kw.com Hello and welcome to This Month in Real Estate, I’m Jay Papasan Our Top Story a recent study reveals the most popular updates sellers made to a house prior to listing it with an agent. But first, the numbers … And now, our Top Story. Recent research reveals the top three updates sellers make in preparation for listing their house … • Painting the house came in at number one • Flooring came in at number two • And the third most popular update was to the light fixtures Surprisingly, sellers spend almost twice as much money updating their house while they lived in it than they do getting it ready for sale. For more, we turn to News You Can Use. Staging your house the right way is one of the most important things you can do to make sure your house sells. According to a recent survey, a properly staged house sells faster and for more money. From the moment a buyer steps on your property, they are trying to envision their life in the home. So start where the buyer starts — with curb appeal. Some things you can do yourself include trimming trees and bushes, planting annual flowers, and re-painting the front door. Inside, make sure the entryway is spacious and inviting. Your real estate agent knows that most buyers depend on their impression of the entryway, the kitchen and the master bathroom to make their decision. Lastly, a word about depersonalization: think of your house as if it were a hotel room. When you check in, you don’t want to think of the other people …
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If you were awarded a structured settlement, but you need your money now, you should think about selling your settlement for a lump sum payment. Many companies offer free, no-obligation structured settlement quotes that will allow you to see how much money your settlement is worth.

Many people are awarded structured settlements in personal injury, worker’s compensation, liability, harassment and malpractice cases. The payments in these awards are made in installments that can last months, years or even a lifetime.

However, you may need the money from that settlement now to, or example, pay for your child’s college tuition or make a down payment on a new house.

In most cases, sale of structured settlements is regulated and you may need court approval for the sale. You are always advised to consult with an expert in negotiating a structured settlement sales contract.

You will also likely lose the tax benefits provided by a structured settlement if you sell for a lump sum payment.

However, if you definitely need the money in your award to meet urgent financial requirements, you should shop around for structured settlement quotes. Not every offer will be the same, so look around for the best deal for your settlement. For example, JG Wentworth and Peachtree may actually give lower offers than smaller, less-known competitors.

Make sure the buyer of the settlement is a professional company with an established reputation. Ask about their qualifications and for references on the quality of their work.

A professional company can also analyze your situation and advise you on whether selling your structured settlement is the right choice in your particular case. Once sold there is no turning back, so you want to make sure you are making the right financial decision.

With a structured settlement quote, you can see if the cash payment will meet your immediate financial needs or not. At times it may be better to hold off on selling your settlement until a later date in order to get the best deal for your money.

Also, you may want to only sell some rather than all of your monthly payments. A partial sale of your structured settlement may suffice in meeting your immediate needs, so that you continue to reap the tax and other benefits of installment payments.

In all cases you should consult with experienced professionals in this field to ensure you are able to make the most informed decision possible. This is too complex to attempt on your own without increasing the risk of making the wrong choices.

If you need immediate cash to meet your financial needs, shop around for buyers, and use their free structured settlement quote services to see which one offers the best deal. But also remember to check that the company is established and reputable.

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Have you ever observed the Stock dealer’s screen having market operators glued to it with anxious, anticipating glances? The screen shows rows of figures in a dynamic state, changing instantaneously. Now, to analyze these figures closely, let’s go back to the definition of “market”. A market is a place where the sellers of a product (or service) and its buyers converge. The market forces of demand and supply determine the price at which the trades are affected i.e. the price at which the sellers are willing to sell the product and the buyers are willing to buy the product.

Similarly, the Stock Market is the place where the sellers and buyers of shares of companies trade and the same forces of demand and supply determine the price of trade. The share market provides an electronic platform, unlike the normal markets where the buyers and sellers are known.

The orders are placed and executed electronically through a stock exchange which gives its dealers electronic platforms to place bids to buy and sell. The stock exchange server maintains an order book for all the orders that its members place (whether buy or sell). The software determines the price of a stock based upon the demand and supply. Here is a simplistic example of how this is achieved. The stock of Company A is currently trading at $ 30.7800.

Buy orders Sell Orders

Shares Price Shares Price

600 30.800 800 30.7800

400 30.775 700 30.775

It can be seen above that the buy orders at this price (demand) is 600 shares while sell order (supply) is 800 shares. As supply is more than demand, therefore the price of the stock would fall. In this case, the next lower order is at 30.775.So the next instant price would be 30.775. It must be noted that the order book is in a dynamic state and contains all the orders of the members. This is the microscopic view of changing demand and supply and corresponding prices of the stock. This is a very fast process almost taking fraction of seconds. In the real life, it is hard to make out such interaction and supply and the “stock quote” at any instant gives the price of any stock at any given time.

The price, volume and other details comprise the Stock quotes at that instant if the market is open or closing price if the market is closed. The other accompanied details apart from price are

Volume – The total number of shares traded
Closing price – The Previous Closing price.

There are other details as well. Let’s see a typical example of stock quote of Microsoft Corporation as on 19/06/2009

Last Trade – 24.07
Trade time – 4.00pm
Close – up 0.57 (up2.43 percent)
Previous close – 23.50
Day’s Range – 23.75-24.34
52wk Range – 14.87-28.92
Volume – 115,458,922

There are many websites that also give other parameters like EPS (earning per share) P/E price earning ratios etc. These data help to make competitive analysis of stock with respect to its past performance, stock of companies engaged in similar business and with respect to the main indices of the market.

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www.kw.com MARCH Hello and welcome to This Month in Real Estate. I’m JAY PAPASAN. Our top story the secret to getting your house sold more than a month faster than the competition. But first, the numbers. [NUMBERS] MAIN And now, our top story. According to KW research almost half of sellers who price their house according to their real estate agents’ interpretation of its market value sold almost twice as fast and for more money than the competition. For more, we turn to News You Can Use. NEWS YOU CAN USE Many sellers like the idea of pricing the house high at first to test the waters. This strategy certainly helps to sell houses. Unfortunately, the irony is that the houses that sell won’t be yours. That’s because pricing your house high only provides a high comparable for other houses for sale in your area. The fact is that many buyers’ agents will actually show your house to clients with the aim of showing what a steal the house down the street really is. For those buyers, seeing is believing. Smart sellers price right in order to get good offers early—in the first couple of weeks. You do not want to do anything that risks your house becoming “old and stale” in the eyes of buyers and buyer agents. Yes, a buyer can always make an offer. You just want to make sure it’s on your house. For more information on pricing your house to sell, talk to your local real estate agent. MAIN That’s all for This Month in Real Estate. Thank you for joining us.
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