Killer Listing (Darby Farr Mysteries)

Killer Listing (Darby Farr Mysteries)

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Killer Listing: Bk. 2 Multimillion-dollar listings, hefty commissions, and cutthroat deals are the name of the game for Kyle Cameron, south Florida’s stylish and driven star broker. But her fast-track life ends abruptly when she is fatally stabbed at an open house. Suspicious of the cops’ haste in blaming the infamous “Kondo Killer,” real estate agent Darby Farr puts her sharp instincts to work. Along with a disputed l… Full description



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Knowing When to Set Out For Sale by Owner Property Signs

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Look at your local ordinates before placing your "for sale" signs on your local road ways. Many jurisdictions have requirements and special criteria for road way signs which you need to know about. Failure to do your research could have your sign dropped and may even cost you a fine.

For example, if you're an agent working under a brokers license, in addition to anything else you may put on the sign, you "must" also have that brokers name, logo and telephone number listed on the sign or you may find yourself in violation of the law. Another example maybe that signs are only allowed up during certain days and / or times. The laws / ordinances vary by local and are not the same for everyone.

It may not even be limited to the law for road ways, but you may also want to check out your HOA or Condo Association before installing signs on the grounds. There's a lot to think about, but be a good neighbor and stay within the law. Consult your local government agency or a similar professional to see what your requirements are and will be.

I always error on the side of caution and advise the same of you. For other real estate related articles, please check out our blogs on World Properties Online. We're a website that loves to talk property and promote property. We're also a great place to list property if you're serious about getting your property world wide exposure. We get a tremendous amount of traffic from all over the world.

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Source by Dave Harthman

For Sale by Owner Vs National Association Of Realtors

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Potential and existing For Sale by Owners should take National Association of Realtors (NAR) ongoing rhetoric with a grain of salt. The NAR has a significant stake in how you choose to sell your property – did you know that there is approximately $60 BILLION in real estate commissions paid out annually (up 19 billion form 2000)? In a well planned and funded effort to justify their services and the astronomical commissions that they collect the NAR spends millions of dollars every year inundating the average homeowner with propaganda.

Realtors would have you believe that it is totally impossible to successfully market and sell your own home. The reason they propagate this fallacy is painfully obvious but it is shocking how convincing they can be and how frequently homeowners fall prey to their ploys.

Let’s put some of the most common NAR rhetoric to sleep:

FSBOs do not sell for less

FSBOs do not take longer to sell

FSBOs do not unwittingly expose themselves to potential thieves, rapists or murderers

FSBOs can effectively market their own property

FSBOs can effectively sell their own property

FSBOs can save thousands of dollars in commissions

Truth be known, the National Association of Realtors does some things very well. First of all, they gather, compile and distribute very accurate data related to real estate that can prove very helpful when creating a For Sale by Owner marketing plan. This data is gleaned from hundreds of thousands of home sales so the data is very accurate. Most, if not all, of the data is readily available on the internet. This data includes, but is not limited to, average number of days on market (DOM), average and medium sale prices (compiled monthly and seasonally adjusted), unit sales by region and unit sales by “Metropolitan Areas”.

The NAR also compiles statistics related to “Buyer” and “Seller” tendencies, these statistics are generated through surveys of both buyers and sellers. Some of the data speaks volumes, for instance over 70% of home buyers in 2006 used the internet to find the home they ultimately purchased, before they hired a real estate agent. Secondly 18% of home purchasers claimed that the first introduction to the home they purchased was a FOR SALE lawn sign. Do the math – that means over 88% of “BUYERS” found the property they ultimately purchased without the assistance of a real estate agent – yet 85% used an agent to facilitate the purchase – who says marketing doesn’t work.

The second thing they do very well is market real estate; this is done through their proprietary data service – the Multiple Listing Service better known as the MLS. This real estate listing data, while proprietary, is not restricted to real estate agents, it is available to virtually anyone that has access to the internet. Realtor.com, the consumer facing website is a by-product of the MLS, this primary marketing tool for Realtors is also available to virtually anyone. For Sale by Owners can invest in Flat Fee MLS. The concept is simple – instead of the “Listing Agent” charging a commission based on the sale of your home, the homeowner agrees to pay a Flat Fee to a registered Realtor – this fee is typically in the $399 – $699 range depending on your geographical area and level of service. The agent simply agrees to list your property on the MLS. This exposes your property to all Real Estate agents through the MLS database and most potential buyers through Realtor.com (remember over 70% of buyers found the property on the internet BEFORE they hired an agent) which enjoys over 7 million monthly visitors that generate over 350 page views. BEWARE – not all Flat Fee MLS is created equal – make sure you know what you are buying and that there is some level of support.

