Often times I get calls from clients that have been charged with a Minnesota DWI or other criminal offense, and the first question they ask is, “What do you charge?” That is not the first question that should be asked of an attorney. When you need a criminal defense attorney to be aggressive and fight your defense, what you need to know is what your attorney will do for you.

When you hire an attorney that will charge a flat fee based on the amount of work necessary to defend you in a Minnesota court, the cheapest attorney is usually not the best. It would be a serious mistake to hire an attorney based on the amount of the fee alone.

The State of Minnesota and the county prosecutors have almost unlimited resources when it comes to prosecuting and proving the charges against you. You need to hire an attorney and pay a fee which will allow him to put time and effort into your case and aggressively defend you. If you hire your attorney based on the lowest fee, that criminal defense attorney may be planning to have you accept a plea, rather than defending you on the charges. He also may not have the right experience with Minnesota Criminal Laws.

As an example, I recently spoke with a client who was charged with DWI and possession of ecstasy pills in Carver County, Minnesota. He had been referred to me from another client I previously represented. The City of Chaska police had made a traffic stop, made an arrest, then searched the car. As I spoke with the client, I knew there were several issues that would require a contested evidentiary hearing, and that we would successfully be able to keep some of the evidence out of trial. I quoted a reasonable flat fee based on the amount of time that I knew I would have to invest in defending this client, and

I later learned that he had hired an attorney that quoted a lower fee, and that attorney had the client plea to a charge that was very defendable.

When you hire a Minnesota criminal defense attorney, don’t always hire the one with the lowest fee. You want personal attention, and aggressive representation from an experienced attorney. That attorney should also charge you a reasonable fee based on your specific case, not necessarily the same fee for the same criminal charge. Have the attorney you talk to explain possible issues, and the basis for his fee.

I am willing to provide you an initial consultation for free, and I will be able to assess your case and tell you how much a reasonable fee would cost. Call me if you have questions concerning the criminal charges against you.

-John Scott
612-840-8961

As per the Bay East Association of Realtors, Days on Market (DOM) for the Fremont area year-to-date is around 69. The median attached home price in Fremont for September was $561,900. As of the last day of September there were 210 active homes in Fremont. At current selling rates this means there is approximately 1 month of inventory in Fremont remaining. 

Are you looking to do a short sale? I specialize in Short Sales. I have had a 100% success rate with my short sales. Are you a For Sale By Owner? I can show you ways of selling through Help-U-Sell to save thousands of dollars and sell your home quickly for a low set fee.

If you are looking to buy a home in the East Bay,  or a list of Mission San Jose Fremont Homes for sale, Real Estate listings, California Real Estate please call Meena Gujral at 510-279-9580 or go to my website at:

http://www.helpusellachievers.com

Homes Sold by Meena in Fremont

Fremont Homes Blog

Meena Gujral

Help-U-Sell Achievers Realty

510-279-9580

Mission San Jose listed by Meena

As per the Bay East Association of Realtors, Days on Market (DOM) for the Fremont area year-to-date is around 71. The median single family home price in Fremont for August was $575,000. As of the last day of August there were 224 active homes in Fremont. At current selling rates this means there is approximately 1 months of inventory in Fremont remaining. Inventory is very low and there are many buyers in the market who are unable to find a home. Most listings are selling over asking price with multiple offers in a few days of being on the market.

Are you looking to do a short sale? I specialize in Short Sales. I have had a 100% success rate with my short sales. Are you a For Sale By Owner? I can show you ways of selling through                  Help-U-Sell to save thousands of dollars and sell your home quickly for a low set fee.

If you are looking to buy a home in the East Bay, please call Meena Gujral at 510-279-9580 or go to my website at :

http://www.helpusellachievers.com

Homes Sold by Meena in Fremont

As per the Bay East Association of Realtors, Days on Market (DOM) for the Castro Valley area year-to-date is around 84. The median attached home price in Castro Valley for September was $505,000. As of the last day of September there were 107 active homes in  Castro Valley. At current selling rates this means there is approximately 2 months of inventory in Castro Valley remaining.

