Sabtu, 15 November 2014

simetris design interior

simetris design interior

simetris design interior

Apparently, all Starting from Symmetry
We all can judge a good example of interior design when he saw it, even in a short time. Have you ever wondered why these capabilities seem to come instinctively, even though we are not a professional interior designer?

Apparently, it all started in symmetry, or sense of balance, which is achieved in a space. Symmetrical design cues that are in effect our subconscious, even when the design is not obvious to rated beautiful when we first sight.

All of us are interested in a balanced picture. Why so?

feels familiar

The answer is simple, we are happy in the balance as close to us. When you look at yourself in the mirror, you imagine a line splitting into two right in the middle. Chances are, you will find parts of the body is symmetrical between the right and left.

Because balance is so familiar in our lives, then we make it easier for the brain to process. Interior symmetrical often seen as more calm and peaceful.
When you are designing the interior, and wanted a house as a place to unwind from the outside world, the balance is the key.

Balance, suitable for all forms of

When designing the interior, the balance not only have to refer to a point at its center. It can make you quickly feel bored. Conversely, good interior design can be achieved by several means to achieve symmetrical atmosphere, for example a round table in the dining room or ceramic pattern repetition.

easy to apply

Fortunately, by maintaining a symmetrical design, you do not need to be a professional interior designer to get a beautiful room. You only need to pay attention to the design center points, ie the object element that makes the eyes look directly to it, for example fireplace or cupboard. Elements of this object should be a heavy objects. After determining the center point, you can balance it with a matching sofa.

Suitable in various styles

Usually when someone came to interior designers, personal style into contention. Some people are happy with luxurious interior decoration, while others are consistently interested in more modern aesthetic. It may seem like the two camps are not going to find common ground, but when applying the basic design principles such as balance, needs both automatically fulfilled.

In fact, no room is complete without a symmetrical concentration. Can you describe a room where a sloping painting on the wall? Not mess?

Minggu, 21 September 2014

Designing a house with Polycarbonate Transparent


Designing a house with Polycarbonate Transparent

Appears as a transparent polycarbonate panel frame house that was renovated in Cambridge, Massachusetts, United States. The architect is none other than the Alessandro Armando and Manfredo in Robilant which also features a giant window on wheels.

The involvement of the Italian architect duo partner thanks to a university professor who wants to improve the look and efficiency of heat their homes in the 19th century residential neighborhood near downtown.

"The main task in this renovation was to create a new thing, 'clothes second' home to a significant improvement of the thermal insulation. Structure and proportions of the original 19th century building that still remains. However, the plastic sheeting that covered him have been replaced by aluminum and coupled with isthmus in 1970 this project finally called Home Polycarbonate.

From the aspect of benefits, polycarbonate panels were chosen because they tend to be mild and is crucial for thin structures, as well as a good heat insulator. Polycarbonate will provide in terms of aesthetic beauty.

Polycarbonate material is semi-transparent, so they will make the entire look of the house as well as the structure of the house itself.

Polycarbonate surface creating a reflection of the visual standpoint and also change-change according to light conditions. Behind the thin surface there is an additional layer in the panel that appears useful when structural damage. In this case, the air is able to flow through the distance between the two surfaces to reduce reliance on air conditioning when summer arrives.

One corner of the house facing directly onto the street is equipped with a high window hidden behind the aluminum window. The window includes a grid that obstruct the view into the home while allowing light to enter the interior reach.

An entrance at the side of the house opens into a large atrium. On the back of the atrium there is a mezzanine that provides a view through the upper house.

The ground floor has a living room containing office and there is also a large bookcase that blends with the walls of the house. Other parts of the house, the stairs, the window frame, and the railing is made from mahogany, a wood species that provide a warm contrast to the exterior plastics and aluminum industries.

Kamis, 11 September 2014

The house Future Smart


The house Future Smart
The house Future Smart

At present, the house is not just a place to live, but also a place to learn, exercise, work, and a myriad of other activities. Ironically, the limitations of space and place, need creative ways to accommodate diverse and innovative means and tools that support these activities in the residence.
How the house and everything in it can accommodate all the needs in the activity of the host and hostess. This is a message for the innovators of technology. They are challenged to be able to integrate all of these things so that life becomes easier, especially in the home.

Future home is a home that can adapt to its inhabitants. The house will be more responsive to the needs, better understand what we need and meet it before we ask.

Specifically, that the technology in the home will be more protective, flexible, and responsive to its inhabitants. Called protective because technology should be able to ensure security for the hosts, ranging disruption to air pollution and theft of water.

The house can provide a flexible multifunctional space for occupants, while providing a more spacious space for the residents. Technology creates the flexibility, for example to move the furniture in the house automatically.

The home with a responsive technology will recognize and adapt to the habits and behavior of the host. At this point, the imagination and technological innovation combine to form the findings that are useful for life.

Senin, 18 Agustus 2014

5 Mistakes You Fail to Sell Property Through the "Listing"!


5 Mistakes You Fail to Sell Property Through the "Listing"!
Later, the emergence of millions of new property listings online and have been a challenge for the real estate agent, especially if linked to their performance in order to stand out compared to its competitors. Can not any longer appear to attract potential buyers.

An agent can quickly attract the attention of prospective purchasers or tenants by way of identifying errors in the process of advertising products. They need to better identify and determine the sale value of the property, as well as a clear idea of ​​the characteristics of what type of property such as a quick sale to consumers.

Not hard to do these stages. According Lamudi Indonesia, there are at least 5 most common mistakes made ​​by real estate agents, consider the following before you market your property listing and sales:

1 No or minimal photo

Online property marketing should be visually appealing, while many real estate agents who forgot or did not even include photos of the properties in its listings. This is definitely an interesting way that is not selling. For that, make sure you include at least five different room photo of the property you want to sell high-resolution images to be seen clearly and comfortably.

Lists the images / photos are dim or less opaque lighting and even makes absolutely no prospective buyers are interested to know more about the property.

2 bad grammar

Language plays an important role in the attempted sale of real estate of your product. To that end, be sure to always check spelling and sentence structure of promotion you wish to use before entering your property listings.

Describe the property with an eye-catching phrase. Typically, property listings with an appropriate title would easily attract the attention of more potential buyers. However, avoid the use of words such as, "quick sale," or the like. It is only potentially raises questions for prospective buyers, "Why do you want to sell property fast?".

