Pemerintah Harus Beri Kepastian Hukum Kepada Broker Properti

Pemerintah harus segera menciptakan kepastian hukum dalam bisnis broker properti mengingat kondisinya sudah mengkhawatirkan karena di kalangan broker sudah terjadi “main kayu” (kecurangan).

“Upaya melalui kode etik broker, ternyata tidak membuat ‘kekacauan’ dalam industri broker properti lantas punah,” kata Ketua umum Asosiasi Realestat Broker Indonesia (Arebi) Tirta Setiawan di Jakarta, Rabu (30/08).

Padahal industri broker properti menjanjikan potensi yang luar biasa. Untuk penyerapan tenaga kerja misalnya, saat ini tak kurang dari 354 perusahaan agen properti.

Jika satu perusahaan broker properti memiliki 10 agen saja, maka sudah ribuan tenaga kerja terserap di situ. Dari hitungan Tirta, saat ini ada 6000-an agen properti.

Dari sisi ekonomi, data Arebi menunjukan transaksi penjualan properti yang memanfaatkan jasa broker sebesar Rp20 triliun. “Tapi itu baru angka yang terdata jelas. Karena banyak transaksi yang tidak dilaporkan dan diperkirakan nilai mencapai 100 bahkan 400 kali lipat dari transaksi yang tercatat,” jelas Tirta.

Menurut Tirta, kasus transaksi jual beli properti “bawah tangan” atau yang tidak dilaporkan hanya satu dari sekian banyak masalah yang melingkupi industri broker properti.

Masalah lain yang juga sulit dituntaskan adalah dana transaksi yang menguap atau dibawa kabur agen penjual. Belum lagi, adanya developer nakal yang enggan membayar komisi transaksi. Dengan beragam alasan, developer berusaha menghindari kewajibannya membayar komisi dari transaksi penjualan properti.

Ada juga yang lebih menyusahkan, setelah konsumen membayar uang muka dan cicilan, pengembangnya tidak membangun proyek yang dijanjikan. Padahal kontrak sudah diteken. Konsumen pasti komplainnya ke broker,” tandas Tirta.

Sebenarnya, Arebi sudah berupaya mengatasi masalah-masalah yang ada di seputar bisnis broker. Untuk agen yang nakal misalnya, para pemilik lisensi atau pengelola kantor manajemen broker bisa memecat agen yang nakal.

Hanya saja, agen properti yang nakal tidak bisa di-blacklist atau terkena sanksi hukum lain. “Mereka bisa dengan enaknya berpindah dari satu kantor ke kantor lain,” ujar Darmadi Dharmawangsa, Sekretaris Jendral Arebi.

Sementara itu, Ketua Umum Realestat Indonesia (REI) Lukman Poernomosidi saat berbicara dalam Seminar Sehari Arebi yang bertema “Sosialisasi Kebijakan Pembinaan Bisnis Broker Properti” di Hotel Ciputra, Rabu (30/08) menyatakan, kalangan developer sebenarnya sangat membutuhkan keberadaan agen properti untuk menjadi ujung tombak pemasaran produk properti.

Oleh sebab itu, jika ada masalah antara developer dan broker, itu merupakan bukti perlunya peningkatan profesionalisme diantara pengembang dan broker.

Untuk mencari solusi dari banyak masalah, Arebi lantas meminta Departemen Perdagangan untuk membuat regulasi yang bisa menjadi patokan bisnis ini. Salah satu bagian dari regulasi tersebut adalah adanya syarat sertifikasi bagi agen properti.

Hanya saja sejauh ini, regulasi tersebut masih menyangkut di Departemen Perdagangan.

Menurut Direktur Jendral Perdagangan Dalam Negeri Depdag Ardiansyah, sebenarnya regulasi untuk industri broker sudah tercantum dalam Kitab Undang-Undang Hukum Dagang (KUHD) tahun 1933.

