Real Estate Selling

Investing in the future is the message we are told to think about if we want to improve the chances of a happy life and many people are now doing this. Investing is a good way to make money and whether it is in stocks, shares, online, real estate, finance, bonds, or mutual funds, there are a huge range of areas that can be used. It takes the right attitude however, to achieve this, and a careful approach (not reckless) should make money worries a thing of the past. I am sure you have already guessed that this piece is not going to give you all the information you need but it is hoped it will give the incentive to look further into this topic.

The most important aspect of this is research especially if you intent to invest money on stocks and shares as this is the most complicated of areas, in particular wit the number of companies. This is also the riskiest area but huge amounts of money can be made quickly although even experts can make huge mistakes. Not a place for short term financial gains, real estate is for people who are looking into the future where huge amounts of money can be amassed. Many people buy homes that need upgrading and this is a way to buy them at a knock down price but it should be remembered that to sell on a house for a profit requires a little more than just a coat of paint.

There are however, many factors that should be considered before any attempt is made to invest in real estate; this is not the case with the next option. Probably the fastest way to get up and running (and see results) is with online trading, an area that is becoming increasingly popular with armchair investors. Using your computer you can research the companies that are offering shares and have a good idea of their performance before you make a decision to invest in them. Be aware that because of the ease with which this can be done it has also been shown to be highly addictive and may cost more than you are prepared for.

Learn about the markets and investing generally to see how they work as this information is crucial if you do not want to start losing money as soon as you start. Whatever field you find most interesting, the key to long term success is research, plain and simple.

As usual, there is a huge amount of free information on the internet if you really want to learn more; remember, successful people do not use luck all the time! Set yourself a limit of how much you can afford to lose and do not go beyond this because although investing is a great deal of fun it is also a very deep pit where money can be lost forever.

In the past, getting a home security system was a large endeavor. You had to actually hard wire the whole property. Because it was such a difficult task, it had to be installed by professionals. Even for a normal house, an installation would take at least a day. Now, companies are offering new wireless security systems that are much easier and cheaper than those of old.

Manufacturers, in an effort to increase their sales, how now made do it yourself home security systems available inexpensively. Now you don’t have the haggle of hard wiring your home because everything is wireless! The cameras and all the rest of the devices coordinate by remotely, making the whole process so much simpler. You won’t have to think about installing or concealing any wiring. And, just to make sure you get everything installed perfectly, DVDs are even sent along with the system to guide you through the installation procedure.

These do it yourself home security systems even have there own contained power supplies. Everything else in your house (phone, internet) could lose power, but your wireless security system will still keep running. As you can imagine, this feature is extremely important, should a thief cut your power or a storm cause your power to go out.

Probably the greatest advantage of most do it yourself home security systems is all of the costs you can avoid:

- The system itself

- Installation

- Lengthy service contracts

- Service monitoring costs

All you really need is a home security system that works by scaring away would be intruders. Why pay for more than you need?

The amount of homes being broken in to is increasing all of the time. A home security system can include anything from systematic door and window locks to fully monitored, automated systems. What is most important is that you find one that fits your family and is adaptable to your lifestyle.

For most churches the purchase of a new church building is the largest financial transaction most of the members of the church have ever been involved in. As a result the process is one that can become intimidating to those charged with the responsibility to represent the congregation. It is a serious responsibility that in most cases will determine the location of your church for the next 30 - 40 years.

Choosing a team is an important task that should be done as soon as you are seriously considering a change. Having people that know their way around the process will make the task much easier. Let’s put it this way, if you were having chest pains, classic heart attack symptoms, you would likely want to see a doctor quickly, right? The closest doctor is a podiatrist so that is where you would head, right? Wrong! Well, why not, he’s a doctor. No, you want a specialist who understands the heart well, who works with heart patients everyday. Same is true when you are planning to move your church, find church professionals that know their way around the process, that go through it several times each year, not once every 30 or 40 years.

This is one of the first things that I ever mention to a church; is to find a church friendly lender and do it very early. This is so important, because at you as you start shopping for land to build or an existing church you need to know exactly how much money you can spend. You can save yourself a lot of time and heartache and put yourself in position to gets a deal done when they are available by getting your banker on your team early.

If you are planning to move in the next 24 - 36 months and you need to sell your current location in order to move, then you really need to put your building on market now. Most churches shy away of this idea because they want to find a building to buy first. But even if you find the perfect building, it will probably be gone by the time you sell your building so you can pay for the new one. Many times churches worry about selling their building and not finding a new one, leaving them homeless, but you can structure an agreement that will protect you from this situation.

Don’t make the mistake I see so many churches make; one mention of moving and everyone in the church is out shopping before you even have your budget worked out. Once you have made the decision to move, get a commitment as to how much debt you can carry and get your cash in your hand. These two moves will put you in a position to grab the deals when they arrive.

Most lenders do not understand “Church”; they can’t look at you as a “personal account” so you fall under the commercial lending area. Most commercial concerns make a profit. Most churches don’t. Lenders almost never foreclose on churches (bad public relations to be the bank that closed the church) so they have to qualify churches differently than most other commercial accounts. In my experience you are light years ahead of the game by working with lenders that understand church, and there are many that do. As mentioned above, it’s best to deal with church professionals.

I suggest that you speak with several church friendly lenders to determine with whom you can gain a comfort level that you could work with them. This is a relationship that will be with you for a long time, it’s worth putting in some work to make the right choice.

Once you have made the choice and start through the application process you will be asked for all the normal information on your church, financial history, attendance records, cash positions, equity in building etc. The lenders will then qualify your church and give you a good idea of the amount they would be comfortable loaning your church. This allows you to shop with confidence and once you find a property that meets your needs you can offer with confidence and be able to close in a timely manner.

In most cases the lender will want you to have 25% - 35% equity in the new property. This is just a guide and many lenders are already on the high end of this scale. Most churches will have to run a capital campaign to raise additional cash. Some will do it themselves and others will use professionals. Many lenders prefer the professional fund raisers because they raise more and collections typically run higher. We will talk about this topic in a future article.

So, as in all things prayer is crucial, planning every step along the way and the assistance of church professionals, those who have completed several church projects in the past year, is highly recommended. Follow these simple basic steps and you should have a very successful relocation project. In our next article we will discuss some of the financial options available for you to choose from.

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