Choosing the Best Green Home Builder

Today many people are “going green”, which means that they are becoming environmentally friendly in how they live their lives and minimizing the harm done to the earth. When some people decide to build their home from the bottom up, they decide to have a green home builder build their home. This contractor would build their home with low environmental and energy efficiency in mind. To find a green home builder you should talk to the contractors in your area. Some that will travel to your area to build your home but their services will add more expense to the cost of your home.

To ensure that you will have the best green home builder ask them what type of building material they will use. You should also inquire about their disposal methods to make sure they are in compliant with sustainability practices. The materials that they should use are non-toxic when possible, and environmentally friendly. They should also be materials that come from renewable sources, or sustainable material. This can include materials from homes that have been knocked down. This material can include old doors, cabinets, some of the wood to accent the home such as using the material for ceiling beams, and more. They should try to avoid using plastics and choose their wood carefully. You should ask to see examples of the green projects they have completed. Their construction philosophy should focus on green building. It should not just focus on using green techniques as a secondary technique. Make sure that the contract you sign states that it will be constructed from sustainable and green material.

A home builder may tell you that they are using green building techniques but it could be easy for them to start using less environmentally friendly techniques and designs to save money on materials so they can put more money in their pockets. This is why you need to be sure that they are a reputable home builder and have good references as a green construction company. They need to be knowledgeable about green techniques and processes and committed to green construction and design. If you want your new green custom built home to be built using unconventional techniques make sure the home builder can demonstrate they understand the techniques you want and can do them correctly.

Before you choose a green home builder, you should educate yourself on what constitutes a green home and the process to build one. This will help you to determine a good green home builder and to know if they are cutting corners using non-environmentally friendly material. Having a green home can save you money on heating and cooling costs, and if sustainable material is used it can save these materials from being disposed of improperly.

Tips for Getting New Clients As a Realtor

Admit it or not, finding clients on the vast real estate market is very challenging. It is challenged by the existence of big real estate firms which employ hundreds of experienced real estate agents on their teams. If you are a newbie, you could easily be swallowed by the efforts exerted by the established firms. But have you ever think that they also started out as rookies in the field? If you are in this situation, here are some tips to at least give you a leverage on finding the right clients for you.

Create your own circle of offline connections and influences. As much as the online world is essential to widen your connections, the offline connections and influences is equally essential. Start with your family and friends. Then add your past classmates even those from your elementary days whom you still remember. Your teachers can be great additions. Move on to those whom you are tapping services as professionals such as your doctors, dentists, hair stylists, pet groomers and fitness coaches. The parents of your children’s classmates and friends can also expand your offline connections. If you have business contacts, add them as well. Don’t forget your neighbors. They can be great sources of referrals.

Build a better online network of friends. Through social media, you, as a real estate agent is bestowed greater power to enhance online connections. Your network can be a greater web of interconnected persons starting with your family members down to their own friends, acquaintances, friend of friends, and so on. Before you notice it, your network has expanded to include professionals of diverse titles not only in your locality but also in adjacent towns and nearby cities. If you think they are not relevant, you may be wrong with the impression. Anyone in your online network of friends can always be a great source of referral even those who you seldom see to be adding activities in their social media accounts.

Send mailers, both online and offline. Now that you have established both your online and offline connections, it is time to introduce yourself as the rookie real estate agent. For offline mailers, be sure to have a formal tone. Give your full name, license number, the firm you are connected too, its address, and contact numbers of you and the firm. Inform them of the services you are offering.

For online mailers, the same can be followed. But since it is an electronic form, you may want to add some enhanced graphics and video.

Create your own website. For personal branding, having an own website is an essential. This is where you can provide listings, value added services, frequently asked questions, and even informational articles that can help spark the interest of your potential clients. Support it with a blog, and connect it with your social media accounts in different real estate online platforms.

