Top 10 Tips For Buying Cheap Textbooks Online

Short of money? (Dumb question, I know). Trying to figure out how are you going to afford all the textbooks for your next term? Are you creating new economic theories to balance your scarce budget?

Then you are probably not taking advantage of the very best, more efficient way to get your textbooks cheap, and I mean really cheap.

Search and buy online. That’s it. That’s the secret. And to make sure you get the best value out of it, I’m giving you below the Top 10 Tips for buying textbooks online.

1. Buy early. Don’t wait for the first day of classes to go and find the books you need. That’s the moment when demand increases and, inevitably, prices increase with it. Textbooks sell fast and furiously over that short period of time and the effort required to get the best offers then is far greater than the effort necessary just a couple of weeks before.

If your college or university doesn’t supply the textbook lists in advance, don’t despair, contact former students from the course you want to take, or even the professors themselves, and ask them for the books you should buy. That little extra effort will certainly be worth your while.

2. Buy used. Secondhand textbooks are cheaper. That’s an undeniable fact. It is not unusual to find savings in excess of $50 against list prices.

3. Consider older editions. Often times, books on classical physics, chemistry or biology remain virtually the same for years. If you are willing to use older editions you could find books for as little as $1. Not sure if the International Edition will cut it? Contact your course tutor and ask. Chances are he’ll even recommend an older book.

4. International Editions. An International Edition is a textbook that has been published outside the US and Canada and is meant to be purchased and used outside the US and Canada. International Editions are generally drastically cheaper than their American/Canadian counterparts. Here’s the catch, the publishers of International Editions generally do not authorize the sale and distribution of International Editions in the United States and Canada and such sale or distribution may violate copyrights and trademarks of the publishers of such works.

5. Use the ISBN number to boost the effectiveness of your searches. Every book published since 1970 has a unique ISBN, using it instead of the author and/or title will make your searches faster and 100% accurate.

6. Free shipping. Look for free shipping sellers when you are shopping around. Even though shipping within the US is generally under $4, or perhaps because of it, more and more sellers are keen to offer free shipping to potential customers in order to convert them into customers. This translates approximately as an additional 10% discount off a $40 book or 5% discount off an $80 one.

7. Shop around. I know you know that already, anyway, let me say it again, just in case you just landed on Earth from another planet 10 minutes ago. Compare prices from, at least, three different sellers before you make up your mind. If you want to compare online booksellers, you can go to In order to compare thousands of booksellers around the world you can go to the world’s largest marketplace for books.

8. Buy local. Check where the bookseller you are buying from is located before closing the deal. The nearer the better as shipping cost goes down, the planet is happier and greener and your community will certainly appreciate the extra business.

9. Sell back your old textbooks after you are finished with them. Chances are the same online bookseller that you bought your books from is willing to buy them back, just go to their site and look for their buyback program. Generally, shipping the books is free and payment is immediate upon reception. This one sells itself, doesn’t it?

10. Treat your textbooks well. Don’t use them as umbrellas or to kill that gigantic spider that appeared from nowhere inside the bathtub. Don’t write the name of your love interest all over it alongside little hearts and don’t use it as a canvas when you feel that artistic urge. Remember, you might want to sell them later and the better the condition of the book the more money you receive for it.

Follow these tips and I guarantee you will find more money in your pockets, more time in your hands and, of course, the satisfaction of having joined the 21st century, at last.

Buy online, you’ll never go back.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Fernando Bessega

Find a Title Company That Will Make Buying or Selling Easy

If you are in the midst of trying to sell or purchase a new home, then you might be confused or frustrated. You may have a real estate agent, but he or she might not be able to help you with every question that you have. Finding a title company might be the key to getting insurance or other help with the sale of your home or the purchase of another.

If you decide that a title company is what you need, then you should look for one that offers exemplary service through experienced and well-trained agents. Information should not keep you guessing, but rather you should be aware of the entire process that you are being guided through. Selling or purchasing a home is big deal, so it is important that you have the people on your side who are willing to do whatever they can to help.

Besides service and experience, you will also need to consider cost. It will not be free to hire a business to help you with legal issues associated with the purchase or sale of property. Just like it costs money to hire a regular lawyer, the same is true in this case. You will want to look at your options, but make sure to see that money is not your main consideration.

