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  22. <title>Personal Finance Series: No 28 &#8211; The Wealthy Skill Of Influencing With Integrity</title>
  23. <link>https://rbzonesln.info/personal-finance-series-no-28-the-wealthy-skill-of-influencing-with-integrity</link>
  24. <comments>https://rbzonesln.info/personal-finance-series-no-28-the-wealthy-skill-of-influencing-with-integrity#comments</comments>
  25. <pubDate>Wed, 19 Apr 2023 16:24:33 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
  27. <category><![CDATA[Uncategorized]]></category>
  28. <category><![CDATA[ai photography]]></category>
  29. <category><![CDATA[digital photography]]></category>
  30. <category><![CDATA[ed sheeran photograph]]></category>
  31. <category><![CDATA[film photography]]></category>
  32. <category><![CDATA[landscape photography]]></category>
  33. <category><![CDATA[landscape photography tips]]></category>
  34. <category><![CDATA[landscape photography tutorial]]></category>
  35. <category><![CDATA[learn photography]]></category>
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  38. <category><![CDATA[photograph]]></category>
  39. <category><![CDATA[photograph lyrics]]></category>
  40. <category><![CDATA[photography]]></category>
  41. <category><![CDATA[photography for beginners]]></category>
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  51. <guid isPermaLink="false">http://rbzonesln.info/?p=90</guid>
  52. <description><![CDATA[Another critical skill in managing money well, in becoming wealthy rather than chasing money, is the skill of influencing others. This is, to get others to respond favourably to your actions, wishes, words, and deeds.In matters of personal finance budget management, understanding the &#8216;picture&#8217; of personal finance in advance of shopping trips, dates, and conversations [...]]]></description>
  53. <content:encoded><![CDATA[<p> Another critical skill in managing money well, in becoming wealthy rather than chasing money, is the skill of influencing others. This is, to get others to respond favourably to your actions, wishes, words, and deeds.In matters of personal finance budget management, understanding the &#8216;picture&#8217; of personal finance in advance of shopping trips, dates, and conversations with a partner or spouse, means that a vital part of preparation has been taken care of. It removes the guesswork in misunderstanding. It reduces mistaken communication.Influencing: Get Results with IntegrityA person with strong influencing skills are easy to spot &#8211; people want to be around them. These people communicate with integrity because they are not pressurising other to do their bidding. They set about taking action, they are adaptable to the circumstances they are in. People are influenced positively because they are acknowledged, appreciated and feel understood.When influencing with integrity, it is important to remember that the perception you generate is the reality created, and therefore understanding yourself is am important step in having any positive impact on others.Influencing: The Hidden Signs of LyingOne of the most important skills in influencing skills is being able to spot when you are being sold to, or lied to or both. Sales professionals, ethically or otherwise ultimately want to influence you to buy what they are selling, so when considering decisions of personal finance spending, it is very useful to know when you are being deceived or lied to. This will enable a better decision and judgment of the proposed purchase.When people lie, they behave differently than normal. Often their limbs and arms will be stiff, jerky and gestures will be towards themselves rather than away from their bodies. People, when lying avoid eye contact or might touch their face, throat, mouth or behind their ears in a self grooming gesture which reassures themselves while they tell an untruth. Expressions are mismatched from the words they use, like a delayed smile, or even a forced smile. They might speak faster, be defensive, or unconsciously place an object between themselves and you, like fiddling with a pen, cup or crossing their legs.Understanding these hidden signs allows for a more informed processing of the information being listened to, and an appropriate response to be formulated.Influencing: Understand before being UnderstoodThe famous author Steven R Covey, talks about the power of influencing and one of the principles he advocates is to understand the other person properly before trying to make them understand you. It involves setting aside all the confusion that comes with first impressions; their mannerisms, looks, dress, and voice. By looking beyond these things, it is possible to understand a person at a deeper level.Many people don&#8217;t listen properly when in a conversation, and assume they know what the other person is saying. To understand before being understood is to properly diagnose the problem before offering a solution. This has the benefit through insight, of communicating more effectively because of that deeper understanding &#8211; and it removes one of the most common barriers to communication.Influencing: How to Make Friends with Social MediaRead their profile and interests<br />
  54. Comment on their status updates<br />
  55. Send helpful private messages or links<br />
  56. Talk about them not you<br />
  57. Add links and useful comments to your wall<br />
  58. Respond when they comment on your postingsBy foregoing the &#8216;get rich quick&#8217; schemes and &#8216;make push-button money&#8217; products, influencing with integrity creates a behaviour and way of thinking that drives deep relationships. It is the best form of longevity in business, and the most profitable. Therefore, when thinking about money management, think about &#8220;The Right Thing&#8221; for you and your family. Set parameters, budgets and measurements and use online budget software to help you. </p>
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  63. <item>
  64. <title>Beginning Photography Tips</title>
  65. <link>https://rbzonesln.info/beginning-photography-tips</link>
  66. <comments>https://rbzonesln.info/beginning-photography-tips#comments</comments>
  67. <pubDate>Wed, 19 Apr 2023 12:32:49 +0000</pubDate>
  68. <dc:creator>admin</dc:creator>
  69. <category><![CDATA[Uncategorized]]></category>
  70. <category><![CDATA[ai photography]]></category>
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  74. <category><![CDATA[landscape photography]]></category>
  75. <category><![CDATA[landscape photography tips]]></category>
  76. <category><![CDATA[landscape photography tutorial]]></category>
  77. <category><![CDATA[learn photography]]></category>
  78. <category><![CDATA[lyrics photograph]]></category>
  79. <category><![CDATA[outdoor photography]]></category>
  80. <category><![CDATA[photograph]]></category>
  81. <category><![CDATA[photograph lyrics]]></category>
  82. <category><![CDATA[photography]]></category>
  83. <category><![CDATA[photography for beginners]]></category>
  84. <category><![CDATA[photography ideas]]></category>
  85. <category><![CDATA[photography lessons]]></category>
  86. <category><![CDATA[photography tips]]></category>
  87. <category><![CDATA[photography tutorial]]></category>
  88. <category><![CDATA[street photography]]></category>
  89. <category><![CDATA[street photography basics]]></category>
  90. <category><![CDATA[street photography tips]]></category>
  91. <category><![CDATA[travel photography]]></category>
  92.  
