7 Factors To Consider Before You Buy A Home!

Although, we are, presently, experiencing, a Sellers Market, in housing, which, we have never seen, in recent memory, to this extent, and, resulting, escalating, home prices, and, far – more, qualified, potential buyers, than houses, for – sale, instead, of over – reacting, etc, a smart buyer, will take the time, and make a concerted effort, to better understand, and, truly, appreciate, those significant factors, which every buyer, should! These factors, are, of course, in addition, to closely, examining, the specific features, and quality, of the house! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 7 key ones, and why, they matter.

1. Area/ region/ neighborhood: Consider, what you like, and don’t, about a specific area, region, and/ or, neighborhood! What are the strengths, weaknesses, and neutral considerations? If, you are familiar, with the area, why are you attracted to it, and what does it offer? If, you are not, do some research, speak to neighbors, and drive – around, and observe!

2. Your personal, present/ foreseeable – future considerations: Each of us, is unique, in certain ways! Since, for most, their home’s value represents, their single – biggest, financial asset, it is wise to pay keen attention, to what you are seeking, and differentiate between, your present and foreseeable – future needs, priorities, and goals, and how a specific house, might, serve your purpose! What attracts you, and not, and, why?

3. Real estate taxes: Remember, often, real estate taxes, are a significant component/ part, of your monthly costs, of home ownership! When, doing your calculations, don’t forget to seriously, consider, the impacts of these!

4. Safety/ crime: Examine the area’s relative – safety, and crime figures! For most, living in a safe neighborhood, is a most, significant factor! Look at the data, rather than, just asking someone!

5. Conveniences: How convenient is the location, especially, as it relates to your needs, and priorities? Is it, close to shopping, markets, drug stores, etc? How about access to mass transit? Is it easy and convenient, to use a car, etc?

6. School quality: If, you presently, have, or plan, to have a family/ children, or, even, if you don’t (because it affects, future resale values), examine the reliable data, regarding the quality of the local school system! Many states publish official data, etc!

7. Your personal comfort zone: What makes you feel comfortable, and how, would a particular property, enhance your enjoyment, etc? Do all the facts, fit into your personal comfort zone, especially, in terms of costs, monthly expenses, area, location, and all other relevant factors? Remember, if you aren’t comfortable, you probably, shouldn’t purchase that specific house!

Be a smarter home buyer! Consider these, and any other, personally – significant factors, carefully, before making a final decision!

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Richard Brody

How a Foreign National Can Buy Real Estate in America

Opportunities for real estate investment for foreigners is wide and varied in the United States. It doesn’t matter where you’re from and what currency you’d be using to purchase a property, you have a property waiting for you.

There are generally three kinds of real estate investment available to foreigners. These investments include the commercial estate investment and residential property investment. Residential properties are further classified into single family properties, apartments or condominiums and recreational properties. Regardless of what kind of real estate you are interested in, there are all sorts of tax ramifications, financing options and legal requirements that you have to deal with.

Why Should You Invest in the U.S. Real Estate Market?

You’ve probably heard of the increasing number of foreign real estate investments in the United States. This is not surprising. With the troubles that the real estate investment market is facing in the United States, greater opportunities in real estate investment were opened to foreign investors.

With the dollar’s value in its all time low, foreign investors are finding real estate bargains all over the United States. There are no shortages of deals in this market. More and more distressed properties are being sold everywhere and foreigners are pouring in millions buying these foreclosed or distressed properties. The United States real estate has become a fairly attractive long-term investment for foreign investors.

In November of 2006, the National Association of Realtors released a report entitled „Foreign Investments in U.S Real Estate: Current Trends and Historical Perspective“. The report showed that there has been a steady increase in foreign real estate investment in the United States. This is especially after the euro and the loonie became stronger in the face of the continuous devaluation of the US dollar. Prime bargains were opened to foreigners. Many foreigners have now looked into the possibility of retiring or settling in the United States.

If you’re a foreigner, you would find a lot of reasons why you should invest in the United States real estate market. Aside from the fact that the floating exchange rate has given you a lot of leverage over the bargaining table, the financial market is a pretty good reason why you should invest in the US real estate.

The financial market in the United States in relation to the real estate market is quite liberal and the restrictions against foreign investors are pretty reasonable. This is ideal for foreign companies that are seeking to invest in the real estate market in the United States in order to avoid tariff restrictions and are considering setting up an office or a company in the United States.

