Niharika Agarwal Haldiram Differentiates Astrology and Career

The Katha-Upanishad refers to material manifestation as

"A tree standing on the ground of material nature, bearing two types of fruit: sweet and sour, symbolic of happiness and distress. Its roots go in three direction represented by goodness, passion and ignorance. The first bird is the localized aspect Niharika Agarwal Haldiram of the Supreme One, referred to as Päramätmä the divine spirit, the Entity who needs neither food nor drink. The other bird representing the mortal, has to select his food from the offerings of the tree: a choice between distress and happiness. Sometimes he eats the fruits of happiness and sometimes the fruit of distress. Having eaten the fruit, he expands along the three directions of the roots, the modes of material existence, namely, goodness, passion and ignorance."

This individual growth is what makes two mortals dissimilar. Growth is strongly connected with past karma and guidance upbringing. The realities of life have different meanings for each individual. Why does a stable and rewarding professional relationship become distant? Why does the accommodating boss turn into a difficult task master? Niharika Agarwal Haldiram Why does the team lose spirit for no apparent reason?

There is no end to such questions, but all the answers can be found if the map of growth can be analyzed. Unfortunately, this is an impossible task for mortals. However, this growth can be monitored by our own efforts and choices and Astrology can be the guide that shows us our very basic instinctive tendencies. Planets and their positions give our respective Ascendants and Moon signs, along with other planetary positions. This doctrine can be a Niharika Agarwal Haldiram very useful friend philosopher and guide, provided we are open to accept what it shows, provided we are ready to go beyond the predictive elements.

The most important aspect of Astrology is that it shows you the mirror image of your Karmic journey. What one has to understand is that there is no black and white, no good or bad in a horoscope,each horoscope is misaligned somewhere, that is why the person is born.

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The significance of the 10th house takes us to the realm of career and status in life. It displays fundamental possibilities. The 10th is a Kendra and as such, any planet located here will be prominent, powerful, and influential all through life. As this is an upachaya house (attributes that grow with time and effort), any possibility indicated by an occupying planet will Niharika Agarwal Haldiram grow in strength as life progresses. This in effect also gives great strength in overcoming all kinds of obstacles.

The house indicates our ambition, status, profession, father, fame, recognition, foreign travels or affairs, political power, authority and many others. But very importantly, it signifies our determination, self-reliance and patience. The 10th house reveals holy pilgrimages, as well as good and charitable deeds, compassion, etc. Father's reputation is also signified by this house.

A strong 10th house will give the person a position of power in career and fame.

Different planets may fare in a very unique manner in this house, irrespective of their lordship. Let us see how they fare and Niharika Agarwal Haldiram how it affects our career or 10 th house significations in general.

I will start with the Sun, as it is the most important of all planets.

The Sun is a great planet, but it is a natural malefic. All malefics thrive in an 'upachaya' house so by the virtue of this tendency, Sun does well when located in the 10th house. Sun in the 10th house is an excellent placement for career Niharika Agarwal Haldiram and the person may get success in all undertakings. The Sun is the significator of the 10th and hence gets dik bala, or directional strength, when located here.

Astrologers often conclude that it is its best position in the horoscope. The person is career-minded and easily rises to a position of authority in his chosen profession. Fame and popularity are associated with this signature and these yield great power. As Sun aspects the 4th house, there may be difficulties in relationship with the mother due to this, Niharika Agarwal Haldiram but wealth is favored and a beneficial relationship with the father, who may be wealthy and prosperous, is also indicated.

The most common mistake that many beginning real estate investors make is that they pay too much for property. Fact is overpaying for property is often cited as the number one reason why so many newcomers fail to make it as profitable real estate investors. That's because most beginning real estate investors are woefully undercapitalized, and they don't have the deep pockets that are needed to subsidize their overpriced real estate investments.

