Real Estate Listing Quotes

Forget sleeping in it. I'd also shoved a bookcase in front of the door and forbidden anyone else to go in. Thomas didn't say a word. But he did start perusing local real estate listings.

Julian tried to keep a pleasant smile on his face, though already it felt strained. He was uncomfortable with people who used the word blessed as a part of their everyday speech. The implication was that God was intervening in the minutiae of their lives, hanging around and helping them with their jobs or children or household chores as though He had nothing better to do. Maybe it was true, Julian thought wryly. Maybe that was why there were wars and murders and earthquakes and hurricanes. God was too busy helping real estate agents find new listings to deal with those other issues.

If you choose to track only two areas of your business, track your leads and your listings.

By mundane standards, it was a cozy little place, the sort that a real estate listing would call charming, meaning not quite as large as you’d like.

Putting makeup on the face of your listing—before the big date—will increase its value in the eyes of buyers.

There are so many great reasons to devote all of your time and effort to taking and marketing listings. The Millionaire Real Estate Agent grasps the incredible advantages of making, obtaining, and marketing seller listings their primary lead-generation focus, and they do so almost exclusively. Over time, they will hire one or more buyer specialists to work the buyer side of the business and concentrate their energy on the high-return, high-leverage business of listings.

seldom list my formal academic credentials because, honestly, I don’t think they are important. I have met so many broke people with financial credentials that I almost think it discredits me to have had formal training. Yes, I have a degree in finance. Yes, I have been or am licensed in real estate, insurance, and investments. Yes, I do have many of the stupid letters to put after my name. But the thing that qualifies me most to teach about money is that I have done stupid things with zeros on the end. I have been there, done that. I have a PhD in D-U-M-B.

What is a “pyramid?” I grew up in real estate my entire life. My father built one of the largest real estate brokerage companies on the East Coast in the 1970s, before selling it to Merrill Lynch. When my brother and I graduated from college, we both joined him in building a new real estate company. I went into sales and into opening a few offices, while my older brother went into management of the company. In sales, I was able to create a six-figure income. I worked 60+ hours a week in such pursuit. My brother worked hard too, but not in the same fashion. He focused on opening offices and recruiting others to become agents to sell houses for him. My brother never listed and sold a single house in his career, yet he out-earned me 10-to-1. He made millions because he earned a cut of every commission from all the houses his 1,000+ agents sold. He worked smarter, while I worked harder. I guess he was at the top of the “pyramid.” Is this legal? Should he be allowed to earn more than any of the agents who worked so hard selling homes? I imagine everyone will agree that being a real estate broker is totally legal. Those who are smart, willing to take the financial risk of overhead, and up for the challenge of recruiting good agents, are the ones who get to live a life benefitting from leveraged Income. So how is Network Marketing any different? I submit to you that I found it to be a step better. One day, a friend shared with me how he was earning the same income I was, but that he was doing so from home without the overhead, employees, insurance, stress, and being subject to market conditions. He was doing so in a network marketing business. At first I refuted him by denouncements that he was in a pyramid scheme. He asked me to explain why. I shared that he was earning money off the backs of others he recruited into his downline, not from his own efforts. He replied, “Do you mean like your family earns money off the backs of the real estate agents in your company?” I froze, and anyone who knows me knows how quick-witted I normally am. Then he said, “Who is working smarter, you or your dad and brother?” Now I was mad. Not at him, but at myself. That was my light bulb moment. I had been closed-minded and it was costing me. That was the birth of my enlightenment, and I began to enter and study this network marketing profession. Let me explain why I found it to be a step better. My research led me to learn why this business model made so much sense for a company that wanted a cost-effective way to bring a product to market. Instead of spending millions in traditional media ad buys, which has a declining effectiveness, companies are opting to employ the network marketing model. In doing so, the company only incurs marketing cost if and when a sale is made. They get an army of word-of-mouth salespeople using the most effective way of influencing buying decisions, who only get paid for performance. No salaries, only commissions. But what is also employed is a high sense of motivation, wherein these salespeople can be building a business of their own and not just be salespeople. If they choose to recruit others and teach them how to sell the product or service, they can earn override income just like the broker in a real estate company does. So now they see life through a different lens, as a business owner waking up each day excited about the future they are building for themselves. They are not salespeople; they are business owners.

Buy Verified Airbnb Accounts If you want ease regarding your traveling experience, buy a verified Airbnb account, which might be the solution you would need. Though Airbnb is a great portal to book unique stays and experiences, getting it verified sometimes gets tricky. A verified account earns you trust and credibility for better deals and access to more listings. Many people find buying a verified Airbnb account saves time and hustle, freeing them to plan their perfect trip rather than taking headache over account verification. With the purchase of a Verified Airbnb account comes safety and ease into booking. No more waiting for account verification or profile rejections. Our Services ✮100% verified Airbnb account ✮Confirmed photo ID ✮Verified email ✮The account is activated and fully verified. ✮We provide 24/7 customer service. ✮Immediate shipping ✮Full documents and account verification ✮High-quality service ✮Low price per account ✮Grants full access ✮Airbnb account works in all countries ✅If you want to know more or have any queries, just knock us here– ✮   24 Hours Reply/Contact   ✮  ✮  Email:pvasmmstore14@gmail.com ✮  Telegram:@pvasmmstore ✮  WhatsApp:+1(915)257-2706 ✮ Microsoft team:pvasmmstore15@gmail.com Start Your Airbnb Business Fast—Buy Verified Airbnb Accounts in 2025 Now In 2025, the vacation rental market is booming, and Airbnb remains a dominant force in the short-term rental economy. With millions of travelers using the platform every day, aspiring hosts and property managers are eager to get a piece of the action. But starting from scratch can take time, especially when it comes to building trust, verifying accounts, and gaining visibility. That’s why many entrepreneurs are choosing to buy verified Airbnb accounts in 2025 to kickstart their rental businesses faster and more efficiently. Why Choose a Verified Airbnb Account? A verified Airbnb account is one that has gone through all of Airbnb’s identity checks, phone and email verifications, and often includes a history of hosting or positive reviews. Buying such an account can give you a serious head start in an otherwise competitive market. Here's why: Instant Trust: Guests are more likely to book with hosts who have verified accounts and prior positive reviews. This trust is key in turning clicks into bookings. Time-Saving: Setting up and verifying a new account can take time, especially when dealing with multiple property listings. A verified account bypasses these steps. Priority Listings: Airbnb’s algorithm tends to favor accounts that have a history of activity and good guest ratings, helping your properties rank higher in search results. Who Can Benefit from Buying a Verified Airbnb Account? Whether you're a seasoned property investor or just entering the short-term rental business, a verified account offers clear advantages: New Entrepreneurs: First-timers can avoid the learning curve and account limitations often placed on new hosts. Real Estate Investors: Those managing multiple properties across different regions can use verified accounts to instantly list and scale operations. Vacation Rental Managers: Agencies looking to diversify listings across various accounts for operational or strategic reasons benefit from having pre-established, verified accounts. What Comes with a Verified Airbnb Account? When you buy a verified Airbnb account from a reliable provider, you usually receive: Full Login Credentials: Email, password, and access to any linked phone numbers or verifications. Identity Verification: Completed KYC (Know Your Customer) steps that Airbnb requires for trust and safety. Activity History: Some accounts may include positive reviews, successful past bookings, and a solid hosting track record. Clean Reputation: No bans, strikes, or account warnings—only clean, ready-to-use profiles.