Furthermore, despite the devaluation of the US dollar and the wide foreclosures of a lot of property, the real estate market remains to be stable, though slightly shaky, due to foreign investors‘ capital appreciation. Domestic real estate buyers may not necessarily share the same opinion, but the market has remained to be strong for foreign real estate buyers. This may be largely credited to the fact that there is minimal risk for them.

Why are Foreign Real Estate Investments Safe and Profitable?

There are a lot of investments you can make, but the safest you can make right now is investing your money in real properties. This is another good reason aside from the fact that you can make a pretty nifty profit, if you like, particularly now with the widespread property foreclosures and seemingly continuous US dollar devaluation. This is especially true if you are going to use the euro or the loonie when making your investment.

But why is US real estate investment safe for foreigners?

It is undeniable that stock investments are not a safe avenue at this point. The recession has not only affected the US economy; the same recession has greatly affected worldwide stock investments. Stocks values are dropping. It is also a fact that even without the current economic situation, stock values fluctuates.

On the other hand, real estate investments are pretty stable if you would compare it to stock investments – or even bond or mutual fund investments. With real estate investment, you’d be putting your money in an investment that would grow in value as years go by.

What are the Benefits of Foreign Real Estate Investment?

US state government supports foreign investments and along this line has formulated various tax breaks to encourage foreign investment on real estate. Many of these tax breaks are not available in many countries. In fact, most countries would frown at foreigners owning real properties within their territory.

Foreign real estate investment in the United States is open to everyone. As long as you can afford to buy the property or at least comply with the mortgage requirements and payments, you can secure for yourself a pretty good property in the United States. Again, with the current economic situation of the United States, this is the perfect chance for you to make an investment.

Another great benefit that you can take advantage of is the availability of mortgage financing. Lenders have opened their doors to foreign investors who are looking into purchasing a property. So, you don’t have to actually deplete your bank account. You can actually secure a mortgage loan and gradually pay it off.

I’m Canadian, What Are My Financing Options?

There is a steady increasing rate of Canadian real estate investors in the United States; and accordingly, the government has made certain that they have attractive financing options available to them.

If you’re Canadian – or if you’re a foreigner – you’d find a lot of reasons why you should buy a piece of real property in the United States. For Canadians, the parity of the currencies or the apparent devaluation of the US dollar is a pretty good reason itself. But how do you finance your purchase?

There are various financing options available to you depending on which state you are in. In Arizona, for instance, you’d get favorable financing terms if you are purchasing a property for recreational purposes, that is, you do not derive any income or benefit from your purchase or ownership. You will be required, however, to sign up a disclosure agreement and give a 30% down payment for your loan. To qualify though for a loan, you may be required to show availability of liquid reserves for a period of three to six months. You may also be required to present a minimum of 3-month bank statement.

If you are purchasing a property for investment, you’d probably meet stricter terms. Requirements may be more stringent. For instance, you could be required to give a down payment of more than 30% and you may be required to show one year worth of liquidity reserves.

Regardless of your reasons, if you feel like you can fulfill the requirements of a financing loan, you can then proceed to actually applying for a mortgage loan. Also, keeping yourself updated with the financing terms flux may be a wise idea.

Understanding the Tax Ramifications of Real Estate Investment

The first foreigner to have ever bought a real estate property in the United States was Peter Minuit. This opened the doors to foreign real estate investors. After a couple of centuries later, foreign real estate investment has grown into huge proportions, accounting for billion-of-dollar worth of industry.

The low risk attached to US real estate market, the availability of countless properties, and the steady market liquidity attract foreign investors in droves. The initial snag, however, is the process of understanding the legal ramifications of foreign real estate investment.

What you have to understand is that foreign investment in the United States can take a lot of forms. A foreigner has various options. He can acquire direct interest. He can acquire an interest in the real estate through a partnership, a corporation, or a limited liability company. The latter is the typical structure used by foreign investors.

Limited partnership or Limited Liability Company offers financial protection or indirect asset protection, especially in cases of bankruptcy, law suits and taxes. Foreign investors are generally taxed on the property as if they hold the property in direct interest.

Ideally, you should secure the services of a real estate accountant to help you out with the tax ramifications, but it would help if you, at least, know the basics before you actually talk to an accountant.

There are tax consequences that you have to deal with when you buy a real estate in the United States. You would need an Individual Taxpayer Identification Number which you will use with all your tax transactions. Your investment in real estates can be treated as a portfolio investment and will be accounted for as an investment income which can either be fixed or a periodic income. This is typically taxed at 30% on gross revenues. This tax though does not apply though to all foreign investors. Tax rates would vary depending on the tax personality the foreign investor opted for. For instance, a corporation would be taxed differently.

