Hgtv 2012 Green Home At Serenbe, Georgia

HGTV has chosen to build their 2012 Green Home in the Serenbe community, located just 30 miles southwest of Atlanta. Serenbe is a sustainable development in the rural community of Chattahoochee Hill Country. The HGTV Green Home fits right in with the building standards of Serenbe, where all homes are EarthCraft Certified. The community preserves 70% of its green space, and the buildings have a minimal impact on the surroundings.

The HGTV Green Home resembles a farmhouse, with a modern floor plan and eco-friendly features. The home has 3 bedrooms and 2 baths in 2,300 square feet. The contemporary kitchen has custom hickory wood cabinetry, stainless steel appliances, and a dual fuel range. The countertops are a terrazzo blend material which includes recycled glass. The main level master suite has its own private outdoor courtyard. The upstairs kids bedroom has a unique loft area for playing games and watching TV. The homes layout encourages outdoor living. The Georgia Room functions as an indoor/outdoor space with two walls of sliding French doors that open to the outdoor decks. The primary outdoor space at the Green Home is a large barbecue deck off the kitchen, complete with a built in barbecue and an outdoor eating area. There is also a courtyard off the living room, and a covered seating area off the detached garage.

The Serenbe community is designed with villages or hamlets, each one having residential and commercial property. The villages are connected by roads and walking trails. The entire community is pedestrian friendly, and green space protects the wetlands and watershed areas. Businesses located within the Serenbe community include restaurants, galleries, shops, a medspa, and a market. A 30 acre certified organic and biodynamic farm provides fresh produce for the Saturday market, which is held from May through October. Tours of the farm can be arranged. Serenbes amenities include an inn and conference center, an outdoor amphitheater, and a playhouse which offers three summer productions. A stable arranges guided trail rides, and bikes and golf carts may be rented.

The public may tour the HGTV Green Home from May 4 through June 24, 2012. Tours are given Tuesday-Sunday from 11am-7pm. The home is closed on Mondays. The tours last approximately 30 minutes, and ticket prices are $20. Proceeds from the tours support The Serenbe Institute and The Chattahoochee Hills Charter School. People may enter twice a day for a chance to win this fully furnished HGTV Green Home. Entries may be done online at HGTV.com and HGTVRemodels.com through June 1, 2012.

Check detailed info about Real Estate in Bangalore

The agreeable atmosphere of Bangalore averts the delicate maturity from the lashing hotness or icy waves. There are plentiful of green extends and water figures in Bangalore to give it a stylish look. Very few might realize that Bangalore keeps pace with the most recent IT advancements as well as keeping a scud the changing form patterns. MG Road and Brigade Road showcase the changing styles in style. The youthful IT experts therefore stay up to date with the most recent trendy extras, attire and style. The hot-and-incident society of the city has taken the real estate in Bangalore to new statures. Advancement of real estate in Bangalore

Bangalore has seen a stamped build on the amount of residential, retail and business lands. The rapid development of IT area has launched the populace figures in the city. An increment in populace has thusly sounded the cornet for more amazing accessibility of space for business, retail or residential reason. Confronting the mass request of reasonable lands, the legislature and private manufacturers are both prepared to lessen the shortfall. The area available to be purchased in the suburban areas of Bangalore has seen an extreme valuable modification as contrasted with the earlier days. Well in this regard the real estate in Bangalore got a real help when Nris began putting power in the real estate area of the city. y.

Get the best infrastructure

The flood of outside firms moving to India to create a base began with Real Estate Bangalore; the city welcomed multi-nationals from the IT area and prepared for different urban communities to stroll on the same lines. The cosmopolitan society of Bangalore helped the westerners to acclimate rapidly to the earth. Real estate in Bangalore is seeing both vertical and flat developments.

The whole city has residential flats and flats being produced in the accessible spaces. There are some extravagance condominiums being manufactured with wonderful civilities like pool, spa, Jacuzzi, exercise center and sports officials.

Notwithstanding the townhouses, Real Estate Bangalore has numerous high profile ultra extravagance villas with remote regulated access for family apparatuses. Planet class Malls are spotting the city line and the interest for office space has experienced a gigantic ascent.

