How to Find Real Estate Buyers by the Dozen

Buyers are out there, it’s just a matter of rounding them up and keeping in touch. It helps to be able to determine which type of buyer you are hunting for from the start. Remember this: you’re the person who has something they want when a buyer calls you; if you are calling them then you are trying to sell them, let’s insure buyers call you so you remain in the position of power from the start. You should Be a Real Estate Heavy Weight.

Let’s look at a few categories of typical buyers to get some perspective on their mindsets and how and when we’ll market to find them in order to supply their real estate buying needs.

o Rehabbers: These are folks looking to fix and flip property for quick turn profits.

o Landlords: These are folks looking to buy to rent out to others for long-term equity accrual while generating a positive cash-flow every month.

o Wholesaler’s: Will either buy or put an option on your contract to hopefully flip the paper to another buyer who is willing to pay more.

o Lease Option end-buyers: These are folks who can’t qualify for a loan of their own but want to be home owners as opposed to renters again.

o Retail Buyers: These are end buyers who can obtain a mortgage or have cash and generally buy the property for their own housing needs.

There are variations of buyers out there but the above 4 types are generally considered the prime targets of people who have property to sell. Understanding each buyer’s mindset helps you to market to those buyers interests, do they want quick cash, long-term wealth, tax deductions, a place to call home etc… If you ask enough general questions you’ll quickly discern which type of buyer you have at hand. Once you know, you can then tailor your offers and present properties that satisfy what is important to them.

Buyer: Someone who is ready, willing and qualified! Those that aren’t qualified may be perfect tenants, lease option buyers or owner finance candidates, so qualified can have different meanings.

Ready: Someone who is in the market to buy within 1-45 days, keep in mind a retail or lease option end-buyer generally buys once and they’re out of the game, landlords, rehabbers and wholesaler’s are more likely to buy multiple properties from you over time as they accumulate, sell or flip existing assets. Having active buyer’s lists in different categories that are often ready to buy property is a very smart way to operate.

Gee Danno, how do I find these people? Ah! I’m so glad you asked! Let’s start out with one of the all time greatest methods to kick-start your building a buyers list. In your search for bargain priced properties of your own, it makes sense that you will eventually find a very good deal, once you have a superior deal to offer you turn around and market that property at cost! Yep, no profit for you on this one. Why? Because you are going to advertise that property to every investor and potential property buyer on the planet!

The reason for this is that you will get the most calls and response when you advertise a screaming deal! Granted you’ll most likely sell that deal relatively quickly but you’ll be gathering information from each potential buyer who calls to build your buyers list for future properties that you offer. If you don’t have a property of your own to sell, ask someone who does! I can assure you that they aren’t going to turn down your offer to advertise their property for them for free! You might negotiate a small fee if in fact you do sell their property but your main objective is to build you buyers list!

Let me give you an example of one way to collect potential buyers by the dozen, hold an auction, advertise for a solid week in advance so you attract the most amount of buyers, begin with bandit signs, placing about 100 of them around a 5 square mile area of the property, we just did this and had 800 calls because it was a great deal of those 800 calls we had 300 people show up on auction day, of course the home sold but we also added new buyers to our buyers list.

Here are ways to advertise for those buyers:

o Bandit Signs

o CraigsList

o Backpage

o GoogleBase

o Postlets

o Zillow

o Pay Per Click Ads

o Local online Classifieds

o Media Website

o Flyers

o Newspaper/inserts

o REIA’s

o Direct mail/post cards

o Start an investors MeetUp group

o Email

o Phone

o Fax

o Your own website

Use your imagination, the list is limitless, there is a free e-book called the Internet Real Estate Yellow Pages that you can download for free at my site MagicBullets.com go grab that and you’ll find 100 more ideas and places to list your deals. Now go Be A Real Estate Heavyweight!

Dan Auito :~)

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Daniel Auito

New Beginnings – Buying A Home

Buying a home often represents a new beginning, whether you are moving to a different area of town or moving to a new city or state.

There are many steps involved in buying a home, and the process can seem overwhelming. Whether you are a first-time home buyer or have bought and sold many times; the process is complicated and ever changing.

The first step is choosing a realtor. Not all real estate practitioners are REALTORS®; the term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. They can assist you by guiding you through the process; providing objective information for you, helping you find the best property, translating real estate lingo into terms you can understand; and they will act as your agent throughout the process.

When interviewing agents to assist you with your home purchase, make sure you understand how they will be representing you. Are they working for the seller? Are they dual-agents, or do they work as a buyer’s agent? You’ll want to make sure they are representing you, and only you.

The next step is to have a conversation with a mortgage professional. Working with a reputable mortgage broker is essential to a hassle free closing. It is the mortgage professional’s responsibility to provide financing for your new home.

Schedule an appointment early in your house hunting process. Your broker will work with you to identify any credit issues that need to be addressed prior to closing on your new home. Based upon the information presented to them, they will also let you know how much of a loan you qualify for. This information is vital to you and your Realtor when shopping for a home.

Your first appointment with your broker will entail providing financial and historical information for the Loan Application. This information will include but is not limited to the following:

– 2 Year Employment History

– If you plan to use a VA Loan your Certification of Eligibility

– If you plan to use a VA Loan and are relocating your Orders

– 2 Year Rental or Mortgage History

– Vital Statistics for you and your spouse (Birthdate, Social, Kids, Assets, Liabilities, etc)

– Last 2 Years W-2s

– Last 2 Pay Stubs

– Last 2 Bank Statements

– Last 2 Quarterly Retirements Account Statements

Your broker will pull a tri-merged credit report to review your credit history. This report shows everything reporting to each credit bureau (Experian, Equifax and TransUnion). Not all creditors report to all three bureaus so your scores may vary. The lender will use your mid-score when evaluating which loan programs you qualify for.

