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Wednesday, September 5, 2007
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   Wednesday, September 5, 2007

Top 7 Reasons to FIND Your Business Vendors By Referral
We all have, and have heard the horror stories, “I found a __________ (Realtor, Mortgage Broker, Inspector, Insurance Agent, Inspector, Plumber, etc…) and he/she was so inept that the experience was AWFUL! Best case, the situations end with a lot of frustration. Worst case, working with a poor business-person can cost a lot of money. As a small business owner, I always ask two questions: 1) What did they do wrong? (Everyone always has LOTS to say about this) & 2) How did you find this person’s services? More often than not, my friend telling the “bad experience” story found the “bad businessperson” through traditional advertising – not through referral. These are the 7 Top Reasons why you should always find your business vendors by referral.
1) They have proven themselves.
When someone is “referred in” to your business, that person has already done business with a friend or colleague. The vendor from the phone book is like a box of chocolates. With a referred businessperson, you KNOW that they have performed in the past, and they are more likely to perform in the future. This track record is important when choosing your vendor.
2) They have something to lose.
Namely, the referrals of your friend! Your referred vendor appreciates and protects every person who values their services and continues to support their good business practices. Unlike the “phone book vendor,” who does their business from phone call to phone call, the referral businessperson won’t “bite the hand that feeds them” and embarrass the referral source who gave them your business.
3) They have something to gain.
The businessperson who chooses to do their business by referral is always seeking more referrals. In order to gain this referral business, they must build professional relationships – the core of which is solid work. When a vendor approaches work with the mindset of “growing their business by referral” the consumer will always receive quality service.
4) They have more time for you.
The average small business owner spends 85% of their time prospecting for new business. This seems completely backwards to most people – but finding business is the hardest part of small business! The successful businessperson who has built their business by referral has the luxury of a constant stream of incoming business – and is therefore able to spend more quality time with their customers.
5) They are more pleasant to work with.
Type A personalities typically excel at gaining their business by referral – they are the quintessential “people people” who love and need constant interaction. Even if your referral vendor isn’t the stereotypical “Type A” they will still, more than likely, be a pleasant person to do business with – after all, it takes a little more than good work to continue to receive business referrals. Your friend or colleague got along with this vendor – you probably will, as well!
6) They are more professional.
Referral businesspeople look at a new business transaction as a way to build a new relationship. The “phone book vendor” looks at a new business transaction as an order that needs to be filled. The referral businessperson will conduct themselves in a manner they expect will result in future business from you, and your friends and colleagues.
7) They will return the favor.
Referral businesspeople know the value of referrals and tend to only do business this way. If you truly “click” with your referral vendor, and put them in your catalogue of people to refer to, the chances are that they will return the favor. In doing so, you will build your own sphere of influence, and your own business.
Doing business by referral is a much more pleasant and effective way of filling your needs, and your customers’ needs. Referral businesspeople tend to be much more pleasant, professional, and effective than vendors who solely advertise by traditional means. The referral businessperson values your business, and the business of your friends and colleagues, and will make sure that you are satisfied with their services. By looking to your friends, family, and colleagues, rather than to the phone book, you will almost always have a pleasant experience!


