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The real estate market of Gurgaon is ready to welcome its most awaited residential project of the year this November. This residential project is being launched by the well known TATA Housing Group. This project has been equipped with all the comforts and luxuries of living. The Tata housing project Gurgaon is going to be the perfect gift for our family, this diwali.This project is located at a very prime location of Gurgaon ie sector 72 Sohna Road Gurgaon. This location will provide you an easy reach to the NH 8. Along with this, you will also get an easy connectivity from Delhi, as it is located nearby to the IGI International Airport and the proposed Dwarka Expressway.

This project is being offered in varieties of residential properties such as 3 and 4 bhk of apartments, 4 bhk of duplex floors and villas. The project is going to be fully air conditioned and the apartment of the project is going to have a swimming pool in it as a luxurious amenity. The interiors of this project have been attractively designed for your comfort. Designer bathrooms have been provided with this project. Modular kitchens have been provided as an important ingredient for leading a comfortable lifestyle. The parking system has been provided at the basement of this project. The price range of this project seems priceless as compared to the features being provided with it. The cost of the apartments of this project is starting just from Rs. 1.25 crore onwards. The duplex floors are being offered at a price range starting just from Rs. 2 crore onwards and the villas are being offered at a price range starting just from Rs. 4.5 crore onwards.

The wait for your dream house is over, because this project is ready for its grand launching this November. This project will take you towards experiencing a high standard of living that will be full of all the pleasures of living. So it’s time to fasten your seat belts to experience the exciting standard of living with the TATA’s new project at Gurgaon.

My team and I travel around a lot. In the hotels where I stay, I ask someone to deliver milk to my room to have with cereal; I get different techniques of delivery. Just like each member of your team might have a different idea on how things should be done in your real estate business.

I understand that it’s not the hotel that is deciding how to deliver my milk. That decision is being made by the person bringing it up. Everyday I had a different person knock on my door to deliver my milk, and they put the tray together. I know what the system is; this guy wants milk so throw something on the tray.

They think they’re making me happy. So, sometimes, they do those dainty little containers. They give me a couple of thimbles of milk for my big bowl of cereal. Now they have to send those things through the dishwasher and clean them. I am impressed.

These decisions are based on cost. So if you’re trying to trim cost, would you want your employees to be delivering volumes of milk in a large container? Or did you want to impress somebody and do the dainty little thimbles?

If labor is more important to you and more expensive, why would you have somebody take it out of a carton and put it in to the dinky things that now have to be washed later. A carton of milk would have been okay. For the record, a carton of milk is ok with me.

But what is your goal?

What I just described with the milk can give you a vision of what I’m trying to get across to you. Your real estate business simply will not survive for long if you don’t put systems and procedures in place to make sure things are done correctly every time.

I’ll give you another example. When I am in a hotel, I don’t want the maids in my room moving things around. So I don’t do maid service. I put the privacy sign on my door. If I need towels and things like that I catch them in the hall. I travel to Florida, Arizona, you name it. Everywhere I go, I have the same system.

There‘s one hotel that I stay at regularly, I went there recently to stay. On the first day, the maid had taken a plastic sack and stuffed in some hand towels and bath towels and some soap. She then hung it on my door. That doesn’t normally happen.

I thought, “Well that’s a nice touch.” They were thoughtful and she was thinking about me.

So would the owner of the company want the plastic bag full of towels and soap hung on the door every time or just sometimes, and who’s making that decision? The decisions are being made by the people trying to do a good job.

But is it the way the owner wants it? Because in every decision like that, there is a cost or a value added, like it or not.

And I didn’t need the big volume of milk on day one because they ended up with one of the glasses going back. All I needed was the carton.

But the point is who’s making the decision on the milk or bags of soap and towels in your company?

The owners of those hotels need to replicate themselves to keep customers happy and keep costs down.

Maybe you’d rather have the big container of milk and not the carton. People have a different taste, that’s why we have chocolate and vanilla.

