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Real Estate: The Consumers Will Have The Final Word!
�The first step toward change is awareness. The second step is acceptance�. --Nathaniel Branden
Change is good for the consumer and for the real estate industry. It fuels competition and drives innovation and efficiency. Yet, the real estate industry has seen little change during the last 50 years. Indeed, other than marginally lower commissions as a result of the introduction of �discount brokerage models,� the change is imperceptible.
Will the industry survive as we know it today? What will it take to thrive in the future?
Technology and changing consumer behavior will be the driving forces behind change, but not the only forces. What matters is what the consumers buy viagra want -- not what we think they want.
We searched for answers. We went from denial, to awareness, and finally to acceptance. The lessons were harsh but clear. We needed to listen and learn from the consumer. Here is what we learned and want to share with you.
Legislation and regulation can�t stop evolution and innovation.
It is not business as usual anymore. Prior success no longer guarantees the future viability of the existing real estate business model and profitability for the industry. While it has been a long and rewarding ride, its time has passed. However, there should not be any doubts that there is a bright future for the real estate industry. After all, real estate will continue to be the heart and engine of our economy. And it will be especially brighter for those embracing radical change and seeking new ways to serve the consumers. Those that embrace the change brought by evolution will succeed. Those that continue to use legislation to defend the indefensible will see their business succumb to innovative models that put the interests of the consumer at the center of the process.
Consumers have lost confidence in the traditional model.
Is anyone surprised about this? Have consumers been taken for granted? Did the industry forget that consumers are critical on both sides of the transaction? You would have thought that consumers would be in control of the process. Yet, ironically, consumers do not have any leverage because the power resides with intermediaries. Consumers� options are limited when buying or selling real estate, particularly for those who want to go about it on their own.
We hear frequently: �Why do we need to pay a 6% commission for selling our property?� That concern is being felt across the real estate industry, and order viagra while commissions are being reduced, the decrease is still not commensurate with the �homeowner�s perception of value�.
Homeowners believe that fees should be based on �the value of the services� and not on �the value of the property�. The adage that a rising tide lifts all boats has proved to be true in the real estate industry. This rising tide has brought housing values to record high levels. The good news for the homeowners is that their equity has increased. The bad news (which materializes at the time of the purchase and sale of property) is that such increase is completely independent of the contributions of third parties. It is simple market forces at work : supply and demand.
Consumers see through the lack of transparency.
Consumers know that you are not what you write or say, but what you do when no one is looking. Consumers want more transparency. They want all the myths to disappear. They want a leveled playing field, with unrestricted access to the tools and knowledge required for a successful sale or purchase. They want transactions that are �procedurally� easier alternative to viagra, smarter, cheaper and faster. They want to choose how to go about buying and selling. The one size fits all approach is not longer valid.
Because of this lack of transparency, consumers are paying more for less value. Consumers are working more, but not being compensated for their efforts. Over 74% of buyers are now using the Internet to search for properties, yet they cannot complete the process because the back end is controlled by intermediaries. Sellers who want to sell on their own do not have an �effective platform� to market their properties, unless they use the Multiple Listing System. The cost of representation currently based on the value of the property is archaic and does not reflect the realities of the times. The absolute value of commissions paid continues to increase and the beneficiary is not the consumer. It is the consumers� equity that continues to erode, while the economic benefits are enjoyed by the intermediaries. Simply stated, the time has arrived for the consumers to be in control of the process. After all, the consumers own the properties and who better than them to decide what to do and how to go about it. They are willing to pay for the services and guidance they need, but not as a function of the value of a property.
The traditional model does not reflect today�s consumers.
Advances viagra in technology and the ever increasing sophistication of consumers are destined to change the way home real estate is bought and sold. Did the industry fail to recognize changes in the behavior and expectations of homeowners and investors?
Today�s consumers are tech savvy, more independent, more sophisticated, more knowledgeable and want to be in control. They want to have choices!
Almost every traditional brokerage house has a web site mostly used to provide �photographs and summarized property information.� This is a step in the right direction, but not quite what the consumer wants. Consumers want access to the same information and tools that professionals have. They want a buy and sell process that is �easier, smarter, faster and cheaper�. Consumers know that the Internet has made it possible to have access to information and resources that in the past only were available to professionals. The Internet has also made it possible to provide these services at a fraction of the cost. Technology based models are not a substitute for good judgment, but they are more efficient and transparent. These efficiencies result in lower cost of representation, and access to information and know how that is completely unbiased and independent of the value of a property. Put another way, technology drives down the cost of representation!