Disitu disebutkan, makelar atau yang sekarang disebut broker, diangkat oleh Gubernur Jendral Belanda. Makelar tidak mengambil bagian dari transaksi, tapi melaksanakan amanat majikan dan dibayar berdasarkan jasanya,” Kata Ardiansyah.

Jadi, ada regulasi tentang bisnis broker di Indonesia. Hanya saja, Ardiansyah mengakui KUHD memang harus diperbaharui. Alasannya, saat ini masalah yang muncul dalam bisnis broker sangat banyak seperti soal pembajakan SDM, soal banting harga komisi, sampai belum adanya sertifikasi kompetensi.

Tapi soal kode etik, papar Ardiansyah, memang cukup dikeluarkan oleh asosiasi saja.

Meski memaparkan panjang lebar, namun Ardiansyah tidak berani menargetkan kapan pemerintah akan mengeluarkan regulasi tentang sertifikasi broker.

Hal senada diungkapkan oleh Menteri Perdagangan Marie Elka Pangestu, menurutnya, regulasi soal sertifikasi broker masih terus dalam penggodokan di kantornya.

Menanggapi ketidakjelasan sikap pemerintah dalam soal regulasi sertifikasi, Tirta Setiawan menegaskan, pihaknya akan mengundurkan diri dari posisi pengurus Arebi jika regulasi sertifikasi tidak keluar tahun ini. “Saya kecewa kalau tahun ini belum juga keluar,” tegasnya.

Menurut Tirta, adanya SK Mendag tentang Sertifikasi dan SK Mendag tentang Pengawas Profesi, akan meningkatkan pemasukan bagi negara dalam soal pajak.

Adanya sertifikasi dan pengawasan profesi membuat agen yang nakal bakal mendapat sanksi. Dengan begitu transaksi gelap bisa dikurangi. Dan transaksi yang jelas kan berarti penambahan pemasukan dari sektor pajak,” tandasnya. (*/lpk)

sumber : www.kapanlagi.com

Studied the book for a little bit today in preparation for this week’s physical and mental rape.

My father and I were at a store today and we ran into a next-door neighbor from the days of when I used to live in a 3br townhouse.  He’s a commodities broker for sugar.

I sent my watch in for a band adjustment, and I’ll get it back on Wednesday.  There’s a couple of things I want to get from JCrew…lets hope they have a sale soon or some sort of discount that applies to all merchandise.  Can’t blow too much money now but what can I say, I’m a big consumer.

Simpsonville South Carolina Real Estate – Weekly Residential Market Conditions, Homes Sold, Listings and Homes for Sale – November 22nd – November 28th 2009 – Greenville County SC

For the week of November 22nd to November 28th 2009, there were 8 homes that closed escrow in the Simpsonville SC real estate market. High list price for these sold homes (including Condos and Townhouses) was $1,210,000, Low list price was $132,000, Average list price was $303,400, Median list price was $168,700, and total list price volume was $2,427,200.

High sold price for these 8 sold residential homes was $1,075,000, Low sold price was $130,000, Average sold price was $276,862, Median sold price was $155,250, and total sold price volume was $2,214,900. High Days on Market (DOM) was 378 days, Low DOM was 6 days, Average DOM was 83 days, and Median DOM was 37 days.

There were 3 residential homes that went under Pending or Contingency Contract status in Simpsonville during this period. High list price for these homes was $354,900, Low list price was $154,000, Average list price was $236,266, Median list price was $199,900, and total volume was $708,860. High DOM for these Pending and Contingency contract homes was 139 days, Low DOM was 74 days, Average DOM was 102 days, and Median DOM was 94 days.

13 homes were newly listed in Simpsonville during this period. High list price price for these homes for sale was $499,900, Low list price was $134,900, Average list price was $246,573, Median list price was $178,900, and total new listings volume was $3,205,450. 

Statistics used in this post was gathered from the Greater Greenville Association of Realtors inc. Multiple Listing System. These statistics may not include sales like new construction or For Sale by Owners that were brokered by member firms.

