How To Sell Luxury Homes The Fast & Easy Way

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If you want to sell luxury homes the fastest and easiest way possible, you are going to love this.

Conventional wisdom tells us that if we want to sell luxury homes we need to hire a real estate agent.

But, can real estate agents really sell luxury homes?

Most realtors know that the higher end market is not as active and lucrative as it once was and that buyers with financial resources are even fewer and harder to find.

Also, agents list ten; twenty, or even hundreds of homes at a time, and none of their clients get the agent’s personal attention. And if you did list with an agent, most likely, your home is shown by other agents whom you haven’t met and who know little or nothing about your home.

But luxury homes don’t sell because there is a lack of buyers or because of a bad economy…. Luxury homes don’t sell because of a lack of marketing.

The shocking truth is: "Realtors don’t learn marketing in Realtor School". They simply learn enough to pass a state exam that asks them about real estate principles that have nothing to do with effectively marketing a luxury home.

Also, most realtors don’t possess the "cutting edge" marketing resources needed in today’s economical climate. Their limited financial resources will not allow them to create the exposure needed to generate a good response from high-end buyers to get the home sold. In the end, your house does not sell.

So, if you want to sell a luxury home, you can list with an agent, wait months or even years before you can sell it or you can sell your home directly to a ready, willing and capable buyer.

Luxury Homes Exposé is an international luxury-house- buying- organization that buys luxury homes all throughout North America.

They are empowered by global capitalization and that simply means that they can finalize the purchase of your home in minimum time of just a few weeks.

This saves you from numerous hassles, a great deal of money; and, since there are no agents involved, you save a whole lot of money in commission fees.

Luxury Homes Exposé is associated with a group of private investors who buys 5 to 10 luxury homes every month. They use private funds that required no long bank approvals enabling them to close quickly.

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Source by Yolanda Larach

How to Day Trade for a Living: A Beginner’s Guide to Trading Tools and Tactics, Money Management, Discipline and Trading Psychology

How to Day Trade for a Living: A Beginner's Guide to Trading Tools and Tactics, Money Management, Discipline and Trading Psychology

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==================================================================
Learn 7 Important Day Trading Strategies

Join Andrew’s Community of Traders at Vancouver-Traders.com
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Very few careers can offer you the freedom, flexibility and income that day trading does. As a day trader, you can live and work anywhere in the world. You can decide when to work and when not to work. You only answer to yourself. That is the life of the successful day trader. Many people aspire to it, but very few succeed.

In the book, I describe the fundamentals of day trading, explain how day trading is different from other styles of trading and investment, and elaborate on important trading strategies that many traders use every day. I’ve kept the book short so you can actually finish reading it and not get bored by the middle.

For beginner traders, this book gives you an understanding of where to start, how to start, what to expect from day trading, and how to develop your strategy. Simply reading this book, however, will not make you a profitable trader. Profit in trading does not come with reading a book or two or browsing online. It comes with practice, the right tools and software and appropriate ongoing education.

Intermediate traders may benefit from the book’s extensive overview of some of the classic strategies that the majority of retail traders regularly use with proven success. If you think you are beyond the stage of a novice trader, then you may want to jump ahead and start reading from Chapter 7 for an overview of the most important day trading strategies:

  1. ABCD Pattern Trading
  2. Bull Flag Momentum Trading
  3. Top Reversal Trading
  4. Bottom Reversal Trading
  5. Moving Average Trend Trading
  6. VWAP Trading
  7. Support and Resistance Trading

For each strategy, I explain:

  1. How to find the Stock in Play for trade
  2. What indicators I am using on my charts
  3. When I enter the trade
  4. When I exit the trade (profit taking)
  5. What is my stop loss

And as a purchaser of my book, you will also receive a membership in my community of day traders at Vancouver-Traders.com. You can monitor my screen in real time, watch me trade the strategies explained in his book, and ask questions of me and other traders in our private chat room.

I invite you to join me in the world of day trading. I’m a real person who you can connect with. I love what I do. You can follow my blog post under Author Updates on my Author page on Amazon. You’ll see I lose some days. You can read the reviews of my book. I know you will learn much about day trading and the stock market from studying my book. You can join at no cost and with no obligation my community of day traders at Vancouver-Traders.com. You can ask us questions. Practical, hands-on knowledge. That’s How to Day Trade for a Living.



