How Low Can You Go? How To Make A Real Estate Offer That Isn’t Insulting

February 4, 2020

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By John Ash

One of the most tried and true methods of getting the best possible price on a home is to offer the seller less than the asking price.

Yet, many home buyers are hesitant to use this method of negotiating. They feel as if a low offer will insult the seller. Some real estate agents have acknowledged that many home buyers have also expressed a sense of shame or embarrassment by not offering the asking price.

True, you may in fact encounter many sellers who are offended by your low offer, but there are ways to prevent this from happening. It’s just a matter of assuring the seller that the price you are offering is what works best for your purposes and taking the time to explain your reasoning.

Is it not worth the gamble if there is potential to save anywhere from $10,000 or $40,000 on the deal? Think about it. That’s more money to allocate towards any renovations or furniture for the house.

[youtube]http://www.youtube.com/watch?v=J8E4XjjBJX8[/youtube]

Sellers definitely have an emotional attachment to their house but this doesn’t necessarily mean they will be insulted by a low offer. Many sellers and their realtors recognize that a buyer’s initial offer is nothing more than an opening negotiating ploy where the buyer is feeling out exactly how desperate the seller is to part with the property.

But, to cover your bases, you should accompany any low offer with an explanation as to why you feel the price cut is fair. For instance, if the property is in need of updating, particularly potentially expensive items like a roof, wiring, appliances and the furnace, you could specifically state this to help offset the possibility of insulting the seller.

If you have a friend or family member who is a contractor, take them with you to view the house, and have them work up an estimate of the potential cost of any renovations to include with the offer. If the bathroom doesn’t meet your criteria – how much will it cost to renovate the bathroom to suit your needs? By breaking things down like this, you are showing the seller that your offer isn’t intended as a slap in the face but more or less a means to show them the perspective from your side.

Hopefully, you are reducing the risk that the seller will be so insulted by your low offer that they refuse to counter and cut off negotiations completely. With any luck, particularly if the location isn’t necessarily a seller’s market, the seller might even question whether or not they’ve overpriced the house upon reviewing your offer and comments. Explaining your reasoning will also give the seller the opportunity to correct any misjudgment on your part. For instance, maybe the roof isn’t as old as you thought and they can make you aware of that fact.

Check out the market locally to determine if you have any leverage in making a low initial offer. It’s conceivable that the seller may have the home listed on the higher end of what comparable properties in the area are actually selling for. This gives you negotiating room. Also, if the house has been on the market for some time and has already been reduced several times, the owner may have already gone as low as they can possibly go and may not be so inclined to hear out your low offer. Some research on the part of you and your real estate agent is a means to ensure that you aren’t in any way insulting the seller.

It’s also not a bad strategy to offer the seller something in return to get them to look past the low offer or come back to you with a reasonable counter offer. It may help your case if you show the seller that you have mortgage pre-approval, can close within 30 days, are willing to pay a portion of the closing costs or can provide them with a larger earnest money deposit.

The main purpose of a low end offer is to alter seller expectations. There is an art to the whole process. Some experts state that you should never offer less than 20% – 25% of the asking price but many successful real estate investors will argue this. Their belief is that this method of negotiating for real estate is worthwhile if there is one seller who accepts a low offer after a dozen or more rejections from other sellers. The bottom line is you can never predict which owners may be open to a low offer so why not explore it? Some sellers are dealing with hardships like divorce or death. Other sellers may be in a hurry to sell in order to relocate.

Plus, let’s not forget how counter offers play into the process. Let’s say that the seller has their house listed on the market at $300,000 and your initial offer is $250,000. It’s fair to speculate that the seller will reject your low offer but they may also counter it at $280,000. So, by offering less initially, you’ve still managed to knock off $20,000 from their original asking price. The sellers may even claim this as a victory themselves because they’ve managed to get you to agree to $30,000 more than your initial offer. Everyone thinks they’ve won!

About the Author: John is a contributor to a Connecticut Real Estate, Connecticut Mortgage, and Connecticut Real Estate Guide.

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Interview with Reggie Bibbs on his life with neurofibromatosis

February 4, 2020

Friday, December 14, 2007

Neurofibromatosis (NF) is a genetic condition causing benign tumors (neurofibromas) to grow along certain types of nerves and, in addition, it can affect the development of bones or skin. There are several variants of the disease but type 1 and type 2 NF account for the vast majority of cases.