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive.

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive. At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present. So once East Palo Alto was integrated, whites wanting to move into the area could no longer obtain government-insured mortgages. State-regulated insurance companies, like the Equitable Life Insurance Company and the Prudential Life Insurance Company, also declared that their policy was not to issue mortgages to whites in integrated neighborhoods. State insurance regulators had no objection to this stance. The Bank of America and other leading California banks had similar policies, also with the consent of federal banking regulators. Within six years the population of East Palo Alto was 82 percent black. Conditions deteriorated as African Americans who had been excluded from other neighborhoods doubled up in single-family homes. Their East Palo Alto houses had been priced so much higher than similar properties for whites that the owners had difficulty making payments without additional rental income. Federal and state hosing policy had created a slum in East Palo Alto. With the increased density of the area, the school district could no longer accommodate all Palo Alto students, so in 1958 it proposed to create a second high school to accommodate teh expanding student population. The district decided to construct the new school in the heart of what had become the East Palo Alto ghetto, so black students in Palo Alto's existing integrated building would have to withdraw, creating a segregated African American school in the eastern section and a white one to the west. the board ignored pleas of African American and liberal white activists that it draw an east-west school boundary to establish two integrated secondary schools. In ways like these, federal, state, and local governments purposely created segregation in every metropolitan area of the nation.

Depreciation gets special IRS attention, and requires Form 4562. To fill out this form (whether you’re doing it with DIY software or providing info to your accountant), you’ll need to know the basis of your rental property. The basis for depreciation is different than the overall basis because land does not get depreciated, and may change over time if you make improvements to the property. To get started you’ll need to know: • The original purchase price of the property • The list of closing costs (most closing costs get added to the basis) • Land value, which you can find on the most recent property tax assessment paperwork • Additions or improvements you made that will add value for more than one year (think replaced roof, not repainted rooms) • The date the property was “placed in service,” meaning made available for rent The

Millionaire Real Estate Agents are seller listing lead generators first, marketers of those seller listings second, and buyer listing lead generators third.

Outreach to a For Sale by Owner (FSBO)/expired listing Hi it’s (insert name) calling from (insert agency) You may not know me, but I have sold a lot of properties in your area and I have noticed you were looking to sell (insert property address) Is this property still available?

There are three key financial statements that are made up of 5 main elements. These elements include: 1. Assets: Assets are items of value that are owned by the company. Items that can be listed under assets include cash, equipment, real estate, etc. 2. Liabilities: These are items that decrease the net worth of the business. In other words, liabilities are what the company owes other companies, individuals, or investors. Liabilities include items such as accounts payable, long term and short term loans, etc. 3. Equities: These refer to cash or cash equivalents that are used to represent the ownership of the company. The term equity, as used in accounting, determines the value of the company and its ownership. 4. Revenues: Revenue is one component of financial statements that mainly appears on the income sheet and the cash flow statement. Revenue represents all the money that is earned by a business over a given trading period. The revenue of a business can vary from one accounting period to another. The revenue of a business determines the net income of business after expenses have subtracted. 5. Expenses: The expenses of a business are usually used in preparing the income sheet and the cash flow statement. Expenses represent the ways a company uses its funds. Among the expenses include direct expenses such as the cost of goods sold and indirect expenses such as rent and taxes.

OVER THE next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a “Negro invasion” was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines—“Colored Buyers!”—which they ran in San Francisco newspapers.

You will run an aggressive marketing and prospecting campaign built off of the list in Figure 10 on page 138. These activities generate leads. All of these leads go into your 8 x 8 program to establish your relationship with these individuals. Their names are then added to your Met database and they get the 33 Touch treatment each year. The 33 Touch program should then result in repeat and referral business at a rate of one referral and one repeat for every twelve people in the program (or a 12:2 ratio*).

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Non-Round Numbers Are Better at Anchoring Choosing a round number will send the message—especially to experienced negotiators—that you have no specific rationale for that price. And, if you have no rationale for a price, it’s reasonable to assume that you aren’t committed to that price. For example, if a house is listed at $250,000, and you offer $200,000, a smart seller will realize that it’s unlikely that $200,000 number has any specific meaning to you, and that you’re likely just fishing to see if the seller will budge on their price. On the other hand, if you were to offer, $204,200 on that same house, the seller will assume there was thought put into that offer, and will likely believe that the number has some specific meaning. You could reinforce this belief by communicating additional information to the seller when making the offer. For example, before offering $204,200, you might say to the seller: Investor: “I’m glad I met you today… this is actually perfect timing. I just left a closing this morning where I sold a previous property, and I have some cash available to make another purchase.” You haven’t said that the amount of cash you have available is $204,200, but given that your offer is so specific, the seller will likely assume a connection. The seller is now anchored to your $204,200 number, subconsciously thinking that this number is important to your side of the negotiation, perhaps even a requirement for you. Later in the negotiation, you can reinforce this anchor by saying something to the effect of: Investor: “I only have a specific amount of cash available to invest right now. I may be able to increase my offer a little bit, but not much.” Without saying it, you have reinforced the belief that $204,200 is the specific amount you have available to purchase the property, though you’re willing to reluctantly try to find a few more nickels under the sofa cushion.