3 Description of the environment around the property

Do not take this the trivial. Because the property buyers also want to know about the state or condition of real property to be sold. By including facilities available around the property, attention could be achieved would be much more.

Also highlight the advantages of the area, such as the low level of crime is happening or about the population of friendly, dynamic, and diverse. Simply put, be sure to include all environmental assets in the description of the property you want to sell.

4 There was no sign of repair / renovation

House with energy-saving concept that has been renovated or have the possibility of selling faster. Unfortunately, many real estate agents forget or even underestimated this aspect that is sometimes missed to write it in the description.

Yes, you do not hesitate to show the advantages that could make buyers mevisualisasikan in their heads. For example, a house rich with sunlight in the morning or home with the free system of flood prevention or flood.

5.Tak no advantage over

This point is also often escape the attention of real estate agents. If the home has a security system or have household appliances are already insured, and such matters described in the description, it would be very make this property look more attractive. Do not forget, mention all the advantages that the buyers can get to buy the house and do not turn on your competitor's property.

Congratulations to do business!

Minggu, 10 Agustus 2014

Don't Sell Your Property Without It


Don't Sell Your Property Without It

Most people, the prospect of selling their home can be positively daunting. First of all, there are usually plenty of things to do to be ready to be marketed. Besides the traditional clean-up, paint-up, fix-up chores that always end up costing more than you planned, there is always a major concern about how much the market will bear and how much you will eventually end up selling for.

Are you able to get your asking price, or will you have to drop your price to make the deal? After all, your home is a major investment, no doubt a rather large, so when it comes to selling, you want to get your highest possible return. Yet despite the desire of every person to get top dollar for their property, most people are not sure how to go about getting it. However, some savvy sellers have long known little financial technique that has helped them to get top dollar for their property. In fact, on some rare occasions, they even sold their properties for more than they deserve using powerful financing tool. Although that may be the exception, not the rule, you can certainly use this technique to get the most money possible when selling your property.

Seller carry back, or take-back financing, has proven to be a surefire technique for closing deals. Although most people do not think about when it comes to selling a property, they really should consider using it. According to the Federal Reserve, there are currently more than 100 billion dollars a seller carry-back (seller take back) the existing loan. By any standard, that is a lot of money. But most importantly, it is also a clear indication that more people are starting to use seller take back financing techniques because it offers many financial benefits to both sellers and buyers. Basically, seller take back financing is a relatively simple concept. A seller-take back loan is created when a property is sold and the seller performs like a lender by assisting in financing all or part of the total transaction. As a result, the seller is actually lending the buyer a sum of money toward the purchase price, while a traditional mortgage company usually funds the balance of the purchase price. A seller take back a loan secured by the property. The loan then becomes the primary mortgage and is fully secured by the property. In exchange for financing seller take back most, buyers pay off the seller with interest in accordance to mutually agreed terms over a period of time. Typically, the terms require the buyer to send the payments, consisting of principal and interest, on a monthly basis. And this is advantageous because it creates a steady monthly cash flow for the note holder. And if the note holder decides to cash out, he can always sell the note for a lump sum cash payment.

Regardless of market conditions, seller take back financing makes sound financial sense; whereas, it provides both buyer and seller with flexible financing options, makes the property easier to sell at higher price and shortens the sales cycle. It also has the added advantage of being an excellent investment that generates a steady cash flow and high return.

Sabtu, 12 Juli 2014

A Quick Guide To A Quick House Sale


A Quick Guide To A Quick House Sale
Need to sell your house quickly? Put off by the thought of estate agents and viewers tramping through your home? Follow this quick guide to selling your home fast.

There is an alternative to the traditional route when it comes to selling your home. You can use one of the many specialist companies that offer to buy your house so that you’re not at the mercy of a chain, or paying huge fees to agents and solicitors. Here are the steps you need to follow:

1. Decide how quickly you need to sell your home

Most quick sale companies can complete the purchase of your house within just four weeks. If you need to sell sooner than that, just say so; they can normally arrange a quicker purchase. If you’re selling your house because you’re relocating unexpectedly or because you’re in financial difficulty, set a realistic timetable and ask the company if they can keep to it.

2. Decide how much you will accept for your home

You may not get the full open-market price for your property as you would with an estate agent, but you don’t have to pay estate agent fees and the whole process is quicker which means you save on mortgage and bill payments. Look at the current market value of properties like yours in the same area and decide how much you’re willing to accept from a specialist buyer, bearing in mind the other savings you are likely to make.

3. Talk to the companies

Always try to talk to the specialist companies rather than just contacting them over the internet. Talking to them gives you a much better idea about how they approach the sale. You can also take this opportunity to ask any questions about the process and to make sure that you can use your own solicitor to check the contract and that you won’t be asked to commit on the spot.

4. Meet an agent

Most specialist buyers will send someone round to view your house. This allows them to give you an accurate and fair valuation and also gives you the opportunity to ask any further questions.

5. Agree the sale

Once you’ve been given a valuation, you will normally have a set period in which to think about whether you want to agree to the sale. If you decide to go ahead, it’s a good idea to get an independent solicitor to look at the contract before you sign. Make sure you know if there are any additional costs to pay, and when you will receive the money. Also find out when you will be expected to vacate the property and whether the company can help you find other accommodation.

Getting a quick house sale is as easy as these five steps and can be accomplished in as little as 3-4 weeks, making it ideal for people in a wide range of circumstances, including those going through a divorce or bereavement or those who are in financial difficulty.

5 money saving tips when selling your home


selling your home
Your home is undoubtedly the most valuable asset for the vast majority of us and selling it will cost thousands. Using the money saving tips in this article should reduce the cost of moving home.

Estate Agent fees vary, so shopping around and don’t forget to haggle and pay one off against the other. You should aim for 1% commission, also push then to limit the tie-in period to no more than 6 weeks, this gives then enough time to sell the house, but if they can’t you can move to another agent without going “multi-agent” which will increase the fee to about 3%+, a big no-no! Ensure you get a fair valuation, never tell an estate agent what other agencies have valued your house at. They will use this to manipulate its offer, often resulting in wide distortions. 

