Selling a Home in Colorado

Before you decide to sell your home it is necessary to have it evaluated first and there are also some important things to consider as well.

If you have made the decision to sell your home, you would know that this decision is huge and you may have many concerns and questions running around in your head.

It is not easy to sell a house in Colorado. A thorough assessment of your home needs to be done. You must check over some things and you should be oriented before the selling of the home in Colorado.

These are some tips that may be helpful.

1. Make sure that the time to sell is right.

There are many things that may influence your mind on coming up with the decision to sell your home, but the timing of the sale must be correct in order for you to reap the full benefits of the sale. It needs to be thoroughly accessed.

2. You should know the precise value of your home.

The actual selling cost of your home may be much higher than you initially anticipated. In addition to contracts, codes and other things that may shock you, there are many loopholes and legalities that can prop up during the procedure. If you are unsure about anything, speak to an attorney specializing in the law of real estate or an actual real estate agent.

3. Choose an appropriate agent to work with.

If you are selling your home with the help of a real estate agent, then you may want to have the best person possible to assist you. Pick the agent that has a good marketing plan for your home which suits your needs best. Find someone who is neutral and they may have your best interest at hand. Find one who can be trusted and relied on.

4. Have realistic pricing expectations

When you are selling your home you normally add an emotional value to it. This can be understood, but it may lead to an over inflating of the actual value of your home, at most times. There are also times where people may feel that their home is less than the value it actually is.

5. Invest in smart home improvements

You can do some things to have your home made over without having to spend too much money on the improvements. Ask a contractor or real estate agent what improvements can be done that will be cost efficient and most effective for your particular situation.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Tony Newton

Home Selling Tips on Real Estate Agents

There are some things in life that shouldn’t be taken easily. And for one reason or another, home selling is one of them.

Crucial to any home selling is the planning that occurs prior to it. It must start from building the structure. Even if you have no real intention, you must already preset in your mind the idea of selling your home. You must design it in such a way that your house would welcome buyers without prejudicing your own interests. Remember that to be able to do this you will need extra measures that would supply over all effects without disregarding your personal touches.

Apart from what has already been said, here are some of the tips in home selling:

Enlist the help of a real estate agent. He must be qualified enough that he could sell your house at the best possible price. However, the degree of qualification varies in your own judgment. For example, you want your agent to have a good background on your neighborhood. This component will help him give a more realistic price on your property.

And knowing the best price in your house is one good trick. Why? Because both you and the buyer will be justified in the price you have set. While it is your intention to get the highest pay for your property, you must also learn to protect the interest of your buyer through getting around the possibility of marketing your house in a much higher price.

Besides, quoting an unreasonably high price would inhibit your buyers from checking in your house. Offering a too low price, however, would put you on the down side. This will always be lose-lose situation since commission and tax payments would decrease your sale value.

Be informed on the structure of commission. After you have found an agent, you must start constructing the listing agreement. This is a form of contract that covers all specifics and other relevant information such as restrictions. Ensure to it that all dealings are transparent.

There are agents who request to have exclusive listing on the property. This only suggests that he is the sole broker and that you would not hire other brokers apart from him. To refrain yourself from being caught into bad situations, it is best that you limit your contract only in a span of 3 months so it would be easier for you to find other agents in case your initial choice didn’t turn out well.

The usual commission rate is 6% of the total price of the house. However, you can change the arrangement depending on what has been agreed upon.

Know the best timing for selling your house. Search for facts that would give you details regarding the length of time homes in your neighborhood stays in the market. This way, you can judge when is the best timing to put your property in the market.

It is important that your agent guides you in all dealings. Say fro the bids, he must give you knowledge on who to answer bids and the contingency clauses integrated in the bid.

You see, it all lies in your choice of real estate agent. You must find one that has the best caliber. It is not enough that he just know something, he must know everything. And when we say everything, it should run down even to the finest details the business has.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Mario G. Churchill

How To Make Money At Home Fast

With mortgage rates rising and salaries plummeting in certain industries, more and more people are looking for ways to earn supplemental income, to pay for the utility bills, send their kids to college, as well as pay for soaring health care costs. With recent advances in technology, and with the growth of the Internet, finding better ways to earn extra money is quite easy, because there are more work-at-home opportunities offered today. Here’s how to make extra money fast at home.

