Immobilienmakler App

The customization process of a whole screwing machine is done based on a lot of factors. In this article, we are going to take a look at the customization of the automatic screw machine on the basis of the product of the customer. Read on to find out more.

1. First of all, the company gets in touch with the customer in order to find out and confirm the demands of the customer. Apart from this, they also ask the customer for the actual samples.

2. The R&D department of the project organizes a special team in order to perform a basic analysis of the product’s internal structure and provide a fundamental solution for the production line.

3. The engineer takes part in the discussions that allow the exchange of information. During these discussions, the customer may ask for the required details about the machine they need.

This allows the project team to get professional answers. Also, if a customer feels the need to change a specific part of the machine, the engineers can perform the feasibility evaluation first. Afterward, they keep the discussions going to reach a decision.

4. After detailed discussions, the final solution is agreed upon.

5. After the confirmation of the solution, the concerned parties sign the contract. Once the contract has been signed, the company may ask for advance payment for the automatic screw locking machine.

6. The supplier will make arrangements for a special team to put together and supply the drawing to the concerned production department. The next phase involves the production stage.

7. Once the assembly line is ready, the production moves to the trial phase until the debugging process is started.

8. After the clearance of the trial operation, the quality check sends a confirmation that the entire screwing machine has been shipped. In the meantime, the customer is sent a reminder to make the remaining payment.

9. After the final payment has been made according to the payment terms, the customer can receive the delivery.

10. Once the customer has received the machine, the supplier can ask their engineers to reach the customer to offer after-sales service. This includes the installation of the machine as well as the debugging process. During this process, any problems with the machine can be fixed to ensure that the machine is working fine.

11. After the debugging process, the production phase begins. The supplier can offer technical support for years to come. The customer is required to get the balance payment based on the contract terms.

The Scope of these Machines

Primary, non-standard customized machines are designed and made based on the requirements of the customer. During the design phase, suppliers consider the uses of the machine to ensure it will serve the required purpose.

So, this was an introduction to the customization of the screw tightening machines. If you are looking for these machines, make sure you consider these details. This will help you make sure that you get the best machine.

Immobilienmakler Heidelberg

Makler Heidelberg

These laws legally force the seller of a home to disclose to the potential buyer any serious defects of the property. The laws were created to help protect the buyer from any defects that were not noticed until they closed on the house and become the owners. Many times it is hard to enforce real estate disclose laws because what is considered serious defects may be open to interpretation. Because of this, the laws are constantly changing resulting in many states not having effective disclosure laws. If the state does not have mandatory real estate disclosure laws, they will usually have a voluntary disclosure.

These laws can cover many different subjects so you should consult with a qualified lawyer or real estate agent to find out the specifics of what they cover. In regards to real estate disclosure there are both state and federal laws regarding these laws. Some brokerages have additional regulations for listings they accept. In the United States, Federal law requires disclosure in regards to using lead paint in homes constructed before 1978. The disclosure laws generally cover toxic or hazardous materials and the presence of asbestos and radon gas.

These laws are designed to help protect a potential buyer from buying a home that has known defects or issues. For example, if the home you are considering buying has suffered from earthquake or flood damage these laws will typically require the seller to provide you with this information. In addition to real estate disclosure law protection the buyer should also have a home inspection done by a professional. This inspection can possibly find other potential issues. Sometimes, the lender will require that a home inspection be done before they approve the loan.

In some states, there are long questionnaires that the property owner has to fill out before they can sell the property. This questionnaire does ask about any potential issues or defects with the property. These questionnaires typically cover everything from issues with the land to the wiring and plumbing inside the home. Some of the things that the seller has to disclose include, but not limited to, are:

• Water damage caused by a leaking roof

• Presence of wetlands on a part of the property

• Recent deaths on the premises

Generally, these laws only require that the sell reveal issues that they are aware of. This means that they cannot be held responsible for any problems they were unaware of before putting their home on the market but not every state provides this protection. There have been some cases that the seller can be sued by the buyer after they buyer becomes the homeowner. This is why you need to have expert advice about real estate disclosure laws in your state.

Immobilienmakler Heidelberg

Makler Heidelberg

As a land owner, knowing the location of your property lines is one of the best ways to avoid disputes with your neighbors.

Property lines, or boundary lines, are the defined points where one owner’s land ends and the neighboring property begins. A property owner uses boundary lines to determine where they can legally place items such as fences, driveways, outbuildings like pole barns or anything else. Erecting a structure on or partially on another person’s land can lead to lawsuits and unpleasant situations with neighbors.

1. Check your deed. The deed contains the legal description of your property, which is basically the property’s measurements and boundaries in words. For most people, the property description can be difficult to interpret, so you may not find it helpful. However, sometimes, the legal description uses landmarks and measurements that you can interpret. If that’s the case, measure from the landmarks in the description to the property lines. Mark each corner with a stake or other marker. Measure from each stake to the next all the way around your property to ensure the measured lines match the deed. Physically measuring the boundaries will allow you to visually determine where the lines are and avoid encroaching on your neighbor’s land. Just be warned: An old description may rely on the location of a tree that no longer exists or a creek that has gone dry.

2. Check the official website for the assessor’s office in your municipality. Some assessors have mapping tools available online for all of the real estate in the area. You can use the maps to find the boundary lines for your property and to determine where nearby landmarks are located, such as the east line of your street. You can use these landmarks as fixed points to measure from. Using a tape measure or measuring wheel, measure the distance from each of the landmark points to your property line as shown on the maps.

