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    Email, ISP, and the Headaches
    Recently I received a support call from a customer who was not receiving mail from one of her partners. After some lengthy troubleshooting, we found that the partner’s Internet Service Provider (ISP) was listed on some of the public SPAM blacklists. This actually came as a shock to us since the ISP is a very large telecommunications provider in the South.Since customer service is our focus, we did not leave the issue as someone else’s problem, we attempted to work with the ISP to resolve their problem. Try to imagine our shock when the ISP told us that they were aware of the issue, had no intention of resolving it, and were sorry for the “Inconvenience”.I tell this story because it brings to light one of the major problems with ISP’s and their free add-on email services, but the story gets better.We decided to use a pay for SMTP email service (SMTP stands for Simple Mail Transmission Protocol and is the electronic language used to move email throughout the Internet). We signed up with the service and configured the email clients to send mail to the new service. Once again we got shot down. The ISP was blocking all SMTP traffic through their connection that did not go to their
    Has the home that you are considering been on the market a long time? Was the price simply set too high? Has the market been slow? Or, is there a problem with the house that you will need to correct?

    Oversupply of Homes

    This is a fundamental re-sale problem. If the balance of supply and demand tips in favor of buyers, then sellers will have to compete more aggressively, and prices are usually driven down. A common source of excess supply is from new homebuilders in the area. Or, sales may be slowed by an economic recession or high interest rates. The oversupply of homes on the market may be a temporary situation.

    Non-conforming Styles

    Lacks a Typical Amenity

    In an area where nearly all homes are on the golf course, or have a pool, or include a garage, buyers will tend to overlook homes that lack these features. In an area of mostly older buyers, a home with the master upstairs may have trouble selling. Look carefully at what is generally offered in a given area to the majority of buyers.

    A-typical Style

    Homes that do not fit in to the neighborhood may have trouble selling. For example, the urban modern style may be a good fit in older eclectic areas, but would be hard to sell a uniform suburban neighborhood.

    Inspection Issues Exchange Traded Funds
    They call ‘em ETFs.There are hundreds of them.The mutual funds don’t want you to find out about them.Why?Because they beat the socks off mutual funds in so many categories. The expense ratios of most mutual funds runs about 1.5% and many are much higher. To buy a mutual fund you must wait until the end of the day to find out what price you paid. Many mutual funds have instituted redemption charges should you decide to sell out early. Early is whatever definition they want to apply and could be a year out, maybe more. The fee at this time is about 2% for many funds.Fund managers tell you it is to discourage overnight trading that adds to their expenses and therefore penalizes shareholders, but that is not true.The two most popular ETFs are SPY and QQQ. SPY is composed of the stocks in the SP500 Index with 500 stocks and it is priced every few minutes. It can be bought and sold any time during the day. The mutual funds who tell you it is too expensive to price their funds more than once a day are either lying or stupid. ETFs prove that. And that same logic goes for short term trading.The investor buys and sells ETFs the same as

    The selection of a home is an emotional decision, and it should be. You should tap into your emotional knowledge when choosing a home. Many personal factors will influence your selection of a place where your family can live comfortably and safely.

    However, at some point in the future you may need to re-sell the home. Most people would like to receive at least 4% annual appreciation on the sales price of their home. Now is the time to look ahead and consider any possible sales objections that you may encounter. The value of your home as an investment is directly related to its marketability. If it is sought after by other buyers, your home will sell at the highest price possible for the market.

    The issues noted here are not intended to be deal killers. The home you have selected may have some defects, yet meet your needs in many important ways. No home will be perfect. Your purchase decision should be given a careful evaluation and review with an eye toward resale.

    Home flippers look for homes with marketing problems such as these. Homes priced below market are perfect for their remodeling solutions. You, too, may think creatively when considering a home. Many problems can be corrected or mitigated. With good design sense, you may be able to make the necessary decisions to improve the home, and perhaps do the work yourself. Or, you may be willing to get design help and use a builder for the work. Remodeling adds a level of risk and difficulty to your home purchase, but possibly, a higher level of satisfaction and monetary reward.