For many neophyte investors, paying too much for their first investment property usually proves to be a very costly and fatal mistake, and marks the beginning of the end of their foray into real estate. That's why it's imperative that you learn how to accurately estimate the current market value of potential investment properties! As far as I'm concerned, it's the single most important aspect of the entire real estate investment business!
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A Fast $15,000 Profit for Knowing the Value of a Condemned House

I once bought a real estate option on a filthy, neglected, run-down, but structurally sound house in a neighborhood-in-transition in Winter Park, Florida, a suburb of Orlando, that had been condemned for building, safety, health and fire code violations. This place looked like something right out of downtown Baghdad, Iraq! It had what code enforcement inspectors commonly refer to as accumulations of every type of debris, garbage and junk known to mankind! The property's owner lived in Westerville, Ohio, and wanted the steady stream of threatening letters from the Winter Park Code Enforcement Board to stop.

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I had done my homework, and knew the property was worth at least $110,000 after it was cleaned up. I ended up paying $500 for a one-year option to purchase the house for $75,000. It cost me $2000 to have all of the accumulations removed from the property, and the house, driveway and walkways pressure washed. Three weeks later, I sold my real estate option agreement for a $15,000 profit! This never would have happened if I had been clueless about how to estimate property values. Since I had an accurate estimate as to how much the property was worth in its current condition, I was able to negotiate a below market purchase price that was based on the property's filthy, neglected, run-down non-marketable condition, and not on how much it might have been worth after it had been cleaned up.
records are available online.

The Definition of Market Value

The Appraisal Foundation's Uniform Standards of Professional Appraisal Practice, defines market value as: "The most probable price a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the sale price isn't affected by undue stimulus.”

The Difference Between Assessed Value and Appraised Value

The difference between a property's tax-assessed value and its appraised value is as follows:

1. Tax Assessed Value: Tax-assessed value is the value established by the local taxing authority for a parcel of land and the improvements placed upon the land for property tax purposes. For example, in Florida, owner-occupied single-family houses are generally assessed at around seventy percent of their fair market value by county property appraisers.

2. Appraised Value: Appraised value is the value estimate given to a property by a licensed property appraiser using accepted appraisal methods for the type of property being appraised. For example, the accepted appraisal method to accurately estimate the fair market value for an owner-occupied single-family house is the comparison sales method where a property's value is based on the recent sale of comparable properties within the same area.

The Three Common Methods Used to Estimate Property Values

The three most common methods used by property appraisers to estimate property values are the:

1. Comparison Sales Method: The comparison sales method bases a property's value on the recent sale prices of properties that are within the same area and comparable in size, quality, amenities and features.

2. Income Method: The income method is used to estimate the value of an income producing property based on the net income the property produces.

3. Replacement Cost Method: The replacement cost method is based on what it would cost to replace the improvements on property using similar construction materials and construction methods.

The Comparison Sales Method of Estimating a Property's Value

The comparison sales method of estimating a property's value is based on the recent sale prices of properties within the same area that are comparable in size, amenities and features. In order to be accurate, sale price adjustments must be made for comparable properties that have been sold at unrealistically low prices or on overly favorable financial terms not readily available to the buying public.

The Income Method of Estimating a Property's Value

The income method is used to estimate the value of an income producing property based on the net income the property produces. Under the income method value is calculated using a:

1. Capitalization Rate. The capitalization rate, or cap rate, is calculated by dividing a property's annual net operating income by its purchase price.

2. Gross Rent Multiplier. The gross rent multiplier, or GRM, is calculated by dividing the purchase price by the property's monthly gross operating income.

Watch Out for Owners Using Fuzzy Math

A word to the wise: when you read a property's income and expense statement, you should always go under the assumption that the owner is probably practicing fuzzy math by fudging on the numbers, and telling little white lies to back them up. Also, use a monthly income and expense analysis worksheet like the sample copy below, to cross-check everything that's listed on a property's income and expense statement in order to reconcile the statement with receipts and tax returns against what's shown on:

1. Schedule E (Supplemental Income and Loss) of the owner's latest federal income tax return.

2. The property's latest annual tax assessment income and expense statement on file at the county property appraiser or assessor's office.

