Will I be able to get my past rent back from landlords, due to the fact that their home is being foreclosed, and i paid during that time. There trying to sell it now. Also 2 days after they told us they were going to sell, real estate aagents put up a sign,took pictures of our house, and wanted toshow it 4 days later. Thank you.

Quick Property Sale

I earn £30600 gross a year but am not sure how to get a mortgage. I can only seem to get £70,000 - £85,000 on online quotes. This would not buy anything where I live in essex. A 1 bedroom flat is average cost of £130,000. So how would I go about gettting this size mortgage?? Any suggestions please x

Quick Property Sale

And the agent told us that if we were interested then we would need to pay a referencing fee of £140 (£70 each) so they could do credit checks etc as well as the deposit (one months rent). We though this sounded a bit much, I spoke to my sister who told me that when they went through the referencing process for their flat they paid £70 (£35 each). This was around 9 months ago. I know that different agencies will charge different amounts but I was wondering if anyone could advise me what the average should be? I am in the UK, just outside Bristol.

Quick Property Sale

I am taking out a mortgage on my own for a flat. I have a full time job that is temporary for 3 more years but likely to continue beyond that. Apart from buildings and contents insurance, which other insurance products do I actually need? I’m not sure if I need life insurance at my age and I know that if I am off work through sickness, I get paid 63 days full pay and 63 days half pay.

Real Estate Professionals

Hi Anybody can advise me on the following.

First, while I’m collecting $1k HDB deposit from my buyer, I requested him to sign my service fee agreement. He said he’ll sign my service fee agreement when he exercise the option to purchase.

Then, when I failed to convince seller to let them have the key of the flat and renovate the apartment before the sale completion. They even want to charge their rental on me if they incurred rental due to the delay of the renovation. He sms me and followed by phone call won’t pay me service fee.

While exercising the Option to Purchase, I requested them (husband & wife) to sign my service fee agreement, he said will pay me definately if after the 1st HDB appointment, I can liase with his contractors and the seller to let the contractors access the flat for the renovation quotation purpose,before the sale completion. So that they can get the renovation quotation early.

But, on Sat (2/2/08) evening which just after 1 day of exercise the Option to Purchase . They out of sudden sms me to request for 2nd viewing on Sun 4.30pm.The date they requested is so rush and the seller has Chinese New Year reunion dinner with the family and unable to do it. My buyers got furious and again sms and called me to tell me that they are not going to pay me for the seller can’t let them access to the apartment on the date and time they requested.

I only got sms from the buyer, which he wrote won’t pay me sms as everything he requested can’t be done. Their unsatifation of my service are:- 1. not able to convince the seller to let them have the key and renovate the flat after 1st appointment, 2.the date they requested for appoinment, seller can’t make it..But, they didn’t put into account that the date given by seller they can’t make it. They can’t accept when the things they want being requested to change or rejected.

I don’t have service agreement signed by him. What action can I take to recover my service fee? They keep saying their agent friend didn’t collect service fee from her buyer. He called me and said will asked his agent friend who has 10 years over experiences in HDB to liase with me in future and they will not pay me and won’t talk to me anymore.

Kindly advise how shall I handle this kind of unreasonable buyers. I have from my boss if they don’t sign my service fee agreement, I can’t go to Small Claims Tribunal. And all other agents said count yourself bad luck, no way to deal with them.

I feel that work as a realtor has no protection at all. I have been all the times just listen to his scolding, shouting…..just don’t want to make thing more difficult. But, after they have exercised the Option to Pucrhase, they just find a unreasonable excuse which beyond my control as seller has reunion dinner and unable to go all the way to let them haw 2nd view, they claimed that my service no good and just don’t pay.

Many thanks

Repossession

I moved out of my apartment in April 2006, and my landlord still hasn’t returned my security deposit. I live in New York and the deposit is 2,200

Sell and Rent Back

Design Coffee Shop will begin operations in July 2009. Plans also include undertaking a small expansion with 6-8 months of beginning operations.”

