วันเสาร์ที่ 19 ตุลาคม พ.ศ. 2562

eCO: Why Should You Invest In eCO?

There have been so many new Condominium launches in the East and North-East regions of Singapore since the beginning of the year. However, at Tanah Merah, there has not been a new condominium for some time. Just next to Tanah Merah MRT Station, an exciting and rare gem awaits. eCO has the strategic location just next to a MRT Interchange and is in an established private residential estate.

There are many more reasons why you should consider investing in a property in eCO:

1. Choice Location

eCO is nestled in a prestigious district 16 near East Coast area and it is amongst landed properties and condominiums. It is well connected to the rest of Singapore - be it via public transport or car. A quick five minutes walk gets you to Tanah Merah MRT and from there, you can go to town area in less than twenty minutes. If you drive, East Coast Parkway and Pan Island Expressway can be accessed easily within ten minutes.

2. Eco design

Be prepared to live in a beautiful and rich tropical landscape because the theme of eCO is "community in a garden". Designed by Ken Yeang, a world renowned architect and landscape architect, you can be assured that every บ้านมือสอง design has been carefully thought out. Look out of your windows and admire the majestic rain trees, lush gardens, vertical garden, pond and flower terraces. Not only that, you get to grow your very own herbs and vegetables in the Herb garden. This gives the whole community a chance to engage in hands-on gardening. Imagine your pride when you see your plant blooming!

The whole condominium site plan has been thoughtfully designed for the plant lovers, nature lovers and private oasis seekers in mind. Despite living in a busy urban city, once you step into eCO, you can be guaranteed to leave all the hustle and bustle of city living behind. Step into eCO and be greeted by luxuriously spaced open arrival plaza and tree lined boulevard at the Arrival Garden. As you walk into the development, you can appreciate the naturalistic pond ecosystem which will be home to a rich diversity of aquatic plant species. The highlight would of course be the Adventure Forest Walk. You can get to be adventurous and explore by foot or cycle about the ecological corridor. You will find new plants or birds that you have never seen before and learn more about them.

eCO is such an interesting Condominium with a fantastic location and beautiful design bringing nature to you. It is definitely a worthy investment as it is different from any other Condominiums in Singapore!


วันศุกร์ที่ 18 ตุลาคม พ.ศ. 2562

Zero Down Home Loans - They Still Exist

Now is a fantastic time to purchase a home. With low mortgage loan rates and home prices at affordable levels becoming a home buyer today is easier on your pocketbook than it was five years ago. This may sound strange to many. With the recession and economic challenges how could it be easier to buy a home now? The answer is simple, lower home prices and low mortgage rates equal a lower monthly payment. The typical mortgage loan is for over 30 years meaning not only are you saving money today but you will save every year until it is paid off. The reduction in prices has even caused payments on a home mortgage to be lower than market rate for a rental property.


Your Incredible Home Building Education - New Construction Tips

Some of the best advice I've given people who are interested in becoming better at anything is education. If you're looking for an incredible home building education, you will need to start reading books and gathering as much information as possible from other successful people who work in the construction industry.

Your education starts with gathering knowledge about anything that you're interested in and construction is no different. If you want to learn how to build a new home or remodeled an old one and you don't know where to start... what do you do?

Like anything in life, we need to start somewhere and home building is no different. If you don't have anyone available that can teach you how to build a home, your next best bet is going to be to gather information from books, videos and even articles like these available to you at no charge on the Internet.

Now the next problem would be to find books that you can gather useful information from. This could be a totally different story and often creates big problems for people who don't understand the basics of home construction.

The best advice I can share with anyone about finding reliable books, would be to start reading a few of them and comparing information. If one of the books is telling you to build the home one way and another book is telling you to build it a ฝากขายบ้าน completely different way or by using similar methods, get some more books.

I don't have a sure fire way to teach anyone how to build a house, but I'm working on it. Find some good home building books, watch some great home building videos and start to assimilate the information, and it won't be long before you have developed some type of home building education for yourself.