  93. <guid isPermaLink="false">http://rbzonesln.info/?p=84</guid>
  94. <description><![CDATA[Taking great photographs often depends on practice and experimentation. If you are not satisfied with the results of your recent photographs there are some beginning photography tips that can you can use to quickly improve your photographs.Beginning Photography Tips #1 &#8211; Fill the frameOne of the reasons that many people are not satisfied with their [...]]]></description>
  95. <content:encoded><![CDATA[<p> Taking great photographs often depends on practice and experimentation. If you are not satisfied with the results of your recent photographs there are some beginning photography tips that can you can use to quickly improve your photographs.Beginning Photography Tips #1 &#8211; Fill the frameOne of the reasons that many people are not satisfied with their pictures is the fact that the subject is so distant within the frame of the photograph that is difficult to see them. In such cases, the subject is typically lost within the scene.The following beginning photography tips will help you to fill the frame with your subject and create far more interest:1. Use your optical zoom lens. This is a great way to achieve close-up shots.2. Move closely in order to make sure you are positioned as effectively as possible to achieve a close-up shot.Beginning Photography Tips #2 &#8211; The rule of thirdsThe rule of thirds is one of the most important beginning photography tips you should be aware of in order to achieve good results. Some digital cameras today have the ability to place a 3&#215;3 grid over the scene which can help this process. Even if your camera does not have the ability; however, you can image the grid, divided by width and length.Your subject should ideally be placed on the intersection of two lines but this is in no way mandatory. There is nothing magic with the intersections and the most important thing with the rule of thirds is that it helps you avoid centering the subject in all your photographs. If you place the subject out of the center of the photograph, you will find that you can achieve more visual interest in your photographs.Beginning Photography Tips #3 &#8211; Unclutter the sceneAnother reason why some photographs do not tend to turn out well is that they are too cluttered. It can be difficult for the main subject to stand out in the photograph is the background and surroundings are too cluttered.Try to choose settings where the background is simple and uncluttered. This will help your subject to stand out and prevent it from blending in with everything else in the background.Beginning Photography Tips #4 &#8211; Fill flashIn some cases you may notice that there simply is not enough light from the existing light source. In this case you may need to supplement the light source. A solution to this problem is the fill flash. This is not a true flash as a flash would generally be used at night.A fill flash works to provide supplementing lighting, or to fill in light in the part of the photograph where the shadows are too strong. This can make a dramatic and immediate difference in your photos.A typical example is if you take a close-up photograph of a flower in very strong daylight and contrast. In this case you are likely to get fairly strong shadows in some parts of the flower. A fill flash can give these shadows a &#8220;kiss&#8221; of light to brighten them slightly.Most cameras on the market today have a fill flash feature. You do not even need to use full manual mode in order to take advantage of the fill flash feature. The exact way in which you use the fill flash feature will depend on your camera model, so you should check your owner&#8217;s manual.Many cameras have a lightening bolt near the main button. By pressing this button you should be able to go through the different flash options.Beginning Photography Tips #5 &#8211; PracticeMany people make the assumption that buying a lot of expensive equipment right away will automatically produce great photographs. While more advanced equipment can provide you with more options, it cannot take the place of practice and experience.Even a point and shoot camera can be used to take great photos when you spend some time experimenting and practicing. The more time you spend taking pictures the more you will learn and the better photos you will be able to produce. </p>
  96. ]]></content:encoded>
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  99. </item>
  100. <item>
  101. <title>Market Research &#8211; Drop Past Participation Restrictions, Save Money</title>
  102. <link>https://rbzonesln.info/market-research-drop-past-participation-restrictions-save-money</link>
  103. <comments>https://rbzonesln.info/market-research-drop-past-participation-restrictions-save-money#comments</comments>
  104. <pubDate>Sun, 02 Apr 2023 03:53:25 +0000</pubDate>
  105. <dc:creator>admin</dc:creator>
  106. <category><![CDATA[Uncategorized]]></category>
  107. <category><![CDATA[Market Research]]></category>
  108.  
  109. <guid isPermaLink="false">http://rbzonesln.info/?p=82</guid>
  110. <description><![CDATA[Recruiting respondents for qualitative market research projects has changed a lot in the past 20 years. One of the most profound changes is the increase in the number of potential respondents who are either familiar with qualitative market research or who have participated in research in the past.Our findings indicate that roughly 75 percent of [...]]]></description>
  111. <content:encoded><![CDATA[<p> Recruiting respondents for qualitative market research projects has changed a lot in the past 20 years. One of the most profound changes is the increase in the number of potential respondents who are either familiar with qualitative market research or who have participated in research in the past.Our findings indicate that roughly 75 percent of people who respond to first-time telephone or email invitations (not including Craigslist or similar ads) have had previous experience with qualitative research in one form or another. And that&#8217;s good for both researchers and respondent recruiters. The more people who respond favorably to market research invitations, the better the chances of finding the respondents you need. What&#8217;s more, higher cooperation rates reduce recruiting fees.But what about past participation restrictions?The initial idea behind these types of restrictions was noble: No one wants cheaters muddying up their research, or respondents who participate solely for the money. But in practice, disqualifying respondents because of recent or frequent participation can raise recruiting costs while doing little to purge dishonest respondents. Unrealistic past participation restrictions can also make it virtually impossible to complete hard-to-recruit assignments. The result is often expensive recruiting that goes over budget, coupled with unplanned relaxations to qualifying criteria.Imposing past participation restrictions on all projects may have been practical 20 years ago &#8212; before consumers were flooded with invitations to take part in market research studies. But just because past participation restrictions remain &#8220;standard industry practice&#8221; doesn&#8217;t mean they actually help your research in today&#8217;s world. Yes, past participation restrictions certainly have their place &#8212; but not when recruiting low-incidence studies, projects with quick turnarounds, or when you&#8217;re trying to save money. </p>
  112. ]]></content:encoded>
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  114. <slash:comments>0</slash:comments>
  115. </item>
  116. <item>
  117. <title>Tools to Support the Internet Marketer</title>
  118. <link>https://rbzonesln.info/tools-to-support-the-internet-marketer</link>
  119. <comments>https://rbzonesln.info/tools-to-support-the-internet-marketer#comments</comments>
  120. <pubDate>Sun, 02 Apr 2023 00:03:02 +0000</pubDate>
  121. <dc:creator>admin</dc:creator>
  122. <category><![CDATA[Uncategorized]]></category>
  123. <category><![CDATA[Transportation]]></category>
  124.  