Other things that you should take note of are availability and requirements of tax refunds and state tax laws on real estate properties as they may differ from federal laws, among other things.

By knowing all these things, you may save yourself from a lot of hassles when you finally approach a real estate accountant. You’d be in same wavelength when you finally get down to talking business. It is, however, very important that you secure the services of an accountant. You’d have an easier time dealing with the taxes ramifications. You’d also have assistance ensuring that you comply with all the accounting aspect of your investment. This is especially true if you are purchasing a real property for investment purposes.

Do You Need to Secure the Service of a Real Estate Lawyer?

If you are considering buying a property in the United States, you need to secure the services of a real estate attorney – someone who could help you with the legal issues concerning your purchase. It is tempting to forego securing the service of a lawyer to save money, but this could cost you a lot of money in the long run. Make sure that you have an experienced and trustworthy lawyer to help you out. Make sure that you have thoroughly checked out his credentials, profile, history of successful cases handled by him, and other factors that would influence your decision. You could check online and look for a lawyer working within the state where you are considering purchasing a property.

Functions of a Real Estate Lawyer

There is no actual distinctive function for a lawyer in a real estate case. However, you would really need the assistance of a lawyer for various tasks. A real estate lawyer would review the sales contract for you. He would also check on the title and other documents relating to the property. A lawyer would also review your mortgage contract and make the necessary adjustments or corrections. You could also get him to review with you the legal and tax issues concerning the purchase. A real estate attorney could also make the necessary adjustments relating to various expenses and costs involved in the purchase. He would assess your eligibility for tax refunds and draft the documents and statements relating to this.

Putting it simply, a real estate lawyer will be your watchdog. He would guide you through the whole process of purchasing a real estate in the United States in order to make sure that you will be legally protected. You will have a capable and trustworthy liaison to help you out with the contract. He will also face legal disputes if any arise.

Tips on How to Invest in Real Estate Successfully

Now, if you’ve fully bought into the idea of real estate investing in the United States, you might just want to know how to go about investing in real estate successfully. If you want to be successful in this venture, the first thing that you have to avoid is overanalyzing. Of course, it is a good idea to carefully think through your actions but it is a bad idea to overanalyze your investment to nonexistence. You might lose a great opportunity.

Before you purchase the property though, it might be wise to check the property value. If it sits well with you and you can reasonably afford the property, go ahead and make the purchase.

If you are considering the property for a quick flip, make sure that the property is in perfect condition and in good area. This is to ensure that you could double or actually triple your return of investment. If you can inspect the property yourself, do so. If not, a good and trustworthy agent can help you with this task.

Another important thing to remember when you’re buying real estate is good financing. You should take your time to carefully consider all your financing options. Foreign investors can email in their queries to various lending institutions. It is a good idea to make sure that you’ve had their terms and rates on paper because they tend to change these terms and charge you with a lot of junk. Your real estate agent can help you with reviewing the escrow charges.

The bottom line, however, is that it is very important that you do your homework before you actually buy a real property. Investing in real properties in the United States can be profitable especially during these times. In fact, it may be the wisest and most perfect investment you can make right now.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Maria Gudelis

How to Write a Home Sale Ad

Many people are choosing to sell their homes without a Realtor these days, a plan that can save you some serious money. Of course, your house has to actually sell before you can consider that strategy effective. Below are some tips and tricks for writing an ad that generates interesting in your house and, hopefully, leads to a sale.

o    Consider your ad options. Not very long ago, a real estate ad had only one purpose: to appear in your local newspaper. And while newspapers are still a great option, modern technology calls for a more far-reaching marketing strategy. The best place to start is by asking yourself where you would look if you were in the market to buy a home. The answer, for most people, is the Internet. It’s ideal becase you don’t need to leave your house to browse the selection, and it’s ready whenever homebuyers are. These are the same reasons you want your ad to be online, and there are plenty of for sale by owner (FSBO) websites that will be happy to run your ad. Newspapers, of course, are a tried-and-true option that shouldn’t be discounted, even with the Internet’s prominence. If you’re outside a major metropolitan area, make sure that your ad appears in your local paper, as well as a large daily in nearby cities; you never know when someone will want to move out of the city and into a more rural location.

