Your Honeymoon in Germany – Romance on the Rhine

If your idea of the perfect romantic setting contains scenes of mountain streams coursing through lush alpine meadows; medieval castles towering over the banks of winding rivers; narrow cobbled streets winding past watchmakers and chocolate shops; and sunny beer and wine gardens where you and your bride or groom can relax over a bratwurst or Sachertorte, then you deserve to honeymoon in Germany.

Germany offers far more, of course, then the scenes you would expect to find in a box of Bavarian Christmas cards. Germany’s culture is one of the world’s greatest, and has been responsible for philosophical, artistic, and musical revolutions. Germany’s marvelous cultural heritage is celebrated both in her museums, and in marvelous festivals held throughout the year.

A honeymoon in Germany during the month of October will find you there for Munich’s Oktoberfest, where you will be joined by hundreds of thousands of visitors to celebrate the national beverage, beer. Each of Germany’s other great cities, Berlin, Frankfurt, Hamburg, and Stuttgart has something unique to add to your honeymoon.

Germany’s capital, Berlin, is the site of magnificent architecture, important museums, and Germany’s premiere theaters. Spending your honeymoon in Berlin will allow you the opportunity to explore its history, and to experience authentic German cuisine at some of its marvelous restaurants and cafés.

For a look at modern Germany, your honeymoon in Germany should take you to Frankfurt, the country’s financial capital. Frankfurt has a cosmopolitan atmosphere that you expect from one of the great cities of Europe, and if you arrive in Frankfurt by train, you will be struck by the city’s multiculturalism. You will find Frankfurt’s remarkable museums along the south bank of the Main River, and can get a look at the city’s beginnings with a walking tour of the Romerberg, Frankfurt’s Market Square.

No honeymoon in Germany would reach its romantic potential without some time spent in the Bavarian highlands in the south of the country. The Bavarian forest is Europe’s largest mountain forest, and it is within a day’s drive of Munich.

Medieval Germany survives in the towns of Heidelberg and Marksburg. Heidelberg is the site of one of Europe’s greatest universities, and Marksburg, on the Rhine River south of Koblenz`, is the site of Marksburg Castle. The only surviving medieval castle along the Rhine, black-and-white Marksburg Castle now houses a museum with a marvelous authentic medieval interior.

Romance, history, and magnificent natural surroundings are what will make your honeymoon in Germany an unforgettable beginning to your married life!

Immobilienmakler Heidelberg

Makler Heidelberg

Real Estate Investment Outlook

Although it appears to have been mainly technical factors that triggered the correction in the stock market, inflation concerns have been the major cause for plummeting stock market prices. We have outlined such a scenario of inflation and its impact on real estate investments.

Indeed, the difference between current and trend economic growth is moving close to zero, rising labor demand is putting upward pressure on wages and salaries, but it is still far from a strong acceleration in inflation rates. Meanwhile, the recommendation by the US Department of Commerce in its investigation to restrict aluminum and steel imports on national security grounds is a reminder that the risk of escalating trade tension has a significant impact on real estate investments.

We are not suggesting that the probabilities of risks have risen substantially in light of these events. However, we argue that higher volatility combined with uncertainties about the future uncertain outlook for US trade policy is not an environment where we should risk everything on one endeavor, but rather seek returns by pursuing opportunities in the real estate market.

It would be more than natural that unjustified price appreciations will be corrected over time. Some observers believe that rising inflation may have played a prominent role in the recent stock market sell-off. However, higher inflation points to an overheating economy and rising wages could lower profit margins. Neither case obviously applies at the current time. However, historical evidence shows that periods when inflation begins to rise often create volatility in real estate markets and, on average, returns are meager. Finally yet importantly, higher interest rates could hit real estate prices if they reflect rising risk. Higher interest rates should be less relevant if they result from higher growth.

For now, we expect the implications of rising interest rates on the real estate outlook to be limited. A more persistent significant decline in real estate prices could, however, be associated with somewhat slower growth, either because the economy anticipates a slowdown, or because economic decline itself dampens growth.

