Homeowners in foreclosure are rightfully worried about not being able to save their homes and how quickly they will be evicted after the sheriff sale. Although the lender and various “experts” will threaten them with the sheriff showing up the next day to violently kick them out of the house, this is just not the case in foreclosure situation. The county sheriff and the eviction crew will not show up the next day after the sheriff sale, and homeowners should ignore the fear-mongering that threatens this possibility.

Owners should be aware of the implications of the foreclosure auction, though. The sheriff sale will transfer ownership of the property, and the foreclosure victims will not own the house after this point. But this does not mean that the eviction process will happen automatically right after the house is auctioned, as there are more steps that will need to be taken by the new owner.

The high bidder at the auction will most likely have to have the sheriff sale confirmed (this is not a specifically detailed step in every state). This can take from a few days to a couple of weeks after the auction, depending on how quickly the courts and new owner act. But this is generally just a simple step in the foreclosure process after the sale that involves the sheriff and judge confirming the auction was for a legal amount and that the deed has now been awarded to the new owner.

The new owner will most likely be the original foreclosing bank that the homeowners had been dealing with in the first place to stop foreclosure. About 95% of foreclosures end up being purchased by the lender, rather than a third party.

In order to evict former homeowners, the lender will have to request the court grant it possession of the property and order the county sheriff to evict any remaining people or personal items and change the locks. This is a legal process, though. Homeowners should not fear that a bunch of government thugs with badges and guns will show up at their house the day after the sheriff sale to kick them out. Of course, this is exactly what happens, but at a later date if the foreclosure victims do not move out in time.

But the entire eviction process can take up to a month after the sale; throwing people out of their homes is not a simple process before or after a county auction. The court will have no problem ordering the eviction (unless the former owners go and try to contest the sale, eviction order, etc.), but the sheriff’s department will have to give notice of the impending removal. This can be as little as posting a piece of paper on the property with three days notice to move. Thus, after the sheriff sale, former homeowners better be prepared to leave on their own or work out another solution.

People facing foreclosure should not be overly concerned about being kicked out of a house with little notice. The sheriff will not just show up the next day or a few hours after the sheriff sale, as there is still a legal process that must be followed for a bank to take back possession of a foreclosed property. Homeowners probably have at least two weeks to a month after the sheriff sale date to arrange for a new place to move into.

In any event, homeowners are always encouraged to call the sheriff’s department to ask them when then eviction will take place. Even more promising, they can also usually ask for a few extra days or a week in order to move everything out and give up the house peacefully. There is still a chance to negotiate with the local government for more time (courts and sheriff) so that the former owners are not taken by surprise by the eviction.

Thus, the banks and government officials will not evict foreclosure victims right away after the auction, but there is no time to spare, either. Having a couple of weeks to move out can give people a chance to find a place and move in at their own pace, but even a month-long eviction process will go by very quickly. If in doubt, homeowners should contact their local government officials and ask about the eviction — the courts or sheriff will be able to inform them of the date and try to work out the most reasonable solution. They want as little trouble after foreclosure as the former homeowners do.

Are you looking for fundraising ideas for your nonprofit club, organization, school, or team? How about holding a yard sale?

Garage Sales, tag sales, rummage sales, yard sales. Whatever you call them in your part of the country, we’ve all been to them, and we all know that people love to find a bargain at a garage sale. Some nonprofit organizations hold a yearly “spring cleaning” garage sale. Or, your club could also hold a sale twice a year, one in the spring and then again in the fall. Members of your organization can save things all year long and accumulate lots of items to donate to the cause. Most members are usually very happy to get rid of their unneeded items.

Anyone who has ever conducted a garage sale knows that they require a lot of planning and labor but the rewards can be substantial. Your club should plan for it well in advance and allow about a month to gather all the donations and prepare for the sale.