o    Set the scene. It only takes a few words for homebuyers to grab the nearest phone and beg to see your home-or for those same homebuyers to turn the page without giving your house a second thought. Include basics such as the style (ranch, two story, etc.) and the number of bedrooms and bathrooms, but you also want to include descriptive phrases that help people imagine themselves living there. Make it easy on readers by spoon-feeding them gems like, „Spacious kitchen that opens into a great room-perfect for entertaining“ or „Remodeled master bathroom that recreates your favorite spa.“

o    Put a positive spin on things. It’s not okay to lie, but it is okay to make your house sound as charming as possible. If it’s not move-in ready, say something like, „Ready to be fixed up into the home of your dreams.“ And if you live in a neighborhood that has a less-than-desirable reputation-maybe it’s known for older houses without much space-be sure to convey how your house is different. Describe how your house sits on a big lot or the fact that you have an oversized garage that can be used as a workshop. Give homebuyers a reason to change their minds about the neighborhood.  

o    Create a winning headline. It’s the first thing people will read, so it has to grab them. Pick out the absolute best feature or characteristic of your house and make that the headline: „Upscale family living at a great price“ or „Sprawling country retreat with orchards,“ for example.

o    Include a photo (or two). While fabulous copy can create an attractive mental picture, there’s no substitute for an actual photo. When you have plenty of space-website ads and flyers, for example-include multiple photos of the inside and outside of your home. When you only have room for one photo, it should be the outside of the home, preferably taken on a sunny day. No matter what angle or space you’re photographing, the number one rule is „clean and tidy.“ Clear out all clutter before snapping a picture, and be sure the area is spic and span.

o    It’s all about the price. It’s astounding how many home sellers omit the asking price in their ad. Whether by accident or intent, it’s a mistake. It doesn’t matter how much someone loves your house, if it’s $100,000 over their budget, you’ve wasted your time and theirs because there’s no way they’ll be making an offer. Letting people know up front how much the house costs is both efficient and courteous. You don’t have time to field 20 calls a day from people inquiring about the cost, only to have them slam the phone down upon hearing it. You want to take phone calls from people who know the price, are comfortable with the ballpark, and want to set up an appointment to see it.

o    Keep it short and sweet. The paragraphs, that is. The best way to lose someone’s attention is to cram a lot of info into rambling paragraphs. Bullets are a great way to separate facts into easily digestible bites. 

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Jason Kay

6 Real Estate Marketing Considerations

You’ve decided it’s the right time, for you to sell your home. While this decision may be based on a variety of considerations, the first decision, the homeowner needs to make (next), is selecting the right agent, for him. One should thoroughly interview prospective agents, and discuss, in advance, considerations, philosophies, perspectives, systems, approaches, etc. One of the most important discussions should be about how one might market the particular property, in order to achieve the homeowner’s needs, concerns and objectives, with the best results. This article will briefly examine and discuss 6 real estate marketing considerations, alternatives, and options.

1. Conventional advertising: Traditional, or conventional advertising/ marketing approaches, include using newspapers, sending postcards, mailings, etc. Over the past decade, there has been far less attention to these methods, because of buyer’s reading policies, widespread use of the Internet, costs, etc. However, this is still a needed, necessary, useful format and media, especially if done, with professionalism and focus!

2. Social media/ internet: There are many popular real estate websites, including: Trulia, Zillow, Realtor.com, MLS, real estate broker sites, etc. In addition, there has been a widespread emphasis on effectively using Social Media, etc, which garners widespread focus and attention. The advantages of this method, include attracting potential buyers, and minimum costs.

3. Word of mouth: Wise Realtors realize, the best form of marketing, is word of mouth! Superior real estate agents, have a following, and references from former clients and customers, generally, produce the finest results!

4. Open Houses: There are two types of Open Houses: 1) Broker’s Inspections; and 2) Consumer Open House. One promotes these, via a combination of the previous 3 methods, as well as by using well – situated signs. The basic advantage of these, is it permits lots of exposure, and there is an adage which states, the more potential buyer views, the better the possibility of a sale!

5. Staging: Certain homes might benefit from the services of a Professional Home Stager. Homeowners should discuss this, with their agents, including the benefits, costs, needs, options, etc.

6. Niche marketing: Does the specific house, fit into a particular niche? Are there, perhaps, certain groups of buyers, who might have a better chance of being attracted to this home? How might one focus on this group, if applicable?