The Irresistible Flats in Zirakpur for You to Buy

Amidst the three basic necessities of our life, home is one of them. It is the hearty desire of every individual and family to own at least a house in the preferred location. If you have not yet owned any home, there is no need to worry at all. Now every single family will have the golden opportunity to become the owner of a flat in the fully developed capital city of the state Haryana.

The many of the reputed builders have come together and made the people realize the limitless benefits of flats to buy. There are some companies engaged in the construction of residential and commercial projects at the different locations for the people to make the purchases. The residential projects include 1 BHK, 2 BHK, 3 BHK, and 4 BHK with fully furnished home and ultra-modular kitchen. The marbles, tiles, stonework, furniture works and other attractions are captivating enough to win your sweet little heart.

The Unlimited Benefits of Buying Flats in Zirakpur

Some of the Flats in Zirakpur and at other places are so well designed by the renowned architect that a single look is enough to captivate your mind. It gives you the feeling of staying in a five star environment at home. So why to wait now? Rush to visit the actual site and take a close look at the ready to live flats available for the possession for you in your own dream city near Chandigarh. You are sure to gain many other features in addition to the unavoidable deals on your bookings.

One should not miss the chance to win the attractive property deals. There are many advantages of owning your own house. It is indeed a matter of proud to become the owner of a Flats in Zirakpur, Chandigarh- the beautiful city in the country.
There are many good reasons that will encourage you make your stay in the city. Some of the major attractions include

(i) 2 states: it is a union territory administered by the Central Government. It is the capital of two states i.e. Haryana and Punjab.

(ii) Well Planned city: It is the first planned city in the nation. The town planning is done in a systematic manner in order to avoid the unwanted problems occurring due to natural calamities and manual activities.

(iii) Tricity: The neighboring cities of Chandigarh, Panchkula, and Mohali together form the ‘Tricity’.

It has been observed that growth and development is the ongoing process in the city as a result of it the rate of the property is constantly increasing. It is indeed a very good decision to make the investment in the booking real estate market in the city.

If you are looking for Flats in Zirakpur at unmatched rate and additional free facilities, get in touch with the 100% dependable property deal service provider Green Lotus Avenue in the capital city.

Owning a Classic Craftsman Home in Northeast Los Angeles

NELA home architectural styles vary widely: Modern, Art Deco, Victorian, Tudors, and others. But perhaps the Craftsman residences get the most attention.

Craftsman homes are among the most sought after real estate in Northeast Los Angeles neighborhoods. One of the many reasons why homes for sale in Pasadena, Eagle Rock, Hermon and elsewhere have become hot commodities is a renewed interest in so-called “character homes”. But Craftsman homes come in significant variations, sizes, and conditions – opening up opportunities for homebuyers in a range of prices.

The high value – i.e., prices ranging from $400,000 on past $2 million – being placed on Craftsman homes in NELA is an interesting turn of historical events. These solid structures were originally designed for the advent of middle class home ownership in the late 19th and early 20th century. Gone were the features of Victorian homes that included butler’s quarters and kitchens only used by household staff. Instead, the family prepared their own meals while some features of kitchens blended with dining rooms – which are why there are those built-in, glass-front cabinets for dishware that was previously stowed out of sight from formal dining rooms.

The characteristics of Craftsman homes range from low-pitched roofs to deep eaves, exposed rafters (usually with distinctive decorative knee braces), dormers, one- to one-and-a-half stories, large fireplaces (often flanked by built-in cabinetry), and double-hung windows. Outside, Craftsman bungalows had large porches that welcomed newcomers to the California lifestyle, which offered a longer outdoor season for people arriving from the Northeast and Midwest.

Note that Bungalow and Craftsman style homes are often – but not always- the same thing; Bungalows always have that front porch (“veranda” if you prefer), while Craftsman sometimes do not. (If looking at homes for sale in Glassell Park, Garvanza or Mt. Washington, you might nerd out with your realtor by looking for the distinction.)

