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	<title>Luxury Home Plans &#187; buying</title>
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	<link>http://homeplansluxury.com</link>
	<description>Luxury Home Plans</description>
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		<title>Why Buy a Franchise?</title>
		<link>http://homeplansluxury.com/why-buy-a-franchise/2012/01/</link>
		<comments>http://homeplansluxury.com/why-buy-a-franchise/2012/01/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 17:27:29 +0000</pubDate>
		<dc:creator>Keith Pollow</dc:creator>
				<category><![CDATA[Building]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[buildings]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business opportunities]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[expo]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[franchises]]></category>
		<category><![CDATA[land]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[research]]></category>
		<category><![CDATA[restaurants]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/why-buy-a-franchise/2012/01/</guid>
		<description><![CDATA[When many people plan to start their own business, they tend to look into buying a franchise. There are many benefits to buying a franchise from a good parent company and there are thousands of different types of franchises available which means you can easily find a franchise that you will love and want to make a long term success. There are the bigger well known franchise opportunities as well as unique home-based franchise opportunities. You can find all of these franchise opportunities listed on franchise networking websites. You will definitely be able to find the perfect franchise for you so that you start your life as a self-employed entrepreneur.]]></description>
			<content:encoded><![CDATA[<p>When many people plan to start their own business, they tend to look into buying a franchise. There are many benefits to buying a franchise from a good parent company and there are thousands of different types of franchises available which means you can easily find a franchise that you will love and want to make a long term success. There are the bigger well known franchise opportunities as well as unique home-based franchise opportunities. You can find all of these franchise opportunities listed on franchise networking websites. You will definitely be able to find the perfect franchise for you so that you start your life as a self-employed entrepreneur.</p>
<p>If you have already discovered a business solution that interests you or a business idea that you want to pursue, there are many reasons to consider buying a franchise. When you buy a franchise you are buying a business concept that is already successful. Building the business idea has already been done which is the most difficult part of growing a business. The important development and establishment of the business has been done which makes it easier to run a successful franchise. That is, the formula for the management of the business has already been developed so there is no need to build the product and service from the ground up. As the franchise owner, you just manage the daily business activities.</p>
<p>When you buy a franchise, you will get the benefit of a good support network. You will be provided with the important training and guidance. If you have a question, the parent company will answer all your questions and provide the guidance you need to get your franchise up and running. Additionally, you do not have to spend many hours networking to get everything you need to get the business up and running which means your valuable time will be spent on managing the day to day operations of your franchise.</p>
<p>When seeking the capital investment for a franchise, you will have a better chance of getting approved for the financing as lenders are more likely to finance a franchise from a parent company that has already proven to be successful. In addition, the franchise&#8217;s parent company can often provide advice on obtaining financing for your franchise. Another benefit of buying a franchise is franchises have less of a failure rate compared to starting a business from scratch. Statistics show that success rates for franchises are considerably higher than non-franchised businesses</p>
<p>With all of the benefits of buying a franchise, it is understandable while more people who want to be self employed entrepreneurs are choosing franchises over traditional business ventures. When choosing a franchise it is important to choose a franchise that you believe in and love. If you are looking to be in business for yourself you may want to take a serious look at the advantages of buying a franchise. Being in business is a fantastic opportunity, especially with so many people losing jobs these days, so why not buy a franchise from a parent company that is established and successful.</p>
<p>Become your own boss today by visiting a franchise show. There you will find the latest <a target="_blank" target='_blank' href="http://www.businessexchange.ca/franchise-directory-list.html">restaurant franchises</a>, <a target="_blank" target='_blank' href="http://www.businessexchange.ca/">tanning salons for sale</a>, entrepreneurial resource information and more.</p>
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		<title>A Guide on Selling A Franchise Business</title>
		<link>http://homeplansluxury.com/a-guide-on-selling-a-franchise-business/2012/01/</link>
		<comments>http://homeplansluxury.com/a-guide-on-selling-a-franchise-business/2012/01/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 15:48:31 +0000</pubDate>
		<dc:creator>Keith Pollow</dc:creator>
