Archive for the ‘Real Estate’ Category


Retirement Plan Consultants Help You Deliver Better Value To Your Clients


Are you wondering what options you have for impressing your clients? In today’s financial world, advisors have more competition than ever. That is not to say that every person providing these services offers the same product or the same quality of service. However, it is true that these professionals have the tools and resources to tap into your client base. To compete, you need to provide a better level of quality service. With retirement plan consultants, you may be able to do just that.

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How They Can Help You

When you turn to retirement plan consultants, these professionals go to work providing you with the services you need. In many situations, this means providing value-added services. How can consultants help you show your clients how much you value them? There are many ways.

For example, they can provide more informational sessions and provide more supportive phone calls support. They can provide one-on-one planning information and tools to help your clients to make decisions better fitting to their needs. They can also help you to have more time to do the tasks you need to do. By alleviating some of the burden from managing your practice, these pros allow you to have more time to handle your unique customer needs. Though each company is a bit different in the tools and resources they offer, the very best in this field provide specialized tools to help you achieve your biggest goals.

Retirement plan consultants provide you with outstanding support. They give you the ability to provide more features, tools, and support to your clients. In the long term, this means providing them with a better product. Your goal should always be to choose a quality professional to work alongside you to achieve these types of goals.


Commercial Broker Nyc

Commercial Broker NYC


Erik Nissani

Although most people with some experience in the real estate market understand that trusting the other party s agent 100% is a bad move, they tend to put more faith in a commercial broker. NYC s market is vastly different than the markets in many other parts of the country, and due to cost factors and availability, renting is almost as common as owning, and in some areas even more so. This is especially true with commercial real estate and with small business owners looking to expand their office or services spaces. Often, commercial brokers in NYC work with both buyers and sellers to come to help both parties close the deal in a way that benefits everyone. However, as with most things in life, you re banking on the fact that the broker is both trustworthy and working for you rather than the other party. Even the best broker is going to be biased towards the person paying for their services, even if they treat the other party as if the broker is, in fact, working as a true third party. With Willowstone Realty, you are actually getting a broker that strives to ensure everything is working in the favor of the buyer or potential tenant. When it comes to commercial broker services in NYC, it can truly be a dog eat dog world; and, as is only natural, oftentimes tenants or buyers don t have as much experience in the market as the person they re looking to buy or rent from. Sadly, this lack of experience can make it easy for the wool to be pulled over one s eyes. At Willowstone Realty, we make sure that you understand everything that is currently happening, the deal you re getting, and work diligently to ensure you re obtaining a space that will work for you in all aspects, not just for the other party. Commercial Real Estate NYC Like many cities, commercial real estate NYC is just as prominent as residential, if not more so. Unlike smaller towns or cities in which housing makes up a large portion, housing and commercial properties not only coexist equally in here, they often mix. This fact makes commercial real estate in NYC a much different type of market than anywhere else. Considered the hub of international commerce, New York City is rife with both modern and older buildings and, as such, the types of commercial real estate available in the area varies so drastically that it can be overwhelming for even the most experienced property buyer or renter. Willowstone Realty can help you to narrow down the endless choices of commercial real estate available by style, size, price, and location, and help you to find a space that has everything you want or need. Although many brokers will simply try to move the highest revenue-generating piece of property, our brokers realize that we re only successful in this business if our clients are. This is why we also strive to find you a plethora of options that hit all of your major must-have features for a price that will allow you to grow your business, rather than spend all of your profits on rent or a mortgage. There is another way to handle commercial real estate in NYC, and Willowstone Realty has it covered. Office Space Chelsea Chelsea, often viewed as an artist s haven, is actually filled with interesting, functional, and affordable office spaces that can work for just about any business. From unique industrial-style lofts to office spaces that resemble townhomes, everyone from a private lawyer to therapists to insurance agents can find an office space in Chelsea that works for them. Located in world-famous Manhattan, Chelsea is adjacent to several of New York s prime business locations. By train, it is only 7 minutes from 42nd Street (home to Times Square, Grand Central Station, and the Chrysler Building), 12 minutes from Fulton Street (the heart of New York s subways system), and only 8 minutes from Columbus Circle. In addition to this, you can get to Union Square from your office space in Chelsea in only a minute! As with most types of real estate, location really is everything, and this is no truer than with commercial real estate in New York. If you re looking to buy or rent office space in Chelsea, Willowstone Realty can help you to find the best section with the most benefits to your specific business needs. Whether you cater to artists or other small business owners, or you rely on foot traffic, we can find an office space in Chelsea that will enable you to grow your business to its fullest potential. Office Space SoHo When looking for an office space in SoHo, cost is a factor for many people. This infamous New York City neighborhood is rich in retail stores, restaurants, and other incredibly unique businesses. However, all of this does come at a cost. Office space in SoHo is top-notch in the commercial real estate market of New York. And as such, finding something that fits your needs and your budget requires some serious legwork and expertise. After all, having the single goal of being in one specific neighborhood like SoHo is only possible if you re looking for a residential property; as you know, your business can t function without the proper space or exposure, even if it is in such a desirable location.