Houses don’t sell themselves. Real estate professionals proceed with a quality, overall marketing system, and customize the best one, for the particular client’s property!

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Richard Brody

Don’t Turn Down Showings If You Are Serious About Selling Your Home

I am a real estate broker and I mainly work with higher end, serious clients. Recently my assistant called one agent four times trying to get an appointment on a particular home that is for sale. The morning phone calls went like this:

1. Today’s request DENIED because they want 24 hours notice (we called at 9 am for a 4 pm showing)

2. Tomorrow’s request DENIED because it must be after 5.

3. Tomorrow’s request DENIED because oops now it must be after 6. (Buyer only has a babysitter home till 6 pm)

4. Friday’s request for any time before 12 noon DENIED because seller must be home to care for the large dogs in the house.

I didn’t try a 5th time.

What does this say to a buyer? A seller (or seller’s agent) who denies four appointments in a row, when I have a ready, willing and able buyer in hand is just a fool.

The best thing you can do when your house is on the market is make it READY TO SHOW. Keep it clean and neat to the best of your ability at all times, and don’t turn down showings.

This seller lost out today. The buyer was discouraged that we could not get in. In fact, the image the seller (or agent) conveyed is that this house is hard to show, and so imagine how hard it will be if the buyer LIKES it and wants to make an offer? If the seller is this difficult on scheduling showings, how difficult will he/she be in negotiating and handling the deal?

Food for thought.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Erica Ramus

How to Probate a Will – 13 Tips on Selling Inherited Property

Selling inherited property & how to probate a will can be a pain, if you are not familiar with the steps involved in the probate process can be a pain that you do not wish to keep can be a pain if you do not understand the probate process or how to probate a will.

What Is Probate

Probate is the practice of transferring legal title to estate from someone who has passed away to that individual’s heirs or beneficiaries. The steps are managed by the legal system and can consist of paying taxes or debts that are outstanding, confirming the assets, determining if the will is valid, and settling conflicts about who will be receiving and disputes over who’s inheriting and allocating the possessions.

The official term for this course of action is testate proceedings. Take the probate process as guidelines of the proper reassignment of a dwelling.

How To Probate A Will In 7 Easy Steps

1) You’ll have to locate the will. You may find this to be a simple task or extremely difficult. The will can be any where as in folder in the bureau, a desk drawer, security box at the bank, attorney’s file in his office, secret wall home safe, a close old friends house.

2) If you are not sure if there is property involved you must find out if the person who died owned real property which is anything that is part of the ground like a house or even the land. Anything else is that is not real property is just personal property.

3) Investigate where your state probates wills. This will differ from state to state but some states have probate courts while others don’t. If you find out there’s a probate court, pay them a visit for more info. A certain percentage of states use the Circuit Court.

4) Research thoroughly the assets by the deceased individual. Immediately make arrangement to get all mail forwarded to your home so you can find out about any mortgage loans outstanding, personal vehicle payments, retirement updates and other crucial paper work. Have the mail redirected to your house so you are alerted to mortgages, car payments, retirement updates, and other important documents.

5) If the deceased individual did not specify an executor to his attorney, request the appointment of administrator. The individual who has legal responsibility to the deceased assets is the executor or administrator.

6) Call the Probate Court or Circuit Court & make an appointment in the correct location. Make sure you get together everything you have to bring the court, take the assets list and estimated values, the will and deceased death.

7) Research where to get free legal advice like from clerk at the courthouse, or a probate attorney for fee

Alerting creditors and the public

In some states, they require the personal representative to place a death notice in the newspapers. This announcement notifies the public of the decreased probated property. It gives the opportunity for others such as creditors who are interested in your estate to submit a claim. As a result, the nature of this real estate transaction becomes public record for anyone to research.

Taking Inventorying of the property

There must be a real and personal inventory taken of the property so the value can be estimated. This is required for the following reasons:

* To cover debts and distributions to beneficiaries: the residence didn’t meet the monetary obligation of the creditors and the property goes to the beneficiaries, an abatement statute occur. This means that one or more beneficiaries can get limited financial gain or none at all

* To guarantee that all property is accounted for. The personal representative is responsible for gathering and inventory the property’s assets to ensure that it’s available for dispensing at the final stages of the probate process. If the property is misplaced or not in the ownership status of the deceased at the time of their death, a redemption statute can occur. This statute can decide if assets or cash can substitute missing property belonging to the beneficiary.