One of the biggest problems that I have always had with Real Estate agents (outside of their high commission fees) is that they have a different mandate then the typical homeowner. A real estate agents mandate is to sell “a” home and get paid their commission. The homeowners mandate is to sell their home. How often do you think a prospective buyer calls in to set up a showing for a specific property (your property) and the agent says – “sure, we’ll set up an appointment – but while were out looking at that property let’s look at these “others” that I think you may be interested in.” Personally, I don’t blame them, that is how they earn a living – I would do the same thing, it’s called “hedging your bets”. The inherent problem is that a real estate agent can be successful without the homeowner being successful. A great example of this is “Open Houses” in my opinion they are simply a lead generation platform for the listing agent. The “visitors” come to see your home, the agent takes their name and contacts them to sell them any house – they have simply used your property and time as a hook.

I always have to defend myself, and I want to be clear, I do not hate real estate agents. They definitely perform a service that some individuals are incapable of performing. I do however have a problem with the fees that they charge and their relentless attack on FSBO’s. I have always felt that if someone has to take a run at the competition in an effort to justify themselves that it was a sign of weakness.

Bottom line, you can sell your own home and save thousands of dollars; do not be swayed by the NAR and its unsubstantiated claims. Do not believe something just because you saw it on television – it is a shameless effort to protect themselves, their association and a livelihood that is under significant pressure to justify it’s fees. It’s not a coincidence that the U.S. Department of Justice is currently investigating the industry for anti trust violations. Change is coming – and it will shake the very foundation that this association was founded. The internet has changed the way people buy and sell real estate – it’s time for Realtors to accept that fact and adjust accordingly or go the way of the Dodo bird.

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Source by Mark Camphaug

"I Can Only Wear Gold Jewelry" – The Truth About Jewelry Allergies

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I can only wear gold jewelry, everything else breaks me out.” How many times did I hear that exact phrase from my mother when I was a child? Every time I would give her jewelry that was her response.

Why does everything but gold break my mother out? Is that statement even true? When I started designing jewelry over ten years ago I decided to find out. I wanted to design jewelry for my mom that she could wear without fear of a breakout. Now I am going to let you in on what I have discovered.

My mother, like many people, develops contact dermatitis when her skin comes in contact with some types of jewelry. Her dermatitis is a result of an allergic reaction to the nickel found in many types of jewelry. Nickel allergies are very common, in fact one out of every seven people are likely to suffer from a nickel allergy. More often, women tend to suffer from nickel allergies than men. Allergy treatment can help with the symptoms of a nickel allergy. Unfortunately once the allergy has developed, a person will remain sensitive to nickel for the rest of their life.

Nickel is found in many types of costume jewelry, especially those that are mass-produced. It may also be found in other everyday items like coins, zippers, eyeglass frames, and cellphones.

So why is my mom allergic to nickel, you may ask. For some reason, which science still does not understand, her body has mistaken nickel (or similar metals like cobalt) as a threat. In response to that threat, her body causes an immune response (aka allergic reaction) to get rid of the threat. This reaction causes her to breakout in an itchy rash. But others could have a more severe reaction to nickel.

Now that I knew what was causing my mother’s breakout, I set out to find out which types of jewelry did not contain nickel.

First I looked at gold jewelry. Generally speaking, yellow gold (above 14 karat) will not cause an allergic reaction. However white gold may. White gold alloys contain nickel and other “white” metals to produce its silver coloring. One out of every nine people will react to the nickel in white gold.

Another form of gold jewelry is gold filled or “GF” jewelry. Gold filled jewelry metal is created when a base metal is coated with a layer of gold. Gold filled differs from gold-plated by the amount of gold applied. The layer used in gold filled jewelry is typically 50 to 100 time thicker that the layer used to coat gold-plated products.

Next I looked at silver jewelry. For those who are nickel sensitive, fine silver and sterling silver are great choices for “white” metals.

Fine silver is by definition 99.9% pure silver. Jewelry is generally not made of fine silver because the metal is extremely soft and does not withstand normal wear and tear well.

