Living in North Carolina Needing to Relocate to the Greater-Metro-Atlanta ,Georgia Area? A Must Read! by ForSaleGeorgiaHomes.com

Purchasing a home for some, might be anxiety provoking. Relocating to another state and needing to purchase a home might be even scarier. Yet, with the right guidance like Apex Residential Properties, Inc. relocating to Atlanta and the surrounding areas, and nearby towns can be a smooth and a positive experience for the entire family.
We are a group of Real Estate Advisors and Real Estate Professionals specializing in the relocation process to Georgia. We understand the emotional and the financial impact relocating can have on you and your family. Creating a smooth and a positive transition of the home buying process for those relocating from out of state is our number one goal along with finding a home that is a great deal, has the best value, and is in the top school districts.
Atlanta is the largest and most populous Metropolitan area in the state of Georgia and in the Southeast. It is spread over a few counties: Fulton, Dekalb, Cobb, Gwinnett, Cherokee, Clayton, Douglas, Fayette, Henry and Rockdale counties. It has the fastest growth rate of any southeastern city. It is considered to be a top business and transportation hub. It is the world headquarters of the Coca Cola Company, AT&T Mobility and Delta Air Lines. The surrounding area contains additional corporate headquarters, including Home Depot and UPS. Atlanta has the nation's third largest concentration of Fortune 500 companies and more than 75% of the Fortune 1000 companies have a presence in Atlanta metropolitan area. Hartsfield-Jackson Atlanta International Airport, which is located seven miles south of downtown Atlanta, is the world's busiest airport.
Whether you are relocating for work, school, moving to be closer to family or retiring, we can assist. This service that we provide is free of charge. All it requires is for you to speak to one of our Real Estate professionals to guide you in every step of the way in the home buying process.You can reach us at 770-912-5056, or click on Dream Home Finder to let us know exactly what it is that you are looking for in a home, to enable us to customize a search for you. Or you can click on Georgia MLS Home Search to start the relocation process. You will not be disappointed. Let ForSaleGeorgiaHomes.com help you find your new home. Opportunity knocks......... take the key...... and unlock the door to your family's future!Welcome to Georgia!
With great experience as Real Estate Professionals,we help Home Buyers meet their real estate objectives. We have extensive knowledge of the Metro-Atlanta Area counties and we will work tirelessly on your behalf to make your next home buying experience a pleasant and a successful one because strong negotiation skills, and a commitment to providing excellent service are all crucial elements! So call 770-912-5056 or visit us at www.ForSaleGeorgiaHomes.com Opportunity knocks......open the door! Don't miss out.We service the following areas: Marietta,Atlanta, Buckhead,Dunwoody,Sandy Springs, Roswell, Alpharetta and Duluth,East Cobb, Vinnings, Smyrna, and Kennesaw Suwanee, Peachtree Corners, Norcross, Duluth, Buford, Sugar Hill, Lawrenceville, Sugarloaf, and Lilburn Brookhaven, Decatur, Dunwoody, Morningside,Virginia Highlands.
Article Source: ArticlesBase.com - Living in Charolette,Raleigh-Durham etc... North Carolina and needing to relocate to the Greater Metro-Atlanta, Georgia area?

Real Estate Investment Loans by Gen Wright

The present state of the Canadian economy has made purchasing an investment property a wise choice. Whether or not you've considered investing in real estate before, you might want to think about securing a property of your own.
Why? Investing in property is a great way to hang onto the money that you currently have, with the potential of increasing that investment by a significant amount. In addition, homeowners that want to sell a property quickly will offer buyers a great deal of incentive.
For example, some homeowners will present buyers with a very low price if a property is purchased by a specific date. As the Canadian economy continues to waver, more and more homeowners are likely to offer great deals (similar to the one mentioned above) on fantastic property investments.
The only problem is that seizing an investment property before another investor does is not always easy to do. Aside from offering the right dollar amount, investors must have the necessary funds before making a deal. This way, a deal can be struck almost immediately.
Then again, many first time investors do not have a large amount of loose money available. This is precisely why seasoned investors choose to opt for private loans over traditional loans. A traditional home loan can take many weeks to process, which may mean losing an unbelievable investment deal.
Since investors don't have the time to wait around for a bank loan, they often turn to private companies. Private companies can approve a large loan almost immediately, and the necessary funds are deposited into one's bank account within hours or days.
If you happen to be a first time investor with a bit of investment money, you still might want to think about a private loan. Even if you only have a portion of the funds that you need to invest in a property, you can still benefit from gaining the rest of the money through a private loan. In addition, investors that have recently purchased a home can also benefit from a private loan. In order to "flip" a home, investors will often have to spend some time and money on necessary home repairs. This means that cash flow is entirely necessary.
For a smaller private loan, a car title loan is optimal. If you own your own car, then you can take out a car title loan for the worth of your car. This will allow you to make repairs and adjustments to a new home investment, without waiting around for a bank to approve a loan - this is crucial if you want to sell your new investment right away.
Clearly, when it comes to real estate investments, obtaining a private loan is the way to go. The market is ripe for those that have the cash to invest, but even those that don't have the up-front cash can still invest with the help of a private lender.
Keep your eye on the current Canadian housing market, find that unbelievable deal, gain the funds that you need, and snatch up your dream investment property before someone else does!