Tips for a successful Fundraising Garage Sale

Before the Sale

Check with your city to find out if you need to have a permit to hold a garage sale. Ask if there are regulations concerning when and where you can place signs to advertise your garage sale. For example, some cities forbid placing signs on light poles.Announce the sale to the group. Tell them when and where it will be held and when and where to drop off donations. Decide on whether items will be priced by the person donating them or by the organiizers. Designate a person in charge of receiving the donations and choose a place to store the donations

Advertising – Plan your advertising well in advance in order to put classified ads in your local newspapers. Send press releases to your local newspaper and radio stations. Place flyers in public places such as grocery stores, libraries, bookstores, schools, and churches. The night before the sale place posters and signs on the street advertising your sale. Make sure you take down your signs and posters after the sale.Contingency Plans – It’s best to plan to hold the sale in any kind of weather. Try to hold the sale indoors or under tarps. You will have placed advertising and engaged the services of your volunteers for a specific day. If you have to cancel your sale because of weather you will have lost your advertising and your volunteers may not be available for a later date.

Pricing garage sale items – Pricing should be in round numbers. This will make pricing and selling much easier. You can buy pre-made pricing stickers at office supply stores or make your own on a printer. Generally speaking, items in good shape should be priced at one-third of their retail price. Of course there will be expections. For example, you might want to price hard cover books at $2.00 a piece no matter what the retail price was. Or, you may want to price CD’s, DVD’s, and tapes at $2.00 each. You should group like items together during the sale and sell them all for the same price unless otherwise marked.

Supplies needed – Tables, chairs, umbrellas, extension cords, clothes racks, boxes, plastic bags.

The Day of the Sale

Have as many volunteers on hand as possible. You will need people to help shoppers and keep things running smoothly. You’ll need people to take the money and provide security. You may want to offer to deliver items if your group has access to a willing person with a truck. Be aware that you will have “early birds” show up so try to be ready to sell up to one hour ahead of your advertised start time. In order to bring in drive-by traffic you can have volunteers hold up signs on nearby streets

Have a check-out table with chairs so that your volunteers can sit. At the table have plastic bags, boxes, scissors, a yard stick, measuring tape, and wrapping supplies such as newspapers. and tape Make sure that you have access to electricity so shoppers can test items. Display valuable items such as jewelry at the check-out table in order keep them from being stolen. You can use a cash box or fanny pack to hold the money. A fanny pack is recommended for security purposes. Make sure your money is never left unguarded. Have plenty of change in small bills at the beginning and throughout the sale. You will no doubt be receiving lots of twenty dollar bills. Take cash only, unless you are willing to take a check from a person who is known to you.

If the sale is being held at a personal residence take precautions against theft from shoppers. Never allow shoppers into the home and make sure outside items that are not for sale do not get stolen. Pets should be locked up also. As your cash builds up throughout the day take it inside to keep it safe.

Selling Tips to Maximize Your Sales and Raise More Money

Let your shoppers know that your yard sale is a fundraiser. Make sure your signs say what you are raising money for. You may want to make a display board at your check-out table the gives information about your organization and cause. Have your volunteers wear your club’s t-shirts or uniforms, if you have them, so shoppers will know who is working at the sale.

Decide in advance if you will bargain on prices. Expect that your shoppers will want to bargain. You may want to tell shoppers that you can’t lower prices until the afternoon. Let your shoppers know that your yard sale is a fundraiser and tell them how the money that the sale brings in will be used.

Additional Ways to Make Money During a Yard sale

Have a donation jar at your check-out table to collect donations.

Hold a raffle for a special item. You can display the actual item or a picture of the item you are raffleing. Sell tickets throughout the sale and have the raffle drawing at the end of the sale. Or, sell raffle tickets to a raffle that is ending at a later date.

Sell baked goods, hamburgers, hot dogs, chips, sodas, coffee, tea, bottled water, candy, etc.

Sell products your organization has produced such as cookbooks, calendars, CD’s, shirts or other spirit items.

Sell fundraising products such as cookie dough, candy bars, wrapping paper and more. There is a wide variety of items available from fundraising companies that nonprofit clubs and organizations can sell to raise money.

In addition to raising money, yard sales are a good way to raise raising awareness for your cause and nonprofit organization. Who knows, you might even recruit some new members during your yard sale.

If you’re looking at land for sale with a thought of buying, you’ll want to understand the property’s zoning. In the United States, federal, state, or local governments have a say in how land can be used. Depending on your plans, this information is essential as you consider the purchase.

