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housebuyers4u · 4 years

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How to Negotiate the Best Offer for your House (Step by Step Guide)

Let’s face, Haggling sucks! Too high? Too low? Am I being taken for a ride? When it comes to negotiation on house price, most of us have woefully little experience.

That’s where we can help. We share our industry expertise on our top tips for negotiation – applicable for buyers and sellers – to ensure you hold all the cards when it comes to settling on the final house offer.

Let’s get started.

Negotiation via Estate Agents

Low Bids: Cheeky Or Worth a Try – What Should you Offer on a House?

Alternative Buying & Selling Scenarios

What Happens After a Home Offer is Accepted?

A Final Word

Interesting Facts about House Negotiations

Source: Thisismoney

1) Negotiation via Estate Agents

In this section we’ll look at 3 key areas:

Pre-planning: The house offer strategy

How to make a house offer

Negotiation: The house offer process

Pre-Planning: The House Offer Strategy

According to recent government figures, 83% of homes in the UK are sold via estate agents. Agents traditionally work for the seller – a contract is drawn up between the two parties, and their job is to negotiate the best offer for their client.

For buyers this means the home buying offer strategy begins with that crucial first contact with an agent.

Meeting an agent: The first question agents understandably want to know is your budget. Downplaying this a little is key, as agents are notorious for their ability to upsell, showing you properties that are a little overbudget. If you’ve hinted that you could go higher than your original quota this effectively lowers your bargaining power.

Do your research: Online resources such as Zoopla and Right Move make it easy to see what similar properties in any area have sold for, and that of those on the market today. The Land Registry website is also a reliable source to search average house prices in any given area.

Have you got buyer appeal? Perhaps you’re a chain free or cash buyer. If so, be sure to make this information is known to the agent as some vendors might be more open to accepting a house offer lower than the asking price for a hassle-free transaction.

Don’t use an agent for financial services: According to the Home Owner’s Alliance, a major source of complaints from both buyers and vendors is that of an agents conflict of interests. This can occur when buyer’s use the seller’s agent as a mortgage broker. When this happens the agent earns commission – and such a situation can lead to both buyers and sellers losing out financially. The Money Advice Service recommends shopping around to get the best mortgage advice, including that of your bank and independent mortgage brokers.

After the groundwork is in place, the next step is to find your dream property. When viewing this should be considered as the first step in your house buying negotiation strategy, so take care to ensure the following:

Research the property carefully

View more than once (different times of day, during inclement weather if possible, make notes of work that will need to be carried out, etc.)

Get sight of the EPC

Promote your buyer appeal (first time buyer, chain free etc.)

Even if you love the house try not to appear too keen

How to Make a House Offer

Once you’ve found the right property the next step is to make your offer. This is where those all-important house negotiation tactics begin to come into play. You put in the offer through the estate agent who then communicates this to the vendor.

It’s recommended that you put the offer in writing to the agent (an email following a phone call will suffice, and you can easily set up a house offer letter template prior to the time, filling in the relevant details). Doing this negates the risk of any confusion further down the line.

The seller then has three choices:

Accept the offer

Refuse the offer

Begin the dreaded house sale negotiation process

If your initial offer is in the right ballpark, the latter is the most likely scenario. The haggling process takes place through the agent. For buyers this might represents a disadvantage, because the seller has a professional working on their behalf. It’s possible to appoint a buyer’s agent, if you’re really concerned, but this isn’t necessary (plus it adds further costs to the house buying process).

Negotiation: The House Offer Process

Can you negotiate on a house offer? The short answer is yes and here’s how.

As a buyer, your opening gambit (AKA your first offer) should be considered the start of an exploratory process. The key factor here is to determine how flexible the seller is. To this end, the following tips will help direct you towards understanding what your first house offer should be.

The first offer should be below what you’re willing to pay: This gives you flexibility to increase it, should it be necessary. This is a key psychological aspect of house offer negotiation, as upping your offer will appear attractive to the vendor.

Give the reasons for your offer: Mention any work that needs doing (installing double glazing, roof maintenance, new boiler, etc.) and state estimated costs.

Use other properties as examples: If similar properties in the area have sold for less, this is a valuable bargaining tool.

Imply interest elsewhere: Even if this property is ‘the one’, there’s no harm in implying that there’s another property you’re interested in. Estate agents routinely use the ‘there’s lots of interest in this house’ trick to get you to make or up an offer. Telling them you’ve got options is a cheeky way to stop this tactic in its track.

Even if a seller refuses to budge on their asking price, all is not lost. Asking for extras is another strategic move in how to win a house negotiation. Such requests could include:

Asking the seller to contribute towards purchasing fees

Requesting that certain items are included in the sale (curtains, appliances etc.)

2) Low Bids: Cheeky or Worth a Try – What Should you Offer on a House?

Clues that a low offer might be accepted

How low can you go on a house offer?

How to respond to a low offer

Clues that a Lower Offer Might be Accepted

There are many reasons a vendor might accept an offer lower than the guide price, the key is to be aware of what they are. Spotting the signs is vital part of how to get your house offer accepted as well as knowing how much less you should offer to maximise your savings – the following are clues to whether or not the seller might be, to put it bluntly, pretty damn desperate to sell.

The house has been on the market for a long time: Reasons for this include being overpriced or that there’s an issue with the property, such as needing major structural work).

The house has been reduced in price multiple times: Apart from probably having too high of an asking price in the first place, constant reductions in price show a desire to sell ASAP.

The seller is stuck in a long chain: Property chains are a necessary evil when it comes to selling a property. However, they can cause indeterminable delays. If the seller has found their next property and is keen not to lose it, they may well be open to a lower offer for a quick sale.

The house is advertised with multiple agents: In such a case, the estate agent will be keen to clinch the sale in order to get their commission.

Related: Why your house isn’t selling & how to fix it step by step

How Low can you go on a House Offer?

According to This Is Money houses in the UK sell for an average 3.5% less than the original asking price. The image below shows the percentages for a number of the UK’s largest cities.

This, naturally, varies around the country.

From the above image we can learn that the lowest average properties are sold in Bristol and Manchester (2.2%) and the highest average property is Edinburgh (8.3%).

Houses in London on average are 4.8% lower than the asking price.

A rule of thumb would be to go in at around 10% below the asking price. There’s a fine line between negotiation and insulting a vendor. What is a cheeky offer on a house that’s worth consideration to one person could completely undermine your credibility as a genuine buyer to another. Take into account the reason the house is on the market – the owners of a treasured family home that’s just been offered for sale are not likely to be impressed by a derogatory offer.

How to Respond to a Low Offer?

If you’re the seller, receiving a low offer can bring about many reactions – most of them emotional. Of course, you’re perfectly within your right to refuse. But before you do so, consider the following:

You've Actually had an Offer!

Take time to reflect

Consider the Buyer

Review the Market Again

Would you be Better Off Using a House Buying Service?

Someone is interested in your property, and this is the starting point from which the house negotiation can begin.

No matter what, always remember that as a seller you’re the one in control. If you don’t like an offer, you don’t have to accept it.

3) Alternative Buying & Selling Scenarios

In this section we’ll take a look at a couple of alternative buying and selling scenarios and they are:

Auctions and negotiations

New builds

Open negotiations

Sealed bids

While estate agents remain the more common sales route, other alternatives don’t necessarily mean you can’t negotiate a better deal.

Auctions & Negotiations

Regular house auctions, as in where bidders (either in a room or online) bid until the hammer falls, are only open to negotiation if the property fails to sell. In such cases there might be a case for the vendor accepting a reasonable house offer post-sale.

More common scenarios are that of open and sealed bids.

Open negotiations: In the same way as negotiating a house offer through an agent, make your opening gambit lower than the price you’re prepared to pay (by around 5-10% is a good guide). You’ll usually be informed if a higher offer is received, giving you the opportunity to increase a second or even third time.

