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anonymous

Budget Your Expenses and Income with Business Credit Cards - 0 views

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    With the help of Business Credit Cards, you can easily manage business budget and business expenses.
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Tim Smith

HomeGain -- Find a real estate agent - Realtor - Real Estate - Homes for sale - Home Bu... - 0 views

  • Interview Your Agent HomeGain's anonymous profile service allows you to review sales proposals from local agents without pressure or commitment. In comparing sales proposals, consider several factors, including experience, local knowledge, credentials, brokerage services, cost and marketing plan. After comparing proposals and backgrounds of agents, then schedule an interview with at least three agents. Questions to ask a prospective agent "Do you work full-time or part-time as a real estate agent?" Full-time work typically means more attention for you. "How well do you know the area(s) I am interested in?" An agent who specializes in the area in which you are interested is preferable. Definitely interview the agent who has the most for-sale signs in your neighborhood. "How many other sellers or buyers are you representing now?" The busiest agents often are the most efficient."Will you handle all aspects of my transaction or will you delegate some tasks to a sales associate or administrative assistant?" A knowledgeable assistant can be invaluable, but make sure that you can connect with your agent when you need to."How much can I expect to pay?" Commissions are negotiable depending on what kind of listing arrangement you have with your agent. "Can you give me a comparative market analysis of recent sales in the area and homes currently on the market?" This should contain listing and sales prices for recently sold homes as well as sales prices and the listing date of homes currently for sale. It also should include detailed property descriptions (such as square footage and numbers of bedrooms and baths)."What does your marketing package contain in addition to a comparative market analysis?" Listing presentations should also include a suggested asking price; information on the local housing market; advertising plans; a discussion of various listing agreements; and an analysis of sale proceeds at various price points and commission levels."Can I list the house with you for 60 to 90 days?" Most consumer experts agree that a three-month listing period, or less, is best. You can always renew the listing agreement at that time. "Is your license in good standing?" You should check an agent's certification yourself with your state's department of real estate. "How many years of education and experience do you have?" Experience and continuing education typically make for better agents. "Are you also a broker and/or a Realtor?" Brokers have more stringent licensing requirements and responsibilities. Realtors are voluntary members of the National Association of Realtors, a trade group.
    • Tim Smith
       
      should know how to answer these basic questions in our sleep... speeking of sleep... im outta here for the night.
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Tim Smith

Palm - Support - WebSphere Everyplace Micro Environment Download - 0 views

  • Windows Installation Instructions Download WEME571.zip (1.77MB ZIP File) Extract the contents of the zip file using a standard unzip utility. Note the location where the folder WEME571JVM is unzipped to. Launch Palm Desktop. Select Quick Install icon. Select the correct user name from the User list. Navigate to the WEME571JVM folder that was unzipped in Step 2. In that folder, open the JVM folder. In that folder, open the ARM4T folder. In that folder, select J9JavaVMMidp20.prc and JavaVMCheck_enUS.prc. If you want a non-English version, you must install these files: J9JavaVMMidp20.prc file J9JavaVMMidp20_xx.prc file with your language version ("de" is German, "es" is Spanish, "fr" is French, "it" is Italian, "ja" and "jp" are Japanese, "zh" and "CN" are Chinese) JavaVMCheck_xxXX.prc file with your local version Drag and drop the selected files to the Quick Install window. Depending on your setup and requirements, you can explore the other folders and install the other files. The ones listed above are mandatory; the others are optional. Consult the Java software developer for more information about which files you need to run the application on your device. Perform a HotSync operation.
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Tim Smith

