When you have a chance to get loans that don’t ask for collateral pledge, then what you might say for that chance? You might just celebrate that moment as the great time to get loans since not all of banks can give such opportunity to take loans without collateral pledge, rather than when you take New Jersey Short Term Loans. With this opportunity in your hand then you can manage to have loans whenever you need it without you have to worry about the collateral pledge that you have to give as the guarantee before you take loans with you. Can you even imagine this great chance that you have in front of you so that you will be able to take loans without any problems? You can also have more information for loans that don’t care about the bad credit record when you have MN loans for bad credit. With these loans in your hand then you don’t have to worry even when you have to take loans that is usually becoming a hard deal before. With this chance in front of you then you can take loans anytime even when you have no collateral pledge that you can give as the guarantee or when you have no good credit record that can ensure them to give you loans, click here for more info.
Enjoy the facility and good area in Mumbai’s apartments
To get ready to have property that you can sell later on will be a good investment that you have in your life. You can say that now you have good time with your money that you have in your pocket, yet if you don’t prepare yourself to have investment that you can use later then you can possibly suffer bad impact later when you have run out of money or else when you need fast money to cover your problems about money.
Apartments in Mumbai can be good insight for your investment since this area is a good place for not only family living, yet you can also keep your house there for some time and then when you feel like sell it your money will be doubled. A good property in Mumbai will be a good reason for you to invest your money there since when you have gotten your place there then you won’t have to worry about your future anymore since this property will keep your position safe.
The value of land or house that you have will be doubled along with the value of the area that you surrounded your investment. And as you know, real estate in Mumbai has become a top notch area that the value always adding along with the time so that you will be able to get more money rather than when you pay for it for the first time since many people will love to pay for your place in this area when you willing to sell it. This is why you can just pay for a great place in this area as your investment or even for your private place to gather with family securely. You can just get this property as yours and enjoy the money later on.
Bathroom remodeling ideas
Bathroom remodeling ideas is very tricky and as well hard to put down on building designs. The basic difficulty which interrupts the progress of work is the price.
Although most of us would truly love to have our bathroom remodeled into into our ambition bathroom, it sometimes is just not imaginable with the budget at hand.
Hence, in this article I've included some very simple and yet low-cost set of bathroom remodeling ideas that are wallet friendly, though some of the later ones are rather costly, which you are able to implement as a part of your dream bathroom.
You can find great bathroom remodeling ideas by visiting new houses for sale nearby to find out what the constructors/renovators have done. Constructors not only use elegant designs and materials but they also pay attention to price tags in order to ensure a good return on their investing.
You can also get many bathroom remodeling ideas from various home remodeling mags.
At that place are several ideas that you can consider on the subject of small bathroom remodeling. These are some of the actual ideas that you can consider while remodeling your bathroom.
The 1st thing that I prefer to suggest when it comes to bathroom remodeling ideas for small bathrooms is that, never cramp up a small bathroom with unnecessary and impractical appliances.
The best thing that you are able to implement while remodeling your bathroom installing smaller and simpler versions of sinks, bathroom mirrors and a shower stall. The basic advantage of reducing the size of the accessories is that you get a lot of space in the bath to move around in.
Making easy small bathroom remodel ideas as well proves to be extremely helpful. Hence, try out some simple amendments such as, changing only the hardware of the bathroom or repainting some portions of the bathrooms, which happens to be an excellent small bathroom makeover idea.
For many of us, it could be tricky to afford to enact all of their bathroom remodeling ideas at the same time. All the same, a authoritative plan on the order in which the roles are done will have to be invented to make sure it can flow together. To do this, the complete project will have to be planned to identify which can be done individually and which need to be done together.
Flooring is a major undertaking in some bathrooms and if, after the floor is installed the home owner decides of different cabinets, the flooring may not match as well.
When sketching out the bathroom remodeling ideas confirm all the items that matter will be available when the next phase begins. This can lead to problems, but leaving some of the plans open to change can still make it possible.
Beauty salon designs
Leading world brands, recent trends in the field of design, the best manufacturers on 1300 square meters! Such it was possible thanks to talent of the architect and desire of owners of capital salon Dobrynja to show to exacting clients a maximum of possibilities in design.
The main task at planning of an interior of salon was wise to zone space so that each brand and installation became self-sufficient мини show. Interesting and not ordinary feature of salon Dobrynja was that the client can choose not only a tile or to the sanitary technician, but also completely to pick up details of an interior and a decor for apartment or at home: from the amalgamator to a sofa.
First of all, among zoning elements podiums on which various installations took place have been used. The second very wise the decision became illumination – each zone, each collection or each presentation has individual light.
If to speak about color for such considerable quantity of subjects and expositions it was most logical to use the white: he has favourably underlined all color scores brand production. Besides, white visually increases space that such style and subject variety is especially important for salon, in which.
In elite salon there was a place not only to the subjects necessary for arrangement of apartment, but also for employees who with a pleasant smile and professional consultation meet visitors: easy plastic white furniture – the fine decision for workplaces.
It is absolutely imperceptible against refined collections and at the same time underlines a functional accessory.
Bad Credit Personal Loan Providers
Throughout dire occasions of monetary need and poor credit stress, among the best ways to handle hard occasions is thru the help of poor credit personal financial loans. These personal financial loans offer an immediate means to fix your financial problem.
To help those who have a low credit score situation, you will find firms that offer their services badly credit personal bank loan companies.
Poor credit personal bank loan companies help to individuals who require some financial assets. An unsecured loan is really only a loan. However, it's unsecured, which is for a while of your time only. For those who have already cheated this kind of short term installment loans, your deadline for having to pay up will most likely fall around the next pay day. But there are also companies of poor credit personal financial loans that specify to start dating ? regarding when this type of loan ought to be compensated. In either case, the quantity of the main sum is compensated entirely. Also, a small % of this principal sum is added as interest. The private loan ought to be compensated on or prior to the date it really matures.
Poor credit personal bank loan companies offer various programs as well as other packages. All of these rely on your qualifications. Furthermore, the companies also their very own criteria if this involves supplying financial loans. Among the qualifications needed would be that the interested party ought to be employed full-time with similar employer for a minimum of three several weeks or he must have a stable and regular supply of earnings. In addition to that, the party also needs to provide the loan company contact details like a home and work telephone numbers.