Maybe it’s a good thing for a hotel to survey and see how most of their customers would want their milk delivered. It’s the same concept with you and your business. You need to know what your customers want. You need to know how to deliver what they want to them consistently.

With an aging baby boomer population starting to enter their 60s, our society is now entering a time where the financial planning of the boomer generation is tested and put into action. Did they save enough? Did they plan appropriately? Is their financial house in order? And for those who are in their 30s and 40s who are beginning to amass their fortune, they are starting to plan appropriately as well – or at least making efforts to. And into all this mix enters the profession of Financial Planning or Certified Financial Planners (CFP) as they are more officially called.

Financial planners assist families of all types

Financial planners meet a clear need. These individuals have the ability and talent of assisting individuals, couples, extended families, and businesses with structuring their financial life to provide the greatest security and return on investment. Financial planners are known for their expertise in many types of financial products. They should be well-versed in stocks, bonds, mutual funds, estates, wills, trusts, and corporate structures. Many financial planners also are well-trained in planning itself. This is the discipline of knowing where to put your money for greatest gain – but also in which order to do it, at what age, and in what amounts.

Criteria in Selecting a Financial Planner

Finding a financial planner who is skilled at planning is essential, especially if you’re just starting out. In order to choose the right Certified Financial Planner, it helps to evaluate them on objective grounds. The resources at the website below can assist as well. Most importantly, you’ll want to assess their qualifications relative to your specific needs. Find out if they understand how best to support what you need financially. Also consider how they charge – there are no-fee and fee planners, who charge either for their advice only or for the commissions they receive on the sale of products they recommend. Find the planner that makes the most sense for you. Finally, consider how accessible the financial planner is for you. Where they live, their office hours, the services available on their website, and the ease of contacting them are important to consider. Evaluating your future financial planner based on objective criteria can help you in the long-term to achieve the financial goals that most benefit you and your family.

The right estate agents can make finding a house for sale that you are looking to purchase in the United Kingdom a lot easier.  When you are looking for a home, you need to look for as many choices as possible.  While some people will try to sell their home by themselves, most people selling homes today in the United Kingdom will use estate agents in order to make their home easier for buyers to find.  Buyers are limited if they just take a look at the house for sale that are listed by owner.  They can find a lot more if they look at listings that they find online. 

Most estate agents today realize the value of putting as much exposure into their listings as possible. This gives them the potential of finding more buyers for the house for sale that they have listed.  A buyer is more likely to now use the internet to take a look for houses for sale in the area where they want to live. It is wise for both buyers and sellers to take advantage of an estate agent who will use the internet in this way.   It gives more exposure to the property and also will bring in more buyers.   Everyone will benefit from using the technology of the internet to sell a house. 

Photos of the property can be posted online so that buyers can see the house for sale before they decide to take a ride past the house.  Estate agents will usually post photos as well as details about the property so that buyers can see what they can afford to buy as well as the condition of the house.  They can see where the house is located and any amenities that come along with the house.  Those who are new to a certain area can see how close it is to where they want to be.  Many people who are relocating in the United Kingdom are not sure of the different areas in which they wish to live.   Looking online at a house for sale not only gives them an idea of the houses in their price range as well as the condition of the house, but also the location as well. 

It is easy to use the internet to look for a house for sale and most buyers today are taking advantage of this option.  Unlike years ago, when buyers went to estate agents for listings and had to drive past certain houses that were on the market to see what they looked like and the location in which they were in, they can now save a lot more time.  This also gives a seller an advantage of procuring more buyers who may be interested in the house for sale but does not know how to look for it. 

The more exposure a house for sale has by estate agents, the more likely it is to sell at the best price to an interested buyer.  Buyers and sellers can now take advantage of the time saving efforts of using the internet for this purpose. 

WAIT A MINUTE ALAN! We’ve spent all this time and effort to get private lenders and now you send us a newsletter on firing them! What are you thinking?!

