Actual for You - Real Estate

Why Being Aggressive Won't Get You Sales
When people are asked to think of less than successful salesman, one of the unpleasant characteristics that springs to mind is them being pushy or aggressive.The usual memory is of looking for a new car or used car! We have all had experiences when the salesman hasn’t stopped talking and you sense yourself being pushed to say ‘yes’. You find yourself signing on the dotted line!Too many business owners, when presenting their sales pitch don’t think about whether their style could be perceived as pushy or aggressive, and don’t realise what they could be losing. In this article we are going to look at exactly what being pushy or aggressive looks like and how it can damage building long term relationships (which is what selling should be about).Being pushy, whether intentionally or unintentionally, can be the ruin of a salesperson. Luckily we are all individuals, so we have a different ‘pain’ threshold where pushy salesmen are concerned; some people will shrug it off, others will feel intimidated. But what defines ‘pushy’?To ‘push’ something is the act of exerting force on one object in order to move it from one place to another. When you push an object, its weight responds as resistance and to overcome this you have to push harder. To fulfil the act of pushing you have to expend effort, but when strong enough, resistance can prevent you from moving forward.Looking at the preceding words again, but re-framing them in a sales context, you can quickly see what being pushy is – forcing your will onto the buyer, countering resistance with more force, using effort to get a result. This is not how to make a sale or encourage someone to buy from you again! You must always remember that a customer is with you because he wants to be there – he can

st of the most important negotiable items found in a standard offer:

1. Price – how much the buyer is offering the seller for the property. Obviously this is probably the biggest factor in the entire offer, but all the other negotiable items interact with the price. A “full price” offer can end up not so fully priced if the buyer is asking the seller to concede thousands of dollars elsewhere.

2. Financing – how the buyer is planning to pay for the property. Will he be paying cash or borrowing the money. There is a myth that cash offers are better for the seller than financed de

What’s In A Name? A Quick Guide to Naming Your Business, Product, Book or Service
Before you get attached to the brilliant name you’ve just created, there are some important places to check so you won’t be disappointed. Even worse, so you don’t run into some legal hassles down the road. It’s important to be clear in your product branding and marketing. A confused customer doesn’t buy.Here are 3 essential places to search before you sign on the dotted line:1. Domain Names. Make sure you check to see if your chosen name has been registered by someone else. It isn’t the end of the world if someone has your .com, but you want to make sure your market won’t be confused by the .com website. Owning a domain name doesn’t give you any legal rights, so don’t be confused. A great resource is www.godaddy.com2. Trademark Search. You’ll want to do a trademark search on your desired name. It’s easy to do, but not necessarily quick, depending on the name. You can do the search at www.uspto.gov Click on the Trademark link on the left side of the page and then the search button. Use the new user search and put in all the words of your name. For your first search, use “and” in the search term box (3rd box down) to see if someone has a trademark on your desired name. Then do a search for “or”. You’ll see a lot more responses. Take the time to go through all the responses to see if there is a conflict with the name you’ve chosen. A trademark is the only way to protect the intellectual property of your name, so if it will extend your company’s visibility or brand, you may want to consider securing the trademark.3. Corporate or Business Name in Your State. Contact the Secretary of State’s office and see if anyone is using the name in business. Many states have a website where you can

You finally did it, you found the home of your dreams. Since you’ve already shopped around and pre-qualified, you know that you can afford it and approximately what the payments will be and how much money you’ll need to bring to closing. Now you’re ready to make an offer. Many first time homebuyers have no idea how this is actually done. Often, buyers call in on a property and ask the agent to make a verbal offer to the seller. Usually this is an extremely low, often ridiculous offer, referred to as a “lowball” offer. More on lowball offers later, let’s look at why verbal offers are shunned by agents and sellers. In Texas, offers are formally made by filling out a contract, specifically a One to Four Family Residential Contract (Resale). This contract is a legally binding document (when signed by all parties) and specifies the details of the offer. These forms once were about a page in length but have grown into an 8 page tree killer. Most of the contract is standard legalese and is about as interesting reading as the table of contents of a calculus textbook, in Chinese. Your agent can explain what this lawyer secret code means in general terms but you should ask an attorney for a more detailed explanation.

There are several places in the contract that are what are referred to as negotiable items. These spots on the contract are easy to find because there are either fill-in-the-blank spots or checkboxes or a combination of the two. Some of the blanks are for things like the seller and buyer names, and the address and such but the negotiable ones are the things that the entire deal hinges upon. In a particular real estate market some of these negotiable items are customarily paid for by the buyer and others by the seller but they are still negotiable. These can vary greatly from region to region. For example, in Waco, buyers customarily pay for a survey if their lender requires one (they usually do). Sellers customarily pay for title insurance since they are guaranteeing that they have the right to sell the property (title insurance protects the buyer against ownership claims from third parties). It is important to know the customs of your local market since an offer that is presented asking the seller to pay for something he wasn’t expecting to, may be met with a great deal of resistance. However, other terms of the offer may make the seller more amenable.