Sealed bids: Although you might be desperate to clinch a deal, do not be tempted to bid more than you can afford. The vendor will usually accept the highest bid, so a top tip is to not offer a round number. Offering £255,075, as opposed to £255,000 could mean you trump a bid close to yours.

The key approach with both open and sealed bids is to carry out the same due diligence as when buying in a more conventional manner.

New Builds

Many people mistakenly believe that there’s no room for negotiation on the house price of a new build. Nothing could be further from the truth, and buyers often have more wiggle room in such a case.

The following are our top house buying negotiation tips for purchasing not only new builds but also standard properties too.

4) What Happens After a Home Offer is Accepted

When is an offer legally binding?

Gazumping

When is an Offer Legally Binding?

Agents are legally obliged to pass on any offers right up until contracts are exchanged, the point at which an offer becomes legally binding in England and Wales (different rules apply in Scotland). Up until that point either party can pull out. However, according to Co-op legal services, doing so may still leave buyers and/or sellers liable to various fees.

When this occurs due to the vendor accepting a higher offer, it’s known as ‘gazumping’. If you’ve managed to negotiate a particularly low sale price the chances of this happening are, naturally, higher.

Gazumping: Is Gazumping Illegal?

No and being gazumped can be extremely costly, with the potential risk of losing large amounts of money in solicitor’s fees, search fees and survey costs. If it happens to you, the only choice you have is to increase your offer over and above that of the gazumper. One way to lower the risk is to request that the vendor removes the property from the market. If they refuse, consider whether or not it’s worth the risk of losing out should another buyer make a higher offer than yours.

A Final Word

The majority of house buying negotiations take place through an estate agent, removing the need for awkward face-to-face haggling. Research is the most crucial aspect of the negotiation process, providing you with the necessary knowledge as to how to make the best house offer.

Despite your best efforts, a vendor might not accept your final offer on a house. If this is the case, and it’s the maximum you can afford, then it’s time to look elsewhere. However, by following our key tips for house negotiation, we’re confident you’ll be well-placed for securing your chosen property at a truly realistic price.

This article was brought to you by http://housebuyers4u.co.uk/

#Property #real estate #estate agent

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dippedanddripped · 5 years

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When it comes to speaking on music and the brain, Ewan McNay speaks in long, fast, almost breathless paragraphs replete with neuroscientific terminology.

But if you ask him directly what he'll be saying in an upcoming talk at the Guilderland Public Library, his message boils down to a single, simple imperative.

"What I'm going to tell everybody," says the UAlbany professor and authority on brain function, "is they should go play music."

McNay was invited to speak by the organizers of the Bach Cello Suites Workshop, where he'll be addressing participants of the weeklong summer immersion at The College of Saint Rose. The subject then will be the effects of Bach on the brain. The subject this time is the effects of music generally. And there are many.

Before unpacking them, I should note what I've admitted here before, and that's my parallel life as a humble but happy fiddler. I am by no stretch a virtuoso. I hit lots of wrong notes. But what McNay plans to tell his listeners on Wednesday is more or less what I've been saying for decades to anyone who'll listen: Go. Play. Music.

Doesn't matter what instrument you play, which genres you dabble in, how skilled or unskilled you are — it's among the most rewarding, sanity-inducing activities you could possibly engage in. And, it turns out, it's good for your brain.

First, memory.

"For folks who practice intensely, either professionals or dedicated amateurs, there's an increase in their working memory — not just with regards to music, but across domains," McNay says. If someone rattles off a series of digits, a musician will remember them better than a non-musician. "The connectivity between brain regions is enhanced. There are a couple of ways you see that. It's most dramatic when you put someone in a scanner."

But before you slide them in, consider this: "All the methods that we use in humans for looking at functional brain activity are basically measures of metabolism" — that is, they determine which parts of the brain are using more glucose in any given moment. If you scan a musician's brain while they're listening to music — or, even better, playing it — you'll see a deeper activation in more areas of the brain.

How many parts? "The answer is lots," McNay says. With lots of cross-pollination: Simply reading a piece of sheet music instantly activates the auditory cortex inside the temporal lobe. "Even if you're not conscious of hearing it," he says, "your brain is hearing it. That is not true for non-musicians."

Asked whether he plays an instrument himself, McNay quips: "You could ask my teacher." But yes. The piano. "I wouldn't describe it as playing. I would say I attempt to play the piano." Lately, he says, "I'm playing some Chopin, I'm playing some Billy Joel, I'm playing a Beatles duet with my son."

Playing music with others is, he confirms, a form of communication. Here he mentions mirror neurons, the brain cells that fire when you're taking an action or observing someone else taking an equivalent action — whether it's playing the cello or shooting hoops. In musicians, music activates the brain's motor programs: Just as writing something out is more effective than simply reading it, playing music puts a big dent on your brain.

In general, musicians process languages faster. It's not that they can necessarily learn them faster; but for the tongues in which they're already conversant, they're more adept at comprehension. They're better at pattern recognition, too. Like a chess master faced with an unfamiliar board, they can look at a new piece of music and grasp it more quickly — assuming it all makes melodic sense. If it doesn't, if it's just random notational gobbledygook, forget it.

And another thing. A weird thing.

"For a musician that is playing an instrument," McNay says, "that instrument – in a fairly literal sense — becomes part of themselves." The phenomenon was demonstrated in the "rubber hand" experiment of the early 2000s, when subjects began to feel ownership of artificial arms after scientists stroked them in the same direction, at the same time, as their actual body parts.

It all happens in the right parietal cortex. "That's where we integrate all the different sensory streams" — including sight, sound and a sense of our bodies in space. And that's where self-image is constructed.

For anyone who's played music with intensity and dedication, the instrument is built into the self: Something touching the cello is perceived as something touching the cellist. The same is true of competitive fencers — "when they pick up a sword," McNay says, "that sword becomes part of their body."

More Information

If you go

"Music and the Mind: The lifelong benefits of music for the brain," with Ewan McNay

Where: Guilderland Public Library at 2228 Western Ave.

When: 7 p.m. Wednesday

Admission: Free

Info: bachchellosuitesworkshop.com

Contact Amy Biancolli at 518-454-5439 or [email protected] or visit the arts blog at http://blog.timesunion.com/localarts

As he explains all of this, I flash back to my mother. A concert violinist, she always spoke of her instrument as her other voice — as a natural, expressive extension of herself. As far as her brain was concerned, it was. I am not the musician my mother was, so I can't say the same of her violin in my hands. I don't practice nearly as much. I also have minimal grounding in music theory, having absorbed most of its complexities subconsciously.

But my ear knows what's going on. My left hand knows what's going on. They speak to each other, bypassing my utterly clueless conscious brain. When I solo on a jazz tune, I can't tell you what I'm doing, but I do it.

When I describe this to McNay, he assures me I'm not a crackpot. "That's absolutely true." It is? "Oh, it's totally true. It's way true. You can actually illustrate this really easily."

Basically, all of us have a limited capacity for conscious attention. Stuff gets relegated to the unconscious, but that doesn't mean it doesn't register at all. "Your brain is aware on an unconscious level," McNay says. And muscle memory has a mind of its own. Think of it this way: If you consciously tried to flex every muscle involved in walking, you'd fall over. "You trust that your muscles know what to do."

That said, you do need to stay focused while making music — that's the beauty of it. No multitasking allowed. "This, again, is a question of attention. You could play music without paying attention — you could suck, but you could do it. Likewise, you could ski without paying attention, but you'd crash."

If I love playing music with friends because it empties my mind of its everyday aggravations, I'm not alone. "You haven't got the brain capacity to think about your mother-in-law or your mortgage or the leak in the roof," he says. So I'm fiddling while Rome burns. "Basically, yes."

One thing playing music won't do for you: "It doesn't stop you from getting fat," McNay says. "You've got to go to the gym as well." But that's good for the brain, too.

In short: Playing music "has a bunch of benefits. It decreases your reaction time. ... It increases your memory ability in regards to aging, in many ways. It probably does improve your ability to communicate — if only because you recognize and process speech faster. And it's fun," McNay says. "It's fun."

