Heidelberg Real Estate

Structured trade finance (STF), a type of debt finance, is used as an alternative to conventional lending. This form of finance is utilized regularly in developing countries, as well as, in relation to cross border transactions. The objective is to encourage trade by making use of non-standard security. STF is generally used in high-value transactions in bilateral trading relationships. As a more complicated type of finance, STF is commonly related to commodity trading.

Within the commodity sector, STF products are most prevalent. It is used by producers, processors, traders, as well as, end-users. These financial arrangements are tailored by banking organizations to meet the precise needs of the clients. STF products are primarily working capital financing, warehouse financing and pre-export financing. There are also some institutions that extend reserve-based lending, as well as, finance the conversion of raw materials into products, along with other customized finance products. In order to promote trading activities, STF products are extended across the supply chain.

STF structures are sponsored by limited recourse trade finance lines. The structure aims at offering better security mechanism and to act as an enhancement on the position of the borrower when viewed in isolation.

How Has Technological Advancements Complemented STF?

Trade credit insurance, bank assurances, letters of credit, factoring and forfeiting are some of the STF products that have been positively affected by the latest technological advancements. These products have changed due the recent developments. The massive progress in communication and information domains have also helped the banking institutions to track the physical risks and events in the supply chain between the exporter and the importer.

Why are STF Facilities Used?

Structured trade finance products are used so that the risks related to trading in specific country and different jurisdictions can be mitigated. Any transaction together with STF products help to add resilience to the trade and the same cannot be said when looking at financing the individual elements of a trade. Moreover, it allows for lengthening the payment time, strategizing procurement, diversifying funding and enhancing the ability for clients to boost the facility sizes.

What makes STF extremely attractive is that the borrower’s strength in the transaction is not scrutinized as closely as compared to a vanilla loan. Here, the focus is more on the structure and the underlying cash flows. Another reason for STF’s popularity is that the transactions are not reflected in the balance sheet of a company and the presence of this financing option has helped several importers to maintain flexible credit terms with exporters.

In recent years, structured trade finance products coupled with the recent advances in technology are considered as the fundamental reasons for the increasing volumes of international trade.

Immobilienmakler Heidelberg

Makler Heidelberg

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

Purchasing a home will probably be one of the most significant purchases you will make in your life. You sign piles of paperwork for both the loan and purchase of the property itself. This purchase also involves the law of real property, which raises special and unique issues of practice and issues not present in other transactions. As a result, some states have begun certifying lawyers as „Real Property Specialists“ because a real estate lawyer is trained to address these problems. The home-buying process seems simple on the surface and leaves many people asking this question: „Do I really need to hire a real estate attorney?“

The purchase agreement may be the single most important document handled during the transaction. Sure, pre-printed electronic forms are helpful, but a lawyer can explain the forms and make changes and/or additions per the buyer’s and seller’s requests. Some typical issues that are commonly addressed in the purchase agreement are the following:

– What happens if the property is found to contain hazardous waste materials?

– What are the legal ramifications if the closing does not take place as scheduled? What happens to the down payment? (This question goes on to raise additional related questions: Will the down payment be held in escrow by a lawyer? How is the payment going to be made? Will the closing be appropriately conditional upon the buyer obtaining financing?)

– What happens if termites, asbestos, or lead-based paint is found upon inspection of the property?

– If the property is altered or an addition has been added, was it done lawfully?

– If the buyer intends to change the property, can the proposed plans be done lawfully?

If the sellers seem unreasonable or request something unusual, that is typically a good time to call for counsel. An attorney can serve as great backup for a real estate agent, and they can translate the legal jargon presented to you in the mounds of paperwork. Brokers and escrow agents do not get paid until the closing occurs, so if something goes awry at closing, they are naturally inclined to encourage you to sign the papers and close instead of creating a hiccup. For example, if you find a title defect on closing day, you need someone there to inform you of what your rights are. Alternatively, the seller may make promises to remedy problems on the property but still push to get the closing done. These promises need to be put into a contract and approved by an attorney.

Perhaps the single most important reason to be represented by a real estate lawyer is to resolve the conflicting interests of the parties involved. Buyers and sellers are often at odds throughout the entire process. Generally, the agent is representing the seller, while the lender is obtained by the buyer. Unfortunately, neither of them can provide legal counsel. Seeking an attorney to protect your own interests is a very good idea from the time you decide to sell or buy a home until the time of the actual closing.

