How To Find The Right Real Estate Agent In Chapel Hill

The layout of Chapel Hill is superbly designed with tree-lined streets and beautifully maintained neighborhoods. If you are thinking about buying a home in North Carolina, the buying process will be much easier if you select the right real estate agent.

The following are a number of tips to finding the right agent when looking for a home in North Carolina:

1. Search Online: The internet is a great resource to find agents. You just need to enter the search terms: ‚Chapel Hill North Carolina Realtors‘ or ‚Chapel Hill North Carolina Real Estate Agents“ to find the most relevant search request

2. Chapel Hill Association of REALTORS: Check with the Association of REALTORS, which you can find online. They have a membership of 500 members and a search tool that allows you to locate a realtor.

3. Chapel Hill-Carrboro Chamber of Commerce: The website of the Carrboro Chamber of Commerce is a good place to find realtors. They have an online directory that lists Chapel Hill businesses and organizations, including real estate agents.

4. IntroLinks Network: The IntroLinks Network is a Local Online Directory and Link Exchange for Realtors in NC. It contains a list of top real estate agents.

5. Real Estate Agent Credentials: The real agent you choose should have the proper credentials, particularly if you are looking for an agent that specializes in a specific area of the housing market. Look for the following accreditations: CRS (Certified Residential Specialist), ABR (Accredited Buyer Representative), LHMS (Certified Luxury Home Marketing Specialist), and SRES (Seniors Real Estate Specialist). Ask how long the agent has been licensed and how many buyers and sellers he or she has assisted. Ask the agent about the fee structure such as a percentage of the sale price or a flat fee.

6. When interviewing a real estate agent: Ask the agent how often you will be updated about the house search. Pay attention to the agent’s listening skills. Make sure the agent is actively listening to your needs. Be clear about what you want. Make a list of your priorities and give it to the agent so that he or she knows exactly what you are looking for.

In today’s housing market, it is much easier to get a great deal on a new home. In Chapel Hill, North Carolina, there are many beautiful homes for sale. When you use the services of a professional agent, you are sure to find your dream home nestled in a beautiful and welcoming community.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Wayne Cowan

Warum können Smartphones 2022 bei der Verwaltung unserer privaten Finanzen helfen?

Finanzen sind für viele ein leidiges Thema, mit dem sie sich am liebsten nicht zu intensiv beschäftigen. Da sind Apps für das Smartphone willkommen, die diese Angelegenheit etwas einfacher gestalten. So gibt es einige Programme und Anwendungen, die es uns erlauben, unserer Finanzen von unterwegs aus zu managen. Das kann Finanzangelegenheiten unkomplizierter gestalten und Nutzern außerdem dabei helfen, Zeit und Nerven zu sparen.

Shift von Laptop zu Smartphone

Tragbare Geräte sind in unserer heutigen Welt die bevorzugten Devices. Der große und schwere stationäre PC wird in den meisten Haushalten mittlerweile von einem oder mehreren Laptops abgelöst. Und auch Smartphones haben schon längst ihren Weg in unseren Alltag gefunden.

Für die Internetnutzung unterwegs ist mittlerweile das Smartphone sogar das bevorzugte Gerät. Im Jahr 2019 verwendeten bereits knapp 78 % der Internetnutzer ein Smartphone; der Laptop liegt mit etwas über 42 % lediglich auf dem zweiten Platz.

Um für möglichst viele Menschen zugänglich zu bleiben, versuchen die meisten Anbieter, ein breites Angebot bereitzustellen. Ein gutes Beispiel dafür sind Spiele- und Casinoanbieter. So können auf die Dienste von NetBet etwa nicht nur von einem Browser aus zugegriffen werden, sondern auch über mobile Apps. Anbieter optimieren ihre Apps, um auf allen gängigen Betriebssystemen zu funktionieren. Sie können sowohl auf Android-Geräte, als auch iPhones und Tablets heruntergeladen werden.

