Invest In Penny Stocks – How To Buy Penny Stocks Online?

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Ask any investor what a stock trading under $ 5 is and they will tell you it is a penny stock, microcap stock, or nano stock. These three terms are for the most part interchangeable. However the broader definition of a penny stock reflects to a business's aggregate value of its outstanding common shares, are more commonly known as its market capitalization rather than its stock price. However there is no set term that completely defines a penny stock.

To calculate the market capitalization of a company (the market cap) you must multiply the stock price of the company by the amount of shares that are outstanding. By carrying out this calculation you can find out what the total dollar value of all shares in the company are at any given moment in time. Penny stocks are not traded on a stock exchange like other stocks but they are traded in the over-the-counter (OTC) market. For the trading of most stock an agent will act on the investors behalf and arrange a transaction directly between the investor and a third party. The broker then receives a commission for facilitating the trade.

A large proportion of all penny transactions are charged by brokers as principal transactions. This means that the broker is not paid any commission but rather makes its money on the spread, and by buying and selling at advantageous times. There is no single price at which penny stocks are bought and sold, but rather there are a number of different prices. The difference between the bid and ask price is known as the spread. The spread of many penny stocks are usually around 25-33% but can often be 50-100% or even more. There are also always two bid and two ask prices, these are known as the inside and outside bid and ask. Keep in mind that it is the outside bid and ask that is of most interest generally. Penny stocks are also subject to mark up pricing. This is where a broker has held the penny stock in its account and has therefore taken some of the risk associated with market price fluctuation.

Although penny stocks are quite complicated and there are many problems associated with trading penny stocks as well as millions of dollars of loss, many companies still trade in them because they can help for example, struggling companies just starting up. The best way of finding a good investment is by consulting with your broker. However in the penny stock market be very wary of brokers who are only trying to sell and may not have your best interests in mind.

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Source by Mike Singh

Finance, Lifestyle And Benefits Of A Finance Calculator

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Life style is now a debatable topic for everyone. When lifestyle comes to our mind we get straight. It is true that lifestyle and finance are co-related to each other. You can not maintain a good lifestyle if you have poor income resources. So it is clear that finance and lifestyle need to co-exist in some form. Lifestyle deals with buying the latest fashionable accessories and gadgets or any home appliances. So money is the key word for you so that you will deserve to such kind of lifestyle. If you do not have enough money to maintain lifestyle, then you need not to spend the money.

The ideal lifestyle should be in form of financial stability. Make sure your financial status is good then go for maintaining lifestyle. It will be foolish to dreaming lifestyle if you have not capacity maintain it. So that it will make you bankrupt. Do not go through the artificial magazine flash, they will make debarred from your society. As there is a proverb "cut according to your cloth" is really true. Give focused to your financial strength. Make sure that which life style will suit with you then you will go for investment.

Every body wants to maintain lifestyle as they saw their neighbor's lifestyle. It is the mistake that the common people think that they are sufficient money. But the concept is absolutely wrong. As to show their status symbol they are spending money with out any hesitation. The Gandhian principle is actually to follow by every one. Finance is the first thing you need to consider when you go for a certain lifestyle.

Benefits Of A Finance Calculator: You will often find pundits or gurus are using a finance calculator while they determine your mortgage or home loan payments of your personal finance. Many people do not understand of finance calculator and their functions. As the software technology develops, many people are unknown to these products. But there is sufficient information on internet that you can get more details. This is not because they are too complex to understand, but because people simply do not see their relevance. Even the salesman tries to persuade about the finance calculator with all sorts of hype, still you unaware to try the demo. If it is something new and foreign, we need to treat it carefully.

A finance calculator is a small computer device that can perform a variety of specific finance calculations. The main purpose of a finance calculator is that you can use it for long term calculations of your budget or your home loan or car loan or any classroom calculation. This financial calculator is designed with some finical variable to analyze the complex financial equations. It is much better than a simple calculator. You can calculate and analyze your own personal budget. Finance calculator is only for you to account your daily financial analysis.