It is false economy to go for the cheapest solicitors, so get recommendations from all the estate agents you speak to and remember to ask for the name of specific people, rather than just the legal firms. Give them a call and ask what their charges are, also note whether they are they friendly, helpful, and most important efficient? Fees are negotiable so haggle! Play off each one against the other to get yourself the best service at the best price.

Selling you house privately can save thousands. One in twenty vendors are now taking the DIY route which could save you thousands. That is a massive money saving tip, but there are a couple of downsides, basically “time and effort”. You could consider newspaper advertising, flyers and signs. Newspapers usually charge per line or per word so try to keep your advert as brief as possible without making it uninteresting. The simplest way would to sell your house yourself is to use one of the many online house selling service.

Obviously it is best to sell your house when the market is strong and demand is high, so keep an eye on the local property market. Generally, the market tends to be stronger in early and late summer than the rest of the year, so aim to sell your house then. Also avoid completing with your neighbours so if there are already a few “For Sale” signs on your street, it might be better to wait a bit.

Research has shown that a poor presented house can take longer to sell and may reduce the price by thousands. So get your paint brushes out, give your home a lick of paint and finish all of those DIY jobs which are outstanding. Also talk to the estate agent about adding value to your property it maybe worth spending a bit of cash to make some more. However, be careful not to over spend, you might not get your money back, so talk all planned improvements through with your estate agent.

Kamis, 10 Juli 2014

Property Management


property management
The challenges and benefits of property management services

Management is the direction, control, coordination and operation of resources towards specific goals and objectives. Property is something somebody or some entity owns, and may be tangible, such as real property, or intangible, such as a copyright. Typically, property management refers to the management of real property. This includes land, everything on its surface, such as buildings, ponds, streams, the air over it, and what may lie beneath it, such as minerals. It may also refer to personal or movable property, such as tractors, maintenance tools, and the like. The real property may be industrial, commercial, or residential. The activities of management are employed over processes, systems and employees, to facilitate and achieve the purpose for which the real property is used.

Most property requiring management is rented or leased property.  From the owner's point of view, the purpose of the rented or leased property is to generate income. Maximum output is full occupancy by paying tenants at the highest market price. What that price should be is often determined by the owner, but a property management service may provide the data the owner needs to make a sound decision. Property managers may also be given authority to set rent or lease prices in order to remain competitive with the marketplace.

Once rent and lease prices have been set, the property manager will take over operations of the property and obtain tenants. The property manager may be responsible for the marketing of the property, including advertising and promotions. Prospective tenants will contact the property manager, who will show the property and screen the applicants. Generally, the property manager selects the tenants and administers the rental and lease agreements with those selected.

Property management then has the responsibility of collecting rents and handling any collection problems, from late payments to non-payments. In cases of eviction, the property manager will work with the owner's legal counsel. Property managers will be well acquainted with building, health and safety, labor, environmental, and business licensing codes in order to provide a managed real property that meets both its tenant's expectations and those of the law. Property mangers are responsible for the maintenance and repair of the property, as well as its security. Disputes with tenants often revolve around the level or quality of service or maintenance the property managers are providing. The property manager will want to provide the highest quality possible, not only to avoid these disputes, but to establish a quality reputation. The goal of the property manager is to provide a quality product for a fair, but also profitable price.

In addition to handling property and tenants, property managers keep accounts, manage insurance, and make purchases and acquisitions for the property's maintenance. They will also care for the property themselves or contract or employ maintenance and service personnel. Property managers may also be responsible for personnel and payroll.

Property management is a full business concern involving most aspects of business from accounting to marketing. Colleges and universities may offer specialized degrees in the subject. For the small business, a multitude of tools are available, including on-line education, books, as well as Internet sites offering guidance, services, and tools. For those who own property but do not want to, or cannot manage it themselves, a property management firm is your best choice.

Rabu, 09 Juli 2014

5 Ground Rules for Home Buying Success


Home Buying Success
There are few purchases in life that carry the financial and psychological weight of buying a home.  Whether you are buying your first home, moving up to your dream home, or downsizing your home and your life after the kids have gone, it is important to understand the ground rules for success in the world of buying a home.

Making the wrong decision in buying a home can have devastating and long lasting effects, while making a wise decision in home buying can greatly enhance the overall value of the investment.  It is necessary to learn all you can about the world of home buying and mortgages before setting out to purchase the home of your dreams.

While there are plenty of web sites designed to help first time homeowners learn all they can, most financial experts say that there is no substitute for the good old one-on-one learning. Fortunately, most mortgage lenders, home inspectors and real estate agents will be able to provide this kind of one-on-one learning.

When buying a home it is often best to use a systematic approach as this is often the best way to be sure that all decisions are based on information and reason, not on impulse or emotion.  Buying a home can be an emotional process, nevertheless it is imperative to keep your emotions under control and not let them cloud your judgment.

There are five basic ground rules when it comes to buying a home and shopping smart, and they are:

1 – Get your financing before you get your home</b>

There are few things in life as disappointing as losing out on the home of your dreams due to not being able to secure funding.  While the desire to get out there are search for that great home is understandable, it is vital to line up the financing you will need before you start shopping for a home.

Getting the financing ahead of time has a number of important advantages, including knowing how much you can buy and gaining more respect from the listing agents.  By knowing how much home you can afford before you shop you will avoid wasting your time looking at unaffordable properties, and the listing agent will be more than willing to show you the homes in your price range.

It is also important to take a good look at the various types of mortgage on the market before getting started in the home buying process.  These days, mortgages come in far more choices than the typical 15 or 30 year. For that reason, potential home buyers need to understand how each type of mortgage works, and to gauge which mortgage is the best choice for their needs.

2 – Look at the community, not just the home</b>

It is a good idea to look at the entire community, instead of focusing on a single home. This can be a particularly important thing to consider for those moving to a new metropolitan area, as these buyers will be unfamiliar with the local climate and lifestyle.  It is crucial to determine the areas of town that are most desirable, and to consider things like distance from work and local shopping opportunities.

We have all heard that location is the key consideration when it comes to real estate, and that is certainly the case.  Buying a house in the wrong area can be a big mistake, and it is important to choose the location as well as the home.  Potential buyers can learn a great deal about the nature of the various neighborhoods simply by driving around town, as well as by talking to other residents.