Should your credit report show derogatory information reporting, your Broker can assist you with credit repair options to improve your credit worthiness.

The only liabilities that will be counted in your Debt-to-Income Ratio will be those that report to the credit bureaus. So, regular household bills like utilities, auto insurance, cable do you factor into the mix. If you do not have a minimum of three trade lines reporting, some financing programs allow you to use standard monthly bills in lieu of revolving trade lines like credit cards.

Once all of this information is obtained, your Broker will be able to calculate the amount of loan you qualify for. Many factors are considered when qualifying you for a loan:

– Gross Income

– Liabilities

– Interest Rate

– Loan Type

– Payment

The standard Debt-to-Income Ratio should fall between 40-45%. When discussing your financing options, it is important to know where you would like to keep your PITI payment. You may qualify for more then you feel comfortable paying each month.

Once this number has been determined, and all documentation has been provided, your Broker can shop your loan with many lenders and qualify you for the loan program that will suit your unique circumstances.

At this point, your Broker will put together a Good Faith Estimate. This document will show you estimated costs involved with closing your loan. If you are using a VA Loan there is a funding fee that is built into the financing. It will also estimate your monthly payment based on current interest rates for the loan program you are qualifying for.

Now that you know how much you qualify for and the payment you feel comfortable with you can shop for a house within your budget.

Your Broker will advise you not to make any new credit purchases or apply for new credit until your loan closes as this will affect your credit score and Debt-to-Income Ratio.

Once you have your initial meeting with a mortgage professional, you should decide where you want to live. If you are getting ready to move to a new area, use the internet as a starting point. Research schools, demographics, crime statistics; research any and everything that is important to you. A sampling of some web sites to get you started:

Scorecard http://www.scorecard.org generates a pollution report card at the county level, giving information on such topics as air and water quality.

School Matters – shows academy performance http://www.schoolmatters.com

The U.S. Environmental Protection Agency’s http://www.epa.gov/epahome/commsearch.htm Has a tool that allows visitors to search a community by ZIP code for environmental facts about the area, including pollution statistics, the location of hazardous-waste sites and information about the area’s watershed.

Zip Skinny http://www.zipskinny.com Enter your zip code to see U.S. Census data and comparison with other zip code

If you need assistance finding this information, a Realtor can provide this information for you or tell you where you can find it. Also, most Realtors have comprehensive relocation packages they can customize and send or email it to you.

After you narrow down the vicinity you want to live in, you’ll want to drive around and see if you still like the area. No matter how much research you do on the internet, nothing takes the place of seeing a neighborhood in person. Pay attention to the upkeep of the neighborhood and look at the surrounding traffic. Does it have the components you are looking for? Is it close to shopping, close to work, close to schools? Does it consist of families, or singles, or working couples? Does it seem safe? Are the homes tidy and well-maintained? Are the streets quiet?

Once you decide on the area, then you can start looking at potential homes. Remember, first focus on the location of the house. From there, focus on the floor plan; whether it is a ranch, bi-level, 2-story, etc. The two things you can’t change in a house are the location and the floor plan; almost everything else can be modified. Different floor plans suit different needs; you may want a ranch with no steps, you may want a bi-level and the kids to have their bedrooms in the basement; you may want a two-story with the bedrooms on the 2nd story and for the main level to be the living area.

In- person property searches can take an afternoon or months, some people like the first house they see, and others see 75 before they find the perfect house. As you walk through a potential house the first time, see if you can imagine yourself living in it, will it fit your lifestyle and all of the things that are important to you. As you leave the house, decide on a scale of 1 to 10, with 10 being the highest rating, where it fits within the range. If it is a 2, discard the info on the house. If it’s a 7 or 8, put it in a „keep pile“. If you spend a couple of days looking, you should be able to narrow it down to your top 3 or 4. You’ll want to look at your top houses again, this time with a more critical eye. Is there anything you missed the first time? Do you still like it? Drive the neighborhood during different times of the day and on different days of the week. Make sure you like the neighborhood, ask questions of the neighbors. Most people are very eager to tell you about the area and why they do or do not like living there. Remember, location, location, location. Ideally you want to buy in an established neighborhood; and you don’t want to fall in love with the most expensive house on the block. You always need to think about resale. If all of the other houses are 3 bedrooms, and the one you love only has one bedroom which is all you need; you may want to think twice about it. Are you going to be able to resell it?

Then, after you have decided you have found your perfect dream house, have your Realtor do a comparative market analysis, CMA, for you. The purpose of this research is to see what comparable houses have been selling for in the same area during the last several months. No matter how much you love it, you want to know if it is priced fairly. If it is overpriced or under-priced, either way you’ll want to know. Remember, the more informed you are the better. The CMA will provide information that can help you decide on your beginning offer price.

The next step is to have your Realtor write an offer with the terms and price you want to offer. Before writing the offer, you’ll want to discuss the purchase price, earnest money, what’s included with the property, closing date, and all types of other pertinent details with your agent. All of these details should be included in the offer. Once the offer is written and you have signed it and written an earnest money check, the Realtor presents the offer along with your prequalification letter to the listing agent who is representing the seller or in some areas it is customary for your agent to present it directly to the listing agent and the sellers at the same time The response to your offer can have several different outcomes; (1) no response from the seller (2) acceptance by the seller with no changes to the offer (3) a counteroffer from the seller which can including anything from the price, to the closing date, to the inspection dates, to the earnest money. Anything in the offer can be subject to a counter. The response from the seller will determine your next move. Ultimately, you and the seller want to come to a joint agreement on all facets of the offer and this will be signed by both parties and detailed out in the counteroffer. In today’s market conditions, many buyers are asking sellers to pay for their closing costs, as well as a home warranty. As a buyer, make sure you thoroughly understand the offer and all of its components. Once it is signed by both the buyer and the seller, it becomes a binding legal contract enforceable by law. In many states, Realtors are required to use state approved legal contracts and forms, and you can get always have a lawyer review the contract.

