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How Low Can You Go? How To Make A Real Estate Offer That Isn’t Insulting

By John Ash

One of the most tried and true methods of getting the best possible price on a home is to offer the seller less than the asking price.

Yet, many home buyers are hesitant to use this method of negotiating. They feel as if a low offer will insult the seller. Some real estate agents have acknowledged that many home buyers have also expressed a sense of shame or embarrassment by not offering the asking price.

True, you may in fact encounter many sellers who are offended by your low offer, but there are ways to prevent this from happening. It’s just a matter of assuring the seller that the price you are offering is what works best for your purposes and taking the time to explain your reasoning.

Is it not worth the gamble if there is potential to save anywhere from $10,000 or $40,000 on the deal? Think about it. That’s more money to allocate towards any renovations or furniture for the house.

[youtube]http://www.youtube.com/watch?v=CX35gKtVQ6g[/youtube]

Sellers definitely have an emotional attachment to their house but this doesn’t necessarily mean they will be insulted by a low offer. Many sellers and their realtors recognize that a buyer’s initial offer is nothing more than an opening negotiating ploy where the buyer is feeling out exactly how desperate the seller is to part with the property.

But, to cover your bases, you should accompany any low offer with an explanation as to why you feel the price cut is fair. For instance, if the property is in need of updating, particularly potentially expensive items like a roof, wiring, appliances and the furnace, you could specifically state this to help offset the possibility of insulting the seller.

If you have a friend or family member who is a contractor, take them with you to view the house, and have them work up an estimate of the potential cost of any renovations to include with the offer. If the bathroom doesn’t meet your criteria – how much will it cost to renovate the bathroom to suit your needs? By breaking things down like this, you are showing the seller that your offer isn’t intended as a slap in the face but more or less a means to show them the perspective from your side.

Hopefully, you are reducing the risk that the seller will be so insulted by your low offer that they refuse to counter and cut off negotiations completely. With any luck, particularly if the location isn’t necessarily a seller’s market, the seller might even question whether or not they’ve overpriced the house upon reviewing your offer and comments. Explaining your reasoning will also give the seller the opportunity to correct any misjudgment on your part. For instance, maybe the roof isn’t as old as you thought and they can make you aware of that fact.

Check out the market locally to determine if you have any leverage in making a low initial offer. It’s conceivable that the seller may have the home listed on the higher end of what comparable properties in the area are actually selling for. This gives you negotiating room. Also, if the house has been on the market for some time and has already been reduced several times, the owner may have already gone as low as they can possibly go and may not be so inclined to hear out your low offer. Some research on the part of you and your real estate agent is a means to ensure that you aren’t in any way insulting the seller.

It’s also not a bad strategy to offer the seller something in return to get them to look past the low offer or come back to you with a reasonable counter offer. It may help your case if you show the seller that you have mortgage pre-approval, can close within 30 days, are willing to pay a portion of the closing costs or can provide them with a larger earnest money deposit.

The main purpose of a low end offer is to alter seller expectations. There is an art to the whole process. Some experts state that you should never offer less than 20% – 25% of the asking price but many successful real estate investors will argue this. Their belief is that this method of negotiating for real estate is worthwhile if there is one seller who accepts a low offer after a dozen or more rejections from other sellers. The bottom line is you can never predict which owners may be open to a low offer so why not explore it? Some sellers are dealing with hardships like divorce or death. Other sellers may be in a hurry to sell in order to relocate.

Plus, let’s not forget how counter offers play into the process. Let’s say that the seller has their house listed on the market at $300,000 and your initial offer is $250,000. It’s fair to speculate that the seller will reject your low offer but they may also counter it at $280,000. So, by offering less initially, you’ve still managed to knock off $20,000 from their original asking price. The sellers may even claim this as a victory themselves because they’ve managed to get you to agree to $30,000 more than your initial offer. Everyone thinks they’ve won!

About the Author: John is a contributor to a Connecticut Real Estate, Connecticut Mortgage, and Connecticut Real Estate Guide.

Source: isnare.com

Permanent Link: isnare.com/?aid=250133&ca=Real+Estate

On the campaign trail, October 2012

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Monday, November 5, 2012

The following is the twelfth and final edition of a monthly series chronicling the U.S. 2012 presidential election. It features original material compiled throughout the previous month after a brief mention of some of the month’s biggest stories.

In this month’s edition on the campaign trail: a fan of Wikinews asks a critical question at the Second presidential debate; Gary Johnson discusses Syria and foreign intervention with Wikinews, and three candidates give the their final plea to voters ahead of the November 6 election.

