By Riley Santoso

Condo owners have the same problems home owners have in this tough market but with one added disadvantage. Theyre selling a condo.

Buying a condo is buying into lifestyle. A lifestyle that is very different from owning a house. The upside of owning a condo is little to no maintenance, they are usually in trendy neighborhoods, and many have amenities like swimming pools and workout rooms. The downside is you have no yard, you have a common wall(s) with your neighbor(s), and little freedom when it comes to major remodeling.

Some buy condos not because of the lifestyle they offer but because of their value. You can get more space for your dollar. However, those that were looking at condos a few years ago can now afford to buy a house.

Knowing what attracts buyers to condos is one of the keys to successfully unloading your property. The other major factors youll need to know are price, quality, and hiring the right real estate agent.

Its All About Price

Youre not going to get the same price in todays market that you would have received from your condo a few years ago. In order to sell your condo you cant price it competitively you have to price it to beat your competition.

Additionally, its harder for first time home buyers to get a loan to buy a condo. If they cant get one, then the 20 percent down usually turns them away.

Its all about price, says Mary Ann Grabel of Greenwich Fine Properties in Greenwich, Connecticut. People who really want or need to sell are willing to take less than what they paid two or three years ago.

If youre dead set on getting top price for your condo then be prepared not to sell. Its that simple.

The Wow Factor

If it doesnt shine, nobodys going to buy it, warns Cyndi Johnston, a broker with RE/MAX Equity Group in Portland, Oregon.

Not only do condo buyers want the lowest price possible, but they also want the best quality possible. If that makes them sound picky its only because they are picky. Condo buyers have that luxury.

Obviously, youll want to stage your condo as best as possible. That means youll be removing about half of your belongings, taking down pictures and other personal mementos, and getting rid of all pets (moving them to a friends house). Basically, youll want the condo to look as generic as possibleinviting to prospective buyers.

Besides the staging, youll also want to remodel any weak spots. We dont mean redo the kitchen, but if the counters are in bad shape or the carpet needs replacing now is the time to do it. A fresh coat of paint is not enough in a tough market.

Part of the reason is that you have all these decorating programs on TV, says Tom Apligian, a realtor for Re/Max in Plano, Texas. People want to walk in and say wow! The wow factor is very important today.

In What Circles?

Youll want a knowledgeable, responsible, and capable real estate agent. Youll also want one that knows how to market a property.

To help you pick an agent, interview at least five. Compare and contrast their fees, their resumes, and their marketing and promotion ideas. Try to find the right agent for youone that will go the extra mile, knows the local market, and is well-connected.

you should ask your selling agent, In what circles will you be promoting my home? Many times, the sale comes down to who you know, advises Johnston.

Once you find the right agent, make sure you work with them on marketing your condo. In these tough times it pays to be creative. Nothing, no matter how crazy it may sound, is off limits.

Like Pulling Teeth

A lot of condos are built in great locations with excellent views. If your condo has an excellent view take a picture, preferably at a favorable time of day (sunrise or sunset).

While your camera is out, take lots of pictures of your condo. Make sure your pictures include outside areas (like decks and patios), how light filters in, and storage areas.

Tell everyone you know that youre selling your condo. Word of mouth is a great marketing tool. Even if your friends and co-workers arent interested they might know someone who is.

In order to buy a condo many lenders are going to need information about the Home Owners Association. The sooner you start this process the better.

Getting the HOA to fill this stuff out is like pulling teeth, laments Ernest Cooper from RE/MAX Equity Group in Portland, Oregon.

Compiling all the necessary information beforehand will help speed up the sale when you finally find a buyer.

Whats Wrong With That Property?

As hard it might sound, take your condo off the market after 90 days. That doesnt mean youre done trying to sell it and you have to live there forever. It just means your condo needs to take a break. After awhile you can put it back up for sale.

If a house sits on the market, people start to wonder, whats wrong with that property. How come its not selling? explains Elizabeth Weintraub an agent for Lyons Real Estate in Sacramento.

About the Author: Carl Johnston write for

Homeguide411.com

, a comprehensive directory of home professionals and an in-depth resource for home owners and home buyers. Visit the

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Submitted by: Arawind Sharma

Whether you have a retail electronics shop in Aurangabad or if you own a small-scale business, you’ll always be need of some immediate funds. These would be for something as simple as buying a new printer for your shop or maybe even to payout bonuses to your employees. Whatever the type of your business, you frequently need money for many purposes. Many financial institutions are now opening the doors to easy finance for the self-employed. A personal loan is a blessing in disguise for such immediate requirements. But, how do you get a personal loan easily in Aurangabad?

Loans for the Self-Employed:

Even if you just own a small stationery shop, there are now many options available to you. You can even get upto Rs. 20,00,000 without providing a security, provided you have a good credit rating, your business is doing well, your finances are in order and you have a good income.

Search for Personal Loans Online:

Go online and access financial websites. Search for personal loans for self-employed. You will be asked to fill out certain details like your age, occupation, and annual income. Get a list of matching offers and pick the one you like best. Apply for personal loan online in Aurangabad.

