Residential Real Estate Investing | Real estate

This is the flip side of homeowners that have found themselves unable to pay for their mortgages payments during the recession. Many individuals with the knowledge, and resources have been able to capitalize on the situation in the form of residential real estate investing. Real estate has long been one of the best vehicles to wealth for many individuals in history. More millionaires have been created in the United States through the investment of real estate than in any other industry.Since the beginning of the recession in 2007 real estate investors have seized on the opportunity in residential real estate investing throughout the US at discounts prices up to 50% off the properties markets value. How are these prices created you might ask. When the recession started many employers reduced their work forces in large numbers this created a domino effect in the market place. After several months of unemployment many homeowners began to stop making monthly mortgage payments on their homes. Banks and mortgage companies suddenly found themselves with massive amounts of delinquent mortgage payments on their hands more than they could handle all at the same time. In an effort to resolve this problem these mortgages companies and banks started issuing homeowners notices of default in an attempt to get the homeowners to begin paying on their loans again.This effort was not successful, and on top of that some mortgages that were originated several years prior to the recession had adjustments in interest rate built- in to the mortgage that automatically were scheduled to increase the monthly mortgage payment on homeowners for some $1,000, or more per month which added more troubled mortgage payments as homeowners were not able to pay the increased payments on their houses. This nearly brought the US financial system to a complete standstill which had not happen since the Great Depression of the 1930′s. So, with banks and mortgages following through with their normal practices of foreclosing on delinquent homeowners this created a large supply of homes at a bad time for the real estate market as a whole.Real estate values that had increased from 2003-2007 took a large drop in value almost overnight with an unsteady housing market new homeowners were unwilling to take the chance in getting caught up in the devalue real estate market. This is where residential real estate investing opportunities presented itself. Many of these individuals had been buying, and repairs homes through the boom period of 2003-2007 and had made a lot of profit in the process.So, they were fresh with cash ready to take advantage of this declining market. Banks had to sell this oversupply of properties as the US government bank regulators requires them to get these defaulted loans off of their books. As the only real buyer in the market banks began one by one selling off inventory at large discounted prices to residential real estate investors. These investors in turn made repairs to the homes, and as months went by some potential homeowners started hearing that there were lower prices available in the market place so they decided that they would take a chance at home ownership. The residential real estate investors started selling their properties that they had purchased from the banks at discounts up to 50% to these new homeowners. The new homeowners were happy as they were able to buy homes that were far less than they were able to buy that same home just a year before, and now they were getting new upgraded amenities that the real estate investor had thrown in such as new stain less steel appliances, upgraded cabinetry, freshly painted property through the home, and new flooring that was used to entice the homeowner to purchase.The residential real estate investing segment of investors continued to put more in more money into the market to purchase more discounted properties from the banks. They were making money hand over fist some properties were sold to profits of up to $200,000 to $300,000 per unit depending on where the house was in the country. This was good for business for these residential real estate investors. This trend continues to this very day, but the banks who found out how much these investors were making have made changes to their ways of selling the properties. Big profits are still available, but just not quite as big as the beginning days in 2008 through 2010. When the word got out how much money was being generated in the resell residential real estate market for distressed real estate properties new investors joined the group many of whom had never been in the real estate business prior to the recession. If you have ever thought about making money outside of your current employment there are still opportunities to make money in this avenue sometimes without the need for any of your own money or credit.The opportunity of the large money may not be there anymore, but what is wrong with making an extra $20,000 to $50,000 off of the sale of one property. Two or three property sells per year can put an extra $60,000 to $150,000 in your pocket up and above your current income without you having to leave your current job. This makes the residential real estate investing market alive, and well in 2013.

Do You Have A Whimsical Garden? | gardening

A true garden is more than just a collection of plants it is an expression of the caretaker who oversees it. A garden is a place where one can go to sit and ponder, or to relax and enjoy the moment amongst some favorite surroundings. What makes a garden special is the elements that have been brought into it. The plantings of course should be those which one likes but what about other elements. Some people may call this garden art.I have a hard time with the term garden art as I always envision formal statues on pedestals placed about in almost a museum like way. I prefer to think of things placed in a garden as the personal whimsy of the gardener who tends it. A garden need not be an idea of the perfect elements that are all brought together to form a perfect harmony. In fact a it is just like art in that it is the vision of the gardener who puts it together. Not everyone sees things in the same way as with a piece of artwork. What is important is that the artist or in this case the gardeners vision matches that which they are looking for.I have seen all types of what I would considered whimsical things used in the garden from bowling balls, old glass bottles, marbles, to baby buggies, and even old bed frames yet some how these were incorporated to make them look like they belonged. It may have been the surprise of finding the unexpected in a garden that made it seem alright or just the fact these items blended so well to the surroundings. No matter I think that using them in the garden was a stroke of genius which kept them out of the landfill in a rather interesting way.I have been in fairy gardens and gardens that are inhabited by gnomes there are many hidden spots that as you wander the garden you come upon and you think of what a great imagination the gardener has. It is more though than just imagination it is the expression of ones own creativity. No matter what you enjoy if you want to place it in your garden and it is something that pleases you then you must.A whimsical garden is so much more interesting the gardener lets themselves go and offers those that visit a chance to see a different side of the person. In a whimsical garden you have a chance to put your thoughts into actions and to create the place that you like to be. No two gardens can be alike but one that is personalized with a gardeners special interest is truly a garden that should be visited and admired.

Advantage of Business Phone Service Provider | business services

Currently, small businesses need to eliminate the extra work to avoid any delay in finishing some tasks. And by this kind of method, distractions and complications to unrelated tasks are eliminated but precious time is lost and the rate of productivity is also certain to drop. So this is what the importance of our modern technology is. With all the features offered today by business telephone providers, the effectiveness of every company can be obtained easily. And with the additional help of basic functions such as voicemail, fax mail and call forwarding, tasks that must be sent or reviewed by other colleagues and partners can be done on a lower amount of time, therefore producing more efficiency and time for the other tasks to be done. While it may seem obvious as to what a good phone system provides, having this service would be very crucial and convenient for business.Every business phone service provider features the same functions as the others. This includes, call waiting, a caller ID and call forwarding options. All of these are mainly part of its standard package offered by suppliers. Other service providers include extended features to their package such as mailing and voice conference calls. The transition back to your phone provider would be best done if some machines are not included or available in the service’s package.Communicating with business partners and customers more efficiently that does not affect the properties of the communication is very valuable. AT&T is a leading provider of telecommunications services. Even if you are considering of introducing a new solution of phone services to your company office and replace the old phone system, or simply just make changes by getting VoIP technology, advancing with AT&T services will still be the best choice to make. The benefits and advantages are certain to be attained knowing that an established phone service provider namely AT&T is supporting you.The choice of what phone service provider to choose, depending on the services they offer is now rapidly growing as competition in the telephone business service providers are also increasing. Most service providers are using the same kind of technology and therefore the quality of calls are, in principle, in the features same as the others. Factors regarding customer care service and the price of the product should always be taken into account. Some companies that offer telephone services solutions in bundles at a low price can be expected from such deals, but quality features are sometimes not in the level of the same performance compared to other established service providers. Do consider always calling the toll free customer service about offered features by the provider of your chosen business phone service provider.