Coldwell Banker Wallace & Wallace: Listing, Profile, and Homepage - 0 views

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Tim Smith

101 Reasons to Consider a Real Estate Agent - Yahoo! Real Estate - 0 views

  • 101 Reasons to Consider a Real Estate Agent Appreciating the Numerous Steps an Agent Takes for Homeowners With more real estate resources available on the Internet, it may seem as if buying and selling a home is an easy task. These 101 reasons will show you the extent of knowledge and experience that an agent provides to help you through a real estate transaction. This list reflects actions, procedures and processes that a real estate agent may typically perform during a residential real estate transaction - and are all things that you could avoid doing yourself. Typical Pre-Listing Activities 1. Research Current Properties 2. Research Sales Activity from MLS and public records databases 3. Provide Average Days on Market Assessment 4. Review Property Tax Roll 5. Prepare a Comparable Market Analysis (CMA) 6. Verify Ownership and Deed Type 7. Verify County Public Property Records 8. Perform Curb Appeal Assessment 9. Provide Public School Value 10. Provide a Listing Presentation 11. Analyze Current Market Conditions 12. Present Credentials 13. Deliver CMA Results 14. Discuss Planning and Strategy 15. Explain Listing Contract, Disclosures & Addendum 16. Screen Calls from Buyers or Agents 17. Explain Homeowner Warranty Selling the Property Activities 18. Review Title Details 19. Order Plat Map 20. Create Showing Instructions 21. Obtain Mortgage Loan Information 22. Review Homeowner Association Fees and Bylaws 23. Submit Homeowner Warranty Application 24. Add Homeowner Warranty in MLS 25. Review Electricity Details 26. Arrange Inspections for City Sewer/Septic Tank Systems 27. Collect Natural Gas Information 28. Provide Security System Status 29. Determine Termite Bond Status 30. Analyze Lead-based Paint Status 31. Distribute Disclosure Packages 32. Prepare Property Amenities 33. Detail Inclusions & Conveyances with Sale 34. Compile Repairs Needed List 35. Send Seller Vacancy Checklist 36. Install Lockbox 37. Make Copies of Leases for Rental Units (if applicable) 38. Verify Rents, Utilities, Water, and Deposits for Rentals 39. Inform Tenants of Listing for Rentals 40. Install Yard Sign 41. Perform Interior Assessment 42. Perform Exterior Assessment Advertising and Marketing a Listing 43. Enter a Profile Sheet into the MLS Listing Database 44. Provide Copies of MLS Agreement 45. Take Additional Photos for MLS and Marketing 46. Create and Advertise Property Listing 47. Coordinate Showing Times 48. Create and Mail Flyers 49. Compare MLS Listings 50. Develop Marketing Brochure 51. Notify the Network Referral Program 52. Create Special Feature Cards 53. Analyze Feedback Emails and Faxes Handling Offers and Contracts 54. Receive Offer(s) to Purchase 55. Evaluate Net Sheet 56. Counsel and Mediate Offer(s) 57. Deliver Seller's Disclosure 58. Obtain Pre-qualification Letter 59. Negotiate Offers on the Seller's Behalf 60. Mediate Counteroffers or Amendments 61. Fax Contract Copies 62. Deliver �Offer to Purchase� Copies 63. Assist with Escrow Account 64. Distribute Under-Contract Showing Restrictions 65. Update MLS to �Sale Pending� 66. Review Credit Report 67. Deliver Unrecorded Property Information 68. Order Well Flow Test Reports (if applicable) 69. Order Termite Inspection (if applicable) 70. Order Mold Inspection (if applicable) 71. Confirm Deposit and Buyer's Employment 72. Follow Up with Loan Processing 73. Communicate with Lender 74. Confirm Approval of Loan 75. Remove Loan Contingency Home Inspection and Home Appraisal Activities 76. Coordinate Buyer's Home Inspection 77. Review Home Inspector's Report 78. Interpret Loan Limits 79. Verify Home Inspection Clauses 80. Contractor Preparation 81. Confirm Repair Completion 82. Attend Appraiser Appointment 83. Provide Appraiser Information and Remove Contingency Closing Preparations and Actions 84. Ensure Contract is Sealed 85. Coordinate Closing Process 86. Coordinate Closing Formal Procedure 87. Assist with Title Issues 88. Perform Final Walk-through 89. Verify Tax and Utility Preparations 90. Review and Distribute Final Closing Figures 91. Request Closing Document Copies 92. Confirm Receipt of Title Insurance Commitment 93. Make Homeowners Warranty Available 94. Review Closing Documents 95. Confirm and Assist with Final Deposit 96. Coordinate with Next Purchase 97. Ensure "No Surprises" Closing 98. Final MLS Update 99. Follow Up and Resolve Repairs 100. Documentation Follow Up 101. Hand the keys to the new owner
    • Tim Smith
       
