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Friday, August 2, 2013

Creative Ways To Grow And Manage A Successful Real Estate Business

By Benny Roye


It's a fact that every real estate services business we know struggles with investing while trying to take advantage of its potential increase. How do we solve this dilemma? Here are good techniques to grow your business to success.

Send birthday cards to your buyers and prospect list. This way, you will be able to make your customers feel that they are vital. Even indecisive prospects are more likely to buy from you in the future if they know that you remember them.

Making payments on time not only shows that you are reliable, it helps to build trust in you and your real estate services business. You supplier is your lifeline. Without them you would not be able to deliver to your customers. If you cannot do this you have no business.

Social media marketing is also something you need to be aware of. You must assign your media department with the task of promoting the real estate services business over the social media. Sites such as Facebook can help you gain the necessary exposure leading towards increased sales.

Before you get deeper into investing heavily into any industry, do a thorough and in-depth study of the market. The chances of you not capitulating to its vagaries will be better if you keep an eye on it. Know the industry well so that you can sustain yourself well for a long time and don't have to face the pitfalls that come from ignorance.

Motivational speeches may seem corny but can be empowering and highly efficient if written accurately and developed enthusiastically. If you have a talent of writing your own enthusiastic motivational speeches, feel free to do so. If that is not one of your strengths, however, a simple quote of the day from a leadership book or even a Google search can go a long way in instilling a drive of energy within your employees to keep them going throughout the day. You would be surprised how empowering quotes or a moving speech will work wonders within the lives of your employees both on and off of the clock.

As a real estate services business owner you are perhaps the only person who may be skimping with your own salary as you feel more responsible about saving for the real estate consulting company. This is not the way to go about it as it may be indicative of low profits and you'll soon run out of motivation if you don't give yourself a fair share. Look into your finances to see where the malaise lies.

Encourage your employees to offer you reviews and suggestions whenever possible. You might even want to consider having monthly meetings in which employees can discuss their work and bring up any suggestions they might have for increasing the efficiency of the real estate services business.

When it comes to making profits analyze and you'll find that just about 10% of your products or campaigns will yield about 90%of the profits. Find out, what is it about them that has caused this sudden and absolute popularity. You could work out a model along similar lines for other products and services.




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Advertising Technique To Grow Your Real Estate Business

By Abraham Lowe


Even though it can be a lot of work, owning a real estate services business will help you to make money and have fun doing it. Before you start, you need to lay down a strategy that will help you to succeed. If you need some information about how to strategize, this article can help.

Planning out clear goals is the best way to keep your real estate services business on track. If you do not know where your business is going, you will not be able to sustain it for very long. You must keep your goals in mind during all business actions in order to lead your business on the path to success.

A website is a requirement if you are in real estate services business. If you don't have one, or feel you can't afford one, you are in luck. You can build one on Google for free with your Gmail account. These sites come with simple to use templates and link back to your Gmail.

In a modern and competitive world you have to be highly able if you want to run a successful real estate services business. Real Estate Business education will teach you how to deal with people and how you can make policies which can improve your business.

When you're running a real estate services business, never give up. You are bound to face failure in your business career, but the important thing is to get back on your feet again. If you learn to pick yourself up after you fall, you'll be able to accomplish anything you please.

Look for products to promote you real estate services business that set you apart from the rest. Things that are helpful around the house are always good. You can put you business name on a jar opener and it will stay in the kitchen forever.

Mastering the art of presentations is an important part of real estate services business. No matter what it is about, make it the best out of the bunch so you can blow the competition out of the water. Remember, you only get one shot at making that first amazing and lasting impression.

Always be ready for the loss in the real estate services business and make sure that you have a solid plan at such time. It is not a very big deal to have a loss in the business but you must be able to recover from the loss with great ease.

If you are already utilizing a mailing list, consider sending your consumers a blast. For example, you can invite them to view a special, secret website. Confirm to create an interesting name for the site you create. These emails will generate strong interest and assist create the urgency to buy based on the limited time nature of the deal offered. For a relatively small fee, you can set up these services and enjoy the benefits.