Immobilienmakler Heidelberg

Makler Heidelberg

Admit it or not, finding clients on the vast real estate market is very challenging. It is challenged by the existence of big real estate firms which employ hundreds of experienced real estate agents on their teams. If you are a newbie, you could easily be swallowed by the efforts exerted by the established firms. But have you ever think that they also started out as rookies in the field? If you are in this situation, here are some tips to at least give you a leverage on finding the right clients for you.

Create your own circle of offline connections and influences. As much as the online world is essential to widen your connections, the offline connections and influences is equally essential. Start with your family and friends. Then add your past classmates even those from your elementary days whom you still remember. Your teachers can be great additions. Move on to those whom you are tapping services as professionals such as your doctors, dentists, hair stylists, pet groomers and fitness coaches. The parents of your children’s classmates and friends can also expand your offline connections. If you have business contacts, add them as well. Don’t forget your neighbors. They can be great sources of referrals.

Build a better online network of friends. Through social media, you, as a real estate agent is bestowed greater power to enhance online connections. Your network can be a greater web of interconnected persons starting with your family members down to their own friends, acquaintances, friend of friends, and so on. Before you notice it, your network has expanded to include professionals of diverse titles not only in your locality but also in adjacent towns and nearby cities. If you think they are not relevant, you may be wrong with the impression. Anyone in your online network of friends can always be a great source of referral even those who you seldom see to be adding activities in their social media accounts.

Send mailers, both online and offline. Now that you have established both your online and offline connections, it is time to introduce yourself as the rookie real estate agent. For offline mailers, be sure to have a formal tone. Give your full name, license number, the firm you are connected too, its address, and contact numbers of you and the firm. Inform them of the services you are offering.

For online mailers, the same can be followed. But since it is an electronic form, you may want to add some enhanced graphics and video.

Create your own website. For personal branding, having an own website is an essential. This is where you can provide listings, value added services, frequently asked questions, and even informational articles that can help spark the interest of your potential clients. Support it with a blog, and connect it with your social media accounts in different real estate online platforms.

Immobilienmakler Heidelberg

Makler Heidelberg

Yes, you read the title of this article right! Three overlooked causes of serious health problems are having a detrimental impact on the health of employees and customers. Fortunately, important research is bringing these vital business health concerns to light. According to a landmark 2018 report from the World Health Organization (WHO), leading Social Determinants of Health (SDoH) in homes and businesses are:

* Environmental noise;

* Air quality; and

* Water quality.

Governmental health agencies worldwide are actively studying SDoH using advanced cloud-based Artificial Intelligence (AI) systems. This article will discuss the importance of these findings on business owners. Other articles in this series will present inexpensive methods for improving health in polluted business environments.

Environmental Noise

Both indoor and outdoor factors contribute to the level of noise in homes and businesses. Indoor sources of noise include ventilation systems, white noise machines, and appliances and other machines. Outdoor sources of noise include cars, trucks, airplanes, playgrounds, schools, and construction and other urban activities.

According to the WHO report, the expansion of urban activities, highways, airports, and low-quality building construction increases the level of noise that people are exposed to in homes and businesses. All told, these factors are known as „environmental noise.“

In addition to hearing loss and lack of sleep, SDoH studies have revealed that excess noise has other detrimental effects on health. Guidelines based on AI analysis of SDoH found that the relative risk for death by heart attack or stroke increases 14% for every 10 dBA increase above the annual average of 45 dBA daytime and 35 dBA nighttime.

For example, a 50 dBA turbine installation that meets current US and EU standards, running all day, every day imposes a 7% increased risk of heart attack and stroke annually on people exposed to the turbine’s noise.

Since the typical business office „cruises along“ at 55 dBA, it’s easy to see the negative effects that noise is having on employees‘ health!

Consequently, WHO noise guidelines of 45 dBA day and night will soon be adopted in the US by the NIH, HUD, NIOSH, EPA, and HHS. This means it behooves businesses to proactively implement measures for reducing noise.

Air Quality

As opposed to noise, poor air and water quality are more „silent killers.“ In business, owners are responsible for providing a healthy workplace by ensuring proper building construction and maintenance. Management of moisture requires proper control of temperatures and ventilation to avoid excess humidity, condensation on surfaces and excess moisture in materials. Ventilation should be distributed effectively throughout spaces, and stagnant air zones avoided.

Poor indoor air quality (IAQ) can also result from the presence of furnishings and building materials containing toxins such as formaldehyde, benzene, radon, and others. According to the Occupational Safety and Health Administration (OSHA), poor indoor air quality (IAQ) has been linked to certain diseases like asthma. In addition, substances such as asbestos and radon do not cause immediate symptoms but can lead to cancer after many years of exposure. Poor outdoor air quality results from vehicle exhaust, industrial pollution, commercial manufacturers and construction sites.

