Selling Your Own Home – Are the High Priced Commissions Really Worth Having a Realtor?

It really does not matter whether you are selling a house or trying to buy a house, the real estate agent will say that they are working for the seller. On the other hand, if they are trying to find a home for the buyer, then they will say they work for the buyer. No matter what works for them is what they will do. Keep reading if your interested in selling your own home.

In reality, the real estate agent works for themselves alone. They want to get their business built up and earn a good reputation. They need to get their name out there as much as they can, so they try to sell as many and list as many houses that they can get their hands on.

For Sale By Owner (FSBO) signs are vastly different from a real estate agent sign. The FSBO lists the listing ID and a phone number, or maybe even a website. This type of FSBO services keeps the focus on selling your home, which is exactly what you want to do. They will deal with the owner directly and not have to go through a real estate agent. All the real estate agent is concerned with is selling the homes with the larger commissions. If your home is not one of these, then you real estate agent will not try very hard.

If you will look at a sign from a real estate agent, you will notice their picture on the sign, their logo, and their business name. The agent really is not focused on the seller, they are more interested in building up their name and getting their business and picture out there for everyone to see.

The seller is going to have to pay a lot of money to get a big name agent. Many times the agent is so busy you will not even get to meet them face to face. They will most likely send out someone who works for them to get the job done. You really need to do your research and find out if it is worth it to you to hire a real estate agent so they can build up their name and business, or if you would rather sell your own home and save giving the commission away.

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Real Estate Disclosure Laws

These laws legally force the seller of a home to disclose to the potential buyer any serious defects of the property. The laws were created to help protect the buyer from any defects that were not noticed until they closed on the house and become the owners. Many times it is hard to enforce real estate disclose laws because what is considered serious defects may be open to interpretation. Because of this, the laws are constantly changing resulting in many states not having effective disclosure laws. If the state does not have mandatory real estate disclosure laws, they will usually have a voluntary disclosure.

These laws can cover many different subjects so you should consult with a qualified lawyer or real estate agent to find out the specifics of what they cover. In regards to real estate disclosure there are both state and federal laws regarding these laws. Some brokerages have additional regulations for listings they accept. In the United States, Federal law requires disclosure in regards to using lead paint in homes constructed before 1978. The disclosure laws generally cover toxic or hazardous materials and the presence of asbestos and radon gas.

These laws are designed to help protect a potential buyer from buying a home that has known defects or issues. For example, if the home you are considering buying has suffered from earthquake or flood damage these laws will typically require the seller to provide you with this information. In addition to real estate disclosure law protection the buyer should also have a home inspection done by a professional. This inspection can possibly find other potential issues. Sometimes, the lender will require that a home inspection be done before they approve the loan.

In some states, there are long questionnaires that the property owner has to fill out before they can sell the property. This questionnaire does ask about any potential issues or defects with the property. These questionnaires typically cover everything from issues with the land to the wiring and plumbing inside the home. Some of the things that the seller has to disclose include, but not limited to, are:

• Water damage caused by a leaking roof

• Presence of wetlands on a part of the property

• Recent deaths on the premises

Generally, these laws only require that the sell reveal issues that they are aware of. This means that they cannot be held responsible for any problems they were unaware of before putting their home on the market but not every state provides this protection. There have been some cases that the seller can be sued by the buyer after they buyer becomes the homeowner. This is why you need to have expert advice about real estate disclosure laws in your state.

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A Latin Impact on the Finance Industry

Financial Institutions are a fantastic business model to learn from when considering ever changing market conditions. Their traditional target markets are stable, but, the needs of an emerging market, the Latino market is extremely underserved. It is certainly not for lack of money. Many Latinos have zero debt and healthy saving habits. The question arises, are financial institutions doing enough to serve this population? Are they adapting to the Latino needs? The answer is complicated.

There are two types of Latinos in the USA. One is the immigrant seeking a better life and wanting the American dream, whether they came through the proper channels or not it is irrelevant. The second, are the Latinos that are born here. These are two very different groups of people with different needs and goals. Most immigrants bring their culture, traditions, and customs with them to the US. Those born here develop a blended culture that is both Latino and American.

Financial Institutions are taking notice and making strides to accommodate this very economically influential population. The main reason is that there is a lot of investment in education and developing trust. An untold detail is that in Latino countries, people do not trust banks and financial institution because of corruption. Everything is paid in cash and there are no debt or traditional credit scores. This means that the Latino community have cash, probably stored under their mattress or in a shoe box. This is very dangerous considering that a house fire could burn an entire life savings. Another scenario is they could become a target for robbery. This is a foreign concept for Americans. What is happening is a huge learning curve, educating them on the process of building credit, saving their money in a financial institution, getting loans (mortgage, car, etc.), and most important having trust in the financial institutions.

The younger generations that are born here learn from their parents and surroundings. There is still a disconnect from the importance of financial products, building credit, and how that process works. Many of these young people are just translating for their parents, explaining financial products, and become an intermediary for conducting business. You will notice an increase in bilingual support at many financial institutions for this reason. There is still a lot of work to do in this regard, and this process will take time.