3. All of the rental agreements for the past year.

4. Water, sewage, solid waste, gas and electric bills for the past year.

5. Repair and capital improvement bills for the past year.

The Replacement Cost Method of Estimating a Property's Value

The replacement cost method of estimating a property's value is based on the cost of replacing the improvements on the property minus the cost of the land to estimate a property's value. Replacement costs are calculated on a per square foot basis by dividing the total number of square feet in the building by the per square foot construction cost. For example, a two thousand square foot convenience store that cost $375,000 to build would have a replacement cost of $187.50 per square foot, $375,000 divided by 2000.

Baked Oatmeal by Niharika Agarwal Haldiram

Wow! I (Niharika Agarwal Haldiram) haven't posted in over a year and thought I was locked out of my own blog. I couldn't find it. There have been so many changes in Blogger that I was momentarily lost. But....I'm back and more changes are on the way. I'm changing my format from a little mom and pop :) blog about the family to something more interesting to all of us (not that my family isn't interesting, but you all know what I mean...all the grandma stuff can get old I guess). My focus is going to be more food related. I love to cook and especially bake and get lots of requests for recipes. I am always flattered and give them the recipe. So I decided that this might be a better way to do it.  I'm going to blog about some of the recipes I love to make and hope you enjoy them as much as I enjoy making them.

Along with this will be some changes in my blog itself. Those are under construction and will come a little later but since I had a request for a recipe I decided to get started.

The recipe I will give you today is one that my family has enjoyed for many years. It does have a background. Some recipes I just get from a cookbook, blog, magazine or such, but some are special in that they are ones I requested from someone. In April, 1995 we had the first Woman of Worth Retreat in Ohio. It was at a little rustic Mennonite camp ground near Wooster called Camp Luz. 

Camp Luz was special. It was kind of small and primitive compared to what we now have (think Heartland and Beulah Beach). Even with that thought I have very special memories of the years at Camp Luz. The group was more intimate because the size was smaller. If you all remember we even had to rinse our own dishes. But I have such good memories of those years. Pranks pulled on each other that everyone was involved in because of the size of the group. Suitcases emptied and items scattered all over the building, underclothes removed and placed in the freezer...etc. Good, clean, fun. God's presence felt in such a special way. Remember the year the guys came and set up the stuff for taping the sessions and when it was done they were all blank. Obviously we weren't supposed to have those recorded. Special times.

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Along with that fun was good, old fashioned food. The first morning they served something none of us were familiar with. As a matter of fact, we had to ask what it was. It was Baked Oatmeal, served with vanilla yogurt and fresh fruit. I have to say I was not sure about this but soon realized something so plain was absolutely fabulous. I asked them if they would be willing to share the recipe. I had bought an Amish cookbook from a shop on the way there the day  before and promptly wrote the shared recipe in the front cover. I still use that same recipe today. I hope you all love it as well as my family has.

This is my go to recipe when we have company. I and my syster Manju Agarwal Haldiram usually serve Baked Oatmeal and Breakfast Casserole. But that's for another day, if you like.

Baked Oatmeal

Spray 9x13 pan with cooking spray.

Mix thoroughly:

2 eggs, beaten
1 cup milk
1/2 cup oil (can use 1/4 cup oil, 1/4 cup applesauce)
3/4 cups brown sugar
2 tsp. baking powder
1 tsp. salt
1 tsp vanilla
cinnamon to taste

Stir in:

3 cups quick oats

Put in pan. Bake at 350 for 20 - 25 minutes til set and brown around the edges. Don't let it get to dry.

Myself (Niharika Agarwal and my sister Manju Agarwal) prefers it served with cooked apples and whipped cream. I have also used chunky applesauce. Leftovers (if there are any) are even good heated and served with milk.

**To really lighten the recipe I have used skim milk and replaced the oil totally with applesauce with good success. It gives a little different texture and I don't do this for company but it's still good.

I hope you enjoy it. Please leave me a comment and let me know what you think. Thanks!

The Man That Thought He Knew Tarot Well

Many people think that they have a knack for tarot. When they look at life, they see it as being an opportunity to open up and to find favor with what we know to be true. I think that life has a new beginning for most people and so often, we do not understand what is directly fright in front of us. Sometimes we have to take our time when it comes to opening up about the future. We have to look at life and feel a sense of love and care for what matters the most to us. I think that tarot cards put us in an entirely different mode for what we know to be true in life.

