La chica que soñaba con un cerillo y un galon de gasolina: The Girl Who Played with Fire (Millenium) (Spanish Edition)

La chica que soñaba con un cerillo y un galon de gasolina: The Girl Who Played with Fire (Millenium) (Spanish Edition)

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Lisbeth Salander se ha tomado un tiempo: necesita apartarse delfoco de atención y salir de Estocolmo. Trata de seguir una férrea disciplina y no contestar a las llamadas ni a los mensajes de Mikael,que no entiende por qué ha desaparecido de su vida sin dar ningún tipo de explicación. Lisbeth se cura las heridas de amor en soledad, aunque intente distraer el desencanto con el estudio de las matemáticas y ciertos placeres en una playa del Caribe.

¿Y Mikael? El gran héroe, Súper Blomkvist, vive buenos momentos en Millennium, con las finanzas de la revista saneadas y reconocimiento profesional por parte de colegas y otros medios. Ahora tiene entre manos un reportaje apasionante sobre el tráfico y la prostitución de mujeres procedentes del Este que le han propuesto una pareja, Dag y Mia.

Las vidas de nuestros dos protagonistas parecen haberse separado por completo en este segundo volumen de la trilogía más adictiva de los últimos años, pero algo conspira para reunirles, algo que tiene que ver con el recuerdo de una chica, atada a una cama, que soporta un día tras otro las horribles visitas de un ser despreciable y, sin decir palabra, sueña con un cerillo y un galón de gasolina, para provocar el fuego que acabe con todo.



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Sell ​​A Home Without A Realtor

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When choosing to sell their home many of today's home owners are selling without a Realtor. Selling a home without a Realtor has many advantages as well as disadvantages. But if done correctly can be a very rewarding and money saving experience. By knowing what a Realtor does to sell your home and what you need to sell your home on your own will help you make an informed decision when you are ready to list!

Lets begin and examine what a Realtor actually does for a home seller. The Realtor will begin by performing a CMA or Comparative Property Analysis and accurately listing the property at its highest marketable value. The Realtor will also advertise the property on their company website, get the property listed on the MLS website and pay all the marketing costs associated with the property. The Realtor will also have the opportunity to market the home to other realtor's in their organization which will effectively expose your home to more potential borrowers. The realtor's brokerage will also charge you 4-7% of the selling price for these services, a cost that generally far exceeds what it costs to effectively market a home.

When you choose to sell your home with no Realtor the first step is to find a good property appraiser. The property appraiser will come out and give you a very accurate value for around $ 300 for a single family home. This value will be based off comparable sales that occurred in your area within the last 12 months, comps are usually within 1 mile without you have a rural property. Many home owners will use this appraised value as the starting sales price which is a smart policy because a bank will not lend more then a property is worth to a potential buyer.

You should find a good For Sale By Owner company in your area, FSBO companies will get your house listed on the MLS and many offer for sale by owner kits that will help you with the legal documents needed to sell your home without a Realtor. Many FSBO companies also offer title services or are affiliated with a title company that will assist you with the closing. When Using a FSBO company you should get exposure on their website as well as the MLS websites. Exposure on these websites alone will not bring in a steady stream of potential buyers and you will have to use other avenues of marketing. One great system to use is the services of a mortgage broker to screen the phone calls about your property. This is a free service offered by many mortgage brokers, the mortgage broker is expecting to generate a loan out of the calls he receives about your property. Nothing is more comfortable then knowing the person looking at your home can qualify for mortgage financing to buy it. Mortgage brokers also speak daily to people looking to be pre qualified to purchase their first home and can direct people to your listing.

To reach a broader market you will want to place classified ads in the newspapers and 1 or 2 home magazines every month. These are the place many buyers go to begin there searching for a new home. Ads in these publications will cost you over $ 200 a month but is still small change when compared to losing 6% of the sale price to a Realtor. And do not forget the old stand by For Sale By Owner Sign in the front yard. If you live on a high traffic street this $ 10 sign may be all you need to sell your house fast without a Realtor.