The disease manifestations can vary from very mild to severe. Major symptoms include growths on and under the skin; skin pigmentations called café au lait spots in type 1; acoustic nerve tumors and consequent hearing loss in type 2. Growths can affect nearly all parts of the body, and pressure on nearby structures can cause a wide variety of complications. There is a small risk that the tumors transform into malignant cancerous lesions.

NF is one of the most common single-gene human diseases; around 1 in 2,500-4,000 live births are affected by NF-1, whereas NF-2 occurs in about 1 in 50,000-120,000. Both type 1 and 2 are autosomal dominant conditions, meaning that only one copy of the mutated gene need be inherited to pass the disorder. A child of a parent with neurofibromatosis and an unaffected parent will have a 50% chance of inheriting the disorder. The gene responsible for NF-1 and possibly NF-2 is thought to function as a tumor suppressor gene.

In most cases of neurofibromatosis 1, patients can live normal and productive lives. In about 25-40% of patients there is an associated learning disability with or without ADHD. In some cases of neurofibromatosis 2, the damage to nearby vital structures, such as the cranial nerves and the brainstem, can be life-threatening. When tumors are causing pain or disfiguration, surgery is thus far the only proven beneficial treatment option.

Reggie Bibbs is a 43-year-old-man living in Houston, Texas. Mr Bibbs was born with a genetic disease called neurofibromatosis (NF), which causes him to develop tumors on his body (see infobox on the right). NF can be a subtle disease, but in Bibbs’ case it has left him with a disfigured face and deformed leg. But he is happy with the way he looks, and doesn’t want to change his appearance to please other people. He has launched a successful campaign entitled “Just Ask”, and that’s just what Wikinews did in a video-interview.

The interview was prepared by Wikinews reporter Michaël Laurent with the help of Bertalan Meskó (who has a popular genetics and web 2.0 blog). Their questions were sent to a close friend of Mr. Bibbs, Lou Congelio, who kindly conducted the interview.

Contents

  • 1 Infobox: What is neurofibromatosis?
  • 2 The interview
    • 2.1 On neurofibromatosis
    • 2.2 Growing up
    • 2.3 A head to toe body tour
    • 2.4 The daily life of Reggie Bibbs
    • 2.5 Raising awareness and his campaign
  • 3 Sources
  • 4 External links
 This exclusive interview features first-hand journalism by a Wikinews reporter. See the collaboration page for more details.

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Kennedy assassin Sirhan Sirhan stabbed in California prison

February 3, 2020

Tuesday, September 3, 2019

It was reported on Saturday Sirhan Sirhan was stabbed in the neck while in prison. Sirhan, 75, is serving a life sentence for the 1968 assassination of United States senator and presidential candidate Robert F. Kennedy.

Sirhan was serving his time at Richard J. Donovan Correctional Facility in San Diego County, California. He was reported to be in stable condition.

The California Department of Corrections and Rehabilitation (CDCR) did not identify Sirhan as the victim. Rather, government sources confirmed his identity to various news outlets anonymously.

The Department issued a statement that an inmate had been stabbed: “There was an assault on an inmate on Friday, August 30 at Richard J. Donovan Correctional Facility at 2:21 p.m. […] Officers responded quickly and found an inmate with stab wound injuries […] He was transported to an outside hospital for medical care, and is currently in stable condition.” They also said they believed they had identified the attacker, who was being held in isolation pending investigation.

Sirhan, an ethnic Palestinian from Jordan, opposed Senator Kennedy’s pro-Israel position. Sirhan later claimed to have no memory of the night Kennedy was shot or of his own confession to the crime. For many years, Sirhan was held protectively separate from most prisoners at Corcoran State Prison because of his fame. At his own request, Sirhan was eventually transferred to the general population at Donovan.

Robert F. Kennedy was the brother of U.S. President John F. Kennedy, who had himself been assassinated in 1963. Robert was killed in June 1968, while seeking the Democratic nomination for president. Sirhan shot him in the head just after midnight, while he was walking through a hotel kitchen. Sirhan’s initial death sentence was commuted to life in prison when, for a time, California outlawed the death penalty.

