Month: September 2018
Contingent on who you question, you will find varying viewpoints on when and how the Canadian housing market will cool down from its recent meteoric climb. For instance, TD Bank economist Pascal Gauthier bluntly stated in an interview with “Globe and Mail” this month that even though housing prices will carry on increasing by 9% over the 2009 figures until the middle of 2011, they will then sharply fall — possibly as low as 2.7 percent. But economist Sal Guatieri of BMO Capital Markets is somewhat hopeful, telling “The Montreal Gazette” that the overvaluation that resulted in the real estate bubble will just affect large cities, and should not bring about the kind of nationwide collapse anticipated in the US market. However they both agree that the Canadian housing sector will need to cool down, but just how soon it will take place and how quickly it will fall is the question still up for debate.
Guatieri indicated that the price for a family residence should be “about four or five times income,” however the current market in Toronto and Vancouver is closing in around $700,000, which averages 10 times the earnings of the home owner. Even though TD Bank had at first forecast 1.6% gains in 2011, this kind of real estate hyper inflation in the middle of economic recovery has in fact compromised the market, and they are already seeing the signs of cooling this year derived from the surge of new housing starts and new listings. places like Mississauga are still seeing an escalation in new Mississauga condominiums but sales could start to cool.
In their discussion with “The Vancouver Sun,” TD admitted that their forecasts have been off in the past, because their late 2009 forecast did not anticipate the rise in first quarter sales for that year that was an unpredicted “move by buyers and sellers to pre-empt regulatory and interest-rate changes”. The looming harmonized sales tax due to take effect in July in Ontario and British Columbia definitely impacted markets in those provinces. In expectation of this July time limit, the Bank of Canada has now declared its intention to lift their overnight target rate by July to counterbalance the recent record breaking low rate of 0.25 percent. Higher borrowing costs should act on cottage country with deduced values for places such as Wasaga Beach real estate and this could constitute an opportunity for buyers.
As family incomes catch up with the level of inflation — a whopping 8 percent over the past 8 years — TD predicts that overvalued housing prices will continue to fall from 15 to 10 percent by the end of next year. This is bolstered by a decline in MLS sales, that as well includes Toronto MLS listings, over the last 6 months that the Canadian Real Estate Association has observed. But everyone can spot signs that the whole housing market has been affected by the high percentage of boosted values in the cities — how far this influence will spread is the primary question.
Gauthier describes his forecasts are a consequence of the “stronger supply response,” and that the “market balance is now expected to be somewhat softer next year, consistent with market conditions more favourable to potential buyers and a mild depreciation in home values”. But Guatieri thinks the approaching slow down period does not automatically mean that housing prices will indeed fall, however predicts it as a gentle adjustment after the recent surge. One fact both Guatieri and Gauthier do foresee on the horizon, though, is that regardless of when it strikes, the calming trend will not last forever, and inside of 3 years the average real estate price in the country should find a equilibrium and return to its fair market value.
Unemployed individual’s with poor credit score can easily meet their monetary needs with the support of specially fashioned loan packages to cater to their requirements. Fast cash loans for unemployed can be simply availed by pledging a collateral against the loan with the lending institution. If the borrower is hesitating in offering collateral security then he can simply opt for the unsecured loan, under which all the terms and conditions are much more simpler. However, for higher loan amounts offering a security in the form of land, house or even jewelery are a must.
There are particular point of time in life which desires heavy monetary involvement, may it be purchasing a new home, vehicle, home improvisation bills, medical bills, utility bills, shopping bills, wedding arrangement or education fees which includes admission fees or even examination fees. All such requirements will no more remain unanswered! One can simply make their dreams come true by getting these financing choices despite being a non worker and having a poor credit ranking. Borrowing loan through particular schemes for unemployed individual’s with poor credit makes real sense as these loans are readily feasible and can be used for fulfilling varied personal needs as well desires.
The real benefit of these loans for the borrowers are that they can resolve their credit condition as well as arrange finances for personal requirements at the same cost. Loans for non working people with poor credit can be availed through the hassle free mode, online. This makes the complete process quick, simple and short. Also, from the luxury of one’s home, one can easily cross – check the various rates of interest charged by different lending institutions. Borrowers must even understand that the loan market is competitive and the lenders are readily negotiated on the loan terms as well as on the interest rates. However, the borrower’s should first shortlist few lenders with suitable terms and conditions, and then negotiate them one by one to avail the perfect deal.