Make Money From Blogging

Blogs used to be simple online journals where people share their thoughts, talk about their daily experiences, and show off photos, videos and other items of interest. What some don’t know is that blogging can actually be a great platform for making money at home. For a minimal start up charge, you can build your blog, and create a loyal base of readers over time. Once you’re able to build a loyal base of readers, there are actually lots of ways for monetizing your blog. Blogging can be profitable if you join unique online money-making programs like affiliate marketing and multilevel marketing. Once you become a member of an affiliate program, you can resell or promote other people’s products on your blog, along with promote an online company’s Web site by posting links on your blog. Once your readers click on the links, the parent affiliate company pays you a certain amount for the number of people you redirect to their Web site, as well as for the number of product purchases made by your blog’s readers.

Join Affiliate Marketing Programs

Affiliate programs are probably the most popular money-making programs on the Internet today. Through an affiliate program, you actually help other consumers research and choose the products they want to buy, or the services they wish to avail of. The affiliate may either place banner or link ads on your blog or Web site, and once your site visitors and readers click on the ads or the special links, you earn a percentage on every sale, or simple click of the link. To begin your affiliate marketing activity, go to a Web site that offers a wide array of affiliate products, so that you’ll have a better idea of which affiliate products to market, as well as how to promote your chosen affiliate program.

Write Articles

Article writing is also a great way for making money from home. You can write informative and relevant articles on any topic you like, or on any technical or professional knowledge. Once you’ve finished writing your articles, distribute these to different article directories or blogs. There are lots of paid article writing jobs today, from e-lance and E-how, to Web site and newsletter owners, and more. You can add a resource box and link on each article, and once your readers click this, they’ll be redirected to your affiliate or MLM marketing program, where you receive a percentage from the product purchase made by your readers.

From affiliate marketing blogging, article and video marketing, to paid surveys and pay-per-click programs, making money from home is so fast and easy today. You simply need to know where to go, and find out which program to choose, or which market niche to target.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Daegan Smith

Messe Duesseldorf Is Germany’s Visitor Magnet

Messe Düsseldorf is the largest convention center in Germany and it hosts over 20 of the top 100 global trade shows each year. It is a visitor magnet for Düsseldorf and Germany, drawing one million or more annual visitors. The popularity of Messe Düsseldorf is based on a number of factors:

  • Düsseldorf: It is called, „Paris on the Rhine.“ The architecture is a blend of modern and historic buildings that shimmers across the waters. Mercer’s 2009 Quality of Living survey ranked Düsseldorf #6 in the world and #1 in Germany. There are more museums, castles, and other attractions than there is time to visit;
  • Messe Düsseldorf: Nearly one million square meters of usable floor space is offered in seventeen mammoth connected halls. I worked three trade shows and the first glimpse of Messe Düsseldorf multi-story halls is breathtaking. Bäckerei and other shops are close-by. The catering, sanitary, and other back-services are first class. Tens of thousands of visitors come and go, every day, and the Messe remains tidy;
  • Transportation: Düsseldorf is the third largest German airport with direct international flights. Its train station is considered one of the most modern in Europe. A tram light rail system and subway easily moves visitors throughout the city;
  • Accommodations: Within the city centre is a series of first class hotels. During major shows, floating hotels are docked on the Rhine, a short walk to the Messe. The S-Bahn light rail system swiftly moves visitors to and from hotels throughout the Düsseldorf-Cologne area.