  • Sirhan in 1969 (Image: CDCR)

  • Sirhan in 2016 (Image: CDCR)

What About Simple European Style Furniture

February 3, 2020

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What About Simple European Style Furniture

by

tony steve

With the fast development of people s living standard, nowadays it is common to find too many European style furniture in the market and lots of young consumers are likely to buy these European style furniture for home decoration, that s right and meanwhile it is necessary for you to know some basic knowledge about European style furniture.

Among all the European style furniture, have you heard of the simple European style furniture? In fact, it is the product of European style furniture and modern simple style furniture. With the popular of European style, such simple European style furniture has formed the fashion trend which can not be stopped. Now, let s discuss the charming of such kind furniture.

Strictly speaking, simple European style furniture is one kind of European style and it is more close to the European country style furniture. When looking at both the simple European style home decoration or furniture, you would notice that ivory is the main tone, along with some deep color. By this way, not only the honorable and generous feature of European style can be fully reflected, but also the traditional serious element is changed. In other words, they are more fresh and more natural.

Simple European style is changed from the European classical style so that you can find the features of traditional European culture, on the other hands, some complicated designs in European classical style are abandoned, for example, you would notice that these lines are too simple. Generally speaking, you can find the symmetrical characteristic and more modern elements in simple European style.

[youtube]http://www.youtube.com/watch?v=YB4bvvyl_ss[/youtube]

Features of simple European style furniture

Firstly, colors

Simple European style furniture are improved from the European classical style furniture and it is close to the European countryside furniture, therefore its colors are fresh and bright, as a result, it would be the perfect combination of comfort and leisure .

Secondly, material

Usually, simple European style furniture are made from some exquisite and valuable materials, which can not only improve the whole qualities of furniture, but also add one natural beauty into furniture. People would be attracted easily by such style.

Thirdly, design

When looking at some simple European style furniture, you would notice that most of them are the round design or square design, which is elegant and generous.

Finally, symmetrical characteristic

It is clear to see the lines and texture, although lots of furniture lines are simplified, you can still find their artistic elements.

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Former US Representative Dan Rostenkowski dies aged 82

February 3, 2020

Saturday, August 14, 2010

Former US Representative Dan Rostenkowski died of lung cancer Wednesday at his vacation home in Genoa City, Wisconsin. Rostenkowski, whose political career ended in the early 1990s after he was convicted on fraud charges, was 82.

Rostenkowski’s death was confirmed by his spokesperson, Jim Jaffe, who said that the former congressman had been receiving treatment for lung cancer for a while. Rostenkowski had previously been treated for prostate cancer in the 1990s.

Rostenkowski was born on January 2, 1928 in Chicago, Illinois. He was an athlete and declined an invitation to try out for the Philadelphia Athletics (now the Oakland Athletics) in order to pursue a career in politics. Rostenkowski attended St. John’s Northwestern Military Academy in Wisconsin, served with the US Army in Korea, and graduated from Loyola University in 1951.

Rostenkowski’s political career was supported by the Cook County political machine, and he became a member of the Illinois state legislature in 1952, one year after graduating from college. In 1958, when he was 30, Rostenkowski was elected to the US House of Representatives. In 1961, he began serving on the United States House Committee on Ways and Means, the chief committee of the House for writing taxes. From 1981–1994, he served as the committee’s chairman. Rostenkowski was involved in the creation of Medicare in 1966 and he helped make amendments to the Social Security system in 1983.

In 1992, a federal jury began an inquiry into the House post office, and Rostenkowski was accused of buying US$22,000 in stamps with government funds and then turning them into cash. The investigation, which lasted two years, led to Republican allegations of corruption within the Democratic party. In 1994, Rostenkowski was charged with 17 felony counts, including the use of federal money to purchase furniture, and obstruction of justice. In order to avoid a trial, Rostenkowski made a deal with prosecutors, pleading guilty to two counts of mail fraud in exchange for fifteen months in prison, two months in a halfway house, and a US$100,000 fine.

Rostenkowski, who was not reelected for a nineteenth term in Congress in 1994, continued to maintain his innocence, and was pardoned by US President Bill Clinton in 2000.

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Tornado kills 19 in Florida

February 3, 2020

Saturday, February 3, 2007

At least 19 people have been killed in central Florida in the city of Lady Lake and Paisley after severe storms and a tornado ripped through the cities in the middle of the night. Eleven of those killed were in Paisley and three were in Lady Lake.

The death toll is expected to rise as rescue crews resume tomorrow morning.