Mit dem Smartphone die Finanzen immer im Blick

Mittlerweile gibt es viele hilfreiche Apps für das Smartphone, mit denen Sie Ihre persönlichen Finanzen verwalten und im Blick behalten können. Nutzer können so viele Geschäfte ganz einfach am Handy erledigen, für die sie eigentlich den Computer hochfahren hätten müssen. Auch den Besuch von Ladengeschäften und Filialen können Sie sich so in den meisten Fällen sparen.

Banking Apps

Online-Banking ist schon lange ein Standard und auch Banking Apps werden immer beliebter. Nutzer können damit am Smartphone alle wichtigen Bankangelegenheiten abwickeln. Sie können so jederzeit den Kontostand von unterwegs aus einsehen und auch Überweisungen tätigen. Das kann das Leben von Bankkunden enorm vereinfachen – stationäre Filialen werden damit größtenteils überflüssig. In vielen Fällen führt das auch zu günstigeren Gebühren für Kontoführung und Bankgeschäfte.

Haushaltsbuch-App

In ein Haushaltsbuch können Nutzer ihre Einnahmen und Ausgaben eintragen. Diese Bücher gibt es mittlerweile auch als Apps. Das ist besonders praktisch für unterwegs, denn so können Sie sofort eintragen, wenn Sie etwas gekauft oder Geld ausgegeben haben. So geht auch keine noch so kleine Ausgabe unter – schließlich haben wir unser Smartphone immer dabei und können diese sofort eintragen.

Das kann Nutzern einen Überblick über ihre Finanzen geben und eventuell sogar beim Sparen unterstützen. Manche Apps erlauben zum Beispiel die Erstellung eines Haushaltsplans.

Sicherheit nicht vergessen!

Besonders wenn es um unsere Finanzen geht, versenden wir oft sensible und sehr persönliche Informationen über das Internet. Da ist es von besonderer Bedeutung, dass dies auf sichere Art und Weise geschieht. Banking und natürlich auch andere Apps fallen oft Hackerangriffen zum Opfer. Smartphone-Nutzer sollten deshalb immer darauf achten, ihre Daten sicher zu halten. Nutzen Sie stets eine sichere und verschlüsselte Internetverbindung und halten Sie Ihre Passwörter geheim. Der sorgfältige Umgang mit privaten Daten kann Ihre Sicherheit enorm erhöhen und die Gefahr von Cyberattacken minimieren.

Commercial Real Estate Investment – Basics

Commercial real estate investment is the natural progression from residential property investment. Experienced property investors tend to move into commercial real estate sooner than later – and for very good reasons.

Once your portfolio grows you will find it very difficult to manage your investments if a large portion of them is tied in residential properties. Imagine if you have $15 million worth of residential properties. That will be a lot of homes and tenants to take care of.

On the other hand $15 million will buy only a very small number of commercial properties that will be comparatively easy to manage with much lesser overheads.

Commercial properties include offices, industrial sheds, free standing retail shop, bulk retail, block of shops, medical centers, service stations, motels, hotels, back packers, health clubs, churches, funeral parlors, child care centers, car yards, convenience stores, shopping malls, to name just a few. Each type of commercial real estate investment has its own peculiarities, strengths, problems, rewards and risks.

The return on investment in commercial real estate is much higher than residential property.The income is net and not gross because the tenant pays all the out going expenses. The income is also more stable because of the long leases.

It is typical to have returns of around 10% net for a commercial real estate investment and any where from 7% to 9% net return for a prime property.

The value of a commercial real estate to a great extent is determined by the quality of the lease. In general the value is determined by taking net contractual rental being paid and use of a capitalization rate to arrive at a value. The value is also determined by the quality of the tenant and length of the lease.

The value of a commercial property can drop substantially if it becomes vacant. I have seen commercial properties being sold at less than half their value if they are difficult to lease.

Commercial property management is also much simpler because tenants have a strong vested interest to maintain the property to a high standard. Tenants usually derive their income from the property. They have to keep the property looking good and maintain functionality to impress their clients.