Are you looking to do a short sale? I specialize in Short Sales. I have had a 100% success rate with my short sales. Are you a For Sale By Owner? I can show you ways of selling through Help-U-Sell to save thousands of dollars and sell your home quickly for a low set fee. If you are looking to buy a home please call Meena Gujral at 510-279-9580 or go to:

Castro Valley homes for sale

Homes sold by Meena in Castro Valley, California

My listing in the Mission area

I have had two transactions recently where I have faced appraisal issues in Mission San Jose Fremont, Ca. In one of them I was representing the seller and the property appraised $20K less than purchase price. The buyer and seller agreed to split $10K each where the seller came down $10K and the Buyer brought in an additional $10K and we successfully closed escrow. It really helps when the client is willing to take the advice of the agents and do what is necessary since no one can control the appraisal decisions.

In the second transaction I was representing the buyer and the appraisal was only $10K under the purchase price. The seller refused to budge on their price. The buyer did not have the additional cash plus he felt he did not want to pay more than appraised value. Needless to say we lost the deal and the buyer walked. The seller has not been able to get an offer and the property is still on the market.

As you can see, appraisal issues are everywhere. We need to deal with them and try to make it work out where both the sellers and buyers are satisfied at the end of the day. Putting the house on the market is not the best solution. You will face the same problem again. Plus everyone will want to know why the house came back on the market. When they hear it was because of appraisal issues, the offers will come a lot lower than your last one so you may as well work with what you have in you hand and get it closed. Hope that helps.

If you are looking to sell your home for a LOW SET FEE or how you can save thousands of dollars when buying a home or selling your home, call Meena at 510-279-9580

To see all the homes I have sold and listed in Mission San Jose and other areas of Fremont, go to :

Homes Sold by Meena in Fremont 

http://www.helpusellachievers.com

Meena Gujral, Realtor

Help-U-Sell Achievers Realty

40083 Mission Blvd, Fremont, Ca. 94539

510-279-9580

Sell your home for a Flat Fee with Help-U-Sell Achievers Realty !

1. We handle all negotiations, paperwork, contracts and counter offers to get you the best possible price and maximum net proceeds.

2. We open escrow, manage your transaction through the closing, and communicated with you regularly!

3. We guarantee in writing to advertise your property every Week on many internet websites.

4. We use our exclusive marketing system to get you buyers.

5. We notify potential buyers currently looking for a property like yours.

6. We hold Open House with professional full color property brochures if you chose that option.

7. We cooperate with other agents and put your listing in the MLS if you choose that option.

8. We assist in pre-qualifying buyers and help them obtain financing (there are many options).

9. Take Digital Photos for flyers, internet sites and Virtual Tours. Place Open House ad in more than 20 websites.

10. We itemize your closing costs and give you a written estimate of your net proceeds.

11. We help you avoid problems, assist you should and arise, and work to save you money in all the hidden parts of the transaction.

12. We coordinate with lenders, appraisers, inspectors and other professionals and help you until closing.

13. In other words we are Full Service Realtors with the ability to save you thousands of dollars in commission.

14. We give you staging tips and make your house show its best.

Call Meena Gujral at 510-279-9580 for more information to learn more about our flat fee options. I have been selling Real Estate for 23 years.

Help-U-Sell Achievers Realty

510-279-9580

DRE license # 00950378

http://www.helpusellachievers.com

40083 Mission Blvd, Fremont, Ca. 94539

Annapolis, Maryland: The capital of the great state of Maryland situated on the beautiful Chesapeake Bay and, in addition to countless museums, theaters, and other attractions, is home to the famed United States Naval Academy. What many people DON’T know, is that it is also a place for great neighborhoods, great locations, and great real estate. 

Annapolis is a GREAT place for boating and water recreation.