When it comes to creating persuasive messages, Kahneman said, “The general principle is that anything you can do to reduce cognitive strain will help.”3 While your message may be true, if it isn’t easy enough for your audience to believe it and accept it as truth with System 1, they will call in System 2. And when System 2 is involved, the likelihood of cognitive strain, followed by frustration and agitation, greatly increases. Lists are bait for System 2. Bullet points are bait for System 2. Price comparisons are bait for System 2. Features are bait for System 2. Benefits are bait for System 2. Of course, in the case of the gelato shop, it wasn’t a matter of value story versus no value story. But, whether you’re in the business of sweet treats, used cars, luxury real estate, or medical sales, when it comes to communicating the value of what you offer, you have a choice. Logic or common sense. Strain or ease. Information or story.

I will always recommend you go get your real estate license for the education, training, and access to all of the resources for your business. Do not get your license to chase commissions and listings.

Renter's Insurance This is a must for every tenant. NO EXCEPTIONS in today's world. Try to get them to buy from your insurance agent and have your real estate company listed as additional insured, just like lenders do on your insurance policies now.

Investment firms are buying up more vacation homes, aiming to cash in on growing demand from tourists and remote workers. Most vacation rental homes are owned by small-time owners who list their properties on websites such as Airbnb Inc., but the number of financial firms investing in the sector is growing. New York-based investment firm Saluda Grade is launching a venture with short-term- rental operator AvantStay Inc. to buy about $500 million of homes, the companies said Tuesday. Saluda Grade said it is also looking to raise debt by selling mortgage bonds backed by its homes to investors, the first vacation-rental mortgage securitization, according to the company. Andes STR, a startup that buys and manages short-term rental homes on behalf of investors, also recently signed a deal with Chilean investment firm WEG Capital to buy roughly $80 million of properties in the U.S., Andes said. These investors are betting they can get higher returns if they rent out homes by the night instead of by the year. Low-interest rates have made it more attractive to borrow and Buy Traditional Rental Homes, inflating property prices and making it harder for new buyers to turn a profit. That has prompted some institutions and wealthy families to look in more obscure corners of the property market where competition is smaller, investment advisers say. Some are turning to investments in vacation homes, where demand has surged in many places during the pandemic as more people choose to work from remote locations and leisure travel heated up last year. “There’s a lot more yield available in the short-term market,” said Saluda Grade’s chief executive, Ryan Craft. It is the latest sign of how the pandemic is changing the way people work and live, and how real-estate investors are angling to find new ways to profit from these shifts. Saluda Grade is targeting homes within driving distance of major population centers, Mr. Craft said. His company will buy the homes and AvantStay will manage them for a fee. But while vacation-rental homes can offer higher returns, they also pose challenges to investors. Mortgages are usually more expensive and harder to get for short-term rentals than for owner-occupied homes, said Giri Devanur, CEO of reAlpha Tech Corp., a startup that wants to pool money from small-time investors to buy short-term-rental homes.

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Orlando REO Professionals I, Inc: Serving the greater Central Florida area. We are a group of REO listing specialists, covering: Orange, Osceola, Seminole, Polk, Lake & Volusia counties. Every one of the listing specialists has a minimum of 7 years REO experience. Together added up, a total of over 75 years of real estate experience. Orlando REO Professionals I, Inc. prides itself on having the best inspection and BPO grades every month. We are experts in providing top notch investment property advice and wealth management. We have several clients and millions of dollars in properties, pooled into hedge funds and other property investment portfolios.

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

What are you trying to buy? Asset type? Size? Price? To determine the answer to the first question, do the following: Start with your own net worth. Add in friends and family. The total team net worth is your starting point. Choose a market. Consider travel time and expense. You must be able to be in your market to look at deals at least once a month. Determine the viability of your market. Job growth? Population growth? Get deal flow from the market. Real estate agents Find all commercial realty companies in the city. Get on all their mailing lists. Analyze deals online from realtors in the area. Call the realtors about their listings. Direct to owners Get lists of owners. Create a system to reach owners directly. Mail Text Cold calling Analyze deals. Income approach Income – Expenses = Net operating income Net operating income – Debt service = Cash flow Check with lenders for current terms on debt. What is the CoC return? Cap rate? Debt ratio? Comparable data Check the analyzed cap rate against cap rates in the area for similar properties. Check comparable sale prices. Comps should be close in size and age to the subject property. Comps should have similar amenities. Comps should be within a few miles of the subject property. Exit Hold and operate. Refinance. Sell or flip. Consider upcoming market conditions. Debt Check with lenders or a mortgage broker to determine the availability of loans for this type of property. What are the terms and conditions? Is this the information you used to analyze the deal originally? Make the offer. Use an LOI to submit the offer in writing. The LOI will summarize the main deal points. If your offer is less than 15 percent of the asking price, speak with the realtor before you submit the offer. Once the offer is accepted, send the LOI to your attorney and have them draft the purchase agreement. Draft the purchase and sale agreement. Now that you have a fully executed contract, the clock starts. Earnest money goes into escrow. Do your due diligence. Financial inspection Physical inspection Lease audit Begin your loan application. The lender will complete three inspections. Appraisal Environmental inspection Physical engineer inspection of the buildings Do your closing. The lender will wire the loan proceeds to the closing escrow. Wire your down payment funds to the closing escrow. You own a new property! Engage property management for takeover of operations.