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Source by Darin Sewell

Foreclosure Survival Guide, The: Keep Your House or Walk Away With Money in Your Pocket

Foreclosure Survival Guide, The: Keep Your House or Walk Away With Money in Your Pocket

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In foreclosure? Know your options

If you’re one of the millions of Americans in danger of losing your house, The Foreclosure Survival Guide provides the practical information you need, including:

  • the ins and outs of foreclosure
  • how to decide if you should try to keep your house
  • federal programs to help you avoid foreclosure
  • alternatives to foreclosure, such as short sales and deeds in lieu
  • new federal foreclosure protection and mortgage servicing rules
  • new state foreclosure mediation programs
  • delaying or avoiding foreclosure with bankruptcy, and
  • avoiding foreclosure scams.

    This edition provides up-to-date information on the Making Home Affordable programs, new federal rules, foreclosure timelines, and court decisions affecting homeowners’ rights.



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  • Sell ​​Your Own Home – Revealed: FSBO Information that Realtors Do not Want You To Know! Pt. 1

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    Selling your own home is attractive to many people. In this article, we will look at the good and bad of going For Sale By Owner or FSBO.

    Why would you want to sell your own home?

    Obviously, you have the potential to save yourself money. By selling your home yourself (For Sale By Owner or FSBO), you can save the commission you would normally pay a real estate agent (often as much as 6% or more!)

    You may need to sell your home quickly. By lowering the asking price by the amount you save on commissions, you may be able to price your home below market value, still make the same profit, and sell it as quickly as possible.

    You are probably the perfect person to show your home to buyers. Who else knows your home and vicinity better than you do yourself? Probably nobody! So, who better to tell others about your home? (Be careful here. You may know all about your home, but you do not know just what may excite or turn off a potential buyer)

    You can keep better control of your life. If you are setting the viewing appointments, you can choose when to have the prospective buyers come see your home. If you are not feeling well, or did not get a chance to clean up after the kids this morning, you can schedule the buyers to come through later in the week!

    These are just a few of the advantages to selling FSBO. Now let's take a look at some of the downside to selling your own home.

    Difficulties in selling your home on your own?

    Do not let this scare you off, but there are some potential problems when you try to sell your home.

    Many Buyers look at FSBOs for the same reason many FSBOs try to sell on their own … Saving Money! Now, that probably is not a surprise to you, but think about what it really means. Both the buyer and seller are trying to save the same money on the same house. There are ways to work around this, but do not get defensive when someone comes in and makes a "low-ball" offer on your home.

    At least some of the money you save from not paying the Realtor's commission will still have to be sent on marketing your home. Yard and directional signs, newspaper ads, flyers … it all adds up. You can still save considering money, just make sure you budget beforehand for these expenses!

    You are still going to have to deal with Realtors! It is a fact that most FSBOs get an average of 2-3 times as many calls from Realtors as they do from buyers! Especially during the first weeks you try to sell on your own. We'll talk about how to deal with these calls in a bit.

    Speaking of phone calls, expect to get them from Realtors, buyers and "lookers" at all hours of the day and night. It is often difficult for a seller to know who is actually a good prospect, so you will probably show your house much more often, for the same results. Also, you should have a way for buyers to get in touch with you immediately, which can be difficult if you work, or go shopping, or go to soccer games, or to … well, you get the idea! At the very least, you will need to get a good answering machine.

    You will need to answer your messages regularly! The more motivated a buyer is, the less time you have to respond to them. You are probably not the only one they are calling, and if you wait a few hours to call them back, they will have moved on to another house.

    Last and possibly most important, you will be competitive against all the other home sellers in your area, and that includes those who have listed their house with a Realtor.

    A good real estate agent does offer many advantages to their clients. The agent has access to the Multiple Listing Service (MLS) and probably works in an office with many other agents, all of which have buyers looking for different types of homes. They can advise you of the best selling features of your home and anything you can do to give your home more "curve appealing" so it will sell quickly. You will have to work harder without an agent, but you expected that, right? After all, you are saving their commission!

    Preparing your home to sell.

    OK, good. You're still with me. You can work around not having an agent, and possibly even get one to do some of the work for you for a lot less, maybe even for free! But first, let's get your home ready to sell.