				<category><![CDATA[Building]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[buildings]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business opportunities]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[expo]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[franchises]]></category>
		<category><![CDATA[land]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[research]]></category>
		<category><![CDATA[restaurants]]></category>
		<category><![CDATA[selling]]></category>
		<category><![CDATA[shows]]></category>

		<guid isPermaLink="false">http://homeplansluxury.com/a-guide-on-selling-a-franchise-business/2012/01/</guid>
		<description><![CDATA[Many times, franchise owners will want to sell their business. There are many reasons why a franchise owner may want to sell their franchise such as: moving to a new region, retiring, want to do something new, suffered an illness or injury that is serous, divorce, etc. When selling a franchise, there are many factors to consider so that you can ensure that the franchise selling process goes smoothly and there are no unexpected problems that occur which could delay or stop the sale.]]></description>
			<content:encoded><![CDATA[<p>Many times, franchise owners will want to sell their business. There are many reasons why a franchise owner may want to sell their franchise such as: moving to a new region, retiring, want to do something new, suffered an illness or injury that is serous, divorce, etc. When selling a franchise, there are many factors to consider so that you can ensure that the franchise selling process goes smoothly and there are no unexpected problems that occur which could delay or stop the sale.</p>
<p>The first thing a franchise seller should do when planing to sell the franchise is get into contact with the franchisor. This is to let the franchisor know why you are selling the franchise and that you meet the terms in the franchise agreement regarding the transfer of the franchise to a new owner. Terms will include details about transfer fees, new buyer qualifications, as well as disclosures. In addition, the franchisor may know of someone who may want to by the franchise who is in your area. It is important that you satisfy all terms and agreements in the franchise agreement when you sell your franchise to avoid any problems when it is time to sell the franchise.</p>
<p>It is important to make the appropriate preparations when selling your franchise. You need to make sure you have provided enough information for an all-inclusive listing that should include a summary profile of the franchise, assets and equipment list, as well as the all-important financial records. Remember, people looking to <a target="_blank" target='_blank' href="http://www.businessexchange.ca">franchising</a> will want to learn all about the financial history of the franchise to make sure the franchise is a good investment. Your financial statements should be prepared by a professional, which will help support the price you are asking for the franchise. Additionally, it is important to make sure you have a complete and professional business profile so you should make sure you organize and prepare a business profile that is professional and will appeal to potential franchise buyers.</p>
<p>Once you have made all of the preparations to sell the franchise, you have to come up with an asking price. It is important not to have an asking price that is way too high as it will only turn off potential buyers. You need to be realistic about the price. It is always helpful to talk to the parent company for advice. Remember the asking price will be based on financial history as well as market conditions and comparables. When you market the sale of your franchise, it is helpful to use the services of a professional online business franchise networking site.</p>
<p>It is up to you whether you hire a real estate company or use &#8220;for sale by owner&#8221; route when selling your franchise. Each method comes with it share of advantages and disadvantages. When selling a franchise, it is important to understand what is involved with selling a franchise so you have an uncomplicated sales process and get the price you want for your franchise.</p>
<p>Become your own boss today by visiting a franchise show. There you will find the latest <a target="_blank" target='_blank' href="http://www.businessexchange.ca">businesses for sale BC</a>, <a target="_blank" target='_blank' href="http://www.businessexchange.ca/franchise-directory-list.html">franchise opportunities</a>, entrepreneurial resource information and more.</p>
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		<item>
		<title>The Rewards of Purchasing a Franchise</title>
		<link>http://homeplansluxury.com/the-rewards-of-purchasing-a-franchise/2012/01/</link>
		<comments>http://homeplansluxury.com/the-rewards-of-purchasing-a-franchise/2012/01/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 03:07:38 +0000</pubDate>
		<dc:creator>Keith Pollow</dc:creator>
				<category><![CDATA[Building]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[buildings]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business opportunities]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[expo]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[franchises]]></category>
		<category><![CDATA[land]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[research]]></category>
		<category><![CDATA[restaurants]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/the-rewards-of-purchasing-a-franchise/2012/01/</guid>
		<description><![CDATA[When many individuals begin to make plans to start their own enterprise, they often consider purchasing a franchise. There are scores of rewards to purchasing a franchise from a franchisor and there are an enormous amount of various kinds of franchises on the market so it is not difficult locating and purchasing a franchise that you'll enjoy operating. There are the larger well known franchise opportunities in addition to distinctive home-based franchise opportunities. Yow will discover all of those franchise alternatives listed on franchise networking websites. You are sure to discover the right franchise you will love.]]></description>