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Erik Nissani is well experienced professional commercial broker nyc working for commercial real estate nyc. at Willow Stone Realty. In this article, he explained all the real estate related facalities and services which are available at Willow Stone Realty.

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Top 4 Different Ways To Manage The Junk Easily}

Top 4 different ways to manage the junk easily


Dave Kocemba

If you wish to keep your surroundings clean and neat, the task of removing what you consider to be junk should be done periodically. Some people think outsourcing a junk removal service is a waste of money but they dont know hiring a junk removal service actually saves their time, safeguards them from adverse effects, and is worth the money. Continue reading to find out more

Here are some useful tips for removing junk safely.

– Find the finest provider of a junk removal service.

– Repair or remove broken items.

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– Sell the unwanted stuff.

Find the Finest provider of Removing junk

There are several junk removal services in MN, hence do your research and choose the best service to keep your environment neat and clean. The qualification of a good junk removal professional is that they should be trained and experienced. They should have the appropriate tools and equipment to complete the job and remove the junk. Beware of fraudsters when hiring a junk removal company. Choose the one that is certified & prompt, and offers the service at competitive prices.

Repair or Remove Broken Items

To avoid the junk, repair the broken stuff or recycle it. This will enhance the look of your dcor and keep unwanted junk sitting in the landfill. If you cannot recycle any product, throw it away in the trash and that will avoid junk piling up.

Sell the Unwanted Stuff

Instead of storing unwanted junk, just sell it or do possibly reuse it. Separate your junk before removing as recyclable and non-recyclable types. Sell the recyclable junk and put money in your pocket. Many shops around Minneapolis will buy recyclable junk, so contact them or give it to the best junk removal company in Minneapolis as they will take care of it. This will save your money and make the work easier.

Know Who Can Take Care of it

Still searching for a junk removal service..??!! Choose your trustworthy junk removal service in Minneapolis MN and start the work as soon as possible to keep your place neat and clean. Not only will the interior of your house give its best impression, but the surroundings will also play a major role.

The author of this article is working at Junk Happens that offers

junk removal in Minneapolis MN

at affordable prices. In this article, he discusses the ways to manage the junk safely. To know more visit

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Real Estate, Mutual Funds, Entrepreneurship Or Just Saving?}

Submitted by: Charlton Brown

Why the time is NOW for the 40 something man to start preparing for his future!

If I were to ask you which age group is experiencing the most financial hardship, you might think of the Baby Boomers (55-70) approaching retirement after a decade of weak stock and real estate markets or the Millennials (21-34) squeezed between poor job prospects and high student loan payments. Theres some truth in both of those characterizations. But according to recently released generational research report, its the smaller and often forgotten Generation X (35-49) that is struggling the most.

Generation Xers are suffering the double whammy of experiencing touch economic times at a particularly vulnerable financial stage of life. While most Millennials were too young to own stocks or real estate during those market crashes and Baby Boomers enjoyed decades of growth in both assets throughout the 80s and 90s, many Gen Xers had the misfortune of starting their investing just as both markets were peaking. As a result, a recent census report found that people between 35 and 44 saw a 59% decline in median household net worth between 2005 and 2010, the largest drop of all age groups. A household age 35-44 is now 44% poorer than their counterparts of the same age in 1984 according to a Pew Research Center study.

This comes at a stage of life in which a majority of Generation Xers own a home (translate: have a mortgage payment) and have minor children (translate: extra mouths to feed). Both are in contrast to the younger Millennials who have fewer financial responsibilities and can often rely on the Bank of Mom and Dad for help. Baby Boomers are usually empty nesters and have had more time to build up emergency savings and other assets. Is it any wonder that this age group reported the highest levels of financial stress?