I have seen tenants spend hundreds of thousands of dollars to make improvements to the property. Most of these improvements stay with the property long after the tenant has left the property.

Real estate law is more flexible towards commercial lease contracts. You can virtually word and add any clause that is agreeable to the contracted parties. It is common to charge penalty interest on the out standing rent or lock the premises on continued default of rent.

By far the biggest risk in commercial real estate investment is finding a new tenant in case of a vacancy. In commercial real estate the requirement of each tenant in terms of size, location, use and rent payment capacity is so different that it is very difficult to get the right tenant for the right property.

For the reasons mentioned above it is also difficult to sell a commercial property investment. Higher the value of property there are lesser number of investors to buy the property. A commercial property investment is less liquid than other investments because there are very few players in the market. For a residential house there will be hundreds of potential buyers which is not the case with commercial properties.

Commercial real estate investments are generally sold on capitalization rates and rarely on replacement value. It is therefore possible to purchase a poorly rented commercial property well below its market value. You can also increase the value of your commercial real estate simply by raising the rents during rent reviews or re-negotiating the lease terms when it come up for renewal.

The funding for commercial property investments is harder to get as banks look at the quality of tenants, length and terms of lease. They will typically fund a maximum of 50 % to 66% of the market value of the property. The lending rates are also marginally higher. You will therefore need more equity to buy. This reduces your leveraging power to buy more property.

Commercial real estate is where professional investors put their energy because of the higher returns and ease of managing them. For these investors commercial property is their ‚bread and butter‘ and they drive their speculative income by trading in residential properties.

Some commercial investors focus their attention to improve and add value to their commercial portfolio. Whilst others use their rental returns to fund development projects that show much higher returns but need different and more advanced skill sets.

Commercial property investing is very rewarding but requires more knowledge, experience and capital out lay. It is advisable not to jump into commercial real estate from the very out set until and unless you have the knowledge, very deep pockets and risk taking ability. It is advisable to start with residential real estate investment to build your equity and cash flow.

You should buy at least 8 to 10 residential investment properties before venturing into the world of commercial real estate.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Colin Kumar

Finance – Need Of Everyone

Finance means to provide funds for business or it is a branch of economics which deals with study of money and other assets. In a Business management, finance is a most important characteristic as business and finance are interrelated. One can achieve its goal through the use of suited financial instruments. Financial planning is essential to ensure a secure future, both for the individual and an organization.

Personal finance

Personal finance may be required for education, insurance policies, and income tax management, investing, savings accounts. Personal loan is an effective source of personal finance. To avoid burden and life become enjoyable personal finance may be used as if getting it from a right source at minimum cost.

Business finance

Financial planning is essential in business finance to achieve its profit-making objectives. There are two main types of finance available to small business:

Debt Finance: lending money from banks, financial institutions etc. The borrower repays principal and interest.

Equity Finance: source of equity finance may be through a joint venture, private investors. It is a time consuming process.

State finances

Finance of states or public finance is finance of country, state, county or city. It is concerned with sources of revenue, budgeting process, expenditure spent for public works projects.

How to maintain your finance solutions

To maintain your finance then take up best finance solutions this will give you the advice to manage your finance in better way. In financial crises, applying for a loan is the best way to finance your needs. Nowadays E-finance is another option for finance as borrower gets wider option in choosing the best lender. Financial planning is important for your finance solutions

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Ankur Kharbanda

Keeping Your Home Buying Wish List On Track

Although experts in the real estate industry continually suggest the importance of seeing a lender before doing anything else with regards to purchasing a home, many buyers don’t. Instead, they merrily attend open houses, mine Internet real estate databases and hound real estate agents to show them homes that they may not even qualify to purchase.

We want to help you be a smart homebuyer, so we’ve developed a checklist to help you keep your home buying wish list realistic.

To avoid creating a fantasy wish list you absolutely must know how much money you can spend on a house. Only a lender can help you determine this figure. Once you know what you can spend, we can help you determine where you can afford to live. From there, you can build a realistic wish list.

