Heidelberg Immobilien

„People only see what they are prepared to see.“

-Ralph Waldo Emerson

Part 1: Being Realistic

What is my house really worth? How to value my house may seem difficult to answer when selling your house on your own, but it is not. It is important for you to value your house objectively and not subjectively by leaving your preconceived notions and emotions at the door. It is difficult to do, but you need to look at your house as if it is someone else’s house and without the personal emotions that may cloud your judgment. Yes, you do know your house better than anyone else, which will help you value your house and sell your house, but you can’t let that information over influence the value you set for your house. In this article we are going to discuss a few points on how to value your house from the many detailed strategies in our eBook Sell Your House Now: Without A Real Estate Agent and Save Thousands.

Although you likely will be selling your house on your own, the number one frustration most real estate agents have is the fact that house sellers always believe their house is worth more money than it really is. This is understandable, as we seem to overestimate the worth or value of our personal belongings while possibly underestimating the worth or value of others peoples belongings. Now I’m not saying that some real estate agents don’t try to price homes low so they sell quickly, save on marketing costs and can receive a commission more quickly. But a real estate agent’s fiduciary responsibility is to sell your house as quickly as they can while getting you the most money for your house. If a real estate agent is truly upholding their responsibilities, the price they set should be the best price based on their research and not motivated by anything other factors. The last thing they want to do is price a house too high, unless they are just trying to make you feel good and win your business, which means the house won’t sell and they’ll have to have that uncomfortable conversation with you in a month or so to reduce your asking price.

With this in mind you need to be realistic on pricing your house. Ultimately the true value of your house will be what someone else is willing to pay you for your house. Remember, the price of your house is what you are asking someone else to pay, but the value of your house is what you and a buyer ultimately agree the house is worth with the consummation of a contract. If you set your price to high initially and have to continue to reduce your price, potential buyers could see this as desperation and wait to see how far you will reduce your price. It could also increase the „on the market time“ for your house, which could convey the message to potential buyers that something is wrong with your house.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Louis J. DeMedici

Generating an extra $500 to $1000 a month may seem impossible right now. But in this article, I’m going to show you different online side hustle ideas that have the potential to be highly profitable. Let’s begin!

1. Blogging

You may not see an immediate ROI or return on investment on blogging, but the good thing is it’s pretty much passive income when you start getting some traction. The sky’s pretty much the limit when you think of the income you’ll get when your blog gets a good amount of traffic from search engines and social media!

2. Affiliate marketing

You can promote your affiliate links on your blog or your social media accounts. Just make sure you promote something that’s going to actually add value to your followers.

3. Video marketing

You can promote sponsored products via video marketing. You can do video reviews and tutorials on YouTube and monetize it with ads and affiliate links!

4. Social media influencer

When you’ve got a considerable following on social media, and you get pretty good engagement rates on your content, then you’re technically a influencer. You can easily command premium rates from brands who want to do business with you.

5. Social media manager

Not all businesses know what to do with their social media accounts.You will have the opportunity to make a significant impact on businesses. The great thing is you can have many different clients at the same time because it’s relatively easy to automate social media activity!

6. Sell information products

Selling eCourses and eBooks are very popular nowadays. It’s relatively easy to create content like these, and it’s easier to just outsource it to freelancers who can write faster and better than you.

7. Freelance work

If you’re interested in freelancing online – like writing, designing, building apps and websites, etc. – then you should check out sites like Upwork ( https://www.upwork.com ) and Freelancer ( https://www.freelancer.com ). Note, however, that these are global marketplaces. So, you’ll have people from all over the world competing on price and skill. If you want to set yourself apart from the competition and you’re extremely confident in your skills, then don’t be afraid to bid rates you know you deserve!

8. eBay business

eBay is actually a fantastic tool for making money and which presents a ton of different options. If you’re looking for a more traditional way to make money by selling products, then eBay is the perfect choice.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Lehlohonolo Mofokeng

As the real estate market dips, it can be more attractive to sell your home on your own then hire a real estate agent. A real estate agent will take up to 6% of your home’s value in commission. This can get expensive, and in today’s economy, you want to save as much money as possible. But can you really sell your house by yourself?

It’s actually not as hard as you might think. The most difficult part is the paperwork. However, this varies from state to state, and even from city to city.

Step 1 – You’ll want to check with your local municipality to see what their regulations are in signing over a title.

Step 2 – Before you list your house, you want to make it ready to sell.