If you wish to make the most of bad credit personal loans providers' programs and packages, you can test searching the web for details about these. By doing this, you are able to compare and find out which of those will best meet your requirements and financial capabilities.
To help those who have a low credit score situation, you will find firms that offer their services badly credit personal bank loan companies.
Poor credit personal bank loan companies help to individuals who require some financial assets. An unsecured loan is really only a loan. However, it's unsecured, which is for a while of your time only. For those who have already cheated this kind of short term installment loans, your deadline for having to pay up will most likely fall around the next pay day. But there are also companies of poor credit personal financial loans that specify to start dating ? regarding when this type of loan ought to be compensated. In either case, the quantity of the main sum is compensated entirely. Also, a small % of this principal sum is added as interest. The private loan ought to be compensated on or prior to the date it really matures.
Poor credit personal bank loan companies offer various programs as well as other packages. All of these rely on your qualifications. Furthermore, the companies also their very own criteria if this involves supplying financial loans. Among the qualifications needed would be that the interested party ought to be employed full-time with similar employer for a minimum of three several weeks or he must have a stable and regular supply of earnings. In addition to that, the party also needs to provide the loan company contact details like a home and work telephone numbers.
If you wish to make the most of bad credit personal loans providers' programs and packages, you can test searching the web for details about these. By doing this, you are able to compare and find out which of those will best meet your requirements and financial capabilities.
Reverse Mortgage Information’s
Before getting a reverse mortgage, senior citizens should get benefit that all available in reverse mortgage information. A common theme has lost seniors seeking reverse mortgage information is the subject of the statement. While seniors can defer payment until they die or sell your home, the loan will be at the right time. When it comes to selling your home after taking a reverse mortgage, many older people are more confused about the reverse mortgage available. The fact is that older people may decide to sell their homes at any time but must be aware that this is your loan is due.
To get the maximum credit from www.seniorreversemortgage.com, borrowers should stay home for a few years after obtaining the loan. Seniors who spend in the near future in order to acquire more of the HECM for purchase program, the elderly, a home with a reverse mortgage would benefit. While the collection of information, many older people are also interested in how your loan will be repaid at his death. Reverse mortgages are due when the loan for all borrowers die. If there are two borrowers, both individuals must disappear before your lender can demand repayment.
When there are surpluses, borrowers can choose to receive their passive income in several ways. Seniors can choose whether to receive their income as long-term line of credit, payments for land, payment of long-term payments of the country if they changed or modified. Want to get borrowers to make payments on the long run, get fixed monthly payments for a specified period. The payments are monthly payments of land, is home to the borrower to continue. Borrowers to open a credit line that you choose will have free access to their funds increases, the estimates as the home. The term and change the settings, the mandate for a credit line, and long-term employment to combine payment or change.
Finding the Most Suitable Townhouse for Rent Effortlessly
Choosing a place to live becomes a crucial thing to consider because the chosen place will definitely influence the quality of your life. If you are able to find a place to live that perfectly suits you, you will likely be able to pursue your happiness more easily. In fact, when you are happy, your life quality can increase. As if you plan to move to Atlanta, you surely need to find the most suitable place to live. Luckily, there are many townhouses, apartments, and homes for rent in Atlanta these days so you have many options to choose.
However, since you need to choose the most suitable place to live, you surely need to make a thorough research before choosing a certain property. For this purpose, you seemingly need to thank internet for it gives you unlimited chances to find the most suitable townhouse for rent in Atlanta effortlessly. This is possible because nowadays, there are many property or real estate companies offering their services online. When you need to find a property for rent in Atlanta or other places in the world, you just need to go online and visit the websites of property companies to find list of properties for rent. This opportunity avoids you from leaving your place to get information about properties for rent as you can get comprehensive information from the comfort of your home.
Because there are many properties companies offering their services on internet, you surely will not have difficulties to find list of properties for rent in Atlanta. In this situation, what you need to consider is the quality of the online property company. You have to make sure that you use information from a high quality online property company because such company usually has accurate yet honest information. So, if you are interested I finding the most suitable property for rent effortlessly, you had better use a reputable property website.
Choosing the right Realtor/Real Estate Agent
- Ask for recommendations from people who have just sold a home in your area, or call a local real estate office and speak to the manager; ask the manager to recommend an agent who specializes in your type of property.
- Choose an agent who specializes in your area. Particularly in larger towns and cities, it’s wise to find a realtor that specializes in your neighborhood. A realtor’s neighborhood-specific knowledge can assist you with making savvy investments that account for factors other than just the property itself (schools, local amenities, neighborhood culture, etc.).
When it comes to selling your property, a realtor who specializes in your area will have a particularly distinct knowledge of what the neighborhood market is like, comparable recent sales, and winning strategies. While realtors who cover a more wide-ranging area can certainly also obtain this information through industry databases, personal experience within a smaller area will give you that extra edge. - Invite the agent to your home for an introductory meeting. Since you will be spending a lot of time with this person, it's a good idea to establish trust and a solid working relationship early on.
- Put together an information sheet that lists your home's features and best qualities, especially those that people might otherwise overlook. Give this to the agent, who can use the information to write an attractive listing to help sell your home.
- Ask the agent how he or she would establish a price and promote your home.
- If you are unsatisfied with the agent's plan or personality, graciously thank the agent for taking the time to meet with you, and repeat the process with another agent.
- If you are happy with the agent, make a commitment to yourself to stick with him or her; it can be time-consuming to jump from agent to agent.
The real estate office can tell a lot about the agent you'll be
working with. Is the office attractive and organized-looking? Is it
easily accessible? Is the office open 7 days a week? If not, does it have a schedule showing at what time you'll be able to get the agent in? Is the agency a member of a multiple-listing service - that is, are its listings available to all other agents and their buyers?
Finally,
Remember that the agent doesn't have the final word - you do.
Don't let your agent pressure or hurry you into making careless
decisions. You own the property and in as much as you depend on the agent for advice and real estate agency, you have the power to say "it's a Yes," or "it's a No."