Flexibility might be a big deal as you hire a title company. You might be working a job, commuting from another town, or home with your kids during the day. You will need an agent who is willing to work with your schedule. Being inflexible does not show good customer service, and you would not be wise to go with a business that portrayed this.

After considering these areas and taking time to consult and/or call several offices for information on the services you desire, you will hopefully have the title company that will work the best for your needs. The whole process of selling a home is always a difficult one, but it does not have to be as bad as it could be. Having the right people on your side can help the process.

If you have never heard of a title company and do not know what exactly they do, take the time to find out. Knowledge like this might help you next time you need to insure an investment or sell a home. If you decide go find a business to help, then you will not regret the time that you put into finding the right place.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Andrew Stratton

Why Banks Need Broker Price Opinions – BPOs

What is a Broker Price Opinion?

When a bank or asset manager obtains a new foreclosed listing to sell, they immediately need to know the home’s value. Typically a bank will assign one to three agents to evaluate the approximate selling value of a home. These banks expect each agent to submit three comparable sold listings and three comparable active listings as well as an estimate of what the agent thinks the home will sell for.

A Broker Price Opinion is not as detailed as an appraisal and does not entail as much work. BPOs differ from Appraisals in a number of ways:

  • Appraisals typically cost over $300. Most BPOs pay brokers between $50 and $100.
  • Appraisals require detailed square footage measurements. BPOs rely on county assessors‘ recorded measurements.
  • Appraisals use a standard format recognized and used by lenders and mortgage professionals for precise property valuations. BPO’s are prepared in different formats and are used simply as decision making tools for asset managers of each bank.
  • Appraisals are typically 15-20 pages long with detailed information on each aspect of a property. BPO’s are usually 2 pages long with information pertaining only to a final selling price.

Why Do Banks need Broker Price Opinions?

Asset managers and bank personnel make decisions on several properties every day. Reading through a lengthy 20 page appraisal and filtering out the critical information is a waste of their time. These asset managers need concise, financial documents that make their choices easier. That’s why BPOs are so critical to their job. In addition, a BPO saves the bank over $200 per property compared with a standard appraisal. That money adds up quickly and saves the bank thousands and thousands of dollars a year.

Another reason BPOs are preferred by banks is that the turnaround time is much quicker than appraisals. BPOs can usually be performed by agents in under 48 hours. Many appraisers visit the property within 48 hours, but then require another day or two to process the information and create the full report.

How Agents Can Become a BPO Agent

Once a real estate agent understands what a Broker Price Opinion is, they immediately want to learn how to become a BPO agent and start to process BPOs for banks. This is understandable since a good agent can make an extra $500 – $1,000 a month simply by signing up with banks and requesting BPO assignments.

The steps to become a BPO agent are fairly simple. The basic process takes about a week. Here is a summary of the basic steps:

  • Obtain a list of BPO bank departments. Ensure your list has over 100 banks and asset managers.
  • Register on each of these banks‘ websites as a BPO agent. This process can take over 15 hours to register on all 100 websites, so schedule your time wisely.
  • Follow up with the banks and asset managers to make it clear you want to process BPOs for banks and become one of their preferred agents.
  • Once you receive your first assignment, do a fantastic job and go out of your way to ensure your client is happy. It only takes a couple of solid bank clients to keep you busy with a steady flow of Broker Price Opinion assignments.

As you start your quest to become a BPO agent it’s important that you never give up. Once you start to process BPOs for banks, your business will snowball quickly. Good luck!

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Brian Anthony

Converting Your Carport Into a Garage Can Increase Home Value

All things being equal, converting your carport in garage can increase home value. A carport is better than no garage, a single car garage is better than a carport, and a double garage is better than the single garage. However, you really have to be familiar with homes in the area, and whether your home is comparable to other homes except for the carport.

And before you decide whether to put in a carport, you should first find out if other comparable homes in the neighborhood have a one car or a two car garage. If other comparable homes in the area have a garage, then your house should have a garage. If you are going to put in a two car garage, then make it a real two car garage, and not a garage for a scooter and an ATV.

