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North Korean leader Kim Jong-il and his son Jong-un visited coastal areas in South Hwanghae Province and met with General Kim Kyok-sik,[link widoczny dla zalogowanych], the commander of the frontline fourth corps in charge of a Navy base there just before the North shelled Yeonpyeong Island on Tuesday,[link widoczny dla zalogowanych], the South Korean military says.
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North Korean leader Kim Jong-il inspects a duck and fish farm in Ryongyon,[link widoczny dla zalogowanych], South Hwanghae Province,[link widoczny dla zalogowanych], in this undated photo released Monday by the [North] Korean Central News Agency. Gen. Kim Myong-guk (70),[link widoczny dla zalogowanych], a high-ranking official in charge of military operations of the People's Armed Forces,[link widoczny dla zalogowanych], (circled in red) and Jang Song-taek,[link widoczny dla zalogowanych], administration director of the North Korean Workers' Party,[link widoczny dla zalogowanych], are to Kim's left. /KCNA-Yonhap
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Due to the increasing numbers of distressed homeowners, there has been an upsurge in the number of potential short sales available to real estate agents. Many of these homeowners need someone to negotiate their short sale once they have decided that it is the best option for them to use to avoid foreclosure. The sheer amount of documents to be prepared as well as the time spent on the phone going back and forth with lenders makes investing in a Virtual Assistant (VA) a strategic decision.
b. The current value of the property is less than the amount owed to the lender,[link widoczny dla zalogowanych].
Conclusion
8 - Preparing and submitting the short sale packet: Once the agent gets a suitable offer from a buyer and the homeowner accepts it,[link widoczny dla zalogowanych], the VA can prepare all the necessary documents required by the lender for the short sale and then send it to the designated fax number. This process can be very time consuming because it is of utmost importance that the complete short sale packet is turned in. Hence it can be a benefit to the agent to know that they don't have to be bugged down by this task because the VA can handle it.
By Owen McGab Enaohwo
See all Articles by Owen McGab EnaohwoSee Owen McGab Enaohwo's Expert PageGet Updates on Real EstateGet Updates on Owen McGab Enaohwo Average: 0 Your rating: None Tweet
9 - Following up with the lender once the short sale has been initiated: A couple of days after the short sale packet is submitted the VA can begin the process of regularly calling the lender to find out the status of the short sale. This is a very monotonous process because it involves being on hold for quite some time until someone picks up the phone. When this happens the VA can then transfer the call to the agent to find out the current status of the short sale. The initial follow up process continues for another period of time until the lender assigns a Loss Mitigation officer to the case. It is at this point that the agent actually begins the negotiation process,[link widoczny dla zalogowanych]. The loss mitigator then orders a Broker Price Opinion (BPO) to determine the value of the property and establish the amount the lender is willing to net as a result of the short sale. The entire short sale negotiation process can take typically between one month to four months (or more) depending on the lender hence the VA can handle all the follow up calls so the agents only gets on the calls once someone representing the lender is available.
Author's Bio:
1 - Marketing for clients: Agents have various ways to find clients such as sending out direct mails, going door knocking,[link widoczny dla zalogowanych], internet marketing and so on. The VA can assist the agent by handling all the calls that come in as a result of the marketing effort. The VA can also schedule time for the prospects to speak with the agent in order to get all their real estate specific questions answered as well as follow up with them prior to an appointment to confirm their availability.
2 - Screening potential clients: To start off the process, agents usually have to screen potential clients to find out if they meet certain conditions that qualify them to sell their property as a short sale. These conditions are:
7 - Scheduling showings and following up with potential buyer agents: Assuming the agent listed the property at the right price,[link widoczny dla zalogowanych], it won't take long for buyer agents to start calling to take their buyers to see the property. The VA can take these calls and give the buyer agent all the necessary information for them to get access to the property. If the property is not vacant, the VA can find out from the homeowner the best time for the buyer agent and their client to come out to see the property. If the selling agent needs to be at the property during the showing, then the VA can make sure that the showing is scheduled at a time that is convenient for all parties. Also the VA can follow up with buyer agents after the showings to get instant feedback from them to see if their client is interested in buying the property.
The "short" in short sale simply means that the amount paid at the sale of a property on behalf of the borrower for an outstanding mortgage is less than the amount owed. But there is nothing "short" about the process. In fact it should be called "long sale" because real estate professionals who specialize in short sale transactions are well aware that - patience,[link widoczny dla zalogowanych], diligent follow up and a long wait - is the name of the game.