Retrieved from “https://en.wikinews.org/w/index.php?title=On_the_campaign_trail,_October_2012&oldid=4641429”

Israeli PM Ariel Sharon briefly opens eyes

Monday, January 16, 2006

Israeli media is reporting that Prime Minister Ariel Sharon opened his eyes for the first time since he suffered a major stroke on January 4, 2006.

However, hospital officials said the reports were generated by the Sharon family’s “impression of eyelid movement, whose medical significance is unclear.”

“He was listening to a tape of his grandson and you could see tears in his eyes for a matter of seconds before he closed them again,” a doctor treating Sharon told AFP news agency on condition of anonymity.

Army Radio, citing unidentified close associates of Sharon, say the Prime Minister could “recognize people around him.”

However, hospital officials state that it is “too early to tell whether the development represented a significant improvement or was just a temporary reflex.”

Sharon had undergone a tracheotomy on Sunday to help with his breathing and to help prevent infection from his respirator tube.

Retrieved from “https://en.wikinews.org/w/index.php?title=Israeli_PM_Ariel_Sharon_briefly_opens_eyes&oldid=4009691”

Debt Settlement Done Right

byAlma Abell

There are debt settlement companies that have your best interest at heart and then there are others. These others charge exorbitant fees and often leave you in more debt than you started with. To make matters worse, they often have reputation management companies that hide the truth about them from their customers. This is why you may never see a negative review when you do a basic Internet search. In order to avoid these scammers, you can work directly with a qualified law firm.

Working with a law firm for the best results

[youtube]http://www.youtube.com/watch?v=P16L1XuVcBY[/youtube]

A law firm can provide you with the legal counseling, advisement, and services you need when seeking debt settlement. If you work with a bankruptcy law firm, they are skilled in debt settlement and can provide you with the assistance you need. Filing for bankruptcy is one of the most effective ways to wipe away your debt once and for all. This type of debt settlement will provide you with the peace of mind you deserve so you can have a fresh start and a new life. Although it can be hard to know which debt settlement companies to trust, you can have faith in law firms that are local to your area. You will know that they are around for the long run and ready to provide trusted financial services on your behalf.

Debt settlement with bankruptcy

Filing bankruptcy can help you get the debt settlement results you are looking for. Chapter 13 bankruptcy can allow you to file for protection from creditors while wiping away all of your unsecured debt. You can also settle your debt through a debt repayment plan with Chapter 13 bankruptcy. This helps you get the best out of your money instead of wasting it on programs that don’t really work for you. Paying interest on past debts can result in more debt and some debt settlement companies don’t provide the help and assistance you were hoping for.

Moving forward with your life

After you have achieved adequate debt settlement, you can work towards moving your life forward. Rebuilding takes time and involves making smarter financial decisions. Even if a change in jobs prevented you from making payments, by not accruing huge amounts of debt, you will be better prepared to handle these challenges. Debt settlement with a qualified legal team can provide you with the tips and advice you need to make the best choices for your future.

Get the debt settlement you need from the law offices of James E. Hitchcock.

Car bomb defused in central London

Friday, June 29, 2007

A car containing an large explosive device has been defused in the Haymarket, London. A second device was later found in a car park in Park Lane.

A car, a light metallic green Mercedes-Benz E Class saloon (produced 1984-1995), parked near the nightclub ‘TigerTiger’, contained petrol, gas cylinders and nails. Police described it as a “potentially viable explosive device”.

Police carried out a controlled explosion at 2:00 a.m. BST and the car has been taken to a forensic explosives laboratory for further investigation.

Eyewitnesses saw the car driving “erratically” and colliding with bins before being abandoned. An ambulance crew in the area alerted police after seeing smoke inside the car.

Deputy Assistant Police Commissioner Peter Clarke said there could have been “significant injury or loss of life”.

A meeting of COBRA, chaired by new Home Secretary Jacqui Smith was held about the incident.

Police say it is too early to tell who is behind the threat. Prime Minister Gordon Brown said the country faces a “serious and continued security threat” and urged people to “be vigilant at all times”.

Disruption has been caused to transport in the area with roads closed and bus routes diverted. Piccadilly Circus tube station has reopened after an earlier closure

Police are reviewing major events to be held in London over the weekend.

CBS News has reported that a message appeared on the widely used jihadist Internet forum Al-Hesbah at 8:09 a.m. June 28, saying: “Today I say: Rejoice, by Allah, London shall be bombed.” The message went on to mention the recently announced knighthood of Satanic Verses author Salman Rushdie.