3 – Be fair with your first offer</b>

Trying to lowball a seller on the first offer can backfire, as can paying too much. It is important to carefully evaluate the local market, and to compare the asking price of the home with what similar houses in the neighborhood have sold for.

Comparing the sales of comparable homes, what are known as "comps" in the industry, is one of the best ways to determine what is fair, and to make sure that you neither overpay or underbid on the property.

4 – Always get a home inspection</b>

Always investigate the home for any possible defects before making an offer.  Compared to the cost of the average home, the price of a quality home inspection is virtually negligible. Hence, get a good home inspection done before you buy.

To find the best home inspector, it is a good idea to seek out word of mouth referrals as many of the best home inspectors rely on word of mouth advertising.

5 – Do not alienate the sellers of the home</b>

Many real estate deals have fallen apart due to the personal animosity of the buyer and the seller.  It is important to avoid alienating the seller of the home during the process, and to avoid nitpicking every little detail during the sale.

Keeping the good will of the seller will help the transaction go smoothly, and it will provide the best environment for seller and buyer alike.

4 Dangers In Flipping Real Estate


Flipping Real Estate
If you have recently purchased some real estate for investment purposes, you are in good company. Recent reports suggest that as many as 25% of these purchases are made by those who plan on using the property for investment purposes only. If you hope to "flip" the property there are 4 things you must be aware of that can put a crimp on your profits.
1. Property Taxes.</b> Keep the property for a few years and you may experience a surge in property taxes especially if your taxes are reevaluated during that time. Some hot real estate markets have seen taxes nearly double in just 5 or 6 years.
2. Renovation Expenses.</b> You may have purchased a "fixer upper" at a bargain rate. Once your project is complete will you be able to recover the expenses and make a profit especially if the value of your renovated property is above those in your neighborhood? In addition, can you withstand a correction in real estate values?
3. Insurance and Mortgage  Costs.</b> You will pay more for homeowners insurance if you do not occupy the residence and you have tenants. If you are financing the property you know that your mortgage rate is higher as well.
4. Rental Pressures.</b> A market saturated with rentals will mean that the rents you can charge will be less than what you had hoped to receive. In some markets you are required to get special licensing in order to be a landlord. In other markets the legal rights of tenants mean you could have a lengthy and expensive battle in ridding yourself of a bad tenant. Will the lower income levels coupled with the added expenses drag your investment down?

Of course, you can limit your risks [and costs] by doing the majority of the upgrades yourself, appealing excessive property tax increases, and finding for yourself a trusted and dependable tenant. It isn't easy flipping a home, but with a lot of pluck and determination it can result in strong profits for you.

Selasa, 08 Juli 2014

4 Steps To Real Estate Investing Success


Real Estate Investing
Real estate investing is always good and sometimes it's red hot. When it's hot dozens of real estate seminars begin rolling across the country and thousands of people spend thousands of dollars for investing education.

It's startling to learn that of all those thousands of eager folks who attend these seminars only about 5% buy even one investment house. Why? The real estate gurus sell the "sizzle" and make profiting from real estate sound easy. The truth is that it's simple, but not easy.

Here's a quick plan that will enable anyone to begin building financial independence.

There are basically four steps to investing in single family homes:

1. Buy homes below full market value. Yes, people really do sell homes for less than the home's full value. The key is to understand that most home owners will only consider a purchase offer that is all cash and within 5% to 10% of their asking price.

The successful investor learns to find financially distressed home owners who have no choice but to sell for less than market value. They have lost their job or been suddenly transferred; they are divorcing; they been living beyond their income; the family has been overwhelmed with medical bills and, not uncommonly these days, their money has gone to support a drug habit.

Those are examples of motivated sellers. They have to sell and they will accept something other than a conventional, all cash offer.

2. How do you find motivated sellers? You work at it! Like any business it is important to develop a little marketing plan. One that is simple, yet very effective, is the one that was proven 75 years ago by the Fuller Brush company; door to door sales.

You are selling your skill as a home buyer to people who must sell. Your are there when they need you and you have the skill to help them solve at least part of their problem. With door to door prospecting you will learn more and buy more homes quicker than any other method. However, most people just won't walk door to door for three or four hours per week. OK, there are other ways.

You can watch public notices for the announcement of foreclosure sales. Meeting with a home owner right after they've received a notice that they are about to lose their home allows you to deal with a very motivated seller. Other public notices that provide buying opportunities include probate, divorce and bankruptcy. You can follow the Homes For Sale listings in your local newspaper or Internet site.

You can telephone the names found in these notices or, and this is the least time consuming, send a postcard expressing your interest in buying their property. It will produce buying opportunities, just not as many as personal contact.

3. After you've found a motivated seller you must understand how to frame offers that provide benefits for both you and for the home owner. A good real estate investor quickly learns that this is not a business of stealing property, but of solving problems in a way that benefits the seller.

The home owner is in a tight spot of some kind and you can save them from public embarrassment and, in most cases, give them at least a little cash to get a new start.

No investor can afford to leave cash in every deal. No one but Bill Gates has that much available money. You must use creative techniques like, leases, option and taking over mortgage payments. Little or no cash is needed for those deals. You can find plenty of reasonable priced educational material on those subjects in book stores or on EBay. The same education that seminars sell for thousands of dollars.

4. You make your profit when you buy! Never make a purchase until you've carefully determined exactly how you will get to your profit. If you hold it as a long term investment will the monthly rental income more than cover the monthly mortgage payment? Will you sell the deal to another investor for fast cash? Will you do some fix-up and sell the property for full value? Will you quickly trade it for a more desirable property? Have a plan before you buy.

There you have four steps that even a part-time investor can execute in three to four hours per week. What's the missing ingredient? Your determination and perseverance. If you will unfailingly follow the plan for a few months you will be well on your way to financial independence.

Successful real estate investor tips


Successful real estate investor tips
Becoming a successful real estate investor requires being able to find good real estate investment deals and put them together. Your job is not to become an closing attorney, a management expert, or a repair person. Use professionals!

You must learn how to appraise and find the true value of real estate this information will help you make better investment decisions. Realtors, appraisers, and banks determine what a property is worth by looking at comparable sales usually three to five sales of similar property that has recently sold in the same neighborhood. You must be able to do the same.