    Here are 7 potential re-sale problems:

    Site Difficulties

    Unusual Easements or Restrictions

    If unusual easements or restrictions were not disclosed up front, you may not be aware of them until you see the survey and title work. If you discover these, I suggest that you take a step back, and consider whether you will accept an unusual easement or restriction on your use of the property. Some examples: neighbors may cross the property, house expansion is limited, or major pipelines are underground.

    Lack of Yard

    If a home has much less yard area than others in the neighborhood, buyers tend to eliminate this choice. A steep slope may make the grounds difficult to use and maintain. Yards that have been terraced or landscaped may be exceptions. Compare your property to the yards offered by competing homes.

    Commercial View

    Homes in suburban areas that view office buildings or retail centers are less attractive to buyers. Buyers choose suburban neighborhoods for their concentration of single family homes, separated from commercial areas. This may not be a problem in more urban areas.

    Flag Lot

    These are lots with a long narrow strip, leading to the area where the house is placed. Your home will have almost no street frontage, and there may be a building in front of your home. A flag lot in a country setting with a long driveway leading to a large tract may be an exception to the rule. In a subdivision of homes with road frontage, buyers will avoid this type of lot.

    Likely Objections

    High Tension Wires

    The general reaction by buyers to high tension wires crossing near the lot is to simply eliminate the choice.

    Steep Driveway

    I have shown many buyers who will not get out of the car when the driveway is unusually steep.

    Busy Street

    The noise related to a busy street is a turn-off to many buyers. This is more of a problem if the busy street is in front of the house.

    Too Exposed

    Most buyers want a certain degree of privacy in the back yard. If the building behind your prospective home looks down on your backyard or into your family room, this will be a sales objection. This could be mitigated by trees or screening.

    Neighborhood Concerns

    Declining Values

    If you perceive the neighborhood to be declining, this is a must to avoid. Choose areas that show pride in ownership. However, if you see tear downs and new construction, then the neighborhood may be going through a renewal period, and may be a good risk.

    Safety or Security Problems

    If you sense that there are security problems - drug dealers, robberies, or safety concerns for your children, take a step back and look at the facts and data on these issues before buying. These kind of problems will turn away buyers fast.

    Market Matters

    Seasonal or Limited Market

    Some homes have a limited market - a vacation area, a primarily student market, or an age restricted subdivision. This may suit your needs, but keep in mind that your re-sale will be limited to this set of buyers.

    Remote Location

    In most cities, areas that are closer to downtown tend to have a larger buyer pool than homes located in remote areas. However, you may choose to trade the privacy and setting of a country home with the resale potential.

    No Comparable Sales

    This indicates a possible re-sale problem. The home may be very unusual compared to homes around it, or the market may be slow. Understand the underlying reason for few or no comparable sales.

    Extended Marketing Time

    Has the home that you are considering been on the market a long time? Was the price simply set too high? Has the market been slow? Or, is there a problem with the house that you will need to correct?

    Oversupply of Homes

    This is a fundamental re-sale problem. If the balance of supply and demand tips in favor of buyers, then sellers will have to compete more aggressively, and prices are usually driven down. A common source of excess supply is from new homebuilders in the area. Or, sales may be slowed by an economic recession or high interest rates. The oversupply of homes on the market may be a temporary situation.

    Non-conforming Styles

    Lacks a Typical Amenity

    In an area where nearly all homes are on the golf course, or have a pool, or include a garage, buyers will tend to overlook homes that lack these features. In an area of mostly older buyers, a home with the master upstairs may have trouble selling. Look carefully at what is generally offered in a given area to the majority of buyers.

    A-typical Style

    Homes that do not fit in to the neighborhood may have trouble selling. For example, the urban modern style may be a good fit in older eclectic areas, but would be hard to sell a uniform suburban neighborhood.