Following an incident at Glasgow airport, Home Secretary Jacqui Smith announced the elevation of the UK’s national threat level from “Severe” to “Critical”, indicating that an attack could be expected “imminently”.

Two people have been arrested in Cheshire in connection with the Glasgow International Airport attack and attempted London car bombings.

Park Lane was closed to the public due to a suspicious car parked in the underground car park beneath Hyde Park. Police, who believed the two incidents to be linked, cordoned off Park Lane and Hyde Park to allow the bomb disposal unit access to the vehicle. The car was illegally parked on Cockspur Street and was towed to the pound on Park Lane, it was then discovered that the car contained an explosive device.

Retrieved from “https://en.wikinews.org/w/index.php?title=Car_bomb_defused_in_central_London&oldid=3172352”

Spelbound declared winner of Britain’s Got Talent 2010

Monday, June 7, 2010

An acrobatic group known by the name of Spelbound has been declared as the winner of Britain’s Got Talent 2010, a televised variety talent show competition broadcast on ITV in the United Kingdom. As the winning act of the show, Spelbound have won £100,000 (US$144,580, €120,313, A$175,079) and a place at The Royal Variety Performance, an annual gala evening that is attended by senior members of the British Royal Family.

In no particular order, the top three acts were revealed to be two dancers known by their stage name of Twist and Pulse, gymnastic group Spelbound and Kieran Gaffney, whose act involves playing on the drum kit. After Kieran Gaffney was revealed to be in third place, Anthony McPartlin, who hosts Britain’s Got Talent with Declan Donnelly, said to Kieran: “Well done Kieran. Kieran, you’re a star, you came back, you got all the way to the final. I know you’ve loved this. You’ve loved this, haven’t you?” In response to this, Kieran Gaffney stated: “Thank you very much. Thank you, everyone for supporting me. Thank you.”

Shortly afterwards, on the episode that was broadcast live on ITV1 on Saturday, Anthony announced: “After tens of thousands of auditons, five semi-finals and an amazing final, this…this is it. One of you is about to walk away with £100,000 and a place at this year’s Royal Variety Performance. The winner of Britain’s Got Talent 2010 is…Spelbound!” Glen Murphy from Twist and Pulse commented about finishing in second place, stating: “Yeah, it’s amazing. I can’t even believe it. I can’t believe it at all.”

Alex Uttley, a 24-year-old member of Spelbound, commented on the gymnastic group’s victory, commenting: “Oh, my god. This is unbelieveable. We just want to say thank you to everyone out there. It just shows that all our hard work has paid off.” One of the coaches of Spelbound, named Neil Griffiths, stated about Spelbound: “Oh, they’ve worked so hard over the last few weeks. Um, since the semi-final, we…we really had to pull out the stops to try and up the game. They’ve not known they’ve worked in the gym from six in the morning till twelve…twelve o’clock of the night. I couldn’t have asked for more. Um, it’s a team of coaches. I don’t take all the credit myself. There’s, uh, two people up there that know who they are who’ve been fantastic.”

Spelbound consists of 24-year-old Alex Uttley, Nicholas Illingworth, aged 24, Adam Buckingham, aged 21, 20-year-old Adam McAssey, 19-year-old Douglas Fordyce, 18-year-old Edward Upcott, 18-year-old Leighanne Cowler, 17-year-old Katie Axten, 17-year-old Lauren Kemp, 15-year-old Jonathan Stranks, Abigail Ralph, aged 15, 13-year-old Hollianne Wood and Amy Mackenzie, aged 12. Bookmakers had previously predicted that Spelbound would be the most likely act to become the winner of the series.

The running order for the final started with Twist and Pulse. The second act to perform was Liam McNally, a 14-year-old singer. The running order subsequently continued with 40-year-old impressionist Paul Burling, singer Christopher Stone, aged 28, Tina & Chandi, a woman and dog dancing act, Connected, a five-piece singing group, Kieran Gaffney, aged 12, 22-year-old Tobias Mead, a dancer, 80-year-old singer Janey Cutler and Spelbound in that particular order.

Earlier on in the final, Britain’s Got Talent judge Amanda Holden has stated to Spelbound: “We are hosting the 2012 Olympics and I think ‘what a brilliant opening act’.” Fellow judge Piers Morgan also commented that “[t]he purpose of this show is to identify hidden great British talent. You are that act.” After Spelbound won in the final, another judge, named Simon Cowell, stated that “the right boys and girls won on the night” and that he could “only say on live TV that that was one of the most astonishing things I have ever seen. Seriously.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Spelbound_declared_winner_of_Britain%27s_Got_Talent_2010&oldid=4381154”

Occupation in London enters fifth day

Wednesday, October 19, 2011

In solidarity with the Occupy Wall Street and other “Occupy” protests, activists set up camp outside St Paul’s Cathedral in London on Saturday, and they plan to remain indefinitely. The protest thus far has been described as “largely peaceful” by a police spokesman.

