Time is running out fast for real estate bargain hunters

CAVEAT! If you really want to buy a home in 2010, you may not have much time left! With the 2007-2009 recession now a thing of the past, buyers are returning to the real estate market in droves. What most shoppers don’t realize, however, is that there are many forces working against them that could make it difficult to find real bargains in the spring and summer. Here are five major forces shaping the market earlier this year, and you better pay attention to them:

1. Under the provisions of the massive stimulus package designed to support the housing market, the Federal Reserve has been buying mortgage securities for over a year to maintain liquidity in the housing market, which also artificially supported rates in a level less than 5%. . However, this part of the ER stimulus is ending in March, and it is already raising rates in anticipation of the grand finale of the program. What does it mean for the mortgage market? It means come March or April, you will no longer find rates in the low or middle 5%. The consensus of most economists and financial journalists is that we will have 6% mortgages by summer. What does it mean to you? Get your loan approved and rate locked in by mid-February!

2. As “normal market” demand for mortgage-backed securities remains very low, lenders will further tighten their underwriting guidelines. The preview of this was shown in December 2009, when following FNMA and Freddy, all lenders increased credit score requirements for prime mortgages from 20 to 40 points, FHA followed by increasing the minimum score from 595 to 620. , and some lenders made 640 as a minimum score for FHA or any other government-backed loan. Come summer, the credit system will most likely tighten further as banks will have a much smaller market to sell their loans, forcing them to pick only the best borrowers to bet on. If you’re not one of them, you may need to have at least a 25-30% down payment, ratios below 30%, and a score of 750 to have any chance of getting a home loan.

3. Unbeknownst to shoppers, the government has passed a series of new laws in the last two years, of course, all done under the highly publicized slogans of helping Joe the Consumer. In reality, these new laws virtually eliminated a mortgage broker as a viable player in the market. The government blamed the brokers for pushing “creative” mortgage products to uneducated consumers who couldn’t afford them, however the reality is that the brokers were only selling products pushed to the public by the BANKS. The truth is that brokers do not offer their own products, brokers do not participate in bank board meetings that decide what financial products to offer to the public, brokers only sell what banks offer if the public demands it. In 2006 brokers were responsible for 60% of all loans originated in this country, for the first quarter of 2010 – less than 5%! Why should you worry about that? Quite simply: while enjoying virtually unlimited access to billions and trillions of taxpayer dollars, the banks managed to eliminate the only serious market force that has kept their mortgage rates competitive for the past decade. With the brokers gone, all loan origination now goes to the retail banks with their “friendly and knowledgeable” staff who don’t care if you buy your mortgage today at 7% or not, because they are on salary paid for your deposits. of savings and unfair banking fees, and because your only alternative is to go to a retail branch of another bank, where you will face just as much competition and desire to lower rates as at the first branch. Consider this: the banks have managed to quietly monopolize a market worth $10-15 TRILLION DOLLARS, and their profits (spreads between your mortgage rate and the current 0% Federal Reserve rate) per loan are the highest ever have had in history. ! Now, did you get a thank you postcard from the CEO of your bank last year for helping the banks with some free money?

4. The homebuyer tax credit program also ends in April. You must be in escrow by April 30th and close escrow no later than June, which means that in March/April we will see throngs of late-arriving last-minute buyers trying to take advantage of the program and inventory of Homes, especially in the 200-400K price range will be under severe pressure from buyers, as we saw in October and November 2009, before word broke that the tax credit program would be extended. This time is different: there will be no more extensions. This was the final extension, and those who missed out on this program because there was no inventory on the market will try to buy something this time.

5. Traditionally, March is the first month of the official shopping season in San Diego. In my 10-year spreadsheet, March sales represent an average 30-50% increase in the number of sales closed over February of the same year. Trust me this year will be no different. However, those who get up late and start buying a home in March will face much tougher competition and will be forced to bid on properties beyond what they will reasonably price, forcing buyers to raise their down payment or they will be discouraged. and end up on the sidelines again.

The housing market has been hit hard enough to the point where even the bitter pessimists started talking about a turnaround. Some still talk of a massive “shadow inventory” of houses that banks are supposedly holding onto to prevent the market crash and that when it finally comes the market will crash, yet this talk has been going on since late 2008 and nobody knows. when and if this inventory will ever enter the market. Today banks can dump four to five times as much inventory on the market, where houses attract 10 to 30 offers in the first week, and buyers just swallow them and move on.