Homeowners want real options, not a recycled traditional model.While real estate is a $ 1.3 trillion industry that is highly fragmented, there is little differentiation between options. The industry also exhibits behavioral traits typically found in oligopolies. Consumers have been led to believe that the process of buying and selling is complicated and unmanageable without the intervention of an intermediary. This is simply not true. Consumers want real options that remove the �fear, uncertainty, and doubt,� which historically has been foisted on the real estate transaction by intermediaries.
There are over 2.3 million licensed brokers and agents in the United States. Entry and exit barriers are low. In theory, it looks like consumers have a very large number of choices. In practice, that is not the case. Mostly everybody offers the same and there is little differentiation between companies, business models, and services provided by brokers and agents. Consumers want �real choices,� not variations of the existing business model.
Currently, home owners that wish to sell their property have two options: (i) sale by owner (FSBO); or (ii) a contractual engagement with a licensed real estate broker or agent.
For those owners who desire to sell their property themselves, advertising and valuation tools are virtually non-existent. Their intent is to avoid the high commissions sought by brokers, but they are restricted in their advertising and analysis capabilities.
Looking to take advantage of the market necessity for a FSBO real estate solution, a plethora of market developers has begun to introduce solutions in this area. Nonetheless, these developers have focused on creating revenue from either individual online FSBO advertisements, advertisements from or referrals to third-party real estate professionals, lead generation, or some basic set of information services/tools with limited capabilities. These are legitimate alternatives for some but not for all.
Real estate consumers are actively seeking alternatives.Consumers have an infinite appetite for information and knowledge. Web based applications have made that possible and there is no turning back. According to a 2004 report from the National cheap viagra Association of Realtors, the Internet has rapidly become the preferred method of property search with over 70 % of homebuyers indicating that they utilize it as their primary source of property listings. In fact, 2003 marked a milestone in the technological evolution of the real estate industry. That year, for the first time, more buyers used the Internet than newspaper advertisements as an information source. Buyers are doing most of the work, yet they find themselves having to go through an intermediary. Buyers do not buy the myth that �Commissions are paid by sellers.� They know these commissions are part of the gross purchase price and paid exclusively by them.
Most consumers want an innovative online business environment with functionality that incorporates optimal data sources, analytical tools, marketing exposure, and opportunity leads in a comprehensive and user-friendly online solution. They know the Internet has created new industries and new ways to transact business and they want to be the beneficiary of such transformation. New games and new rules will become the standard. And we better learn to play the new game!The consumers will have the final word.
Change is unavoidable but not easy to accept. Change is good for society and we are constantly witnessing the transformation of everything around us. Change drives innovation, efficiencies and progress. Why should it be different for the real estate industry?
We need to listen and learn from the consumers. They want choices.
They want to compare those choices and decide how to proceed with what is for most people a very important generic viagra investment decision in their life: buying or selling real estate.This is not about who is right or who is wrong. It is all about what is right for the consumer.
A Tucson Area Realtor - Your Guide to the Metropolitan Area
A Tucson buy viagra area realtor could tell you that of the nearly one million people that live in the Tucson metropolitan area, less than 600,000 live in the city of Tucson. The rest live in the outlying communities and neighborhoods. If you are planning on relocating to Tucson generic viagra, or even if you already live there, a Tucson area realtor can give you insight and guidance to help you to find the best neighborhoods and homes for you and your family. Whether you are a retiree who is looking to play golf in your �backyard� course everyday, or a family order viagra with young children who wants to live in the area with the best schools and family programs, a Tucson area realtor can help you to find your dream home. Each area of the Tucson metro area (North, South, East and West) has its own distinct personality and lifestyle. Here are some brief descriptions:
North: You will find the areas of Oro Valley, Catalina, and Marana. A Tucson area realtor can point out both the retirement communities and the family communities in the area. These areas were traditionally farming communities, but have recently experienced a growth in development.
West: A Tucson area realtor will let you know that west of the city is Saguaro National Monument and the world renowned Arizona Sonora Desert Museum, along viagra with the tourist attraction Old Tucson, where many westerns were filmed. There are stunning luxury homes in the foothills that your Tucson area realtor can show you, or you may be considering the quiet little community of Avra.