Running a real estate services business means a tremendous amount of financial planning because if you can't crunch your numbers your business will have to face rough weather. The best way to go about is to plan and then go and find ways to match those numbers. You'll notice a distinct rise in profits as your focus also increases.




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The Bankruptcy Means Test

By Mitchell Sussman


Because of perceived abuses in the bankruptcy system, in 2005 Congress passed the "Bankruptcy Abuse Prevention and Consumer Protection Act." An important provision of this Congressional enactment was the addition of a "means test" designed to prevent higher income earners from filing Chapter 7 bankruptcy.

"Means test" is term that is frequently heard today in the context of social security reform. Essentially a "means test" is designed as a qualifier to determine the right to certain benefits. In the context of social security reform, if a person is old enough to obtain social security benefits but has sufficient financial means to comfortably retire, then that person will not be able to receive social security benefits from the government upon retirement.

In a Chapter 7 bankruptcy, the "means test" acts in the same way as that in the social security reform. The bankruptcy "means test" determines whether an individual's monthly income is too high qualify for a Chapter 7 bankruptcy.

Under the bankruptcy "means test," the court looks at the debtor's average income for the 6 months prior to filing and compares it to the median income for that state. It then deducts monthly expenses to arrive at monthly net disposable income. The higher the net disposable income, the more likely you won't be allowed to use Chapter 7 bankruptcy.

Median income levels vary by state, county, metropolitan area and household size. Each zip code in a metropolitan area may have different allowed amounts for categories of expenses: basic necessities, housing, and transportation and the like.

A Chapter 7 "means test" doesn't require that you be penniless in order to be eligible to file a Chapter 7 bankruptcy. You can earn significant monthly income and still qualify for Chapter 7 bankruptcy. But you will have to have a lot of expenses, such as a high mortgage payment.

High income earners who fail the means test, however, may not use Chapter 7 bankruptcy to wipe out their debts altogether. They can use one of the other bankruptcy chapters, Chapter 13 or Chapter 11, to repay a portion of their debts. But they cannot use Chapter 7 to wipe out all their debts.

There are two very important exceptions to the requirement that a Chapter 7 filer pass the "means test." The first is Social Security income, which is not to be considered in the "means test" calculation.

The second and more important is that non - consumer or business debtors are not required to even take the "means test." This means that a self - employed business person whose debts are primarily business related debts can make $100,000.00 or more per month and still file a Chapter 7 bankruptcy.

Where this second exception gets a little tricky is defining what is a consumer - versus - business debt. Typically consumer debts are incurred for personal, family or household purposes. Such things as credit cards, personal loans, medical bills and residential real estate loans are considered consumer debts.

Non - consumer debts are those that are incurred for a profit motive. Business related credit cards, business loans, business vehicles, business creditors, vendors and the like.

Furthermore, in the context of real estate debt, there is a gray area involving non - owner occupied real estate. Clearly, a real estate investor who as a regular course of business buys, sells and rents real estate would have his non - owner occupied real estate debts characterized as business not consumer debt. But what of the "flipper" who ran up real estate debts before the recent decline in the real estate market?

There are many, many individuals out there with more than one piece of real estate. If you are one of those individuals, chances are that you will be able to discharge all that debt in a Chapter 7 bankruptcy, regardless of your current monthly income and regardless of whether or not you can pass the "means test."

If you are burdened by the weight of negative equity, you should consult with an experienced bankruptcy attorney in your area to see if you qualify for a Chapter 7 bankruptcy.




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Hiring San Diego Real Estate Appraisers

By Cathy Mercer


The actual process of appraising a real estate involves estimating its market value. The appraisal job is always assigned to professional assessors who conduct price estimation and negotiate deals with potential buyers in demand of real estate assets. Given the inconsistency of property prices, appraisal is still viewed as the proper way of carrying out transactions in real estates. For the residents of San Diego real estate appraisers are in quite a number in the area.

There are two categories of the appraisers, namely the commercial and residential appraisers. The former specialize in transacting assets that are designed for commercial uses, including hotels, stores and offices. On the other hand, the latter specialize in transacting properties designed for living purposes.

