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Today, relaxing in tanning beds to achieve the perfect tone of bronzed skin is a common activity. This $5 billion a year industry used to be reserved as a luxury for those in the upper class, but now millions of people enjoy this indulgence, regardless of income. Many of these people want the benefits of a tan, but just don’t have the time to bask in the sun, so they take advantage of the controlled exposure to UV light.

This popularity created a new trend in the creation of home tanning beds. As the prices for a tanning bed for sale decline, more people are buying them for their home. This article details the pros and cons of investing in home systems, including some factors to consider before purchasing a tanning bed for sale.

It Costs Less

Visiting a salon can get expensive over time. Many people have a hard time justifying a trip to a salon, especially those who consider it a luxury. While purchasing a home tanning bed for sale requires an upfront investment, it eliminates the monthly fees of a salon, costing less in the long term. As it can require many salon sessions to develop a base, plus additional sessions to maintain it, it is possible to pay for your home system with your salon savings in a short time.

It Is Convenient

Although visiting a salon offers people the convenience without having to spend hours out in the sun, home tanning beds offer even more convenience. Instead of jumping in the car and driving to the salon, home users simply walk over to their home system.

Offering a higher level of convenience, these home units provide you with the option to tan whenever it’s convenient for you. It doesn’t matter whether it’s the middle of the night, an hour after work, or right when you wake up in the morning, you can tan anytime. Home systems offer a great alternative to those with busy work schedules, especially those who travel frequently or work odd hours because they don’t have to try to arrange their schedule to fit their salon’s schedule.

Lastly, home units offer year round treatments. Whether it’s a bright and sunny day in July or a snowy day in February, people with home systems can maintain their tan anytime in the privacy and convenience of home.

The Cons Of Home Tanning Beds

While there are plenty of pros, there are also a few cons to owning these systems. First, you must manage your own exposure level when using your home system. This includes monitoring the amount of time spent under the lamps per session, the number of sessions per week, and even the use of protective goggles and lotions.

You will also have to keep your system maintained, including replacing the bulbs regularly so it always provides you with an even tan. Regular cleaning is also crucial to the long life of your system. Finally, you will need to make sure you have the proper supplies on hand, including goggles, lotion, and bulbs.

By keeping the pros and cons of tanning beds in mind, you will have the knowledge necessary to decide whether a home tanning bed for sale is right for your lifestyle.

Immobilienmakler Heidelberg

Makler Heidelberg

The buzzword today with residential real estate agents is staging. Staging a home can change a homes atmosphere that appeals to homebuyers and which may bring a higher price and accelerate market time. By adding small decorative touches, rearranging or deleting furniture or creating vignettes a home can look like a professional stager was hired.

Mark Nash author of 1001 Tips for Buying and Selling a Home has seen the best and worst in home staging as a real estate broker in Chicago and he shares some do’s and don’ts for home sellers that want to try to stage their home.

Do’s

-Pick-up recent home decorating magazines. If your not up to speed on current decorating trends it will help familiarize yourself with how interior design is being marketed. Tab pages with low-cost ideas that which will make your home say today.

-Invite a friend or real estate agent over. A second or third pair of eyes will help you accent the best and edit the worst in your home. Be prepared for some constructive criticism. You want to hear it before you put your home on market, not as feedback from prospective buyers. Go room-by-room with a worksheet so you can take notes. Depending on how much time you have available for an update or a makeover, you will need to prioritize and figure out what will give you the biggest return. Do this at least two months before you put your house on market.

-Stage a home office if you don’t have one. They’re not a trend; they’re required for homebuyers in 2006. Many homebuyers today work from home part or full-time or want a space where they can organize their life and park a computer. Find an extra bedroom, walk-in closet or an unused corner and convert into a home office. Make sure there is a convenient electric, telephone and cable supply.

-Focus on living spaces. These areas are where the majority of homebuyers will spend their time. Place a side table and a floor lamp next to a comfortable chair as a reading corner. Float sofas and coffee tables away from walls for a designer look. Use area rugs to anchor furniture groupings on bare tile and wood floors. Living spaces must have matching table lamps. Streamline family photos and place green plants in room. Fireplaces should always be operable and on in season. Place groupings of candles and clear glass bowls filled with natural potpourri on side and coffee tables. Substantial wicker baskets can organize magazines, remote controls and toys. Limit knick-knacks to make room for staging materials.