Real estate industry in the city of Bangalore has miles to go. Eastern parts of the city, incorporating areas of K. r. Puram, Bannerghetta Road, Kanakpura Road, Marathahalli, J. p. Nagar, Sarjapur and Jayanagar have seen noteworthy advancement in the real estate part.

Author Bio

The author is associated with Empyrean, which is a leading provider of residential and commercial properties including houses, flats condominiums, lifestyle bungalows and various other types of commercial properties in the city.

The Difficulty Of Taking Out A Second Home Mortgage

Good news: the current scenario for second home mortgages is now more relaxed than the previous years. The boom in real estate has made the bank rush on the second home market once again. Thus competition for this area is heightened, which gives the buyers more chances to take on a second home mortgage. Lenders would want to explore the second home market since most people who want to buy one are more affluent and has more capacity to pay.

Here are easier ways to get second home mortgages:

HOME EQUITY LOAN

You could turn your home equity into cash and allow you to finance your second home mortgage. The two types of home equity liability are home equity lines of credit and home equity loans. Both are also called as second mortgages because your first property is given as collateral.

DOCUMENTATION

Like purchasing your first home, you must be able to prove that you have the financial capability to buy a second home to may it easier for you to get a second home mortgage. Basically you need to prove that you can afford to pay two mortgage payments.

Example, instead of taking on a 15-year term on your first mortgage, you can refinance it to a 30 year term to lower the monthly amortizations and have excess funds to cover the second home mortgage payment.

CREDIT HISTORY

A credit score of 700 or higher is a good number for you to increase your chances of getting a second home mortgage without a hitch. A credit score lower than 700 may enable you to take on a second home loan but at the risk of higher interest.

SECOND HOME ON A LEASE

If you rent out your second home, you have to prove to the prospective lender that it will give you ample cash flow, especially if you want to highlight that other source of income in your second home mortgage application.

But many lenders are wary in giving you a second home mortgage if you’re going to lease out your property. They have encountered difficulty disposing of mortgaged properties on lease. You can get a second appraisal for this but this will be costly on your part since you have to show the prevailing occupancy rates. And even though you can prove rental income on lease property as other source of income, your lender might not still take that into consideration.

Taking the above things into consideration, the bottom line is, getting a second home is easy as long as you can pass the 3 C’s of credit:

Character- if you are trustworthy of being given a second home mortgage

Capacity – if you have enough funds to pay an additional loan

Capital – if you have other assets than can be used by lender as payment for your loan in case of payment defaults.

All in all, if you are reasonably credit-worthy, getting a second home mortgage shouldn’t be terribly difficult. Do your homework and due-diligence, mind your credit history and information, and shop around for competitive mortgage lenders and banks.

Ottawa Neighborhood Tips When Purchasing Real Estate For Investment

It is important for you to investigate the city neighborhoods when you have made up your mind to invest in a property. Ask yourself this question: ‘Will investing in a swanky neighborhood be cost-effective as a form of investment?’ Generally homes in an expensive part of town will cost too much and are not worth your money. While you may be able to find rare gems and bargains once in a while, it is safer to purchase a home in a less classy Ottawa neighborhood.

At the same time, you should not focus on real estate in a low class neighborhood either. Some homeowners don’t take proper care of their property in these areas. Not only are the properties more difficult to rent, it may also be challenging to sell them in the future.

Be cautious of communities where there are too many homes for sale. There could be an underlying reason for this situation. Perhaps everyone is leaving the town for greener pastures elsewhere since they do not feel safe living there any longer. You do not want to come in and take over such a property.

Visit the local police to ask for crime statistics of the neighborhood to determine if it is a safe place to reside. If you take a look at the multiple listing service or MLS, you can also assess recent property sales in the area. Make an appointment with a real estate evaluator to check for the price averages in recent years and ask if that neighborhood is a good place to invest in property.

Network with fellow real estate investors and get a feel for the value of certain neighborhoods. Ask for recent trends of a given Ottawa area and find out its future potential value.

Overall, you need to look for gems in Ottawa neighborhoods that are not too luxurious but at the same time are not low-value areas. If an area appeals to you, evaluate its market value as a community and start looking for a property. Remember, the better the area, the better your chances are for landing a great investment deal.