3. If you don’t have a copy, and there’s nothing available online, visit the county recorder’s office or the assessor’s office. When you bought your property, you may have received a plat map, showing property lines and measurements. If it wasn’t included with your paperwork, check with your local clerk’s or surveyor’s office. Ask if there are any maps available for public viewing that include your neighborhood and street. Some of these maps may be available online, while others will be hard copies or microfiche copies. Even maps of neighboring properties can be valuable if they show shared property lines.

4. Last but not least, hire a surveyor. The most surefire way to determine legal property lines is by hiring a professional. The surveyor can measure and map the property and will generally also mark the corners of the property with stakes. It’s always a good recommendation to be present when the surveyor comes to measure your property, so they can review the property lines with you. The cost of a survey will vary depending on your location, lot size, and other variables. The surveyor needs to be licensed with your state and should carry professional liability insurance, which can cover you if the surveyor makes a mistake in the survey.

Immobilienmakler Heidelberg

Makler Heidelberg

After, over 15 years, as a Real Estate Licensed Salesperson, in the State of New York, I have witnessed situations, where homeowners, seemed to maximize their selling prices, while, other times, achieved, far – less, satisfying results! The reality is, effectively, successfully, marketing and selling a house, demands time – tested, timely, well – considered, strategies, and, often, hiring the best, real estate professional, for your specific needs, and priorities! A well – considered, strategy, requires several factors, and considerations, and, proceeding, from the onset, in a wise, effective manner. With, that in mind, this article will attempt to, briefly, consider, examine, and review, 6 specific keys, to significantly, wiser, home selling strategies.

1. Begin with a Competitive Market Analysis (CMA), which is professionally – designed, and created: Instead of, basing your listing price (the price, you offer, the house – for – sale, on the market), on emotion, greed, or overly – rosy, predictions, the best way, to do so, is, to use a Competitive Market Analysis, which, professionally considers, what similar houses, are selling for, in the specific, local, real estate/ housing market! This should indicate a range of pricing, based on reality, and economic considerations, and competition!

2. Current Market Conditions: When comparing selling prices, it is essential to base these on very recent, transactions, and action, price sold, rather than, merely, offered/ listed at! In addition, is the local market, a Sellers, Buyers, or Neutral one? Hire a real estate agent, who will make you the best – informed, consumer, and seller!

3. Specifics of Property: How does a particular house, and property, compare with similar ones, in the local region? What features, make this house, more or less attractive, and valuable? Are the style, room – size, and overall condition, make it, more or less desirable? How about the curb appeal? When, potential, qualified buyers, view, and/ or, drive – by, a property, does it attract, them, in a positive, compelling way?

4. Supply and Demand: Current Supply and Demand, impacts, listing and selling price! When, housing inventory, out – numbers demand, it is a Buyers Market, and, competition for qualified, potential buyers, is up! When, the reverse happens, we often witness, significant rises, in pricing! When, it is someplace, in – between, it is a neutral set of conditions, and, a specific, well – considered, and designed plan, is necessary!

5. Buyer perceptions: Often, it is buyer perceptions, positive or negative, which determines how a particular property, will perform, related to others! Why do you believe, sellers spend for staging a home, to help it get sold, for the highest, possible price, in the shortest period – of – time?

6. Mortgage interest rates: We have experienced, record, or near – record – low, mortgage interest rates, for a significant period of time, in the past couple of years! Since, this permits individuals to qualify, for larger amounts of money (to borrow), and afford lower monthly payments, it creates rising prices, because buyers feel, they can acquire, more – bang – for – the – buck! However, this is often, somewhat, uneven, because, every property, doesn’t rise, at the same – rate!

If, you are considering selling your home, hire an agent, who considers, and explains, how he will best utilize these 6 keys, as well as other relevant ones, and how it might benefit you! Since, for most, their home’s value represents their single – biggest, asset, doesn’t it make sense?

Immobilienmakler Heidelberg

Makler Heidelberg

Even with the recession, real estate is a billion dollar market in all the major developed and developing countries. What do you think is the first thing people see when scouting around to buy property? The answer would be the pictures of the property in question. Human beings respond better to visual stimulation.

Therefore, quality and interesting photography matters a lot and if you are a property photographer you should take it seriously. Why? Because your livelihood depends on it! If you are trying to sell real estate photographs to realtors and they are not worth the dollars the realtor pays, your effort goes to waste.

Real Estate Photography Tip #1: Capturing the Best Images

The intention is to sell the property so your photography should definitely be appealing to the people who view them. Try to highlight the best features of the house; the features that potential buyers will like to see matter the most. The photography also depends on the nature of the property – residential or commercial. Actually the pictures should showcase your talent and skill. While searching for realtors to see the images, sometimes you need to provide samples so capturing the best of images will greatly help to clinch the deal.

Real Estate Photography Tip #2: Selling the Images

To earn a living in this type of photography professionally, give yourself 1-2 years of time for creating a solid base of clients. You can set up a professional website with your portfolio, current projects (if any), specialization, skills, and lots of high-definition clear pictures for prospective buyers to see. Of course, you need to do a lot of marketing for getting the clients. Begin by scouting the area you are living in and any others that you have easy access to. Contact the realtors in the area, show them sample images and if luck is on your side, you will land your first deal soon!