Volusia, Sumter, Lake and Seminole counties have all been declared a state of an emergency as dozens of houses, mobile homes and a church were destroyed. Clothes and furniture are scattered around the wrecked houses and pieces of trees are scattered about. Cars are reported to have been turned over or thrown around in the air.

“Our priority today is search and rescue,” said Gov. of Florida, Charlie Crist. Rescuers are still looking through the wreckage to find survivors of those who might have been killed.

A spokeman for the emergency response team of Lake county, Chris Patton calls the damage “devastating” and worse than “hurricanes in 2004.”

“We have complete devastation of homes, of businesses, religious institutions. It was unlike even perhaps the hurricanes of 2004 when we had minor roof damage, screen damage, pool damage. This is way far more devastating,” said Patton.

The storms hit at about 3:15 [EST] a.m. on Friday morning. At least 20,000-30,000 people are without power.

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American pitchman Billy Mays dies at age 50

February 3, 2020

Sunday, June 28, 2009

American pitchman and advertiser Billy Mays has died at the age of 50. Mays was probably most known for his pitching of the multipurpose cleaning product OxiClean.

According to reports, Mays’ wife, Deborah, found him unresponsive Sunday morning in their home located in Tampa, Florida. Fire-rescue crews pronounced him dead at 7:45am EDT. The cause of death was heart disease.

According to reports, he was a passenger on U.S. Airways Flight 1241, a flight to Tampa from Philadelphia, that suffered a tire blowout upon landing on Saturday night. He was quoted as saying objects from the overhead compartments hit him in the head, but he did not seek medical treatment. Nobody was reported injured in the incident. Deborah said he did not feel well when he went to bed at around 10:00pm EDT the previous night.

An autopsy is expected to be completed by Monday afternoon.

“Although Billy lived a public life, we don’t anticipate making any public statements over the next couple of days. Our family asks that you respect our privacy during these difficult times,” said Deborah Mays in a statement to the press.

Mays recently began co-starring in a television show on the Discovery Channel called Pitchmen. Mays, along with English advertiser Anthony Sullivan starred in the show where they would ‘pitch’ several products. By the end of the show, two inventors would be selected and be given a chance at selling their product “en masse”.

Mays also pitched sales for several other products including furniture polish Orange Glo, Mighty Putty, the Gopher, Zorbeez, and the cleaning product Kaboom!.

The Government Battle Against Cell Phone Use While Driving

February 3, 2020

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By Al Wannestadt

Legislature to combat using a cell phone while driving is a daily battle for local, state, and federal governments. Numerous studies and heart wrenching stories on loss of life due to distracted drivers have propelled government officials to take action on limiting cell phone use while driving. First, there was legislature put in place in certain cities & states that forced hands-free use of a cell phone only. Other steps of limiting cell phone use for public transportation workers, younger-aged drivers, and drivers in construction and school zones have been taken. As texting has became so popular, fighting texting while driving has became the latest battle. Legislature is changing weekly, if not daily as bills are continually submitted by local, state, and federal representatives.

Distracted driving is a constant problem on roads today throughout the nation. The term distracted driving encompasses more than just cell phone use, it involves eating/drinking, talking to passengers, looking at maps, playing with the radio etc. Distracted driving is anything that takes hands off the wheel, eyes off the road, or the mind from thinking of what drivers are doing while driving.

According to the National Highway Transportation Safety Association, in 2009, close to 5,550 people were killed in distracted driver accidents and half a million people were injured in accidents due to a distracted driver. Furthermore, 18% of all fatal car accidents were the result of a distracted driver.

[youtube]http://www.youtube.com/watch?v=AH_jgKDU3nM[/youtube]

Cell phone use is a major component of distracted driving. Cell phones distracting drivers has become such a problem that nine states and the District of Columbia to date, have taken the ultimate step to completely outlaw any use of cell phones while driving. Not even hands-free talking devices can be used in these areas.

Experts and studies on both sides differ as to whether hands-free devices are the true solution to keep drivers concentrated while talking on cell phones. The hands-free debate is why more states haven’t banned hand-held cell phone use or total use of cell phones while driving because of the inconclusive results. However, states will be weighing passing laws on the use of hand-held devices while driving more now since the federal safety funding is being cut to states that do not have at least bans on hand-held devices. New Orleans Representative Austin Badon has filed a bill this week to outlaw hand-held devices while driving in Louisiana. Badon explained that millions of dollars have been lost to Louisiana because of the lack of legislation and is why they are diligently working to pass a bill.