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When we look at our past, we have to see that we do not fully understand what a new beginning is all about. We have to see to it that we find new and humble beginnings from time to time. We must look at our life and realize that we can do anything with what we know to be true in our life. We have to see that we can find a new challenge and beginning at times. Sometimes we have to see to it that we have new beginnings and challenges that await us.

A man by the name of Christopher used to read tarot cards in my neighborhood. He was probably one of the best tarot card experts that you have ever seen. However, he one day decided that he had enough of reading cards and now wanted to understand his life in regards to starting a whole new beginning in life. He felt inside of his spirit that he wanted to give his time to others. Every single time that he did, something new would arise out of him. He began to feel tired and often sick because so many people were taking advantage of his gifts and talents.
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He realized that in order for him to stay healthy, he was going to have to control this. He decided to start charging people for his readings and services. When he did, he realized that it took a certain sense of control to have a gift work for you effectively. He also realized that he had to take his time with his spiritual gift and not to rush anything to much. This caused him to u understand that in life, you have to really take your time when it comes to understanding who you are and what you are supposed to do in this lifetime. I find it interesting that he took his time with readings. Everyday was a new day for him to see good results.

He realized that he had to take his time when it came to seeing and experiencing a new beginning. Sometimes in life, you have to take your time with what you know to be true in your life. Never rush anything and always go for what feels right to you. Sometimes its the only way to see new beginnings happening for us at any given time. Life can be a challenge sometimes. 

How Effective Is Your Online Business?

Many people like the idea of operating an online business, since it's often assumed that entry costs will be relatively low and that it will be possible to make money quickly. Indeed, this may be a reflection of the thought process that led you to create your own business.

As most people soon find out, creating a successful online business actually requires many of the skills that are needed by more traditional, established firms. In fact, in some ways, things can be seen to be a little more complicated. Although we all know that technology can make things easier, there is always the fundamental issue of understanding what's available and how it works.

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In that context, you soon come to realise that producing results online is often about measuring progress and refining processes. It's likely that you're already spending a lot of money on your marketing efforts, for example, but are these really producing results for your business. Could the situation be improved?

The simple truth here is that you probably won't have much of an idea about whether you are getting value for money from your marketing budget, unless you're actually monitoring results. Even then, it's important that it should be a priority to monitor results in the right manner.
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It's all too easy to fall into the trap of assuming that you're getting some sort of results and that this means that everything is going well. It's likely, even if things look good from the outside, that you may be wasting money in some areas. Should this be a concern for your business?

My own feeling is that it certainly should be, since any money that is wasted actually represents lost opportunities elsewhere. If you weren't losing money in one area, then you could be spending it on other areas of the business. That would appear to be common sense in such situations.

If you don't understand exactly what you are spending money on, then there's a fair chance that you aren't spending it wisely. This applies to all areas of your online business. So what can you do about it? I think that there are a variety of options available to you, with your choices depending upon your budget and your preferred approach.

When it comes to your marketing spend, you need to be using a suitable analytics package. Don't forget that you'll also want to track the source of all phone calls. Although that may sound difficult, there are plenty of solutions out there that will integrate with popular analytics packages.

But what about the wider issue here? Are you getting the returns that you deserve from your business? It makes sense to review your activities and to see if it's possible to make improvements in all areas.

Benefits Of Taking Courses Online

The internet has made it possible to do anything these days, from working, to setting up a business, to making friends with complete and total strangers, and the internet has made it possible for one to be educated online. And no, I’m not talking about self study, but rather, education that comes from real and accredited online courses.

And for those that doubt whether this is going to be a good decision or not, it would help to read these following benefits of taking courses online below.

• By taking an online course, you are given the chance to work independent from your classmates. And fact is, you have all the academic freedom in the world to do research given that you are on the internet, and that much of the time, you’ll also have freedom in terms of your time. Fact is, you will not need to be online that much and will only be contact by your professors when necessary.