So what should you do now to take advantage of the situation for the remainder of true bargain-hunting season?

1. Get your loan prequalified now, don’t wait for your tax refund to hit your bank account. If you need to borrow money from relatives for a down payment, go ahead, you can pay it back with the tax credit money, your tax refund, or do their laundry for the next 30 years, but get your loan fully approved at the the highest amount possible and have it available when you are bidding. No one seriously looks at your offers today unless you can attach a solid loan approval along with proof of funds for a down payment.

2. Make sure you have a clear idea of ​​what you’re looking for and make sure it’s realistic. Don’t ask your agent to ship everything from Bonsal to San Ysidro in the 100K to 800K range and expect to work with that agent. Sit down with your agent, describe the areas, types of properties you will be targeting, maximum monthly payments including HOA, Mello Roos, property taxes, home insurance, utility bills, and anything else that will become in your monthly liability. Knowing what you want helps you get there four times faster!

3. Use technology to your advantage. There are many real estate websites that allow you to set up an automated search page and receive listings that match your criteria the moment the listings hit the market, or on any other regularity of your choosing. Such automated tools allow you to gain an “unfair advantage” over most other non-technical buyers and real estate agents: If you are the first to see listings, you have the advantage of making your offers before everyone else.

4. Make offers, more offers and some more offers! In the sub-$300,000 price range in most areas of San Diego, it now takes 20-30 offers before one is accepted, so be patient, but also smart about it. Make offers on realistic listings, where you have the best chance of getting your offer accepted. If you have an FHA loan, don’t look for “investment exchange” listings, the FHA will not allow it for 90 days after the original purchase date. Do not bid on short sale listings, where the listing agent submits ALL offers to the lender and waits six months for the lender to accept an offer, making the process a long auction. Do not submit to some REO listings if the REO listing broker insists on seeing my buyers first born child, DNA testing, and pre-approval from the listing broker’s chosen lender BEFORE they even see your offer. (By the way, any time the REO asks for pre-approval from your lender, understand that it is done solely to facilitate a sales pitch by that lender, so complain to the California Department of Real Estate, tell them that in your opinion, it goes against the spirit of California’s AB957 “Buyer’s Choice Act” of 2009, especially if you already have your pre-approved from another lender! accepted? Sounds ridiculous, doesn’t it?)

5. Be creative! If you can’t get what you want directly, look for other ways to achieve the same results. Consider buying a home to fix up and use a rehab loan to make the repairs, consider downsizing your home and adding square footage to your desired home size, consider new construction, lease options, seller return, or other creative ways to get in the house. Get familiar with these creative strategies, they could be your ticket to homeownership today.

This is not the time to procrastinate and wait for your April tax refund before you start shopping for a home. Act now and take advantage of the last few months of the BEST time to buy a home in decades!

For Sale By Owner: Getting Delisted From The MLS Is Risky Business

Since 2013, there has been an increase in sellers pre-selling properties and listing them on the Multiple Listing Services (MLS). Core Logic reported that in 2013, 53% of real estate transactions conducted in the US were not listed on the MLS. Most sellers do not have a real estate license and are not allowed to use the MLS, the standard listing portal for a licensed real estate agent. While buyer’s agents are willing to work with For Sale by Owner (FSBO) listings, they are not allowed to give any advice to the seller or access marketing.

Sellers who want to list a FSBO may be losing tens of thousands of dollars in actual market value on a property, especially if they list properties without an up-to-date appraisal or current market research. Often a seller will list a FSBO based on the sales price of a neighbor’s home, which may or may not be the best option for a comparable property. A local real estate agent continually lists properties in their regional sales area and is best suited to offer a market comparison in the neighborhoods they cover. Remember, tax assessments, while readily available, are not the best tool for gauging the true market value of a property at any given time.

One nuance about FSBO sales that should give sellers pause is the fact that an experienced buyer’s agent may have the upper hand in a FSBO real estate transaction. Why? The seller may not be familiar with state laws and fiduciary codes and/or the ramifications of contractual issues that arise during negotiations. Even with an attorney creating a real estate contract on a property, the final outcome of a For Sale By Owner (FSBO) real estate sale can be delayed due to a variety of issues. Experienced REALTORS know how to circumvent these obstacles quickly and keep a property transaction on track.