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Listing Your House For Sale By Owner

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Houses for sale by owner are more common than ever. "The" by owner "method used to be thought of as unprofessional but that's no longer the case. There's plenty of advice available in Internet FSBO (For Sale By Owner) discussion groups where "houses for sale by owner" buyers and sellers congregate to talk about their experiences.

A house for sale by owner means that a Real Estate Agent (REA) is not involved in the transaction. Since the average person moves every three to five years, and the average REA commission runs from 6,000 to $ 10,000, the FSBO route can save over $ 100,000 in agreements over the average lifetime! But there is a price to pay in return for saving those decisions because the seller will have to perform the duties the REA customarily performances.

What are those duties? It starts with advertising the home and arranging the showings, but it also includes making the legal disclosure requirements, purchase and sales agreement negotiation, arranging for title transfer and closing, plus handling the other details that inevitably come up before the deal closes.

You can be part of the house for sale by owner trend without having to be 100% on your own. If you're concerned about the legal aspects of selling your home, you can hire a Real Estate Attorney to navigate the legal maze for you. What kind of legal issues do you potentially face? Here are just a few:

Completing the Residential Property Disclosure Form.

Completing the Lead-Based Paint Disclosure Form.

Distributing the EPA's Lead Based Paint Hazards Booklet.

Drafting the proper Warranty Deeds.

Drafting the Real Estate Purchase and Sale Agreement.

These are not tasks to be undertaken by the uninformed! If you're considering selling your home FSBO and feeling a little nervous about all that it entails, you're not alone. Fortunately, there are many FSBO guides and for sale by owner tips to help you out and they're all on the Internet!

Houses For Sale By Owner can also be listed on FSBO web sites and in publications which are the functional equivalent to the Multiple Listing Service (MLS) used by Realtors. Actual MLS listings are also available for a flat fee of around $ 250 to $ 600 depending upon where you live.

You can also list your home in many of the Real Estate Classifieds magazines that are given away at newsstands and convenience stores. All of this helps to generate traffic to your home so you can be part of the money-saving House For Sale By Owner trend!

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Source by B Shelton

Get a Financial Life: Personal Finance in Your Twenties and Thirties

Get a Financial Life: Personal Finance in Your Twenties and Thirties

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A completely revised and updated fourth edition of the New York Times bestseller, designed to guide younger adults through the world of personal finance.

More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them?

These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.

It’s time for them to get a financial life.

For two decades, Beth Kobliner’s bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.

From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today’s ever-changing landscape.



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Why Use a Realtor?

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There is a common misconception that if you do not use a Realtor or a
real estate agent to buy or sell property in California, you can save money.
This could not be further from the truth.

As a buyer of property in California, the commission that your real
estate agent receives is paid by the seller of the property.
Therefore, for all of the work he or she performs in ensuring that the
proper forms are all used and completed correctly (and in California
there are a huge number of forms used in real estate transactions) and
for all of his or her advice and assistance, you pay nothing.
There is thus no reason to attempt to purchase property without an
agent. And if you think you know what forms need to be used,
think again. The forms used by most agents are constantly
changing and only agents who keep up with these changes know what forms
have been added in recent months.

There is also no reason to allow the seller's agent act as your agent
as well. For an agent to act as the agent to both the buyer and
the seller often puts him in an unwinnable situation. If there is
something wrong with the property, he must disclose it But how
hard will he look for things that can spoil the sale if he is losing
both sides of a commission and if he has loyalties to both the buyer
and the seller of the property? A good agent will disclose
everything. But why would you want to put one agent in that
situation when you can obtain your own independent agent to advise you,
and still not have to pay him a dime since he receives his commission
out of escrow from the seller's proceeds? The answer is, get your
own agent.

As the seller of property in California you will likely pay on average,
a 6% commission, split in half between your agent and the buyer's agent
on a home, and a 10% commission, on average, split between your agent
and the buyer's agent on land. Here is where the real temptation
to a seller lies.