So if youre a Gen Xer or 40 something man contemplating improving your financial situation this year, here are some moves to consider:

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1) If you have a family, make sure its protected. That means more than teaching Junior how to cross the street. It also means having adequate life insurance and basic estate planning documents like a will, advance health care directives, durable power of attorney, and perhaps a living trust if you own real estate.

2) Create a budget. Generation Xers are the most likely age group to live beyond their means. The first step to living below your means is to find out what your current expenses are by looking at your previous bank and credit card statements and categorizing them on a worksheet. (Dont forget to also include non-monthly expenses like vacations and holidays by dividing their annual amounts by 12.) You can then see if you can reduce any of those expenses until your spending is less than or equal to your take home income (sorry, youre not the federal government).

3) Manage your cash flow. Once you have a budget, the hard part is sticking to it. You can track your spending online with a site like Mint or yodlee Money Center that can also send you alerts when you start to spend too much in any area. Another option is to give you and your spouse set cash allowances each week or month. You can spend the money however you like but when its gone, its gone until the next week or month.

4) See if a strategic default on your mortgage makes sense. If youre still struggling to pay your bills and youre underwater on your mortgage, a mortgage calculator can help you decide whether it makes sense to just walk away from your home. However, it will certainly hurt your credit and you may want to seek legal counsel about other possible ramifications.

5) Pay off high interest debt. Generation Xers were the most uncomfortable with the amount of non-mortgage debt they had. Paying down any high-interest debt (anything above 6-8%) should be a top priority for your savings. The quickest way is to put any additional payments towards the debt with the highest interest rate. As one balance is paid off, those payments would then be re-allocated to the debt with the next highest rate until theyre all paid off.

6) Run a retirement calculator (with some caveats). The top vulnerability for your generation is not saving enough for retirement. The good news is that youre still young enough for more savings to have a significant impact. You can get an estimate of your Social Security benefits here (use future dollars for our calculator) but dont take the numbers at face value. Instead, youll want to reduce the benefits by at least 75% since thats how much of the benefit is projected to be funded after 2033. If you need to save more than you are now, go back to your budget and look for more ways to cut expenses. The key is to balance your current and future spending.

7) Contribute to a Roth IRA. One place to put those savings is a Roth IRA. If youre a typical Gen Xer, youre trying to balance multiple goals so you can benefit from the dual benefits of a Roth IRA as a vehicle for both retirement and emergency savings (our research showed that lack of both were their top two vulnerabilities). Whatever you contribute to a Roth IRA can be withdrawn tax and penalty free at any time and for any reason so your money wont be tied up if the next Hurricane Sandy costs you some money in repairs. On the other hand, whatever you dont withdraw grows to be tax-free after age 59 1/2 so dont dip into this account for your next iPad purchase. Just dont take out any earnings before age 59 1/2 or they could be subject to taxes and a 10% penalty. Leave the Roth IRA invested someplace safe and accessible like a savings account or money market fund until youve accumulated enough emergency savings (at least 3-6 months of necessary expenses) somewhere else.

8) Increase contributions to your employers retirement plan. Since even maxing out your Roth IRA contributions is unlikely to be enough, youll probably need to save more in your 401(k) or whatever plan your employer offers. But dramatically increasing those contributions may not be realistic with a large mortgage payment. Fortunately, that mortgage payment wont rise with inflation the way your income will and you can start putting the difference away for retirement. See if your retirement plan provider has a feature called a contribution rate escalator to do that for you automatically by gradually increasing your contribution rate until you reach your target percentage. If not, it only takes a few minutes each year to increase it yourself.

9) Consider using a target date retirement fund. These funds are designed to simplify your investing by providing a one-stop shop that will start relatively aggressive and automatically become more conservative as you get closer to retirement. You may be tempted to be more conservative now since youve largely experienced a weak stock market but keep in mind that long periods of low stock market returns tend to be followed by periods of strong returns. Youll want to be invested when that happens.

Generation Xers have been bombarded by a host of financial challenges at a time when theyre struggling to pay mortgages and raise families. But previously known as the latchkey generation, they are no strangers to self-reliance in the face of adversity. Theyll just need a little of that self-reliance to deal with the problems of today.

If you feel that you are not getting out of life what you deserve become a part of a community of successful and happy 40 something men who are taking control of their life by following the path of The New 40 Something Man.

