So how do you stay calm, composed and maintain self esteem in a tough environment? Here are some tips you may to consider as a starter guide to self improvement.

Imagine yourself as a Dart Board. Everything and everyone else around you may become Dart Pins, at one point or another. These dart pins will destroy your self esteem and pull you down in ways you won’t even remember. Don’t let them destroy you, or get the best of you. So which dart pins should you avoid?

Dart Pin #1 : Negative Work Environment
Beware of “dog eat dog” theory where everyone else is fighting just to get ahead. This is where non-appreciative people usually thrive. No one will appreciate your contributions even if you miss lunch and dinner, and stay up late. Most of the time you get to work too much without getting help from people concerned. Stay out of this, it will ruin your self esteem. Competition is at stake anywhere. Be healthy enough to compete, but in a healthy competition that is.

Dart Pin #2: Other People’s Behavior
Bulldozers, brown nosers, gossipmongers, whiners, backstabbers, snipers, people walking wounded, controllers, naggers, complainers, exploders, patronizers, sluffers… all these kinds of people will pose bad vibes for your self esteem, as well as to your self improvement scheme.

Dart Pin #3: Changing Environment
You can’t be a green bug on a brown field. Changes challenge our paradigms. It tests our flexibility, adaptability and alters the way we think. Changes will make life difficult for awhile, it may cause stress but it will help us find ways to improve our selves. Change will be there forever, we must be susceptible to it.

Dart Pin #4: Past Experience
It’s okay to cry and say “ouch!” when we experience pain. But don’t let pain transform itself into fear. It might grab you by the tail and swing you around. Treat each failure and mistake as a lesson.

Dart Pin #5: Negative World View
Look at what you’re looking at. Don’t wrap yourself up with all the negativities of the world. In building self esteem, we must learn how to make the best out of worst situations.

Dart Pin #6: Determination Theory
The way you are and your behavioral traits is said to be a mixed end product of your inherited traits (genetics), your upbringing (psychic), and your environmental surroundings such as your spouse, the company, the economy or your circle of friends. You have your own identity. If your father is a failure, it doesn’t mean you have to be a failure too. Learn from other people’s experience, so you’ll never have to encounter the same mistakes.

Sometimes, you may want to wonder if some people are born leaders or positive thinkers. NO. Being positive, and staying positive is a choice. Building self esteem and drawing lines for self improvement is a choice, not a rule or a talent. God wouldn’t come down from heaven and tell you – “George, you may now have the permission to build self esteem and improve your self.”

In life, its hard to stay tough specially when things and people around you keep pulling you down. When we get to the battle field, we should choose the right luggage to bring and armors to use, and pick those that are bullet proof. Life’s options give us arrays of more options. Along the battle, we will get hit and bruised. And wearing a bullet proof armor ideally means ‘self change’. The kind of change which comes from within. Voluntarily. Armor or Self Change changes 3 things: our attitude, our behavior and our way of thinking.

Building self esteem will eventually lead to self improvement if we start to become responsible for who we are, what we have and what we do. Its like a flame that should gradually spread like a brush fire from inside and out. When we develop self esteem, we take control of our mission, values and discipline. Self esteem brings about self improvement, true assessment, and determination. So how do you start putting up the building blocks of self esteem? Be positive. Be contented and happy. Be appreciative. Never miss an opportunity to compliment. A positive way of living will help you build self esteem, your starter guide to self improvement.

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Real Estate sales is a fascinating subject and if you are interested in selling your residential property there are some little known but important points which if followed can help you in finding a good buyer for your home.

Here are some guidelines to help you sell your home:

Rule 1:

If you are serious about selling your home stay out of the way when prospective buyers come visiting. Get out of your home visit your granny or take the kids to the park. Homebuyers feel like intruders when they come into house when you are around. Stay in the background if can’t go out. Don’t speak up about your home unless asked to and answer only when the agents asks you some question. Just state the facts.

Rule 2:

When you know someone is coming by to tour your home, turn on all the indoor and outdoor lights, even if it is daytime. Lights brighten up the home and make it more cheerful. At night, a lit house gives a nice impression of homeliness and comfort, when viewed from the street. During the daytime, turning on the lights brightens up any dim areas.