-Give attention to Kitchens. Put away in a handy drawer all dish towels and rags. Reduce recipe boxes, barrels of cooking utensils, excess-cooking machines, and cookbooks by two-thirds to open up counter spaces. For a quick update put new hardware on cabinets. Find an out-of-the-way place for a portable dishwasher. Clean off everything on the refrigerator door. Omit throw rugs scattered around the kitchen. Clean off windowsills to open up exterior views. Organize cabinets with clear containers. If you can’t see the back wall of a cabinet, buyers will think you don’t have enough storage space. Ditto closets. Budget to keep a variety of fresh fruit in a glass bowl on the counter. Edit family bulletin boards. Remove old curtains and install new wood blinds on windows.

-Spend time on sleeping and bathing spaces. Often over looked in the frenzy to get a home on market, these spaces can make or break a home. Buy a set that consists of a matching bed skirt, bed spread, pillow covers and blinds to match. Buy a new shower curtain and separate liner. Wash the liner often if mold develops. Add complete sets of towels that coordinate with your new shower curtain. Clear all cosmetics off vanity. If you have an over-the-toilet cabinet consider removing and place a piece of artwork in its place. Remember to keep items in the „too much information“ category, out of view. If you have a king-size bed in a small room, you’ll pay to have buyers over come this negative, so get rid of it now. Clear off dresser and nightstands of excess. Make sure the bedroom receives the maximum natural light. Install closet organizers in closets. Eliminate wall and door hooks for clothes. People might look under your bed, no surprises please.

-Remember first impressions in entries. A simple consol table with mirror over makes a nice entranceway. Make sure this space is well lit day or night. Place adhesive under rugs so buyers don’t trip or slide.

Don’ts

-Use inexpensive silk flowers. Nothing distracts buyers more that silk flowers that are past their time, inappropriate for the season or thrown together. Throw them out, now.

-Forget to upgrade Fido’s bowl. I’ve experienced more unhealthy pet food bowls, watering stations and litter boxes than I care to remember. We know you love your pet, but prove it to homebuyers.

-Overlook window coverings. Buyers today think less is more in window fashion. They want the most light and the least embellishment on windows. And no layered treatments with sheer panels please.

-Use low wattage light bulbs. Dark, dim rooms are unappealing to homebuyers. They want to see what they might buy. Replace bulbs with manufacture recommended wattages and especially the burned out ones. The newer low-energy bulbs don’t cast home or people in flattering light.

-Think that everyone loves wallpaper. No two people have the same taste in this instant decorator finishes. If it’s more than three years old, take it down and paint in a neutral color. And wallpaper boarders are out.

-Paint with commitment colors. If you’ve determined that you need to paint, stay away from bold or as I call them commitment colors. Commitment colors are those buyers either love or hate. It can be difficult for buyers to overlay their style on them. As one client said to me “ I don’t live in a magazine.“

-Think cleaning is a part of staging. Cleaning is what you do before staging. Everything should shimmer and shine. Don’t forget the windows.

Use these do-it-yourself tips to place your home on the stage of your local home sale theater.

Immobilienmakler Heidelberg

Makler Heidelberg

You’ve decided, for any of a number of reasons, it’s time to sell your beloved home. Will you opt, to be your best friend, or worst enemy, based on the actions, you either choose to do, or avoid? In over a decade, as a Licensed Salesperson, in the State of New York, I have observed, how some homeowners, significantly help and assist their cause, while others, take actions, which often appear, at odds with, their best interests! This article will briefly examine, using the mnemonic approach, whether you are prepared for SELLING your home.

1. Strong points; system; staging: Will you be willing to objectively examine, your strong points/ assets, while admitting areas of weakness? Why would someone want to purchase the house? What is different/ better/ unique, about the home, which might help its marketing efforts? Will you commit to listening to, and adopting the system, your selected, professional, real estate agent, recommends, so you and your agent, proceed, on the same page? Will staging benefit the possibilities of selling the house, at the best possible price, in the shortest period of time, and with the least hassle?

