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Reinventing Real Estate, Part 1: Online and Empowered Consumers Are Taking Charge and Paying Less
For decades cheap viagra, the real estate world turned in a predictable manner. The roles of buyers, sellers and real estate professionals were fairly well defined and transactions followed a predictable path of yard signs, newspaper ads, open houses and miles of paperwork.
Recently, online and empowered consumers have changed the game. Real estate professionals now face issues similar to the ones that have transformed the retail, personal finance and travel planning industries. As technology advances and new business models evolve, the real estate industry has begun to transform itself from providing traditional, carefully controlled �agent-centric� transactions to new �consumer-centric� practices. The following is a look at some of the recent industry trends and how buyers, sellers and investors can expect to benefit. The �Five Ds� that are driving change in real estate are:
1. Disruption � Over the past 10 years, the Internet has matured into a powerful platform for delivering real estate information, forever changing the interaction between buyers, sellers and real estate professionals.
2. Displacement � The popularity and acceptance of self-service and consumer-direct business models is being felt by real estate professionals, who are striving to develop attractive new offerings for Web-savvy consumers.
3. Demanding consumers � You now have more real estate knowledge, tools and resources at your fingertips than ever before. More savvy consumers tend to be more independent and demanding.
4. Downward pressure - Traditional real estate commissions of 5-6 percent of a property�s sales price are facing downward pressure.
5. Developing alternatives � The real estate industry is transforming itself to provide targeted services and exciting new options that add value for consumers. Disruption
�We are going to see our industry go through dramatic transformation via the Internet and consolidation of agents and companies.� � eRealty Times Columnist Dirk Zeller
Some industry observers have adopted Harvard Business School professor Clayton Christensen�s term �disruptive technology� to explain recent developments in real estate. Though it�s easy to point to the World Wide Web and advancing technology as the main changes in real estate, that�s only part of what�s shaking things up. Essentially, the real cause of disruption is not just technology, but technology-enabled real estate consumers.
Web-enabled consumers
According to the National Association of Realtors (NAR), more than 72 percent of homebuyers now begin their home search online. The popularity of online real estate ads surpassed newspaper property listings back in 2001, and the gap is widening. Less than one percent of buyers first learned about the home they purchased on the Internet in 1995, while in 2004, that number passed 20 percent.
According to a California Association of Realtors (CAR) survey, 97 percent of respondents said the Web helped them understand the buying process better and 100 percent said using the Web helped them understand home values better. Web-enabled homebuyers like you are taking a more active role in researching homes and neighborhoods. You also now spend less time with real estate professionals once you have completed your research. Internet homebuyers also used the Web effectively to filter out properties that did not interest them, visiting 6.1 homes on average versus 15.4 for traditional buyers.
Today, you can view photos and detailed information for hundreds of properties in the time it used to take to visit a single one. And the Web provides much more opportunity than simply moving print listings online. The growing availability of residential high-speed Internet connections has boosted the popularity of virtual tours and interactive maps, providing consumers with powerful and flexible visual search tools.
In addition to making home searches easier, automated valuation model (AVM) software is making a big impact in how properties are evaluated. AVMs, which generate valuation estimates by analyzing and comparing property information data, are becoming increasingly sophisticated and accurate. While not considered a substitute for human appraisals, AVMs are gaining popularity because they are inexpensive, easy to use and produce valuation estimates in generic viagra minutes. Now AVMs, used extensively in electronic mortgage approval processing during the recent refinancing boom, are becoming available on real-estate Websites aimed at consumers. This is a significant development for independent sellers, who often find it challenging to price their properties correctly when selling on their own.
