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	<title>Real Estate Magazine &#187; Tips</title>
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	<link>http://www.crossmagazine.com</link>
	<description>Guide to Investing or Buying Real Estate and Property</description>
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		<title>Real Estate Agreements and Forms &#8211; What You Need to Know About Them</title>
		<link>http://www.crossmagazine.com/real-estate-agreements-and-forms-what-you-need-to-know-about-them.htm</link>
		<comments>http://www.crossmagazine.com/real-estate-agreements-and-forms-what-you-need-to-know-about-them.htm#comments</comments>
		<pubDate>Mon, 12 Jul 2010 23:29:39 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Real Estate Agreements]]></category>
		<category><![CDATA[real estate contract]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2755</guid>
		<description><![CDATA[Any transaction in real estate is carried out and made legal only with the filling in and signing of forms by the parties involved in the deal. Without a proper and valid form, no real estate transaction is deemed lawfully accepted. Each type of transaction involves a different type or types of agreements and forms [...]]]></description>
			<content:encoded><![CDATA[<p>Any transaction in real estate is carried out and made legal only with the filling in and signing of forms by the parties involved in the deal. Without a proper and valid form, no real estate transaction is deemed lawfully accepted. Each type of transaction involves a different type or types of agreements and forms which need to be duly filled in by the buyer, seller, witnesses, attorneys, and anyone who has a part in the process. Proper documentation is necessary to make sure that there will not be any disputes in future. Whatever is written in the agreements have to be fulfilled by all the parties and any breach of contract may incur penalties as specified in the document. These forms are also necessary to ensure that the transactions conform to the governing laws.</p>
<p>Types of Agreements and Forms</p>
<p>Some of the most common types of real estate agreement and form types include:</p>
<p>· Disclosures</p>
<p>· Independent Contractor</p>
<p>· Listing or brokerage agreements</p>
<p>· Offer to purchase</p>
<p><span id="more-2755"></span>· Purchase and sale agreements</p>
<p>· Rental application</p>
<p>· Interest and receipt</p>
<p>· Management</p>
<p>· Termination</p>
<p>· Lease or rental agreement</p>
<p>· Land contract</p>
<p>· Lease option</p>
<p>· Installment contract</p>
<p>· Land purchase</p>
<p>· Contract for deed</p>
<p>· Notice to vacate or pay rent</p>
<p>· Promissory note</p>
<p>· Quitclaim deed</p>
<p>· Commercial lease</p>
<p>· Residential lease</p>
<p>· Residential purchase agreement kit</p>
<p>· Earnest money contract</p>
<p>· Late payment</p>
<p>This is not an exhaustive list. Each type of agreement may have a separate list of forms that need to be filled in before the deed is made complete.</p>
<p>Elements of an Agreement</p>
<p>The contents of a real estate agreement can vary according to the purpose for which it is used. However, there are some common elements that are included in all forms without fail. They are:</p>
<p>· Names of the parties involves</p>
<p>· Contact details of the persons including full address, phone number, etc.</p>
<p>· Date of the contract</p>
<p>· Signature of the persons concerned</p>
<p>The other elements can be description of the property, price, rent, lease or rental period, down payment amount, number and amount of installments, date of payment, date of final purchase, penalties for breach of contract, etc.</p>
<p>Agreement and forms are legal documents that are written in a language that is usually not understood by the laymen. Hence, it is necessary to have the services of an attorney who can explain to you what each jargon and item in the agreement or form means. You can obtain these forms from real estate agents or you can download them from real estate websites that sell such forms. But, make sure that the forms you buy online are legally approved. Since real estate laws can change from state to state, you must ensure that the forms you buy from the Internet are the ones that are currently in use in the state where you are performing the transaction. Otherwise, the document will not be considered legal and valid.</p>
<p>Most websites offer package deals that contain forms for various purposes. You can also buy only those forms that you need.</p>
<p>If you want to know how a basic real estate contract will look like, visit <a href="http://www.simplerealestatecontract.com/" target="_new">http://www.simplerealestatecontract.com</a> and check out their sample real estate contract form. You will be able  to get an insight into the various parts of the contract and how they  can be filled in with the required information. You can also buy real  estate contracts for a great price from this site.</p>
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		<title>How to Get Better Exposure For Your International Real Estate Listing</title>
		<link>http://www.crossmagazine.com/how-to-get-better-exposure-for-your-international-real-estate-listing.htm</link>
		<comments>http://www.crossmagazine.com/how-to-get-better-exposure-for-your-international-real-estate-listing.htm#comments</comments>
		<pubDate>Wed, 07 Jul 2010 23:32:37 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[International Real Estate Listing]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2747</guid>
		<description><![CDATA[There are so many online portals today that are flooded with generic &#8220;international real estate for sale&#8221; advertisements. Anybody who intends to buy foreign property can get lost in these cheesy &#8211; sometimes even phony &#8211; classifieds. They get tired of them very soon and turn to the good old fashioned real estate agencies. Of [...]]]></description>
			<content:encoded><![CDATA[<p>There are so many online portals today that are flooded with generic &#8220;international real estate for sale&#8221; advertisements. Anybody who intends to buy foreign property can get lost in these cheesy &#8211; sometimes even phony &#8211; classifieds. They get tired of them very soon and turn to the good old fashioned real estate agencies. Of course, it means that now you will have to pay heavy commissions to them, which you could have easily avoided with a good international real estate listing website.</p>
<p>The only way to ensure that you get enough exposure with these listings is that you post better advertisements. You do not exist if your potential buyers can&#8217;t see your ad standing alone in the crowd. You will not even get a single query if you do not put proper efforts in to designing your advertisements, no matter how much you spend for these posts.</p>
<p>These Tips Will Help You In Creating The Best Advertisement For Your International Real Estate.</p>
