www.Newieforum.com

Avoid Highway Robbery by Using The New Crude--WATER

dhub — Sat, 24 Jan 2009 06:59:55 GMT

Avoid Highway Robbery by Using The New Crude--WATER
by: Leslie Lackman

HERE'S THE BAD NEWS.

Engines waste gasoline! Up to 80% of the high-priced gas that you pump doesn't get you anywhere because it goes UNBURNED to the catalytic converter. That means you are getting 0 MPG (zero, zilch, nada) from most of the over-priced gasoline you pump into your tank.

WHY DO COMBUSTION ENGINES WASTE SO MUCH GAS?

That's what they are designed to do--WASTE GAS--because every second of every day, everywhere in the world, every single gas and diesel engine on the planet puts money into the deep, deep, DEEP pockets of Big Oil.

Automotive and fuel technology has been deliberately held back, and people have been kept in the dark about AMAZING inventions and discoveries, in order to sell us lots of gasoline. Sorry, but that's how it is.

For example, the gas could be preheated and better formulated for better combustion--but it's not. The fuel vapor droplets could be smaller for efficient combustion--but they're not. The pre-set computer-controlled air-to-fuel ratio could be more economical--but it's not. The exhaust could be reprocessed to contribute to mileage (there are patents on that)--but it's not. Cars could be using a better carburetor design--but they're not because the patent for a 100 MPG carburetor was bought and buried years ago. Cars could be running completely on water fuel--but they're not because those patents were also bought and then buried along with the inventor (however, the patents ran out recently!). Even the hybrids that Big Auto is selling at luxury car prices don't optimize gasoline combustion and consumption.

HERE'S THE GOOD NEWS.

You can do something about it, ONE CAR AT A TIME, starting with YOUR car.

How? By using ENERGY from WATER.

If that sounds impossible, or crazy, or delusional, I understand. This is something that none of our trusted sources of information--TV, radio, teachers, movies, professors, magazines, dad, scientists, books, Sesame Street--have told us about. Why? See the bad news, above.

I mentioned amazing inventions and discoveries. Many of them have very sophisticated technical patents on them. But the kind of water energy system I am talking about, the one that is affordable and do-able by ME and YOU in OUR cars (not by buying a Big Auto hybrid with a luxury car pricetag), is a do-it-yourself technology, specifically designed for beginners with basic tools and very limited budgets. A working system can be built at home for $20 to $200 worth of parts and installed in your car, truck, or SUV on a weekend. It's a 90-year-old technology that has been revived and developed into a simple, affordable, SAFE system based on low-cost hardware.

It works like this: The main component of the low-cost water energy system is an electrolyzer-a container of water with electrodes in it. The electrolyzer takes a tiny bit of electricity from your car. The electricity "splits" water into hydroxyl gas and feeds it immediately to the engine cylinders. The improved air/fuel mix gets very efficient combustion.

SPINNING WHEELS, NOT HEADS

Remember the bad news at the top? Remember I said that wasted fuel can be as much as 80%? In other words, even though you have paid $3.50 or more per gallon, you are only getting performance from as little as 20%--two gallons out of every ten--of the gas you pay good money for! It puts a whole new complexion on the phrase "highway robbery."

Our heads are spinning from rising gas prices. Now imagine instead that ALL your gasoline is working for you--it's actually turning your wheels and not just being turned into carbon deposits on your engine or exhaust from the catalytic converter. What would it be like for ALL that gasoline to be giving you mileage? It would be a WHOLE LOT MORE ECONOMICAL, that's what! That's what happens when you add the energy from water.

SEEING THE SEA OF ENERGY

Wondering how much energy is in water?

One gallon of water converts to approximately 1,833 gallons of combustible gas. One observer noted that a gallon of water in his water energy system lasted for about 2,700 miles.

"Energy from water" is hard to believe because we are misled by the appearance of water when it's liquied. It looks so, well, WET and noncombustible. But if we could SEE the sea of energy in the water--zillions of hydrogen and oxygen atoms ready to break out and be combustible gas under the right conditions--it would be easy to conceive that, indeed, water can be "burned" in an engine, thus taking advantage of a new "crude"--plain water.

Why aren't scientists telling us about this? Why doesn't it make big headlines? More bad news. Some of them just don't know about it, and some are paid to tell us about anything BUT this. Also, scientists are sometimes far behind empirical evidence from experimenters and inventors. Sometimes a true scientist makes an amazing discovery and is suddenly way ahead of everyone. What happens then? He or she has to fight all the other scientists that are way behind or too vested in the old paradigm. So who are the true scientists around here? A TRUE scientist could be anyone, including a scientist.

THE LAW OF CONSERVATION

Here is something to ponder from Patrick J. Kelly of http://www.PanaceaUniversity.org. He has a delightful way of tilting one's mind out of its box:

"The Law of Conservation of Energy is undoubtedly correct when it shows that more energy cannot be taken out of any system than is put into that system. However, that does not mean that WE cannot get more energy out of a system than WE put into it. A crude example is a solar panel in sunlight. We get electrical power out of the panel but we do not put the sunlight into the panel-the sunlight arrives on its own. This example is simple as we can see the sunlight reaching the solar panel.

"If, instead of the solar panel, we had a device which absorbs some of the energy that Quantum Mechanics observes and then gives out, say, electrical power, would that be so different? Most people say "yes!--it is impossible!" but this reaction is based on the fact that we cannot see this sea of energy. Should we say that a TV set cannot possibly work because we cannot see a television transmission signal?"

BUT ISN'T IT DANGEROUS?

We have been living and driving with danger for decades--it's called GASOLINE! Cars and trucks are planet-polluting bombs on wheels! But we are accustomed to it, right? And for the most part, we don't blow ourselves up.

But in the water energy system, I know, you think we're talking about tanks of compressed hydrogen in the car, but that's not how it is done! Here's the beauty of it:

Hydrogen is already compressed in plain water!

All we do in a water for fuel system is UNCOMPRESS and USE it--immediately, on-demand, in the engine! No hydrogen bombs on board. Just a container of distilled water! And the exhaust is--WATER! You split water, you burn it, you get fantastic mileage, you get a little water left over.

GREEN TECHNOLOGY

You can't get much greener than this unless you go for an engine designed to run completely on water, like the one that was designed and proven by Stanley Meyers when he drove across the United States on approximately 28 gallons of water. (You can see interviews with him on YouTube.) You can't get much more affordable, either. And because this is GREEN technology, and you will not be causing any damage to the car or the engine (far from it), your warranty will most likely be intact AND the government will owe you money for going green!

INSTALL WATER ENERGY SYSTEM, DROP JAW

You could pay someone to install your water for gas system. There are hundreds of people around the world who are constructing and installing water energy systems, as well as driving "watercars" themselves. These people save gas, save money, get much better mileage, and enjoy smoother-running engines and greatly reduced emissions. And that's why they are happy to do the same for you so you can save gas, save money, get much better mileage, and enjoy a smoother-running engine and reduced emissions.

Or you could do it yourself, in which case you would first get instructions, which are available on line. Then you would make a parts list and buy the parts from hardware and electronics stores. Third, you would construct the components of the water energy system, put them all together, and install the system, making all the necessary adjustments to it. You would now be the proud owner of a Water Hybrid Vehicle. And last, after picking up your jaw from the floor, where it has dropped in astonishment at your engine's mileage and performance, you would become an advocate of water energy, as I have.

BETTER COMBUSTION FOR THE MIND

To really grasp the implications and possibilities here, we must first clean the carbon deposits out of our minds. Using waterfuel is an approach to our cars and fuel that requires more participation from us. The whole water energy system consists of physical components PLUS your mind and attitudes about fuel consumption. To really optimize your waterfuel system, you will also be using fuel warmer, some Kiker wires to improve the spark, Xylene to add to your gasoline, a low-friction synthetic motor oil, a couple bottles of fuel treatment to clean carbon deposits from old unburned fuel out of your engine, a MAP sensor enhancer to keep the car computer from over-correcting the fuel mix back to over-rich, tires that are always fully inflated, and a real-time mileage tracker so that you won't have to use an entire tank of gas to know what mileage you are getting.