Real Estate Photography Tip #3: Getting High Profile Clients

Getting high profile realtor clients who will buy your pictures is not easy because there are always better photographers around you and also you lack experience in the beginning. So after working for a year or two with local realtors, think of migrating towards getting high profile clients. The pay rate is definitely higher but you need to have real skill and knowledge to get an edge over others. Question yourself – what is there in you that sets you apart from other real estate photographers? Once you answer this, build on that aspect for better projects.

Of course, getting the high profile clientele is not easy. Be prepared for sample photo shoots as part of a personalized sales pitch.

Immobilienmakler Heidelberg

Makler Heidelberg

It’s not just your house that you should be concerned enough to turning green. After exerting efforts to make your place as sustainable and as eco-friendly as possible, why don’t you do homework together with your neighbors and turn your neighborhood into one that is eco-friendly too. Here are some tips.

Sharing garden space. Why would I share my garden with my neighbors? There are various benefits you can get from this act. First, your unused garden can be a space that supports plant and flower life. It can be turned into one that yields fruits and vegetables. There are organizations that are willing to give seeds in return of the favor of using your garden for their activities.

Establishing neighborhood cooperatives. A lot of success stories have been told about the establishment of neighborhood cooperatives. These can range from types that support the collection of recyclable wastes from the neighborhood and turning them over to larger recycling facilities in exchange for cash. The recyclers can often drop by at your designated place in specific intervals to pick up what you have collected. This is an efficient way of teaching your neighbors the importance of solid waste reduction.

Neighborhood coops can also be the types that produce processed or bottled foods, baked goodies, and other small scale profitable ventures.

Encourage the holding of swap days. It takes a lot of energy to make new things. It will also involve raw materials which are mainly coming from nature to make some of the thing you usually like. Taking inspiration from the old barter system of our ancestors, why don’t you initiate the staging of swap days among your neighbors every weekend.

This is a great opportunity not only to score the stuff you like but to also make friends with your neighbors. It will strengthen cooperation among neighbors while allowing each and everyone in your community to partake in conservation efforts.

If you’re good at baking, why not bring in some of your goodies. Who knows you can exchange it for a vase that is very fit for your center table. There are a lot of possible trades that can happen. You can even make it a swap party anchored with a weekly theme so things for swaps will have some variety.

Making your neighborhood an eco-friendly one can also be a goal towards developing a place that is harmonious and where people are always willing to exert an extra dose of helpfulness.

For other real estate concerns, your local real estate agent is just a call away. He or she has expert advises that can be helpful in owning an eco-friendly house.

Immobilienmakler Heidelberg

Makler Heidelberg

A Little About Arlyn

Arlyn DeCicco was born on May 2nd, 1954 to William D. and Toby B. Lampie. Despite the fact that she lost her dad from complications after surgery in 1984 and her mom to cancer in 1997, her parents left a strong imprint.

Arlyn learned her work ethic, determination and dedication from her parents and often refers to her mother’s favorite quote, „you can do anything you want to do as well as any man if not better.“

Horses entered Arlyn’s life when she was nine years old. „Hennie Bordwin, one of my mother’s friends, took me to Pepperell, MA where I got to ride a friend’s pony. I was hooked.“

„After I started riding, my brother Mark began to ride. Eventually, he discovered cars and marathon running. I kept riding.“

She grew up riding hunters and equitation in Massachusetts with Brian Flynn. She took clinics with Ronnie Mutch and George Morris. Later she trained with Dottie Morkis, Kathy Connelly, Ernst Bachinger and Belinda Nairn.

During the 1970s Arlyn added Eventing through the Preliminary level to her list of disciplines.

Arlyn’s teaching was transformed after she suffered two traumatic accidents. In 1972 Arlyn was thrown from a horse and suffered a back injury.

„One week after graduating high school I was bucked off in the morning while competing at a horse show. I continued to ride but later that day fell off again from the pain. I was rushed to the hospital in an ambulance and x-rays showed I broke my back (L3 and L4). I spent the summer in bed staring at the ceiling, which is why I can’t ever sit still today. Every moment is important,“ explained Arlyn.

Through her strong determination she survived that ordeal and in 1979 she and her husband Alfred started their first business called Woodlock Farm based in Massachusetts.

In the early 90s dressage was added to her riding and in 1995 she had success on a horse name Sedona who she rode to third place in the NEDA High Score Award at Fourth Level. In 1996 she competed in Prix St. Georges.

The year 1997 was a turning point in Arlyn’s life. She mysteriously fell off a horse when no one was around and was found lying on the ground with what was later diagnosed as a head trauma.

„She was unconscious and was medi-flighted to Beth Israel Hospital in Boston,“ explained her husband. „The left side of her body was compromised as well as her vision – eyes not in sync as I looked at her – double vision. After undergoing a battery of tests the doctors could find no reason for the fall. Arlyn doesn’t remember the horse bucking and prints in the arena, which had just been dragged, suggested she must have passed out and fallen off.“

Being a strong and independent woman, Arlyn convinced the doctors to let her come home just three days later. „Unfortunately, I couldn’t get her up the next morning and had to take her back in for two more days of observation,“ continued Alfred. „They still could not find anything and the doctors said there was nothing they could do.