Once the contract becomes accepted, then you and realtor really start to work. The title commitment (or abstract) is ordered and you, your Realtor and your lender will receive a copy of it. Your agent will help you read through it to make sure you understand the requirements and exceptions that come with the property. This is a very important step, as the title company will be issuing an insurance policy guaranteeing that you have clear title to the property.

Once you have an accepted contract, your Broker will update your application per the contract and submit your file to the lender’s underwriter. Depending on how long it took to find your house, the lender may require you resign the loan documents. The underwriter will review all of the documentation and verifications provided by your broker. Depending on your personal situation the underwriter may ask for additional information or clarification regarding your credit history. This is called a CONDITIONAL LOAN APPROVAL. This means, as long as you can provide the additional documentation, the underwriter will approve your loan.

The most common items on a conditional loan approval list are:

– Letter of explanation on credit history

– Pay off old credit accounts or proof they were paid

– Provide proof of home owners insurance

– Update the title insurance with the lender’s information

– Provide updated pay stubs and bank statements

– Appraisal of the property

– Lock the interest rate

One of the most important steps in the process is to lock in your interest rate. Each lender has their own set of requirements for locking a loan. The rate you were quoted on your Good Faith Estimate is only an estimate based on market conditions at the time of your prequalification. Locking your rate will be a decision you and your Broker will make together prior to closing your loan. Rates are currently at a 28 month low, however rates are subject to change daily, and often times multiple times a day.

From the time your Loan Application is submitted to underwriting until closing can take appx. 21 days. Timing is often times dictated by the time of month you plan to close, how long it takes to gather the Loan Conditions, and the closing date on your contract.

While your loan is going through underwriting, you and your Realtor will get the inspections scheduled. General inspection, structural inspection, termites, radon are just a few of the inspections that can be scheduled and these vary from area to area of the country. As an example, In the Rocky Mountain area you may want to have a structural inspection because of the expansive soil and underground mines; in the Midwest you may have to have an inspection for termites. Your Realtor can suggest the appropriate ones for your area. Remember, this is one of the most expensive purchases of your life, you want to know the condition of the property you are buying. Safety concerns and other major ticket items that come up during the inspection can result in a laundry list of items that a buyer may ask to have repaired or replaced. The seller doesn’t have to agree to fix anything, but it doesn’t hurt to ask. If a contract is going to fall apart, it is usually because the seller and buyer can’t come to terms on inspection items, or it is due to the buyer not being able to qualify for a loan.

If your financing gets secured, if the property appraises correctly, if you come to terms on the inspection(s), if the title (or abstract) looks O.K., and if you get your home insurance secured, then chances are you will close on the property and the property ownership will get transferred to you.

One last thing that should be done before closing, is to conduct a final walk-through of the property. This isn’t a chance for another inspection, but the buyer should make sure that nothing has changed in the property from their last walk-through and the buyer will want to confirm that any personal property negotiated as part of the contract is still there. As an example, if the offer included the refrigerator and washer and dryer; these items should still be in the property during the walk-through. If the property had storm windows on all of the windows, then they should be there during the walk-through.

When a successful closing occurs, it’s the result of a team effort between you, your realtor, your lender, the seller, and the seller’s lender. It’s a perfect way to start a new beginning.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Kathy Torline

Benefits of Selling to a Property Buying Company

Selling your home to a cash for property company can be advantageous for many reasons, and doing so doesn’t necessarily mean that you have to pack up and move out either. Nowadays, there are several property buying companies who are willing to buy your home from you and often times will allow you to rent the house from them after they take ownership.

One of the advantages of selling your home to a property buying company that you can get it done quickly. In today’s market, homeowners sometimes have to several months or even years to be able to sell their homes. If you’re able to sell your home quickly, you won’t have to worry about missing out on your dream home. Not to mention that any offer you make to a seller will be taken more seriously as they know you have the funds – you may even be able to save some money too. The process of selling your home to a property buying company usually takes less than two weeks. Plus, there are no real estate commissions to pay since no agent is required and the property buying company pays for all the legal fees involved.

Many of us often get into bad credit card or other debt and many times take out loans that use your homes as collateral, so falling behind on payments puts you at risk of losing your home. Selling your property for cash quickly can also help you avoid foreclosure and get you out of any other debts you have.

Another reason to sell your home to a property buying company is if you have to sell quickly due to divorce or separation in a relationship. Selling to a property buying company ensures that you will receive a lump sum of cash for you property in as little as two weeks. After the sale, you can either move to another location or rent the home from the property buying company, which should certainly be more affordable than a mortgage.

If you have to move because of a job relocation, quick cash for your property can be a huge relief. Doing so means you don’t have to worry about carrying a second mortgage or managing a bridge loan. You also wouldn’t have to worry about trying to keep your first property maintained while waiting for it to sell.

There are several reasons why it could be beneficial to sell your property to a property buying company. Quick cash for your home releases the equity in your home allowing you to settle your debt and start fresh. It’s up to you, though, whether to find another residence or to remain in the home paying a lower rental rate instead of a mortgage.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Oliver Wingrove

Picture, Picture on the Wall – How Art Can Affect Your Feng Shui

Every day we are influenced by what is around us… the words that are said, the smells we smell, the sights we take in. The goal of feng shui is to promote beauty, harmony, and aspiration, the raising of our sights toward lofty, noble, and worthwhile goals.

The poet Maya Angelou said that we must be careful about the words we speak because the words will „hang on the walls.“ Of course, she is talking about what we do in the figurative sense. However it is also true of what we hang on our walls in the literal sense. That’s why it is important that we surround ourselves with uplifting sights.