			<content:encoded><![CDATA[<p>When many individuals begin to make plans to start their own enterprise, they often consider purchasing a franchise. There are scores of rewards to purchasing a franchise from a franchisor and there are an enormous amount of various kinds of franchises on the market so it is not difficult locating and purchasing a franchise that you&#8217;ll enjoy operating. There are the larger well known franchise opportunities in addition to distinctive home-based franchise opportunities. Yow will discover all of those franchise alternatives listed on franchise networking websites. You are sure to discover the right franchise you will love.</p>
<p>If you have found a business idea that interests you or a business concept that you love, there are a lot of reasons to think about buying a franchise. When you buy a franchise you are buying a business concept that&#8217;s already been built and is now very successful and has brand power which is probably the toughest part of building a successful business. The vital development of the business has been completed which makes it simpler to run a profitable franchise. That is, the system for the administration of the business has already been developed so there is no such need to build, market, and grow the franchise from the ground up. As the franchise owner, you just handle the day by day franchise operations.</p>
<p>If you purchase a franchise, you will get the benefit of a great assistance network. The franchisor will provide you with the important coaching and guidance. You probably will have lots of questions so the franchisor will be there to answer all of your questions and supply the guidance to assist you with getting your own franchise up and running. Moreover, you wouldn&#8217;t have to spend many hours networking to get every thing that is essential to get the business up and operating which means your time will be better spent on managing the daily operations of your franchise.</p>
<p>When looking for the capital investment for a franchise, you should have a greater chance of getting authorized for the financing as lenders are more likely to finance a franchise from an established franchise that has already proven to be a profitable business. In addition, the franchisor usually presents recommendations on acquiring financing for your franchise. One other benefit of shopping for a franchise is franchises have less of a failure rate compared to beginning a business from the ground up. Statistics show that success rates for franchises are significantly greater than non-franchised enterprise.</p>
<p>With all the reward to buying a franchise, it&#8217;s no reason why more people who desire to be self employed business owners are selecting franchises over conventional business ventures. When choosing a franchise it is important to select a franchise that you believe in and are devoted to. If you&#8217;re seeking to be self employed and want to run your own business, you might want to take a look at some of the great rewards of getting your very own franchise. Being a franchise owner is a great way to become a successfully self-employed business person.</p>
<p>Become your own boss today by visiting a franchise show. There you will find the latest <a target="_blank" target='_blank' href="http://www.businessexchange.ca/business-opportunities-list.html">business opportunities</a>, <a target="_blank" target='_blank' href="http://www.businessexchange.ca/">dry cleaners for sale</a>, entrepreneurial resource information and more.</p>
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		<item>
		<title>Difference between a Business Opportunity and Franchise</title>
		<link>http://homeplansluxury.com/difference-between-a-business-opportunity-and-franchise/2012/01/</link>
		<comments>http://homeplansluxury.com/difference-between-a-business-opportunity-and-franchise/2012/01/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 00:24:29 +0000</pubDate>
		<dc:creator>Keith Pollow</dc:creator>
				<category><![CDATA[Building]]></category>
		<category><![CDATA[advertising]]></category>
		<category><![CDATA[buildings]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business opportunities]]></category>
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		<category><![CDATA[Finance]]></category>
		<category><![CDATA[franchises]]></category>
		<category><![CDATA[land]]></category>
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		<category><![CDATA[research]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/difference-between-a-business-opportunity-and-franchise/2012/01/</guid>
		<description><![CDATA[Today, more people are looking to run their own business due to the many rewards of being self employed. If you are considering becoming a business owner, you will have a choice of building a business from the ground up or buying a franchise. When making the decision, two such options are business opportunities and franchises. It is important to understand the difference between a business opportunity and a franchise.]]></description>
			<content:encoded><![CDATA[<p>Today, more people are looking to run their own business due to the many rewards of being self employed. If you are considering becoming a business owner, you will have a choice of building a business from the ground up or buying a franchise. When making the decision, two such options are business opportunities and franchises. It is important to understand the difference between a business opportunity and a franchise.</p>