#music blog #brain #brain function

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mrsteveecook · 6 years

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how can I help an employee who has no attention to detail?

A reader writes:

I am an attorney and have recently been promoted to the point where I am supervising junior attorneys’ work.

One of the juniors who works with (and for) me, let’s call her Jessie, and I are pretty friendly. She’s a genuinely lovely person — friendly, kind, and we have a good working relationship.

The one thing that Jessie struggles with is attention to detail. She’s aware of this, and our managers have raised it with her (but not put her on a performance improvement plan).

This comes out in two key ways — the first, typos and misspellings in court documents. It’s not a one or two typos in court documents — it’s also getting parties’ names mixed up. Let’s say, on average, two to three mistakes per page.

The second way is with evidence, which is a bit more serious long-term. When she’s been assigned to review and collate evidence, she doesn’t pick up that the client’s evidence doesn’t say what the client says it does. Her lack of attention to detail means that she has failed to pick up holes in client’s evidence — and then our team gets surprised when the other side turns around and says that the evidence doesn’t say what we think it does. An recent example is when a client said that they used all the funds from a sale to pay off a mortgage. Jessie didn’t pick up that the documents they provided showed that $300k of it was used for non-mortgage reasons.

Jessie and I have spoken about it. She says that she’s tried reviewing things a final time before sending them, but still doesn’t pick up on them.

Because of my relationship with her, she’s been really open when I’ve tried to suggest ways to help her get better, and doesn’t get upset when I raise it.

So I feel I am in a position to help her, and I want to. These kind of issues will prevent her from being promoted within the legal field.

However, I am stuck. How can I help her get better? What tips and tricks are there to improve attention to detail when it doesn’t come naturally? How do I help someone’s performance improve? How does she help herself improve?

I … don’t know that you can. In fact, I suspect that you can’t. What you’re describing are really serious mistakes that sound like they may go to her fundamental fit for the role. It’s one thing to have a typo or two in a document — not great, especially in legal documents, but usually fixable. But multiple mistakes on every page? And even more importantly, missing something as key as that evidence doesn’t say what it’s supposed to? That’s very likely to be a sign of a core, fundamental mismatch with the role.

If she were just not paying attention because she was overly cavalier about the work, that would still be pretty problematic. But she says that she’s tried paying more attention and it hasn’t solved the problem. Some people don’t have great attention to detail! But that makes them ill-suited for roles where it really matters.

And missing what the evidence really says is might not just be about attention to detail. It may also be about reading comprehension and/or judgement and/or critical thinking. And those are not things you’re going to be able to teach, and they’re also things she has to have in order to work in law.

You asked what you can do, and honestly the most helpful role you can play here might be helping her figure out pretty quickly whether or not this is a field where she’ll do well.

The things you can do are the things you’ve already done: you’ve highlighted the problems for her, made sure that she sees where she’s making mistakes, and made sure that she understands that these are serious issues in work.

Well, actually, let’s back up for a minute. To what extent have you done that last item? Is it possible that in a quest to be kind, you’ve prioritized sounding supportive over making sure that she understands that these mistakes will prevent her from being successful in her job, and could (will?) lead to her being let go if she doesn’t fix them quickly? Sometimes managers try to be kind and supportive at the expense of giving it to someone straight — when it’s actually far kinder to let someone know if they’re putting their job in jeopardy.

So if you haven’t been very clear with her about that, that will be helpful to do.

But I think you’re looking for tips to improve her attention to detail, and that’s just not something you can do for her. I mean, yes, there are small suggestions you could make that might help around the edges, but the problem is big enough that I don’t think that’ll fix it. But for the sake of being thorough: You can suggest that she set work aside until the next day and then re-read it with fresh eyes, if timelines allow for that. You can suggest she try reading things out loud, which helps some people suggest mistakes. You could also ask how she dealt with these challenges in law school, because this stuff mattered a ton there too. Maybe she had strategies there that she doesn’t realize she still needs to be using now.

Ultimately, though, she may not be right for the job. It really sucks when that happens when someone is trying hard — and especially when they’re a lovely person and you genuinely like them — but it does sometimes happen. The best thing you can do is to make sure she really understands the problem and the stakes, and be as kind as you can if it does turns out she’s not able to do what you need.

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Im a covered driver under my parents insurance policy. I pay for full coverage myself. I just financed a new car all by myself (my Parents arent on the loan or on my new registration). The car dealership is giving me such a hard time about my insurance, theyre saying im not insured, only my parents are, and i would either need to get my own policy (which would be a lot more expensive) or add one of my parents to the registration/loan. Neither my parents, our auto insurer, or i understand why this is the case. Can you explain This? is the car dealership right??""

Third party fire and theft? car insurance?

hi im currently searching for car insurance and ive been quoted 2800 for comprehensive insurance and when i gave third party fire and theft it came out to 1700 the car is a corsa 998c 2006 what is the difference between them both? thanks

What is your answer to reducing health costs and improving health care in America?

How do we go about this without drastically increasing out health insurance costs? Of course we all need to practice healthier lifestyle habits, but fiscally how do we improve our nation? Should we adobt other nation's practices? if so, whose? How do we improve health care across america and lower the costs to the citizens who utilize that care?""

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

Insurance on 1995 BMW 318i heeelp?

I am a 20 year old college student that is looking to buy his first car. I am currently ON MY PARENTS INSURANCE and i am thinking of buying a bmw 318i 1995 automatic trans with around 140,000 miles on it. Around how much would the insurance for this car be? I just need a rough estimate just to see what i'm working with. Thanks""

How much will car insurance run for a 17 year old male?

for a 85 monte carlo old school big body

Can i register a car under my name but put it under my parents insurance?

hi i live in New York and am about to buy a car but im not sure how to insure it. im am currently under my parents insurance as a secondary driver. if i register the new car under my name can i stay a secondary driver or will i have to change to primary driver? being a secondary driver is obviously way cheaper than primary. also does anyone know how to transfer ownership of the vehicle when i buy it? i know i need a bill of sale but how to transfer the title? and is there anything i need to do? i went to the DMV website but its pretty confusing. thanks in advance

Do I need a canceled registration receipt from my license plates to get better car insurance rates?

My wife got into a car accident and totaled our car. i bent the license plates in half and canceled our policy. its been about 3-4 months and now we bought a new car and were trying to register again, but all the car insurance places are giving us high rates. i think its just cause we've gone so long without insurance but my wife thinks its because we didnt send the registry or the insurance place the receipt for canceling my plates (which i did online). so which is it?""

If you rent a budget truck will my insurance company insure it while im driving it?

Is Car Insurance paid Monthly or Yearly?

I was reading an article about the Toyota Prius and it said insurance is about $1400. Is that $1400 a month or a year?

What homeowners insurance do you use/recommend?

I am looking for homeowners insurance for a home in California. We have 2 dogs, one which is a German Shepherd. What insurance carrier works well with dog owners?""

Is having health insurance and Homeowner's insurance a sin in Islam?

In the US, Obama just passed his new healthcare bill that requires all Americans to get health insurance, and fines them a penalty if they refuse - but Muslims are exempt from this because they said that having health insurance is not allowed in Islam. Is that true? If so, what do you do when you get sick....how do you pay for the medical treatment? Also, the news mentioned that having homeowner's insurance isn't allowed either...but here in the US, you can't get a mortgage unless you get homeowner's insurance. I mean, if you didn't have it, and say, your house burned down, you would loose everything. Do most Muslims who live in the US have insurance anyway, even if it isn't allowed?""

""Getting a used car, and insurance the same day (which first)?""

Today I will be looking at a used car a costumer has in their mechanics shop. There is a Geico agent right around the corner from where the vehicle is, and I would like to know, if I should get insurance on the car before I test drive it, or after I know I want to buy it. I also would like to know how will I drive it after I have bought it without it's license plates, and if I can would I be able to take it to the DMV, and get plates the same day?""