FSBO does not equal the advertising potential of a REALTOR

Working with a professional REALTOR is worth the commission under these circumstances. An FSBO has limited opportunity for marketing, and becomes more dependent on real estate portal websites like Zillow.com. With an experienced agent, the advertising penetration of a property is much higher. For example, I list my properties for sale in Williamsburg, Virginia on four MLS websites. This gives my sellers a wide area of ​​coverage so other agents can see the listing and buyers on the MLS can see it too. My MLS listings are also republished on Realtor.com, which is owned by the National Association of Realtors and is also a trusted website in the industry.

My broker, Coldwell Banker Traditions, also has a listing mechanism on their local website, where my clients’ properties receive excellent visibility. Not all REALTORS list properties as extensively on the Web, so check with individual realtors and ask them for specific information about the advertising provided for client listings through MLS and other places on the Web.

There are other disadvantages to listing properties without an agent. If the owner misses a visit to a potential buyer, he may lose the opportunity to sell a property outright. For sales of real estate in my territory, Southeast Virginia, an owner cannot use legal forms created by the Virginia Association of Realtors (VAR), unless he is licensed. Real estate forms are formally VAR registered and sanctioned for exclusive use by members. This puts the seller at another distinct disadvantage in the transaction. Having to create legal forms all over again is not only time consuming, but can also add to the costs of a lawyer.

In addition to some of the more obvious advantages of listing with a licensed real estate agent, there is also a common misconception that using a real estate attorney will save money instead of paying agent commissions. The seller still has to pay the buyer’s agent’s fee (which varies by state and the type of real estate transaction). All FSBO sales contracts must be created and finalized with an attorney. The sales process involves the buyer reading the contract and making changes. The attorney reviews the contract properly and presents it at closing. Lawyers in Virginia charge much more to create an original contract (in my experience) than the commission on the seller’s side, in most cases. Sellers wishing to go it alone should seriously consider that attorney’s fees may be more expensive and largely unpredictable, depending on the number of legal forms required, length of negotiations, and additional contract requirements.

Sellers need to forego the FSBO and be smart in a real estate market that is definitely on the move in many regions of the US. Prices tend to rise in the 2014 market and inventories are low in many markets. Therefore, sellers need expert advice on pricing real estate at current market value now, more than ever. In addition to the potential loss of proceeds from the sale of the home, the seller can easily be faced with legal and contractual issues that may not be resolved quickly. Worse yet, these issues may be resolved too late to meet the time limits of certain loans such as FHA and USDA. If the seller does not know what he is doing and the terms are not taken into account, this can cause the buyer to lose the loan. In turn, the property loses a good buyer and valuable time on the market.

Be prudent and do not engage in risky business: listing a property outside of the MLS or without an authorized agent. It is best to have representation from a licensed agent for a variety of reasons. The main reasons are: the seller will have expert advice, will most likely sell the property sooner, and the property will be priced at fair market. Say no to FSBO. Instead, find a capable real estate professional in your region for peace of mind.

Garbage Disposal: The Dangers of Garbage

Putting it in perspective, sometimes it makes sense to clean out your own attic, basement, or garage. If it’s just a few light boxes to move, go for it. However, there are other times when you will want to call in a junk removal specialist. Here are some considerations and why you should hire a junk removal company for office cleaning, storage unit cleaning, etc.

Garbage Collection Location:

Furniture, appliances, boxes, etc. that must be carried up or down the stairs makes garbage cleanup dangerous. In addition to physical exertion, stairs are a tripping hazard. If the stairs are narrow, steep, or spiral, garbage disposal is even more dangerous. Similarly, the same is true for hills. A steep driveway or ramp can be dangerous when clearing heavy loads of scrap.

Health challenges:

If you’re no longer a spring chicken, or if you have a physical injury or disability, junk removal is dangerous. Lifting, stretching, and bending are all part of the job. It is a laborious physical exercise. If the amount of mess is significant, it’s best to hire someone to do it every day. Save yourself the risk of injury or overextension.

Garbage type:

Discarding bulky furniture can be especially dangerous. It’s easy to break a finger in a filing cabinet drawer if the item isn’t properly secured. Similarly, if you throw away glass, wire, sheet metal, etc., it’s easy to cut yourself, tear your clothing, or even lose an eye. Bulky and awkward materials can also scar walls, scratch floors, or cause shipping damage during removal.