Poor air quality is a major health concern. Like noise, AI analysis found increased risk of serious stroke and fatal heart attacks when poor air quality (indoor and outdoor) is present. AI analysis of SDoH found that the relative risk for death by heart attack or stroke increases 14% when you live and work breathing poor quality indoor and outdoor air.

Water Quality

Significant adverse health effects have been associated with inadequate plumbing systems in businesses and homes stemming from poor design, incorrect installation, alterations, and inadequate maintenance.

Numerous factors affect the quality of water within a building’s piped distribution system. Poorly designed plumbing systems, for instance, can cause stagnation of water and provide a suitable environment for the proliferation of Legionella.

Moreover, improper plumbing materials, pipes, fittings and coatings can result in elevated concentrations of lead in drinking-water, and inappropriate materials can be conducive to bacterial growth.

According to the EPA, there is evidence that several metals found in drinking water (such as lead and arsenic) may contribute to heart disease or aggravate its symptoms. In addition, Stroke reports that even low exposure to arsenic is associated with an increased risk of stroke. To the surprise of investigators, AI analysis of SDoH found that the relative risk for death by heart attack or stroke increases 14% when you live and work where you drink or breathe (yes breathe) poor quality water. Researchers discovered that toxins such as lead, arsenic and even radon can be found in municipal and well water in quantities 100 times or more than found in poor quality air. Of even greater concern is that even if you do not drink the water coming from the faucet at home and work, the water that is aerosolized while running that faucet to wash your hands and aerosolized when flushing the toilet can carry enough contaminants to increase your risk of heart attack and stroke.

Summary

In conclusion, excessive environmental noise, poor air quality, and poor water quality can all lead to serious health conditions, including heart disease and stroke. When these Social Determinants of Health (SDoH) are present in your businesses, they can quite literally be killing your employees and customers. Now that the findings are in, the next step for business owners is action.

Immobilienmakler Heidelberg

Makler Heidelberg

Long distance transport for the older horse

The details for preparing an older horse for a long trip are pretty much the same to move any horse long-distance, remembering that the recovery time for an older horse is longer than for a younger horse. Here are the steps to keep a horse safe and to make it a good experience. First let’s talk about the things that you should not do before setting off on a long trip. It is never a good idea to trim your horse’s feet or to vaccinate them a couple days before transport. How many times have we seen horses become footsore because of that trim. And of course, older horses have a higher chance of running a temperature after being vaccinated. If your horse requires a rabies certificate or requires new shoes, please do it several days prior to shipping.

The day of shipping, particularly when it is warm outside, to not grain your horse. Even with slight dehydration, a horse can impact colic from undigested grain in their system. Another note here, horses that are not great shippers have a higher incidence of ulcers. Transport can be highly stressful. Many horse vets recommend medications like Gastrogard to reduce the ulcer risk.

We’ll spend some time here talking about you transporting your horse. Later in the article I’ll have some thoughts about what to expect for your older horse by shipping with a commercial carrier. After you have successfully loaded your horse, one of the most important things you can do is to make their journey comfortable. You should not keep them tied. This prevents them from dropping their heads and keeping their sinuses clear, leading to congestion and possible pneumonia. Next, bring a sufficient supply of hay that they have been eating. Just as we are careful to slowly switch our horses from old hay to new hay at the barn, it is also important to be careful here, and not switch hay, if at all possible.

I recently transported a yearling filly The folks where I picked her up went out to the grain store and bought hay to go with her. It was not the hay that she was used to and she had loose poops as a result. It’s also important to have water available for your horse too. Most horses will not drink in the first 12 hours of transit. Particularly when it’s hot it is important to have water in front of them. We hang a Foraflex bucket and fill it half full while we are moving.

I recommend that you carry water that the horse is used to. It is not always possible but like hay it’s important to keep them eating and drinking the same things they used to at home. It’s also important carry water with you when it is hot weather, if for any reason you are delayed in transit. The last two things to consider when moving your horse cross country are blanketing in winter and rest. I encourage my clients to put a sweat sheet beneath the blanket. That way if the horse is a little upset and sweats up, the sweat has a chance to be wicked away from the body and not stay in the blanket and give them a chill. There are many thoughts about resting the horse in transit.