Converting you carport into a garage can cost you anywhere from $15,000 to $50,000, so you really need to know what other comparable homes are going for so that you know how much you should invest in converting your carport. You should also have an appraisal of your home to know the difference in value between your home and other comparable homes in the area.

Since the conversion is going to be quite a large investment, you really need to be sure that you are going to be in the home long enough to recover your investment. That is the rule of thumb for any other home improvement you might make. After all, it makes absolutely no sense to invest money in your home if you are not going to recover the investment.

If you invest $50,000 in your garage, it is not likely that you will recover that much money in the short term, if at all. However, if other comparable homes in the area are selling for $20,000 more than the appraisal you receive for your home with a carport, then investing $15,000 on a garage is not such a bad idea after all.

If you decide to convert you carport into a garage, then make sure you ad shelves other types of storage space. When people look at garages, they are not only looking for a place to store and protect their car. They are also looking for a place where they can work, and store things such as tools, gardening equipment, etc.

If you add shelves, and other types of storage space, then you are going to make your garage that much more attractive. However, if you start adding insulation, heating, and cooling, you may run well over the budget that you had established. It all depends on how much you are willing to spend on your garage, and how much you are planning to recover when you sell.

If you get carried away, you will spend much more than you had planned to spend, so you need to stick to your budget. It may be that you have to wait five or ten years, or perhaps even longer, to begin to recover your investment. If you are looking to sell right away, then you should be conservative about how much money you spend in converting a carport into a garage. The important thing is to know what your home’s value would be with a garage instead of a carport.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Marco D Benavides

How You Could Avoid Repossession By Using An Ethical Rent Back Scheme

Sadly the statistics of repossession are growing with a 65% increase in the amount of homeowners being faced with the horror of losing their homes. The rise in interest rates, which on average boosts mortgage repayments up by £500 per year goes towards these statistics. It really is a grim picture, with over 100,000 homeowners admitting to be in arrears of two months or more and a predicted 19,000 homes expected to fall back into the hands of the mortgage lender due to repossession every year.

For these people life becomes an increasing struggle and an ever growing worry; however there is a solution which should be given some thought that could greatly ease the pressure and worry of repossession. An ethical sell and rent back company could buy your home quickly, and would allow you to remain in it while paying affordable monthly rent to them.

Looking online, you will be able to find ethical specialists in selling and rent back, who could work with you to help you avoid repossession by your lender. As time is crucial when stopping repossession, firms such as these will act in the shortest times possible to buy your home, which then allows you to settle up with your mortgage lender. It is quite usual for the whole process of buying and renting back to be completed in around 7 to 10 days.

The beauty of going with specialists such as this is that you do not have to look around for buyers, there are no chains which might break, any costs are paid by the company, such as solicitor’s fees and of course the biggest bonus is the fact that you are able to remain in the property.

A sell and rent back scheme can work very well for those who have limited options and are faced with imminent repossession of their home. A prime example of this would be if you are so far behind in mortgage arrears that there is no possibility of catching up on the missed repayments. Of course if problems have just arisen with your finances and this is only in the short term, then in the first instance you should contact your lender to see if they are willing to reach an agreement.

If you are considering a sell and rent back option then it is essential to choose a professional company. The company should always have the homeowner’s best interests at heart and work alongside them to reach a financial solution tailored to the needs of the individual and which they can afford.

A specialist would work with you to come to an agreed purchase price along with the monthly rent you will pay to remain in the property. However, it doesn’t stop there as an ethical company will quash proceedings for repossession which may have begun and give advice on the procedures you will have to follow to in relation to the Court. Of course, as with all contracts, you should always read the small print of any contract you are considering before actually signing your home away.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Oliver Darraugh

5 Helpful Ways to Sell Your House Fast

There can be many different reasons why you would want to sell your house fast. Maybe you’re relocating for a job in a few weeks, and if you don’t sell in that time period you are stuck with it. It could be that you need to free up capital for other ventures or maybe you’re facing a foreclosure so you want to make a quick sale. There are many reasons why somebody would want to sell their house fast, but how? In this post I will give you 5 ways that a homeowner can sell their house fast.