6 Tips For Buying a Home in a Short Sale
By preparing for a real estate short sale, you can emerge with a great home at a favorable price. Short sales can be lengthy and difficult, but if you know what you're doing, you can end up with a great deal. When sellers need to sell their home for less than they owe on their mortgage, they're shooting for a short sale. Short sale homes can sometimes be bargains, but only if you do your homework, stay patient, and remain unemotional during the sometimes lengthy and difficult short sale process. Here are six tips for protecting yourself emotionally and financially when bidding on a short sale;
1. Get help from a short sale expert
A real estate agent experienced in short sales can identify which homes are being offered as short sales, help you determine a purchase price, and advise you on what to include in your offer to make the lender view it favorably. Ask agents how many buyers they've represented in short sales and, of those, how many successfully closed the transaction.
2. Build a team
Ask agents to recommend real estate attorneys knowledgeable in short sales and title experts. A title officer can do a title search to identify all the liens attached to a property you're interested in. Because each lienholder must consent to a short sale, a property with multiple liens, like first and second mortgages, mechanic's and condominium liens, or homeowners association liens, will be harder to purchase. A title search may cost $250 to $300 up front, but it can help weed out less desirable properties requiring multiple approvals.
3. Know the home's fair market value
By agreeing to a short sale, lenders are consenting to lose money on the loan they made to the sellers to purchase the home. Their goal is to keep those losses as low as possible. If your offer is dramatically less than the home's fair market value, it may be rejected. Your agent can help you identify the price that's good for you. The lender will determine whether approval is in its best interest.
4. Expect delays
There are two stages to a short sale. First, the sellers must consent to your purchase offer. Then they must submit it to their lender, along with documentation to convince the lender to agree to the sale. The lender approval process can take weeks or months, even longer if the lender counteroffers. Expect bigger delays if several lienholders are involved; each can make a counteroffer or reject your offer.
5. Firm up your financing
Lenders will weigh your ability to close the transaction. If you're preapproved for a mortgage, have a large downpayment, and can close at any time, they'll consider your offer stronger than that of a buyer whose financing is less secure.
6. Avoid contingencies
If you must sell your current home before you can close on the short-sale property, or you need to close by a firm deadline, your offer may present too many moving parts for a lender to approve it. Also, consider ordering an inspection so you're fully informed about the home. Keep in mind that lenders are unlikely to approve an offer seeking repairs or credits for such work. You'll probably have to purchase the home "as is," which means in its present condition. This article includes general information about tax laws and consequences, but isn't intended to be relied upon by readers as tax or legal advice applicable to particular transactions or circumstances. Consult a tax professional for such advice; tax laws may vary by jurisdiction.
Real Estate Global Page
Real estate, etymologically speaking real property which refers to land, either commercial, industrial or residential. Nowadays real estate business is growing rapidly. Buying property in your area getting tougher and tougher.
You can’t roam every place in search of property, at the end after lots of hard work who says you are through it. Here is the place, end of your hard journey. Real Properties for buying, selling at your finger tip, Go ahead, search as per your need with lots of ease and happiness.
Global Property Experts
We provide experts who evaluate your needs and conditions, helps in finding your dream property. We kept handy guide for practical evaluations, tips for purchasing etc. with which your road becomes less trodden.
Global Property Questions
There are many questions which would be popping in your mind like what should be kept in mind while buying property? , how can I get profit if I am investing money? Etc. there would be lots of hustle and bustle in your mind
Global Property Mind-sets’
Here are some tips which would definitely help in getting best property in search.
Global property buying
Analyse the market, Market analysing places a vital role, it gives information about the current trend of market, property hypes and many issue which are currently insight.
Agents, who are expert in present market, deals regularly know market very good so you’re free from all worries.
Global property renting
Renting your body soul seems offsetting the mortgage, property maintenance, and cost of renting. You make sure it’s worth renting your property.
There are many fears in landlords about tenants turning landlords, litigations in events with tenants
Global property selling
Investor definitely want handsome amount of profit through selling property but time isn’t in his favour then his profit might get converted loss. So in the end all matters is getting good returns.
To secure good amount from investment we kept many guidelines which help in following your path.
Global property experts
Global property expert are very skilled person who analyse market day to day trend and make your queries clear. Our aim is to help you make aware which ultimately result in good decision
Global Property suburb
Are you keen to know about all small area properties which are not well known but still want information? Then your search ends here we include almost all small suburbs which reside in your city area. We bring important information about suburb of leading cities in India which contain information like prices in that area, its total size, etc. which are very useful.
How to Find a Good Real Estate Investment Property in Australia
Seek Bargains
This is absolutely a necessary step when it comes to finding properties with excellent potential as flipped properties. Bargains are often sold at bargain prices for a reason. The good news is that many of these reasons are purely cosmetic and quite simple to fix. Finding a realtor that is willing to work with you for lower prices, bargain properties offer an excellent place to begin. If he or she is a knowledgeable professional you should have access to properties that would have been unavailable to you had you continued the search without the assistance of a professional.
Another great place to find bargains of this nature is to search through foreclosures, auctions, and homes that are preparing to enter into foreclosure. While not always the case, there are many in these situations that are willing to be a bit more flexible with the price. Never offer full asking price first. Start low and negotiate up. This may lose some properties but in the end it will be a much more profitable venture if you can get the properties you want for a smaller investment.
Know the Neighbourhood
Before placing a bid on a potential property for flipping you need to learn as much about the neighbourhood as possible. You do not want to place a family home in the middle of a retirement neighbourhood, nor do you want to place a potential bachelor pad in that type of area. You also want to avoid areas that are entering a state of decline, as the rehab efforts are unlikely to achieve the profits you are hoping to receive. Instead, look for bargains in areas that are approaching some sort of renewal or have very low crime and excellent growth potential.
If you are rehabbing a home that is meant to appeal to families make sure the neighbourhood is safe, has a relatively low crime rate, access to good schools, and entertainment opportunities that may appeal to families. These things will affect the price you are likely to be able to expect once the rehab efforts have been completed as well as the type of renovations you will need to perform on the property. Buying a property in an area that you know nothing about is like buying a property without an inspection-which brings me to my next point.