Fast cash loans brings about another chance for those individual’s who have not been able to manage a good credit score during their past debt repayments. These loan choices are devised to make sure that the youth or the unemployed lot of citizens have monetary choices to explore when they plan to start working or study further to enhance their earning abilities. So, simply avail these loans and get rid from all your financial troubles.
Do you want to know about Grow Taller For Dummies Review? Would you expect to learn more concerning the credibility of Dr Matthew Vern? Or perhaps is Grow Taller For Dummies Scam or authentic product? You will find the answers in this honest review!
How to increase height is probably one of the most daunting questions that many people ask themselves. Height is necessary human attribute that is mostly used as a determining look at apperance. Most people want to advance taller so much so large amounts research has been is still being devoted to see if there are really different ways to increase height even following on from the onset of puberty.
In searching for ways on how to improve height, you ought to think about a few things; first is the genes. If your parents are tall people, you will in all probability turn out the unique way. You might just have to wait for your growth spurt because people cultivate at different rates. Second will oftimes be your age. If you are below 21 years, you still have time for you to let your body naturally do the work for you. If you have not even yet reached puberty, you will find there’s duration of growing ahead of you so do not necessarily fret. However, if you may be way past puberty also, you happen to have quite short parents, you may still find some ways about how to increase height for you personally.
You will discover simple exercises that can be performed at home any time of the day. They are very uncomplicated and low impact maneuvers that now you can do for just some minutes a day.
There are also some products on the market that promises height boost although there were no scientific proof that they work. If you are willing to give them a chance, you can search the net and even home shopping channels because that is where products are usually sold.
There are particular products that claim to be capable of extending the spinal column and giving a small number of centimeters of height increase. Some products aim in order to stimulate production of new hgh way after puberty through hormone therapy together with other procedures.
The best way on how to boost height, while, is still great nourishment in the growing years and supplements through the growth gap years in advance of the onset of puberty. Exercise and sleep also makes sense to promote better growth with kids and adolescents. Parents should be able to properly monitor the nutrition ingestion of their kids and ensure that their kids are aware of the importance of wonderful nutrition. Height increase is more of an investment that should choose the best foundations.
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Within the particular Grow Taller For Dummies method, you will grow taller not just in the spine and also in your neck, hands, hands, legs and base. It is because that advanced program allows the top HGH (Hgh) release that contributes to a well-proportioned growth for your body. It’s likewise the quickest and quite a few efficient second growth spurt formula created specifically for ages 12-60.
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People may feel like adding a balcony to their existing house. It could be due to renovation. A person may also feel like setting up a balcony for taking rest after a tiring days work amidst privacy and serenity. The retired persons can also look at the outside world and observe life in the winter mornings from a balcony.
There are various types of balconies like Glass Balcony and Hung balconies that people like. The choice depends on the economic capacity and setup of the house to a great extent. A lot of people opt for the Cantilevered balconies. These balconies have a protruding appearance but they do not have any support beneath the structure except the fixing to the buildings exterior.
It looks aesthetic for sure but requires more work and planning on the part of the designer of the house. It also imposes bigger point loads on the building. It can not be added to an existing house and pre designing is the only option. There are a number of ways to cantilever a balcony. However, the planners need to consider using a thermal break when using a steel balcony.
To override the problems of the traditional Cantilevered balconies a lot of companies offer the Thermal break balcony joints. A break can also be made by using two pieces of steel balcony connection plates and a high-density polyethylene inserted. The timber joists are a worthy alternative to this approach. As they have very low thermal conductivity they can be cantilevered without much problem.
Concrete is among the widely used structures but it also suffers from thermal conductivity issues. The homeowners need to keep in mind that Cantilevered balconies will have some amount of bounce and movement. This can cause discomfort to the balcony users at times.