  125. <guid isPermaLink="false">http://rbzonesln.info/?p=80</guid>
  126. <description><![CDATA[It is true that the number of internet marketers are growing rapidly, the numbers are expected top continue to grow for the near future. This means that all of those new marketers as well as many of the ones already engaged to making their livings online will be looking for tools to help support their [...]]]></description>
  127. <content:encoded><![CDATA[<p> It is true that the number of internet marketers are growing rapidly, the numbers are expected top continue to grow for the near future. This means that all of those new marketers as well as many of the ones already engaged to making their livings online will be looking for tools to help support their internet marketing efforts.This article was designed to give some insight into just what initial internet marketing tools you may need to operate your online business in a efficient and profitable manner.What are internet marketing tools?From my experience any product, service, tactic, technique or method that will enable the creation, operation and ultimate success of a online business or website can be considered a Internet marketing tool. I know that there are many, much more detailed explanations for this term, how ever for the purpose of this article the above description will work just fine.Below you will find a few of the most important tools to support the internet marketer and a brief explanation of what they are.Search EnginesOne of the main internet marketing tools you should become familiar with are the all important search engines. The success of your online business will mainly depend on you getting a large amount of visitors or targeted traffic to view your particular product, service and/or website. The most basic yet efficient way is the use of search engines, You must learn to understand how they work to receive the best results.The first thing you will need to realize is that to get the most traffic from this method means that you have to get your website in a favorable position on the search engine page or (high page ranking). To accomplish this will take some time and preparation of you website or page. you see the major search engines use various criteria to figure out what website will get the top page ranking or position. it not only depends on the quality and relevancy of your website content in regards to the product service or business you will be promoting it will also depend on different algorithms that only the search engines can understand. With that in mind you should remember to never write or develop your sales copy or content to impress the search engines. You should stay aware that algorithms do not ask questions or make purchases of your product or service, it will do you best if you simply concentrate on making a positive impact on your potential customers and the search engines will follow likewise in a positive manner. You should start with the major search engines, &#8220;Google&#8221;, &#8220;Yahoo&#8221;,&#8221;MSN&#8221; &#8220;Bing&#8221;Website developmentFor all those internet marketers that will want to promote their own product or service, it will be necessary for you to construct, build or develop your website. In the ever changing days of doing business online there has been great advancements in tools to support the internet marketer in this area.A very popular method of getting your website created these days is to do it your self with the use of a tool called the &#8220;WYSIWYG&#8221; (What You see is What You get) web page editor. This method is relatively easy to use. it is not necessary to learn any complicated code or computer language, you only need to become familiar with the standard symbols in the &#8220;WYSIWYG&#8217; editor and what functions they control and you are in business. You can find this product for free download to your own computer off of the internet. It comes called by different names, some of them are; &#8220;Page Breeze&#8221;, &#8220;KompoZer&#8221;, and &#8220;WYSIWYG Web Builder&#8221;. If you are considering trying your hand at building your own website this internet marketing tool could prove to be very valuable to you.The next internet marketing tool designed for the convenience of the person who desires their own website or web page is the website template. &#8220;A web template is a tool used to separate content from presentation in web design, and for mass-production of web documents. It is a basic component of a web template system. Web templates can be used to set up any type of website. In its simplest sense, a web template operates similarly to a form letter for use in setting up a website&#8221;. Web templates may be utilized virtually by any person or even business to set up their own website. When the template is bought or downloaded, the user can substitute all of the useless material included inside the web template with their very own special business, products or service information and facts.<br />
  128. Templates may also be made use of to:1. Show private information and facts or perhaps every day routines as in a weblog.<br />
  129. 2. Promote products and services on-line.<br />
  130. 3. Show information and facts regarding your business or enterprise.<br />
  131. 4. Show any gallery of photographs.<br />
  132. 5. Put audio files for example mp3 on line intended for play by means of the Internet browser.<br />
  133. 6. As a location for videos on-line for the purpose of general population to see.<br />
  134. 7. In order to setup a confidential sign in location on-line.Web Hosting ServicesOnce that you have created your website you will definitely need use of another very important internet marketers tool to give your website &#8220;a place to live&#8221; so to speak. What you will need is a web hosting service. What will this tool do for you? A functional web hosting service is a kind of Internet Hosting service of which can provide the space for people and businesses to get individual websites available for access using the internet. Web hosts are providers which give space on their web server they have possession of as well as lease, intended for use by their customers in addition to supplying internet online connectivity. A excellent dedicated server web hosting is actually more suitable, however not really required. In the event that you will be on a small spending budget, you could still start using a shared server web hosting option. The key is to do your research when looking to acquire a web hosting service. Make sure that the one you choose will be able to handle all of your specific internet business needs.AutorespondersAutoresponders are a very important tool to support the internet marketer. In these days of competitive internet marketing you will need to keep in contact with your website visitors, business contacts and website members. The way to do this efficiently and effortlessly is by utilizing a autoresponder.Many individuals may take a look at autoresponders also ways to begin using them to develop their online business. That is a great approach in my opinion, however you should know what a autoresponder is.Basically, it is a software program which allows you to deliver email messages to individuals effectively yet automatically. No this does not imply that it produces the emails on your behalf, also it does not include junk e-mail or delivering unrequested email messages. Exactly what you will be able to do is that you will be able to set up a series of prewritten messages which are sent in a specific order to prospective customers on your own database at recurrent time periods.The significance of this can not be underrated. Again and again online marketing experts explain how the money is in the list. This is simply not just something they say for their health. The internet marketing and advertising experts realize that this really is a inescapable fact. It has been proven over and over again that the more individuals that you can get to opt in to your mailing list that show a interest in your specific online business, product or service, is directly related to the greater income you will generate.You should use an autoresponder in order to effectively send email messages to your own potential customer list, even though you are not even at the personal computer. What you can put together is, for this example, a multiple part email course or report. You&#8217;ll then arranged the time periods so that your emails will, you can first try, daily make sure you only send them one section of the report or email course every day. Which means you create the actual e-mail once after which anybody becoming a member of that list will automatically receive those emails for as many days as your report or email course has parts. (3 parts &#8211; 3 days, 4 parts &#8211; 4 days, 5 parts &#8211; 5 days).This action will happen regardless if you&#8217;re online or even if you are far from Your computer. They&#8217;re going to be emailed on auto-pilot. Your potential customers will also be added onto your list without you having to lift a finger. If for any reason they don&#8217;t want to remain on your list, they have the option of un-subscribing, and all of this is handled effortlessly, efficiently as well as automatically without any help from you.A few of the more trusted and popular auto responders are: &#8220;AWeber&#8221; &#8220;Get Response&#8221; and &#8220;I Contact&#8221;. You will also be relieved to know there are free autoresponder software to download of the internet.There are a lot of various tools to support the internet marketer. You will mostly use them as your online business begins to grow and you require more functionality from your websites or business. Time will not allow me to talk about all of them, however they can easily be found by doing your own web search for the particular internet marketing tool you are needing at that time. Just to name a few that you may require in the future there are:Article Marketing SupportSEO (Search Engine Optimization) ToolsAffiliate Marketing ToolsProduct CreationAfter all is said and done you will use many internet marketing tools to support your online business. I hope that this article has given you a little insight into the basic tools you will require to operate a rewarding, successful, and prosperous, online business. </p>
  135. ]]></content:encoded>
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  137. <slash:comments>0</slash:comments>
  138. </item>
  139. <item>
  140. <title>Arts and Crafts</title>
  141. <link>https://rbzonesln.info/arts-and-crafts</link>
  142. <comments>https://rbzonesln.info/arts-and-crafts#comments</comments>
  143. <pubDate>Sat, 01 Apr 2023 13:27:15 +0000</pubDate>
  144. <dc:creator>admin</dc:creator>
  145. <category><![CDATA[Uncategorized]]></category>
  146. <category><![CDATA[Crafts Hobbies]]></category>
  147.  