Here are the facts and figures:

The total inventory of available homes in the Annapolis, MD market in June, 2009 was 825 homes (which breaks down to… 

• 781 Real Estate properties
• 0 new homes
• 44 foreclosures

• The average estimated value of a home in the State of Maryland is $264,820
• The average estimated value of a home in the City of Annapolis is $542,786 (this is up 0.13% from March 2009)

This puts Annapolis WAY above the rest of the State of Maryland. A great indicator of a strong housing market. The average estimated value can also serve as an indicator which says that purchasing a home in this area will yield a positive return.

• In JUNE 2009, the average sales price of a home in the State of Maryland is $273,945
• In JUNE 2009, the average sales price of a home in the City of Annapolis is $803,349 (up 0.56% from March 2009)

This indicates that the City of Annapolis is a very demanding and increasingly pricey housing market, which is GREAT for sellers and great for buyers with a larger budget. 

There were 13 total sales in the month of April 2009, this is down overall, but this number is on the rise. And the average home spents 94 days on the market.

What do all of these facts and figures REALLY mean? Well, although we are seeing the same trends in Annapolis that we are seeing nationally, the higher sales price and average value of homes in Annapolis prove that this place is on high demand. Sellers will get a higher price for their home and buyers with a larger budget will be sure they are getting only the best homes.

For sellers in Annapolis (and the entire state of Maryland) consider selling your home with Justlistem. You will save, on AVERAGE, over $8,000 on commission by just paying a flat fee of $299 to list YOUR home on the MLS. 

Justlistem: Where the Conversation to Sell YOUR Home Begins.

Recently many small business owners are finding that a  more creative approach to billing fees works far better then a static  traditional one way fits all approach.

I have found that a flat fee works very well, even in a traditional hourly billing relationship. This allows the client to know exactly what the price will be. Then once established you can finance the fee over time with weekly, monthly or whatever time period makes sense. This is the best of both worlds a fixed price paid over time.

In other situations, when success is measurable a fee can be determined by the degree of success. This is hard to generalize about as different businesses have different metrics and determining your value added service is sometimes a challenge but sometimes clear and obvious. If you can determine the effect of your effort in bottom line dollars bill accordingly, it will work for everyone.

I am not a big fan of hourly fees. but if you must then sell in small units, bite size sections, all adding up to a larger number but with small commitments along the way, affordable and it works for all involved.

Here is another approach, if your fee is a larger fee, and the job is done in a short time, finance your fee split it up over a number of months, as many as required to ease the cash flow burden and get the deal done.

Discounting of course is the bane of all business men these days, as it is very common for tradespeople and other businesses to bill so low there is little or no profit at all, but it gets the job  and the extras ,the change orders, earn the profit. Low ball to get the bid get the job and then live off  the extras it pays for the men… and provides some profit on the extras.

Loss leaders can also do the same. Bringing in the client with unusual offers that are possible even below cost and then earning  repeat business or expanded business.

Give aways and gifts also successful tools for bringing in business and retaining clients. Bartering works under specific circumstances. It is true that under the current economy people are spending less, want quality not quantity and want a good deal. This is a challenging time for every small business owner but with challenge comes opportunity. Figure out how to bill effectively and beat your competition to the punch.

One of the easiest and effective cost cutting tips for small business owners is to review their merchant service account.  Now is the time for businesses to go over their expenses with a fine-tooth comb and eliminate as many expenses as possible.  For many small businesses, the difference between closing the doors and being profitable boils down to a couple dollars per month.

So why is the merchant service account often overlooked?  The main reason is because the business owner has switched credit card processors several times chasing the empty promise of cost savings.  This left a very bad taste in their mouth to say the least.  And to top it all off, they are constantly assaulted with cold calls promising the “lowest rates in the industry.”

What can a business owner do avoid this headache? Pay close attention to the Do’s and Don’ts

The Do list

• Do look for a credit card processor that offers interchange-plus pricing (ask for it by name)
• Do shop at least three providers
• Do buy your own equipment (most terminals are $100-200)
• Do take time to audit your monthly statements

The Don’t list

• Don’t sign a contract that has an early termination fee
• Don’t use a provider just because you already have an established relationship, ie your bank, Costco
• Don’t lease equipment or software under any circumstance
• Don’t pay an annual fee, application fee, or monthly minimum fee

This is a great time for business owners to switch their credit card processing because many processors are feeling the economic crunch.  Processors are more likely to lower their rates, and their profits, to get the account rather than not get the account.  As a result there are some real cost savings to be had.  For example, we are saving our clients an average of over 50% per month on the new merchant accounts that we sign up.