<p>A business opportunity involves the lease or sales of a service or product that will allow you, the buyer/licensee, to start a business. A business opportunity can be, for example, a convenience store or a liquor mart. There are many general differences business opportunities and franchises. All <a target="_blank" target='_blank' href="http://www.businessexchange.ca/franchise-directory-list.html">franchises for sale</a> will operate under a common brand however when it comes to a business opportunity, there is no legal mandate to work under a common brand. As well, with a business opportunity, there is no contractual agreement where such support services as advertising, accounting, and training are provided unlike a franchise which has support from the franchisor for such assistance.</p>
<p>With a business opportunity, in most cases, the seller will not have any control over the buyer&#8217;s business operations meaning the buyer does not have to follow any type of operational procedures. With a franchise, the franchise owner will have to follow specific operational procedures. The franchisor will provide set methods to follow regarding business operational procedures. In addition, with a franchise, the buyer of the franchise is obligated as outlined in the franchise agreement to pay royalties to the franchisor. This is not the case with a business opportunity.</p>
<p>There are more details regarding the contractual agreements when buying a franchise due to the fact that there are specific guidelines and rules written in the agreement regarding business operations. There are legalities regarding contracts and other pertinent legal documents. With a business opportunity, the business opportunity seller will state in the contract that they will assist the buyer with locating a suitable location or they will state they supply the product to the purchaser. You will also be able to change or alter the brand giving you more flexibility. With a franchise you have to keep the product that you are selling as instructed by the franchisor. For instance, sub sandwiches from a Subway on one side of the country tastes the same as a sub sandwich from a Subway on the other side of the country. You will get the product or product supplies from the franchisor and the actual look of the business will be according to the franchisor&#8217;s mandates.</p>
<p>With a business opportunity, the seller&#8217;s products or services will be purchased by the business opportunity buyer and the business opportunity seller will buy back any product that cannot be sold by the business opportunity leaser. In addition, business opportunity seller will provide a marketing program that can include the use of a trade name or trademark. Both business opportunities and franchises have their own advantages so the choice will depend on your specific needs and preference.</p>
<p>Let your dream of owning your own business come true. Visit a <a target="_blank" target='_blank' href="http://www.businessexchange.ca/franchiseshows.html">Vancouver franchise show</a>, today to find the latest franchise, businesses for sale and more! It is also the best place for <a target="_blank" target='_blank' href="http://www.businessexchange.ca/selling-a-business.html">selling a business</a>.</p>
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		<title>Curious About Real Estate?</title>
		<link>http://homeplansluxury.com/curious-about-real-estate/2012/01/</link>
		<comments>http://homeplansluxury.com/curious-about-real-estate/2012/01/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 22:12:55 +0000</pubDate>
		<dc:creator>Laura Hawn</dc:creator>
				<category><![CDATA[Building]]></category>
		<category><![CDATA[builders]]></category>
		<category><![CDATA[builders Utah]]></category>
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		<category><![CDATA[commercial]]></category>
		<category><![CDATA[Estate]]></category>
		<category><![CDATA[home builders]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[houses]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/curious-about-real-estate/2012/01/</guid>
		<description><![CDATA[When folk think of or hear the term "real estate," what they almost certainly think about is a residential home. They believe that homes are the only one sort of real estate, just the houses themselves.]]></description>
			<content:encoded><![CDATA[<p>When folk think of or hear the term &#8220;real estate,&#8221; what they almost certainly think about is a residential home. They believe that homes are the only one sort of real estate, just the houses themselves. </p>
<p> But real estate is not just buildings. Real estate refers to the land as well as the buildings, resources, crops, waters, and minerals on that land. That is just the physical meaning of real estate. Real estate also refers to the process of renting, buying, or selling housing, land, or buildings. </p>
<p> While this part infrequently is thought of (unless you happen to be a real estate agent or Realtor), this is a vital facet of real estate ( <a target="_blank" target='_blank' href="http://anonym.to/?http://www.utahnewhomesrealestate.com">  Utah home builders  </a> ). Without this side of real estate, buildings couldn&#8217;t be bought, sold, or leased to anybody; they might just sit there being useless. </p>
<p> There are lots of different types of buildings which are built on land and then sold, which are called real estate. Odds are, you&#8217;ve likely seen many of them; double story condos, single story homes, duplexes, quadraplexes, mobile homes, office buildings, town homes, farm houses, malls, theaters, banks, hairdresser shops&#8230; the list keeps going. If anyone can live in it or work in it it, is considered real estate. Some buildings are classified as both commercial and real estate, such as shops which have a loft on the second floor for the owners to live in. </p>