  148. <guid isPermaLink="false">http://rbzonesln.info/?p=78</guid>
  149. <description><![CDATA[Kids love arts and crafts and so can parents, with endless hours of fun, concentration and family bonding.There are so many arts and crafts to choose from, there is bound to be something that you can find that will excite all the family, a focus that will bring you all together on a regular basis.One [...]]]></description>
  150. <content:encoded><![CDATA[<p> Kids love arts and crafts and so can parents, with endless hours of fun, concentration and family bonding.There are so many arts and crafts to choose from, there is bound to be something that you can find that will excite all the family, a focus that will bring you all together on a regular basis.One great family arts and crafts project is scrapbooking, as people (even kids) tend to keep ticket stubs, photos and flyers that have happy memories associated with them. You could create one giant family scrapbook, with pages on &#8216;What is my favorite place?&#8217;, &#8216;What is my favorite memory?&#8217; or &#8216;Reasons why I love my pet&#8217;, to name a few.The arts and crafts projects don&#8217;t have to be expensive &#8211; some paper, scissors and glue would be a good start. How about a matchstick craft kit, so you can all contribute to building a masterpiece?The best option would be, to do some research on arts and crafts and find a project that gets the thumbs up from all. Remember that kid&#8217;s votes are worth double the parents&#8217; votes!Choosing the Best Craft Kits for your KidsSo how do you pick out the best craft kits for your kids? Here are some tips you should bear in mind.The first thing you should check is the age guidelines of craft kits. Some kits will have small pieces; need use of tweezers or other sharp objects, which will need adult supervision if your child is young. Your child&#8217;s safety should always be at the forefront of your mind.If the craft kits are associated with a favorite program or television character, then you stand a really high chance that your child will absolutely love the craft kit.Always check what it contained within the craft kits, as if everything is not included, you will run the risk of a very disappointed child. Usually it is something like glue that is not included, so make sure that some appropriate glue on hand for the craft kits in question.Lastly, getting craft kits are a good taster to see if a particular arts and crafts project is enjoyed and appreciated by your children, before wasting money on encouraging a new hobby that is not enjoyed. </p>
  151. ]]></content:encoded>
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  153. <slash:comments>0</slash:comments>
  154. </item>
  155. <item>
  156. <title>Public Property Records for 2011</title>
  157. <link>https://rbzonesln.info/public-property-records-for-2011</link>
  158. <comments>https://rbzonesln.info/public-property-records-for-2011#comments</comments>
  159. <pubDate>Sat, 01 Apr 2023 02:04:15 +0000</pubDate>
  160. <dc:creator>admin</dc:creator>
  161. <category><![CDATA[Uncategorized]]></category>
  162. <category><![CDATA[accounting]]></category>
  163. <category><![CDATA[business]]></category>
  164. <category><![CDATA[companies]]></category>
  165. <category><![CDATA[google]]></category>
  166. <category><![CDATA[near me]]></category>
  167. <category><![CDATA[offices]]></category>
  168. <category><![CDATA[restaurant]]></category>
  169. <category><![CDATA[sale]]></category>
  170. <category><![CDATA[services]]></category>
  171.  
  172. <guid isPermaLink="false">http://rbzonesln.info/?p=75</guid>
  173. <description><![CDATA[Public Property Records basically have got to do with finding details on land property that is public property.When you are looking for detailed public property records, make sure that you use a search database that would be able to give you in-depth information on the particular property that you are researching. When you search for [...]]]></description>
  174. <content:encoded><![CDATA[<p> Public Property Records basically have got to do with finding details on land property that is public property.When you are looking for detailed public property records, make sure that you use a search database that would be able to give you in-depth information on the particular property that you are researching. When you search for the paid records online, you are able to get even the smallest detail about the property. Online public property records could include title deeds and location maps. Most search databases do the work for you, or rather make it easier for you to locate a certain property easily by including the zip codes, counties and even the states and therefore this becomes the very easiest and quickest option.What to Look for:When you are searching for a public property record, the main things that you need to look for are:the property history<br />
  175. the property past sales<br />
  176. the value that it is being sold now<br />
  177. the size of the plot<br />
  178. the details concerning the propertyWhy Use Them?When you are searching for a Public Property Records Search database make sure that you look for one that is well updated and going to provide accurate results. There are various reasons as to why one might opt to get public property records online and some of the reasons are as follows:to know whether there are any liens on the title<br />
  179. to know whether the Seller has given you the correct information about the property<br />
  180. to know who the owner is once you have located the property that best suits your needsOne also needs to check on the records of the previous owner or even the person who is leasing his property to. The recent mortgage also needs to be looked into. Information that is very important is the legality of the property and much more information that makes up the public property records but the ones listed above are the most important and you definitely need to look deep into them before leasing the property itself.Some of the sites that you could potentially find some information on are free (like Google, Yahoo, Bing) but some of them you will have to pay a small fee, especially when you are not residing in that country or state, or rather you live in a different state or country altogether. There are quite a number of sites that would give you specific information and charge a small fee. However, one of the largest sources of free information is of course the Google search engine. This site is vast with information but depending on the degree of your search you may or may need to look at alternative options. </p>
  181. ]]></content:encoded>
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  183. <slash:comments>0</slash:comments>
  184. </item>
  185. <item>
  186. <title>Grab Your Dream UK Home On The Cheap &#8211; Property Auctions</title>
  187. <link>https://rbzonesln.info/grab-your-dream-uk-home-on-the-cheap-property-auctions-2</link>
  188. <comments>https://rbzonesln.info/grab-your-dream-uk-home-on-the-cheap-property-auctions-2#comments</comments>
  189. <pubDate>Tue, 21 Mar 2023 14:58:02 +0000</pubDate>
  190. <dc:creator>admin</dc:creator>
  191. <category><![CDATA[Uncategorized]]></category>
  192. <category><![CDATA[Entertainment]]></category>
  193.  