Remember: The $8,000 first-time Home Buyer Tax Credit has been extended to April 30th, and has also been expanded to include a $6,500 tax credit for move-up buyers who have occupied their home for at least five years.

Please Contact Victor Amadi at 864-525-0201 for more detail on the $8,000 Home Buyer Tax Credit, and for all your Simpsonville Real Estate needs.

SIMPSONVILLE SC REAL ESTATE AND HOMES FOR SALE:

Greater Greenville County SC MLS Real Estate – Homes for Sale in the Greenville Area of South Carolina. Here you have access to the following market segments: Greater Greenville Entry Level Homes, Greater Greenville Median Homes, Greater Greenville Upscale Homes, Greater Greenville Luxury Homes, Greater Greenville Million Dollar Homes, and Greater Greenville Lots, Homesites and Land for Sale in Greenville County SC. Surrounding towns and communities include: Greenville, Simpsonville, Greer, Easley, Fountain Inn, Mauldin, Taylors, Travelers Rest, Piedmont, Landrum and Marietta South Carolina. Also includes Greenville County, Spartanburg County, Anderson County, Pickens County, Laurens County, and Oconee County real estate and homes for sale. Call Victor Amadi at (864)525-0201. EXIT Upstate Realty!

Weblink: - Simpsonville South Carolina Real Estate – Weekly Residential Market Conditions, Homes Sold, Listings and Homes for Sale – November 22nd – November 28h 2009 – Greenville County SC

Greater Greenville South Carolina Real Estate Residential Market Conditions, Homes Sold, Listings and Homes for Sale – November 22nd – November 28th 2009

For the week of November 22nd to November 28th 2009, there were 80 homes that closed escrow in the Greater Greenville SC real estate market. High list price for these sold homes (including Condos and Townhouses) was $1,210,000, Low list price was $16,000, Average list price was $154,386, Median list price was $135,450, and total list price volume was $12,350,881.

High sold price for these 80 sold residential homes was $1,075,000, Low sold price was $8,200, Average sold price was $146,425, Median sold price was $131,450, and total sold price volume was $11,714,051. High Days on Market (DOM) was 616 days, Low DOM was 0 days, Average DOM was 82 days, and Median DOM was 57 days.

There were 28 residential homes that went under Pending or Contingency Contract status in the Greater Greenville area during this period. High list price for these homes was $499,900, Low list price was $18,900, Average list price was $158,882, Median list price was $125,300, and total volume was $4,448,700. High DOM for these Pending and Contingency contract homes was 432 days, Low DOM was 6 days, Average DOM was 97 days, and Median DOM was 57 days.

133 homes were newly listed in Greater Greenville during this period. High list price price for these homes for sale was $1,800,000, Low list price was $19,900, Average list price was $207,151, Median list price was $155,000, and total new listings volume was $27,551,208. 

Statistics used in this post was gathered from the Greater Greenville Association of Realtors inc. Multiple Listing System. These statistics may not include sales like new construction or For Sale by Owners that were brokered by member firms. Greater Greenville includes Greenville, Simpsonville, Greer, Easley, Fountain Inn, Mauldin, Taylors, Travelers Rest, Piedmont, Landrum, Marietta, pelzer, some parts of Spartanburg County, Anderson County, Pickens County, Laurens County, and Oconee County.

Remember: The $8,000 first-time Home Buyer Tax Credit has been extended to April 30th, and has also been expanded to include a $6,500 tax credit for move-up buyers who have occupied their home for at least five years.

Please Contact Victor Amadi at 864-525-0201 for more detail on the $8,000 Home Buyer Tax Credit, and for all your Greater Greenville Real Estate needs.