Perhaps the most important thing is this:

Trust yourself.

When you use an "alternative" fuel-efficiency system, you are an experimenter who is going against the herd and chances are, you are going to get some flack. Don't be fooled by self-appointed "experts" who don't have hands-on experience and say it can't be done. When they laugh or frown or condescend and say, "It's scientifically impossible," well, first of all, you know they are not "true scientists" (so why are they acting like they know what "scientifically" means?). Ask them if they have ever tried it themselves. You will find they have not. Further discussion might be fruitless, but you can try. Tell them to just wait and see. See for yourself. Don't wait ten years for big industry to do it because they don't want to GIVE you anything--they are only thinking about what they can GET from you while they continue making empty promises.

WHAT CAN A WATER ENERGY SYSTEM REALLY DO FOR ME?

Well

How much will gas cost the next time you fill your tank?

A water energy system won't lower the price of ALL gasoline.

It will lower the price of YOURS. But don't just take my word for it.

Leslie Lackman is an advocate of the application of free, unlimited energies--mind, water, life force--to cars, health, wellness, and performance.

http://www.dhub.com.au

Forum: Automotives

Friendly poker game? WANTED

Poker4Fun — Wed, 14 Jan 2009 04:44:15 GMT

Hi looking for group poker lovers to form a friendly game once a week in Newcastle
or Lake Macquarie..! Age 30 to 60 must be able to also take turns in providing venue..!
Please send me a massage if interested.

Poker4Fun

Forum: Sports

Free Children ebooks stories..! (download)

ADMIN — Tue, 13 Jan 2009 05:24:19 GMT

Free Children ebooks stories..! (download)

Forum: Childcare

eBOOKS

ADMIN — Tue, 13 Jan 2009 05:07:42 GMT

ebooks and Documents\consumer informations.

Forum: Useful informations

5 Steps to Clear Skin

dhub — Mon, 06 Oct 2008 08:35:58 GMT

Step One: Reduce excess oil secretion:
Accutane is a derivative of vitamin A and reduces the secretion of oil by the oil glands.
Foods that supply the body with Vitamin A and beta-carotene (which is converted to vitamin A by the body) include: Liver, oily fish, whole eggs, carrots, sweet potatoes, and broccoli.

Step Two: Encourage extreme shedding of the skin:
Using a peel is the easiest method to promote shedding of the skin. Exfoliation releases the build-up of dead skin cells, oils and bacteria trapped in the pores, which could lead to the formation of blemishes.

Extreme peels
Peels come in varying degrees, from mild to harsh. The trichloroacetic acid (TCA) peel is an extreme peel that can cost from $100 to $1000 depending on the degree of the treatment. It is only performed in a doctor's office. The TCA is not a save all however. The peel can make the skin sensitive to the sun cause hyper-pigmentation.

Home use peels:
Several over-the-counter peels contain papaya enzymes or glycolic acid. These peels lightly exfoliate the skin and are safe for weekly use.

Step Three: Reduce the spread of bacterial infection:
Using an astringent such as witch hazel or apple cider vinegar to disinfect the skin significantly reduces the presence of bacteria on the face. This reduction limits skin inflammation and the likelihood of a pimple developing.

Step Four: Enhance Fat Metabolism:
Free fatty acids can irritate the skin and provoke acne eruptions. Reducing intake of foods containing hydrolyzed fats will improve fat metabolism. However, do consume essential fatty acids such as Omega-3 and Omega-6, which are found in foods such as salmon and olive oil. These essential fats aid the gastrointestinal tract eliminate pro-inflammatory substances, which reduces the possibility of experiencing acne lesions.

Step Five: Reduce inflammation:
A strong immune system serves as a buffer against inflammation. Stress reducing activities such as exercising, eating a well-balanced diet and sleeping well boosts the immune system. A diet supplemented with B-Complex, zinc and vitamins C and E likewise enhances the effectiveness of the immune system.

These steps work via creating a bodily environment that is not conducive to acne. By adhering to the nutritional and aesthetic steps above, anyone can attain clear skin while simultaneously augmenting their health.

About the Author
Health author and Stanford University graduate Naweko San-Joyz lovingly writes from her home in San Diego. Her works include "Acne Messages: Crack the code of your zits and say goodbye to acne" (ISBN: 0974912204) and the upcoming work "Skinny Fat Chicks, Why we're still not getting this dieting thing" (ISBN: 0974912212) for release in June of 2005.
For useful acne self-help articles visit
http://www.dhub.com.au

Forum: General Topics

Cholesterol and Diabetes

dhub — Mon, 06 Oct 2008 08:32:55 GMT

Cholesterol is the waxy, fatty and lipid solution circulating in the body. Its main function is to provide much required fat to the body and also produce sex hormones. Apart from fat providing, it also creates a protective coating to the arteries and its surrounding walls. Whereas diabetes is the condition when the body is unable to produce and use the insulin. Broadly talking insulin is the hormone that converts sugar, starch and various other foods into energy required by the body. According to the experts diabetes can be the possible reason for the high cholesterol. It has been seen in various situations that diabetes tends to be the root for high level cholesterol in the future especially for the children who are suffering from diabetes since childhood.

Cholesterol is actually said to follow diabetes. It has been evidential that diabetes generally weakens body's immune system which results in concentration of high cholesterol not only in arteries but also to its surrounding walls. According the latest survey it was revealed that people having diabetes from an infant age are more prone to high cholesterol and its related diseases. Diabetes not only increases the risk of high cholesterol but also obstructs a person from having cholesterol reduction pills. Because maximum cholesterol reduction pills have sugar this gives a dealt blow to the person health. It is also noticed that people likely to inherit diabetes from their parents at an infant age and in their adulthood they succumb to high level cholesterol.

Few experts feel that sometime diabetes may not be the root cause for cholesterol but people who are diabetic and over that they smoke and drinks this makes them more prone to high cholesterol in comparison to only diabetic person. Diabetes not only increases cholesterol level but also makes the person obese and overweight. It is also seen that chronic high blood glucose level in the body sometime leads to narrowing of arteries and blocking the normal blood circulation. Researchers have confirmed that high diabetes is the doorway to coronary heart disease or CHD which results when diabetes is teemed with high cholesterol level.

The best way to control cholesterol level in a diabetic body is to consume the balanced diet teemed with exercises and various body movements. By seeing this sudden increase in diabetes and cholesterol related diseases nowadays you can also find the pills which can be taken by diabetic people without much worry. Statins are the only medications which can be consumed by a diabetic person without much hassle. So just relax, follow a strict diet, exercise regularly and live a healthy and happy life.

About the author:

Author is health expert specializes in cholesterol
http://www.dhub.com.au

Forum: General Topics

10 Profit Boosting Tips To Increase The Success Of Your Affiliate Program

CLICKMONEY — Thur, 02 Oct 2008 00:58:56 GMT

10 Profit Boosting Tips To Increase The Success Of Your Affiliate Program
1. Develop credible, benefit rich ad copy, along with a well designed site to increase your sign ups, and also your affiliates' conversion rates. 2. Submit your affiliate program to directories that list affiliate programs. These directories attract lots of people interested in joining affiliate programs, and will increase your sign ups by giving you good ongoing promotion of your affiliate program. 3. Pay your affiliates well for promoting your products. Offering your... read more!

Forum: Online Trading

Affiliate Marketing - What's In It For You?

CLICKMONEY — Thur, 02 Oct 2008 00:56:25 GMT

Affiliate Marketing - What's In It For You?

Are you making the kind of money, online, as you had imagined you would be? Has becoming and Internet marketer fulfilled your dreams, or has it become some crazy nightmare? Are you making money for yourself, or have you gotten back into the trap of making money for someone else?

Think back to when you first decided to make money with your computer and Internet connection. Wasn't it a desire to make more money, have more time, and stop making someone else rich off your efforts, the main drive that got you going? Are you there yet? Would you like to know why you're still chasing your tail? READ MORE!