A further distinction might be made between Craftsman homes designed by certain architects (Greene & Greene built the trend-setting larger versions, which drew from Spanish mission and Japanese aesthetics), while Craftsman-style homes had a lower cost and were more modest in proportions and features. Craftsman-style homes may have shipped by train in a kit (e.g., “Sears homes”) or been a much-replicated design used by 1920s developers who knew a popular style when they saw one.

What made Craftsmans so popular when first built is what makes them equally popular today. These solid buildings have a relaxed style, one that accommodates an easy flow between rooms and activities. Mothers and fathers making meals in the kitchen can take a break to help children with their homework while keeping an eye on something cooking on the stove. Throw a party on the veranda but some guests might easily drift inside to admire the Arts & Crafts detailing of the cabinetry, fireplace surround, or wainscoting. They are healthy, unpretentious and sturdy: anything standing today has withstood a century of seismic activity, testimony to the sturdy craftsmanship of these Craftsman homes.

The Benefits of Having an Energy Star Certified House

For two decades, the Environmental Protection Agency (EPA) is pushing energy-efficiency in homes. From this, the Energy Star in new homes was conceptualized. It aims to prevent pollution of the air while at the same time giving homes the much-needed adjustments towards energy efficiency.

For home buyers who are on the hunt for their dream homes, it is very important to look for Energy Star compliant homes. While the prices may be higher than homes established right before its implementation, buyers are guaranteed to save along the way from the prices slashed on energy costs.

And because going green is an in thing, those who invest in Energy Star homes are also assured of profits when they choose to sell them.

New construction homes are also required to follow new building codes. These requirements are also in line with the energy-efficiency methods prescribed by EPA.

How about appliances that you’ll be putting in your new homes?

You don’t have to worry too. Appliances manufacturers are also following Energy Star prescriptions. Thus, when shopping for TV, refrigerator, aircon, or any other home appliance you want to add in your new home, just look for the Energy Star sign. With this, you are assured that they are more energy-efficient than same appliances without such compliance tags.

Any other benefits, aside from less operating costs on monthly basis?

New construction homes that comply with Energy Star have added benefits. Given that the design is geared to cut energy costs, you can be assured that during warm months, the windows can give entry to natural and cool air. During cold months, the added insulation can provide heat and in fact trap the warm air circulating inside the house.

Another benefit that comes with Energy Star homes is the improved air quality inside the house. The ducts are made sure to be tightly sealed. They prevent air pollutants and even pests from finding their ways into the house. An improved indoor air quality is beneficial to the health – especially to those who have respiratory conditions.

If you are indeed a first time home buyer and you need the help of mortgage lenders, choosing Energy Star homes is quite a good choice. Many lenders are favoring these homes and within your locality, you might just be able to score one with lower origination fees.

Advantages of Living in a City

City life is commonly described as fast-paced. It is a life that is tangled with having a busy lifestyle such that every second counts. Despite this scenario, the advantages of living in the city still speak best about why there are still may families who choose to dwell in the urban jungle.

Transport accessibility. Even if you don’t own a car, transportation is relatively easy to take you from one part of the city to another. There are many modes of public transport such as buses, trains, and taxis. There are designated points or stations to where you can ride so looking for them won’t be a problem at all.

Variety in lifestyle spots. If you’re one that is active day and night, then the city is perfectly yours as a playground. From shopping malls, restaurants, entertainment spots, bars, and a lot more – the city is that big to accommodate them all. These establishments are made to lure you more into being a city dweller.

Better opportunities in choosing school institutions. Admit it or not, it is a well-known fact that educational institutions are concentrated in cities. While there are school districts which closely monitors those in other areas, there is still a better opportunity of choosing from many schools when you are in the city. Aside from designated public schools, there are also private schools that can give you more options to where to send your kids. If you’re looking for specialty schools and training schools to enhance your skills or upgrade your knowledge, the city can also offer several options.

More job opportunities. Because a city is where population is usually concentrated, then there is also a tendency that more establishments are constructed. From government offices to private institutions, a city has numerous employers which offer jobs to its residents. whether you’re inclined to government service or your skills is for private firms, you have options to choose from as a city job hunter.