The bottom line is your bottom line.  Keep it Black!

Reid Wilson, ChFC

BlackLine Capital Partners

www.BlackLinecp.com

There’s a very simple rule of thumb when it comes to leasing credit card terminals.  Don’t do it.  This is the biggest rip off in the industry and one of the main reasons for the negative stigma attached with processing.

Most merchants have sat down with a sales rep and been shown a slick lap top presentation that shows how much better the new low qualified rate you’re being offered is than your current rate.  They guarantee debit savings and an increase in business by….wait for it….placing Visa and Mastercard stickers on your windows and doors.  The end of the presentation comes with an impressive number that this new set up will save you (let’s say the provider says they can “save” you $200.00 month).  But wait, there’s more.  Out of these savings the provider is going to take back a set fee every month to pay for the new terminal they’re giving you(let’s say this fee is $60.00).  So your total savings is $140.00 a month AND this new terminal will be replaced if anything happens to it and updated when new technology comes out!  Here’s the catch.  To get all this you have to sign a five year lease.

Now let’s do some quick math.  You’re paying $60.00 a month for 60 months.  That’s $3600.00 for a terminal that costs $200.00 if you buy it outright.  This is where the sales rep begins to convince you how great their customer service is and how responsive they will be if you have any problems.   They may go as far as to give you a guaranteed number of new terminals you will receive because of advancing technology.

How do you avoid a lease scam?  There are some very simple principles.

1. If a  company is requiring or strongly suggesting a new terminal either take them out of consideration or Google the terminal they are trying to sell you to see the actual cost.
2. Don’t do business with any company not offering interchange plus pricing.
3. Always make a sales rep show you on paper how they got the amazing savings they are offering you.
4. Check the company’s website you’re doing business with….if they don’t have one refer to the rule of thumb in the first paragraph.

There are numerous companies pushing leases every day.  The only reason to buy a new terminal is if your existing terminal is broken or out of compliance (go to www.pcicomplianceguide.org if you have questions).  Remember, the main thing to know about leasing a terminal is DON’T DO IT.  Call an industry expert with any questions you may have.  Until next time, consider whose bottom line your provider is protecting…..if it’s not yours….it’s time for a change.

http://www.blacklinecp.com

One of the biggest mistakes made by merchants is shopping rate as opposed to pricing model.  90% of merchants shop providers based on rate alone without any consideration to the actual pricing model they’re being set up on.  This leads to merchants being furious when more than 70% of their processed transactions downgrade to higher rates.  Understanding the way your specific pricing model works can save you hundreds of dollars each month.

The most common model in the industry is the Tiered pricing model.  This model sets Qualified, Mid Qualified, and Non Qualified rates for the cards you accept.  These rates are qualified for by a combination of swipe type, card type, and owner presence in the transaction.  The Qualified rate is always the lowest (usually in the 1.64% range) followed by the Mid(usually in the 2.50% range) and Non Qualified rates(usually in the 3.50% range).  The first trick with this model is that only 30% of merchant’s transactions receive the Qualified rate.  The other 70% downgrade to the Mid and Non Qualified rates which are usually marked up anywhere from 1-2.5% from the Qualified rate.  The second trick with this model is how it prices debit cards.  Debit cards process at a lower rate than credit cards (for example debit interchange is 1.03% compared to credit interchange at 1.54%).  In the Tiered model this 51 basis point spread is made every time a debit card is processed at the Qualified rate.  Due to the expanding popularity of debit cards (usage ranges from 50-85% depending on sic code) and the profit made, this is a fact rarely mentioned when covering rates with merchants.