2. Emphasis: Discuss your home, in detail, with your agent, and come to a meeting – of – the – minds, regarding the best place, to put the emphasis! How will you determine that, and how will you determine, what to emphasize?

3. Listen: You want your real estate agent to effectively listen to what you want, so doesn’t it make sense, for you to use effective listening, and maximize the potential, for effectively marketing your property?

4. Learn: Commit to learning from what your agent tells you, so you do what will be helpful, to successfully completing the sales process!

5. Impression; ideas: What will be the first impression, potential buyers might experience? How will you effectively distinguish your house from the competition? Will you listen to the professional ideas, offered by your agent?

6. Needs; nuances: Will you objectively consider, evaluate, and pay close attention to the needs, of marketing your house, effectively? Is there a specific niche, which might be the ideal market, and what nuances, might your agent’s marketing plan, include?

7. Get it done: Selling a home, in the real estate market, must be a proactive, well – considered activity, which considers how to best get it sold! How will you and your agent, get it done?

Don’t just say, you want to sell your home! Are you ready, willing and able to do what’s necessary, and, truly, prepared, for SELLING your house?

Immobilienmakler Heidelberg

Makler Heidelberg

Not so long ago selling a house was possible only through a real estate agent. This was mainly because there was no way for sellers and buyers to connect directly. And, the real estate agents would charge an exorbitant sum for providing their services in form of commission. But thanks to the internet, there are new ways of communication that have powered property sellers for selling a house privately.

What does selling a house on the internet imply?

These days we look towards the internet for all our needs. In the real estate sector, buyers no longer rely only on real estate agents to find a home for them. They search online for homes. The internet provides them the convenience of searching homes from the comfort of their home. They can also filter the listings according to their preferences such as the location, number of rooms, budget, etc. This helps them shortlist properties easily. They only need to visit properties that they have shortlisted. Therefore the entire process of finding a home saves their efforts, time and money.

If you are a seller and know that buyers are looking online to buy a property, then it definitely makes sense to channelize your efforts towards listing it on property portals. You can easily eliminate the agent from the process and sell it online.

While selling a house privately it is important to understand the role of a real estate agent. An agent essentially markets your property; arranges viewings of your property with potential buyers; negotiates the price and closes the deal.

The internet offers you a great platform to market your house.

All that you need to do to sell your property privately is:

• Price your house accurately. You can seek the services of a professional property appraiser for accurate pricing.

• Identify the property listing websites where you will list your house.

• List it on the site by uploading a description of your property.

• To give the potential buyers a clear idea of your house, upload attractive photographs.

• Uploading a virtual tour of the house is also beneficial.

• Once the potential buyers view the property online, they will directly connect with you.

• You can arrange the viewing of the house.

• Once a buyer is finalized, negotiate the price of the property.

• You can sell it without an agent easily.

Therefore, selling a house privately is not as complicated as it seems. It just requires some dedicated efforts. And, you will realize that a little bit of legwork does not hurt especially if there is so much to gain.

Immobilienmakler Heidelberg

Makler Heidelberg

Some how in the world of buying and selling, there are few people who seem to have more power than they understand having. These people include loan officers at the bank, police officers and believe it or not, real estate agents. There are some home buyers that are afraid to call the number listed on the outside of a home for fear that the real estate agent will want to „meet“ them in person. For some unknown reason, new home buyers think real estate agents will hassle them on the same level as a car salesman. That belief could be no farther from the truth.

I Will Get You In a Home Today!

The car salesman has one aim and one aim only. That aim is to get the potential car buyer into a car that same day. The real estate agent, on the other hand, understands the fact that there is literally no way possible to get a home buyer into a home in one day. The fears many first time homebuyers or new home buyers have about the real estate agent is as close to absurd as you could possibly get. But, where does this the fear begin?

Most often, word of mouth about a bad real estate experience is what the buyer ends up with a fear of the real estate profession. Home buyers have heard from a friend or friend of a friend that the real estate agent they worked with on their home sale or when they were trying to buy a home was cut throat and tried to force them into a home they didn’t like. This fear then passes down from friend to friend to the potential home buyer looking at the home you have listed. If a home buyer takes that chance and calls the number posted on the outside of the home they are immediately on guard; waiting for the real estate agent to request a meeting.