However, more and more financial institutions are offering products specific to Latinos. Information is becoming available in Spanish and more financial institutions are hiring bilingual and multi-lingual speakers. It will be interesting to see how we as a country adapt to this important demographic. It is truly an untapped market that has an important function in our economy for growth and stability.

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How to Sell Your Home Even In Today’s Market

It is possible to sell your home even in today’s market. The big question you must first ask though is whether you want to be „on“ the market or „in“ the market.

Lets take a look…

There are a lot of factors that contribute to the value of a home. Even so, the reality is the seller only has control over two of those factors… Price and Condition. A seller can’t control the taxes, the seller can’t control the rating of the local school, the seller can’t control the lot size etc. On the other hand, the seller does have control over the price of the home as well as the condition of the home.

As I heard it spelled out one time during a real estate webinar, there are essentially three places you can be when selling your home…

1. On the market

2. No Man’s Land

3. In the market

If you are „on the market“ you are listed, but not getting any showings or offers. Therefore, you will need to adjust either your price or the condition of the home…or both.

If you are getting showings, but still are not getting any offers then you have entered what is called No Man’s Land. To get out of No Man’s Land and actually start to get offers you will have to once again adjust either the price of your home or the condition of your home…or both.

Where you really want to be is IN the market. You know you are IN the market when you are getting both showings and offers.

So, the trick is to adjust your Price and Condition to position yourself IN the market. However, for most people, the reality is it is much easier to adjust the price of the home than it is to adjust the condition of the home.

Now if you really want to sell your home fast, the best approach is to under-price it 10% below comparative market value.

This approach often times leads to multiple offers and therefore bidding wars which actually drive the price of your home back up. You see once someone has mentally committed to buying a home and has already pictured himself living there, he is much more likely to come up in price when he finds out someone else wants to buy his dream home.

Again, if you want to sell your home you must be IN the market. The price of the home and the condition of the home are the only two factors a seller has control over to position the house IN the market. To sell your home fast we suggest doing only minor upgrades while focusing more on under-pricing your home to generate more showings and more offers and quite possibly a bidding war.

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How a Foreign National Can Buy Real Estate in America

Opportunities for real estate investment for foreigners is wide and varied in the United States. It doesn’t matter where you’re from and what currency you’d be using to purchase a property, you have a property waiting for you.

There are generally three kinds of real estate investment available to foreigners. These investments include the commercial estate investment and residential property investment. Residential properties are further classified into single family properties, apartments or condominiums and recreational properties. Regardless of what kind of real estate you are interested in, there are all sorts of tax ramifications, financing options and legal requirements that you have to deal with.

Why Should You Invest in the U.S. Real Estate Market?

You’ve probably heard of the increasing number of foreign real estate investments in the United States. This is not surprising. With the troubles that the real estate investment market is facing in the United States, greater opportunities in real estate investment were opened to foreign investors.

With the dollar’s value in its all time low, foreign investors are finding real estate bargains all over the United States. There are no shortages of deals in this market. More and more distressed properties are being sold everywhere and foreigners are pouring in millions buying these foreclosed or distressed properties. The United States real estate has become a fairly attractive long-term investment for foreign investors.

In November of 2006, the National Association of Realtors released a report entitled „Foreign Investments in U.S Real Estate: Current Trends and Historical Perspective“. The report showed that there has been a steady increase in foreign real estate investment in the United States. This is especially after the euro and the loonie became stronger in the face of the continuous devaluation of the US dollar. Prime bargains were opened to foreigners. Many foreigners have now looked into the possibility of retiring or settling in the United States.

If you’re a foreigner, you would find a lot of reasons why you should invest in the United States real estate market. Aside from the fact that the floating exchange rate has given you a lot of leverage over the bargaining table, the financial market is a pretty good reason why you should invest in the US real estate.

The financial market in the United States in relation to the real estate market is quite liberal and the restrictions against foreign investors are pretty reasonable. This is ideal for foreign companies that are seeking to invest in the real estate market in the United States in order to avoid tariff restrictions and are considering setting up an office or a company in the United States.

Furthermore, despite the devaluation of the US dollar and the wide foreclosures of a lot of property, the real estate market remains to be stable, though slightly shaky, due to foreign investors‘ capital appreciation. Domestic real estate buyers may not necessarily share the same opinion, but the market has remained to be strong for foreign real estate buyers. This may be largely credited to the fact that there is minimal risk for them.

Why are Foreign Real Estate Investments Safe and Profitable?

There are a lot of investments you can make, but the safest you can make right now is investing your money in real properties. This is another good reason aside from the fact that you can make a pretty nifty profit, if you like, particularly now with the widespread property foreclosures and seemingly continuous US dollar devaluation. This is especially true if you are going to use the euro or the loonie when making your investment.

But why is US real estate investment safe for foreigners?

It is undeniable that stock investments are not a safe avenue at this point. The recession has not only affected the US economy; the same recession has greatly affected worldwide stock investments. Stocks values are dropping. It is also a fact that even without the current economic situation, stock values fluctuates.

On the other hand, real estate investments are pretty stable if you would compare it to stock investments – or even bond or mutual fund investments. With real estate investment, you’d be putting your money in an investment that would grow in value as years go by.

What are the Benefits of Foreign Real Estate Investment?