Feng shui encourages the application of beautiful, sustaining images. Pictures and artwork of depressing subjects, violence, or pictures whose presence makes us sad or unhappy are not suitable or appropriate for the walls of our home. Instead, only those images that are inspiring, uplifting, and beautiful should be placed on the walls.

Fortunately, you can practice symbolic feng shui by the selection of certain images, such as people, happy occasions, beauty, wealth, or power. Particular pictures in feng shui have special meanings and can be used wherever you desire more interest. For instance, a poster or painting of a water fall is an excellent way to boost career feng shui — and income!

When you are looking to improve your feng shui, consider simply looking around. Then, see if the images you are looking at are saying what you want them to. If not, consider replacing those images with pictures that make a positive, uplifting statement. Check the tips below for more ideas of positive feng shui images.

1. Use beautiful water images for career or wealth help. When placed in the north sector of the home, living room, or office, these images can provide an immediate boost to the career. To boost career chi in the bedroom (or anywhere!) consider adding an image of a tortoise.

Images of waterfalls and lakes are also appropriate for the southeast wealth sector. For more career or wealth help, consider adding a picture of a ship sailing INTO your home or office. Ships are especially auspicious harbingers of coming wealth. Do consider adding a ship picture in the southwest, where it will help with relationships AND wealth because water is beneficial in the SW until 2023.

2. Gain recognition, friends, and beneficial relationships with images of happy people. Looking for more friends or a more active social life? Maybe even FAME? Pictures of happy occasions and happy people are EXCELLENT ways to bring more people into your life, as well as happier relationships, and greater social recognition. Pictures such as the ones below are excellent for enhancing your social status, both personally and professionally.

These can be hung in the south or southwest corners. Other good choices for the south and southwest are horses and birds. Horses hung in the southwest sector can offer a good chance of travel, so be prepared if you hang a picture of a horse here!

3. Receive help from mentors and influential people with images in the NW. To receive help from those in the position to offer you advancement in your career, studies, or life in general, you need to enhance your „Power People“ sector. This is the NW corner of your home, living room, or office.

Images of international scenes such as the Eiffel tower, the tower of London, the pyramids of Giza, and other scenes are excellent for receiving help from all corners of the globe. Likewise, images of metal structures, circular images, and golden or metallic colors are all excellent choices.

Maps, pictures of maps, globes, etc. are all beneficial for the NW sector of your home, office, or living room. Because this is the „heaven“ location, this is also a wonderful location for pictures and images of religious figures or deities, angels, or religious locations such as Jerusalem or Mecca. Grand people such as Albert Einstein, Martin Luther King, Gandhi, or world leaders are also wonderful choices for increasing Powerful People help.

Be sure to surround yourself with pictures of people or places that you aspire to and that inspire you. We must all have something that lifts us up and makes us want to achieve more and aim higher in our lives. Find a picture that symbolizes that FOR YOU.

4. Avoid depressing, negative, or violent images. Do you have images in your home that remind you of something sad, mean, violent, or failure? If so, these images are constantly reinforcing these negative messages. Look around and if you have any pictures or elements like this, consider replacing them. Otherwise, these images will continue to imbue your home with negative energy. Yes, even if your picture is considered „fine art“, it is not worth sacrificing the energy of your home for this investment in negativity.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Kathryn Weber

Most Expensive Neighborhoods in Mississauga, Ontario

Have you ever wondered what are the most expensive neighborhoods in Mississauga, Ontario? Well here they are in all their glory. Mississauga has grown from a sleepy collection of small towns to a vibrant community of over 700,000 people – a large city in itself and yet also Toronto’s western suburb. Even though Mississauga is usually viewed as a middle class or upper middle class area, there are also many pockets of extreme luxury sprinkled throughout the city. Some of these highly sought after areas of Mississauga feature amazing luxury homes of up to 10,000 square feet and more, situated in park-like settings with enormous lots featuring swimming pools and tennis courts…here is a short summary of some of these areas…

LORNE PARK:

One of Mississauga’s largest, oldest and most prominent luxury areas, Lorne Park is bounded by Lake Ontario to the south, the QEW highway to the north, Southdown Road to the west, and Mississauga Road to the east. Lorne Park has many luxury homes nestled in tree-lined streets, with dozens of homes sold over the million dollar mark in 2009. Lorne Park is easily identified by the large, tall trees which abound in the area, and by its proximity to the lake. There are several sub-areas within Lorne Park, including Rattray Park Estates, which is situated south of Lakeshore next to the Rattray Marsh Conservation Area, and the Lorne Park Estates, which is a small, Muskoka-like area serviced by private roads, directly on Lake Ontario. Lorne Park High School is an excellent secondary school which services the area, and there is plenty of high end shopping available nearby. Lorne Park has plenty of multi-million dollar homes, and you can expect to pay from $2 million to $3 million for a nice property as you get closer to Lake Ontario.

MINEOLA WEST:

Definitely one of Mississauga’s top areas, Mineola West is a small pocket at the extreme western end of the Port Credit neighborhood, running west off of Hurontario, south of the QEW, bounded by the Credit River on its western edge. This area features some unbelievable luxury homes on large lots, in a park-like setting with large tree canopy overhead, extremely quiet and private, and yet close to the GO Train and amenities of Port Credit.

MISSISSAUGA ROAD including DOULTON DRIVE:

Mississauga Road runs north from Lakeshore Road, up to the QEW highway and further north to Dundas Street, the University of Toronto Mississauga Campus, and even further to Streetsville and beyond. Along the way, you will find some of Canada’s finest luxury homes, and extremely exclusive schools, parks, and shopping, plus close proximity to both the Mississauga Golf and Country Club, as well as the Credit Valley Golf and Country Club. All along Mississuaga Road are exclusive streets with pockets of fine and expensive luxury homes. One of the streets running off of Mississauga Road is Doulton Drive, which may be the City of Mississauga’s most exclusive address. Doulton Drive has the Credit River and one of the golf courses as its neighbor, and features multi-million dollar estate homes up to 10,000 square feet. Highest priced sale on Doulton Drive during 2009? $7.25 million…Luxury indeed!