As an employee of Heidelberg, an international print giant, I spent six weeks in Düsseldorf supporting trade shows. My memories of the excitement at the Messe and the beauty of the city are warm. If you have an opportunity to attend a Messe Düsseldorf, take it. When traveling in Germany, include ‚Paris on the Rhine‘ in your itinerary. It is Wunderbar.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Mark F Weber

Castles in West Germany [Styles]

I spent four years in West Germany, in the 70s, and I’ll tell you, they have an abundance of Castles I had learned. But let me share a few styles with you. I used to think everything was Gothic, because Gothic was kind of the overall look of things but it was not so. Before the Gothic look was Romanesque, which blended into what we see in Germany now, the Gothic look. Grant you, at times it is hard to tell, I think the Germans during the Gothic times tried to copy Romanesque [700 AD to 1250 AD: Romanesque]. In Dieburg, Germany I call the tower there, Gothic, but it really isn’t, it is an 11th century tower, and it has the characteristics of Romanesque, which are a rounded appearance, thick walls with few windows; barrel vaults, rounded arches and domes. I call it Gothic because few people know the other styles. Gothic to me is 1250 AD to about 1500 AD. This style emphasizes vertical; pointed arches, ribbed vaulting; flying buttresses or ramparts [stockades] were developed to support walls, this allowed building tall, narrow windows, with stained glass. Gargoyles to hide rain spouts were created.

We all seem to know the Renaissance period quite well, but in comparing them side by side for style, it might be different. Here we return to the horizontal on the grand scale; geometric layouts and designs; classical motifs, columns, rounded arches, domes; free use of detail: the 16 Century.

Baroque, it was a style in Germany, not just music as I had often thought of the word Baroque; which fooled me when I first noticed it; go to Babenhausen, West Germany, you will see some Baroque style, I lived right around the corner to a great tower that mesmerized me ever time I passed it, trying to figure out its style, or character. It is between 17the and 18th Centuries. The tower I’m talking about is 1712 AD, so it fits in. The Bergstrass route has a castle on it, between Heidelberg and Darmstadt, of which I’ve been to both cities, Heidelberg, being perhaps the best preserved castle in Germany. And in Darmstadt, I simply went to, when I wanted to do a lot of shopping in. In any case the Frankenstein castle is there, the one they used for the ‚Frankenstein,‘ movie in the 1920s. This has a tower that is of the 17th century, but it would fit into the Baroque style, with a mere touch of the Renaissance, thus we see the changing of styles in motion here. I was at the Frankenstein Castle in 1976; and at the Heidelberg Castle in l975.

The last style I want to bring to light is the Rococo, 18th Century for the most part. It is a kind of–oh, how do I want to put this: it has twisted curves, shell work and patterns, artificial grottoes, lots of play and detail , light and frivolous. Go to the Wilhelmstal Palace, you will see what I’m talking about, north of Kassel. I was there in l976.

Kronach: tourist normally does not go to this castle, it is Rosenberg Castle, which I was there 100-families were living in the Castle. It has a nice courtyard, and dates to about 1430 AD or so. I was there in the winter of l977.

Wuerzburg: castle on the hilltop, giving it a powerful position; a beautiful castle inside and out. I went there in 1975. This is one of those Rococo castles you don’t see a lot of; or I didn’t see a lot of or notice. Built around 1719 AD; Napoleon even took a second look at it.

Aschaffenburg’s castle „Johannisburg Castle,“ as it is called is again a beautiful castle: a pink sandstone palace is really what it is; with some 400-rooms, built around the 12th Century. It had a beautiful clock I remember in it, 18th Century. I lived about seven miles from the palace.

Up and down the Mosel River you can see more castles than the mind can remember, and that goes for the Rhine river as well; butt he Mosel is the Spell of the Wine Country, and it is more beautiful than the Rhine, take my word for it. Cochem has a castle on a hill, the Reichsburg, I remember it quite well, and down by the river my twin boy chase the fat geese, and had a great time. Cochem commands the Mosel’s steep slopes, I think formed by volcanic upheavals.

The Roman Walls of Augsburg, Germany; you wouldn’t think Augsburg had anything much to do with Rome for style anyway, but it was a campsite once for the armies of the Roman Emperor: Augustus, about 15 BC. I was there in l970, and was amazed at its thick walls. Augsburg has many military fortresses, from WWII, and WWI, which American Soldiers lived in during the 70s. It seems it never did leave its original forte. Augsburg also has its religious merits, but it was not those that appealed to me back then.