    Inspection Issues

    Bringing Clients in the Door: How Professionals Can Encourage Business
    You’re a professional – either a doctor, or a dentist, or an artist. Maybe you’re an independent sales person who works on commission, or a speaker who must sell yourself. You might even be a B-C business whose product depends on a product or service you’ve developed.You’ve been trained well; you went to a professional school, or positioned yourself as an expert, and you’re very good at what you do. And now you’ve gone into business to give others the opportunity to pay you to do what you do best.You rent space, hire staff, take out a loan – possibly a very large loan – to populate your office with the best: technology, staff, ambiance. And a few of your friends come in as your first clients. And then you wait for others to walk in the door.And you wait.You’re not a business person and you’ve not been taught the fine art of marketing. Not to mention that it’s embarrassing to have to tell others how good you are and that they should pay you because you’re good.“Hi. I’m Joe Smith. I’m the new doc in town. You oughta come in and see me. I’m really good and I’ll take good care of you. When can I expect you? I’ve got time to see you, um, all day
    ions to improve the home, and perhaps do the work yourself. Or, you may be willing to get design help and use a builder for the work. Remodeling adds a level of risk and difficulty to your home purchase, but possibly, a higher level of satisfaction and monetary reward.

    Here are 7 potential re-sale problems:

    Site Difficulties

    Unusual Easements or Restrictions

    If unusual easements or restrictions were not disclosed up front, you may not be aware of them until you see the survey and title work. If you discover these, I suggest that you take a step back, and consider whether you will accept an unusual easement or restriction on your use of the property. Some examples: neighbors may cross the property, house expansion is limited, or major pipelines are underground.

    Lack of Yard

    If a home has much less yard area than others in the neighborhood, buyers tend to eliminate this choice. A steep slope may make the grounds difficult to use and maintain. Yards that have been terraced or landscaped may be exceptions. Compare your property to the yards offered by competing homes.

    Commercial View

    Homes in suburban areas that view office buildings or retail centers are less attractive to buyers. Buyers choose suburban neighborhoods for their concentration of single family homes, separated from commercial areas. This may not be a problem in more urban areas.

    Flag Lot

    These are lots with a long narrow strip, leading to the area where the house is placed. Your home will have almost no street frontage, and there may be a building in front of your home. A flag lot in a country setting with a long driveway leading to a large tract may be an exception to the rule. In a subdivision of homes with road frontage, buyers will avoid this type of lot.

    Likely Objections

    High Tension Wires

    The general reaction by buyers to high tension wires crossing near the lot is to simply eliminate the choice.

    Steep Driveway

    I have shown many buyers who will not get out of the car when the driveway is unusually steep.

    Busy Street

    The noise related to a busy street is a turn-off to many buyers. This is more of a problem if the busy street is in front of the house.

    Too Exposed

    Most buyers want a certain degree of privacy in the back yard. If the building behind your prospective home looks down on your backyard or into your family room, this will be a sales objection. This could be mitigated by trees or screening.

    Neighborhood Concerns

    Declining Values

    If you perceive the neighborhood to be declining, this is a must to avoid. Choose areas that show pride in ownership. However, if you see tear downs and new construction, then the neighborhood may be going through a renewal period, and may be a good risk.

    Safety or Security Problems

    If you sense that there are security problems - drug dealers, robberies, or safety concerns for your children, take a step back and look at the facts and data on these issues before buying. These kind of problems will turn away buyers fast.

    Market Matters

    Seasonal or Limited Market

    Some homes have a limited market - a vacation area, a primarily student market, or an age restricted subdivision. This may suit your needs, but keep in mind that your re-sale will be limited to this set of buyers.

    Remote Location

    In most cities, areas that are closer to downtown tend to have a larger buyer pool than homes located in remote areas. However, you may choose to trade the privacy and setting of a country home with the resale potential.

    No Comparable Sales

    This indicates a possible re-sale problem. The home may be very unusual compared to homes around it, or the market may be slow. Understand the underlying reason for few or no comparable sales.

    Extended Marketing Time

    Has the home that you are considering been on the market a long time? Was the price simply set too high? Has the market been slow? Or, is there a problem with the house that you will need to correct?