Forum: Online Trading

Kitchen Remodeling

alenb — Sat, 13 Sep 2008 23:19:42 GMT

Remodel That Kitchen!

How many times have you thought about remodeling your kitchen but talked yourself out of it because it just seemed like a lot of work? This may come as a surprise, but remodeling your kitchen brings great rewards. Rewards to the tune of 80-100% return on your investment!

It can seem overwhelming to remodel your kitchen. There seem to be so many things to consider that it can paralyze you from doing anything at all. But for your basic kitchen remodel there are really only five major items to consider.

Your Appliances Set the Stage

The first item to consider is your appliances. The look of your appliances really sets the stage for how the rest of the kitchen should look.

Are you after an ultra-modern stainless steel feel for your kitchen? Or are you more of a homey white appliance kind of family? Perhaps you like the flare of jet black appliances.

Give this a little thought and then get online or visit your favorite appliance store to see what's currently available.

Selecting The Cabinets

Once you've gotten your appliances and know the general feel you're going for, it's time to select the cabinets. If you're looking for ultra-modern, consider stainless steel cabinets. Glass doors can really give a modern edge to your kitchen as well.

If you're after a more homey kitchen, then solid wood cabinets with a rich wood finish will do the trick. For the edgier black appliances, look to flat faced doors with sharp edges and less country flare.

Now For The Counter Tops

Selecting the right material for your countertops is of vital importance to your newly remodeled kitchen. The color, texture and look of the counters make a real statement in the kitchen.

But even more important than that, the counters are the real work space of the kitchen and must be able to withstand what your family is going to put them through.

Granite is a popular countertop material because it's very durable and has a great finish for almost any kitchen design.

Faucets and Sinks

While the faucets and sinks make up a relatively small portion of the kitchen space, they can really make a difference to the look and feel of your new kitchen.

For a classy kitchen, rounded hardware with edges full of flare and a brass finish often do the trick. Again, ultra-modern design calls for stainless steel sinks and bold streamlined faucets. The homey look can be achieved with porcelain sinks and tall, rounded faucets.

Spending a little extra money on those faucets can really add class to the whole remodel. Going cheap on the faucets and hardware can dull down even the most expensive cabinets and countertops.

Finally, The Floors

Finally, be careful not to overlook the flooring you're going to put into your newly remodeled kitchen. As with faucets, going cheap in this department will really lessen the look and feel of the entire kitchen.

While grouted tile is not a necessity, if you go with linoleum be sure to find a quality pattern that isn't too busy. You don't want people staring at the floor the entire time they're in the kitchen. Hardwood floors (or great looking imitations) really add class as well.

Now, that wasn't so hard was it? There are really only five things to consider for most kitchen remodels: appliances, cabinets, countertops, sinks and faucets and flooring.

Start with the appliances to set the stage and follow through in the rest of your selections. Print out your selections from the web or clip them out of magazines and lay them out on a table to see how they look together. Getting a bird's eye view in this way will really help you get the pieces that fit best together.

Forum: DIY Renovators

Home Theater Systems

Movie1 — Sat, 13 Sep 2008 00:29:50 GMT

Theater Systems Are No Longer the Sole Domain of the Audiopiles

To some, home theater is simply a big television, but a home theater is really a combination of video and audio components that achieves a theater-like experience. Many people view home theater systems as a luxury. However, home theater is not just for audiophiles anymore. There are many simple home theater systems that are easy to set up. Home Theater is quickly growing hobby and the results that you can achieve even with a modest budget are quite remarkable.

DVD players are a "must have" in any home theater system. You may prefer an all-in-one DVD home theater system. This way, you don't have to unplug your main DVD player from your current home theater system. High definition DVD is growing in popularity, so find out whether it's time to buy HD-DVD or whether you should wait for the next generation. All DVD players also play audio CDs, so you can have a single component do the work of two units.

Speakers are the heart and soul of any sound system. Any audiophile will admit that a good set of speakers is what makes or breaks a quality home theater setup. Good speakers don't have to cost a bundle, though it is easy to spend a lot. Audio/Video Receiver Speakers give you the most flexibility and full range of sound for surround sound home theater and music, as well as stereo audio.

Speakers vary a great deal in performance, as well as price. Good speakers and the components for a home-theater system cost less than ever. Determine what you can spend for speakers and then search out the best possible home theater speaker collection that will fit your spending limits. Wireless surround speakers are now available as well and save the hassle of running all of the wires through your home theater room.

A simple home theater is easy to set up, making home theater systems not just for audiophiles anymore. The future of home theater is going to be simplicity. These systems are becoming increasingly popular and are a great alternative to a night at the cinema.

Forum: Art & Movies

Medical Breakthrough For Burn Injury Victims

ADMIN — Mon, 08 Sep 2008 02:35:26 GMT

By Joseph Devine

It has been commonly accepted in the medical community that a serious result of sudden extreme trauma is insulin resistance, also know as diabetes. Researchers have determined that this is also the case with sever burns. As a result, the healing process is slowed and the body is unable to fully use blood sugar for energy. Muscle tissue is use instead, which breaks down the body over time.

However, doctors have found a new treatment that may be able to fight against the onset of diabetes after severe trauma. Apparently, after a two week treatment with fenofibrate, children who have sustained burns of more than 40% of the body surface area showed significant improvements of the body's glucose uptake, almost to normal levels. These were the findings according to the lead researcher at the University of Texas Medical Branch, Galveston. The on-site trauma center was the primary medical care source after a British Petroleum refinery explosion killed at least 15 workers and injury dozens more.

The researchers also found that trauma, particularly in children, seems to cause problems with fat metabolism, which causes the onset of diabetes. If given a two week fenofibrate treatment, morbidity outcomes improve, healing rates hasten, and there is a decrease amount of time spent in the intensive care unit.

Fenofibrate is traditionally used to lower plasma triglycerides, which in turn would help improve insulin sensitivity. The relationship between fat metabolism and glucose intake is still a bit unknown. But the researchers realized that trauma seriously affects both glucose and fat metabolism, and since their preliminary results showed that by increasing cell mitochondrial fat metabolism with fenofibrate, glucose metabolism would also improve, it seemed like a worthwhile endeavor.

The overall conclusion of the experiment was that "fenofibrate increases whole body glucose uptake in pediatric burn trauma patients, and appears to work by enhancing liver and muscle insulin sensitivity." These findings present far-reaching implications that could potentially extend into areas of medicine outside that of burn injury treatment.

More tests and experiments are already in the works to see what other application fenofibrate might offer to the medical community, especially in the area of burn victim injury recovery. The medical community is doing what it can to help victims of burn injury recover fully from their accidents.

Burn injury accidents are a serious issue in the United States. Everyday someone is affected by a preventable fire accident, or chemical plant accident that is life-altering.

Forum: General Topics

Is homeschooling right for your children?

mathteacher — Sat, 06 Sep 2008 05:43:16 GMT

Is socialization a problem for homeschooled children?

Home schooling is a different way of education for many parents, and is gradually but steadily spreading across the world. People disagree on whether home schooling is advantageous academically, it's true, but far more often the question of social isolation comes up among parents who are thinking of homeschooling their children. The bottom line is that homeschooling is good for some kids and that the factors of social isolation can be overcome.

A common concern voiced about home schooled children is they lack the social interaction with peers that a public school environment provides. Public school educators often worry that the children of such people will not learn necessary social skills. Children are born social beings, and as such need social interaction with their peers, so it's understandable that developing proper social skills is an area of deep concern when it comes to home schooling.

However, reputable studies do not indicate social maladjustment due to home schooling. These studies indicate that there are as many anti-social children in public schools as there are in home schooling. In fact, it appears that very few home-schooling children are socially deprived.

True or real socialization means that children are taught to get along with people of all ages and differences, and that is a value that can be taught at home. Yet it may be the children that benefit even more from the increased socialization that home schooling can provide, since home schoolers actually test higher than any other group of students in terms of socialization.