„She would sleep a lot, but would then wake up in the morning. She lacked taste, except for Starbuck’s Java Chip ice cream which was her staple. The head trauma had compromised her left leg and hand. Before she got back on a horse, which was about six weeks from the fall, she regained enough use of her left leg and arm to drive herself to cranial-sacral therapy and physical pool therapy. She wasn’t able to keep her left fingers closed to ride so she devised a system where she tied reins to our treadmill and performed her own physical therapy.“

While Alfred worried „my attitude was that she would get better. She had her mother’s determination.“

One Determined Lady Figures Out A Way to Go On

„My goal was to continue to ride,“ commented Arlyn emphatically. „Thus I began my quest to obtain knowledge about the body starting with my treating physicians.“

Arlyn already had some knowledge because her mom was a registered nurse who was always asking questions of trainers, vets and farriers. As a curious child, Arlyn would always be sure to glean every word that was said. Arlyn continued asking questions and has added horse muscle therapists and horse chiropractors in her quest for knowledge.

She also benefitted from courses she took just a few months prior to her accident in August 1996. Arlyn became certified as a Personal Trainer by the American Council on Exercise (ACE). The ACE training manual includes human anatomy and bio-mechanics. Little did she know then how valuable that education would become later when she intuitively transferred that over to horses.

As Arlyn assessed her situation with an attitude of not letting anything stand in her way she also realized that she could no longer ride at her previous level. She further realized that she could not MAKE a horse do what she wanted. „All of my organizational skills and talent were of no use to me. I needed a new approach and I had to figure out how to direct my horse’s movement.“

She looked for a way to naturally guide the horse’s energy. The answer came in bits and pieces until it evolved into the philosophy that Arlyn has coined Balanced Equine Training Stretch Supple Strengthen (BET-SSS). This philosophy likens the rider to a man in a dancing partnership and the horse to a woman. The rider needs to learn how to lead the horse’s movement, rather than force or demand it, creating a willing partnership. After having been stretched and suppled, the horse wants to dance.

The concept of BET is to ride the neck as the counter-balance for the body. The goal is to educate riders to have the tools they need to lead their horses without interfering with their movement. Arlyn’s philosophy is „less is more“ and her goal is to have the rider „guide“ the horse’s energy so that they are a dancing couple effortlessly maneuvering around the arena.

Alfred has always been impressed with Arlyn’s attitude and teaching. „For Arlyn it is always about the horse first. If the horse is properly developed then it will perform better because it is comfortable with itself. I have heard many students tell Arlyn that she has the ability to explain new exercises clearly.“

Understanding the Anatomy

Understanding the horse’s anatomy is crucial in training. A horse’s body is extremely complex, and a rider must understand the horse’s musculature in order to know how to supple, stretch, and strengthen each muscle group properly. By training a horse incorrectly, one muscle might unknowingly be developed to inhibit the use and movement of another muscle.

There are four phases of the musculature: anterior, posterior, medial, and lateral. In understanding these four different areas, a rider can understand how to develop a horse correctly and how the four phases interact with one another to create the whole horse.

The anterior and posterior phases of the musculature refer respectively to the muscles in front and back. These muscles include those along the top and bottom lines of the horse, muscles in the front and back of the legs, and any muscles that work in a swinging motion.

While many riders may have heard or used the expression „riding from back to front“ or allowing the horse to move forward from the hind end, few understand how this relates to the horse’s musculature. If a rider does not encourage a horse to work forward from the hind legs or refuses to stretch the anterior and posterior muscles correctly, the horse’s movement and performance will be inhibited and its performance and ability to flex will be limited. This will result in lack of adjustability and possible injury.

The medial and lateral phases of the musculature refer respectively to the middle and outside muscles of the horse. These muscles are located on the sides of the horse and are used when the horse is asked to bend or move laterally.

In order to optimize the medial and lateral muscles, a rider must supple them. This can be done through lateral and bending exercises where the horse is asked to open up and breathe. Once the horse’s muscles are supple and relaxed, the horse will be able to more easily complete the rider’s requests. If a rider begins strengthening prematurely, the horse’s range of motion will be severely restricted. This will result in stiffness, resistance to the rider’s aids, and inability to perform.

BET-SSS in Layman’s Terms

Arlyn’s Balanced Equine Training Stretch Supple Strengthen or BET-SSS revolves around creating well balanced horses and riders by combining aerobic range of motion exercises with a system that develops all four phases of the musculature.

Stretch is the beginning phase when the horse is asked to lengthen its stride in the walk and stretch its neck as long and low as possible making sure the head is not behind the vertical. Once the horse is comfortably swinging in the walk, they begin to breathe and function aerobically. This aerobic exercise puts less stress on the horse’s muscles, joints, and heart and allows the horse to use itself more completely in a relaxed manner. By allowing the neck and head to stretch down, the horse can lift its back and propel itself forward more correctly from the hind end. Once the horse has experienced the rewards of this phase, they will be asked to repeat these movements in every gait and stage of work. The Stretch phase of SSS helps to relax the horse and prepare for the upcoming phases of Supple and Strengthen.

In the Supple phase the horse is asked to move on a circle. The horse may then be asked to lengthen the outside muscles and shorten the inside muscles or, alternatively, to shorten the outside muscles and lengthen the inside muscles. Other, more complicated suppling exercises involve leg yields or asking the horse to move away from the inside leg and rein. By shaping the horse’s neck and body through these movements, the horse opens up its rib cage. This will allow the horse to breathe more easily. After using the suppling exercises, the horse will be free to stretch and use itself more properly.