      Brought to you by Yahoo! Real Estate Site Submit by: Tim Smith Coldwell Banker Wallace & Wallace tim.smith@coldwellbanker.com East Tennessee's Home Team
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Tim Smith

Sales Associate details - 0 views

    • Tim Smith
       
      Tim Smith Associate Broker Coldwell Banker Wallace & Wallace, Realtors 10815 Kingston Pike Knoxville, TN 37934 print save Specialty markets First Time Buyers Buyer Representative Lot/Land Retirement
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Tim Smith

Mish's Global Economic Trend Analysis: The Changing Business of Real Estate (Part 1) - 0 views

  • Like it or not (and the NAR doesn't like it one bit) the business of buying and selling a home is changing
  • Joe Fox said the percentages in Iggy's Facts come straight from the NAR. So if 64% of home buyers find a home without the help of an agent (24% online and the rest driving around neighborhoods or by other means),
  • BuySide Realty operates on the principle that people who find the home they want to buy should get paid for their effort. So BuySide actually shares with the buyer 75% of the commission
  • ...12 more annotations...
  • a $500,000 home with a 6% commission spit equally, BuySide Realty would return $11,250 to the buyer of the house. If the commission was split 4% to the buyer's agent (not uncommon in this market) BuySide Realty would return $15,000 to the new home buyer
  • BuySide keeps the other 25% for providing expert advice
  • Once you register you can print out a business card to hand to the agent at any open house you attend. BuySide will also arrange appointments on your behalf
  • BuySide agents are paid a regular salary as opposed to the commission based structure
  • distinguishing feature of the BuySide model is pre-approval not just pre-qualification. Before scheduling a private showing on any listing in their system, a buyers must be pre-approved. If someone can not afford a house they want to look at, it simply will not be shown
  • Currently BuySide is doing business in 5 states: Illinois, California, Florida, Virginia, and Georgia
    • Tim Smith
       
      in another article as of april 5-07. buyside is ready to do business in washington state and texas. t.s. cbww
  • Buyside expands to all 50 states, that is going to result in a big dent in the pockets of real estate agents as buyers flock to take advantage of BuySide's significant improvement over the current business model
  • These changes will dramatically affect the current real estate commission structure and who benefits.
  • Joseph Fox, CEO of both BuySide Realty and its sister company IggysHouse
  • "In contrast, our model is based on service, customer satisfaction, and trust".
  • BuySide will be rolling out additional states soon and eventually plans to be in all 50 states.
  • Tomorrow we will take a look at the sell side of the equation from BuySide's sister organization known as Iggys. I will have some final thoughts at that time as well. Stay tuned.
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Tim Smith