    Oversupply of Homes

    This is a fundamental re-sale problem. If the balance of supply and demand tips in favor of buyers, then sellers will have to compete more aggressively, and prices are usually driven down. A common source of excess supply is from new homebuilders in the area. Or, sales may be slowed by an economic recession or high interest rates. The oversupply of homes on the market may be a temporary situation.

    Non-conforming Styles

    Lacks a Typical Amenity

    In an area where nearly all homes are on the golf course, or have a pool, or include a garage, buyers will tend to overlook homes that lack these features. In an area of mostly older buyers, a home with the master upstairs may have trouble selling. Look carefully at what is generally offered in a given area to the majority of buyers.

    A-typical Style

    Homes that do not fit in to the neighborhood may have trouble selling. For example, the urban modern style may be a good fit in older eclectic areas, but would be hard to sell a uniform suburban neighborhood.

    Inspection Issues 3 Top Ways to Web Site Design
    A profitable web site design will need few things in it. You have to approach it in a particular way. You can follow the following 3 top ways to web site designThink about design - In case of Web Site Design, always think and plan before starting. The look of the website should be attractive and professional. Offer the visitor simple navigation facility.The content should be well written and interesting. Use images as images speak more than the words. Images also make the pages attractive. Provide the viewer with useful information.For profitable web site design, your website should comly with the HTML standards. Provide the viewers easy usable facilities like search facility, download facility. Use professional looking background and text colour.Use the best technology – Use the best technology available in web site design. Search for the technology available today. Techonology get out of date easily. So, before using any, make sure it is the latest one. Latest technology will stay for some time and it will be profitable for the web site designing.Download time of any software, tool, content you are providing, should be less, as more time will put off your visiion of single family homes, separated from commercial areas. This may not be a problem in more urban areas.

    Flag Lot

    These are lots with a long narrow strip, leading to the area where the house is placed. Your home will have almost no street frontage, and there may be a building in front of your home. A flag lot in a country setting with a long driveway leading to a large tract may be an exception to the rule. In a subdivision of homes with road frontage, buyers will avoid this type of lot.

    Likely Objections

    High Tension Wires

    The general reaction by buyers to high tension wires crossing near the lot is to simply eliminate the choice.

    Steep Driveway

    I have shown many buyers who will not get out of the car when the driveway is unusually steep.

    Busy Street

    The noise related to a busy street is a turn-off to many buyers. This is more of a problem if the busy street is in front of the house.

    Too Exposed

    Most buyers want a certain degree of privacy in the back yard. If the building behind your prospective home looks down on your backyard or into your family room, this will be a sales objection. This could be mitigated by trees or screening.

    Neighborhood Concerns

    Declining Values

    If you perceive the neighborhood to be declining, this is a must to avoid. Choose areas that show pride in ownership. However, if you see tear downs and new construction, then the neighborhood may be going through a renewal period, and may be a good risk.

    Safety or Security Problems

    If you sense that there are security problems - drug dealers, robberies, or safety concerns for your children, take a step back and look at the facts and data on these issues before buying. These kind of problems will turn away buyers fast.

    Market Matters

    Seasonal or Limited Market

    Some homes have a limited market - a vacation area, a primarily student market, or an age restricted subdivision. This may suit your needs, but keep in mind that your re-sale will be limited to this set of buyers.

    Remote Location

    In most cities, areas that are closer to downtown tend to have a larger buyer pool than homes located in remote areas. However, you may choose to trade the privacy and setting of a country home with the resale potential.

    No Comparable Sales

    This indicates a possible re-sale problem. The home may be very unusual compared to homes around it, or the market may be slow. Understand the underlying reason for few or no comparable sales.

    Extended Marketing Time

    Has the home that you are considering been on the market a long time? Was the price simply set too high? Has the market been slow? Or, is there a problem with the house that you will need to correct?