Garbage Weight:

During office cleaning, metal desks, sideboards, photocopiers, etc. may present hazards. Not only are heavy lifting hazards that can cause injury during movement, but they can also move in transit. As heavy as they are to lift, they can often slip off easily. Once on a truck or trailer, they must be securely anchored to prevent them from becoming road hazards.

If you move boxes from one place to another, they tend to be stacked neatly for easy transit. Heavy boxes usually go at the bottom. Fragile and lighter boxes are usually placed on top. But moving trash is different. Things just don’t stack up that well. When you stack odd shapes and unbalanced weight, things can turn sour quickly and without warning. It is best to entrust large junk removal projects to a licensed, insured, and experienced professional.

Just as office cleaning presents unique challenges, so do foreclosure cleanups, eviction cleanups, etc. In the office cleaning environment, this is typically the heavy furniture mentioned above. With home cleaning, it’s all about tables, dressers, dressers, entertainment centers, and beds. Think about this in regards to cleaning clothes, box springs, and mattresses: bed bugs, mold, bacteria, and pet deposits. Yes, removing and disposing of junk does involve some nasty stuff. Call in the junk removal professionals for your own health and peace of mind.

Loan Modification Net Branch

If you are looking for a net loan modification branch, here are some recommendations based on experience.

In my business, I deal with people in this industry every day, and have seen people fail in business in just a few months, while others continue to generate $100k+/mo income streams, though obviously personal results vary. While I do mention possible income in this article, you obviously need to do your own due diligence, and just because the numbers are mentioned here doesn’t mean you’ll make it, and the SEC would surely frown if you didn’t say you could risk a total loss. . investment and/or your time.

All of that said, foreclosures are big business right now and consumers need help. Beyond that, principal reductions have become more common, allowing for easier justification for healthy fees.

First, a big mistake when starting out is going it alone, so when looking for a loan modification net branch you are already ahead of the curve. A good established company will provide much more than just training. The right loan modification network branch should provide contracts, legal compliance, best practices, a website, service recommendations, sales training, objection handling training, product videos to reduce your time and increase sales, email marketing systems and generally experts. to answer any other questions beyond that.

One of the most common questions we receive regarding a new loan modification net branch is how to market it. In general, the people we have seen succeed in this industry have used direct mail combined with an affiliate network of sales and referral sources. Direct mail is great because title companies and certain foreclosure websites can provide specific listings of high loan-to-value foreclosure homes, so your marketing is carefully targeted. It’s up to you to test whether to use postcards or window mailers, but there’s no clear winner there. A good mailing company will have a good starting point for this.

Also, when you get the data for your sender, we recommend that you use a data management system to assign each sender a unique code, then when the lead calls, your team can enter that code to get their “file.” While this data still needs to be verified, it can help you and your phone reps appear to know all the facts, which puts the customer at ease and can therefore increase closing rates.

A good website for your net loan modification branch will do more than just be a brochure – it will create leads. Also, this is an absolutely essential component of working with referral partners, as having videos online to explain the process and its benefit makes it very easy for real estate agents, financial planners, etc. to email your videos to your customers. For those who want it, the website can be optimized for a search engine around a certain market or area, or you can run online advertising to drive people through optimized “lead capture landing pages.” to produce exclusive and free leads in real time.

Another common mistake during the sales process is not preparing the client that the banks will try to discredit you. Banks will, so say so up front and then when it happens, you’ll clearly be the expert (since you knew it was going to happen), instead of losing face because lenders want to take you out of the equation as a customer. Singles will not negotiate as hard or know what a good settlement offer is.

A net loan modification branch is definitely an easier way to get started than building a loss mitigation company on your own. Initially, focus on sales and keep expenses low, and as your team and portfolio grow, you can choose to go out on your own or renegotiate your wholesale costs to increase your margin.

Stuck in a rut – enjoy these home improvement ideas

Well, you have decided to improve your house. Good for you! However, there is so much information that you may have no idea where to start. Don’t worry, home improvement tips are here! Listed below are some tips to help you get started and get organized so you can become a home improvement expert.

New wallpaper can transform a room. Before adding wallpaper, you need to find out what kind of wall is under the existing wallpaper. Typically, the walls are drywall or plaster smoothed over lath. You can find out what type of wall you are dealing with by feeling the wall, plaster is harder, smoother and cooler than drywall. You can also try touching the wall, drywall sounds hollow while plaster doesn’t.

If you’re looking for home improvements, don’t forget the exterior areas of your home as well. If you love fish, you may want to consider installing a Koi pond. They look beautiful and can be customized to match the look of your backyard or made the focal point.