Rule 3:

Do not use air fresheners to prepare for visitors. Many people do not like the strong smell of the air freshener and also, it is too obvious that you are doing it for them. Not to mention the fact that some people may be allergic to these fresheners. If you want to have a pleasant aroma in your house, have a potpourri sachet or something natural. Put some fresh flowers in a vase to brighten up the home.

Rule 4:

If you have pets, make sure your agent puts a notice along with the listing for your home that you have a pet, in the multiple listing services. You don’t want your pet barking at strangers or chasing them out or running out of the front door and getting lost. If you know someone is coming, it is best to try to take the pets with you while the homebuyers tour your home. If you cannot do that, at least keep dogs in an enclosed area in the back yard. Try to keep indoor cats in a specific room when you expect visitors, and put a sign on the door. Most of the time, an indoor cat will hide when buyers come to view your property. Take whatever precautionary measures you need to take about your pets. This is one of the most important rules of Real Estate sales.

Rule 5:

Empty your trash especially, the kitchen trash. Kitchen trash may smell or convey a not so nice picture of your home. So dispose of all the trash from the different rooms in your house and present a clean and tidy picture.

Rule 6

Keep the house clutter free and neat and tidy. Put all the things in their respective places and keep everything clean and dusted. An ordered home conveys a positive image and buyers will want to come back and have a look again. Try your best to have it look like a model home - a home with furniture but nobody really lives there. This is the second most important rule of Real Estate Sales.

Following these simple yet effective rules of Real Estate sales can make homebuyers comfortable and in a mood to buy. Contrary to what you think when people enter your home they take in the atmosphere of the home, they are not just looking at the walls and rooms. A clean, tidy, bright and cheerful home conveys the impression of a happy home and people want to buy happy homes.

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Before you buy a new home:

1. Find a reliable builder.
2. Make sure you visit an older development of the same builder and find out about residents experiences with the builders.
3. Are they happy with the construction, facilities, and design of their homes? Do they have any complaints against the builders?
4. After you have decided on the builder check out what comes as part of the house and what needs to be paid for. For example if you need an extra bathroom or a sit-out tell the builder before plans have been made and designs finalized. You might be able to get the modifications done for very little extra cost. Asking for these changes at a later stage will be a big headache and increase costs exponentially.
5. Inspect the house at every stage to know that there is no shoddy work and quality materials are being used in the construction. Defective work can be rectified at an earlier stage much more easily than at a later stage.
6. New homes should always be inspected before the walls are closed. So ensure an inspector has visited your new home and given an all OK certificate.

Advantages of owning new homes are

1. New homes are usually built with the latest technology so you don’t need to worry about the asbestos or lead based paints on your walls. These materials, which were extensively used in the past, have found to be great health hazards.
2. New homes also have the latest energy saving devices for heating, cooling and insulation, which mean lower energy bills for you.
3. New homes are also built with the newer gadgets in mind so usually provision have been made for your microwave, dishwashers, treadmills, home theatre systems etc both in floor space and in electrical outlets.
4. You don’t need to worry about the maintenance of your roofing, ceiling and appliances for the first year or so.
5. You can decorate your home and do the landscaping according to your tastes and not be satisfied with somebody else’s work.
6. No worries about older appliances breaking down, roofs leaking or old wiring needing replacement.

Disadvantages of owning a new home

1. Fully constructed new homes usually do not look the same as the model homes that your builder showed you. So don’t be disappointed.
2. Prices of new homes usually start higher than an old home of the same size.
3. Usually the homes are priced at the bare bones level. To get upgrades like good carpets, better tiles and fittings you need to pay extra.
4. You need to furnish, buy appliances, add blinds etc for your new home.
5. New homes may be in underdeveloped areas where schools, transportation and shopping are not yet fully established.
6. Problems with building, construction may be detected only much later.

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There are many ways you can make money on a foreclosure

1. It’s really tempting to focus our energies on properties selling for 50% of their fixed-up value, which are rare to find, or most often snapped up even before ordinary investors get a whiff of it. Most people will find it easier, and more efficient, to focus on properties selling in the 65% to 80% of value range.