  194. <guid isPermaLink="false">http://rbzonesln.info/?p=73</guid>
  195. <description><![CDATA[Did you know that every year thousands of UK properties are sold at significantly below market value? The majority of these properties are released through property auctions where regular savings of between 10% to 40% are available to market value. Even so, property auctions continue to be used only by the elite and for the [...]]]></description>
  196. <content:encoded><![CDATA[<p> Did you know that every year thousands of UK properties are sold at significantly below market value?  The majority of these properties are released through property auctions where regular savings of between 10% to 40% are available to market value. Even so, property auctions continue to be used only by the elite and for the astute buyer/investor this generates a fantastic opportunity to secure a dream home/good investment at bargain basement prices.For example, at a recent auction a studio flat was sold in London for a mere £9,000. In another, a 2 bed flat right on the south coast with a market value of upto £100,000 sold for just £14,000 at auction. And those are just a couple of examples of the bargains that people do find at property auctions. However it&#8217;s also important to know the potential issues and problems when dealing with auctions and to understand exactly where the best deals are available. If you&#8217;re interested in getting into the world of property auctions the below tips &#038; tricks of the trade should be very helpful.TYPES OF PROPERTIES FOUND AT AUCTIONSUK Property Auctions                            Home    ContactThe following is a guide to help anyone unlock the value available through UK Property Auctions. Thousands of homes are available at any given time with property auctions, most of which are sold at prices far below market value. However it&#8217;s important to know the potential issues and problems when dealing with auctions and to understand where the biggest bargains are available. Details of thousands of cheap, repossessed &#038; auction properties are also available at Property Auction Bargains.Its perfectly reasonable to expect to pay between 15% to 40% less for a property at auction than you would for the same property through an estate agent. For example, at a recent auction a studio flat was sold in London for a mere £9,000. In another, a 2 bed flat right on the south coast with a market value of upto £100,000 sold for just £14,000 at auction. And those are just a couple of examples of the many bargains that people find at property auctions each and every week.TYPES OF PROPERTIES FOUND AT AUCTIONSRepossessions &#8211; Sadly for the previous owners, repossessions can often be picked up at bargain prices through auctions.Investment properties &#8211; Properties, which are valued due to the return on investment that they provide. Includes everything from individual office/shop investments to blocks of flats.Rundown properties &#8211; Auctions are great places to pickup properties that are unsaleable in their current state. The attraction here is if you can get such a property in a good location at a cheap price it&#8217;s perfectly possible to refurbish and resell on at handsome profits. Indeed there are individuals and organisations that make their living doing this. Unsaleable properties come under the following categories:Derelict or in derelict areas.Subject to severe disrepair.Subject to local authority notices.Subject to closing orders.Offered with ambiguous legal titles.Sold without access.Sold with major fencing, paving, drainage or other similar responsibilities.Sold subject to covenants or restrictions, which prevent normal use.Exceptional properties &#8211; Include ones that have historical meaning and plots which &#8216;get in the way&#8217; of major development projects.TYPES OF AUCTIONLarge composite &#8211; Tend to have over 100 lots. Expect well over 300 people to attend and the venue to be held in a large hotel or conference centre. Large composite auctions are likely to be run by a single auction house. The type of property may be restricted to just one (e.g. vacant possession houses, factories, warehouses etc) or may be a mixture of different types.Medium composite &#8211; Have between 5 to 100 lots and will typically attract between 200 to 500 people, most likely in a hotel or conference centre. It&#8217;s similar to a large composite, only on a smaller scale.Small composite &#8211; Offer between 2 to 5 lots and will attract upto 5 bidders. The likely venue is likely to be somewhere like a pub, restaurant, church or small hotel. Small auctions will generally follow a theme &#8211; for example the properties involved may have been part of a bigger group (such as a portfolio of properties owned by one company) who believe the best returns will be obtained by offering the properties for sale individually.Single lot &#8211; usually for a property that is in great demand.IDENTIFYING AUCTIONSAuctions aren&#8217;t as easy to find as you might expect. Traditionally auctioneers get more than enough interest from in-the-know regulars so they don&#8217;t need to spend much money on costly advertising to the public. Here&#8217;s where the list of auction houses that comes with this guide becomes invaluable. There are details on each auction house including which area the auction house covers. Go through the list and identify ones, which cover the areas you are interested in. Then:Phone the auction house and ask them when their next auction is likely to be held. Ask them to put you on a mailing list, which details forthcoming auctions. Some may charge a small fee for this, others offer the service for free.Prepare a list of questions for each auction house you contact. These should include:Do you have a mailing list?How long do you keep people on your mailing lists and can you let me know if I am about to be removed?What type of properties do you auction?It may also be worth subscribing to certain pedigree property magazines. These include Property Auction News, Under The Hammer and Property Week. Local newsagents usually carry these.THE INFORMATION AN AUCTIONEER WILL PROVIDEObviously they will provide the details of the properties going under the hammer at their auctions. These tend to be more detailed than the snippets given by estate agents (there are laws such as the Property Misdescriptions Act 1991 which make it illegal for auctioneers to give false information about a property). On the whole, for any given lot they will provide:LocationConstruction detailsTenure (e.g. freehold)Accommodation details (e.g. 3 bedrooms etc)Notes (e.g. refurbishment required)Viewing detailsSolicitor detailsAuctioneers usually publish a catalogue with the lot details &#8211; this is a book detailing the various properties available at auction. These will usually be available a month or less prior to the auction date.IDENTIFYING REPOSSESSIONSSome banks/building societies can be sheepish about revealing that they are selling repossessed properties so you need to be alert in the auction for clues. Auction adverts may reveal that a bank may be the seller of a number of properties, or the auction catalogue may state a phrase such as &#8216;on instruction of a liquidator&#8217; or something similar &#8211; this should tell you that the property being sold is a repossession. If you are unsure, ask the auctioneer directly if the lot being offered is a repossession.FINDING PROPERTY AUCTIONS NEAR YOUThere are several thousands of properties available for auction at any given time all over the UK. It&#8217;s important to understand how auctions work before purchasing a property from one. To find out where you can get hold of a list of UK property auction venues and websites of auction properties for sale take a look at my resource box below. I wish you every success in finding your dream bargain home at auction </p>
  197. ]]></content:encoded>
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  199. <slash:comments>0</slash:comments>
  200. </item>
  201. <item>
  202. <title>Grab Your Dream UK Home On The Cheap &#8211; Property Auctions</title>
  203. <link>https://rbzonesln.info/grab-your-dream-uk-home-on-the-cheap-property-auctions</link>
  204. <comments>https://rbzonesln.info/grab-your-dream-uk-home-on-the-cheap-property-auctions#comments</comments>
  205. <pubDate>Tue, 21 Mar 2023 14:49:28 +0000</pubDate>
  206. <dc:creator>admin</dc:creator>
  207. <category><![CDATA[Uncategorized]]></category>
  208. <category><![CDATA[Entertainment]]></category>
  209.  