Get a Thorough Inspection
This is one of the most important steps in the process of selecting the perfect property for your real estate investment needs. A qualified inspection will prepare you for any problems that may arise during the course of your work on the home. These are things that will affect the amount of money you should offer on the home, the amount of money you will need to invest in repairs, and the amount of money you can expect once all is said and done.
Failing to have a complete and proper inspection can lead to disaster when the renovations begin costing extra money and time as efforts are undone in order to get to the root of the problems as you go. There are very few things that can save you the time or money that having a decent inspection can manage to save. Inspections can also make you aware of any structural problems, code problems, and other problems that may mean the difference between this property offering a possible profit or a probable loss. It is much better to be armed with this knowledge before ever making an offer on the property in question.
Realize that you do not need to buy the First Property You See
This is an important thing to remember. If the first property doesn't speak to you, move on until you find one that does. This process is part science and part inspiration. If you are uninspired by a property it is unlikely that this property will suddenly take on a life of its own in order to suit your real estate investment needs. Keep searching until you find the property that meets all of your needs in order to find the perfect property for your first or your fiftieth flip.
Prime Business Funding
When you've got organizations there are lots of stuff that you should prepare. To create your company run smoothly you will require loan. There are plenty of companies that offers you loans. Among the companies that you can rely on for this type of mortgage is actually Excellent Enterprise Funding.
You can use the credit to perform your business such as for your working capital, to expand your company, for payroll, to get tools and more. Business Loan' Prime Business Funding offers you business financial loans that suggest the total amount could be small , it wouldn't require guarantee. There are several benefits that you can get once you submit an application for this kind of mortgage at Perfect Business Money including quick approval, simply no report with regard to business bank loan or perhaps unsecured loan, hassle-free software, fantastic terms and charges and many more. This is actually the mortgage that you'll require for your business. It's very simple and also quickly Working Capital For Your Business to obtain the loan.
For you who are serious to have Best Small Business Loans Today you can check their site at Primebusinessfunding.com. Here is the greatest company that you can have confidence in to obtain unwarranted mortgage to your shopping mall organization.
You can use the credit to perform your business such as for your working capital, to expand your company, for payroll, to get tools and more. Business Loan' Prime Business Funding offers you business financial loans that suggest the total amount could be small , it wouldn't require guarantee. There are several benefits that you can get once you submit an application for this kind of mortgage at Perfect Business Money including quick approval, simply no report with regard to business bank loan or perhaps unsecured loan, hassle-free software, fantastic terms and charges and many more. This is actually the mortgage that you'll require for your business. It's very simple and also quickly Working Capital For Your Business to obtain the loan.
For you who are serious to have Best Small Business Loans Today you can check their site at Primebusinessfunding.com. Here is the greatest company that you can have confidence in to obtain unwarranted mortgage to your shopping mall organization.
Best Investment Offers at Phoenix
Investing in a real estate was one of the most promising types of investment until the crash of the economic tires early in 2008. This influenced heavily upon the trust of many parties involved and most of all towards the debt that is to be paid in response to the crises. Many lost their jobs and most of all the fields of investments came down to a complete black out. It took quite a while for many sectors to stand on their feet again, for the society to once again be involved in the economic ties and starts to pump and match the speed of neighboring regionalisms. The rate of competition has returned today and surprisingly with more elements attached. The investments in commercial real estate in phoenix have for a long time and even before the crises had managed to stay in a safe zone to secure investments.
This is one of the reasons why they are trusted until this very day! The phoenix commercial real estate is run by a team of professional brokers. All four of them are very experienced in the field of brokerage and know exactly how to make sure that your investments are safe and sound where they are. Should anything go wrong they are the first to know and make a move to the best direction. This team has pocketed the trust of endless lists of parties and has continued to improve with the travel of time. After all, the best feature of a company is improvement; this is how they manage their clients to stay and more customers to visit. With the many offers they have out there, you are certain to find the right investment for you and the long run. All you need to do is look through and lay out all the candidates you find pleasing.
The seeking of office space phoenix is also one that has risen drastically ever since some couple of years ago. This has implied that the more offices are sought out for the more possibilities that new offices will be built. The team is ready to meet any expectation even of the highest standards possible. Now that all is laid on the table don’t hesitate to make sure that your needs are met and that you have communicated all the details with them too. The more specific you are the better for them to suit your best interest. Don’t waste more time, many are be eyeing the offers as we speak!
The Tiny House Movement and Merits of Downsizing
People are talking about the tiny house movement. What is it? Is it small houses that are being moved down the street to tiny lots? Is it a political movement? This movement is all about a segment of society that states that people are downsizing the space or spaces that they live in.
If you haven't heard of it, the tiny house movement is a growing trend and not just a fad. It's been featured on network television all over the world. What makes the tiny movement so big, and what determines what a small home is? The average house in America is just less than 3,000 square feet in size. Tiny houses are built with the focus on smaller simplified living so they average around 400 to 500 square feet at the most. Some small houses are very tiny, at around 65 square feet.
But Why the Movement toward Downsizing Houses?
This movement is all about efficiency, saving natural resources, and saving the environment. People who have been concerned about these factors in society have been very concerned at the amount of natural resources (and accompanying waste) that's generated every time a standard size home is built.
And if you include all the resources that go into maintaining older standard size houses, a good argument can be made that the old adage of "Bigger is better" is not better anymore. For example: If a tiny home of about 200 square feet is built in remote areas away from sprawling cities, the house leaves virtually no impact or carbon footprint on the natural environment around it. And in many areas small houses are using solar panels for their energy source.
Smaller Homes Are Economically Friendly Too
When you consider many automobiles today cost over $50,000, it's easy to see the economic value in getting involved in the tiny house movement. Small homes or houses can cost as little as $37,000 if you buy a pre-fabricated or pre-built one. If you build it yourself you'll save a lot more.
A lot of people think that buying a tiny home means living in a cardboard box or something like that. Not so. Because the cost of a tiny house is so low, builders can focus on higher quality building materials that are more energy-efficient and last longer than materials used in traditional home building.
The small house movement is also providing an affordable means of home ownership to people whose homes were destroyed during hurricanes in the southeastern U.S. in the past ten years. Some people whose houses were completely demolished could not afford to rebuild, or they did not have sufficient insurance coverage to rebuild the home they had before. So tiny homes provide a comfortable and safe life for them.