Another pricing model to beware of is the Billback model.  The Billback model uses a fixed interchange price (usually a lower rate in the 1.80% range) that is applied to all transactions regardless of qualification level.  The merchant is then billed back for the difference between the fixed interchange rate and the actual interchange qualification rate for the transaction.  This allows processors to bill the initial transaction rate plus the difference from the actual interchange qualification rate.  In plain terms the merchant is billed twice for one transaction.

The importance of understanding your pricing model cannot be stressed enough.  It can literally be the difference of hundreds of dollars monthly to your bottom line.  If you find yourself on one of these models call an industry expert immediately to examine your options.  There are models that make great sense for merchants to use.  The challenge is finding a provider with your best interests in mind.  Until next time, consider whose bottom line your provider is protecting…..if it’s not yours….it’s time for a change.

Nelson Wickersham

BlackLine Capital Partners

www.BlackLinecp.com

If your business is not processing using the interchange plus pricing model make the switch immediately.  Every major corporation in the country uses this model to their benefit.  Interchange plus pricing takes the guesswork out of your processing.  You will no longer have to worry about downgrades.  In simple terms, Interchange is the base rate being charged before any mark up from your bank or merchant processor.  All banks and merchant processors use the same interchange fees.  I REPEAT: ALL BANKS AND MERCHANT PROCESSORS USE THE SAME INTERCHANGE FEES.  The difference between processors is the mark up and pricing structure.  Interchange plus pricing allows merchants to know exactly what their mark up will be on every transaction.  This is the secret to providing merchants with the most cost effective solution for their specific business.

Nelson Wickersham

BlackLine Capital Partners

www.BlackLinecp.com

It seems like credit card processing calculators are becoming more and more popular everyday.  At first glance, the idea of these calculators seems great.  They are often presented as a tool that will allow business owners to see how much they should/could be paying for their monthly credit card processing fees.  But how accurate are these calculators?

Being in the industry as long as I have, I have had the opportunity to review and use several different calculators.  Every time a new one comes out I approach it with excitement and hopes that this will make my job easier.  Unfortunately, this is never the case.  It has been my experience that the online rate calculators are more of a marketing item designed to collect prospect data than anything else.

What I can’t decide is if the creators of these calculators ever intended them to be useful tools or not.  After all, there are so many variables that go into a single transaction that creating a credit card fee calculator that produced an accurate output would be nearly impossible.  I find it very odd that there are hundreds of interchange categories that a transaction could be considered, yet most online calculators assume the lowest qualified rate.

With all the advances in technology it is feasible that we might someday have the luxury of an accurate credit card processing fee calculator.  But until that day comes, it’s best to put your trust and your credit card processing in the hands of a reputable merchant service provider.

The bottom line is your bottom line.  Keep it black.

Reid Wilson, ChFC

BlackLine Capital Partners

www.BlackLinecp.com

3 common credit card processing practices to avoid

Not a day goes by that I don’t hear of another unfortunate tale of a business owner falling victim to a credit card terminal leasing scam. As the economy slows and times become tough the old saying, “desperate times calls for desperate measures”, seems to take on a new meaning in the merchant service world.  This is one of many pitfalls gaining popularity in an industry riddled with half-truths and empty promises.

The credit card processing industry, as a whole is experiencing intense competition as sales reps compete to get there hands on and keep as many merchant accounts as possible. Business owners are successfully pitting several sales reps against each other to secure the lowest possible markup on their card transactions.  Instead of relying on a high markup on processing, reps are now looking for more creative ways to squeak out a profit.

Here are a couple things to be aware of and to avoid at all cost;

1. Credit card terminal leases

These are a great way for sales reps to make up for the decreases in processing fee commissions that they are experiencing.  Typically lasting 4-5 years with an average cost of $40 per month, a business owner can spend over $2,000 on a $150-200 piece of equipment.

The Solution: Purchase a terminal outright.  With all the businesses failing these days it is possible to buy a used terminal on eBay or craigslist for $50-100.  If money is tight, your processing company might rent you a terminal for a couple months until you have the funds to buy it.

1. Cancellation Fees

Sales reps might be willing to settle for a lower processing markup if they can slap on a contract with an early termination fee.  Most contracts are for 1 or 2 years with an early termination fee of $200-600.  If your rep tries to convince you to sign a contract, find another company.