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Source by George Wood

Street One Damen Bermuda 371397 Crissi, Türkis (Sunny Aqua 11345), W38 (Herstellergröße: 38)

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Casual Fit Denim in stylischer Vintage Waschung mit Beinen in Bermuda Länge, 5-Pockets Style, niedriger Leibhöhe, schimmerndem Verschluss und Zierknöpfen: das Modell Crissi von Street One . Die bequem geschnittene Casual Fit Hose überzeugt mit stylischer Vintage Waschung und niedriger Leibhöhe. In Bermuda Länge werden die Beine perfekt in Szene gesetzt und das angenehme Baumwollmaterial macht die Hose endgültig zum perfekten, sommerlichen Begleiter. Der schimmernde Verschluss und die kleinen Zierknöpfe setzen stilvolle Highlights auf der tollen Farbauswahl. Für den guten Sitz sorgt der Stretchanteil und der klassische 5-Pocket Style rundet die coole Hose ab. Mit der modisch-schlichten Ausstrahlung wird die Denim schnell zum Lieblings Kombinationspartner.

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Im 5-Pockets Style
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Innenbeinlänge 27cm, Leibhöhe 20cm, Saumweite 22cm
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Independent Travelers – The Surprises of Heidelberg, Germany

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Two independent travelers with an inspired itinerary were on a road trip from Munich to Alsace, France and selected the university town of Heidelberg as a stopping point to keep their drive time reasonable.

Road Trip Basics

We begin planning our road trips well in advance of the actual journey and strongly recommend using the free app from Michelin (viamichelin). Getting familiar with the tool beforehand gives you the confidence to use it during your road trip. Check it out to learn more.

The drive was uneventful and a little longer than expected due to road construction but we try to leave a little slack in our plans … less stress, the slow travel way.

Our hotel research was also done well in advance, since this was our first visit to a new region of Germany. The selection process came down to location and promotion to the "Old Town District", The Neckar River and the famous "Old Bridge" and, of course, the Castle. Using "Trip Advisor" to scan the options we selected the "Hotel Hollaender Hof" and booked directly with the hotel. We requested a room with a nice river view and on a high floor … the booking was confirmed.

Surprise One – The Perfect View – Corner Room Overlooking the Bridge

When we are close to our departure date we do some pre-trip research and usually check the events calendar of the local tourist boards. We noticed that on the date of our visit, purely by chance, there was a special celebration known as "The Illumination of Heidelberg Castle" which has a spectacular fireworks display … located right on the Old Bridge … right out our hotel room windows! If you can, try to book room 340.

The hotel is positioned on the river and we expected that the parking may become a challenge but to our surprise there was more than ample parking disbursed through the town.

Surprise Two – Fine Dining on a Small Side Street

After checking in and getting oriented we started to look for restaurants for our first night in Heidelberg. We checked out "Yelp" and it suggested a few places close by, but we were hungry and the hotel had good reviews so we went downstairs and found a table on the outside terrace. The menu considered of "typical" German fare which we have been eating since we arrived in Munich and we looked at each other … and since the service was very slow, with no drink order taken, we shrugged our shoulders and literally snuck out of the terrace with a little mischievous grin on our collective faces. "Hey, did not you find a great place on Yelp and it was nearby too?"

The "Oskar Restaurant" was located on the side street next to the hotel and it became surprise number two. It was wonderful. The seating outside on a very warm night was peaceful and romantic.

Their menu was upscale, extensive and definitely unique … we started, of course, with an excellent dry German Riesling wine, followed by warm bread with a tasty herb spread, and a tiny cup of cold logo soup. Then onto the more serious trips of beef carpaccio, a grilled octopus salad, and for the main course we split a beautifully prepared skin-on fried sea bream served on a bed of leek risotto with lemon sauce. Dessert was a biscotti and sherry for a nightcap!

As a side note, many people are related to order German white wine after having it stateside because it is usually sweet. We found the German wines to be consistently excellent and to avoid the sweet offerings simply ask for a "Trocken" (dry) wine in a modest price range and you will be surprised.

Surprise Three – The Heidelberg Castle

The main tourist attraction in Heidelberg is their famous Castle and that was the target on our second day in town. We headed out to the tram and enjoyed a brief but very scenic ride up the mountain to the first stop, the Castle. It is possible to continue the tram ride to the top of the mountain if you were so inclined (no pun intended).

The Castle Ruins

The Heidelberg Castle is actually the famous ruin of the original structures dating back to 1214. Over the centuries it was expanded, destroyed by lighting, rebuilt, and damaged by wars and more fires and rebuilt again. The present structures were once again destroyed by a lightning bolt in 1764 but fortunately they are regarded as a German landmark and are now being preserved.