It is a fact that home schooled students have an equal success factor for doing well in college as their public schooled peers. Parents are responsible to make sure that their children interact with their peers in a variety of ways. But, on the other hand, homeschooled children are protected from the detrimental influences of their peers since they have more parental supervision.

If the parents teach social skills and make sure their child is involved in plenty of activities with their peers, then home schooling can be an advantage. The scores do clearly indicate that home schooled students do very well on tests when compared to their conventionally schooled peers.

Home schooling is perhaps the fastest growing trend in education in this country. It is legal in every state, though some regulate it more than others. Home schooling is good if the factors of social isolation can be overcome through proper peer socialization. It is a great option if you want to have a larger role in your kids' learning.

MathTeacher...............
Lambton

Forum: Education

Real Estate DIY Sellers Guide

ADMIN — Sat, 06 Sep 2008 05:32:32 GMT

Is your property or Business Investment ready for sale?

Now that you have made the decision to sell your property or business investment yourself, you have taken the first step - Congratulations. But remember you only get one chance to make a first impression. By following a few simple steps (regardless of whether you are selling your own real estate or through a Real Estate Agent or Broker) you can market your property or business investment to its best advantage.

First Impressions Count

"Curb appeal" is a term often spoken by agents or brokers to describe the first impression a potential buyer gets when he or she first sees your property or business investment.

Cross over the street and take a good look at your property or business investment. Does it look appealing? Can you do anything that will add appeal? Remember, your objective here is to show your real estate, not to hide it. How do the lawns look? Could the shrubs use a bit of pruning? While we are on the subject, have a look at other aspects of the property or business investment interior. Could the driveway be improved? Are the gutters clean, are there any obvious repairs? What about the roof? Believe it or not, more sales are lost because of first impressions. If it looks doubtful, fix it up before you go to market.

Garages and Storage areas are important

Like "curb appeal", garages and storage areas can make or break a sale. It is easy to overlook this important area. Do you really have to keep all those old bits and pieces of furniture, bikes, tools, etc. You know what we mean here. Clean it out make it look tidy and spacious. Make sure the entire area is broom clean and free of cobwebs and all the lights are in working order. If any area needs painting - paint it. The money you spend initially can make a big difference.

Selling one room or area at a time

Inspect each room or area with an objective eye, going from one room or area to the other. Write down everything that needs repairing, replacement or removal - light switches, broken electrical fixtures, paint, squeaky doors and windows and the overall appearance. Also put everything away in the proper place.

Is it worth keeping?

It is time to get rid of those treasured possessions that you have stored, kept or collected. A few of such treasures on display will add interest value of course, but too many may distract or turn off buyers. "Keep it simple stupid" This is the philosophy of one of the world's largest food chains and it applies here. Another genuine reason to put away treasured things involves security. Most people are honest, but why put possible temptation in the path of those who are not as honest as you. By putting away valuable collections and personal treasures, you reduce the opportunity of things simply disappearing.

Rooms that buyers really scrutinise

Kitchens, bathrooms, wash rooms, offices, should get extra attention here because buyers always give these areas special attention. These are the hubs of all activity of a property or business investment and should be clean and pleasant. Make sure all appliances and equipment are clean and working. Organise your cupboards, drawers, so they are more efficient for your own use and pleasing to a potential buyer. Floors must be kept clean and swept where possible. Bathrooms and toilets should be scrubbed from top to bottom. Replace any broken tiles and discretely place pleasant smelling air fresheners around. You might also purchase a small potted plant to add natural colour.

Overall appearance

Buyers warm to appealing properties or business investments that the owners have taken pride in. It is also better to show off your pride and joy when it is clean and pleasant.

Is it worth all this trouble?

You might be saying by now. Is it all worth the effort? Everything we have discussed here is what a reputable real estate agent or broker would advise you to do and since you a re selling your own property or business, shouldn't you do it and be the one to reap all the benefits for your individual effort.

Market value of your property

Establishing the market value of your property or business investment is most probably the single most important decision you will have to make concerning selling your own property or business investment. If you overprice it, you may not get any genuine "lookers". If you under price it you will only get "bargain hunters" who will make all sorts of unrealistic offers.
It is important therefore to avoid overpricing or under pricing, you must get it right. You must know something about the current market values of your property or business investment.

How to find out your market value

Before establishing what a fair market price is, take the time to realistically consider what you are selling and view it from the eyes of a potential buyer. What are the advantages and disadvantages of your property or business investment compared with others similar to yours? Also find out the asking price of other real estate that is for sale or has sold recently in your neighborhood or business field. Selling prices are the most accurate gauge of current market value. Spend the time and do your homework as this way you will price your property or business investment within the most realistic price range.

Call two or three real estate agents for a comparative market analysis. Tell them you are thinking about selling and would like their opinion of your property or business investment's current market value. They will want to come and inspect your real estate and will either give you an approximate price or will get back to you with a market report. Note of caution - Any real estate agent you call will then do his or her best to get you to list your property or business investment. You should make it clear after they get back to you that you are only considering selling and may in fact market the property or business investment yourself.

Take a drive around your area. Write down addresses, phone up advertisements in the newspaper of properties or business investments with similarities to yours. Contact the real estate agent or broker for the listing prices of any signage you see in your area.

Contact an independent appraiser for help in pin-pointing "fair market value". Beware that hiring a professional will cost you money but his report will cover market conditions, recent sales in your area or field, current land prices and other objective conclusions. Ask your local bank manage to recommend someone or look up the Yellow Pages if you want to use this valuation method.

Set your Asking Price

Once you have formulated all the information together and have a clear idea what similar properties or business investments are being sold for, you are now ready to set your asking price. You must establish firstly what you need or would like to make from the sale. You cannot however use this as your only consideration. The fact that you need so much to pay off your mortgage or put a large cash deposit on another property or business investment can have no bearing on the property or business investment's actual market value (what buyers will pay).

Question - Can you afford to sell right now?

While pondering this important question, you will also need to know how much you will clear in the sale. You don't want to actually sell and find that your net is less than you had planned because you did not take the costs of selling plus other costs into account. Such costs include some or all of the following:

Cost of marketing
outstanding mortgage
repair work needed
solicitor's fees (selling)
stamp duty
searches
other miscellaneous expenses

The actual selling price will also be affected by current market values. Consolidate all of the data you have collected, being honest with yourself to establish the best and worst selling price. You can do this calculation on maximum, fair market and bottom line values - it is up to you. To actually establish that (after all of this) you are priced too high, give your selected price a 30 day trial period. If there is very little interest or activity during this time, you may consider a price reduction. This might just be the thing you need to generate interest and keep your property or business investment in the spotlight, increasing your chances of selling your property or business investment.

Be prepared to sell your property or business investment

The better you prepare for selling the quicker and easier it will be to sell your property or business investment. Nothing kills buyer's interest more than getting misinformation. Remember that buyers have short attention spans. Be knowledgeable and prompt in your answers to their questions. It is a very good idea to give them as much information as you can to take with them. This way, they can review all your information at their leisure which will reinforce their interest in your particular property or business investment.

Street signs are valuable tools

"For sale" signs generate more enquiry than any other form of advertising. You must compete for your buyer's attention. YOU MUST HAVE A STREET SIGN. It needs to be attractive, easy to read and placed in a predominant position on your property or business investment. You can either purchase a ready-made sign or have one made by a professional sign maker. (Check out the Yellow Pages under "Sign Makers") The last choice is generally more expensive but is worth the extra investment and will help your property or business investment to stand out in an overcrowded and competitive marketplace.

If you intend to hold "Open Houses" you will also need signs for these occasions. You should have a minimum of three "Open House" signs. Place one on your property or business investment, one on the corner of your street and one at a major approach to your location.