US state government supports foreign investments and along this line has formulated various tax breaks to encourage foreign investment on real estate. Many of these tax breaks are not available in many countries. In fact, most countries would frown at foreigners owning real properties within their territory.

Foreign real estate investment in the United States is open to everyone. As long as you can afford to buy the property or at least comply with the mortgage requirements and payments, you can secure for yourself a pretty good property in the United States. Again, with the current economic situation of the United States, this is the perfect chance for you to make an investment.

Another great benefit that you can take advantage of is the availability of mortgage financing. Lenders have opened their doors to foreign investors who are looking into purchasing a property. So, you don’t have to actually deplete your bank account. You can actually secure a mortgage loan and gradually pay it off.

I’m Canadian, What Are My Financing Options?

There is a steady increasing rate of Canadian real estate investors in the United States; and accordingly, the government has made certain that they have attractive financing options available to them.

If you’re Canadian – or if you’re a foreigner – you’d find a lot of reasons why you should buy a piece of real property in the United States. For Canadians, the parity of the currencies or the apparent devaluation of the US dollar is a pretty good reason itself. But how do you finance your purchase?

There are various financing options available to you depending on which state you are in. In Arizona, for instance, you’d get favorable financing terms if you are purchasing a property for recreational purposes, that is, you do not derive any income or benefit from your purchase or ownership. You will be required, however, to sign up a disclosure agreement and give a 30% down payment for your loan. To qualify though for a loan, you may be required to show availability of liquid reserves for a period of three to six months. You may also be required to present a minimum of 3-month bank statement.

If you are purchasing a property for investment, you’d probably meet stricter terms. Requirements may be more stringent. For instance, you could be required to give a down payment of more than 30% and you may be required to show one year worth of liquidity reserves.

Regardless of your reasons, if you feel like you can fulfill the requirements of a financing loan, you can then proceed to actually applying for a mortgage loan. Also, keeping yourself updated with the financing terms flux may be a wise idea.

Understanding the Tax Ramifications of Real Estate Investment

The first foreigner to have ever bought a real estate property in the United States was Peter Minuit. This opened the doors to foreign real estate investors. After a couple of centuries later, foreign real estate investment has grown into huge proportions, accounting for billion-of-dollar worth of industry.

The low risk attached to US real estate market, the availability of countless properties, and the steady market liquidity attract foreign investors in droves. The initial snag, however, is the process of understanding the legal ramifications of foreign real estate investment.

What you have to understand is that foreign investment in the United States can take a lot of forms. A foreigner has various options. He can acquire direct interest. He can acquire an interest in the real estate through a partnership, a corporation, or a limited liability company. The latter is the typical structure used by foreign investors.

Limited partnership or Limited Liability Company offers financial protection or indirect asset protection, especially in cases of bankruptcy, law suits and taxes. Foreign investors are generally taxed on the property as if they hold the property in direct interest.

Ideally, you should secure the services of a real estate accountant to help you out with the tax ramifications, but it would help if you, at least, know the basics before you actually talk to an accountant.

There are tax consequences that you have to deal with when you buy a real estate in the United States. You would need an Individual Taxpayer Identification Number which you will use with all your tax transactions. Your investment in real estates can be treated as a portfolio investment and will be accounted for as an investment income which can either be fixed or a periodic income. This is typically taxed at 30% on gross revenues. This tax though does not apply though to all foreign investors. Tax rates would vary depending on the tax personality the foreign investor opted for. For instance, a corporation would be taxed differently.

Other things that you should take note of are availability and requirements of tax refunds and state tax laws on real estate properties as they may differ from federal laws, among other things.

By knowing all these things, you may save yourself from a lot of hassles when you finally approach a real estate accountant. You’d be in same wavelength when you finally get down to talking business. It is, however, very important that you secure the services of an accountant. You’d have an easier time dealing with the taxes ramifications. You’d also have assistance ensuring that you comply with all the accounting aspect of your investment. This is especially true if you are purchasing a real property for investment purposes.

Do You Need to Secure the Service of a Real Estate Lawyer?

If you are considering buying a property in the United States, you need to secure the services of a real estate attorney – someone who could help you with the legal issues concerning your purchase. It is tempting to forego securing the service of a lawyer to save money, but this could cost you a lot of money in the long run. Make sure that you have an experienced and trustworthy lawyer to help you out. Make sure that you have thoroughly checked out his credentials, profile, history of successful cases handled by him, and other factors that would influence your decision. You could check online and look for a lawyer working within the state where you are considering purchasing a property.

Functions of a Real Estate Lawyer

There is no actual distinctive function for a lawyer in a real estate case. However, you would really need the assistance of a lawyer for various tasks. A real estate lawyer would review the sales contract for you. He would also check on the title and other documents relating to the property. A lawyer would also review your mortgage contract and make the necessary adjustments or corrections. You could also get him to review with you the legal and tax issues concerning the purchase. A real estate attorney could also make the necessary adjustments relating to various expenses and costs involved in the purchase. He would assess your eligibility for tax refunds and draft the documents and statements relating to this.