Brief outline of your business concept:

Design coffee shop is company involved more greatest the originally coffee shop It providing graphic design and marketing communication services. it not provide big business . It just likes a small business
Every day, millions of Americans wanted to sit down and enjoy the smell cup of coffee and lay back & see the background artwork from graphic design artist.
“A person had dreamed to spend more than 50 cents for a cup of coffee. A few years, now they glad to pay $1 to $4 for their cappuccino, mocha latte or vanilla ice blended drink
The specialty-coffee business is growing at a healthy pace.
The completive the Starbucks, The Coffee Bean, Pet’s, Dietrich’s and other major chains serve average quality drinks in establishments that have the same generic design appearance. Indeed, Starbucks and The Coffee Bean are often referred to as “fast food” coffeehouses due to their “cookie cutter” design. Now that Americans’ coffee preferences have broadened and matured, many are asking for more from their design coffee shop

Vision and Mission Statement
The design coffee shop will become the more like small museum. We will serve a perfect product at a very competitve price We will also be a meeting place for graphic design artists and a place for them to show off their work. We will create an atmosphere conducive to creative expression and promote the creative process.

Our primary goals over the next year are:

1. Secure financing for start-up of at least $1,000 for space and equipment.
2. Renovate our space in San Berniorndio.
3. Acquire equipment necessary for business, i.e. coffee pot, cappuccino machines, blenders, etc.
4. Make agreement with coffee distributors, and bakery vendors.
5. Create a cozy, artist friendly environment (i.e. choice of colors, choice of music, decor)
6. Open for business and become the foremost coffeehouse in the area.
MARKET OPPORTUNITY
Ownership
The Design coffee shop is a general partnership between Lisa and Sandy Mason. Each partner is equally financial involvement in operation and management of the shop, each to her own abilities.
Location and Facilities
The Design coffee shop is located in the Old Town section of San Bernardino, California. We currently own the building we will occupy, though painting and renovation are sorely needed.
Products and Services
Description of Products and Services
The Design coffee shop will offer high quality coffee, tea, hot coca, and cappuccino, at a very reasonable price.
we also buy cooking from other store.
Key Features of the Products and Services
All drinks will be made with filtered water and the highest quality ingredients we can get.
Frozen drinks will have caramel or chocolate syrup drizzled in the glass and over the drink. Cappuccino and hot coca will have whipped cream toppings as well as the option for candy sprinkles. Cookies will have the option of a chocolate or caramel dip and sprinkles.
We will offer designer flavored cream and five kinds of sweetener, i.e. sugar, honey, Equal, Splenda, and Sweet-n-Low. Cream and sweetener is at no extra charge.

Production of Products and Services
We will use only filtered water and will brew our coffee in commercial coffeepots that will be thoroughly cleaned between uses.
Future Products and Services
Within the next three to five years we expect to branch out into catering and offer homemade pies, whole or by the slice.
Comparative Advantages in Production
Our low overhead and cheaper pricing will be the key to our success.
Industry Overview
Market Research
There are other businesses that serve only coffee in our Old Town.
Size of the Industry
Nationally, the coffee shop industry is quite large, but in somewhere, there are more. Key Industry
Trends
This industry is booming at the present time, there is a trend toward small cozy places and away from the large generic chain.
Industry Outlook
The coffee business does not show signs of slowing down. With new innovations such as flavorings and additives, it should continue for some time.
Marketing Strategy
Target Markets
Our target market is a artist and writers who need a nice quite cozy place to think and do their work.
Description of Key Competitors
Of the three coffee shops in the area, one is a large chain with a very expensive product, one is really a home-style restaurant, the last one, and our biggest competitor is an antique store with a “tea room”.
Analysis of Competitive Position
Our pricing strategy and comfortable atmosphere will be the key to our success. None of the other shops in the area can offer this.
Pricing Strategy
We will offer three sizes of drinks, small $1.00, medium $1.50 and large $2.00.
Our cookies and brownies will sell for $1.00 each
Promotion Strategy
We intend to advertise in the local newspapers and offer a “frequent drinkers club” discount to our best customers. We will also send out ads via direct mail, which will include cents off coupons.
Management and Staffing
Organizational Structure
Our organizational structure will be a simple pyramid style with the owners putting in as much work as the employees. Pyrimid a tall hierarchical structure, in other words, then I would be the boss, with a general manager working as your employee, who has a team, that on its turn supervises the employees. I think I mean a Flat structure (with the owners being “one of the guys”)
Management Team
April and Arlene will share management and supervisory responsibilities equally. Arlene for the morning shift. April for the afternoon shift.
Staffing
We will hire two busboys and two waitresses; these will be recruited from the local high school.
Labor Market Issues
In this area there are many high school students looking for work, part time or full time, we want to fill that need.

