The Truth About Shadow Inventory In Phoenix Real Estate Market

With a little bit of analysis, the claim that there is a tremendous shadow inventory on the Phoenix real estate market is easily banished. Unfortunately, homeowners and home-buyers are oftentimes led off the path by faulty reporting, even in major news outlets. There are resources that can be inspected to get a precise evaluation of how much inventory may be available and that is currently with lenders.

Erroneous Reporting

Reuters, one of the biggest news agencies in the world, announced in July of 2012 that price gains in Phoenix – and other so-called foreclosure-heavy cities such as Miami – are largely because banks own a great deal of inventory that they’re not putting on the market. The reason given for this is a possible scandal due to robo-signing on the part of banks. Unfortunately, the information put out in the media is inaccurate.

In the Phoenix market, at least, if the banks were to let the inventory that they currently hold onto the market, it would make a trivial or no difference at all in the prices for homes, specifically considering how much demand has increased over the last year.

Not That Many

The Cromford Report follows the amount of inventory that is held by lenders. This tracking is only attainable by subscription, but it keeps record of Phoenix real estate inventory unequivocally. According to these reports, there aren’t even 5,900 residential properties in the hands of lenders. Almost half of them are already active, some of them are pending sales and others are off of the market on ARMLS, according to Arizona Real Estate Trends.

Of the inventory not included in that number, lots of them are under leases and are occupied by tenants. The reporting mentions that, even if that housing inventory was released onto the market, it would account for less than two weeks of inventory in the Phoenix real estate market. This would not have any significant effect on the prices of homes in the overall market. In fact, in a healthy real estate market, the inventory is usually somewhere in the neighborhood of six month’s worth of properties.

Not Many Foreclosures

Another popular conception is that Arizona is one of the worst states in the nation as far as foreclosure rates go. In fact, Arizona has a foreclosure rate that is below the national average. Currently, according to the reporting, Arizona has approximately 5.9 percent of its homes which are 30 days delinquent and not yet in foreclosure. The national average for that same figure is 7.6 percent. As for homes that are more than 30 days delinquent and that are in foreclosure, Arizona has a rate of 8.7 percent, while the nation as a whole has an average of 11.3 percent.

Though the two states are often mentioned side-by-side in real estate reporting, Florida has a 21.3 percent rate of loans that are 30 days or more past due and that are in foreclosure, establishing that Arizona is in better shape than is portrayed in the media. Shadow inventory on the Arizona real estate market, quite simply, is a fabrication.

Fast and Efficient Ways To Finding An Apartment In New York City

Searching for an apartment in the biggest City in the country is a daunting task; whether you are new to NYC or a 12 year veteran like me, you will need thick skin to navigate this concrete jungle! Let me start with my personal experience.

I am originally from Portland, OR, I moved to the Big Apple back in 1998. My first 5 months living in New York were spent living out of a hotel because I had a hard time finding a place. My original intentions were to stay at my hotel for 2 weeks, but I had to extend my stay since I grossly underestimated the difficulty of finding a decent apartment in New York. Now after 12 years and 7 moves I consider myself an expert in New York City apartment hunting and now I will share the knowledge I have accumulated over the years of searching for apartments by myself or using a broker.

This article is a guide that will help make the process of finding an apartment in this “crazy city” easier, more efficient and less confusing (it might even save you a couple of dollars in the process). It is all laid out in an easy to follow 6-step process.

Step 1: Figure Out What Neighborhood You Want To Live In!

This may seem like the easy part because you obviously want to be in an area that is convenient, trendy and safe, however you will soon figure out nothing is that easy in New York City. You need to determine what neighborhood fits your personality/life style and at the same time determine what kind of space/amenities you will need. For example you may work in the East Village and love the energy there but are you willing to pay the steep price tag for a “shoe box”(and by “shoe box” I mean a tiny apartment) in a run down building that is a 4th floor walk-up. Do you feel comfortable living in an area where it’s a constant party scene every night?

A book that is an amazing source of info for the ins & outs of every neighborhood is the NFT (Not For Tourist) guide of New York City. You can buy this in any Barns & Noble and make sure it is the most up to date version because there is a new version every year. Another great way of getting to know a neighborhood is by Googling it. With an endless source of information in cyber space why not take advantage of it. If you prefer doing it the old fashion way, taking a stroll through the neighborhood, go for it! But make sure you have your trusty NFT guide with you so you can spot the important things.

Step 2: Determine What You Are Willing To Sacrifice

In your apartment search you are going to have to sacrifice something whether it be size, location or amenities. You are going to have to prepare yourself mentally and emotionally because the grim reality is the perfect apartment doesn’t exist (unless you have an unlimited budget) The general rule of thumb in New York is the further uptown you go the bigger and cheaper the apartments will be. The further downtown you go the smaller and more expensive it will be.

You need to determine what is most important to you within your unique budget and find that middle ground. My advice, is if you find an apartment that is 70-80% ideal, take it, because the pickier you are the harder the search will be! I learned this the hard way a longtime ago and you do not want to get stuck chasing around that “magical apartment”. Yes, it is possible you might get lucky and find that perfect apartment but so is hitting the jackpot in the lottery!

Step 3: Determine What You Can Afford And If Your Budget Is Realistic

Once you have an idea of which neighborhoods you prefer to live in, now you have to determine if your a budget is realistic. Determine what is the average price for an apartment for those neighborhoods. How? I recommend going to a website called apartmenthero. This website will provide current market averages for every size apartment rental in every neighborhood in the city. Results are usually pretty accurate but sometimes they can be a little off, about plus or minus $300. When you first enter the site you will be prompted to enter information to compare your current apartment to the current market rate. If you’re a “newbie” and do not have an apartment yet, go to the right column of the website, click on “average rents in Manhattan”. Another great way is to do your own research on nytimes. I find that nytimes rental listings are much more accurate and up to date, as opposed to Craigslist and other sites where there are tons of bait & switch scams.

Next, determine what you can afford, landlord’s make this part easy because to qualify for most apartments in the Big Apple, you need to have a good credit standing (650 or above), earn a yearly household income of 40-50 times your monthly rent and if you don’t, then you need a guarantor. He or she needs to earn 80-100 times the monthly rent. For example the average one bedroom apartment in East Village is about $2,300 -$2,600 per month; you will need annual household income of $92,000 to qualify and a guarantor, would need a yearly income of $184,000 minimum.

Step 4: Timing Is EVERYTHING

I have a good friend whose ex-wife worked as a real estate agent for eight years. When they were still together, I had the unique opportunity of getting some great tips on how to look for an apartment in New York. The most impacting tip she gave me was that timing is everything. New York is unlike any city in the country when it comes to this, in most cities you generally start your apartment search two or sometimes three months before your move out date. In New York the market moves so fast that most landlords want to sign leases immediately after your application is accepted. At the very most, you have a month to search, the best deals generally come out the first week of the month or the third week of the month. Approximately 70% of the listings in the first week of the month are for movers moving on the 15th, 30% are meant for movers moving at the beginning of the next month.

Make sure you secure an apartment at least 1 1/2 week prior to when you want keys! My advice is you only need 5 days (sometimes less) to find an apartment. The first 2 days should be getting to know what’s out there, the 3rd and 4th day should be narrowing down your search and 5th day should be getting your paperwork together & submitting your application. With every rule there are exceptions, if you find an amazing place that is 95% ideal on your 3rd or 2nd day do not hesitate, take it! What is great to you is more then likely great to most apartment hunters. The vacancy rate in Manhattan is usually around 1-2% so there will be always more people looking for apartments then there are availability.

Step 5: Determine What Strategy You Will Use To Find Your “New Home”

This decision can make or break you depending on your situation. There are two ways to go about finding an apartment in New York City, you can do it the easy/expensive way and hire a broker to find you a place or you can do it the hard/affordable way by doing it yourself. I personally have done it both ways and it all depends on what you are looking for and what is your situation. Here are the benefits of both methods:

Benefits of doing it yourself

1) You will save MONEY!!!

-Broker fees are expensive; they range from 1-month rent to 15% of the annual rent. If the broker has an exclusive on the listing, you will likely have to pay 15%

2) You avoid shady money hungry brokers

-Lets face it in every industry there are bad apples and the real estate industry is no exception.

3) You will learn the City

-With all the walking you will be doing you will get to know the city better then you ever have before.

4) You’ll be in better shape when your done

-You will be in better cardiovascular shape because you will be walking a ton! So you better have on some comfortable sneakers.

Benefits of using a Broker

1) Faster and more efficient

-Your apartment search will be less time consuming and more efficient because brokers have access to thousands of listings you will never have access to and can show you a bunch in one shot.

2) Avoid outdated listings

-Websites like Craigslist, Renthop & Apartments.com are flawed and poorly regulated and most of their listings are barely updated. Brokers listings are updated daily because they have direct contact with the landlord

3) Brokers know what a landlord wants

-Each landlord in the city has their own preferences and application requirements. Brokers know what each landlord is looking for in a tenant; this can save you time, heartache and expensive application fees.

4) You will have access to more Apartments

-Approximately 41% of available listings in New York are only accessible through brokers. These types of listings are called “broker protected listings”, the land lord will only take applications represented by a broker.

Step 6: Here Are Some Great Tips

1) Talk to a Doorman

-If you do decide to try doing it yourself talking to doormen is a great way to find an apartment. Doormen not only have info to the building they are working in but to other buildings the landlord may own.

2) More is not always better

-If you do decide to use a broker, more than one broker at a time is not always better. Brokers have almost all the same listings because most listing are open. For example if you call ten brokers and give them your detailed description of what you are looking for there is a distinct possibility you will be shown the same apartments. At the same time you should not limit yourself and work with one broker, you might be missing out, because some brokers have exclusive listings. My advice is, you should only use three brokers and if you find one that you feel is competent and trustworthy, stick with him/her.

3) Use NakedApartments

-This website gives you the ability to not only look for rental listings while discreetly contacting brokers/landlords but you can give them a review if you had a bad or good experience. You can also look at the reviews of other brokers or landlords before you decide to contact them.

4) Don’t be afraid to negotiate a broker fee

-Most brokers would rather negotiate and get the deal done then risk having the next broker showing the apartment and rent it before him/her. Do not get carried away, no broker will take less then a month. Remember if the apartment is an exclusive listing you will have no leverage for negotiations.

The Best Apartments in Dallas – How to Find Them!

How can you make sure that you are getting the best apartment at the best price in the Dallas area? Searching through the three thousand apartment options in Dallas can be a daunting task. In the end, you are likely to waste a lot of time going and visiting numerous communities that do not even have what you are wanting, and at the same time, passing up the best apartments that you weren’t even aware existed.

In searching for the best apartments in Dallas, it’s important to understand the framework of the city. Dallas is a Metroplex, which by definition, means that it is composed of a variety of suburbs that are all linked together to form one composite city. Even though each suburb is unique, it still is considered to be located in the city of Dallas. For instance, if you take just one of the suburbs as an example – Carrollton – when you are mailing a letter to the Carrollton area, it doesn’t matter if you address the envelope “Carrollton, TX” or “Dallas, TX”, because the postal authorities recognize that they are one in the same. So, when we refer to Dallas in this article, we are including all of it’s components…all suburbs that make up the illustrious city.

When individuals are relocating to Dallas and are not very familiar with the city, part of the problem lies in that they do not realize how big the city is, and that it is composed of so many “sub-cities”. They underestimate the number of apartment options that they will face when they arrive and are very surprised to see when they get here that they are facing thousands of rental homes to choose from, in a number of different areas. How can they possibly find the “best” rental choice among so many choices?

Well, before we can answer that question, we must clearly define what is meant by the term “the best apartments”. This phrase will mean something different to different individuals. For one person who is needing something economical but safe, the best apartment to THEM might be a small efficiency one-room apartment that is located close to their work. For another person “the best apartment” might mean something with a beautiful view. For still another, it may be a property that has the most luxury amenities. So, really, the key to finding YOUR best apartment comes down to defining what exactly you are looking for, and where.

Whether you are relocating to Dallas, or you already live here and just want a change, here are the 4 steps to get started in finding the best apartment for you:

FIRST, it is critical that you determine exactly WHERE in the Dallas Metroplex you would like to live. Since Dallas is composed of a mixture of various suburbs, narrow down which area exactly you would want to relocate to. You might decide on an area based on where you work, making sure you are within close proximity. Or perhaps you are more concerned about being located close to a particular school, or a particular family member. You may want to stay within so many miles of these destinations, or within so many minutes drive time. You also may want to research and investigate what each sub-city of Dallas has to offer before you make your choice. In general, the further North you go from the downtown area, the newer and nicer the city of Dallas becomes. Try to avoid the areas South of Downtown Dallas. Here are some of the many options in Dallas to choose from:

Plano – Great destination for families. Located 20 miles North of Downtown Dallas. Great school districts and youth sports leagues. The population now exceeds 250,000. It was recognized as the 8th safest place to live by the FBI’s most recent crime statistics. Plano is also a great place to do business.