Generally speaking, property can be designated for residential use or commercial use. So based on whether you’d want to build a home or to open up a business, knowing the zoning is crucial. If the zoning is not listed in any of the paperwork advertising the land for sale, or if you’re not sure your intended use for the land is allowed, you can find the answer by contacting your local planning agency.

Plans for Your Business

Real estate that is set aside for commercial use can be used for retail, offices, or other commercial uses. If your purchase will be used for industrial property or manufacturing, there are further regulations that may need to be applied. There can be restrictions related to the advertising signs you display, parking, use of hazardous materials, or noise, so you’ll want to become familiar with those details.

If your business is farming, there is real estate that is specially designated for agricultural use. This type of zoning preserves and protects land for farm use.

The U.S. Small Business Administration suggests hiring a local land use attorney to help you sift through any issues or questions related to the property’s intended use. An attorney can help you be sure you are compliant with regulations before you invest too much time or money in a location for your business.

Plans for Your Home

If you’re looking at real estate with the idea of putting a home on the property, then you’ll want to ensure that the space is designated for residential use. Residential property may be planned for single-family homes, two-family residences (like a duplex), or multi-family residences (like apartment buildings). When real estate is specified for residential use, homeowners can know that their quality of life is protected against the bustle or noise that opening up a business would bring. As a homeowner, you wouldn’t want to see a noisy manufacturing plant or busy office building going up on the vacant lot next door. Doing your homework to know the use intended for the real estate is a smart investment of your time.

Plans for Home and Business

As you are shopping for land for sale, you may also find another zoning alternative: property set aside for mixed use. This is where residential and commercial zoning are allowed in close proximity to each other. One strong advantage for mixed-use development is that residents can save money on car travel because their home and work are situated close together, perhaps just a short walk away.

No matter what your plans as you go shopping, be an educated consumer. You will want to be sure you are familiar with local zoning rules before you purchase any land for sale.

Lely Resort Naples Florida is one of the area’s top communities with upscale amenities and a wide variety of home choices. The spans approximately 2,500 acres and residents enjoy top-notch amenities at the Players Club, including two large lagoon-style pools, a vibrant tennis program, extensive fitness facilities and two restaurants. The wide sidewalks invite residents to bike and walk alongside the lushly landscaped boulevards. Two public on-site golf courses plus one private course are also available.

Lely Resort is not only a beautiful community with wonderful amenities, a great location and a varied selection of properties for sale; it is also a very stable community in terms of the number of sales. Home buyers can find any property type in Lely Resort, from two bedrooms/two baths condos to townhouses and coach homes with one or two car garages. There are attached villas available, single-family homes in a large variety of living areas and estate-sized homes. Over forty different subdivisions offer a property for every lifestyle and budget.

Lely Resort real estate sales have been in perfect balance for the last eight years. The local MLS will show between 180 and 240 homes for sale in Lely Resort at any given time of the year. Approximately half of these listings are homes and the other half condos or townhouses. In the past eight years, an average of 265 properties sold each year, keeping the perfect balance between listings and sales. 2014 and 2015 were the two exceptions. Sales spiked to 365 sales in 2014 and reached 315 sales in 2015.

The sales price was between 94 % and 96% of asking price for the past six years. The median list price rose from $349,000 in 2013 to $429,000 in 2014 and dipped to $395,000 in 2017. The number of days on the market rose slightly from a record-low of 54 days in 2014 to 98 days in 2017.

Prices have recovered from the low in 2011 and are back to pre-recession levels for the most part. Prices have yet to hit the record highs of 2004 and 2005.

Whether you make Lely Resort your permanent home or winter home, this resort offers a wonderful lifestyle, great selection of real estate for sale and a healthy resale market should you want to change your home down the road. Most buyers that are in the market for a vacation or secondary home start out with one of the many condos or the townhouses in the Olé section. As they stay longer in Naples or approach retirement, many opt for a single-family home to have room for their children and grandchildren when they visit.

The fabulous Players Club with its resort-style amenities is a big draw for friends and family members and will guarantee a steady stream of visitors to your new Lely Resort condos.

