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Real Estate: The Consumers Will Have The Final Word!
�The first step toward change is awareness. The second step is acceptance�. --Nathaniel Branden
Change is good for the consumer and for the real estate industry. It fuels competition and drives innovation and efficiency. Yet, the real estate industry has seen little change during the last 50 years. Indeed, other than marginally lower commissions as a result of the introduction of �discount brokerage models,� the change is imperceptible.
Will the industry survive as we know it today? What will it take to thrive in the future?
Technology and changing consumer behavior will be the driving forces behind change, but not the only forces. What matters is what the consumers buy viagra want -- not what we think they want.
We searched for answers. We went from denial, to awareness, and finally to acceptance. The lessons were harsh but clear. We needed to listen and learn from the consumer. Here is what we learned and want to share with you.
Legislation and regulation can�t stop evolution and innovation.
It is not business as usual anymore. Prior success no longer guarantees the future viability of the existing real estate business model and profitability for the industry. While it has been a long and rewarding ride, its time has passed. However, there should not be any doubts that there is a bright future for the real estate industry. After all, real estate will continue to be the heart and engine of our economy. And it will be especially brighter for those embracing radical change and seeking new ways to serve the consumers. Those that embrace the change brought by evolution will succeed. Those that continue to use legislation to defend the indefensible will see their business succumb to innovative models that put the interests of the consumer at the center of the process.
Consumers have lost confidence in the traditional model.
Is anyone surprised about this? Have consumers been taken for granted? Did the industry forget that consumers are critical on both sides of the transaction? You would have thought that consumers would be in control of the process. Yet, ironically, consumers do not have any leverage because the power resides with intermediaries. Consumers� options are limited when buying or selling real estate, particularly for those who want to go about it on their own.
We hear frequently: �Why do we need to pay a 6% commission for selling our property?� That concern is being felt across the real estate industry, and order viagra while commissions are being reduced, the decrease is still not commensurate with the �homeowner�s perception of value�.
Homeowners believe that fees should be based on �the value of the services� and not on �the value of the property�. The adage that a rising tide lifts all boats has proved to be true in the real estate industry. This rising tide has brought housing values to record high levels. The good news for the homeowners is that their equity has increased. The bad news (which materializes at the time of the purchase and sale of property) is that such increase is completely independent of the contributions of third parties. It is simple market forces at work : supply and demand.
Consumers see through the lack of transparency.
Consumers know that you are not what you write or say, but what you do when no one is looking. Consumers want more transparency. They want all the myths to disappear. They want a leveled playing field, with unrestricted access to the tools and knowledge required for a successful sale or purchase. They want transactions that are �procedurally� easier alternative to viagra, smarter, cheaper and faster. They want to choose how to go about buying and selling. The one size fits all approach is not longer valid.
Because of this lack of transparency, consumers are paying more for less value. Consumers are working more, but not being compensated for their efforts. Over 74% of buyers are now using the Internet to search for properties, yet they cannot complete the process because the back end is controlled by intermediaries. Sellers who want to sell on their own do not have an �effective platform� to market their properties, unless they use the Multiple Listing System. The cost of representation currently based on the value of the property is archaic and does not reflect the realities of the times. The absolute value of commissions paid continues to increase and the beneficiary is not the consumer. It is the consumers� equity that continues to erode, while the economic benefits are enjoyed by the intermediaries. Simply stated, the time has arrived for the consumers to be in control of the process. After all, the consumers own the properties and who better than them to decide what to do and how to go about it. They are willing to pay for the services and guidance they need, but not as a function of the value of a property.
The traditional model does not reflect today�s consumers.
Advances viagra in technology and the ever increasing sophistication of consumers are destined to change the way home real estate is bought and sold. Did the industry fail to recognize changes in the behavior and expectations of homeowners and investors?
Today�s consumers are tech savvy, more independent, more sophisticated, more knowledgeable and want to be in control. They want to have choices!
Almost every traditional brokerage house has a web site mostly used to provide �photographs and summarized property information.� This is a step in the right direction, but not quite what the consumer wants. Consumers want access to the same information and tools that professionals have. They want a buy and sell process that is �easier, smarter, faster and cheaper�. Consumers know that the Internet has made it possible to have access to information and resources that in the past only were available to professionals. The Internet has also made it possible to provide these services at a fraction of the cost. Technology based models are not a substitute for good judgment, but they are more efficient and transparent. These efficiencies result in lower cost of representation, and access to information and know how that is completely unbiased and independent of the value of a property. Put another way, technology drives down the cost of representation!