What is the average price of teen insurance?

18 Yeasr old with 94 ford taurus wagon. cheapest insurance??

I'm 18 and just got a 94 ford turus wagon for my first car. where do you think i should get my insurance?

I might be pregnant where do i go to get a test were i have no insurance?

I have taken a HPT and it came up negative, but i didn't get my period. I have no insurance I just moved and started a new job. So where do I go without paying a lot of money?""

Insurance in college?

My mom tells me that you have to go to college directly after high school in order to stay on your parents' insurance plan or you get taken off and have to work full-time to get insurance. However, my question is if you get a job after high school and get insurance for yourself and then decide to go back to school a year later can you get back on their plan.""

Any suggestions on first time driver insurance in the nyc area?

I need suggestions on good affordable insurance, keep in mind Im a first time driver.""

Complicated car insurance question?

ok, i am 17 and want to insure a land rover. If i took out my own policy now, it would cost a crazy 3500. heres my solution but i dont know if its legal and/or valid. 1. give money for land rover to my dad. 2. dad buys land rover, so it is technically his. 3. dad takes out insurance policy in his name for the land rover. 4. i go down as a named driver on my dads policy for the land rover ????? is this allowed ????""

About how much would liability insurance be for a lawn care business with 2 workers?

Any idea of what liability insurance would be monthly for a brand new business that mainly mows, weedeats, and blows trimmings/leaves? Only 2 guys working (partners) the yards and one secretary/accountant.""

Where can I find cheap car insurance in Philadelphia?

I know the auto insurance rates in Philly are expensive. Why is this and where do I go to find the best price?

Where can I find affordable health insurance for me and my family?

How can I find affordable heatlh insurance for me and my family? We are currently unemployed with no health insurance.

Are there any ways to make car insurance chaper when your 17?

In october im going to be 16 and neither me or my dad want to pay the massive charges for insuring a teenager that has just passed there test at 17. What i would like to know is if there is anything i could do when im 16 that would make the insurance cheaper, for example getting a scooter and riding that so i have one years no claims or getting driving lessons in a private area where it is legal. Or am i going to have to pay the massive insurance charges no matter what? Thanks for your help Daniel""

Best Insurance for Speeding Tickets?

I will be getting married in a month and need to get new car insurance. What insurance companies offer the best rates for people with speeding tickets? I have 2 speeding tickets, and my fiance has 2 accidents on record... any suggestions of the best places to start looking?""

Car Insurance Help?

Where can I find Car Insurance with no license needed answer ASAP??

If an insurance company estimated the damage on my car at $800 and I later find out it is way more can I go ba?

My car got hit, their insurance company sent me to a mechanic shop to get an estimate, they said $823 and the insurance sent me the check. I just took the car to the dealership and they said the damage was $3100, can I go back to the insurance and ask for the difference?""

Motorcycle insurance for a 16 year old?

I was wondering what an average motorcycle insurance rate is for a 16 year old male in VA, good grades, no tickets, i plan on taking the MSF course, no accidents, would drive a substantial amount, play sports (i don't know what really factors into insurance costs, so i just listed some stuff i figured or have heard affects motorcycle insurance)""

Best Home/Condo Insurance Companies?

I am looking to obtain insurance for my condo in British Columbia, and was wondering if someone could recommend the best company to with. Currently I am just familiar with BCAA who ...show more""

How to ask an insurance agent about quotes?

I'm 17 and I live alone with my boyfriend who doesn't know much about these things either. (My point is I don't have parents to teach me these sorts of things) I know this sounds really stupid but when I call insurance companies do I just say hi I was wondering if you could give me a quote like I feel so awkward ): how should I approach it when I call them? I don't even know how insurance worksssss, help""

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

No auto insurance on loan vehical in california?

My auto insurance through farmers insurance has lapsed as of December 1st on my vehicle which I have a loan through coast hills banking. I really am having a hard time getting the money together to get it going again. I told my husband even if a couple Bills go behind I have to pay it by Feb because I'm getting very nervous that it will be taken From me. Has anyone ever had to do this before? its my first time in this scary bind but I got in an auto accident that took my insurance money from me to pay for it so can someone tell me if its possible to loose my vehicle? Thank you

If i take an online drivers ed what will it do to the price of my car insurance?

The insurance companys told me that my insurance would be cheaper if i take the actual driving class. but will it still be as cheap if i do the class online?

Service Charges for Auto Insurance?

I'm getting quoted for auto insurance, one of the quotes has +service charge , but other cars from the same insurance provider don't have this. Why would auto insurance have a service charge? Is this a normal thing? And if so how much is it normaly? I'm assuming its a % of the quote... Thanks.""

Why the health insurance are different than car insurance?

I mean insurance is protection and give you money when you got into situation that cause loss or expenses. But why car insurance are less picky and more willing to give money to pay out than health insurance? Why more rules and more restriction and more reject the coverage with health than car? I mean I understand insurance is business and for profit so they has to refuse the claims if loop hole. But it shouldn't be any different on health or car coverage.

IS THERE A LISTING OF CAR INSURANCE COMPNANIES?

No auto insurance on loan vehical in california?

How much is car insurance?

I am in Delaware. I am starting grad school and I will have very little money. But I am considering getting an old car just to get around and save some time. I'm a 26 year old girl so I know I'm not in the worst catagories. I just want a basic idea of whether or not it will break the bank to consider a car.

What car insurance would you recommend for Massachussetians like me?

I'm 21, have been driving since 16, never been pulled over, good grades. I just need the cheapest insurance out there so that I can register my car. Also, what is liability insurance? It sounds expensive...""

Do Dashboard Cameras lower your insurance rates?

Homeowners insurance in Valrico FL?

I am interested in buying a home in Valrico FL. Particularly Diamond Hill, a golf course community. Great price, but we are new at buying and have no idea what insurance might be on this place.Just to factor it in for our monthly cost. It is a 3/2/2 1800 sq ft @ $110k. no pool. I mean were talking just a rough estimate, close figure something. Again we have not the slightest clue as to what it could be. Any advice is really appreciated.""

4 years after DUI... insurance?

so when i was 21 i got a dui (it's called an oui here in Maine, but same thing). PLEASE DONT JUDGE ME I KNOW I WAS YOUNG AND STUPID. anyway, i ended up selling my car to pay for the whole mess since my license was getting suspended anyway. since then i have been a happy bicycle commuter! now the time has come for me to become an adult woman again and get my license back because i have enrolled in a college that is not in biking distance. I have signed up, paid for, and in 2 weeks will be taking the DEEP class required by the state of Maine in order to be licensed again. basically i am curious about my insurance premiums. i haven't had my license for almost 4 years, but i have read online that your insurance will have to be sr22 and all expensive and whatnot for THREE years. also, i have since turned 25 and will be 26 soon, so i expect a rate decrease from that. i guess my question is: have i managed to bypass the higher insurance rates because it has been 4 years? if so, it almost seems too good to be true. i am highly suspicious. can anyone give me some insight as to what to expect when purchasing my insurance? thanks chums""

Mustang GT for a teen? insurance question?

When i graduate from highschool my dad is going to buy me a mustang GT 2005 and i was wondering if it was a good choice. when i go to college i am goin to hav a job so will i be able to afford a mustang insurance? How much will it run about (estimate). Thx in advance, ~Key key24~""

What are some good homeowner insurance companies in Louisiana area ?

i want to have different quotes from different companies ! but i don't know much about this.. by the way what is the average premium homeowner insurance in LA ?

Cheap car insurance for young people?

i just turned 15. ive gotten a few quotes and all of them are around 300 dollars a month. who should i get my insurance with and what type of car will make it the cheapest.? Please help.

Health insurance for individual?