<p><span id="more-2747"></span>1. Thou Shalt Tempt Thy Buyer</p>
<p>Provide solid information about your property in the content. Give them most of the information but leave something vital that will force them to call you. The trick here is not to say too much or too little. This is not to suggest in anyway that you should give vague or generic information for your international real estate listing. If you do that, people will be suspect of your post.</p>
<p>2. Be Original</p>
<p>Never copy your advertisement from somewhere else. Write your own stuff. Plagiarism will not only make you look phony, it will also adversely affect your search engine rankings. Do not use the same advertisement for more than one website. Mention the unique features of your property that nobody else has. This will greatly help you in winning more responses from interested buyers. Don&#8217;t play with words and never say anything that isn&#8217;t true. If you speak of your property as an oasis in the midst of the desert, while it&#8217;s just another regular condo, then be prepared to get some really negative comments on your international real estate listing. Playing with people&#8217;s expectations can be a dangerous game.</p>
<p>3. Relate To Them</p>
<p>Try to be in your buyers shoes. Find out the big and small things they really want to have. This is the best way to get attention from genuine people. For instance, if you are selling something that might be of interest to retirees; tell them that it&#8217;s located away from heavy traffic and provides a peaceful environment. They might also want it to be easily accessible via public transport and not too remote. You can also mention other amenities nearby.</p>
<p>4. Engage Them</p>
<p>You should try to keep the tone of your post conversational. Make your readers feel at home when they look at your international real estate listing. The best way to do this is by adding quality pictures and even videos. There are many websites that let you do this for little or no extra charge.</p>
<p>International  real estate listings are changing the way people are finding  properties to buy or rent. If you are looking for <a href="http://www.internationalrealestatelistings.com/International_Real_Estate" target="_new">international  real estate for sale</a>, you do not have to look far just visit  InternationalRealEstateListings.com.</p>
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		<title>The Process and Tips Regarding Eviction Notices</title>
		<link>http://www.crossmagazine.com/the-process-and-tips-regarding-eviction-notices.htm</link>
		<comments>http://www.crossmagazine.com/the-process-and-tips-regarding-eviction-notices.htm#comments</comments>
		<pubDate>Wed, 07 Jul 2010 05:34:09 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Eviction Notices]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2745</guid>
		<description><![CDATA[Landlords (home owners) are often bemused when told that they are not entitled to force tenants to evacuate their property, just like that. The truth is that even if the tenant has violated some terms of the rental agreement, you should go by the laws and seek help from the regulatory bodies instead of doing [...]]]></description>
			<content:encoded><![CDATA[<p>Landlords (home owners) are often bemused when told that they are not entitled to force tenants to evacuate their property, just like that. The truth is that even if the tenant has violated some terms of the rental agreement, you should go by the laws and seek help from the regulatory bodies instead of doing something on your own. Evicting someone out of their residence, even if they were residing as tenants is quite a rigid decision and it may transform into a cause of confrontations, if proper procedure haven&#8217;t been followed by the landlords. On another note, you must do some research into the background of tenants before letting your property, because the eviction can become a challenging task in case they&#8217;ve got some affiliations with criminal elements or powerful individuals.</p>
<p>The most important requisite for an eviction notice is of course the reason for the notice, which can be nonpayment of rent or other violations of the terms on part of tenants. In case the tenant fails to pay the house rent, landlord can issue an eviction notice, giving tenants some grace period to arrange and pay the rent. Tenant can survive this notice by paying the rent in given time; otherwise they&#8217;ll have to leave the property. <span id="more-2745"></span>Nonpayment is not the only issue that you can use as the reason; in simple words any action that has violated the terms specified in the agreement can be quoted as the reason. In most cases the tenant can take corrective measures to escape the eviction, but there is one type (known as unconditional notice) that leaves no room for tenants to stay in the house. You can use unconditional notice when the tenants have done some serious breach of agreement or have been involved in some unlawful activities.</p>
<p>If the tenant has not been involved in some breach of agreement, you can still send an eviction notice but you must give them at least 30 &#8211; 90 days to arrange another residence. The eviction notices must be clear and precise; the best idea is to obtain some standard notice, which is easily available in the market (or you can get these notices on internet). You can also hire an attorney if you are expecting stiff resistance from tenants before they are forced to leave the home. Remember, that eviction notice is a kind of a legal document and a legal procedure, so you must follow the basic legal guidelines in preparing and issuing these notices.</p>
<p>Author : William King is the director of <a href="http://www.zameen.com/" target="_new">Pakistan Real Estate</a> and <a href="http://www.bayut.com/agents.html" target="_new">Dubai Estate  Agents</a>. He has 18 years of experience in the marketing and trading  industries and has been helping retailers and startups with their  product sourcing, promotion, marketing and supply chain requirements.</p>
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		<title>Real Estate Note Seller&#8217;s Reference Guide</title>
		<link>http://www.crossmagazine.com/real-estate-note-sellers-reference-guide.htm</link>
		<comments>http://www.crossmagazine.com/real-estate-note-sellers-reference-guide.htm#comments</comments>
		<pubDate>Thu, 01 Jul 2010 07:02:20 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Real Estate Note Seller's]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2734</guid>
		<description><![CDATA[With today&#8217;s unstable economy, and increasing inflation, there is no telling what your real estate note (also known as a cash flow or simply note) will be worth in the future. Money in hand is probably better than a small payment every month, especially when your money&#8217;s value will steadily decrease every year.