The Hung balconies are also sought after these days. This makes use of stainless steel cables that fix the balcony to the wall. The position of the balcony is perpendicular to the building. A steel cable is kept fixed at the balconys edge. It is linked to the building through a large plate. As a matter of fact, the wall fixing makes optimum use of bolt strength since it uses fifty percent pull out and equal amount of shear forces. It seems like an aesthetic solution but is not a common one.
The balcony glazing is also used by some people who want to screen sunlight. The most popular type of balcony is the balconies on pillars or stacked balconies. It is preferred for advantages like reduced load implications on the structure of the building and simplicity of implementation. It is supported by vertical pillars and posts. The weight is transferred to the ground. The weight and size of the balcony determines the dimension of the pillars. While this balcony compromises on the aesthetic part it remains the safest choice. It is also less costly to develop.
What exactly is a commercial property scout? Basically, this is a person who is on the look out for ‘promising’ real estate. The process looks like this:
1. You learn the techniques from the Property Scout Training Manual.
2. Then, you search through local ads and observe the real-estate developments in the neighborhood.
3. When you see something that looks like a business opportunity, you contact the investors.
4. They assess whether the real estate meets their criteria.
5. If it does, they make an offer to the owner.
6. If the owner agrees to the offer, the investors buy the property in question
7. The same real estate is later on sold at a higher price
8. The property scout gets the share of the profit
There are several ways a property scout is paid. How you get paid, depends on the timing of the payment. You can get paid immediately after the investor group decides to make an offer and they mail the Letter of intend. If you do so, you get $300, regardless if the property is later bought or not. Or, you can decide to collect your money after the acquisition. In this case, you are going to receive $15.000 within 10 days of transaction. But if you are willing to wait till the property is bought and resold, you will get 3% of the total profit. The later option can prove to be the most profitable as the profits are often very high, but it is also the most risky. Maverick Group lets you decide how much and when you want to get paid based on your personal preferences.
There is no investment on your part (except for the initial sign-up fee that covers the cost of the Property Scout Training Manual). All you need to put in is some time and willingness to learn and observe.
Becoming a real estate insider in your specific area of interest is the ultimate position you can achieve in your community. As a real estate insider, you will know the best investments, be able to take advantage of local trends, avoid pitfalls where land values are decreasing, and present yourself as an expert to the people who matter in your business and community.
Having the knowledge and ability to act quickly will increase your opportunities to build wealth, maximize profits from every deal, as well as deliver insurmountable feelings of satisfaction and happiness.
What are some common attributes of the real estate insider you should strive to be?
The real estate insider is completely knowledgeable in his or her area of interest, and literally knows that specific area inside and out. There is nothing occurring in the community regarding this area of interest that the real estate insider is not aware of.
The real estate insider understands real estate and its trends. He or she knows what causes rises and falls in land values and rental prices, as well as how to follow trends and move accordingly to the changes. A real estate insider sees changes coming before they occur, and can move before others, acquiring a first mover advantage, which can be a defining advantage in commercial real estate.
The real estate insider is always aware of the current market values in, not only the specified area of interest, but other areas as well. Knowing other areas of interest can allow you to judge how these different properties may influence the properties that are close to them, or may effect either your current, or future properties under your control.
The real estate insider is self-motivated and self-learning, always taking the initiative to gain more knowledge and increase his or her area of expertise. When you are a true real estate insider, every day there is something to be learned, understood, or acted upon that will yield results.
Now that you have an idea as to what makes up a real estate insider, let’s look at some actions you can take that will place you closer to your goal in a timely and effective manner.
Operating as a real estate insider in your own community lends you many convenient avenues in gathering and sharing information. The number one place you need to be attending is the local government meeting house for zoning and planning meetings, as well as commission meetings. Knowing the governmental action and what is planned for the city will give details of the past, present, and future of a community, regarding properties and their uses. This is the exact information that you need to identify and act on trends that others will not be aware of.
When you attend these meetings, you have three solid objectives.
The first is to observe. As an observer, you want to recognize people’s faces, names, what they do, why they are important, what stances they have on certain issues, and how they might help you. You will also want to observe new submissions for developments, changes in zoning, new restrictions to specific zoning, needs for the community, community concerns that you can address, and many, many other issues that you will want to absorb deeply, and take notes to remind you later.