Well, stay with me here and I’ll explain. I love my private lenders. We get along great and I make sure of that. Up to this point we’ve talked about how to attract and keep private lenders and many of our future newsletters will continue with information just like that. If you don’t have private lenders at this point, being selective about them may be something you’ve never even considered.

Once you’ve done your homework, gotten your real estate education, and taken all the steps needed to attract private lenders, you could quite possibly have many of them offering to do business with you. This is an awesome position to be in and gives you a great opportunity to work with some pretty fantastic folks.

What are some scenarios where I might not work with a private lender who is trying to throw wads of cash at me?

1) They want to be too involved.
2) They want to loan a great deal of money.
3) You simply are not ready to go to the next level.

Let’s look at each of these a little more closely.

1) They want to be too involved…

I’ve spent tens of thousands of dollars on my education and have been in the business for over 9 years, I know how to do this business. I have definite ideas about the way I want to run my Real Estate business. I attend at least one seminar almost every month. I’m always striving to learn and to improve.

Sometimes a well-meaning soul will want to “help” me by offering advice in an area where frankly, I’m an expert, and they have little or no experience.

You are going to run into these folks. This is where you need to have a solid education so you don’t get sidetracked. I can work with most private lenders. They give me money; I send them interest payments.

Let’s be clear on your private lender’s job. Their job is to write a check and then set back and wait for a bigger check.
It is the American Dream.

Once in awhile you will find that someone wants to work “with” you and maybe even be a partner.

They believe that the money they invest in your business gives them the right to offer advice and they expect you to take it, in the way you run your office, what properties you purchase, what rehab workers you hire, and so forth.

Just be aware that some folks will want to be a partner and if this is not what you want, be prepared to correct the situation before it goes too far in the relationship.

To be honest, I stop it on DAY ONE.

My advice is to always be professional about it. I’m gracious. I simply explain my position and my rational for what I do.

2) They want to loan a great deal of money…

Gee, talk about the American Dream.

Sounds pretty good doesn’t it? You’ve probably thought, “Hey, if I could find just one lender with a ton of money, I’d have it made.” Well, let’s look at this a minute. You’ve heard the saying that putting all your eggs in one basket is a bad idea. Having one lender is like having all your eggs in one basket. Life can change in a heartbeat and if that one lender needs to quickly pull out his or her money you are out of business!

Today, one of my private lenders died.

She had retired from her job of 20+ years in September and invested her retirement funds with me in October.

What if she was my only lender with millions loaned?

What decisions are her beneficiaries going to make?

Thanks goodness she was not my only lender.

If you have ten solid lenders and one has to pull out, you simply make adjustments (replace one lender’s funds with another) and continue business as usual.

Having multiple lenders makes your business more secure.

3) You simply are not ready to go to the next level…

a) Maybe you are satisfied with where you’re at

OR

b) Maybe you haven’t done your 1st deal and you don’t want to go out and promise folks you’ll get their money working and then find out you can’t perform.

If it is the 2nd item, let’s talk about it.

The other day I did a teleconference with another national speaker.

We got asked the question…
“What would you do first, find a deal or find private money?”

He said “Find a deal and then go find the money because it gives you the incentive to make it happen.”

I answered just the opposite because having private money will give you the confidence when you make offers that you are going to be able to close.

Santiago and Concepción are attractive for residential property investors, Viña Del Mar less so, says the Global Property Guide

There are surprisingly large differences between returns on residential property in Chile’s main cities. The Global Property Guide (http://www.globalpropertyguide.com), the research site for residential property, released today the results of research into rentals in major cities of Chile. It revealed that:
• Apartments in prime areas of Santiago have excellent average rental yields of 8.16%.
• Apartments in the city of Viña Del Mar yield only half as much, on average, with gross rental yields of around 4.31% only.