Getting a list of comparable prices of properties  bought or sold (and when it sold) for the neighborhood you need information about, and asking active real estate investors in your area what the market is like will be helpful and making a better investment decision.                                                                                                                                                                                                             What is the ideal market for investing?
There is no such thing as an ideal real estate market for investing. It tends to be more difficult to find bargains in rising markets if the market keeps rising the probability of selling the property quickly for a large profit increases. In contrast but when property values are falling more bargains become available.

You need to be able to assess the true value of properties based on when you expect to sell. Your purchase must be made at a good enough discount to allow for a profitable sale at a later  date.
Leverage
Leverage is very important for investors because the less cash you put down on each property the more properties you can buy. If the properties go up in value your rate of return goes up. However if the properties go down in value and you have a lot of debt on the property this can result in negative cash flow.

Since real estate is generally cyclical negative cash flow is only a short-term problem and can be handled if you have other income or a cash reserves. This makes "Nothing down" investing very helpful to protect against negative cash flow for high leverage investor.

If you are a long term real estate investor leverage will work in your favor if the markets in which you invest appreciate in the long run and your income from the properties can pay for most of your monthly debt.                                                                                                                                                                                                            Strategies to limit risk
To limit risk become educated in your local real estate market first by understanding the large scale trends from global down to national regional and specific neighborhoods. Learn about target neighborhoods with the help of successful real estate investors in your area along the way.

Real estate investors can help you interpret market indicators such as the average length of time houses have been on the market this month versus last month or last year. With this information it will help you make better investment decisions.
                                                                                                        

Renting Back After Your Home Is Sold


Renting Back After Your Home Is Sold
Sometimes it’s helpful to sell your home before you really want to move. This often happens when you are having a new home built, but aren’t sure of the completion date. Is there any way you can sell your home so you’re sure of the funds available for the new purchase, but continue to live in your old home until construction of the new one is complete. Yes, there is with the renting back strategy.

Enter the Lease-Back or Rent-Back Agreement

The particulars of this strategy vary from state to state, but in the strong seller’s market we’re experiencing, buyers will often agree to let the seller stay in the home for a period of time as long as rent is paid. In a competitive situation, the buyer willing to do this will often have the winning bid even though there is another offer as high as his.

The agreement covering the situation states the length of time the seller will remain.  It can be done with a specific date named or wording that allows the seller to remain up to a specific date with the possibility of her moving sooner. The amount can be a fixed figure paid out of the proceeds of settlement or a monthly amount, or a daily amount. It is usually, but not always, tied to the amount of the mortgage payment under the buyer’s new loan. Sometimes there is a deposit against damage, sometimes not.  There is usually a clause saying the seller will hold the buyer harmless for any damage to himself or his property which occurs after the sale is consummated and before the seller moves.

The attorney who draws up your contract offer can create such an agreement. If you’re using online forms, you should be able to find one for this situation. If you’re working with a real estate broker, he or she can handle it for you.  

An Example

I’ve recently seen a very pleasant example of this idea in action. An elderly widow contracted to have a one level condo unit built in a new community which provides all exterior maintenance. She had had hip replacement surgery and wanted to get away from the drawbacks of the home in which she’d reared her children. The home was large, had stairs and was located on a large, partially wooded lot with many mature perennials and shrubs. Both the home and garden were beautiful, but high maintenance.

Her contract to purchase required a series of deposits and a firm indication as to her source of funds well before settlement on her new condo. The widow put her home on the market. A young couple with two sons was very anxious to buy it. The situation was competitive. They made the widow an offer. She countered their original offer. She did not raise their offer price, which was slightly below her asking price.  She did not believe the young couple would qualify for a larger loan. Instead, she did something rather creative.

The widow countered with a proposal that she “rent back” for a period of “up to” a certain date (a date beyond her scheduled competition date on the condo) in exchange for a modest flat sum to be paid to the buyer at settlement. The total rent back period was less than two months. The flat fee was less than the amount of the new mortgage payment for the buyers. However, since they made no payment on their new mortgage the first month, it wasn’t too far out of line. The couple really wanted the home, so they accepted the counter offer.

Another win, win situation was created. The widow only had to move one time and the young couple got a house they probably wouldn’t have in a straight bidding war. If you find yourself in a situation similar to either the widow or the young couple, perhaps you can work out a similar solution.

Minggu, 06 Juli 2014

The Bold World of Architectural Interior Design


The Bold World of Architectural Interior Design
Furniture and decor have often been lauded as a way to spice up or add chic to the interior of your home. A few extra pieces and a little rearranging can make an old space feel new. However, if you have the resources and the vision, architectural interior design can provide you with a bold new way of reinventing your living space. Perhaps it is not enough to change the contents of that old room. Perhaps now is the time to change the room itself.

There are a couple of ways to use architectural interior design to your advantage. One of the more dramatic steps to take would be to alter the ceiling of your room. This can be done in one of a few different approaches. First, you can take the simple route and put in skylights. The addition to your will increase natural light, and give the room an airy feel. Another option might be to bump the ceiling up. This can be done in a variety of fashions. One option would be take out ceiling panels. These usually drop the ceiling down nearly a foot, and can make a room seem much smaller. If you remove the paneling, and instead, put real or fake beams up to disguise some of the wiring and pipes, you'll add inches to the room and texture and character to the ceiling. Another choice would be actually building on top of the room. This, especially when combined with some form of vaulting, is a form of architectural interior design that gives a dramatic, spacious affect to a room.

However, architectural interior design is not limited to the size and scope of a ceiling. There are other small matters of architecture that can be added to accentuate your living space. An example of this might be moulding. If you surround your doors with a decorative moulding, it gives the room a more regal sensibility. If you add crown moulding to the top of a very basic, simple room, you can make it seem a little smaller and more cozy. If you add baseboards to the bottom edge of a room especially with lighting built in, you can give the room an ambiance it was previously missing.

Another component of architectural interior design might be the type of lighting you choose. Instead of your basic ceiling fan, consider a chandelier. It does not have to be something that you might see in a palace at Versailles. Chandeliers come in all shapes and sizes these day. Some are the traditional crystal designs, but others are much more modern. You might see some with box shaped covers of different shapes and sizes, and others that hold small simple bulbs at different lengths in a random fashion. Regardless, you should be able to find something that suits your needs. The overhead lights are not the only way to go, either. Consider putting in crown moulding lights, which will give a warm glow to a room without the harsh affect of a bright lamp or overhead lighting fixture.