We are finding out the hard way in a Contract for Deed we purchased in Alabama about the Power of the Power of Sale Clause. The Power of Sale clause is one of many clauses written into most mortgages which will allow the lender or owner of the mortgage the power to sell the property in the event of a default by the homeowner, in order to pay off the mortgage debt. It is for all purposes the equivalent of a foreclosure, without having to foreclose judicially in non-judicial States.

In our case, the Power of Sale clause was not included in the deed, so we are not able to easily “evict” the occupants non-judically as we expected. It is causing us to file for a judicial foreclosure, resulting in more time and money to remove the non-paying occupants. We are offering them a “Cash for Keys” option to help them motivate them to leave quickly.

The clause pre-authorizes the sale of the property when the homeowner defaults, and each State has its own procedures for this. They typically call for a limited notice of foreclosure such as mailing, posting the notice on the property, or publishing it in the newspaper. Then the trustee can sell the property at a foreclosure sale. The process must follow the timeline and waiting periods set by the State when completing the Power of Sale foreclosure.

As of today, 30 states allow for a foreclosure by the Power of Sale, and for the borrowers, it has some advantages. The first is you can not seek a deficiency judgment in some states. This means that if they owe $100,000.00, and the house sells for $80,000.00, there is still $20,000.00 owed.

Lenders typically file a deficiency judgment against the person, which is a unsecured lien that needs to be taken care of before they can finance anything in the future like a car or new home. Also, if the borrower files a lawsuit, it will need to be reviewed judicially, or in court.

The disadvantages for the homeowner is the process is much faster, and less costly to the lender than foreclosing on the property. So they can lose their house quicker. Foreclosures in NY or NJ could be 5-7 years and reach $5,000.00 to $10,000.00+.

Also, there is no judicial review unless they file a lawsuit. They can not plead their case to a judge unless they file a lawsuit, which includes paying the court and attorney fees. Difficult if they are not even able to pay the loan.

And even with the Power of Sale Clause, some lenders decide to pursue a judicial foreclosure if there are some title issues such as flaws in the document, as we found out, or if they want to pursue the deficiency judgment since some states will not let them have the deficiency judgment unless they judicially foreclose.

When buying defaulted mortgages and deeds, always remember to review the documents for the Power of Sale clause, as we have found out, it’s a very important clause that should be in there.

One of the most justified concerns homeowners have about being in foreclosure is how much time they have to save their homes. This is such an important issue that many homeowners simply give up on their homes and move out long before they have run out of time. They simply assume the sheriff will show up any day and kick them out! Unfortunately, this is a dangerous assumption to make, and homeowners frequently have more options than they could ever believe possible to increase the time they have available.

In fact, it is reasonable to state that any homeowner can still stop the foreclosure process at nearly any time up until the date of the sheriff sale. Of course, if that date is on the horizon or approaching in the next few weeks or months, then there is still some time, but the foreclosure victims need to get something together rather quickly. Stopping a sheriff sale is vitally important if there is any realistic plan to save the home and pay off the mortgage or reinstate the payments. A sheriff sale will nullify almost any plan that was being worked on before the auction.

It is also important to not that the bank will not accept just a regular payment once the home is in the foreclosure process, nor will they accept any form of partial payment. The lender will most likely demand the entire amount that is behind right now, unless they are willing to work out some sort of repayment plan with the owner. This is one reason that homeowners, as soon as they have recovered from a financial hardship, should call the lender to find out exactly what plans they can offer and how much money will have to be forked out to them to begin a plan.

But, if the bank does not accept a forbearance agreement or other plan, there are a few other ways to stop the foreclosure date that do not involve direct intervention by the mortgage company. Sometimes, the homeowners need to take control over their home and take advantage of other opportunities.

First, the homeowners can simply file Chapter 13 bankruptcy to avoid foreclosure. That puts all creditor collection efforts on hold (including the mortgage company’s attempts to collect) while the debt is being dealt with by the court system. It can stop a sheriff sale the day before the sale, and might work as a last-ditch effort. Although it is not the most preferable way to stop foreclosure, homeowners should keep it in mind if they are seriously short on time. In many cases where the homeowners are nearly out of time, no other way to postpone the auction will work.