Here is a list of the most important negotiable items found in a standard offer:

2. Financing – how the buyer is planning to pay for the property. Will he be paying cash or borrowing the money. There is a myth that cash offers are better for the seller than financed dea

Durham, NC: A Center Of Learning
Durham offers a lot of activities for visitors and residents to do. There are about a quarter of a million people who currently reside in Durham with around 5 million people who visit annually. Currently Durham is considered one of the centers for learning in North Carolina.Durham has very good colleges which take up residence there. Currently Duke University takes up residence in Durham. This college is known throughout the world and is considered a very good college. This helps attract a younger crowd to Durham and helps bring arts and culture to the community. It also brings about a good education and keeps a lot of the kids in town.The other college in Durham is the North Carolina Central University. This isn’t as world renowned as Duke but it does provide a good education and helps bring more jobs and culture to the community.Both colleges have their own art museums. They both have reasonable admissions fees and can help you experience some of the culture that is located inside Durham.There is an abundant supply of sports to choose from in Durham. You can go watch a local football, baseball, or basketball game at one of the colleges when they are playing or visit some of the local golf courses for some fun on the green.Parks can be found where you can go to throw a frisbee or just let the kids play. This allows you to have a nice relaxing evening and get out of the house. There are also trails and nature walks in and around Durham for people who wish to explore nature.Durham is a great city for any tourist or resident who wishes to have some fun with their life. There is a lot that is offered to all types of people and you can never run out of things to do. So, if you’re seeking a great place to live, check ou

nts and sellers. In Texas, offers are formally made by filling out a contract, specifically a One to Four Family Residential Contract (Resale). This contract is a legally binding document (when signed by all parties) and specifies the details of the offer. These forms once were about a page in length but have grown into an 8 page tree killer. Most of the contract is standard legalese and is about as interesting reading as the table of contents of a calculus textbook, in Chinese. Your agent can explain what this lawyer secret code means in general terms but you should ask an attorney for a more detailed explanation.

Here is a list of the most important negotiable items found in a standard offer:

2. Financing – how the buyer is planning to pay for the property. Will he be paying cash or borrowing the money. There is a myth that cash offers are better for the seller than financed de

How to Run a Family-Owned Business: Management Tips
Just like being the CEO of a Fortune 500 company, running a family-owned business is about good management and leadership. They face the many of the same issues as any other company, as well as some the average business mogul never thought of; it can be a bit difficult to reconcile managerial roles to family dynamics. You need to work together with other members of your family and run the business professionally in order for it to succeed.Leadership vs. Management:Simply put, leadership is about vision and management is about turning the vision into reality. Leaders motivate people through their vision, while a manager’s job is to take care of the practical details of achieving that goal. Managers need to be on the spot, taking care of little details, getting day-to-day problems sorted out, and ensuring the smooth operation of their department.Family-Owned Businesses: Issues. The major issues in family-owned businesses are about conflicting family dynamics and how it affects the business hierarchy. Some of the questions and issues that may arise in the family-owned business include:1) Which family members will be part of the business?2) What will be the role of the members who do not join the business?3) How to manage the differing roles at home and the workplace?4) Voting share is a prickly issue; a majority voting system can cause a great deal of heartburn for certain family members.5) Try not to make business discussions a part of conversations at home, as family members who are not involved in the business may feel left out.6) Since managerial skills do not come as naturally as family relationships, they need to be learned. You must invest in training people at the top for their roles in your family-ow

ed explanation.

Here is a list of the most important negotiable items found in a standard offer:

2. Financing – how the buyer is planning to pay for the property. Will he be paying cash or borrowing the money. There is a myth that cash offers are better for the seller than financed de

Bond Yield - Understanding Yield
What is the yield on this bond? When an investor asks that question, the answer will depend on what he or she is really asking. If you are looking for high bond yields, you are most likely looking for the highest yield to maturity. If you are looking for the highest interest payments, then you are seeking a high nominal yield or coupon rate.Nominal YieldWhen a bond is issued or first comes to market, it is issued with a fixed interest rate on the bond. This is known as the nominal yield. The interest that is paid to the bond holder is this rate paid to par value (the amount of bonds the investor owns). If an investor buys 10 bonds worth $10,000 par at a nominal yield or rate of 6%, they will get 6% of $10,000 per year. If the bond was not bought at a premium or discount, the overall yield to maturity would be 6%. If the bond was bought at a different price, the YTM could be lower or high than 6%.The nominal yield or coupon rate is fixed and never changes and is paid to par only. If that same bond discussed above was bought for $10,200 (a $200 premium), the investor will still only earn 6% of $10,000. It is important to understand that your overall rate of return could be less than the coupon rate if the bond was purchased at a premium. It could also be higher if the bond was purchased below par - at a discount.Yield To MaturityThe most important earning indicator is the yield to maturity. It is the combination of everything that matters: The coupon rate on the bond, the price that is paid and the years the bond is held. If a bond is bought at a premium, then the yield to maturity will be lower. If the bond is bought at a discount, then the YTM will be higher. This is because the nominal yield is only paid to par and you