How Does the Real Estate Agent Beat Fear?

The best way for real estate agent to deal with the potential home buyer fear of meeting up with the agent is to suggest an open house in the future, or offer to show the family the inside of the home before meeting up with them in your real estate office. If the potential home buyer likes the home they will be more likely to drop that fear and talk with you about possibly purchasing the home. It is important when you meet the family or couple for the first time to offer them as much information as possible about the home; both good and bad. By being completely open with the potential home buyer about the home they will immediately fear less and trust more.

Immobilienmakler Heidelberg

Makler Heidelberg

If a landlord has a property to rent out, he has the option of looking for a tenant on his

own. Instead of exploring this option, he can seek professional help to find the right

tenant. It is advisable to hire a property agent though many landlords are tempted to

save brokerage fees. The consequences of not having a property agent are disastrous

as the landlord ends up with a tenant who proves to be a source of trouble. Hire a

property agent who is an expert in the rental business segment to avoid regrets later.

Best price

Since a real estate agent has the latest updates regarding ongoing rates in various

localities, he is able to provide a tenant who pays the highest rent for the property.

Saving in Cost

A real estate agent can place advertisements on behalf of the landlord at zero cost.

He uses his superior marketing services and network to generate leads. But a

landlord has to spend his money on releasing advertisements in the papers to find a

tenant.

Client base

A real estate agent already has several clients looking for a good rental option and

this saves time and resources. His database is useful.

Undue advantage

A real estate agent handles negotiation with the tenant and ensures the terms and

conditions set by the landlord are not modified by the tenant. When a property agent

is involved, a tenant cannot take any advantage or put forth clauses.

Multiple responsibilities

A real estate agent bears all the responsibilities related to the rental

process. Advertising, showing of the property, tenant screening, preparing the

lease document, and collecting funds are his key duties.

Background check

A property agent digs up the past of a tenant – the relationship he shared with his

previous landlord. He is able to know whether the tenant behaved well with his

earlier landlord, paid rent on time, and maintained the property well or not. Getting

the right tenant is the prime reason why you need to hire a property agent. Seek a

tenant who cares for the property and maintains cordial ties with neighbours.

Employment history

A real estate agent can seek employment details and visit his office to verify facts.

He can speak to his employer and colleagues to know the kind of job he has – full-

time, consultant or contractual. His salary figure gives an idea of his capacity to pay

the monthly rent. Stability and tenure of the job are important considerations.

Transferable clients

Many landlords prefer tenants with transferable jobs as the property gets vacated

after a couple of years. A property agent has a long list of clients with transferable

jobs. Even if they do not get high rent, they are happy because they do not have to

go for litigation to get the property vacated.

Support system

Many aged landlords living on their own need tenants who become their support

system. They want to have a family that takes care of them, do many errands for

them. Their definition of a right tenant includes a person or a family they can

approach during emergencies. Some landlords want to have tenants who take full

care of the property since they live far or abroad. A good, educated, cultured family

is what they need.

Restrictions

Many landlords prefer a family instead of letting it out to bachelors who cause a lot of

trouble. The marital status of a tenant becomes the key consideration. A landlord

can specify what he needs to avoid and what he prefers. Once he defines his

expectations, a property agent can filter out the options and conduct a focused

search.

Real estate agents possess information and technology that landlords do not have.

They lower the risk, negotiate well and ensure quick completion of the transaction.

Immobilienmakler Heidelberg

Makler Heidelberg

Finding the right apartment or home to rent can be difficult and stressful. You can be competing with many others for a quality unit in a prime location.

The secret, real estate brokers say, is to plan ahead. Often renters will wait until the last minute to look for another apartment. However, when renters are in a hurry they tend to take apartments they don’t really want.

Here are a few tips for finding the best rental homes and apartments in your area.

1. Start your search 60 days before your move

The best rentals, in terms of price, location and amenities, go earlier in the month, so don’t wait until midmonth to look for a new place to live, Macon says. It’s best to start searching 60 days before you need to move, especially if you are looking for a rental property where there isn’t as much available.

The second and third weekends of the month tend to be the busiest. If you start your search the first weekend of the month, there will be less competition and the best properties will still be available.