Apartment Listings


Apartment Listings
Ten years ago, if you were looking for a place to live, you’d have to look up the local apartment listings in the phone book or a real estate magazine. Landlords would advertise any private apartment listings by simply putting a ‘for rent’ sign in the front yard. Sure, those methods worked perfectly. In fact, they still do work. It may very well be that the best way to advertise apartment listings is still the old-fashioned way – by putting a sign in a front window or yard. If it is in a highly traveled area, lots of people are going to be exposed to your vacant apartment.

However, when you’re searching for an apartment, you certainly don’t want to rely on simply being in the right place at the right time to see a ‘for rent’ sign. You want to be proactive and search for apartment listings in more modern fashion. Sure, you can open up the phone book. Lots of apartment complexes are advertised in there and you can scan through the many pages until you find the perfect complex. There are tons of advantages to living in an apartment complex. You probably will have a pool or walking trails, maybe even a fitness room for your enjoyment. There may be quite a few perks to living in a community like that. However, for some renters, they don’t want to be able to hear people walking around in the apartment above them. They might not want to have to drive around looking for a parking spot when there are so many tenants in the same complex.

Looking for private apartment listings can be a better find for those who don’t want the close proximity of a million neighbors. Private landlords may be more flexible with their rules and rental fees as well. But, where to find these apartment listings? Why not go with modern day technology and look online for those apartment listings? Craigslist seems to be a site that is quickly gaining more and more popularity with a multitude of for sale items and even apartment listings for rent. You may find more than simply private apartment listings; you might see that some complexes are being listed as well. It is absolutely free to list anything on craigslist, so more and more people and companies are turning to the internet to advertise.

Of course, you might also find some apartment listings in other traditional settings as well – maybe on a grocery store bulletin board. Perhaps your church has a bulletin board or place for free advertising too. Word of mouth can tend to be rather effective as well. Let your friends and family know that you’re looking for an apartment. They may be able to get you in touch with someone who has an available apartment. Practically anywhere you turn – whether it is in a grocery store, in the phone book or on the internet – apartment listings can be found. They may be privately owned and rented or large apartment complexes. The point is, they all need to advertise their vacant apartments and you don’t have to always be in the right place at the right time. You may simply need to be on the internet at just the right moment in order to see the apartment listings.

Minggu, 02 Maret 2014

Buying French Homes


Buying French Homes

The country known as France offers investors a great opportunity to benefit from the ever increasing property values.  France is very fortunate to have a stable housing market, which will continue to stay that way for years and years to come.  The low property prices are always an attraction to the area, with strong growth and prospects to keep the overseas home buyer coming back for more.  For anyone interested in overseas real estate - France offers plenty of benefits.

The property in France is easy to access, with many ways to reach the shores.  In most cases, you can get there easily for a very cheap price.  As many know, France is famous for their transport system, which includes high speed trains that travel to most of the regions.  There are also ferries that cover the area, including low cost flights as well.  Once you buy a home in France, you’ll quickly become accustomed to the lifestyle there.

A lot of people who decide to buy a home in France, do so because of the surroundings.  Buying a home in France is more than just the house, as you’ll get a chance to experience the finer things in life.  France has several romantic attractions, which makes it perfect for married couples looking to spend their life together.  Throw in some great drinks and relaxation, and France has all of your activities covered - along with a beautiful and spectacular house.

Unlike other regions throughout the world, France has one of the most established legal processes, one that has been proven time and time again over the years.  Locals view the legal system as safe, as it helps for those who are interested in French property.  As you can tell, French real estate is very different from that of the United States.

Although there are many locations overseas that you can invest in, France is actually preferred to be one of the best.  France is known as a nation of renters, with plenty of real estate available for purchase.  If you choose to rent out your property, buying in France will pretty much mean that you won’t have any problems renting.  There are always people looking for vacation rentals and such in the area, making it perfect for investors or those looking for a second income.

Unlike other real estate locations, France offers you mountain snow complete with maritime living.  France is a massive region, with plenty of houses to choose from.  If you’ve been looking for overseas real estate, France is a location you can’t go wrong with. There is always something to do here, and plenty of things to see. As a second home or as a way of life - France represents an amazing and cultivating lifestyle that you simply must see to believe.

Kamis, 27 Februari 2014

Defining a Real Estate Team


Defining a Real Estate Team

Finding a place to call home is one of the ultimate goals of anyone who is using the term real estate.  However, actually moving into finding that home includes much more than packing boxes and moving in.  Not only will you have to find a home, but you will also have to find the right resources and people to help you achieve your goal of finding exactly what you want. 

The first person that you will want to include on your team is a real estate agent.  When you are trying to find a real estate agent, you will want to make sure they have the right credentials and understand your goals.  Real estate agents will be the mediators between you and the right home, as well as the other people that will be considered on the list. 

Often times, you will want to find a broker as well as real estate agent, or one who can wear both hats.  Brokers will have the ability to sell you their own properties instead of going through a third person and will also be able to show you what property is available.  This can be an advantage if you want to save money or don't want to deal with a third source. 

After you have examined the various places and are set on investing in a specific place, you will want to begin finding others who will help you with the rest of the process.  Either you or your real estate agent will be responsible for finding an inspector.  The house that you are buying will need to be looked at in order to make sure everything from plumbing to wiring is in the right place. 

The last person that will need to be on the real estate team is a lender.  Often times, lenders will be a bank that works through a lending company.  You will want to make sure that the lenders or the company you are working with understand what type of investment you are trying to make and how this will make a difference in what you are trying to do. 

If you want property, you will also want the right people in the right place to make sure that you achieve your goals.  Finding the above people that will have your best interests in mind can help you to move in faster and more efficient.  By getting the right people in place, you can pack your bags and know that you won't be waiting for a better place to show up next year.

Deciding on the Loan you will Get


Deciding on the Loan you will Get

It isn't always easy to decide which type of loan will benefit you the most.  All of the possibilities that are opened to you are different and will provide you with various benefits.  Before jumping into a loan, you want to make sure that you have evaluated your individual needs.  The main idea behind a loan is to help you financially in more than one way. 

