Several Misconceptions Exposed About For Sale By Owner Transactions

There are several misconceptions about a For Sale by Owner type of transaction in the real estate world. If you are attempting a FSBO, you’ve come to the right place. Let’s discuss some of the myths and facts about this popular method of selling your house. Hopefully, this will address some of the misconceptions and misinformation you have about the process. It can be a positive transaction for all the parties involved, when done correctly.

Myth #1: I have to know a lot about real estate in order to sell my house on my own. I should be licensed as a real estate agent or at least take some classes.

Truth: While it can be extremely helpful to know the laws about real estate in your area, you do not have to know it all. Many times you can hire an experience real estate lawyer for much less than the agent’s commission and you are legally covered. These lawyers can provide you with the necessary contracts so that the sale is legal and binding. You may benefit from real estate classes or some simple online training but you don’t have to be licensed to sell your own property. Legally, any owner can sell their property without having a real estate license.

Myth #2: I need to be great with people to sell my house.

Truth: You shouldn’t be scared of people. There are some people who have a natural aversion to people and would consider themselves a hermit. Most people, however, can talk to other human beings on a one-on-one basis. If you are nervous in crowds, you have the ability to limit showings to one person at a time. You never have to host an open house and you can ask to only speak with the actual buyer, not their entire family. If you work and interact with people on a daily basis, limited or not, you can perform the necessary talking that will sell your house.

Myth #3: I’ll make a larger profit when I do a FSBO.

Truth: While many sellers do report making a larger profit, many experience the benefit of simply not paying money out of their own pocket. In this current housing market, the competition is plentiful and you may need to lower the asking price to compete in the market. You have to be willing to compromise to have a successful sale. When you lower the price, you may not have the leftover money from the sale to pay an agent and concessions. A FSBO will let you skip that part and lower the price enough to sell but you may not make a substantial gain on the house.

Myth #4: People will call and stop by at all hours of the day and night.

Truth: You will get phone calls, emails, and even drive-bys. Don’t think of them as a nuisance, but rather as money in your pocket. These are potential buyers and the faster you can get them to buy, the sooner you can be done with the hassles. It may be a pain to have the showings and distribute the info, but in reality when you use an agent, they don’t clean for you, make the decisions for you, or even create a budget for you. Those are all items you will do on your own so why pay an agent to do that.

Myth #5: It will hurt my neighbors and area to have a FSBO instead of a “real” sale.

Fact: When a house sells, the price is recorded. Depending on where you live it can be public information. Regardless of how it sells, the information is recorded. Even if you sell your own house, your area will not be hurt by it. Would your neighborhood benefit from a new person moving in and buying the house or from the house sitting vacant with the ability for squatters and vandalism? You need to sell your house so why not do it while you are in control?

Taking control of your real estate situation means doing what is best for you and your situation. Don’t allow others to determine or intimidate you into a decision. Real estate gives you the ability to control the future and you can be in complete control of the transaction.

Source by Melissa Gifford

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What to Expect After Bankruptcy

Bankruptcy can offer a new lease on life by discharging unsecured debts and making monthly living expenses more affordable. But bankruptcy is nothing to enter into lightly or to choose without first considering the long-term consequences of filing. For many people, the lowered credit score is a small price to pay for being debt-free, especially when they’re well-informed about how to move forward and rebuild their credit after bankruptcy.

Starting Over

Most people who file bankruptcy have credit card debt, so the thought of having a credit card again can be scary. It’s of course best to live within your means and save up to make purchases in order to avoid debt. However, your credit score is important, and it won’t improve unless you take steps to rebuild your credit. Immediately after you file bankruptcy, your credit report will show the bankruptcy itself, plus any late or missed payments from your past. By making timely, full payments on any bills you have, this positive history will soon overshadow the negatives. It’s wise to apply for a small credit card, even if you have to start with a secured account with a high interest rate. Make small purchases and pay them off completely each month, and you’ll see your credit score improve. Soon, you’ll be able to negotiate a better interest rate, which can make a difference when you use credit for larger purchases in the future.

Future Purchases

If possible, it’s best to wait a while after bankruptcy to finance a car. If this is not an option, (for example, you lost your car in the bankruptcy and do not have enough money saved up to make a purchase with cash) be prepared to pay a high interest rate after making a large down payment. The longer you can wait to do this, while using your small credit card, the lower payments you’ll end up with. Just like taking on any debt, make sure you closely review your budget to ensure that the payments will be easily manageable.

You could be in a position to purchase a home within a few years of filing bankruptcy. The lender will review your credit score and history prior to filing, as well as your current income and situation. Most lenders will require a hefty down payment, and you may need to jump through more approval hoops and paperwork than other purchasers, but home ownership is definitely an option.

Making a Move

Each bankruptcy is different, but sometimes filers also have to deal with eviction or foreclosure as part of their case. Others may choose to move into a more affordable rental to make monthly expenses more manageable or want to upgrade after their debt is discharged. Regardless of the reason for moving, a new rental always includes a credit check. A bankruptcy won’t necessarily disqualify you from renting a home, but this depends on the landlord or rental company. It’s best to tell your potential landlord ahead of time so that they are prepared when they pull your report. Some people even attach a letter explaining their circumstances and proving that they are now able to make their rent payments.

No Need to Delay

It can be disappointing to file bankruptcy, but for many people it’s the best possible choice. Instead of having a credit report that shows staggering debt and late payments, you could have a bankruptcy followed by clean credit. If filing is inevitable, the sooner you file, the sooner you head in a positive direction.