Market Risks
The main risk is monetary. The area may not be ready for a place like ours and we may not do a great business.
Implementation Plan
Implementation Activities and Dates
. Complete renovation 2/15/09
Purchase and set up equipment
Interview staff
Hire staff
3. Begin preliminary advertising 2/15/09 (Not yet)
Operate for 1 week unannounced (to get the kinks out, people notice “new” businesses, word of mouth will get out there, be ready)
Notify local newspaper your grand opening will be (no advertising cost, you’ll be swamped!)
4. Purchase and setup equipment 2/15/09 (This is mentioned above.)
5. Open for business 7/1/09

Financial Plan
Balance Sheet
Current Assets:
Building $150,000
5 computer $
Furnishings $5,000 if I go for a good atmosphere, you’ll need more than that probably, unless you get money from the government (you are promoting culture in the end!)
Equipment $1,000
Cash
Arlene $5,000
April $4,500
Accounts Receivable
None
Inventory
Coffee $1,000
Tea $500
Other Assets
Cups $3,000
Total Current Assets
$182,800
Liabilities:
Accounts Payable (monthly)
Water $200
Phone $150
Electric $500
Donut Vendor $1,000
Warehouse Club $1,000
Coffee Distributor $1,000
Wages $5,000
Advertising $1,000
Taxes Payable
Property Taxes $500
Employee Taxes $2,000
Operating Loans Payable
Startup Loan $500
Printer $ 97
Total Liabilities
$12,947 on going per month
Projected Income
March 05
Coffee $6,000
Tea $2,000
Cookies $1,500
Donuts $2,500
Misc. $4,000
Total Income for March
$16,000
Total Projected Net Profit (Cost/Benefit)
$3,150 for March
This would assume 20 pots of coffee sold a day, plus an assortment of other items. This also assumes the market will not increase or decrease due to weather or economics. This would be an average month.

Real Estate Professionals

I live in pa and thought that after the 2nd yr I could apply this to the last month of the second year since i am staying for a third. Pa LAw prevents holding a security dposit of more then 1 month after yr 2 of a lease. But the law says nothing about the final months rent??/Its a legal gray area

Rent Back

We moved out in Oct. 2006, for the last few weeks our last landlord is trying to tell us we owe him “back rent” and he kept the security deposit for damages. When we moved in it took me 2 weeks to clean it so we could move in . The past tenants were put in jail and there were piles of garbage in the house.
For 18 months he would not fix exposed wires, no back door”for 6 months”, broken drawers, mushrooms and sex stuff painted on the walls up-stairs, and the floor in front of the sink where my foot went thru. When we moved out the landlord said “this is the cleanest apt. anyone has ever left me with.” For 2 months after we asked for a final tally and were ignored. now almost 10 months later we were told he was keeping the deposit for the damages and we owe him back rent. He continues to harrass my wife at work because he know’s where I would tell him to go.

Rent Back Fast