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Tips to Consider For Your Short Sale Shopping

A quick look at short sale might be so inviting but be careful before you even think of buying it. There are certain issues that you need to unravel regarding the condition of such property. Should you consider buying a short sold home, find out everything you can about the potential home. Here are some important considerations you need to know before looking at short sale. They might be of great value to you when you begin your shopping for such kind of house.

First, check if the price is reasonable enough or very low. You must be aware that what you see in the price tag is not actually the ceiling price. They only put that to invite more buyers because multiple offers give the seller the opportunity to select and come up with the best bid. So, be open with the possibility that you are not the only potential buyer for that property and the hard part is that it would be hard to make an offer because you have to compete with the other buyers who could give higher bids. So, the best option to do is check the house’s real market value and give an offer that is close to it.

Second, hire a real estate agent and be sure that he is someone who has the knowledge and experience in short sale. An expert on this issue could explain to you very well and comprehensively everything you need to know about homes that are on short sale. He could provide you advices and recommendations that could help you in making the transaction. Your role is to listen and be analytic in what he says.

Third, make the right offer by being competitive in your bid. You can do this by making a research about the seller and the amount of money he owes to his lenders. This will help you come up with a bid that would give interest to the lenders.

Fourth, it is important that you validate the requirements of the seller. Check if he has completed and submitted all pertinent documents such as tax returns, income records, and bank records; if not, talk to the listing agent and request him to inform the seller that the requirements are mandatory for the completion of the short sale process. Incomplete documents would delay the pace of your purchase of the property.

It is really enticing to see a potential new home which happens to be your dream home but the problem is it is a short sold home. It could be bothersome if you are not informed of the details about this kind of property. You already have bits of information about the essential things you have to consider and reflect on before going for a house on short sale. Keep in mind that it is better to know everything about this issue that you will be dealing with than to get into the transaction without any facts or ideas in your head. In this way, you avoid having headaches.

Ways to Shop and Remain Rich

Shopping is like love it can be a pleasure and a pain. A shopping bout blows boredom, worries, and stress away. And, quickly puts a smile on the face. Sadly shopping a temporary high can lead to severe problems like un-payable debt or addiction.

Shinny malls filled with shops provide an escape from the realities and drudgeries of life. It is but a temporary relief from depression, anxiety, and loneliness. It will never grant love, inner peace, or happiness. What happens is that you spend money and buy something that will go into the deep recesses of a shelf never to be used.

There are ways in which you can shop without going broke:

1. Make a financial plan for expenditure. Create boxes or envelops for each item like milk, school, utilities, groceries and so on. Never remove money from one and think I will put it back later. Discipline yourself and you will be surprised how smoothly your life goes.

2. Lock up all credit, debit, and ATM cards that have large limits. Set small limits on all credit cards, freezing the amount of money available will help you limit your spending.

3. Never go shopping alone. Go with a friend or family member who is ready take on the responsibility of bringing you down to ground zero should you get carried away. They must be able to say “no” in such a way that all your enthusiasm gets deflated.

4. Avoid sales, shopping channels, and mail order catalogues. Temptations must be kept far away.

5. Consider walking in the malls as a part of your weight loss regimen. Walk by the shops, enjoy the window display and atmosphere but don’t walk into a shop.

6. Try going to shopping districts before they open or shut down at night. This way you will be able to enjoy shopper’s fairyland without despair or heartache.

7. Always pay for purchases in cash. Forget all about credit. Stop the vicious cycle of buy now pay later.

There is something else one can do, offer to go shopping with family and friends but never take your wallet or purse along. It is just like sniffing the aroma of exotic foods but not eating it.

Think about becoming a writer who reviews products that way you will earn while finding out what is new in the market and do away with guilt trips. Turn your nightmare into something useful. If you are not holding a job then you can volunteer at a hospital gift shop or one of the malls where they have help desks to answer questions newcomers to the mall have.

Satisfy your needs without creating unsolvable problems for yourself and others.

Shopping During The Sales

During the time I have spent as an image consultant I have seen the contents of many men’s and women’s wardrobes. Very often the items that stand out are the items bought in the sales. Why is that the case? Well usually because something happens to us in the sales when we are faced with the bargain of the century. We imagine ourselves a different person, leading a different life and purchase the item that we think we will be wearing in it. Only to discover some months later that our lives haven’t changed, we’re still the same person – and we’ve not worn that sales purchase.