Putting it simply, a real estate lawyer will be your watchdog. He would guide you through the whole process of purchasing a real estate in the United States in order to make sure that you will be legally protected. You will have a capable and trustworthy liaison to help you out with the contract. He will also face legal disputes if any arise.

Tips on How to Invest in Real Estate Successfully

Now, if you’ve fully bought into the idea of real estate investing in the United States, you might just want to know how to go about investing in real estate successfully. If you want to be successful in this venture, the first thing that you have to avoid is overanalyzing. Of course, it is a good idea to carefully think through your actions but it is a bad idea to overanalyze your investment to nonexistence. You might lose a great opportunity.

Before you purchase the property though, it might be wise to check the property value. If it sits well with you and you can reasonably afford the property, go ahead and make the purchase.

If you are considering the property for a quick flip, make sure that the property is in perfect condition and in good area. This is to ensure that you could double or actually triple your return of investment. If you can inspect the property yourself, do so. If not, a good and trustworthy agent can help you with this task.

Another important thing to remember when you’re buying real estate is good financing. You should take your time to carefully consider all your financing options. Foreign investors can email in their queries to various lending institutions. It is a good idea to make sure that you’ve had their terms and rates on paper because they tend to change these terms and charge you with a lot of junk. Your real estate agent can help you with reviewing the escrow charges.

The bottom line, however, is that it is very important that you do your homework before you actually buy a real property. Investing in real properties in the United States can be profitable especially during these times. In fact, it may be the wisest and most perfect investment you can make right now.

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Arlyn DeCicco Turns Tragedy Into Triumph

A Little About Arlyn

Arlyn DeCicco was born on May 2nd, 1954 to William D. and Toby B. Lampie. Despite the fact that she lost her dad from complications after surgery in 1984 and her mom to cancer in 1997, her parents left a strong imprint.

Arlyn learned her work ethic, determination and dedication from her parents and often refers to her mother’s favorite quote, „you can do anything you want to do as well as any man if not better.“

Horses entered Arlyn’s life when she was nine years old. „Hennie Bordwin, one of my mother’s friends, took me to Pepperell, MA where I got to ride a friend’s pony. I was hooked.“

„After I started riding, my brother Mark began to ride. Eventually, he discovered cars and marathon running. I kept riding.“

She grew up riding hunters and equitation in Massachusetts with Brian Flynn. She took clinics with Ronnie Mutch and George Morris. Later she trained with Dottie Morkis, Kathy Connelly, Ernst Bachinger and Belinda Nairn.

During the 1970s Arlyn added Eventing through the Preliminary level to her list of disciplines.

Arlyn’s teaching was transformed after she suffered two traumatic accidents. In 1972 Arlyn was thrown from a horse and suffered a back injury.

„One week after graduating high school I was bucked off in the morning while competing at a horse show. I continued to ride but later that day fell off again from the pain. I was rushed to the hospital in an ambulance and x-rays showed I broke my back (L3 and L4). I spent the summer in bed staring at the ceiling, which is why I can’t ever sit still today. Every moment is important,“ explained Arlyn.

Through her strong determination she survived that ordeal and in 1979 she and her husband Alfred started their first business called Woodlock Farm based in Massachusetts.

In the early 90s dressage was added to her riding and in 1995 she had success on a horse name Sedona who she rode to third place in the NEDA High Score Award at Fourth Level. In 1996 she competed in Prix St. Georges.

The year 1997 was a turning point in Arlyn’s life. She mysteriously fell off a horse when no one was around and was found lying on the ground with what was later diagnosed as a head trauma.

„She was unconscious and was medi-flighted to Beth Israel Hospital in Boston,“ explained her husband. „The left side of her body was compromised as well as her vision – eyes not in sync as I looked at her – double vision. After undergoing a battery of tests the doctors could find no reason for the fall. Arlyn doesn’t remember the horse bucking and prints in the arena, which had just been dragged, suggested she must have passed out and fallen off.“

Being a strong and independent woman, Arlyn convinced the doctors to let her come home just three days later. „Unfortunately, I couldn’t get her up the next morning and had to take her back in for two more days of observation,“ continued Alfred. „They still could not find anything and the doctors said there was nothing they could do.

„She would sleep a lot, but would then wake up in the morning. She lacked taste, except for Starbuck’s Java Chip ice cream which was her staple. The head trauma had compromised her left leg and hand. Before she got back on a horse, which was about six weeks from the fall, she regained enough use of her left leg and arm to drive herself to cranial-sacral therapy and physical pool therapy. She wasn’t able to keep her left fingers closed to ride so she devised a system where she tied reins to our treadmill and performed her own physical therapy.“

While Alfred worried „my attitude was that she would get better. She had her mother’s determination.“

One Determined Lady Figures Out A Way to Go On

„My goal was to continue to ride,“ commented Arlyn emphatically. „Thus I began my quest to obtain knowledge about the body starting with my treating physicians.“

Arlyn already had some knowledge because her mom was a registered nurse who was always asking questions of trainers, vets and farriers. As a curious child, Arlyn would always be sure to glean every word that was said. Arlyn continued asking questions and has added horse muscle therapists and horse chiropractors in her quest for knowledge.

