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Cairns Lockie Mortgage Commentary 8 Oct 2010

Cairns Lockie Mortgage Commentary 8 Oct 2010
Welcome to the eighteenth fortnightly Cairns Lockie Mortgage Commentary for 2010. We aim to keep you informed on developments at Cairns Lockie Home Loans and the mortgage market in general. Previous issues of this commentary can be found on our website …
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Prince William County volunteer opportunities
The American Red Cross needs a receptionist at its Manassas office, an assistant at its Quantico office and someone to help coordinate its Youth Corps program. Disaster services volunteers and health and safety instructors are also needed. Call Brian Shaw at 703-368-4511, Ext. 418, or e-mail…
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Center Marking 25th Birthday Older adults find welcome activities, companionship at Shepherd’s Center
Sam Matthews often hears senior citizens tell him they can’t attend a Shepherd’s Center program because they’re too busy traveling.
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Versus
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Which do you prefer?

Marina City on the left, or 330 North Wabash (formerly known as IBM Plaza/ Building) on the right.

COFSTA Residential March 1999
residential discussions

Image by Adelaide Archivist
Rick Barry (L) and Terry Cook in archival discussion.
In March 1999 archivists from around Australia and New Zealand came together for the COFSTA Residential School in Bungendore, NSW. The subject was appraisal.

COFSTA Residential March 1999
residential discussions

Image by Adelaide Archivist
Rick Barry (L) and Terry Cook in archival discussion.
In March 1999 archivists from around Australia and New Zealand came together for the COFSTA Residential School in Bungendore, NSW. The subject was appraisal.

Excerpt From 21st Century Advertising for New Home Builders

Excerpt From 21st Century Advertising for New Home Builders

Everyone has heard the old saying “love makes the world go round.” Most have heard the typical rebuttal “money makes the world go round.” But in reality, neither of these actually explains the movement of the universe.

The phenomenon that actually fuels the world in its revolutionary progress is purchasing. Money doesn’t have much of an effect on anything until it is used; until a purchase is made.

Some might say that the way in which money is used is determined by the individual in whose hand the bills reside; that the use of money depends upon personal and/or family needs and individual circumstances. To these people I would like to offer my congratulations on their idealistic vision of the world around them.

The world might be a better place if I could agree, but I would argue that the majority of today’s financial decisions are influenced so heavily by outside forces that they can’t really be said to be the direct result of personal needs or circumstances.

For instance, once upon a time if a man needed an egg, he wandered in the forest until he found an unguarded nest and he took the egg he needed (or all the eggs if he was greedy.)

A little time passed and a similar need would arise with a similar man and the man would fulfill the need by wandering out to his henhouse, lifting up a hen and taking the egg he needed.

More time passed and a similar man with a similar need might walk to the town market to purchase or barter for the egg he required.

Still more time passes; another similar man with the same need visits his local grocer on his way home from work to procure the needed egg.

Even more time flies away and we find ourselves in the world of today. But this man faces many questions before he will be able to obtain the object of his desire.

The first question is where will he purchase the egg? Is he going to go to a convenient store? It’s quicker; it’s more expensive; it may be very close.

6Is he going to visit a grocery store? And if so, which one? Will he go to the closest store to his home? Will he visit the one nearest to his work on the way home for the day? Will he visit the grocery store that has the best sales? Will he visit the grocery store that is known to have the highest quality products? Will he visit the grocery store that is known for its specialty items? Will he go to a health food store? Will he go to the store he is most familiar with for that reason alone?

Once he arrives at the chosen location he will be faced with still more questions. How many eggs will he be purchasing? Will he go with a flat dozen? Does he need a dozen and a half? Will he look to see if they can be had by the half dozen? Or maybe he should buy in bulk.

Next he will need to know if small, medium, or large eggs suit his needs the best. Brand names and prices will vary and offer more options.

Some men would even go so far as to include the chickens from which the egg originated into their purchasing equation. Did the eggs come from cage-free chickens?

So what caused the drastic changes? What made it necessary to question such a simple, straightforward need and the mode of fulfilling it? The most obvious answer (and the correct one in my opinion or I wouldn’t be offering it to you) is the availability of choices.

8When there is only one option that is the option that is used. And likewise, if an individual is aware of only one option, that is the option that is used. And similarly, if an individual is convinced that one option is better than another that is the option that is used.

You may wonder why we are discussing eggs. Eggs are a solid example of a need that has been in existence for so long that no one questions the fact that they will be bought and sold.