Jason Kurland, forty-seven, represented them all. In fall 2011, Kurland, then an attorney at the Long Island branch of the firm Rivkin Radler specializing in commercial real estate law, received a phone call that would determine his future. The caller, seeking legal advice, had gotten Kurland’s name from another client. Payment would not be an issue because he and two coworkers had just won a $254 million Powerball jackpot. After taxes on their lump-sum payout, they would have $104 million to share. We stereotype lottery winners as financially unsophisticated. Not these guys. They were a founding partner, senior portfolio manager, and chief investment officer for Belpointe Asset Management, a financial firm in Greenwich, Connecticut, where mansions sprout from spacious lots and single-family homes list for quintuple the national median price. Kurland was no lottery expert, but he quickly made it his business to become one. He researched how different states tax lottery winnings, whether and how big jackpot winners need to be identified (at least eight states let them remain anonymous), and the legal tricks one might use, depending on location, to claim a monster windfall. Claiming in the name of a trust or a limited liability corporation, for instance, won’t reduce the initial tax hit, but it may limit a winner’s public exposure. Some states let you claim using a legal entity and others don’t. Some require press conferences. Some allow an attorney to claim the prize as a trustee. “In that case, the attorney signs the back of the ticket—and you have to make sure you trust that attorney,” Kurland said. (We will come to see the irony in that advice.)

Real Life Example: John has $100,000 to invest. He can choose to use that $100,000 to buy a house that will produce $1,000 per month in income or $12,000 per year. This equates to a 12% return-on-investment. John could also, instead, use that $100,000 as a 20% down payment on FIVE similar homes, each listed at $100,000. With an $80,000 mortgage on each, the cashflow would be approximately $300 each month per house -  which is $1,500 per month each or $18,000 per year. This equates to a 18% return-on-investment - 50% better than buying just one home.

Selling & Buying" Everyone is up for sale, because most are looking for nothing but selling and buying … They sell life to buy a wretched living! You see them selling with no shame or dignity, and whenever you encounter a sign of kindness or a smile, you soon discover that it is fake and for marketing purposes only… You see the sons of bitches and their children and grandchildren all busy selling real estate cars bodies and desires fruit and vegetables countries and agricultural lands natural resources (after proxy revolutions) clothes, shoes, and things – both fake and original – cheap gifts and souvenirs in touristy cities iPhones with ugly accessories long and wide lists of all things, big or small, that are supposed to make them happier trendier more attractive and more human… And between one sale and another, they rest and talk about values, the Creator, ethics, religion, what is prohibited and what’s allowed… Between one sale and another buy, you find them discussing dignity and freedom, theorizing the meaning of life, talking about politics and revolutions nature and the environment diseases and chronic illnesses the latest technological advancements about everything expect the fact that all the misfortunes on this planet are because they don’t hesitate to sell anything and everything their hands can reach, in exchange for one moment of superficiality! You see those who chase after and master the game of selling and buying in perfect harmony with the latest trends and styles, yet dwelling inside miserable bodies whose soul and spirit have long departed with no return… Oh, how fortunate are those who learned to adapt with this game of selling and buying… [Original poem published in Arabic on June 29, 2024 at ahewar.org]

The Probate Home Sale When an offer to purchase a home being sold through probate in New Jersey has been accepted, a notice will be mailed to heirs of the estate. This notice is the Notice of Proposed Action. The Notice of Proposed Action enables estate heirs to object to the sale of the home. Should an estate heir - or, should estate heirs - object to the sale of the home, a court date will be set. Any offer to purchase a home being sold through probate must be equal to - or greater than - 90% of the appraisal value of the home. The appraisal value of the home is provided to the court by a licensed real estate appraiser who has been designated by the court to conduct such an appraisal. Whats next? The attorney for the estate schedules a confirmation hearing. This hearing takes place within 45 days of the filing date. Throughout the process, the listing agent of the home being sold through probate continues to show the home to prospective buyers. One directive the listing agent has in continuing to show the home to buyers is to determine whether an over-bidder emerges. An over-bidder is a buyer who submits their offer to purchase the home at a sale price which is greater than offers which have been received, to date. Thus, raising the sale price of the home. Increasing proceeds for the estate. In the event that there is an offer submitted by an over-bidder, the over-bidder attends a confirmation hearing. At the confirmation hearing, the over-bidder is required to present a certified check which is equal to or greater than 10% of the proposed sale price.

Trillions of dollars in homeowner equity…so are the best “captains” of “equity conversion airplanes” the homeowners themselves? No. There is an impetus placed upon real estate professionals - as well as an implied responsibility - to honestly, to effectively and to accurately communicate reality to home sellers. An inability to do so? Fewer real estate listings. Lower sale prices for home sellers. Less equity converted into cash for home sellers. Less revenue for real estate companies. Inopportune…across the board. Three years ago, American homeowners were custodians of an estimated $19 trillion in homeowner equity. Furthermore, over the past three years - even with these stubbornly-elevated mortgage rates - we witnessed an uninterrupted, further run-up in home prices. More equity gained, for American homeowners. As mortgage rates ease downwards heading into the fall, unlocking trillions of dollars in homeowner equity - as a result of more homeowners deciding to either trade up to larger homes, or to downsize to smaller homes, circumstances permitting - will trigger a large-scale (and an upcoming) re-thinking of this following question by more and more homeowners: What shall we now do with this equity we have in our home? So what’s the plan? In real estate, the effective utilization of well-tested "tools,” such as 3-D tours and virtual staging, coupled to good marketing processes - I.e.: a Marketing Plan - deployed by successful real estate teams is a great way for homeowners to convert the equity they have in their homes into cash. It works. Ok, so if you are a for sale by owner home seller in 2024, data indicate that an over-reliance in - as well as, maybe, blind faith placed upon(?), “the Internet,” if you decide to sell your home yourself, FSBO, could lead to an entirely avoidable (and a costly) home selling misadventure. As well as to a saddened foray for home sellers into this unintended outcome: lower sale prices.

Pictures: If you can look at the pictures in a listing and determine that the property is in bad condition, other buyers can too, and they are more likely to avoid setting up a showing or making an offer on that property.

