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

Grandfather Clocks – The Perfect Wedding Present

You are invited to your best friend’s wedding and you are wondering what to give the happy couple as a wedding present. In a few days, you’ll be dashing around store after store to look for the best gift money can buy.

But this is not just any ordinary gift! You are giving it to your best friends. You want it to be special. You want it to be unique. How do you manage to get the perfect, unduplicated gift possible? Well, you can opt to be creative and personalize it and make it yourself, or you can buy it. There are three ways that can guarantee you to the perfect wedding present.

Use Your Imagination

Some people are blessed with a special innate creative talent for creating things out of nothing and making them special. Some people can make soap or scented candles, or make knitted things. But these are too common. You might end up having your gift returned.

However, some people also have the uncanny ability of things that are technical in nature. If you have this, then you’re in luck. You can most probably make something that they will most probably use at their new home, that no one else has ever thought about. Try a grandfather clock as an example. Maybe if you have a knack for woodwork, you can make this magnificent piece of art by itself just from a few how-to’s on the Internet. However, only a small percentage of people actually have this ability and has the time to do it. If you really insist, you might actually end up giving the grandfather clock on their silver wedding anniversary.

Alternatively, you can also opt to buy them a grandfather clock and you will surely know that you will be able to give it to them on time and know that it will be always used for many years to come.

Personalize Your Gift

Although it would be just fine to wrap your present and send it on its merry way to the couple, it would be extra special if you could personalize it. If you know the couple well, you should be able to find something uniquely special for them. You can have a personal message added to any gift, like a grandfather clock with their last names etched on it and or the date of their wedding. Make the gifts unique to them and they will appreciate the thought and effort you put into it.

Still Clueless? Get Creative!

Choosing a wedding present has become quite difficult in the past couple of years, making it difficult for avoiding giving duplicate gifts. However, that is the common case because if you have no talent at all for handmade gifts, let alone have the words to have it personalized, you are in big trouble. You are thinking way too mainstream.

However, you can make sure that your gift won’t be returned if you decide to turn it into a worthwhile project that you put some effort into. A grandfather clock, for example, is not your run-in-the-mill kind of wedding offering. You end up having an inimitable wedding gift for the deserving couple. They will truly take pleasure in it and benefit from it for many years to come.

Bad Christmas Presents For Your Wife

Shopping is not an activity that most men enjoy. Especially when it involves a big crowd, long queues and expensive price tags. However, husbands cannot escape shopping for a Christmas present for their wife. It is a time for you to show how much you appreciate and love her. Getting the right gift is important. Get the wrong gift and you send the wrong message. If you don’t want to be an “insensitive” husband, avoid getting things in the list below which I deem to be bad Christmas presents for your wife.

Household appliances

Do not be tempted to buy household appliances such as juicers, breadmakers, vacuum cleaners, food processors or cappuccino makers as a Christmas gift. Yes, it will lighten her load and help out in her chores. However, gifts are not about making life easy for her. In my book, it shouldn’t even be considered a gift but rather a household necessity. Gifts are about making her feel good about herself. It’s a message saying how special she is to you and how much you love her. Don’t get me wrong. You can buy household appliances for her. In fact, you should. Just not as a Christmas present.

Clothes

Too many things can go wrong if you decide to buy clothes for her:

  • wrong size
  • she may not like the material
  • wrong color
  • don’t fit well.

If you believe this is the best gift, then take her with you or be 100% sure it is something she wants.

Self Improvement books or CDs

Women are very sensitive. Give a self improvement or CD for a gift and she will very likely interpret it wrongly. You may think you are doing her a favor but she will not see it that way. Gifts should not in any way point out her weaknesses. So, stay away from those recipe books and how-to guides.

Chocolates and Teddy bears

These gifts are too generic. It shows that you didn’t put much thought into it. They are not special enough for a Christmas present. Plus, if you have children, they would think it is silly for mommy to be playing with teddy bears. Gourmet chocolates is an okay gift but would be better as a random gift. For example, surprise her any time throughout the year as a way of saying “I appreciate you” or “I’m thinking of you”. If you want to give chocolates as a Christmas gift, make sure it comes with something more personal like jewelry.

Decorations

I’m talking about something that you would put on a wall, table or shelf just for display purposes. So, no ugly lamps, statues or paintings. The exception would be if you framed up a nice picture of her, the family or both of you together. If it’s meaningless or does not trigger an emotion (other than disgust and disappointment), don’t get it.

To get the right Christmas gift for your wife, take some time to ponder what she wants. Don’t think so much about what she needs. Here are some hints:

  • She wants a break. She wants some time away from chores, work and kids.
  • She wants to be pampered.
  • She wants to feel loved. Inject some romance into her life.
  • She wants to know she is special. Give her something personal that reflects your love for her.

Happy shopping!