Trying to find the best plan for myself. I am 30 yr old female self employed. I have an ok job right now so a high premium is not going to work. But I am fairly healthy and never really go to the doctor. I guess I need insurance for those what if moments that I hope never happen. Also I live in Pennsylvania. This is what I have found the HMO premiums are just too high but none have deductibles. The PPO plans all have deductibles but the premiums are lower. PPO Deductibles $2500 cost $188 a month,20% coinsurance $5000 cost $164 a month, 20% coinsurance PPO Advantage Deductibles $1500 - $142 a month, 20% coinsurance $2500 - $120 a month, 20 coinsurance Right now I'm leaning towards the lowest deductible advantage plan at 1500 @142 a month and a 3000 out of pocket max. It seems reasonable all the preventative care, primary and specialist are all copays w/out deductibles so say I never go tot he hospital I'm basically just paying a monthly premium and the copay. My issue is I have gone uninsured before and knock on wood nothing happened never even needed to use a cvs minute clinic. But as I approached 30 I realized maybe I should get health care for myself just in case. I do have the !500 set aside in an account that was supposed to be a splurge fund for vacation but now it may also just be a medical fund. Anyways, based on the above all co-pays are $30 and $50 for specialist. Do they sound reasonable?? Insurance is so hard to understand *sigh*""

Cost of car insurance for 46 year old?

What is a good website for getting non owner sr22 insurance?

Non owner sr22 insurance. I don't own a car and I do not have the time to make calls for insurance quotes. So I'm looking for a good website for getting cheap non owners sr22 insurance. Anybody knows someone? Thanks

How much is Allstate Car Insurance for and 18 year old in North Carolina?

Live in North Carolina have a Honda Accord

Good insurance for a small liquor store/market in Los angeles county?

I am looking for a good commercial insurance company for my newly purchased small liquor store/market in southern California. It's a tiny 850 sqft store. I am looking for one that is reputable & lower price. Anybody know? What kind of coverage should I get? approximate cost? best most helpful answer gets full points!

Cheap No fault insurance for 18 yr old?

Insurance on a 1998 Toyota Camry 16 y/old about to be 17?

Ok so i need your help. I am 16 years old and about to be 17 im going back to the u.s. and have a old 1998 toyota camry waiting for me (btw yuck) ok and my parents said to drive this until my insurance lowers and theyll get me a new car by graduation which is next june. So my question is how much do you think my insurance will be? Its a fairly old car and not in a good condition and i have had 1 accident which was pretty big but not completly my fault like 60%

""If someone hits your car and you don't have insurance but you weren't driving it, will they still pay?""

If someone hits your car and you don't have insurance but you weren't driving it, will they still pay?""

Lowest insurance rates?

""If you have or had a ninja 250 at 16-18, how much did your insurance cost and who where you with ?

Does the bundle up insurance on some companies actually save you money ?

How much will my car insurance go up?

I already pay $270 a month for car insurance for my truck. If I were to buy a 1992 Jeep Wrangler, how much more will it go up?""

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

How to go about getting car insurance?

I live in California and I am moving to Texas in June. Im 23 and I dont have a car currently but I will buy one when I move to Texas. I dont know how to go about getting car insurance, though. What is the process of getting car insurance? When should I get it? Before I buy the car? How do I get it (or where do I go)? Do I need to give the insurance companies any documents to get the car insurance? What do you recommend that I do right now? Thanks.""

How do I get a homeowners insurance for an LLC?

Me and a partner have an LLC under which we own the home we live in. We are now looking for a homeowners insurance but are having some difficulties finding one for an LLC. How do we go about this?

Allied car insurance coverage?

my 17 year old daughter wants to drive my car but i keep telling her that i have to add her to my insurance so if she did get into an accident the car would be covered. I went online looking for the policys that Allied car insurance had and i couldnt find the answer i was looking for... but i did some searching online and some other companies allow a person that lives within the household they would be covered, or i seen that some companies would provide coverage for new drivers and my daughter got her license about 3 months ago soo i suppose she is a new driver. The other thing i saw was that some companies put coverage only on the car but not the driver. So if anyone knows what Allied car insurance policy is, go ahead and post an answer for me, also please don't just post a link to their site and say well take a look for your self, I will be picking best answer. -Thanks""

How much does a car insurance agent earn per car insured?

what is the average earnings a car insurance agent earn per car insured? i am looking into the possibility of becoming a car insurance agent in the very near future.

How much will my insurance be every month?

I am 19 years old. I live in Lufkin, Texas, USA. I make around $24,000 a year. I have good credit and I am about to purchase a 2005 Honda Civic Coupe, 2-Door. The dealership says I need to have full coverage insurance on my new car, about how much am I looking at each month?""

Can I drive my uncle car but im under my grandmothers insurance?

I am under my grandmothers insurance and my uncle let me borrow one of his cars for a month. the car is under his insurance. if i was to get pulled over would i get into trouble for driving his car. all of his insurance information is in the car and his registration. and will i need to bring proof of me under my grandmothers insurance?

What is the best insurance for a new driver?

Im 18 and just got my license in october 2013. I bought a 1992 honda civic and I dont know what insurance is best for me. What do you guys suggest? I live in orange county, if that helps haha thanks!""

Does anyone know an insurance plan for health and dental?

I am in need of health insurance and dental and i a in between jobs does anyone out there know a decent affordable insurance company that offers help to people like me thank you in advance

Can i insure my car under my dads name?

so im an 18 year old boy right now i drive my dads old car under his insurance, and the registration is in his name, and thats all fine and everything. however my mom is renewing her drivers license soon (she had an accident that didnt allow her to drive for a few years) so my dad is giving her the mini van back and obviously, taking his car back. luckily, i have been anticipating this happening, as all good things must come to an end, and have saved up for a car of my own. i found one, and i went to get an insurance quote and found it was near $90 a month under my name. I put in the same coverage but with my dads information this time and got a quote of $30 a month for the same car. (because apparently 18 year old boys are dangerous drivers or something?) any way, what i am wondering is can i buy the car, and get it registered in my name, but have the insurance covered under my dads name? or should i just give my dad the money for the car and have him buy it and put it in his name and under his insurance but i just drive it, much like what we do now?""

How much should I pay for liability insurance for a non-profit?

I'm from a non-profit volunteer organization that wants its volunteers to teach a 16-session class. Normally, we teach in a local high school, but given the time in the school year, I would like to teach in a public/community setting over the summer. In order to get a public place (library; community center) to host this class, I need to take out liability insurance. I've asked my supervisor whether our organization has liability (no response yet). If we don't currently have it, what is an affordable company to buy it from? How much should my organization pay for a minimal premium?""

What kind of insurance do I need?

I provide training workshops for colleges and the school I am currently doing work for asked me to send them a certificate of insurance. They said, they need this in order to process a purchase order. What kind of insurance do I need? I've never had to do this before? Is it general liability insurance? And generally, how much does it cost?""

Which Car Insurance is better for a teenager in Texas?

I'm 18 years old and trying to look for a cheap car insurance. I am at College seeking a job and the cheapest is Acceptable Insurance,110/month.""

Will my parents' insurance rates go up?

I recently got 2 traffic tickets (1 for speeding and 1 for disobeying a traffic control device). However, the car I am driving is registered under my parents' policy and I am not the primary driver for it. Will my parent's insurance rates go up because of this, or will this only affect my driving record?""

What is cheaper for insurance a red car or a black car?

How much is Car Insurance in Korea?

I live in Korea and am looking for a car insurance package that's inexpensive. I've been told they're about 300,000 Won per year, but I'm sure there are cheaper options available. Thanks!""

How much would cheap car insurance be in california?

im 18 and its my first car whats a good estimate for cheap insurance

Car Insurance HELP ?!?!?

A couple weeks ago I was involved in an accident which was not my fault. The claim adjuster figured that it would cost 10k to fix my 03' VW Passat. The insurance ended up totaling the car because it cost more to fix it then it was worth. I was not finish making payments on the car. I was wondering if it's true that the insurance company will give me money to purcahse a new car even the last car was not finished in payments.

Motorcycle insurance for 18yr old first vehicle(sportbike)?