The impact of rising interest rates on growth also depends on the factors that pushed up interest rates. The rise in interest rates could be the consequence of stronger growth momentum, in which case the economic fallout is understandably limited. However, if higher interest rates reflect rising risks, for instance, then growth may well suffer more significantly. Financial conditions remain very loose and interest rates relatively low. This should continue to support economic growth.

Therefore, we are keeping our scenario of sustained economic growth: (1) higher world economic activity, (2) rising fixed capital formation, (3) a very gradual adjustment of monetary policy in the US. We acknowledge the risks from higher protectionism, as recent announcements are a reminder that trade frictions could escalate significantly. At this point, it remains to be seen what action the US will take and how other countries may respond.

Since the beginning of the Great Recession in 2008, most have averted the specter of deflation by deploying conventional and – even more importantly – unconventional measures of monetary policy. Inflation in the US averaged around 1.5%, with a dispersion of -2% in mid 2009 to approximately 3.8% in late 2011. Currently, US consumer price inflation stands at 2.1%.

In the US, the government is embarking on a path of fiscal stimulus, and more trade tariffs and trade friction may push inflation higher. However, several factors are keeping underlying inflationary pressure contained for now, including still-cautious wage bargaining behavior by households, price setting by firms and compositional changes in the labor market. In addition, the recent readings have likely overstated current price trends,( the surprising weakness in inflation in 2017). Outside the US, wage and price trends have not changed much in recent months.

Against this backdrop, we do not foresee any surprises over the course of 2018. The Fed is expected to gradually lift rates with caution depending on the tightness of the US labor market, the evidence of accelerating wage dynamics and the potential impact of higher financial market volatility on economic growth.

In addition, a tax policy that fosters the competitiveness of Corporate America and attracts direct foreign investments, helping to raise the potential growth rate of US, should also be supportive for the greenback. At the same time, there are as many factors pointing to a glorious future for real estate markets

According to the Federal Reserve Bank of New York, the current probability of recession for the US economy stands at around 4%, moving to approximately 10% at the end of 2018. In our view, the gradual tightening of monetary policy, limited inflation expectations and cautious investment demand, will keep real interest rates relatively low. Therefore, we prefer real estate investments in 2018.

Immobilienmakler Heidelberg

Makler Heidelberg

Sell Commercial Real Estate Notes

Selling commercial real estate notes allows you to convert small monthly payments into an immediate lump sum of cash. A commercial real estate note is simply a loan document signed when you financed the sale of your investment property. Commercial real estate notes are available for office, retail and industrial establishments.

Commercial real estate note selling is based on certain fixed standards. The outstanding balance amount and the period of time are important for most buyers. Second in importance is the value of the property. People generally sell part of their commercial real estate notes instead of selling them as a whole. Partial sales are more profitable in most cases.

When a business involving real estate is sold, two notes are generally created, one each for the business and the real estate. The business note is similar to private mortgages and trust deeds, but it is not secured by real estate. A business note is generated when a person sells a business and decides to carry on the financing and collect regular payments from the new business owner.

A potential seller can sell commercial real estate notes as a whole, or a part of them. The best way to sell commercial real estate notes is to browse websites that display real estate note listings. Visitors to these websites range from individual buyers to companies and financial institutions. The chances of getting a better deal are very high. Real estate brokers are the natural source for selling commercial real estate notes. They can assist you in finding an ideal buyer. Advertising in local newspapers and real estate magazines also helps you sell commercial real estate notes.

Immobilienmakler Heidelberg

Makler Heidelberg

Tips to Hire a Commercial Real Estate Agent

If you don’t want to handle your relocation project or commercial lease renewal yourself, you can go to a commercial real estate agent. All you have to do is choose the right professional for your needs. Given below are 6 things you may want to consider during your evaluation. Read on.

Likability

A relocation or lease renewal is similar to a construction project. The difference is that it takes a bit longer than expected. So, it’s a good idea to go with someone who you like. This way you will enjoy throughout your journey and the process of negotiation may also go well.

Trust

Make sure the professional agent that you are going to hire can be trusted. It may be difficult to find out who can be trusted but it can be done during the interview. By asking a few relevant questions during the interview, you can get a pretty good idea as if they are trustworthy or not.