Strengthen is the final phase and should only be attempted after the other two phases have been completed. Here the object is to build muscle and strength in the horse. This phase can involve riding on varied terrain and work with cavalletti and trot poles. For more advanced exercises, horse and rider can work with gymnastic grids and jumps or the collected, medium, and extended gaits. Each horse’s physical development and mental acuity must be taken into account when developing a Strengthen program.

On The Scene

Now that you are armed with the concept the question remains as to how Arlyn would proceed to use all of this knowledge.

When giving a clinic, she begins with a demonstration and follows that with individual sessions. She has found the best timing is to have a minimum of three days in a row.

Arlyn starts by assessing the situation. „She analyzes the horse and rider as a pair and bases each exercise on their physical and mental abilities,“ explains Brittany Bazeley. „Her understanding of anatomy and physical fitness is applied to both horse and rider to stretch, supple and strengthen and no matter what happens throughout the day, it ends on a positive note for everyone.

„She looks at everything from the ground up. She looks at the horse in the stall and the placement of the saddle on the horse’s back among other things,“ adds show jumper Holly Scapa.

While watching the horse in motion, Arlyn assesses the horse’s range of motion and rideability. She also takes into consideration the rider’s level. Armed with this information she then works with the rider to educate them on what they can do to help improve these aspects. The next step is to watch the combination. The rider’s imbalances are also corrected so that they do not interfere with the horse’s range of motion. Through various aerobic exercises and the philosophy of Stretch Supple Strengthen, the horse’s musculature can be developed to create a more balanced and adjustable horse.

Her Students Speak Her Praises

Few words speak louder than from those who are on the outside looking in and on the inside looking out. The success of Arlyn’s method is repeatedly echoed in the words of her students and clients.

„I observed how Arlyn’s recovery from her injury enhanced her ability to teach and ride horses,“ commented Martha Weckel. „After the injury, her ability to ‚feel‘ for what the horse needed was that much more amazing. She could no longer ‚make‘ the horses do their jobs; rather she had to guide them as their ‚dance partner.'“

Dr. Heather Mack added, „I have learned to be a solid dance partner with my horses whereas before I was mostly just trying to stay out of their way.“

„What I learned is that you have to ride both sides of the horse. What we tend to do is ride whatever direction we are going and you need to ride both sides going both directions,“ explained Holly Scapa.

„Arlyn’s extensive knowledge of the anatomy of the horse and rider along with her unique training methods has helped put many struggling horses and riders on the road to successful balanced riding. Aryln doesn’t just teach you how to sit on a horse; she takes the time to teach you how to really ride,“ commented Julie Weisz, winner of the 2003 Onondarka Medal Finals.

„Arlyn is deeply committed to improving the physical and mental state of the horse. Her method works,“ noted Sally Black, owner of Blackland Farm.

„When horse and rider are both balanced you have a willing partnership. The horse doesn’t need to be forced or manipulated. You have a happy horse,“ commented Diana Yeater, owner/trainer.

„Watching Arlyn ride is classical. She doesn’t force; she flows with the horse. She is able to get a horse to soften and collect. She’s like watching poetry. She teaches the horse how to use its body properly,“ noted Dino Fretterd, Equine Body Worker.

„You can already walk, trot and canter. You don’t need me to do that. I’m here to help you and your horse do it better,“ is how Sally Haddon explained what she heard when Arlyn helped her son, Gatlan.

Miniature Horse owner Susan Hopmans of LaVista Farm added, the fact that this program allows horses to be all they can be and never forces makes my heart soar. It has such a calming and centering effect on the horses. The end result is a relaxed horse that understands and enjoys what is being asked.“

Jumper rider Joie Gatlin’s former stable manager Darren „Dagwood“ Roberts is a fan as well. „She has an intuitive knowledge of how their minds and bodies work. She was a huge part of Sun Cal’s King’s many successes.“

Show Jumper Mandy Porter who competed at the 2009 Las Vegas World Cup remarked, „Arlyn considers the wellbeing of the whole horse and the reward is a whole horse.“

Amateur-Owner jumper rider Mia Beckham noted, „Arlyn was the first person that did not try to teach me how to win. She taught me how to ride.“

„She has given me the skills to tap into my horse’s physical and emotional potential. They are so content and confident in their bodies and my riding of them,“ concluded Dr. Heather Mack.

And there you have it. Aryln has turned tragedy into triumph and our horses thank her.

Immobilienmakler Heidelberg

Makler Heidelberg

Paying someone else for a job, even if they have done a good job, is never something to look forward too. The same is true with Playa del Carmen Realtors. Some consider real estate agent fees to be a necessary evil. Some simply cannot spare the time and resource to sell their home, or buy their home on their own. Most Realtors work hard for their commission; still it is difficult to see thousands of dollars leave your hands and enter the pockets of your Realtor.

Most real estate agents are paid through a commission plan that most often ends up being a percentage of the selling/purchase price of the home. Percentages for the commission rate will vary from real estate agency to real estate agency, but most neighboring agents will have comparable rates. A common Realtor fee is 5-7% of the selling price.