Clean up, repair it, and basically make it look as nice as possible.

One thing that can help is putting some items in storage.

This makes your home seem less cluttered and more spacious.

Step 3 – Next, you need to decide how much to list your home for. If you price it too high, you won’t have anyone interested. If you price it too low, people will think there must be a problem with it. So look at what other houses in the area are selling for, and price your home accordingly.

Step 4 – Finally, you’ll need to list your house. There are several ways to do this. You can list it online at realtor websites. You can list it in newspapers. You can even list it on Craigslist. The more places you list your house, the easier it will be to sell your home on your own.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Karina Sinclair

If you don’t have the capital on hand right now, federal grants for home improvement are a great way to improve your home. Not many people know that federal grants for home improvement are available and that money is readily available for those who need them. All you need to provide is that you don’t have the money and what you want done to your home. You will receive a federal grant for home improvement if you are approved so that you can finally add that room to your home or whatever else you want done.

Contact Your Local Government Offices

To find federal grants for home improvement, find out with your local government offices to see what grants are available and how to qualify. Most likely you’ll have to prove that you don’t have the money and that you really in need. Occasionally you might also have to think of a quotation from a home improvement company on how much money you require so that the government understand how the grant will be used properly. As these are grants which means that you don’t have to return so opportunity for misuse is high. The government is going to ensure that the money is going to be used as intended before federal grants for home improvement can be awarded.

Government Home Improvement Loan: Pay Back In Installments For All Your Home Improvement Needs

When you just don’t have the money to do so the government knows what it’s like to want to perform home improvement. For this reason, they have set up government home improvement loans to help out with those projects that just cant wait any longer. Do an internet search to locate government home improvement loans. There is plenty of money available for those who qualify and the money can be returned gradually in order to enjoy your new home without breaking your bank account.

Search Around For The Best Interest Rates

You’ll need to complete the same process, as you would qualify for a car or home loan. However the loans usually come with a lower interest rate. In order not paying too much, look around for the best interest rates. You just have to ask plenty of questions and make sure that you are getting the best deal as there are many options available.

The government home improvement loans are ideal for adding that new room that you’ve always desired or for changing your appliances so that they are more energy efficient. Government home improvement loans can help even if you just want to repair your roof or windows or something small.

The value is increased by improving the look of your home. Hence governmet home improvement loan are worth it when you think of ability to have your investment return and more whenever you decide to sell your house. A government home improvement loan is just the way to go about if you don’t have enough money to complete those projects that you long to complete.

Try For A Government Grant First

To help those in need, it is noticed that the government has other program set up. For example, there are government grants in place that don’t require to pay back and that go to only those who qualify. Before trying for a loan, it’s best to apply for the grant first. You may as well go for a grant instead of a loan that you need to pay back if you qualify.

However if you don’t qualify for a grant, then a loan is just the thing you should go for if you desire to improve your home.

Improve The Look And Value Of Your Home

You can get those repairs or additions you’ve always wanted from the federal grants for home improvement but you won’t get rich. Improving your home improves not only the value but also the look which in turn improve the property value of the entire neighborhood.

Contact your local government offices and ask about federal grants for home improvement, if you’ve always wanted to improve the look and value of your home. You’ll love the look of your new home and the best part is that the money never needs to be paid back. You can redo the look of your home and you can save your money for more important things, like putting food on the table.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Cindy Heller

We all love that brilliant shine of a new car in the dealer’s showroom or at an auto show. There are hundreds of car care products and treatments available. The question is what works best and how do you do it?

First, you must properly clean and wash your car. Polishing and waxing a unclean car is sure to leave hairline scratches from dirt and debris on the car. Proper car washing and cleaning should be a main staple of any car care regimen or treatment. It is a proven fact that cars that receive routine car washes will last longer (as evidenced in a recent Popular Mechanics magazine). To properly wash your car, first rinse it off. Get the whole car wet and try to spray off any loose dirt and debris. Then use specific car wash soap (regular household items and chemicals are usually too harsh and can strip the wax or sealant right off) and a soft sponge or towel. Wash one panel or area at a time and rinse when done so the suds and soap won’t dry on the paint. When done dry off the car with clean terry towels or microfiber towels (a chamois works great also).