    First, get rid of clutter. Empty closets, clean the garage, if you do not need it, get rid of it! It is amazing what most people (myself included) can accumulate in just a few years of living somewhere! Get rid of as much as you can! I know it's hard, (get a storage unit if you have to) but I can tell you that 99 times out of a hundred, the house with minimal furniture and knick-knacks will sell a lot faster and for more than a house with all That stuff still in there. Plus, getting rid of the excess stuff will save you a fortune on your move!

    Once the clutter is gone, clean your house. Better yet, save time and effort by finding a reputable cleaning service and have them do it! Ou want the house to be immaculate. If your home is really clean, buyers will feel that you have also kept it in good shape.

    Speaking of clean, if you have any pets, or if you smoke, have a friend or relative come over and smell your house. We do not see or smell what we get used to. I've been in homes that absolutely reeked of pet odors or cigarette smoke, and the owner could not smell a thing. This can cost you thousands!

    Make minor repairs, or hire someone to do it. Little things can really turn off a buyer. They get the impression that your home is not well cared for, and that costs you money! Paint a wall, fix a dripping faucet, replace a burned out bulbs, all those little things you've been meaning to do … get to them!

    There's a reason it's called "Curb Appeal"

    Your home's entry makes the first impression on your buyers. Paint the front door, it really helps your home look inviting. Bright colors are considered welcoming, many experts believe that red is the best color. Clean around your entry, if your screen door is unsightly, repair or replace it.

    Mow the grass, rake up the leaves, trim those overgrown bushhes, plant fresh flowers! If it needs it, seal the driveway and cracks in the walkways … your home will look very welll cared for!

    Next, get your family mentally ready for what's coming! Having strangers walking through what is a private, secure space, is unsettling for everyone. Explain what is happening to young children. Who knows, you might even get them to keep their own room clean!

    Finally, depersonalize your house as much as possible. The family photos of great-uncle Jesse may mean a lot to you, but will make it that much harder for buyers to imagine themselves living in your house.

    Well, that's it for now. In the next installation, we will talk about setting up your team, pricing your home, attracting potential buyers, showing your home, and accepting the offer.

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    Source by Bob Beavin

    Buying a Short Sale Property: A Guide to Understanding the Short Sale Process and How to Profit From Short Sale Homes

    Buying a Short Sale Property: A Guide to Understanding the Short Sale Process and How to Profit From Short Sale Homes

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    If you want to learn more about the Short Sale process, including how to attain instant equity when purchasing a Short Sale home, then this book is for you! Short sales, the process whereby a house is sold for less than is actually owed on it in order to avoid foreclosure, are becoming ever more common. However, it is important to recognize that if you are considering trying to make money out of this process, that there are often associated problems. This is largely due to the fact that the majority of people who go into a short sale transaction are not well-informed about the processes and requirements involved, and how to make most out of this type of real estate investment. This book will provide all the information you need to get ready to buy a short sale property, and it also includes plenty of tips to make the process run more smoothly and quickly. With this knowledge in hand, you will be in a much better position to successfully attain instant equity through taking advantage of the short sale transaction process.



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    FSBO Sales & MLS Listings

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    Traditionally one of the major drawbacks to FSBO selling is the fact that the home was listed with the MLS listing service, thereby mission out on a huge market and a top-notch advertising opportunity. Well, this is no longer the case! Now people who have chosen to sell their homes themselves have the chance to list their home on the MLS and open their sale up to a huge market that was before, unreachable. This is done through what is known as a "Flat Fee MLS listing."

    MLS Listing has always been something that was exclusive to licensed real estate agents, and to an extent it still is. A flat fee listing is still done through a real estate broker, the difference being that when your property is listed you become the listing agent. You will still have to pay a commission to an agent if they bring you a client that purchases the home but that is small in comparison to the savings you will get by selling the home yourself.