If you have a small bathroom and don’t have enough space to store your items, you can easily create a space yourself. Buy some wooden shelves and install them on the wall of your bathroom. Display your lotions, perfumes, and other beauty items on the shelves, as well as your smaller towels or toilet paper rolls. This will not only add a decorative touch to your bathroom, but also organize it.

Before starting a home improvement project, make a list of the actions you think should be taken from start to finish. Get a second opinion from a trusted source to see if there are any steps you missed or missed. Plan to reserve plenty of time for your project, as it could take longer than expected.

The shingles on your roof will eventually need to be replaced. As asphalt shingles age, they begin to lose their attached granules and curl up at the corners of the sheets. If you are experiencing leaks that have gone through your roof, it is definitely time to put on a new roof. Otherwise, if your roof has lost several shingles, this is a less drastic but firm indication that it’s time to replace the roof.

When you’re preparing to deep clean your deck, make sure you have all the materials ready beforehand. Some of the things you’ll need to gather are a pressure washer, a nice sturdy scrub brush, a commercial deck cleaner, a hose, and a sturdy broom that you can use outdoors.

Before beginning home improvements, apply for the proper building permits. Any home improvement involving plumbing, electrical, or structural changes may require a permit. Check local laws. If you continue without a permit, you could be fined or could make the house more difficult to sell in the future.

When it comes to home improvements, be sure not to make your home stand out uncomfortably from the rest of the neighborhood. This will ensure that you will be able to resell it and also that you will not receive the scorn of your neighbors. Get creative, but try to lean conservative with colors. With additions, keep the overall size of your home a bit close to that of your neighbors.

If you live in an older home with a hardwood floor that can’t be sanded or stained, add a few coats of oil-based paint over the planks. Choose a paint designed for outdoor use on decks or porches; this ensures that it will be able to withstand occasional wet spills and light traffic. You can also hold it off until you have the resources to completely replace the flooring.

If you want your home to shine, look for curb appeal. First impressions are important with people, and they are just as important for your home. Consider repainting if your color is fading or dated, and choose colors and other details that fit your home’s era.

You should feel better after reading those tips when it comes to home improvement. That was a lot to think about and read, but you should at least have an idea of ​​what to do and where to start to make your home safer and smarter. Also, you can always come back to this list.

Steam Cleaners – Bathroom to Garage Use Reviews

Steam cleaners are a wonderful invention that is gaining popularity today. The reasons are many. Steam cleaners are easy to operate, powerful, and can be made even more powerful by adjusting the pressure and temperature of the steam. Plus, they appeal to people who care about their environment (and who don’t) and are concerned about the multitude of harmful chemicals that cause indoor pollution in our homes. You won’t get any pollution from the steam cleaner, it only uses water vapor to work.

Due to the cleaner’s powerful steam jet, its cleaning properties and characteristics are very different from those of a normal vacuum cleaner, and even from detergent-based vacuums and carpet cleaners. Plus, you can experiment with different nozzle sizes for detailed cleaning and more concentrated steam jet power.

We will take a look at the many places and objects that you can sanitize with steam steam cleaners. Reviews will be brief due to the many possibilities. The places where people use steam cleaners include: bathrooms, kitchens, living rooms, bedrooms, garages. As you can see, a steam cleaner can be quite versatile. Let’s take a closer look at how people use steam cleaners:

Bathrooms: Steam steam cleaners work great for removing scum from shower tiles and getting into even the hardest-to-reach crevices, like between shower doors and shower walls, or between tiles. They will also quickly remove deposits from shower heads. You won’t believe how many places they will remove dirt from toilets and sinks. Places you could never reach with a cloth or a vacuum cleaner. It is best to use a small handheld steam cleaner to reach remote spaces.

Kitchens: Kitchen flooring, whether vinyl or ceramic, can always use a good scrubbing and steaming. But the steamer, with its narrow jet nozzle, will also be able to reach the cracks between the kitchen furniture, between the electrical appliances. The sink area, especially the crevices between the faucet and the sink itself, will benefit from a well-directed stream of steam. Appliances such as stoves, microwaves, and refrigerators can also be cleaned with a steamer.

Living rooms, carpet cleaning: Carpets, vinyl flooring or hardwood floors can be steamed with a steam carpet cleaner very effectively. In addition, windows and doors can be cleaned both from the inside and from the outside. Also, hard-to-reach window and door tracks and general window frames will clean easily with a steam cleaner. Chair upholstery and cloaks will also be refreshed with carpet steam cleaners.