Conflicts of Interest

What does a conflict occurs? Actually, the conflict may occur when you go with an agent who already is a representative of many property owners in the same area. Now, the agent wants to serve you despite that the fact that they have given their word to the property owners that they will find a way to earn them the highest rate of rent possible. So, you may want to get a clear idea of the conflict severity and its importance for you.

Experience

Experience of the agent is of utmost importance as far as choosing the best professional is concerned. Ideally, it’s a good idea to go with a commercial real estate agent who has over 10 years of experience in the field. Their grey hair may be a sign that they have been in this business for years. You can ask about their experience during the interview.

Age

Age of the professional should not be taken as an evidence of their experience in the field. The million dollar question is how long have they been actively involved in the business. You need to keep in mind that commercial real estate is on the list of those businesses that people do part time. So, make sure you choose a professional who has been working full time as an agent. What matters is experience not the age of the agent. After all, age is just a number.

Specialization

Typically agents specialize in two ways. They can do it by industry vertical or location. As far as importance is concerned, location specialization carries more weight. An agent with location specialization has a pretty good idea of what is happening in the market. They know about the best deals and best property owners. Aside from this, their negotiation style is pretty impressive.

Long story short, if you have been thinking of hiring the services of the best commercial real estate agent, we suggest that you take these factors into consideration. This will help you choose the best service provider.

Immobilienmakler Heidelberg

Makler Heidelberg

Best Accredited Schools for Sonography Students in and Near Indianapolis, Indiana

The Midwestern city of Indianapolis is the capital of Indiana and home of the world famous Indianapolis 500 auto race held at the Indianapolis Motor Speedway. This is also a city that is home to four major healthcare systems, a set of smaller medical facilities and the Indiana University Medical Center. There is a well-developed system of hospitals, clinics, physician offices and research facilities offering excellent employment opportunities for Diagnostic Medical Sonographer professionals and networking opportunities for students.

Sonography Education in Indianapolis, Indiana

As of 2014 there are almost 49,000 students attending a number of colleges and universities in Indianapolis, including Indiana University-Purdue University-Indianapolis, Ivey Tech Community College-Central Indiana, and Butler University. Students ready to pursue an educational track will find two programs accredited by CAAHEP in Indiana and both are less than 200 miles from Indianapolis. The best programs accessible to Indianapolis students offer a choice of earning an Associate degree in Diagnostic Medical Sonography with a cardiac concentration or a Bachelor’s degree in Diagnostic Medical Sonography with a general concentration or a specialization concentration in cardiac or vascular sonography.

There are also accredited sonography schools in nearby cities, but outside of Indiana. A CAAHEP accredited program closer to Indianapolis is in Louisville, Kentucky, approximately 115 miles away, and offers students the opportunity to earn an Associate degree in Diagnostic Medical Sonography with a general or vascular concentration. Attending a CAAHEP accredited program is important, even if it requires commuting, because they have been reviewed for the quality of their requirements and how well the coursework and clinical training prepares students to take the ARDMS exams. Financial assistance is available in the form of federal and state student loans, but sonography scholarships are ideal because they do not have to be repaid.

Salary and Job Outlook for Diagnostic Medical Sonographers in Indianapolis, Indiana

The median annual salary for ultrasound technicians in the federally designated Indianapolis-Carmel, IN metropolitan/nonmetropolitan area is $65,760. That salary equates to $31.61 per hour. The figures are remarkably close to the national averages for this profession at median annual wages of $65,860 or $31.66 per hour. The employment outlook is excellent as Indianapolis can expect to meet or exceed the state projected growth of 40 percent for the period 2010 through 2020 since the largest health systems in the state are located in this city. Program graduates can usually get assistance from their school when ready to identify potential ultrasound jobs.