The second is to introduce yourself and make acquaintances. As you attend more and more meetings, people will begin to recognize you as a concerned member of the community. You must introduce your self to the important people leading and running the city government meetings. It is mandatory that you remember names and faces. You want to introduce yourself with a practiced introduction, and always have business cards ready to deliver.
Eventually, it will be common practice to approach these important people and address certain issues, ask for advice, and generally build a rapport that positions you as an important asset to the community. If ever you have an important conversation, or are given helpful advice, jot it down and send a thank-you note explaining what it was you discussed, how you implemented the advice, and the results you experienced.
Remember, however, that you are the student, and they are the expert. In this situation, you will get most out of these relationships by asking intelligent questions that are related to your area of interest. Always respect both the position and the knowledge of the person you are speaking to, and you will see how far it gets you. You will learn more than you could have ever imagined by building rapport with the city leaders and officials.
After meeting people that can assist your knowledge campaign, schedule meetings with them, and ask who else might be able to help you. When you begin linking contacts and subject matter, an entire web of support is built that will help you in many situations. It is important to always be at your best, ask the right questions, and thank the people for their help and expertise. Without these solid efforts, your ability to make and sustain contacts will wither away.
The third goal is to use the information that you are learning! You could sit in city meetings all day long and never use the information you are gaining! You must always be thinking critically about how you can use this information to strengthen your abilities, and how it can assist you in your next commercial real estate move. Too many times I have seen people go through the motions without any results because of their lack of action. A person who never acts, will never succeed. Don’t let this be you!
In addition to attending zoning and planning meetings, and commission meetings, you must know the zoning codes, their uses and restrictions! It is a huge advantage and downright necessity to know the zoning, use and restriction implications in your city. Remember, zoning can mean very different things in different cities, so be sure you know what C2 is, and what can be put on the property, as well as the difference between Office and Institutional zoning and Heavy Intensity.
Along with understanding all these zoning codes, you must know when it might be feasible to change the zoning of a certain property, and when there is no possible way of making that change happen. Zoning changes can be both labor and cash intensive; so do not begin to fight a battle unless there is a possibility in winning!
Many times, you may identify a better use for the property, or you have heard concerns from local residents about a specific property that you could change and make more accommodating for the city and its residents.
The more you can help the city become a more desired place to work and live, the more support you will be given, and you may even receive some incentives as well. It does absolutely no good to anyone, especially you, if you come as a foe to the city, as opposed to an ally.
As already briefly touched upon, you must know what is going on with all real estate in your sphere of influence, not just your area of interest. You must know what is for sale and what is available for rent, because these things are change identifiers that you must be privy of as a real estate insider.
For example, new vacancies usually indicate higher rent rates. Why did the rent go up? What is changing the demand for higher rental space? Is there a new development going up near it? If you do not know why certain changes are taking place, ask around. You can learn a lot by simply asking those in the area and coming to your own educated conclusions as to why the market is changing.
Generally, real estate trends are identified with the result first, before the effect. Like the previous example, you see the result of rental rates increasing. What caused this increase? You must be a detective and often work backwards in order to find your answer. Commercial real estate often has you thinking in ways that require creativity and insight that may not be cookie cutter ready.
As you continue on your way to being a real estate insider, always have a solid goal as to what it is you want to accomplish and how you are going to position yourself to get there. Use this knowledge that you will be given to strengthen the areas that are weak, and always be looking for the next new information that will make you stronger and wiser. As your abilities and position as a real estate insider grow, so will your ability to identify new opportunities, act on them quickly, and capitalize on your efforts.
Glass block windows today offer a vast selection of designs, patterns, and styles for any budget or purpose, but, before deciding to use this product there are more basic questions to be answered. First, why should you use blocks, where should you use them, and how can this product help to solve your problems or needs? The four steps to glass block design success will answer these questions and more.