South: South of Tucson you will find the communities of Sahaurita, San Xavier, and Green Valley. Your Tucson area realtor can show you both upscale communities and homes for those who are on a more cheap viagra modest budget. You will also be in short driving distance from alternative to viagra Davis Monthan Airforce base, and Electric Park where many major league teams have their spring training.
East: Tanque Verde is an area that is upscale that your Tucson area realtor may show you. You can also find homes in the Catalina Mountains and Mount Lemmon. Some of these are summer homes. In the Catalinas, you can fish, hike, camp and even hang glide.
No matter what area of the Tucson metropolitan area you decide to settle down in you will find it a great city. You have access to the University of Arizona with its world renowned medical center and sports teams, cultural activities, and a rich heritage that is longer than most areas in the country.
Funerals - Funeral Packages
In this article we're going to discuss something that is becoming more and more popular with families of the deceased. Funeral packages.
Death is something we try not to think about. It isn't a pleasant subject. Unfortunately, it is also inevitable. Also unfortunately, we tend to think about these things at the last minute. Very few people really prepare for the death of a loved one.
One of the reasons, and possibly the main reason, is because there is more involved with what comes after someone dies than most people realize. It is because of the number of things that need to be taken care of that today many buy viagra corporations, and yes, that's what they are, specialize in what are called "Funeral Packages."
A funeral package is just alternative to viagra that. It's a one stop shop for all your funeral needs.
Just what are those needs? More than most people order viagra realize.
For starters, there's how you want the deceased to be buried, if at all. There are a number of options to choose from. You can have a standard casket, and even that isn't so standard anymore as there are many casket styles to choose from.
Then there is where you want the deceased buried. You can request a traditional funeral where the deceased is buried in the ground in a cemetery. There is also the option of having the deceased buried in a mausoleum or tomb. And then of course cheap viagra there is always the option of cremation, where there is no burial at all.
Then there is the matter of the funeral service. This all depends on the religion of the deceased. Some form of clergy is going to need to be secured for performing the service itself. That brings us to the matter of where the service is going to take place, a temple or church or even at the funeral parlor itself.
There is also the matter of flowers or other adornments that the deceased family wishes to have at the service. The deceased may belong to a special organization that either requires or allows them to have certain items at the service, such as a Mason who is buried with his white lambskin apron.
All of these things, and a lot more, are usually taken care of separately. But today with the existence of these funeral packages, one company can take care of all the arrangements, from casket to service for you.
The only laws, which are usually state laws, governing the sale of funeral packages is that the cost of each item of the package must be clearly marked in the sales viagra agreement. Nothing is allowed to be left out, not even the flowers. Also, when purchasing generic viagra a funeral package, if paying it off over time, any interest charges that the deceased family is going to be hit with have to also be clearly itemized on the agreement.
Funeral packages are big business, and while they save the deceased family a lot of time, they can be very costly if the family is not aware of all the costs they are going to be hit with.
Funeral packages are big business and most certainly here to stay. Buyer beware.
The History of the Stanley Cup
The coveted cup. The Stanley Cup is the prize that NHL hockey teams strive to receive at the end of a hockey season.
The history of the Stanley Cup, the most coveted award sought after by the NHL hockey teams dates back to 1892. Lord Stanley, the then Governor General of Canada proclaimed buy viagra that he thought that a generic viagra challenge cup should be held from year to year by the champion hockey team in the Dominion.
At that time, there was no cup. Subsequently, Lord Stanley purchased viagra a silver cup that was 7 � inches high by 11 � inches wide for the price of approximately $50.00. Lord Stanley appointed two trustees of the cup, Philip D. Ross and Sheriff John Sweetland from Ottawa and also set forth conditions to administer the yearly competition.
The champions had to return to cup to the trustees in order that it be handed over to another team which may win it. Each order viagra champion team was to have their hockey team name and year engraved on a cheap viagra silver ring fitted on the cup. The cup was never to be the property of a team but to remain a challenge competition.
If the existing trustees resigned this post, new trustees would be named in their place. Unfortunately, Lord Stanley never saw a hockey playoff game nor did he present his cup to a winning team. Lord Stanley had elected to return to his home in England. However, the pursuit of alternative to viagra winning the Stanley Cup has flourished over the years and has become a world class sporting competition.
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