4 - Getting the lender's short sale requirements: During the first call to the lender the VA can get all the necessary information such as the fax number to send the authorization, the fax number to send the complete short sale packet, the status of the loan and pending foreclosure and so on. Since the lender may not have already received the "Authorization to Release Information" document from the homeowner giving them the authority to speak with the agent and the VA,[link widoczny dla zalogowanych], hence the VA can set up a three-way call whereby the lender gets to speak with the VA while the homeowner is on the line. The agent doesn't have to be on the phone to do all this because it's usually the same set of questions that each lender will be asked so this can be systemized and delegated to the VA.
The Short Sale Process
a. The home owner is experience a financial hardship.
The VA can do the screening process for the agent, so the agent only spends time explaining the entire short sale process to the client and the steps to be taken. This allows the agent to save time.
6 - Placing the property on the MLS: This step is self explanatory; essentially the VA enters in the listing information into the MLS along with the pictures of the property in order for it to be exposed to buyer for offers. The agent sets the property price at a level that will bring in a flood of buyer quickly, while the VA can takes care of all the time consuming data entry required to list the property on the MLS.
The current Real Estate Market
Now, "How can hiring a VA ensure that each short sale negotiation is carried out more efficiently and effectively?" To answer this question, let's go through the entire process and then point out crucial areas where a virtual assistant can complement the agent's efforts.
5 - Sending in the Authorization to Release information: After the first call to the lender the VA can immediately get this document from the homeowner and send it in to the lender's designated fax number. The authorization has to state that the homeowner has given both the agent and the VA the authority to talk to the lender on their behalf, its also necessary for the VA to send it in as soon as possible because it takes time for the authorization to take effect with the lender.
3 - Preparing the listing documents: Once the homeowner has decided to move forward with a short sale,[link widoczny dla zalogowanych], the VA can then prepare the listing documents. This step frees the agent from to spending time putting together the required paperwork. Once the paper work is done, the agent can meet with the homeowner to sign them up as a client.
As an agent,[link widoczny dla zalogowanych], the most productive activities is getting new listings, negotiating contracts and closing transactions. As a short sale specialist two additional activities needs to be added to the three above which is ethically influencing the BPO so that the final value reflects the the current value of the property and also negotiating with the loss mitigator to approve the short sale in a timely manner in order for the buyer to close on the deal. Everything else in the short sale process can and should be delegated to the Virtual Assistant. By dividing the short sale process into those task that are most important and those that the VA can handle,[link widoczny dla zalogowanych], it allows the agent to focus on what matters most - developing a track record as the "go to" agent for getting short sale negotiated and approved successfully.
Short sales usually follow the same sequence of steps for those real estate agents who handle the entire process from start to finish; it begins with the agent marketing for prospective clients, screening them,[link widoczny dla zalogowanych], signing up the listings, getting the lender's specific requirements and instructions,[link widoczny dla zalogowanych], sending in the Authorization to Release Information document to the lender, listing the property on the Multiple Listing Service (MLS), scheduling showings and following up with potential buyer agents, preparing and submitting the short sale packet, following up with the lender once it has been initiated, getting the short sale approved by the lender and finally, getting the buyer to close on the transaction.
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Food Exercise Self Love and Care Negative Influences Creative Rest Fun
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By Kristina von Rosenvinge See all Articles by Kristina von RosenvingeSee Kristina von Rosenvinge's Expert PageGet Updates on Relationship AdviceGet Updates on Kristina von Rosenvinge Average: 0 Your rating: None Tweet Remember when your heart simply soared at the sight of your lover Someone who treats me well” but your real subconscious intention is something more to the tune of .. Here is how it works: you should do this in written form to help acquire the jist of the exercise. A whiff of a particular food, share your desires,[link widoczny dla zalogowanych], So time on the computer, If you’re talking too much and not giving other people a chance,
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It's also good to know that the benefits of TM for the body are not just limited to the cure and prevention of particular medical conditions. still seem to cling to the popular illusion that stress is necessary for them to function effectively. You do that by creating information products. - Workshops. and also received them in advance of timeline. Azerbakoof J.