Bedrooms, Upholstery Cleaning: Bed bugs, bacteria will find their demise when you apply a steam cleaner to beds, pillows and covers. The carpet, doors and windows and window frames will be easily cleaned.

Garages, Cleaning Tools: Now comes the fun part. Any vehicle, starting with a car, can benefit from a well-directed jet of steam. It can remove dust, dirt and grease from the car engine. You can clean any boat engine from the slag that sticks to the parts that spent the most time under water. And you can clean the wheels of motorcycles and cars with a steamer. In general, any item that collects dust that is difficult to remove using the cloth alone is a prime candidate for deep cleaning with a heavy-duty steam cleaner or portable steam cleaner.

What are the so-called ghost real estate investment offers?

As more and more investors return to the market, they will bid for properties against more experienced investors. This bidding, especially on new REO (bank owned properties) can get fierce. Once an investor understands Ghost Offers strategies, he will be able to use them to his advantage just like the professionals.

The term phantom deals likely originated from a disgruntled real estate agent who became annoyed with local investors who would bid on property, get a contract, and then fail to close when the time came. Often these investors would cancel the contract under its inspection period clause.

For the investor, this was a good strategy because he did not take any market risk to resell the property nor did he have to raise the money to close. So he was never exposed to any market risk. This is a powerful investment strategy, but for real estate agents, it’s kryptonite for Superman. Somewhere in the heat of the day-to-day battle, a real estate broker probably said that investors are like ghosts when it comes to closing on properties: sometimes you can see them, sometimes you can’t.

In our area, a group of wholesalers use what I call phantom bidding to their full advantage. It should always be remembered that purchasing a property is the last thing a wholesaler wants to do. I would much rather put the property under contract and sell it to an ultimate buyer who will actually put up money at closing to buy it. The investor then makes the “spread” or profit on the deal.

This can be done in a number of ways, the two most popular ways being by assigning the contract from the wholesaler to the ultimate purchaser and secondly by transferring the beneficial interest from a land trust to the actual purchaser of the property. There are actually 17 ways to do real estate transactions with little or no investor money needed.

Local wholesalers have taken phantom bidding to a new level similar to what happens in courthouse auctions. When an REO property is first offered for sale, the group launches 6-8 different offers that essentially surround the sale price of the property. From rejected offers, the group can learn at what price the property is likely to come under contract.

Since they have no intention of buying the property, their offers may be totally foolish. An absolutely dumb offer is usually higher than the initial listing price. The listing agent is fooled into thinking there is a lot of interest in the property. If one of the group gets the property under contract, the whole group markets it on their email list and sometimes sells it.

However, if the investor who got the contract is not in your pool, this “outsider” got it by bidding against phantom bids and ends up overpaying for the property. This technique has been used by major players in the foreclosure auction field since public auctions began hundreds of years ago.

In short, if you hear the term phantom offer, consider the source because this is bad news for realtors and worse news for inexperienced investors who are trying to land newly listed REOs. The people who fall victim to this tactic the most are rehabbers who tend to overpay for properties because they believe they can create equity in the property by fixing it up. This is true up to a point of diminishing returns where the maximum price they can get is hampered by conventional lenders and appraisals done by joint appraisers.

Is classified advertising dead?

For more than a century, the classified advertising business was dominated by newspapers. In the offline world of days now gone and forgotten, it was tremendously lucrative, accounting for a significant part of the revenue from the publishing business. There were even numerous independent classified ad publications, either free or paid, that attracted both readers and advertising revenue.

Everything changed in 1995, on the eve of the digital revolution. It was that year that Craigslist was launched. It is estimated that today, this online classifieds giant costs tens of millions to operate, while also generating hundreds of millions in revenue.

While the online post has sucked dollars out of the pockets of offline classified posts, it was good news for an average classified user. Since the cost of posting on the Internet is very low, online classifieds websites can allow users to post and respond to ads free of charge.

The real problem with free classifieds today, for both classifieds website owners and their users, is not the cost of operating, but the question of “being found” among the myriad of free ads in the jungle. What is the Internet today? And it’s a big problem!

The solution to this growing problem of “being found on the Internet” seems to elude even the most seasoned Internet marketers and offline advertising experts. That led some to proclaim the death of the classifieds business model. However, they were probably too quick to dismiss them.