Choosing The Right Accountant: How To Avoid The Landmines by Chris Anderson, PhD

Today, a highly qualified accountant is absolutely critical to your business. However, you have don't already have an accountant that you trust, the is incredible array of accountants and firms to choose from -- now the real question for you and your business is who do you trust?
Just to add in a little more confusion, there is a large number of other accounting related companies that would like to get your business as well: companies such as American Express, which are trying to grow their business base by increasing services that it provides to small businesses.
Like many different industries, the accounting business is changing rapidly. Things like tax returns have become highly commoditized with major distinguishing features simply being price..... for many CPA's, that is a tough position to be in.
With all this confusion and noise in the market place, then how do you select the right accountant? Our recommendation is start with the following set of guidelines:
* What is their reputation?: Talk to friends and business associates that have utilized their services.... believe me, they will have an opinion regardless if good or bad. One of the questions to really ping them on is does their accountant work with throughout the year in tax planning or is this just an end of the year relationship?
Another interesting question to ask is if your friends and business associates needed a different accountant, whom would they choose? Believe it or not, a firm's reputation with non-clients can be critically important as well. Generally, people in an area know who has a good reputation but they may, or may not, have been able to switch to use their services.
* Qualifications: Believe it or not, there are some unscrupulous operators out there who did not obtain the right credentials and are not even licensed. Simply do your homework with your state to make sure the CPA that you are considering does not fall in this category.
* Size: One thing to ask yourself is if the 1 v 1 relationship of a small firm is important to you? The good side of this is that the principal of the firm will know your situation inside and out. The bad side of this is that a small firm may not have some of the specialized services you may require now, or in the future. Really, this is a personal choice.
* Specialization: Small firms may not have all of the accounting specialities covered. Today, accounting is a wide profession with a ton of subspecialties. For example, there are some firms that specialize in handling the accounts of businesses involved solely in real estate investing. Some of the tactics employed by these niche firms can be very foreign to a general purpose firm with a small staff.
So, depending upon your exact needs for your business and personal taxes, there is a wide latitude of options available to you. However, no matter who you decide to use, make absolute certain that you ask for referrals and other people that think highly of their services.