Addison – Popular area for those seeking entertainment and nightlife. Addison is located 13 miles north of downtown Dallas and is connected to downtown by the Dallas North Tollway. With more than 150 restaurants, Addison has one of the highest restaurant per capital ratings in the nation. The main Street in Addison (known as Beltline) is also called “restaurant row”, because you can find ANY restaurant that you have ever imagined on this street. Addison is also home to a world class mall called The Galleria. Addison is also known for it’s frequent annual outdoor festivals, such as Oktoberfest, Taste of Addison, and the Shakespeare Festival. In addition to entertainment and nightlife, Addison is also a major hub for leading businesses.

Lewisville – Has an atmosphere similar to a small town, but functions and offers the amenities of a big city. Lewisville is located 20 miles north of downtown Dallas. It’s also only a 10 minute drive to DFW International Airport, the 3rd busiest airport in the world. Shoppers can shop ’till they drop at Vista Ridge Mall, which offers more than a million square feet of retail shopping among 160 specialty retailers. For those who enjoy the outdoor life, Lewisville is known for it’s many golf courses and has close proximity to 2 large lakes, including Lake Lewsiville.

Carrollton – Residents are drawn to the City of Carrollton for its high quality of life, abundant parks, schools and safe neighborhoods. In 2008, MONEY Magazine ranked Carrollton 15th in the country as the Best Place to Live. Carrollton is located 20 miles north of downtown Dallas and just 10 miles away from the DFW International Airport. Entertainment is nearby as Addison is only a few miles South of Carrollton for access to over 150 restaurants and the upscale Galleria Mall, and Lewisville is only a few miles North of Carrollton with access to Lewisville Lake and the Vista Ridge Mall. Carrollton residents enjoy more than 1,200 acres of developed park land, numerous playgrounds, biking trails and tennis courts. Two 18-hole golf courses in Carrollton have been rated among the top municipal golf courses in the state. Carrollton is also a great place to do business with over 5,200 businesses. It was also named recently as Texas’ safest city. The Carrollton School District is “Recognized” and offers a high quality of education.

Irving – entrally located in between Dallas and Fort Worth and directly adjacent to the DFW International Airport, you have access to many areas of the Metroplex, whether you love sports, shopping, art or the outdoors. With a population of around 200,000, Irving is a vibrant city known for its cultural diversity. Irving children enjoy a high quality education. Home to thousands of corporations and the global headquarters of five Fortune-500 companies, you’ll discover gleaming skyscrapers, two spectacular master-planned communities (Las Colinas & Valley Ranch) and the state’s only five-diamond rated resort, the Four Seasons. It is here that you can catch the Byron Nelson Championship.

Uptown Dallas – Located within only 1 or 2 miles from Downtown Dallas, an apartment or loft in Uptown Dallas is your window to a vibrant world filled with a Metro-attitude. From your Uptown Dallas apartment, you can explore the city of Dallas and enjoy comfortable modern urban living. You can define this area as a conglomeration of “contemporary, urban, metro” and “old-world retro charm”. Neighboring stores are filled with eclectic galleries and interesting and unique modernized antiques. From old restored historic buildings turned into modern contemporary lofts and apartments, to the most newly built urban communities, uptown Dallas has everything you are looking for, including a very diverse selection of restaurants on every corner located just outside your front door. Many residents of Uptown Dallas do not even have or use a car. They can access practically everything by just walking around the corner.

Downtown Dallas – it’s been said that the only thing that rivals the restaurant scene in downtown Dallas is the arts scene. The Arts District is the largest urban arts district in the country, stretching 17 square blocks. A downtown Dallas apartment puts you within steps of museums, theaters and other artistic arenas. Not to be outdone, there are an eclectic array of restaurants that rival NYC and shopping for every taste and price point. From contemporary historic lofts that renovate existing spaces to modern newly built luxury resort apartments, your urban living choices dot the landscape and capture the skyline.

Besides the Dallas suburbs mentioned above, you have many others to consider as options such as: Frisco, McKinney, Allen, The Colony, Denton, Arlington, Hurst, Euless, Bedford, Grapevine, Garland, Mesquite, Richardson, and more – all of which are considered to be in the city of Dallas.

SECOND of all, once you have narrowed down the area where you would like to live in Dallas, the next step is to decide what KIND of rental home you would like to live in. Do you prefer a loft? Or a flat? How about a split level (townhome)? A highrise building or a historic building that has been converted to rental units? You may just prefer a regular, but nice apartment community. In addition to deciding what type or types of properties you are willing to consider, also decide how many bedrooms and bathrooms your new apartment needs to offer. Most properties in Dallas have certain occupancy rules that only allow no more than 2 adults per bedroom. So, for example, if you have a family of 4, you would need a 2 bedroom minimum. You may even have in mind a certain amount of squarefeet that you don’t want to go under. The area that you choose will have a bearing on which kind of rental homes are available. For instance, if you want to live in a contemporary loft or an urban highrise or historical building that has been converted, you will likely have to stick to the Downtown and Uptown areas of Dallas. You will not find many of these options anywhere else in Dallas. But the further North you go, the more you will find of nice, newly built 2 and 3 story apartment complexes with individual attached garages, as well as newly built townhome communities.

THIRDLY, now that you have a general idea WHERE you want to live, and WHAT kind and size of apartment you need, the next step is to decide HOW MUCH you are willing to pay. What amount do you not want to go over? Most apartments in Dallas require that you earn approximately 3 times the rental amount. So, for instance, if your income is $3000 a month, then you probably would only qualify for an apartment that is about $1000 a month in rent. Keep these requirements in mind when you are deciding what rent amount you are willing to pay. Apartment communities in Dallas do verify your income as well. You must show evidence, such as paycheck stubs, that you earn 3 times the rent amount. If you are being transferred here to Dallas or you are relocating and starting a brand new job (you wouldn’t have paycheck stubs yet in that case), then you can present a Hire Letter to the apartment community as proof of your income. The Hire Letter should be on Company Letterhead and clearly state what day you will begin your employment and what your income will be. It should be signed and have contact information. The apartments will usually call to verify the letter. If you provide paycheck stubs, they will likely also call your current employer and verify the paycheck stubs.

LASTLY, now that you have in mind a good general idea of what you are looking for, the fourth and most important step in finding YOUR perfect apartment is to call a reputable DALLAS Apartment Locating company to assist you in providing a free custom list of all the properties in the Metroplex that are the closest match to your specific criteria. The first thing they will do is ask you is for a detailed description of where you want to live (which suburbs are you willing to consider), how much you want to pay and can qualify to pay in rent, and what kind/size of property you want. Since you have already narrowed down this information, you will be ready to give it to the Locator and this will make the process much smoother.

Using a good, experienced Apartment Locator who is located in the Dallas area and has an in depth knowledge of all the 3000 rental properties in Dallas, is the quickest and easiest way for you to find the apartments that best match your criteria. They will not only save you a ton of wasted time exploring properties that are NOT a good match for you, but they also will make sure you are informed about the best specials and deals that are being offered in Dallas. Most renters end up saving an average of $500-$600 by using an Apartment Locator. This is because the Locator guides them to all the great deals that they would have otherwise not known about. The list that your Apartment Locator gives you will provide information such as pictures, floor-plans, maps and details for every property in Dallas that they feel represents the BEST matches in the Metroplex for YOU.

Even if you have lived in Dallas your entire life, new properties are being built every day in this ever-expanding city. It is likely that there are options out there you are not even aware of. Take the guesswork and stress out of your Dallas apartment search and let a reputable local Apartment Locating Company help you.

Free Move Apartment Locating Companies – Know the Truth!

We all are attracted to the word “free”, and the idea that we are getting something for nothing. There are many legitimate free offerings available to consumers in a wide variety of settings. For instance, Apartment Locators truly do offer a valuable service to all renters who are searching for an apartment, and the service is completely free to the renter, saving them countless hours driving around visiting thousands of properties, and very probably missing out on the best deals and the best apartments.

However, there are also many companies who use the word “free” to lure in customers, and then they may or may not actually deliver the product or service that they initially promised. They get past this deception by writing so many loopholes into the fine print of their advertisement that they can always excuse their lack of delivery. So caution is always in order when you are trusting any company who promises to give you something important for free.

Moving is a very stressful time for many. Often there are deadlines to be out of your current apartment by a certain time. There are items to sort and boxes to pack, and to pack carefully to avoid anything from being broken. Then there is the careful loading and the careful unloading and the unpacking and placing and sorting. You have to allow time to clean the old apartment before you turn in the keys, and you have to be sure you are stopping by the new apartment during business hours so you can obtain the keys to your new home. You have utilities to disconnect and new utilities to connect. A lot is happening at once, and there always is the concern that perhaps you have forgotten something important. You already arranged your schedule to have the day free for moving. You got all your affairs in order, and now you are just waiting for the moving company to arrive. The LAST thing that you need is a glitch over some small detail in fine print that causes your moving company to not show up and deliver that “free” move that you were counting on and planning for.

That is exactly what happened to a friend of mine very recently. She used one of those apartment locating companies in the Dallas, TX area that supposedly offered a “free” move. I wont mention names here, but it is a well known company. Anyway, she gets home from work and has all of her items packed and ready to go. It’s a Friday evening, and she has had the move scheduled with the movers for weeks. She has to be OUT of her apartment by midnight THAT night. They are suppose to come at 7:00 pm, so there is a bit of a time crunch but that’s the only time the movers had available. They finally show up, take a look at her small 1 bedroom apartment and tell her “The free move only covers 2 hours worth of free moving. It looks like you have more items than we can move in 2 hours” (fine print), and they leave!!!! My friend is panicking. She is a single lady who lives all by herself and has to be out of her apartment in just a few hours. If she lives in a small 1 bedroom and had too many items for them to move, it makes me wonder exactly who they COULD move?? Anyway, my friend calls me at 8:00 desperate and crying. I rally up our other friends and we manage to find a U Haul place that was still open and rent a truck. We all go over and move her that same evening. She got out of her apartment in time, and she got a free move all right, but it wasn’t from the company who promised her the move. She did everything she was suppose to do, wrote their name on the Leasing Application as the Locating Company who referred her to the new apartments, and THEY GOT PAID FOR THE REFERRAL, yet they did NOT deliver the move that they promised.

It turns out that many of these “free move” companies have fine print that limits how long they will give you for the move. And what happens if the move happens to go over that time. Do they just leave? Evidently. Or, if they look over your items and feel the job might take longer than the allowed time, they may not even START the move. Another thing to beware of in the fine print….not only may there be limits to the time they will allow, but they often limit the types of items and the number of items they will move. For instance, if you have a one bedroom, they sometimes have a very specific list of the only items they will move. For example: 1 couch, 1 coffee table, one dining room table, 4 dining chairs, a bed, a dresser, a nightstand, 2 lamps, a few boxes (they often will only agree to move a small number of boxes) and many times that is it!! If you have a 2 bedroom, they may increase the list by adding another bed and dresser. But what if you happen to have an item that is not on their list…..such as a desk, or a curio cabinet, or a piano, or an aquarium, or a chest of drawers or an extra table or a loveseat, or a recliner, or a few more boxes than they allow? Do not be surprised if they leave all items behind that are not on their restrictive list, and you are just stuck figuring out what to do with them yourself. If it’s enough items, or items that are large enough, you may end up having to rent a truck or UHaul anyway, or call friends who can come help you.

Another friend of mine recently told me that something similar happened to him that happened to my first friend. He was using one of those apartment locating companies that offer a “free” move. He said they were calling him every day while he was looking for the apartment, trying hard to convince him to move into one of the few places they had recommended. Each day they called to check if he picked a place yet and if he put their name on the Leasing Application of any apartments yet. Finally he did pick a place, and he did put there name there as the Locator who referred him. After that, an interesting thing happened. He could never get a hold of anyone at the apartment locating company again! Once they found out he picked a place and wrote them down (their check was guaranteed), they never called him after that. They wouldn’t return his calls and he couldn’t find a real live human in the company to speak with in order to schedule his free move. He ended up having to hire another moving company in the end. The “free” move locating company got paid their money and they never delivered the free move.

How are the “free move” locating companies different from all the other Apartment Locating Companies? Well, there are some definite differences that you should be aware of. First of all, let’s establish the fact that most Apartment Locating companies do not need to offer a “free move” to lure in customers. It has been shown that their superb customer service and the expertise they offer will save the average renter $500-$700…..which is much more valuable than the cost of a 2 hour move. Plus, they truly help you find the BEST and most awesome apartment home. Another clear difference is this: Not all of the apartment communities out there will work with the “free move” locating companies. In fact, many of them will not. This is because of a combination of reasons.

For one, some of these “free move” companies do not have the best reputation. Secondly, some of the apartments do not feel that they actually earned the commission that they are wanting the apartments to pay them. Some of those free move companies simply have a website where you log on and search for yourself. They only will show you information on the limited number of properties that will actually work with them and pay them. Once you pick a place, you log on again to the website and tell them which one you picked and then the computer is suppose to schedule the move. Not all of the companies are identical, but this is the procedure for some. A real human is not even actively involved in helping you with your search in many cases. Many of the apartments feel that just putting a website online alone does not merit earning a commission. Anyone can have a website. In fact, the apartments already have their own website. Although there is nothing wrong with a Locating Company having a website (in fact, all of them do), the problem arises when the locator ONLY communicates through their website and are predominantly a dot.com business.