Zoning Laws Could Affect Home Construction

Zoning is vital because it informs ขายบ้าน land buyers and owners what they could build in a certain area. Furthermore, zoning is required to protect the rights of the people occupying a certain location. It is a regulation stating how a piece of land should be used. This is to protect the people who are currently living in the neighborhood and covers both industrial facilities and residential areas. For example, a mall located in a residential area could be risky to children living in the neighborhood due to congestion of traffic and a greater chance of vehicle collision incidents in the area.

If you are planning to buy a home, it is important to observe diligence and you should be aware of the different zoning laws in a certain neighborhood. Some areas only allow you to build a single-family home, so if you want to build a duplex, you have to look for another area that allows you to build a duplex. Some zoning laws have certain stipulations when it comes to the distance of the property. There are cases when you will be authorized to build a single level home only. If you want to build a home and a space for your business, you should find an area that allows building both a residential and commercial building. It is of vital importance to be familiar with the zoning laws when considering the kind of home you want to build. Some zoning laws have certain limitations when it comes to the size of the home. With zoning laws, use of land is categorized as industrial, commercial or residential.

When planning for a home to build, you must determine first the zoning by-law rules in your property. Zoning rules and regulations address matters like permitted land use within the various parts of the city, setbacks of buildings from lands considered hazardous, building heights, building floor areas, lot coverage, accessory and building uses such as utility sheds, pool and many more. Also included in the zoning regulations are water and sanitary sewer services, home occupations and outdoor storage and parking requirements. You have to be aware and review the basics and understand zoning codes and symbols. Residential zoning is usually divided into various classes such as R1, R2 and R3.

It is important that before you invest in a property, you have to know the zoning requirements and proposed changes, if any. This helps you save a lot of aggravation and money. Being aware of the zoning by-laws and requirements, you can avoid expensive and time-consuming mistakes when building your dream home. Determine if you can secure a variance if you are planning to build a home that does not meet local requirements. A variance is an exemption to the zoning regulations. If you are allowed to file one, make sure to find out the time frame for submitting it. Normally, you will be scheduled to attend a zoning meeting. Do not forget this when planning to build your home or business establishment.


Zillow Takes Aim at Small Investors

This is a little different type of article than I typically write but I found this interesting and wanted to share. A few months ago, Zillow announced its Instant Offers program, which basically allows sellers to get offers on their homes within two days from institutional investors. These investors are highly qualified buyers and close with all cash within a week. At this time, Zillow claims that it is not offering this service to broker deals and charge commissions; it is doing it to fill a need in the industry. They claim that it is actually encouraging sellers to use agents, not vise versa.

Many agents are upset. In fact, according to a recent survey, 87 percent of Realtors think that Zillow is trying to become a broker and eliminate agents. Some agents, however, are excited about this shift and want to work more closely with Zillow.

If you have not heard, this is how the Instant Offers program is working in two test markets. A home seller completes an online questionnaire. From there, Zillow passes this information onto a small group of institutional investors who are buying houses in that market and to a qualified Realtor. The Realtor is tasked with providing a detailed comparable market analysis while the investors are tasked with submitting offers. Within just a few days, the sellers should have multiple cash offers and a CMA to compare the offers to. They then decide to go ahead and accept one of the offers where they can work with an agent to help with the transaction, or they can close the transaction without the help of an agent, or they can choose not to accept the offer and sell the house in a more traditional manner. This could include listing with an agent.

There have been several agents that claim to have received a large amount of seller leads under the new program. They submit the CMA and then are encouraged to follow up to try to get the listing.

I don't see this as a bad thing for agents. Zillow is not charging any fees to the borrowers or the investors for this service, and claims that it is not interested in creating a brokerage or charging commissions. They generate revenue from ads and selling leads, not houses. Although many agents feel this could change because Zillow is not a profitable company. Entering the brokerage business could be a new profit center. I don't see it that way, at least not yet. I see this more as a marketing ploy to attract seller leads for agents.

Although I am not concerned Zillow will take over the agent's job, nor do I see this as a big threat to investors, I could see how one could view it that way. Zillow's mission with the Instant Offers program is to capture every lead from distressed sellers it can and turn them over to cash buyers or their "pay to play" agents, virtually eliminating the small rehab investor. It is our job to be aware of what is going on and to maneuver our business to benefit.