Basic Requirements:

To apply for a personal loan in Aurangabad:

a.)You have to be an Indian citizen of at least 21 years of age. Some banks have a higher age requirement, be sure to check.

.)You also need to prove that you have been in the same business for at least the past 3 years.

c.)You should have a dedicated phone connection for the office, either landline or mobile.

Documents Checklist:

You have to provide the basic Know Your Customer (KYC) Documents first. If you are applying for a personal loan at the bank where you have your personal or business account, they probably have these documents with them.

The KYC documents are the documents needed to provide proof of identity, age, and address. These can include your PAN card, Voter ID, Ration Card, Bank Passbook, Drivers License, and Utility Bills. For the self-employed, proof of office address and business existence are also required.

You can submit your rental/lease agreement if you rent the premises, or you can submit proof of ownership of the office premises. You also have to submit your business registration certificate, tax certificates, and your license under the Shops & Establishments Act.

For Income Proof:

To provide income proof to the lender, you need to submit your past six months bank statement for your business and personal accounts. You also have to submit audited balance sheets and profit and loss statements for the past three years, in addition to your IT returns.

If you have other sources of income like rental income, income from investments etc, you can provide proofs for these too, to increase the chances of loan approval. The minimum income or minimum salary required to get a personal loan is not constant, it varies according to the lender.

Loan Approval:

The loan approval process includes verifying all your documents and also a check of your credit records. Banks and NBFCs can get your credit history and report from credit rating agencies. These help the lenders assess whether you are a trustworthy borrower and will repay your loan on time.

If you have a good income, a steady and established business, and a good credit record, instant personal loan in Aurangabad is possible. Your loan amount could be sanctioned within a few days.

About the Author: Arwind Sharma is a financial advisor with an experience of more than 7 years. He has worked for topmost financial firms in India and has been a visiting faculty at many reputed institutes in India. Currently based in Pune, Arwind Sharma is a name to reckon with when it comes to financial management for big brands. A post-graduate in business economics, he is an alumni of Princeton University, USA. During his free time, Arwind teaches children from marginalised sections of society and also work on his blog.

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Solid Advice All College Students Need To Know

by

Barone Hudson

Even the very idea of taking college courses is enough to send some people into a tailspin. If you\’re feeling unsure about the next steps, you\’ll find a bevy of solutions and ideas in this article. Read on for inspiration that will help you to set, meet and surpass your goals!

When you are getting ready to go to college you should make a list of things that you need to take with you. Being prepared will make your experience much easier. This is especially true when attending a college that is far away.

Carry a water bottle with you to school. It is vital that you drink enough water. This is very important if you\’re going to a lot of classes in a row and aren\’t able to get a meal in. Constantly drinking water is a great way to help you remain focused throughout the day. The sheer number of water fountains these days allow more ease in refilling water bottles.

Prior to the day that classes begin, become familiar with your schedule as well as the location of your classes. Check how long it requires to get to each class, and arrange the route accordingly. Also locate other important places that you will be using a lot and mark them on your map.

Your environment may make a difference in whether or not your studying is successful. As far as locations go, a dorm room probably won\’t be your best bet. It is much better to find a study area that is completely quiet and free of all interruptions. A library will always be your best bet. Get some noise-cancelling headphones if you need to.

Eat breakfast when you have a test. Something small like fruit or yogurt can suffice. Many times, an empty stomach can be distracting to you and those around you. Low energy and a growling tummy can really affect your test performance, so make sure to eat well for focus and energy.

If you are attending a college in another state, or if you are going to live in the dorms, think twice before bring your car. In busy college towns, it can be hard to find a place to park. This can also bring in heavy costs related to insurance, gas and other vehicle related expenses. This can be difficult if working is not an option.

Always be aware of the phone number or extension needed to quickly contact campus security. There should be a really easy way to get in touch with campus security and campus police, so make sure you know how to reach them. You might never need to call campus security, but you will be glad you memorized the number if you ever need help.

Always pay the balance of your credit card. If you carry a balance, the interest and late fees add up quickly. Only use credit cards in case of emergencies. Credit cards can be tempting because they are so easy to use, but remember how hard they are to pay off. Debt can cause you to lose focus.

Program the number for campus security into your phone. You can call campus security if you need a ride home, if someone is bothering you or if you are hurt. With any luck, you will never use the number, but it\’s always best to prepare for the worst.

Are you more comfortable about school now? You are not the only one. In any given year, there are a wide variety of students either returning to school or just beginning their experience. Don\’t fear! A little dedication and hard work will result in your educational success.

read this is frequently baffling for individuals, but whenever you preserve these kinds of steps and inspiring ideas in your mind, it shouldn\’t be too rigorous for you to figure it out. When you would like wonderful outcomes, you need to focus on only one idea at a time rather than aim to do many things all in a single go. Not only is the information you gather necessary, how you put it to work for yourself is just as crucial.

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