She also benefitted from courses she took just a few months prior to her accident in August 1996. Arlyn became certified as a Personal Trainer by the American Council on Exercise (ACE). The ACE training manual includes human anatomy and bio-mechanics. Little did she know then how valuable that education would become later when she intuitively transferred that over to horses.

As Arlyn assessed her situation with an attitude of not letting anything stand in her way she also realized that she could no longer ride at her previous level. She further realized that she could not MAKE a horse do what she wanted. „All of my organizational skills and talent were of no use to me. I needed a new approach and I had to figure out how to direct my horse’s movement.“

She looked for a way to naturally guide the horse’s energy. The answer came in bits and pieces until it evolved into the philosophy that Arlyn has coined Balanced Equine Training Stretch Supple Strengthen (BET-SSS). This philosophy likens the rider to a man in a dancing partnership and the horse to a woman. The rider needs to learn how to lead the horse’s movement, rather than force or demand it, creating a willing partnership. After having been stretched and suppled, the horse wants to dance.

The concept of BET is to ride the neck as the counter-balance for the body. The goal is to educate riders to have the tools they need to lead their horses without interfering with their movement. Arlyn’s philosophy is „less is more“ and her goal is to have the rider „guide“ the horse’s energy so that they are a dancing couple effortlessly maneuvering around the arena.

Alfred has always been impressed with Arlyn’s attitude and teaching. „For Arlyn it is always about the horse first. If the horse is properly developed then it will perform better because it is comfortable with itself. I have heard many students tell Arlyn that she has the ability to explain new exercises clearly.“

Understanding the Anatomy

Understanding the horse’s anatomy is crucial in training. A horse’s body is extremely complex, and a rider must understand the horse’s musculature in order to know how to supple, stretch, and strengthen each muscle group properly. By training a horse incorrectly, one muscle might unknowingly be developed to inhibit the use and movement of another muscle.

There are four phases of the musculature: anterior, posterior, medial, and lateral. In understanding these four different areas, a rider can understand how to develop a horse correctly and how the four phases interact with one another to create the whole horse.

The anterior and posterior phases of the musculature refer respectively to the muscles in front and back. These muscles include those along the top and bottom lines of the horse, muscles in the front and back of the legs, and any muscles that work in a swinging motion.

While many riders may have heard or used the expression „riding from back to front“ or allowing the horse to move forward from the hind end, few understand how this relates to the horse’s musculature. If a rider does not encourage a horse to work forward from the hind legs or refuses to stretch the anterior and posterior muscles correctly, the horse’s movement and performance will be inhibited and its performance and ability to flex will be limited. This will result in lack of adjustability and possible injury.

The medial and lateral phases of the musculature refer respectively to the middle and outside muscles of the horse. These muscles are located on the sides of the horse and are used when the horse is asked to bend or move laterally.

In order to optimize the medial and lateral muscles, a rider must supple them. This can be done through lateral and bending exercises where the horse is asked to open up and breathe. Once the horse’s muscles are supple and relaxed, the horse will be able to more easily complete the rider’s requests. If a rider begins strengthening prematurely, the horse’s range of motion will be severely restricted. This will result in stiffness, resistance to the rider’s aids, and inability to perform.

BET-SSS in Layman’s Terms

Arlyn’s Balanced Equine Training Stretch Supple Strengthen or BET-SSS revolves around creating well balanced horses and riders by combining aerobic range of motion exercises with a system that develops all four phases of the musculature.

Stretch is the beginning phase when the horse is asked to lengthen its stride in the walk and stretch its neck as long and low as possible making sure the head is not behind the vertical. Once the horse is comfortably swinging in the walk, they begin to breathe and function aerobically. This aerobic exercise puts less stress on the horse’s muscles, joints, and heart and allows the horse to use itself more completely in a relaxed manner. By allowing the neck and head to stretch down, the horse can lift its back and propel itself forward more correctly from the hind end. Once the horse has experienced the rewards of this phase, they will be asked to repeat these movements in every gait and stage of work. The Stretch phase of SSS helps to relax the horse and prepare for the upcoming phases of Supple and Strengthen.

In the Supple phase the horse is asked to move on a circle. The horse may then be asked to lengthen the outside muscles and shorten the inside muscles or, alternatively, to shorten the outside muscles and lengthen the inside muscles. Other, more complicated suppling exercises involve leg yields or asking the horse to move away from the inside leg and rein. By shaping the horse’s neck and body through these movements, the horse opens up its rib cage. This will allow the horse to breathe more easily. After using the suppling exercises, the horse will be free to stretch and use itself more properly.

Strengthen is the final phase and should only be attempted after the other two phases have been completed. Here the object is to build muscle and strength in the horse. This phase can involve riding on varied terrain and work with cavalletti and trot poles. For more advanced exercises, horse and rider can work with gymnastic grids and jumps or the collected, medium, and extended gaits. Each horse’s physical development and mental acuity must be taken into account when developing a Strengthen program.

On The Scene

Now that you are armed with the concept the question remains as to how Arlyn would proceed to use all of this knowledge.

When giving a clinic, she begins with a demonstration and follows that with individual sessions. She has found the best timing is to have a minimum of three days in a row.