MLS Comments: Another great indicator of seller motivation is the language in the listing. If the listing uses words like “needs TLC,” “all offers considered,” “cash only,” “quick closing,” “will not qualify for financing,” etc., you are likely dealing with a seller who is more motivated.

Here are some specific things we look for in a real estate listing: Price: If a house is priced below market value, that is the best indication that the seller is motivated. They are willing to give up at least some profit in return for a quicker sale. On the other hand, when a house is listed above market value, this typically indicates that seller is not desperate to sell and is more interested in a high sale price than a quick sale. Additionally, once a seller lists a property above market value, they will become anchored to that above-market price, and—barring any major realizations by the seller—it will be difficult to break that anchor and get a great deal on the property. Days on Market (DOM): The second piece of information a listing can provide with respect to motivation is the number of days the property has been listed for sale. Typically, when a seller first lists a property, they are confident (or at least optimistic) that they will get an offer close to list price. For that reason, it’s generally difficult to purchase newly listed properties much below list price.

Price Changes: If a property has had a price drop, that indicates that the seller has accepted the fact that the list price was incorrect.

And if a listing has no pictures whatsoever, or no interior pictures, that’s an even better indication that the property is in such bad condition that the seller or agent believes the pictures would discourage most buyers from setting up a showing. Any retail property that is in distressed condition is going to get less buyer interest,

Prospect just one new FSBO each day. Drive to that home, take a photo. Enter the owner and address in the SOC contact manager. Be sure to check where the tax bill is sent in case the owner lives somewhere else.  You want to mail information where the tax bill goes. Upload photo of home to the SOC system.  With SOC you can create campaigns which will send multiple custom cards at times you designate to the seller. Send a four card FSBO campaign.  They’ll get four customized cards from you over the next two weeks.  Each card will have the photo of their home on the front.  Each card will have reasons they should list with you inside.  It’s important that the message inside is different on each card.  Then follow up with each FSBO you’re working on with one phone call a week.

Drive to the expired home, take a photo. Have a unique letter saved in your computer that you can print out that morning.  This letter will have the home owner’s name at the top of the page with the words “Your listing expired at midnight last night.”  Include a copy of the expired MLS sheet.  Hi-lite the date it expired.  In your letter state they’ll be receiving a box from you in the mail in a few days. Insert this letter into a unique mailing envelope.  I use white bubble wrap envelopes (9x12) and brown craft envelopes (9x12).  Write the owner’s name on the front of the envelope and directly below that write “Confidential”.  That’s all. Don’t write their address on the card. Then, back at the office or your home, enter the owner and address in the SOC contact manager.  Upload photo of home to the SOC system.  Send a custom greeting card with box of cookies or brownies. Follow up 3-5 days after you’ve sent the package with either a phone call, knock at the door or another drop off letter.  They will remember you because they just received a custom card with brownies or cookies.  It turns a cold call into a warm call every time.  It works!

The Service Mindset. When I began my real estate career at the age of twenty-two, I had a fresh Bachelor’s Degree in Marketing in one hand and ‘a tiger by the tail’ in the other. I was on a mission to be successful in life and in business and make a lot of money in the process. Every goal I set was about Me. Me. Me! I was driven by: How much money could I make? Which property listings paid the biggest commissions? How many calls did I need to make to schedule new appointments? How many listings did I need to have to hit my target? You can see where I am going with this! Working full-time, nights and weekends, seven days a week, I only made eleven thousand dollars in the first year! I was tired, disillusioned, and knew that I had to either change careers or massively shift my mindset. I chose the latter. I took ALL focus off me and re-directed my time, energy, and resources to serving my clients. Their hopes, needs, and desires became my primary focus. How could I help solve their problems?

The Service Mindset. When I began my real estate career at the age of twenty-two, I had a fresh Bachelor’s Degree in Marketing in one hand and ‘a tiger by the tail’ in the other. I was on a mission to be successful in life and in business and make a lot of money in the process. Every goal I set was about Me. Me. Me! I was driven by: How much money could I make? Which property listings paid the biggest commissions? How many calls did I need to make to schedule new appointments? How many listings did I need to have to hit my target? You can see where I am going with this! Working full-time, nights and weekends, seven days a week, I only made eleven thousand dollars in the first year! I was tired, disillusioned, and knew that I had to either change careers or massively shift my mindset. I chose the latter. I took ALL focus off me and re-directed my time, energy, and resources to serving my clients. Their hopes, needs, and desires became my primary focus. How could I help solve their problems? And then EVERYTHING began to turn around . . .

PhOne Number:352-587-2948 ADDRESS:407 Lincoln Rd. Suit 10g Miami Beach FL 33139 Miami Realtor, South Beach Realtor, Miami Beach Realto, Miami Real Estate Agent, Miami Beach Real Estate Agent, Miami Luxury Realtor, South Beach Real Estate Agent, Beach Real Estate Agent, MIAMI Association of REALTORS® is not responsible for the accuracy of the information listed above. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange Program and the South East Florida Regional MLS and is provided here for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than the office owning this website are marked with the IDX logo and detailed information about them includes the name of the listing brokers. Data provided is deemed reliable but not guaranteed. Copyright MIAMI Association of REALTORS®, MLS All rights reserved.

Listing agreements are at the core of real estate transactions. It establishes a business relationship between the property seller and the real estate agent.

Seller Checklist Client: Agent Phone: Agent Cell: Create Seller Folder Pre-listing ___ Listing Introduction Appointment/Pre-listing Questions Answered ___ Confirmation Note Sent ___Listing Items ___Listing Introduction Appointment ___Scheduled Listing Paperwork Appointment ___Buckle Your Seatbelts Letter Sent w/ Include Preparation Checklist ___Schedule Monday Contact in Calendar ___ Listing Paperwork Appointment ___ Listing Basket Delivered/Sign In Yard/Lockbox ___ Listing Agreement and All Disclosures Signed, Make Copies ___ We Have Lift Off Letter Sent/Copy of Listing Agreement/Seller Gameplan ___ Listing on MLS Flyers Ready To Go Feedback Activity Log

Data on how such buyers affect the listed market are difficult to corral. But an InvestigateWest analysis of roughly 12,000 buyers who paid cash for listed homes in Multnomah County between 2006 and 2014 found more than 850 individuals or their corporate doppelgangers buying between two and nine homes. Those buyers were joined by the 26 institutional investors that captured hundreds more. Translation? Among the approximately 12,000 purchases, there were at least 2,750 flips, remodels, redevelopments and new rental acquisitions in place of new homeowners at the lowest price point of the market. Owing to the lack of transparency in real estate holdings — many homes were acquired by opaquely named corporations, and some buyers use several at a time — and to the tendency of equity groups to place houses in the names of their investors rather than of the investment company, that number is likely much higher.