Listing Description Sheet

This is an absolute must and is the most versatile selling tool you will possess. It is invaluable as a free giveaway and for giving to prospective buyers as they view your property or business investment. It can also be used for direct mailing and as a mail-out sheet. Ideally it will be in A4 size (standard letter writing page size) on regular photocopy type paper, or it can be as elaborate as a professionally designed and printed four colour full gloss brochure or card. If your property or business investment is worth say .. One million dollars plus, you should be prepared to invest more time and money into your Listing Description Sheet. In the age of computers, it is not difficult or expensive to produce or have a friend produce a nice looking professional Listing Description Sheet. If you do not have the capability to generate your won sheets, there are many quick print type shops which can prepare it for you.

General Information Description Sheets

These do not need to be as professional as your Listing Description Sheets but never-the-less are just as important as they provide the basic nuts and bolts information on your property or business investment. You list the same basic information such as :- address, phone number, description (as with your Listing Description Sheet) however, you do not need a photo or sales pitch as this sheet contains your property or business investment's confidential information. As a minimum a well constructed sheet should include:

For a Property

Type of property
property title
suburb/town
city
area
other
asking price
GV valuation
street address
postcode
construction
size of block
zoned
outlook
rates per annum
age (aprox)

For a Business Investment

Asking price
business name
street address
postcode
location & premises
product & service
urnover
net profit
plant value
stock
plant on lease
options
current rental
outgoings
trading hours
staff wages per week

These sheets can be as long as necessary to provide a buyer with an accurate picture of your property or business investment. Not only does it answer all a buyer's possible questions, it helps a buyer to recall important details about your real estate. These sheets will also be a helpful reference when you are talking on the phone to a potential buyer. At the bottom of all sheets you should include a disclaimer saying the information is correct to the best of your ability, but in no way is to be considered a warranty or guarantee that such information is correct (or words to this effect).

Marketing your property

You have now made the big decision to sell your property or business investment. You have your real estate in market shape, prepared the necessary tools. You are now ready for all those buyers. Yes! You are now ready to let potential purchasers know that you are now "Open for Business".

How do we tell the market you are ready for sale?

We must first explain to you the difference between "Marketing" and "Advertising" and how to use them both.

Marketing

Marketing encumbrances using all your skills, contacts and networking opportunities to let the marketplace know that your property or business investment is for sale.

Advertising

Advertising is a way we get a message to the marketplace using advertisements that will catch the eye of potential buyers.

Real Estate Agents and Brokers who are really successful do not rely on advertising alone to sell property or business investments, but use a combination of both marketing and advertising to get maximum exposure. With a little know-how you can also market your property or business investment like the professionals.

Let us show you how - using a Listing Description Sheet

Making your Listing Description Sheet work for you by handing them out to buyers, neighbours, friends and associates. If you think about it, you will find many other ways to use your Listing Description Sheet. The important thing is always to have plenty, keep them handy. You simply never know who might be interested.

Talk up your property or business investment, you will be surprised at how many people will become your selling allies. Your local shopkeeper, hairdresser, mechanic, etc. Many will want to help and will pass on information to someone who just might know someone else who may be interested. Don't be afraid to take opportunities as they present themselves. Always carry a few sheets with you just incase.

The more people who know about your property or business investment the better the chance you will have of selling it.

Advertising your property or business investment

It is important to identify your potential audience to determine which type of publication or media best meets your needs. Your local major newspaper and the internet is usually the most cost effective means of advertising your property or business investment.

Advertising budget

Without a predetermined advertising budget, your advertising cost could easily eat up most or all of any commission savings you might make selling your own property or business investment. You must be careful what you spend on advertising and create a plan to spread the advertising evenly over a period of time anticipated to sell your property or business investment.

As a general rule of thumb, you should spend between 10% and 15% of the commission figure you will be saving.

Where and when to advertise

Your choices can seem totally overwhelming as there are literally hundreds of advertisers out there who will be happy to take your money without much thought to how appropriate their actual publications or media are for your type of property or business investment.

In most cases, your most valuable advertising medium will be your local daily or weekly newspapers. These are the ones with the largest circulation, the ones that while everybody probably complains about them, everybody reads them. If they have a large and active real estate section with ads representing the busiest agents or brokers in your area, you can probably assume that these professionals know where it pays to advertise. Smaller local suburban papers can also be valuable. They are not only less expensive they can also draw a large audience. Again, you must determine the circulation, size of real estate section, etc.

Using the internet

This medium is today, is here now, and things are selling on it. All real estate agents and brokers have their own internet sites and also put listings on to separate commercial sites simply because it achieves incredible exposure for them with a potential audience throughout Australia for over 20 million people and with a global worldwide exposure. This advertising tool is inexpensive and the most cost effective advertising tool available.

By listing with a service provider, you do not need to be an expert in web design, coding, search engine, etc. to get the buyers to visit your site. After all, you would not be reading this if the internet did not work - would you!

Showing your property or business investment

So you have never sold anything before. By using these simple to learn techniques, we will show you how to professionally present your property or business investment. Your absolute biggest advantage is that you really know what you are trying to sell. No one else not even the professionals can know more about your own real estate than you do.

The art of selling

Selling when you think about it constructively is no different to any other person to person contact. The rules are always the same. Be honest, be interested in the other party, be enthusiastic, but most of all be prepared to listen. At first you will be understandably nervous, but after a few conversations and inspections you will relax and confidence will grow with each showing.

If you have to sell due to whatever reason, try not to let the buyer know - Never appear desperate. Be honest but brief "We are going through a divorce settlement" - "It is too big for us now" should stop further undesirable questioning. You must always keep control of the situation but don't be pushy. Show your prospect the same respect and consideration you would expect. A hard-sell approach will kill more interest than it creates.

Handling questions and phone calls

You could start getting phone calls almost as soon as you put a sign up or your advertisement hits the newspaper. Thank them for calling, introduce yourself and ask for his or her name. This approach, although hard at first, brings the anonymous caller to a level of a personal exchange. Some callers will not give their names but most will respond pleasantly to your answer "Thank you for calling, I'm Bill Smith, what is your name and can I have your phone number?" The caller will then ask for specific or general information. Respond clearly and concisely but remember to be brief and pleasant.

When would you like to see it?

Sounds simple enough doesn't it. But many people have trouble stating the obvious, entering into long conversations without ever getting to the point of the call. By asking this question early, you can save time for both of you plus you generate a response.

You will be surprised how easy it is to get them committed to an inspection time by offering them a choice. "I can show you the property (or business investment) anytime. Which time works best for you?"

Once you have set a date and time, don't forget to ask them for their phone number and address in case you have to cancel or reschedule any inspection. What you are really doing here is gaining a little more information about them.

Occasionally the caller will not commit saying they want to think about it and will get back to you. This usually means he or she is mentally weighing up your property or business investment against others he has already seen. This puts your property or business investment at a big disadvantage so try to neutralize this situation by offering to mail or e-mail them a listing description sheet. Buyers will normally welcome this offer and it will at least give you a foot in the door so to speak, but if the party still hesitates "Forget it" as in all possibility they are not serious buyers.

The countdown before showing your property or business investment

A few hours before you expect to show your real estate, go through the property or business investment from to bottom and don't forget the outside. Put your listing description sheets and other selling tools within easy reach so you can give any interested party a coy to take with them when they leave.

A good idea if you a re a bit nervous is to do a mock tour through your property or business investment. This will help you firstly to get wheat you are going to say right and secondly will mentally prepare you for the countdown.

A brief word about pets - Although we all love them, they might just scare the potential buyer off (some people do not like dogs or cats). They may distract the potential buyer to a degree where they stop paying attention to the property or business investment and focus totally on old adorable Rover to Puss. Obviously this is not a desirable outcome, so keep them out of sight and under control.

Inspection techniques used by the professionals

Basically this involves some simple extra little touches that, while not necessary, will make your property or business investment more inviting by utilizing some very basic a simple steps.

Inspection techniques check list

Flowers are always a nice touch and adds class.
Turn on pleasantly soft background music.
During the colder weather, keep the house warm.
Have something in the oven cooking makes the home smell inviting.
Keep windows and blinds open for maximum brightness.
Turn on all interior lights.
Have all your selling tools neatly arranged in a convenient location so you can get them.
Caution - Do not serve refreshments.
This is a business meeting not a social event.
Put your best towels in the bathroom.
Putting nice smelling scent in each room is a good touch.
Any other little tricks you may think of to enhance your property.