Downsizing to Simple Housing Is the Answer for Some
There are some people who have not been affected by natural disasters or financial meltdowns. They simply want to join the movement because for a lot of people in today's hectic society, simplicity is king. Many people in society during the last few decades have found themselves working long work weeks and getting little time off, only to spend that time constantly maintaining a large house that they hardly ever spent any time in. Although small homes will always be just that, the tiny house movement is growing into something big.
Tom Howser writes about small houses as well as reducing one's carbon footprint and living a sustainable lifestyle.
Shipping Container Homes and Why They Make Sense
It's amazing to think that the shipping container that brought your TV from overseas can now be the home that you live in.
In the early 1950's in America families could buy a modest new home for around $20,000 after you added in the property taxes, furniture, appliances and move-in costs. In today's real estate market in the United States, purchasing the same type of house in a typical middle class neighborhood might cost you around $200,000 depending on the location and other factors.
But now many people looking to buy a new home are buying them for the same price as their parents or grandparents did in the 1950's at around $20,000. The difference is they're buying homes not make of wood or traditional materials. They're buying shipping container homes. That's right-homes made from used steel containers that once carried merchandise on large ships. And they're not what you would first imagine. These are nice, desirable homes.
Shipping Container Homes Are Easy To Get and Easy To Get Into
A lot of people are looking into using recycled cargo containers as a material source for building homes. They certainly are a green alternative to other materials and using them does a lot of good for the recycling community. We don't notice it very much but there are quite a lot of unused, empty cargo containers sitting at ports all around the world doing nothing but taking up space. Or worse yet, being sent off to landfill.
Manufacturers of goods and the shipping companies that ship those goods see them as disposable items, throwaways just like the soda cans so many consumers still don't see value in. It's actually rather expensive for countries to ship unused and empty containers back to their country of origin and quite often it's cheaper to buy new containers when the need for them arise.
Costs for cargo containers vary but on average you can get a used one for about $1,500. The average container has about 350 square feet of space. Someone who wants a 3,000 square foot home would have to pay approximately $80 per square foot to have a home built using traditional methods. In some parts of the U.S. it costs well over $100 per square foot.
Container homes cost about four and a half dollars per square foot (the cost is just for the frame, not including the construction and finishing work). But do the calculations and you'll see the basic (frame only) cost for a 3,000 square foot home built from recycled containers is about $13,500. Even with the added cost of having to configure and finish the basic units to make them into a home it's still quite a savings over traditional home building methods.
Shipping Container Homes Are Being Accepted As Part of Society
So far the most popular places for building cargo container homes has been in parts of Asia and in the former Soviet Union. But recently shipping container houses have started showing up in the United States, specifically in southern California.
Of course it does take a bit of construction work to fix up these steel containers including installing insulation, plumbing, electrical, windows and doors. Yet, when all is said and done, the homes are made from recycled materials, cheap and unique. And this is just what many green home owners are looking for right now.
Derrick Taylor writes about container homes plus other unique green housing designs and architecture.
Why Are Reallionaires Chasing Green Real Estate Assets?
Real estate investors who have been battered by the 2007 financial crisis and subsequent recession have become increasingly frustrated with buying traditional property assets. Yet they remain in no man's land when making attempts to revive their fortune. To the contrary, investors who have successfully survived the financial crisis, knows that in times of economic turmoil, they must jump ship to stay afloat. As traditional property assets lose their appeal, it is time to look elsewhere. Generally, the average investors typically tend to sit back and wait for the next big booming economic wave. Whereas, savvy property investors spend time creating that new wave in a safe boat.
During the rubble (or collapsed economic cycle 2007-2012), reallionaires have been switching to new property sectors, in particular, green real estate, whilst novices are still buying traditional assets. This newly emerging property sector, green real estate (GRE) may be defined as a convergence between green technology and the reinvention of ageing property assets, such as, car parks reinvented into solar car parks or EV recharging stations. The green property sector consists of property assets, such as, solar farms, agro-fuel estates, landfill gas sites, energy from waste facilities, solar car parks and bio-fuel plantations to name just a few. An astonishing US$211 billion was invested in this asset class in 2010, up by US$51b on its 2009 figures. As a result, green property is the most highly sort after property asset among reallionaires and there are some lucrative reasons why.
For starters, reallionaires are putting their money into the green real estate sector because it has pulling power when it comes to attracting capital. Not only are the World Bank and Sovereign wealth funds lending millions to developers and owners of green property projects, but many financial institutions and private equity firms are also throwing cash at developers of such property assets. As reported in various UK's Newspapers, property tycoon, Vincent Tchenquiz through his acquisition vehicle, Consensus Group, raised over £71 million from sovereign wealth funds and institutional investors to acquire and develop solar farms, wind farms and bio-fuel refineries in South Africa. Likewise, in 2010, Vattenfall secure £150m from the European Investment Bank to develop a wind farm in Thurness Point, Kent UK.
Another reason why reallionaires are adding GRE assets to their property portfolio is due to the knowledge that it attracts near zero taxes and other types of investment incentives. It is now common knowledge, that the acquisition of green real estate is largely a tax free investment. Under Governments' legislation in the UK and Europe, investors operating in the GRE sector pay less taxes, in comparison to their counterparts investing in mainstream commercial property. Additionally, capital gains tax is waived on most green property assets, such as, recycling centres. Further, other benefits reallionaires accrue from buying GRE, include, tax rebate, tax credit, carbon credit, Government loan guarantees, grants and feed-in-tariffs. Such incentives and promotional policies helped in making this sector recession proof over the last five years.
Third, but not last, reallionaies are in love with green property assets because, unlike other assets, it offers property investors three to four sources of income. Generally most property assets give investors a rental income (depending on the type of owner structure used). Nevertheless, in addition to rental income, GRE provides investors with carbon credit income and feed in tariff income. Reallionaires become mega rich by acquiring high performing assets that provide them with multiple streams of income. To this end, it is abundantly clear why reallionaires and other super rich investors are chasing green real estate assets.