That means your [...]]]></description>
			<content:encoded><![CDATA[<p>With today&#8217;s unstable economy, and increasing inflation, there is no telling what your real estate note (also known as a cash flow or simply note) will be worth in the future. Money in hand is probably better than a small payment every month, especially when your money&#8217;s value will steadily decrease every year.</p>
<p>That means your real estate note value is diminishing too. Increasing inflation affects everyone, but that doesn&#8217;t mean you have to lose out. You could sell you real estate note today for a small discount and cash out.</p>
<p>Yes, there is a discount.</p>
<p>Why?</p>
<p>It has to do with the time value of money. That is the relationship that money has with time due to increasing inflation. The sale of your note has to be worth its weight to the buyer, and it has to meet your expectations. So, the seller and buyer have to come to a middle ground.</p>
<p><span id="more-2734"></span>You the seller take a small discount and the buyer gives you a lump sum of money now. It&#8217;s a win-win situation. You get the money you want, and the buyer gets the discount and the interest.</p>
<p>There is a bigger risk for the buyer anyway, but since the buyer already knows how to manage cash flows, the buyer is ready for any stumbling blocks that may come from carrying a real estate note. Plus, the buyer probably has more resources and experience to deal with a bad situation than you do.</p>
<p>So, you walk away with a nice lump sum of money now, and any hassles that could come from carrying the note.</p>
<p>If you are interested in selling your real estate note, what&#8217;s the next step?</p>
<p>Find a qualified note finder. A note finder will help you better understand the process of selling your real estate. A note finder will also save you valuable time and effort locating the right buyer.</p>
<p>A qualified note finder has already developed relationships with the leading qualified buyers, and the finder will find you the best quote for your note.</p>
<p>Once you agree to your quote, a contract is written for you to sign and return to the buyer. You will also receive a checklist that outlines the documents and information you will need to complete the sale of your note. After you gather the necessary information concerning your real estate note, and send it to the buyer, the closing begins.</p>
<p>The payor&#8217;s credit is checked, if it has not been checked already. Then an appraisal is done on the property. If the payor&#8217;s credit is up to par, and the appraisal meets the grade, then the title is transferred and you get your check.</p>
<p>Selling your real estate note using a qualified note finder is a satisfying experience; especially when you receive your check in a timely fashion. If you would like to receive your money as fast as possible, you need to make sure the details of your real estate note are accurate. This will also ensure you get the highest quote as well.</p>
<p>Robert Brown is a qualified note finder and one of the owners of Money Now for Cash Flows. If you are interested in selling any type of cash flow secured by real estate, and want the facts, please get in touch with us.</p>
<p>For more information contact Money Now for Cash Flows: <a href="http://www.moneynowforcashflows.com/contact" target="_new">http://www.moneynowforcashflows.com/contact</a></p>
<p>For  more articles about the real estate note business check out our blog: http://www.moneynowforcashflows.com/blog</p>
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		<title>Non Homeowner Debt Consolidation Loan &#8211; Bid Bye to Debts</title>
		<link>http://www.crossmagazine.com/non-homeowner-debt-consolidation-loan-bid-bye-to-debts.htm</link>
		<comments>http://www.crossmagazine.com/non-homeowner-debt-consolidation-loan-bid-bye-to-debts.htm#comments</comments>
		<pubDate>Sun, 13 Jun 2010 23:00:10 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[loan]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2720</guid>
		<description><![CDATA[The facility of non homeowner debt consolidation loan basically lies in the advantage of curbing the ever growing score of the poor credit record, without offering any collateral. It is true that people take financial assistance of loans to settle their basic requirements and luxurious demands, where later, this easy assistance takes the shape of [...]]]></description>
			<content:encoded><![CDATA[<p>The facility of non homeowner debt consolidation loan basically lies in the advantage of curbing the ever growing score of the poor credit record, without offering any collateral. It is true that people take financial assistance of loans to settle their basic requirements and luxurious demands, where later, this easy assistance takes the shape of huge stacks of debts if the borrower fails to payback the regular installments in the specified course of time. Court county judgments, IVAs, defaults, late repayments and variable rate of interest are other few reasons responsible for the creation of damaged credit profile. Therefore, through this loan scheme, almost every non homeowner can actually have a way to tackle his soaring burden of escalating debts. It is basically, a plan that pays off all debts immediately.</p>
<p><span id="more-2720"></span>Under the financial provision of non homeowner debt consolidation loan, a borrower is expected to receive an amount ranging from 100 to 2500. In addition to this, nowadays, many reputed financial companies are also offering the assistance of debt management plan to their consumers. This plan gives a detailed description of the expenditure of the loan amount in a well categorized manner. On the other hand, you just have to provide these financial planners with a summarized track sheet of your existing debts with multiple lenders. As non homeowner debt consolidation loan is specifically meant for eliminating your mounting amount of debts, the rate of interest levied on this loan is quite low and affordable.</p>