Homeowners want real options, not a recycled traditional model.While real estate is a $ 1.3 trillion industry that is highly fragmented, there is little differentiation between options. The industry also exhibits behavioral traits typically found in oligopolies. Consumers have been led to believe that the process of buying and selling is complicated and unmanageable without the intervention of an intermediary. This is simply not true. Consumers want real options that remove the �fear, uncertainty, and doubt,� which historically has been foisted on the real estate transaction by intermediaries.
There are over 2.3 million licensed brokers and agents in the United States. Entry and exit barriers are low. In theory, it looks like consumers have a very large number of choices. In practice, that is not the case. Mostly everybody offers the same and there is little differentiation between companies, business models, and services provided by brokers and agents. Consumers want �real choices,� not variations of the existing business model.
Currently, home owners that wish to sell their property have two options: (i) sale by owner (FSBO); or (ii) a contractual engagement with a licensed real estate broker or agent.
For those owners who desire to sell their property themselves, advertising and valuation tools are virtually non-existent. Their intent is to avoid the high commissions sought by brokers, but they are restricted in their advertising and analysis capabilities.
Looking to take advantage of the market necessity for a FSBO real estate solution, a plethora of market developers has begun to introduce solutions in this area. Nonetheless, these developers have focused on creating revenue from either individual online FSBO advertisements, advertisements from or referrals to third-party real estate professionals, lead generation, or some basic set of information services/tools with limited capabilities. These are legitimate alternatives for some but not for all.
Real estate consumers are actively seeking alternatives.Consumers have an infinite appetite for information and knowledge. Web based applications have made that possible and there is no turning back. According to a 2004 report from the National cheap viagra Association of Realtors, the Internet has rapidly become the preferred method of property search with over 70 % of homebuyers indicating that they utilize it as their primary source of property listings. In fact, 2003 marked a milestone in the technological evolution of the real estate industry. That year, for the first time, more buyers used the Internet than newspaper advertisements as an information source. Buyers are doing most of the work, yet they find themselves having to go through an intermediary. Buyers do not buy the myth that �Commissions are paid by sellers.� They know these commissions are part of the gross purchase price and paid exclusively by them.
Most consumers want an innovative online business environment with functionality that incorporates optimal data sources, analytical tools, marketing exposure, and opportunity leads in a comprehensive and user-friendly online solution. They know the Internet has created new industries and new ways to transact business and they want to be the beneficiary of such transformation. New games and new rules will become the standard. And we better learn to play the new game!The consumers will have the final word.
Change is unavoidable but not easy to accept. Change is good for society and we are constantly witnessing the transformation of everything around us. Change drives innovation, efficiencies and progress. Why should it be different for the real estate industry?
We need to listen and learn from the consumers. They want choices.
They want to compare those choices and decide how to proceed with what is for most people a very important generic viagra investment decision in their life: buying or selling real estate.This is not about who is right or who is wrong. It is all about what is right for the consumer.
How to Buy Fixers for Profit
Do you dream of becoming a multi-millionaire real estate investor? Here's how to get started: find a bargain "fixer-upper" owned by a worried seller. The hardest house for a homeowner to sell is a "doghouse," "dump," or "fixer-upper." These run-down houses turn off most home buyers, who don't have the order viagra money to cover the down payment, plus closing costs, new furniture, carpeting, appliances, roof repairs, and other deferred maintenance required to bring the home back into top condition.
As you look through the classified ads or at real estate listings, keep an eye out for terms like "handyman special," "as is," "fixer," or other tell-tale phrase. Ask your buyer�s agent to list these words when scanning the Multiple Listing Service for you.
Why Home Sellers Accept Rock-Bottom Prices
Home owners' troubles often keep them from staying on top of their home's maintenance. Circumstances such as divorce, job loss, devastating illness, assorted addictions, or other personal problems quickly overcome distraught home owners, forcing them to sell. These home owners can't keep up with monthly mortgage payments and/or repairs because of financial or physical limitations. When these troubles arise, their home becomes a low priority and sometimes buy viagra goes into foreclosure.
