and speak English and Spanish. The locals use Dutch names, and the local currency is the Florin, but dollars are very well accepted too. These three islands' Dutch influence is given by the fact that they are still part of the Dutch Kingdom.
The simple idea of having a vacation home in the Caribbean is seen as a dream. The truth, however is that not all Caribbean properties are worth millions of dollars. If that were true, it would mean that everyone living in the Caribbean would be a millionaire. The truth is that the offers of Caribbean real estate companies hold Caribbean properties from $50,000 to 1M+. So the cost for a Caribbean real estate property with two bedrooms is available anywhere between $100K and $200K.
On the ABC islands, Curacao real estate, Bonaire real estate and Aruba real estate is an entirely different world from what we are used to when it comes to Caribbean real estate, and other dream destinations. The much loved bungalows and villas are available for buy or rent. And, for a perfect summer escapade, you don't need anything more than a bungalow. I guess it all depends, but Curacao properties, Bonaire properties and Aruba properties are available for people from all walks of life. You don't have to be a millionaire to own Caribbean properties on these islands. The prices vary like in every country and every city, so Caribbean real estate offers homes and properties for people with lower financial power and millionaires alike.
Aruba, for example, is considered by some to be dry and flat, but it is far away from any hurricanes, so your holidays are sure to be a success. Aruba has seen quite an increase in tourism and Aruba property purchases, so prices are probably going to increase once this crisis is over. Aruba is generally more popular with people from Europe and North America. Like on Curacao and Bonaire, Aruba property is surrounded by Dutch influences, so these islands hold quite an advantage over other islands in the Caribbean for those that want to escape the normal Anglo-American influence.
Bonaire real estate and Curacao real estate are equally as attractive and popular since many airlines are adding these Caribbean islands to their flight destinations. The bottom line is, if you are thinking of purchasing a Caribbean real estate property at a slightly lower price than average, then the ABC islands might just be perfect for you.
Tuesday, June 16, 2009
Truck rental and storage companies: Answers to frequently asked questions by smith9520a
Whether you want to move one large item or an entire household full of items, relocating them to a new home or simply into storage, you're going to have a lot of questions. Moving can be tedious, frustrating, and at times back breaking work. It can also be expensive and stressful. If you don't want to contract an expensive moving company to handle your move and choose instead to do it all yourself, there are resources available to help.
How do I choose a truck rental company? For a one way move you're usually better off choosing the largest truck you can afford to assure all of your home furnishings and personal belongings will fit into the truck in a single load and can be transported in a single trip. Most national moving truck rental firms have large vehicles around 24-26 feet long which are capable of carrying the contents of an entire home and can even tow your car behind them.
Cargo vans and pickup trucks - If you don't have a lot of stuff to move or want to sell everything and start all over again, these smaller vehicles are a good option and are also perfect for moving appliances, transporting landscaping materials, or hauling construction items like lumber and sheetrock when doing home improvement projects.
* 10-12 foot trucks - These small trucks get good fuel economy and can house enough stuff to fill a studio or small apartment.
* 14-16 foot trucks - Good for a 1-2 bedroom move.
* 17-20 foot trucks - Good for a 2-3 bedroom move.
* 20-24 foot trucks - Good for a 3-4 bedroom move.
* 26 foot + trucks - Good for a 4+ bedroom move.
Trailers - There are several sizes of trailers which can be used for small local moving jobs or on long trips with only small loads. Specialized trailers are also available for moving entire vehicles and open trailers with ramps and sides can handle ATV's, furniture, boxes or heavy items like big appliances.
Where can I store my stuff? If you're trying to sell your house and buy another one, or if you're changing from a larger to a smaller home, the use of a self storage facility can help make the transition a smooth one. Some truck rental companies have agreements with storage firms or even provide both services for clients, making it easy to coordinate loading and unloading.
What are the benefits of self storage? * Security for all of your belongings, often with features such as gated entry, individual entry codes, flood lighting and video surveillance
* On site resident managers at some facilities
* Protection from the elements in a clean, well maintained, dry storage unit
* Pest and vermin control
* Availability of climate controlled units
* Affordable unit rent with easy terms and conditions
* Flexibility of storage unit sizes and functions
* 24 hour a day access, 7 days per week
* Peace of mind that comes from having someone else care for your items
How can using self storage help me when I'm trying to sell my home? Real estate agents will tell you that the best thing to do in order to help them sell your home is reduce clutter. Prospective home buyers are more likely to place offers on homes that look clean, organized, neat, and tidy.