As long as people are around they will need (and want) to eat. Other such needs are obvious. After eating the most obvious need is shelter.

While natural shelters were all the rage “once upon a time” they are really only fully appreciated in our modern times during times of desperation, extreme survival, and dire emergencies. Other than that, most people look for a bit more in their mode of “shelter” nowadays than the nearest cave with convenient cover from the rain.

The same evolution of available options we discussed with the egg is evident when it comes to “shelter.” Today’s purchasers find themselves with a plethora of options when it comes to which home to purchase; especially once they’ve made the decision to build a new home.

It used to be that if someone decided to build a home they contacted their local contractor and that was it. He took it from there.

10He had built other homes in the area and they were in use and apparently he was able to fulfill their need. Build it and they will come and all that. But we are all very aware of the myriad changes that have been wrought in this particular industry, and so are most of the buyers out there.

You might still run across the rare individual who is going to go to the nearest builder because they are in the area they are familiar with regardless of their standing with other local builders and national competitors. This is the same individual who will go to the grocery store they always visit because they feel comfortable walking in the doors, they know where to find the eggs and they know which cashier is the quickest.

But this individual is not as common as many think. Most purchasers know the value of their money and want to stretch it as far as it will go.

They research and they take unofficial surveys of friends and family to try to ascertain which product will best fulfill their needs. And all the time, smart builders are doing their best to put themselves in front of prospective buyers as the solution to their every individual requirement.

We call it sales and marketing. Advertising is all well and good. Sales are an accepted necessity, but the combination of both of these, along with appropriate research and statistical analysis to increase company profits, is the key to success in today’s new home building market.

Preston John is an entrepreneur with successful ventures in both Real Estate and the Sales & Marketing Industry. His first book is due out in 2008 and is a culmination of his experience guiding new home builders towards higher overall sales, better brand imaging, and achieving the highest results with the fewest marketing dollars. He lives for his work and his family (and oddly enough…his hunting dogs, but you don’t need to know that). The book serves as a basis upon which his clients’ can build better, more effective sales and marketing strategies. The number of requests for the program in writing have led to this long awaited contribution to the industry. We’ll keep you updated with sneak peeks at the manuscript and updated release dates at LJW Publishing online: www.larryjohnwrightpublishing.com!


Article from articlesbase.com

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Things not to do in bathroom remodeling

Things not to do in bathroom remodeling

Bathroom renovation or remodeling means to change appearance of your bathroom to look modern and stylish. You have to change a lot in your bathroom if you want to remodel it. The tiles in your bathroom must be modern and god looking. It is a time consuming process of the renovation process of bathroom. You have to do a lot of work for that. But there are some points that are said to be mistakes in bathroom renovation. Those mistakes should not be happened. If you are remodeling your bathroom for the first time than you must keep in mind these points. You need to know about such mistakes and try not to do in your bathroom renovation plan. This article contains the information about such mistakes that should not be done in bathroom remodeling. This information would help you throughout the process of the renovation of your home.

The first thing that should be avoided in bathroom remodeling is the bad planning.
Your plan of bathroom renovation should be appropriate to your budget and for your bathroom location. Bathroom renovation is not just to be replacing the old sinks or vanities with the new one; it is worth more than that. Prepare the design and layout of your renovated bathroom on a paper or a computer terminal. Making the layout of your dream bathroom on the computer would be easy for you. If you are not able to do this then find a contractor that will plan the bathroom of your dreams. Once you have created a plan, it is now easy for you and for your contractor to renovate your bathroom. It will also be easy for your contractor how to make your home good looking.

You should increase your Shopping Skills for the renovation process of your bathroom. The choice of the vanity and sinks is yours. You can choose the best material from the shops around you. If you have grab a contractor, than discuss about this topic with him. Tell your choice to your contractor and he may suggest you for your choice. Don’t buy the things as you first see them. Look for more materials and choose from a variety of materials. There is a lot of bathroom material waiting for you in the market and you have a large range of bathroom materials to choose.

Don’t try yourself ! Bathroom remodeling needs professionals for that. If you do not have experience, then please do not do it yourself. Grab a contractor for you and he will do everything for you in a beautiful manner. A contractor would understand your feelings deeply and he will try his experience on your project of remodeling. If you don’t know how to install a sink on your bathroom then let the contractor do it for you. Of course he will get money from you but he will do better than you!

Apply the above suggestion in your project of bathroom renovation to get a better result in your bathroom.