The apartment complexes don’t want to pay a dot.com for setting up a website and then only delivering what they promises part of the time. They want to pay Apartment Locators who have a brick and mortar office, who have actual live Agents who work there and who deal one-on-one with the potential renters, assisting them to find their new rental home with customized, individual lists of apartment information. Many times these Locators even escort their clients to the properties. If the client has a unique situation, the Locator can tell them which properties are most likely to work their their particular circumstances. They know who has the best specials out there, or who has the specific amenities that the renter is seeking. The renter can actually call their Locator and speak to them and ask questions and develop a working relationship.

What is the disadvantage for YOU, the prospective renter, when not all the apartments will work with the “move free” locating companies? The problem arises in that the “move free” companies are only going to recommend to you the particular apartments that happen to work with them. This means that you may not find out about the property who is actually the one that matches exactly what you want and has the best special. They will only display information for the properties who will pay them. When you work with a traditional Apartment Locator who works with ALL the properties in the City, you can be confident that you are getting the whole picture and will honestly be told about all the properties who have the best specials. This is a distinct advantage that real brick and mortar Apartment Locators have over the so-called “free move” locators. Most traditional Apartment Locators work with All the reputable apartment and town-home communities. It doesn’t matter to them which one you pick in the end as long as you are happy, because ALL of them will pay the Locator and work with the Agent. They have no need to try to steer you to one particular property over another. Their job is to recommend who has the best deal and seems to be the best match for you.

So, go with the Locating Company that is going to give you the best long term deal and the home that you will be the most happy with. These type of Companies should have years of experience and contracts with almost ALL the apartment communities in your area of interest. For instance, in the Dallas Fort Worth area of Texas (DFW), there are over 3000 apartment communities. Apartment Locators in this area should have brick and mortar locations with multiple Locators onsite who are all Licensed Real Estate Agents, and familiar with DFW. Listen to these comments made by a local DFW Locator: “I give my cell phone number to each client because I want them to be able to reach me any time they need my assistance. I’ve even had them call me while they were sitting in the chair at the leasing office at one of the apartments I referred them to, to ask me a question. I truly am their advocate, an expert on their side to make finding their new apartment as quick and easy and successful as possible. I work with them all the way through their move and have even assisted many people who were relocating from other states and were not able to come here in person to DFW to see the properties first. They relied on me to be their eyes and ears and select the best property for them and arrange all the paperwork so that their new place was ready and waiting when they arrived.” Try getting THAT kind of service from a “free move” company website.

Instead of opting to go with a “free move” Company that may or may not actually deliver their free move, and may or may not tell you about all of the choices you truly have at your disposal, go with a reputable and experienced live Apartment Locating Company who can save you $500-$600 average on your overall lease by telling you about specials you may not have ever discovered otherwise and give you complete information on all the awesome properties available. For more information, visit: http://www.BestApartmentsDFW.com.

London Apartment – Everything You Need To Know Before Booking A Serviced London Apartment

A few weeks ago a secretary telephoned me in absolute desperation. She was desperately searching for accommodation in central London for some VIPs from abroad. She stumbled onto my website, not really understanding what the service was about. I think the words ‘free service’, ‘apartments’ just helped her to figure out that Quality London Apartments had something to do with accommodation. Apologies for my long opening, but it is a prime example of how little travelers in the UK and Europe know about the serviced apartment industry. After explaining the concept of serviced apartments and helping her find an apartment, I realized that I needed to share this knowledge further afield. Thus, this article is my contribution to open up this elusive industry and offer tips to travelers.

What is a serviced apartment?

A serviced apartment is a flat in a block, which has a separate bedroom, sitting room/lounge, fully equipped kitchen, your own private keys to own door. Serviced apartments can be in the form of a studio flat (all in one room with a kitchenette), one, two or three bedrooms.
All apartments enjoy maid service, utilities and a management team to help….just like a hotel. Guests only pay for a nightly rate and can live in a flat with everything they would have in their own home.

Pros: Serviced London Apartment vs Hotels

  • More value for money and cheaper. In a hotel, no matter which star rating, you pay per night for one room which will have a TV, bathroom, sofa and a bed. This is similar to a studio apartment! In an apartment there is a separate bedroom, kitchen, sitting room, bathroom and dining table (exception is studio)
  • Pay per apartment and not per person. An example would be paying £250 per night for a two bedroom apartment, which could accommodate up to 4 people, that works out at £62.50 per person.
  • Freedom and privacy. An apartment is like being in your own home and there is plenty of space. You have your own keys to your own door.
  • Booking is easy, just like hotels. The majority of apartments require a credit card to guarantee, pre-payment before you arrive and that’s it. No deposits, no tenants’ contracts.

Cons: Serviced London Apartment vs Hotels

  • Apartments lacks the buzz and services of a hotel such as restaurants and Room Service. Albeit some apartments are owned by hotels and offer you the use of their restaurants and other services.
  • No 24-hour service around the clock. The apartments are ran by a small team who work Monday to Friday 9:00am – 6:00pm, so you are on your own during the weekend. There are emergency numbers to call should you suffer an electric cut, but no 24-hours hotel Duty Manager to run to your room.
  • No pool, massages, saunas like hotels

What to look out for when booking a serviced London apartment?

1. Quality of the apartment – make sure you find out if they are clean, well furnished and well maintained. How? Check the photos, and ask if you can book an appointment to view the apartment. This is very important if you are staying over a long period of time.

2. Do they have a friendly and efficient management team? If you need the comfort of a welcoming face to greet you on arrival, then ask for an apartment with a reception. Some apartments provide key boxes, so you can arrive any time, but there is no-one to meet you. A friendly and small team will be able to give you a very personal touch.

3. Opening time of the apartments office – doesn’t sound important? Well it is because the majority of apartments’ operations team open Monday to Friday 9:00am to 6:00pm. If you arrive at your apartment during office open hours, then fine, but any other time and weekends will mean that you will need to pick up the keys from a different location.

4. Key delivery by car at the airport? – If you are flying from abroad to London, and do not fancy traipsing throughout London at night to pick up keys, the majority of apartments will hire a taxi to deliver your keys to the airport upon your arrival. Convenient for a small charge.

5. Payment procedure and cancellation policy – every apartment vary in their guest terms and conditions. All will accept a credit card as a guarantee of reservation, some will ask for 100% pre-payment at least 7 days prior to arrival and cancellation can range from 12:00pm on the day of arrival to 28 days. So, before you confirm the reservation, be very clear about the terms and conditions. Ask your apartment agents to explain the procedure to you and read the terms and conditions on your confirmation emails. It will save you a great deal of trouble and headache later.

6. Apartments are always allocated on arrival. This policy is the same as any hotel, so unless you are a regular guest to a specific apartment, apartments are on allocations. In the same breath, some apartments only have a small number of flats, so if you are reserving the only 3 bedrooms penthouse in their collection, then you are guaranteed that specific apartment.

7. Rates become more competitive the longer you stay. In this, we mean you have more bargaining power if you are staying for one month or longer. This is when your apartment agent can really help you by negotiating with a variety of apartments to get you the best deal.

8. Using an apartment agent will also save you time searching, but most importantly they will work with your budget and negotiate a great deal for you. Of course, you also need to be realistic about what you can book, don’t expect to spend £80 per night for a luxury apartment. For example, one of our clients had £300 budget per night for a two bedroom apartment and he wanted something luxury. For those readers who know London well, also understands that this budget is actually very small. Despite that, we booked him and 3 friends into the Victoria Park Plaza luxury apartment (£150 per night less than the usual price) for £300 per night with free breakfast, gym and access to the executive lounge. Any apartment agent worth their salt can and will move mountains to help you.

What if I don’t like the apartment when I get there?

If you really feel that you have been hard done by, tell the apartment management team and ask to be moved to another apartment. All of the apartments that we work with are very customer focused and try to help guests enjoy their stay. If this does not work, talk to your apartment agent, if that is how you booked. Best advice though, is to ask all the right questions before you book an apartment.

Your appetite for apartments is now whetted – how do you find London apartments?

1. As already explained, you can choose a free search and book service of an apartment agent or go direct to a specific apartment that you know. Both methods are absolutely fine, dependent of your knowledge of London apartments. Using an agent will mean that they will search far across their portfolio and present you with a variety of choices…all within 10-15 minutes. Agents are impartial and will only (good agents anyway) recommend the quality apartments for your needs.

2. You can use search engines like Google, Yahoo and MSN to find apartments. Type in keywords like ‘London serviced apartments’ or ‘quality London apartments’ and so on.

3. Stating the obvious but, ask for a recommendation from friends and acquaintances.

4. Check on Tripadvisor and other customer review websites.

Summary

If you have read this far, then thank you for your time. I have tried to make this article clear and as helpful as possible, but I welcome your comments and any further information that you feel is very important.

Phoenix Real Estate – Is it Time to Move to Phoenix?

Phoenix Arizona continues to be a booming area. In 2009, the U.S. Census Bureau News published statistics showing that Phoenix continues to have substantial growth. Of the larger metropolitan areas (population of 2 million or more), Phoenix grew the most followed by Dallas, Houston and Atlanta.

Why wouldn’t people relocate to Phoenix? Phoenix is a city that boasts over 315 days of sunshine per year on average and has over 200 golf courses. Winters are extremely mild and for most a coat is not needed.

New businesses continue to move to Phoenix making a decent job market (in these tough times). Phoenix has successful professional sports teams such as the Arizona Cardinals, Phoenix Suns and Arizona Diamondbacks, to name a few. Additionally there are terrific cultural events, theater performances and concerts.

Phoenix has several lakes nearby for boating, waterskiing or putting out the waverunner. Lake Pleasant, Apache Lake, and Lake Roosevelt or short drives from the Phoenix area. For the outdoorsman or woman, the pine country of Flagstaff or the Mogollan rim is also just a short drive. There are many hiking trails and camp sites for the weekend warriors.

The Phoenix real estate market continues to slump. When the recession hit, Phoenix was one of the key areas impacted. With the excessive growth in value over the past years, Phoenix home values continue to correct. Homes can be purchased now at a fraction of the price of prior years. It is a great buying opportunity for people looking to relocate to a sunny dry climate.

Apartment Locator VS Apartment Database Search! What's Best For You?

Let’s start with the fact that 80% of all searches start on line, that being said when you do a search on Google or Yahoo for the terms “rental apartments” or “apartments for rent” you are faced with two basic options; apartment locator that offers their free service ether from their internet sites or using classified ad postings and other internet sites that offer the use of an apartment database. Which is the best for you? Well, that depends on what your needs and wants are and whether you like the “do it yourself” apartment hunting or being helped by a professional Apartment locator.

The Apartment Locator: If you are relocating to a new area or a new city, a place you are unfamiliar with, you don’t know the neighborhoods, schools, job centers, transportation, etc, the apartment locator may be your best choice.They respond to your request by phone or email (you decide) to ask you some details about your ideal apartment. You want to give them as much information about your wants and need as far as: budget, date of move part of town and more. The apartment locator is knowledgeable about the area of his local rental market. They will be very helpful in finding you rental property that suits your particular needs, best of all, in most cases this will be a totally free service. The apartment locator is normally paid “finder’s fee” or “referral fee” from the landlord apartment complex or landlord.

The Apartment Database Search: Unlike apartment locators, the typical apartment database offers an extensive choice of apartment listings. You can read the descriptions of apartment communities see maps, amenities, rent ranges, photos of inside and out and in some cases contact information. All this information helps you understand if a particular rental apartment or complex meet your needs and wants. If you like the “Do it yourself” method an apartment database site might be the one for you. Most require a simple registration which asks for name email and date of move. You do not submit your telephone number and you will not be contacted personally by anyone.

Same as apartment locator, most apartment database are free to use, in some cases you are even offered an Apartment Rebate of $100.00 or more if you tell the property you visit and/or lease that you where sent by a specific referring source ( apartment locating database or website). So, which is better for you? The apartment locator or the apartment database?

Phoenix Real Estate Market at Risk of Sudden Slowdown Due to Newly Passed Housing Bill

The Phoenix residential real estate market could see a 10% or greater drop in home sales with the elimination of down payment assistance tied to Federal Housing Administration (FHA) loans, which would have serious repercussions given the market’s already challenging climate.

Nestled in H.R. 3221, or “The Housing & Economic Recovery Act of 2008,” passed into law on July 30th, the Congress and the President set a date of October 1st for the elimination of down payment assistance, a financing option for many home-buyers in the Phoenix real estate market.

Down payment assistance is provided in tandem with a Federal Housing Administration loan whereby home-sellers can contribute monies through an intermediary toward a down payment for home-buyers to purchase a home. The intermediary acts as a pass-through for seller contributions and passes these monies to the buyer as a ‘gift.’ Ameridream Inc. and Nehemiah represent the most visible of these intermediaries and have been involved in several legal challenges with FHA over the down payment assistance option.

But the hard truth is that elimination of these programs may adversely impact the Phoenix housing market and do more harm than good in the short term. This is due to FHA loans and down payment assistance programs’ prominence in the current housing environment. FHA loans haven taken on a hugely important role in the Phoenix residential real estate market. As loan programs disappeared, credit requirements tightened, and down payment requirements rose to 10% or more, FHA loans presented the only option for home buyers to get into properties with 3% or less down payment through the use of DPA. Some estimates are that FHA loans currently represent over 50% of closed residential real estate transactions for the year. As a result, the wholesale removal of down payment assistance programs may have an immediate impact.