Diverse social interaction. More than the advantages anchored with the presence of lifestyle spots and government offices, city life has more to offer. Social interaction in the city is so diverse. There is variety in culture and religious beliefs. This is attributed to the presence of numerous races and ethnicities within the city particularly those that are classified as metropolitan. Living in the city is one great opportunity of expanding your horizon. After all, making real friends and acquaintances is essential in making one’s life worthwhile and productive.

Overturned Mortgage Rulings Creates Chaos at the Supreme Court and Bank Stock Falls

This week has seen unprecedented Supreme Court action that has unleashed all kinds of mayhem on an internal level, not to mention the consequences this has had on the financial sector. Over the past few years we have seen thousands of court cases revolving around the financial sector and their methods when it comes to granting mortgages. The primary issue was in relation to the infamous Floor Clause inserted in mortgage agreements (in many cases without advising the mortgage holder!) but a Supreme Court ruling in favour of mortgage holders obligated banks to reimburse any benefits obtained which could be a few thousand euros per case. The secondary issue and the one this article refers to has to do with reclaiming the Stamp Duty paid on the Mortgage Deed.

In February of this year, the Supreme Court by means of its Civil Court issued a ruling that stated the mortgage holder is responsible for payment of the corresponding Stamp Duty, however, this same ruling was OVERTURNED by its own Court for Contentious-Administrative Proceedings in an unprecedented action last Tuesday 16th October 2018 and recorded under Ruling Number 1505/2018. This ruling corrects the existing ruling that was passed only a few months ago and determines that in fact the BANK and not the client/mortgage holder is responsible for payment of any Stamp Duty due when a Mortgage Deed is granted before a Notary Public. How has this come about and what was the reasoning given for this surprising turn of events?

Mrs Lourdes Amasio Díaz, a barrister who represents the company known as “Empresa Municipal de la Vivienda de Rivas Vaciamadrid S.A.” initiated an appeal to reverse a ruling against her client as recorded under Recurso de Casación 5350/2017 and this is what was considered at the Court for Contentious-Administrative Proceedings. As stated previously, this appeal made Magistrate Jesús Cudero reconsider the Supreme Courts previous ruling and side with her client. The criteria used to arrive at this decision was the fact the only interested party in registering a mortgage loan at the Land Registry Office is the bank because it is the only way they can make claims against the mortgage holder in the event of non-repayment of the loan, therefore the bank should be liable for the resulting tax.

This about-turn can seem conflictive but as it turns out when the matter was apparently resolved in February 2018 at Civil Court, the same issue was already on the table at the Court for Contentious-Administrative Proceedings which now does not hold the same point of view.

The result of last Tuesday’s ruling is a massive dip in the stock market which has affected Spain’s major banks, primarily, Bankia, Bankinter, BBVA, CaixaBank and Banco de Sabadell. The one major factor that has not been detailed in the ruling is whether the Stamp Duty for mortgages signed over the past four years can be reclaimed or whether it only applies to new mortgages. Of course, the banks interpret the ruling to apply only to new mortgages, so this point must be clarified.

It would appear the Spanish banks’ reign of tyranny is over and they are being made accountable for their one-sided dealings with their own clients, however, this ruling has stirred up a hornet’s nest and it is far from over… Not even 24 hours after this latest ruling was passed, the Supreme Court has made yet another astonishing decision to review this sentence. Mr Luis María Díez-Picazo, President of the Court for Contentious-Administrative Proceedings has decided it would be prudent to delay this ruling until other considerations can be examined. By this he is referring to the effect this has had on the stock market and what it would mean if the banks have to reimburse what experts estimate between 6.000 and 24.000 million euros.