<p> Most individuals won&#8217;t think of corporate buildings as real estate, but they are. Those real estate and land can be real estate, just as homes can be. This makes the residential. Different sorts of corporations help their customers purchase and sell different types of real estate. Some will only help with commercial real estate , while others will help with residential commercial. Seldom, a company will cope with both residential and commercial types of real estate.</p>
<p><a target="_blank" target='_blank' href="http://www.utahnewhomesrealestate.com/index.html">Builders Utah</a>   <a target="_blank" target='_blank' href="http://www.utahnewhomesrealestate.com/about.html">Utah builder</a></p>
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		<title>Should You Consider The Zoning Of a Home?</title>
		<link>http://homeplansluxury.com/should-you-consider-the-zoning-of-a-home/2011/11/</link>
		<comments>http://homeplansluxury.com/should-you-consider-the-zoning-of-a-home/2011/11/#comments</comments>
		<pubDate>Sun, 13 Nov 2011 21:57:20 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Building]]></category>
		<category><![CDATA[buying]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/should-you-consider-the-zoning-of-a-home/2011/11/</guid>
		<description><![CDATA[When looking for a new home, don't forget to consider the zoning of a property and what your future plans are for that property. Are you planning to start a new home business? Will your in-laws be moving in? Don't make the major mistake of buying a home only to find out later a home business is prohibited, or the garage can't be permitted for an in-law guest unit. Local zoning rules or city codes dictate what you can do with your home. It also wouldn't hurt to check out what your neighbors are allowed to do with their property.]]></description>
			<content:encoded><![CDATA[<p>When looking for a new home, don&#8217;t forget to consider the zoning of a property and what your future plans are for that property. Are you planning to start a new home business? Will your in-laws be moving in? Don&#8217;t make the major mistake of buying a home only to find out later a home business is prohibited, or the garage can&#8217;t be permitted for an in-law guest unit. Local zoning rules or city codes dictate what you can do with your home. It also wouldn&#8217;t hurt to check out what your neighbors are allowed to do with their property.</p>
<p>One of your first priorities should be to contact the local municipal planning and building department to learn what the zoning allowances are for the home you&#8217;re interested in. In most residential areas, the main classification is single-family residential, but in some communities, the zoning may allow transitional, multi-family, or mixed use which permits both residential and commercial.</p>
<p>It&#8217;s important to consider which classification is right for you. If you&#8217;re planning to set up a home business, a mixed commercial and residential area may be to your advantage. However you need to be aware your neighbor may also take advantage of the zoning classification and build a business or apartment building next door if the zoning permits it.</p>
<p>At first glance, it may appear zoning ordinances only regulate how your home can be used. But they can also regulate the minimum square footage of the property, its maximum square footage, number of levels, and how it needs to be oriented on the land. You&#8217;ll even discover there are guidelines spelling out how your property needs to be set back from the road as well as how much distance their needs to be between your home and your neighbor&#8217;s. This fact could drastically affect any future plans you may have for a sun deck or extra room.</p>
<p>Hire a competent Realtor or attorney to help you research local zoning and municipal rules if any of the following situations occur:</p>
<p>1) You Need To Operate A Business From Home &#8211; If you have an existing home business or plan to start one in the future, make sure you check the zoning restrictions to be certain one is allowed-especially if you&#8217;re looking in zones designated as residential. The city has its own set of regulations regarding the operation of a home business. If possible, try locating residents who operate businesses from their home and see how cooperative the city is.</p>
<p>2) You Plan On Remodeling &#8211; If up you have dreams of renovating or adding new structures to a property, the local zoning regulations may have stringent regulations on the type of renovations you can do. For example, some local codes may prohibit the addition of a second floor.</p>
<p>3) Storing a RV or boat in your front driveway.</p>
<p>4) You Want To Buy Property In A Historical District &#8211; Local zoning regulations for these type of homes are very strict and designed to maintain a home&#8217;s original style and color scheme.</p>
<p>5) You have plans to eliminate a large tree</p>
<p>6) You have unusual or special plans.</p>
<p>7) You plan to raise farm animals such as sheep or hens.</p>
<p>Looking to find the best <a target="_blank" target='_blank' href="http://topagents4homes.com/san-mateo-real-estate-homes-for-sale-agents">San Mateo homes for sale</a>? Come and see what <a target="_blank" target='_blank' href="http://topagents4homes.com/san-mateo-real-estate-homes-for-sale-agents">San Mateo Realtors</a> can do to help you find your dream home.</p>
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		<title>Investing in your first Commercial Property</title>
		<link>http://homeplansluxury.com/investing-in-your-first-commercial-property/2011/11/</link>
		<comments>http://homeplansluxury.com/investing-in-your-first-commercial-property/2011/11/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 21:02:46 +0000</pubDate>