GORDON WOODS:

Gordon Woods is a small, exclusive pocket of luxury homes, located near the Trillium Hospital in south-central Mississauga. Many people are unaware of this fine collection of expensive homes in a Muskoka-like setting. Gordon Woods were originally built for the doctors practising at Trillium Hospital. Gordon Woods is not easily found – tucked away with Hurontario at its eastern boundary, Stavebank Road to the west, the Queensway to the north, and the QEW highway to the south. Gordon Woods has an extremely high tree canopy, and is densely forested. Lots are large, and houses range from classic 1960’s type bungalows, to extremely large modern mansions with circular driveways. Within the tranquility of Gordon Woods, it is hard to believe that you are actually in the centre of Mississauga.

CREDIT MILLS:

Credit Mills is an area of large homes located off of Mississauga Road, north of Eglinton Avenue, bounded by Erin Mills Parkway on the west, and the Streetsville old town limit on the north. This neighborhood is a bit different from the others in the survey, in that it was built in the fairly recent past, during the 1990’s. Credit Mills features large, modern, luxury homes of 3000, 4000, and even 5000 square feet, on lots which are slightly smaller than some of the other neighborhoods in this survey – easier to maintain! Many of these fine homes are on court locations, have double and even triple car garages, and are filled with the best and most expensive upgrades. The area of Credit Mills is very close to the shops of Streetsville, Erin Mills Town Centre, and the Streetsville GO Station. The primary road running through Credit Mills is Erin Centre Boulevard.

HONORABLE MENTION – CREDIT POINTE:

Credit Pointe is another of Mississauga’s luxury neighborhoods, and is a circular-shaped pocket of homes running off of Eglinton Avenue, with the Credit River on its western edge. Credit Pointe features some regular homes within its boundaries, but as you go towards its southern tip, there are several streets with very expensive, luxury properties. Credit Pointe is centrally located in Mississauga, and has great access to both the GO Train and Highway 403.

AREA TO WATCH – MEADOWVALE VILLAGE:

Old Meadowvale Village, located near Old Derry Road and Second Line West, is an up-and-coming area with plenty of new luxury construction, including many homes over the $1 million dollar mark. Definitely an area to watch!

There are many other fine neighborhoods in Mississauga that feature exclusive luxury homes; the Sherwood Forrest area of Erin Mills, for example has several streets of very expensive homes. and there are some great areas in east Mississauga as well, near the Etobicoke border, which are very upscale. For sheer concentration of wealth, though, the above list showcases the most expensive neighborhoods in Mississauga.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Randy Selzer

Best Road Trips – The Pacific Coast Highway to the Amalfi Coast Road

Best Road Trips for Adventure: Explore the edges of the map on these remote roads.

Classic American road trip destinations, Death Valley and The Pacific Coast Highway both have names promising adventure. Death Valley and the ghost towns, narrow canyons and open deserts around it are like an invitation for tough guys and people looking to escape society’s bars, while the Pacific Coast Highway promises the clear beauty of American beauty oceanside – dramatic cliff-faces, beaches, secluded coves, mountainous forests, and protected wildlife.

Best Road Trips for Luxury: Wind in your hair freedom in style.

These road trips are made for honeymoons. Best case scenario the car is something sleek, open topped and Italian. The clear seas, bright villages and stone churches of the Amalfi Coast between Positano, Sorrento, Ravello and Amalfi, are well stocked with small boutique hotels, hidden coves and intimate cafe terraces on which to watch the sun go down, and make for the classic eloper’s dream. A trip along the French Riviera between Nice and Monte Carlo reeks of playboy chic, especially if you happen to win money in any of the casinos lining the route. For lovers by title, the Romantic Road from Heidelberg Castle to Neuschwanstein Castle, runs along the old trade route between medieval towns and fairytale castles.

The Karakoram Highway follows the route of the old silk road up to one of the world’s highest altitude passes amongst some of the world’s highest scenery round K2, Nanga Parbat and Gasherbrums I-IV. The Carretera Austral or Southern Highway runs on a largely unpaved odyssey through Patagonia, stopping at remote towns along the way.

Journeying between Marrakech and Essaouira via the Atlas Mountains is going a bit out of your way, but the trip south, through spectacular desert scenery, amongst the snow capped sky scrapers of the Atlas Mountains and along ridges over lush, hidden valleys will take you to the edge of the Sahara, as well as into the Atlases before the coast lays out in front of you at Essaouira.

Best Road Trips for Sightseeing: Drive by some of the world’s best sights.

For scenic days packed with distractions and attractions and evenings spent in comfortable B&Bs, a trip along Ireland’s Antrim Coast Road, past the Mourne Mountains, Carrickfergus Castle, Bushmills, Dunluce Castle, the Giant’s Causeway and the Glens of Antrim, or on America’s Blue Ridge Parkway, though the Great Smoky Mountains, are great family road trips.

Finland’s 1000 Lakes Trip is an eight or nine day Scandinavian family classic. Ex Helsinki it weaves around the beautiful lake country, between the 187,000 lakes, with overnight stops in cozy country towns. The Reykjavik to Akureyri Route by Geysir, the Reykjanes Peninsula and the Snæfellsnes Peninsula is another excellent choice for sightseeing and you can do it in a day, taking snaps along the way or go slow and admire the sites.

Hawaii’s Hana Highway, from Pa’ia to Hana, is a much shorter trip, but with plenty to see, from bamboo and eucalyptus groves by waterfalls to panoramic views of the Pacific Ocean that you’ll remember for the rest of your life, while the Overseas Highway from Miami to Key West, which runs for 113 miles over 43 long, flat, straight ocean bridges, is the road trip equivalent of island hopping.