About the Author: I am a lifestyle expert with specialization on 40 something men.To learn more, download my free 26-page guide here


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Reasons To Select A Houston Commercial Real Estate License

Submitted by: Linda Robicheaux

Houston, TX – Spencer, a Houston real estate school with 45 years of history, advises potential students to consider many different factors when selecting a real estate education program.

Here are the top five things to look for in a real estate school.

Affordability: Fees for classes can vary greatly; be sure to find an affordable program. Spencer’s classroom, correspondence and online real estate classes in Houston are reasonable in their pricing. Spencer is also part of a plan that offers financial assistance to veterans and their families.

“We don’t want anyone to feel they cannot attend for financial reasons,” says Linda Robicheaux, the director of Spencer, which also provides payment plans for people who must fund their education over time.

Small Classes: Just about everyone prefers smaller class sizes. Spencer won’t put a student in a lecture hall with 50 or 100 other students. Every class has no more than 10-12 students, so students can be sure they’ll receive the individualized attention from the instructor that they want. Even their Houston online real estate courses stay small so that instructors can focus on individual students. They offer a variety of courses for real estate sales people, loan processors, brokers, loan officers, mortgage brokers and inspector licensing appraisers. Their classes are 100 percent customizable.

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Qualified Instructors: One of the most important factors in choosing a school is whether their instructors are knowledgeable and qualified.

“Spencer has top-flight instructors, an award-winning curriculum, and staff who care about the students. All our instructors currently practice in the industry,” notes Robicheaux, from the Houston real estate training school. “This is vitally important. Real estate is a field which is always changing. Your instructors must pay attention to industry trends and provide instruction based on professional experiences.”

Spencer s staff includes well-known professors with expertise in real estate specialties such as law, finance, residential, architecture, commercial, building structures, mortgages, short-sales and urban planning.

Location: The best schools offer a centralized location and accessible classes. Spencer is headquartered in Houston, but provides instruction throughout Texas. “Often students say that our centralized location is one of the factors that attracted them,” observes Robicheaux.

Flexible Schedules: Students need a school that holds classes at times that they are available to attend them.

“Spencer was designed by professionals, for professionals,” notes Robicheaux. “We know how hectic the lives of real estate professionals can become and we make every effort to assist them.”

The school provides classes seven days a week and offers many at night. For those who can’t get to one of their locations, participate one of the correspondence or online real estate courses in Houston.

About Spencer Schools of Real Estate

For 12 years, Spencer Schools has been providing award winning Texas pre-licensing and continuing education courses in multiple formats to fit busy schedules. Students can choose from classroom, correspondence, or online courses for real estate sales people, real estate brokers, loan officers, mortgage brokers, loan processors, appraisers, and inspector licensing agents. Spencer offers classes seven days a week supported by quality instructors, an award winning curriculum and a student- focused staff.

2011 Master Google and Spencer Schools. Authorization to post is granted, with the stipulation that Spencer Training and Master Google (contact them to learn how much does SEO cost) are credited as sole source. Linking to other sites from this document is strictly prohibited, with the exception of herein imbedded links.

About the Author: To learn more about Houston

commercial real estate license


Houston online real estate

courses or our Houston

real estate license

call at 713-334-1900.


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Real Estate Mentoring For Smarter Investing

Real Estate Mentoring for Smarter Investing


Bryan Upton

Investing in multi-family properties can be a fantastic source of income, especially when you are able to get a good deal on the property in a buyer\’s market. However, there is a lot to know about investing in real estate, as the process can be much more complex than investing in mutual funds or securities. The best way to ensure you make a wise investment is to look into real estate mentoring.

What is Real Estate Mentoring

Real estate mentoring essentially involves a seasoned professional, or a company with extensive experience in real estate investing, providing you with useful advice and helpful information so you can make an informed decision.

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Real estate mentors know the ins-and-outs of investing in multi-family and commercial real estate. A mentor can provide you with advice on every aspect of the purchase and management of the property, from determining whether the income from the property will support your cash flow to dealing with evicting tenants who do not pay the rent.

Whether you are a beginning investor in real estate, an investor who is new to buying multi-family properties, or a seasoned expert looking for additional help and advice, real estate mentoring may be just what you are looking for.