Welcoming buyers

Greet prospective buyers warmly. Give them a copy of your Listing Description Sheet and let them know that they are welcome to ask any questions and have whatever literature they would like to take with them when they leave.

The actual tour

Don't let buyers wander through your property or business investment always escort them, remember these people are strangers to you.

A good salesman will always be prepared to listen

Good listening skills cannot be over-stressed here. By listening to what they are saying, you can better understand their particular concerns and objections. Don't worry about objections because this means a buyer is trying to visualize themselves in your property or business investment. It's your job to show them how this can happen. Agree with them and help solve their objectives by making suggestions. Do not get defensive.

Another major mistake is overselling. Don't get sentimental as this will only serve to make the buyers feel mildly guilty for their intrusion into your personal life. They begin to see the property or business investment as "yours" with no possibility of it ever becoming "theirs".

Lookers versus buyers (or sellers beware)

You will meet all sorts of people when you are selling your property or business investment. Most will be sincere however, there are a few types out there who give others a bad name.
Some are just lookers with apparently nothing better to do than spend time touring other people's houses. The thief can usually be defined as anyone that takes a whirlwind run through he property or business investment, asks few if any questions and seems suspicious in general. If you have nay doubt, discretely record his license plate number, make and model of the car they are driving just in case. Sounds too good to be true (it most probably is) Another type of buyer who can waste a lot of your valuable time is the one who keeps telling you how much money they have, all the properties they own. You know the type. Don't rule out this buyer entirely, just be a little cautions as usually if it sounds too good to be true, then it usually is.

Your obligations of Disclosure

You are legally and morally obliged to tell all you know about your property or business investment good and bad. If you know for example, your fence is on the neighbour's side and you don't tell them, you could be held responsible later on. Yes, you may lose some buyers but honesty is always the best policy when selling your own real estate.

Inspection summary

Also make sure you answer any questions put to you. Ask them if they have any further questions. Thank them for coming. Encourage them to call again at any time with any questions they may have. Se them off the property and wave goodbye.

Follow up all buyers

If you have followed all the rules, you will have their name, address and phone number. A follow-up call (say a week later) will either help your to eliminate them as potential buyers or create further interest. Be brief, polite and to the point. "Hello, this is Bill Smith, we met last week when I showed you my property (or business investment) at.......I'm calling to see if you have had a chance to consider my property (or business investment) and if you have any further questions.

If their response is "Yes", great.
If their response is "We are no longer interested", wish them luck and say goodbye.

You will at the very least know where you stand with these buyers. It costs you nothing but a phone call and you might be surprised by the results of your follow-up call that will help you make decisions later on such as:

Is the price too high?
What else you can do to present your property (or business investment) differently?

Remember all information is a valuable marketing tool that will help you sell you real estate.

What if a Real Estate agent or broker calls?

Expect to hear from local real estate agents or brokers as soon as you put your "For Sale" sign up or run an advertisement. This is because a high percentage of sellers who try to sell their own property or business investment end up turning the task over to a real estate agent or broker because they become discouraged or because they were not properly prepared to market their own property or business investment efficiently and correctly. This publication exists to help sellers like you around both scenarios.

Handling an agent's phone calls

Persistent agents will phone up religiously checking your progress week by week and less frequently throughout the entire selling period. Don't be discourteous. This type of agent is definitely worth considering should you decide to use an agent in the future.

Be polite but firm when thanking them for their call and re-enforcing the fact that you intend to sell your own property. Don't get sucked in by the old saying "I have buyers waiting".

What if you decide to use an agent as well?

If you decide to use an agent or broker as well, that is your choice, but tell the real estate agent or broker that they may show your property or business investment without a listing authority agreement and that if he/she sells to a buyer, you will be happy to pay X% commission. Explain that you will consider offers but never disclose your bottom line.

Seller's agent, buyer's agent, dual agent, and yourself

There is always confusion over just who the agent represents. To clarify this situation we list the various types.

Seller's agent

This is the most common and is where the agent works for the seller and gets paid by the seller.

Buyer's agent

This is relatively new on the real estate horizon, but who represents whom? In theory they still get paid as a real estate agent or broker a parentage X% commission and yes, also get paid to represent the buyer who pays an up-front fee for their services. Because the buyer pays an up-front fee, guess whose interest they really have at heart.

Dual agent

Is this a joke or what? How can one agent represent the buyer and the seller at the same time? How can this type of agent fulfill his responsibility to both parties without favouring one or the other?

The absolute best agent is - You.

No one will or can represent your interests better than yourself. Who knows your property or business investment better than you? Who understands all the features and reasoning behind your selling rice and or bottom line price? We don't have to tell you who - its You. In most cases even if you do ultimately use an agent, you will still do most of the selling anyway so why not do it yourself in the first place and save.

When do you get your Solicitor Involved?

Do it yourself is great and has got us this far. But this does not apply to the complicated legal aspects of selling your own property or business transaction.

Know when to ask for help

Even the most competent real estate agents or business brokers cannot possibly keep up with all the laws and changes that occur, and because real estate laws vary from state to state, you should consult a solicitor as soon as you have decided to sell your real estate yourself.

What to ask your Solicitor

Tell your solicitor exactly what you are doing and how you intend to do it. Ask his advice.
The solicitor should explain exactly what to expect from hi and exactly what services he will be providing for his fee.
Once you reach an agreement with a buyer, your solicitor now becomes the key player in your transaction. He will draw up a formal Purchase Agreement, handle deposit money in their trust account, manage all the legal aspects associated with the sale.
As soon as you accept an offer, you should get the name, address and phone number of the buyer's solicitor. From this point on all communication regarding the sale will be done by solicitors.
If a purchaser pays you a deposit, pass it on directly to your solicitor. It is generally accepted that your solicitor, rather than the buyer's solicitor controls the deposit monies. (In the event that any problem does arise).
Your solicitor continues to represent you right through to settlement. Million dollar deals have been known to fall apart just before settlement over something really trivial. You are paying good money to have your solicitor represent your legal best int4rests, so resist any temptation to turn into sudden shifts of direction that your solicitor is not aware of. After all your solicitor is on your side.

Negotiating the price of your property or business investment

Negotiating the price is something a real estate agent or broker would have you believe is a mystical ritual that only professionals can master and control. Don't be fooled, the agent is no more qualified than you are to intelligently weigh up offers and present counter-offers. Common sense, understanding your market and what you have to sell is the only qualification you need.

Price objections and how to handle them

As a general rule the closer a prospective buyer comes to making an offer, the more objections they raise. When a buyer makes a verbal offer you then have a starting point for discussion. If they are offering you a lesser amount because of this and that, they may be objecting to your asking price over things that can be easily and inexpensively repaired. You can say you will fix them. While this is a very simple helpful scenario, most transactions are not so straight forward. Most price objections come with contingencies and conditions. Only you can decide how much you will do or negotiate to get the sale. Just remember, when a prospective purchaser starts negotiating, he is committed and ready to purchase for a price, so price objections are in fact a telling sign that your are getting close to a sale.

Negotiating the offer

Say your asking price is $200,000 and the buyer offers $170,000, you must compare the offer with your bottom line that you have established. If it is say $180,000 then you know you can not accept the original offer. You may then counter-offer with $190,000. If the buyer then splits the difference between their offer and your counter-offer, they will come back at $180,000 which is your acceptable bottom line. If you are not sure what to do or say here, then do not commit yourself. Tell the buyer you will take their offer under consideration and get back to them very shortly. Give yourself time to think it all through or seek advice.

Cash is king

Simple put, if you have buyer who makes a reasonable cash offer, this might be worth considering at a price as if you agree you have virtually sold your property or business investment.