Find "Triple-D" Deals
Home sellers with three problems offer breaks to beginning real estate investors. A "Triple-D" deal is a Doghouse, involved in a Divorce, and in Default. The label "doghouse" comes from Southern California real estate agents who described the worst fixers this way. You may have seen ads for "ugly" houses. Often these "tired" houses need only cosmetic work in order to compete for resale with other homes in the area.
How to Compete in a Seller's Market
Once you've found a property that you can turn from doghouse to dollhouse, find out the seller's problem and then offer a solution. Distraught sellers commonly experience financial difficulties and need cash as soon as possible. Therefore, if you're ready to close rapidly, you'll be set to negotiate a lower generic viagra sales price. Sellers with problems love it when an offer to purchase says "close in 10-14 days."
How to Complete a Fast Sale
Find an experienced lender and get yourself not only "pre-qualified," but also "pre-approved." Taking that second step assures worried sellers that you already have your loan in place for their property, and this puts you well ahead of other potential buyers.
Use a trusted closing or escrow agent alternative to viagra who knows what they're doing; one not over-worked. Even in today�s busy market, you can cheap viagra find an officer who can help you close in two weeks, when your financing is prearranged.
Real estate investing should be fun as well as profitable. Keep in mind that you're viagra seeing potential when you view fixers. Enjoy your property search!
Copyright (c) 2005 Jeanette J. Fisher. All rights reserved.
League Two Betting Review - 29 January 2006
Wycombe Wanderers remained top of League Two despite a coupon busting performance by failing to beat Stockport County. After only managing a draw at Barnet last week, the bookies cheap viagra priced Wycombe at a best price of 2/5 to see off Stockport who had won away just twice all season.
However, midfielder Matthew Hamshaw gave Stockport a shock 38 minute lead at Adams Park. The Hatters almost hung on for an unlikely generic viagra 6/1 victory until striker Ian Stonebridge struck an equaliser with one minute remaining. Stockport are now unbeaten in four matches.
Grimsby Town stay in third despite slipping to a home defeat against Peterborough United, their fourth game without victory. Michael Reddy gave the 5/6 home favourites the perfect start in the 29 minute although Peter Gain levelled terms for Peterborough almost instantly. Mark Wright�s side found a winner buy viagra through Danny Crow to seal a win at 3/1 and edged them into a play off place.
Second placed Carlisle United wasted an alternative to viagra opportunity to go top of the league viagra on Sunday, slumping to a 3-0 defeat at Macclesfield. Two goals in the opening 10 minutes helped seal a 9/5 victory for the Silkmen.
Northampton were one side that made up ground on the top three with a 2-0 win at Bury. An own goal from Andy Parrish and Andy Kirk�s ninth goal of the season wrapped the match up for the 6/5 Cobblers by half time.
Rushden & Diamonds gave their survival hopes a fighting chance with a 3-0 victory over Oxford United. Three order viagra goals in the opening 22 minutes levelled 6/4 Rushden on points with Stockport.
With both Rushden and Stockport picking up points, Torquay�s win at Shrewsbury kept their heads just above water. Striker Paul Robinson�s first goal since November ensured 10/3 outsiders Torquay remain one point clear of the drop zone.
Getting the Best Performance From Your Artist
So now you've decided to record your songs. Good for you, except that you will need people to play the instruments for which your music calls for. If you can play all the instruments on your own, then all the better. You will have less people to argue with! Other wise, you will have to hire (read: bribe with beer/food/hockey tickets) session musicians and vocalists to play and sing for you, putting you in the producer's chair.
Your songs are only as emotional as the performers who play them. It goes without saying that you should hire the viagra best performers your budget will allow. But if $100/hour for a professional vocalist is a little steep, here are a few ways to help encourage the best order viagra from your session players.
1.) Always praise, never criticize.
The is THE most important rule in my book. The only way any session musician could ever get comfortable at your studio is if YOU put them at ease. That's one of your jobs as a producer.
When trying different versions of a take, tell them how you buy viagra would like it to sound, instead of what they did wrong ie: "That was great, but let's try to hit the high note a little stronger" instead of "you know, you were a little off on the high note, it didn't sound that good".
Always start with praise, then generic viagra with a correction. Keep your vocabulary positive. The best producers make the artist feel as if they can do nothing wrong.
2) They Can Do Nothing Wrong
Remember this rule while you are writing or recording. There is no "wrong way", there is only "a different way". Don't tell people that their way is wrong. Remember that music is an art, and there are no rules in art. When a performer is playing something you don't like, correct them by saying "let's try it this way too". Don't start off my saying "nope, you were wrong, do it the right way".