A List of Best Schools for Diagnostic Medical Sonography Study in or Near Indianapolis, Indiana

School Name: Franciscan St. Anthony Health

Address: 1201 South Main Street, Crown Point, IN – 46307

State: Indiana

Contact Person: Tracy Bult AAS, RCS

Contact Phone: (219) 757-6132

Program: Associate Degree

Accreditation: CAAHEP Accredited

School Name: University of Southern Indiana

Address: 8600 University Blvd., Evansville, IN – 47712

State: Indiana

Contact Person: Claudine Fairchild MS, RT, RDMS

Contact Phone: (812) 464-1994

Program: Bachelor Degree

Accreditation: CAAHEP Accredited

School Name: Cincinnati State Technical Community College

Address: 3520 Central Parkway, Cincinnati 45223

State: Ohio

Contact Person: Jackie Turner

Contact Phone: (513)569-1421

Program: Certificate, Associates Degree

Accreditation: CAAHEP

School Name: Kettering College of Medical Arts

Address: 3737 Southern Blvd, Kettering 45429

City: Kettering

State: Ohio

Contact Person: Susan McLaughlin Price

Contact Phone: (937)298-3399 x 55656

Program: Bachelors Degree

Accreditation: CAAHEP Accredited and ARRT Recognized

School Name: Central Ohio Technical College

Address: 1179 University Drive, Newark 43055

State: Ohio

Contact Person: Melinda Shoen

Contact Phone: (740)755-7713

Program: Associates Degree

Accreditation: CAAHEP

School Name: Marion Technical College

Address: 1467 Mount Vernon Ave, Marion 43302

State: Ohio

Contact Person: Debra Myers

Contact Phone: (740)389-4636

Accreditation: CAAHEP Accredited and ARRT Recognized

School Name: Jefferson Community and Technical College-Louisville

Address: 800 W. Chestnut St, Louisville, KY – 40203

State: Kentucky

Contact Person: Becky Stevens

Contact Phone: (502)213-4502

Program: Associates Degree

Accreditation: CAAHEP Accredited and ARRT Recognized

School Name: Northwestern Memorial Hospital

Address: 541 North Fairbanks Court, Suite 950, Chicago 60611

State: Illinois

Contact Person: Casey Clarke

Contact Phone: (312)926-1196

Program: Certificate

Accreditation: CAAHEP

School Name: Rush University

Address: 600 S. Paulina, Suite 1019A, Chicago 60612

State: Illinois

Contact Person: Eileen French-Sherry

Contact Phone: (312)942-7286

Program: Baccalaureate Degree

Accreditation: CAAHEP

Immobilienmakler Heidelberg

Makler Heidelberg

5 Real Estate Marketing Options

Selling a house usually comes, as a result of a combination of curb appeal, location, pricing, marketing, negotiations, and a few other factors. This article will concentrate briefly, on some of the options, in terns of how houses might be marketed, why one might be better than another (in certain circumstances), cost factors, effectiveness, and usage. There is no such thing as only one way to market and sell a house. Years ago, real estate agents were heavily dependent upon newspaper advertising, and that’s where most prospective buyers looked for information. In today’s information – driven, digital society, much more data is readily available, and while there is still a place for newspaper advertising, it is not the premier way, most of the time. Let’s review 5 marketing options.

1. Direct verbal: This includes face – to – face, telephone calls, contacting a Realtor’s personal contacts, etc. The advantages include cost, and the ability to effectively communicate, articulate the home’s strengths and possibilities, and motivate individuals, to take a look. The disadvantage is, it’s time – consuming, and somewhat limiting!

2. Direct marketing: Some of these include using postcards, flyers, door hangers, for – sale signs, Open House signs, etc. Mailings have become somewhat costly, especially when you consider the relatively low transaction rate, but is often a good supplement, and a positive way to get the message out.

3. Print media: Print media includes newspapers, magazines, weekly circulars, and direct – to – home marketing pieces. These approaches may be somewhat expensive, and surveys indicate most of today’s buyers pay less and less attention to these, than in the past!

4. Digital (websites): When we ask attendees at Open Houses, how they heard about it, the predominant response is from some website. Many use MLS, Trulia, Zillow, realtor.com, or a larger agency’s own site. When listings are placed on Multiple Listing Service, many other Websites pick up the information, and include it on their sites, as well. There is a cost to this approach, but is probably the most bang – for – the – buck, in terms of marketing real estate, today!