Source by W. George Senft

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How To Make Chocolate Truffles Out Of Leftover Cake

Fancy having home made truffles that are freshly made? You can make them yourself. Easily.

There are many ways to make your own chocolate truffles.

For example, if you have left over cake, you can turn that old cake into chocolate truffles.

This is a fun activity for the kids, to keep them out of mischief. Make sure they wash their hands thoroughly before they start.

You will need.

  • Leftover cake.
  • A large bar of your favourite chocolate.
  • Chopped nuts.

Kids Kitchen Activities – Making Chocolate Truffles

  1. Crush up the cake into crumbs in a bowl. (The kids can do this)
  2. Line a tray with baking paper.
  3. Spread chopped nuts on the baking paper.
  4. Melt chocolate. (You do this. Melt the chocolate on the high setting for 1 second in a microwave oven)
  5. Pour the melted chocolate into the cake crumbs
  6. Stir until thoroughly mixed. (Kids can do the mixing)
  7. Wash and dry hands thoroughly. (Everyone, please do this if you don’t want to get stomach upset.)
  8. Shape the cake crumb chocolate mix into balls. (I’d bet this would be the kids’ favourite activity)
  9. Roll these balls in chopped nuts. (Let the kids do this too.)
  10. Let the truffle balls set on the lined tray.
  11. Serve to anyone who loves chocolate truffles.

You can make variations to this recipe with flavourings and chocolate syrup. Here’s another version of cake chocolate truffles.

How to make flavoured chocolate truffles

Here’s another version, using a melon scoop instead of your hands to form the truffle balls.

  • Leftover cake
  • A large bar of your favourite chocolate.
  • Peppermint flavouring or vanilla essence.
  • Rainbow sprinkles.
  1. Crush up the cake into crumbs in a bowl.
  2. Line a tray with baking paper.
  3. Melt chocolate. Melt the chocolate on the high setting for 1 second in a microwave oven. Stir to make sure it is fully melted. If it is still solid, microwave it for another 1 second on high setting.
  4. Pour the melted chocolate into the cake crumbs
  5. Add 1 teaspoon of peppermint essence or vanilla essence, whichever flavour you prefer.
  6. Stir until thoroughly mixed. (Kids can do the mixing)
  7. Scoop up a ball of truffle mix.
  8. Use a teaspoon to ease that ball out of the melon scoop and onto the tray.
  9. Sprinkle rainbow sprinkles over the truffle balls.
  10. Let the truffle balls set on the lined tray.
  11. Serve to anyone who loves chocolate truffles.

If you like chocolates, do check out these chocolate recipes complete with videos on how to make these yummy chocolate candies.

Source by Janice Wee

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Sport Betting System

I have also been asked a few times about The Sports Betting Champ System and if I actually use it and if so, why do I make other bets. Well, I do use it and I also make other bets.

I like betting too much to just place the systems bets. I also bet on other sports like soccer, and use a different system for soccer picks too. I don’t know much about it, but I have bought a system that works well. If you want to know more about it email me or post a comment asking for a link to it and I can send it.

Anyhow, my point is that I like to bet outside of The Sports Betting Champ System with my own picks and I like to bet on other sports, including MLB, Soccer, NFL, and NHL. I use The Sports Betting Champ for NBA and MLB only and other systems for the rest.

Each sport has its own unique challenges and if you are betting picks outside of any system you need some knowledge of the sport and need to spend time researching. Remember, DO YOUR HOMEWORK. Now this takes time, but that is why I have found and use a purchased sports betting system for each sport.

That way, I get to see the systems picks and compare them to my own. Not only does it save me time so I can spend more on my own homework AND I get good picks from each system, I also get to see if my own systems are making similar picks. If they are, I am on the right track.

Betting is easy, but winning is the tough part. But, if you stay disciplined and use a betting system for each sport, you will win more then you lose.

Source by Peter Novak

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A Simplified Staffing Business Model

In much the same way Amazon and eBay have helped many get their start in starting, developing and running an e-commerce business, this same help is now available in starting a staffing business.

There are now well over two million third-party sellers on Amazon. The infrastructure that is on Amazon and eBay is plug_ and_ play for all who try and claim their stake on these selling platforms.

With this in mind, the traditional route for those seeking an opportunity to start their own staffing business included the need for a large capital infusion, a payroll system, access to high-cost worker’s compensation insurance and many other costs that were prohibitive for most to enter the industry.

For many who do have the resources to enter the staffing industry, they often turn to high-cost franchise staffing companies who enjoy a large slice of earnings for the lifetime of the business. This relationship can grow strained over time and at some point the operator may feel they are contributing more to the franchise than the franchise is contributing to the operator. When this occurs, the separation from the business can grow messy and can even end in litigation.

The simplicity of both Amazon and eBay and their policies are a big draw for many who are looking to sell products online. There are no long-term agreements or costs that can easily cripple a new business. Being able to be flexible in a new venture is always a great asset and both these platforms allow for it.

This flexibility platform is now available in the world of staffing and has over 150 firms using this unique business model to grow impressive sized businesses with many reaching over a million in first-year billing. With over half a billion under management in less than 10 years in operation, one can see this is becoming a great alternative to going it alone or entering into a long-term agreement with a franchise.

What you get on the platform:

  • Worker’s compensation insurance with no liability to the operator.
  • An unlimited funding source for all payroll and client billing.
  • A complete back-office for all management and personnel needs.
  • Access to professionals with over 40 years of staffing experience.

With all the boxes checked, this platform can be summed up as the Amazon or eBay of the staffing industry. If mitigation of risk is high on your list for starting a sustainable, prosperous business there are few options that can match what is now available.

Source by Brian Hutchinson

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