1. Hidden Fees

These can be a very expensive hidden secret awaiting you on your first bill.  Make sure you know exactly what you are being charged per transaction, batch, address verification, monthly statements, compliance fee, etc.  Most importantly, understand the total cost you are paying for your service.  Credit card processing companies are getting very creative with their statements.  Hint: The amount listed on the top of your statement is probably not the total cost that has been deducted from your account.  Look for a line item that says “less discount paid” or something to that effect and add it to the amount listed on page 1 to see how much you really paid.

In a time when belts across the country are being tightened, choose your merchant service provider with extreme care.  And remember the bottom line is your bottom line.  Keep it Black!

Reid Wilson, ChFC

Blackline Capital Partners

www.BlackLinecp.com

There is a lot of buzz around the merchant service industry around the interchange-plus pricing model.  As the level of understanding increases at the merchant level, so does the popularity of interchange plus pricing.  Once upon a time, merchants were forced to use a tiered or standard pricing model.  Years and thousands of accounts later, merchants are catching on to the scams that have plagued the industry.

A common practice is to quote a lower rate for a merchant’s qualified transactions, usually in the neighborhood of 1.65%.  The merchant is so excited by the low rate that he/she signs up for the new account without paying any attention to the mid and nonqualified rates which can be as high as 5%.  The result is higher total processing fees due to a majority of the merchant’s transactions downgrading to the mid and nonqualified buckets. (Most merchants process 75% of their transactions as mid and nonqualified)

This tactic along with many others has made the topic of credit card processing a sore subject among merchants.  In the attempts to gain clientele, some processing companies have decided to offer interchange-plus pricing to their merchants.

Interchange-plus pricing is a model that was once reserved for only the largest of merchants.  In the simplest of terms, interchange plus pricing takes the fees charged by Visa and MasterCard and adds a fixed percentage to compensate the merchant service provider.  For example: a merchant setup on interchange plus 30 basis points would pay 1.58% to the credit card provider (Visa or MasterCard) and .30% to the processor on a qualified transaction for a total of 1.88%.

The nice thing about this model is that the merchant always knows the markup regardless of the card type being swiped.

For example:

• a qualified card cost is interchange for qualified card plus 30 basis points
• a rewards card cost is interchange for a rewards card plus 30 basis points
• a commercial card cost is interchange for a commercial card plus 30 basis points etc…

Interchange plus pricing is a step in the right direction for an industry that has been a victim of unscrupulous and deceitful practices for very long time.  Now if we can just get rid of all the equipment leasing scams………..

Reid Wilson, ChFC

Blackline Capital Partners

www.blacklinecp.com

Wouldn't YOU want to wake up to this?

Another featured city this week: ORLANDO, FLORIDA. That’s right. Home of Universal Studios and, of course, Disney World. However, not only is Orlando home to amazing tourist attractions, but also it is home to great…. well, HOMES!

The real estate market in Orlando is one of the fastest growing markets in the country. Being such a centralized location in Florida allows Orlando to draw in all sorts of business, commerce, and new people. Orlando is located about an hour from Daytona Beach and an hour from Tampa Bay on the east and west coast’s of Florida, respectively. It is also extremely accessible, housing one of the largest international airports in the country!

Oh, yeah, and as I mentioned, home to Mickey & Minnie Mouse. Who wouldn’t love THAT?

So, what makes the Orlando real estate market so hot right now? Well, as we all know, the real estate markets around the country have seen a huge downturn over the last few years, but are beginning to rebound. Orlando is no different. Although sales are down from years past, the Orlando Regional Realtor’s Association (ORRA) reported this week that in April, members of the ORRA sold nearly SEVEN times more homes in the lower-range category than in the upper-range category — this is extremely indicative of a rebounding economy and housing market. Basically, this means that buyers and sellers are starting at the bottom, and working their way up. It’s a cycle. Sales in a lower category gradually stimulate sales in other categories: i.e. supply and demand. 