After reading this article, if you want to know about the Tiles
Installation
and Kitchen
Remodeling
and see lots of designs available, you can visit our wbe site. Please visit our website for more
information.


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big flyovers, little people

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Q&A: Hot Water Heater?

Question by jnet: Hot Water Heater?
I am building a 2 story home. The builders want to place the hot water heater up in the attic. I have had discussions with other builders and homeowners and they advise me to place the hot water heater in the garage.
Where should a hot water heater be placed?

Jnet

Best answer:

Answer by stoney10162003
I would place it in the garage. Just for the simple fact that when it needs work or to be replaced, it will be a heck of a lot easier in the garage!!

Give your answer to this question below!

Q&A: Long question, I just purchased a new home, legal help?

Question by Hard Crowbar: Long question, I just purchased a new home, legal help?
I closed on my house at the end of July. Stated in my contract i have 2 ‘punch lists’ one before closing, and another completed after closing for any defect that i have found after moving in.

On my initial punch list, i informed the builder of everything that i believed to be a defect.

1. Many of the defects were with the pain in the house (they did not cut in the corners in correctly, and painted all over the window frames) which overall looks good, but in the details is flawed. While going through the house, she always said, that “oh, yeah, i will fix that….”
2. Over spray on many of the exterior trim pieces.
3. Holes in 4 pieces of siding (when asked to repair she insists that there is nothing wrong with them, but she will agree to provide me with the siding for me to repair it myself, but there is still nothing wrong with it. She will not sign a piece of paper stating that if i do the work myself that the warranty will not be voided) Another piece of siding is drooping approximately 3/4″ to 1″, a noticeable amount
4. As specified (and agreed to) in the contract that we entered into, the countertops in the kitchen were to be repaired to my satisfaction. The formica has a lip from where it was not routered correctly (this is all around the top, and i have caught cloting numerous times on the band) This has not been corrected to my satisfaction.
5. There is a depression in the back yard where water had been gathering, there is now a ditch that she dug to drain the water. I requested that it be leveled out, she declined.
6. Floor of garage slopes into (instead of out of) garage…. not too big a deal because it doesn’t seem to leak, and would be major renovation to fix
7. sewer clean out sticks up about 6″ above grade.
8. nail (or something) under shingles on gable of roof
9. no insulation on copper from air condition condensor
10. air conditioner condenser is on a slab, ontop of bricks (not sure, but i would think that it needs to be on dirt)
11. about a 2″ strip in master bathroom did not have texturing on it, after waiting about a week for her to fix it, i purchased spackling and a putty knife and fixed it myself (she reimbursed me the $ 10.00 for the supplies)
12. nearly all of the caulking around the exterior needs to be replaced.

After numerous ‘discussions’ with the builder i finally offered to repair any cosmetic flaws inside of the house if she would provide me with paint brushes, which she did.

My questions are as follows.
1. Do i have a legal right to expect that nothing be wrong with a new house, cosmetic, structural, etc. (i am the first person to live in it)
2. Is there any way that i can make her fix the problems i have listed above, or atleast reimburse me for my time to fix the problems? I do not own anything to level the grade of the lot except for a shovel, and that is back-breaking work to level an area with a shovel (probably 20′ square area from low spot to high spot)

I don’t have a problem doing the work myself, but with the 1 yr home warranty i do not want to void it by doing something that should have been completed by the builder, then have her come back later to say that i did it, and i did it wrong. (ie the siding)

Things that i want fixed or nothing held against me if i fix them is the siding, the shingles, the caulking, the depression in the back yard, the kitchen counter, and the sewer cleanout. (the interior paint i have already come to an agreement with her, so it is not an issue)

I plan on giving her a list of all defects as outlined as a right in the contract.

Best answer:

Answer by ?
First, you shouldn’t have signed at closing until all clauses/complaints were attended to under contract. If in fact your seller has a contractual obligation to fix all the items on your current/after move-in list then all you have to do is demand the repairs under threat of suit for breach of contract.

Know better? Leave your own answer in the comments!

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Gestenreiche Diskussion auf der Baustelle
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Kitchen Remodelling 02HP22

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Kitchen Remodelling 02HP22
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Discussion

Q&A: Where are the good home owner’s discussion forums on the web?

Question by GW: Where are the good home owner’s discussion forums on the web?
Home issues and repair forums. I need a place where I can ask questions of other home owners.

Best answer:

Answer by Kelly T
Why not start here ? You’re in luck, I own a home. And I think I know everything. Atleast that’s what my husband always says.

Give your answer to this question below!