In the effort to save up to half of the commission (since you will
still likely have to pay the buyer's agent half of the normal
commission), the frugal seller will try to avoid every cost he or she
can. They will not use an escrow agent. They will not get a
title report. They will even try to avoid buying title
insurance. And if they manage to talk the buyer into buying the
property without an agent as well in return for a discount in the
price, you have the situation of the blind leading the blind.

As a real estate lawyer (as well as a Realtor), it is no wonder that this is
the type of client who calls or comes in for a consultation to our law
firm complaining that they sold their property but were never paid, or
that they bought property and took out a huge loan and never received
clear title, or that their loan is not the type of loan that they
They thought they were getting.

The situations even get worse. Not only do such buyers or
sellers not get what they thought they would get out of the
transaction, they normally get a bonus. They get sued as well by
the other party. And if any of the normal purchase and sale forms
are used for the transaction, the form likely provides that the person
who prevails in the lawsuit is entitled to his or her attorney's fees
and costs. In a complicated real estate transaction where none of
the normal formalities were followed, those attorney's fees and costs
can easily run into the tens of thousands of dollars.

The choice is simple. If you want to save money in a real estate
transaction, and sleep well at night, use a Realtor. If you want
to run the risk of losing your property and paying an attorney to
defend you in a lawsuit, go it alone.

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Source by Sebastian Gibson

Black Forest Travel Guide: Sightseeing, Hotel, Restaurant & Shopping Highlights

Black Forest Travel Guide: Sightseeing, Hotel, Restaurant & Shopping Highlights

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The forest where Little Red Riding Hood would wander, the woods where Hansel and Gretel fought the evil witch, home to the cuckoo clock, and one of the most popular forest destinations in the world – this is the Black Forest in Germany. Located in the southwest of Germany, this mystical, wild, and scenic region is named after the black fir trees which are found here. Dozens of picturesque hamlets and towns are sprinkled across the forest along with hundreds of miles of hiking trails. Black Forest – Culture – Location & Orientation – Climate & When to Visit – Sightseeing Highlights – Freiburg – Freiburg Minster – Old Quarter – Kinder Galaxie – Mundenhof Zoo – Seepark – Baden-Baden – Roman Bath Ruins – Thermal Baths & Spas – Casino – Castles – Pforzheim – Karlsruhe – Triburg – Rust – Europa Park – Recommendations for the Budget Traveller – Places to Stay – Alemannenhof – Hotel am Rathaus – Inter City Hotel – Leonardo Royal Hotel – Acora – Places to Eat – Landhotel Jostalstuble – Wolfshohle – Haslacher Hof – Osteria Stromboli – Brenners Park Restaurant – Places to Shop – Uhren Park – Nature Park Farmers Market – Christmas Markets – Kaiserstrasse – Post Galerie Shopping Center



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A Basic Guide To The For Sale By Owner Process

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Anyone who has started the process of looking for a home or piece of property of their own has run across the infamous FSBO or for sale by owner advertisement. For those who are purchasing their first home this can be difficult to understand. Maybe you believed all homes were for sale by their owner, after all they are the ones who have option to sale. Not a lot of folks really think about this stuff or understand it before they start to buy. Whatever the case may be, this is a common and beneficial way of selling a home or property.

The standard practice of selling a home would involve a real estate agent doing most of the actual work. These agents do all of the promoting, selling, and mandatory documentation. In exchange for their services they acquire a fraction of the sale. Everything else, obviously, will go to the owner.

Many home owners like to do things on their own so they have all the power. In this case all of the promotion, paperwork, and presentation are taken care by the owners themselves. Owners will often still reside in their home during this type of sale, but are happy to show the prospective buyers around. Another obvious reason that sellers like this is that they get to keep all the profit for themselves. The benefits to the buyers often include relaxed credit requirements when owner financing is offered and the chance to deal one on one with the actual owner of the home.

Most of the times for sale by owner agreements work out quite well for both involved parties. Often home owners will even provide a special rent to own lease agreement that permits buyers to get their home slowly over a period of time. The details of this typically work out just like any other lease, but in the end you actually get to keep the estate. There is no need to seek a loan in this case. There is no longer a requisite for any type of bank or outside lender. Also this almost always means that there will be no verification of the buyer’s credit.