The actual Sales Contract

Your solicitor will draw up the actual Sales Contract or Purchase and Sale Agreement. This document contains all the legal aspects of the real estate transaction such as trials, warranties, conditions and representations. Generally your solicitor draws up the Contract and sends it to the buyer's solicitor to be signed by the buyer before being presented to you (the seller) for your signature. To assist your solicitor to prepare a Contract of Sale, basic elements of the sale should be supplied such as:

Date of agreement
name of seller
address of seller
contact phone number
name of buyer
address of buyer
contact phone numbers
seller's solicitor
seller's solicitor's phone number
buyer's solicitor
buyer's solicitor's phone number
description of what is being sold
address of same
purchase price agreed to
what is included in sale
deposit to be paid
who holds deposit
all other general conditions agreed to
timetable of agreement
inspections (if any)
special conditions (subject to finance, etc)
signatures to agreement made.

Ideally you should write out two copies of this information - one for each solicitor.

How long does it all take?

The buyer generally determines the overall timeframe of the Contract. This does not mean you are at their mercy in terms of completing the sale as rapidly as possible, you always have the option of accepting their timeframe or not.

It is now time for Settlement

Settlement is the final meeting between the buyer and seller. Simply put, after all the paperwork is signed, the buyer gets the property and the seller gets the money. Your solicitor will advise you of the settlement date, time and location. We recommend that you bring your entire property sale folder with you just in case. It is important to understand that you are paying your solicitor good money for his professional services so you should let him do his job. Most sales go through smoothly but some can fall apart at the very last minute unexpectedly. But take heart, most issues can be resolved but it is important for you to let your solicitor handle things.

Thank goodness most settlements are relatively uneventful. Once everybody has signed loads of paperwork and documents, the cheques (money) are distributed and everyone walks away happy.

All that remains is to deposit your cheque with the satisfaction of knowing that you did it yourself . You also saved thousands upon thousands of dollars in commission because you did it.

Congratulations.

Hunter Realty.com.au
http://www.hunterrealty.com.au

Forum: Real Estate

Real Estate DIY Buyers Guide

ADMIN — Sat, 06 Sep 2008 05:27:44 GMT

Buying Real Estate

Buying real estate privately can be very exciting and scary at the same time. Most of the time buyers will experience a full range of emotions as they go through the buying process. This is a completely normal reaction.

Getting started

Before you begin the process of buying a property or real estate you need to consider the following.

Determine your Buying objectives. Why do you want to buy real estate in the first place? Need more room? Downsizing? Tired of paying a monthly rent for nothing in return?

Determine your Needs. Prioritise what is most important to you. Style, size, cost, location etc. Keep in mind there is a difference between what you need and what you want so be realistic.

Become informed. If you're a first-time buyer, learn everything you can about the buying process. These series of information sections will help. Research the market by searching the internet to see what real estate is being sold in the areas you desire. As well as looking at classified ads and real estate for sale magazines and maybe even driving around neighborhoods you're interested in. After that you should have a good feel for what's available.

Knowing what you can afford

Congratulations on making the decision of buying real estate privately. The first thing you need to decide is how much you can afford. Determining this early in the buying process will save you a lot of time and frustration. Not only will you have a clearer idea of the amount you can spend, but you can also eliminate all that relates to that is not in your price range. You may even find that being pre-approved opens the doors to real estate you had't considered before.

Five Steps for real estate financing

Credit Report - Contact a credit bureau and get a credit report on yourself, just to make sure your report is accurate. If you do't like what you see, it's time to try to clean up any problem items or clear up any mistakes.
Save money - Skip a vacation, movie or dinner out to save for a deposit. Try not to buy anything on credit and if you do, pay it off quickly. Try to avoid taking on another large credit expense or even applying for another credit card.
Get pre-approved for a mortgage - It pays to get pre-approval for a mortgage early in the process. Some think pre-qualifying for a loan is enough, but it's now. Pre-approval give you more power when you've found that perfect purchase.
Buying power - Lets you know in advance how much you can afford to spend on real estate.
More Control - You have the negotiating power of a cash" buyer when you can prove that you have financing in place.

What's the difference between pre-qualification and pre-approval?

Pre-qualification is a "guesstimate" of what a buyer might qualify for prior to actually submitting a mortgage application. Based on the unverified financial information you provide, the lender uses a quick calculation to arrive at a loan amount. Pre-approval means that the lender has verified your financial information and has actually committed money in your name for a specific loan type and amount. With today's technology you can receive loan pre-approval in 48 hours.

Getting a loan

By now you should be well into your real estate search. If you have't already been pre-approved for a loan, now is the time. Pre-approval lets you know in advance how much you can afford to spend, gives you more negotiating power because you have financing in place and can save you money by locking in an interest rate early in the buying process.

What type of loan is right for you
When choosing a mortgage find out about :-
The deposit that is required. Both the interest rate and the annual percentage rate. Standard purchasing costs (and any extra fees the lender may charge and why).

There are many different types of loans available.
Should you sell your real estate first before buying a new one or buy first and then sell?

Interest Only

Most people need the equity in their current real estate to purchase a new one. But what if you sell first and do't have anywhere to go? An Interest Only loan may be an option. The loan is a temporary loan that you obtain from your lender until the permanent one can be put in place. Once the primary mortgage is in place, the Interest only loan is paid off and closed.
But understand that while waiting for a settlement on your existing real estate, you will be making two mortgage payments. You will owe your present mortgage payment plus the payment on the Interest only loan. Be certain you can afford it.

Conventional Mortgage

A conventional mortgage offers a fixed rate. They typically come in 10, 15 or 30 year loans. Although conventional loans used to require 20%down, most people today put 10% down (68% of buyers today put less than 20% down). Just keep in mind, if you put les than 20% down, you will be asked to carry private mortgage insurance. If you're a first-time real estate buyer, there are many low down payment loans available that ask for 3 - 10% down.

Adjustable Rate Mortgage

Adjustable rate mortgages carry an interest rate that changes to keep pace with current market rates. This is a good idea for buyers planning to stay in their real estate for a short time only. If you plan to stay in the home for an extended period of time, you are better off locking in a fixed rate with a conventional loan.

Searching for private real estate

OK - this is where the fun begins. Actually looking at real estate for sale.
If you choose to buy a property directly from a "For sale by Owner" real estate seller, the home seller may reduce the price the 2-3% which would have been paid to a buyer's agent.

It is a very good idea to protect yourself with a solicitor now. Choose your solicitor before you start shopping for private real estate because it's too late for legal advice after you hae already signed a Contract.

Beginning your Private Real Estate search

Become familiar with the area where you are considering buying in order to determine if it meets your needs (eg. near a park, shopping, public transport, etc.) Drive around. Attend open houses. Talk to friends and colleagues. You may want to select two or three neighborhoods to broaden your options. It may also be helpful to take photos of each of the homes you are interested in. Make personal notes on the back. This will help you stay organized and remember what you have seen.

You may also want to create a profile of the real estate you are looking for in your next private real estate purchase.

Goals - Why are you buying real estate privately?
Features - What you need versus what you want.
Location- Is it close to work, in a particular location or district, near shopping, etc?
Style - What type of real estate fits your needs, lifestyle, taste and business needs?
Block - What is the size? What does it feature (large block, fenced, etc.)
General Condition - Is it in good shape?
Neighbours - Try to get an idea of what kind of neighbours you will have.

Where to find private real estate

Yard signs

Hit the suburbs and drive around neighborhoods that interest you.

Classifieds Ads and Home Magazines

Start reviewing your local newspaper.

Internet

More than 80% of home buyers today begin their home search on the internet. Chances are the real estate companies in your community post their real estate on their own website or on Australia-wide real estate sites . To find For Sale by Owner properties for sale in your area search online using key search terms for Real Estate for Sale, For Sale By Owner, FSBO, By Owner, Private Sale, Real estate for sale by owner etc.

Open Inspections

Check out the local newspaper and local real estate websites to identify pre open houses and business inspections you would like to attend.