		<dc:creator>Roger Frost</dc:creator>
				<category><![CDATA[Building]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[commercial]]></category>
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		<category><![CDATA[lease]]></category>
		<category><![CDATA[loan]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/investing-in-your-first-commercial-property/2011/11/</guid>
		<description><![CDATA[Successful commercial property investment  is about anticipating market moves, optimising value, cash flow and due diligence. Identifying interesting investment opportunities and maximising sale proceeds is about contacts and market knowledge.]]></description>
			<content:encoded><![CDATA[<p>Successful commercial property investment  is about anticipating market moves, optimising value, cash flow and due diligence. Identifying interesting investment opportunities and maximising sale proceeds is about contacts and market knowledge.</p>
<p>Commercial properties have very different leases from residential properties.  Negotiating the lease is a very important factor in your future profit of loss.  For landlords this means maximising income from lease events and taking advantage of opportunities to enhance asset value. For tenants we seek to minimise outgoings and align lease commitments with corporate strategies.</p>
<p>But you don&#8217;t need to be a property professional to appreciate the benefits of investing in property, particularly in a financial world which is so volatile as it is today &#8211; the stock market with its ups and downs (mainly downs as we write &#8211; July 2011), the financial scandals and the pension fund scares. In fact commercial property has been the best performing asset class over the last 10 years or so, outperforming equities and gilts by a good margin.</p>
<p>Typically, during recessionary periods commercial property is the first to suffer as consumer confidence has a significant impact on the asset class. The economy plays a large part in commercial property values and rents; if unemployment is high, the market is usually down. Fewer companies are hiring staff therefore unemployment levels are high, so consumers spend less money which then affects retail sales, which then has an impact on business income and businesses are less likely to be able to continue paying rent.</p>
<p>Most lenders require a deposit of at least 30% on financing. The costs of financing are generally higher than for residential property and the investor will need to prove to the lender that the property will perform, so that the rental income will cover the monthly repayments with more to spare. The lender will carry out full due diligence before allowing an investor to take on a commercial mortgage.</p>
<p>You usually need a larger deposit to secure approval for a commercial mortgage. Most lenders offer a maximum Loan to Valuation Ratio of 70%, which means you would need to save as a deposit a minimum 30% of the purchase price plus costs. If you are a home owner, offering your home as collateral (security) for the loan can be a way of securing a lower rate loan.</p>
<p>Use the Commercial Building Inspector located in Toronto Ontario for all your investment purchases.  As a Certified Building Code Official he can inspect and report on any deficiencies that may affect your investment.</p>
<p>Want to find out more about <a target="_blank" target='_blank' href="http://www.wett-inspection.com">Wett Inspections in Barrie ON</a>, then Barrie&#8217;s WETT Inspector.  Find a <a target="_blank" target='_blank' href="http://www.barriehomeinspections.com">Wett Inspector in Barrie, Alliston, Orillia</a> for all your wood burning appliance inspections.</p>
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		<title>Should You Consider The Purchase Of Hazard Insurance?</title>
		<link>http://homeplansluxury.com/buying-a-home-is-home-hazard-insurance-really-important/2011/11/</link>
		<comments>http://homeplansluxury.com/buying-a-home-is-home-hazard-insurance-really-important/2011/11/#comments</comments>
		<pubDate>Fri, 04 Nov 2011 18:37:06 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Building]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/buying-a-home-is-home-hazard-insurance-really-important/2010/05/</guid>
		<description><![CDATA[If you haven't thought about purchasing hazard insurance, you may want to seriously consider buying one since it takes care of you and the loan company for damage to property caused by smoke and fire, hail showers, powerful winds, lightning storms, explosions, volcano eruptions, riots and vandalism, burglary, damage from water, and other similar freak accidents of major. When a tall evergreen tree topples onto your roof during a windstorm or when a burglar destroys your car window to steal your expensive stereo, your policy will cover the costs to repair the damage or substitute a replacement item. If you search hard enough you can find some hazard policies willing to ensure theft of property transported outside of your house such as in your automobile or at work.]]></description>
			<content:encoded><![CDATA[<p>If you haven&#8217;t thought about purchasing hazard insurance, you may want to seriously consider buying one since it takes care of you and the loan company for damage to property caused by smoke and fire, hail showers, powerful winds, lightning storms, explosions, volcano eruptions, riots and vandalism, burglary, damage from water, and other similar freak accidents of major. When a tall evergreen tree topples onto your roof during a windstorm or when a burglar destroys your car window to steal your expensive stereo, your policy will cover the costs to repair the damage or substitute a replacement item. If you search hard enough you can find some hazard policies willing to ensure theft of property transported outside of your house such as in your automobile or at work.</p>