Next, examine your car. Look at the bumpers, behind the tires, the roof, etc… Are there any contaminants like bug splatter, bird droppings, tree sap, etc… that are still there after washing? You can try and rewash these areas with a little more pressure to try and loosen them up. If they still don’t come off, you will need a contaminant remover. This is a spray and each has their own unique formula and set of directions. Some are similar to foaming glass cleaners and others are a thick emulsion that will sit right on the problem area and not drip off. These contaminant sprays will remove most stuck on road debris and there are formulas specifically for road tar and tree sap as they can be more difficult. Follow the directions and then rinse and dry.

To smooth out any imperfections in the paint we recommend a cleaner wax. According to a study by Consumer Reports of every wax currently produced it was found that Turtle Wax was the best for value, durability and shine. So, there is no need to waste your money on expensive treatments that will not deliver a finish as well as a $2 bottle of Turtle Wax. Apply the cleaner wax in small circular motions and do one panel at a time, same as you did with car washing. Let the cleaner wax dry to a white haze and then buff with a clean terry cloth. Repeat as necessary.

Next, what we recommend is that you use a polymer car polish (again, there is no need for expensive treatments – you are just wasting your money). A good polymer car polish can be obtained at Walmart for between $2 and $5. They always come as a liquid and are very easy to apply and really do last longer than any car wax (up to 1 year and 50 car washes as some labels state). Apply to the whole car and buff dry. Apply 2-3 coats for maximum protection.

After the car polish we recommend a high class carnauba wax (again there is no need for expensive treatments). Turtle wax platinum car wax is around $5-$7 and so are some Meguiars and Mothers top waxes. This will give you a better than new deep and wet looking shine. Apply 2 coats in similar fashion to the cleaner wax. Wait until you see the resultant shine from wax on top of polish. It is unbelievable and gives your car the best shine possible and also the maximum protection available. This is how they get that extra deep shine on cars at the auto shows – it works and you will be amazed.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by David Maillie

If you’ve heard that you can make huge finder fees on tax surpluses, you haven’t been led astray. Unlike state-held funds such as old bank accounts, stock dividends, and utility deposits, tax surpluses are often for huge amounts of money and aren’t advertised publicly on the state’s website. They’re the best-kept secret in the „found money“ business. But are tax surplus finder fees legal?

If you’ve studied your state’s code, you probably ran across a section titled „Unclaimed Property Act“ or something along those lines. In it, it outlines what happens to abandoned property, who holds it, how long they have to hold it, etc. It also outlines restrictions on those acting as money finders – helping claimants find their lost funds, and collecting a fee for their services.

Most states limit what money finders can charge at between 5-15%. This would appear to indicate that the 30-50% tax surplus finder fees are violating the law. Thankfully, not everything is as it seems.

The wording in the state code only applies to those funds held at the state level. If you read the code closely, it will describe what exactly constitutes „abandoned property“, and thus what those 5-15% limits apply to. Tax surplus finder fees ARE legal, because they fall outside of this definition (for a time).

What this means is that restrictions imposed on fees and finders do not (in most states) apply to finders working tax surpluses. Since there is a time when they are not considered „abandoned property,“ during that time finder fee limits don’t apply and requirements for who can work the funds also don’t apply.

Anyone who is interested in becoming a money finder can get around these state restrictions by working tax surpluses. Because of the high foreclosure rate, there are a lot of funds to be claimed – and once you get good at tax surpluses, you can move on to the huge surpluses created by mortgage foreclosure and also estates and missing heirs. There’s no end in sight to the creation of these funds, and you can safely and legally collect 30-50% as a finder for these funds.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Maggie Dawson

If there is a way of making money, then it’s stocks and bonds. There are people who are investing their hard earned money on various securities. Each day, thousands and millions of securities are sold and bought all over the world.

So, who is a speculator or an investor in stock exchange market? Well, a speculator buys and sells different types of securities with the ultimate purpose of making a quick capital gain as a result of price fluctuations in the stock market. On the other hand, an investor buys the securities with the ultimate purpose of generating regular income from the holding of securities. His ultimate purpose is coupled with safety investment.

Investors usually hold stocks and bonds for a long period of time. They earn dividends and interest as a reward.

Four Types of Speculators

1.) Bull

A bull is a speculator who anticipates a rise in prices. She buys securities at the current price with the aim of selling them at a future date when prices rise. She buys long and creates pressure on the prices so that they increase. If her speculations go wrong, she spreads rumors that the prices are going to increase (she does bull campaigns also called rigging the market.) A stock market dominated by bull speculators is termed as bullish market.