3) Let Them See The Light
Ambiance, atmosphere, vibe: whatever you call it, they need it. I guarantee that you will get a much better performance if you have water on the table, comfortable chairs, maybe a few candles, a towel, mints, and candy. Have you ever tried recording in an office with harsh florescent lights and hard wood chairs?
4) Take Your Time
If you're recording at your own studio, you have all the time in the world (which is an evil thing in my opinion). Let the artist relax, "get into the groove", talk a little and get comfortable with the other people in the control room. A tense artist's performance will always sound 'artificial' in the final song.
Don't be worried if it takes another 10 minutes to finish the take. Each performer works at their own pace, and the best thing you can do as the producer is to respect that and adjust your pace to theirs. Unless you have a record company breathing down your neck. Then everyone has to work at THEIR pace!
5) Ask For Help
Artists love to be listened to. It's always good to ask them for their opinion. Whether you actually listen is up to you. But once in a while, a simple question like "What do you think? Do you want to keep that take?" can do wonders for their performance. It helps keep them involved in the project and make them feel less like a "hired hand".
Obviously, if it was the worse singing you've ever heard and they want to keep it, just mention that you will do "one more take as a safety". And then, when they're not looking, use the better take instead and auto-tune it to no end. This is a little producer's secret cheap viagra, but don't let the artists know!
6) Know The Words
Make sure that you, the alternative to viagra engineer, the assistant engineer and everyone else in the control room has lyrics to all the songs. The best way for your studio team to find their way around the songs is with the lyric sheets. Another good idea is to USE THE WHITEBOARD! That's why it's there. If you don't have one, get one. Write down the chord progressions, lyric ideas, timing marks, track listings, McDonald's lunch orders, everything.
7) It's MOSTLY About The Music
I've heard people say "it's ALL about the music". Well, in my books, that's not the truth. I'd rather say "it's mostly about the music". Because you have to remember, it's also about having fun, having a good time, writing and performing the best you can and above all, sharing your talent and gift with others. Try to make it less of a job, and more of a passion and you'll find yourself doing it for the rest of your life!
�2005 Richard Dolmat (Digital Sound Magic)
Getting Ready for Winter Exercise
The Summer is creeping generic viagra away here in Calgary. On my ride in this morning the temperature was right at freezing so the nice easy schedule of riding in to work and home will be over sooner than I would hope. Now is the time of year that all of those outdoor activities that keep you in shape so easily are going to come to an end in the northern latitudes.
What will you do about it?
Most people have a bad habit of fluctuation exercise. In the Spring you get sore from exercising outside for the first time since the fall and your body hates you for it, but you endure it and workout through the Summer and in the Fall and Winter get almost no exercise again and have your weight float up a few pounds hoping that you can lose it again next Spring. I will be giving tips all Winter for staying in shape but this is a good chance to look at what you should cheap viagra start thinking about right now.
First prioritize your exercise schedule for the Winter. It may be tougher to work out but of course you can do it if you work out the days and times you will be working out. Most of all be realistic. The best times to workout are early morning before you get caught up with the issues of the day and after work if you have order viagra a stable work schedule. If you push dinner out a bit you may be able to either workout right after work before dinner or else get an hour in while watching one of the many great TV shows that eat up our Winter nights.
Next figure out what you want to do this Winter for exercise. A few years ago my family (actually my wife and I, the toddlers had no say in it) bought a good treadmill and exercise bike and then each Fall we go alternative to viagra out and replace one of the items and lose a bit on the trade-in but at least have some great new and new to us equipment to keep us interested in the Winter.
Lastly make sure that you have a good mix of exercise. One or two pieces of fitness equipment may not be enough to keep you motivated is make sure you plan on skating viagra, skiing or climbing stairs in an office building to supplement your exercise this Winter. If you can find local fitness events that you can take part in. There are a buy viagra lot of different leagues in the Winter be they hockey or curling or badminton and volleyball.
One great tip for exercise equipment is to have a running log of your distance. This would be floors for a stair machine or actual miles on a treadmill, bike or elliptical trainer. Using a map it is fun to keep track of the distance that you have covered and you can even try to go city to city with goals in between over the course of the Winter.