The rental yield is the annual rental income on a property, as a percentage of today’s property purchase price. This is what a landlord can expect as return to his investment. The rental yield is one useful yardstick of whether property is over-valued or under-valued

The high yields on apartments in prime areas of Santiago – Las Condes, Providencia, and Vitacura – suggest that these Santiago areas make good residential property investments.
Apartments in prime areas of Santiago cost on average US$ 98,520 for a 60 square meter apartment, according to the Global Property Guide’s research, versus US$ 87,480 for the same sized property in Viña Del Mar. However, 120 square meter apartments are more expensive in Viña Del Mar than in Santiago.

The result? Looking across the different sizes, prices in the two cities are more or less the same, on average.

Though apartments in Santiago and Viña del Mar cost around the same, per square meter, yet Santiago apartments produce twice as good rental returns – i.e., rents for the same sized apartment in Santiago are nearly twice as high. This means that Santiago is much more attractive as a residential investment.

In the southern city of Concepción, 120 square meter apartments have excellent gross rental yields of 9.04% – also, an excellent level of rental yields, making Concepción a very attractive investment.

Why consider rental yields? Some investors in residential property may ignore rental returns, being more concerned with capital gains.

Yet even they would do well to consider rental yields. The rental yield, or price/rent ratio, is similar to the price/earnings ratio in the stock market. As in the stock market, property investments with high rental yields tend to perform better, and have higher capital gains, in the long-term.

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Extensive Report - http://www.globalpropertyguide.com/Latin-America/Chile/Rental-Yields

Description:
The Global Property Guide is an on-line property research house.

Terms of Use:
On-line newspapers, magazines, sites, etc wishing to use material from this press release MUST provide a clickable link to www.globalpropertyguide.com. Sites and newspapers found not to be providing a link to us will be removed from our press list.

Publisher and Strategist:
Matthew Montagu-Pollock
Phone: (+632) 867 4220
Cell: (+63) 917 321 7073
Email: editor@globalpropertyguide.com

Address:
Global Property Guide
http://www.globalpropertyguide.com
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115-117 Esteban Street
Legaspi Village, Makati City
Philippines 1229
info@globalpropertyguide.com

Avoid this big recession mistake in your real estate business

The recession has fabricated quite a negative impact on the majority of businesses in the United States. Visit at http://pinkirealestate.blogspot.com

It’s certainly changed the landing some businesses do things. But masterly is at least lone intense position of business that we real estate agents cannot allow the economy to change.One of the markedly important trends I noticed consistently juice my real estate animation was the number among of homes sold as a percentage of the number of larger leads I generated.This one finding completely transformed my animation because it allowed me to narrow my focus. Bill Gates and maze Buffett accredit both said that “intense focus” was the key to their success.

Before this breakthrough, I would safari around every day mind a deceitful veil its head cut guillotine. I chased every shiny ground. I would hear a heavier idea and I would be off to implement irrefutable. I didn’t focus on any lone thing, and therefore I didn’t make a lot of progress.Based upon my coaching and consulting to hundreds of authenticated estate agents, I have noticed that the majority of you think the same problem. Especially now in these tough economic times, people tend to chase whatever they fall for they can finish their hands on.There are a lot of shiny objects alien there that we are tempted to chase. You comprehend what I’m utterance about, don’t you? Tracking my numbers allowed me to break out of this cycle of chasing elusive “opportunities.” I in conclusion realized that the single most important thing I could execute each besides every day was to:

Generate New Leads due to my Business If 100 leads turned into four sales, therefore 200 leads would open to 8 sales. I finally had instant polestar. I realized that I didn’t need fancy new animation cards or the singular palm pilot to check the MLS on the advance. I just needed to generate amassed leads every single day.This lesson has been ingrained prerogative me every since. begin generation remains my No. 1 business focus. I execute something every single chronology to generate new leads. Generating leads in that your business is fancy feeding your body.