Majorly, the evaluators deal with property duplexes that can house a range of one to four family units. In a more general view, they can be claimed to be property managers because they perform all management requirements in the estates. This may include conducting frequent visits and inspection roles for evaluating all development errands of the entire estate. In addition, they inspect new and existing assets in order to distinguish unique characteristics of different properties.

The appraisers try to estimate market values of real assets such as land and buildings before being taxed, sold, insured, or conducting any other advancement program on them. As such, they also need to verify the legal descriptions of the assets with regard to the public records. For the sake of exhibitions and advertisements, evaluators take pictures of the entire property and display them to potential buyers.

They are required to document the properties in records that can be used for reference and amending the price markets in line with demand shifts. This means that they need to draft and monitor the existing data of all properties in a particular estate. The appraisal work is a demanding task that requires the professionals to abide by the professional provisions of their duties.

Most importantly, they must posses a state license that certifies them as qualified professionals. For instance, an appraiser must meet the minimum education qualification for managing property. Being an extensively demanding job, the appraisal job dictates that assessors must be flexible and sensitive to specific demands of each duty assigned to them.

An appraiser must be specialized in his area of qualification such as commercial appraisal and residential appraisal. Transparency would always assist them in estimating market prices and striking deals with potential buyers of real properties. Similarly, networking is a crucial tool that would help evaluators in seeking clients. In the same manner, honesty and sincerity enhances their attempts of luring more clients.

All of these attributes go in hand with trust of clients who may be willing to acquire their services. In case of complications and irregularities, the evaluators should consult state laws in order to portray fairness of their deals. Relaxed and calm approach to duties ensures that they are able to handle various hurdles and pressure from clients. Being open-minded is also an important virtue that can assist them in their property evaluation and inspection roles. You can get good San Diego real estate appraisers by conducting search over the Web.




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Thursday, August 1, 2013

Marketing Is Easy Once You Implement These Ideas For Your Insurance Services Business

By Joseph Yew


The way to keep building on a stronger customer base for your insurance consulting business is a two-pronged process. You need some creative ideas to help you through with this. Read on to find out what exactly.

Keeping up with the newest insurance consulting business tools can help your business to stay modern. Foursquare is a relatively new phone application that gives you the option to reward customers for frequently "checking in" to your business. Giving customers rewards for frequently visiting is a great way to encourage them to come back.

No matter how many products you sell, you will probably have one that is the most popular and brings in a lot of your profits. Creating your own star product can be a great way to stand out from the crowd and make it so that customers do not have a choice but to come to your insurance consulting business.

Always confirm that your products are delivered on time in the market so that your customer's needs are met on time. If there is any delay in the delivery of your products, you will not only lose your customers but your goodwill too.

Insurance Services Business cards are a classic, yet effective, way of getting your name out there. They can be handy reminders of your insurance agency lest customers get distracted and forget about you. See if you can get some for your insurance consulting business.

If you want to forge a partnership with another insurance consulting business, choose collaborators that have a good reputation and are flourishing within their field. Make sure you know a bit about their insurance agency before you proceed.

Without customers, you cannot sell anything at your insurance consulting business. However, customers do not come if they do not know about your business. Finding free ways to advertise is very important when your business is just starting out. Online directories are usually free and will lead a lot of people to your insurance agency.

Your insurance agency should always operate on a level that is full of energy. Imagine walking into a store and seeing employees looking depressed and dejected. Would you want to shop there? Probably not! Impress upon your employees that they should smile and show enthusiasm at all times.

Car magnets can put your insurance consulting business in front of hundreds of drivers every day. Put them on insurance agency vehicles and the roadways become free promotion platforms. I'd suggest using a van, placing the magnet on the driver's side and including your logo.

The customer is the real boss of your insurance consulting business. It is important to learn this if you want to be successful. Treat your employees like a family member: listen to them even if it's something you don't want to hear.




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Home Buyer's Moving Tips

By Tom Vanleen


When you purchase that first home, there can be a lot of excitement, but getting ready for a move can be very stressful.