The Tower at Dieburg Germany [of which I even wrote a book about the tower: ‚Cold Kindness‘] is another beautiful piece of stonework [11th century tower], located in a small park, overlooking the once embittered WWII city, bombed by the Americans. I lived here in l974, right across the street from the tower, and I got to know the people of the city quite well, and they were rude at first, but turned out to be quite nice after you got to know them. ‚Die‘ in German means ‚the‘ and ‚burg,‘ means ‚castle or fortress,‘ thus the city is named after the tower, „The Tower of the City“; Romanesque style, with a touch of the Gothic look.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Dennis Siluk Dr.h.c.

Buying Foreclosed Homes – A Little Help

When you are considering buying a home looking at foreclosed homes may seem like a good idea. You can get a good property at a good price but it may not be possible to build a relationship with the previous owner. After all, you are buying his property that he did not want to sell but was forced to by the court system. Although it would be nice to know any little quirks about the house from the owner the benefits of buying a foreclosed home will often outweigh this minor little inconvenience. One important thing to know is that buying a foreclosure is not as simple or easy as buying a regular home. You will need to take special care when buying a foreclosure.

When purchasing a regular home that was on the market to be sold one of the first things that most prospective buyers get to do is take a tour of the house. When buying a foreclosed house this may not be an option. You may be given detailed information regarding the home’s amenities, detailed information in regards to the home’s floor plan, the address, and square footage, but the first time you may be in the home is after taking possession.

You may walk into a well taken care of home or it may be run-down inside with carpet that has to be replaced, walls need to be painted, plumbing not working all the time, and a multitude of other problems. The owner may be bitter about having lost his property to foreclosure so they decide to wreck the inside of the house before being forced to move out. In some cases the price of the home is so inexpensive that what the condition of the inside of the home is not that much concern to the potential buyer.

When purchasing foreclosed homes the buyer needs to be aware that this means that the home comes „as is.“ The home may need major repairs before or after it is sold. The owner can decide to do the major repairs or not. Considering the circumstances as to why the home is being sold there is little chance that the owner will feel any obligation in helping the buyer with this problem.

In some jurisdictions, there is the right of reclamation, which means even after the home is sold the previous owner could agree to purchase the house for the same price it was sold for at foreclosure during a certain period of time. If the previous owner decides to exercise that right there is nothing that the new owner can do about it. Although this a rare occurrence it can cause substantial conflicts so buyers of foreclosed homes should be aware of this possibility.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Lora Davis

What Are The Real Costs Of Selling A Home?

Experts estimate that most people who use a Realtor will pay as much as 10% of your selling price in costs associated with selling. The cost of selling a home yourself can range from 4% to 8% of the selling price of your home. When you’re estimating your expected gains, remember that the cost of selling a home can be deducted from that figure for tax purposes.

To give you an idea of what the costs of selling a home in the current market are, take a look at the information below. We’ve included estimated costs based on a $250,000 home sale, as well as some tips for lowering or eliminating them to lower your overall cost of selling your home.

Sales commission

If you list your home with a Realtor, expect to pay 4 to 6% of the sales price, or $8,000 to $12,000 in real estate commission.

Tip: Shop around. Real estate commissions aren’t written in stone. A Realtor may be willing to accept less of a commission in a slow market, or you may be able to save money by contracting with a Realtor for specific services only rather than a contracted listing.




Closing Costs

Taxes, both transfer taxes and property taxes, and legal fees associated with the closing and finalizing of your home sale will be 2% to 4% of your sales price, or $4,000 to $8,000.

Tip: Check the laws in your state. If you’ve prepaid your property taxes for the year, you may get a credit instead of a bill. There may also be other refunds on prepaid escrow costs for home insurance and other costs of selling a home.


– 8,000


Paying Off Your Mortgage

Whatever the remaining principal balance is on your current mortgage will have to be paid off upon the sale of your home. Just to keep things simple, let’s say that you still owe $50,000 on your current mortgage. If there’s a prepayment penalty, you’ll need to deduct that from your eventual sales price as well.