Don’t feed your body, and solid starves. Don’t feed your business new leads, and it dies.I realize the housing tout is slow. Don’t gravy train this as a recognize to abolish marketing. This is a walloping mistake.In fact, I would suggest that you market more over than you have supremacy the past. I’m marketing my business more today than I’ve mortally marketed heartfelt before. In fact, I’ve totally increased my monthly lead generation goals from 2008.Visit at http://pinkirealestate.blogspot.com

If you’re like many Americans, the whole topic of financial planning is more than a little daunting. There are professionals for that, right? Well yes, and no. There is an entire profession devoted to financial planning and those in it want you to think that you need them. But do you?

All it takes to become a financial planner is a few business licenses, a short five-day course, a few fees, a test, some sales training and the ability to sell, sell, sell. Few financial planners are certified and even certification is no guarantee of competence.

To further complicate matters, there are some excellent financial planners who carry no certification. My financial planner isn’t certified but he leaves no stone unturned in being informed. Perhaps his best skill is that he listens to what his clients have to say. Most financial planners never really learn financial planning strategies. They don’t have time because they have to reach their sales quotas.

Most financial planners are actually insurance salesman. They get their biggest fees and commissions from selling insurance policies. Certainly, insurance has its place in a portfolio, but financial planners often recommend their clients put way too much of their money into insurance products. And many times the client doesn’t even realize that what he’s buying is actually a repackaged universal life or variable universal life policy.

One of the most important questions to ask a financial planner is how he or she is compensated. It’s certainly within your right to know if they’re working for your interest, or theirs. The incentives that financial planners receive to sell an insurance company’s policies are often so lucrative that the shine of gold can alter their judgment. Do you get excited when your financial planner wins a fantastic vacation to a beautiful resort because he was able to convince you to buy a product that may or may not be the best for you?

While no one objects to a professional being fairly compensated for services rendered, you can be sure that the less you understand and the less you are informed; the more it will cost you. You need to be sufficiently educated so that you can make responsible decisions with a financial planner and not leave the decision of how much and where to invest solely in their hands.

You don’t have to have an economics degree to learn the basics of money management and investing. If you spend most of your life working and earning money, doesn’t it make sense to spend some time learning how to manage it? That doesn’t mean you shouldn’t utilize the services of a financial planner, it means that if you choose to work with one, you have enough knowledge to know if what he’s offering is in your best interest.
Remember that a financial planner works for you. You hire him or her to execute your wishes and advise you. No one has more interest in the success of your retirement account or other investments than you do. You are the only person who has no conflict of interest in choosing your investments.

HeatingSave is a low-cost, revolutionary Energy Management System that saves between 15% and 30%+ off the energy used to heat and light your home. It’s controller, which replaces the central heating timeclock, contains a computer program that learns, and constantly refines, the heat loss profile of your house so that it uses the least amount of energy.

At 25 Manor Road, St Neots, the HeatingSave system is using HeatingSaves’ glass evacuated solar tubes to heat the hot water using the suns rays. As HeatingSave is controlling both the boiler and the solar panel, it is able to make further economies by using the free energy from the sun as much as possible. The heating is turned up or down automatically depending upon the heat loss profile of the house and the outside temperature, whilst the occupancy sensors automatically turn up and down the heating depending on whether anyone is at home. The same occupancy sensors automatically turn lights on/off, this time saving money off the electricity bill. The immersion heater is also controlled by HeatingSave, allowing the home owner the vary the hot water temperature; hot for the baths/showers in the morning and cooler in the day for washing up, hand-washing and the washing machine. All saving energy and money, but leaving you firmly in control. Linked to the HeatingSave controller is a PC where the householder can change settings, view daily costings to help with the household budget and view the energy savings graphs – so you can see that the system is actually working and saving you money. The HeatingSave system is linked to the Internet so you can control, set and view how well your energy management system is working – from anywhere in the world.