One is to stop for an hour every four hours to let the horse rest. Recently a study done at Texas A&M found that short periods of rest were not effective. Because I transport horses alone I need to stop each day for an eight hour rest period.

This gives the horses a chance to rest and recover and rehydrate. They come off the trailer fresh at the end of the journey. If time is not an issue and you want your horse off the trailer overnight, I recommend websites like HorseTrip.com that lists horse hotels across the country.

I wanted to take a moment to discuss commercial carriers and how they operate. Most commercial carriers have two drivers, and so equipment really never stops moving. Horses never get a chance to rest and recover. Also many carriers, never give horses their head, but keep them tied. Horses finish their trip often exhausted, dehydrated, and even sick. There are many trucking companies out there that the drivers are just that, drivers not horseman. They’re hauling freight, not horses. The other thing that happens with long-distance commercial carriers is that they don’t take the most direct route. Most recent example I can give you was a transport that I bid on and the person who bought the horse decided to have another hauler to the work, because he was cheaper. What the hauler did not tell him when he picked the horse up in Georgia to go to New York was that he was going via Texas.

Two things occurred here. First, the horse was coming from warmer climate to a winter climate and should have been blanketed for the second half of the trip. And second, the trucker did not tell the client that he was not taking the most direct route. The horse was on the trailer three days longer than necessary, exhausted and sick. So much for saving a couple hundred bucks for the transport. So when you need to use a commercial hauler there a couple of things that you should ask and get answered. First, is it the most direct route possible and second, you need at least three references. I What you horse reaches its destination. It is important to give them at least one day of no work to recover from the trip, and two days with no work is even better. I also suggest that y u give them a full day to rehydrate and not feed to any grain.

That’s it from here. Safe travel.

Immobilienmakler Heidelberg

Makler Heidelberg

1. Time is money when selling your home

After you’ve made the decision to sell your home, the longer it remains unsold on the market, the more it costs you. Many home sellers feel it’s very important to receive close to their full asking price. But they overlook the additional months of carrying costs, such as mortgage interest, property taxes and maintenance. I’ve seen homes remain unsold on the market for years! Obviously, those home sellers are not highly motivated to sell. If they’ve already moved to their new home, maintaining a vacant, overpriced house can be very expensive, usually costing $1,000 or more each month the home remains unsold.

2. Get your home into near-model home condition

Most home buyers today want to purchase a home which is in basically good condition and does not need major fix-up work. This is called a „red ribbon deal“ home because it’s like a gift wrapped with red ribbon.

There are few buyers for fixer-upper houses–and they want bargain prices to compensate for the necessary work. The goal of home sellers who want to sell fast for top dollar must be to get the home into near-model home condition. However, spending major money is not required. Most homes just need basic, inexpensive work to get the residence into very good condition where all the buyer must do is turn the key in the door and move in.

3. The reason most homes don’t sell–they are overpriced!

Many home sellers want to set their asking prices above what their realty agent recommends. These sellers often hope an out-of-town buyer will overpay for their home. That rarely happens! There are several reasons, such as buyer’s agents who look out for their buyers, competitive listings which are realistically priced close to market value, and lender’s appraisals which reflect market value. Buyers quickly become experts on home values after they’ve inspected a dozen or more similar homes in the vicinity. They rarely overpay. Most homes have a „range of values.“ Many factors influence this range of values–such as local economic conditions, the home’s location, supply of similar homes in the same price range listed for sale, number of buyers currently in the marketplace, the physical condition of the home, the skill of your realty agent to properly market the home to as many prospective buyers as possible, the financing available, quality of the local school district (the best schools create home buyer demand), and the desirability of your home compared to other nearby homes now available for sale.

4. Be flexible–don’t get greedy

If you’re just testing the market and will sell your home only if you get your inflated asking price, then you’re not a serious motivated seller. However, if you are motivated to sell, the best attitude is to be flexible, don’t get greedy and don’t insist on receiving the last dollar of profit. Instead, consider all purchase offers which are presented. No matter how low and insulting the purchase offer might be, make a counteroffer! After several days or even weeks of counteroffer negotiation back and forth, home sales often result. But sellers who are inflexible and don’t make counteroffers have only themselves to blame when their home doesn’t sell because they are inflexible and greedy.

5. Get out of the house!

Finally, if you listed your home for sale with a professional realty agent, let that person (or a buyer’s agent) do their job. Whenever you know an agent is bringing a prospective buyer to inspect your home, even on short notice, get out of the house! There’s a very good reason you don’t want to meet the prospective buyer.