    Oversupply of Homes

    This is a fundamental re-sale problem. If the balance of supply and demand tips in favor of buyers, then sellers will have to compete more aggressively, and prices are usually driven down. A common source of excess supply is from new homebuilders in the area. Or, sales may be slowed by an economic recession or high interest rates. The oversupply of homes on the market may be a temporary situation.

    Non-conforming Styles

    Lacks a Typical Amenity

    In an area where nearly all homes are on the golf course, or have a pool, or include a garage, buyers will tend to overlook homes that lack these features. In an area of mostly older buyers, a home with the master upstairs may have trouble selling. Look carefully at what is generally offered in a given area to the majority of buyers.

    A-typical Style

    Homes that do not fit in to the neighborhood may have trouble selling. For example, the urban modern style may be a good fit in older eclectic areas, but would be hard to sell a uniform suburban neighborhood.

    Inspection Issues Unsecured Personal Loans-Designed For Tenants
    Homeowners in the UK generally hesitate to pledge their home as security. They show inclination towards unsecured personal loans, because they don’t have to put property at stake to seek the loan. Basically, an unsecured loan suits the tenants who don’t have home to offer as collateral.The advantages with unsecured personal loans are immense. The first and the foremost thing is that you don’t face a threat of repossession of your property, which you have in the case of a secured loan. The second benefit with an unsecured personal loan is that you get the loans in a short span of time. This is because the evaluation of the property is not involved in this case.Most of your needs may be fulfilled with an unsecured loan option. Your long cherished dream of buying a swanky car or consolidating your multiple debts could easily be met with this loan type. If you are planning to renovate your home then also you can go ahead with an unsecured loan.The expenses of a wedding ceremony and education can also be met with this loan type. You may take this loan to make a holiday trip so that you can refresh yourself, leaving behind the worries of expenses.People with County Co neighborhood to be declining, this is a must to avoid. Choose areas that show pride in ownership. However, if you see tear downs and new construction, then the neighborhood may be going through a renewal period, and may be a good risk.

    Safety or Security Problems

    If you sense that there are security problems - drug dealers, robberies, or safety concerns for your children, take a step back and look at the facts and data on these issues before buying. These kind of problems will turn away buyers fast.

    Market Matters

    Seasonal or Limited Market

    Some homes have a limited market - a vacation area, a primarily student market, or an age restricted subdivision. This may suit your needs, but keep in mind that your re-sale will be limited to this set of buyers.

    Remote Location

    In most cities, areas that are closer to downtown tend to have a larger buyer pool than homes located in remote areas. However, you may choose to trade the privacy and setting of a country home with the resale potential.

    No Comparable Sales

    This indicates a possible re-sale problem. The home may be very unusual compared to homes around it, or the market may be slow. Understand the underlying reason for few or no comparable sales.

    Extended Marketing Time

    Has the home that you are considering been on the market a long time? Was the price simply set too high? Has the market been slow? Or, is there a problem with the house that you will need to correct?

    Oversupply of Homes

    This is a fundamental re-sale problem. If the balance of supply and demand tips in favor of buyers, then sellers will have to compete more aggressively, and prices are usually driven down. A common source of excess supply is from new homebuilders in the area. Or, sales may be slowed by an economic recession or high interest rates. The oversupply of homes on the market may be a temporary situation.

    Non-conforming Styles

    Lacks a Typical Amenity

    In an area where nearly all homes are on the golf course, or have a pool, or include a garage, buyers will tend to overlook homes that lack these features. In an area of mostly older buyers, a home with the master upstairs may have trouble selling. Look carefully at what is generally offered in a given area to the majority of buyers.

    A-typical Style

    Homes that do not fit in to the neighborhood may have trouble selling. For example, the urban modern style may be a good fit in older eclectic areas, but would be hard to sell a uniform suburban neighborhood.