If the legislation holds, the market may see two developments. First, there will be heightened activity in the period up to October 1st as affected home buyers seek to lock into homes before they get sidelined and aren’t able to. Second, there will be an appreciable decline in buyer activity and home sales as a result of down payment assistance’s elimination after October 1st. Buyers who could have purchased homes will have to wait or give up their search.

Phoenix could see a 10% or greater decline in an already suffering housing market that potentially moves it away from a market that is recovering to one that is stinging. Taking this one step further, if the impact is similar in other markets across the country, the effect on the broader economy of the United States may be problematic.

The Federal Housing Administration as part of the Department of Housing and Urban Development is staunchly against the use of the programs citing that down payment assistance transactions incur a disproportionate number of foreclosures when compared to loans where the buyer accumulated the down payment. Higher FHA loan defaults raise the costs and risks to FHA. FHA cites that homeowners using these programs are able to buy their homes with effectively no money down and so have no personal stake in the properties themselves. With no personal stake, the buyers may not have the personal financial discipline to keep their commitments or the financial wherewithal to afford the properties in the first place.

Proponents counter that the programs simply allow viable and qualified buyers the ability to own their own homes and that elimination of the program will hurt American families.

Regardless of the side of the debate one is on, the market reality is that wholesale elimination of the down payment assistance option does present a risk to the Phoenix housing market. as it has been an important and prominent enabler for the local housing market. Time will tell if a viable compromise solution is put before the Congress and the President before down payment assistance goes completely away.

Phoenix Real Estate Schools

Travel and home magazines describe Phoenix as a tropical paradise. Financial and investment publications feature articles about the real estate situation in Phoenix and its rich economic vitality. As a result of this demand for property, real estate brokers and agents have a thriving practice. This has motivated many people to seek a career in the real estate business. As in any other field, professionals in the real estate business require specialized education.

Real estate schools coach and train aspiring real estate agents and guide them through the mandatory certification and examination process. These schools also offer their expertise in helping a student acquire real estate licenses.

Real estate schools in Phoenix offer online courses and the duration ranges from a month to a year. Typically, one year of study is required to complete a pre-license course. Completing a pre-license course gives students 63 hours of credit, which is required as a prerequisite for the real estate sales associate license. On completion, a student would have met the educational prerequisite to appear for the Phoenix State Exam. It is not necessary to be a U.S. Citizen or a Phoenix resident to obtain a Phoenix real estate license. The eligibility criterion are that the applicant must be at least 18 years of age, he/she should not have had a real estate license denied within one year or revoked within the two years prior to the application date.

Phoenix real estate schools provide adequate knowledge and support to its students in order to make them masters of the profession. It is advisable to plan the course as per each individual?s requirements and availability of time.

In recent times, many real estate schools have sprung up in Phoenix. Experts advise caution when choosing one for enrollment. Some of these schools are relatively new and do not have sufficient credentials to back their claims. It is believed that many don’t even have a standardized curriculum. Choosing a reputed real estate school with a updated curriculum and practical sessions is critical to becoming a successful real estate professional.

The Concept of Low Cost Apartment in Nepal

Whenever, we see an advertisement in daily newspaper referring to Apartments available in 13 Lakhs to 14 Lakhs, we do not try to understand more about it. People rush to the Apartment office or the site office. I myself was very surprised, when I went to the Mero City Apartment office in Hattiban. The site was packed with visitors cars, as if a wedding reception was going on. Inside the office were around 20 Sales girls. All were busy explaining their apartment features to the customers. In fact, when I asked for the brochure, the number of brochure also had finished. The hall was packed with customers and I could see some bookings were done.

The model apartments and the computer aided 3D movie were in display. People were busy viewing it.

The price range of the Apartment was amazing. The price range of the Mero City Apartment varied from Nrs 1,500,000 for 1 BHK (386.45 sq.ft) to Nrs 4,000,000 for 3 BHK (1013 sq.ft)

Similarly Eastern Apartment by Aayusha Developers a subsidiary of Oriental Builders Pvt. Ltd in Kaushaltar also was a huge attraction for Apartment buyers.

The builders have opened the booking for only 348 of the total 448 apartments. However, they were able to sell 50% of the total booking in just first 5 days. The huge response from the customers surged the developer to call all the 448 units on booking.

Due to the huge demand, the developer requested the interested buyers to fill up an application form along with a cheque of NRs 10,000. The applicant would get the apartment on first come first serve basis.

These are the basic strategies for Developers which was already been implemented by Guna Colony for their sale of their Bhaisepati Apartment. Then, they had opened booking for the Bhaisepati Apartment price starting from 13 Lacks. There was huge respondent to the Apartments in Bhaisepati which was organized in the Real Estate Expo in Bhrikuti Mandap, Kathmandu.

Most of these apartment sizes is ranging from 386.45 sq.ft to 548 sq.ft. The apartment size of 300-500 Sq. ft is very small for a family to live in and are similar to Studio Apartments abroad. These kinds of Apartments can adjust 1/2 people in a family to live in. The Rooms are very tight and no space for adding more luxury items.

The customers must not just make their decision by viewing the 3D Modeled video. The actual room and the customers view before buying the apartment might actually just not match.

Another important factor to decide before making the booking is that the customer must check the background of the Apartment Developers. Normally, we must only trust experienced Apartment Developers. These low cost apartments that are coming up in the market have been raising huge amount of funds from the market for the Proposed Apartment/Housing. The delivery and execution of these apartments is a real challenge and we must wait and see, if they can really develop these projects and their handover to their customer. So far, the construction of any of these low cost apartments has not started yet.

Some established developers claim that the price the low cost apartments are offering is suspicious. Some claim that these low cost apartments are very expensive if one calculates the rate per sq ft. Such small apartment size is not feasible for a family to live in.

The Eastern Apartment is the least expensive with price per sq. ft of Nrs 2,890 followed by The Sun City. The most expensive is the Imperial Court. However the target market for both the apartments is completely different as Imperial Court is a Luxury Condominium.

And when we compare the different apartments, all has different facilities. Some important comparison factors of the facilities for different Apartments are as following:

1. Location of the Apartment
2. Number of Lifts
3. Size of the Balcony
4. Project Land Site Area
5. Size of the swimming pool
6. Open Area
7. Distance from the city
8. Quality of finishing goods and specification
9. Developers profile & Construction company associated

The Apartment buyers must also think in mind the extra facilities the Apartment has. Normally, these apartments will have very poor infrastructures and facilities. They might actually come up with a very small swimming pool & very less open space.

And not to forget is the fact that these low cost apartments come with hidden cost. Mero city Apartment comes with cement flooring. If you want a Parke ting or tiles on the floor, you will have to add all the internal decorative items for the Apartment.

Mero City offers the following features:

* Kitchen: Tiles, Sync

* Flooring: Cemented

* Wall: Distemper

Things you have to add by yourself

1. Mostly, the modular kitchen
2. Bathroom sanitary items
3. Electricity bulbs
4. Flooring Tiles or Parke ting

This will at least cost you Nrs 400,000 to 500,000 for the completion of the Apartment. So the Total cost for the 391 sq.ft Apartment is now Nrs 2,000,000 which actually brings the price per sq.ft for the Apartment to Nrs 5115.

Similar is the case of the Eastern Apartments. The Eastern Apartment comes with no finishing in the bathrooms. The buyers will have to finish the bathroom costs & Tiles which will also cost them minimum extra NRs 400,000 to 500,000 for their flats. This will cost the buyers of Eastern Apartment an average cost per sq ft of Nrs 3,608.

This is actually expensive than some of the other Apartments with better facilities. So the customers must be aware of the concept of the low cost apartment that is coming in the market and not be fooled by the price they are offering. One should always calculate the Rate per sq. ft.

The Apartment Search

When you are apartment hunting, prepare a rental search plan. Be sure to know in advance what you want in an apartment and what you can live without. Decide in advance what areas of the city you could consider living in and make a list of apartment buildings within that perimeter.

Be sure to consider how far and how convenient it will be for you to travel to your job or your school or your family and friends. Also, how far is the apartment from stores, banks, hospitals, Church (if you attend) etc. If you have a car, make sure that there is adequate and convenient parking space 24/7. If you don’t drive make sure that there is close by public transportation.

Narrow your apartment locating to the size of rental unit you need. Studio apartment or one bedroom apartment or 2 BR apartment or more. Are you considering a furnished apartment or do you possible need a short term rental. If you are renting an apartment with a cat, dog, or other pet, you need to find out which apartments allow renting with pets and which do not. And, if they do allow pets, is there an additional security deposit required and if so, how much it is. Do you need an apartment complex with an exercise room or tennis courts or a pool or a recreation room, etc. or do you simply need and desire a nice clean and quiet pad.

Be realistic about what you can afford. Most apartment renting guides suggest that your rent should not be more than 25% to 30% of your income. This can vary depending on the income bracket, but be sure to be “real world” when budgeting additional apartment expenses such as heating and air conditioning and other utilities. If you fall short of affording the apartment of your choice, you might consider sharing an apartment with a roommate or roommates. Keep in mind that living with roommates can help you afford an upscale apartment or even, in some cases, luxury apartments, but it also has extreme restrictions to your privacy.

If you are familiar with the area and its neighborhoods, that gives you a distinct advantage for your apartment search. If, however, you are relocating to a new city or are not particularly knowledgeable about the city, you may want to contact an Apartment Locator or an Apartment Finder.

Once you narrow your search for apartments down to apts which suit your needs and desires you must be well organized & well prepared for your visits to the apartment complexes. When inspecting the rental premises be on the alert for unsafe conditions, excessive noise from traffic or playgrounds or neighbors. Visit the apartment building at night as well as the daytime hours. This will give you a more comprehensive understanding of the total space you will be residing in.

When you find the apartment complex that meets your renting needs and desires, you must be ready to put your “best foot forward” when you meet the apartment’s rental agent. This person may be the apartment building manager or a renting agent for the apts. You should prepare for this apartment renting interview in a professional and intelligent manner. Be advised that you are going to be asked to provide proof that you are a reliable prospective tenant. You are most likely going to need references from previous landlords. You may also be required by the apartments to show that you are gainfully employed and can afford the rent. Many landlords may require a credit report. If you are a first time renter and/or you have limited credit history you may be asked for references from family, friends, employer, professionals, etc. Likewise if you are renting with bad credit you will certainly want to come to the interview with a strong selection of references.

You are not necessarily restricted from apartment renting with less than perfect credit, but you may be required to put up an additional security deposit and possibly have a credit worthy person co-sign the apartment lease with you. Don’t unprepared for by requests for any of these things. Be sure to fill out a 100% truthful apartment rental application and come to the interview with references, proof of employment, credit information and any other renting resources at the ready. If you do have a credit history or renting history that might be detrimental, going through an apartment locator or apartment finder may be the best solution. They will present your history to the landlord for you, (make sure they are 100% truthful about it) and they can also be quite helpful and save you a lot of time because they most likely will know which landlords and apartments are more lenient in these circumstances. They can also advise you as to exactly what kinds of references and documents you might need to prove that you can be a responsible tenant.

You Have Located Your “Dream Apartment”

Once you have located your “dream apartment”, or as close to your perfect apartment as possible, now it is necessary to pay extremely close attention to the particulars of the rental agreement. An Apartment Lease is a contract between you and the landlord. Once agreed upon and signed by the tenant and the landlord, the rental lease creates obligations and restrictions for both parties. The most obvious covenants of the apartment lease are the length of the rental, (Six month lease, one year lease, two year lease, etc.) The amount of the security deposit, when the rent is due, who is responsible for what utilities. Also in that apartment lease, however, are stipulations, (sometimes in small print) that can cover a great variety of landlord and tenant obligations and restrictions. They can include, but are not limited to, the following:

o Maintenance of the apartment

o Care of the premises

o Cleanliness

o Insurance

o Governmental regulations

o Eminent Domain

o Nuisance and noise clauses

o Stipulations as to the circumstances whereby the landlord can enter the premises

o Use of Common Areas

o Keys and locks

o Loss or damage

o Parking

o Pets

o Plumbing

o What the landlord may do if the rent is in arrears

o What the tenant can do to bring the rent current before any kind of action might be started

o Non performance or breach of the contract by the renter

o Renter’s penalties in the event of early termination

o Circumstances which might cause the tenant or the landlord to break the lease prior to the end of the term

o Heat and other utilities

o Removal of goods

o Surrender or Non-Surrender of the premises

o Waivers of various obligations

o Prohibited reprisals

o Garbage disposal

o Recyclables

o And the list goes on and on and on.

Prospective tenants should read an Apartment lease thoroughly. Prospective apartment renters should understand everything that is contained in that lease and make an informed decision to be 100% accepting of all the provisions for both the tenant and the landlord, that you are positive that you can live up to your end of the bargain and that you are comfortable with the provisions on the landlord’s end.

If you do not understand every single clause of that apartment lease then do not sign it until you do understand it. If necessary and if possible, request assistance in interpreting the lease from a trusted source such as a knowledgeable friend or family member or employer or professional, or anyone else who can understand it and explain it to you. If necessary get legal advice. It can cost additional funds if you do not qualify for free legal assistance, but that additional cost might save you a ton of money and save you a ton of heartache and aggravation down the road.