Price low to sell your house fast

One of the fastest ways to sell a house fast is to put the property on sale for less than the market value, people know a good deal when they see one and it won’t be too long before you start getting offers. It’s not uncommon for people who put their houses for sale at the market value to wait several months before a sale is made.

The obvious major drawback to pricing your house low for a fast sale is that you’re not getting the true value for your property, which leads to the next question, are there better ways to sell your house faster than pricing it low?

Get an offer from a local cash home buyer

One of the most effective ways to sell your house fast is to sell it to a local cash home buyer. For one, you don’t need to deal with banks and jump through all their legal paper work then end up waiting weeks, or even months before anything gets signed. Selling to a cash buyer also reduces fees of lawyers, admin fees, and most of all it’s a pretty stress free process as you don’t have to worry if the mortgage for the buyer will be approved, or how well your house will do in the appraisal.

Ultimately selling your house to a local cash home buyer is fastest way to sell your house with the least amount of stressed involved, as most of the variables have been cut out.

Keep it clean

The saying you don’t get a second chance to make a first impression is true when people are viewing your home. When you get potential buyers, ensure the house is immaculate. When people buy a home it’s usually with the idea to live there for many years. By keeping an uncut lawn or not having everything neat and tidy, will leave your buyers with an unappealing opinion of your house.

Think neutral, don’t take any risks with funky colours or décor. Try to make everything look as plain and simple as possible.

Invest in your home

This may sound like a crazy idea to invest money into your house if you’re going to sell it, but just hear me out for a second. Giving your house a new gloss of paint, replacing a few old doors or giving a room a mini makeover can be a smart way to sell your house fast. Making your house ‚ready to move in‘ appeals to a lot of buyers. Buying a house is already stressful and most would rather move into a new home and start enjoying it right away than move in and have to think about what needs to be fixed or replaced.

I don’t advise on installing a new bathroom or getting a fully equipped kitchen installed. Sometimes just replacing the cabinet doors would be a big enough change to give your house a new look without breaking the bank.

Be flexible

If you have found a buyer who wishes to take your home off your hands at a date that is not convenient for you, accepting the offer is a much wiser move than being stubborn. The short term hassle of living at a hotel or a friend’s house for a week or two is going to be much better than waiting months on end to sell your house.

There are many ways to sell your house fast if you’re willing to put in the work and make some sacrifices. If you combine all the methods I’ve suggested today, you will be sure that you will sell your house faster than if you just went to a real estate agent and let them list it for you.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Danny L Johnson

Getting New Home Mortgage Leads – Internet Mortgage Leads are not the Only Option

Only a few short years ago, internet leads for mortgage loans were among the best consumer-initiated leads available to any mortgage professional. However, these leads have become over-saturated these days. There is far too much competition and over-selling of this information on the part of the people who run these websites, promotional ads and gimmicks, and offering to do almost anything just to get the consumer to sign up for their featured service.

Even though the conversion ratio has gone down significantly for internet leads in the mortgage industry, these are still an excellent source of new business for other markets, like debt settlement, credit repair, or if you want to provide a semi-exclusive lead to a large loan officer team. Do not buy exclusive internet leads unless they are first called by a call center, then live transferred to you directly. Unverified paper leads can cost you much more than they’re ultimately worth.

Telemarketed leads have at least some chance of being high quality. This is because you might happen to call a borrower on the right day and time, and bring up a topic that has been on the back burner of their mind for a while, and they are finally ready to talk about it with you and make a purchase decision – minds can change easily and quickly. However, since the creation of the Do Not Call list, it’s been difficult to reach many borrowers. Data may also be sold and resold in the popular states, meaning you may not be the only one who has been calling this person, and they may be sick of all the phone calls..

Even if you buy an exclusive lead, other call centers are very likely contacting the same data, whether they are domestic or foreign. When asking about call center leads, ask where the call center is located. That’s because most American homeowners will respond less when obviously foreign out-sourced call centers ask for information.

If you are pursuing a telemarketed lead, you might want to ask your company about live transfer options, or be sure you receive a file of the conversation with the borrower, so you can at least know that the person was interested in finding out more about a loan or home mortgage refinancing []. Otherwise it’s difficult to keep your provider in check about how valid the mortgage loan leads [] are.