ion to region. For example, in Waco, buyers customarily pay for a survey if their lender requires one (they usually do). Sellers customarily pay for title insurance since they are guaranteeing that they have the right to sell the property (title insurance protects the buyer against ownership claims from third parties). It is important to know the customs of your local market since an offer that is presented asking the seller to pay for something he wasn’t expecting to, may be met with a great deal of resistance. However, other terms of the offer may make the seller more amenable.

Here is a list of the most important negotiable items found in a standard offer:

2. Financing – how the buyer is planning to pay for the property. Will he be paying cash or borrowing the money. There is a myth that cash offers are better for the seller than financed de

Get the Power of Spending Through Credit Card Loans
The modern era has come with a boost in the spending power of the consumers. The modern face of the world is not bogged down by unsuitable desires. It is as if we say think of any thing in the world and it creeps up from nowhere. No doubt it is the spending power of the consumers. With this, credit card appeals to each and everyone and then rightly comes credit card loans.The most appealing fact of credit card is that it allows the customer to spend as he likes. But since it sports a certain credit limit, the customers are left gasping in the end cursing his unsuitable desires. He is left with a lovely bank balance and mounting credit card dues. He feels shattered and no one to bail him out of this situation. No matter credit card debt consolidation loans serves as the savior.Certainly the primary aspect of the credit card loans is to counter credit card debts. The most important need of the time is to eliminate the debts speedily. It is due to the fact that the debts carry a high rate of interest and a slow process might risk you into trouble. The credit card loans have become more popular as it gives you an upper hand in escaping credit and debts easily and promptly.There are certain points that have to be kept in mind while giving your consent to any deal. The most important factor of credit card loans being the APR or the rate of interest. Since a borrower would like to resurrect his mistakes without losing much, he has to get the right deal which could offer a low rate of interest. It certainly goes a long way in repayment of the credit card loan availed.Credit card loan can be both secured and unsecured. Secured credit card loans require collateral, which certainly helps bring down the rate of interest. It is the collateral which makes

st of the most important negotiable items found in a standard offer:

2. Financing – how the buyer is planning to pay for the property. Will he be paying cash or borrowing the money. There is a myth that cash offers are better for the seller than financed deals so you can offer a lot less. In the end, this comes down mostly to time to close (see #8). The seller will get a check at closing whether the money was cash or borrowed, so the fact that it’s a cash deal means only that it can close quicker. Now there is a chance that the buyer may not get loan approval, so in that sense a cash deal is safer. Also lenders may require repairs for certain types of loans, sellers need not worry about this on a cash deal. So there are some advantages to a cash deal but to have a large effect on the price it would require other buyer concessions, such as no option period (see #11) and a quick close.

3. Earnest money – earnest money is money that is put down up front as a statement that he is serious about buying the property. This money is held in escrow (usually at a title company or other escrow agency) if all the details of the contract are agreed upon by both parties and is credited towards the price of the property at closing. If the buyer decides to back out of the deal and there is no option period (discussed later), the seller can keep the money.

4. Title Policy – who pays for the title policy and what company will issue it. The price of the policy is based on the sales price and the rates are set by the state, so in Texas all policies cost the same about despite their issuer. The prices for other services that the title company provides may vary however.

5. Survey – who will pay for the survey. Buyers generally pay for these, lately they are running around $425 and up. The contract allows for the buyer to ask the seller to provide any existing survey. If the seller is willing and the bank will accept the survey it can save the buyer some money. If the buyer is paying cash for the property, a survey is generally not required since it is typically the lender that requires one. However, a survey can reveal important details such as a neighbors fence encroaching onto the property – or that a piece of land is not as large as it was represented to be, so a survey is still a good idea even if not required.

6. Repairs – there is a spot on the contract that states that the buyer accepts the property in its current condition, provided that the seller pays for certain specified repairs. This is one of the “biggies” on the offer since a couple of words here can mean thousands of dollars out of the sellers’ pocket

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My own experience with student credit cards. Also, some straightforward advice on how to use your credit card responsibly.

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