Choosing Your Boat Building Designs

As the ultimate do it yourselfer, you may look to boat building designs to find not only that perfect boat but also the one that is within your abilities to build. Even if you are a beginner, you can find plans to assist you in building a boat whether it is a simple design or something a little more complex.

Beginners can learn to make a variety of boats such as inboards, houseboats, human powered boats, outboards, power cruisers, sailboats, workboats and even special purpose vessel. Those of you familiar with the designs of Ken Hankinson can even find plans to recreate his famous designs. You can choose to build boats according to material such as aluminum, fiberglass, steel or stitch and glue constructions.

Special purpose watercraft include airboats, boats made especially for kids, drift boats, ducks boats, flats boats, fold up boats, glass bottom boats, kayaks, paddleboards, paddlewheel vessels, pedal boats and tugboats. You can even buy trailer plans so that you can build your boat at home then transport it to the water.

Even after you have decided the primary type of boat you want, you still have choices to make. For instance, if you choose to build a sail boat, do you want to make a dinghy, a take-apart sailing dinghy, a foam or fiberglass sailing dinghy, a sloop or a cat-rig? If you choose a human powered boat, will it be a river rowing drift pram or a flat-bottom rowboat? Did you remember to pick up plans to make the oars you will need to power your watercraft?

In many cases, you can buy boat building designs and accompanying kits that have all the materials you will need to undergo your project. Otherwise, you may have to individually buy some hardware and supplies like the application materials (glue, etc.), bow eyes, cleats, deadman throttle, drain plugs, eye and deck straps, fasteners (nails, screws, etc.), fiberglass fabrics and tapes, oarlocks and fittings, paints, sealants and wood filters and various safety supplies. You might also pick up a few book and DVDs to help you along with your written plans to ensure you do the job right.

Boat building designs are vast, but you should find something to suit you when you realize what you want. Building a boat can be a demanding but fun project to undertake to fill your weekends or any other spare time you can devote to the task.

Ewan Sheriff

Ewan Sherriff is a lawyer based in Dubai, previously for many years in the UK. He allows his private clients to access a variety of documents and files on his client website.

His expertise and services range from Banking and Finance to Private Equity and Ewan has a long line of satisfied customers and clients.

Professional Life
Ewan Sheriff began his traineeship with Alex Morison & Co in September 1990 until the end of August 1992. He had 4 seats during his two years , Wills Trusts and Executries, Residential Conveyancing, Litigation and Commercial Property. It was the latter that took his fancy, long having held an interest in that area Mr Sheriff left for Glasgow to join Semple Fraser Haniford DiCiacca where he worked until May 1993 before being attracted back to Edinburgh by Drew Wallace and David Cockburn of Archibald Campbell & Harley.

He had 8 very happy and rewarding years there carrying out a whole variety of work, commencing with retail tenant leasing for national retailers, taking stores for them in all major new shopping centre developments. Equally, his time at ACH occurred during the retail park boom and in several parks we negotiated to take more than 80% of the available space for their tenant clients. Ewans work then moved into the investment and development side and when leaving ACH had created a sound client following.

Ewan Sherriff continued his career at Shepherd and Wedderburn between 2001 and 2004 with increasing exposure in the investment and development fields , increasing client following greatly before leaving to head up Property at Dickson Minto in 2004. Whilst there they created one of the best known and high profile real estate teams in the UK carrying out fantastic high profile transactions, quadrupling turnover and team size within 3 years before the market change.

Family Life
Ewan married Kirstin on 6 July 2002 at Cromlix House in Dunblane and took their honeymoon in the south of Spain, travelling a fair bit before ending up in the beautiful city of Seville. Their first child, Niamh was born on 27 February 2004 and they have also been blessed with Ben and Finn who were born respectively on 16 August 2005 and 16 April 2008.
Having long held an interest in the Middle East, travelled there and transacted there the family decided to relocate there at the beginning of 2009, looking for a fresh challenge and a better way of life. The Sherriff family finally moved to Dubai in April 2010 and have never looked back.

Surname confusion
There has been widespread confusion over the spelling of Ewans surname on the internet, with many publications spelling it Sheriff when in fact the correct spelling is Sherriff. This has led to friends and clients unable to find websites operated by Ewan Sherriff and his family.