2. Search for rental listings online

About 90% of renters will start apartment hunting on the web. Looking online is a good way to start your search. You can get a sense of pricing and apartment amenities. However, if you’re moving to a new city, apartment rental sites won’t tell you enough about neighborhoods and the local amenities of each, such as public transportation or grocery stores.

3. Use a real estate broker

In most cases, real estate brokers are available to help renters find properties free of charge. The key is to find a broker who specializes in rental properties, not home sales.

If you’re looking in areas where there is generally tight competition for apartments, you’ll want to talk with a number of real estate agents before committing to one because different agents have different relationships with different buildings. Make sure you are talking with an agent who has access to the apartment buildings in neighborhoods where you want to rent.

4. Don’t be fooled by scams

Be aware of online scams, particularly ads on Craigslist that require you to provide your credit card to pay a deposit fee to be shown the apartment. No one should require a deposit to show you an apartment.

Also, be careful if you are renting an apartment directly from a private person because you will be giving a total stranger your Social Security number and your bank account information, and they will likely run a credit check on you. It’s safer to work with a licensed and bonded real estate broker.

5. Consider roommates

If you’re considering sharing an apartment, make sure you know who your roommates will be and consider asking the landlord for separate leases. If you have a joint lease and the rent is $2,000 a month, you are liable for the entire amount if your roommates don’t pay their share, Macon says. But if you have a separate lease, you’re liable only for your portion of the rent.

Don’t be afraid to ask for references if you don’t know your roommates. You can also use social media – LinkedIn, Twitter and Facebook – to find out more about them.

Immobilienmakler Heidelberg

Makler Heidelberg

The reality is money comes and goes; what is more important is how you handle your funds. Long time ago when I was learning how money works; the rule of 72 was an eye opener. The rule of 72 is a simple way to determine how long it takes your funds to double; it’s based on an annual interest divided by 72 which will equal the number of years it would take to see some real growth overtime. As an i.e. let’s say a 1K investment at an annual return of 1.0% which is more than what your bank is currently paying; it would take 72 years for your funds to double. (72/1=72 years). The money will grow to only 2K over a 72 year period.

Now, take that same 1K invested properly in the financial markets at a rate of 10% which has been the average historically, it would take 7.2 years for your funds to double. So, in that 72 year period you would have 10 doubling periods or $955,594 just a little under 1 million dollars; not bad for 1K. Have you ever wondered why local and national banks have plush atmospheres and marble floors to walk on? We must learn how to manage our finances; budgeting, spending, and saving; are all part of being wise responsible stewards.

Over the years, many of us have made mistakes with our money; whether through extended credit, bad financial management, being buried in debt; or by being ripped off by different financial advisors‘ or scam artist. To make sense of our finances, it takes discipline to do the right thing and refrain from frivolous meaningless bad habits. Over the last several weeks with this Corona virus pandemic, I have seen people spending their hard earn cash foolishly; buying more than what he or she would usually need on any given day. The world is not coming to an end. Spread your funds across the table and get what you need to make ends meet. It should not take a crisis to get our attention with our finances, this should be a year around process on how to manage money properly.

It is during times like these that grabs our attention to slow down and to think things through before we act on impulse. Also, this is another way God gets our attention; for those of us who believe He is the true and living God. He is in control of this whole situation and has the whole world in His hands. The goal of every person when he or she comes into the knowledge of how to manage their finances, should include but be not limited to: the purchase of life and health insurance products, have legitimate sources of income streams through the diversification of multiple assets, owning real estate, have a basic understanding of how to buy low and sell high or at least break even; or make a profit with whatever business venture you may engage in. Last but not least, be advised by trusted reputable professional financial advisors‘ to help manage large financial portfolios‘.

The truth behind money is knowing how to manage it properly and living within our means and being at peace in mind, soul and spirit. We have to learn from our mistakes and errors and be a blessing to others who may lack both finances and the knowledge on how to have more than enough. Share your education with others to help them change their mindset from a poverty thinking mentality to help increase their wealth accordingly. It is time to let your money start working for you; instead of working for the money!