The Effect of Typeface on the Perception of Email - 0 views

  • When choosing a typeface for a document, the level of appropriateness should be taken into account in order to avoid sending unintentional messages.
  • DISCUSSION The results from this study suggest there is a relationship between typeface selection and the reader’s perception of an email. The email presented in the typeface that was judged in previous studies to be low in appropriateness for email (Gigi) was perceived to be less stable, less practical, more rebellious, and more youthful than either Calibri (highly appropriate) or Comic Sans (moderately appropriate).
  • Table 2. Means and standard deviations for 15 adjective pair list. This was used to assess the personality of the email documents. Those in bold were significant.
  • ...19 more annotations...
  • Figure 6. Example question of perception of author’s employment level.
  • Figure 5. Example question of perception of author’s ethos based on a seven-point scale.
  • The Effect of Typeface on the Perception of Email
  • Summary: This study investigated the effect that a font has on the reader’s perception of an email
  • Since email is commonly used for personal as well as professional communication, it is imperative to understand the ramifications of personal choices when composing emails
  • type has the ability to communicate on its own
  • Typefaces can influence the mood of a document in three possible ways: the typeface may reinforce the text and mood; the typefaces may conflict with the message/mood; or there may be no influence resulting in a neutral effect.
  • Table 1 shows the percentages for each of the 20 fonts for the use of email. The three fonts chosen for this study represent either a high (Calibri), medium (Comic Sans), or low (Gigi) level of appropriateness as deemed by the users. Table 1. Rank order of fonts that should be used for email
  • The ethos section was divided into two parts. Part 1 examined perception of the author based on five areas: knowledge, believability, maturity, professionalism, and trustworthiness
  • The millions of people that email friends, family members, and co-workers should be aware of the fact that typeface can have an effect on the perception of the content. Typefaces should be chosen to reflect the message of the content and care should be taken to ensure that the typeface does not conflict with the intentions of the author
  • METHOD Participants A total of 120 participants (58% male, 42% female) completed the survey and were compensated $10
  • Selection of Stimuli A sample email was displayed in one of three fonts (Calibri, Comic Sans, or Gigi)
  • Procedure Participants were shown the email document in one of three fonts (Calibri, Comic Sans, or Gigi).
  • Personality Traits(4/1 scale) Calibri m(SD) Comic m(SD) Gigi  m(SD) stable/unstable 3.00 (1.09) 2.63 (1.06) 2.05 (.99) flexible/rigid 3.17 (1.06) 3.25 (.81) 3.25 (.87) conformist/rebel 2.87 (.98) 2.85 (.86) 2.18 (.90) creative/unimaginative 2.73 (.93) 2.62 (1.08) 2.95 (.93) sad/happy 1.53 (.60) vAlign=bottom noWra
  • Table 3. Mean and Standard deviations for the second section of survey. This was used to assess the perception of the author and intended audience. Those in bold were significant. Ethos Questions(1-7 scale) Calibri m(SD
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bogzz69

Investment Property : Real Estate Investments : Heaven Investments - 0 views

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geddyyonah g

Pelican Bay - 0 views

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    good post
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geddyyonah g

Are you looking for a Florida foreclosure? - 0 views

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    Many potential buyers in Naples real estate market are looking for possible short sales, pre-foreclosures, or foreclosed properties. Their search begins with reading that the state of Florida is one of the states with the highest number of foreclosures.
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anonymous

Take Advantage of Small Business Credit Cards with rewards - 0 views

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    Do you know how to make most of your business credit card rewards? Find out the different rewards the business credit cards offers and how it most suited to your business needs and reap the rewards you deserve.
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Chris Pope

Chris Pope - Calgary Mortgage Expert - 0 views

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    Chris Pope - Dominion Lending Centres Mortgage Expert! Dominion Lending Centres is a National mortgage company that works with Canada's largest banks, credit unions and trust companies.
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Chris Pope

Calgary Real Estate Portal - 0 views

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    Detailed, impartial look at the Calgary Real Estate market, with information on buying and selling property, the state of the Calgary market, and current mortgage lending rates and policies.
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karirhy

Take advantages From Home Equity Loan - 0 views

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    Do you keep hearing about home equity loans? The bills are out of control and you need a new car. quot;Maybe we can get a new carpet and paint the house quot;, you say to yourself. and you keep hearing about home equity loans. These are just a few reasons why home equity loans can seem like the solution to all your problems and are so popular!
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karirhy

Mortgage Applications Decline in Latest Study - 0 views

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karirhy

Home Mortgage Rates: The Ways Your Finances Affect the Mortgage Rate You Get - 0 views

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karirhy

Home Mortgage Rates: Mortgage Rates Inch Higher as Rising Inflationary - 0 views

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karirhy

Home Mortgage Tutorial: Certain The Periode of Your Mortgage Loan - 0 views

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    Adjustable rate mortgage, Financial Services, Fixed rate mortgage, Home, Loan, Mortgage, Mortgage loan
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karirhy

Home Mortgage Tutorial: One More Options, Home Mortgage From Allied - 0 views

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    Home Mortgage Tutorial
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