Wireless Surround Sound Systems

Household enjoyment is certainly not what it applied to become. And it is an excellent point. These days, you could just about have you dwelling enjoyment procedure any way you would like it. All you would like is usually a minor creativeness plus a tiny money. You’ll find all kinds of choices with regards to stereos, HD televisions, MP3 gamers, and wireless surround sound systems. After you get a peek in any respect which is provided in regional electronics shops, chances are you’ll be overcome with exhilaration. Soon after all, there are many alternatives, and lots of of them are excellent. They even have 3-D televisions for that property at this level.

Individuals consider distinct things after they assume wireless surround sound systems. The primary matter you have to believe about is your property. Do you reside inside a substantial residential residence, a medium-sized condominium, or even a tiny apartment? Also, how extended you program on getting there? In the event you dwell in a very smaller apartment, you might not prefer to go for an enormous 60-inch flat panel tv that mounts around the wall. Though it might sound cool, you need to take into consideration the dimension of the room inside residing spot. Also, in case you are planning to maneuver quickly, it may possibly be an ache inside the butt shifting that wireless surround sound method and Television to a brand new area.

There are a few cool websites to examine into when you are serious about wireless surround sound systems and HD televisions. These are Samsung.com, Bose.com, ZVOXAudio.com, and Sears. Study every web site carefully so as to find out what all they provide. This doesn’t get prolonged in anyway, and it could possibly be quite handy once you are attempting to choose amongst a number of unique wireless surround sound systems. Ensure you check out cost for every 1. In case you uncover one which you absolutely like, it truly is time to complete a bit more investigate. Verify into all internet shops and sites which can be offering this procedure. By doing this you will discover the most effective offer offered.

Choosing out a wireless surround sound program generally is a large amount of entertaining. Specially should you are in a very household you individual. By doing this you don’t ought to fear about somebody transferring it from a single spot to your upcoming. It could sound like absolutely nothing, but quite a few electronics get damaged or broken by doing this. So, while you are inside a site that you just prepare to remain in for any when, that is an ideal time to appear into wireless surround sound systems and higher definition televisions. There are many deals nowadays to benefit from. Particularly with a great number of new products normally coming out.

Factors To Consider Before Getting A Mortgage In Turkey

The Turkish residential mortgage market has grown significantly over the last few years mainly driven by falling interest rates. The New Mortgage law that passed in March 2007 further strengthened the legal background for both primary and secondary market triggering a sudden increase in the mortgage product variety. While there were only a few mortgage products before the new mortgage law, currently there are more than 20 different mortgage products for consumers.
However, the fast growth in the market has not been absorbed by the general public. Surveys show that more than 50% of the people don’t have sufficient understanding of the new mortgage system. Moreover, most people have the perception that the new mortgage system is a miraculous system that will let them buy houses without any savings and with very low monthly payments. This article addresses some of the misconceptions and draws attention to the reality by focusing on the real costs of mortgages.

Length of Loan and Interest Rate Relation: While some banks have started to offer mortgage loans up to 30 years in Turkey since the new mortgage loan passed in March 2007, currently the mortgage rates in Turkey are too high to get a loan with loan length of longer than 10 years. The consumers would be better off with loans less than 10 years.
To demonstrate the irrationality of getting a loan with a length of more than 10 years a simple comparison of monthly payments in a few cases will be sufficient. When monthly interest rate is around 1.30% for most banks, as it is in November 2007, monthly payment of only 2-year loan would be 4,877 New Turkish Lira (YTL). Extending the length of the loan to 10 years, would decrease the monthly payments to 1,650 Turkish Lira, a 82% reduction in the monthly payment. While 82% reduction in monthly payments is significant by extending the length of the loan by 8 years, a further extension in the length of the loan does not decrease the monthly payment significantly. For example, if the length of the loan is assumed to be 20 years, the monthly payment will decrease to 1,361 YTL, an additional 18% reduction from the monthly payment in one-year loan. So increasing the length of the loan an additional 10 years decreases the monthly payment by only 18% more. Even more interestingly, for 30-year loan, the monthly payment decreases to 1,313 YTL, an additional 4% reduction in the monthly payment for another extension of 10 years in the loan.
Let’s note that if the interest rates were lower, the optimum point for length of loan would be more than 10 years. For example, if the monthly interest rate were 0.5%, the reduction in the monthly payments would be 87%, 35% and 16% for 10 year, 20 year and 30 year loans respectively (as opposed to 82%, 18% and 4% with 1.3% monthly interest rate). Similar length of loan comparisons can be computed with a mortgage payment vs. length of loan comparison calculator.