2 Things You Must Have to Successfully Sell Your Home by Art Penz

There are a lot of people in this country trying to sell their homes. The inventory of homes and condos for sale across the country is very high due to the collapse of the real estate market. Home owners are desperately trying to sell their home to capture any equity they may have or just get rid of their property because it feels like an albatross hanging around their necks. I see and hear frustration from sellers quite frequently. Their home may be listed with a real estate broker and they cannot understand why it has not sold. There could be several reasons why a home does not sell - overpriced, ugly, bad location, bad Realtor, no marketing, the market is no good, buyers can't get a mortgage, too much deferred maintenance, bad colors, bad floor plan, no buyers, too many sellers etc. If you interview a few Realtors you will probably hear about all of the things that they will do to market your home. They may tell you that need color brochures, a real estate sign, Just Listed cards, a Realtor caravan, listed on several real estate websites, the MLS, virtual tours, high quality photographs, movies, pitched to other Realtors at the sales meeting, cocktail party, email blasts, magazine and newspaper advertising, open houses etc. All of those things are great and can help sell your home. However, all of those things are not needed to sell your home. Most experienced Realtors know this little secret. However, for various reasons, few are willing to talk about it. There are two essential ingredients to selling your home. Can you sell your home without these two things? Sure you can but it is much harder and much more luck is needed. 1) The Right Asking Price I know you have heard this before. It is like a broken record. You hear and read about the need for the right asking price all of the time. Yet, so many sellers still are unrealistic in their asking price. Buyers are driving this real estate market right now. They have control of the car. If you want them to pull over at your house you need to be the most attractive house on the street. The best way to do that is providing better value than your competitors. You cannot open the newspaper or listen to the nightly news without hearing about the real estate collapse. Many homeowners are hurting, especially those who purchased a home at the peak of the market in 2005. Everyone knows someone that has lost money in real estate over the last 4 years. This in conjunction with a bad recession makes today's home buyer very cautious and slow moving. They absolutely do not want to overpay and will not purchase unless they feel very good about their purchase. Occasionally, I do see people who overpay for a property but you cannot rely on those buyers coming around. They are few and far between. If you do not have a realistic asking price you have absolutely shot yourself in the foot. Put yourself in the buyer's shoes and go look at the homes that you are competing with. Be objective. I know that is hard and impossible for some people. Is your house the best deal out there? If you don't think so what makes you think some else will? 2) The Multiple Listing Service (MLS) This is another must have when selling your home. There are a few markets where MILS's are not that used or relied on but for most of the country the MLS is crucial. The MLS is essentially just a central database that Realtors use to find properties. It is the nucleus that makes our real estate system work. I can list a property in our MLS system and immediately have thousands of other agents out there trying to sell my listing in order to earn a commission. If the MLS system did not exist my listing would only be exposed to my buyers and the buyers of agents in my office. My listing stands a much better chance of selling with thousands of agents promoting it to their buyers then just me and my office. The MLS system is the Realtor's single best tool for selling homes. It is the most useful marketing tool that I have to sell Sarasota real estate. Print adverting, highly searched real estate websites, just listed cards, yard signs, open houses nor email blasts come close to being as effective as the MLS. That is why Realtor Associations are so protective of it. Can you sell a home without being listed on the MLS? Sure you can but your chances are much slimmer. Essentially, if you have the right asking price on your home and have it listed in the MLS (assuming the commission you offer Realtors to sell your is the same or better than other listings) you stand an excellent chance of selling your home. There is nothing wrong with the marketing tools previously mentioned but they are not essential. Can I easily sell a home that is not in advertised in a newspaper or magazine? Sure. What about if it is not on a real estate website? Absolutely. Do Just Listed cards really need to be sent out? No. Do open houses sell houses? Yes, but the percentages are very, very small. You can do everything else wrong but two things you must do right is have a good and realistic asking price and have it on the MLS system.

Brian's Theory of Monetary Conservancy by Brian McMorris

Nirav at "LivingOffDividends" just gave me some more grist for my opinion mill. I hope he doesn't mind being my debatee in the Socratic tradition. :)
"LOD" is somewhat Goldbuggish, which is not a scathing criticism. LOD does a great job of exploring various classes of investing and living life. The overall theme and site moniker is an outstanding recommendation. But, while I think gold is a terrific financial asset and has its place in just about any portfolio, one must be careful to advise that people flee to gold because of the prospect of inflation / deflation or everything in between. Gold has lost people a lot of money over the ages. It is a store of wealth, but not much of an investment as it does not grow, or help a business grow. It just sits there like a pretty lump.
Here is the LivingOffDividends post and my rebuttal:
Insurance Company Buys $400 Million in Gold
I just can't let this one pass without a challenge. Sure, money supply has exploded at the Federal level. But it has done so by deliberate effort to replace the value of assets destroyed by the financial crisis and real estate panic. I think a healthy way to look at this is as a transfer of the financial bubble from weak hands to strong hands that can absorb and dissipate the bubble. By the way, this is the same financial bubble that has been traveling through the American economy since the early 1980s, if not before. The private sector seems to be unable to deal with the hot potatoe, so it had to end up in public hands at this point. But as you say, the wealth will gradually be transferred by the Feds back to the private sector over the next 5-10 years.
Once money is created, it cannot be destroyed. It is similar to Einstein's Theory of Relativity and the Conservation of Energy. That theory everyone knows as E=M*C squared. Mass can be transmuted to energy, but it always will exist in one or another form. Money (wealth) is not only preserved over all of time once created, but can be increased by the productive enterprise of humans. Once created, it can be transferred and transmuted into different forms of assets, but it cannot be destroyed (call this "Brian's Theory of Monetary Conservancy").
Consider the history of great civilizations that have risen and fallen. The political structure of those civilizations has ceased and political power has disappeared in the Greek Empire, the Roman Empire (Italy), the Spanish Empire, the British Empire and the Chinese Dynasties. But the wealth created by those political systems has lived on and been passed down over the generations. Even World Wars have proven unable to destroy wealth, as inconceivable as this seems.
I wrote about this idea on my blog back on May 4th. http://wealth-ed.com/2009/05/04/gmo-and-the-persistence-of-stock-market-returns/
I quoted one of the true financial experts of our time, Jeremy Grantham regarding the phenomenon of indestructible wealth:
"The Great Depression is far and away the most striking period on the chart (see linked article for charts). Real GDP fell by 25% from 1929 to 1933, in what was easily the worst economic event to hit the U.S. since the Civil War. But that fall, as extraordinary as it was, was a fall in demand relative to potential GDP, not a fall in the economy's productive capacity, and so the economy eventually (by 1945) got back onto its previous growth trend as if the Depression had never happened."
So, while it is very interesting that a life insurance company has decided to buy some gold to diversify its assets (I am sure a very small percent of its total managed assets), there is nothing about this that should indicate anything significant about gold for the future. Gold is just another class of asset. That is all. It has no special place as compared to other real assets, and it may be less important or significant than assets which have some productive use, like copper or oil.
I also refute the assertion that gold has a use as an asset offering protection when an economy is "weakening". Gold has some short term panic value, as it did last fall. But if it didn't shoot to $2500 an ounce during the worst financial crisis since 1930, then it probably is not even good as an insurance policy during a crisis.
The statement: "CEO Zore believes that the price of gold could double "or even rise fivefold" if the economy continues to weaken.", just tells me that Mr. Zore should not be running a major insurance company. That statement is shear stupidity and shows a lack of financial understanding. Gold might increase by five-fold if the dollar weakens to 20% of its current value. But that is the only way this scenario will play out. For the dollar to weaken in that way, the economy would have to be going strong. We just saw that the dollar STRENGTHENS as a global safety trade when the economy tanks.
Yes, gold will appreciate while the dollar depreciates. It is a fiat currency alternative. That is a given. But while people have been watching gold trade between $900 and $1000 the past 3 months, oil has gone from $30 to $70. So which asset has more potential to protect against inflation while providing investment opportunities?