The Benefits of Real Estate Mentoring

Unlike with stocks and securities, real estate is not a very liquid investment and it is almost always best as a long term investment. In other words, except in rare cases, you will not buy a rental property or a multi-family property and turn around and sell it immediately. You would not want to do this for many reasons, most notably the costs of the purchase and sales transactions and the commissions and fees you would incur.

Since purchasing a multi-family home is a major investment that typically requires a lot of money, you do not want to make a bad decision and be stuck with an investment that doesn\’t pay or that doesn\’t appreciate in value. While there are always fluctuations in the market and there are never any guarantees, land does tend to go up in value over time and rental properties usually are a good investment provided you choose the right property, manage it well and are willing to wait out downturns in the market. A real estate mentor will help you to ensure you do choose the right property and manage it well so you can increase your chances of success.

Choosing a Real Estate Mentor

Once you have decided that real estate mentoring is right for you, you should find a knowledgeable individual or company that provides mentoring services. Pay attention to what type of mentoring is included and what type of help and aid is provided and make sure that the services included cover what you need help with. For instance, if you are primarily concerned with working out cash flow numbers and finding tenants for your units, you\’ll want a mentor who offers you assistance in these areas. Whenever possible, of course, it is best to find a mentor with a broad range of expertise who can help you with all issues that may come up.

Learn more about

Real Estate Mentoring


Real Estate Training

at Whybuyapartments.Com

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Choosing In Home Care Vs. Assisted Living}

Submitted by: Kevin Bush

As America’s population ages, more and more people are faced with having to provide services such as in home care for their parents and grandparents. Caring for those who helped us grow into the people that we have become is an important and often difficult duty. When it becomes clear that an elderly loved one can no longer care for themselves or maintain their home on their own, part-time or even round-the-clock care is a logical and necessary next step. In order to provide the best care for your loved ones with the least disruption to their lives, it’s a good idea to consider both in home care and assisted living solutions. Depending on your preferences and the level of care needed, either of these options could significantly benefit your family.

In Home Care

According to the National Association for Home Care & Hospice, nearly 7.6 million Americans receive in home care at least some of the time. In home care is often the first choice made by many families. Many elderly people prefer to remain in their homes for as long as possible, and with good reason! We spend our whole lives organizing our homes to our liking and amass large collections of belongings, not to mention a lifetime of memories. Leaving all of this behind to move into an assisted living facility can be emotionally jarring. If your loved ones are living with dementia, this transition becomes even more difficult, as familiar people and places often help those suffering with dementia to cope. In home care can be a god-send for these folks.

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In home care can be as logistically simple as scheduling family life to ensure that a family member is always home with grandma or grandpa, but for many busy families, this is tough to manage, and can put a lot of undue responsibility on younger family members. Most families considering in home care hire a home care aide or a nurse at least part time. These trained professionals ensure that the needs of your loved one are met, help them with daily tasks, and take some of the burden off of the family. Having a professional take over the in home care responsibilities for even just one or two days a week can be a wonderful stress reliever. Though sometimes expensive, in home care often costs significantly less than assisted living. Ultimately, in home care is preferred by many elders.

Assisted Living

There are many reasons to choose assisted living over in home care for your loved ones, and more than 900,000 people call assisted living facilities home, according to the National Center for Assisted Living. For some, scheduling and professional obligations make it impossible to provide around-the-clock care at home. Others simply can’t keep up with the effort and expense of home maintenance and upkeep. In some cases, grandma or grandpa live alone in a home intended to house a large family, and they simply don’t need the space anymore. In any of these cases, assisted living presents a solution.

In most assisted living facilities, residents have their own apartments, and are able to live as independently as they could at home, but with the increased safety and security of having 24-hour trained staff on-hand just a few steps away. With assisted living, trash, snow removal, and other maintenance is taken care of, and doesn’t burden the elders or their families. As a resident’s needs increase, the level of care provided can increase as well, without having to relocate. Assisted living staff can assist with medications, provide meals, and assist with day-to-day tasks, all in a home-like environment. For many elderly people, this is a wonderful alternative to a nursing home, providing much more privacy and independence.

Choosing in home care vs. assisted living for your parents or grandparents is an incredibly personal decision, and there is no one correct answer. In the end, your choice will be as individual as your loved one, and you will be secure in the knowledge that your family member is being well cared for.

About the Author: Click here to speak to an expert senior care specialist at Pittsburgh Senior Care. Click here for the orginal source of this article:


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