The first consideration to make for a loan is by determining how long you plan to stay in a particular area. If you plan to move after a few years, you want your records from your loan to show that you have invested in the property.  If this is your plan, then getting a loan that allows you to pay unlimited principle while you are there will help to show the benefits.  If you want to stay for a longer term and pay off the home, then finding something like an interest first loan will work better.  With any type of loan, timing is everything. 

The second evaluation that you will need to make with the loan options available to you is with how much you are able to pay each month.  If it is a larger amount, then you might want something that is fixed or more stable.  At the same time, if you are not in a financial position to pay a lot now, but know you will later, you can get something that will increase by percentage rate over time.  If you are in the situation where you expect increased income, you can also consider a balloon, which will have you pay a large amount during the closing of your home.  Determining what is best for you and your financial situation is important when deciding on a loan. 

Of course, a lender will always be available to help you with your concerns and to answer your questions.  Keeping yourself open to options, understanding your financial positioning and evaluating your individual needs can help you to invest your money the right way.  By doing this, you can build your own investments into larger profits over a period of time. 

Senin, 24 Februari 2014

Buying Real Estate for Your Family


Buying Real Estate for Your Family

The very best and most enjoyable reason to purchase real estate by far is in buying a property in which your family will live and grow together. There is a lot of fun involved in finding the perfect place for you and your family to call home. There is also a great deal of stress involved as well and that should not be overlooked.

Some things to keep in mind when searching for the perfect property for your family are the following:

1) Make your first step the step of finding a realtor or buyer's agent that you are confident has your needs, desires, and best interests at heart. Your realtor can prove to be a lifesaver when you've reached the final hours before closing and the sky looks as though it's going to fall. Far more than that though, your realtor can help you find the home that you simply cannot see your family living without.
2) Once you've found a real estate that you trust to help you find a home for your family it is time to identify the things that are absolute necessities in your search and those things you can live without. The most important thing to decide upon is a budget that you are comfortable living with.
3) Once you've established a budget you need to decide the features that are important to meet the needs of your family. The number of bedrooms, bathrooms, square footage, and yard space. Do you need a fenced in yard or a basement? These things are important as they do affect the comfort and in some cases safety of your family.
4) Another important thing that must be considered when purchasing a home for your family is the neighborhood. This is more important than many people may realize. It is well worth having a smaller home in a neighborhood that is poised for growth rather than a larger home in a neighborhood that is in the state of decline or on the verge of the state of decline. Crime rates in the neighborhood and the school district are other things that need to be considered as well before deciding to view a potential home.
5) You should also take the time to look at several properties before deciding on one property over another. The more properties you see, the better the chances are that you will actually find the one perfect property for the needs of your family home. The more homes you see the more you will learn about your likes and dislikes. You will also get ideas about possibilities and things that can be added on to the home you eventually select. Regardless, the more homes you see, the more choices you have when the time comes to make a decision.
6) Never offer the asking price right away. Even if you are willing to pay the full asking price, offer something a little lower and allow some negotiating room. Be sure, if you truly want the house in question not to be insulting with your offer but make the offer just the same. Some things you may want to consider when you make your offer is how quickly you are likely to need a new roof, new flooring, new heating or air conditioning, and countless other improvements that may need to be made on the property. Each of these things costs money and they add up over time. If everything is fairly recent and in good working order you may want to consider that when making your offer as well.

You will find many houses along the way but few will reach out and impress themselves upon you as home. Those are the ones you should consider long and hard. Weigh the options, the prices, and your likes and dislikes. If you do all of this you should be well on your way to the home of your dreams.

Selasa, 18 Februari 2014

Choosing Your Real Estate Appraiser


Choosing Your Real Estate Appraiser

If you have been thinking about purchasing a real estate property for personal use or as an investment, you’ll need to hire the services of a real estate investor.  If you play to finance your home through a bank or other lender, you’ll more than likely need to get the property appraised first.  Banks and most lenders want to know the value of the home for your protection, as well as make sure that the home they are financing is worth the total amount that you take on the loan.

In most cases, the appraisal indicates that the home does indeed meet or exceed the asking price.  In some cases however, the appraisal will come back saying that the home is worth less than the selling price.  If this is the case, the buyer normally has to either drop the deal or try to negotiate with the seller to get a price that meets the appraisal.

For those very reasons, a real estate appraiser is very important.  When you are dealing with a home, one appraisal can make a deal or break it. Even though you may not be financing your purchase through a lender or the bank, you should still make an effort to get the home appraised and find out the true value.  You should also make a point to find the best appraiser that you can afford.  If you hire an appraiser who isn’t that experienced, you’ll pay for it later when you discover that the property isn’t worth what you paid for it.

A real estate appraiser will go through the home performing an evaluation, and then provide you with a written evaluation after he has gathered all necessary information.  Appraisers will also taken into consideration the replacement costs as well.  Also, they will have to very land descriptions as well.  There is a lot of work involved with appraisals, which is why it’s so very important that each step of the process is performed correctly by a qualified real estate appraiser.

If you have a real estate agent, he or she will more than likely be able to make a recommendation.  Keep in mind that this doesn’t mean the recommendation is the best; it’s just someone who your agent works with.  To ensure that you get the right appraisal on your home you’ll need to find yourself an appraiser who is capable of completing the job.

When you look for your real estate appraiser, you should look for someone who comes highly recommended.  You can ask family and friends for their opinions, or search local papers, even the Internet.  If you take your time and search for the best real estate appraiser that you can find – you’ll normally get an appraisal that is right on target.

Senin, 17 Februari 2014

Benefits of Flipping Real Estate


Benefits of Flipping Real Estate

The obvious benefit and sought after benefit of flipping real estate is the profit. This is one incredibly tangible benefit, particularly when the profits are large and quick to come your way. Of course there are risks. Most ventures that offer high profit also come with a high degree of risk. Money, however, is not the only benefit that can be associated with flipping real estate though it is certainly the one on most investors' minds when they get into this line of work.

Let's talk profit first. Profit is the one reason that most people get into this business. The days are long and the work is hard. This is definitely not the type of work one would ordinarily undertake for the simple love of getting one's hands dirty. This is real work that leaves you bone weary at the end of the day. However, when all the work is done and you get around to making the sell, you will find that the profit involved in a successful flip is well worth the effort you've put into the process.