Most silver jewelry is made using sterling silver. Sterling silver is by definition 92.5% pure silver. In most cases, the remaining 7.5% metal is copper. Copper is infused to harden the silver and make it more durable. I use this type of sterling silver in my jewelry designs it is a great metal for nickel allergic people. Sometimes you can distinguish sterling silver by a “925” mark found on the jewelry. This is common on manufactured pieces, but may not be present on artisan jewelry.

Some other metals that are considered safe for people with nickel allergies are:

Copper – Copper jewelry is generally considered pure and not mixed with nickel or nickel alloys.

Platinum – Platinum jewelry contains 95% platinum and 5% of a secondary metal typically iridium.

Titanium – Titanium jewelry is both hypoallergenic and durable. It is a highly recommended metal for those who suffer from nickel allergies.

Niobium – This is a relatively new metal in the jewelry industry. It is a rare earth metal that can be anodized (naturally coated with beautiful colors). Like titanium, this metal is recommended for nickel allergy sufferers, especially those looking for a pop of color.

Since I have given you a list of safe metals, I thought I would also give you a list of metal terms to watch out for when you are shopping for jewelry.

Fashion or costume jewelry typically has base metals that include nickel. Sometimes these metals are plated; however that plating will wear off over time exposing the skin to the base metals. If you choose a plated metal, remember that it will need to be re-plated regularly.

Some have suggested that brass may be a hypoallergenic option. However my research has suggested that brass is sometimes alloyed with small amounts of nickel or even lead to strengthen the metal.

German silver or nickel silver is a metal to stay away from where jewelry is concerned. German silver does not contain any silver. The silver refers to the silver coloration of the metal. The color is derived from a combination of nickel, zinc, lead, and tin found within the alloy.

Surgical or stainless steel – Surgical grade stainless steel is made to be in the human body. However, the steel alloy contains between eight and twelve percent nickel. I have heard varying reports about how safe this metal is for people with nickel allergies. Since the steel alloy does contain nickel, I would tend to avoid it, but some people swear by it.

If you do buy a piece of jewelry and are concerned that it may contain nickel, commercial test kits are available online. These kits contain chemicals that react in the presence of nickel.

Doing a little research can prevent a nickel allergy attack and still allow you to wear beautiful jewelry.

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Source by April Williams

CESAR home – Rechnen 1. CD-ROM: Förderung mathematischer Grundfähigkeiten

CESAR home - Rechnen 1. CD-ROM: Förderung mathematischer Grundfähigkeiten

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Die ansprechende Grafik bereitet den Kindern ebensoviel Vergnügen wie die 16 Lernspiele selbst. Sie teilen sich auf in die drei Bereiche Wahrnehmung, erstes Rechnen und Sachaufgaben. Die Lernspiele beinhalten das Differenzieren geometrischer Formen, Zahlen und Punktmengen, das Zerlegen und ergänzen von Zahlen, das Erfassen und Vergleichen des Stellenwertsystems sowie das Analysieren verbaler Elemente und Strukturen. Den Kindern wird Gelegenheit gegeben Mathematik zu betreiben und mathematische Denkweisen auszubilden sowie eine positive Grundeinstellung zur Mathematik aufzubauen.



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3 Reasons To Use a Real Estate Agent When Buying a Home

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We all need the help of a professional occasionally, especially if we're tackling a big project that's outside of our normal area of ​​expertise. So when it's time to buy a home, it's smart to hire a real estate professional, also known as a real estate agent. Why? Because:

THE AGENT IS EXPERIENCED

Many agents have years and years of experience working with home buyers and sellers. Indeed, many are pseudo-psychologists because they can "read" their clients and determine their needs and preferences. An experienced, knowledgeable real estate agent will be able to guide you to homes or property that he / she feet will suit you and your family. Many will also let you know if the house if "over" or "under" priced, and will guide you as you bid on a home. Their experience is invaluable when it's time to sign the contracts and complete the paperwork, too.

THE AGENT IS UP-TO-DATE

Housing listings change quickly – in many case overnight – and that means the homes you see on websites and in catalogs or magazines may not be current. Real estate agents, however, have the inside scoop. They'll be able to let you know whenever a house that might interest you hits the market. And they'll also be able to let you know when a house is already sold, so you do not waste time and energy on an unavailable property.