I am considering purchasing a 2007 Kawasaki ninja 250r. I was wondering how much insurance would be for me(18) if it was my first vehicle . I have no prior car insurance history. And I just got a motor license.

Best car for me (47 year old male)?

How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?

What does term life insurance cover?

does term life insruance cover any death. Like lets say there is an earthquake and the insured dies.. would the term insurance cover it? or does the insured have to die of old age?

I am looking for a good team name for an insurance agency.?

we are selling insurance products, estate planning and other financial products.""

""Car insurance, when does it drop?""

Im 19 years old, and payed $155 a month for my car insurance, a year later, no accidents tickets or anything and its $106. Definately not complaining, but i was just wondering if theres some sort of formula insurance companies use.. because i always thought when you turn 25 it goes down dramatically, but this for me is pretty dramatic. And also one year from now can i expect it to go down 50 more dollars?? thanks in advance""

When will we be required to have health insurance?

When will government make us buy insurance?

Home owners insurance?

I was wondering why insurance adjusters don't bring out in-fared while checking for home damage?? after all we pay for the insurance don't they have to look for the damage and have to be honest...

Used Car, How Much Insurance?

How much would I have to pay for insurance on a 1998 Nissan Sentra for $1,495? How much are taxes in Canada? 13%?

https://www.linkedin.com/pulse/how-much-i-need-pay-road-tax-all-insurances-motorbike-cleofa-escobedo"

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Janalakshmi gets final small finance bank licence

The Best Final Expense Sales Presentation Ever

Arriving At the Possibilities Domestic

Once I arrive At the residence, I really like to park in the driveway due to the fact that is in which family parks and they’re more likely to greet me. I search for the door that they use the maximum and that i go and knock on their door (normally the back or face door). While anticipating them to come back to a door, I appearance down at my clipboard and fake to read. I attempt no longer to make any eye contact until they open the door.

Once they open the door, I greet them as if they were watching for me all day long. “Mrs. Jones? My name is Joseph and the purpose I’m preventing by using nowadays is because you recently despatched this card in and it’s my task to convey you that records you asked. I might honestly like to head over this with you, can i are available?”

If they say yes, Wonderful!!! I am in! If they say it is not a good time, then I will schedule an appointment with them for tomorrow. Now you’re off in your subsequent one. Some human beings will permit you to in and Some people will make appointments with you, A few may not be Home. (Usually, make certain you go again or name if they’re no longer there.) Of course, A few will slam the door in your face… Ha (thankfully, no longer commonly.)

On the cease of the day, you ought to have made 3-four presentations and scheduled four-five appointments. The point is, you are available working and making a living. I have without a doubt made $8000 in fee in at some point!!! No joke nba finals schedule 2016.

Making Appointments

As an alternative then drives around all day, A few people choose to make appointments or hire someone to make appointments for them. For my part, I employed a person to try this for me. I schedule my appointments an hour and half of aside. normally it starts of evolved at 10:30 am and ends at 7:30 pm. I try and get 7 appointments an afternoon, four days a week. I Always make my appointments the day before due to the fact they neglect if it’s multiple days away.

Script for Putting Appointments Yourself

Right here is an appointment script you can use:

Precise Afternoon ____________, That is ____________

I have in my hand, a crimson card that you crammed out and sent in soliciting for statistics at the Social Safety Demise Gain Software.

Now, my process is to get this data out to you.

The deal with I have Right here is ___________________.

Is that accurate?

Ok… Splendid!

On the card ________, you wrote down which you had been sixty-five and that your wife changed into sixty-three… Is that accurate?

Extraordinary, Excellent…

Allow me to ask you a query: are you (you men) running, retired or receiving incapacity?

Oh yeah, this is Proper, it truly is Top… What time… Do you/she/he get off work…

Chit chat…

besides, like I said, my process is to this statistics out to you and I’m able to both get it out to you tomorrow at ______ or ______…

that is pleasant for you?

Superb…

Do you have got a pen and paper handy or do you’ve got your calendar in the front of you?

I simply need you to jot down down my first call… it is Joseph. Closing name Haworth, H-A….

Now put down there ______am/pm on ___________day… that is the next day.

Well, I actually admire it slow, I look ahead to meeting you and __________, at ______________am/pm _____day________.

Have a Wonderful day.

Whilst you arrive at your appointment, smile Huge and anticipate you are getting in. Say you’re there for the appointment and ask to are available. it’s smooth to get in… maximum of them remember the fact that you’re coming.

Presentation

To position you cozy, I want you to recognize that I’m no longer a sales individual at all. I am the most passive, not pushy character you could believe. There definitely isn’t any trick to it. So loosen up your shoulders and feature amusing.

Once you are inside the door, you praise their Domestic, their yard, their dog, the scent of the residence… you already know… anything! just compliment. My favorite one is to mention how smooth the residence is. If it’s miles truly easy, it way they paintings definitely tough at it and they recognize someone noticing. As I am on foot inside the house, I take a look at the pics and that i both ask who’s the pics before I take a seat down or I ask later. Anyways, seniors love to proportion their snapshots so make certain you ask approximately them.

I am Continually very informal and that i do my fine to keep away from the income presentation for approximately a 1/2 hour. I like to have them talk to me and inform me approximately themselves and their own family and their issues and so forth. I virtually get sucked in. I’m right there, feeling their pleasure and ache and I’m concerned and fascinated. I don’t care approximately the insurance at that point. Ultimately, you flow to the presentation and by this time you’re pals and this helps them pay attention and enables you already know how to communicate to them. Right here are the stairs:

1. You tell them why they obtained the cardboard and what it is about.

2. You deliver up the price of a burial and the reality their circle of relatives is going to need to pay $10,000.

three. You find out why they despatched the card in.

four. Ask who their beneficiary is and if they have ever paid for a funeral (both those questions bring out emotion because they don’t want their youngsters to pay for the funeral and by means of asking in the event that they have ever paid for one, this helps them don’t forget the ache of paying all that money for a funeral.)

five. Ask them what medicinal drugs they take and what they are for. Then you ask how their normal health is. “Have you had any heart troubles, or kidney, or liver or lung troubles? In that case, when?” You want to recognize while due to the fact maximum packages handiest care about the beyond 2 years or so.

6. Now you realize what they’re going to be authorized for and you may show them Some prices. I normally write down 3 or 4 charges on the lower back of their lead card. I attempt to suit what I think they could have the funds for. Once I write them down, I go over the prices and then hand them the sheet. I say, “Now, Mrs. Jones, I need you to look over these three prices and also you tell me which one is exceptional for you?

7. earlier than I provide them the fees, I inform them approximately a right away Advantage and a graded Benefit. The immediately Gain approach that their family will get the whole face quantity in the event that they died even after simplest one charge. The grading policy, however, makes them wait two years before they’ve full insurance. To find out which one they qualify for, I must ask the questions on the software. (but, if you requested enough questions in advance, you realize….)

eight. before I ask the immediately Benefit questions, I ask them to pick out-out a fee first. (This is called soliciting for the sale. You have to ask for the sale or you’ll not promote!!! Simple and simple). Knowing the rate they may pay helps with the subsequent step. Whilst you recognize they qualify for instant advantages, when you ask the ideal questions (which you already know the answers to), you rise up and congratulate them.

9. At that point, all You need to do is ask for his or her non-public data. “Mrs. Jones, am i able to see your SSN and Drivers License”… The point is which you begin writing the utility.

5 Tips Small Businesses Can Take Away From The Tiny House Movement

What on this planet could small organizations research from the tiny residence motion if your industry is unrelated? It comes as no wonder that the growth, venture, reputation and cause of the tiny residence movement have grown over the past decade. Humans are joining this movement for economic freedom, environmental and entertainment leisure. Those proprietors lessen skyrocketing upkeep costs and dwelling fees that come from hovering mortgage payments of capacious houses. This movement also frees up the greater time to spend with family and journey.

during the last decade, we have seen the boom in restructuring, downsizing, and company dismantling by using many large corporations. In step with the U.S. Small Commercial enterprise Administration, 99.7 percent of all business enterprise firms are small businesses. Even as this percentage is an impressive variety, there are some fantastic pointers many small groups can cast off from the tiny residence motion.