2.) Bear

A bear speculator anticipates a fall in prices. She enters into a contract to sell securities at the current price with the aim of buying them at a future date when their prices fall. She is a pessimist. If prices fall as per her speculations, she buys them back.

This is termed as selling short. Unlike a bull speculator who keeps her head upward, a bear speculator keeps her head down. She makes efforts of bringing prices down in the stock exchange market through selling pressure termed as bear raid. When her speculations go wrong, a bear squeeze occurs. If the bear speculators dominate the market, then it’s termed as bearish.

3.) Lame Duck

A lame duck is a desperate bear speculator. She is desperate because she had committed herself in an agreement to sell securities to a buyer and the shares are unavailable in the stock market. The buyer is not willing to postpone the deal.

4.) A Slag

A slag speculator applies for securities with the aim that the prices of shares are going to be listed at a premium price on the stock exchange market. She eventually sells the securities when prices increase. She creates false demands by sending a number of applications under different names. A slag speculator is a premium hunter.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Joshua Nyamache

Whether you are thinking about using grease makeup for a theatrical event, a special Halloween party or some other occasion, you need to know what products are out there and how to apply them.

While grease makeup takes more time and preparation than regular water-soluble face paint, it also lasts much longer. Most importantly, grease makeup won’t smear or run under hot lights or conditions where you might perspire. With grease makeup you can create a more dramatic and even professional look.

In addition to your grease face-paints and pencils you will need:

• face-cleanser or cream cleanser and/or baby shampoo
• clean towels or paper towel
• clothing cover-up and hair-ties or shower cap
• possible shaver for men
• mirror if you aren’t working from home
• good quality painting brush, powder brush
• professional setting powder, talcum or baby powder and applicator (see below)
• Q-Tips or fine painting brush, tissue paper, paper towel are all handy
• Other items that you might also consider:
• light moisturizer
• baby oil (to fix mistakes after painting has ’set‘)
• charcoal pencil for eyes
• mascara
• sponge
• mister or water-spray
• glitter and other decoration

Before you start applying the makeup, you need to prepare your face so it goes on smoothly. Thoroughly clean your face, tying back hair where necessary, and for men, have a shave. (Bearded men can apply grease paint makeup but it can be tricky keeping it out of the hair.) Remember that grease makeup will stain clothes, so put on an old button-up shirt. After your skin dries, apply a very light moisturizer.

Working with the lightest color first – usually white – and a good quality brush or sponge, or your fingers, you can outline the area and then fill it in. Alternatively you can paint following the contours of your face. The grease makeup may not go on smoothly if it is too cold, which you can remedy by putting a little dab of the color of in the palm of your hand for a minute. After painting, use your fingers to ‚pat‘ the makeup into your skin.

Unlike water-based makeup, grease makeup requires you to paint your face and then ’set‘ it with a professional setting powder, or baby or talcum powder. (If you go with talcum, be sure to confirm beforehand that you don’t have an allergic reaction to it.) You can ’set‘ the grease makeup either in stages following each color’s application, or at the end of all the painting. Some people prefer the latter, applying all the colors before setting with powder, because they can fix mistakes more easily. The downside however is that you risk mixing colors accidentally and smearing your work.

Whether you ’set‘ in stages or at the end, one reliable way to apply the powder is to partly fill a small, clean, cotton tube sock with the powder, tie it up, and then gently dab your face. Allow the powder sit for a half a minute or so before dusting the excess off with a powder brush. The painted areas should no longer feel moist or sticky – if this is not the case, you probably need more powder. Once the grease makeup has set, it should be fairly smudge-proof. If something needs correcting at this point, you can use Q-Tips soaked in baby oil, but remember that neighboring areas could now be smudged.

Be careful not to apply the grease face makeup thickly or in layers. If you do have too much in one spot, press down on it with your fingers to smooth it out. Continue to refine your face, using Q-Tips or a fine brush for the smaller areas. Grease pencils also can be used for the face, charcoal pencils for the eyes, and don’t forget color for your lips too!

Allow the grease makeup to thoroughly dry, and apply a last light coating of powder, dusting off any excess with a brush or tissue paper. A damp cloth at the end can help remove the excess powder, or spray with a very light mist of water. In warmer climates you can probably skip this step because the extra powder will absorb any perspiration.

If you are applying glitter, it should be done at the very end. Generally glitter is most effective when applied over the eyes or on the cheeks, A glitter gel is often used instead of dry glitter to minimize the chances of it flaking into the eye. With dry glitter, first slightly dampen your face and cheeks, then ‚poof‘ on the polyester glitter. Remember to let the makeup settle for about half an hour before you go out. If you have stray paint on your eyelashes, cover it with mascara.