That's where a self storage facility can help. By taking all of the excess items out of your home before starting the sales process, this unsightly clutter will be out of the way of potential home buyers who tour your home and increase your chances of selling your home quickly.
What kinds of items can I store in self storage? * Clothing
* Furniture
* Antiques
* Collectibles
* Vehicles such as cars, boats, RVs
* Photographs, films, or videos
* Appliances
* Bulky machinery
* Important documents
* Valuables
* Wine collections
What types of items will moving companies or truck rental companies allow me to transport? Moving companies and truck rental companies each carry their own lists of restrictions on which types of items they will or won't allow, so do careful research and ask a lot of questions when developing your relocation plan. Generally explosive items, ammunition, or weapons are not allowed.
What is the best way to find and choose a truck rental or self storage company? To find the right truck rental company for you, consult the yellow pages or the Internet. It's best to stick with nationally known companies to assure that they have the right truck for your needs or can get you the right one from another branch in time for your moving date.
For help with finding an appropriate storage company, use an Internet self storage search engine like Storage Concierge at www.storageconcierge.com. They are a free service and you can search for one near you by city, state, or zip code.
How do I choose a truck rental company? For a one way move you're usually better off choosing the largest truck you can afford to assure all of your home furnishings and personal belongings will fit into the truck in a single load and can be transported in a single trip. Most national moving truck rental firms have large vehicles around 24-26 feet long which are capable of carrying the contents of an entire home and can even tow your car behind them.
Cargo vans and pickup trucks - If you don't have a lot of stuff to move or want to sell everything and start all over again, these smaller vehicles are a good option and are also perfect for moving appliances, transporting landscaping materials, or hauling construction items like lumber and sheetrock when doing home improvement projects.
* 10-12 foot trucks - These small trucks get good fuel economy and can house enough stuff to fill a studio or small apartment.
* 14-16 foot trucks - Good for a 1-2 bedroom move.
* 17-20 foot trucks - Good for a 2-3 bedroom move.
* 20-24 foot trucks - Good for a 3-4 bedroom move.
* 26 foot + trucks - Good for a 4+ bedroom move.
Trailers - There are several sizes of trailers which can be used for small local moving jobs or on long trips with only small loads. Specialized trailers are also available for moving entire vehicles and open trailers with ramps and sides can handle ATV's, furniture, boxes or heavy items like big appliances.
Where can I store my stuff? If you're trying to sell your house and buy another one, or if you're changing from a larger to a smaller home, the use of a self storage facility can help make the transition a smooth one. Some truck rental companies have agreements with storage firms or even provide both services for clients, making it easy to coordinate loading and unloading.
What are the benefits of self storage? * Security for all of your belongings, often with features such as gated entry, individual entry codes, flood lighting and video surveillance
* On site resident managers at some facilities
* Protection from the elements in a clean, well maintained, dry storage unit
* Pest and vermin control
* Availability of climate controlled units
* Affordable unit rent with easy terms and conditions
* Flexibility of storage unit sizes and functions
* 24 hour a day access, 7 days per week
* Peace of mind that comes from having someone else care for your items
How can using self storage help me when I'm trying to sell my home? Real estate agents will tell you that the best thing to do in order to help them sell your home is reduce clutter. Prospective home buyers are more likely to place offers on homes that look clean, organized, neat, and tidy.
That's where a self storage facility can help. By taking all of the excess items out of your home before starting the sales process, this unsightly clutter will be out of the way of potential home buyers who tour your home and increase your chances of selling your home quickly.
What kinds of items can I store in self storage? * Clothing
* Furniture
* Antiques
* Collectibles
* Vehicles such as cars, boats, RVs
* Photographs, films, or videos
* Appliances
* Bulky machinery
* Important documents
* Valuables
* Wine collections
What types of items will moving companies or truck rental companies allow me to transport? Moving companies and truck rental companies each carry their own lists of restrictions on which types of items they will or won't allow, so do careful research and ask a lot of questions when developing your relocation plan. Generally explosive items, ammunition, or weapons are not allowed.
What is the best way to find and choose a truck rental or self storage company? To find the right truck rental company for you, consult the yellow pages or the Internet. It's best to stick with nationally known companies to assure that they have the right truck for your needs or can get you the right one from another branch in time for your moving date.
For help with finding an appropriate storage company, use an Internet self storage search engine like Storage Concierge at www.storageconcierge.com. They are a free service and you can search for one near you by city, state, or zip code.