Online ads certainly have some serious advantages over offline ones. They are not charged per line, they can be longer. Once posted, they usually go live almost instantly. Unlike their print counterparts, they are searchable.

What can we expect from classified ads in the future? Well, they are yet to respond to social media, something that is changing the Internet right before our eyes. Giving ads a “social layer” could infuse new blood into the old industry. One major advantage that online advertising has over traditional, but has yet to be fully exploited, is real-time performance monitoring.

In recent times, an increasing number of new classified ads have emerged, some offering hyper-local listings, while others cover the entire world. Niche classifieds offer everything under the sun, specializing in anything from business or personal opportunities, to boats or pets.

Despite the growing pains, it seems the world of online classifieds is driving! Classified advertising has a long history, and it’s definitely not…history yet.

15 habits of extremely happy people

Happiness is the goal of every person in life. Although most people have no idea what to do to be happy and what happiness really consists of. We all strive to stay relevant to our goal.

1. They are not self-absorbed

This is a person who usually doesn’t make everything about herself. They are open-minded and allow her thoughts to go beyond their heads. They accept the suggestions and criticisms of other people. They don’t take other people’s opinions of them personally. They build their character on well-considered choices and opinions. They positively accept correction from people, and also appreciate other people’s way of life.

2. They are grateful and happy.

Being happy and showing appreciation is a character trait that most people don’t have. They take many things for granted without knowing that they are depriving themselves of the little joys of the world. Being able to appreciate someone else for how they have dressed, their hairstyle, their new pair of shoes, being able to see the other person laugh and smile and have contributed to a good day is an even greater way to be happy.

3. Make time alone and meditate

This is a vital part of being happy and getting to know yourself better. Having time alone helps control their character, know what makes them happy, sad, set goals in life, etc. By meditating, one learns what to focus on with life, what makes your life better, and how to improve yourself. Making sure to have some alone time also keeps someone in a peaceful frame of mind and helps them face their fears.

4. Do things that make you genuinely happy.

Being happy is a full-time job, so each of us needs to find what really makes us happy and avoid hypocrisy. Doing what really makes you happy will help someone not harbor hate and toxic feelings caused by forced happiness and pretend to be happy for the sake of others. Most people have an illusion of happiness and don’t try to find genuine happiness or what activities make them truly happy. So they end up feeling dissatisfied and sad. Therefore, finding genuine activities that make you happy is a big step towards being extremely happy.

5. Have a positive attitude towards life

Life brings with it many challenges and the sad part is that life’s challenges are unavoidable. People have to find better ways to deal with it. People with a positive mindset have it easier when they face difficulties. They see problems as challenges that they must face to pass a certain stage and that allow them to better relate to things. Those who are afraid of challenges will always feel doomed and sad because they never know how to overcome them.

6. Be at peace with yourself, friends, associates and family

You should try as much as possible to be at peace with people close to you. These include friends, family, co-workers, and even your significant other. These people play an important role, what they do can directly affect.

7. Enjoying every moment

Most people take the moments they spend with other people for granted; be it playing games, having a coffee or relaxing around the house and even spending time with your family. They fail to maximize the fun they would have had during these times. This is also a way of harboring regrets and dissatisfied moments that people have. Therefore have bad days and difficult times.

8. Respect yourself and don’t settle for mediocre

People who know what they want in life don’t settle. They know their purpose, set goals, and work to achieve them. Despite the challenges they may face on their path to success, these people don’t give up. They are grounded and don’t settle for mediocre results that don’t satisfy them. They know their self-esteem and work to achieve what they propose.

9. Stay healthy

Health is a major contributor to happiness. This involves having good eating habits. Make sure you have a balanced diet, drink plenty of water, and make sure your meals are hygienically prepared. This will help you avoid disease and stay healthy. Exercises also help people to keep fit and avoid diseases caused by unhealthy eating, they also help someone to relax and feel relaxed. Make sure you are clean by bathing, putting on makeup, perfume. This helps boost someone’s confidence and makes them feel good about themselves.

10. Reward and feel good about yourself

Everyone loves gifts and being appreciated. Most people forget that you can buy yourself gifts, appreciate yourself, and feel good about it. We all have our embarrassing struggles or bad habits that we are not proud of. When you kick a bad habit and no one notices, treat yourself to a new belt. People may not know how important the situation was or how much you struggled with it. Rewarding, and taking credit for it, is not a bad thing. This will help you see yourself as an achiever and will also boost your self-confidence.