Direct mailers are known to be effective on a long-term basis, but you shouldn’t expect to see any rapid results or immediate conversions. The average person needs to see the same advertisement 5-7 times to respond, if there is an interest. So even if response is low on your first two or three campaigns, hang in there, it will take a few more campaigns to get your marketing engine running! You should budget enough to keep this advertising going for about three months before you see a return on your investment. This strategy is recommended for companies who have been at it for a while. The direct mailer strategy can also be one of the best strategies for niche markets, such as reverse mailers and BK lists.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Kathy Hildebrand

Green Real Estate and Education Go Hand and Hand and the Timing Couldn’t Be Better

What a better time to think of value in residential real estate than in the present challenging times. Most are still wondering if the projections of a turn around in the current marketplace are just fiction or truth. Five steps forward and two back, then three forward and three back. So what is really going to drive value for the buyer to buy again? What does a buyer consider in today’s economic climate for the decision to buy a home? Do they think of a home for their family in terms of how their parents looked at the purchase? Do they still think a home is the American Dream where investment returns will be offered in the 6-8% in annual growth patterns as in the past?

The current climate offers a new sales technique for mortgage and real estate companies in moving property. The „short sale“ market is of value to the investor, but counter productive for future community values. So, if you want to sell a home in this market, what are your options? The appraiser will always look at recent sales, and there have been several homes foreclosed and resold as short sales in your neighborhood. The bad thing is the family that wants to move across town into a nicer home, but the short sales will affect the value of their home dramatically. Appraisers will look at the most recent sales using the cost approach to determine value. This gives you only one real option to take less for your home, and hopefully buy a short sale across town if any are available. I mean why should we take such a loose; we were always on time with our mortgage and taxes, why are we being so affected by others hard times.

So you don’t sell, because you do not want to take such a loss and there are no foreclosures in the area you want to go. What do you do to build value for the future? What do you honestly think will help your home stand out in front of the others? What do you think a buyer is thinking about today? Low utility bills? Are they considering looking into solar or energy savings? Are they curious about green building and green renovation products? Here is an idea. Put $15,000 in energy efficient upgrades in your existing home, taking advantage of the tax incentives and rebates. Now, depending on the upgrades you have chosen, the property stands out in this development. With offering up to 65% lower energy bills alone a buyer desiring your neighborhood may lean towards your home even if there is a short sale for less money. The timing couldn’t be better as most are curious on how to renovate to lower utility bills. Green renovations, can make a difference in real estate values. Using healthy materials and installing more high efficiency systems will making a difference in quality of life. While economic times are challenging those involved in the energy sector hold promise for growth. Our company, Green Real Estate Education is educating all sectors in the real estate industry to bring these points to those is there markets. Our educational programs are in demand even in these economic times.

Energy Efficient Homes and proper marketing especially if they offer the added benefit of being green certified properties are some of the most sought after residences and gaining strength daily. The entire building industry is changing towards sustainable and green techniques; it’s about time we embrace the new green revolution.

It is our opinion that a home seller should separate their property from the short sales and get green products and systems into their home as soon as possible. Some may not be thinking of selling right now, maybe in the future. But all renovations need to have energy conservation and the concepts of offering healthier indoor air quality in all they do in the future. . To investigate the best and most affordable way is to do a green renovation that will produce future value, is to hire a one of the 5,000 Green Real Estate Education has trained. A GCMP-GL is a Green Certified Mortgage Professional with a Level One Green Leadership Certification and a GCREP-GL is a Green Certified Real Estate Professional with a Green Leadership Certification. These professionals will offer options many do not even realize exist. Preparing your home for your future and the future of others will be a key to a successful sale. As a buyer, using these professionals will bring you additional information for becoming more aware of what your investment can bring in the future. This can and will support value while separating your home from others.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Kerry R. Mitchell

Real Estate Advertising Ideas – 5 Unique Advertising Options

When building customer-base for real estate, success is not an overnight feat. It will involve a lot of hard work. Letting other people know of your business or about the property you sell does not totally mean that you have to place lots of text-based ads all over. You have to be creative to excite your potential buyers. Here are some tips for your next real estate advertising goal.