<p>The heart of your homeowner&#8217;s insurance covers damage to your house and everything associated with it. But the basic coverage isn&#8217;t adequate to give you full protection. You&#8217;ll be given the option to purchase additional coverage for:</p>
<p>1) Accompanying structures in addition to your home such as the garage, work shed, pool, extra guest unit, and other appurtenances connected to the land such as concrete walls, asphalt driveways, sidewalks, and chain link fences.</p>
<p>2) Personal property such as clothing, special artwork, jewelry, coin collections, and electronics, up to a specified replacement value.</p>
<p>3) Any equipment used for your home business like portable laptop computers, workstations, and high speed copiers. If you have a business that stocks inventory, you can also protect these.</p>
<p>4) Loss of use-Policies can provide funds for your everyday essential like rent, motel stay, and food, minus the amount you would spend on everyday essentials, while your home is undergoing remodeling after a catastrophe.</p>
<p>5) Landscape which includes ornamental trees, flowering plants, bushes, and outdoor furniture.</p>
<p>While you have the option to decline coverage on the above items, most likely you&#8217;ll have to accept the entire coverage in order to get complete coverage for your home.</p>
<p>At first glance, you might think your hazard insurance policy provides detailed coverage for everything. However, if you hone in on the exclusions clause in the policy, you&#8217;ll find circumstances that aren&#8217;t covered such as flooding, earthquakes, mud slides, police activity, loss of electricity, sewage damage, and many more. You&#8217;ll have an impossible time locating a policy to ensure these risky, claims producing damages. But, you can locate some policies that will cover special situations like flooding or earthquake destruction. The best thing to do is buy extra coverage for hazards that caused major damage and have a high probability of happening such as an earthquake in certain parts of California.</p>
<p>Are you searching for <a target="_blank" target='_blank' href="http://topagents4homes.com/rancho-cucamonga-real-estate-homes-for-sale-agents">Rancho Cucamonga homes for sale</a> ? Use a local <a target="_blank" target='_blank' href="http://topagents4homes.com/rancho-cucamonga-real-estate-homes-for-sale-agents">Rancho Cucamonga Realtor</a> to find the right one.</p>
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		<title>What Important Tasks Does Your Closing Agent Perform?</title>
		<link>http://homeplansluxury.com/buying-a-home-who-is-your-closing-agent/2011/11/</link>
		<comments>http://homeplansluxury.com/buying-a-home-who-is-your-closing-agent/2011/11/#comments</comments>
		<pubDate>Fri, 04 Nov 2011 17:20:41 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Building]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/buying-a-home-who-is-your-closing-agent/2010/05/</guid>
		<description><![CDATA[Have you even wondered what your closing agent does during the real estate transaction? His or her purpose is to manage and direct the finalization of the buying transaction by ensuring both parties fulfill their side of the purchase agreement. This person usually is employed with a title or escrow company.]]></description>
			<content:encoded><![CDATA[<p>Have you even wondered what your closing agent does during the real estate transaction? His or her purpose is to manage and direct the finalization of the buying transaction by ensuring both parties fulfill their side of the purchase agreement. This person usually is employed with a title or escrow company.</p>
<p>It&#8217;s not unusual for most buyers to be unaware of who their closing agent is until the end stages of the sales transaction. Meanwhile your agent becomes active way before the finalization of your transaction. A seasoned agent will:</p>
<p>1) Take Care Of The Details Of Obtaining Title Insurance-A key function of your closing agent is to request a complete title investigation. Should your agent be currently working for a title company or is already a lawyer, they will personally take care of the search. Once the results of the report are sent back, it will reveal whether the seller has any outstanding liens, easements, and encumbrances that have to be taken care of by the seller before the sales transaction can be completed. As soon as the seller fixes all title problems, your closing agent will complete the final steps needed to have a title insurance policy issued to you.</p>
<p>2) Works With Lenders-The closing agent will coordinate paying off the sellers lender (if there is one) and working with your lender to fund the transaction.</p>
<p>3) Sets Up An Escrow Or Trust Account-When the closing agent receives your money deposit, he or she will place it into a separate bank account, called a trust or escrow account until the close of escrow when the funds will be transferred to the seller. All money contributed by the seller for property repairs will also be deposited there. If your state has an attorney representing both sides, the seller&#8217;s attorney will open the account.</p>
<p>4) Prorates Expenses-Your closing representative will determine what portion of tax, interest, and insurance payments will be paid by seller and buyer at the close of the sail.</p>
<p>5) Follows Instructions-The agent will follow all written instructions provided by you and the seller and make sure everything will be completed by the closing date.</p>
<p>6) Records The Deed and Pays The Seller-At the time of closing, the agent will transfer funds to pay off the seller. Once that happens, the agent will make a public recording of the deed to transfer the house to you.</p>