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Commuting is not a problem, obviously, given that you’ll be working within the confines of your very home. This saves time, effort and most important of all money, all of which could be spent for other things.

• Apart from that, you can also log on to your classes from anywhere you would want, so long as an internet connection is present.

• Also, for those that are too shy, or those that tend to not like to mingle with other people, or people that have problems with speaking in front of other people, well, online courses could be the best for you. Given that you need not speak to others, or rather, you only do so with the use of a webcam, fact is, it’s going to be a lot easier for you.

• Given that you are on the internet, your instructors and professors can easily be contacted through email. You need not chase them around the university if you have a problem. Chances are, you’ll be able to communicate and talk to them immediately soon as they are online, which helps save time if you have any sort of problem that needs clarification.
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• Most instructors will not spoon feed you online as well. They will make you work for whatever sort of certification is given to you, and will likely only provide instructions as to what needs to be done, without ever making it a whole lot easier. But, hey, you’re on the internet, the world’s largest library as people say, so, research should not be much of a problem.

Truth be told, there are plenty more advantages in going with an online course. Plus, given that you can choose whether you’d go for business administration course by online courses Australia, or agriculture courses by online courses Australia, you’ll have a lot of courses to choose from, all of which may be accredited. This does not mean to say though that this will become mainstream education, but, it helps to know that you can learn a lot in terms of formal education online. 

How To Compose Poetry Textbooks That Promote

Poetry is a gorgeous sort of self-expression that can lead viewers to new insights as effectively as entertain viewers, make them laugh, and move them deeply. That claimed, poetry books are really hard to offer, and numerous poets fail to write marketable poems or existing their poetry collections in a marketable way. Even though a poet may get a wonderful offer of self-satisfaction from writing poetry, publishing a poetry guide is of very little purpose if no an individual is heading to acquire or read it. Here are a handful of recommendations for making a poetry guide far more marketable.

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Quite a few poets just compose a poem about whatsoever strikes their fancy at the moment. Then they finish up with probably fifty or a hundred this kind of poems and decide it's time to compile all the poems and put them in a collection. The challenge is advertising and marketing these kinds of a book. When individuals inquire, "What is your poetry book about?" most poets scramble for solutions. Regular responses may be, "It's about life" which is vague and boring, or far more especially, "It's a assortment of poems that examine adore, death, Nature, developing up, possessing a canine, gardening, aged age, browsing France, and sailing." Dull, confusing, as well numerous topics, and also small of any 1 factor. There might be an individual poem in that hodgepodge that interests a reader, but will he want to shell out $fifteen for a guide so he can examine an individual poem about sailing? Doubtful. Throwing with each other a bunch of unrelated poems into 1 volume isn't heading to help you sell your poetry collection.
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Most poets would never assume of writing an essay, a quick tale, or a book with no a concept, so why publish a poetry guide with out a precise theme? It may well be that you have fifty unrelated poems, but on nearer glimpse, probably 5 or 6 of them can be worked into a collection with a distinct concept along with writing some new poems so your book has focus. Your theme may be as normal as poems about films or about the seasons, or as distinct as poems about your battle with cancer or a poem about every single president of the United States. A concept is a hook. It will answer the unavoidable query-"What is your guide about?" and it will give viewers some thing to grasp onto so they can make a aware choice about no matter whether to purchase your book.
 

Poetry A Perfect Way To Express Yourself

Shayari or poetry has a rich history in Indian subcontinent. As far as Hindi or Urdu poetry is concerned then it is extremely popular in Indian sub continent countries. If we check the roots of Shayari, then we will realize that it has entered India with Muslim rule. Many big names like Meer taqi meer, Mirza ghalib and other have served a lot for Urdu-Hindi poetry. During Mughal rule in India, poetry got a new height. Some of the Mughal rulers were also good poet like Bhadur Shah Zafar. These days, we entertain ourselves with music and movies, earlier poetry was a big source of entertainment.