  1. Create a video walk through of the house. Take advantage of the technology offered by smartphones and drones. Using them plus your creativity, you can shoot at different parts of the house to present realistic view of what you are selling.
  2. Build free offers to collect email addresses. If you are observant, you probably can see that a lot of websites and blogs have pop-ups offering free trials, free newsletters, pdf downloads of articles, and a lot more. By simply filling out the electronic forms, users can give you email addresses which you can later use to send out your offers of real estate properties being sold.
  3. Be a resource person for local TV networks and radio stations. By being an expert person on real estate, you can actually gain the attention of local TV networks and radio stations. It’s like applying for a job but if you’re able to hook with them, you will have a great venue to advertise the properties in your portfolio. You can email them to send either a letter stating your endeavor or a short video presenting yourself as an expert and willing to be their resource person on subjects related to real estate.
  4. Take advantage of the trending internet memes. Admit it or not, you are also among the bunch of internet users who are enthused with the trending memes we see. They carry a range of graphics ranging from animation characters, Hollywood stars, animals, and a lot more. Depending on the graphics and the texts that go with them, they become instruments to send-off messages to those who see them. With this said, then you can have memes that actually persuade people to buy the property you are selling or call them to action to avail your services as a real estate agent.
  5. Have video testimonials done by previous clients. Go beyond the usual testimonials which are fully textual and placed on specific sections of the website or blog. Instead, ask for video testimonials from your past clients. Aside from presenting their real experiences, you present real people to potential customers.

Go unique. Go beyond the usual. Exhaust your creative juice to excite your clients. Real estate marketing is tasking and will need you to work your way to become a brand and an authority.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Desare A Kohn-Laski

Real Estate Training – Short Sale Lead Generation Tips

In providing real estate training, I’ve been asked many times by agents, „How do I get short sale listings?“ Well, there’s more than one way to get them. Right now, I’m only going to focus on, perhaps, the easiest way there is to get short sale listings.

The answer is working your database of people you know for distressed home owner referrals. Since you have a relationship with your database it’s much easier for those in your database to trust you enough to refer distressed homeowners to you. The people in your database already have relationships with those they know that are struggling with their mortgages. They’ve done that work for you already. Doing this is more effective than other methods of getting short sale leads because you end up contacting fewer people before you get a short sale listing.

So, why is that? When you contact a distressed homeowner directly, they automatically have a thick wall around them that you have to break down before they will even start to listen to your message, no matter how great your message actually is for them.

So, here’s what you’re going to do to actually carry this out. First, seek distressed homeowner referrals from your past short sale clients, even if you haven’t contacted them in a while. Second, since there are so many distressed homeowners, make sure a good portion of the content you’re sending to your database is related to struggling homeowners. This can be information on foreclosure prevention seminars, tax and legal ramifications of foreclosure and short sales, bits and pieces of the foreclosure and/or short sale process, and what ever else you can think of.

Make sure you keep the info you send short and focused on one thing at a time. This way you’ll always have useful content to send your database over time. Don’t forget to always direct the person to share the info with someone they know who can benefit from it. Your goal is to relate that you are the source of relief for distressed homeowners. Convey that you know the answers and you know how to get answers. Also, make sure to share with them if you’re pre-foreclosure or short sale certified. This can be in an email or phone conversation by saying, „Did you know I have a Pre-foreclosure Specialist Certification? The reason I’m telling you is so you know who to refer your friends and family to if they’re struggling to pay their mortgage. I counsel homeowners with accurate information so they can make the best choice.“

You see, your approach is not to tell someone to sell their house right off the bat. Most distressed homeowners don’t want to sell their home as a solution to their problem and if you want people to refer others to you they also need to know that you’re not going to tell others, right off the bat, to sell their home. If you’ve given good info, the distressed homeowner will usually make the decision to sell their home on their own without persuasion from you.

You want to convey to your database that you’re a knowledgeable distressed homeowner consultant. Doing these things will educate and prepare your database to give you referrals of distressed homeowners. You’ll have more appointments, get more listings, and help more people. I’ll have more real estate training for the appointment with a distressed homeowner in another article.

Immobilienmakler Heidelberg

Makler Heidelberg

Source by Mike Pollak

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