<p>Nowadays, almost every financial institution including banks and money lending agencies are offering the valuable financial assistance of non homeowner debt consolidation loan to the borrowers. However, this wide availability in turn, has invited a wide scope for confusion too, because every lender puts his own terms and condition on the loan plan. Therefore, it is advisable to go for intelligent shopping and good market research before reaching to any conclusion. For this purpose, borrowers can use the medium of internet, where all lenders are available with the websites that display each and every detail about the loan and its processing mechanism. One can also take the help of good financial consultancies that are actively associated with the reputed lending companies.</p>
<p>Once you have chosen your preferred lender, the process of drafting an application for non homeowner debt consolidation loan [http://www.debtconsolidationforuk.co.uk/non-homeowner-debt-consolidation-loan.html] is merely a task of few minutes. You simply have to fill up an easy online form that may have blanks for your employment and personal details. Ensure to fill up this form with valid and genuine information, as the verification procedure of this loan is quite strict. As soon as your form gets posted on the site, the executives from the concerned finance company will start with the procedure of identity verification and documentation. Borrowers can stay assured with the fact that this entire process will take the shortest possible duration. Hence, if you are also depressed with your ever increasing amount of debts, then consider this loan option and make your life a little more simplified.</p>
<p>Author : John Lennon is an expert financial advisors and provides expert advice  on Debt consolidation Uk to debtors, who are under heavy debts. To know  more about Debt consolidation UK, unsecured debt consolidation loan, non  homeowner debt consolidation loan and low interest debt consolidation  loan visit www.debtconsolidationforuk.co.uk  [http://www.debtconsolidationforuk.co.uk]</p>
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		<title>Home Insurance Tips For First Time Homebuyers</title>
		<link>http://www.crossmagazine.com/home-insurance-tips-for-first-time-homebuyers.htm</link>
		<comments>http://www.crossmagazine.com/home-insurance-tips-for-first-time-homebuyers.htm#comments</comments>
		<pubDate>Wed, 02 Jun 2010 23:05:41 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Hazard Insurance]]></category>
		<category><![CDATA[Home Insurance Tips]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2697</guid>
		<description><![CDATA[Once you have found that special house for your first home then comes the bewildering buying process. Choosing the insurance required by your mortgage needs attention but is often overlooked during this unfamiliar process. Don&#8217;t shortchange this important protection of you new home. It is important to step out of the quick sale agenda of [...]]]></description>
			<content:encoded><![CDATA[<p>Once you have found that special house for your first home then comes the bewildering buying process. Choosing the insurance required by your mortgage needs attention but is often overlooked during this unfamiliar process. Don&#8217;t shortchange this important protection of you new home. It is important to step out of the quick sale agenda of the home seller to understand what insurance you are buying, customize the insurance package and make you own selection of insurance company.</p>
<p>What is the &#8220;Hazard Insurance&#8221; that our mortgage bank is requiring? For most situations, the &#8220;Hazard Insurance&#8221; coverage will be provided by a Homeowner&#8217;s Insurance policy. The mortgage bank&#8217;s concern is with the protection of their collateral (your house) from hazards of fire, lightning, tornado, etc. Your Homeowner&#8217;s Insurance policy includes coverage for these risks on your house but goes well beyond the banker&#8217;s requirement to include coverage for your possessions, loss of use and more.</p>
<p><span id="more-2697"></span>What other insurance is being required? Your mortgage bank may also be requiring Flood Insurance if your house is in a &#8220;Special Flood Risk Area.&#8221; In Texas, if your new house is located along the Gulf Coast your mortgage bank may also be requiring Windstorm Insurance.</p>
<p>How much insurance does our new house need? The mortgage bank is looking for enough insurance to cover the loan. Often, a higher or lower amount of coverage is more appropriate. Your purchase includes the land, site improvements (fences, driveway, etc.) and your house. Figuring out a reasonable amount of insurance for the house is part of my job. Having an adequate amount of insurance to rebuild your house is important. At the same time, too much insurance is not a good value.</p>
<p>Why is buying your home insurance from a professional important? Buying home insurance is far more than just meeting your mortgage hazard insurance requirement. Getting the right amount of insurance for your house, ample to rebuild but not more than is needed, is critical. An insurance professional can guide you to appropriate contents coverage and liability protection. While neither is a mortgage requirement, it is still important to you as the homeowner.</p>
<p>What insurance company should I choose? Your mortgage banker or home seller likely will have a suggestion. My experience with letting the banker or home seller select a home insurer is, at best, mixed. Their key concern is selling you the mortgage and the house. Their focus is not on the long term viability of the insurer or service down-the-road. A couple of years ago, Texas Select Lloyds, then the sixth biggest home insurer in Texas, was suddenly shutdown by our Texas Department of Insurance &#8211; they had been a favorite suggestion of several of our local home builders for several years.</p>