The MLS goes public
�In real estate, MLS data sits at the apex of the change, specifically the MLS information that is pushed to the Internet every minute of the day.� � Bradley Inman, Publisher of Inman News
Once an exclusive tool for real estate professionals, the multiple listing service (MLS) has in recent years become a very public platform for real estate listings. The MLS is the nation�s most comprehensive database of properties for sale � four out of five homes sold in the United States are listed on the MLS. MLS properties are available to agents and brokers worldwide, and are now accessible via consumer Web sites such as Realtor.com, WSJ.com, Excite, Netscape, AOL and MSN. MLS listings also appear on local, regional and national brokerage Websites through Internet Data Exchange (IDX) agreements that allow participating Realtors to share listings and display them to consumers. Even though only licensed realtors can list property on the MLS, the system has begun to figure prominently for the $110 billion independent seller (for-sale-by-owner alternative to viagra or FSBO) market. About 13 percent of real estate sales are now FSBO, conducted without a broker�s assistance.
Type �flat fee MLS� into any major search engine, and you�ll see dozens of real estate professionals willing to list your property in the MLS for a fee. If you are willing to pay a commission of 2-3 percent, you can attract the attention buy viagra of thousands of agents who will show your property to prospective buyers. You can then reduce the cost of the sale to about half a traditional 5-6 percent sales commission, plus the cost of the MLS listing. If you find an independent buyer working without an agent, you could make a sale with no commission at all and pay only an MLS listing flat fee. Displacement
Currently, about 2.4 million real estate licensees operate nationally, according to the Association of Real Estate License Law officials. The order viagra NAR has more than one million members, up from about 760,000 members five years ago. Many real estate professionals and industry observers expect a significant decline in this number because some tasks traditionally performed by agents and brokers can now be done more quickly and easily by Web-enabled consumers.
�Historically the fundamental driver of the real estate industry was the control of information. The real estate agent and the real estate office were the only sources of comprehensive information on which properties were for sale and those who might be interested in buying them. With this control revenues were practically guaranteed.
Moreover, because this exclusive control viagra was akin to a monopoly by virtue of the multiple listing service (MLS) any firm of any size could serve the customer equally well. As a result, the number of real estate companies grew without regard to market efficiencies.
Simply put, the traditional model is too inflexible. Consumers are seriously questioning the value of a real estate agent. They frequently feel that many of the traditional tasks undertaken by the agents are now either no longer required or can be done by the consumer themselves.�
� Swanepoel & Tuccillo, Real Estate Confronts Profitability
The quotes above, from a popular report on emerging real estate business models and dwindling profit margins, highlight a number of issues traditional real estate professionals are now facing. And if the real estate industry has grown historically without regard to market efficiencies, the issue has only been compounded since 2001, as new agents signed on in droves, lured by low interest rates and skyrocketing home prices in many areas. It�s likely that the number of traditional real estate agents will decline, while new types of real estate jobs will be created to deliver value to Web-savvy customers.
NEXT in Part 2 of 2: - Demanding Consumers, Downward Pressure and Developing Alternatives
Playing to Win is Different than Playing Not to Lose
Have you ever watched a football game (or any game for that matter) when one team is winning by a large margin, a blowout, but then the opposing team decides that they have nothing to lose? They throw all caution to the wind and start playing with total abandon. By taking bigger chances and going for broke, the team starts to score quicker, taking bigger risks and getting better rewards. This team is playing to win. The other team, who was winning by such a large margin, changes its focus, trying to play cautiously and protect their lead viagra. This is playing not to lose. By the final quarter, the team that is playing to win has caught up to the other team. What seemed impossible a few quarters earlier becomes a reality: they pull off a come-from-behind win.
How did this happen? Fear of losing can take one�s eye off a desired buy viagra goal.
Let me give you another example from my own life. When I was just starting out in business I was very aggressive. I was willing to put everything I had on the line to succeed (mind you in those days, it was not much); nevertheless, it was all I had. For each new initiative, I would have to bet the farm on my ideas, and I never hesitated. I was always willing to use my house, my car, my time, anything I had for collateral on my ideas order viagra.