A Plenary Session of the Court must be held within the next few weeks in which 31 magistrates must decide whether the latest ruling that determines the banks are responsible for any Stamp Duty that arises from mortgage deeds will be accepted or not. What is going to happen in the meantime? Well, in theory, a legal ruling was passed so notaries will continue to advise that according to the ruling of the 16th October 2018 and applicable from Thursday 18th October 2018, it corresponds the banks to pay the tax. The shock attempt on Friday to reverse that sentence is a mere Memo but does not qualify as legislation until such a time the plenary session decides which ruling stands.

Some clients who were due to sign for mortgage loans at Notary that Tuesday postponed their appointments until the outcome of the court case was known but even though the ruling is now debatable, Stamp Duty in the Canary Islands for example is payable within 30 days of signing the deed (in other autonomous regions the deadline is 60 days) so I expect the banks will until the last moment before paying in case they can pass that expense back to the mortgage holder.

What we have here is a split decision within the Supreme Court itself with two very different rulings issued by two different chambers. My personal opinion? A matter of this magnitude should have been determined at a Plenary Session in the first place instead of allowing two chambers to pass a sentence on different cases which has allowed this gross conflict to occur. We’ll have to see what the outcome of the Session is and hopefully it will be in favour of the little guy to help put an end to what I call the Banks’ Reign of Tyranny.

Garden Apartments

This residential apartment is located on landscaped property that is at ground level. This term loosely describes any apartment on the first floor. It also includes a basement apartment or one in a high rise. If it is a real garden apartment, there will be no household, or apartment, above it. They are spread out horizontally in an open courtyard. You can find these apartments worldwide.

Such an apartment will have one or two bedrooms but you can find some that have three or more bedrooms, especially if they are used as a vacation apartment. The more bedrooms there are the more people they can accommodate when on vacation and renting the apartment. If it is an apartment that is rented out long term it is generally not furnished. If the apartment is rented out on a weekly or monthly basis for vacations, it will be furnished. Garden apartments may also have one or two stories. The common area can include outdoor amenities like a swimming pool, tennis or basketball courts, a spa or clubhouse. The entrance to the apartment could be off the courtyard or the street.

The owners of the garden apartments are responsible for the outdoor area being kept up with the lawn mowed, any outdoor equipment cleaned, clean swimming pool without leaves and other debris, etc. Many owners will plant the area with well cared for trees and floors. If it is an apartment complex and you have a pet you need to find out if there is a special area for the dogs. Make sure that you clean up after your dog once it has finished its business. Your garden apartment may have a small yard or patio. If your garden apartment has either of these two amenities, it would be a good place to have friends and family over for a barbeque.

Each garden apartment is a separate household unit but all of the tenants share any amenities, such as a swimming pool or exercise room and the main outside grounds. The apartments have their own controls for the heat and air conditioning and bathroom and kitchen facilities. In some places, it may be called a walk-up garden apartment because it has an outdoor staircase. With garden apartment complexes that offer premium services like a weight and exercise room or sauna may be charged an extra monthly fee to help with the upkeep and have a key to let them into these facilities. By having a key, it prevents those that choose not to pay the extra fee from using these premium facilities. Some may even have a laundry room for the residents. The rent for a garden apartment would be much the same as a regular apartment but it depends on the location and amenities.

Financial Considerations Of Home Ownership

While we often, refer to, home ownership, as a core component, of the American Dream, it’s important, for us, to take a realistic look, at the obligations, and necessities, involved, if this is, to truly be a dream, instead of a potential nightmare! Before embarking on this house – hunting, process, carefully, introspectively, objectively, examine and consider, your personal reasons, persona, what makes you happy/ satisfied, and whether, it’s a good course, for you. After, you’ve determined, what’s best, for you, and know, what you want, it’s essential to clearly consider, and examine, what you might be able to afford. This means, proceeding, in a responsible, well – planned, and considered manner, focused, on preparing for the many contingencies, of home ownership. With that in mind, this article will attempt to briefly consider, review, and discuss, a few steps, which should, both reduce unnecessary stress and hassle, and maximize the potential enjoyment!