<p>How can I reduce the cost of my Home Insurance? Cost is important on any purchase including insurance. Buying a companion auto policy from the same insurance company often provides a 10% discount on both insurance plans. Choosing a higher deductible is a trade-off in risk but can reduce insurance cost. If you decide to have a monitored burglary alarm, be sure to ask for the insurance discount. Other discounts may be available.</p>
<p>Too often I see first time home buyer overwhelmed by the buying experience while allowing important insurance decisions to be inadequately considered. Getting help to understand your home insurance choices is easy; call your insurance agent. If you don&#8217;t have a relationship with an insurance professional, this is a good time to start one.</p>
<p>David W. Crump, Ross Gray Insurance Agency</p>
<p>I specialize in Business, Health and Personal Insurance sales and service.</p>
<p>Link to our home insurance webpage including more information and to request a quote: <a href="http://www.quoteaustininsurance.com/pages/home/home-insurance.php" target="_new">http://www.quoteaustininsurance.com/pages/home/home-insurance.php</a></p>
<p>A graduate of Texas Tech University (BBA Marketing), I began my career in retailing of Toy, Hobbies and Games. I have been a business owner but changed careers to insurance after selling my interest in a Dallas area Game Store Chain thirteen years ago. Hobbies include Gardening, Music (Bass Vocal) and Stock Investing.</p>
<p>See our website at http://www.quoteaustininsurance.com/</p>
<p>Ross Gray Insurance Agency has a 30+ year history serving Central Texas on all facets of insurance. We are located in South Austin at 2404 S. IH-35. We are here to help!</p>
<p>Copyright 2009, Ross Gray Insurance Agency, Inc.</p>
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		<title>Fast And Easy Home Equity Loan &#8211; Tips For Selecting Fast And Easy Home Equity Loan Companies</title>
		<link>http://www.crossmagazine.com/fast-and-easy-home-equity-loan-tips-for-selecting-fast-and-easy-home-equity-loan-companies.htm</link>
		<comments>http://www.crossmagazine.com/fast-and-easy-home-equity-loan-tips-for-selecting-fast-and-easy-home-equity-loan-companies.htm#comments</comments>
		<pubDate>Tue, 01 Jun 2010 23:03:32 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Better Business Bureau]]></category>
		<category><![CDATA[Home Equity Loan]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2695</guid>
		<description><![CDATA[Shopping for a fast and easy home equity loan can be confusing and time-consuming. Mortgage packages and mortgage companies vary widely, and it is important to investigate several options to find the one best for you. The following tips will help you with selecting the right fast and easy home equity loan company for you:
Check [...]]]></description>
			<content:encoded><![CDATA[<p>Shopping for a fast and easy home equity loan can be confusing and time-consuming. Mortgage packages and mortgage companies vary widely, and it is important to investigate several options to find the one best for you. The following tips will help you with selecting the right fast and easy home equity loan company for you:</p>
<p>Check the ethics and professionalism of your mortgage company to get a fast and easy home equity loan. Your mortgage company should be licensed, a member of the National Association of Mortgage Brokers or Bankers and a member of BBB-the Better Business Bureau.</p>
<p><span id="more-2695"></span>To get a fast and easy home equity loan, your loan consultant should respond to your inquiry expediently and with courtesy. He/she should understand your requests and needs, and try to match it closely with an appropriate fast and easy home equity loan program.</p>
<p>To get a fast and easy home equity loan, you must not agree to pay any upfront money beyond the credit report and the appraisal fee. The amount of these fees varies, but it can be a total of $60 to $330. Some mortgage companies do not refund this fee if you are not approved for the loan, or if you decide not to accept the loan terms offered. Before you apply, ask the mortgage company whether they charge an application fee, how much it is, and under what circumstances and to what extent it is refundable.This is one secret you must not ignore if you want a fast and easy home equity loan.</p>
<p>Get an estimate and compare it to the same from other mortgage companies to get a fast and easy home equity loan. While it is only an estimate, the mortgage company should not be able to add arbitrary charges after you agree to it and sign it.</p>
<p>You can go online to search for a fast and easy home equity loan company that offers the best interest rates on your home equity loan loan. Also you can look for other loans such as mortgage refinancing loans, debt consolidation loans, and even government backed loans such as VA home loan from online lenders. With the Internet&#8217;s global presence, you can now search for loan quotes in any states. Be it Washington mutual home loan, or something else, you can find it all online. So, jump start your search for fast and easy home equity loan quotes now!</p>
<p>Get and Find Low Rate Mortgage Loans Here. 100s of Lenders available. Click Here Now to Get quotes or a Home Loan Tailored to Your Specifications [http://mortgages-at-quicken-loans.blogspot.com]</p>
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		<title>The Pros And Cons Of A Having A Listing Agent</title>
		<link>http://www.crossmagazine.com/the-pros-and-cons-of-a-having-a-listing-agent.htm</link>
		<comments>http://www.crossmagazine.com/the-pros-and-cons-of-a-having-a-listing-agent.htm#comments</comments>
		<pubDate>Sun, 30 May 2010 23:38:27 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Listing Agent]]></category>
		<category><![CDATA[marketplace]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/the-pros-and-cons-of-a-having-a-listing-agent.htm</guid>
		<description><![CDATA[By having a Listing Agent, you can leverage yourself through them. You can increase the number of appointments and even schedule simultaneous appointments. You could be off listing the Jones&#8217; while your Listing Agent is working with the Smiths.