Fortune favors those bold enough to move beyond their fear and step out before you have all the answers. The answers will come to you. Be comfortable with just taking action and having faith that you’re on the right path because you have the definiteness of purpose. Follow your life’s purpose without questioning why. Keep moving forward, and here’s what will happen… the right people will come into your life at the right time. Be fearless in this pursuit. Don’t second-guess yourself. Just do it.

You have the freedom to change how you spend your day. You can outsource the tasks and find the guts to do emotional labor instead. You can go out on a limb and do what others aren’t doing. The most frustrated marketers I know are the ones who take it as a given that because they are in industry x, they have no freedom. And so real estate brokers hustle for listings and do precisely what the other brokers do.

really just set out to write a TV romance for my standard fee of $25,000 so that I could pay my back real estate taxes and keep my name from being listed in the local paper.

So what I did was I went to the federal Department of Housing and Urban Development and asked for a list of the people who do these kinds of deals. And I found that there were a few accounting firms that specialize just in these programs. And they, in turn, worked with the syndicators that were the buyers of these tax shelters.

If we need 320 closed units to reach our GCI goal, we’ll still need to work backward a bit further. We’ll need to know: 1. the number of buyer listings and seller listings we’ll need to take to net 320 closed sides per year 2. the number of buyer and seller appointments we will need to go on to take the appropriate number of buyer listings and seller listings 3. most importantly, the amount of lead-generation activity needed to generate the appropriate number of buyer and seller appointments.

Here is what you need to know about your sales contracts written: 1. Number of units written 2. Total volume written 3. Gross income written The best practice is also to track how many of your contracts written were listings and how many were buyers.

The 80:20 Rule is always at work and Leads, Listings, and Leverage are the 20 percent of your focus that ultimately gives you 80 percent of your results. • Lead generation is never a passive activity! • Listings are the high-leverage, maximum-earning opportunity in real estate. • Leverage is the Who, How and What of a powerful real estate sales team.

I had known many real estate agents who spent day after day discussing multimillion-dollar deals with other agents, seemingly achieving fulfillment from their conversations alone.  They steered clear of the excruciating effort it takes to secure a listing directly from a seller, let alone the time and energy it requires to locate a buyer for a property, implement a marketing method, and close the sale. Such an agent limits his efforts to sending out tenth-generation copies of scanty information about properties furnished him by other agents.  It's a lottery mentality—hoping upon hope that some agent with whom he is dealing will somehow get lucky and close a sale—and then, the ultimate hope, a small piece of the commission will miraculously filter its way down to him. I'm not saying that a real estate agent should never work with another broker or salesman under any circumstances.  That would be ideal, but not practical.  Circumstances regarding two of the sales I discuss later in this book were such that it made sense for me to pay a co-brokerage fee to another agent.  Even in those instances, however, I took matters into my own hands and did everything possible to control the destiny of the sale.

Thinking too far into the future was a problem for me. I loved looking at job listings, internship ideas in careers I'd never dipped a toe in, real estate websites that showed rent I couldn't afford. I wanted to be chosen, or to choose–maybe I wasn't sure of the difference yet. I saw choices glimmering outside my reach, and I wanted badly to get closer.

28 Cherry Street is currently listed at $145,000, and recent comparable sales show that the similar homes have sold for between $140,000 and $170,000. 28 Cherry Street, however, needs about $25,000 worth of work to be in nice condition. Therefore, if you pay $145,000 for it and put in $25,000 - you'll be at $170,000 and that doesn't count all the closing costs, holding costs, selling costs, unforeseen overages, or other fees that you'll have to pay. You will be underwater (owe more than it's worth) on this property no matter how much work you do to it. However, if similar homes were valued at $225,000, you would find that you had, indeed, made your profit when you bought.

Over time, they will hire one or more buyer specialists to work the buyer side of the business and concentrate their energy on the high-return, high-leverage business of listings. (And once that is fine-tuned, they may then hire a listing agent to work the seller side as well.)

For a real estate sales business, there are three distinct areas of staffing: 1. Administrative—Marketing and administrative manager, transaction coordinator, listings manager, telemarketer, lead coordinator, assistant, and runner 2. Buyer—Lead buyer specialist, buyer specialists, and showing agents 3. Seller—Lead listings specialist and listings specialists

Face Problem to Sell Property? Confuse how to take Genuine Buyer? Every homeowner will face the challenge of pricing their home for sale. The main problem is facing reality. No matter what your home is like, you might think it is worth more than it is because the things that don’t bother you might really bother other people. Usually, the homeowner doesn’t even meet the potential buyers. The real estate people handle everything. Because they know the exact situation of real estate market, goals, credit etc. To get a genuine buyer for your property, we must list the property of ours on the listing websites. we build genuine leads from these platforms as per our requirements to sell property.

I scrolled hopelessly through real estate listings, fantasizing over houses with yards big enough for a dog, aware that I had somewhere between seventeen and a hundred dollars in my savings account at any given time and would never be able to afford a down payment. I bought shirts that cost five dollars and went out for brunches that cost twenty-five because brunch was the main and only joy in my life.