To date, most of the world's richest property investors have bought into to the green real estate phenomenon. Reallionaires, such as, Samuel Zell, Vincent Tchenquiz, The Duke of Westmister and John Whittaker and more, have all invested millions in this fast growing lucrative sector. In addition to reallionaires, there are a number of super rich entrepreneurs who have also jump on the green property bandwagon, including, Michael Dell, Warren Buffet and the Google founders.
To find out how you can make millions by investing in the top 10 green real estate assets today, email the author: info@ktcunningham.org
Written by Mr. KT Cunningham, Author, Asset Manager, Investor, Entrepreneur & Philanthropist.
Build An Eco Home And Save Money
Mark Edwards lived in a draughty Georgian house in the village of Shrawley in Worcestershire. He and his wife felt that they were fuel poor and were constantly frustrated with the soaring cost of fuel bills for their home. Their son joined an eco-action committee at school and through this initiative he urged his parents into thinking green. As a result they decided to build an eco house in the garden of their home which would incorporate all of the latest green technology available.
The project did not go smoothly and there were huge delays because they lost their builder and therefore Mark had to become project manager, it took four years to actually finish the project. During this time his wife Lucy wanted the existing house to be as eco friendly as possible and so Mark put the other house, known as Valley Views, on the market for £550,000. Mark at this time was exhausted through his efforts on V`lley Views and cash-poor. However due to his enthusiasm he is now an advisor on the Grand Designs road shows tour.
Mark was inspired by the Guerkin building in London when he designed his home and wanted the house to reflect it but he had to think about what the planners would actually accept. So the house has an unusual curved wall in reference to the Guerkin with magnificent rural views and state of the art energy saving capacity. The four bedroom house costs just £3 a day heat and installed in the rooms are skirting board radiators, sheep's wool insulation and a warm and cold air filtering system. There is no need for a kettle in the house because a hot water tap produces water which is at boiling point; kettles are often referred to as using short sharp amounts of electricity so this device certainly helps the electricity bills.
Mark had to travel to Germany to meet with someone who knew all about the latest German technologies and how he could adapt them to the British climate and houses. British weather is a lot damper than Germany so the technologies had to adapt to this. As a result some of these ideas were then incorporated into the family's old house which has now reduced its carbon footprint by an amazing 47%. Many other people around the country are doing just the same in their homes and are urging British builders and architects to do the same.
At present when people are buying a house it is not their green credentials which sell it to them but mostly its price, position and appearance unfortunately. Andrew Yates of Eco Arc Architects has been building groundbreaking carbon neutral houses in Findhorn in Scotland since 1986 and has noticed that green building is becoming a lot more main stream. His clients now include the National Trust and the Royal Horticultural Society as well as doctor's surgeries and individual homes. Individual homes that he has worked on range from £180,000 up to £1.4million, so all kinds of homeowners are deciding that they best way to go is green.
Miss Fiona Davies is Sales Director for http://www.ecofriendlyhomescompany.com/. She has worked in the property and land sector for the last ten years. All articles on the website are written uniquely by her. The Eco Friendly Homes Company develops high quality green homes for our clients.
Real Estate Green Living Tips: Save Money With a Sustainable Home
Reducing the amount of materials and energy required to build or maintain a home can help to substantially reduce your carbon footprint. At the same time, a green approach to home ownership ensures greater peace of mind, physical comfort, and preservation of a sustainable investment over the lifetime of the home.
Save money while living a more responsible green lifestyle - whether buying a condo, remodeling a home, planning new construction, or just wanting to take simple environmentally conscious steps forward. Here are some of the many interesting paths to a greener home:
Construction Methods
The use of recycled materials; formaldehyde-free insulation, nontoxic paint, and intelligent energy-aware construction methods are just a few of the ways to create a more Earth-friendly home.
• Optimum Value Engineering (OVE) techniques are those design and framing strategies for wood or "stick-built" construction that were developed by the Forest Products Laboratory in collaboration with the National Association of Home Builders. Buildings employing OVE practices use less lumber and achieve higher insulation values without compromising structural integrity.
• That translates into lower construction costs and less energy consumption over the life of the home. The amount of lumber bought, transported, wasted due to overage, and transported away from the site as trash is greatly reduced, while thermal and acoustic insulation is boosted.
• A study conducted by the National Association of Home Builders Research Center (NAHBRC) found that OVE framing techniques can potentially save as much as $1.20 per square foot when compared with conventional wood framing methods.
• Pre-fabricated architecture is also making progressive strides forward. An entire generation of green designers is offering aesthetically award-winning houses and condos that can be built quickly in a modular manner, because much of the work is done off-site. That not only reduces environmental impact but also saves the homebuyer substantial expense.
Systems and Appliances
There are a variety of ways to harness green energy as a homeowner, and one of the best is to install appliances rated with the Energy Star designation. Some states even offer "healthy home" certification for energy efficiency that can qualify the homeowner for tax rebates or other perks.
• Passive heating and cooling techniques can be also employed by almost any homeowner to capture or deflect solar heat with a reflective roof, intensive insulation, or just strategically placed old-fashioned ceiling fans. An open floor plan with good cross-ventilation, in fact, can actually reduce energy bills significantly by making a home easier to cool in summer - so green options do not necessarily have to be radically futuristic.
• For those who decide to install solar panels or wind turbines, there is an increasing amount of government support being offered. Both state and federal tax incentives are available, depending upon where you live, and many local utility companies also provide assistance.
• The utility company may, for example, help install the equipment or share the cost of the system. Homeowners who tie their panels and turbines into a public grid can also "run the meter backwards" by selling the excess energy that they produce back to the utility company. Then the power will be redistributed so it can be used by other customers who share the grid.
Green Products for the Home
Homeowners can also choose more environmentally safe and beneficial products such as "on-demand" water heaters, energy efficient light bulbs, low-VOC paints, and flooring or counter top products made from renewable materials like bamboo, cork, and recycled plastic or glass.
• Conventional house paints contain toxic Volatile Organic Compounds (VOC). But low or zero-VOC paints and finishes perform just as well and they are more pleasant to use because they do not have the strong odors associated with high-VOC paints.
• Cork bark can be sustainably harvested without damaging the health of the cork tree. Then it grows back within a year or two. Cork is a great insulator and is unusually resilient - making it exceptionally comfortable underfoot. It also cleans up easily and is acoustically superior, so it is a quiet choice for any room in the house.