This expansion has the effect of increased listings sold but will also influence your buyer controlled sales. [...]]]></description>
			<content:encoded><![CDATA[<p>By having a Listing Agent, you can leverage yourself through them. You can increase the number of appointments and even schedule simultaneous appointments. You could be off listing the Jones&#8217; while your Listing Agent is working with the Smiths.</p>
<p>This expansion has the effect of increased listings sold but will also influence your buyer controlled sales. Because of the increase in listings, you will increase your ad calls and sign calls, which will increase leads, buyer prospects, buyer clients, and buyer sales. With increased listings sold and buyer sales, you will also increase your past client ranks in a shorter time frame, which will increase referrals. You will also usually see a decrease in cost per transaction, which will make each transaction more profitable.</p>
<p><span id="more-2691"></span>You will raise your image or increase your brand recognition in the marketplace. With more listings in the ground, you become a more well-known Real Estate Agent in the marketplace. This will increase the unsolicited call-in appointments that say, &#8220;I see your sign everywhere.&#8221; Your quality of life will be enhanced because you aren&#8217;t the only plow horse hooked to the yoke to pull the business. There is some safety in numbers as long as the other horse is hooked to the yoke with you and isn&#8217;t shoving you down or pulling your plow rows from straight to crooked.</p>
<p>Your time away from the business will be more relaxing, and the business will operate while you are gone. For an Agent without a Listing Assistant, before they go on vacation, at best, is a fire drill and, at worst, is total chaos. Inevitably, everyone wants to list just before you want to take time off. Whether that&#8217;s the influence of Murphy&#8217;s Law or just that your focus and intensity rise before you are heading on vacation, the days leading up to time off are usually some of the busiest of the year. The lead up to your time off will be more controlled with a Listing Agent.</p>
<p>The time while you are gone will also be more effective for the business. I always had people who wanted to list their home call when I was away. Our first objective was to try to make them wait. If that jeopardized our opportunity to list the property, we sent in the team. That was usually a Buyer&#8217;s Agent or another Agent in my office that I would split the listing with if it was more than my Buyer&#8217;s Agent could handle. If you don&#8217;t have a Listing Agent, it&#8217;s rare to list new property while you are away. You might generate buyer sales or listings sold, but you won&#8217;t take any new listings. The net result is a drop in listing inventory when you are away enjoying your family time.</p>
<p>If the team managed to delay a few listing appointments, you will have a work backlog to attend to when you return. You will come back relaxed and recharged only to jump into the frying pan that has been on the stove heating up while you were gone. There will not be a slow, smooth transition back into the business. You will need to be back on your &#8220;A&#8221; game the minute you hit the front door of your office. A solid Listing Agent makes the before, during, and after period of time off much easier for the Lead Agent. Without a Listing Agent you may have come back from a vacation feeling like the time off wasn&#8217;t worth the extra effort invested before and after your return. That won&#8217;t happen with a Listing Agent.</p>
<p>The cons of a Listing Agent are as significant as the pros. The most glaring ones will happen to many Agents before they even make a dime of profit from them. This causes the risk of adding a Listing Agent to your team far exceed that of the Buyer&#8217;s Agent.</p>
<p>First you will need to invest significant resources to find quality potential candidates. You will have to pan a lot of river beds to find a gold nugget. You want them to have the right attitude first. You can&#8217;t train a good attitude. The behavioral style must be similar to yours. Again, that&#8217;s something training will not solve. They either have it, or they don&#8217;t.</p>
<p>Finding them through delivering flyers to all real estate offices, sending e-mails through the MLS system or Board of REALTOR®s, or doing direct mailings through the Board of REALTOR®s&#8217;, mailing lists takes discipline, practice, money, and time. Even using a strictly word-of-mouth campaign through your company, your Broker, your mortgage company, the title company, and even other Agents you know or do business with, will be an investment of your resources. If you stick with it long enough and consistently enough, you will find the right person over time. You can&#8217;t be impatient. You are really looking for a rare individual, rather than Johnny Anybody. The wrong hire is worse than no hire.</p>
<p>The training investment is far more significant for a Listing Agent. The investment of your time and energy to make this person a top performer for your team in the listing area will be hours each week. You will need to role-play, coach, book appointments for them and yourself, and go on your appointments and theirs for a period of time. They will need a lot of work with you, or they will have to blow a lot of leads and opportunities that you would have landed to even reach the basic competence level.</p>
<p>A non-negotiable for me would be a non-compete contract. I would never hire anyone in this position without one. The resources you will invest to find this persona and train them are enormous. The training, skills, and intellectual property you are giving them as your Listing Agent are priceless.</p>
<p>Champion Team Rule &#8211; You are not in the business of training and equipping your own competition.</p>
<p>If you don&#8217;t use a non-compete, I guarantee they will leave you and compete with you in the future in the open market. Many will leave you and not only compete with you in the open market, but also compete with you for your own stable of past clients. This is especially true with the ones they directly did business with and have a relationship with.</p>