As I started to have more success and acquiring a comfortable lifestyle, however, I became less and less willing to risk it. Around 1997, we hit some bumps in the road with one of our major clients, and they decided to put our contract out to bid. I got nervous. If we lost this client, we would be in a vulnerable position. I decided to purchase another business that would potentially replace that income if we lost the major client.
The point generic viagra to this story is this: I did not want to buy this other company, and I knew it was not a good idea. I was acting out of fear of losing, however, I did it anyway. Instead of focusing on how to win, I was focused on playing not to lose. In the end, that decision turned out to be one of cheap viagra my biggest mistakes. The company I purchased not only lost money for us, but it took three years and many resources away from focusing on what we really wanted.
I am not suggesting that you throw all caution to the wind. But when you approach a decision, it might be worth asking yourself, �Are you playing to win or playing not to lose?� When you�re acting to prevent loss, it takes energy away from acting out of a place of good judgment and moving forward to win.
Quotes:
"The more you seek security, the less of it you have. But the more you seek opportunity,the more likely it is you will achieve the security you desire."-Brian Tracy"Winning is not everything, but wanting to win is." - Vince Lombardi
"The goal is to win, but it is the goal that is important, not the winning." - Reiner Knizia
"Focus on where you want to go, not on what you fear."- Anthony alternative to viagra Robbins
Tips for Using Balloons at Your Next Party
Balloons are a great way to decorate any party. They are colorful, festive and rather inexpensive. The two most popular balloons are latex and mylar balloons. You can even purchase a helium tank and fill them yourself. A kit comes with a tank, 50 colored latex balloons and ribbons.
One way to decorate your tables order viagra is balloon centerpieces. Depending on your budget you can purchase pre made balloon weights or make your own. To make your own weights all you need is sand and foil wrap. Don't forget about putting alternative to viagra a balloon on each chair. If you plan in advance, you can purchase personalized latex balloons.
A great way to give out party favors is to package three or four ounces of candy treats in a bag and wrap it with foil wrap. Use the candy as a weight to hold down the balloon. When the party generic viagra is over make sure each child leaves with a balloon and candy favor.
Another idea for a kids party is to hire a balloon sculptor. A good sculptor can make hats, animals and keep the party flowing for over an hour. This is recommended for children three and up due to the chocking hazards of balloons. Make sure no uninflated or popped balloons are left around.
Having a pool party? Definitely don't forget the fun water balloons. I mean you are already wet anyway and it's a great way to cool down while running around the pool. Check your local toy store for water balloon hose nozzles that make it easier for kids to fill their own balloons.
Going to visit someone in the hospital? There is nothing like showing you care then a bouquet of balloons. Remember, space is a concern in a hospital room so a few colorful balloons cheap viagra will do the trick.
Use your imagination and you could come up with endless possibilities for using balloons to add that extra touch. Balloons are a fun colorful way to celebrate any viagra occasion, and best buy viagra of all they always make you feel like a kid again.
Sport
In our modern day society we have moved away from walking anywhere and think nothing of jumping into the car for a quick trip to the corner shop. We live life at such a fast pace that we feel we dont have time to walk anywhere and as a result we are probably the most unfit that buy viagra we have ever been.
Things are beginning to change as we slowly realise that our own health is in order viagra our hands and many people are turning to Sport to help them enjoy becoming healthier.
Sport is a diverse area, which continues to grow. Many countries around the world embrace and claim a Sport as their own, calling it a national Sport. It has become a World Wide industry in which countries compete and stake claims on titles and trophies. There seems to be a Sport that suits everyone and of every age.
There are various types of sport that range from professional viagra to amateur. There are Olympic Standard Sports and sports that are just for fun. There are lone sports such as alternative to viagra hurdles, javelin throwing and pool. There are team sports such as basketball, hockey and rugby. There are also sports that can be both generic viagra, such as tennis, running and swimming.
Sports can be played on many different levels, such as locally, nationally and internationally. Sports can be relaxing, or stressful, depending upon which sport you choose to pursue.