Cost of the loan: Interest rates, commissions and fees
The most important thing consumers should do is calculating the real cost of the loan. The cost of loan includes the interest rate, expertise costs, insurance costs and most importantly, fees and commissions.
While interest rates of the banks are usually available on their web pages, most banks do not choose to publicize the commissions and fees upfront. There are cases when consumers apply for mortgage and goes through all the paperwork without any clue about the fees up until the last steps. Since it is usually known that fees are overlooked by the consumers, some banks offer low interest loans with significantly higher fees, which turn out costlier than the high-interest loans. Such incidents can be avoided if the consumers search internet for the mortgage costs. Kredihavuzu.com provides comprehensive information about the mortgage costs for every bank. Effective interest rates should be calculated to compare the real costs of the loan across different mortgage products with fees included in the costs.

Early Closure Fees:
Early closure fees up to 2% of the remaining loan apply to the fixed interest mortgages. Adjustable rate mortgages can be closed without any closure fees. If you have a fixed interest mortgage and interest rates fall, it may be harder to refinance. You may use the advanced refinance calculator to find the best refinance options for you.

Expertise Expenses :
Before applying for a mortgage, consumers should make sure that the real estate that they plan to buy is eligible for mortgages. Otherwise, consumers may need to pay the expertise expenses (between 250 to 600 YTL) without being able to get the loan.

Berk Akman is working for KrediHavuzu.com, Turkey’s leading online mortgage services company dedicated in providing up-to-date interest rate and fee information of the lenders, various mortgage tools and products for optimal mortgage design.

Prospecting Letter Tips in Commercial Real Estate Brokerage

There are a number of ways to prospect in commercial real estate. One of the more effective ways to do that is to send prospecting letters to key people and targets in your area. If this is something that is attractive to you in prospecting, then you will need to understand the letter system and implement it correctly.

The secret behind the success of the letter process is to make them relevant to the marketplace, and provide valuable insights to market conditions and trends. Over time, and through sending plenty of letters in a 90 day contact cycle, you are perceived as a market leader that should be considered when it comes to any new listing in the local area. That is when you will get a good share of invitations to present and pitch on listings.

Most clients and prospects want to use the best agent with the ‘runs on the board’. Prospecting letters set up that image and branding. Some agents believe that this is the only way to prospect. They would be wrong, particularly because this process takes many months if not years of consistent action to get the results coming back to you. Over a period of 12 months you should be sending 4 letters in a staged process. Every letter will have a new story or message to tell.

This letter based prospecting system is in addition to your cold calling, door knocking, and referral business. So you will have the other things to activate and run in parallel to your letter system.

Here are some rules to help you set up this valuable networking and prospecting process:

Letters should be sent to the right people by type and location. In this way you can judge the feedback and inbound enquires. Create letters for Sales, Leasing, and Property Management. That then helps you with relevance in each letter sent.

Follow up your letters wherever possible. Use the letters as triggers to make calls. They turn a ‘cold call’ into a ‘warm call’.

Letter frequency will always be important. At a minimum your letters should be going to the same people every 90 days. You can shorten that cycle to 60 days if you wish.

Track the conversations and enquiries that you get back from the campaigns. That will help you understand what works and how you can improve on that.

Meaningful messages should be created for each letter. Understand the ‘pain factors’ in the market today that apply to sales, leasing, and property management. Write the letters to the challenges that property owners and occupiers are suffering. Offer solutions.

Success letters should be sent to all businesses and property owners around each completed listing.

Marketing letters should be sent around all quality listings.

How to Install a Home Surveillance System

Home surveillance systems are becoming a popular do it yourself project for many people. The prices of the systems and their ease of installation and use have made it possible for the average person to put in a complete system in just a weekend with minimal help. This article what to look out for when choosing a system, some of the benefits of different types and methods for installation.