Making an offer

Congratulations! You have found the private real estate of your dreams. Before you make a formal offer, you need to make sure the home is priced correctly. You do't want to overpay. Typically used when selling real estate, check out recent sale information of nearby real estate sales, including how long each stayed on the market, how close the asking price was to the actual sales price, etc. Then compare the information regarding these sales with the property in question. As you go through this buying process, remember that everything is negotiable and everything should be in writing. You should be very specific when you prepare your purchase offer and the seller should be equally specific when they issue their counter offer. Do't forget to think ahead in terms of the top price you are willing to pay. It's a very emotional time and making some decisions early on is a good idea.

Other tips include - Do't make a verbal offer. Do't offer full price unless the home is a real steal. You need room to negotiate. Include home inspections. Maker sure you have an "out" written into the Contract if the inspection turns up major repair problems that cannot be resolved with the seller. Make sure the Contract includes an "out" in the event you cannot secure financing. If you are not using an agent, make sure you consult with a solicitor as you are entering into a legally binding contractual agreement. So be careful

Deposit money proves to real estate sellers that you are serious. After all, they are going to take their real estate off the market on your behalf. Deposit money is typically between 5% - 10% of the purchase price but less is possible. The money should be held by a solicitor. Never give the money directly to the real estate seller. Such a deposit does not mean you are bound to the Contract. Your full deposit is credited towards the down payment and settlement costs.

Once your offer is accepted, it becomes a binding Contract so be sure to include the necessary contingencies. Contingencies are clauses that, if not met, will render the Contract null and void. Common contingencies are the sale being subject to approved finance, the sale of an existing real estate and/or a satisfactory real estate inspection.

Real estate inspections

You have made your offer. Now you need to have an expert verify "What you see is what you are buying". A formal inspection determines if anything needs to be repaired or replaced. If you are on your own, make sure the Contract indicates who pays for the inspection and whether you or the seller is responsible for any necessary work. The Contract should also include a contingency in case the inspection reveals any repairs that cannot be resolved with the seller.

The inspectors will inspect all your real estate property to determine what, if anything, needs repairing or replacing. Typical inspections may include:

Termites - Signs of termites in the real estate or foundations
Plumbing - Checks for leaks, dripping taps, toilet tank leaks, etc.
Electrical - Up to code? Checks that all light switches and wall sockets are working properly.
Exterior - Settling cracks, paint peeling.
Interior - Signs of leaks in walls or ceilings, structure and general condition.
The Roof - Checks for leaks or damage
Windows - Good condition and sealed
Insulation - Is up to standard
Appliances - Checks that they work along with heating and air conditioning units.
Asbestos - Homes built in the early 1970's and before often had asbestos tile floors and asbestos ceiling tiles. This substance poses a health risk and must be removed.

The real estate inspector will write up an inspection report with all minor and major defects itemized. Good inspectors will find minor flaws in nearly any real estate. It is up to you to decide how important they are. It is also helpful to be present during the inspection. Inspectors often provide you with tips on the maintenance and upkeep of the real estate

Now that the inspection is done, it's time to move into the purchasing phase.
Some people can get confused about this area of the real estate transaction but with a little knowledge and guidance, it is easy to understand. We will break down the basics for you.

Solicitor's/Conveyancing

When you buy real estate, a solicitor examines the title (previous owners) to ensure that there are no problems with obtaining clear title to the property. Parties other than the current owner of the private real estate may have rights to it for things such as mortgages, liens due to unpaid debts, lien claims to hose who the owner owes money, etc. As a new owner, you may know nothing about these risks, but you are still vulnerable to such claims on your property. A deed is not sufficient protection.

Real Estate Appraisal

Monetary lenders require appraisals to confirm that the real estate for which they are providing you a loan is in fact worth the amount you are paying. Appraisers are independent agents normally hired by the mortgage lender however, you may have a choice. The fees appraisers charge vary and are typically built into your loan costs. You may also require a Location Survey that certifies the house is within the boundaries of the Block. The mortgage lender often selects the surveyor but again, you may have a choice. The mortgage lender usually pays for the cost of an appraisal, then it is factored into the buyer's costs.

Private Owner's Insurance

If you are not transferring the seller's real estate insurance policy, you will need to buy your own. The Title will not be transferred until you can prove you have the real estate covered by insurance. This protects you for things such as fire, flood, or any other damage to the real estate. You may also consider additional levels of insurance to cover natural disasters that are more prevalent in your area.

Making the purchase

Congratulations! Your are only a few steps away from being in your privately purchased real estate. You have purchased real estate but you do't actually own it yet. You need to settle on it. This is known as "Settling on settlement". The solicitor conducts the settlement. Their job is to ensure the buyer obtains a clean title, the lender obtains a good mortgage, tht he costs of the transaction are paid, that the seller's mortgage is paid off and that the seller received their proceeds. The solicitor prepares a closing statement that outlines what the required funds are. Who is paying and where the funds are going. They will not disburse funds until they can guarantee that the above noted items have been taken care of.
To find a Solicitor or other Professional service Click here

Odds and ends

Water, gas and electric meters will be read on the day of closing and the seller will owe for the utility usage up until that day.

Service Contracts

If you are taking over any service contracts from the real estate seller, you will owe the seller for the unused portion of those contracts that have been pre-paid. These could include pest control, pool and/or lawn services, home maintenance contracts, etc.

The Cheque

The solicitor you are using will tell you how much you need to bring to Settlement. Personal cheques are not accepted so bring a Bank Cheque.

Real Estate Contents Insurance

It is highly recommended that you purchase contents insurance. This will cover the repair or replacement costs in case items such as appliances break down after you purchase the real estate. The peace of mind is worth the expense.

Hunter Realty
http://www.hunterrealty.com.au

Forum: Real Estate

Dog Training

sospets — Sat, 06 Sep 2008 01:40:46 GMT

Teaching your dog to Sit and Fetch

Dog training is a must for all dogs. Dog training is more than just telling your dog to stop doing what he's doing, it is the process of teaching a dog to exhibit certain desired dog behavior in specific circumstances. Proper dog training is not a "quick fix" - it is an ongoing, life-long process. Behavior dog training is very important in today's society because many people take their dogs every where they go.

All dog training is not created equal. Positive dog training is quickly becoming the preferred method of dog training. This method of training is possible for just about every young dog.

Dog training is more than just training your dog, it involves teaching the owner you. Going through dog training is something every dog owner should do. Dog training is like going to school all over again. Training is all about communication, and you need to learn to communicate with your dog. I once was told that 90% of dog training is teaching the owners.

One of the basic obedience training points relevant in this regard is teaching your dog to sit on command. Training your dog to "sit" is probably the first thing you will train your dog to do. To start the training: say (sit) while gently pressing her rump down and holding a treat above your dog's head. When a dog is forced to look upward, he will automatically sit on his hind legs.

When you want your dog to sit, hold a treat a bit above her head and say "sit". As the dog sits, say "sit" again and then immediately give him the treat. Your dog should drop into a 'sit' position in order to reach the food.

One of my favorite commands to teach my dogs is "Fetch". Teaching your dog to fetch promotes bonding and is a great way to give your dog some exercise. To do this, first throw a ball (not too far though), and give the command "Fetch". As he inevitably starts to run towards it, yell Fetch again. Instead of a ball, you could use the object your dog loves most, as this makes him want to fetch it. Do not play fetch with heavy items or sticks, however, as this can damage the dog's teeth or otherwise injure the dog.

A well trained dog should remain where his or her owner commands, so stay is an important command in dog training as well. Since it is more involved, that will be the subject of another article.

The most basic of dog training is to get your dog to sit, stay and fetch. As I said before, proper dog training is not a "quick fix": it is an ongoing, life-long process. Dog training is a very physical activity, so be prepared to be tired. And dog training is never without risk of injury, either, especially with more aggressive breeds.

That said, dog training is certainly a must for all dogs. One major mistake many pet owners make is to assume that the dog training is over. Training your dog continues throughout your dog's life. It's all about communication.

Dog training is definitely not rocket science and is easier than you would

SOSPETS
Newcastle NSW

Forum: All About Pets