Products available

For just about any type of face design you will need at a minimum white greasepaint foundation and a black greasepaint pencil, but of course there are many colors in between and you will probably want to try at least a few of them. The leading producers of grease makeup are Mehron and Ben Nye. Mehron grease makeup is focused on the theatrical professionals who want ease of application with good coverage. Ben Nye also appeals to the same community, although Ben Nye grease makeup is actually a cream. Grease face makeup comes in a range of forms, from palettes (generally sold as a kit), to individual liners. Pencils, crayons and sticks are useful for smaller areas of the face. Both Mehron and Ben Nye also make eye-shadows, blushes, a range of glitter and setting powders and sealing mists. You may also want to consider sweat-blocker sprays for the face to help preserve the greasepaint under strong lights or in a hot environment.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by G Blake Cabot

Houston, the 4th largest city in the United States, has numerous apartment homes for anyone wanting to lease. One question that many people ask, especially in this type of economy we’re in, is how one can be approved for an apartment without necessarily showing proof of income. For many complexes in the sprawling city, having a job is a major prerequisite to being approved. Not only does one need to have solid employment, but one needs to be earning enough to afford the monthly rent. Those who are jobless are therefore at a major disadvantage when it comes to being approved. But is there a way to actually get approved in Houston even without a job?

A few places where you can rent without a job

• Westchase District
• The Heights
• Mission Bend
• Katy
• Alief

Navigating joblessness when applying

We have seen that in Houston, renting an apartment involves being able to prove both income and employment. Many apartments actually go to the pain of verifying and this is usually done by a simply phone call to an 800-number or asking for original paycheck stubs or tax returns. Unfortunately in this economy, there is a sizeable chunk of apartment applicants who are without gainful employment.

One of the best ways to get approved for an apartment if you are indeed jobless is to have a co-signer. This is someone in good standing in the community who can attest that they know you and are willing to vouch for your authenticity. Some apartments will approve on the strength of this alone but some will insist on additional information.

Another layer of qualifiers that you can possibly provide is a list of your assets. If you own any property that brings in income, for instance, a rental property, you can show this as proof of income. Some apartments will take this in addition to having a co-signer.

A last and final step you can take to get approved in Houston without a job is to offer to pay a deposit. In addition to a deposit, one can also offer to pay 3 months of rent in advance and also show that they are actively looking for a job. This gives the leasing management the impression that the tenant will find gainful employment soon.

Remember that even after providing all this information, it is still the apartment’s discretion to rent to you or not. Some might also conduct credit checks and background checks to make a determination.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Jimmy Jamm

Financial distress may force a homeowner to sell his property. But there are also times when it is foreclosed by the financial institution to which the property is mortgaged. Yet, the redemption period still gives an opportunity to reown the house. However, there are risks which should be considered in order to take advantage of the stipulated time.

First, the redemption period is time-constrained. This means that the homeowner will be given a short period to reown the house after the buyer or the third-party has filed the necessary paperwork to the court. After such period, the chance to regain ownership of the house will be forfeited.

The second risk is associated with the price to regain ownership. Normally, the price tag isn’t all that should be shouldered as there are also mortgage overdue, taxes, and documentation costs. All of these should be paid within the period allotted.

Third, there are personal risks such as the capacity of the owner to raise huge amount of money to cover the necessary expenses to reown what used to be under his namesake. During the financial distress, there might be other expenses that arose such as unpaid utility bills, credit charges, and school fees. These can come on top of regular costs of daily food and travel.

There can also be associated risks that can pop up from the situation such as when relocation is an option until such time that the house is reowned. If moving out is the top choice, then there can again be expenses that could eat up the amount trying to be earned for the redemption. But there are circumstances when the third party would still allow the owner to dwell until it is redeemed or until the redemption expires.

The redemption period is like a last ticket to a must-see movie. But unlike movies which can possibly be streamed on the internet, reownership of a house is tricky. It concerns effort, time, and money. These three needs to be combined seriously along with the right mixture of perseverance in order for the redemption period to be a fruitful endeavor towards repossession of the property where memories and moments are shared and created.

If you are currently under a redemption period and you’re quite unsure of the steps to take, your friendly local real estate agent is just a call away. He will be more than happy to guide you step-by-step and will even give you advices on the situation.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Desare A Kohn-Laski