Experienced realty agents will tell you that until a buyer criticizes a residence, he or she is not a serious buyer. If the seller is hovering nearby, the prospect usually will not criticize your home. Instead, he or she will look at it and leave without making a commitment to that possible future residence. Also, the buyer’s agent won’t comment about the pros and cons of the house if the seller is within hearing range. Even if you just walk around the block 10 times while a buyer inspects your home, get out! Also, get your pets out–there is nothing worse than an offensive pet (or pet smell) to chill prospective home buyers from quickly buying your home for top dollar.

Immobilienmakler Heidelberg

Makler Heidelberg

The Grand Opening party of the newly renovated Albion Hotel in Lake Eden, Minnesota, is the crime scene in the latest Hannah Swensen caper, „Red Velvet Cupcake Murder,“ by Joannne Fluke.

Townspeople gather in early June to celebrate in the Red Velvet Lounge. Hannah and her business partner, Lisa Herman Beeseman, own The Cookie Jar, the hamlet’s popular coffee shop. They cater desserts for the affair, including their delicious Red Velvet Surprise Cupcakes.

Amidst the gala, Hannah’s sister, and town realtor, Andrea, promotes the hotel’s available condos, and opulent penthouse, featuring its own elevator, a spectacular view of Lake Eden; and a huge tropical garden and Jacuzzi.

The penthouse, under final renovations, awaits delivery and placement of its massive climate-controlled dome. Safety sawhorses prevent penthouse visitors from moving too close to the building’s edge.

Partygoer, Barbara Connelly, excitedly tours the penthouse to locate her residence from atop the hotel.

Soon, revelers see Barbara’s body whizz past the hotel lounge windows, ultimately landing face down in the rose bushes. Barbara is rushed to Lake Eden Memorial Hospital for care.

At 4 a.m. Hannah groggily receives a soon-to-be disconnected call from a woman believed to be Barbara shouting, „He tried to kill me!“ And Hannah’s off to solve another Lake Eden mystery.

Who wants Barbara Connelly dead? And why?

When Hannah questions Barbara in the hospital, she’s adamant that her brother is the culprit.

But how could he be when she’s an only child?

Complicating matters is Barbara’s request to see her father, who, along with her mother, died years ago.

Minneapolis moneyman, Roger Dalworth paid for the Albion Hotel’s renovations. He attends the grand opening with his new flame, dentist Doctor Bev. He’s also in town visiting his wealthy, terminally ill father, Warren Dalworth.

The town’s abuzz because Doctor Bev, a renowned gold digger, once lived in Lake Eden; and twice became a fiancée of Norman Rhodes, a current romantic interest of Hannah’s.

Doctor Bev brazenly brags about her latest conquest in Roger Dalworth; and haughtily displays his tokens of love, including a new red Maserati convertible.

On a subsequent drive to visit Hannah in the hospital, Hannah’s route takes her past Miller’s Pond. There she discovers a submerged car and instinctively swims to check for passengers.

Astonished, Hannah realizes it’s Doctor Bev’s sports car; and that she’s still behind the wheel. Hannah laboriously pulls Doctor Bev to land; yet her attempts to save her are unsuccessful.

Detective Mike Kingston, who also vies for Hannah’s affections, must confront her in an uncomfortable, official manner when he names Hannah as the prime suspect in Doctor Bev’s death.

Doctor Bev had ordered Hannah’s Red Velvet Surprise Cupcakes to take to the viewing of the penthouse dome being placed that afternoon. Toxicology tests showed she died before crashing into the pond from a potent tranquilizer. Her stomach contents consisted only of coffee creamer, artificial sweetener, and Hannah’s cupcakes.

In tradition, crowds gather at The Cookie Jar to hear Lisa entertain them with exciting details of the latest crime Hannah’s determined to solve. It’s standing room only since Hannah’s the prime suspect.

Soon, Hannah confronts the person who attempted to kill Barbara; and the thrilling conclusion begins.

Fluke’s narrative includes small town chat that reflects worldwide wisdom, in lines like, “ When you get used to seeing something, you just take it for granted until it’s not there anymore;“ and her signature recipes too.

Her flawless writing allows new readers to quickly bond with Lake Eden’s residents; and piques interest in experiencing her previous murder mysteries. „Red Velvet Cupcake Murder“ is a treat for both your mind and mouth.

If you enjoy reading fictional, small town, murder mysteries, complemented with tasty recipes, check out the series of books by Ann B. Ross. Miss Julia is the main character living in Abbotsville, North Carolina. Visit: Http://www.MissJulia.com.