Step 1 Ask, What are my goals, then Determine Your Patterns and Products. Begin with the end in mind. What problems do you want the block windows to solve? Do your existing windows seal poorly, are the frames rusted or rotted. Do you lack the privacy you desire, are you worried about the safety of your family or workers, or just looking for a hot look to add style to your property? Here are some block window recommendations to solve these specific problems:
oDrafty windows that dont seal properly Consider the thin line series (3 1/8 thick) series of blocks. They are more cost effective than the commercial series (3 7/8 thick), and come in a wide variety of sizes (generally 4 x 8, 6 x 6, 6 x 8, and 8 x 8) for proper sizing of any window opening.
oNeed More Privacy If youre concerned about someone looking into your windows especially in basement, bathroom, and garage windows consider the high privacy Ice and Pristal patterns from Mulia or Icescapes or Delphi from Pittsburgh Corning. You can do without blinds or shades (saving you money) with these patterns but you dont have to sacrifice light transmission (in fact, some say they get more light because the old frame is removed in many glass block installation projects).
oWant more security Since many of the glass block windows are mortared together breaking in through this type of window opening is very difficult and time consuming. These windows are also more cost effective than installing electronic security pads on windows and offer strong energy efficiency benefits as well.
oLooking for a cool, hot, contemporary look Why have boring windows when you can add style and uniqueness to your home or business? Colored glass blocks, block patterns with beveled edges, frosted blocks, and artistically designed blocks with the ability to create one of a kind designs are all available in todays block window.
Step 2 Ask, Do I have any special window needs? – Especially in the commercial, institutional, and architectural markets glass masonry units can solve some very specific design challenges. Here are some examples:
o60 or 90 minute fire ratings Blocks with thicker faces (often called Thickset) can (with the proper installation) provide 60 and 90 minute fire ratings in window assemblies. Standard blocks also provide an excellent 45 minute fire rating which is good for most residential applications.
oHigh Security or Vandalism Applications The Vistabrik pattern glass unit masonry block is a 3 solid piece of glass which resists bullets, fire, noise and graffiti. This product has been used extensively in transit authority projects in New York and New Jersey markets.
oReducing Solar Heat Gain Solar Reflective blocks, which use a metal oxide coating on the inside surface of the block, greatly reflects solar energy while reducing the passage of light. This helps property owners to cut their cooling costs and also to minimize fading of floor coverings as well.
Step 3 Ask, Where should I use glass block windows? The following outline may very well broaden your thinking on where blocks can be used to provide privacy, security, energy savings, light transmission, or just an interesting design element for your home or commercial property.
oUse blocks outside and inside Block windows are usually thought of as being used in an exterior window application like a basements, bathrooms, garages, and stairwells. Here are some new applications to consider:
Under kitchen or den cabinetry to let in light
Interior borrowed light window walls to move light through an inside wall while maintaining privacy (for example in small, dark water closets, or on the inside walls of basements to move light passively through the home).
In closets in homes to let in natural light to see your clothing and colors better while maintaining privacy.
Above one piece shower units in smaller bathroom to eliminate the need for costly skylights.
oUse glass blocks in new construction and remodeling projects Often thought of as a renovation project block windows are now frequently found in new construction as well. In new home and room additions glass block new construction windows with nailing make installations simple and painless. In remodeling projects pre-fabricated window panel assemblies are factory made and allow the window to slip into the opening vs. the difficult task of laying the blocks one by one (improves your quality and cuts your time to get the job done).
Step 4 Ask, Would I like this window to provide ventilation Glass block windows do not have to be solid glass. There are a variety of window block venting products to choose from. Here is a quick list of your choices:
oAir Vents to reduce heating and cooling costs and keep air flowing With double pane glass and slim line vinyl frames the new generation of air vents allow air to come in while being small enough to keep intruders out. Available in white and tan and sizes to match exterior colors and maintain the symmetry of the block window.
oPower Vents to get rid of musty smell and improve indoor air quality Power vents are vinyl framed ventilators with two powered fans that can move 145 cubic feet per minute of air to fight mold, power away smoke, circulate the air for healthier, thereby providing fresher living spaces. The Power Vent comes with an A/C adapter that plugs right into your wall.
oDryer Vent Blocks to move air out from a dryer in a glass block basement or utility room window Dryers are often located in basements and their venting is often directed through an inefficient single pane metal or wood framed basement window. Vinyl dryer vent blocks replace the space taken up by one block in a new glass window and allow you to get the benefits of the block without having to vent your dryer through the foundation (which can be considerably more expensive).