If you do not agree with any of the provisions of that apartment lease and/or you feel that you can’t live up to the tenant’s obligations, or if you are not in agreement with any of the landlord’s rights under the agreement, then do not sign the lease until/or unless it can be changed to your satisfaction. If the apartment rental agreement cannot be amended to meet your needs and desires and comfort level then do not sign the lease and do not rent that apartment. The Apartment Rental agreement that you sign as a prospective tenant will not change once you become the actual tenant of that apartment.

With the Current Stock Market Malaise, Investment in Phoenix Real Estate Makes Even More Sense

The Phoenix residential real estate market represents a great opportunity to individuals, families, and investors who are weary about the stock market and are realizing that their investment portfolios are too exposed to fluctuations in Wall Street. By now, the reality has sunk in with most people – the stock market’s decline has hit 401K and other retirement investments hard. As a result, this is a critical time to for individuals, families, and investors to rethink diversification of their portfolios again. Portfolios need to be more highly diversified than ever before.

And it’s time to rethink real estate as one component of your diversification in the future in addition to stocks, bonds, commodities, international investment, and low-risk savings instruments, to name a few.

Wall Street, Main Street, and My Street, and Real Estate

There is no doubt that the goings-on in the real estate industry are intermingled with the market challenges that Wall Street is facing, which in turn impacts Main Street and “My Street.” But the issues with real estate largely emanated from the many corporations that make up Wall Street combined with lack of government oversight and inaction. Lack of personal discretion also contributed to the problem.

Having said that, here is why real estate should be a component in your investment portfolio once again, and why the Phoenix real estate market is an excellent choice for investment to help you diversify that portfolio.

First, due to the wave of foreclosure-related properties, prices have declined to 2004 and even 2003 pricing levels. This is pricing that is pre-run up. Though there is a risk that prices may drop further, the extent of a further decline may be limited in the short term while the long term outlook gradually gets stronger.

Second, real estate can prove to be a more reliable investment in a normal market environment. Prior to the run-up in home valuations in the second half of 2004 through 2005, annual home appreciation in the Phoenix residential real estate market averaged 5%-6% . Playing the long game as investors should, holding a property for 5-20 years could yield a solid return.

Long term is key here. The investor has to be committed to a lower but steady return on their investment when it comes to real estate. The Phoenix housing market will not likely experience a meteoric rise in valuations like it did again. That’s not to say that there won’t be some opportunities to turn properties fast (whether through acquisition at a foreclosure auction or wholesale, or a flip), but this model will have the high risk that most investors will and should shy away from.

One note here. At least in the Phoenix area, investors have to weigh the merits of investments in homes and real estate by several components to get a true picture of the return on a property. These factors are growth in appreciation, rental income and offsets, tax benefits, and equity paydown and buildup.

Third, real estate is real. You can see it. You can touch it. You can check up on it (if you buy locally). And it will always hold some intrinsic value no matter what happens. If you have a home in Chandler, it is easy to get across the Phoenix area, to check up on an investment property in Glendale. Or, perhaps the investment property you choose is right next door to your home in Tempe.

Fourth, under certain circumstances, real estate taxation on capital gains growth can be minimal. The same cannot be said of many other investment vehicles.

Fifth, an investor has much more control in determining the value of the property. Smart improvements and renovations combined with effective property management can increase the value of the property substantially.

Sixth, the Phoenix area continues to grow. The Valley saw a 2.8% increase in the number of residents here last year. This trend will continue as Phoenix and surrounding areas are perceived as a stable, optimum climate to live and to work. With the decline in real estate prices, this perception will also be reinforced by a sense that Phoenix and surrounding areas are once again affordable.

Finally, real estate can serve a dual investment/personal objective. For instance, an investment in real estate can serve as a later gift for children. Or, it can be utilized as a sort of savings plan for children’s college tuition as a complement to 529s and Coverdell plans. The investment could be a retirement property for later in life. Real estate investments can also be used to create income streams to live off of (when rents and equity buildup eventually turn the property cash-flow positive).

There are numerous reasons to invest in real estate even beyond this list.

Real Estate Has A Role to Play in Your Investment Portfolio

The difficult truth about the stock market is that over the past eight years, the U.S. economy has seen two major disruptions or recessions that were severe enough to have rippling effects for all Americans as seen by the decline in 401K and other retirement savings values. As a result, further diversification of investment portfolios is needed across many different asset classes with a regional focus as well.

Real estate should be one of those classes. Given real estate has seen real substantial pricing declines over the last three years to levels seen before the run-up period, one has to consider that there are real deals in the marketplace for real estate. Coupled with the right long-term outlook and commitment to investment fundamentals, real estate can have a more effectual, countervailing purpose in investment portfolios that can help Americans better weather substantial market disruptions in the future. For investors looking for specific markets that may be worthwhile to investigate, real estate in the Phoenix area is a compelling choice.

Landscaping Options For Owners Of Phoenix Real Estate

You have used the services of a Phoenix realtor to help you find Phoenix homes for sale, and now you have moved into your new dream home. There are several items to take care of when you first move into a new home, such as setting up accounts with your local utilities and telephone services. You will spend some time and money decorating and furnishing your lovely new space. But once you have the basics of day-to-day living all worked out, chances are your attention will turn to the exterior of your home. One area that many home buyers work on right away is the landscaping that is in place around their homes. There are several landscaping options for owners of Phoenix real estate that are not only beautiful but can also offer low-water use and low maintenance.

Phoenix is in one of the hottest gardening zones in the nation, and is classified as zone 10 by the United States Department of Agriculture Plant Hardiness Zone Map. The USDA zone system is based on the minimum temperature of an area; in this case, temperatures normally go no lower than 30 to 40 degrees in the winter months. This makes for many great horticultural opportunities, because a lot of different plants will grow in such a warm climate, but it also comes with some drawbacks, namely that the area is quite dry. The trick is to find gorgeous plants that thrive in arid and warm conditions.

You will never go wrong with choosing plants for your landscape that are native plants to your area. They thrive naturally in the environment offered, without a lot of extra care and fuss by the home owner.

Xeriscape gardening is quite popular in Phoenix as well. This is a method of landscaping that focuses on choosing plants that are drought tolerant yet still look beautiful.

You will also want to consider that gardening on a city lot is a different endeavor than gardening on a several-acre large property. Plants in an urban setting need to be compact, and trees in particular need to be sized according to the space you have available. Because you have a limited amount of room in which to work, they also need to provide multi-seasonal interest in order to keep the landscape looking attractive all year round.

You might choose to attract native birds and insects to your landscape, and possibly even use your landscape plants to provide a small sanctuary for them. Your choices of plants will focus on plants that not only look great, but also provide food for the many birds, such as hummingbirds, and beneficial insects that help control the pests in your landscape.

Renting A Chicago Apartment

Illinois’ capital city and the largest city in the state, Chicago is a very well known city in the US and the world. A prominent economical hub of the Midwestern region in US, it houses the world’s second busiest airport, Chicago O’Hare. It also is home to some of the biggest corporations like Baxter International, Abbot Laboratories, etc. Financial institutions flourish in this part of the world with the presence of the very famous ones like Federal Reserve Back of Chicago, Chicago Stock Exchange, etc. With such a strong economy, it attracts a lot of relocations from various parts of the world giving rise to a flourishing real estate market.

People coming into the city typically look for a good place to leave and most likely will chose apartments that have all the basic amenities to lead a comfortable life. Most of the Chicago apartments offer all kinds of latest amenities that one can possible ask for at reasonable monthly rents.

If you are looking for Chicago apartments, then it is ideal for you to search on the Internet because you will come across numerous options that perfectly fit your budget. Chicago apartments offer all the latest amenities that you can expect from modern state of the art condos and villas. However, it is better to choose a studio apartment in some of the best areas across the city because of transportation and easy accessibility.

Chicago, Illinois apartments are quite reasonable in terms of rent, if you compare with the tons of features they offer. You can choose N. Wolcott Southeast studio apartment for which you will only have to pay around $815.00 per month. This studio apartment provides free cooking gas and you will have to pay security deposit for half month. It has 2-1/2 large studio rooms along with hardwood flooring, high ceilings, bay windows and big closets. It is close to Winnemac Park and has close by train stations. This apartment has all the latest amenities such as intercom security, digital cable, storage lockers, playground, full time janitor, ownership and management facilities, excellent public transportation, close to restaurants and shopping malls, parking zone, etc. This apartment is one of the best among the Chicago, Illinois apartments.

Three bedroom large apartments in Chicago will cost you little more than the previous one. The rent of these apartments can be anywhere around $895.00 per month. You can check out 4623 N. Lincoln apartment with square-one bedroom having hardwood floors and tall windows. This apartment is situated close to restaurants, train stops, Welles Park. This apartment is located right in the heart of Lincoln Square having spacious 3 room one bedroom along with kitchen, dining room and excellent storage facility. These 3 room one bedroom apartments in Chicago has all the latest amenities like the studio apartments except these are more spacious.

If you are willing to spend more than the studio apartments and 3 room one bedroom apartments, then extra-large one bedroom apartments in 4239 N. Hermitage can be ideal for you. These types of Chicago apartments for rent will cost you around $1295.00 per month. This apartment is more like a gorgeous castle having huge one bedroom, formal dining room, huge walk-in closet and brand new kitchen counter top. It is situated near to Cubs Park.

You can also opt for a studio apartment in W. Winnemac, which is a ready to move in apartment. It will cost you around $785.00 per month, which is very close to Winnemac Park. One bedroom apartments like the one in W. Belle Plaine is one of the most desirable apartments to live, which is situated nearby Kedzie Avenue Brown Line train station. It is can cost you anywhere around $835.00 per month. These Chicago apartments for rent have all the modern facilities that one can possibly ask for.

What Do Apartments in Dallas Check For When They Run Your Application?

Apartments in each state and, even in each city within the same state, have their own different qualification procedures when reviewing the application of a potential new renter. Take the state of Texas as an example. The largest metropolitan areas in this state with the highest concentration of apartment communities are Dallas, San Antonio and Houston. There are thousands of various apartment complexes in each of these cities. You would think they would have the same requirements for approval when running an Application for a new renter since they are all located within the same state of Texas. However, Dallas has very unique requirements that are different from Houston and San Antonio as well as different from other cities and other states.

Apartments in the illustrious city of Dallas check four (4) major areas in order to approve your Application: criminal background, income/job, rental history, and credit. It is the combination of these specific 4 areas that make Dallas requirements unique as a city, as well as how lenient or strict they are within each of the 4 areas.

For instance, In Houston, located only 239 miles away from Dallas, there are some apartments that consider your debt and your debt to income ratios as well as Social Security fraud history, when checking your Application. These are items that are never checked by Dallas apartments when they run your Application. Also, Dallas is more lenient than Houston when doing a criminal background check when it comes to fraud and financial crimes. Several apartments in Dallas will still work with you if you have a misdemeanor or felony in those categories, whereas in Houston these two areas are almost always causes for denial of your application.

As another example of how unique Dallas qualification requirements are, consider how Dallas differs from another major city, San Antonio. In the city of Dallas, apartments do not check how long you have worked at a particular job. The length of your employment history is not a consideration. As long as you HAVE employment and income that can be verified, most apartments will approve your application. In fact, you can have a brand new job, or even be transferring here to Dallas from another location, and all you need is a “Hire Letter” from the new employee showing your start date and your rate of pay. This is different from San Antonio. Most apartments in San Antonio want to see at least 6 months of employment history.

So, as you can see, Dallas has unique requirements that they check for when running an apartment application. Here are the specific requirements that Dallas apartments look for in more detail:

1. The first area that the best Apartments in Dallas check is your income qualifications. They almost always require that you earn three (3) times whatever your rent amount is. Other cities and states may require that you earn 2.5 times, or even 3.5 times the rent amount, but almost all properties across the board in Dallas check to see that you earn 3 times minimum. For example, if your rent is $1000, they want to see proof that you earn at least $3000 a month. You can provide this proof of income in the form of paycheck stubs. If you are self employed, you can provide bank statements and the most recent year’s tax statements. If you are new moving into the Dallas area and have been transferred from your job, or you are just starting a brand new job, you can provide a letter from your employer on company letterhead from the HR department or the hiring manager. The letter should state that you are being relocated and what your income will be.

Many cities, such as Houston and San Antonio, check to see how long you have worked for a particular employer, and therefore will not accept a “New Hire Letter”. Dallas does not do this. As long as you have the Hire Letter, you can be accepted with a brand new job. More than likely, however, the new apartments will call the company and ask for verbal verification of the letter, and it must be signed by someone with authority, such as the Hiring Manager. They may or may not ask for the letter to be notarized.

What kind of income will the Dallas apartments consider? In addition to income from a business you own or from employment, you can also include funds that you receive as child support, disability, retirement, investments, etc. Any and all income that is legal and is provable will be considered.

What if you are retired and do not have income? Some areas would require you to move to a retirement community or senior facility. But most apartments in Dallas are flexible in this regard. They will just require a copy of your bank statements to verify that you have enough funds to cover the cost of the rent for each month of the lease. For example, if your rent is $1000 a month, and you sign a 12 month lease, they will check to see if you at least have $12,000 in savings. They will also consider any Social Security money that you receive as monthly income. And if all else fails, they will accept a co-signer. Because Dallas is flexible in working with retired individuals, many enjoy the freedom and dignity of renting their own apartment without having to move into a retirement home for seniors. Perhaps this is one of the reasons that Money Magazine voted Dallas as one of the best places to retire in 2006 and 2007.