Arlyn starts by assessing the situation. „She analyzes the horse and rider as a pair and bases each exercise on their physical and mental abilities,“ explains Brittany Bazeley. „Her understanding of anatomy and physical fitness is applied to both horse and rider to stretch, supple and strengthen and no matter what happens throughout the day, it ends on a positive note for everyone.

„She looks at everything from the ground up. She looks at the horse in the stall and the placement of the saddle on the horse’s back among other things,“ adds show jumper Holly Scapa.

While watching the horse in motion, Arlyn assesses the horse’s range of motion and rideability. She also takes into consideration the rider’s level. Armed with this information she then works with the rider to educate them on what they can do to help improve these aspects. The next step is to watch the combination. The rider’s imbalances are also corrected so that they do not interfere with the horse’s range of motion. Through various aerobic exercises and the philosophy of Stretch Supple Strengthen, the horse’s musculature can be developed to create a more balanced and adjustable horse.

Her Students Speak Her Praises

Few words speak louder than from those who are on the outside looking in and on the inside looking out. The success of Arlyn’s method is repeatedly echoed in the words of her students and clients.

„I observed how Arlyn’s recovery from her injury enhanced her ability to teach and ride horses,“ commented Martha Weckel. „After the injury, her ability to ‚feel‘ for what the horse needed was that much more amazing. She could no longer ‚make‘ the horses do their jobs; rather she had to guide them as their ‚dance partner.'“

Dr. Heather Mack added, „I have learned to be a solid dance partner with my horses whereas before I was mostly just trying to stay out of their way.“

„What I learned is that you have to ride both sides of the horse. What we tend to do is ride whatever direction we are going and you need to ride both sides going both directions,“ explained Holly Scapa.

„Arlyn’s extensive knowledge of the anatomy of the horse and rider along with her unique training methods has helped put many struggling horses and riders on the road to successful balanced riding. Aryln doesn’t just teach you how to sit on a horse; she takes the time to teach you how to really ride,“ commented Julie Weisz, winner of the 2003 Onondarka Medal Finals.

„Arlyn is deeply committed to improving the physical and mental state of the horse. Her method works,“ noted Sally Black, owner of Blackland Farm.

„When horse and rider are both balanced you have a willing partnership. The horse doesn’t need to be forced or manipulated. You have a happy horse,“ commented Diana Yeater, owner/trainer.

„Watching Arlyn ride is classical. She doesn’t force; she flows with the horse. She is able to get a horse to soften and collect. She’s like watching poetry. She teaches the horse how to use its body properly,“ noted Dino Fretterd, Equine Body Worker.

„You can already walk, trot and canter. You don’t need me to do that. I’m here to help you and your horse do it better,“ is how Sally Haddon explained what she heard when Arlyn helped her son, Gatlan.

Miniature Horse owner Susan Hopmans of LaVista Farm added, the fact that this program allows horses to be all they can be and never forces makes my heart soar. It has such a calming and centering effect on the horses. The end result is a relaxed horse that understands and enjoys what is being asked.“

Jumper rider Joie Gatlin’s former stable manager Darren „Dagwood“ Roberts is a fan as well. „She has an intuitive knowledge of how their minds and bodies work. She was a huge part of Sun Cal’s King’s many successes.“

Show Jumper Mandy Porter who competed at the 2009 Las Vegas World Cup remarked, „Arlyn considers the wellbeing of the whole horse and the reward is a whole horse.“

Amateur-Owner jumper rider Mia Beckham noted, „Arlyn was the first person that did not try to teach me how to win. She taught me how to ride.“

„She has given me the skills to tap into my horse’s physical and emotional potential. They are so content and confident in their bodies and my riding of them,“ concluded Dr. Heather Mack.

And there you have it. Aryln has turned tragedy into triumph and our horses thank her.

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How to Protect Yourself As a First-Time Homebuyer

Buying properties in Florida takes more than just contacting the seller or their real estate agent. To get the most value for your money, it helps to know the many ways you can protect yourself as a buyer. To the first-time home buyer, one might get so excited going through the public listings and try to negotiate with the real estate agent or the seller himself. But without professional advice, there are many ways that additional costs can easily add up. These are costs that the new home buyer may not realize until the final transaction or closing.

First of all, it helps to know that there are different agent relationships in Florida. There are transaction brokers who are there to facilitate a transaction with neither loyalty to the seller nor the agent. Then there are those seller’s agents whose main role is to get the highest price for the seller as well as protect the seller’s interests and facilitate a fast sale. The third agent relationship is a buyer’s agent but working in a listing office. This clearly has a conflict of interest because they may have the buyer’s interest in mind but, since he/she is working in a listing office, said buyer’s agent is bound to protect the interests of the listing office as well.

These options do not really have the full buyer’s interests in mind. Yet, for a first-time home buyer, doing it on your own may present you with surprises like hidden costs in terms of repairs or closing costs passed on to the buyer. There are many other surprises that a new buyer may not realize, and your best bet is to have an agent whose interests are fully for the protection of you as the buyer. With having a buyer’s agent, you have peace of mind that you have a professional who knows the right questions to ask the seller or the seller’s agent, who knows how to negotiate, and lastly to determine the correct value for the buyer’s money.