Now that youve got the 4 design steps youre ready to choose the right block window for your project. Be on the lookout for the next article in this series on the steps for glass block window installation success.
There are more than 3,900 local government entities in Texas that collect and spend residential and commercial property taxes. They include cities, counties, school districts and other special districts that local voters have authorized to collect and spend a specific tax amount for their operations.
All property taxes, regardless of who is collecting it and for what, are local. The state and federal governments do not get involved. In fact, Texas has no state property tax. Whatever taxes have been imposed will be collected by the local tax collector and distributed to the various local taxing entities.
Before looking at how to get some property tax relief Texas , you should know that this is how the local government provides services – keeps the schools, hospitals and roads open, and pays for essential services and public facilities such as fire departments, parks, etc.
Before signing on the dotted line for one of the residential property loans Texas lenders offer, it would be advisable to figure out exactly how much property tax you will be liable for as the home owner. Visit the county property appraiser’s office and ask for the tax history of the property. Some counties allow people to see the records online too.
If you are buying the property as your primary residence, you may be eligible for a homestead exemption. Residential properties purchased as vacation homes or real estate investments do not get this exemption. However, there may be other exemptions available in special cases. Talk to a local real estate agent or broker and find out if there are any such exemptions available in the county regulations or municipal code.
Commercial properties won’t be getting any exemptions. In fact, as the property values climb, so will their taxes. Since the value of property in a commercial zone is more often than not likely to keep getting higher, the tax burden will also grow steadily. On a related note, rezoning can often cause a huge change in property tax levels. For instance, if a purely residential zone is rezoned to allow mixed-use developments, the values of all residential properties in and near the zone will shoot up high.
If you are unable to pay the tax at the moment, do not let it go unpaid. The penalties are inexplicably high, and may be as much as 47 percent in the first year alone. Letting it pile up like this can lead to seizure of the property or the taxing authority may get a tax lien that makes it impossible to sell or otherwise use the property to raise equity. Instead of getting bogged down in this mess, get a real estate tax loan and clear off the property tax dues.
The property tax loans Texas lenders offer differ for residential and commercial properties. Find Texas tax loan solutions that match your property and pay off the tax. You can pay it back it in installments along with your basic mortgage payments. The interest you pay is far less than the penalties and interest you pay the taxing authority, and you can live without fear of losing your property.
Property Tax Solutions provides a convenient option of paying your Commercial & Residential Property Taxes in flexible mode of loan in 10 years term. Replace the burden of paying your Property Taxes In Texas in easy monthly payments.
The 6 Worst Sales Jobs (and why you need to avoid them — at all costs)
In this entry I’m going to run through what I think are the 6 Worst Sales Jobs you could be in. I’m going to encourage you to avoid them, or, if you’re already in one, encourage you to get the hell out as quickly as possible.
Because here’s the thing …
* The economy is suckin’ it right now …
* and it’s probably not getting better anytime soon.
A lot of companies (even big ones) are downsizing, or they’re flat out going under.
* A lot of folks in sales are looking mighty hungry, and more than a little desperate and panicky anymore.
I personally know guys who were pulling down $25K a month in sales commissions a few years back … who are now having a hard time making their car payments and are starting to worry about losing their homes.
And here’s why:
* They’re in the wrong market.
* And they’re operating from the wrong model.
And even if they were in the right market, even if things were going “good,” they’re miserable, overworked, overstressed, trapped in sales careers they should have been rethinking long ago.
They’ve been chasing the buck.
And for this, they have been sacrificing what is far more important:
* The six worst sales jobs …
So let’s run through what I consider the six worst sales jobs out there.
You might be looking at one of these as an option …
Or you might already be in one of them.
(I was at one time or another in all of them. With varying degrees of success and failure. And damn miserable most of the time. It wasn’t until a few years ago that I finally figured out the right way to build a sales career. And I’ll come to that. But first let’s look at the wrong sales jobs, the ones you should avoid like the plague.)
If you are one of these kinds of sales jobs, I’m going to encourage you to start re-thinking your life.