On Saturday, an estimated thousand or more people attempted to protest in Paternoster Square, the site of the London Stock Exchange, but were blocked by police enforcing a High Court judgment. Julian Assange from Wikileaks also joined the protest to address the activists. A flag flies over the occupation showing the ‘Anonymous’ logo of a headless man in a black suit.

At around 9:30am Wednesday, many campers were still asleep, but around 30–50 people were listening in solidarity to trade union representatives from the National Shop Stewards Network, while 20 to 30 officers from the City of London police watched on. On the steps of St. Paul’s Cathedral, the speakers spoke about a variety of struggles including strikes by electricians that started in August against Balfour Beatty, one of Britain’s largest construction firms. Solidarity was expressed with the travellers at Dale Farm, and speakers described how the media and others were trying to “divide” workers, students and elderly people. One of the speakers said that while today they are occupying the square in London, “tomorrow we will be occupying universities and colleges” and spoke of the suspension of Vik Chechi, the Unison branch secretary who has been suspended by Queen Mary University. By 9:45am, the trade union talks had finished and the sound system was reactivated and reggae music started playing.

After the talks peter out, activity begins to resume on the site: people sorting out tents and serving food, under signs and banners playfully mixing politics (“The London Stock Exchange: Britain’s Biggest Casino”) with Internet memes (a Reddit cartoon man depicted saying “Y U NO JOIN US?”).

Retrieved from “https://en.wikinews.org/w/index.php?title=Occupation_in_London_enters_fifth_day&oldid=3356562”

What Is The Difference Between The Transfer And Remittance Of Money?

In the money transfer business, Transfer means sending the money from one account to another, it can be national or International. While remittance of money is a term used nowadays to describe the money that is transferred by a person working abroad to his family or dear once at his/her home nation.

Money Transfer

Money transfer business refers to sending money from one account to another account. Despite of the fact that there are various methods of money transfer; Migrants and labours from within the country generally uses DMT (Domestic Money Transfer) to transfer the money domestically to their families as they do not have access to the formal banking system for proof of the residency or identity. This is a cash to bank transfer facility available for walk in customers (Not holding a bank account or are not convenient to use the online money transfer methods). This money transfer business surely enables them to send money to their loved ones.

How does a money transfer services franchise work?

Here the person gives cash to the money transfer agency and then the money transfer distributor transfers the money into the account of the recipient. These agents can be any shopkeeper who have direct contact with labourers and offer the service in exchange of commission provide to them by the companies whose money transfer services franchise the shopkeeper has paid for.

How to avail DMT Facility?

Visit any Domestic money transfer agency (Retailer, shopkeeper, tea stall etc. who are money transfer distributor) hand over your cash and the bank details of person, you wish to transfer your money to. The agent will immediately transfer the money to recipient’s account, and earn a handsome commission in the process.

Remittance of money

Most remittance of money is made by workers in foreign countries to their families living in home-country. Remittance have comparatively a large role in the developing nation as compared to developed nation. Worker’s remittance of money is a significant part of international capital flow, especially with regard to labour exporting countries. India is one of the labour exporting countries that ranks on top as receiver of remittances, claiming more than 12% of the world’s remittance.

Working of Remittance.

Let’s assume that one wants to send money from Canada to India. Here the person needs to pre-fund his bank account with significant money that he needs to send.

Once money reaches India. The person needs to contact to contact their local branch or the treasury department to obtain the Euro to India currency as per the conversion rate.

Money Transfer

Remittance of money

Differences

Transfer of money to any account (Domestic or International).

Transfer of money from abroad to home-country.

DMT is one of the most popular mode of transferring.

Wire transfer is a popular mode of transferring.

DMT is a cash to bank transfer.

Wire transfer is a bank to bank transfer.

DMT is generally used by the migrant labours or labours who do not have access to bank account or are not comfortable using banking facilities.

This is generally done by labour working in abroad to send money to family in their home-country.

Health organisations respond to Ebola outbreak in Democratic Republic of the Congo

Sunday, September 16, 2007

The World Health Organization (WHO), non-governmental aid organisation Médecins Sans Frontières (MSF), and the U.S. Centers for Disease Control and Prevention (CDC) have sent experts to the Democratic Republic of the Congo (DRC) to assist local health authorities with a recent outbreak of Ebola haemorrhagic fever in Kasai Occidental province of DRC. The illness had been unidentified until laboratory test results confirmed the presence of the virus.