For example, what is the current real estate market trend in the area? Are there repairs needed and what is the best way to negotiate about the repairs? When was the last time the roof was changed? Is there no past repair that still has a record of a violation?

These are just a few of the many other issues that can come up for first-time buyers. It helps to have a real estate professional, an agent whose sole motive is to protect the home buyer.

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How to Save for a House Down Payment – 5 Awesome Tips

Top 5 awesome tips to save for a down payment

Want to own your own house? Well, who doesn’t? You may not be looking to buy a house now but eventually you will. Owning a house is a dream of most people but only a lucky few manage to get a home that they really want. You are not alone if you are worried about saving enough money for a down payment. Hopefully, our tips for saving money will help you gather the amount required for the down payment on the flat that you have been eyeing.

Your bank will finance almost 80% cost of the house/flat (in some cases 90%). The balance is down payment that you will have to self finance. This is a substantial amount for a middle class family. For example, If your 2 bedroom kitchen costs Rs. 30 Lakhs, then your bank would finance up to 24 lakhs and the rest 6 lakhs has be self financing.

Home buying is a complex decision especially if you are a first time home buyer. You will need professional help that will help you get the best homes at best price. Enough money in the bank before going out shopping for a house will give you confidence and peace of mind while choosing a home. We are going to share some tips For saving money here that will help you take control of your finances and save for that daunting looking down payment.

1. Track your spending and expenses

OK, we admit this is one of the most boring and clichéd tips for saving money BUT tracking your spending really works. There are a plethora of apps and websites that help you track your spending and keeps a running total of the amounts you spend on specific items or categories.

This process is an eye opener for many. Sometimes we don’t see the obvious until an app tells us!! You will need to cut down on luxuries and divert money towards savings. Finding out where your money goes is the first step in figuring out how to keep more of it in the bank.

2. Invest in Mutual Funds- Don’t be afraid, Research

Do a simple research on the power of compounding or power of compound interest and you will understand why mutual funds are one of the most popular methods of investing these days. India has seen, in the recent times, a sudden spurt in the number of people investing in mutual funds. While there are many things that you need to consider before investing in mutual funds, we recommend that you start a monthly SIP in an equity fund that matches your risk appetite.

Generally, equity funds are the best since they offer you high rates of returns. These funds are also risky because the market fluctuations in these equity funds can be regular affair but over a period of time Mutual Funds usually offer better returns than the Bank FD rates.

Go to a website named valueresearchonline.com and read about Mutual Funds. The end decision is yours but we speak from personal experience-mutual funds offer good returns on investments. There are multiple number of SIP calculators that will help you plan the exact amount of savings, you require each month to reach your down payment in a particular period of time. For example if you are planning to buy a house in 2020, A mutual fund SIP calculator will tell you how much money you need to start saving for your 20% down payment.

This method of investing is not one of the usual tips for saving money but is a method that helps grow your money.

3. Make a Monthly budget and stick to it

Sticking to a monthly budget will be tough especially if you are used to a life of indulgence and luxury. Sticking to a strict budget often isn’t a lot of fun and is challenging. Remember, A penny saved is a penny earned. Having said that allow yourself an occasional treat or two but treat it as an exception and ALWAYS make up for the cost of this exception in other activities. Some belt-tightening now is a minor sacrifice that will quickly be forgotten when you are getting the keys to your new home.

4. Start Saving Early

Have you heard of the saying well begun is half done? One of the major deficiencies of our education system is that we are not taught financial literacy at a young age. We are not taught how to save and why to save. We don’t know about long term and short term financial goals.

Although our moms always insist on saving, majority of us lack proper financial literacy. Start saving early, dedicate at least 15 to 20% of your salary savings each month. Start with your first job when responsibilities are less. Some people save as much as 50%n of their savings while they can. Among numerous Tips for saving money this one is the most powerful.

Benefits of starting to save early is that by the time you reach 30 you will have enough money for a down payment on your house.

5. Look for ways to boost your income

For most of us middle class salaried people, there is only one source of money coming in (i.e. monthly salary). At the most, both husband and wife are working so in such cases there are two sources of money coming in. The number of avenues through which the money goes out is always more than the number of ways through which money comes in. Consider your income and expenses as an upside down funnel. Every successful person understands that additional sources of revenue need to be created in order to save money.

There are many ways through which you can create an alternate source of money. You can consider starting a blog, YouTube channel or simply affiliate marketing. You can start an online store and make good money if you have done proper research. There is multiple number of videos online through which you can learn about online businesses.

You don’t need a considerable investment to start any of these activities. All you need is a laptop and some time. There is TedX video on YouTube which says that you only need 20 hours to learn a skill to a satisfactory level.

Your budget consists of two parts: money coming in, and money going out. You’ll get the best results if you make improvements on both sides.

Open a saving bank account for the purpose of down payment and consider it untouchable. Barring a major emergency, don’t even toy with the idea of spending any of that money until you are ready to purchase a home. It’s easier to keep an off-limits down payment fund if you set up a separate account dedicated solely to this purpose.

Treat this bank account as a black hole in which light goes in but nothing comes out.