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Many cities in India like Lucknow, Delhi, Hyderabad, Mysore etc can be still recognized with impact of poetry. Many poets reside in these cities and regular poets meet together are called in these areas. As far as Pakistan is concerned then i would like to say that state of Punjab and Sindh have great history of poetry. Many Punjabi poets are extremely popular for poetry. Names like S.M Sadiq are serving for poetry in Pakistan There is no doubt that poetry is the best source that anyone can use to express himself/herself. If you want to express your love before anyone then nothing else can be better than poetry. Love shayari is already very popular in Indian subcontinent. If you simply search on internet with search term "love shayari", then you will automatically feel impact of poetry on the internet.

If you search on the internet then you will find that plenty of websites are available through which you can easily access Hindi poetry. Social network websites are full of all types poetry whether it love shayari, friendship shayari or any other type of shayari. These days value of poetry is not that much as it was 100 years back, but it is alive with film industry of both the countries India and Pakistan. If we consider poets working in Hindi film industry then we will find that names like Javed Akhtar, Gulazar, Irshad Kamil and others are active and working with full quality. Songs are supposed to be the backbone of movies in India as well as Pakistan, so film industry is highly dependent on poets. Government of India and Pakistan has started taking certain measures so as to ensure betterment of poets and poetry in this region.
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Finally i would like to say that don't consider Hindi and Urdu poetry limited to your inbox of cellphone. Poetry has very deep root in both countries so try to understand more about poets and poetry. These days things are very easily available so you can easily access poetry of Hindi and Urdu. So no need to think anymore, start your interest in poetry and get more close to it. After all love shayari. Friendship shayari and all other types of poetry are nice way to express yourself.

If you search on the internet then you will find that plenty of websites are available through which you can easily access Hindi poetry. 

What's My Home Worth

If you own a home, you may be considering selling or refinancing it. Before you take any steps in this regard, you need to ask "Whats my home worth?"

What's My Home Worth

Figuring out the value of a home involves calculating a number of factors. It can get a bit overwhelming, but I will explain it below. If you prefer to let someone else do it, you can get your home worth immediately online by clicking the following link. This is the company mortgage lenders use to get reports on the value of homes. Yes, the actual report. Unlike the lead services out there, you will not be inundated by a million real estate agents trying to get your business. 

For those of you that like to do the work yourself, determining what your home is worth is a multifaceted approach. On one hand, a home is worth whatever someone is willing to pay for it. If you are looking to sell or refinance, however, that is not a very good guideline.

To objectively determine what you home is worth, you need to take a large number of factors into consideration. They include:

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1. What are comparable homes selling for on your block or within three blocks at this time?
2. What did comparable homes sell for six months ago?
3. What did comparable homes sell for 1 year ago?
4. How long does the average comparable home sit on the market before selling?
5. What substantial improvements have you made, are there comparable homes that have done the same and how was their sales price impacted?
6. Are there any foreclosures in your area?
7. Is there any current or planned public works for the area such as a new freeway?
8. Is there open land near you?
9. What is the appreciation rate for your neighborhood for the last 3, 6 and 12 months?
10. Are lots of homes in your neighborhood for sale or only a few?
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All of these factors contribute to the worth of your home. You want to start with the sales price of comparable homes in the last three months. Looking back a year, have prices risen or fallen on the sales - adjust your price accordingly. Next you need to determine if houses sitting on the market for longer than the previous six months which is a sign prices are or will be dropping.

As you can see, this gets technical. If you really want to know what your home is worth, just click the link.

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How to Get Free Building Replacement Cost Estimates

You can usually get a free building replacement cost estimate by calling a local independent insurance broker who represents insurers that specialize in providing property and casualty insurance coverage for residential and commercial buildings. When you call a broker, tell them that you want a replacement cost quote. Property replacement costs are calculated by using a replacement cost formula that's based on the property's geographical location and its:

1. Street address.
2. Age.
3. Type of construction.
4. Number of stories.
5. Type of roof.
6. Current use.
7. Heating and cooling system.

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8. Square footage.

Use the Eight-Step Approach to Estimate a Property's Current Market Value

Use the following eight-step approach and the current value worksheet on the following page to get a rough estimate of a potential investment property's current market value:

Step # 1: Log onto your county's property appraiser or assessor's Web site to obtain the tax assessed value of the property under consideration.