    Listing via the flat fee MLS is only one of the things that you should do in order to give your FSBO home the coverage it needs to sell quickly. Other avenues that should be explored are advertising on a national FSBO website, ads in the newspaper, signs around the local area, open houses and home info packages for viewers. Selling your home yourself is a huge undertaking and it will eat up a lot of your time. You have to play realtor as well as doing your normal daily job and this can be kind of daunting. You will have to make sure that you keep yourself as available as possible at all times, you can not afford to miss that show that could be the sale you have been waiting for.

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    Source by Kevin Bilberry

    North Scottsdale, Arizona Grayhawk – Dc Ranch Real Estate

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    Grayhawk in Scottsdale, Arizona is possibly one of the most prestigious areas of North Scottsdale. Grayhawk boasts an amazing golf course, fine dining, resort like living, and a lifestyle that most people work towards. The Grayhawk community in Scottsdale, Arizona is truly unique.

    When buying, selling or leasing property in North Scottsdale, it is important to find a Realtor that knows the area, has ample experience, and knows how to be aggressive. The difference between a great Realtor and a terrible Realtor could cost you thousands of dollars.

    At any time while reading this article feel free to click on the website associated with this article to get in contact with a quality Realtor that will represent your best interests. It is of paramount importance to make sure you select an agent that will represent you properly and efficiently.

    When selling, marketing your property is the key. If you have an agent that does not know how do market your home effectively, your home may not get the quality traffic it needs to sell. Would you rather have a Realtor with no experience, no education, and no testimonials, or an agent with a college degree that has lived in the area of North Scottsdale for twenty eight years with all of the marketing tools needed to get your home great exposure to potential buyers? Your home should be in magazines, classified ads, the Arizona MLS, multiple national websites, local websites, newspapers, info tubes, mailers, and a good looking sign in your front yard is a must.

    When buying, the same principles apply. It is imperative to get a Realtor that knows the area, know what you are looking for, knows how to negotiate a contract, and represents your best interests. When buying, the buyer wants the lowest price possible, and that is what your Realtor is for. There are several tactics that experienced agents use to drive the price down for their buyer. If you have a Realtor that is new, or does not have enough experience, you may not be getting the best price possible. Negotiation is an art and can rarely be taught. Would you rather have an agent that is trained to negotiate, or an agent that just does the bare minimum to keep their Real Estate license active?

    There are many agents to choose from in Arizona. Make sure you pick the right Realtor for you. Click on the link that is connected to this article if you are in need of a Realtor that will help you with all of your Arizona Real Estate needs.

    North Scottsdale has mountain views in every direction, fresh air swooshing off of the McDowell Mountains, wild life galore, and friendly people. Scottsdale goes out of their way to please. The service is impeccable in nearly every restaurant in the area, along with a smile. During the winter Arizona receives several out of town visitors to enjoy the weather and get out of the cold. After visiting, many of them stay or purchase second homes. If you are here to visit, or thinking about buying or selling property in Arizona, please click on the link allied with this article. Arizona welcomes you!

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    Source by Nick McConnell

    Short-Selling with the O’Neil Disciples: Turn to the Dark Side of Trading (Wiley Trading)

    Short-Selling with the O'Neil Disciples: Turn to the Dark Side of Trading (Wiley Trading)

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    Leave the old paradigm behind and start safeguarding your portfolio

    Short Selling with the O’Neil Disciples is a guide to optimizing investment performance by employing the unique strategies put forth by William O’Neil. The authors traded these strategies with real money, then refined them to reflect changing markets and conditions to arrive at a globally-relevant short-selling strategy that helps investors realize maximum profit. Readers will learn how short selling recognizes the life-cycle paradigm arising from an economic system that thrives on ‘creative destruction,’ and has been mischaracterized as an evil enterprise when it is simply a single component in smart investing and money management. This informative guide describes the crucial methods that preserve gains and offset declines in other stocks that make up a portfolio with more of an intermediate- to long-term investment horizon, and how to profit outright when markets begin to decline.

    Short-selling is the act of identifying a change of trend in a stock from up to down, and seeking to profit from that change by riding the stock to the downside by selling the stock while not actually owning it, with the idea of buying the stock back later at a lower price. This book describes the methods that make short-selling work in today’s markets, with expert advice for optimal practice.