Wednesday, June 10, 2009
Venture to the world of many Possibilities by Archie Lopez
Philippines is indeed a beautiful country which offers diversity in terms of culture, hence it is tagged as a melting pot of several colorful and unique cultures. Behind the beautiful façade that the country shows are the values and traditions that the people embody. And so the country has been known for the attitude of its people and how they value and take good care of the environment, be it the surroundings or their properties. Philippines is but a perfect place to live in, ideally.
As this thought implies, the known "Pearl of the Orient Seas" is undeniably has characteristics that suits the taste of different races. One proof of this is the booming economy of korean schools where in the teachers are Filipinos and teach Koreans fluent English. This goes to show that the Philippines is one of the good communicators world wide. Another is the food industry where in many restaurant with different types of cuisine is very popular business in the country. The chefs are Filipinos that has diverse knowledge on different food that will cater not only the Global Market but also its local market.
Many other business establishments have been circulating in the country thus giving the government the oppurtunity to have philippines properties for sale . Who would not want to have a hospitable environment and accessibility to different business probabilities? Many people would want to have a successful venture in the business industry thus why not try to buy Philippines properties for sale.
One of the booming business in the Philippines is the tutorial centers wherein great Filipino teachers devote their time to enhance one's ability and boost ones confidence in the academe. A lot of foreigners visit the Philippines and stay here for a long period of time not only because of the tutorial centers but also the low cost of living in the country unlike other countries wherein people have to spend a fortune just to get a good education. Here in the Philippines it is all about quality and philippines properties for sale are of quality in terms of surroundings, people, and view.
Americans, Koreans, Chinese and British have been here in the Philippines and haven't been out eversince. It is because of the satisfaction they get from living in a simple country with big culture and promising future. Why is it a promising future? It is because here in the Philippines you are safe to try and venture in many industries and get a quality of workers and business partners. It is not only helping the ecomony of the country but also have the people employed and in return you get the maximum benefits you could ever have.
Many have gone and stayed in the Philippines and that is enough proof that buying philippines properties for sale is worth it and a great investment for you. Why not try to explore the possibilities and look at the Philippines in the business aspect and you will see that it has the potential to be involved in the global market.
As this thought implies, the known "Pearl of the Orient Seas" is undeniably has characteristics that suits the taste of different races. One proof of this is the booming economy of korean schools where in the teachers are Filipinos and teach Koreans fluent English. This goes to show that the Philippines is one of the good communicators world wide. Another is the food industry where in many restaurant with different types of cuisine is very popular business in the country. The chefs are Filipinos that has diverse knowledge on different food that will cater not only the Global Market but also its local market.
Many other business establishments have been circulating in the country thus giving the government the oppurtunity to have philippines properties for sale . Who would not want to have a hospitable environment and accessibility to different business probabilities? Many people would want to have a successful venture in the business industry thus why not try to buy Philippines properties for sale.
One of the booming business in the Philippines is the tutorial centers wherein great Filipino teachers devote their time to enhance one's ability and boost ones confidence in the academe. A lot of foreigners visit the Philippines and stay here for a long period of time not only because of the tutorial centers but also the low cost of living in the country unlike other countries wherein people have to spend a fortune just to get a good education. Here in the Philippines it is all about quality and philippines properties for sale are of quality in terms of surroundings, people, and view.
Americans, Koreans, Chinese and British have been here in the Philippines and haven't been out eversince. It is because of the satisfaction they get from living in a simple country with big culture and promising future. Why is it a promising future? It is because here in the Philippines you are safe to try and venture in many industries and get a quality of workers and business partners. It is not only helping the ecomony of the country but also have the people employed and in return you get the maximum benefits you could ever have.
Many have gone and stayed in the Philippines and that is enough proof that buying philippines properties for sale is worth it and a great investment for you. Why not try to explore the possibilities and look at the Philippines in the business aspect and you will see that it has the potential to be involved in the global market.
Monday, June 8, 2009
Dealing with Real Estate Agents by Kelly
If we look back in the history we see that the real estate agents have represented the seller of a property. The seller, after all, is usually the one who pays their commission, and agents therefore have a fiduciary relationship with the seller. This in no way means that agents may operate outside the bounds of the law and ethical conduct of course. It just means that the real estate agent is just that, an authorized agent of the seller for a particular transaction. Another way to get an agent to take you seriously is to offer a fast closing. Nothing makes an agent salivate more than the thought of a commission check in ten days
More recent trends have introduced buyer's agents, who usually work on a fee basis exclusively for the buyer and the agents. Agents represent both seller and buyer, particularly in cases where the agent's company is the listing company. The higher the price, the higher their commission, so their reasoning is that agents never really have the buyer's best interests at heart. Sometimes you will get the opposite of an uncooperative agent - an overzealous agent. Be suspicious of an agent who tells you what a deal you are getting on a property. If it is such a good deal, why didn't he buy it? Don't take his word as to the value. Ask for a printout of comparable sales . Be aware that information contained in the MLS computer was entered by the listing broker and may be exaggerated. If a comparable sale shows the same square footage as the house you are looking at, take a drive by and see if it is accurate. Do your own assessment of value.