The good news is that the savvy investor can still manage to make money even when the situation may not work out quite as planned. This is yet another benefit to flipping real estate. If the flip doesn't work out, there is always the option of leasing to own the property or renting the property out. The profits in these situations are considerable less than a straight out flip but it can prevent financial ruin that is often the risk of a flip gone wrong. The fact that there are options and that you aren't necessarily left ruined at the end of a bad flip is definitely a benefit. There aren't many types of investments that allow you the option to save yourself the way real estate does.

One of the intangible benefits of flipping houses is that you are in essence working for yourself. In other words you do not have to punch a time clock or worry about overtime (at least not on your part). This can be a bad thing too if you lack the discipline required to get the job done. However, most of us will view this is a huge check in the pros column when deciding whether or not to take the plunge into the wonderful and frightening world of real estate investing.

Even though this is a business that requires a lot of work in order to turn an attractive profit there is some satisfaction at the end of the day involved in knowing that you are working for yourself and not to make someone else wealthy or in order to punch a time clock. That feeling of satisfaction is one that you should hang onto when the brand new toilet you've just installed becomes a geyser. Of course there are mistakes along the way, what other job keeps you on your toes quite like this one?

Real estate investing, house flipping in particular, can be one of the most frustrating types of investments a soul can pursue. At the same time it can also be one of the most rewarding mentally, spiritually, and financially. This is something you should keep in mind when deciding whether or not this is the right path for you.







Are You Committed to Your Real Estate Investment


Are You Committed to Your Real Estate Investment?

There are many questions that should be asked before embarking upon a career of real estate investment. The first and foremost question however should be whether or not you are truly committed to making real estate work for you. This is not a business for the faint of heart. In order to truly turn a profit you must be at times ruthless when dealing with buyers and sellers but ethical to a fault when it comes to the work that must often be done in order to get a property in sellable condition.

The reason a serious commitment is needed in order to make real estate work for you is simple. There will be ups and downs along the way. The stock market experiences rises and falls on a regular basis. Just as you cannot dump all of your stock over one bad day the same holds true even more so in the realm of real estate investing. Property values in general rise gradually over time. This means that even if the values in a community falter chances are that they will eventually recover.

Those who bank on the slow and steady growth in the value are referred to as buy and hold investors. These investors are truly committed to their investment. Some of them elect to hold the property as a vacation property while others opt to earn an income on the property by renting it out to other families or vacationers, whatever their choice may be.

This is a great way for many people to enjoy the luxury of a vacation property without absorbing all of the expenses involved in owning a vacation property as the rentals will help compensate some of the costs when the owners (investors) are not in residence. This is a fairly common practice in high demand tourist areas in which people often enjoy vacationing. These types of investors are what some people refer to as serious real estate investors though all real estate investors need to take their purchases seriously.

Those who own rental properties must also be committed to making their investments work for them. Rental properties are not a 'hands off' type of investment, as they will need to be maintained in order to remain in demand by tenants. You must also make constant efforts to keep these properties managed and filled along with remaining certain that you are collecting your rent each month and that the properties aren't falling into a state of disrepair or abuse by tenants.

Many investors retain the services of property management agencies in order to handle the minutia of month-to-month details and collections. This is a great idea whether you have one lone rental property or a vast portfolio of rental properties. Even better however, is the fact that if you keep your rental properties in reasonable repair throughout the years they can become liquid assets in time. In other words, they may actually pay for themselves a few times over if you invest for the long-term rather than focusing on the moment.

No matter what type of real estate investment you intend to have it is important that you are prepared to make the commitment to profit or profitability that is necessary in order for your venture to be deemed a success.








Sabtu, 08 Februari 2014

Acting Into Appraisals


Acting Into Appraisals

Investments, terms for loans, processes, and other parts of real estate can often be overwhelming to someone who hasn't received a degree in real estate.  If you are looking for definitions and actions behind those definitions, then don't forget about getting the right appraisals.  This will help you if you are looking for the right market for your home.

An appraisal consists of a professional opinion that is made about a property.  Included in this opinion are several factors that allow for this statement to be made.  Overall, the appraisal will lead to the conclusion of what the market value is.  If the market price can not be defined easily, then someone can look at the different parts of the property and determine what they believe the market price should be.  Usually, this will be done by an inspector looking at the various mechanics that may have been swept underneath the rug. 

An appraisal is a necessary requirement when one is looking into selling a home or having the property insured or financed.  It may use several external resources and definitions of what market value may include in relation to the opinion being made in order to determine the price value of a home.  When getting an appraisal, you can expect that the estimates will be based around the various factors that are related to the market at the time.  Instead of just examining the parts of the property, an appraiser will also examine the neighborhood and see what everything else is worth in relation to the property. 

By appraising a property, you will know how much the home is worth in relation to your own needs on the property and in relation to everything around it.  By observing the standards that are set both inside and outside, you will have the ability to know when the timing is right to get involved with your piece of real estate. 

Minggu, 02 Februari 2014

Utilizing a Real Estate Investment for Passive Income


Utilizing a Real Estate Investment for Passive Income

You don't need a million dollars to get a real estate investment and to begin making a living.  In fact, it is real estate that could lead you to getting the million dollars.  If you want to work your way into a residual or passive income from real estate, then following a few specific rules can help you make your investment into your fortune. 

If you are thinking of beginning a real estate investment, you can start by finding one property that only needs a little fixing and can be used for other purposes.  There are several foreclosures and other types of programs, such as rent to own opportunities.  This will give you the ability to make a small investment in order to get a large profit from what you make. 

No matter what type of investment you make, it is only a matter of time before you begin to profit off of the investment.  Any source will tell you that real estate will naturally build wealth over time.  Because the economy and market continues to change and increase, real estate will also continue to increase.  No matter what type of real estate investment you make, you can expect to begin profiting for an income that won't make you work anywhere else. 

When you begin your income, you can begin making a residual or passive income.  This allows you to make money simply by owning property in a variety of places without having to do the work that is involved with the property.  Things such as rental properties can help you to put money in your pocket without you making an effort to go to work. 

If you want a change in pace in your career, then you can begin by investing in a place and beginning to build income off of it.  Real estate investment is a great way to begin putting income in your bank without having to work long hours and labor at a job that doesn't offer as many benefits as the real estate business.