    • Learn the six basic rues of short-selling
    • Find opportunities on both the long and short sides of stocks
    • Practice refined methods that make short-selling smarter
    • Examine case studies that profitably embody these practices

    Investors able to climb out of the pessimistic, conspiratorial frame of mind that fixates on the negative will find that short selling can serve as a practical safeguard that will protect the rest of their portfolio. With clear guidance toward the techniques relevant in today’s markets, Short Selling with the O’Neil Disciples is an essential read.



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    FSBO – Good Idea Or a Bad One?

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    As a home owner is it better to do a For Sale by Owner in Minnesota, or use a Realtor? That really depends on you, the home owner. Before deciding on the best route for you to take you should ask yourself several questions.

    For Sale by Owner Minnesota – Question # 1

    How much marketing will I do? Are you going to use a 24 hour recorded message with your property information on it? Consider this, Up to 40% of all qualified buyers can only research for homes between the hours of 7pm and 8am. Do they have access to the information at those times?

    Another reason this is important is that instead of a buyer calling you directly and possibly feeling pressure to come take a tour of the home, they can simply call and get the information they need. This gives a buyer a chance to make a decision and to call back if interested, giving you a more qualified prospect and less time spent on tire kickers. Providing a 24 hour service save you time and will help to maximize your chances of selling your home.

    For Sale by Owner Minnesota – Question # 2

    Are you going to be available when your buyer wants to visit your home? I'm a potential buyer, I work nights, you work during the day. I call you up and want to take a tour of the home at 9am. Can you accommodate that? Most of the time you will have one chance to make a good impression with your home. If there are obstacles in the way for the potential buyer to purchase your home, they may simply move on to the next home that they wanted to visit.

    For Sale by Owner Minnesota – Question # 3

    So now you have someone interested in your home and wants to make an offer. Now what? Are you aware of the laws relating to selling your home. Do you need to provide an inspection report? Do you need to be concerned about the terms of the offer? Do you know if they pre-qualified and if they are, is the company giving the pre-approval a solid lender? Lastly, do you know if the offer is fair value for your home? You think it is worth $ 200,000, the buyer offers $ 200,000 but requests you to pay closing costs. Is that a good offer for your neighborhood?

    Above all else be realistic about what you are willing to do. Will you be available at anytime for a showing, even last minute. Are you able to close the deal by asking for an offer?

    If the challenge excites you, you're ready for some hard work, willing to do research on your own, then it's not impossible for you to sell your home alone.

    I have program available on my website entitled "How to sell your home yourself, and avoid paying a big debts". The best part is it's absolutely FREE.

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    Immobilienmakler Heidelberg

    Makler Heidelberg

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    Source by William Pryor

    The Ark Law Group Complete Guide to Short Sales

    The Ark Law Group Complete Guide to Short Sales

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    This step-by-step guide explains how to work with your lender to achieve a short sale, so you can avoid foreclosure and get out of an unaffordable mortgage. Simple and straightforward chapters, written in plain English, outline how the foreclosure process works, what a short sale is, and how to determine whether a short sale is the best option for you. All of the implications of a short sale, including how it is easier on your credit rating than having a foreclosure on your record, as well as what it means for your ability to get financing in the future, are explained. Subsequent chapters outline the short sale process, explaining: – how to prepare a short sale package – what factors make a lender likely to approve a short sale – what to do if there is a second mortgage or other junior liens – who are the parties involved in negotiating a short sale – whether to work with a real estate agent or short sale negotiator – the tax implications of a short sale. The short sale process has changed substantially in the last two to three years, with government guidelines and regulations constantly being updated and amended. “The Ark Law Group: Complete Guide to Short Sales” provides the most current information for 2014, with relevant and up-to-date information including: – the most recent government and in-house lender short sale programs and incentives – the newest developments in wording in short sale approval letters, particular regarding the seller’s obligation to repay any deficiency balance. For many struggling homeowners, a short sale is the fastest and surest way to avoid foreclosure and move ahead to financial freedom. This Complete Guide to Short Sales spells out exactly how to do that.



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    Immobilienmakler Heidelberg

    Makler Heidelberg

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