2.Seasoned investors find deals apart from the steep discount in foreclosed home prices like in very old loans that have been paid upon for many years.

3. Others find value from price appreciation in a “seller’s market” where homes are appreciating rapidly in price.

4. Still others find value when the lender does not wish to deal with the property due to damage or necessary repairs, where the lender will accept less than they are owed on the property.

Now, how do go about finding these deals?

When payments aren’t being made on a loan secured by real estate, lenders will often initiate default proceedings when the third loan repayment is missed.  The owner still retains possession and can sell or refinance the real estate to save his credit history. These properties will usually be called a pre-foreclosure property by many investors.

Now, lenders cannot release information about their distressed loans due to privacy concerns, and homeowners often do not want to publicize their situation. There are alternate ways to find these properties, along with owner contact information.   That source of information is usually the local county recorder.

If you do not have inside sources at the lending agencies then your best bet is the Country/Court Recorder. Virtually all documents regarding real estate transactions are recorded and filed by the county recorder/Court recorder. As the documents are in public domain you can access and search those documents.  Most properties in default can be identified by the initial foreclosure document, which in most states will either be a Notice of Default or a Lis Pendens.  A Notice of Default, or NOD, is used in non-judicial states, while the Lis Pendens is used in judicial states.  Remember that just because NOD or Lis Pendens has been filed does not mean the foreclosure properties will go for sale!

Most county/court recorders have established searchable websites. Use the online recorders site to find properties by searching for those document types.  That should get you a list of owner names and document numbers.  If the documents are not online, you’ll have to physically check them out at recorder’s office with your list. Search by owner name or document number, and look at the document (Notice of Default, or Lis Pendens), which will reference the original loan, the property address and the default amount.

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Foreclosure properties come up for sale when the property owner who has a taken a loan or mortgage on the property is unable to repay the loan and the lending company takes possession of the house and puts it up for sale. Foreclosures are usually distress sales made because of the inability of the owners to repay the mortgage taken by them.

It is essential for you to understand the process, and what steps you need to take at different times of the process to make a successful investment in a foreclosed property which usually sells up to 50 to 20 percent cheaper than its list price.

The foreclosure process may end up in any of the following 4 scenarios:

1.The borrower/owner pays off the default loan repayments to reinstate the loan during the grace period also known as pre-foreclosure.

2.The borrower/owner manages to sell the property to a third party during pre-foreclosure period, allowing the borrower/owner to pay off the loan and avoid having a foreclosure on his or her credit history.

3. A third party buys the property at a public auction at the end of the pre-foreclosure period.

4.The lender takes ownership of the property, usually with the intent to re-sell. The lender can take ownership through an agreement with the borrower/owner during pre-foreclosure or by buying back the property at the public auction.

Real estate foreclosure investors have the opportunity of buying the distressed property under the following 3 conditions

1. Buying during pre-foreclosure period
2. Buying at public auction
3. Buying bank-owned properties

According to expert investors in foreclosure properties the best foreclosure deals usually go to those who have friends in the foreclosure department of a local bank. When someone defaults on loan payments the real estate investors in foreclosures and researchers on the look-out for such information may get to know about it and start making preparations for researching and buying up the properties.

Banks, which are in the business of real estate view foreclosed properties as liabilities and are eager to sell them, sometimes, even at a discount. Those that are not snapped up from the bank directly are usually sold out with in days of being listed with real estate agents.

But even if foreclosed properties are being sold at bargain prices don’t forget to do the basic research that you would do before buying any property.

 - Check out if the prices being offered are in line with market prices.
 - What’s going prices for properties in the neighborhood?
 - And most important get the property inspected as many foreclosed properties are poorly maintained.