It consumes a lot of your time, because you are packing up all the contents of where you live now. Quite often, people are surprised by the amount of time needed to get things ready to go and organized. Ahead of time, make sure that you prepare everything for your move. You'll find that everything goes smoother if you plan ahead and keep everything organized. Keep all the important documents in an easily accessible place so you don't lose them in the move. To make sure so that everything is ready to be loaded up on moving day, have your apartment or old home staged. As you move from one home to another, simple preparation will save time and make everything easier.

For each person, create a single suitcase or backpack filled with all the necessities you would need if you were going on a 3-day vacation. This includes 3 changes of clothes that you can either unpack in or go to work in, depending on your schedule, plus toiletries, prescriptions, eyeglasses, and other vital items. Keep these items separated from the rest of the things packed and handy for when you arrive, so if anything else is missing, you will at least have the necessities handy.

Similarly, have an "open me first" box for each room, clearly labeled in red instead of black ink, holding the things you want to have immediately available as soon as you arrive. For the bathroom, this might be soap, towels and toilet paper; for the kitchen it's the coffee maker and paper cups, plates and flatware; etc. This will make your first 24 hours in the new place much simpler.

You're going to be better off if you move less. If possible, you should put off big purchases, such as appliances and furniture, until you have moved. Moving long distances can get expensive because you will end up paying based on weight. If you can avoid those big purchases until you are set up in your new home, you'll save a lot of money and trouble as you move. If it's been at least one year and you haven't used something, it's wise to lighten your load when moving by discarding it.

Items you don't need can take up a lot of space, although it's easy to amass them over time. Donate them to charity, gift them, or have a garage sale. You'll save yourself a huge amount of work when moving day arrives if you have eliminated items you don't want or need.

Find babysitters to help out with children to give you some time to pack. Get help on moving day too, so the kids are kept away from heavy furniture moving, and avoid upset watching their favourite toys going out of the house, et cetera. If you can, send your pets to a boarding house for the day, because the doors are going to be open a lot.

Moving can be challenging, especially for first time home buyer's. Remember these tips to give yourself a smooth moving day, and you'll be unpacked in your new home quickly.




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Renovation Ideas To Greatly Enhance Your Condominium Unit

By Roger Sullivan


There's nothing a lot better than having your personal space to beautify and design, even when the condo unit is just little for men and women who reside in it. You may do whatever you like with your interiors and this is a really exciting part of having your own unit. You may paint your unit baby pink and no person will say you're odd because it's your space!

However as many interior designers point out, the ideal way to make improvements to an interior space is to repaint the inner walls. There are various methods to enhance your condominium and repainting your interior walls is just one way. Here are some other creative ideas to change the look of your condo:

Evaluate your place and plan in advance. Think about a theme which you intend to adhere to; and through this theme think about methods to enhance your living space. For instance, your theme is patriotic; you could want to use a red, white and blue wall, a red sofa with blue or white cushions or you could pick patriotic collectible figurines or photos for various areas of your condominium unit.

In addition to a fresh coat of paint, a different way to improve your interiors is to open up your room by improving upon your windows. Use artistic valances, wooden or bamboo blinds, colourful draperies and some other window treatments. Window treatments will enhance the appearance of your rooms.

Carpets and flooring might also be enhanced even with just a little finance. The appearance of your modest condo interior unit could be upgraded with carpets, mats, floor tiles and hardwood flooring. Make certain though to hire a professional in dealing with wooden or hardwood floors and if you want to fit natural stone flooring.

Shelving units are ideal for tidying up your room. This is another alternative in improving the appearance of your condo unit. Storage shelves are also good ideas to partition a condominium into a number of areas such as a receiving area, a family room and a distinct place where you could rest or unwind. In living in a little unit or a studio unit, shelves are great room partitioning.

Mirrors may additionally make the area brighter, appear bigger and more stylish. You may utilize large mirrors to greatly enhance your condo unit entirely because mirrors trick the eye into believing that the room or area is larger sized. You might furthermore place mirrors in kitchens, sleeping quarters and along the halls to produce an illusion that there is considerably more space in a room.

The use of appropriate lighting is another way to lift up the appeal of your condo unit. Employ lamps in special areas which you would like to get noticed whereas mood lighting fixture are much better located in the corners. Avoid using chandeliers and large lighting accessories that will only make the place seem smaller.




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