Orlando is also home to incredible neighborhoods rich with community and culture. Springs Landing, Magnolia Plantation, and Sweetwater Oaks are just SOME of the neighborhoods in and around the Orlando area with beautiful homes, great schools, and fun activities. 

Here is some raw data regarding the Orlando housing market:

• There were 3,412 NEW contracts posted in the month of April 2009, nearly double what was filed in April of 2008 (2,012). 
• There were a reported 1,741 COMPLETED closings in April of 2009, a 42% INCREASE in closings from April 2008 (1,231).
• The median price of ALL Orlando homes sold in April  was $132,900. This is a decrease of 37% from April 2008.
• The average interest rate increased to 4.86 percent in April, up from March’s record low of 4.67%.
• Of the 1,741 sales in April, 49.68% of the homes were either bank-owned (733) or distressed (132).
• The median price of the bank-owned homes sold in April was $89,900, while the median price of distressed homes was $146,000.
• The median price for the “normal” homes (876) sold in April was $161,245.

What does this all mean? It means that the Orlando market is surging and on the rise. NOW is the time to buy while housing prices and interest rates are low. 

Should you sell now? If you are looking to sell your home, now is a GREAT time. With the influx of traffic to the Orlando area housing sales are on the rise. The statistics above show that the market is improving and that sales in a low-price range are ultimately stimulating sales in the upper price ranges. 

If you do choose to sell your home now, consider selling your home with us, Just List ‘Em. By selling your home on your own, you are guaranteed to save thousands of dollars on commission. Instead of losing 6% of the home’s selling price to a realtor, you get to keep that money and simply pay a flat fee of $299 to list your home on the MLS (multiple listing service). 

So, for example. If your home sold at the MEDIAN price of $132,900, a realtor would charge you approximately 6% of the selling price, of the home, which equals out to around $7,974. If you were to sell your home with Just List ‘Em, you would pay the FLAT FEE of $299, and that’s it. You would save $7,675. That’s a lot of money if you ask me. 

Just some of the MANY reasons why Orlando is THE place to buy and sell a home right now.

You should be!

This is a subject  similar to one I  wrote about a few months ago -losing your intellectual property rights by signing them away online. It’s a  different side of the same cube – having your written content, designs, photos, (“stuff”) stolen and used without attribution or remuneration.

It happens all of the time, not in a small way due in part to the internet’s vast and unrestricted frontier atmosphere. That, and some people are

• unaware of intellectual property rights. or
• pretty sure no one will ever find out, or
• thieves

To read a very clear and concise article on this subject, please visit Freelance Switch . A really informative website and well worth a visit.

If your sportsbook business seems to be growing now is the time to consider delegating the management responsibility to a sportsbook professional, yet how can you find the PPH Service that can comply with all of your needs as an entrepreneur?

The first thing you need to do is get familiar with what a so called headcount sportsbook is and how it works. Basically, no matter if you have 5 or 100 clients, a good and professional PPH service should provide you with the same top notch service, yet they also require a few things in return.

If you are looking for professional offshore bookmaker service they would not only offer you great service and knowledgeable clerks, they will also ask you what percentage of your clients use the phone service and which the online sportsbetting system, they do this to plan ahead for big games, making sure they will always have enough staff, bandwidth and everything needed so you won’t lose any money.

Keep in mind that a PPH service should provide both choices: online sportsbetting and just as important a call center service. Your players should always be able to reach either one to ensure all their action will be taken, no matter what.

Don’t be afraid to ask about technical stuff: how many servers they have, what kind of sportsbook software they use, how big is their call center staff, anything at all. A professional PPH service won’t hesitate to provide you with all the information you need, after all you are their client and your success is their success.

Also you need to be realistic: why would someone offer a flat fee regardless of the type of customers you have when it is known for a fact that call center customers end up costing more than online customers? A real sportsbook professional knows this and knows that these services need to be paid.

Avoid getting ripped off by researching possibilities, people who know what they are doing, especially in the sportsbook business don’t hide their resources and are not hesitant on letting you know how their business works.