Greenville County SC Real Estate and Homes for Sale

Greenville County SC Entry Level Homes for Sale {under $150k}	Greenville County SC Median Homes for Sale {$150k~$300k}	FREE Quick Over-The-Net Home Evaluation
Greenville County Upscale Homes for Sale {$300k~$600k}	Greenville County SC Luxury Homes for Sale {$600k~$1m}	Greenville County SC Million Dollar Homes for Sale {over $1million}
Greenville County Lots & Land for Sale	Greenville County Condos & Townhouses for Sale	START NEW SEARCH

Greater Greenville County SC MLS Real Estate – Homes for Sale in the Greenville Area of South Carolina. Here you have access to the following market segments: Greater Greenville Entry Level Homes, Greater Greenville Median Homes, Greater Greenville Upscale Homes, Greater Greenville Luxury Homes, Greater Greenville Million Dollar Homes, and Greater Greenville Lots, Homesites and Land for Sale in Greenville County SC. Surrounding towns and communities include: Greenville, Simpsonville, Greer, Easley, Fountain Inn, Mauldin, Taylors, Travelers Rest, Piedmont, Landrum and Marietta South Carolina. Also includes Greenville County, Spartanburg County, Anderson County, Pickens County, Laurens County, and Oconee County real estate and homes for sale. Call Victor Amadi at (864)525-0201. EXIT Upstate Realty! 

Weblink: - Greater Greenville South Carolina Real Estate Residential Market Conditions, Homes Sold, Listings and Homes for Sale – November 22nd – November 28th 2009

Dann wollen wir mal schauen, was die einzelnen Anbieter auf Lager haben.

Beginnen wir mit der DAB Bank:

• Depot-Führung Erstdepot: kostenfrei
• Basisprovision: 4,95 €
• + Gebühr im DAB-Sekundenhandel (außerbörslich) :  2,00 €
• + bei allem übrigen Tranksaktionen: 0,25 %, mind. 3,00 €
• + Abwicklungspauschale Xetra + Scoach Frankfurt: 1,50 €
• + Abwicklungspauschale sonstige Inlandsbörsen 2,90 €

Ein Trade von 200 € über Xetra würde somit kosten: 4,95 € + 3,00 € (Transaktionsgebür) + 1,50 € (Börsenplatzgebühr) = 9,45 €

Fortsetzung folgt: OnVista-Bank

I have the day off this Saturday.  I haven’t been reading the book like I thought I would, but I’m about to start in an hour.

So I treated myself and just got this delivered to me today.  I need to make myself more flashy in my pinstripe suits.  This will do the job.

It features a mother of pearl patterned dial and it has 34 diamonds on the face.

Wall Street was very empty this morning.  Obviously everyone is sleeping or hungover except for a few crazy people like me.  For lunch, I went with a broker trainee to Georgio’s for pizza.  You walk down past the NYSE, The Setai, Bobby Vans Steakhouse, and Hermes, make a right at the first light and you’ll find a decent pizzeria.  Another person got shitcanned today, and a lot of trainees were shocked because it was this junior broker that they thought was doing well.  Some of the trainees smoked with him outside the building in the morning.  It’s like a revolving door at this firm, it just doesn’t seem like people last here very long.  Who’s it gonna be next week?

My friend’s cousin came up to the office today and we all went to Madison Ave/Midtown to check out places like Gucci, Bergdorf Goodman, Salvatore Ferragamo, and Dolce & Gabbana.  We were mostly looking at $300-$600 dress shirts from Turnbull & Asser and Charvet.  I didn’t buy anything.  There were tons of people out.  It’s Black Friday but these stores certainly don’t have discounts.

We made a quick pitstop at the Hilton in midtown, went all the way to the 44th floor, slipped into the executive lounge and basically ate the hors d’oeuvres for free even though we weren’t hotel guests.

Around 6pm, we went to DJ Reynolds for dinner to eat their $30 prime rib.  I have to say, it’s almost the same as Smith & Wollensky… yet at Smith & Wollensky, I paid like $60 for the steak and more than 2x more overall.  Now I’m with some family for a post-Thanksgiving function.  Not a bad day.