1. Reasons for buying that house: Why do you want to buy, any specific house? Does it meet your present needs, and into the future? Or, are you looking, at a shorter – term, and want to live, there, for a shorter – span, and, then, relocate, when needed and necessary? Are you the type of person, who enjoys moving, or would you rather, remain in your present quarters? What are your needs, goals, and priorities, in terms of location, neighborhood, schools, costs, transportation, conveniences, etc? Why, this house?

2. Down – payment: Do you have the necessary funds, to have the down – payment, while avoiding, placing too much stress, on yourself, because of using these funds? Smart homeowners prepare, and make their journey, far less stressful!

3. Needed reserves: The best way, to proceed, is to put together, several reserve funds, in order to ease your way, forward! Once, you’ve purchased your house, most people face monthly fixed expenses, which includes mortgage payments (including principal, taxes, and escrow items, such as insurance, etc), utilities (electric, heat, telephone, television, internet, etc). Realize, owning a house, requires preparation, for affording the costs of regular repairs, including appliances, heating, water, etc. Create a reserve fund, for this specific area. Also, realize, houses require attention, and certain items, have useful lives, and will need replacing, such as roofs (rated from 20 – 40 years), appliances (including washer, dryer, refrigerator, oven/ stove, dishwasher, etc), painting or power – washing, etc. At some point, many realize, their house needs certain upgrades, renovations, etc. The better prepared, the easier this process!

FINANCIAL DEFENSE The True Path to Wealth

“Congratulations! You play fantastic offense” This was said sarcastically by Thomas J Stanley in his famous book, The Millionaire Next Door. I have not read or listened to this book in more than eight years, but I still remember this phrase. That one, and the millionaire saying, “I drink two types or beer. Budweiser and Free.”

The message in his book is that you need to watch your spending with more tenacity than to increase your income. Obviously, it is a combination of income and spending that creates wealth, but controlled spending is far more important. As long as you spend less than your income, you will be moving forward, and consistent progress will make you rich! The problem I often see is that people spend what they make, or worse, spend more than they make. In either of these scenarios, you are at best staying even, but most likely going backwards. Many want to be investors and entrepreneurs, drink the get rich Kool-Aid and focus all their energy on increasing income. That is what sells coaching programs, mentor-ships and advertising on TV shows. With energy and focus comes success, so many of these entrepreneurs and investors see results. And with the positive results of higher earnings comes… higher spending!

I am fortunate enough to live in a great neighborhood. Most people in the neighborhood are high income earners, but several of them live above their means. It is not uncommon for me to see neighbors move out of the area because they can no longer afford to stay. They are the same ones with the new cars and the extravagant parties. It is a look at me attitude and peers feed on the pressure to keep up. This creates a little spiral of friends living outside their means. But hey, at least they are all moving backwards together.

The ones that live below their means feel pressure to spend or get left behind. And on the surface, many of them do. One challenge about living below your means is it takes years before you realize the benefit. During those years it seems as though you are missing out. I see it so clearly and understand the pressure, but I also see a high percentage of our aging population that should be retired, working their asses off. They are stressed and busy and churning to get by.

If you have not yet, you owe it to yourself to read The Millionaire Next Door. This book really sank in for me on the power of financial defense. Of limiting spending and protecting your earnings. I am able to live in my neighborhood, provide for my family, enjoy my time away from the office, and many other benefits because of the control I had with spending as my income was increasing. As you invest earnings for income, instead of spending it, you will witness exponential growth of income.

If I recall correctly, the quote from the book “Congratulations! You play fantastic offense” was referring to a broke high earner. He made more than his peers but would miss a mortgage payment if his income stopped. That is not a comfortable life, yet he was proud of it. If I could help one piece of financial advice sink in, it would be to focus on defense before offense.

Travis and I both recently read the book, Set for Life, by Scott Trench. This is another fantastic book focusing on the correct way to build wealth and retire early. It is a simple formula. Spend less than you make and invest the difference.