Who Is Negotiating Your Short Sale?

Imagine you are selling your home (it’s a short sale, you owe more than your home is worth). Let’s say you called the Realtor that sold you your home, they state they “do short sales”, so you say great- I can’t afford my home, I need to sell it and get a fresh start!

Sometimes- this is easier said than done. One question most home sellers don’t think to ask “WHO IS NEGOTIATING WITH MY LENDER”. This could not be more important! This is the person that will be calling your lender WEEKLY (well you hope), will have updates and will get the short sale approved.

There are a couple of options for negotiators:

1. The Realtor negotiates themselves (I personally prefer this – I like to control the deal, know where we are and hopefully keep the buyer interested). My duty is to my Seller to get the short sale completed so they can move on with their lives.

2. The Realtor hires a third party negotiator (this could be another Realtor or a company who negotiates these deals). The downfall with this scenario is YOUR Realtor never quite knows where the negotiation is. The third party negotiator claims they call every week, gives really lame updates, and generally takes about twice as long to get any short sale done.

So why on earth do Realtors use these third party negotiators?

Well – I think in general, most Realtors don’t want to follow up weekly, they would rather pass on that duty. However, there are too many potential pitfalls.

Pitfalls of a Third Party Negotiator

* Short sale takes too long- buyer gets antsy and cancels the deal. The Seller is left with no buyer
* The short sale takes twice as long- every month the Seller is getting another ding on their credit for the missed payments
* Short sale doesn’t get completed- the Negotiator wasn’t watching the Foreclosure date and the home forecloses

Stinky The Garbage Truck: The Most Sought After Christmas Present!

If you are looking for a unique and innovative toy for your kids this Christmas then Stinky the Garbage Truck is just the right toy for you! He’s the latest addition in the very successful Big Rig Buddies product line by Matchbox and features funny sound effects and flashing headlights and can even say tens of different phrases! Stinky will definitely be one of the most sought after toys of Christmas 2010!

Stinky The Garbage Truck has five play modes and once your kids are done playing with him for the day, he can be very easily be turned off! Simply pushing him or moving him around will make him do all sorts of funny stuff like flashing his head lights which also double as his eyes!

Stinky’s sound sensors can be found on his smoke stack while others are located on his rear door and on the bottom of the toy!Thanks to the high-tech circuits built into Stinky The Garbage Truck all his movements and actions appear to be random and natural, right as if he’s got a mind of his own! So your kid will never guess what he’s going to say or do!

The real fun starts when Stinky gets hungry! His front grill also doubles as his mouth and you can place all kinds of small objects inside it including small cars and other toys! But don’t worry, he doesn’t really eat them! He just stores them inside him and they can be unloaded whenever you want, wherever you want! Stinky The Garbage Truck also functions as a real trash truck! You can load things into his trash compartment which can be later dumped via his rear doors!

To make him unload his “trash”, you just have to pull on his smoke stack! He makes some really funny noises while he’s doing this and when he is finished, he always says “excuse me!” which will surely bring a smile on your kid’s face!

Pulling the smoke stack will also result in him making various other fun sounds and movements, he can even perform a funny and cute song and dance routine! He just rears up on his rear wheels and starts singing his crazy songs! If you leave Stinky the Garbage truck alone for too long, he will eventually switch himself off and look like he’s sleeping! When it’s play time again, all you have to do is push his smoke stack!

Included in every Stinky The Garbage Truck Package, is a DVD with the an animated movie about the adventures of Stinky and his Big Rig buddies, as well as the batteries needed for his operation!

Stinky The Garbage Truck is the perfect Christmas present for kids aged 3 and over! This high-tech robotic toy will become their new best friend. It’s made by top toy manufacturers Matchbox which guarantees that it’s of the highest quality! The bonus DVD movie, really makes this toy an excellent value for your hard earned cash!

Some Tips on Wedding Presents

Marriage Ceremonies are some of the most big and joyful celebration in one’s life – and all the better if you’re not the one getting married! I love going to friends’ and relatives’ wedding parties. I love seeing them happy, and who doesn’t like a good festivity? But there is one inevitable cunning fact with weddings – the wedding presents. Wedding presents are extremely puzzling and too much incredibly stressful. What is the precise amount to consume? How do I choose the present? Should I give money? Fortunately, there are many really acceptable ideas on how to pick out the good wedding gifts, and I have a few ideas that will help make a point you never dismay wedding gifts again.

The is the easiest thing that could ever happen to wedding presents. Fundamentally, the married couple is telling you exactly what they desire! Most registries are big and offer many kinds of gifts to adapt any budget. As far as how much money to spend on wedding gifts, a good guidepost is to expend under $150 for colleagues or casual friends and anyplace from $110 and up on close relatives and friends. With this criterion and the existence of registers, wedding presents are facile.

Some persons do not would like to give wedding gifts from a register. Maybe you think it is not very creative. Perhaps you prefer to surprise the couple with something they did not expect. Maybe you suppose it is not very personal and your want your wedding gifts to stand for something. Fair enough. Perhaps I suggest cash? All jollying aside, cash still excellently viable as an option for wedding presents. No married couple will turn down an envelope or check. Simply make sure you cognize where to put it at the reception. The groom or bride is usually the incorrect choice.

Finally, if you want to give wedding presents that could mean something special, suppose setting up the couple with a gift certificate they can utilize on their honeymoon. Evidently, this stands for you’d have to know where they are going, but if you can buy them a romantic dinner or health spa treatment when on their honeymoon, this can be an excellent and memorable choice among all the more foreseeable wedding gifts.

The truth is there’s no such thing as bad wedding gifts. Everyone loves gifts! Just give it a little thought and care, and you’ll have no problem selecting wedding presents for all the lucky grooms and brides in your life!