Immobilienmakler Heidelberg

Makler Heidelberg

Take the First Step to Buying the Home that Fits Your Needs

First-time home buyers are often times discombobulated when selecting their home. Strategizing and planning are essential ways to simplify the process. The first step would be to sit down and list what is important to you in a home. Defining your personal needs will help alleviate any confusion when touring homes. Ask yourself about your future plans. Do you want to start a family? If so, what can you anticipate their needs? Think about where you would like to live. Which neighborhood is right for you? Think about what local amenities you would like to have near your home.

Get an idea of your finances by visiting your bank or accountant. Finding out exactly how much you can spend will not only save you money, but also put you in control over your finances. After you have constructed your comprehensive list, then it is time to find a realtor.

Finding the Right Realtor Will Save You Time and Money

Searching for a realtor who will listen and take your personal needs in account will be the driving force behind finding your perfect home. There are many ways to accomplish this goal by attending open houses and getting realtors‘ business cards and asking friends and family members for recommendations. The next step is to sit down with the realtor for an interview. During your initial meeting, you want to gain as much professional knowledge you can about the individual. Establishing a rapport and enjoying their demeanor is also part of this first meeting. If things have clicked, then proceed with your request for their services. Realtors only know as much as you tell them, so when relaying your description for your dream home, be sure to include all relevant information. Bringing in pictures you may have found in magazines or real estate guides will also be beneficial. Once they have all your information, the process of home tours begins.

Successful Home Searches Can Be Easy

Before you visit your first potential home there are a few materials to bring to expedite the home searching endeavor. Bringing a camera allows you to document your experience for future review. Be sure to take close-up pictures of decorative trim or any fine craftsmanship. Bring a notebook and take down information about the house and the neighborhood. After visiting, look up the neighborhood’s statistics and information. You will learn a lot about your neighborhood’s amenities, restaurants, school systems, and community centers. See if the community matches up with your needs. Afterward, you will want to narrow down your search to a couple houses. Schedule to view the homes at least twice. Feeling confident about your choice is important, and gaining as much information about the home’s history will help you make your decision. Realtors are required to give you the full breadth of a home’s past, so ask as many questions as you can.

The day will come when you finally purchase a home. If you follow these steps, then you have done your best to ensure that your new home provides a lifetime of happiness.

Immobilienmakler Heidelberg

Makler Heidelberg

Did you know that over 88% of all house buyers search for their house by looking on the internet? The internet has become the primary medium for potential buyers to search for a house. Using the internet to market your house is a comprehensive mass marketing approach to selling a house. And when selling your house on your own you need to take an all out approach so you can distribute the message that your house is for sale to the masses. You also need the message to be loud, clear and appealing. There are many websites that can assist you in selling your house, though some are more effective than others, and these websites will get you as much exposure as any real estate agent will get you. Regardless of what website you do choose to use, make sure you have great pictures and a great virtual tour to upload to the website. Great photos and virtual tours sell houses.

Since 88% or more of potential buyers will use the internet to search for their next house, it is clear you need to focus your attention to internet marketing and make sure you are marketing in all the right places. So where do you market on the internet? Don’t waste your time marketing in places where your house listing will get mediocre or zero exposure. Based on years of experience we recommend you only market on effective internet websites that have been proven to get mass exposure and successfully sell houses. We have many websites to recommend, but there are a few that stand out. Most of which are FREE.

The first place to market your house is Craigslist, which has become an excellent online classified resource used to sell real estate. Make sure your headlines and ads sparkle and the content of the classified is clear and detailed. Make sure you respond quickly to inquiries since internet prospects will continue to look for houses to see what else is around the bend.

The second website is Facebook, which now has over 140 million unique visitors in the U.S. and can give you incredible trustworthy exposure. You can share your listing with your friends or create a separate new page specifically for your house.

The third effective internet resource to market your house is Postlets, which is a website service that automatically posts your house listing on many other online websites. It’s easy to use and gives you great exposure to the masses.

The fourth are for sale by owner websites, also known as „FSBO“ websites. FSBO Websites are the Do-It-Yourself option that allows you to market your house listing through the Multiple Listing Service („MLS“) system, which was once a place exclusive to real estate agents alone. Marketing through a FSBO website will give you the same exposure 99% of real estate agents have. And if you combine that exposure with the other places we’ve touched upon, you will outshine most real estate agents‘ marketing efforts.

Now of course there are other great places to market your house, but the ones listed will get you pointed in the right direction.

Immobilienmakler Heidelberg

Makler Heidelberg