<p>Any compensation paid to the agent is incorporated into the closing expenses. As for which party pays the closing agent&#8217;s fee, that&#8217;s contingent upon which part of the country you live in. In some areas, both parties cover this expensive equally. Check with your Realtor to discover what&#8217;s customary in your part of town.</p>
<p>Want to find out more about <a target="_blank" target='_blank' href="http://topagents4homes.com/trabuco-canyon-real-estate-homes-for-sale-agents">Trabuco Canyon real estate</a>, then check out these local <a target="_blank" target='_blank' href="http://topagents4homes.com/trabuco-canyon-real-estate-homes-for-sale-agents">Trabuco Canyon Realtors</a> to find one.</p>
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		<title>Best Ways To Save On Your Relocation</title>
		<link>http://homeplansluxury.com/buying-a-home-how-to-estimate-relocating-costs/2011/11/</link>
		<comments>http://homeplansluxury.com/buying-a-home-how-to-estimate-relocating-costs/2011/11/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 18:47:32 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Building]]></category>
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		<category><![CDATA[Condominiums]]></category>
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		<category><![CDATA[moving]]></category>
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		<guid isPermaLink="false">http://homeplansluxury.com/buying-a-home-how-to-estimate-relocating-costs/2010/05/</guid>
		<description><![CDATA[Once you've figured out where you're going to move, your next step is to determine how much it will cost. Relocating involves coordinating many activities together to make the transition as smooth as possible. By properly planning your move, you'll save a lot of anxiety and headaches.]]></description>
			<content:encoded><![CDATA[<p>Once you&#8217;ve figured out where you&#8217;re going to move, your next step is to determine how much it will cost. Relocating involves coordinating many activities together to make the transition as smooth as possible. By properly planning your move, you&#8217;ll save a lot of anxiety and headaches.</p>
<p>Once you&#8217;ve chosen a final destination to relocate to, you&#8217;ll need to pick up the phone and communicate with several possible mover&#8217;s to get an estimate. As you research your local phone directory or check online, you&#8217;ll be bombarded with many moving company ads clamoring for your business. It&#8217;s vital that you decide on one that has a good reputation with reasonable prices. Regrettably, there are dishonest moving companies preying on innocent consumers so it pays to choose one with a positive reputation. To increase your chances of finding a legitimate mover, ask your friends and family for their recommendations. Pick a mover that&#8217;s located nearby so you can inspect their premises. Make sure you ask them to show you their business permits and required licenses to rule out the possibility they are a scam artist. Also request them to show you a copy of their liability insurance policy.</p>
<p>After compiling a short list of moving companies, have them supply you with an estimate on how much it would cost to move your stuff. Estimates are usually done for free and usually involves having the moving company send a representative to your place for a personal estimate. Don&#8217;t trust a company that provides estimates over the phone. It&#8217;s very difficult to give an accurate estimate without visually checking the items you want to move.</p>
<p>To make sure you get the most accurate estimate, show the mover&#8217;s estimator everything you want to transport. Be sure he or she inspects items in the basement and the attic. After the estimate quotes you the price, ask him or her to put it in writing. If you&#8217;ve already gotten many estimates from other local companies and you get a super low quote from a particular business, make sure they explain why their quote is so under priced. Have the estimator divulge how they figured what your moving costs would be. To minimize the chances of a potential conflict between you and the mover, don&#8217;t be afraid to ask questions and substantiate their calculation against yours.</p>
<p>Once you get the quote in writing, have the representative show you their liability insurance. It&#8217;s not uncommon for most movers to only carry minimal liability coverage which puts your high priced belongings at risk if they should suffer trauma during the relocation. Be sure the mover has supplemental insurance to protect a wide selection of belongings. This will increase the chances that your special beloved items and investments are protected.</p>
<p>Just because you have a written estimate doesn&#8217;t mean your final moving costs won&#8217;t change. Circumstances such as access to roads, physical weight, and elevator issues can alter the final estimate of your relocation.</p>
<p>Be sure you converse with your moving company about the possibility of supplemental charges that can alter your quote. If your circumstances should change, be sure to notify your moving company in advance so they can re estimate your relocation costs if needed.</p>
<p>It also important to discuss how your mover likes to get paid. Most moving businesses accept cash, credit cards, bank and traveler&#8217;s checks, and personal checks. Moving can be a hair raising experience, but using a reputable business will definitely make the transition easier.</p>
<p>Are you looking for <a target="_blank" target='_blank' href="http://topagents4homes.com/brea-real-estate-homes-for-sale-agents">Brea homes for sale</a>, then check out these local <a target="_blank" target='_blank' href="http://topagents4homes.com/brea-real-estate-homes-for-sale-agents">Brea Realtors</a> to find one.</p>
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