Property Glossary ( UK )
Glossary Of Property Terms
Acceptance

When you are offered and accept a mortgage offer from a lender this is what you need to sign and return.
APR
Stands for 'Annual Percentage Rate' relating to interest on a loan
Applicant
The term used by an estate agent to refer to you when you are a potential buyer of a property.
Appraisal
When selling your house an estate agent will 'appraise' your property to determine a current value for it.
Arrangement Fee
Some lenders may ask for this fee for providing or 'arranging' a loan
Assignment
The transfer of ownership from one person to another. For example if you buy a leasehold property ownership is 'assigned' to you via the contract.
Base Rate
This is the lowest rate of interest a bank will charge when it lends you money and is used as a benchmark to set interest rates for borrowers. This rate set by the Bank of England and is reviewed several times a year. Lenders will charge borrowers a margin above the base rate.
Bridging Finance/Loan
You may need 'Bridging Finance' if you are buying a new property before selling your current house. This is to 'bridge' the gap before you have sold your property so as to complete the buying process of your new property before selling your existing home.
Broker
This is a person who advises on mortgages and loans, known as a 'mortgage broker'
Capped Rate
The maximum set interest rate you will pay on a mortgage for a set period of time. This means that the interest rate cannot go higher than the capped rate during the specified time period, usually the first few years of the loan.
Chain
This refers to a sequence of buyers and sellers. Most people who sell their homes are also buying at the same time. There can be a 'chain' of several buyers and sellers, each dependent on each other for the sale and purchase of their new homes. If one buyer or seller drops out the whole chain may collapse, leading to a domino effect where the paperwork for several properties is delayed or cancelled altogether.
Chain Free
This is when the owner of property doesn't need to sell the property in order to buy another, thus it is offered chain free.
Collateral
Your house is 'Collateral' when used as a guarantee you will repay a loan to your lender. If you do not keep up with repayment your house could be sold by the lender to get back the money they have loaned you.
Completion
This is the final stage of the property buying process - when the agreed sale price has been paid by the buyer to the seller. Legal ownership has been transferred from the seller to the buyer of the property.
Contents Insurance
This insurance is taken out to cover/protect personal belongings that are in your home.
Contract
This is the agreement that once signed by the buyer and seller binds both parties to the sale and purchase of the property.
Conversion
This can refer to a property that has had the loft converted into a room, or a house that has been converted into flats.
Conveyancing
The name of the legal process that transfers property ownership from the seller to the buyer.
Covenant
A requirement by law on the owner of a property to either do or not do something with their property.
CAM
Stands for Current Account Mortgage
CCJ
This stands for County Court Judgement. If you have a judgement against you for defaulting on a debt it may mean you are turned down for future loans or pay a higher interest rate.
Deeds
The legal documents regarding a property.
Default
This is a term used when you do not do as you agreed, eg. failing to make a mortgage payment. If you fail to make mortgage payments (or default), your home could be repossessed.
Delayed Completion
Typically completion takes less than 28 days after the exchange of contracts. If it takes place after 28 days then it is called 'delayed completion'
Deposit
In terms of mortgages a deposit is the initial lump sum payment the buyer contributes towards the total purchase price of the property.
Disbursements
This is another word for the legal costs involved with purchasing a property.
Discounted Rate
This type of mortgage has an interest rate lower than the lender's Standard Variable Rate (SVR).
Early Repayment Charge
This is a charge or 'fee' payable if you pay part or all of your mortgage off earlier than agreed. This is used to compensate the lender for interest that would have been paid if the mortgage had run for the full time period agreed.
Equitable Interest
When a person has some legal rights to a property but not including sale of the property.
Equity
This is what you actually own - it is the difference between the market value of your property and the amount of the loan you still owe to the lender.
Exchange of Contracts
This is the point at which the buyer and seller are legally bound to complete the sale.
Execution Only
A service with no advice, just carry out the orders of a customer.
Fixed Rate Mortgage
A mortgage which has a 'fixed' rate of interest for a set period of time.
Fixtures and Fittings
These are items in a house that are included in the sale. For example lighting fixtures, carpets and so on - these should be agreed / confirmed before a sale.
Flexible Mortgage
As the name suggests this mortgage is flexible in terms of how you pay the loan back. An example could be that it allows you to make overpayments or pay off your mortgage early.
Freehold
Complete ownership of a piece of land and the property that is on it.
Gazumping
This is when a vendor (seller) accepts an offer but later rejects it to accept a higher offer by another buyer.
Gazundering
This is the opposite of gazumping - when the buyer threatens to pull out just before the exchange of contracts if the price is not reduced.
Gearing
Using loaned funds to progress investments. For example, buying a house with a small deposit and the rest with a mortgage and then selling the property on at a higher price, making a profit.
Ground Rent
This is rent paid annually by the leaseholder of a property to the owner of the freehold. Usually it is paid to the owners of the land on which the property/properties are built.
Guarantor
A person who agrees to guarantee that they will pay a debt or loan if you default on payment.
Home Information Pack ( HIP )
Also known as a 'Sellers Pack' this will be a mandatory Survey from the 1st of June 2007 to be produced by a home owner or selling agents via a home inspector before a property can be put on the open market. The aim is to help improve the process of buying and selling a home, it is part of the conveyancing process and will include detailed information about a property.
IFA
Independent Financial Adviser
Instruction
This is when you give an estate agent 'Instructions' or the right to sell or let your property.
Joint / Multiple Agency
This is when you instruct more than one estate agent to market your property.
Land Certificate
The certificate that proves ownership of land issued by the land registry.
Land Registry
A government office that stores records of land ownership and any charges like a mortgage.
Lease
A legal document detailing an agreement made between a freeholder and those occupying their property for a specified period of time. It lists all the conditions which the leaseholder must abide by and what the landlord's responsibilities are.
Leasehold
Land or property is 'leasehold' when the owner has to pay the freeholder an annual sum of money.
Lender
A person or company that lends money for an agreed time period. They expect to have the money repaid back with interest added - your mortgage company is a lender.
LTV
Loan To Value
Maintenance Charge
A landlord charges for the annual maintenance of a property which should be agreed in your contract. This includes keeping the outside of the property in good order and gardening services in communal areas.
MIG
Mortgage Indemnity Guarantee - an insurance premium some lenders may need you to take out on certain mortgages.
Mortgage
Money borrowed from a lender to buy a property. The borrower agrees to use his or her property as security against it until the loan is paid back.
Mortgage Deed
A document which has the details of a mortgage arrangement.
Mortgage Offer
An offer from a lender which details the terms and conditions of a loan.
Mortgagor
The individual who is borrowing money for the purpose of buying a property.
Negative Equity
When you owe more than the market value of your property, or have paid or are paying back more than a property is worth.
Offer
An offer, usually below the asking price, you make on a property.
OMV
Open Market Value - the value a property can achieve when there is a willing buyer and seller.
Redemption
This is the moment when you pay off your mortgage
Registered Land
Land including any property on it that is registered with the land registry.
Right Of Way
The legal access to a piece of property so as to access your own property.
ROI
Return On Investment - how much you get out of what you put in.
Searches
The process of finding out if there are any unwanted effects now or planned for the future on a property.
Sole Agency
When a single (sole) estate agent has been given the right to sell or let a property.
Stamp Duty
Tax paid to the government on the purchase price of property.
Subject To Contract
The point at which both parties are free to pull out of an agreement before exchange of contracts.
Survey
A survey is the report produced by a building surveyor for the purpose of determining the value of the property and if it is structurally sound.
Tenant
A person or persons (can be a company or organisation) who is entitled to occupy a property under the terms and conditions of a tenancy agreement.
Tenure
The type of ownership of a property such as Freehold or Leasehold
Title
The legal right to ownership of a property.
Title Deeds
A Document that shows ownership of a property.
Under Offer
When a property has had an offer accepted but contracts have not been exchanged.
Valuation
A service by an estate agent or independent expert to determine the value of a property in the current market.
Vendor
The person who is selling a property.