A visit to the Castle really reads a dedicated four hour visit (a morning or an afternoon) and is greatly enhanced by a guided tour which is the only way you can see the interior of the castle.

Second alternative is renting self-touring headsets and paying a nominal fee for admission to the Castle Courtyard which enables you to check out the alcoholic oak wine barrel (holding 58,100 gallons of wine), and also tour the Pharmacy Museum … all at your own pace and schedule … the slow travel independent approach.

You can also simply walk along the outside of the castle and explore the grounds with their beautiful gardens and take in views of the city … all for free.

Surprise Four – The Charming Village and lots of Interesting Shopping

The tram back to the village deposited us right in the middle of the "Old Town District's" charming cobblestone streets and their amazing assortment of shops. The options were vast and the surprise was just how many excellent shops as well as how many blocks were in the "Old Town". We only spent a few hours here and that was just not enough.

Surprise Five – The Pre-Fireworks Dining Experience and the Extraordinary Fireworks

The ships in the Neckar River began amassing at midday and the crowds started to build all afternoon until becoming massive at sunset … tens of thousands of people on both sides of the river in a festive and happy mood … after all it IS a celebration!

Great Dinner the Second Night

With the aid of a German "Open Table" app, we booked our dinner at the "Wirtshaus Zum Nepomuk" which had outdoor seating and was right next to the hotel. Our plan was to eat reliably early and get back to our room-with-a-view in time for the extravaganza. We started in our usual way with a bottle of an excellent German Riesling, followed with a perfectly prepared scallop entrée and an unusual combination of grilled beef tenderloin and salad entrée.

The light-the-fuse time was getting close so we skipped desert and made our way back through the crowd to our hotel room. We opened all the large windows, opened another bottle of wine, set up chairs overlooking the crowds and the "Old Bridge".

The Celebration

The history behind this spectacular is credited to the "Elector Palatine" Friedrich V, when he first bought his newlywed bride, Elizabeth Stuart, back to Heidelberg in 1613 and he blessed her with a fireworks show. The celebration has continued ever since and in 2013 (the year we were there) the event celebrated its 400th anniversary.

The spectacle begins with the castle gradually being encoded by a red light and eventually the lighting effects completely cover the structure … representing fire. The special effects would have made Walt Disney proud! After a few minutes the "flames" fade and the firework show over the bridge begins.

Please goggle the event and observe one of the most amazing pyrotechnic displays.

Surprise Six – Heidelberg Needs a Longer Visit

As slow travel proponents we really missed this one. The village and surrounding areas offer so much. Our slip-up was to use this as a way station instead of a destination … we hope you may learn from our mistake.

After all, what is the hurry … be inspired!

© Inspired Travel Itineraries with Bob and Janice Kollar

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Source by Bob Kollar

A Treatise on Federal Practice, Civil and Criminal, Including Practice in Bankruptcy, Admiralty, Patent Cases, Foreclosure of Railway Mortgages, Suits … Receivers and Injunctions in The…; V

A Treatise on Federal Practice, Civil and Criminal, Including Practice in Bankruptcy, Admiralty, Patent Cases, Foreclosure of Railway Mortgages, Suits ... Receivers and Injunctions in The...; V

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Western Art – the Heidelberg School of Painting – Australian

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Heidelberg School – The Concept
The Heidelberg School of Painting was the first major artistic movement in Australia dominant during the late nineteenth to early twentieth century. Impressionist in style, the genre made a remarkable impact on the overall Australian Art history, landscape & countryside painting in particular.

The History
The Heidelberg School originated in July 1891, with the art critic Sidney Dickinson's (US, 1890-1980) review of the works by Arthur Streeton (Australian, 1867-1943) and Walter Withers (Australian, 1854-1914). Sidney observed that the artists painting in the Heidelberg area were inspired by its landscapes and the impact of natural light on them. Since then, The Heidelberg School introduced the Australian artists of the late nineteenth century, painting in the Impressionist Plein-Air style. Apart from their grandeur as compositions, these works form an integral part of Australia's creative record. The Heidelberg School began to slowly dissolve in the 1890s.