• Bamboo is harder and more durable than many varieties of hardwood, yet it also happens to be the fastest growing plant on the planet. As one of the most rapidly renewable sources of potential building materials on Earth, it is also beautiful to look at and gives off a warmth and glow that will enhance any ambience at a highly competitive price.
If you decide to build an outdoor deck, check out the newer decking materials made from recycled plastics. They look and perform like wood but have none of the harsh chemicals and annoying splinters that are found in conventional pressure-treated lumber. Maintain a healthy canopy of trees outside to shade the home and reduce air conditioning costs, keeping in mind that trees and plants clean the air - making the environment better for everyone.
Jeffery A. Hammerberg, Author
http://www.gayrealestate.com/
Realtors Join our Gay, Gay/Friendly Realtor Directory FREE at:
http://www.gayrealestate.com/gay-realtors-join.html
Green Real Estate Case Study - Environmental Futurists Argument for Mega Cities
As the founder for a think tank which happens to operate online, I generally have the final say in who gets to join, and who doesn't. I've been rather alarmed in recent years by the number of folks attempting to join who had taken environmentalism almost as some sort of religion without having all their facts straight. Further, far too many of them have been brainwashed by academia to the point that they don't even really know the true definition of capitalism, and have in mind this nonsense that money is evil, and free markets aren't fair.
Additionally, I am concerned with what happens when groups of like-minded people that do not understand reality get together in group-think designing what they believe to be the future utopia and epitome of human civilizations. They fail to realize their history, or how the real world works, rather they are more interested in talking about some sort of fantasyland, that someone else is going to pay for, and everyone is going to live happily ever after enjoying a heavenly existence. Okay so, let's talk and let me give you a case study and example here.
There was an interesting research paper put out by Deutsche Post DHL, a Futurist type Report on logistics titled; "The World in 2050," the press release appeared on February 27, 2012.
Anyway, the piece had an overview of 5-potential scenarios and in scenario one which is depicted as an; "Untamed Economy," with "Impending Collapse" the article stated;
"The world is characterized by unchecked materialism and mass consumption. This non-sustainable way of life is fed by the relentless exploitation of resources, a development that stokes climate change and causes natural disasters to mount. In a world characterized by tumultuous growth, demand for logistics and transport services climbs sharply. A global transportation supergrid ensures a rapid exchange of goods between centers of consumption. But as climate change advances, supply chains are increasingly disrupted, a development causing additional challenges for logistics companies."
Now then, I am not sure what type of fantasyland these folks are living in but I have some harsh and critical words for all this nonsense and global warming alarmism. You see, when I first heard about this report I was very excited in reading it, because I consider myself a Futurist in many regards, although I am not the type of Futurist who leans towards Plato utopian communistic theory. Further, to criticize consumption, is also to criticize capitalism, abundance, and all that the free-market can deliver.
It seems these utopians want to be free from want, and they want to make sure no one else can have what they want. That everyone should have only what they need to barely to survive, and nothing more, but that isn't what the human animal is about, nor does it take into consideration the innate characteristics of the species. We can't go around predicting the future without understanding the human animal. And we aren't going to be able to change the brain structure or the foundational genetics within to make people happy as minimalists by wishful thinking.
Now then, that's not saying we can't use genetic manipulation, drugs, pharmaceuticals, or future modification of the species to do it. But in that future aren't we really talking about turning human beings into a giant collective or Borg? Oh my gosh, 1984 here we come. As if all this nonsensical thinking wasn't enough, these futurist have to throw in the whole global warming religion issue, claiming there will be dystopia, or we can never reach our goals unless we do it their way, which happens to be destroying our energy infrastructure, changing the economic flows of civilization globally, changing the way we consume, the way we live, and submitting to the ultimate authority, namely their's.
It is interesting that the folks who were involved in this project, and this collaborative futurist work have played their hand, and now we see what they want to do, they want to control every aspect of our lives, tell us what we can and cannot have, hijack our energy infrastructure, and then promise us they will deliver what we need, which is what we will in the future agree to if we adopt their global warming religion. You only have to read between the lines just a little bit to see what's going on here, and it should scare you. If it doesn't scare you, I would submit to you that you are not paying attention.
In fact, most of the challenges we have in our economy, supply chain, and free-market system have to do with the same sorts of folks with their left leaning thinking trying to manipulate the flows of money, labor, production, and capital. It is obvious they want to do this well into the future, and if they aren't allowed to, they claim that we are all going to die because of global warming, that we will live some sort of a terrible existence. Well, I have news for you, all those folks who have promoted a utopian society in the past, trying to create something that will last for 1000 years - well, we've all seen what has happened, and mankind is not the better for their exploits, and exploratory projects with human civilization.
The reality is that when you look at the United States and the free-market system, and as we practice capitalism to our best ability, although we do fall down at times, we have created massive abundance, and it's worked quite well. This is the model we should follow, and anything to destroy this model is a threat to America's future. If those folks want to run their little game plan, and create their little communist nation state, or the folks in Belgium want to create a unified Europe, then let them go try, but as I look out around the world now, I see their projects have failed time and time again. And personally I don't think the United States should be bailing them out, or joining in cahoots with a nonsensical dream, or a new environmental religion.
It is obvious what works, and what hasn't worked. Capitalism has worked, socialism and communism haven't, and therefore we should all take notice and move forward into the future of humankind with that knowledge. We should not dismiss it, deny it, or trample on that truth. The problem with goody-two-shoed environmentalist futurism is that all their theories are flawed, and their foundation is baseless nonsense - it's all a house of cards, and if you fall for it, the Joker of dystopia wins. Please consider all this and think on it.
Lance Winslow has launched a new provocative series of eBooks on Future Concepts. Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank; http://www.worldthinktank.net/
Are There Really Mega-Efficiencies in Mega Cities - Really, Where Is the Empirical Evidence?
Are zoos really that self-sufficient? No, without the humans feeding the animals they would all die, and if you allow them to mix-and-mingle, total chaos would ensue almost immediately. Wouldn't you say that attempting to domesticate wild animals in this way is a lot like socialism, and after a while you can't return those animals to the wild, as they wouldn't have the brain power, prowess, or hunting skills to survive or prevent themselves from becoming someone else's dinner? Okay so, let's talk about this, specifically about the concrete jungle we call mega-cities, you know where many of you humans live and work.