If you are searching for a home and are interested in buying directly from the seller, or you are interested in getting rid of your home this way the internet is a great place to do research. Several sites out there are classified directories that only have FSBO ads. Also there are several websites that are dedicated to providing advice on this type of sale.

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Source by Elisa Kelly

Klytia, a Story of Heidelberg Castle

Klytia, a Story of Heidelberg Castle

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This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work.

This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.

As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.



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How To List Your FSBO For Free

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There are a host of for sale by owner websites on the Internet, the newest is ChoiceA where you’ll get a fresh user experience and it won’t cost you a dime. The service, based in Portland, Oregon offers free listings for FSBO. Buyers and Sellers are connected directly and provided tools to help aid the transaction. Currently, the site offers free downloadable legal forms for Washington, Oregon and California and provides a user-friendly upload process. Many sites limit the number of photos you can include in a listing, at ChoiceA you can upload as many high-resolution photos as you’d like. In addition, ChoiceA provides HTML code that allows you to cross-post your listing to Craigslist or other for sale by owner options.

ChoiceA intends to contribute to the changing landscape of real estate, but remain focused on the FSBO market. There are other new or hybrid options in real estate such as Redfin, which would reduce your listing fees by a little more than half the traditional amount. With Redfin the majority of your seller’s fees are rebated back to you, but you remain obligated to pay the buyer’s agent’s fees which are usually a traditional percentage. Other web-based real estate tools include Zillow’s Zestimates, and Trulia’s site which aggregates various broker listings. Historic FSBO sites generally charge from $200 – $1200 for marketing materials or flat-fee MLS listings that are then posted at Realtor.com. Flat-fee MLS listings usually sound like a good idea, but rarely will a traditional agent (who the MLS is built around) treat a flat-fee listing the same as a traditional listing; simply it is not in the agent’s interest to show homes that are flat-fee listings if the agreement with the seller is such that a traditional agent will not be paid for introducing a buyer and a seller.

More and more the seller is being given the power to set his/her listing fee. You’ll notice that on Craigslist the majority of FSBO’s state something similar to: “2% offered to buyer’s agent” – which means that they will pay no more than 2% to be introduced to a buyer who ultimately closes on the property. The Internet’s reach is empowering the buyers and sellers and it is widely believed that there is a growing trend toward Do It Yourself real estate. What was traditionally an intimidating process is becoming more understood by many who are able to research the process, obtain the needed forms and seek out an attorney who may charge $300-$400 to review the paperwork versus traditional real estate commissions that can be $20,000 – $30,000+ for a like-sized transaction.

As with many industries, the Internet is changing the traditional landscape. Real estate practices have changed relatively slowly, but as of 2007 the pace at which the model is changing is accelerating. It is hard to imagine that five or six years from now people will still have to pay $18,000 to market a $300,000 property. Rather, fees are expected to be reduced dramatically as the Internet empowers people to do more for themselves while getting increasingly equal amounts of exposure. After all, if the Internet does one thing well, it’s connect one person to another and the real estate industry will likely change in a big way as soon as more of the new models are used with success.

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Source by J Summerson

The Heidelberg Catechism, 450th Anniversary Edition

The Heidelberg Catechism, 450th Anniversary Edition

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This edition of the Heidelberg Catechism is produced by the Reformed Church in the United States. It is reprinted with all of the references in the New King James Version of the Bible and the updated language adopted by the Synod of the RCUS in 2011. This small book is one of the finest fruits of the Reformation and epitomizes its essential teaching. Holding forth faith in Jesus Christ as our only comfort in life and in death, it presents, very personally and eloquently, what is necessary to know that we may live and die in that comfort. While many played a role in its composition, it was especially Zacharias Ursinus and Caspar Olevianus who imparted its theological content and practical spirit. Having received hearty approval by the pastors and teachers in Heidelberg, it was published on January 19, 1563. Its influence in Germany, the Netherlands, Hungary, and beyond exceeded all expectations. It was welcomed by Reformed believers everywhere. Today, those who are yearning for a beautiful statement of biblical truth will find this work a treasure. It remains as fresh as when it was first published 450 years ago.



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