Happy Thanksgiving!  I hope today, tomorrow (Black Friday), Saturday, and Sunday will be excellent for everyone.

I’ll be waking up in about 5-6 hours, and I’ll probably be seeing a lot of people out and about lined up for the insane shopping tomorrow.

Holidays used to be so much more festive when I was a kid in the 90s.  Now it’s just eh.

On 4.5 hours of sleep this morning, I rolled into the lobby in a grey pinstripe suit with my Ray Bans looking pretty clutch.  I have to say that wearing these power suits really helps motivate me and it gives me a lot of confidence when I walk around.  It’s psychologically important to feel like a million bucks.  If you dress like shit, you’re going to feel like shit.  If you feel like shit at this job, you’re not going to last long.  There’s 12 of us right now.  Highly unlikely that we’ll all make it.

The training room is actually probably in the high 50’s or about 60 degrees.  I know I said 65 but the room is colder than the temperature outside.  I’m surprised I haven’t gotten sick.  Today I got out early at 4pm because it’s Thanksgiving Eve.  No Black Friday for me because I have to go into work on Friday, although I’ll probably go look around after work.  No such thing as vacation here until you’re a big producer.

The work hours compared to compensation right now is extremely disproportionate, but that will change after I work my fucking ass off.  I mean really work my ass off.  People think they work hard, but if I may be so bold to say, many of them have no clue what hard work really means.

I’m naturally a lazy person, but I have a high tolerance for pain and I’ve taken on a lot of jobs with little to zero compensation.  I’ve put in a lot of time and effort only to go nowhere in a LOT of things.  There’s so many times where I just wanted to give up on everything.  Now I’m pretty good at just moving forward and not looking back.

Episode 156 of the daily Toronto Real Estate Musing video blog. George O’Neill already proudly announced the Inaugural Social Media Marketing Summit for Real Estate to be held in Toronto on November 30, 2009. Today he reminds us the event is only 4 days away, and it is not too late to register! For additional information and to register see www.SocialMediaMarketingSummit.ca

If you are interested in Beach or downtown Toronto real estate or wish to discuss this topic further, please email George@GeorgeONeill.ca or leave a comment below.

Tingginya permintaan pupuk organik granul (POG) mendorong permintaan bahan baku POG ini. Bahan baku utama POG adalah kompos, baik kompos dari sisa tanaman atau kotoran hewan (pupuk kandang). Permintaan kompos, terutama kohe sangatlah tinggi.

Andaikan saja, menurut bocoran (jangan dipercaya ya..), kebutuhan POG tahun depan mencapai ratusan ton. Taruhlah 500 ton saja. Proporsi pupuk kandang dalam POG kurang lebih 60%, jadi kebutuhan kohe mencapai 300 ton. Ini kohe kering (kadar airnya di bawah 10%), halus, dan sudah matang. Perkiraan jumlah kohe mentah yang diperlukan bisa mencapai 1000 ton. Permintaan yang luar biasa besar.

Karena permintaan besar, banyak orang-orang oportunis yang memanfaatkan kesempatan dalam kesempitan. Banyak broker-broker kohe yang nakal dan mencoba menipu para produsen POG. Untuk menambah volume/bobot kohe, para broker mencampur kohe dengan tanah (perkiraan saya seperti ini). Kohe yang sudah dicampur tanah sulit dibedakan secara visual dengan kohe asli. Namun secara kimia, kohe ini jelas-jelas tidak masuk ’spek’ (baku mutu).

Salah satu persyaratan POG adalah kandungan bahan organik (C organik) minimal 12%. POG yang dibuat dengan berbahan baku kohe aspal (asli tapi paslu), kandungan bahan organiknya tidak memenuhi spek. Tidak jarang kandungan bahan organiknya tidak mencapai 10%. Ini disebabkan karena kandungan bahan organik di dalam kohe sangat rendah, kurang dari 20%. Bahkan pernah saya menguji kohe yang kandungan bahan organiknya hanya 8%. Kohe yang asli kandungan bahan organiknya > 20%, bahkan bisa mencapai 30%.