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What is Median Price?
The price at which half the homes sold were above and half the homes sold were below

What is Average Price?
The price resulting from adding up all the sales prices then dividing by the number of homes sold

What is DOM?
Days on Market, how many days it took to sell the home

What is SP/LP?
Selling price to listing price ratio

Who’s a Buyer’s Agent?
A real estate agent who works on behalf of a buyer in a real estate transaction. The agent’s loyalties are with the buyer. It is the agent’s duty to share any information about the property or sellers that may help the buyer make decisions regarding the transaction.
Agent status must be disclosed to all parties.

Who’s a Seller’s Agent?

A real estate agent who works on behalf of a seller in a real estate transaction. The agent’s loyalties are with the seller. It is the agent’s duty to share with the seller all information about potential buyers that may help the seller make decisions regarding the transaction.

What is a Foreclosure?

When a borrower defaults on his loan payments (3 installments), or broken the terms of mortgage agreement, the lending agency will initiate legal proceeding. The property that was used to secure the debt is then sold to pay off that debt. This is called foreclosure.

What is MLS?

MLS (multiple listing service)
The service combines the listings for all available homes in an area, except For Sale By Owner (FSBO) properties, in one directory or database.

What is Appraisal and Appraised value?

A written justification of the price paid for a property, primarily based on an analysis of comparable sales of similar homes nearby.

An opinion of a property’s fair market value, based on an appraiser’s knowledge, experience, and analysis of the property. Since an appraisal is based primarily on comparable sales, and the most recent sale is the one on the property in question, the appraisal usually comes out at the purchase price.

Who is Broker?

A broker is anyone who acts as an agent, bringing two parties together for any type of transaction and earns a fee for doing so. But broker have several meanings in different situations. Most real estate agents work under a “broker.” Some agents are brokers as well, either working form themselves or under another broker. In the mortgage industry, broker usually refers to a company or individual that does not lend the money for the loans themselves, but broker loans to larger lenders or investors.

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Are homes a good investment? As a fairly general rule, homes appreciate about five percent a year. Some years it will be more, some years less. The year 2004 was an exception though when real estate prices really zoomed and homes appreciated in double digits. Generally homes appreciate more slowly but steadily. The figures again will vary from neighborhood to neighborhood, and region to region.

Let’s look at the figures in a little more depth for a particular case.

Suppose you bought a home for 300,000 dollars. At the end of next year if your home appreciates by 5%, your home would be worth $315,000 and if it appreciates by 4% your home would be worth about $312,000.

When you buy a home you are not going to pay the whole $300,000 at one go. You may have paid 20% cash down as the initial down payment of $60,000. So your return on investment is not on $300,000 but on that $60,000. So now when we calculate the return on investment it is 25 % for 5% increase in property prices and 20% for a 4% appreciation.

But, of course you need to pay interest on your mortgage and property taxes. Suppose you pay 6% on your mortgage of $300,000 - which is $18,000 and $6000 in property taxes, you will have a total outgo of $24,000 in interest and taxes. But remember that your mortgage and property taxes are tax deductibles. So if you pay taxes at 30% you straightaway save $7200 in taxes.
(There are some conditions like you can claim these deductions only if you live most of the time in the house for which you have secured the mortgage and you can’t claim deductions on appraisal fee, title insurance fee, settlement fees etc that you pay when purchasing your home. You need to consult with your tax accountant to clarify these matters. Here we are assuming that you are following all the IRA rules)

Now let’s summarize those figures at the end of year at say 4% appreciation of prices in the homes for a 60,000 down payment you end up $12,000 + $7,200) - ($24,000. with a outgo of $4800. At the end of the mortgage period of 20 or 30 years you own a house, which should have steadily appreciated over that period.

Now supposing you rent a condo and your monthly rental + condo fees expenses are about $1200. For a full year your outgo will be about $14,400. But you still have that $60,000(down payment) in hand to invest in something else. Suppose you are a conservative investor and put it into Govt. Treasury bonds, you will earn about $1800/year @ 3% or $1200 @ 2%. So your total outgo will be $14,400-$1800($1200)= $12,600($13,200).

These numbers may vary from region to region, based on the area of homes, based on your rent, based on interest on mortgage, and value of your home. But you can make a rough calculation and add or deduct numbers applicable to your particular case and you will able to make an informed decision on whether to buy or rent homes.

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