Compact and cell: owners of tiny houses downsize to reduce the overabundance of clutter, high mortgage bills, and freedom to do extra things they need to interact in. They have got the capability of hitching their domestic at the returned of a car and may keep cash on in charges when traveling. Depending on your form of Commercial enterprise, with the convenience and digitization of many packages and clever gadgets, you can mobilize your Commercial enterprise and take it everywhere. Even if you relocate, your Business may be simply as portable. Small organizations can be compact in scale but can be large in their return on funding. Strength and price-green: Tiny house proprietors shop cash by using decrease operating prices, Power utilization, and upkeep fees. You will discover innovative ways to minimize your budget ensure areas as a way to free up cash for other crucial Commercial enterprise investments to grow your Business. Small agencies may not expend as a good deal Power and strength as large organizations. you can function more efficiently as well as efficiently. Environmentally aware and sustainable: Tiny homes may be constructed the use of environmentally friendly and repurposed materials. They’re constructed to remaining, however, are as precise and aesthetically attractive as the info in a larger domestic. Small agencies can observe similar f6ba901c5019ebe39975adc2eb223bef elements and recycled elements to their enterprise. Make a statement with customized and custom designed brand installations on a smaller scale, but with brilliant innovative slash appeal. Technological blessings: Era isn’t always as big and bulky because it as soon as become. Tiny houses can embody the identical degree of digitization as large homes, just on a smaller scale. At one time, huge corporations had the higher hand with harnessing greater superior applications in Era. In recent times, now not most effective is Technology extra superior and continuously evolving, many factors are ways extra low-cost than they’ve ever been. modern: Even as tiny house residing is not a brand new phenomenon it’s far increasing in popularity. The concept of residing a fine life on a small-scale pushes us to new tiers of residential creativity. We are stimulated to try something new, innovative, and revolutionary so as to make us stellar in our industry. Since many satisfactory products and services are greater low cost and reliable, small corporations can make exceptional purchases and outsource offerings so as to save on gadget and personnel budgets. just because a small Enterprise may additionally adopt a few thoughts from the success of the tiny residence movement, a number of These packages may not be feasible or attractive for your unique industry. You ought not to sacrifice satisfactory for affordability. Small organizations have the energy, but, to promote their Commercial enterprise with innovative, customized and great consumer experiences, no matter length and price range.

Effective Financial Goal: The Five Characteristics

In economic control studies, a powerful monetary aim has to have 5 characteristics which can be effortlessly remembered as S-M-A-R-T. The subsequent paragraphs provide an explanation for all the 5 traits:

1) Specific

We might be contemplating being financially free however do you recognize what it takes? This purpose seems to be too standard. Our aim needs to be Unique in order that we will recognition especially in each location of monetary making plans and easily to manipulate our own expectancies. Particular purpose generally has best one outcome.

For example, aim to make investments RM200 in line with a month in unit consider and accumulate as a minimum RM2400 in a year; or spend within our price range every month. Those Precise desires are going to have different consequences however whilst mixed, they will make sure our coins float to be healthful. when every final Precise purpose is executed, we have become nearer to small financial freedom.

2) Measurable

We might be working very hard, however, how will we recognize whether or not our goal is accomplished? Therefore, our monetary goals need to be quantifiable.

For instances, we want to invest and gather RM50,000 in 2 years and the progress may be without problems quantified via looking at our funding account statement.

In reality, we need to be capable of measure or evaluation the development of accomplishing the goal including calculating our contemporary net well worth, debt-to-profits ratio and reviewing, go back-on-funding (ROI) and our modern-day insurance coverage. It is good if we are able to maintain a magazine and assessment our cutting-edge making plans.

3) Attainable

Many humans are prompted by means of the ‘Law of Appeal’ and trust that ‘nothing is possible’. Because of this, we tend to set difficult desires which require the first-rate effort. However, are Those desires practical and Achievable? It’s essential to recognize whether or not the aim is inside our capacity and logical norm.

For example, in case your goal is to reap RM1 million in a yr with the aid of only making an investment RM1000 in keeping with a month in any scheme. How possibly can Those be carried out? In truth, such investment scheme would require very excessive ROI within a short period and frequently comes with the very excessive chance. You may be misplaced your capital without difficulty.

The most importantly, we must now not stretch ourselves to attain unrealistic desires. This is to avoid frustration over failure which could end up in extremely good disappointment.

4) Profitable

We need to attain a purpose due to the fact need to get something in return or else nobody will work hard. While operating towards intention success, we have to be positive for the final results to be carried out and It’s significance to our lifestyles. In fact, it ought to be significant and enjoyable.

As an example, a man wants to invest his cash in building the up education fund for his son in twenty years. Within the future, this goal will be Profitable due to the fact his son might be able to enroll into better education.

However, the rewards could be in any form along with material, economic, dating and nonsecular.

five) Time-bounded

We need ok time to attain our dreams. It may be brief-time period, medium-term or long-time period, depending on the sort of dreams to be performed. Timeliness has been an important issue in existence. Consequently, we ought to allocate a time body to avoid procrastination. It will likely be proper if we will set a timetable for everything to be done.

For times, saving for retirement could require a few years due to the fact it’s far a long-time period planning and involved the huge amount of cash. Therefore, planning for retirement in a quick-term (1 to 5 years) may be unrealistic unless a person is willing to have huge dedication in this.

In quick, time is priceless because it gives possibilities for development and creates extra effects. Consequently, the clever man continually said, ‘begin early and forestall procrastinating’.

Precis

A powerful financial goal would constantly have Those Smart characteristics; Specific, Measurable, Achievable, Profitable and Time-bounded. That is to make certain that our goals are meaningful and get us towards monetary freedom. accurate luck on your goal setting.

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adultfuntimes-blog · 7 years

Text

By the power of Grey Skull

HeMan

This piece is titled as such because folks; he, be a Man! I can confidently say this gentleman is the first real human I have met in all of my adult fun time encounters thus far. By real, I mean genuine. Not putting on a show, not a huge guard up, pretty open and easy going. Conversation comes easy when there is little pretense and it’s so nice because I love to talk. Conversation also comes easy when you have something interesting to talk about! This gentleman is world traveled, cultured, intelligent, funny and nice. All of this good stuff comes in a very, Very nice package. Tall, dark and handsome. So naturally when we hit it off so well at the bar there wasn’t a whole lot of question about whether or not I was going to bring him home. I struggled with wanting to talk more and have my mind intrigued or to just get to the good stuff. Speaking of which lets get to the good stuff.

His body is a wonderfully large and strong. Which I am favoring in my male partners more and more because I enjoy the contrast to my petite size. I have never been with anyone who was strong enough to lift, grab and flip me around, manipulating my body in various different positions that require my feet in the air. Now that I have, I just don’t know that I can give it up. It started just how it should, with kissing. Now kissing is difficult and important. I can get it in with someone who is a bad kisser, but the worse you are at kissing the stronger the likelihood that I will only get it in with you a few times. Kissing, when done well can be soooo yummy. Kissing has definitely been few hits and lots misses in my experience. So was very glad when I discovered he knew how to use his mouth. I straddled myself across his waist, took my shirt off and just sort of went to town on his face. And then my first taste of strength happened. He grabbed me by the hair, kissed me hard then wrapped his arms around me and just stood up like it was nothing. He made it seem as if I weighed no more than 10 lbs and I was digging all the alpha male taking charge shit. He just marched me into the bedroom, laid me down and promptly ripped off my leggings. There was lots more kissing and biting and hair pulling until I was having so much fun that I actually had the urge to put a dick in my mouth. Now this is kind of a big deal as I am very stingy when it comes to head. I will absolutely reciprocate when given because that is just fair, but like, rarely do I actually have the urge or desire to just for no reason other than I know dudes LOVE them, wanna do it. Lucky for me HeMan does in fact have the smallest of the dicks I have been with in my recent past. Now, it isn’t tiny by any means, but it is definitely a bit below the average I am use to. The most disappointing thing about his measurements is the girth not necessarily the length. But when it comes to blow jobs this was an ideal dick! Made it super easy and I could totally almost deep throat the whole thing, which again, is something I like NEVER even attempt. But I was feeling super generous and I wanted to give it my all. Boy did this pay off! Front, back, sideways and everything in between! I barely had to lift a finger after that magnificent bj and my pussy got all of the things and an hour and half later we both got off.