Beberpa pengusaha UKM yang terkena tipu para broker ini dan merugi ketika mulai membuat POG. Terutama POG-POG yang bersubsidi.

Sebenarnya ada cara yang mudah dan sederhana untuk melihat apakah kohe yang dikirimkan tersebut memenuhi spek atau tidak. Cara praktis ini hanya perkiraan saja. Untuk lebih tepatnya memang perlu dikirim ke laboratorium untuk diuji kandungan bahan organiknya. Meskipun demikian, cara ini bisa dijadikan langkah awal untuk menguji keaslian kohe.

Berikut ini cara sederhana untuk menguji keasliah kohe.
1.Kohe yang asli umumnya berwarna coklat kehitam-hitaman. Jika ditambah tanah umumnya warnanya lebih cerah.
2.Jika kohe dikirim dalam bentuk sudah kering dan halus, umumnya kohe ini terasa ringan ketika diangkat. Ini karena berat jenis (BJ) kohe relatif rendah. Jika kohe terasa berat, meskipun kondisinya kering, mamak kohe ini perlu dicurigai kalau tidak asli.
3.Siapkan air di dalam gelas. Masukkan satu sendok kohe dan diaduk merata.
4.Kohe yang baik seharusnya sebagian kohe yang mengambang di atas permukaan air. Kira-kira seperlima dari berat kohe tersebut.
5.Jika kohe yang mengapung sangat sedikit/sedikit sekali, dan lebih banyak kohe yang tenggelam, maka kohe ini perlu dicurigai kalau aspal.

Cara-cara di atas adalah pengujian secara visual dan kasar. Kalau Anda belum puas, contoh kohe bisa dianalisakan ke lab tanah terdekat. Cara-cara tersebut di atas juga bisa untuk menguji keaslian kompos dari sisa-sisa tanaman/sampah.
(Foto-foto menyusul ya…..isr)

Održan je Kurs: Investiranje na berzi, u Novom Sadu. Devet polaznika različitih profila (programeri, preduzetnici, studenti, ekonomisti, nastavnica) upoznali su se sa osnovnim finansijskim instrumentima i analizama. Postupno, korak po korak, su otkrivane tajne berzanskog poslovanja. Predavač je svakom polazniku posvetio dovoljno vremena. Na sledeću oblast se prelazilo tek pošto je svima bilo razjašnjeno prethodno. „Svima mora da bude jasno“ da bi smo prešli na sledeću oblast, reči su koje je izgovarao posvećeni predavač. Često su časovi trajali duže od predviđenog a u toku pauza i nakon predavanja diskusija o berzi se nastavljala. Sam Početak kursa je prošao u atmosferi „upijanja“ novih informacija da bi kasnije to preraslo u interaktivnu razmenu pitanja, odgovora, učestvovanje u rešavanju zadataka i sl. Polaznici su često bili u neverici i postavljali su pitanja tipa: da li je moguće da tako nesto postoji!?, pa i ja ću moći isto tako da trgujem, primenjujem strategije i zarađujem novac, šteta što ovo nisam otkrio ranije i td. Samo predavanje je ogoljeno od suvoparnih definicija i teoretisanja sa kojima smo mogli da se susretnemo na nekim dosadašnjim predavanjima. Akcenat je na modelima prilagođenim za praktičnu primenu i lako razumevanje. Predavač na samosvojstven način prenosi svoje bogato znanje i iskustvo kako bi ste i Vi nakon kursa mogli samostalno da nastavite usavršavanje, dobijete motivaciju da investirate, zaradite novac na berzi i naravno, popločate put ka Vašoj finansijskoj slobodi. Izjave poput: „Ovo je pouzdan pokazatelj. Zicer.“, „Što više izbacis emocije sa berze, bićeš uspešniji!“, „Ovo je moja omiljena strategija“ , „Na berzi je najvažnija disciplina…ok“ i mnoge druge su neformalni saveti koje nećete moći pročitati u nijednoj knjizi; potkrepljuju prezentaciju znanja i iskustva. U svakom slučaju Investiranje na berzi je kurs koji će Vas podstaći na akciju, edukaciju i profit. Kurs koji će Vam proširiti vidike, dati nadu, i otvoriti put ka Vašoj finansijskoj slobodi. Prijavite se