This is meant as a general guide and should not be seen as legal advice.
Found on www.EstateAgents123.com


Chandigarh- Your home, your destination
Chandigarh is emerging as the fastest developing suburb for your real estate needs .It has come alive again. Long after Chandigarh was designed by the architect of repute Le Carbusier; it is now making waves as a real estate destination. The vicinity of townships like Baddi in Himachal Pradesh, which is now thrown open to non-domiciled non-Himachalis has added fuel to the hot real estate market in and around Chandigarh.
The city as envisaged by its principle architect and later developed by others on the vision is widely known for its planned parking areas, lush green gardens, parks, well-laid out roads, being blessed with picnic spots, famous and popular hangouts like Rock Garden, Rose Garden, Sukhna Lake, Museums, art Galleries and many more attractions.
Identified as India's fastest growing city in Northern India real estate buyers from all over north in particular and the whole country in general are thronging the city in hordes. The city now is poised to expand in all its directions given the fact that the second phase of real estate development is not limited to jus the city limits.
There are all classes of buyers – those who would go for a moderate dwelling like a flat or an apartment or those who aspire to own their dream property in Chandigarh in this self-sufficient suburb.
You can thus go for a housing unit for as little as Rs 12, 00,000 or a property worth any money; sky is the limit. And there are loans available too. You just do not need to pay up upfront. A steady job is all the banks need before they get you property that you can afford.
If you are not among the lucky ones who could not make it to any of metropolises, you can think to buy home in Chandigarh and around. Those who could not own one can think of buying office space in Chandigarh.
It’s a sellers’ market out here, and mind you only for sometime and every one has a home for sale in Chandigarh.
About author
By Suraj Kumar Singh is an associated editor to the website http://www.indianground.com .Indian Ground is dedicated to explain all your related queries for buying residential properties with the latest news updates on commercial properties in India. Your feedback will be highly appreciated at "kumarsingh.suraj@gmail.com”.