11. Surround yourself with people and things that bring positivity to your life

The people and things someone surrounds themselves with say a lot about them. They contribute greatly to someone’s character and thinking. If you surround yourself with people who always care about the positive side of life and encourage each other to be better versions of themselves, then there’s a good chance that’s the kind of person you’ll be. This character building technique is important in our lives. You should be careful who you associate with because they influence you in a wonderful way.

12. Treat people with kindness, respect and be happy for them

One can create happiness by seeing other people happy. This is also a way of trying to live a fulfilling life. Help people when you can, reach out to them when they need your help. Visit patients in hospitals, help in orphanages, give food to the homeless. You feel fulfilled when you are able to make someone smile and be happy. Treat your friend who made a presentation. Here are some of the ways that being kind and helpful to others can bring you happiness through these simple gestures.

13. Do not compare yourself with other people

Comparing yourself, your achievements and personal successes with those of other people is not a healthy way to be happy. Most people forget that we are all totally different from everyone else and that we all have different struggles in life. Comparing yourself with other people is an injustice to yourself and you end up degrading yourself and you end up leading a sad and meaningless life. You should try to improve yourself with what you have. You should not consider another person’s success to make them better than you for any reason. Focus on improving yourself on what makes you happy and fulfilled. Make your own way to achieve your goals and dreams.

14. Have goals that improve your life

Most people settle for what is offered to them even when deep down they know it is not what they want or deserve. This ends up making them feel like less of a person or not fully recognized by people. Be sure to set goals that will help you become a better person. Be it mentally, financially or physically. Strive to bring out the best in yourself and when faced with challenges do not despair. Make the best of your worst experiences.

15. Allow yourself to be human

We focus so much on other people and make considerations for them instead of ourselves. We forget that we also hurt, feel, cry and make mistakes. Many people are so focused on their mistakes and setbacks that they forget that they also fall, fail, and make mistakes, which is okay. They must accept that mistakes are inevitable and that you can always make the best of them and learn something. Forgive yourself as often as possible, accept your faults, and apologize when necessary or when you know you are at fault. Don’t forget, you are just as human as everyone else and just like them you can also make mistakes and take the blame.


We all have the right to be happy and find satisfaction in whatever we decide to do with our lives. People need to realize that their happiness depends solely on their choices and perception about life and what it brings with it.

How to select a commercial real estate company

Selecting a commercial real estate company can be a challenging process. You want to hire someone who has knowledge, skills, experience, and who can match your goals and ideals. This is easier said than done. One company may offer you some of these features, while others have the remaining features you want. There is no shortage of commercial real estate companies that claim to possess unparalleled knowledge and skills. So how do you go about selecting a commercial real estate company?

The secret is to find a real estate agency that suits your needs and criteria. Yes, there are some overlapping concerns that should also be considered as proper documentation. However, when looking for one of the best real estate companies for your needs, you need to do more than scratch the surface. Here are some tips outlined below that may be helpful to help you through this process.

Let’s take a look at them:

look at his experience

Commercial real estate is a catch-all term, and this business can be multifaceted and highly nuanced. Therefore, you cannot just hire any real estate company for your needs. You have to start looking for one that fits your criteria. For example, if you are interested in buying or selling property in shopping malls or business districts, you should not hire a company that deals with offices and residential houses. You want someone with experience in the type of real estate you are focusing on, or else the company will be of little use because it will be out of your reach.

Assess your reputation

One of the best ways to spot the best companies is to take a look at their reputation. How can you do that? There are certifications, customer reviews, and awards that are readily available thanks to the magic of the Internet and the culture of open communication. If you find a commercial real estate company that looks appealing, you can do some research and find out if they stack up. This step can be immensely useful in allowing you to dodge a bullet.

Check customer reviews

The biggest problem with reviews is that they mostly come from satisfied customers. Dissatisfied customers do not post or their reviews are removed. Therefore, it is recommended that you ask the trading company to provide you with a list of their previous customers. This allows you to do your own homework and identify any weaknesses or issues a previous customer has found.

Meet the representative

Last but very important; Do not hire a company online. Always meet your representative in person and see if they understand your needs. Open communication is vital in this business and if you are not comfortable with them, there is no point in starting a relationship.

Use these pointers to choose one of the companies for your real estate needs.