Texting, checking email and/or surfing the web is an area that most have come to an agreement on in the past couple years as being a very serious distraction for drivers. The Insurance Institute of Highway Safety found that drivers who use handheld devices are four times as likely to get into crashes serious enough to injure themselves. Another study found that when drivers text, they are impaired at the same level as if they had twice the legal limit of alcohol inside of them. These statistics and many more have pushed 30 states and the District of Columbia to step up to the plate on the texting issue by passing legislation and outlawing texting while driving for all drivers. Other states such as Arizona and Nevada have passed preliminary bills this month to be added to that list to outlaw texting while driving.

Still, the enforcement of these laws has been tough for officials and drivers continue to break these laws and ignore the dangers. States have begun setting up texting sting operations all across the state and have begun raising fines for offenders to get driver’s attention. Connecticut, who passed a texting while driving ban in 2005, still struggle with drivers texting that they have passed a significant raise in fines on offenders. Originally, first time offenders were fined $100, $150 for the second time and $200 for the third and subsequent offenses. The new law makes first time violation fines still $100 but all second and subsequent offenses will be $500 fines. A major fine that Connecticut officials expect to get the attention the law deserves and make drivers follow the law and drive safer.

Legislation limiting the use of cell phones will be a continuous fight that legislators on all levels of government will constantly be working on for years to come. Even with legislation passed, the governments still struggle to close loopholes on current laws and find ways to enforce the rules efficiently. Most importantly, regardless of what laws are in place, the ultimate goal is to have drivers put their cell phones away and concentrate on driving.

About the Author: Al Wannestadt works as a freelance writer and marketer for companies like CarLocate, a web car listing service with

new and used cars

for sale. They are located at

CarLocate.com

. When he is off the clock, Al writes about and stays up-to-date on the latest marketing innovations, and follows the latest news about the automotive industry and cars.

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isnare.com

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Assuring Your Life Forever

February 2, 2020

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Submitted by: Ajeet Khurana

Insurance is a signed contract called policy. The party who buys the policy is called the Policyholder and the party that sells it is called the Insurer. It is taken to safeguard oneself from any financial loss occurring due to any event like death, accidents, damage to property or business, through acts of nature or caused by humans. It gives you peace of mind because you know you’ve prepared yourself for the worst.

The policy is always taken for a fixed period on which a pre-determined amount is paid at regular intervals to the insurer. This amount is called the Premium. Premiums are either paid as lump sums for a year or in installments.

Well, there are two types of insurance coverage: Life and General or Non Life Insurance. Life coverage is taken to support one’s family in the unfortunate event of death or permanent disability or a life-threatening disease. If you have loved ones who are financially dependent on you, then seriously opt for this cover. General coverage on the other hand covers all non-life losses. These can include health issues, damage to property or business, etc.

Lets discuss health, accident and vision insurance, in the sense, what are they and how they are different from each other. Think for a moment and you’ll realize how time has passed by. Basic necessities like food, education, etc are not available at the same price today, which were few years back. In short, our cost of living has increased which means with the rise in the cost, health care has also become expensive now-a-days.

[youtube]http://www.youtube.com/watch?v=XLjNoqgFRzI[/youtube]

Healthcare expense would include medical bill, operation charges, medicines, hospital stay etc. If one day when you fall seriously ill and need to be hospitalized then this policy will help cover the medical expense. This way you are saving yourself and your family from financial difficulty.

You’ve been a very good driver all these years with a clear record. You follow rules and safety precautions, but not everybody does as you do, although they are expected to do it. Don’t fool yourself into believing that nothing will happen to you. What if one day you get hit by a fast moving vehicle coming your way. You can be badly injured and it might even lead to death.

In such situations an accident policy will take care of you and your family. It will cover tall the expensive medical treatments, physical therapy, crutches, wheelchairs etc.

Vision insurance is different from health insurance but is also a part of it, in the sense that it focuses on a certain part of your body i.e., your eye. It pays for eye examination, eyewear and other vision services. Some of the benefits you can get when you take this policy are: routine eye check at reduced rates, access to ophthalmologists, laboratories, surgeons etc.

What I strongly recommend is, before taking an insurance cover make sure to check the history of the company and its reputation. Evaluate policies with the insurer for changes or alterations in premium rates.

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