Second, just paying back the entire amount behind will get the mortgage reinstated. It will bring the status of the loan back to “current,” and end the foreclosure process. If there are no arrears, and no part of the loan is in default, the bank can not continue foreclosing. Admittedly, this is also the most unlikely scenario presented here, mainly due to the unwillingness of the bank to work out a solution and the fact that they typically add thousands of dollars of late fees, interest, court costs, and attorney fees to the total amount needed to reinstate the loan. But if homeowners can come up with the money, they will be able to save their home immediately.

Last, going into court and asking the judge to order the lender to try to work something out is always a potential solution. Very few homeowners take up this opportunity, though, simply due to an (ir)rational fear of the legal system. But the judge can order the bank to consider a repayment plan, or offer some other resolutions besides going straight through with the legal process of foreclosing on the home. The judge can also put a hold on the sheriff sale, since he is the one ordering the sale in the first place. In fact, the judge wields an enormous amount of power over the bank, for some unknown reason, but this power can be used by the homeowners in self-defense, if necessary. Passing up this option is a major mistake for homeowners attempting to prevent foreclosure.

The bottom line is that foreclosure is never inevitable once it starts. To make sure they have the best chance of saving the home, foreclosure victims merely need to take advantage of what options are available and make sure they can make the payments on time again, or come up with the money to reinstate, or have enough time to pursue an option like a foreclosure refinance or a sale. Having a sheriff sale scheduled is obviously a major stumbling block, but homeowners have more options than they are aware of to obtain the time necessary to work on a solution to foreclosure.

A by owner property sale can be a harrowing experience. The sale by owner process is not an easy one especially if you haven’t done it before. In today’s market it is more stressful than ever to sell a home quick. The majority of FSBO home sellers are having some degree of difficulty in making their monthly mortgage payments. Even though you are very anxious to sell your home quickly, you need to be cautious. If you sign a sale contract with the wrong buyer you will be in a worse position than if you had done nothing. You will not want to trust everybody who expresses interest in your property for sale. In fact it is smarter to trust nobody until they prove they deserve to be trusted. It is also smart to hire a lawyer to look everything over for you and give you good counsel on offer and sale contracts. If you are very aware of your buyer’s moves you should be able to spot some danger signs before they become a problem.

The Top 5 Warning Signs That You Have an Untrustworthy Buyer Do not trust a buyer:

1. Who wants to make buying your home contingent on the sale of their old house first
2. Who wants to put up a very small deposit
3. Who wants you to finance their purchase so they don’t have to apply for a loan
4. Who has not received pre-approval for a mortgage loan
5. Who includes many other contingencies in the sale contract which allows them to back out of the deal

Selling your home quickly at a good price is your #1 goal. Be sure to make your #2 goal to watch out for shady buyers so they don’t ruin the whole deal.

Purchasing reptiles for sale marks the beginning of a journey of challenges and development for both the reptile pets and their owners. Whether it’s lizards, ball pythons, or baby tortoises, choosing from the many available reptiles for sale can reap incredible rewards.

Owning an animal of any sort, regardless of whether or not it’s a reptile, will come with its phase of adaptation. Just because reptiles aren’t the conventional pet, however, doesn’t mean they won’t make worthy companions. If the opportunity to own a reptile ever presents itself to you, take the chance and learn a thing or two!

Here’s how buying reptiles for sale can change your life and the best reptiles for sale to consider.

They’ll change your perspective. If you’ve never owned reptile pets because you preferred the furry and cuddly pets instead, you’re in for a sweet surprise. You may be amazed to find just how affectionate and full of personality reptile pets can actually be. Under the right temperature and in the appropriate setting, reptiles will thrive and offer you unique entertainment and a newfound – and lasting – appreciation for reptiles. Getting to know reptiles as pets changes your perception of reptiles and makes them easier to love.

You’ll become obsessed. Have you ever met a reptile owner who wasn’t a little obsessed with their reptile? Of course you haven’t! That’s because humans tend to form a unique bond with reptiles. Although it’s yet to be proven that reptiles can actually love us, you can tell from their behavior when they’re comfortable and more than tolerant of you. It takes patience and time, but once you get a handle on keeping a reptile and develop that mutual understanding, you’ll want more!