The Home

The first items on your home buying wish list should be based on what you absolutely can’t stand about your current home. Is it too far from work? Then your home buying wish list should include that you want a shorter commute. Does it drive you nuts to have to find a parking place every night when you get home? Put a garage on the home buying wish list as well.

Next, determine what you need on your home buying wish list. If you have a large family, maybe you need additional square footage or more bedrooms and bathrooms. If you work from home, perhaps an office is a must. Bad knees and staircases don’t mix so a one-story home may be a necessity.

Finally, it’s time to think about the extras you will want for your home buying wish list – those items that you can live without, but it would be wonderful if they were included in your new home.

The Neighborhood

Las Vegas houses for sale

Now that you’ve figured out what your ideal home should include, it’s time to think about the type of neighborhood in which you’d like the home to be situated. Some items to consider for your home buying wish list:

• Crime: A neighborhood’s crime rate is something that you will need to investigate on your own as laws prevent real estate professionals from discussing this with you. Call the local police department for neighborhood crime statistics. You’ll also find information online, with the FBI’s Sex Offender Registry.

• Property values: Look for a neighborhood where property values are rising. You’ll usually find these types of neighborhoods on the fringes of more expensive communities, according to the National Association of Realtors.

• Easy Ingress and Egress: The ease of entering and leaving a neighborhood is especially important to commuters.

• Future Plans: Many homebuyers underestimate the impact of an area’s future plans on their property values. The best way to find out what the city has in mind for the area surrounding your neighborhood is by visiting the city planner’s office.

• Noise Level: While many people don’t mind the sound of kids playing and loud music, others aren’t comfortable in anything less than complete silence. If you are of the latter group, cruise the neighborhood in question at different times of the day and night and on weekends as well as weekdays.

• Lifestyle: If you’re a young, single professional you probably won’t feel at home in a family neighborhood so consider a place downtown, or close to it. If you can put up with the typically higher crime rate and lack of convenient parking, a home in the urban core may be ideal. Folks with kids, on the other hand, may want to look at neighborhoods with cul-de-sacs so the little ones are safe from traffic.

• Neighbors: Because the condition of your neighbor’s homes will affect the value of yours, take a good look at the other houses on the block. Foreclosures will drag down the value of neighboring homes. Unsightly landscaping and poorly maintained homes do likewise.

When the home buying wish list is finished, we’ll find you some affordable neighborhoods and get down to the serious business of the Great American Househunt.

Here’s a checklist to bring along with you:

• Determine exactly how much you can afford to spend on a home.

• Ask us to point you to some neighborhoods with homes priced within your budget.

• Determine what drives you crazy about your current home

• Get clear on your needs in a home

• Decide on your „wants-but-can-live-without“ items

Investigate potential neighborhoods:

• Crime

• City planning

• Traffic

• Noise level

• Does it fit your lifestyle?

• Do the neighbors take care of their homes?

• Proximity to schools

• Proximity to city amenities

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Erika Bentley

Buying Real Estate, Things to Avoid

When investing in real estate or buying properties there are some things you should avoid. One thing you should avoid when buying real estate is properties that the taxes are not up to date on. The reason for this is if the taxes are not paid the government can take a way the property. The last thing you want is to invest some time and money and end up not being able to buy or even worst lose a property. It is recommended that you get the information about the taxes before you buy a property.

Another thing you should avoid when buying real estate is properties that have over due bills like water and sewage. The reason for this is if the water and sewage are not paid the government can take away the property. If you do buy property that the bills or the taxes need to be paid, it is important that you do have the money to pay them off.

One last thing you should avoid when buying real estate is properties that are overpriced. If a property is over priced and the housing market goes down, if you do sell the property you can end up losing money. It is recommended that you buy property at or below market value. If you do buy property at or below market value you will usually make more money if you decide to resell it. Buying houses can be very profitable if done right. If you use the information you read here you will have a better idea on some of the things to avoid when investing in properties.

Immobilienmakler Heidelberg

Makler Heidelberg



Source by Kevin Cox

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