If you cannot finesse an agent, don't be afraid to stand up to him. Some agents are unethical and will refuse to present your offer.The bottom line in dealing with a dual agent is to remember that the buyer and seller have conflicting interests in the price and other terms of the sale. It's very difficult for an agent to truly and equally represent both parties, since the conflicting interests make that inherently impossible. If you do choose to use an agent, be sure the exact nature of your relationship with the agent is clear, know what services the agent will be performing for you during the transaction, how the agent will be paid, and how any conflicts that arise will be handled.
More recent trends have introduced buyer's agents, who usually work on a fee basis exclusively for the buyer and the agents. Agents represent both seller and buyer, particularly in cases where the agent's company is the listing company. The higher the price, the higher their commission, so their reasoning is that agents never really have the buyer's best interests at heart. Sometimes you will get the opposite of an uncooperative agent - an overzealous agent. Be suspicious of an agent who tells you what a deal you are getting on a property. If it is such a good deal, why didn't he buy it? Don't take his word as to the value. Ask for a printout of comparable sales . Be aware that information contained in the MLS computer was entered by the listing broker and may be exaggerated. If a comparable sale shows the same square footage as the house you are looking at, take a drive by and see if it is accurate. Do your own assessment of value.
If you cannot finesse an agent, don't be afraid to stand up to him. Some agents are unethical and will refuse to present your offer.The bottom line in dealing with a dual agent is to remember that the buyer and seller have conflicting interests in the price and other terms of the sale. It's very difficult for an agent to truly and equally represent both parties, since the conflicting interests make that inherently impossible. If you do choose to use an agent, be sure the exact nature of your relationship with the agent is clear, know what services the agent will be performing for you during the transaction, how the agent will be paid, and how any conflicts that arise will be handled.
Wednesday, June 3, 2009
Surfside Beach Real Estate by Maxim Model Jody Palmer
The quiet charm of the Surfside Beach community is very inviting. Not only for families, as the town is known for being a family oriented beach, but also individuals who want to experience wholesome and relaxing fun.
Surfside beach is located in Horry County, South Carolina. It is in the northeast area of South Carolina, south of Myrtle Beach. It is known to most as Family Beach because of the wholesome appeal of the area. This wholesome and majestic appeal is the reason why many families are considering Surfside Beach real estate.
Surfside beach homes would then be one of the best investments one could lay down as the Surfside beach community is known for their two mile stretch of pristine white sand. The magic being offered by Surfside is simple: you have a quiet, family community; a community made to be perfect for those who want a simple and quiet life, perfect for those who desire quiet commune with nature and a peaceful community.
For those who want to stake a claim on Surfside Beach real estate, one of the draws is the town's proximity to South Carolina's Seafood Capital--Murrells Inlet further cementing the family appeal which the town is known for.
Whether the Surfside Beach real estate is for temporary and occasional vacation, for permanent residence, or for a second home, one will surely find that Surfside Beach real estate will prove to be a very good investment. For the families who already have Surfside Beach homes, they will surely tell you that working and living here feels like paradise.
Surfside beach is located in Horry County, South Carolina. It is in the northeast area of South Carolina, south of Myrtle Beach. It is known to most as Family Beach because of the wholesome appeal of the area. This wholesome and majestic appeal is the reason why many families are considering Surfside Beach real estate.
Surfside beach homes would then be one of the best investments one could lay down as the Surfside beach community is known for their two mile stretch of pristine white sand. The magic being offered by Surfside is simple: you have a quiet, family community; a community made to be perfect for those who want a simple and quiet life, perfect for those who desire quiet commune with nature and a peaceful community.
For those who want to stake a claim on Surfside Beach real estate, one of the draws is the town's proximity to South Carolina's Seafood Capital--Murrells Inlet further cementing the family appeal which the town is known for.
Whether the Surfside Beach real estate is for temporary and occasional vacation, for permanent residence, or for a second home, one will surely find that Surfside Beach real estate will prove to be a very good investment. For the families who already have Surfside Beach homes, they will surely tell you that working and living here feels like paradise.
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