How To Probate A Will

Depending in what state you live in, the process is similar, however call the probate court and start there to get familiar with your own state rules and steps to follow to be sure you are following their rules. Before this process begins, the death certificate for the deceased must be obtained. There are time restrictions on procedures which is a challenge for those with demanding lives.

If the paperwork is submitted late, there are penalties causing delays. There’s a particular order of precedence when giving the letters of administration which is as follows: the surviving spouse, children, grandchildren, father or mother of the deceased, brother or sisters and the rest who qualify.

The petitions have to be updated particularly on who’s allowed to make them in order to obtain appointment for administration. Anyone who’s attracted in the property of an individual without a valid will (intestate) or of a person claiming to be departed may petition to the court. To begin the probate proceedings, the required documentation is a must.

A misplaced or damaged will is allowed to probate if it’s proven that same will was not cancelled, the implementation of it is verified by the court, and its‘ requirements are confirmed by two trustworthy witnesses.

13 Steps To Selling Inherited Property

1. The initial step is to have the property in your name.

2. If the home is in the trust, the trustee must be contacted to transfer the title.

3. If the property isn’t in the trust, a visit to probate court is required to have this done.

4. Depending on the state, land must be sent through probate.

5. Probate Letters or Letters of Administration are needed in order for the property to be in someone’s name.

6. If a home is going through probate, it takes a few months unless someone challenges it.

7. The court’s approval is required to transfer the title from the deceased to the heir.

8. The home must be appraised and inspected professionals to assess its‘ value before being sold. You have to think of selling a home as if you’re going to a job interview, appearance is key.

9. The interior and exterior of the home has to be modified such as painting, upgrading the kitchen and bath which are the two focal points of the sale.

10. Hire a real estate representative to promote your home in newspapers, websites, and other outlets.

11. Buyers are visual so by taking photos highlighting the inside and outside of your home is ideal. Once a buyer is located and the offer is presented, review it with your realtor before making any final decisions.

12. When the final offer is accepted, the buyer will conduct their own inspection and appraisal. The buyer may request to have other things fixed.

13. The last step is to sign the titles, escrow documents, and wait for the closing date.

Insider Secret Owner Financing Strategies That Will Sell Your House Fast

If you do not know anything about seller financing, you are missing out on a very powerful tool that can help sell your fast super fast.

4 Ways You Benefit With Owner Financing

You and the buyer are in control and can set your own terms for the sale

You cut out the banks and realtors and save money on the fees

You can sell the house very fast if you decide to use this strategy

You’re the bank – sell it to buyers whom have the money and great work history but banks rejected them for a home loan

Warning:

If you do not research these insider secret owner financing strategies – and you’re interested in selling your inherited property, these insider strategies can definitely help you sell fast if you run into a problem and can t sell your house!!!

„If you wish to avoid a costly mistake, not get caught without a backup plan in case you can t sell your house, educate your self about these owner financing insider secrets… the experts don’t want you to know about!“

Taxes On Inherited Property

There may be a deduction of federal, state and/or local taxes from the estate depending on the state. In addition there’s the inheritance tax and estate tax which have different definitions. Inheritance taxes placed when there’s a transfer of possessions received before it’s given out.

The amount depends on the affiliation between the deceased and the offspring. Estate taxis applicable on how much the property is worth when the individual passes. Some states may have one, one of the other or both.

In the case of the sold inherited home, there’s a possibility of paying a capital gains tax on the differentiation between the remaining from the sale and the basis. The basis is the purchase price plus upgrades minus depreciation. Presently, the federal capital-gains tax is 15%.

The handling of the estate is a complex state of affairs. It’s important to have a lawyer manage this matter to ensure the property is distributed without any hindrance. Understanding all the rules and regulations independently can be overwhelming to someone who’s inheriting property from a loved one who passed away.

How to probate a will & selling inherited property does not have to be difficult, the information you have just read should help you get through the probate process easier and less confusion. Just make sure you look into what the probate procedures and rules are for your given state.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Edwin Rosario

Sell Flower Photos – This is How to Make Money Selling Flower Photos

I sell flower photos on a constant basis through my home, photo selling business. It’s really fun, not to have to leave home to make money from photography.

Photography has always been a hobby for mine. I have always had a special preference for taking pictures of flowers. I easily get them sold as soon as I send them to my hungry photo buyers. It all started with me taking photos of the sunflower I had in my garden.

I remember how much I loved the way the sun flower glowed under the rays of the afternoon sun. I brought out my cell phone, which had a really simple camera inbuilt, and started taking pictures of the sun flower from different angles. I ended up with some really good shots.