2. The second area that the best apartments in Dallas always check is your past rental history. They want to know if you have ever broken a lease or been evicted. They will check with the current apartments you are living in now, even if they are in another state, to verify that you are leaving on good terms. It may be tempting to try to “stretch the truth” and hide the fact that you owe past apartments money, but resist the urge. The credit check that they pull on you will reveal any debts that you owe to past properties. In Dallas, any past debts to properties that are still unpaid, even if they are many years ago, will mean an automatic denial if it shows up on your credit. The Manager does not have control over making the final decision in this regard. This is because most apartments in Dallas are managed by large Property Management Companies who make all the corporate decisions for their properties. They set the rules, and the rule is always to check for any property debts and automatically deny an application if such a debt appears. Other cities with a higher percentage of privately owned small apartment communities, such as San Antonio or Houston, may be more flexible in this regard since they maintain more control over who they accept or deny and the Manager may be allowed to make the final ruling.

What can you do if you do owe a past apartment community and you are searching for an apartment in the Dallas area? Well, it all depends upon whether or not it shows up on your credit report. If you aren’t sure if it shows up on your credit, you might first pull your own free credit report and look to see if it is there. Make sure to pull the credit from all three reporting agencies since you aren’t sure which one the apartments will use. If the incident is mentioned nowhere on your credit, then you may choose not to bring up the past, especially if you have had good rental history SINCE that occurrence. If it does show up on your credit, then you will not get approved at any apartment complex in Dallas. Your only option is to go back to that prior property that you owe funds to and pay them off. Be sure to receive a receipt or letter that shows your debt is paid in full so you can present this letter to the new Dallas apartments. Even with the receipt or letter, not every property in Dallas will work with you. A skilled Dallas Apartment Locator will be of great assistance in guiding you to the properties that are a little more lenient in this regard.

3. The third area that the Dallas Best Apartments check is your credit. As we mentioned above, they are mainly looking to see if you owe any past apartments money. However, Dallas is unique because they also will check to see if you owe past utility bills, mainly the electric company. The reason they check this is because you will not be able to turn on your electricity at the new apartment if you still owe the utility company money. So you will have to pay off any debts to the electric company prior to filling out the apartment application. In fact, some Dallas apartments even require you to call the power company and schedule the date for them to turn on the electricity to your new apartment, and get a confirmation number to prove it is scheduled, before they will give the final approval to your Application. Apartments in other cities are not as strict in this area as Dallas.

Another item they will look for on your credit, besides just past apartment debts and utility debts are housing debts. Perhaps you use to own your own home, and now you are moving into an apartment. The apartments will check to see your payment history with the mortgage company and will look for property debts and foreclosures. If a foreclosure shows up, then they may not be able to work with you. It depends on how many years ago the incident happened. An Apartment Locator familiar with Dallas apartments will be in the best position to assist you.

4. The last area that apartments in Dallas always check is your criminal background. Although most cities and states run background checks on applicants, each city is different in how they react to the findings. Dallas apartments run a background check that goes back indefinitely. It will show any past misdemeanors or felonies that you have ever received in your entire life. It doesn’t matter if the occurrence happened 30 years ago. It will still show up. Most apartments in Dallas automatically will decline your application if any felony shows up. However, they can be flexible in a few areas where other cities are not.

For example, if the felony or misdemeanor is for something that does not involve harm to another human and does not involve theft, approximately 10% of the Dallas apartments will work with you. Some examples of misdemeanors or felonies that SOME properties may be more flexible with are: check writing fraud, drinking while driving, possession of marijuana, etc. Other cities are not flexible enough to consider any exceptions and will deny an application for any crime, regardless of its nature.

If you have a non-violent glitch on your background criminal record, you need a qualified Apartment Locator in Dallas who has knowledge of second chance properties to assist you in finding the 10% who might work with your situation. If your particular offense is not one that any apartment property in Dallas will accept, then the Locator will let you know. In that case, your best bet is to find a privately owned house that is for rent by the owner. These can be found in the newspaper. Do not apply for a rent house that is represented by a Real Estate Agent, or they will have the same background check that the apartments have, and you will run into the same problem. Only rent houses that are for lease by the owner offer more flexibility.

Money Saving Solutions For Living in Apartments

Only Visit Cheap Ottawa Apartments

Although this article is about saving money while you’re already living in an apartment, this tip is important enough that it still belongs here. You shouldn’t rent an apartment you can’t afford! Live below your means.

When you’re beginning your apartment search, create a budget, find a maximum amount you’re willing to pay in apartment rent, and don’t go over that amount – no matter what! You can visit apartments that are a bit over your budgeted number, but only if you think you can negotiate down to under whatever maximum you’ve set. And if you do visit the apartment but you can’t negotiate down, nix the apartment from you’re list.

Pay Yourself First

You might have heard this saying before. This tip can be applied to any one looking to save money. Whenever you get a paycheck, pay yourself first. Before you buy clothes, before you pay your apartment rent, put a little away in a savings account or an investment where you’ll never look at it or touch it.

The saying comes from the book, The Richest Man in Babylon. The book recommends putting away at least 10% of your total earnings. After you do that, and after you do things like pay off your apartment rent, you can do whatever you want with your money, guilt free!

Do It Yourself

One of the advantages of an apartment is that if there’s ever a problem with the apartment itself, or the appliances that came in the apartment, you can ask the landlord to fix it (assuming you’re renting an apartment from a reputable apartment rental company. However, for all the other stuff (your computer, your furniture, etc.) you’ll have to pay someone to fix it, or learn to do it yourself; same goes for decorating. Learning a few trade skills can save you a lot of money while you live in your apartment. They’ll also help if you make the switch from renting Ottawa apartments to owning an Ottawa home!

Make Use of Your Apartment Kitchen

It’s easy to spend a lot of money eating out. But if you cook at home, in your apartment, you’ll save lots of money very easily. The more you cook, and the more you shop for groceries, the easier it’ll be to know which foods are cost-effective, and which ones are a bit too expensive for your “taste.” Most apartments come with basic apartment appliances like a fridge and a stove.

Don’t Leave Things On

If you pay for utilities, you should be extra vigilant about letting anything run longer than necessary. Don’t leave a light on if you’re not in the room. Don’t let your computer “sleep” overnight – turn it off! If you pay for water, don’t take extra long showers.

Here are 12 more tips to lower your apartment electric bill.

In apartments it can get pretty cold during the winter. If you don’t want to blast your heat up, then you should close your apartment windows, and make sure they’re not letting cold air in. Tape can fix this, and heavy curtains can also help. As well, make sure your radiator isn’t covered up by furniture.

Use the Library

If you’re in any apartments near Universities or other schools, you likely have access to a library. Use it! Besides, how much space do you really have in your apartment for more books or DVDs? Speaking of which, many libraries offer DVD rentals, and you should check out the selection at whichever library is nearest to your apartment.

Here are the public library locations; their main library is near downtown apartments. But as you’ll see on the map, there’s almost always an ibrary near you – and that’s not even counting the student libraries around.

Apartment Locator VS Apartment Database Search! What's Best For You?

Let’s start with the fact that 80% of all searches start on line, that being said when you do a search on Google or Yahoo for the terms “rental apartments” or “apartments for rent” you are faced with two basic options; apartment locator that offers their free service ether from their internet sites or using classified ad postings and other internet sites that offer the use of an apartment database. Which is the best for you? Well, that depends on what your needs and wants are and whether you like the “do it yourself” apartment hunting or being helped by a professional Apartment locator.

The Apartment Locator: If you are relocating to a new area or a new city, a place you are unfamiliar with, you don’t know the neighborhoods, schools, job centers, transportation, etc, the apartment locator may be your best choice.They respond to your request by phone or email (you decide) to ask you some details about your ideal apartment. You want to give them as much information about your wants and need as far as: budget, date of move part of town and more. The apartment locator is knowledgeable about the area of his local rental market. They will be very helpful in finding you rental property that suits your particular needs, best of all, in most cases this will be a totally free service. The apartment locator is normally paid “finder’s fee” or “referral fee” from the landlord apartment complex or landlord.

The Apartment Database Search: Unlike apartment locators, the typical apartment database offers an extensive choice of apartment listings. You can read the descriptions of apartment communities see maps, amenities, rent ranges, photos of inside and out and in some cases contact information. All this information helps you understand if a particular rental apartment or complex meet your needs and wants. If you like the “Do it yourself” method an apartment database site might be the one for you. Most require a simple registration which asks for name email and date of move. You do not submit your telephone number and you will not be contacted personally by anyone.

Same as apartment locator, most apartment database are free to use, in some cases you are even offered an Apartment Rebate of $100.00 or more if you tell the property you visit and/or lease that you where sent by a specific referring source ( apartment locating database or website). So, which is better for you? The apartment locator or the apartment database?

Water And Phoenix Real Estate

If you really know your American history (and/or have ever read the book or seen the PBS documentary Cadillac Desert) you understand full well that settlement of the West and water issues are inextricably bound particularly in desert areas like Phoenix.

The fact is that without water, there would be no Phoenix AZ real estate – nor the city of Phoenix proper, for that matter. Fortunately, the Gila River is nearby, as well as a number of creeks and reservoirs. Over 1300 years ago, these enabled the Hohokam People to grow crops on the exceptionally fertile land. Almost a century before the time of King Charlemagne, the Hohokam created a highly developed civilization in the Valley of the Sun that endured for seven centuries. Their systems of irrigation canals formed the basis of the modern metro area’s water systems today.

Those of you planning to invest in Phoenix real estate or settle down in the area will do well to remember however that Maricopa County is a desert. Water is a precious resource, and in order to maintain the quality of life we enjoy in this area, it is important to practice water conservation.

Many Phoenix homes are landscaped using the native vegetation within attractively designed rock gardens. While a home with a traditional lawn may appear to have greater value, the cost – both financially and ecologically – of maintaining a lawn will be high and not a particularly wise use of resources.

It’s also popular to have private swimming pools in climates such as we have here in the Phoenix area. Aside from tremendous drain on local water resources, your Phoenix real estate agent will advise you that a swimming pool, while lifting your property’s value, represents a considerable investment in terms of maintenance and a potential liability as well. The possibility of someone being injured or drowned in your swimming pool is something that home insurers take into consideration when determining risk and potential liability.

In general, when planning to settle down in Maricopa County, it’s good to consider living in harmony with the environment rather than attempting to adapt it to your own tastes. Choose a home with environmentally-friendly, less water intensive landscaping. Make sure your home has low-flow toilets and shower heads – then learn all you can about water conservation. The Arizona Department of Water Resources at azwater is a good place to start learning about the latter topic.

Five Reasons to Invest in Phoenix Real Estate

If you are a real estate investor, then you understand how important it is to have a knowledgeable Phoenix realty in your corner, helping to find the right properties at the right prices for you.; Phoenix realtors are eager to share with you five reasons why it makes sense to invest in Phoenix AZ real estate.

Phoenix is a popular spot for “snowbirds,” or retirees who come to live in the area during its notably warm and pleasant winter months.; Many of these retirees are looking to permanently move to Phoenix, and would be interested in the properties you have to offer.

Another reason why Phoenix real estate is a smart investment is that the population here is growing rapidly as the economy diversifies.; You will find people moving here because of the great job opportunities in government, the research being done at Arizona State University, and the many high-tech and telecom companies that have moved to the area.;

Investors focus on Phoenix real estate because the geography and natural habitats draw many people to live in Phoenix due to its proximity to several beautiful parks.; Places like Boyce Thompson Arboretum State Park with its botanical collection, the famed Desert Botanical Garden in Papago Park in Phoenix, the 16,500 acre South Mountain Park and others draw new residents to Phoenix on a regular basis.

Sports fans use their love of their favorite games as an important reason for moving to Phoenix, and this brings more home buyers to the area.; Phoenix is proud to be called home for the Cardinals football team, the Diamondbacks major league baseball team, the Phoenix Suns NBA and the Phoenix Mercury Women’s NBA teams, as well as the Phoenix Coyotes ice hockey and Arizona Sting lacrosse teams.; Major league baseball teams, nine in number, also conduct spring training in Phoenix, and this is another draw that brings sports enthusiasts to the area to buy homes.

Golfers from around the world come to Phoenix to golf during its 320 days per year of sun, and many dream of buying Phoenix real estate so that they can enjoy golfing here on a permanent basis.; You will find famous courses such as the Arizona Biltmore-Adobe Course, The Legend at Arrowhead Golf Resort designed by Arnold Palmer, and the Superstition Springs Golf Club that has been a PGA Tour qualifying site are big reasons why golfing enthusiasts move to Phoenix.

Why Phoenix Real Estate is a Good Choice

For those who are relocating to Phoenix, Arizona or current residents who may be looking for a new home, the best choice is to use a reputable Phoenix real estate agency to help you find one of the Phoenix homes for sale. Attempting to locate Phoenix homes for sale without using a Phoenix real estate agency can be a frustrating and lengthy process because of all the Phoenix homes that are available on the market at any given time. One of the best reasons to contract with a Phoenix real estate agency is to make it easy for buyers to find Phoenix AZ real estate and for sellers to connect with buyers who are looking for real estate in Phoenix, Arizona.