<p>A drawback to a non-compete is some quality candidates won&#8217;t sign one. You could lose some good people. My view is you have now ferreted out the ones who would have left and left quickly. The ones who object to the non-compete will leave as soon as they feel they have learned enough to make it on their own. Once they reach that moment, they hit the road. Many already have that figure in their head when talking with you. They think, &#8220;I will spend twelve months learning the business from the best, and then I will go out on my own.&#8221; When they get in the position that they start to have some success, their ego grows, and their timeline gets cut in half, and they are gone one morning without any notice.</p>
<p>Another major con is that you will be saddled, at times, with listings that you would have turned down or ones with terms and conditions that aren&#8217;t in your favor. You will be forced to deal with over-priced listings that you will have to invest your time in to get the price reduction. In the interim, you will have to market them knowing the money is being wasted because it won&#8217;t sell at its current price. You will have listings you wish you didn&#8217;t have in your inventory because of condition, motivation level of the seller, price, or area or type of property (i.e. a manufactured home in a trailer park). Your options are either, bite the bullet and hope it comes out OK, or deal with it head on with the seller in correcting the issue or referring it to someone else. Referring it to someone else has the risk of alienating the seller and the Listing Agent on your team.</p>
<p>All of these situations affect your bottom line negatively in terms of time invested by you and your staff to solve the issues, more marketing dollars spent on each property, lower odds of you achieving a sale and earning a commission. The Listing Agent can have the attitude of getting any and all listings they can because it&#8217;s not their resources they are using in marketing dollars, staff time, and your time to fix the problem. They have all the potential upside of earning a few dollars with none of the downside of increased costs and lower odds to cover out of their pocket.</p>
<p>Dirk Zeller is a sought out speaker, celebrated author and CEO of Real Estate Champions. His company trains more than 350,000 Agents worldwide each year through live events, online training, self-study programs, and newsletters. The Real Estate community has embraced and praised his six best-selling books; Your First Year in Real Estate, Success as a Real Estate Agent for Dummies®, The Champion Real Estate Agent, The Champion Real Estate Team, Telephone Sales for Dummies®, Successful Time Management for Dummies®, and over 300 articles in print.</p>
<p>Real Estate Champions is a premier coaching company. Training covers a wide spectrum from new agents, to seasoned, as well as those interested in real estate marketing or real estate investing.</p>
<p>You can get more information at <a href="http://www.realestatechampions.com/businessplanningkit/" target="_new">Realtor&#8217;s Ultimate Business Planning Kit</a>, Real Estate Team Building ==&gt; http://www.realestatechampions.com/championteambook/</p>
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		<title>7 Ways a Real Estate Agent Can Help Sellers &#8211; Before the Home Inspection</title>
		<link>http://www.crossmagazine.com/7-ways-a-real-estate-agent-can-help-sellers-before-the-home-inspection.htm</link>
		<comments>http://www.crossmagazine.com/7-ways-a-real-estate-agent-can-help-sellers-before-the-home-inspection.htm#comments</comments>
		<pubDate>Sat, 29 May 2010 23:33:56 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[home inspection]]></category>
		<category><![CDATA[Real Estate Agent]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2688</guid>
		<description><![CDATA[Little things you can do to stop delays of the closing process
1) Be sure the inspector has access to every area of the property ( inside and out )
2) Make sure doors and gates are unlocked, or keys are available, the inspector should have access to sheds, attics, crawl spaces, electrical panels, water heaters, Heating [...]]]></description>
			<content:encoded><![CDATA[<p>Little things you can do to stop delays of the closing process</p>
<p>1) Be sure the inspector has access to every area of the property ( inside and out )</p>
<p>2) Make sure doors and gates are unlocked, or keys are available, the inspector should have access to sheds, attics, crawl spaces, electrical panels, water heaters, Heating and air units, basements, garages</p>
<p>3) All utilities should be on, including pilot lights, and all light bulbs must be in working order, so there is no question of electrical, water or gas problems</p>
<p><span id="more-2688"></span>4) Make sure all trees and shrubs are trimmed away from the roof and house.</p>
<p>5) Replace and or repair all broken windows, torn or missing screens, missing gutters, and downspouts along the roof, and If there is a chimney make sure it has a cap.</p>
<p>6) Clean up any debris, piles of wood, ect. from around the foundation, they may be thought of as conducive conditions for termites.</p>
<p>7) Make sure all filters are cleaned or replaced, test the smoke and carbon monoxide detectors.</p>
<p>If there are pets, they should not be on the premises the day of the inspection.</p>
<p>Consider a pre- inspection report, and provide a public link to that report, by advertising that your listing has already been inspected, and has no surprises. Buyers can see the inspection report and be one step closer in scheduling a walk-through.</p>
<p>Why would a home seller want a home inspection Any defects can be fixed, or repairs can be made prior to putting it on the market at a realistic cost. Before buyers come along and use defects and repairs for negotiation of the asking price, holding up the process and lowering the listing price.</p>
<p>Checking these areas before the home inspection will speed up the process.</p>
<p>&#8220;Learning More = Earning More&#8221; Michael Johnson <a href="http://www.trainingmeetings.webs.com/" target="_new">http://www.trainingmeetings.webs.com</a></p>
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		<title>The Four Characteristics of a Champion Agent&#8217;s Presentation</title>
		<link>http://www.crossmagazine.com/the-four-characteristics-of-a-champion-agents-presentation.htm</link>
		<comments>http://www.crossmagazine.com/the-four-characteristics-of-a-champion-agents-presentation.htm#comments</comments>
		<pubDate>Mon, 17 May 2010 05:19:08 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Champion Agent's Presentation]]></category>

		<guid isPermaLink="false">http://www.crossmagazine.com/?p=2663</guid>