The Details
The Heidelberg School introduced French Impressionist Plein-Airism to Australia. The paintings of this School initially honored the Australian landscapes. The students would stay together in the summer months in Heidelberg, to paint. Based on European art fundamentals, these Plein Air paintings depicted the colorful Australian landscapes. Right from domestic themes to urban arrangements, the Heidelberg artists painted all. The students were very heavily devoted towards Landscape Art. They were interested in producing Contemporary Impressionism to more accurately demonstrate the Australian environment than that done in the previous works through the Australian history. The artists were intrigued with the spontaneous lighting effects, resulting in their experiment with different brushstroke styles and techniques.

The Artists
The Heidelberg School included artists Arthur Streeton (1867-1943), Tom Roberts (1856-1931), Frederick McCubbin (1855-1917), Walter Withers (1854-1914), Jane Sutherland (1853-1928), Clara Southern (1861- 1940), Aby Altson (1864-1949), Charles Douglas Richardson (1853-1942), Artu Loureiro (1853-1932), and Charles Conder (1868-1909).

The Artworks
'Macedon Ranges' (1874) by Louis Buvelot; 'The Letter' (1884) & 'Pioneer' (1904) by Frederick McCubbin; 'A Quiet Day on Darebin Creek' (1885) by Tom Roberts; 'A Holiday at Mentone' (1888) by Charles Conder; 'Shearing the Rams' (1888-90) by Tom Roberts; 'Golden Summer, Eaglemont' (1889) by Arthur Streeton; 'The Storm' (1896) by Walter Withers; and 'An Old Bee Farm' (1900) by Clara Southern, are some of the competent pieces of The Heidelberg School. Several artworks are also displayed at the National Gallery of Victoria, Melbourne, the National Gallery of Australia, Parkes, Australian Capital Territory, and the Ballart Fine Art Gallery, Ballart.

Conclusion
The Heidelberg School artworks are unduly the first Western Art stunners to realistically represent each unit of a landscape, including the sun, earthy colors, and the vegetation. The Heidelberg School is an important chapter of the Australian Art history, for its immense contribution in towing up the cultural front of the nation through literature and art – a face the world gladly accepted, respected, and cherished.

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Source by Annette Labedzki

301 Simple Things You Can Do to Sell Your Home Now and for More Money Than You Thought: How to Inexpensively Reorganize, Stage and Prepare Your Home for Sale

301 Simple Things You Can Do to Sell Your Home Now and for More Money Than You Thought: How to Inexpensively Reorganize, Stage and Prepare Your Home for Sale

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Numerous studies show that a house that is well polished on the surface and staged properly will appeal to more buyers, sell faster, and most importantly for more money. You may not be able to improve the market value of your house, but you can improve its marketability. Remember: first impressions count the most. Home Staging is the art of decorating a home to sell fast and for the highest amount. Home stage experts and consultants get thousands of dollars to do what you can easily do inexpensively, with little or no money. Keep in mind this important fact: the way you live in your home and the way you market it for sale are two very different things. In this groundbreaking new book you will learn how small colour changes will increase your home s value, minor repairs and de-cluttering tricks, how to rearrange your furniture and art work, decorating tips and ideas, how to look at your house from the buyer’s viewpoint, how to add minor accessories, which items stay and what must go, which minor changes will bring you the greatest return, how to bring out a home’s best features, table settings, candles, what photos must go and which ones stay, how to minimise problem areas, how to position your house for the marketplace, what music to play, what scents to spray, how to use design psychology techniques, lighting techniques, landscaping secrets, what to do with garages, basements and attics, what colour you should never use, how to ensure a positive traffic flow through rooms, how to use mirrors and natural light, and much more. This exhaustively researched book is the ultimate resource for novices and pros alike; it will guide you through every step of the process with hundreds of innovative ideas that you can put to use right away. This book gives you the proven strategies and innovative ideas used by the expert s everyday that you can easily do your self. The book also includes a full-colour insert packed with photos of before and after shots!



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Price Measurements of Residential Real Estate Markets

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There is no perfect measure for any broad financial market activity, and real estate markets are one of the most difficult to measure accurately. There are a number of methods for measuring prices and price changes in residential real estate markets. These include the median price, the median price per-square-foot, and the Case-Shiller indices.