Once you do the math you will realize that 5-7% is a lot of money (enough in fact to drive people to do their own buying and selling despite the difficulty). However, it may console you to know that the Realtor is not the recipient of the entire commission amount. After you pay your Playa del Carmen Realtor the agreed upon percentage, the Realtor must then split their earnings with the agency they work for. If there were other brokers involved in the purchase or sale than these brokers will also get a cut of the sale. The agency that the broker splits his commission with (usually paying out 50%) is compensated for the real estate agent’s work space, marketing, support and other resources needed to help in the sale.

Although it is possible to find fees that are lower than 5% in Playa del Carmen, it may be difficult especially in markets with a lot of real estate business and little competition between agencies (no competition means little incentive to be priced competitively). Some agencies are open to negotiating prices. Below are two suggestions for lowering your Realtor fees.

1. Agents who do not have to give as much money to the agencies that they work for have more flexibility in negotiating price with you. When a Realtor works for a company that requires 50% of the commission it puts the Realtor in a difficult position to have to compromise the small percentage that she is actually going to end up with. Some real estate agents are only required to pay 15% to their agencies. These are the types of Realtors that are more likely to give you some kind of discounted price.

2. There are Realtor services that you can opt out of in order to save money. Marketing methods such as newspaper advertisements are rarely what ends up selling a house. Telling your agent that you are not interested in such low yield expenses saves the agency money that they can then pass on to you.

If you are still unhappy with what you can expect to pay a Playa del Carmen Realtor consider all of the costs that you would be incurring had you chosen not to employ a Realtor. Remember that when you sell your home on your own you are responsible for paying for all forms of advertising, you pay to get your home listed with a service, you pay for legal council, you pay for copies, office supplies and documentation. You sacrifice money and time that could be saved had you not needed to spend so much time selling your property or looking for a new property. Consider the time lost working and the time lost with family and friends because you are responsible for being present at open houses, meeting with potential buyers, inspector reviews, etc. If you do not follow all of the laws and file the appropriate documents you could also be facing having to pay a great deal of money in a lawsuit. All of the costs add up fast.

Immobilienmakler Heidelberg

Makler Heidelberg

Buying a home often represents a new beginning, whether you are moving to a different area of town or moving to a new city or state.

There are many steps involved in buying a home, and the process can seem overwhelming. Whether you are a first-time home buyer or have bought and sold many times; the process is complicated and ever changing.

The first step is choosing a realtor. Not all real estate practitioners are REALTORS®; the term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. They can assist you by guiding you through the process; providing objective information for you, helping you find the best property, translating real estate lingo into terms you can understand; and they will act as your agent throughout the process.

When interviewing agents to assist you with your home purchase, make sure you understand how they will be representing you. Are they working for the seller? Are they dual-agents, or do they work as a buyer’s agent? You’ll want to make sure they are representing you, and only you.

The next step is to have a conversation with a mortgage professional. Working with a reputable mortgage broker is essential to a hassle free closing. It is the mortgage professional’s responsibility to provide financing for your new home.

Schedule an appointment early in your house hunting process. Your broker will work with you to identify any credit issues that need to be addressed prior to closing on your new home. Based upon the information presented to them, they will also let you know how much of a loan you qualify for. This information is vital to you and your Realtor when shopping for a home.

Your first appointment with your broker will entail providing financial and historical information for the Loan Application. This information will include but is not limited to the following:

– 2 Year Employment History

– If you plan to use a VA Loan your Certification of Eligibility

– If you plan to use a VA Loan and are relocating your Orders

– 2 Year Rental or Mortgage History

– Vital Statistics for you and your spouse (Birthdate, Social, Kids, Assets, Liabilities, etc)

– Last 2 Years W-2s

– Last 2 Pay Stubs

– Last 2 Bank Statements

– Last 2 Quarterly Retirements Account Statements

Your broker will pull a tri-merged credit report to review your credit history. This report shows everything reporting to each credit bureau (Experian, Equifax and TransUnion). Not all creditors report to all three bureaus so your scores may vary. The lender will use your mid-score when evaluating which loan programs you qualify for.

Should your credit report show derogatory information reporting, your Broker can assist you with credit repair options to improve your credit worthiness.

The only liabilities that will be counted in your Debt-to-Income Ratio will be those that report to the credit bureaus. So, regular household bills like utilities, auto insurance, cable do you factor into the mix. If you do not have a minimum of three trade lines reporting, some financing programs allow you to use standard monthly bills in lieu of revolving trade lines like credit cards.

Once all of this information is obtained, your Broker will be able to calculate the amount of loan you qualify for. Many factors are considered when qualifying you for a loan:

– Gross Income

– Liabilities

– Interest Rate

– Loan Type

– Payment

The standard Debt-to-Income Ratio should fall between 40-45%. When discussing your financing options, it is important to know where you would like to keep your PITI payment. You may qualify for more then you feel comfortable paying each month.

Once this number has been determined, and all documentation has been provided, your Broker can shop your loan with many lenders and qualify you for the loan program that will suit your unique circumstances.

At this point, your Broker will put together a Good Faith Estimate. This document will show you estimated costs involved with closing your loan. If you are using a VA Loan there is a funding fee that is built into the financing. It will also estimate your monthly payment based on current interest rates for the loan program you are qualifying for.

Now that you know how much you qualify for and the payment you feel comfortable with you can shop for a house within your budget.