There are so many cheap viagra different types of Sports, that it is sometimes difficult to define exactly what sport is, as for some people, in some countries, yodeling is a competitive sport!
Championship Betting Review
Runaway leaders Reading suffered their first League defeat in 33 games at the hands of Luton on Friday night. The in-form Kevin Doyle put the 9/10 Royals ahead but were stunned with two goals from Rowan Vine and one from Dean Morgan. Doyle pulled one back for Reading in stoppage time but Luton had done enough to earn an unlikely win at odds of 14/5.
Sheffield United took advantage and cut Reading�s lead to nine points with a derby victory away at city rivals Wednesday. Michael Tonge and Ade Akinbiyi netted for the Blades before half-time before the Owls hit back 10 minutes from time with a Steve MacLean penalty. The 5/4 win for Neil Warnock�s generic viagra side was United�s first double over Wednesday for 14 years.
Watford climbed above Leeds to claim third place in the table after beating second-from-bottom Brighton at the Withdean Stadium. The Hornets withstood early pressure from the home side but secured a narrow 1-0 victory buy viagra at 11/10 thanks to a Chris Eagles goal on the stroke of half-time.
Leeds were held to a draw at Leicester, despite the home side playing 79 minutes with just 10 men. Iain Hume put the Foxes in front after five minutes before Patrick McCarthy was alternative to viagra sent off for a foul on Rob Hulse order viagra, which led to Robbie Blake equalising from the resulting penalty.
With Preston North End not playing, Cardiff made up ground and are now just three points away from a play-off place. The 4/5 Bluebirds beat Hull 1-0 thanks to Cameron Jerome�s goal after 22 minutes.
Wolves also remain in the play-off hunt after a narrow 1-0 cheap viagra win against Ipswich. Castro Sito felled Jeremie Aliadiere in the box 16 minutes from time and Kenny Miller dispatched viagra the penalty for 11/10 Wolves.
Millwall striker Ben May struck an 89th minute equaliser to earn his side a crucial point against Crystal Palace. Ben Watson looked set to give the Eagles a routine win at 11/10 with his goal after 67 minutes only for May to snatch the relegation strugglers a point at the death.
Types Of Real Estate - An Investor's Choice
There are different types of real estate, and different ways to invest in them. Which way is best is for you to decide, according to your particular needs. Here are a few ways to consider, with their advantages and disadvantages.
1. Rental houses. Advantages: One of the easier ways to get started, and good long term return on investment. Disadvantages: Being a landlord isn't much fun, and you typically wait a long time for the big pay-off.
2 cheap viagra. Rent-to-own houses. Advantages: When you buy, then sell on a rent-to-own arrangement alternative to viagra, you get higher rent, and the buyer is usually responsible for maintenance. Disadvantages: The bookkeeping is tricky, and most tenants don't complete the purchase (this can be an advantage too, but it does order viagra mean more work for you).
3. Low income rentals. Advantages: The same as with any rentals, but with higher cash flow. Disadvantages: The same as with other rentals, but with more repairs and tenant problems.
4. Fixer-uppers. Advantages: A quick return on your investment, and it can be more creative work. Disadvantages: Higher risk (many unpredictables) and you get taxed heavily on the gain.
5. Buy for cash, sell for terms. Advantages: You get a high rate of return by paying cash to get a good price, and selling on easy terms to get a high price AND high interest. Disadvantages: You tie up your capital for a long time.
6. Buy land, split it and sell it. Advantages: It is simpler than most real estate investments, with the possibility of great profits. Disadvantages: It can take a long time, and you have expenses, but no cash flow while you wait.
7. Boarding houses. Advantages: You can get a lot more cash flow renting a house by the room, especially in a college town. Disadvantages: You can get a lot more headaches renting a house by the room, especially in a college town.
8. Commercial real estate. Advantages: Long term triple-net leases mean little management and buy viagra high returns. Disadvantages: Tough market to break into, and you can lose income on vacant storefronts for a year at a time.