Here is why I am not worried. First, the cash buyers are going to need steep discounts and the agents that just want a listing are going to be offering inflated CMAs. Those two could be so far apart it is going to hurt Zillow and the Zestimate it is so proud of. (Zillow's ขายอาคารพาณิชย์ opinion of value) This alone could make the program crash before it even gets going. That is not what I think is going to happen however. My guess is most sellers will end up listing the house with the agents providing the inflated CMAs. The agent will likely have trouble selling it because they will be listing it too high. This could be a great thing for a small rehab investor. Here are two ideas that you can implement to take advantage, assuming the Instant Offers program comes to your market.

You can network with the "pay to play" agents. If you can prove you close on your contracts and build a relationship with them, they too will be bringing a cash offer to the table. There are ways to make your offer more attractive than the institutional investor's offers. This could be a great way to get noticed by sellers before the distressed houses ever go in the MLS. You can track listings that appear to be too high in the MLS. Once they have been listed for a while, you can start to market to the seller and/or listing agents. Be careful though. You may not be able to market directly to the homeowner of a listed house unless you are unlicensed. Cash offers on distressed houses are attractive after the motivated seller has their house listed for a while with no traction. Currently this program is only available in Las Vegas and Orlando, but there seems to be a lot of optimism around it, so there is a chance it hits your market before long.


Your Homeowner's Association Financial Review

Associations with a gross income over $75,000 are required to annually prepare a financial statement on an accrual basis and distribute it to the membership (homeowners in the hoa). That statement must be independently reviewed by a licensed certified public accountant (unless the governing documents call for an audit instead of a review). The financial statement must be distributed to members within 120 days of the close of the fiscal year.


Your Home Office - Designed To Work For You

Several years ago I was working out of my home ขายบ้าน in an office I'd designed for myself. With plenty of space, oversized countertops, and specific places for each piece of office furniture and equipment I use (I'm highly computer-dependent), I was productive and efficient without sacrificing closeness to my family. In terms of design, space utilization, and ergonomics, I'd thought of everything. Then two things changed my work setting in fundamental ways; a two-year old and a four-year old who delighted in knowing that Daddy was home all day.

But that wasn't totally unexpected; I'd made provisions to increase the privacy of my office as the children grew. A little planning and a few rules about when the office was "off limits" kept the advantages of working at home intact.

Thirteen million Americans are currently running businesses out of their homes, according to the Kauffman Center For Entrepreneurial Leadership (www.emkg.org). In all, forty-five million of us (35% of all U.S. households) work at least part-time out of home offices. Combine those figures with the Herman Miller Company's (www.hermanmiller.com/) projected 10 to 12% annual growth in the home office furnishings market and it is obvious that sooner or later, many of us will have to consider how to integrate this relatively new function into our existing or new homes.

There aren't many hard and fast rules about home office design; our jobs and lives are unique and will influence each individual situation. But a few basic ideas apply almost universally, and will help to guide you towards making the best with your resources.

Locating The Home Office

Even a well-planned office space won't work if it's located poorly. If you see clients in your office frequently, and especially if you have small children at home, separate the office from the home spaces as much as possible. This might mean a completely independent office structure, or an existing room with an entrance designed for use by clients alone. If the office and home spaces are adjacent, proper sound insulation is a must.

Building a completely new office structure allows you the most design options, but forces the consideration of future use. Will you work at home forever? If not, what will become of that dedicated office? In my home, the old office is in "phase two" of its evolution, the kids' "playroom". In phase three it will be remodeled into a media room for the adults. Design your office to grow and change with you.

Remodeling an existing space into a home office requires you to look carefully at the use of adjacent spaces. Many clients will think it a faux pas if they hear the toilet flush upstairs during a meeting. Speaking of plumbing, will there be a nearby bathroom for client use? Will they have to wait for your son to get out of the shower to use it?