Introduction What is a Verified Airbnb Account? WhLegal Considerations and Airbnb’s Policy How to Maintain a Purchased Airbnb Account Alternatives to Buying Airbnb Accounts 24 Hours Reply/Contact Telegram: @GETUSAIT WhatsApp: +1(347) 519-9456 Skype: GETUSAIT Email: Getusait@gmail.com FAQs About Buying Verified Airbnb Accounts Conclusion Introduction Airbnb has revolutionized short-term rentals, giving travelers affordable accommodation and hosts a profitable side hustle. But with increasing verification and trust requirements, many users now seek to buy verified Airbnb accounts instead of starting from scratch. Whether you're a property manager, marketer, or aspiring Airbnb entrepreneur, this comprehensive guide covers everything you need to know. What is a Verified Airbnb Account? A verified Airbnb account is an account that has passed all Airbnb's security checks, including: Email verification Phone number verification Government ID verification Payment method validation Positive hosting or guest history Verified accounts earn trust faster, get better listing visibility, and are essential for managing listings in competitive areas. Why People Buy Verified Airbnb Accounts There are many reasons for purchasing a verified Airbnb profile: Instant access to hosting tools Bypass verification delays or bans Boost trust with guests Start immediately with established profiles Expand Airbnb automation or business scaling Buying a pre-verified Airbnb account helps avoid long verification processes or account suspensions that can interrupt business. Benefits of Buying Verified Airbnb Accounts Here are the core benefits buyers can enjoy: ✅ Faster Onboarding You skip all the steps and verifications required for a new account. ✅ Enhanced Trust Established Airbnb accounts with reviews build faster guest trust. ✅ Reputation Advantage Accounts with hosting history help with booking rates and listing rankings. ✅ Multi-Listing Management For property managers, having multiple Airbnb accounts helps diversify and manage listings efficiently. ✅ Avoiding Restrictions Some regions or individuals may face restrictions in creating accounts. Buying one helps overcome that. Who Needs to Buy Verified Airbnb Accounts? 1. Property Managers Who want to manage multiple rentals under separate accounts. 2. Digital Marketers Running campaigns or automations for rental clients. 3. Real Estate Investors Looking to test Airbnb profitability before investing in property. 4. Banned or Suspended Users Who lost their original account but want to continue hosting. 5. Entrepreneurs Wanting to flip accounts or run dropshipping-style rental businesses. Key Features of a Good Verified Airbnb Account When purchasing, look for these features: ✅ Government ID verified ✅ Email and phone verified ✅ Linked payment method (PayPal, card) ✅ Clean record (no violations or bans) ✅ Hosting or guest review history ✅ Unique IP and browser used ✅ Not blacklisted or flagged by Airbnb Where to Buy Verified Airbnb Accounts There are several marketplaces and sellers where you can find these accounts. Popular sou

In that year, in Moscow, a ministerial conference of the Group of Eight (G-8) countries on combating transnational organized crime stated that the ministers had “agreed to consider putting certain responsibilities, as appropriate, on those professionals, such as lawyers, accountants, company formation agents, auditors, and other financial intermediaries who can either block or facilitate the entry of organized crime money into the financial system.”45 The 2003 revisions to the Forty Recommendations of the FATF implement the G8’s “Gatekeeper” initiative by extending basic AML/CFT prevention requirements, including the reporting requirements, with some qualifications, to a list of “designated non-financial businesses and professions” that includes casinos; real estate agents; dealers in precious metals and precious stones; lawyers, notaries, and other independent professionals and accountants in certain defined circumstances; and trust and company service providers.

Looking for a home in Hermosa Beach? Hermosa Beach Real Estate has complete luxury home listings for Hermosa Beach and nearby areas. See the Homes For Sale in Hermosa Beach and get a head start viewing open houses. Search the latest real estate listings for sale in Hermosa Beach and learn more about buying a Hermosa Beach home.

CREATING GOOD COMPOUNDING HABITS EXECUTED EVERY DAY IS THE KEY TO MAKING YOURSELF MORE VALUABLE AND ACHIEVING THE VISION YOU DESIRE.

FIVE WAYS TO DEVELOP A GROWTH MINDSET Acknowledge and embrace weaknesses. Don’t seek approval; focus on what you want. Use failures and challenges as opportunities to grow. Have an attitude of determination and perseverance. Believe that genius is talent plus hard work.

Building the life that you want commands looking at nine key elements and defining the goals you want in each element. These elements are: Business Physical health Spiritual Educational Family/Relationships Personal Financial Lifestyle Mental/Attitude

Jim Rohn says, “Every day you read, and every day you journal. Every day you do these things to become more valuable and becoming more valuable is the secret.” So, creating good compounding habits executed every day is the key to making yourself more valuable and achieving the vision that you desire.

It’s about the vision. Do you know the reason I’ve never missed a day of lead generation in my life, ever, besides the fact that I grew up working on a farm, and I have an extreme work ethic? The reason is I’ve always had a vision.

Take the conversation three levels deep, find three pains, and provide three solutions to those pains. Don’t let them have control. Whoever is in control wins. That’s the reason the more direct you are, the more conversions you will get, because you come from a higher level of authority, which is perceived as control.

You are the reason you don’t have the results you want right now. What are you going to do about it?

Know your DISC personality style by taking the DISC personality test. Identify your four niches. Create a strategy and dominate your niches.

The confidence that you need is belief in your potential. If you see world class potential in yourself, you’ll put forth the effort. If you don’t see the potential, then you won’t put forth the effort and you’ll wait for the performance and the performance always follows the belief in self. —DENIS WAITLEY

At every level you’ve got to change your beliefs again. You’ve got to change what you think you know. This is so important because your story is built from your beliefs, and you’re 100% responsible for them. Your only limitations are the ones you put on yourself. What determines your beliefs?

What’s the story that encourages you and that drives you every single day? Your success story—you 2.0—is on the other side of action. If you want to be the best you possible, you have to make changes and take action. Remember that success occurs when your dreams get bigger than your excuses. Mindset is everything.

you have to be willing to spend “a few years of your life like most people won’t so you can spend the rest of your life living like most people can’t.

Provide only those solutions that are an answer to their pain. Give them the validation to choose you.

If you want to have more, you have to become more. For things to change, you have to change. For things to get better, you have to get better. For things to improve, you have to improve. If you grow, everything grows for you.