9. Buy, live in it, and sell. Advantages: The new tax law means you can fix it up, and sell for a big tax-free profit generic viagra after two years, then start the process again. Disadvantages: You have to move a lot.
10. Speculation. Advantages: Buying in the path of growth and holding until values rise can yield large profits, especially if you buy low to start. Disadvantages: Prices aren't that predictable, you have expenses with no income while you're waiting, and transaction costs can eat viagra much of the profits.
Chelsea Run Away with the English Premiership Football Title
The seemingly invincible Chelsea FC look set to record their second buy viagra consecutive Premiership soccer title after a convincing 2-0 defeat of Liverpool FC.
Now 15 points clear at the top of the Premier League, Chelsea barring catastrophe will be champions again. cheap viagra This is in no small way due to their enigmatic manager Jose Mourinho. The Portuguese master tactician has instilled a belief of invincibility in his team that is rarely viagra seen.
Many fans of English football may point to the fact that Mourinho has spent vast amounts of his Chairman's money to attain this position, but that is not alternative to viagra the reason for Chelsea's success. The credit must go to order viagra Mourinho, the man they call "The Special One". He continues to make the correct selections, and more generic viagra importantly, his interventions from the sidelines are rarely innefective. He is the consummate professional.
Chelsea seem set to embark on a domination of the English game, and as long as Mourinho is in charge, they will continue to set the benchmark. Whether they can go on to dominate the European tournaments in the same way is a question soon to be answered, they certainly have the talent and the right man at the helm, but Europe is difficult to conquer.
The forthcoming Champions league games are awaited with baited breath...
A Superbowl Victory
Most people watched the Superbowl out of shear entertainment, while taking it quite seriously at the same time. It gives their fans a sense of comradary and pride. There's nothing like a football game to unite people. Most of them know the rules inside and out and can make the calls quicker than the announcer. This leaves me asking, if so many people can understand this game, why don't they know God's rule book of plays in their own lives?
If more people would put that amount of time and effort that it takes to memorize all the players' statistics, why then can't they learn the statistics that God has given us for our own good? It's very alternative to viagra clear that when we learn the proper plays in life as we go up against the opposing team, we will be more than just conquerors, we will be victorious! Everyone loves to have a victory in their life but do little about it.
As the game started out, the Sea Hawks won the kick off and got their first 3 points. I'm not saying that the Sea Hawks are the enemy, they aren't, but in God's world, we all have a very real enemy called Satan. He opposses us at every play. Once he gets his foot in the door, or his first 3 points, it's almost impossible from keeping him from coming all the way in...unless you know what your game plan will be to keep that from happening. Fortuneatly for the Steelers, they did know what to do.
The thing about the Steelers is, not one player acted any better than anyone else. In fact, they all pulled their weight and then some. They pulled together. When pride enters into our lives, the enemy will use that to beat us down. So through team effort, the Steelers came back with a 7 point touchdown and the game just proceeded from there to the Steelers advantage. The Sea Hawks could not over take them after that. But they tried valiantly, just as Satan will do to us. He will use stronger stradegies and hit harder.
In our Christian lives, we need to know without a doubt how we are going to oppose our enemy from taking the game over. Remember; just keep focused!
First of all, as we are new to this walk this is where we need to get all the practice we can get, we are still rookies. It's these rookies that Satan is waiting to recruit back to his team. If you don't stay strong in your game, you will be traded back to him before you know what happened. As any football player knows, his skills and knowledge comes from alot of time and effort put into it, until they know it inside out. It's no different for Christians who want to be at the top of their game either. Since God's Word can be overwhelming at first, we need to gather together with other Christians regularly to learn and to grow. That is why God gives us our coaches. They spur us on, they make us understand the plays to our advantage. The end result is to realize that all of our training is to honor God. The Steelers wanted to make their city of Pittsburgh proud of them also.