Tip: Ask your lender to prepare a payoff statement for you to check your figures. If there is a fee charged for the service, you can deduct it as one of the costs of selling a home.




Repairs to Your Home

The cost varies widely depending on the age of your home and how well it’s been maintained. At the very least, you should get a home inspection to identify any possible problems to avoid being surprised by them at closing. You should plan on paying about $300 for a home inspection.




Pre-Sale Facelift

Again, the cost varies with the work that’s needed to get the house looking its best. Conservative estimate: $300 for new paint, screws and hardware, carpet for living room floor and landscaping service




Moving costs

The cost of moving from one home to another are included in the cost of selling a home. It may be as little as $1000 to as much as $12,000 for a cross country move. Let’s be conservative again – $3,000




Other relocation costs

You may need to replace appliances, pay off school transfer or gym fees, or pay storage for your furniture. There are many unexpected costs of selling a home which may amount to nothing, or add up to a good chunk of change.

Even without adding in other relocation costs, you can see how the cost of selling a home can reduce your final cash gain. The good news is that most of those costs are deductible on your taxes.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by B Shelton

Buying Real Estate in Down Market

When you plan to buy a home in a down market condition, it is very essential that you know all the things that will help you earn great deals from it. When there is a sluggish real estate market, the prices of homes decline. This is the most appropriate time to purchase a property as you will be able to buy it at a cheap price.

It is absolutely essential that you do your homework before buying a property. Know an area well before making any move. Learn about the price range of properties in that area. It will help you in bargaining with the seller and you can get a house within your price range.

You should remember that you are not the only buyer hunting for a particular property. To be sure that you do not have a competitor, get your mortgage pre-approved so that the seller knows that you are financially sound. He will be more interested in selling his property to you.

You should always hire a professional real estate inspector to be sure that everything in the house is in a proper state. It may so happen that the roof or the doors and windows are cracked and that might cost you heavily in the long run. So check everything properly before purchasing a property.

Always take assistance from a professional real estate attorney who knows well the real property law associated with any real estate deal. He can do all the paperwork on your behalf for real estate laws are very difficult for a normal person to understand. It is also advisable to look out for motivated sellers.

A motivated seller will always be motivated to sell his home and that too at a lower price. The motivated sellers have some compelling reasons behind selling a home. It will be helpful for you in making a great negotiation with the seller. By purchasing the property from a motivated seller, you are also helping him at the same time.

While purchasing a property during a down real estate market condition, you need to take care of all these things to crack big deals. Real estate industry is a place where you can make really good investments provided you have ample knowledge and expertise.

You can also take advice from real estate experts as to how they were able to earn profits when the market conditions declined.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Prudence Wong

Risk of Buying a House During the Redemption

Financial distress may force a homeowner to sell his property. But there are also times when it is foreclosed by the financial institution to which the property is mortgaged. Yet, the redemption period still gives an opportunity to reown the house. However, there are risks which should be considered in order to take advantage of the stipulated time.

First, the redemption period is time-constrained. This means that the homeowner will be given a short period to reown the house after the buyer or the third-party has filed the necessary paperwork to the court. After such period, the chance to regain ownership of the house will be forfeited.

The second risk is associated with the price to regain ownership. Normally, the price tag isn’t all that should be shouldered as there are also mortgage overdue, taxes, and documentation costs. All of these should be paid within the period allotted.

Third, there are personal risks such as the capacity of the owner to raise huge amount of money to cover the necessary expenses to reown what used to be under his namesake. During the financial distress, there might be other expenses that arose such as unpaid utility bills, credit charges, and school fees. These can come on top of regular costs of daily food and travel.

There can also be associated risks that can pop up from the situation such as when relocation is an option until such time that the house is reowned. If moving out is the top choice, then there can again be expenses that could eat up the amount trying to be earned for the redemption. But there are circumstances when the third party would still allow the owner to dwell until it is redeemed or until the redemption expires.