Step # 2: Search your county's property tax rolls for recent sales of three to five properties that are comparable in size, amenities and features, and located within two miles of the property under consideration.

Step # 3: Carefully analyze any comparable properties that you find, and make sale price adjustments for differences in amenities, special features and the property's physical condition.

Step # 4: Verify the income and expenses that are listed on the income and expense statement of the property under consideration.

Step # 5: Analyze the property's income and expenses for the past twelve months to estimate its net operating income potential.

Step # 6: Calculate the property's capitalization rate by dividing its potential operating income by the estimated value that you derived from analyzing recent sales of comparable properties in step number three.

Step #7: Estimate the property's value by multiplying its net operating income by the capitalization rate you came up with for the property.

Step # 8: Calculate the cost of replacing the improvements on the property using the same building materials and method of construction.
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How to Accurately Estimate a Property's Current Market Value

The most common mistake that many beginning real estate investors make is that they pay too much for property. Fact is overpaying for property is often cited as the number one reason why so many newcomers fail to make it as profitable real estate investors. That's because most beginning real estate investors are woefully undercapitalized, and they don't have the deep pockets that are needed to subsidize their overpriced real estate investments.

For many neophyte investors, paying too much for their first investment property usually proves to be a very costly and fatal mistake, and marks the beginning of the end of their foray into real estate. That's why it's imperative that you learn how to accurately estimate the current market value of potential investment properties! As far as I'm concerned, it's the single most important aspect of the entire real estate investment business!

A Fast $15,000 Profit for Knowing the Value of a Condemned House

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I once bought a real estate option on a filthy, neglected, run-down, but structurally sound house in a neighborhood-in-transition in Winter Park, Florida, a suburb of Orlando, that had been condemned for building, safety, health and fire code violations. This place looked like something right out of downtown Baghdad, Iraq! It had what code enforcement inspectors commonly refer to as accumulations of every type of debris, garbage and junk known to mankind! The property's owner lived in Westerville, Ohio, and wanted the steady stream of threatening letters from the Winter Park Code Enforcement Board to stop.

I had done my homework, and knew the property was worth at least $110,000 after it was cleaned up. I ended up paying $500 for a one-year option to purchase the house for $75,000. It cost me $2000 to have all of the accumulations removed from the property, and the house, driveway and walkways pressure washed. Three weeks later, I sold my real estate option agreement for a $15,000 profit! This never would have happened if I had been clueless about how to estimate property values. Since I had an accurate estimate as to how much the property was worth in its current condition, I was able to negotiate a below market purchase price that was based on the property's filthy, neglected, run-down non-marketable condition, and not on how much it might have been worth after it had been cleaned up.
records are available online.

The Definition of Market Value

The Appraisal Foundation's Uniform Standards of Professional Appraisal Practice, defines market value as: "The most probable price a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the sale price isn't affected by undue stimulus.”

The Difference Between Assessed Value and Appraised Value

The difference between a property's tax-assessed value and its appraised value is as follows:

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1. Tax Assessed Value: Tax-assessed value is the value established by the local taxing authority for a parcel of land and the improvements placed upon the land for property tax purposes. For example, in Florida, owner-occupied single-family houses are generally assessed at around seventy percent of their fair market value by county property appraisers.

2. Appraised Value: Appraised value is the value estimate given to a property by a licensed property appraiser using accepted appraisal methods for the type of property being appraised. For example, the accepted appraisal method to accurately estimate the fair market value for an owner-occupied single-family house is the comparison sales method where a property's value is based on the recent sale of comparable properties within the same area.

The Three Common Methods Used to Estimate Property Values

The three most common methods used by property appraisers to estimate property values are the:

1. Comparison Sales Method: The comparison sales method bases a property's value on the recent sale prices of properties that are within the same area and comparable in size, quality, amenities and features.

2. Income Method: The income method is used to estimate the value of an income producing property based on the net income the property produces.