Although it is possible to find some properties that are available directly from the sellers, most Phoenix real estate is listed with an agency in order to make the process flow smoother and to allow buyers to have access to a larger network of Phoenix homes for sale. Working with a Phoenix, Arizona real estate agent can help a seller with presenting his home to the largest community of buyers. Although newspaper advertising may work for some things a person sells, it is much more practical to sell your home through a realtor.

For the seller utilizing the services of a Phoenix, Arizona real estate agency means he does not have to do any advertising, be responsible for showing the home, or negotiating the price of the home. In fact, most real estate agencies prefer the seller to leave the home when they are selling in order to prevent the seller from providing any negative feedback to the potential buyer. Leaving everything up to a Phoenix real estate agency takes the responsibility of presenting the property from the seller to the real estate agent who is more experienced in how to secure the sale of Phoenix homes.

One of the most important things is for a buyer to work with his own Phoenix real estate instead of using the services of the listing agent. This protects the buyer because the listing agent is working in the best interest of the seller rather than the buyer. It is essential for the buyer to have someone who does not have a vested interest in the seller and therefore will work with a buyer to help him or her find the property they want. Realtors work from both the seller’s and the buyer’s angle which is why it is essential for a buyer to secure his own real estate agent and settlement attorney. Buying a home is the biggest investment you will make, and you want to be sure the transaction proceeds smoothly and there are no problems that may develop after the sale is closed.

Crate and Barrel Outlet – Contemporary Home Furniture and Accessories for Modern Living

Crate and Barrel is a home furniture and accessories shop that offers good quality at a reasonable price. You will always find something perfect and useful for your home. You may not easily chance upon an actual Crate and Barrel store but you can always check their website for your online shopping convenience.

Gordon and Carole Segal started crate and Barrel during the ’60s. Its concept was inspired by their European honeymoon. They noticed that majority of the home improvement stores in Europe has functional and durable products. Furniture and accessories are also contemporary and very appealing. Since then, they decided to start their own shop that will offer functional and aesthetically appealing products to young couples.

The first Crate and Barrel outlet was opened in Wells Street, Chicago. They leased an abandoned factory and started their own business. Their products are imported directly from Europe. Its first product line includes French copper pots, bistro dinnerware, and ceramic accessories that they have bought throughout their travel.

One interesting idea of their first outlet is that merchandise is displayed on top of crates and barrels that were used during its shipping. This emphasized one of their strongest points against competitors – their products are direct imports.

Crate and Barrel products are now available in over 170 stores across the US. They also ventured in the international market and had their stores in Toronto and Calgary, Canada. There are also plans of setting up a store in Dubai.

Though they started originally in European house ware, you can also find other styles in their items. You can have Mexican, Thai, and Indian-inspired designs among their broad product line. Their products are often contemporary and have exciting colors. You will find that their furniture and accessories will fit in your house because of its physical appeal and functional use.

Crate and Barrel outlet offers everything that you will need in transforming your house into a home. They offer both indoor and outdoor furniture. You can choose from different styles of living room, dining room, and bedroom sets. You also have different options for your porch and garden. There are umbrellas, bistro sets, and other outdoor furniture to suit your preferences.

Majority of their small appliances are related to food and drinks. There are mixers, waffle makers, and food processors. They also offer oil and drink mixes.

For decorative items, you can find numerous candles, holders, frames, and mirrors. Kitchen goods and bath accessories are also aplenty. There are pots, pans, bake ware, and bowls. Bath accessories like shower curtains, linens, and mats may change its colors and patterns seasonally. You may want to watch out for mark down sales whenever they clear out for the next season.

Online shopping is also one of the strong points of Crate and Barrel. It will offer you with promos and convenient shopping experience. You can create a registry when you purchase online to avail discounts. Shipping and packaging normally takes one week so you need to order ahead of time if you are planning for a big event or a major redecoration in your house.

Home Loans to Get the Best of Your Property

At least once in life everyone thinks about moving. Either to a bigger home if the family is growing; or to a smaller one, if the kids are leaving and the actual home is going to be too big for you. Whatever your reason may be, selling a house is always an opportunity.

Home loans, if well used may help you to make a good deal from your property’s sell. There are many suitable options, depending on your situation and what you are looking for. Even with bad credit, and also if you are still repaying your home mortgage.

Types Of Home Loans

There are many options to be evaluated within home loans, you should start evaluating first what is that you want to do. If you want to switch to a bigger home, to a smaller one, and how would you like to invest the extra benefit obtained from the selling, if any.

There are two important home loan categories that you should look at when thinking about moving. Those are, home purchasing loans and home improvement loans.

Home improvement loans point to, as their name says, improve your current home. Either if there are any reparations to be done, or if you would like to make your home look better before selling it, these kinds of loans may be a good help. If you do the right modifications, your home value could be increased by the time you find a buyer. Financial companies will also approve loans for landscape improvements, such as constructing a swimming pool, if that is favorable to increase the property’s value.

Home purchasing loans, in the other hand, are meant to help you on your new home’s purchasing.

Different Options

You will find a wide range of loans within both, home improvement and home purchasing loans.

Home purchasing loans will vary according to what do you intend to do. In example, if you had purchased your actual home whit a home loan which you are still repaying, and the home you are willing to move to will also need extra finance, you could get a home conversion loan. These kinds of loans, place your actual loan into the new home, including the extra amount you need. If you do not have any previous home loan, you can have a mortgage loan or a home equity loan, just over the extra amount you need to buy your new home.

You will also find many options on home improvement loans, the most common are unsecured personal loans for home improvements, home mortgage refinancing, first mortgage loans and second loans.

Unsecured personal loans may be a little more expensive than secured loans since they represent more risk for the lender, but you will not need to have equity in your property or any other collateral to apply. Credit score may be a limitation for the borrowed amount, but you are still eligible even if you have bad credit.

Home mortgage refinancing and first mortgage loans, are good options to evaluate if you have purchased your home with a mortgage loan. First mortgage loans are offered by your current lender, to finance your home improvements over your existent mortgage. With home mortgage refinancing your actual mortgage loan will be refinanced. You will not be borrowing more money, but refinancing will lower your home mortgage monthly payments leaving you extra money to invest on improving your home.

Second loans are suitable if you have an equity in your property to justify the loan.

All these options, if well used may help you to obtain the best of your property’s sell. Try to search and compare as many lenders as you can before you decide to apply for any loan.

Why Buy a Diamond Watch?

Diamonds are always pleasurable and it gives you so many reasons for your happiness! Diamond Jewelery comes with different collections like rings, necklace and watches! Among all these diamond collection, watches are always special and extraordinary, as they are the best companion for any individual.

They are becoming increasingly popular, as people of both sexes have started wearing it. They are not really flashy and they give a gentle professional look. People of any age group find the best way to adorn themselves is with diamonds. Diamond watches have always been beautiful and they are known for their rich look!

These days they are really inexpensive and most people have started purchasing them for their casual use. There are plenty online shopping jewelry stores, where you can find the diamond watches with a wide collection. They come with a wide collection that matches both men and women. Also, the wide range of watch collection matches the style and professional look of individuals with their respective standards. Generally, diamond watches come with different shapes, style and sizes. The rate of every piece will vary from one to another depending upon the style and design.

Diamond watches are akin like any other wrist watch! The only difference is that, they explicate a rich look with grand aesthetic appearance. Women of these days have started wearing designer collection of watches, and they sizzle with the gorgeous look. Generally, they are worn during special occasions like a pleasurable evening party or any other blessed occasions. Some brand masters that introduce classy variety of diamond watches are Seiko, Rolex, Omega, Citizen, Cartier and Bulova.

Most of the men have started to sport out a variety of diamond watch collection! Diamond watch collection of Men will be ultimately beautiful and special. Most of the brand masters, who design ladies designs, also design unique variety of watches for men too.

There are plenty of online shopping jewelry stores that make a grand purchase of diamond watches for both men and women. Most of the Men designers will never design the watches akin like the women’s design. Watches for men will be ultimately masculine and they give a virile look.

While you purchase your favorite watches, you must consider about quite several factors. Get to know the quality of the diamond that is fixed in the watches. Basically, price and rate has always been a major factor, when it comes for purchasing diamonds. Buying a costly diamond watch never just entails that you have purchased the branded diamonds with supreme quality. Rather considering the price and rates, ensure about the quality of the diamonds and make sure that the dealer in 100% reputable.

There are plenty of online stores that direct and offer you cheap jewelry for sale! You can find the best dealer to make your purchase!

7 Best Online Travel Communities

True, Tripadvisor, Frommer’s and the Lonely Planet are some of the best online travel communities going, but they’re far from the only ones amongst the greats. So go on, expand your travel community horizons and check out our 7 Best Off The Radar Travel Communities:

1. Travelistic

From YouTube to Hulu to Yahoo, were a video obsessed bunch. Travelistic has cleverly taken this to head and created a travel community wholly centred around video.

Log on and you’ll find over 10,000 user submitted travel videos, to view, comment on and inspire your future travels. Want to visit the Great Wall? Journey to the top of Everest? You can do it all on Travelistic, without ever leaving home.

2. Igougo

A masterful all in one travel community, where you can plan your trip, compare flights and hotels and share your travel experiences with the world.

Just type in a destination and you’ll be instantly connected to a plethora of photos, reviews and users who have traveled or reside there. When you’re ready to go, create your very own trip journal and give back to the community by sharing your own travel experiences.

3. Trip It

Less of a travel community and more a travel service, Trip It is perfect for the organization nut in all of us. Just enter your flights, hotel stays and destinations and let trip it create an optimized travel itinerary for you in seconds. Never miss another plane or train again.

For those who truly want it all, upgrade to the pro version and Trip It will automatically alert you if there are changes or delays in your travel plans. That means less time at the airport, and more time at the beach.

4. Dopplr

Create a map with the dates and location of your travels; share it with the Dopplr community, check out other’s maps, then meet up with those whose travel plans overlap with your own. If you’d like to keep your location a secret from some (mom, dad, a raging x), don’t worry, you can control who can and can’t see where you are.

Along the way you’ll get a wealth of location specific travel information, so you’ll always know where to stay, where to eat, and what to do. Taking the thinking out of traveling, we like that.

5. Travbuddy

Travbuddy’s got all the ingredients that make for a killer online travel community; helpful forums, honest reviews, stunning travel photos and a dedicated membership 1.5 million strong.

Travbuddy ups the ante by giving you your very trip blog, allowing you to easily post your stories, pictures and reviews as you go. There’s even a built in mapping feature that builds a map of your travels as you venture across the earth.

Wherever, you’re headed, this is one buddy you don’t want to leave behind.

6.Travelers Point

Besides being a great place to plan, book and share your next trip, Travelers Point has hands down one of the best travel resources on the web; wiki travel guides.

These 100% user created and edited travel guides, give you the collective wisdom and travel experiences of over 250,000 members, right at your finger tips. From country and city guides, to travel health and safety information, you’ll find everything you need to get in the know, before you go.

7. Travel DODO

Travel DODO takes travel reviews and puts them into a fun, easily digestible format, Travel Do’s, and Travel Don’t.

Want to find out which restaurants, hotels and attractions are best avoided in France? Just click on the location on the interactive map, and you’ll be given a list of places to cross off your list (travel don’t), so you spend your valuable vacation time wiser.

Frankly, you’d be a DODO, not to check up here before you GOGO.

Travel Agents Are Still In Demand

Although their are numerous online travel services a traditional Travel agent is as much an important part of the trip as comfort is to traveling! The role of a travel agent has been increasing with the times and today most people are dependent on them for executing most of their travel plans so that they can rest easy and just enjoy their trip.

It is the responsibility of the travel agent to help and guide the travelers about the constantly changing schedules and airfares, availability of packages for vacation, and a lot of travel information that the traveler may not know about.

Choosing a reliable travel agent can be an important decision, since how you travel and your comfort will be largely decided by the travel agents. You should verify the information given by the travel agents, to be on the safer side and minimize your travel hassles. In case of International travel, choosing a proper agent becomes more important.

The right agent should be able to foresee your problems and guide you about them. They should provide information related to customs regulations, important documents like visas, passports, currency exchange rates and certificates of vaccination.

Many hotels, cruise liners, resorts, and special travel groups make use of travel agents to market their travel packages to the ever increasing rate of people choosing to travel both inland and overseas. Most agents advice you on destinations and make arrangements for hotel stays, transportation, tours, car rentals, etc.

Information on weather conditions, restaurants, tourist attractions, and other such necessary information are also provided. A good travel agent could also take the trouble of checking out hotel services to gauge their quality of service in order that they can base references on a first hand report.

With the changing times, the travel industry has seen a big development in terms of Internet bookings and travel related information made available on the net. The number of people using online services is growing. This has resulted in a change in the view of the convenience of traditional agencies.

A poll result of American tourists revealed that over 92 percent of them generally buy their travel related necessities online. According to these consumers, online travel agencies have cheaper rates, are the easiest to use and offer all the relevant information. A word of caution is necessary for those using the Internet for their travel bookings. Be sure to navigate the site, verify that the agent has a good back-up system.

Also ensure that there are no added costs that are credited to your credit bills.