The redemption period is like a last ticket to a must-see movie. But unlike movies which can possibly be streamed on the internet, reownership of a house is tricky. It concerns effort, time, and money. These three needs to be combined seriously along with the right mixture of perseverance in order for the redemption period to be a fruitful endeavor towards repossession of the property where memories and moments are shared and created.

If you are currently under a redemption period and you’re quite unsure of the steps to take, your friendly local real estate agent is just a call away. He will be more than happy to guide you step-by-step and will even give you advices on the situation.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Desare A Kohn-Laski

Gruß an die Globalpinoy-Krankenschwestern

Sicherlich kennt jeder Pinoy mindestens eine Krankenschwester, die im Ausland arbeiten möchte oder bereits arbeitet; Sei es ein Verwandter, ein Freund, ein Bekannter oder ein Nachbar, den Sie hin und wieder in Weiß sehen. Ich nenne sie die White Hustlers – nein, nicht die White Walkers, obwohl sie manchmal wie Zombies aussehen, nachdem sie mehrere Klinik- oder Krankenhausschichten übernommen haben!

Sie waren einst Studenten, die darauf bluteten, Tonnen von Informationen aus den dicken Büchern direkt in ihre unermüdlichen Gehirne zu schlucken, ganz zu schweigen von dem Rütteln nach anstrengendem Absolvieren von Klinik- und Laborstunden und dem Trotzen durch die Zertifizierungs- und Prüfungssaga.

Wo sind sie jetzt?

1. Im Ausland als Mediziner seinen Traum leben. Ja!

2. Im Ausland, ihre Träume leben und etwas anderes tun. Woah!

3. In unserem geliebten Land ihre Träume als Mediziner leben (Gruß!).

4. In unserem geliebten Land, in einem anderen Bereich hervorstechend, hoffentlich immer noch nach dem Pflegeprozess lebend. Beifall!

Ihre Wirkung

Unbestreitbar kümmern sich Krankenschwestern nicht weniger um die Gemeinschaften als andere Fachleute. Über die Wissenschaft der Gesundheit hinaus sorgen sie nicht nur für ihre Patienten, sondern auch für ihre Vorgesetzten, Kollegen, Freunde, Familie und Landsleute. Natürlich überweisen sie Geld, aber sie tragen auch dazu bei, unsere wirtschaftliche Gesamtsituation zu verbessern und dabei die Messlatte in der Gesundheitspraxis weltweit (oder in der Branche, in der sie tätig sind) höher zu legen.

Die Herausforderung

Ungefähr 19.000 Pinoy-Krankenschwestern gehen jedes Jahr ins Ausland, um hauptsächlich für ein höheres Gehalt und eine angemessenere Arbeitsbelastung zu arbeiten. Nun, das ist für diejenigen, die das Glück und die Ausdauer hatten, genügend Erfahrung zu sammeln, um für Jobs im Ausland in Betracht gezogen zu werden. Der Rest hat seine Zeit und Energie darauf verwendet, sein Leben als Vertreter, leitende Angestellte, Fachleute und sogar Führungskräfte in den Bereichen IT, BPO, RPO, Finanzen, Versicherungen usw. zu verbessern. All dies führt zu – ja, Sie haben recht – zu wenig Pflegepersonal in den PH-Krankenhäusern.

Du teilst

Während der Gesetzgeber sich genug Mühe gibt, die Löhne und Leistungen für Regierungsangestellte und Krankenschwestern zu erhöhen, würde es nicht schaden, die White Hustlers so gut wie möglich zu schätzen. Respektieren Sie die Ihnen zugewiesene Krankenschwester oder die, die Sie jeden Tag auf der Straße sehen. Sprechen Sie mit ihnen über Gesundheit, Hygiene, Ernährung oder irgendetwas Vernünftiges; Glauben Sie mir, wir wissen mehr, als nur Ihren Blutdruck zu messen.

Jubeln Sie mit mir für die #GlobalPinoy Nurses auf der ganzen Welt, während wir uns bemühen, ihre Situation zu verbessern, wo immer sie sind (Gruß!). Wenn Sie Fragen oder Anmerkungen haben, schreiben Sie einen Brief an

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Aian Guanzon

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