AIA Chiangmai

Happy New Year,
Make it a better world. “Pay it Forward” as in the movie. If you haven’t seen it, do!

Welcome,

Basically, almost everyone wants to buy a house and honestly everyone of legal age and competent mind can if they have the will and knowledge. Sure you can buy all the get rich schemes on the web and off the high intensity infomercials but do they really work for everyone? Or do most of them end up on a shelf? Check Ebay when you get done here. It is unbelievable that people pay hundreds of dollars for these so called courses with dreams of making fortunes and then auction them off for 30-40 dollars. That was a terrible investment. They would have fared much better by taking legitimate courses or at least not spending their money.

You may ask, how does one buy a house without money and good or any credit? No joking around Donald Trump does it every time, using other people’s money. If you try hard enough you can find someone to sell you their property with owner financing. You just make arrangements with them for the sale price, the interest rate and term. You and they may prefer a short term loan, say ballooning it in five years. This means you make the regular payments for 60 months. This should be adequate time to get stable income and credit, even if you have filed bankruptcy. Of course there are many more ways of acquiring real estate.

Would you consider selling your own property, or does it scare you to death. It really isn’t that big a deal or a lot of dumb agents wouldn’t be doing so well. Do I sound disgusted with some agents? I am. As an appraiser and broker I have seen a lot of corruption and it enrages me. That’s one reason we decided to do this. But, if you are working with an agent, hopefully you spent some time selecting a good one with an impeccable record. In today’s market contracts are received within minutes of placing a sign in the yard. Contracts are available on-line, at the office stores and in the library. The average real estate sales commission is 6%, which most people don’t know is negotiable. By law there is not supposed to be a set amount across the board. Many times companies offer lower commissions and then some agents won’t show the property and are even bold enough to say so. They will show new construction which is typically 5% but nothing else.

If you choose to sell your property here are some starter points. Make it look good from the street. Decisions begin right there. Many times a purchaser will take one look and say no. Make your schedule very flexible so when they want to see it they can, or they’ll move on. Clean the clutter and dust. Have some coffee brewing or some bread baking. Let the people freely browse the house with you. Don’t lead them. Many times your familiarity with the house causes you to just rush through, but they need time!

Suzie is a licensed real estate broker and certified residential appraiser with 20 years of experience who hopes to improve the industry one step at a time.

http://www.freewebs.com/realestatenews/.

Tags: buy, FSBO, gov, government owned, home, house, insurance, Money, mortgage, real estate, sell, trumpbuy, FSBO, gov, government owned, home, house, insurance, Money, mortgage, real estate, sell, trump

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Woodstoves and inserts are more efficient than open fireplaces and, if properly installed, can be quite adequate. However many difficulties have been experienced, especially with poor connections between fireplace inserts and original chimney flues.

Liability (in the context of this article) is the state of being legally responsible to compensate someone for property damage or injury. Almost anyone involved in a real estate transaction could be open to potential liability. Here is an example which illustrates the issue of liability

A home is sold with a wood burning space heater. If a house fire occurs because of an inadequate installation, who is to blame? The vendor? The Realtor? What about the home inspector? What if the home inspector was able to inspect only part of the total system? What if the type of system required more tools for dismantling and testing, and considerably more time than available?

The key issue here is what the purchaser thinks he or she is getting from the parties involved.

Protect yourself, and avoid potential liability - the easy way.

A complete inspection of any wood burning appliance involves an evaluation of every part of the heating system, from the floor pad to the chimney cap. All of these parts are covered in the codes, so compliance can only be determined if every part is inspected.

The chimney is usually the most difficult part of the system to inspect properly. Chimneys which run up through the house are often inaccessible at critical points, such as ceiling and attic penetrations. In some cases, even though you can see sections of the chimney, they cannot be reached with a tape measure to confirm their clearance to combustible building materials. Flue liners are subject to cracking inside masonry chimneys, or buckling and corrosion in the case of metal chimneys. It is difficult to inspect a chimney liner unless it has just been cleaned.