Got home at 10:30pm once again…I have to goto sleep soon so that I’m able to study tomorrow for another 12 hours straight.

They have us wound up pretty tight.  One of us got sent home today because he didn’t bring his nametag.  Haha.  Don’t know if that’s a good thing or a bad thing.  I mean, he gets to go back to sleep and study whenever he wants.

The training room that we study in is kept at 65 degrees or less so that we don’t fall asleep.  It works because it’s extremely uncomfortable, but sometimes I end up having 20 second blackouts where I think I’m looking at a page, but I’m actually sleeping with my eyes open.  There are four security cameras, one in each corner of the room monitoring us.  There are mics so they can hear what we’re talking about.  We basically have to study our fucking asses off this week.  The managing director told us that “you have to study until your heads hit the fucking table.”  He wasn’t being mean, he was being serious.  They’re trying to get us licensed as quickly as possible and we don’t have a lot of time to study and pass this test.  There’s only one shot to pass it.  There’s no retaking it at this firm.

The book is like 700 pages long with 17 chapters.  It’s not exactly a fun read.  Imagine cramming something that should take several months to learn in one week.  I have to finish this book by next week and at least semi-understand most of it.  There’s a five day intensive course next week where we go over everything for 10+ hours everyday.

Last night when I got back home, I immediately went to the supermarket to buy snacks and a case of Rockstar Energy.  The shit is starting to hit the fan.

One of our goals is to “Accelerate Your Journey To Home Ownership.”  This requires attention and discipline when it comes to monitoring your current credit score.  This in turn helps improve your chances of getting qualified with traditional mortgage lenders out there.

An important part of the rent-to-own program for our clients is to be aware of your own financial situation and how to improve it in order to become an equity building home owner sooner, rather than later.  A major part of your ability to qualify for a home will be your credit report and credit score.  You can pull the report yourself from many sources but we recommend Equifax Score Power which includes much of the information lenders and mortgage brokers need.

Here are some 3 quick things you can do right now to improve your credit score:

1. Pay Them! Obvious, right?  Repetition is also the mother of learning which is why we state this first.  Lenders need to see you can use credit responsibly.  The best time to begin rebuilding your good credit history is now!  We recommend three credit cards.  You MUST pay them on time every single month.  Also, make sure you keep balances low.  Once you increase the balance of your revolving debt it begins lowering your credit score dramatically. Get balances below 30 percent and you will see massive improvements in your credit score.
2. Keep Old Accounts Active. Your credit score is calculated using an algorithm based on information on your credit report compared to millions of others.  It likes long histories of wise credit use.  So if there is a credit card you have had for years, do not close it.  At the same time, make sure you are actually using it and paying it off every month. Active accounts are weighted more.  Sometimes with no activity on the account, credit card companies will not update it on your report.
3. Dispute Errors. People are not robots.  Sometimes mistakes happen or are overlooked leaving your credit score 20-30 points lower, or worse than it should be.  Look over your report carefully for any accounts that have been paid but are still showing a balance, a late payment that should not be there or any other errors that show up.  Deleting errors will help you big time!

There you have it.  Three quick steps you can take right now to begin dramatically improving your credit score.  A huge part of our client’s success with rent-to-own is that it gives them added responsibility and the long-term vision necessary in order to begin taking steps to manage and improve their finances.  These are just baby steps.  After all, we must all walk before we can run!