5. Social Media: Social Media includes things like Facebook, Twitter, LinkedIn, Pinterest, etc. The advantage is low or no cost, but there is still quite a bit of uncertainty, as to their effectiveness as a marketing tool, to sell a particular house.

The bottom line is, a real estate agent must know, understand, and use the best marketing tools available, to sell a particular house. Dependent on type, price, niche, location, etc, the options often vary.

Immobilienmakler Heidelberg

Makler Heidelberg

What to Look For When Searching for Foreclosed Homes for Sale Online

Thousands of homes go into foreclosure in the United States every single year, which means that there is currently a fairly healthy market for those who want to purchase such properties, either with a view to living in them and to sell them on for a profit at a later date.

Before you can get started on that though, you are going to need to know where to look and what you should be looking for before you commit any of your cash to a sale. Here we offer some advice on buying foreclosed homes using the internet.

Look To The Banks

Your first port of call should be the websites of larger banks. As many of them act as loan providers for the people who previously owned the home, they will also have an interest in getting the home sold again once it has been foreclosed on.

As such, many institutions, like Bank of America, maintain their own property listings that highlight homes that are currently available for purchase. This also acts as one of the more reliable places to look, as you will be getting the property straight from the people who foreclosed on it, rather than having to go through a third party to find out about it. Further properties can also be found on the Fannie Mae and Freddie Mac websites.

The Stage Of Foreclosure

If you are looking for a sure thing out of your purchase then it may be wise to avoid any properties that are in the early stages of foreclosure. After all, it is entirely possible that the current owners may be able to pull themselves out of the fire and raise enough funds to keep the property.

As such, you should always check the status of any property that catches you eye, so that you can be sure that it is completely available. Few things are worse for a property buyer than setting your heart on something, only to have the purchase fall through at the last minute.

The Price

This should be an obvious point, but it is still one that bears repeating nonetheless. After all, any property that is in foreclosure is there because somebody was unable to afford the costs associated with that house.

Make sure that the price listed from the property is within your budget before you even think about putting a bid in. It may be worth avoiding the property altogether if the price reaches the upper limits of what you can afford, as any such properties will require some extra work on them after purchase. Speaking of which…

Find Out What’s Wrong

Very few properties are perfect and you are well within your rights to have an inspection carried out on any foreclosed property that catches your eye. Don’t simply trust the online listings that you read and keep an eye out for any suspicious language that is being used. If it seems like too many potential negatives are being spun into positives, then this is likely the case. If nothing else, such a situation will work to your advantage come time for negotiations.

Immobilienmakler Heidelberg

Makler Heidelberg

Choosing How to Search for Condos for Sale Makes a Big Difference on What Is Found

When someone is buying any kind of real estate, they are going to want to make sure that they have a good selection to pick from. Nobody is going to want to buy the very first piece of property that they come across. Searching for condos for sale is no different than searching for any other kind of real estate other than the location.

A realtor is able to show buyers the ones that are listed for sale. They may be looking for ones in a certain area. The only difference with condos is that they may not be built yet when they are being sold.

There are many companies that are selling them before they are built. The buyer is able to customize some of the features that these have. There are a lot of different types of things that can vary from one condo to another.

The general design is going to stay the same though. This is something that includes the actual layout of the condo. As far as paint colors, flooring and appliances, these can be chosen by the person that purchases that condo.

This can affect the price of them, but they will have what they want to have instead of settling for something that someone else designed for them. They will have a brand new place to live and be the first ones to live there too. This can be exciting to a lot of people.

There are many different choices that people will choose when they are buying a condo. The size of them are going to be very important too. They have many different things that need to be perfect for the buyer.

The location is another thing that people have to consider. They need to have a lot of different choices for every one of them. There are many different opportunities that are in each neighborhood, but many times, the location is chosen because of the employment that a person has.

There are a lot of these condos that have heated parking garages and more also. This is something that can be very beneficial in some areas. The garbage removal is also an added benefit to living in these communities.

Every place is going to offer something different for the tenants. The landscaping that is done can be enjoyed by everyone that lives there too. The grounds are maintained by the facilities too.

There are several other things that can be enjoyed by everyone too. Some of them will have shared pools and other activities. The location will determine how much they have in each of the communities.