At 1 St Audrey Lane, St Ives the HeatingSave system is controlling the Dimplex flat solar panel and the Dimplex air heat source pump. There is no central heating boiler, with heat being extracted solely from the outside air temperature and the suns rays. HeatingSave applies the same type of control at 1 St Audrey Lane as at 25 Manor Road. Again the Tensor access control system links to HeatingSave so that the energy management system “knows” when the house is occupied or empty.

HeatingSave is a government approved by the Carbon Trust and the Energy Savings Trust to save money on your energy usage. It is also an approved product on the lord mayor of London’s “London Green500″ scheme.

HeatingSave are also helping Cambridgeshire Fire Service to reduce their heating bills, more information can be found on the Hunts Post website

The Greencell technologies – The Green House Project will take a ‘whole house’ approach to refurbishment, starting with the building fabric and insulation, windows, heating systems, ventilation, water efficiency measures and the installation of renewable energy technology including solar thermal for hot water and solar photovoltaics (PV) for energy.

When it comes to helping our aging loved one with financial decisions, we want to make sure we take time to understand all aspects of the transaction. One option for seniors that is becoming very popular is to use the equity from their home to increase their cash flow. Some seniors need to pay off old home equity loans; others have credit card debt that they would like to eliminate. Some elderly parents need additional cash flow to pay in-home caregivers, and some need the money to simply be able to afford to pay their daily living expenses. Regardless of the reason, a reverse mortgage is a big decision for seniors and their family members.

Let me offer some background, For the purpose of our discussion, a reversed mortgage is designed specifically for homeowners who are age 62 and older. Through this product, you can receive loan money from your home in the form of a lump sum, regular monthly checks or a line of credit. The money is typically repaid with interest when you sell your house, permanently move away, or pass away.

Reverse mortgages are regulated by the federal government (HUD and FHA). This is a “non-recourse loan,” which means that the heirs of the seniors are not responsible for repaying the loan. In fact, a reverse mortgage is a loan that does not have to be repaid unless both homeowners (assuming a couple) leave the home permanently, or pass away. No monthly payments are required. The senior is the one who gets paid.

The money the elderly receive from a reverse mortgage is tax free, and does not interfere with SSI or Medicare benefits. For the elderly parents that are having trouble making ends meet, this can be a life saver.

You might be wondering, what’s the difference between a reverse mortgage and a bank home equity loan. With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA’s mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.

You don’t make payments, because the loan is not due as long as the house is your principal residence. Like all homeowners, you still are required to pay your real estate taxes, insurance and other conventional payments like utilities. With an FHA HECM you cannot be foreclosed or forced to vacate your house because you “missed your mortgage payment.”

Now that you understand the reverse mortgage you are now thinking how much money you can get from your home. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA’s mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.

Reverse mortgages have helped hundreds of thousands of homeowners like you; improve their quality of life in retirement. A Reverse Mortgage can help you retire more comfortably. It can provide you with money when you need it most. No Monthly Mortgage Payments, Easy Qualification, Tax-Free Money and No cash needed for closing costs. Can it get any better? If you’d like to find out how much money you qualify for and if you’re eligible, give us a call at (800)630-0650.

Tim Jacobs
Golden Years Mortgage Solutions
Your Money…When You Need It
www.GoldenYearsMortgageSolutions.com
(800)630-0650
tim@goldenyearsmortgagesolutions.com

Tim Jacobs@GoldenYearsMortgage Solutions www.GoldenYearsMortgageSolutions.com (800)630-0650 tim@goldenyearsmortgagesolutions.com Golden Years Mortgage Solutions is a reverse mortgage approved FHA Lender. We’ve helped thousands of senior homeowners solve their financial problems. Our agents and brokers collectively have over 60 years of experience in Reverse Mortgage Loans and general financial services, including managers who are industry pioneers with more than 12 years of reverse mortgage experience. Our dedication to providing financial solutions for seniors is evidenced by the number of referrals that come from our existing clients.