Till a few years ago, travel agents provided free services to their customers. Travel agents worked as agents for airlines, hotels, rental car companies, etc. The agencies worked on a commission basis from these suppliers.

But free travel agent services began changing as a result of certain changes in the rate of commissions. For example, in 1995 Delta Airlines imposed a $50 limit on domestic airline commission rates.

The Basic Elements of Style

Wearing the latest in fashion is what every one of us likes to do. But it is very important to carry the clothes in style. Having a great wardrobe is definitely essential but some basics of style should also be adhered to in order to make a striking fashion statement. There are lots of online wholesale apparel shops that cater to the fashion conscious generation. But apart from stocking up a fantastic collection, there are a few other issues that need to be paid attention to.

• A well groomed appearance is very essential in order to carry any ensemble with style. Nobody looks good with straggly, greasy hair, chewed up fingernails, gross skin, unplucked eyebrows, and leg stubble.

• Taking good care of your clothes is also very important. Well maintained clothes are the basic requirement of carrying off any stylish look with elan.

• Over usage of accessories can kill any fashionable ensemble. It is always best to make minimum use of accessories so that they can act as a compliment to the basic outfit and add some style.

• Try to choose outfits based on which colors and styles look nice on you. It is a good idea to match what you are wearing with your own personality. This helps in bringing out your true colors and helps you look and feel great.

Each year new fashion trends are born and it is time for the old ones to retire. Though it is definitely a great idea to go with what is in vogue, but at the same time you should keep an eye out for the comfort factor as well. Comfort and style goes hand in hand and choosing apparel based on how comfortable you feel wearing them is the smartest decision. Fashion trends appear unexpectedly and fade away even quicker than they appeared.

There is no limit to the permutations one can think of in terms of mixing and matching clothes and creating a style that is comfortable yet elegant. If you want to achieve a great look, be in line with new fashion styles that are influenced by different seasons. In recent we have seen the rise of new brands as well as the comeback of some old fashion trends. To wear something different and with style is to create fashion and with a bit of creativity you can come up with unique combinations that can become a personal fashion statement.

Is the New Fashion Trend Right for Your Business?

Is your style the right one for you or are you trying to copy the magazine or a celebrity? A lot of women today have this dilemma because we live in a world where fashion style dictates who you are in the society. The world is changing so fast and the fashion trends are also adjusting every now and then. With a variety of fashionable items to choose from, creating your own personal style is not an easy task to do. You also need to take into consideration the kind of personality you want your viewers to convey about your fashion statement. Dressing your own style of fashion is not only to blend in the crowd but also to express more of yourself and be confident of your personality. Your own personal fashion style is your own personal brand of your own interests, aspirations, desires and lifestyle.

The following are some tips to consider when creating your own fashion statement:

  • Before trying something, try to scrutinize various fashion trends from different sources like magazines, television, advertising materials and the internet. You must know how to gather data to be able to investigate what you really want in your fashion style. You need to know how these trends are being collected so that you will have a better idea about the basics of fashion. From these concepts, you can mix and match and can create a clearer picture of your personal style.
  • Do not try to copy fashion statements of celebrities or friends because their own trend may not be the perfect style for you. Only buy items that best represent you as a person. Focus more on the clothing you wear and feel good about being yourself.
  • Venture on different styles. You can try different dresses and experiment on your own closet. Walking in front of a mirror or taking a picture of yourself can help you. By doing this, you will know what are the styles you want to keep or change. You need to remember that loving the items you wear boosts your self esteem.
  • There are several accessories you need to consider. Try to find the perfect accessory that will complement your outfit. Don’t go for accessory items just because they are a popular trend in your society. You need to realize that accessories are also important in creating your own personal brand.
  • The right hairstyle and make up is also a must in making your own style. Try to consider the shape of your face in selecting the perfect hairstyle. Be conscious about the right blend of make up for the right occasion.

Organizing your fashion statement involves risk. Don’t be afraid to take that risk. Inspire yourself with personalities you admire in the fashion world. Through this, you will be able to discover the true and unique person that’s within you.

Everything You Ever Needed to Know About Payday Loans But Were Afraid to Ask

A payday loan is a small short term loan you can use to cover expenditure until your next payday. You can apply online and the decision to loan you the money is made almost straight away. In most cases the whole application can be completed online and the money loaned can be credited into your bank account on the same day as you make your application.

A payday loan is an unsecured loan, so it is not dependent on collateral, such as you owning a house or car etc.

Generally when you make your first application you can borrow any amount up to £300, depending on your take home pay. You are more likely to be approved the less you want to borrow, so it is advisable to borrow only what you need. Once you have successfully repaid loans with one particular company they may then offer to lend you anything up to about £750 in subsequent loans.

Payday loans can provide a useful solution for short term cash flow problems.

Who can apply for a Payday loan?

In order to be eligible for a payday loan you must be over 18 years old and in employment with a take home wage of at least £750 per month. You must also have a bank account with a valid debit card.

Even if you have bad credit history you should still be able to obtain a payday loan as long as you fulfill the above criteria.

How do you get a Payday loan?

The majority of payday loans are available online, so there is no delay with faxing or posting of documents. The application process is quick and easy to complete. You will be asked for your name, address, details about your monthly income and employment, when your next payday is, along with the amount you wish to borrow and your bank account details.

Once you have submitted your application you should hear back from the payday loan provider within minutes. They will email you with their decision to the email address you have registered with your application.

Payday loan providers partly make their decision as whether to lend you money dependent on the amount you want to borrow compared to the amount you earn. Only borrow what you need, the less you borrow the more likely that your application will be accepted and the smaller the amount of interest you will accrue.

If your application is successful you will be sent, by email, your loan agreement showing the amount that will be lent to you, the repayment date and the amount of interest you will pay on the repayment date. Along with the loan agreement you should also be sent loan conditions. These loan conditions should outline your rights under the Consumer Credit Act 1974 along with details about repaying the loan, cancelling the loan and the use the personal information you supply when applying for the payday loan.

If you are happy to proceed you sign online by providing details of your name and answering a security question such as your mothers’ maiden name. Then, email this back to the loan provider and the money will be deposited into the bank account you registered at the application process. The money can be deposited in your bank account on the same day you make the application, so this is a very fast and efficient way of borrowing money short term.

How do I repay the loan?

You will need to repay the loan amount and the interest accrued on the repayment date as specified in the loan agreement. The repayment date is usually your payday, hence the name payday loan.

The repayment will be collected by the loan provider by debiting the bank account you registered at the application process, which is the bank account into which you get your wages paid.

Repayment over a longer period

Payday loans may be extended if you find yourself in a position to be unable to satisfy all or part of the amount due on the repayment date. If this happens it is recommended that you contact your payday loan provider as soon as possible and explain your circumstances to them. They will then be able to explain your options and how to go about extending your loan.

Even if you are not able to fully settle the repayment amount, it is advisable to pay off as much as possible on the repayment date. This will help to keep the amount of interest you owe to a minimum. Some companies may charge you additional fees for extending your loan, you should check if this is the case before you sign your loan agreement.

Regulation of Payday Loan Companies

Properly regulated payday loan companies must adhere to strict laws governing the finance industry.

As with any financial product you apply for it is always advisable to check that the company offering the loan is properly regulated. The payday loan company you are applying to should show its Consumer Credit License number within its loan conditions and it should also be authorized by the Office of Fair Trading. If you are in any doubt as to whether the payday loan company you are considering applying to is fully regulated then you are within your rights to contact either of these bodies for further information.

As long as the payday loan company you are applying to is properly regulated, there will be a recognized body to make any complaints you may have to and you can be assured that you will not be subject to any unfair practices.

What are the benefits of a Payday loan?

Fast

One of the main benefits of a payday loan is the speed at which the cash can be credited to you. The money you need can be available to you in your bank account on the same day that you make the application. This can provide valuable assistance if you have a short term cash flow problem and need money in an emergency.

Simple

The application process is very simple, it takes just minutes to apply for a payday loan and you do not have waste time posting or faxing documents to the payday loan provider, as you would with other more traditional high street loans.

Poor Credit History

Payday loans are available to people with a poor credit history. This is because payday loan companies do not solely make their decision to lend based on a persons credit history. As long as you fulfill the application criteria you have a good chance of obtaining a payday loan. For many people a payday loan may be the only way they are able to obtain credit, especially in the current financial climate where the majority of lenders are unwilling to provide loans altogether, never mind to a person with a poor credit history.

Use of the Loan Money

You do not have to tell the payday loan provider what you need the payday loan for. You can use the money for whatever you want. You may need money in an emergency which can not wait until payday for instance; emergency medical or dental treatment, to settle a bill quickly, extra spending money on holiday or even for a romantic weekend away. The choice is yours as long as you make the repayment due on the repayment date.

No Upfront Costs

There are no upfront costs associated with a payday loan. You do not pay anything back until the repayment date you have agreed to in the loan agreement.

Why does the APR appear high on payday loans?

The APR applied to payday loans appears at first glance to be high. This is very misleading, but there is a simple reason why this figure looks so high. APR is an Annual Percentage Rate, and as such is calculated over a whole year (365 days). However, a payday loan is taken usually only over a number of days or weeks.

The APR calculation was not designed to apply to very short term loans such as payday loans. It was designed to apply to long term loans in existence for a year or more. It is really a theoretical figure than enables people to compare similar longer term loan products, like mortgages or ongoing credit balances.

Rather than relying on the APR rate it is more advisable to look directly at the loan agreement to see exactly how much interest you will be charged for the period of your payday loan. Some companies have a standard interest charge for the amount you wish to borrow regardless of the duration of the loan. It is then up to you to decide whether you will be able to repay both the cash advance you receive initially and the interest amount on the repayment date.

To Conclude

Many people do not have savings or access to credit cards or more traditional loans and so the convenience of a regulated payday loan provides piece of mind should the occasion arise that they need some money quickly.

If you need money in a hurry, can not wait until payday and are confident that you can make the necessary repayments on the repayment date, this could be the ideal solution for you.

Overall, payday loans are convenient, easy to access and offer a viable option for people who require money quickly for whatever reason.

How To Select The Best Home Furniture

If you have an interest in purchasing home furniture from Malaysia then there are certain considerations that should not be overlooked. As it is known as one of the top five exporters of furniture worldwide, you can be sure that the range of options will be extensive. It is important to think carefully about the purchase so as to ensure that you buy the perfect items for your place of residence.

Before spending any money you should visualize how the pieces you are considering would look in your own home. Whether or not you opt for a complete set of furniture or choose individual items would depend upon your exact needs. Often selecting separate pieces would give you greater scope for flexibility and changes at a later date.

If you feel that you do not have the time or the inclination to sit down and analyze every aspect of choosing modern Malaysian furniture, the solution would be to hire a professional to conduct the task on your behalf. Most interior designers would be able to suggest specific pieces depending upon your tastes, current decor, and budget. As such individuals are trained in decoration you would be able to create a look that is unique.

Today, choosing home furniture is a lot easier thanks to the internet. Now wherever you are located you can browse at leisure a wide variety of online furniture retailers. If you are planning to shop online make sure you are clear on such factors as the exact color of the items, their dimensions, and shipping costs. You should also inquire if there is a return policy in case you are not happy with the goods once they are delivered.

Of course you can always spend time visiting furniture stores in person. Though you would be able to see exactly how certain furnishings appear you would not necessarily have access to the greatest range of items or the best deals. Using the internet to locate suitable pieces and then planning a viewing trip would make more sense.

Before parting with your hard earned cash make sure you have considered how the home furniture will be transported to your home. Do you need to pick it up or will it be sent to your address. Also, do not make the unfortunate mistake of buying pieces that are too large to fit through your doors or windows; this is an error that occurs all to often.

The Massaging Chair – The Best Home Furniture

The massaging chair has become available because of the evolution of our technology. The convenience which it gives at such a low cost is something which we cannot avoid in our present civilization. Not only are they affordable, but they are truly a great investment for a great range of benefits. These are but some of the causes why it is greatly beneficial if we took our own massage chair.

The massaging chair has become an adopted need for a lot of of us. Just like the mobile phone, we almost cannot visualize life without it anymore. After a hard day at work, sitting by the television system with our favored drink is no more a complete daily routine. We would need our day-to-day rub down in order to soothe us of stress.

The massaging chair can give us this but without the mechanical burden of a manual massage. We only have to plug and play the chair, and we will get a perpetual rub down which will never wane from its pressure. It will also not tire down and will enable us to experience our favored moves for as long as we want. We would also be capable to do this at our own solitude, out from the prying eyes of other individuals.

So what would be the best massage chair for us? It would be good to scout for massage chairs for sale in our market. These products have become so rife that they can be found at any department store. They normally come with a free trial session which will enable you to determine if a particular chair will suit your individual needs.

The massage chairs for sale in the market come in numerous configurations and with specific uses. There are chairs which give a specific character of massage such as Shiatsu or Japanese traditional massages. There are also chairs which are portable or which are meant to stay in a fixed place in your home interior. Whatever the case, we must get the particular chair which will be optimal for our particular needs.

A distinguished discovery with massage chairs is the zero gravity massage chair. It is called such because it really emulates a zero gravity environment where you feel that you are almost floating in air. This means that a lot of pressure is reduced from your back as attested to by the cloudy feeling which you are experiencing. This discourse if very significant for people who are experiencing back pain.