		<description><![CDATA[Numerous studies have shown that your tonality and body language account for over 90% of your presentation&#8217;s effectiveness. The words you select account for less than 10% of your effectiveness. If you&#8217;re focusing on finding the right words, as most salespeople are, you are not focusing on the areas of your presentation that are most [...]]]></description>
			<content:encoded><![CDATA[<p>Numerous studies have shown that your tonality and body language account for over 90% of your presentation&#8217;s effectiveness. The words you select account for less than 10% of your effectiveness. If you&#8217;re focusing on finding the right words, as most salespeople are, you are not focusing on the areas of your presentation that are most important. If you don&#8217;t know what to say, all you can do is focus on the words to say. If you know what to say, you can now begin to focus on the tonality and body language.</p>
<p>There are four parts to a great presentation:</p>
<p>Conviction</p>
<p>Webster defines conviction as a fixed or firm belief. I&#8217;d add that there is nothing more compelling than conviction.</p>
<p>Your unshakable belief that you are the right person for the job and can accomplish the task will set you apart from the competition. Your conviction in the value of their home will earn their trust, even if your price is lower than other Agents&#8217;. Your bedrock belief about where the marketplace is headed, backed by statistics that prove your belief and conviction, sells you and shows them why they should do business with you. People are attracted to people who have conviction. They trust, admire, and respect people with conviction, even when they don&#8217;t agree with them.</p>
<p><span id="more-2663"></span>Before you go on a listing presentation, decide the core truths that you are going to express to them with absolute conviction. You don&#8217;t want to have ten things or core truths. You need half a dozen or less. If your core truths are in line with the Seller&#8217;s thinking, all the better. If their views are opposite yours, you know that your persuasion and resolve need to increase to move them to your point of view. Our goal is to have strong enough conviction to get them to sign the contract.</p>
<p>Enthusiasm</p>
<p>There is an old saying&#8230; enthusiasm sells. Sellers want to work with Agents who are enthusiastic about their home. If you don&#8217;t like (or express enthusiasm about) their property, you reduce your ability to secure the listing. If the market is changing or tough, you have to be honest; you can&#8217;t just hide market realities. Too many Agents are only enthusiastic about getting the listing. They aren&#8217;t enthusiastic enough to get the home priced right in order to get it sold. Any Agent can show enthusiasm and demonstrate that they are excited about the opportunity to list the home and represent the Seller&#8217;s interests. Your listing presentation will be more interesting if you are enthusiastic about the Sellers, the home, your career, and the real estate business.</p>
<p>Confidence</p>
<p>I know that my edge as a new Agent was my confidence. I am not completely sure where that confidence came from, besides athletics. I was new to the game of real estate, but I was confident I was the best Agent for the Seller. I really believe that my background as a professional athlete made me immune to the lack of confidence syndrome most new Agents posses.</p>
<p>I believe we all need to tap into victories we have had in the past. Those are so valuable. As you increase your confidence in preparation, it allows you to prepare with more passion because of your expectation of winning.</p>
<p>If you lack confidence, determine what you need to do to upgrade your belief in yourself. What do you need to upgrade in you ability to achieve long-term success in real estate sales? What knowledge should you acquire that will raise your confidence? What activities would help increase your confidence? What skills do you need to master to dramatically increase your confidence? What one thing, if you did it with excellence, would change your self-confidence?</p>
<p>The great success motivator Napoleon Hill says, &#8220;What the mind can conceive and believe, it can achieve.&#8221; What Napoleon was saying was that anything the mind can grab hold of and accept as truth will come to be. This is true of both positive and negative thoughts.</p>
<p>Assertiveness</p>
<p>One of the single biggest mistakes of non-Champion performers is not wanting to be seen as too pushy or aggressive in how they sell. Most of us wimp out before the close. We are not willing to assertively ask for the business. One way to overcome that is to tell the client up front that you are going to ask for their business. That way, they expect you to do it. They are not surprised when you ask them to sign the contract. It also sets you up, in advance, for when you get to the end of your presentation. You&#8217;d better ask for the order because you said you would.</p>
<p>The definition of a great salesperson is &#8220;a person who convinces someone to do something that is beneficial to them or convinces them to do it faster.</p>
<p>Going for the close or asking for the order is not pushy. If you don&#8217;t have enough confidence in your service and skill and value, you should get out of the business. Your confidence will sell. As a Real Estate Agent, your job is to persuade prospects that you have the best service and the best value. The best value is not price, but by factoring in all the benefits of your service, your present the best value. Our job is to link our benefits with their service expectations. Then, ask them to act now, so you can help them.</p>
<p>Dirk Zeller is a sought out speaker, celebrated author and CEO of Real Estate Champions. His company trains more than 350,000 Agents worldwide each year through live events, online training, self-study programs, and newsletters. The Real Estate community has embraced and praised his six best-selling books; Your First Year in Real Estate, Success as a Real Estate Agent for Dummies®, The Champion Real Estate Agent, The Champion Real Estate Team, Telephone Sales for Dummies®, Successful Time Management for Dummies®, and over 300 articles in print.</p>
<p>Real Estate Champions is a premier coaching company. Training covers a wide spectrum from new agents, to seasoned, as well as those interested in real estate marketing or real estate investing.</p>
<p>You can get more information at <a href="http://realestatechampions.com/realestatelistingpresentations/" target="_new">Listing  Presentation</a>, <a href="http://www.realestatechampions.com/MarketDominance/" target="_new">Market  Dominance</a></p>
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