THE AGENT IS KNOWLEDGABLE

Most agents specialize in a particular city, county or geographic area. They're already informed about things like local schools, crime rates and nearby shopping. They also will be able to tell you about local zoning laws, possible natural hazards – like hurricanes and tornados – and even things like the demographics of the community. Most will know if something large and commercial, like an airport or huge shopping center, is planned for future construction in the neighborhood. They have quick access to things like plats and property restrictions, too. Here is a list of recommended Home Mortgage Lenders online. It's important to use a reputable lender online to make sure your personal information is secure.

A real estate agent can make your home buying process relatively simple and painless. Unless you're an expert in real estate, it makes sense to hire a professional to help guide you through the home buying process.

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Makler Heidelberg

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Source by Carrie Reeder

FSBO: The Do’s and Don’ts of Using For Sale Signs

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A professional sign is one of your most important marketing tools. Next to an MLS listing, your sign is just one more way to promote your for sale by owner property.

Why is a FSBO sign so important?

Professional signs help attract attention to your home from everyone in your neighborhood and from those who happen to pass by it. If your home is on a major road, a professional FSBO sign is a definite must. The yard sign provides a visual cue to homebuyers letting them know where they can get more information about your FSBO property.

Many sellers – for sale by owner and otherwise – don’t want a yard sign because they don’t want the neighbors to know they are selling their home.

Truth is… there is no such thing as secret marketing. Keeping the sale of your FSBO home secret is counter-productive. Let everyone know your home is for sale. For sale by owner signs are just one of the ways to do it.

If you choose to use a FSBO sign, here are some do’s and don’ts:

The Do’s of For Sale By Owner Signs —

  • When you purchase your FSBO flat fee MLS listing, purchase a FSBO sign from your flat fee MLS provider.
  • Include your MLS #, property website URL and your contact information.
  • Make sure the sign says “Agents Welcome” – Having an MLS # and the notice “Agents Welcome” gives peace of mind to buyer’s agents that you are offering a buyer’s agent commission if they bring a buyer for your home.
  • Do have a brochure box filled with your feature flyers next to your FSBO sign.

The Don’ts of For Sale By Owner Signs —

  • Don’t use the generic For Sale By Owner Sign. Real estate agents are hesitant to approach for sale by owner sellers (unless they’re trying to get your business) for fear you may not pay the buyer’s agent commission. List on the MLS and use a sign that reads “Agents Welcome” to eliminate this fear of working with a for sale by owner sellers.
  • Don’t hand write a sign. Having a professional looking FSBO sign is part of marketing your home like a pro and competing with agent listings.

As a FSBO seller, it is important to use all of the marketing tools available to you. A professional FSBO sign with the right agent message and property information will make it easy for buyers to find your property. And it will make it easy for you to spread the word about your FSBO property for sale.

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Makler Heidelberg

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Source by Lisa Y Henderson

For Sale By Owner

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The “for sale by owner “terminology involves a process in real estate dealings where the property transaction is done by the buyer and the seller without any middle man. Usually, real estate deals whether outright sales or for rental purposes invariably have the middle man or the real estate agent or broker and it is he or she who swings the deal for a commission payout.

This payout could be either from the seller or from the buyer or from both. The commission structure and terms do vary from country to country and even within countries as the real estate market is not something that is highly regulated in most countries.

In the US, this commission can be as high as 6% of the selling price and that is quite a big amount. People therefore want to avoid incurring this expense and that is where the “for sale by owner” principle comes into play.

In a “for sale by owner” transaction, the seller typically makes use of a marketing company to do the marketing of the property and with the help of a lawyer; he ensures that the legal angle is well addressed.

Now we have talked about this arrangement from the seller’s perspective. If a particular buyer who has engaged a real estate agent to help him wishes to take the “for sale by owner” route, the agent may still request the seller to pay him his commission. The seller though is under no obligation to make any commission to him and he has to do with what the buyer would pay him.

As an owner, if you want to take the “for sale by owner” approach, then you have to be prepared to do everything on your own. The advantages you get by selling your property yourself though is substantial as you get to keep the proceeds and you also get to deal directly with the buyer. There are many buyers who too are interested in taking the “for sale by owner” approach and therefore it is entirely up to you on how you want to sell your property.

The “for sale by owner” real estate transaction is definitely a good one if you and the buyer take the time and effort to get acquainted with yourselves with all the legal aspects and are willing to take on the responsibilities that are usually handled by real estate middlemen.

Immobilienmakler Heidelberg

Makler Heidelberg

Immobilienmakler Heidelberg
Der Immoblienmakler für Heidelberg Mannheim und Karlsruhe
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Source by Darren Cari Calumno

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