But perhaps you don't see clients at home. You may only need a quiet place to get in a few hours or work each day or you may find that the solitude of home is simply a better environment for what you do. This situation allows the office to be buried within one of the family areas of the house; a nook adjacent to the kitchen keeps you near the center of activity and able to supervise children; conversely, an alcove attached to the master bedroom can be very private and reduce the temptation for the children to interrupt. If you need privacy, find it by locating the most remote areas of your home.

Be realistic about the potential distractions of working at home. If you're a moth to the flame of the refrigerator, it's best that you make the path between office and kitchen as long as possible. My Achilles' heel was cable television; it was just too easy to leave The Golf Channel on all day long. I can't get away with that in a regular office.

Let Your Work Style Dictate The Design A few years back, I worked with a client to design a part-time home office for her small consulting business. The more time we spent discussing her work style (she worked almost exclusively with a telephone and a computer), the more we began to realize that all she needed at home was a quiet space to talk on the phone and to set up her laptop. In the end, the entire office consisted of a three-foot by six-foot desk nook tucked behind her kitchen - just enough space to type and talk, a few shelves, and two telephone lines.

If you work entirely at home, or if you bring home piles of paperwork from your main office, you'll need greater accommodations. Countertop area and storage space are always in demand - make sure you've got enough. A large executive desk looks great but you will get much more use from a wide expanse of countertop.

Rather than creating expensive built-ins, many of my clients opt for what I call a "paper pantry"; a large walk-in closet, full of open shelves for paperwork, files, and office supplies. A paper pantry saves money, keeps the mess hidden, and can be used as a clothes closet should the office ever be needed as a future bedroom.

Receiving clients at home requires a place to conduct meetings. A conference table might fit the bill but don't forget to consider how it will be used when clients aren't present. A well-placed conference table should double as additional workspace for you.

Finally, if your work requires frequent trips out of the office, find a place where you can sneak in and out without disturbing the others in your household.

Accommodating Office Equipment Almost every office requires a computer. It's the personal computer that made the whole work-at-home concept possible. But computers are still bulky assemblages of wires and peripherals that take up valuable countertop space. Add to that the copier, scanner, fax machine, and telephone and suddenly you've no room to work.

Just like a media center in a family room, cabinets and shelves can easily be designed to hold or conceal office machinery, and free up space to work. Many times I've expanded the "paper pantry" concept to include office machines. The components you use everyday (printer, copier) are best placed within reach of your desk, on shelves under countertops, or in low cabinets. The less frequently used pieces (scanner, fax) should occupy a more remote location. Other options worth considering include a laptop computer instead of a full-size machine, and an "all-in-one" machine combining fax, copier, scanner, and printer in one compact footprint.

Whichever setup you choose, make sure you've got plenty of electrical outlets and telephone jacks so that you've got the flexibility to fine-tune the arrangement of machines.

Managed Growth Home-based businesses usually fall into one of two categories: new businesses trying to grow, or satellites of existing office space. The future needs of a satellite office are few, since it's intended as just an extension of a larger office. But planning for a growing business requires some prognostication.

If you hope to move out into commercial space someday, don't overdo the home office. Plan for a little growth, but don't overbuild or overdesign a space that's destined for obsolescence. Instead, look ahead to how that space will be used when you've moved out of it.

If you want to grow your business and keep it at home, check local zoning codes and deed restrictions on your property before you make an expensive commitment. While most zoning codes allow limited home-based business, they often restrict the number of employees, on-site parking, and even the type of businesses permitted. Often these restrictions are related to the size of your property, but don't assume anything. A phone call to your local zoning official and a quick check of your deed may save you a lot of time and money.

Don't "Underdesign" It The temptation to think of a home office as strictly a place of function is strong. But if you really intend to use it, it is vital to create a pleasant work atmosphere. Access to views and natural light helps increase the ambiance and allows you to be more productive. A few well-placed personal items give you "ownership" of the office; comfortable seating and good function reduce stress.

Keep in mind how much time you're likely to spend there. You need to make the most of those hours so give yourself the same or better amenities than you'd expect from a well-designed outside office (you've already got the private parking space!). Surround yourself with an environment that supports your work and stimulates your creativity. Make it a place you look forward to going to. Properly done, a home office can be a comfortable, profitable, and liberating place to work.