  210. <guid isPermaLink="false">http://rbzonesln.info/?p=71</guid>
  211. <description><![CDATA[Did you know that every year thousands of UK properties are sold at significantly below market value? The majority of these properties are released through property auctions where regular savings of between 10% to 40% are available to market value. Even so, property auctions continue to be used only by the elite and for the [...]]]></description>
  212. <content:encoded><![CDATA[<p> Did you know that every year thousands of UK properties are sold at significantly below market value?  The majority of these properties are released through property auctions where regular savings of between 10% to 40% are available to market value. Even so, property auctions continue to be used only by the elite and for the astute buyer/investor this generates a fantastic opportunity to secure a dream home/good investment at bargain basement prices.For example, at a recent auction a studio flat was sold in London for a mere £9,000. In another, a 2 bed flat right on the south coast with a market value of upto £100,000 sold for just £14,000 at auction. And those are just a couple of examples of the bargains that people do find at property auctions. However it&#8217;s also important to know the potential issues and problems when dealing with auctions and to understand exactly where the best deals are available. If you&#8217;re interested in getting into the world of property auctions the below tips &#038; tricks of the trade should be very helpful.TYPES OF PROPERTIES FOUND AT AUCTIONSUK Property Auctions                            Home    ContactThe following is a guide to help anyone unlock the value available through UK Property Auctions. Thousands of homes are available at any given time with property auctions, most of which are sold at prices far below market value. However it&#8217;s important to know the potential issues and problems when dealing with auctions and to understand where the biggest bargains are available. Details of thousands of cheap, repossessed &#038; auction properties are also available at Property Auction Bargains.Its perfectly reasonable to expect to pay between 15% to 40% less for a property at auction than you would for the same property through an estate agent. For example, at a recent auction a studio flat was sold in London for a mere £9,000. In another, a 2 bed flat right on the south coast with a market value of upto £100,000 sold for just £14,000 at auction. And those are just a couple of examples of the many bargains that people find at property auctions each and every week.TYPES OF PROPERTIES FOUND AT AUCTIONSRepossessions &#8211; Sadly for the previous owners, repossessions can often be picked up at bargain prices through auctions.Investment properties &#8211; Properties, which are valued due to the return on investment that they provide. Includes everything from individual office/shop investments to blocks of flats.Rundown properties &#8211; Auctions are great places to pickup properties that are unsaleable in their current state. The attraction here is if you can get such a property in a good location at a cheap price it&#8217;s perfectly possible to refurbish and resell on at handsome profits. Indeed there are individuals and organisations that make their living doing this. Unsaleable properties come under the following categories:Derelict or in derelict areas.Subject to severe disrepair.Subject to local authority notices.Subject to closing orders.Offered with ambiguous legal titles.Sold without access.Sold with major fencing, paving, drainage or other similar responsibilities.Sold subject to covenants or restrictions, which prevent normal use.Exceptional properties &#8211; Include ones that have historical meaning and plots which &#8216;get in the way&#8217; of major development projects.TYPES OF AUCTIONLarge composite &#8211; Tend to have over 100 lots. Expect well over 300 people to attend and the venue to be held in a large hotel or conference centre. Large composite auctions are likely to be run by a single auction house. The type of property may be restricted to just one (e.g. vacant possession houses, factories, warehouses etc) or may be a mixture of different types.Medium composite &#8211; Have between 5 to 100 lots and will typically attract between 200 to 500 people, most likely in a hotel or conference centre. It&#8217;s similar to a large composite, only on a smaller scale.Small composite &#8211; Offer between 2 to 5 lots and will attract upto 5 bidders. The likely venue is likely to be somewhere like a pub, restaurant, church or small hotel. Small auctions will generally follow a theme &#8211; for example the properties involved may have been part of a bigger group (such as a portfolio of properties owned by one company) who believe the best returns will be obtained by offering the properties for sale individually.Single lot &#8211; usually for a property that is in great demand.IDENTIFYING AUCTIONSAuctions aren&#8217;t as easy to find as you might expect. Traditionally auctioneers get more than enough interest from in-the-know regulars so they don&#8217;t need to spend much money on costly advertising to the public. Here&#8217;s where the list of auction houses that comes with this guide becomes invaluable. There are details on each auction house including which area the auction house covers. Go through the list and identify ones, which cover the areas you are interested in. Then:Phone the auction house and ask them when their next auction is likely to be held. Ask them to put you on a mailing list, which details forthcoming auctions. Some may charge a small fee for this, others offer the service for free.Prepare a list of questions for each auction house you contact. These should include:Do you have a mailing list?How long do you keep people on your mailing lists and can you let me know if I am about to be removed?What type of properties do you auction?It may also be worth subscribing to certain pedigree property magazines. These include Property Auction News, Under The Hammer and Property Week. Local newsagents usually carry these.THE INFORMATION AN AUCTIONEER WILL PROVIDEObviously they will provide the details of the properties going under the hammer at their auctions. These tend to be more detailed than the snippets given by estate agents (there are laws such as the Property Misdescriptions Act 1991 which make it illegal for auctioneers to give false information about a property). On the whole, for any given lot they will provide:LocationConstruction detailsTenure (e.g. freehold)Accommodation details (e.g. 3 bedrooms etc)Notes (e.g. refurbishment required)Viewing detailsSolicitor detailsAuctioneers usually publish a catalogue with the lot details &#8211; this is a book detailing the various properties available at auction. These will usually be available a month or less prior to the auction date.IDENTIFYING REPOSSESSIONSSome banks/building societies can be sheepish about revealing that they are selling repossessed properties so you need to be alert in the auction for clues. Auction adverts may reveal that a bank may be the seller of a number of properties, or the auction catalogue may state a phrase such as &#8216;on instruction of a liquidator&#8217; or something similar &#8211; this should tell you that the property being sold is a repossession. If you are unsure, ask the auctioneer directly if the lot being offered is a repossession.FINDING PROPERTY AUCTIONS NEAR YOUThere are several thousands of properties available for auction at any given time all over the UK. It&#8217;s important to understand how auctions work before purchasing a property from one. To find out where you can get hold of a list of UK property auction venues and websites of auction properties for sale take a look at my resource box below. I wish you every success in finding your dream bargain home at auction </p>
  213. ]]></content:encoded>
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  215. <slash:comments>0</slash:comments>
  216. </item>
  217. <item>
  218. <title>Property Investment</title>
  219. <link>https://rbzonesln.info/property-investment</link>
  220. <comments>https://rbzonesln.info/property-investment#comments</comments>
  221. <pubDate>Tue, 21 Mar 2023 14:00:57 +0000</pubDate>
  222. <dc:creator>admin</dc:creator>
  223. <category><![CDATA[Uncategorized]]></category>
  224. <category><![CDATA[Entertainment]]></category>
  225.  