One of the shots I took featured an insect landing on the flower. I especially love that particular photograph because it was really unexpected. That’s one of the things I love about taking photographs out in nature. You never know what to expect. Any thing could happen and these are the things which make every photograph unique.

You too can sell flower photos to buyers of nature images. Many of the buyers I sell to, need pictures of flowers on a daily basis. It basically depends on how much time you are ready to put into this. Those images of my sun flower earned me quite a handsome amount of money.

Photographing flowers has now become something I do every week. I can even sell photos of the same flower taken hours later. This is because nature is constantly changing, and the flower you photograph today looks different the next time you visit it.

Begin your quest to sell flower photos by learning how to sell such photos to well paying buyers. Try and capture different aspects of the growing process of a flower.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Johnny Page

Selling Your Candles – Operating a Successful Market Stall

The Market Scene

One of the best places to attract customers to your business is markets. Markets are found in all suburbs and regional areas of Australia, so there should be no problem in finding one that suits you.

Remember, markets are hard work. There are no shortcuts to running a successful market stall. There are early starts and long days, but done correctly you can be very successful.

Having been both a stall holder and a Market Manager of 3 markets I have seen both the good and bad of stalls. How your display looks at the market can make the difference between going home with much less stock and money in your pocket or going home miserable.

Here are some tips on running a successful market stall. The most important thing to realize is that you have plenty of competition and they are not only other candle makers. Anyone who is vying for a customers‘ money, is your competition. So what can you do?

Here are some ideas on how to get their attention.

1/ Have your signage professionally done. Hand written signs don’t look professional. If you want to save money, print them yourself on your home printer and laminate them.

2/ It’s not hard to make your stand attractive with so many candles. You have the colors, the jars, the fragrances. Everything you need to make it appealing. If you are able to make a good first impression, then customers will always remember you. Remember most customers choose the candle they want by the fragrance.

3/ Make sure you have the right attitude. No one wants to approach a person who is hiding behind their newspaper or looks absolutely miserable. Customers go to a market because they see it as a day out, to enjoy themselves.

4/ Keep your stall tidy. Keep all boxes and packaging out of site.

5/ Try not to eat or drink at your stall. I know everyone gets hungry, but have the courtesy to at least stop eating. Stall holders are generally very obliging people, so most would be happy to look after your stall for a few minutes to give you a break. Remember, that it is your stall not theirs so have the courtesy of not being be too long. If they get a customer at their own stall whose do your think will take preference?

6/ Be aware of your customers. Don’t ignore them. If you are already in discussions with one customer, then acknowledge other customers by telling them you will be with them in a minute. Ignoring them is a great way to lose customers.

The person who may buy is the person listening rather than the one you were directly talking to.

7/ If you have a uniform or T-shirt that has your logo, wear it. It shows that you are proud of your business and you are instantly identifiable and it’s a great way to promote your business.

8/ Some customers are reluctant to approach you if you seem too aggressive. It’s a good idea to try your approach on family and friends first to see what they think.

9/ If they are reluctant to talk, offer them your brochure or business card. Let them know how to contact you and how to place an order. Allow them time to browse through your information and let them know that you are available to answer any questions they have.

10/ It seems silly to have to say this, but be friendly and make them feel welcome. Wearing a name tag makes a big difference. It makes a customers feel more at ease if they know who they are dealing with. Once a customer either makes a purchase or seems interested enough ask them if they would like to be added to your data base. Make sure that there is some benefit to this, such as special offers and discounts.

11/ Make sure that you can answer any questions.

12/ Follow through if you get inquiries. If customers give you their email address, make the most of it. Keep in touch with your customers. Send them a postcard!

13/ Presentation is so important to a successful money making business. Whether you are doing a market, a candle making demonstration, a class or a corporate presentation, wedding fair, or an exhibition, you should invest in the correct presentation materials.

Markets can be a great start to any business, so take the time to do your research and make the most of your opportunities.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Frosa Katsis

The Challenge of Writing an Artist’s Statement That is Artistic and Deep But Also Makes Sense

Often, while viewing other artists experiences with their creativity, defined by pen to paper within their „Artist’s Statements“, I find myself thinking, „This reminds me of man trying to define God by putting creativity into a box.“  Oft times too I wonder, „What the heck are they talking about? I wonder if even ‚they‘ even know.“

I have met all kinds of artists.  I always hope that I will share some kind of phenomenon with fellow artists, of an unmistakable vibration we both generate and feed off of.  I hope that our connection will cause us to reach new heights and feel compelled to go home and create great things.  I rarely come across artists like that, they are as different from one another as anyone.  