* #1 Worst Sales Job: Loan Officer (i.e., Selling Home Loans, Selling Mortgages)
Let me start with a confession.
I gave the mortgage business a shot some years ago — and I sucked at it.
I got caught up in the whole “mortgage consulting” approach, buried myself in learning everything imaginable, studied all of the “gurus,” bought into all of the “systems” and “services,” stayed up late and got up early studying an endless arsenal of “materials” and attended “seminars” constantly … and I still sucked at it.
And a good thing I did.
Not only did the market fall out from under the entire profession in the past few years, wiping out thousands upon thousands of jobs in the industry (and leaving everyone left standing shell-shocked and desperate), but more importantly …
* It was a good thing I got out when I did, because even if I had succeeded there, even if the economy hadn’t tanked, I would have been miserable in the mortgage business. WHY?
Going into an office every day.
Wearing a suit every day.
Dealing face to face with clients every day.
Dealing with appraisers and underwriters and processors and insurance companies and accountants and real estate agents … wrestling with rate sheets and program requirements, locks and deadlines, market fluctuations and government regulations … and the endless sprawl of documentation …
That was the worst part of it. Dealing with all that goddamn PAPERWORK.
The amount of paperwork and the sheer, unadulterated grief, you have to go through to close a home loan — and all of the endless crap that can trip up the process and turn what looked like a slam-dunk closing into a whirling nightmare of missing documents and pissed-off clients and hair-trigger land mines that can blow up at any second …
All to close one deal.
Sigh … No — that’s just not for me.
That’s not the world I want to be living in every day.
* #2 Worst Sales Job: Pharmaceutical Rep or Medical Supply Sales
Here’s another one I looked at once, and another I’m damn glad I avoided.
Last I checked, you have to sell about $1M annually to pull down a $70K salary as a medical supply rep.
Sell a million bucks a year. To make seventy grand.
Now, what they try to sell you on is the idea of “residual” income — build up accounts, they keep buying enough Band-Aids and tongue-depressors from you every month, and after a while you have it made.
What they don’t tell you is how goddamn hard it is learning about the 10,000 different kinds of drugs (or worse, gauze and rubber gloves, chemistry panels and reagents, scalpels and test tubes) … going out there every day, dropping in on an endless string of offices, trying to set up appointments with doctors and practice managers who have been conditioned and trained to treat you like dirt and make your life as unhappy and frustrated as humanly possible … All for the privilege of selling them soap for their bathroom dispensers …
The sheer hours you have to put in, and the grief and rejection you have to fight your way through to actually succeed in this kind of sales job …
Again — I’ll pass.
* #3 Worst Sales Job: Anything Corporate
If it involves an office (or worse, a cubicle) …
If it involves a time clock (or someone questioning why you’re a half hour late, or leaving a half hour early) …
If it involves putting on a monkey suit every day …
If it involves having to spend your time flying (or driving) around the country, meeting with people you don’t like …
If it involves tip-toeing around a boss or an office manager, or any form of kissing someone’s ass while hoping for a “promotion” …
Man, if that’s the kind of “sales” job you’re in, I’ve got news for you.
You are in the rat race.
And here’s the news flash: Your job is NOT secure.
And if you are not already a chronically-overworked, alcoholic, multiple-divorcee, borderline-suicide … you’re probably headed in that direction.
You might want to get off that merry-go-round while you still can.
* #4 Worst Sales Job: Anything Involving Sticking Signs On Your Car (or hanging signs on a Street Corner)
Now we jump to the other end of the spectrum.
I’m going to lump a few things into this one.
If you have magnetic signs on your car or your phone number printed on your back window …
… if you are hanging up your business cards on bulletin boards hoping a prospect might see them …
… if you are trying to pressure friends and family to set up “meetings” for you to share some “opportunity” …
You are in the wrong sales profession.
What falls into this category?
* Trying to run your own small, locally-based business. (Too much grief, too many hours, too little profit.)
* Trying to convince people to join the latest Multi-Level-Marketing scheme. (Oh, man. Don’t get me started.)
* Trying to sell real estate, or dealing in whatever it is the guys selling seminar tickets call “real estate investing”…. (Um … have you seen what’s going on out there?)