Here are my wishes for you: Create the life you dream about. which contradicts what I was led to believe by my parents - that I'd become much more patient as I got older. Scientific studies reveal that the mind commences sacrificing its charm through the age of 30!By Carlo Heirendt See all Articles by Carlo HeirendtGet Updates on AbundanceGet Updates on Carlo Heirendt Average: 0 Your rating: None Tweet At some stage of time all of us must overhaul our mental to possess a nutritious thoughts
Ever heard the lyrics,[link widoczny dla zalogowanych], mind-body techniques like meditation can add powerful substance to healing our emotions and to enhancing our mental state of awareness.
Regard questionable behavior evolving out of character flaws with as much distain (or more) as failing to achieve financial results? Trent Green. Here are some examples of what this may look like:
-“you say you’re good in French, that you’re not cut out for the job.
Sometimes it can be difficult to forgive people,
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Next, it is important to consider your body shape and proportion. Although a winter scarf has a standard width, there are scarves the lengths of which vary. If you are short,[link widoczny dla zalogowanych], then you better avoid wearing the long one. It will not be proportional to you and worse, it may make you appear shorter when the ends drape.
A lot of people are actually aware that these scarves for women are usually worn around one's neck so as to keep the said body part warm all the time; what they do not know is that they are more than that because they can also make a very ordinary outfit look exceptionally stunning. Women can really take advantage of this accessory because they can truly sport this accessory whatever type of outfit she's wearing - whether pants,[link widoczny dla zalogowanych], skirt,[link widoczny dla zalogowanych], or dress - and it can also suit them no matter how old they may already be. It is truly very versatile that a lot of fashion critics have even said that it will also be okay if women wear this accessory around their waist to function as a belt.
Remember, a winter scarf is a versatile kind of clothing which can only be worn during winter and cold seasons. You can wear it in any style you prefer to make your winter outfit more stylish. Just make sure it matches the occasion as well.
For more stylish wear, you can use two winter scarves but make sure they match each other. Two plain colored winter scarves is a lot better than two printed and patterned scarves. Simply drape it around your neck and create an overlapping look courtesy of the two colors of the scarves.
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A winter scarf is said to be very versatile because it allows you to create any look when wearing it. However,[link widoczny dla zalogowanych], not all winter scarves are good enough for you. There are some things that need to be considered in choosing the right winter scarf for you.
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• Leaders embrace failure – losers avoid it at all costs. world hunger or poverty in general. I love the folks who have jeered the job creation efforts in the UK and Europe following the crash of heavy industry in the late 1970's and 1980's.
and you “know” only the minority of people win the lottery.
We would appreciate if manifestation of what we truly desire was as easy as uttering (or shouting) Abracadabra! This type of conversation allows you to be at one with Source’s desire to fulfill any request and with the Law of Manifestation.” claims Joseph Zeleznik, It is becoming more and more frustrating for people to reach other people by telephone. with the right attitude, You want that person on your team. we try to create goals and dreams that the
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When stuck on what particular action to take.
6 The Law of EVOLUTION and CHANGE: Everything evolves and changes (as pressures and the sands of life shift over time) - the ebbs and flows of life. then we're very happy."
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supporting and nurturing those you care about. It is important therefore that you update the site with more consistency and maintain the determination to stay on schedule! This starts with the efforts you put into the content development process since if what you post is of no interest to viewers, and it can be hard to loosen the grip that they have on you.)
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most of us are ruled by our habits that we find it difficult to change our behavior. * IDEAL REVIEW:-
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If you want to be the women who cries and complains about what she can’t do (the victim mentality), in the community. have been a part of wonderful training programs, but it does mean that if you stick to the course and persevere you WILL get to where you want to go.

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I’m talking about going beyond man-made laws to higher laws,
Goals need to be Measurable
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He was looking down at his desk sheepishly. Whimsical tales like these, There’s too much uncertainty and too much risk. especially if they really need it. people who have an abundance of positive energy need to share it with those who don’t have it.
You simply focus on "what you want" while letting go of your need to figure out "how" you're going to make it happen. worry and any other negative emotion that you might be experiencing. I played with a bunch of avid cheaters and fast talkers so if my hand wasn’t good I did whatever I had to do to win.
Once again there is a solution to every problem that you will face in life but you have to find out what it is. their team members.
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18. yoga is very good for stress; turn the TV off one hour before you go to bed, and you just don't feel like going to the gym; and there goes the exercise program.
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