Immobilienmakler Heidelberg

Makler Heidelberg

When, a homeowner, decides, it is time, for him, to sell his existing home, it may be, for any number, of possible reasons! Some are obvious, such as financial challenges, job relocation, changing personal needs, priorities, etc, while, other motivations, may be, more – personal, etc! Regardless, however, in my, over 15 years, as a Real Estate Licensed Salesperson, in the State of New York, I have learned, and strongly, believe, a primary, initial decision, which, often, has significant impacts, is the initial, listing price, when the house, originally, is, put – on – the – market, to sell. Basically, there are 5 basic strategies, for pricing, your home, for – sale. With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, what these are, and, why, it matters.

1. High – end of range: Especially, in these times, where, we see, a combination of limited, available inventory, near – record – low mortgage interest rates, and a sellers – market, many homeowners, seem, to prefer, pricing their houses, at the higher end, of the range! In, some cases, this strategy, achieves its objectives, but, often, risks, houses, which don’t end – up, selling, Using this strategy, should, only, be considered, when the seller, is willing to take some risks (hoping for greater rewards), and isn’t under, time – pressure!

2. Middle, of the range: In most cases, the smartest approach, is, to price a house, in the middle of the range, suggested, by preparing, a professionally, designed/ created, Competitive Market Analysis (usually, referred to, as a, CMA). This, usually, creates, a strong – demand, by, qualified, potential buyers!

3. Lower third of range: There may be, several reasons, for this approach, to listing price! Usually, it creates, a significant demand, from qualified buyers, and, helping, to sell the house, for the best – price, in the shortest – period, with a minimum of hassle!

4. Pricing above the high point: During certain, real estate markets, such as the one, we have witnessed, for several months, currently, we often, witness, listing prices, set, above the higher – end, of the indicated range! When, prices, are rising, quickly, this may help getting more money, for one’s house, but, since most buyers, use a mortgage loan, to help finance/ pay – for, the home, doing this, risks, home appraisals, which don’t, perhaps, justify, the size of the desired loan!

5. Below lowest point: Setting an initial, listing price, below, market – levels, may be indicated, under certain circumstances/ conditions. This approach may be effective, when a seller wishes for a speedier sale, and, believes, creating, a so – called, bidding – war, may, make sense! It may also be a good approach, for marketing houses, with some, unusual circumstances, needs, goals, and priorities!

Whichever strategy/ approach, used, it is important to realize, there is a significant different, between, listing, and selling, prices! Will you be an educated, informed, smarter home – seller?

Immobilienmakler Heidelberg

Makler Heidelberg

Creative Financing

When a Commercial Real Estate Investor is looking to purchase income producing property utilizing any number of creative financing methods, one of the most important keys to their success is that their ability to provide adequate, verifiable proof of funds – P.O.F.- to both the seller and the lender. The verification of funds can enhance the investors credibility with the seller as well as satisfy the lenders requirement to know that the borrower has necessary funds to complete their transaction.

Proof of Funds

There are a few ways acceptable to lenders and sellers to show P.O.F. to close your Commercial Real Estate transaction:

• Bank Statements or Bank Verification
• Brokerage Account Statements or Verification
• Escrow Account Verification

„Bank Verification“ This is the most acceptable and widely used method to confirm the investors can complete the proposed deal. As such money must be put into a bank account and confirmed by statements or letter from the banker.  This is a „hard“ (versus soft) method of verification, because money are deposited in an account in the buyers name to serve as proof the buyer can complete the transaction.

„Brokerage Account Verification“ Similar to bank accounts, brokerage accounts show acceptable means to complete a purchase transaction. Likewise, statements or letter from the brokerage house representative will meet the requirement to prove adequate financial strength. This is also a „hard“  method.

„Escrow Account Verification“ This is the one method that can be hard or soft evidence of necessary assets as the escrow agent simply needs to write a letter of confirmation attesting that the borrower has finances available to complete the transaction. It becomes hard when money is transferred  into an escrow waiting for the closing.

Companies

Finally, there are companies whose sole purpose is to provide evidence of the financial ability of Commercial Real Estate Investors to complete their transactions. Many of them provide „Proof of Funds“ and Transactional Financing. P.O.F. is necessary at the beginning of the deal and Transactional Financing is for the day of closing only. Both of these methods are a necessary part of an investors arsenal when utilizing creative financing.

Immobilienmakler Heidelberg

Makler Heidelberg