She wondered if he was a neighbor, started to smile and introduce herself when his deep voice cut through the cool morning air. “All right, what the hell is going on?” Ignoring the anger in his voice, Charity set her hammer on top of the dresser and climbed down from the porch. “Good morning. I’m Charity Sinclair. I’m the new--” “I don’t care who you are, lady, I want to know what you’re doing on this property.” She fixed a smile on her face, though it took a good bit of effort. “I’m here because I’m the owner. I bought the Lily Rose from a man named Moses Flanagan.” He narrowed those striking blue eyes at her. “Bullshit. Old man Flanagan may not live here anymore but he’d die before he’d sell the Lily Rose. I don’t know who you think you’re kidding, sweetheart, but if you’re planning to squat on his property you can forget it.” It was getting harder by the moment to hang on to her temper. “You’re wrong, Mr…?” He made no effort to answer, just continued to glare down the length of his nicely shaped nose. “Mr. Flanagan decided to move in with his son in Calgary. He listed the property for sale several weeks ago with Smith Real Estate in Dawson. I’m the person who bought it.” His features looked even harder than they had before. “That’s impossible. I tried to buy this place from Mose Flanagan every other month for the last four years. He refused to even consider it.” Her irritation inched up a notch. “Well, apparently he changed his mind. The transaction officially closed yesterday morning. I don’t know why he didn’t tell you the property was for sale.” When his black scowl deepened, she couldn’t resist adding, “Maybe he just didn’t like you.” He opened his mouth to argue, clamped down on his jaw instead, and a muscle jumped in his cheek. Apparently her goading had hit on a portion of the truth.

Mr. Flanagan decided to move in with his son in Calgary. He listed the property for sale several weeks ago with Smith Real Estate in Dawson. I’m the person who bought it.” His features looked even harder than they had before. “That’s impossible. I tried to buy this place from Mose Flanagan every other month for the last four years. He refused to even consider it.” Her irritation inched up a notch. “Well, apparently he changed his mind. The transaction officially closed yesterday morning. I don’t know why he didn’t tell you the property was for sale.” When his black scowl deepened, she couldn’t resist adding, “Maybe he just didn’t like you.” He opened his mouth to argue, clamped down on his jaw instead, and a muscle jumped in his cheek. Apparently her goading had hit on a portion of the truth. “So now you’re the owner,” he said darkly. “That’s right, I am.” He looked her over from head to foot, taking in her Liz Claiborne jeans and the touch of makeup she hadn’t been able to resist. She bristled at his smug expression. “And you actually intend to move in?” “I am in, Mr…?” “Hawkins. McCall Hawkins. I’m your next-door neighbor, so to speak. And I don’t appreciate all that hammering you’ve been doing. I like things nice and quiet. I enjoy my privacy and I don’t like being disturbed. It’ll be easier on both of us if you keep that in mind.” “I’ll do my best,” she lied, thinking of the noisy dredging equipment she intended to use in the stream. She gave him a too-sweet smile. “I’d say it was a pleasure, Mr. Hawkins, but we both know it wasn’t. Now if you’ll excuse me, I have to get back to work.” Turning away from him, she climbed the stairs to the porch, picking up her hammer, and started pounding on the dresser again, dismissing him as if he had never been there. For several long moments, he simply stood there glaring. Then she caught the movement of his shadow as he turned and stalked away, back down the path beside the creek. Of all the nerve. Who the devil did he think he was?

What does this mean in practical terms? Let’s keep things simple, ignore private equity and commercial real estate, and focus just on the broad stock and bond market. You might buy three funds: an index fund offering exposure to the entire U.S. stock market, an index fund that will give you exposure to both developed foreign stock markets and emerging stock markets, and an index fund that owns the broad U.S. bond market. Suppose we were aiming to build a classic balanced portfolio, with 60 percent in stocks and 40 percent in bonds. Here are some possible investment mixes using index funds offered by major financial firms:     40 percent Fidelity Spartan Total Market Index Fund, 20 percent Fidelity Spartan Global ex U.S. Index Fund and 40 percent Fidelity Spartan U.S. Bond Index Fund. You can purchase these mutual funds directly from Fidelity Investments (Fidelity.com).     40 percent Vanguard Total Stock Market Index Fund, 20 percent Vanguard FTSE All-World ex-US Index Fund and 40 percent Vanguard Total Bond Market Index Fund. You can buy these mutual funds directly from Vanguard Group (Vanguard.com).     40 percent Vanguard Total Stock Market ETF, 20 percent Vanguard FTSE All-World ex-US ETF and 40 percent Vanguard Total Bond Market ETF. You can purchase these ETFs, or exchange-traded funds, through a discount or full-service brokerage firm. You can learn more about each of the funds at Vanguard.com.     40 percent iShares Core S&P Total U.S. Stock Market ETF, 20 percent iShares Core MSCI Total International Stock ETF and 40 percent iShares Core U.S. Aggregate Bond ETF. You can buy these ETFs through a brokerage account and find fund details at iShares.com.     40 percent SPDR Russell 3000 ETF, 20 percent SPDR MSCI ACWI ex-US ETF and 40 percent SPDR Barclays Aggregate Bond ETF. You can invest in these ETFs through a brokerage account and learn more at SPDRs.com.     40 percent Schwab Total Stock Market Index Fund, 20 percent Schwab International Index Fund and 40 percent Schwab Total Bond Market Fund. You can buy these mutual funds directly from Charles Schwab (Schwab.com). The good news: Schwab’s funds have a minimum initial investment of just $100. The bad news: Unlike the other foreign stock funds listed here, Schwab’s international index fund focuses solely on developed foreign markets. Those who want exposure to emerging markets might take a fifth of the money allocated to the international fund—equal to 4 percent of the entire portfolio—and invest it in an emerging markets stock index fund. One option: Schwab has an ETF that focuses on emerging markets.

I finally settle? Just last night, I spent an hour before bed looking at real estate listings in Humboldt County and dreaming about buying land, somewhere quiet and remote, some place I can call my own. In this fantasy, I live alone, with only my books and a couple of dogs to keep me company.

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