Your Broker will advise you not to make any new credit purchases or apply for new credit until your loan closes as this will affect your credit score and Debt-to-Income Ratio.

Once you have your initial meeting with a mortgage professional, you should decide where you want to live. If you are getting ready to move to a new area, use the internet as a starting point. Research schools, demographics, crime statistics; research any and everything that is important to you. A sampling of some web sites to get you started:

Scorecard http://www.scorecard.org generates a pollution report card at the county level, giving information on such topics as air and water quality.

School Matters – shows academy performance http://www.schoolmatters.com

The U.S. Environmental Protection Agency’s http://www.epa.gov/epahome/commsearch.htm Has a tool that allows visitors to search a community by ZIP code for environmental facts about the area, including pollution statistics, the location of hazardous-waste sites and information about the area’s watershed.

Zip Skinny http://www.zipskinny.com Enter your zip code to see U.S. Census data and comparison with other zip code

If you need assistance finding this information, a Realtor can provide this information for you or tell you where you can find it. Also, most Realtors have comprehensive relocation packages they can customize and send or email it to you.

After you narrow down the vicinity you want to live in, you’ll want to drive around and see if you still like the area. No matter how much research you do on the internet, nothing takes the place of seeing a neighborhood in person. Pay attention to the upkeep of the neighborhood and look at the surrounding traffic. Does it have the components you are looking for? Is it close to shopping, close to work, close to schools? Does it consist of families, or singles, or working couples? Does it seem safe? Are the homes tidy and well-maintained? Are the streets quiet?

Once you decide on the area, then you can start looking at potential homes. Remember, first focus on the location of the house. From there, focus on the floor plan; whether it is a ranch, bi-level, 2-story, etc. The two things you can’t change in a house are the location and the floor plan; almost everything else can be modified. Different floor plans suit different needs; you may want a ranch with no steps, you may want a bi-level and the kids to have their bedrooms in the basement; you may want a two-story with the bedrooms on the 2nd story and for the main level to be the living area.

In- person property searches can take an afternoon or months, some people like the first house they see, and others see 75 before they find the perfect house. As you walk through a potential house the first time, see if you can imagine yourself living in it, will it fit your lifestyle and all of the things that are important to you. As you leave the house, decide on a scale of 1 to 10, with 10 being the highest rating, where it fits within the range. If it is a 2, discard the info on the house. If it’s a 7 or 8, put it in a „keep pile“. If you spend a couple of days looking, you should be able to narrow it down to your top 3 or 4. You’ll want to look at your top houses again, this time with a more critical eye. Is there anything you missed the first time? Do you still like it? Drive the neighborhood during different times of the day and on different days of the week. Make sure you like the neighborhood, ask questions of the neighbors. Most people are very eager to tell you about the area and why they do or do not like living there. Remember, location, location, location. Ideally you want to buy in an established neighborhood; and you don’t want to fall in love with the most expensive house on the block. You always need to think about resale. If all of the other houses are 3 bedrooms, and the one you love only has one bedroom which is all you need; you may want to think twice about it. Are you going to be able to resell it?

Then, after you have decided you have found your perfect dream house, have your Realtor do a comparative market analysis, CMA, for you. The purpose of this research is to see what comparable houses have been selling for in the same area during the last several months. No matter how much you love it, you want to know if it is priced fairly. If it is overpriced or under-priced, either way you’ll want to know. Remember, the more informed you are the better. The CMA will provide information that can help you decide on your beginning offer price.

The next step is to have your Realtor write an offer with the terms and price you want to offer. Before writing the offer, you’ll want to discuss the purchase price, earnest money, what’s included with the property, closing date, and all types of other pertinent details with your agent. All of these details should be included in the offer. Once the offer is written and you have signed it and written an earnest money check, the Realtor presents the offer along with your prequalification letter to the listing agent who is representing the seller or in some areas it is customary for your agent to present it directly to the listing agent and the sellers at the same time The response to your offer can have several different outcomes; (1) no response from the seller (2) acceptance by the seller with no changes to the offer (3) a counteroffer from the seller which can including anything from the price, to the closing date, to the inspection dates, to the earnest money. Anything in the offer can be subject to a counter. The response from the seller will determine your next move. Ultimately, you and the seller want to come to a joint agreement on all facets of the offer and this will be signed by both parties and detailed out in the counteroffer. In today’s market conditions, many buyers are asking sellers to pay for their closing costs, as well as a home warranty. As a buyer, make sure you thoroughly understand the offer and all of its components. Once it is signed by both the buyer and the seller, it becomes a binding legal contract enforceable by law. In many states, Realtors are required to use state approved legal contracts and forms, and you can get always have a lawyer review the contract.

Once the contract becomes accepted, then you and realtor really start to work. The title commitment (or abstract) is ordered and you, your Realtor and your lender will receive a copy of it. Your agent will help you read through it to make sure you understand the requirements and exceptions that come with the property. This is a very important step, as the title company will be issuing an insurance policy guaranteeing that you have clear title to the property.

Once you have an accepted contract, your Broker will update your application per the contract and submit your file to the lender’s underwriter. Depending on how long it took to find your house, the lender may require you resign the loan documents. The underwriter will review all of the documentation and verifications provided by your broker. Depending on your personal situation the underwriter may ask for additional information or clarification regarding your credit history. This is called a CONDITIONAL LOAN APPROVAL. This means, as long as you can provide the additional documentation, the underwriter will approve your loan.