Best Road Trips for History: Retracing historic routes.

Follow in the unpaved footsteps of Che Guevara between Santa Cruz and Vallegrande, as he travelled though Bolivia and was finally laid to rest, or trace the Viking’s first inroads into Canada on the Viking Trail. Past the Norse landing site at L’Anse aux Meadows, and though the Gros Morne National Park, for the rock art and remains there, this trip also passes between pretty coastal towns most of which have a local Viking museum in which to house the local relics.

Route 66 is the classic road trip route into American folklore, following the old commercial route between rural villages. From the fields of Illinois, Kansas and Oklahoma, to the deserts of Texas and New Mexico to the coastline of California, this road is also referred to as Main Street USA.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Bea Metcalfe

Heidelberg Castle – Recalling the History With Beautiful Views

The Heidelberg Castle is a well-known ruin that is located in Germany and is considered as the landmark of Heidelberg. The Heidelberg Castle is one of the most significant Renaissance structures found at the north of the Alps. The Castle has been demolished during the 17th and 18th century, but then only few parts have been rebuilt. The Heidelberg Castle lies at a distance of 80 meters up the northern part of the Konigstuhl hillside, and from there it dominates the outlook of the old downtown.

You can reach to this site through the Heidelberger Bergbahn funicular railway. The railway operates its services from the Kornmarkt to the summit of the Konigstuhl in Heidelberg. The original structure of the castle was built before 1214 AD and later has been enlarged into two different castles circa 1294. Unfortunately, in the year 1537, a lightening bolt has destroyed the upper castle.

The present structures were built with an expansion project in the year 1650, before the destruction through the wars and fires. All depends on the fate that some of the rebuilt sections were again destroyed by one more lightening bolt. Until the beginning of the 19th century, the Heidelberg Castle was not considered as the tourist destination. After building up the railway network in the year 1840, tourism has received a big boost in this area. At the beginning of the 21st century, over 3 million people visits this place a year, and nearly 1,000,000 people enjoyed overnight stays.

To get some wonderful views of Heidelberg, head to the Neckar River and the Neckar valley that is located far into the Rhine plain. If you are lucky enough to experience something beautiful with a clear day then the Mannheim is a better option that could be visible on the horizon.

Some of the other attractions at the site that will lure you entirely are:

The Gardens:

The castle gardens were built between the years 1616 and 1619 by Salomon De Caus who was the garden architect. Prince Elector Friedrich V commissioned him for his beloved wife Elizabeth. During that time, the gardens were considered as the masterpiece. The gardens are built upon many terraces with many flowers beds, mazes and arbors. With various sculptures, a heated greenhouse along with the orange trees, waterfalls, huge fish ponds, and a man-made grotto for the musical water arts.

Heidelberg Tun:

The Heidelberg Tun is also called as the World’s Largest Wine Barrel that was built by Prince Elector Karl Theodor in the year 1751. The structure stands at a height of seven meters and its breadth is of eight and a half meters. The Heidelberg Tun holds some 220,000 liters of wine and also boasts a dance floor that was built on the top of it.

Apothecary Museum:

Below the Oto Heinrich Building, you will get the unique Apothecary Museum. Visitors get an opportunity to learn the history of pharmacy and dispensaries. There is a huge compilation of such things.

Castle lighting:

You can see the renowned fireworks display that lights three times during every summer. The three times occur on the months of June and September – first Saturday, and the second Saturday in the month of July. The lighting is done to remember the past event and history of the castle.

So if you love to explore the historic places then head to the Heidelberg Castle and spend a memorable time in your life.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Gia Loren

The Dwarf and Barrel At Heidelberg Castle

Heidelberg Castle, or Schloss, is a labyrinth of interesting rooms and fascinating legends. Reality and fable come together when you see the Tun – a mammoth wine barrel, and you learn about the dwarf – the barrel’s mythical protector.

Heidelberg Schloss rests on a mount above the city along the Necker River in Germany. Part of it lies in ruins, blown-up by the French in 1689 during the Nine Years War. Many legends arose from the ruins including ghosts and witches A favorite is about the Tun and Perkeo the Dwarf.

Within the castle is a gigantic wine barrel that holds 220,000 liters, or 58,100 gallons. It is referred to as the Heidelberg Tun. Germans call it the Großes Fass. Built in 1751, it consumed 130 oak trees.

The Tun is mentioned in literature by the following famous authors: 

  • Jules Vernes, Five Weeks in A Balloon
  • Mark Twain, A Tram Abroad
  • Victor Hugo, Les Miserables
  • Washington Irving, The Specter Bridegroom

As a monthly visitor to Heidelberg, I heard about the Tun, but like the Alps or the Grand Canyon, you must see it in person to appreciate the scale. Why did someone need a barrel of that size? Apparrently, the castle was sometimes under siege. The Tun provided enough wine for a long defense. Before the tramway was built, some casualties likely occurred when soldiers rolled individual barrels up the steep slope to the the castle.

As you admire the Tun, you will hear about Perkeo the Dwarf. Perkeo was the jester under the local ruler, Elector Karl Phillip. Among his duties was protecting the Tun. The dwarf was a hard drinker who guarded and sampled a limitless amount of wine. He never turned town a drink. Perkeo is Italian for’why not?‘ – the answer someone received when offering him a cup. Consuming only wine, the dwarf lived a long life. Poor Perkeo substituted wine with just one glass of water and died the next day.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Mark F Weber

Buying a Property in Romania – Real Estate Law in Romania

If you are looking to buy a holiday or second home or invest in Romania, Transylvania or at the Black Sea and you are a foreign citizen/investor, there are few aspects you should know about the procedure an the costs for the acquisition of Romanian land or Romanian houses.