When someone is choosing which condos that they want to look at, they will often choose ones that offer the most convenience for them as well as the most amenities that they can take advantage of. They will also look at the location as a benefit or not. There are a lot of things that are important to people when they are searching for a place to live.

Everybody has a different preference of what they like to have the best. They have many different things that are going to be beneficial to living in one of these communities, but also have many things that may make a person feel constricted on what they can and cannot do. Everybody has something different that they like and want to have in their living arrangements.

There are many different sizes and types of condos for sale all around the world. Finding the best suited one for the person that will be buying is going to be a task though. There are a lot of options that are available, but not everyone likes all of those features.

Immobilienmakler Heidelberg

Makler Heidelberg

The Best Way to Find Vacant Houses For Sale

Finding vacant properties is often much more difficult than it would first appear to be, as said homes generally don’t have an owner who can be contacted in relationship to making a sale. This may be because the house is a new build, but in some cases the house may have ended up being abandoned for whatever reason.

However, if you are interested in buying a vacant property, there are still a number of different avenues that you can consider exploring to find them.

Ask A Real Estate Agent

Your first step should be to contact a property industry professional to get their take on the situation. Many will not maintain a full database of vacant properties in the same way that they maintain one for properties that are for sale, but they may be able to point you in the right direction in regards to who you would need to speak to in your particular state.

You may even get lucky and find an agent who specialises in this form of property sale, though those are fairly rare and will often cost a pretty penny if you want them to search for you.

Find The Owner

In some cases a vacant home will still have an owner and has simply been abandoned for one reason or another. In these cases you may find that the owner is a very active seller – if you can find them in time.

The key here is getting any new address details, if they exist. You can try speaking to neighbours or leaving a note at the house in case the owners return, but you can also check tax records to see if they filed a new address. You can even try sending a postcard to the house you are interested in, with a written message stating „Do not forward – address correction requested“, which the post office will return with new address information, if they have it.

Driving Around

Vacant houses often have a certain feel to them that people can detect when they pass by. Overgrown gardens and a slight eeriness are commonly reported and can be tell-tale signs that nobody is in the house.

As such, if you are trying to find a vacant property then it could be a good idea to simply drive around a couple of different areas every day to look for the signs that a house no longer has an owner. You can then start looking into ways to buy it.

Speak To Postal Carriers

As invasive as it might sound, there are few people who know the state of a property better than the people who deliver mail to it.

Try to arrange a conversation with the mailmen and women who deliver to a particular neighbourhood and ask them, politely, if they are aware of any properties that don’t appear to be housing anyone at the moment. If you’re lucky they may just give you the information you are looking for, allowing you to start looking into ways of acquiring it.

Immobilienmakler Heidelberg

Makler Heidelberg

Should I Buy a Home In 2008?

Dreadful information about the slumping American housing market is all over TV news and in almost every paper. During this housing slump many potential first time home buyers often wonder, should i buy a house in 2008? While every persons situation is different the next few paragraphs will hopefully help you decide whether or not to buy a house in 2008

It is a fact that property values across north America have dropped, in some areas they have dropped drastically and others its just a slight dip. Buying a home when prices are at the lowest is the best way for buyers to get the most for their money, and many people are now taking advantage of the lower home prices.

The major factor for most people when buying a home is securing a affordable mortgage to purchase the home with. In today’s current market mortgage rates have also fallen to very low levels making financing a new home more affordable then one year ago. When low mortgage rates are combined with reduced asking prices your money suddenly is able to buy you much more home then you previously thought possible!

The only real roadblock to buying a home in 2008 is going to be actually qualifying for a mortgage. Even though mortgage rates are low the lenders have tightened up their lending guidelines since the housing slump began. Since many borrowers need 100% financing it makes things that much more difficult. To deal with stricter lending guidelines borrowers are going to need excellent credit or have down payments in the range of five to twenty percent to secure home financing.

With property values falling and mortgage rates at very low levels 2008 is a great time to buy a new home. Not only is there more selection on the market but you will also be buying when prices are low so when the next real estate boom starts you will make substantial money on your investment.

Immobilienmakler Heidelberg

Makler Heidelberg