The most common items on a conditional loan approval list are:

– Letter of explanation on credit history

– Pay off old credit accounts or proof they were paid

– Provide proof of home owners insurance

– Update the title insurance with the lender’s information

– Provide updated pay stubs and bank statements

– Appraisal of the property

– Lock the interest rate

One of the most important steps in the process is to lock in your interest rate. Each lender has their own set of requirements for locking a loan. The rate you were quoted on your Good Faith Estimate is only an estimate based on market conditions at the time of your prequalification. Locking your rate will be a decision you and your Broker will make together prior to closing your loan. Rates are currently at a 28 month low, however rates are subject to change daily, and often times multiple times a day.

From the time your Loan Application is submitted to underwriting until closing can take appx. 21 days. Timing is often times dictated by the time of month you plan to close, how long it takes to gather the Loan Conditions, and the closing date on your contract.

While your loan is going through underwriting, you and your Realtor will get the inspections scheduled. General inspection, structural inspection, termites, radon are just a few of the inspections that can be scheduled and these vary from area to area of the country. As an example, In the Rocky Mountain area you may want to have a structural inspection because of the expansive soil and underground mines; in the Midwest you may have to have an inspection for termites. Your Realtor can suggest the appropriate ones for your area. Remember, this is one of the most expensive purchases of your life, you want to know the condition of the property you are buying. Safety concerns and other major ticket items that come up during the inspection can result in a laundry list of items that a buyer may ask to have repaired or replaced. The seller doesn’t have to agree to fix anything, but it doesn’t hurt to ask. If a contract is going to fall apart, it is usually because the seller and buyer can’t come to terms on inspection items, or it is due to the buyer not being able to qualify for a loan.

If your financing gets secured, if the property appraises correctly, if you come to terms on the inspection(s), if the title (or abstract) looks O.K., and if you get your home insurance secured, then chances are you will close on the property and the property ownership will get transferred to you.

One last thing that should be done before closing, is to conduct a final walk-through of the property. This isn’t a chance for another inspection, but the buyer should make sure that nothing has changed in the property from their last walk-through and the buyer will want to confirm that any personal property negotiated as part of the contract is still there. As an example, if the offer included the refrigerator and washer and dryer; these items should still be in the property during the walk-through. If the property had storm windows on all of the windows, then they should be there during the walk-through.

When a successful closing occurs, it’s the result of a team effort between you, your realtor, your lender, the seller, and the seller’s lender. It’s a perfect way to start a new beginning.

Immobilienmakler Heidelberg

Makler Heidelberg

The sunniest time of the year when sun is shining brightly is surely a great time for exploring new neighborhoods and visualizing future patio parties during viewings. If you are planning to buy home this summer then it is important to understand the housing market prior starting any serious shopping. You must have to know what housing market is like for buyers now and what you can do to end up the best home with best price that fits right in your budget.

Owning a home is an investment in your future and with that in mind you wants to make sure that you are making educated decisions so that you could get the best possible deal. Housing market in 2018 should be just as strong this summer as it’s been all spring. List prices and existing home sales have risen this year but there are perks to house hunting right now, too. We present you some of the facts and tips to help you get the most out of this year’s summer housing market.

SUMMER MARKET FACTS

DURING THE SUMMER PRICES DROP: Although summer is busy home-buying season but still it is not crazy as prices drop from May through October. Anyhow if you hang out until late August then you could find a really great deal-that is when nearly 14 % of listings get a price cut.

Private Mortgage Insurance Is GETTING MORE Reliable: PMI or Private Mortgage Insurance getting cheaper after PMI lenders MGIC and Radian lowered their rates this spring; it is great financing news for homebuyers. That’s going to cause most of these PMI companies to be competitive with each other which in result going to bring them all down. Less than 20 % of down payment makes the home buyers to get PMI. It means it will be cheaper for some buyers to get into homes sooner.

HOMEBUYING TIPS FOR SUMMER 2018

DON’T DISCOUNT OLDER LISTINGS: At the times when homes are flying off the market within days due to strong competition, it is easy to think a listing that’s a week or so old is a red flag. But keep in mind that it is not always the case. It is often because buyer got cold feet and pulled out of a deal on a perfectly good house. But thanks to the assumptions home buyers make about older listings in busy markets, the delay can cause the price to come down.

There are just more of these in market. The number of homes in market is shrinking but still there are 8.3 % more fixer-upper among them than there were six years ago. If you are dead-set against a fixer-upper to be prepared to move quickly then there is only ever going to be a couple of options at a time. And when new listings come up it’s going to be pretty ferocious.

GET TO KNOW THE NEIGHBORHOOD: The plus point of competitive market it gives you temptation to make an offer on any available property that fits your criteria but if it’s in the wrong neighborhood, you may never want to purchase the house. It is better to take some time and do community scouting before making an offer. You can even find out what your future neighbors have to say about the area by communicating with them.

MAKE THE STRONGEST OFFER: To stay in the market make the strongest offer, even your offer is not the highest because now is not the time for low ball-offer. No doubt, coming up with cash offer could be tough for many home buyers but there are some ways to make a strong offer that don’t require gobs of money. Substantial eventualities like a shorter closing or inspection period and writing a great offer letter can help make your offer stand out.

Immobilienmakler Heidelberg

Makler Heidelberg