DRC President Joseph Kabila described the situation as being contained. “The village of Kampungu has been quarantined to prevent population movement towards Kananga,” Kabila said on Thursday. Kananga is the provincial capital. “The situation is at the moment, I cannot say under control, but at least the problem has been contained very well in the area,” he continued. “There is no risk that the whole country will be affected.”

WHO is working closely with officials from the DRC Ministry of Health and MSF to improve local facilities in order to better contain the virus. A mobile field laboratory is to be established in order to provide rapid sample analysis and, subsequently, diagnosis of patients. There are concurrent outbreaks of other diseases, such as dysentery (Shigellosis), that have been complicating diagnoses and need to be identified as well.

Ebola haemorrhagic fever generates mortality rates in the range of 50 to 90 percent, typically. There is currently no vaccine or effective treatment for Ebola. WHO describes the symptoms of Ebola as being “characterized by the sudden onset of fever, intense weakness, muscle pain, headache and sore throat. This is often followed by vomiting, diarrhoea, rash, impaired kidney and liver function, and in some cases, both internal and external bleeding. Laboratory findings show low counts of white blood cells and platelets as well as elevated liver enzymes.”

MSF, who now have 14 experts in DRC, arranged for eighteen tons of supplies, such as medical and sanitation material, to be delivered to the province of West Kasai. MSF indicated that the transportation of supplies from the airport to the affected areas has been a challenge, due to poor road conditions. It has taken up to three days to travel the 250 km to the outbreak area from the provincial capital city, Kananga.

MSF experts will provide advice on sanitary burial procedures, which would include the use of body bags and spraying. Both the WHO and MSF will disseminate information to the local population regarding the transmission of the virus and measures that could be taken to reduce the spread of the disease.

The MSF emergency team coordinator in Kampungu, Rosa Crestani, described the isolation ward set up at Kampungu’s health centre. “Our isolation centre is basically divided in three parts. One is completely isolated, where the sick patients are; another is where the staff dresses with the complete protection uniform and then undresses after having been in contact with the patients; and the third part is a space for disinfection in between,” said Crestani. “In the coming days, we will decide with the Ministry of Health and the WHO whether we set up isolation structures in other locations of the health zone.”

Neighbouring countries, such as Rwanda and Zambia have issued alerts to their citizens, warning of travel to and from DRC. Zambian Health Minister Brian Chituwo stated that all people coming into Zambia from DRC will be watched for symptoms of Ebola for up to eight hours. Chituwo noted, however that it would be unlikely for an infected person to travel into the country, as the time between onset and death is very rapid and that the symptoms are severe.

There has been a minimum of 395 people affected by haemorrhagic fever, including 160 deaths, in DRC in the past few months. Since arriving in Kampungu in early September, MSF have seen 25 patients admitted with suspected Ebola haemorrhagic fever, of which eight have died.

Retrieved from “https://en.wikinews.org/w/index.php?title=Health_organisations_respond_to_Ebola_outbreak_in_Democratic_Republic_of_the_Congo&oldid=4544024”

Israeli rocket targets Press TV building in Gaza

Friday, January 9, 2009

An Israeli rocket has struck the Press TV building in the Gaza Strip. According to the news agency, other television news stations called Al-Alam and Al Arabiya are also based inside the building. At least two people have been injured. The attack occurred at about 15:40 GMT.

There was no warning prior to the attack and only journalists were inside the building when the rocket hit. Press TV states that some of their broadcasting equipment on the building’s roof was damaged in the blast. According to live video being broadcast by Press TV, journalists on the roof are marked with ‘TV’ or ‘press’ on their coats and helmets. Press TV uses the roof of their building to broadcast most of their live video feeds of Gaza.

The agency claims that they were given assurance by the Israeli military that the building would not be targeted. The agency also states that coordinates of the building were given to the Israeli military everyday so they would not attack the building or mistake news crews for Hamas militants.

Despite the claim by witnesses and Press TV employees, a spokesperson for the IDF states that the building was not a target and was likely a result of “collateral damage.” There are no reports of other buildings having been hit in the area around the Press TV building.

Press TV states that regardless of the attack, they are still “prepared to show the horrific attacks by the IDF (Israeli Defense Force) with graphic images of children being killed”.

Press TV, an Iranian based news agency, is one of few international news agencies broadcasting live video feeds of Gaza and currently has more journalists in Gaza than any other world news agency.

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