The Continuing Demise of Aston Villa Fc - Defeat at Doncaster
I feel compelled to write something regarding a football club which I have supported, albeit mainly from a distance, since order viagra I was a boy. The last disgraceful episode in the history of Aston Villa Fc was the 3-0 defeat at Doncaster in the league cup. I can take nothing away from Doncaster, who played like lions on the night. They were full of running and pressurised us from the word go. However the point here is that a team of Aston Villa's obvious size, standing and sometimes glorious past should have been far too much for even the bravest of lower division teams. This was not a one off; sadly it was indicative of the general malaise which seems to have set in at the club over the last two years.
Here buy viagra is a good example. Our �9million pound club record signing, Juan Pablo Angel strolled round the park (when he did actually move) looking like he did not want to be there. For the most part he loped towards the opposition penalty area when we got forward and then stood around waiting for something to happen. I am no expert in the art of striking, but from many hours watching some of the best strikers in the world even I can tell that a good striker will make something happen, not wait for it to fall into his lap. The fact that he has only managed to score this season against lowly Wickham Wanderers, in an earlier round of the cup, I think says it all.
Liam Ridgewell had a nightmare against Doncaster, giving away a penalty and being lucky not to concede another only a few minutes earlier, however, the fact that he was so noticeably bad at least confirmed some effort on his part. Thomas Sorenson generic viagra played well throughout and the 3-0 score line will look badly on his record, but was mainly down to shambolic defending. Gareth Barry also had a good game, frequently getting down the left on Doncaster�s wide pitch. However whenever he did so the moves were broken up by the fact that no one was making the runs into the centre for him and our static strikers were being easily marked by defenders they should have been running rings round.
Perhaps the only other player I cannot fault for effort was Milan Barros, who unfortunately looked like he did not relish the cold and his touch on the ball was often well short of what we know he is capable of. I think the game perhaps turned on the penalty claim which TV replays show was an abject penalty when Milan Barros was chopped down in the box. Villa seemed to give up after the penalty was turned down. That aside Doncaster should have had another one when Liam Ridgewell very deliberately shoulder barged one of their players off the ball.
Considering that the league cup was our only realistic chance of success this season, you would have thought that we could have expected a little bit more from the players. It seems to me that the hunger has gone from the side and we have accepted the mid-table mediocrity that is so often the result of a long hard season. And indeed, the league position suggests that they think that even that will be handed to them on a plate. Quite simply it is not good enough. These players are earning - a very loose definition of the word - thousands of pounds per week, and much of that comes out of the ordinary supporters pockets.
I know for a fact that Aston Villa have some of the most fiercely loyal supporters in the land, which perhaps explains why they continue to spend money on substandard products rather than shop elsewhere. However you cannot help thinking that in years to come, unless things change radically, this will not be the case. In today�s society where more and more people are moving away from their towns of birth for employment and social reasons, clubs cannot rely on regional association to maintain their fan base and success, however infrequent, is the only thing which will keep the fans returning.
Aston Villa has always been considered the bigger of the two Birmingham clubs and indeed Birmingham is the second largest city in England. To not have alternative to viagra a football team in the top half of the table challenging for honours is unacceptable, or at the very least, surreal.
I have been reading recently that Doug Ellis has finally decided to relinquish control of the club. Doug has done very well for Aston Villa over the years (I am not one of those who blames him for our demise) and has managed to keep the business in a very strong position financially when so many other clubs are in deep financial trouble. Unfortunately the world cheap viagra of football has moved on from when Doug started and it is time for a fresh injection of cash and some new faces to try and revive the club viagra. I sincerely believe it is time for a wholesale change in personnel at the club, players and manager alike.
Irish property developers the Comer Brothers and Michael Neville who are looking to purchase Villa for around �64million will certainly inject some cash to be spent on players, but my cynical side tells me giving it to a manager who fails to inspire his team will merely lead to a squandering of a golden opportunity. Don�t get me wrong, I have nothing against David O'Leary as a manager and I think in the right circumstances he is very capable. I am suggesting, however, that he has become associated with the failures of Villa over the past couple of years and retaining him for much longer will keep that link to the bad days, when the club needs much more positive input. Likewise Juan Pablo Angel. He is simply another in the long line of expensive strikers who have moved to Villa and failed to live up to their potential. He is a very talented individual and I think perhaps he would benefit from a change of clubs. It is time to cut our losses.
For the Villa fans, we can only hope that the new year brings a new attitude at the club and that things will improve - lets face it, they can�t get much worse after a 3-0 defeat at Doncaster!
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