  226. <guid isPermaLink="false">http://rbzonesln.info/?p=69</guid>
  227. <description><![CDATA[Property investment is an ideal option if a person wants to expand his/her financial assets. The owner has the prerogative of updating the property as per his own wishes whilst having the exclusive right to use it whenever he wants for his own benefit.Properties are of various types like personal property, real property and intellectual [...]]]></description>
  228. <content:encoded><![CDATA[<p> Property investment is an ideal option if a person wants to expand his/her financial assets. The owner has the prerogative of updating the property as per his own wishes whilst having the exclusive right to use it whenever he wants for his own benefit.Properties are of various types like personal property, real property and intellectual property. All movable properties are classified as personal properties whereas all immovable properties are termed as real property or real estate. The unique difference between the two types is that movable properties can depreciate with time whereas immovable properties do not. Stocks, bonds and other financial products fall under the category of abstract property which also comes under personal property.Trademarks, copyrights and patents come under intellectual property rights. Any new invention or discovery, new mathematical or scientific theories, personal articles, poems and similar literary works, new artistic creation, or any new concepts or ideas used for developing a product by any company and many other things which have been created by an individual or a group of people or an organization become the intellectual property of the owner, and the owner has an exclusive right on it.Property owners are provided legal rights to deal with their property as per their own liking. The owner is provided the liberty to sell, transfer or extract profit from their property, for example.There are various provisions laid down by the law as to who should own a property. A mentally incapable person or a minor is generally not the owner. The provisions might be different in different countries but none are allowed to use the property to harm others.Properties can be public or they can be private. Public property is owned by the state or by any community whereas private properties are owned by an individual or a group of persons or by a company. As per law, a company is an entity that has the right to own a property. Property can also be given on lease in case of real or personal property. When given on lease the lessee can use the property but cannot sell it and also the owners also generally do not have the right to compel you to leave the property before the lease expires. In case of intellectual property, the owner can grant licenses to others.There are certain properties which do not have any owner but still they are protected by law. For instance the seawater and seafloor is not generally owned by anyone. Atmosphere of the earth, the outer space, the celestial bodies, other planets or galaxies and even the land in Antarctica is not owned by anybody. Though they do not have any owners, there are international laws and no one is allowed to harm these properties. As well, wild animals are state properties and are protected by the state. </p>
  229. ]]></content:encoded>
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  231. <slash:comments>0</slash:comments>
  232. </item>
  233. <item>
  234. <title>How to Analyse Financial Performance in Investment Property</title>
  235. <link>https://rbzonesln.info/how-to-analyse-financial-performance-in-investment-property</link>
  236. <comments>https://rbzonesln.info/how-to-analyse-financial-performance-in-investment-property#comments</comments>
  237. <pubDate>Tue, 21 Mar 2023 12:45:07 +0000</pubDate>
  238. <dc:creator>admin</dc:creator>
  239. <category><![CDATA[Uncategorized]]></category>
  240. <category><![CDATA[Entertainment]]></category>
  241.  
  242. <guid isPermaLink="false">http://rbzonesln.info/?p=66</guid>
  243. <description><![CDATA[When looking at a commercial property of any type you need to spend time on the financial aspects of the property before you form an opinion about the price that you think that you can achieve. The financial aspects of the property can have a major impact on the price and or the interest of [...]]]></description>
  244. <content:encoded><![CDATA[<p> When looking at a commercial property of any type you need to spend time on the financial aspects of the property before you form an opinion about the price that you think that you can achieve. The financial aspects of the property can have a major impact on the price and or the interest of purchasers. The financial aspects of a building or a property can impact the asset for many years and for this reason must be analysed and identified.We have detailed some of the major aspects of financial concern in a property purchase or sale scenario. Whilst these are not the only categories of activity and concern, they are the major ones in most circumstances.We recommend that you create a checklist from these items so that your property review and inspection process is suitably enhanced and professional.The Asset Schedules: The property will contain many fixed and moveable assets. These will normally be detailed on the asset register. A well maintained commercial property will have an up to date asset register for your review. Obtaining the asset register at the early stage of sale consideration is productive as it will tell you in detail what you are selling and later become part of the due diligence process.</p>
  245. <p>Bank and Personal Guarantees: An investment property comprises leases and other documents which support tenant occupancy. A normal leasing process would involve and create some form of guarantee to be provided by the tenant to the landlord for the duration of the lease. It is important that this guarantee has both strength and substance to reimburse the landlord in situations where the tenant defaults under the terms of the lease. At the time of property sale, these guarantee documents should have some form of ability to be transferred or re-issued to the incoming purchaser. This process is called an assignment of the guarantees. You should consult with the landlord&#8217;s solicitor to identify the types of guarantees involved and the ease in which this can be achieved at time of sale.</p>
  246. <p>Capital Expenditure: Major items of plant and equipment which are replaced in a commercial property are usually regarded as capital expenditure and are separately itemised for the purposes of taxation and depreciation over a period of time. Taxation laws in your location will stipulate the depreciation terms as they apply to different types of capital expenditure. For example, a computer that is purchased for the building control system will depreciate far quicker than the air handling unit which was purchased for the air conditioning plant. Well maintained property records will include a detailed capital expenditure register and the date at which the capital item was purchased. Purchasers to the property will be interested in the depreciation that this register provides against the cash flow in coming years.</p>
  247. <p>Taxation and GST: Every country and property location has its own unique taxation laws and requirements relating to property and particularly investment property. In the sale process, it is important to understand that these matters have been correctly handled and are up to date. It is sometimes necessary to view the net returns for the property for the last few years that were applied to the taxation statements and lodgement process. You can also seek written confirmation from the owner of the property that all taxation matters are up to date.</p>
  248. <p>Income and Rent Analysis: The income for the property is a reflection of the leases and occupancy licences therein. It is essential to understand that the rent has been collected in accordance with the leases or licences and that all rental matters are up to date. Part of this process will also involve the checking of the rent review profile and the expiry profile of all leases. A property with a volatile leases or leases that are soon to expire is likely to impact the price or the buyer interest. When reviewing tenant occupancy against leases, you should review the original documents and cross reference this to the tenancy schedule and any discussions or information provided by the landlord.</p>
  249. <p>Independent Valuation: Many property owners will obtain a valuation regularly in support of their property financing package. It is not unusual for such valuations to occur annually. Importantly they are done by a qualified and registered valuer. If you view this documentation and take it into account in the pricing process for the property, it is wise to consider the true independence of the valuation when it was done and its relevance to the current market. Some valuations for financing purposes may not be in parity with the existing market conditions. It pays to sometimes seek a true independent valuation at the time of sale or in preparation for sale.</p>