After 2012, foreign citizens EU citizens (non-Romanian) may purchase a home or apartment in Romania may freely buy and sell any Romanian property, without restrictions. Along with the sell price for the property, buying real estate in Romania has other costs associated with it.

If you have chosen to collaborate with a Romanian real estate agent/ broker you can expect to have an additional commission of approximately 2-4% of the price of the property. The local tax will be 2-4% of the price of the property. The signing of a contract must be witnessed by a public notary who submits it for certification by the Land Registry in charge of real estate records. The fees for the Romanian public notary is about 0.5-1% of the purchase price. You will also have to pay fees to the Land Registry („Cartea Funciara“) to register the Transfer Deed. The Romanian Land Registry Fee for a purchase of a property will vary from 1-3% according to the length of time that the seller had owned the property and the property’s value.

The Romanian law on property states that Citizens of EU member states, legal persons incorporated in the EU member states and stateless people domiciled in an EU member state can purchase land in Romania only if the land is used for secondary residences or for secondary headquarters after a 5 (five) years term from the accession of Romania to the EU (starting with January 1st, 2012); only for the agricultural land and forest land 7 (seven) years term from the accession of Romania to the EU ( starting with January 1st, 2014).

But for the Citizens, legal persons and stateless people not from a EU member state, the Romanian legal system establishes that they can purchase land in Romania, under the conditions of international treaties between Romania and the states of origin on these persons, under a reciprocity basis.

In our point of view, a prudent investor will hire a Romanian lawyer/ a Romanian Law Office, who will liaise closely with the notary on the verification of the title, obtaining the Land Registry excerpt and the drafting of the agreement for the transfer of ownership of the real estate. This means that the Romanian lawyer will be solely acting for and is responsible to his or her client, whereas the notary will not have the same degree of responsibility to the purchaser.

Under Romanian law there are three basic rights to land and buildings such as right of ownership; usage rights as lease, usufruct, superficies; concession right. The principle of contractual liberty represents the key core of the property law in Romania.

Sometimes, an investor/purchaser can opt for closing a pre-sale agreement, by which the seller undertakes to transfer ownership to the buyer at a certain date in exchange for an agreed consideration. The content of the pre-sale contract will stipulate all commercial and legal conditions for the transfer of ownership, as conditions precedent to the final transfer of ownership. The closing of such pre-contract for purchase does not means the transfer over the property, but the stipulate binding obligations for the parties, in regard to, as example, damages or penalties set out in them, if the seller refuses to sign the final notarized deed of transfer at the agreed deadline.

The closing of the pre-sale agreement is to protect the investor/buyer from any possible purchase to other buyers and to matters regarding the fixed price and duration of a future purchase. In our point of view, it is a must that the pre-sale agreement to be concluded at a Public Notary and clearly stipulate the sale price and other clauses regarding duration of future purchase. In this case, it can be enforced in court on the buyer’s request as a deed to transfer ownership.

A sale agreement signed in Romania, according to the Romanian legislation will mandatory stipulate: obligations of the parties for the fulfillment of the sale contract, delivery and quality conditions of goods and/or services, terms, payment methods and payment guarantees, payment instruments and price insurance, contractual risk, as well as method of solving eventual litigations arising from the contract. Other required elements include the full name and identification details of the parties (for legal entities) and name of the person signing the contract (representing a legal entity).

Our team of romanian lawyers offer a wide variety of legal services in the real estate law http://www.lawyersinromania.com

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Simona Rotaru

How to Start a House Cleaning Business on a Tight Budget

„If you use Emotion and Love to drive your sales and your business, you will create Loyalty Beyond Reason. And I promise you, you will build relationships and enjoy a business that exceeds beyond your wildest expectations“

First of all, before you decide to start your cleaning business, make sure this kind of work is right for you. You will need to be in good physical condition. Cleaning is very hard strenuous work. You will need to have good customer relation skills. You will need to have basic office skills and some accounting skills.

If you are planning on leaving your full time position to start a cleaning business, make sure you have at least six months of savings. Or keep your full time job and start out part time.

Research all the aspects of the cleaning service business. From customer service to advertising, taxes, employees, insurance and bonding, what to charge and how to clean a home professionally. Cleaning your own home and cleaning professionally is totally different. Learning how to clean professionally takes a lot of time. When a client pays for your services they expect to come home and find their home spotless.

Getting those first clients takes time, persistence and patience. You will not get a hundred clients overnight.

Obtaining Those First Clients The hardest part of starting your own cleaning service is obtaining those first clients. Most clients want to know how long you have been in business and want references. The best thing to do is let clients know that, yes, you are new to the business but that you have thoroughly researched all aspects of the cleaning business and assure them that you know what you are doing and that you are quit capable of cleaning their home to their specifications. Be confident. I can’t stress this enough. Clients love to see confidence. It relieves their worries and lets them know that their home is in good hands.

References: To get a few good references when starting out, ask some friends or family members if you can clean their home for free or at a discounted rate. The sound of working for free may not be appealing but it will be worth it to get some good testimonials.

When cleaning those first homes, go for quality, not how fast you can clean the home. Cleaning efficiently takes a long time, but you will get to the point where you can do a thorough cleaning in a short time. After cleaning make sure you go back and double check all rooms to make sure you didn’t miss anything. Impress those first clients and word of mouth will spread soon.

Advertising Your company image is everything. Before you start advertising, decide what image you want to portray on your advertising material. Your image is very important. Be consistent with all your advertising. If you have a logo be sure to use it on all your advertising materials. I think it is best to have a website developed before you start advertising. When advertising, stick with the same logo and colors.

Advertise in Local Paper: Start by running a text ad in your local newspaper. Try to come up with an eye catching ad. Do not sell your services on low rates, sell your services on your quality of work and what you can do for the client that other companies don’t. There is a lot of competition in the cleaning service. You have to stand out from the rest.