If you are serious about being a team player for God, you have to recognize the authority of Christ as your leader. You have to learn to humble yourself and serve Him by serving others. You can no longer be in the center spot light. But just as Big Ben gets most of buy viagra the attention, he could not have done that one important play without the help of Heinz Ward. We need Christ to partner with us also in order to make our winning touchdowns! We can't do this game without the help of our Christian team players. God gives us pastors, preachers, teachers to talk with us and give us the rules to His game. If the football players didn't listen to their coaches, they would not be playing pro footabll. We must learn to respect the authority of those He puts in our lives. Our time of study and meditation takes alot of practice in order to get it just right. It doesn't all happen over night, or even in one lifetime. But the most important thing to remember is to keep doing what you're doing. It takes dilegence, patience, time, practice, and endurance. It's not a question of ever giving up. Yes, it's a hard road, but it's worth it in the end. Just ask any of the Steelers. They kept their eyes on the prize and now can say the acheived it! And I can't help but believe that they give all the credit to the Lord for their victory. God honors this.
"For whatever is born of God is victorious over cheap viagra the world; and this is the victory that conquers the world, even our faith. Who is it that is victorious over the world but he who believes that Jesus Christ is the Son of God (who adheres to, trusts in, and relies on that fact)?" 1 Jn.5:4-5 (Amplified)
Life is not all about football, but it does give us a sense of comradery and it also gives us a new insight in which to observe this game. Will you ever watch it the same way now knowing that your own life is based on the same principles?Is your life worth the time and effort of learning the stradegy plays between life and death as much as knowing the rules of a football game? Get determined to make your own touchdowns!
To me, I think football is alot more complicated than learning the True Word of God. At least I know if I make the right moves and do the plays His way, then I am sure to be victorious! I no longer just take it in a passive "whatever" kind of attitude. I am now determined to win!
This reminds me of how passionate people are about their home teams, but where is their order viagra passion for Christ? Is it lukewarm? I pray that it isn't because this is what Jesus says about those who are:
"I know your generic viagra (record of) works and what you are doing; you are neither cold nor hot. Would that you were cold or hot! So, because you are lukewarm and neither cold nor hot, I will spew you out of My mouth!" Rev. 3:15-16 (Amplified)
What will your scoreboard say when your game is over? Will Christ spit you out or will He embrace you in His loving arms?
To be a winner in God's team is to viagra know you are not a loser!
Spider-man Superhero Birthday Party
Is there a Spiderman lover in your household? Do they happen to have a birthday coming up soon? If so, a Spiderman theme party is just the perfect thing to do. Planning a Spiderman is easy to do, and any party supply store can help.
The party goers will most likely be young and male. There can be other variations, however, the majority are young boys and will like lots of Spiderman activities. To get the guests in the mood, send out Spiderman buy viagra invitations. There are packages that have all the invitations, plates, napkins and cups which all alternative to viagra coordinate in one large grouping. Buying the pieces individually is also an option. Balloons, streamers and wall decorations are also made, and your budget is the only limiting factor.
Games to play for the kids could include Spiderman themes or regular birthday games. Make time to open the presents and eat a Spiderman shaped cake. Musical chairs, pop the balloons and everyone�s favorite, a Spiderman pi�ata filled with candy. Bags to send home with the guests full of goodies are made to match your party theme viagra too.
If you have an older generic viagra crowd, you could venture cheap viagra into spider games. Make a mystery that only Spiderman and his greatest fans can solve. If the crowd is into spiders, give them trivia questions on spiders order viagra. Name movies, songs and cartoons where spiders are characters. Use the movie Spiderman and create trivia questions, or just watch the movie for entertainment.
Prizes can be Spiderman favors that come from any party supply store. Stickers, tattoos, bubbles, whistles and plastic trinkets are all great favors and come in many styles and prices. Candy is also an option for treats, and comes in Spiderman containers or wrappers. Spiderman books or comic books as favors would also add to a well-rounded theme.
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