  250. <p>Land tax issues: Property land tax has a direct impact on the investment aspects of commercial real estate. In different locations, the recovery and payment of land tax is impacted uniquely by local legislation. In some circumstances the land tax can or cannot be recovered from the tenants within the property. This will have immediate impact on the bottom line and net return from the property; this then impacts the price. Consulting with the financial adviser for the owner of the property, or the taxation office, will achieve clarity in this taxation impact. Given that most agents and brokers are not taxation experts, you should involve other professional taxation people as appropriate.</p>
  251. <p>Lease disputes: Rarely is there a property that does not have an existing lease dispute or has been impacted by a previous lease dispute. For this reason it pays to question the matters of lease dispute and resolution. If in doubt, seek a copy of correspondence and any subsequent agreement between the appropriate parties. Unresolved lease disputes can jeopardise or slow the process of property sale.</p>
  252. <p>Mortgaged interests: Most commercial real estate properties will have a mortgage of some type to a financier. When a mortgage exists, it is necessary to understand how it will be handled or discharged in the process of sale. The client should consult with the mortgagee to clarify these matters for you. In a situation of distressed properties, the sale of the property may need to realise a particular price before clear title can be achieved.</p>
  253. <p>Operational expenditure: The running of a commercial property will involve the operational expenditure attributed to running costs. Most of properties of particular types in the same location will have similar operational expenditure. If however a property has excessive operational expenditure which is above the averages in the area, then the property is likely to be difficult to sell. Most purchasers of properties understand the averages of property expenditure deemed to be realistic for each property. This also says that real estate agents and brokers should be well aware of the expenditure averages and analysis process that should apply in this situation. Operational expenditure is analysed on the basis of $&#8217;s per m2 or $&#8217;s per ft2 (depending on your location, monetary base, and country)</p>
  254. <p>Statutory charges: These are commonly referred to as rates and taxes. These will involve matters such as water rates, land tax, council rates, and any other form of charge which is raised by the statutory bodies. Importantly the charges so raised must be analysed for parity to similar properties in the same region. Part of the rating process involves a statutory valuation of the land on which the building and property is located. Whilst some property owners like to think that their valuation is high and justifiable (and therefore gives substance to the sale price of the property), it is this valuation that is the foundation for the charging and payment of statutory charges. The astute property investor will always question this statutory valuation undertaken by rating bodies in an endeavour to restrict or lessen the amount of statutory rates and charges paid each year.</p>
  255. <p>Rent reviews: A significant concern in the sale of a property is the size and stability of future rent reviews. It is the rent reviews which will underpin the cash flow and hence the attractiveness of the property to purchasers. It is essential that the real estate broker or agent read all of the leases, before any assessment of price or method of sale is given. It is quite possible that the rent reviews projected and detailed in the leases can either hinder or attract purchasers to the property.</p>
  256. <p>Rent arrears: Existing rent arrears should be identified with the owner of a property. Any matters of associated legal pursuit should also be identified. It is possible that the property has had a history of rent arrears and instability. Look for these matters and question the cash flow stability. A history of financial performance from the property over the last few years is the best way to achieve this.</p>
  257. <p>Current building budget: This will involve a budget of income and expenditure as it applies to the building currently in the existing financial year. A good building budget will be written and supported by sound property strategy, projections, and controls. At the time of any potential property sale, it is important to understand that the current financial performance is in line with the expected building budget. If there are any shortcomings or overflows, it is necessary to clarify the reasons for such. If you do not do this, the purchaser of the property will.</p>
  258. <p>The side agreements or deeds: Property occupancy and usage can involve supplementary side agreements and deeds. This can be with tenants or neighbouring properties. Documents of this nature will have impact in the sale even though they may not be registered on the title of the property that you are to sell. Documents of this nature will usually be supported by aspects of common law. If in any such arrangements exist, you must seek further detail and clarity as to how they will be handled at the time of sale. One of the common events here is the existence of rental incentives provided to tenants at the commencement of the lease. When these situations exist, the most common method of resolve is the discharging of the arrangement by the landlord prior to settlement. This can become a term of the contract.</p>
  259. <p>Sinking funds: It is not uncommon for sinking funds to exist on larger properties. The fund is essentially established to set aside money to cover the cost of major items of repairs and maintenance. This would not normally include items of a capital nature. As an example, sinking funds may be used to cover the cost of painting the exterior of a large building such as a shopping centre every five years. If a sinking fund exists, it is important to understand how it will be handled at the time of sale. Consultation with the client&#8217;s solicitor and accountant is essential to the process.</p>
  260. <p>Taxation depreciation schedules: The property will have a taxation depreciation schedule. When correctly maintained, these schedules have the ability to lessen the net property income in forthcoming years. This is an immediate taxation benefit to the purchaser of the property who will assume the depreciation schedule as part of the sale and settlement. As the broker or agent in the sale you should check the existence of such documentation and identify what benefits it brings to the sale process. A well constructed and detailed depreciation schedule will make the property sale more attractive.</p>
  261. <p>Short term leases: Many properties have short term leases or casual occupancy active at any point in time. It is vital to know the mechanism under which this occupancy occurs and how it will be terminated. You do not want a short-term occupancy to jeopardise the stability and processes of the sale.</p>
  262. <p>Un-documented lease occupancy: Some may call this a casual lease; however a casual lease can create concern and uncertainty in the process of sale. Some tenants may claim a long-term occupancy from the existence of a previous casual lease arrangement with the landlord. Claims of this type must naturally satisfy the requirements of law to be sustained or upheld by the courts; however you should be cautious in such circumstances given that it can slow down or even jeopardise the sale process.</p>
  263. <p>Warranties and guarantees: When properties are constructed, the normal process of warranties and performance guarantees apply from the construction process. At the time of sale, you need to know if any such matters apply or exist. Copy of the documentation is essential. Further to this, in an existing building where recent fit out activity has created newly constructed premises, it is likely that warranties and guarantees exist for the tenancy construction. These will transfer to the new owner of the property in most circumstances however the documentation to allow this to occur must be suitably constructed. This is a matter for the solicitor acting for the client.</p>
  264. <p>Utilities costs and supply: Every commercial property will be supported by the supply of water, gas, electricity, and communication systems. The process of supply needs to be understood together with the cost of the process. Obtaining copies of recent accounts for those services will help you here. It is possible that some utilities will be supplied direct to the tenants and some others will be supplied direct to the building owner. Any differences in supply should be identified and documented. The costs of supply should be compared to the averages of other properties in the area.This brings to an end the matters relating to financial due diligence. These are the major issues that apply in the sale of commercial real estate; however you should look for any other items given that each property is unique in its performance and financial structure.Your review of these items should include the gathering of all original documentation as part of the checking process. Your notes taken of any comments and findings should be well maintained to protect you in the event of any disagreement or dispute. Given that commercial real estate involves large cash flows and extensive legal documentation, the frequency of disputes is reasonably high. The only way to protect you here is in your quality notes, a questioning mind, and good documentation. </p>
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