In any sales career like this, where you are reduced to employing these kinds of tactics to try to scrounge up prospects — and where everyone else involved seems to be smiling too damn much, and not very convincingly — I hate to say it, but you are likely operating from a position of desperation.
You are operating on hope.
And last I checked, hope is not a negotiable currency the bank recognizes.
* #5 Worst Sales Job: Anything Involving Standing Around Somewhere Waiting For Business.
My first sales job was selling carpet. I was probably worse at that than at trying to sell mortgages.
Here are the hard facts. Standing around waiting for customers to drop in is not a reasonable approach to trying to provide for yourself and your family.
Again, with the economy the way it is, and with more and more people shopping and researching their buying decisions online … The world of retail sales has become a world of Barely Getting By — If You’re Lucky.
And even the guys who are lucky and are getting by … they’re working 60 hours a week, living paycheck to paycheck.
Again — not for me.
* #6 Worst Sales Job: Anything Involving Bugging People When They’re At Home
Tele-marketing and door-to-door sales have to be the worst. They’re only at the bottom of my list here because I have the least experience with these. Never done either, thankfully.
If you’re calling on people at home when they don’t know you (and don’t want to know you), whether you are ringing them on their phones or knocking on their doors — you are in the wrong career, pal.
You’re not in the sales business. a[euro] You’re a public menace.a[euro] So just stop. a[euro] There’s a better way.
* What WOULD Make For a Great Sales Career?
I’ll be going into this in detail in another video, but in short …
1.) A great sales career would NOT involve anything like the crap jobs I’ve been talking about so far.
2.) Instead, a great sales career would allow you to get up when you want, work when you want and however much you want (and certainly no more than 10 or 20 hours a week if you didn’t want to), and without question work from home or really from wherever you want — in fact, work from anywhere in the world you want.
3.) And more important than anything, a great sales career would not only bring in a substantial six-figure income, it would also allow you the luxury of enjoying an extraordinary lifestyle at the same time.
And you can be sure I’ll be talking more about that in the next video and accompanying article I put together.
You can check them out (and get my latest free report) at:
What are the best Philippines properties for sale in terms of residence? There are many forms of residence or housing in the Philippines today that many Filipinos or foreigners could choose from. Some of the most popular ones today are condominiums and apartments. There are also townhouses which have become very popular in the Philippine market. So what are makes these types of houses popular in the Philippines?
Townhouses are some of the oldest types of housing in the Philippines. According to many experts, it even predates the introduction of apartments in the Philippines. Townhouses were first found in urban areas, providing cheaper housing for Filipinos. However, in today’s trends, townhouses are mostly found in luxurious complexes. Large complexes often have high security, resort facilities such as swimming pools, gyms, parks and playground equipment.
Some townhouses are also found in small footprints of a city. This allows residents to be within walking or mass transit distance of business and industrial areas of the city, yet luxurious enough for wealthy residents of the city. However, owning a townhouse in today’s market usually connotes wealth. Philippines properties for sale such as townhouses have become more expensive than buying a house.
Condominiums are some of the most popular types of housing and Philippines properties for sale today. Compared with townhouses and the typical house, condominiums are usually more affordable. Similar to apartments, a condominium consists of multi-unit dwellings (i.e., an apartment or a development) where each unit is individually owned and the common areas, such as hallways and recreational facilities, are jointly owned by all the unit owners in the building.
The advantage of owning a condominium unit other than its affordability is with its location. Most condominiums today are found within big cities such as in Makati City, the business district of the Philippines. Similar to townhouses, condominiums can offer a way for its residents to avoid rush hour as well as walking or short distance transit to commercial areas.
By far, apartments are still the most popular types of housing in the Philippines. This is because of its affordability compared to other forms of housing. Its affordability, however, is mainly due to the fact that apartment units are usually rented or leased to tenants or lessees. According to many experts, condominiums and apartments are similar in terms of physical form and structure. A building to be used as a condominium could also be used as an apartment. The difference is with its ownership. Apartments are usually rented by tenants while condominiums are individually owned. For more information visit to our site at http://www.atayala.com.