3. Replacement Cost Method: The replacement cost method is based on what it would cost to replace the improvements on property using similar construction materials and construction methods.

The Comparison Sales Method of Estimating a Property's Value

The comparison sales method of estimating a property's value is based on the recent sale prices of properties within the same area that are comparable in size, amenities and features. In order to be accurate, sale price adjustments must be made for comparable properties that have been sold at unrealistically low prices or on overly favorable financial terms not readily available to the buying public.

The Income Method of Estimating a Property's Value

The income method is used to estimate the value of an income producing property based on the net income the property produces. Under the income method value is calculated using a:

1. Capitalization Rate. The capitalization rate, or cap rate, is calculated by dividing a property's annual net operating income by its purchase price.

2. Gross Rent Multiplier. The gross rent multiplier, or GRM, is calculated by dividing the purchase price by the property's monthly gross operating income.

Watch Out for Owners Using Fuzzy Math

A word to the wise: when you read a property's income and expense statement, you should always go under the assumption that the owner is probably practicing fuzzy math by fudging on the numbers, and telling little white lies to back them up. Also, use a monthly income and expense analysis worksheet like the sample copy below, to cross-check everything that's listed on a property's income and expense statement in order to reconcile the statement with receipts and tax returns against what's shown on:

1. Schedule E (Supplemental Income and Loss) of the owner's latest federal income tax return.

2. The property's latest annual tax assessment income and expense statement on file at the county property appraiser or assessor's office.

3. All of the rental agreements for the past year.

4. Water, sewage, solid waste, gas and electric bills for the past year.

5. Repair and capital improvement bills for the past year.

The Replacement Cost Method of Estimating a Property's Value

The replacement cost method of estimating a property's value is based on the cost of replacing the improvements on the property minus the cost of the land to estimate a property's value. Replacement costs are calculated on a per square foot basis by dividing the total number of square feet in the building by the per square foot construction cost. For example, a two thousand square foot convenience store that cost $375,000 to build would have a replacement cost of $187.50 per square foot, $375,000 divided by 2000

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Quick Ways To Sell a House

Every homeowner is looking for quick ways to sell a house. It is just a fact of life and to be expected. Of course, the real question is how you achieve your goal!
Quick Ways To Sell a House

Once you decide to sell your house, you want to move it quickly. That may sound like an assumption on my part, but I have yet to meet a seller who wanted to wait months and months before accepting an offer. Admittedly, they are probably out there, but you are not one.

So, let's cut to the chase with the following tips on quick ways to sell a house.

1. Don't worry about major upgrades. This can be expensive and time intensive. Worry about quick changes that will make major visual improvements. We are talking touch up paint and landscaping.

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2. As moronic as it sounds, clean your house! And the garage! And the side of the house you haven't visited in a few years! And the closets! And the garage again! Have the carpets professionally cleaned. Heck, have the entire home professionally cleaned. You want to aim for the look of a model home in a new development.

3. If you have children, a battle may be required. I am talking about their rooms, the place where few parents are willing to tread. Posters on the wall come down. Now. Beds made, clothes in the hamper. Yes, the closets must even be organized. I fully realize this may sound like Mission Impossible IV, but it must be done. Threats and bribery are highly recommended to achieve the desired results!

4. If you have pets, they belong outside. No, I am not against pets. The issue is their hair on the carpet?the couch...and so on.

5. Smell is one of our senses that figure into our impressions more than we realize. If you are going to be showing the home, get flowers, candles or cook something mouthwatering before the potential buyer arrives.

The above represent common sense tips on quick ways to sell a house. They will help you close that deal, but there is one area that is the key to really moving a house quickly - the price.

The quickest way to sell a house is to list it below similar homes for sale in your area. It is that simple. Buyers are looking for a steal. Generally, this translates into buying the cheapest house on the block with the intention of upgrading it and reaping equity gains. Some get around to the upgrades, some do not. Regardless of the condition of your home, the key to moving it is price.

See, there are quick ways of selling a house. Most of the steps are based on common sense. As to setting a price, you want to be below the homes in your area. How far below depends on how quickly you want to move the property.