Markets for stocks, bonds and other securities are the most widely reported and measured financial markets. It is relatively easy to measure activity in these markets because all sales are recorded at a few central exchanges and the “products” are uniform (one share of stock is equal to another). In contrast, real estate markets are much more difficult to evaluate. Real estate transactions are recorded into the public record in thousands of locations across the country. Keeping an organized database of these records is such a daunting task that the title insurance industry has taken this responsibility as part of its business model, and many people are devoted to the arduous task of obtaining and organizing these records on a daily basis. Real estate does not have the uniformity of stocks or other financial instruments. Each property has unique qualities that differentiate it from all other properties making like-kind comparisons very difficult.

Geographical location is a major influence on the value of real estate. Even if two properties could be found with identical physical characteristics, the values of these properties could vary considerably based on where they are located. Ideally, a market measure would record the changes in sales prices of identical assets or in the case of an index, a group of similar assets. The unique nature of real estate assets makes it difficult to use standard measures of reporting utilized in other financial markets.

Due to the problems of asset uniformity and variability based on location, real estate markets are typically measured using some form of median pricing over a specified geographic area. The median is a statistical measure of central tendency where half the data points are above and half the data points are below. For instance, in a list of 5 numbers sorted by size ($100,000, $200,000, $300,000, $500,000, $900,000,) the third number in the list ($300,000) would be the median because it has two numbers that are larger and two numbers that are smaller. The median ($300,000) is used rather than an average ($400,000) because a few very expensive properties can increase the average significantly, and the resulting number does not represent the bulk of the price activity in the market.

One of the problems with a median as a measure of house prices is a lag between when a top or a bottom actually occurs and when this top or bottom is reflected in the index. During the beginning of a market decline, the lower end of the market has a more dramatic drop in volume than the top of the market. This causes the median to stay at artificially high levels not reflective of pricing of individual properties in the market. In other words, for a time things look better than they are. At the beginning of a market rally, transaction volume picks up at the bottom of the market at first restarting the chain of move ups. During this time, the prices of individual properties can be moving higher, but since the heavy transaction volume is at the low end, the median will actually move lower.

The median is a good measure of general price activity in the market, but is does have a significant weakness: it does not indicate the value buyers are obtaining in the market. The houses or structures built on the land compose the most significant portion of real estate value in most markets. These structures deteriorate over time and require routine maintenance that is often deferred. During times of prosperity, many people renovate homes to add value and improve their living conditions. The impact of deterioration and renovation of individual properties is not reflected in the median resale value. Also, at the time of sale, there are often buyer incentives which inflate the recorded sales price relative to the actual cost to the buyer. These buyer incentives also distort the median sales price as a measure of value.

Many data reporting services measure, record, and report the average sales cost on a per-square-foot basis to address the problem of evaluating what buyers are getting for their money. For instance, in a declining market if people start buying much larger homes at the limit of affordability, the generic median sales price would remain unchanged, but since buyers are getting much larger homes for the same money, the average cost per-square-foot would decline accordingly. This makes the average cost per-square-foot a superior measure for capturing qualitative changes in house prices; however, this method of measurement does not capture the relative quality of the square footage purchased, only the price paid for it. High quality finishes may justify a higher price per square foot. There is no way to objectively evaluate the impact finish quality has on home prices. The main problems with using the average cost per-square-foot to measure price is that it does not provide a number comparable to sales prices since it has been divided by square feet, and it is not widely measured and reported.

To address some of the weaknesses of the generic median sales price as a measure of market value, Karl Case and Robert Shiller developed the Case-Shiller indices for measuring market trends. This index measures the change in price of repeat sales. It solves the dilemma of pricing like-kind properties, almost. Although these indices capture the price movements of individual properties far better than the generic median sales price, it does not take into account value added through renovation and improvement. To address this issue, the index gives less weight to extreme price changes assuming the outlier is a significant renovation. However, if there is a market-wide renovation of properties, as was the case in many markets during the Great Housing Bubble; this will cause a distortion in the index. The other weaknesses of the Case Shiller indices concern how and where it is reported. Since it is an index of relative price change rather than a direct measure of price, the index is reported as an arbitrary number based on a baseline date; therefore, the numbers are not useful for evaluating current pricing. The index is also confined to 20 large metropolitan areas around the United States. The large geographical coverage areas are required to obtain enough repeat sales to construct a smooth index. The broad yet limited geographical coverage fails to capture price changes in smaller markets. Also, since the Case-Shiller index is a measure of changes in prices of sales of the same home, it does not include any newly constructed homes. No measure is perfect, but the Case-Shiller index is the best at measuring historic movements in pricing because its methodology is focused on repeat sales of the same property.