The first thing to remember is that a surveillance system is not going to stop someone from breaking in. If they really want to break in, they will. However, a properly installed system will provide evidence and possibly help catch the criminal. With that in mind, you want to plan your system out so that it provides the best chance of doing it’s job. Wherever possible, put the cameras where they cannot be easily reached. A system will do no good if the bad guy can simply come up from behind and smash one of your cameras. For this reason it is also best to avoid blind spots. A camera at every entryway at minimum. From there, you can put one on the corners angled alongside of your house or building so that you can get a good visual from all different directions. There are several options when it comes to deciding what type of system to install. One of the easiest and most popular is the “all-in-one” types which includes cameras, a DVR box and all necessary wiring. These are a good, inexpensive starter system but there are a few drawbacks.

Generally the camera quality is on the low end. The resolution is only fair and the night vision is very limited; ten to fifteen feet is about all that can be expected. Additionally the software on the DVR box can be difficult to setup. They often claim that the cameras can be remote monitored from a tablet, computer or smart phone. Setup of this is difficult at best, if it works at all. You also have to be sure to check what is included in the box. Some of these systems do not include the hard drive needed to record the video. Avoid the wireless camera setups. While this may seem like a great time saver and make installation easier the cameras are highly susceptible to interference and have a very limited range. Anything from a wireless home network to a microwave oven can cause the picture to become completely garbled. It is even possible for one camera to interfere with another.

Another option is to use a computer as the main DVR and run the cameras to it. There are DVR cards available which install inside the computer and include monitoring software. The prices for these cards range from around $100 for a simple four camera setup to over $1000 for up to sixteen cameras. The lower end cards will work, and you may be able to install additional cards if you want to add more cameras. The software on the inexpensive ones can be more difficult to operate and configure however. A quick Google search for DVR card will yield many results. If you go this route, it is recommended that the computer be dedicated for this purpose and nothing else. Depending on the DVR card you choose you may also need to install a separate video card inside the computer, check the DVR card documentation. It is also highly advisable to install a second hard drive. Keep one for just the operating system and use the second one to record the video to. This way you won’t have to worry about the video filling up the hard drive and not having enough room to keep the computer running. This option is a bit more advanced but allows for a much greater amount of flexibility. Maintenance of the system is minimal as long as everything is working. It is also easier to setup remote monitoring (usually, again it depends on the software). Software such as VNC or Log Me In makes remote control of the computer very easy with almost effortless installation. An uninterruptable power supply, or UPS, for the computer is a good idea. This way the system keeps running if there is a short term power outage.

There are a wide range of cameras available for both inside and outside monitoring. Prices vary widely along with the quality. As with most things, you get what you pay for, but you may not need to buy the most expensive system available. It all depends on your needs and the level of security you want.

Installation and wiring is going to be the most time consuming part. Be careful when drilling holes in walls and floors. You don’t want to hit a power or other utility which may be hidden. If you have any doubt about this part, hire a professional. Cameras need both a power and signal wire. Some setups allow you to run both as one cable. This greatly simplifies the process. Your system may need a separate power supply for each camera. This can become cumbersome very quickly. A better option is to buy a power distribution panel. These have one power supply that allows you to plug all of the cameras into in one spot. Then you only have one power plug to run to an outlet. This option also allows you to plug the camera power supply into a battery backup so that the system continues running during a power outage. Then you run the signal wires to the camera card or DVR.

Once your system is up and running it is time to adjust the cameras and make sure everything is working. This process will be a lot of trial and error as you move camera angles and check for blind spots. Also monitor them at various times of the day. As the sun angles change it may shine directly into a camera causing it to show nothing.

Be sure to maintain your system by keeping cameras clean and checking to see if they need adjustment. Spiders love to leave webs around and over the lenses. Outdoor cameras are susceptible to the weather. Wind can cause them to move or the mount to become loose. If you buy high quality cameras you should expect them to last even through the most inclement weather.

With properly chosen equipment and a solid installation you should expect many years of great service from a home surveillance system. Installing it yourself will certainly save you hundreds of dollars. It will also give you a sense of security. You may even qualify for an insurance discount, check with your homeowners insurance.