Magnetic Signs or Lettering for your Vehicle: Having your business name and contact information on your vehicle is a great way to advertise. We use the vinyl lettering. The lettering looks much more professional than the magnetic signs.

Flyers: You can print nice flyers on your home computer, but I would suggest investing in some professional flyers. Hang flyers at Hair Dressers, Laundromats, Restaurants, Bakeries, Grocery Stores, etc. Put flyers on car windows at local groceries stores and businesses. You can even go door to door in neighborhoods you would like to work in. You cannot put them in mailboxes. but you can put them in the front door.

Door Hangers: Door hangers are a great way to get new clients. Pick the neighborhood you would like to work in and hang the door hangers on the doors. When people get flyers or ads in their mailbox they usually throw them away with the junk mail. But if there is a door hanger on the door they will take the time to look at it.

Business Cards: Start passing out your business cards to friends and family members. You can also ask your local businesses if you can leave some cards on their counters.

Referral Program: A great way to obtain new clients is through a referral program. Offer existing clients a discount when they refer a friend. You can give your existing clients a discount when the friend uses your services three times.

Website: These days people live very busy lives so they use the convenience of the internet to shop for the services they need. A lot of working women will shop for services while at work. Everyone that has a business should have a website. It shows clients that you are serious about your business and allows them research your business in their own time.

Cleaning Products: By using all natrual products, you can offer your clients a healthy cleaning experience and protect ourselves against harsh chemicals. Clients love the natural cleaning products with essential oils. They come home to a healthy clean home filled with the wonderful scents of aromatherapy essential oils.

Tip: Always carry hand sanitizer and wash your hands often while cleaning homes. Wear gloves when cleaning bathrooms. You will be exposed to a lot of different germs in clients homes.

Remember most customers prefer that you bring your own cleaning supplies. That way they do not have to worry about going to the store for cleaning supplies before you clean. Some customers have special cleaners for certain appliances or floors in their houses. These customers usually will have these cleaners on hand for you to use. We almost always use the customers vacuum cleaner. That way you do not have to carry a heavy vacuum from house to house.

What to Charge I mentioned earlier that you should sell your services on your quality of work and not your low rates. If your rates are too low, clients will think that your work is sub-standard and that you are not experienced. Also you want to attract the clients that can afford your services. I made the mistake of pricing my work too low when I first started out. Cleaning is hard work, charge what you are worth. As the old saying goes „You get what you pay for.“

Some companies charge by the hour, some charge by the room, some charge a flat rate per home and some charge by the square foot. I think it is better to charge by the home, not by the hour. If a client knows they have to pay one set fee, they don’t care if you take 2 hours or 5 hours. Also your clients will know what they are paying up front and won’t have to worry about added expenses.

No two houses are the same. And there is no set charge for all homes. You have to clean for awhile yourself to get some experience and to work out a system to clean efficiently. Only you know what you want and need to make. Decide what you need to make hourly to cover all expenses and still make a good profit.

A word of advise: Make sure when you start your company that you charge what you would charge if you had employees. Some people make the mistake of under charging when they start out just to get customers and then later on when they grow and need to hire help they aren’t making enough money on their houses to pay help. Don’t under price your work. Cleaning homes is very hard physical work and you didn’t get into this business to work for nothing.

New Construction Cleaning If you decide to do this type of work you will need more equipment. You will need ladders, window cleaning kits with long extensions, a shop vac, etc. These types of jobs are usually 2 to 3 person jobs. New construction cleaning requires a lot more cleaning. You may have to remove stickers and labels from windows and bathroom showers, sinks and toilets. Some require that you clean the vents to remove dust from construction work. There will be ceiling fans to clean, scrubbing floors, and cleaning woodwork to remove dust. New construction cleaning rates depend on the area you live in.

Insurance and Bonding. You need to be an honest person and somewhat personable. People will need to trust you to be in their homes. Most clients are concerned about having someone new in their house, with good reason. You should be bonded and fully insured. Liability insurance rates depend on your insurance carrier and where you are located. Each person you hire will increase your liability insurance. It’s well worth the cost. You can pay quarterly or yearly. You can purchase your bond through your local insurance company. You will need to renew the bond every year. *Note: if you hire employees and cover them under your insurance, they must be an employee on payroll and not a sub-contractor. If you employ them as a sub-contractor your insurance will not cover them. If they are a sub-contractor they are required to carry their own insurance. You

Hiring Help If you start out cleaning the homes by yourself, you will eventually get to the point where you need to expand your business. Start out with one part time employee. Train her and let her take your place one day a week. Then have her take your place 2 days a week and so on. This will give you the free time that you need to market your business and obtain more clients. After you get more clients you will be able to hire more part time help. Eventually you will be able to stop doing the cleaning yourself and just run the business end, which is the only way you will be able to grow your business. When training new employees, always, either train them yourself or have a lead person train them. Make sure there is a lead person on each and every cleaning job. Employees have a tendency to slack off when they are on their own.

Growing Your Business You will eventually get to the point where you have enough employees and lead people and you will be able to stop working in your business and start running your business. You will find that after awhile it will get to be too much trying to clean everyday and at the same time giving estimates, answering calls, scheduling, doing book work, obtaining new clients, etc.

Remember one of the most important qualifications for a cleaning service is TRUST. A client has to know they can trust you alone in their home. After you acquire a few cleaning positions ask the clients if you can use them for a reference. Most of the time they are more than willing to let you use them for a reference. This is how you build your business and acquire new clients is through referrals. Be dependable. Most clients will want to be set up on an every week or every other week schedule on the same day of the week. Try to always keep this same schedule unless the client asks you to switch to another day. If you have to cancel a cleaning date, make sure you try to reschedule at the earliest possible date to make up the cleaning.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Patti Page

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