The Great Housing Bubble was an asset bubble of unprecedented proportions. Between 2000 and 2006 Home prices increased 45% nationally, and in California home prices increased 135%. Had this amazing price increased coincided with a period of high inflation, it may not have been indicative of a price bubble, merely the general increase in prices of all goods and services; however, inflation was low during this period. The inflation adjusted price increases nationwide were 23% and in California it was 100%. There was no great improvement in the quality of houses justifying the higher prices. Although some homeowners made cosmetic improvements, the vast majority of homes were unchanged during this period, and many deteriorated with age. Resale homes did not undergo any form of manufacturing process where value was added to the final product. There was little real wealth created during the bubble, just a temporary exaggeration of value.

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How to Sell Real Estate

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Now that's a question that does not have a simple answer. In the real estate industry today many experts claim that 10% of those selling real estate for a living make 80% of the money. I believe that ratio may hold true in most selling careers. So what really sets these top producing sales people apart from the crowd? Are salespeople born that way? Can you learn to become a top producing sales person? The answers are yes in both cases. Some people are born sales people and some people have to learn how to sell. In both cases the gifted and those who have to learn still have to learn the industry they are involved in while real estate, automobiles, furniture, investments, mortgages etc. Product knowledge is an essential ingredient of any successful sales persons ability to perform above the average. So we can safely say product knowledge is essential to selling anything successfully. Anyone can learn about the product. That just takes effort or work.

Now let's discuss gifted versus learned ability. We all know people with personal magnetism who have the type of personality that joins others to them. People just like to be around them. These people do not have to work as hard to attract the business to them. That describes the gift in a nut shell. It's just that simple. This gift will make the start of any sales career easier because they have a larger sphere of influence than the average person just based on their magnetic personality. Here's the million dollar question though "Will this gift sustain their sales career?" The answer is a resounding "NO IT WILL NOT" As a matter of fact it may make them think the job is easier than it actually is and the first slump will prompt them to become disillusioned and leave the business. In this case the gift can become the curse as they've come to expect something for nothing. Even with the gift you still are required to apply the principles of success to any chosen career in sales. Learning how to sell real estate is as simple as that. You have to learn how to do it. That takes time, commitment, study, practice, perseverance, a source of knowledge and most importantly a good solid work ethic.

The first thing you need to focus on if you want to successfully sell real estate is yourself. What are your weak points and what are your strengths?

Now my experience has taught me that most people do not think they are lazy, lack drive and ambition or have a fear of success. This personal assessment must be brutally honest and look closely at your own self esteem. No success comes with out sacrifice and self improvement. Think about this! There is a reason you are not already successful. (assuming you are not.) If you are contemplating a career in real estate it must be in hopes of improving your life in some way. Now you may already have been successful in some other career and be confident in your own ability and comfortable with your own self esteem and that is great. For those that are not the first sale you have to make is to yourself. You have to convince yourself that you deserve to be successful ("What the human mind can believe." The human mind can achieve. ") Success Principle number one. Then you have to commit to learning what you require to learn to become successful selling real estate. ("Success can be learned when combined with belief and commitment") Success principle number two. How long a commitment? How about a lifetime? Knowledge is power in every aspect of life. Spiritual, personal and career. ("Successful people never stop learning") Success principal number three.

You see the key to selling real estate successfully is all about you. Only you can extremely determine your own success. The strongest assets of any successful salesperson is their own hearts and minds. If you start your real estate career on the right foundation you will be successful. That foundation is not the company you work for, not the person who trains you, not the location you work in and not some magic formula. That foundation is YOU. Last but not least success principle number four. ("Successful people always think of the other person first") In sales that call that empathy. A successful salesperson never sells their customers anything they do not need or want. Those sales people that do are called something else. Have you heard the term con person before? Sales person or con person both require the same skills with one all encompassing difference. That difference is honesty. Success long term can only be maintained by conducting your business with absolute honesty and integrity.

Yours In Real Estate

Larry Matthews

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Source by Larry Matthews