    Inspection Issues Business to Business Marketing Tips
    Letters of recommendation are very powerful third-party endorsements aids to closing sales. They can also be considered "captured word-of-mouth." The problem is most companies don’t typically have as many letters of recommendation as they need for a successful business to business marketing strategy. There are two reasons: 1) writing such a letter is not usually a high priority for your happy customer and they often do not follow through; and 2) You feel embarrassed pushing the issue with reminders and nudges.There is a simple solution for your business to business marketing strategy. Invent an informal special occasion to be held about six weeks from the time you start the project. At the special occasion - a company meeting perhaps - the CEO will be presented with new letters of recommendation. This gives your customer a specific deadline and a reason to get the letter done.Then assign someone like an upbeat, fairly aggressive receptionist, to be in charge of the project. The event can be quite informal but make it a real event so you will be telling the truth. Give your receptionist a Has the home that you are considering been on the market a long time? Was the price simply set too high? Has the market been slow? Or, is there a problem with the house that you will need to correct?

    Oversupply of Homes

    This is a fundamental re-sale problem. If the balance of supply and demand tips in favor of buyers, then sellers will have to compete more aggressively, and prices are usually driven down. A common source of excess supply is from new homebuilders in the area. Or, sales may be slowed by an economic recession or high interest rates. The oversupply of homes on the market may be a temporary situation.

    Non-conforming Styles

    Lacks a Typical Amenity

    In an area where nearly all homes are on the golf course, or have a pool, or include a garage, buyers will tend to overlook homes that lack these features. In an area of mostly older buyers, a home with the master upstairs may have trouble selling. Look carefully at what is generally offered in a given area to the majority of buyers.

    A-typical Style

    Homes that do not fit in to the neighborhood may have trouble selling. For example, the urban modern style may be a good fit in older eclectic areas, but would be hard to sell a uniform suburban neighborhood.

    Inspection Issues

    Water Drainage Problems

    Poor water drainage may be a serious and costly remediation problem. Talk with an expert about improving the drainage around the house, and evaluate any previous damage caused by flooding of the interior or water standing under the house. Be sure that you have all the facts on the table and an improvement plan ready.

    Structural Defects

    Structural defects have an underlying cause. They may be due to loose fill on the lot, clay soil, drainage issues, or poor construction. It is crucial to know the source of the problem, and the cost to repair, before taking on a house with structural problems.

    Inspection Issues

    Excessive repairs noted on your inspection report indicate that the house was not maintained or was poorly constructed. Be prepared for some serious work on the house. An incorrect application of stucco or other siding may have water damage or mold behind it. A mold infestation may be expensive to remove. Be prepared to document your repairs in order to show a future buyer that the problems have been completely solved. These issues tend to have some stigma attached.

    Insurance Claims

    It is important to know the facts about a previous insurance claim. If it was due to a fire or flooding problem, you should have full disclosure. Large insurance claims are a red flag, and may result in difficulty in obtaining insurance on the home. Many homes have had repairs covered by insurance, such as hail damage, and these are not a re-sale problem.

    Improvement Obstacles

    Costly Improvements

    You may not be able to recoup the cost of certain improvements to your home. These may include imported fixtures, unusual artistry or craftsmanship, exotic woods, European appliances, rare plants, hand decorated walls, etc. If these finishes are similar to locally available materials, they may not have a market value equal to their cost. In general, swimming pools and tennis courts do not contribute the full amount of their cost in the value of the home.

    Over Improved

    Homes that are over improved for the area, or have excess acreage, often have a difficult time recouping the additional cost. Most people feel safer buying one of the cheaper houses in the neighborhood.

    Non Functional Floor Plan.

    Floor plans that make living in the home difficult will turn away buyers. Excessive level changes, rooms that are out of proportion, poor access to the backyard, low ceilings, few windows, and other layout issues will result in a re-sale problem. This may be an opportunity to take down walls, add windows and doors, and make creative changes to improve the functionality and value of a house. Design skill and a fairly high budget will be necessary.

    Out Dated Finishes

    Most homes have some outdated finishes - from needing freshening up, to a complete makeover. This is where design skill and perseverance can completely transform a house. If you are new to remodeling, consider your budget carefully. Often the work required is quite extensive and may grow as the project develops.

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