I would like to keep writing about how I managed to maneuver my way into his bed two more times in the week since we met, but I can’t even think about it without becoming overwhelmed with the desire to fuck this guy, the sex is that great. And then there is the stamina on this horse! Just keeps going like a champ, even though he is responsible for most if not all of the heavy lifting. I usually enjoy being on top and sharing the cardio load, but not with this one. I just want him to take me and dominate until my legs become jello and I sort of melt into the bed when it’s all said and done.

I know what you’re thinking, there has to be a catch! Why is this man still single?! Nothing can be that perfect and wonderful, can it? Well, I am here to tell you that…of course fuckin not! Nothing is perfect and this gentleman is no exception.

What is most interesting about HeMan is the struggle I have with exposing his faults. Hopefully what has come across in my previous writing is that I am pretty good at being objective. I can enjoy the company I keep, but have no dissolutions about who the other person is presenting. However, HeMan is turning out to be a challenge to this guarded and necessary objectivity. I will be completely honest in that I have become slightly infatuated with the prospect of this man. Which is why it is important for me to regain my objectivity by grounding myself in the reality that is; I don’t know that much about him other than he has fucked me in ways I have never been fucked before and I like it a lot! So let’s all come back down to reality by reviewing the struggle that is trying to causally sleep with someone, who is also a cool, fun and interesting human. It is hard because it is the first time I find myself wanting to spend time outside of the bedroom with someone. I want to experience and share things with him and it’s all too weird and making me feel insecure because it automatically takes me back to the place of worrying about what someone else thinks of me. I have been very lucky to have always had what felt like a natural protective layer to this very universal distorted thought pattern of judging oneself based on what you think other people think of you, because I generally have a pretty good opinion of myself and find if others don’t agree I just don’t give a fuck…but the one place it rears its ugly head is when I find myself romantically interested in another person. Therefore, in order to get rid of my brooding insecurity, let’s dive into his.

The one thing HeMan does have in common with my previous sex buddies is that the inevitable veil of insecurity did rear its ugly head pretty early on. Which is insane to me! This guy is seriously all of the things and I don’t understand how one can still have the exact same insecurity as the men who clearly don’t have the societal advantages as Heman. By societal advantages I mean; HeMan is white, tall, good looking, very healthy and in shape, did I mention white and middle class upbringing? So yea, lots of advantages and fitting into positive stereotypes of someone who is desirable to others in many regards. Yet, the exact same insecurity that has befallen almost all the dudes I have encountered both in my bebop pin around and just life in general and it goes something like this…why doesn’t the world recognize how awesome I am and make it easy or fair for me to get the things that I want?! This almost always comes up in conversation in one way shape or form. The one form that I feel I have been far to exposed to is the following; I haven’t had a lot of luck with women on these dating sites. I am pretty forward about only wanting sexy adult fun times and therefore my assumption is that because of this they feel they can talk to me about dating other people because there is no prospect of actually dating me. However, I also think that it has something to do with my empathic nature. People tell me their shit all the time without regard to who I am or what role I play in their life. From total strangers to my work superiors will inevitably at some point tell me about their childhood or current trauma, issues, insecurities. It’s a thing and/or my super power, I am still holding out for the super strength or another magic power to confirm what I have always known, that I am some form of mutant super human who is meant to do great things, but for now I am just a social worker.

This is how this conversation has gone on multiple occasions:

Dude: Yeah dating sites are hard because you send women messages and they either don’t respond or they do and they aren’t who they presented in their profile.

Me: Yeah, that is how it goes; I mean you have to go through a lot of rejections or whatever to get to find someone you can connect with. At least you don’t have to go through the barrage of “I wanna fuck you” messages before getting a friendly and simple Hello instead.

Dude: Yeah, no that must suck, I have heard about how women get those messages, BUT it is harder for me because I am a man and my ego is fragile and so when I don’t get a response or the girl isn’t as attractive in person as in her photos and wastes my time meeting up, it’s hard.

Me: Yes, please, let me comfort your fragile ego because getting nothing is soooo much harder than getting objectified all of the time, totes get it, let me pat your back.

Dude: Or you meet women and all they want are materialistic things. Like if you don’t have a house w/ a mortgage and a 6 figure salary they want nothing to do with you.

Me: (dramatic eye roll) Well you must not have gone on dates with very many down to earth chicks.

Dude: No, all of them. Every time they find out I don’t have those things I will never hear from them again.

Me: Oh, I am sorry, did I miss something? Am I not here? Am I not a very attractive, very cool, fun, funny and interesting woman? Am I not very aware of the fact you don’t have “all those things” and still interested and literally sitting right in front of you ready and willing to engage in human contact with you?!

Dude: Oh, well, yeah you don’t seem to be like that.

Me: So is that not proof that it isn’t “all women” and just that you happen to have only met a few who are a certain way?

Dude: No, it happens ALL the Time.

Me: (dramatic eye roll)

OHHHHHH, that’s right, for some reason I don’t count. Wait, maybe I have the power of invisibility and I just didn’t know it, because sometimes during this conversation I feel like their eyes gloss over and they really can’t see me sitting right in front of them. 2 super powers = Super Hero! Hmmm, ok, potential invisibility aside, I have had many a lover pour out their woe as me stories of how they can’t find a genuine, nice, non-judgmental and down to earth person to connect with….when they are sitting or laying right next to me. I feel like I am evidence that these types of women exist and it is infuriating that people can be so oblivious to how, even when presented with one (me), they can’t appreciate it!!!! And how they don’t see, that just maybe, they are part of the problem. Allow me to enlighten these fuckers on how these conversations should go, because when you have the thing that you are crying about not having right in front of your face, but you can’t see it because of your blinding insecurity, you have become the problem. You don’t get to cry about not having the ice cream you want when you have a delicious ice cream sundae w/ a mutha fuckin cherry on top sitting on the table in front of you.

Dude: Yeah, dating on these websites is hard because you put yourself out there a lot and get a variety of forms of rejection in return.

Me: Yes rejection is hard, but inevitable.

Dude: that is why it has been so great to meet you. You seem cool and down to earth, you don’t seem to have a lot of pretense about the things other women I have been out with seem to be hung up on.

Me: Well thanks, I do try and live my life just being open minded and kind. Which makes it easier to see people for their strengths as opposed to sizing them up based on certain standards.

Dude: Well it has been really great, wonderful, refreshing to meet you and not get the same ole bullshit responses that I have been met with before. (leans in and show appreciation and gratitude for this awesome experience of getting what he supposedly says he wants by kissing me passionately.)

This friends, is how you lean in to a moment and recognize the thing in front of your face. You get out of the state of pity and let go of your god damn insecurity so that you can appreciate what the universe is offering you! Even if, you still believe that somehow I am a fluke, the exception not the rule, well asshole, then appreciate it while you have it because the fact of the matter is I am here right now and you have the opportunity to attempt to pursue the thing you say you have been trying to pursue and that has been alluding you for a long time apparently and now that you are presented with it all you are doing is complaining to it that it is so hard to find! Sigh.

Which leads to how this affects me, which again, is something none of these men think about. How am I supposed to feel when you describe a girl you’re looking for, that matches my description and yet I am somehow not enough to make you shut up and kiss me? What is it about me that is not good enough for you?

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