Learn How To Stop Foreclosure Using The Truth In Lending Act by Michael Redbourn

If you're being threatened with foreclosure, and you want to stop the process almost immediately, and very cheaply, then be aware that you can do so by using the Right Of Rescission, which is a part of the Truth in Lending Act.
Not every kind of mortgage is covered by the act, but if yours is, then read on.
The right of rescission covers home-equity loans, home-equity lines of credit, and refinances of existing mortgages in which the refinancing is done with a lender other than the current mortgagee.
Most people understand the right of rescission to mean that they have a three day cooling off period during which time they can change their mind if they don't like something in the contract, and that is the exact meaning of the law.
What only a few people know however is that there is an 'extended right of rescission' which can last up to three years, if the original paperwork was in some way inaccurate or misleading.
It's estimated that about 95% of loan contracts contain information that can be construed as misleading or inaccurate, but you'll most likely need to have a lawyer, an accountant, or a good real estate agent locate the inaccuracies for you.
As soon as your contract has been checked and some errors found, the next step is to send a Notice of Rescission to the lender.
This action instantly removes all obligations in relation to the loan, and according to federal law the lender has to remove the Trust Deed from the home within 20 days.
Without a trust deed, the lender cannot foreclose the property!
Bingo, and if you think that sounds great, then just get a load of this!
The letter of rescission doesn't just mean that the foreclosure process stops immediately, it also means that the lender is required by federal law to return all monies received in connection with the loan.
"All monies", means exactly that.
All mortgage payments, the original deposit, and closing costs too.
After the borrower receives the money, he or she then has the choice of giving the lender the property, or its reasonable value in cash.
Moreover, the lender is forbidden from adding anything negative to your credit report because the loan and note were rescinded, and this means that you'll most likely be able to get an excellent refinancing deal should you want one.
You can take the cash and use it to buy another property, or finance the house with a new loan,.
If the lender doesn't return the money within twenty days as required by law, and most don't, then they are also required to pay all attorney fees, meaning that the whole process ends up costing you nothing.
Most lenders will resist paying you the money without some kind of fight, but while they're waiting at least several months for the courts, they won't get a dime, and you won't get anything negative on your credit report.
As soon as the notice of rescission is filed, the lender finds himself in an extremely difficult position. He doesn't get mortgage payments, he can't foreclose, can't evict, and if he doesn't return your money, then he'll end up paying all the legal fees too.
In practice, this means that the borrower will be offered all kinds of enticements to try and persuade him to sign a new contract.
A hefty loan modification, a lower interest rate, reduced mortgage payments, a reduction of the principle balance owed, loan reinstatement, the inclusion of loan assumption language, or waiver of 'due on sale' clause.
You'll be truly amazed at what you'll be offered, and instead of being foreclosed, you'll get lots and lots of goodies and choices, just by hiring a lawyer, an accountant, or a good real estate agent for a few hours, and then sending out a notice of remission.