Now then, there was an interesting Futurist Report which came out at the end of February, 2012, actually on leap-day, which is somewhat telling, as I believe it was a leap of faith more than anything else. DHL put out a paper titled; "The World in 2050," and one of the 5-scenarios was the potential for "Mega-efficiency in Megacities," and the press release for the paper stated that Mega-Cities;
"Are the main drivers and beneficiaries of a paradigm shift toward "green" growth. To overcome the challenges of expanding urban structures, such as congestion and emissions, megacities have become champions of collaboration. Robotics has revolutionized the world of production and services. Consumers have changed their habits: Products are now usually rented, instead of purchased. Highly efficient traffic concepts have relieved congestion. A global supergrid with mega transporters, including trucks, ships and aircraft, as well as space transporters, has opened important trade connections between the megacities of the world. The logistics industry has been entrusted to run city logistics, utilities, and system services for airports, hospitals, and shopping malls."
When I read that part of the multipage press-release, I thought to myself only a utopian communist or socialist futurist could have written it or rather the report it was excerpting from - and what they seem to be forgetting is that domesticating humans clearly doesn't work, they are a rebellious species, and certainly not meant for a 1984 or Borg type existence. Those who've tried to create a utopia in history, well, their pet project and visions of a 1000 year civilization have all ended tragically for all concerned.
Further, all the recent attempts at a green utopia have ended in costly bankruptcies, failed projects, and/or increased costs, which I might add have made the natives more restless, not less. There is a reason for urban flight to the suburbs, and there is a reason that there is a higher standard of living in the suburbs as opposed to the degraded cities of our time. There is also a reason for mega-slums outside all the major cities, and often a cancer brewing from within, even as there is a constant push for renewal, and economic development.
This whole "build it and they will come attitude" and motif is not meant to be, because if you build it, most likely humans will destroy it. Isn't that what usually happens, I mean let's be honest here. I am saying look at the statistics, scoreboard, or empirical evidence if you will, the numbers are in and it's clear, big cities are not quite as synergistic as they seem or are claiming to be. For the wealthy who live in cities, there is certainly abundance, but at whose expense, a question that I am shocked these well to do socialist refuse to ask themselves in all of their hypocrisy. And yes, it is true for them at least there is a lot of cognitive surplus to dream up these utopian plans of theirs, but I would submit to you that their level of cognition is blind to reality, thus, what good is it?
Mega cities still require mega power, mega-resources, and quite a bit to sustain them, but in the end they are not "sustainable" to borrow a catch phrase and common term from the left-leaning ramblings of socialism. Mega cities drain vast amounts of fresh water supplies from large amounts of land to funnel for their own usage, then these folks claim to be concerned about the environment, interesting I say. Even with all their "recycling" efforts and then busy patting on the back they create mega-trash piles elsewhere. The air quality is bad, and then their air blows out to the rest of us. The traffic is a mess, destroying productivity and efficiency.
But now this report says that in the future they will fix all that, and all they need is the money to build the city perfect, into their utopia at last. Really, then who is paying for it? If the city is so great and so efficient, why not have them pay for it themselves, why should the tax dollars of everyone else be funneled into the city for them to run another dead end experiment with a human utopia project? They've been taking everyone else's money for years, they'll always need more, want more, and promise us that someday, you'll see. Really, because you see LA, only when the smog clears, and it's time for these folks with all their communist tendencies and academic accolades to get some fresh air, so they can think.
Lance Winslow has launched a new provocative series of eBooks on Future Concepts. Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank; http://www.worldthinktank.net/
Do "Green Items" Increase Home Value?
I often read articles stating that solar panels or "green items" will increase your home value. What about wind mills and other form of "green" ideas. Here's my take on these types of things such as insulated walls, wind mills, solar panels and anything else that is considered "green."
Nothing and I mean nothing will increase home value unless the market is willing to pay for it.
You see, all of these studies that show that solar panels or wind mills will increase your home value by 3% or 5% are taken from some text book or a study in some other part of the country. Real estate is local and cannot be moved and there are lots of moving parts in a real estate transaction that is much more important in determining the value than "green" homes.
The appraiser must look at the most important data to determine market value and they must be able to find homes with similar items to compare. Until the MLS system offers line by line items for such improvements and there are enough homes in the market to use for comparable homes, "green homes" will never be given much value.
Here's the issue with using this type of material or any type of "green" items to build your home. First, there is not enough market acceptable of these types of specialized construction methods. They will usually cost you more money to install. When an appraiser goes looking for real comparable sales to support these improvements, there will not be enough data in the market to support an increase of price or an adjustment in most cases because of the sheer lack of data.
The real reason to install "green" items in the home is to save energy in the long run, not to increase your home value.
When an appraiser looks at all of the comparable sales in the area, let's say they find 15 similar homes in your area. And when I mean similar, this is in reference to location, lot size, square footage, bedroom count other important amenities that Appraiser and Realtors can study. By pure luck, one of the Realtors talks about the ICF walls or the solar panels and you are able to search and find this home in the area. What are the chances that the home will offer some sort of similar square footage, design and lot size? Let me help you with the answer, slim to none.
So, here are some solutions to this problem
Create an entire development of "green" homes and make sure it is larger enough to really make an impact in the community. And when I mean "green" I mean, ICF walls, solar panels on all of the roofs, wind turbines around the entire development and in everyone's yard, homes built to with the correct windows for passive and active collection of energy. This will allow Realtors and appraisers to look at homes from these types of developments and really determine if they will increase value or if there is any real impact and if the market will pay for these improvements.
Make sure every MLS system in the entire country is correctly identifying the "green" items and putting them in the MLS so that Realtors and Appraisers can use this data to determine if the market is willing to pay for these types of things.
Until this happens across the country or in your home town, there is a slim chance that green items will have a big impact in increasing your home value.
Would you like to learn more about buying, selling, and refinancing a home from a real estate appraiser. if so, go to http://increasehomevalue.org/
Subscribe to:
Posts (Atom)