Why not have a certified wood heating technician perform a thorough cleaning and inspection, before the house is listed for sale?

Most state and provincial fire codes, as well as most household insurers, require homeowners to maintain the safety of their chimneys and inspect them at least once a year. Consulting a certified chimney sweep will ensure the present and future owners’ safety, and help relieve the liability issues for all parties involved.

A certified technician or chimney sweep will prepare a detailed, written report and have the homeowner sign it. He or she will make sure the homeowner understands the report, especially those areas where problems are found.

A Simple Solution:

Aside from the safety and liability issues, if a wood burning installation is disassembled, thoroughly cleaned and inspected prior to the house being listed, all parties will be aware of the physical condition of the system before an offer to purchase is presented.

There will be no surprises after the fact. Deals will not fall through because of defects discovered, or concerns raised as a result of a subsequent home inspection.

Inspection by a certified professional prior to listing can streamline and simplify the process of purchase and sale.

Gil Strachan is a professional home inspector, representing Electrospec Home Inspection Services in east-central Ontario, Canada since 1994. For more information about home inspections, visit http://www.allaroundthehouse.com.

Tags: buy, fire code, inspection, insurance, liability, real estate, safety, sell, wood heating, woodstovebuy, fire code, inspection, insurance, liability, real estate, safety, sell, wood heating, woodstove

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What is a Structured Settlement? A Structured Settlement is a Settlement in which you receive “Structured” payments on a regular basis. In other words, it is a payment plan, in which, instead of getting a large lump sum, you receive smaller payments in increments. These increments go on weekly, monthly or yearly cycles. These settlements are often known as a win-win situation because the payer needs to come up with a lot less money up-front and the payee has a steady stream of income coming in at all times. This process can also be described as Annuity.

When are structured settlements used? Structured Settlements are often, but not limited to, these common situations:

1. Lottery Winnings - Often times, in the Lottery, you can opt to receive numerous smaller payments in exchange for a single larger payment.

2. Malpractice Cases - In situations where a family member is lost or left crippled due to medical malpractice, the party may be entitled to a structured settlement over the span of the victim’s life or as a grievance payment. These payments don’t fix things, however, they are meant to make living a little bit easier for the victims and families.

3. Insurance Cases - In many insurance cases, this form of settlement is used. This is because it is easier to make smaller payments over a longer period of time as well as the damage left behind may be better dealt with over time.

Understanding these concepts are important in the process of properly handling your income. It is important also to understand how money works over periods of time. Over long periods of time the value of the dollar is likely to decrease. This means if one was to receive, for example, $1000 a month for 20 years, that $1000 dollars could only be worth $500 at the end of the term. This is one reason some people decide to sell their structured settlement for a large lump sum.

One people decide to sell their structured settlement there are numerous reasons behind it. The first reason may be that, due to their immediate needs, they need a larger amount of money right away. A good example of this would be when buying a new car or home. Another reason people decide to sell is because they would like to invest it into something that gains equity over time and actually grows in value rather than decreases. Some people want to fight the cost of inflation and take the monthly payments and re-invest. This is the wiser choice of the two most of the time.

When selling your structured settlement or selling Annuity, it is almost always advised that you do your homework first. Don’t sell to the highest bidder right off the bat. Before hand you should read up on what your options are. Seek the help of a broker, a financial advisor and a legal professional first. By doing this, you can protect yourself from scam artist to defend yourself from transactions lacking in integrity. It is always smarter to take the safest route possible. Selling Annuity can be dangerous so it is always wise to make slow and steady steps.

Cash Structured Settlement

Sell Structured Settlement

Sell Annuity

Gage Killian
writer, web-publisher

Tags: annuity, buy, cash structured settlement, insurance, sell, sell annuity, structured settlementannuity, buy, cash structured settlement, insurance, sell, sell annuity, structured settlement

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