Start with tiny habits, implement and integrate them into your life.  Only then will you see results.  The results will motivate you to take it to the next level and you will soon realize that you can take on more and more habits that will lead you on the path to achieving your dreams of home ownership.

To your financial education,

Oliver Manalese
RentBusting Specialist

Keene – The Academy for Professional Real Estate Training announced the following individuals have completed real estate courses approved by the New Hampshire Real Estate Commission.

The Academy conducted a New Hampshire Real Estate Commission approved course on Property Management graduates of the class were: Jennifer Andrus, George M. Booth, Sharon B. Cargill, Howard S. Dicey, T. Michael Grenier, Kevin B. Hampsey, Carol L. Ives, Rita H. Johnson, Kimberly J. Knox, Lejla Kurevija, Emily K. Lagerberg, Mary Larsen, Athanasios Leristis, William A. Maxwell, Laurence R. Saunders, Virginia E. Wilson and Bonnie Wilson-Bowes

The Academy conducted a New Hampshire Real Estate Commission approved Pre-Licensing Course graduates of the class were: Patti M. Anderson, David M. Durrell and Catherine Smith.

Dick Thackston was the instructor for both courses. Thackston is licensed to teach both continuing education and pre-licensing programs in the state of New Hampshire; he is also a licensed real estate broker in the states of New Hampshire, Massachusetts and Vermont.

WebSphere Message Broker v7.0 has been released. See the WebSphere Message Broker homepage or the information center for more information.

FOR ACTUAL VIEWING AND PRESENTATION OF THE EAST TOWER AT ONE SERENDRA,

YOU MAY GET IN TOUCH WITH ME AT YOUR MOST CONVENIENT TIME

KIM TEH 09178440221 / 7594005

Got home late tonight at around 10:30pm.  I need to goto sleep soon and be ready for tomorrow.  My personal life is pretty much gone, but they did say “tell your friends and family you won’t see them for a month or two.”  Basically, anyone who’s not with you is against you.

We were in the training classroom all day today from 7:30am to 8:30pm.  Yes, you have to go into the office to study.  You can’t study at home.  On top of that, I don’t think we get paid during this study period.

A new group of trainees started today.  They had to remember the same pitch as me, and present it to a guy who’s now my senior broker.  As expected, these guys started shitting their pants when it came time to actually do the pitch.  People think it’s easy to remember a few lines on a piece of paper, but when you’re being drilled by senior brokers, it’s different.

Occasionally, I feel like I might snap and have a physical/mental/emotional breakdown because there’s all this stuff I will have to sacrifice in my life.  Then as I walk through Manhattan and I see homeless people and the average Joe, I remember that I’ve been presented with an opportunity that few will get.  You have to go through hell to get to heaven.  I forget sometimes.

China’s Haitong Securities says it will buy a 53% stake in Hong Kong’s Taifook Securities for 1.82bn Hong Kong dollars…. From BBC News. Full story

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Forgot to post for Sunday so here it is.

I basically didn’t do anything but relax and look for things to buy.

The End.

Episode 153 of the daily Toronto Real Estate Musing video blog. George O’Neill already proudly announced the Inaugural Social Media Marketing Summit for Real Estate to be held in Toronto on November 30, 2009. Today he outlines the ninth reason to attend. For additional information and to register see www.SocialMediaMarketingSummit.ca

If you are interested in Beach or downtown Toronto real estate or wish to discuss this topic further, please email George@GeorgeONeill.ca or leave a comment below.

Didn’t go into Wall St today but I did have to go into Manhattan to do some research.

I got back yesterday at 3:45am in the fucking morning, and I almost died while driving because I was so tired.  I was supposed to be in Manhattan at 10am today, but instead I got there at 1:45pm.  I walked around Herald Square and there were tons of people out shopping and enjoying their lives.  I have to put that on hold for a while.

Nothing really special today.  I have absolutely no motivation to go be social with people right now.  On the bright side, tomorrow is Sunday.