They’ll teach you more than expected. As I mentioned previously, patience is something a reptile will definitely teach you. Since most need time to adjust to their new surroundings and the way you handle them, it’s important to give your reptile enough time to get comfortable. Discipline can come from owning any animal but reptiles, specifically, need the right type of diet and environment (heat, humidity, light, etc.) to thrive. Also, by having to set up the enclosure yourself, you gain an appreciation for the animal’s connection to survival with nature.

The Best Reptile Pets To Own

When shopping around for pet reptiles, you may become overwhelmed by the seemingly endless options. If you’re not sure where to start, here are a few suggestions. Ball pythons for sale come in countless morphs. If you’re looking for something that’s unique, low-maintenance, and great for beginners- any of the ball pythons for sale are a great option. Contrary to what some may believe, you don’t have to be an expert snake handler to own a snake. All you need is a lot of research and the willingness to take on a fun challenge.

You can find lizards for sale for people of all experience levels but the bearded dragon is hands down one of the most popular. Their curious and playful nature helps new owners gain confidence with handling and feeding, quickly. Then again, they can also keep more experienced owners entertained. Iguanas can be great reptile pets, too, but should be left for the more experienced handlers.

If you have the space for it, find yourself a tortoise for sale and gain a lifetime companion. Tortoises are known for their longevity and when kept happy and healthy, a tortoise truly can live for hundreds of years. Whether you buy a full grown or baby tortoise for sale, you’ll find that these reptiles are the perfect companion, each with a personality all their own.

Once you know which reptile suits you and your family best, start doing as much research as possible about its needs. Learn its temperature and heating requirements, its usual diet, and whether or not it should get frequent handling. Once you’re finally a reptile owner, you’ll realize why so many people can’t get enough. Reptile owners are in a category all their own surrounded by scaly, exotic animals, and they know more than anyone how great it can be to own reptiles. Some might even call it life-changing.

It can be challenging to find the right Point of Sale software system for your business. This article provides a checklist of features you should consider when making your decision. In part one, we will look at point-of-sale, customer tracking, and security features.

Point of Sale

This is the heart of a POS system. Does it feature an intuitive user interface? Will you be able to train employees quickly? Can you customize the software for your unique needs? Features to look for:

• Touch screen support.
• Customizable menu buttons to access frequently sold items.
• Customizable receipts and invoices.
• Ability to email receipts.
• Ability to create and manage quotes, layaways, special orders and workorders.
• Ability to manage gift registries.
• Ability to set up automatic add-on sale suggestions or substitutes for out-of-stock items.
• In-house gift card/store credit tracking.
• Ability to import tickets from a remote location, such as a trade show.
• Ability to interface with credit card processing software. Will you need to switch to a different processor than the one you are currently using?
• Support for electronic signature capture.
• Support for debit card cash back.
• Support for foreign currency.
• Ability to calculate and track sales tax for different municipalities, different customer types, and different types of inventory items.
• Ability to manage recurring billings, (for example, subscriptions).
• Ability to manage tips and customer tabs
• Ability to compute and track commissions and spiffs.

Customer Tracking

A major benefit of a point-of-sale program is the ability to track customer information and buying habits. This allows you to do targeted marketing to increase sales. Here are some features to look for:

• Option to store customer photographs (useful if you have a membership program).
• Ability to print customizable membership cards.
• Option to track multiple customer types, such as wholesale, presale, member, etc.
• Ability to track purchases made by each customer, including serial numbers, warranties, and layaways.
• Ability to create targeted email and/or mailing lists.
• Ability to send customized email in bulk.
• Ability to print customized mailing labels.
• Ability to manage accounts receivable
• Ability to print and/or email accounts receivable statements.

Security

Your point of sale system can help you prevent employee fraud and assist you in loss prevention. Features to look for:

• Bad check tracking.
• Integrated video surveillance.
• Ability to limit employee access and rights.
• Option to require login for each sale or after a specified period of inactivity.
• Security tracking log so you know which employee handled a void, price override, return, etc.