Here is a video with some more tips for saving money

https://www.youtube.com/watch?v=PYUUCA0MpD8&t=141s?rel=0

Conclusion

We hope these tips for saving money for a down payment on your home have helped you. Saving for a down payment on your home is tough but not impossible. There are other things that you can do to get financial benefits. For Example, Pradhan Mantri Awas Yojana is a great scheme that has benefited millions.

Also Listen to the Podcast

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Why Calls-To-Action Are Important

What’s a call-to-action? In marketing, a call-to-action or CTA is an instruction to the audience to provoke an immediate response, typically using an imperative such as „call now,“ „find out more“ or „schedule an appointment.“

Calls-to-action take on many different looks and purposes when you’re marketing your real estate business. You’re in business to sell homes so you need to generate new leads and referrals and to do so, you need to direct prospects to engage with you. This is where calls-to-action can help. A button, a banner and links are all calls-to-action and they always perform better when there is a sense of urgency.

Common Calls-to-Action

Download. Whether it’s a First Time Buyer’s Guide or Tips to Get a Mortgage, offering prospects something of value in exchange for their email address is a great call-to-action. Remember not to ask for too much in exchange or it will suddenly become a burden and the prospect will not follow through. Simply ask for a name, email and maybe one other piece of information like a phone number. The more you ask, the more you risk a higher abandonment rate.

Share. It can be a button or a word hyperlinked. Use this CTA when you want someone to share your social message or blog post. There are plug-ins available that will appear in your choice of spots on the blog post, but typically, a share CTA at the top of the post performs best. Facebook offers businesses a call-to-action on their pages. Leverage these to direct visitors to your website to connect.

Subscribe. If you have a blog, add a „subscribe“ button. Place it in a few spots on your blog, particularly the first page in a column to the right or left of your content. You can add a „subscribe“ pop-up when viewers are almost finished reading your article.

Scheduling. Offering a link to an online scheduler is a great CTA as your prospect can book an appointment with you without calling or leaving messages or any hassle. A link to a scheduler in an email or on a web page is easy for the visitor to use outside of office hours. A scheduler offers a calendar sharing only your available time. The client schedules time and you receive a notification. You can confirm the appointment or send out an alternative time. Online appointment booking is easy and client friendly, and the best part is that appointments can be made seamless through your email system 24/7.

Note that the online scheduler is probably used the least and offers the most value within emails. Leverage the online scheduler within your „new listing“ emails to help clients schedule tours or setup appointments to sign papers. Add a link to your email signature and remind clients that they can book appointments according to THEIR schedule by using the scheduler.Impress upon the urgency to book time to view new listings in a very tight real estate market directly through your email signature.

Get More Information. This CTA is typically at the end of an article or web page. The CTA is to answer additional questions by contacting you or entering information in a contact form.

These are just a few of the CTAs commonly used in marketing to convert a prospect into a client. Add CTAs to every web page, blog post and email newsletters to generate interest while providing another touchpoint, a reason to connect with you.

Try an online scheduler within your email signature. You have a call-to-action in every email you send. Clients can schedule appointments online and book time on your calendar-without calling, emailing or any hassle at all. See how calls-to-action like online scheduling can increase your business.

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How To Sell Your House on The Internet

Did you know that over 88% of all house buyers search for their house by looking on the internet? The internet has become the primary medium for potential buyers to search for a house. Using the internet to market your house is a comprehensive mass marketing approach to selling a house. And when selling your house on your own you need to take an all out approach so you can distribute the message that your house is for sale to the masses. You also need the message to be loud, clear and appealing. There are many websites that can assist you in selling your house, though some are more effective than others, and these websites will get you as much exposure as any real estate agent will get you. Regardless of what website you do choose to use, make sure you have great pictures and a great virtual tour to upload to the website. Great photos and virtual tours sell houses.

Since 88% or more of potential buyers will use the internet to search for their next house, it is clear you need to focus your attention to internet marketing and make sure you are marketing in all the right places. So where do you market on the internet? Don’t waste your time marketing in places where your house listing will get mediocre or zero exposure. Based on years of experience we recommend you only market on effective internet websites that have been proven to get mass exposure and successfully sell houses. We have many websites to recommend, but there are a few that stand out. Most of which are FREE.

The first place to market your house is Craigslist, which has become an excellent online classified resource used to sell real estate. Make sure your headlines and ads sparkle and the content of the classified is clear and detailed. Make sure you respond quickly to inquiries since internet prospects will continue to look for houses to see what else is around the bend.

The second website is Facebook, which now has over 140 million unique visitors in the U.S. and can give you incredible trustworthy exposure. You can share your listing with your friends or create a separate new page specifically for your house.

The third effective internet resource to market your house is Postlets, which is a website service that automatically posts your house listing on many other online websites. It’s easy to use and gives you great exposure to the masses.

The fourth are for sale by owner websites, also known as „FSBO“ websites. FSBO Websites are the Do-It-Yourself option that allows you to market your house listing through the Multiple Listing Service („MLS“) system, which was once a place exclusive to real estate agents alone. Marketing through a FSBO website will give you the same exposure 99% of real estate agents have. And if you combine that exposure with the other places we’ve touched upon, you will outshine most real estate agents‘ marketing efforts.

Now of course there are other great places to market your house, but the ones listed will get you pointed in the right direction.

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