I really do believe  there is an ‚energy‘ within art, colors, and it is that energy about a piece of art that people resonate to.. or not.  Some only like only my precise artwork, of which I feel are renderings and not in my personal opinion, ‚true art‘.  It tells me that we are not connected in a ’spiritual‘ sense.  We connect on other levels though so consequences of that kind of thinking are not something that needs to be brooded over, on the outside chance you find my opinion offensive or objectionable.  

I think a lot of ‚art talk‘ is mumbo jumbo, and is as redundant and boring as the latest football player explaining how his team is going to win the next game. Yet, I also think there is a need for the artist to describe the connection they feel with their art.  Doing that, helps the viewer to enter their world, as well as the artist to understand ‚what the heck happened‘ to cause them to create what they did.  

Creativity is elusive, but the more we enter that gate, the more we find ourselves in the presence of something truly remarkable. I think the vibration of colors, coupled with the spirit of the dance of creative action, can be found in all kinds of art and no one has the market on that.  Once in a great while we come across genius like Leonardo da Vinci and we stand in awe. Because of miraculous adventures of the soul, in any genre, it is our responsibility to pursue the unknown. Leonardo da Vinci only scratched the surface. Pursuing the vibrations of the elusive is often an alone experience.  It is within that ‚prayer‘ of sorts that mystics are uncovered. There are many ways of doing it though, as there are religions, so I don’t think anyone has the key to it all.  

So how do you do it? How do you write an „Artist’s Statement“ that makes sense? First define who you are within your work in your own mind. If you do not know, you won’t be able to write anything at all that others will comprehend. Be careful of the mumbo jumbo, but write out your heart as you look at your work. You may just discover a part of yourself you had not met before. Take your time, discover who you are. Remember da Vinci as well, nothing he did was done without extreme confrontation of what it was he was looking to explore, so laziness is not acceptable. Right? Yes! 

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Kathy Ostman-Magnusen

10 Tips to Hire a Professional Mover Easily

If you are looking for a moving company for your next move, we suggest that you do your research before signing the contract. Hiring the right provider will ensure your stuff is taken care of. In this article, we have shared a few important tips that make the hiring process easier for you.

1. Ask For Referrals

First of all, you should start by asking for referrals. For instance, you can consult your friends, co-workers and realtor. They will give you a few good names. Plus, they will have some important tips to share with you.

2. Get Written Estimates

It’s not a good idea to get verbal estimates only. Getting written estimates will make sure the estimates are reliable. Aside from this, it will give you an opportunity to know more about the service providers.

3. Be open to Your Estimator

Make sure that your estimator knows how many boxes, clothes, furniture articles and other stuff you want to move. Although a professional won’t force you make an additional payment for the extra stuff you didn’t inform them about while getting the estimate, they may refuse to move anything. Therefore, it’s better to be open to your estimator.

4. Ask About Additional Fees

Since no one likes surprises, make sure you ask the service provider about the additional fees like equipment fees, stop charges and fuel costs.

5. Use Packing Services

Like most people, you may not like to pack all the stuff yourself. Therefore, it’s much better to hire a local packing service. This will help you take the burden off your shoulders. Plus, all your stuff will be safely packed in secure boxes.

6. Get Insurance Coverage

It’s better to get insurance coverage for your belongings. Aside from this, you should find out if your homeowners‘ insurance could provide coverage for the stuff that you want to move to your new place.

7. Check References

Professional movers have a great reputation. Aside from this, they can also give you references from your past clients. Don’t forget to check the references and contact each client to find out about their experience working with the company.

8. Experience Matters

Although it can be tempting to go with a cheap provider, make sure that the service provider is licensed and experienced. After all, you don’t want to take the risk of working with an unlicensed provider. The provider must have years of experience in the field.

9. Do Your Research

Find out the names the service providers operates under. Next, make an online search and contact your local BBB to ensure that the company is registered.

10. Service Awards

Find out if the provider has got any credentials or awards from the small business association, industry organization or trade group. If they have, it means they are quite popular and reliable movers.

Keep in mind that hiring the best service provider will ensure that the move will be a success, not a failure. For a stress free experience, make sure you do your homework and go with a mover that you can rely on.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Shalini M

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