Wildlife Around Arizona by Travis Niblett

Wildlife Around the Phoenix Area If there is one thing the desert is known for besides the extreme heat it is the diverse wildlife. Many different animals live in the desert and heat is their best friend. Whether you are a fan of the desert animals or not, chances are that you will run into some of them, especially if you go out of the city. Hikers, explorers, and random people who go out into the desert encounter these animals every day. This article will name some of the animals that you may find in the desert wilderness, as well as safety precautions for the dangerous ones. If you are looking to find some of the nice animals in the desert then going out into the morning is the best time. Because of the heat, animals tend to rest during the day and come out late at night and stay out until a couple hours after sunrise. During these times you can find such animals as jackrabbits, kangaroo rats, bighorn sheep, and other more dangerous animals such as coyotes, and mountain lions. Coyotes and mountain lions tend to keep to themselves and are probably more scared of you than you are of them. Keeping away and watching from a distance is the best bet when you encounter these animals. If you are a bird lover then the cornucopia of different bird around Phoenix is sure to suit your fancy. Unlike the above animals, birds tend to stay out a little bit later. Of course, they do most their work and are most easily seen in the early morning like every animal. If you know where to look then you can find such birds as cactus wren, quails, or ravens. Even if you do not like birds, you will like some of the more amazing and popular birds such as hawks, roadrunners, owls and even eagles. Birds always tend to keep to themselves and there is generally no worry when coming across these animals. Of course, along with the harmless animals, there are ones that a little bit more dangerous. Snakes are synonymous with the desert and the surrounding areas of Phoenix are no different. diamondbacks and sidewinder snakes can be seen anywhere in the desert. Another common type of animal that can be dangerous are insects. Scorpions are often seen, as well as different types of spiders. Something that is rarely thought about when thinking of dangerous animals is gila monsters. In fact, gila monsters are one of the most dangerous animals in the world, and the only known poisonous lizard in the United States. The most important thing to remember about any of these animals is to stay away. If these animals get close to you then back away very slowly and try not to make sudden movements. Sudden movements would scare these animals and make them attack. All of these animals are a sight to see, and if you live in Phoenix, then it is very worth it to explore the surroundings and look for them. Remember to keep to all safety measures when going out into the desert. Exploring the desert when living in Arizona is only one of the pleasures residents find. Look for your new home or find the right one of the best realtors in the Phoenix area in one of Gilbert's popular areas like Seville at Seville Golf Homes for Sale or in the lake communities of Val Vista Lakes Waterfront Property or the Islands Community at Gilbert AZ Lake Community Real Estate

Job opening in real estate consultants, agents & associates by juls hipolito

job opening for real estate consultants with the following requirements: REAL ESTATE CONSULTANTS
QUALIFICATIONS: - male and female - below 35 years old - college graduate - preferably with sales experience - computer literate, preferably with knowledge in internet selling - personable, with pleasing personality - self-motivated - can work with minimum supervision THE JOB: - to market condominium in Makati, mandaluyong, san juan, cainta, araneta center and house & lot in sta. rosa, laguna WE OFFER: - 10t allowance - 8t Incentive - 3% commission - Training
For interview appointment, please contact: ms. juls hipolito sales manager empire east land holdings, inc. (0917) 978.3077 (02) 557.9931 Or submit your resume' at: julshipolito@gmail.com
EMPIRE EAST LAND HOLDINGS, INC. is the country's top residential condominium developer for the middle income segment. The company was incorporated under the laws of the Philippines and registered with the SEC on July 15, 1994. It is an affiliate of Megaworld Corporation, a corporation listed in the Stock Exchange.
Prior to incorporation, Empire East Land Holdings, Inc. (EELHI) was the Community Housing Division of Megaworld. Currently, the Company is overseeing the development of its township development - Laguna Bel-Air IV and The Cambridge Village, and the management of its completed projects Xavier Hills, California Garden Square,Little Baguio Gardens, Central Business Park, Governors Place, San Francisco Gardens, Gilmore Heights, Kingswood, Pasadena Heights, Greenhills Garden Square and Laguna Bel Air I, II and III. These projects are in various stages of construction, development and marketing.
Projects on its pre-selling stage: Little Baguio Terraces in N. Domingo, San Juan, Pioneer Woodlands in Pioneer St. corner EDSA Mandaluyong, San Lorenzo Place in Chino Roces corner EDSA Makati, and Manhattan Garden Square in Araneta Center. All projects are located very near or directly connected to MRT and LRT stations.