I can remember doing this myself in pre-image consultant days when I decided that a summer weight aqua two piece skirt and top was what was missing from my wardrobe – and my life. It fit beautifully, more to the point it was a wonderful bargain, so despite there being a loud floral print shawl adorned with purple and yellow pansies attached to the top which wasn’t removable, I bought it. Any of my friends at the time could have told you that I wasn’t a pansy woman but that didn’t stop me, after all it was a bargain. Every now and again I used to take it out the wardrobe, try it on, marvel at the great fit and promptly put it back again. As a women who can count the number of floral prints she has ever worn over her lifetime on one finger what was I doing purchasing an outfit with a huge print attached? Let alone purple and yellow pansies! Utter madness!

Since then I have realised that I was not the only one and other people make strange purchases particularly during the sales that they never wear and which clog up their wardrobe and they spend a long time regretting the impulse which caused them to spend their hard-earned cash on the wrong thing in the first place. My advice to anyone who can think of these items in their wardrobe now is to bite the bullet and throw them out – yes, gents that includes the Hawaiian shirts, the cardigans you will never wear because they make you feel like your dad! And that roll neck sweater you bought thinking it’d look cool under your suit which you can’t quite bring yourself to put on.

And ladies that coat in orange when you never wear orange and have nothing to go with it! The skirt you fell for and bought because you thought you were going to change from a lifetime of wearing trousers etc. The party outfit of chiffon and sequins when you don’t go to parties.

My advice for buying in the sales is know your colours and your style, what your body’s shaped like and how you like to be seen. Buy second items of sweaters and trousers which you’ve bought before and hammered or buy those items in a different colour-way. Avoid high fashion colours or styles as these won’t last more than a month. Go for your neutral colours – if there’s a bargain pair of black shoes or trousers which fit well then go ahead and buy them if you know you wear black a lot and they are a classic style so will be usable next year.

In fact good advice with any sales purchase is to look at the item if it’s near the end of the season for that particular purchase and think whether you will want to wear it in ten months time because the likelihood is that you will get 2-4 weeks wear out of it and then have to put it away as the weather changes and makes it inappropriate. Do this and you won’t go far wrong.

Happy sales shopping!

Beautiful Savings – Guide to Surviving Sample Sales

I’m sure everyone is familiar with this feeling: you’ve been eyeing the most gorgeous pair of Tory Burch heels, with its gorgeous silhouette and sleek style. But alas, your heart skips a beat when you look at the price, as you replace them on the shelf and silently affirm “One day… I’ll save enough to have it.” Well, thanks to the numerous sample sales in New York City’s fashion district, “One day” may be much sooner than you think! The one thing that shopaholics (such as myself!) like better than shopping are bargains! And bargains are always beautiful! Here are some tips on scoring heart-stopping deals with prices that won’t give you a heart attack.

Research, Research, Research!

The wealth of information available on the internet is amazing! Websites such as Topbutton and DailyCandy post information on sample sales in various cities.

Got some extra time during the day? Prominent shopping areas, such as New York City’s garment district may have people advertising sample sales for specific showrooms. Take a stroll in these areas and be on the lookout for someone handing out fliers to such sales. Once you’re at the sale, place yourself on their contact list so you can be notified of future sales. Some showrooms may not be so public about their sales. Well-known designers, such as Prada, have sales twice a year, so if you know someone who’s in the loop and has info to a certain showroom, try calling calling in favors and ask when the next sample sale will occur.

Go with a Plan!

Plan on arriving 30 minutes to 1 hour before the sale, particularly for sought-after brands. Anticipate long lines for entry, try-ons, and purchases. Be patient! Usually the first day of a sample sale has the best selection due to the highest number of inventory. If day one is a no-go on your schedule, call ahead of time and ask if additional items will be put out or prices cut later in the week.

Always have cash on hand- some sales may not accept credit cards or personal checks. On the plus side, some sales will may fore-go tax if you pay in cash.

Wear leggings and a tank top or sports bra under your clothes. This allows you to easily try clothes on, especially if private dressing rooms are unavailable.

Never wear a brand to its own sale. It could get lost amongst the other merchandise.

Shopping buddies are great to have- they give their honest opinions on what does and doesn’t look flattering.

Survey the land.

If the atmosphere is relaxed, you can take your time and peruse the aisles and racks so you can decide what to buy. But in the event that chaos is present, it’s always effective to grab and go! Select items in your size range that look appealing to try on, avoiding anything that’s stained, torn, or needs a lot of tailoring. Having a friend sample sale shop also helps, especially when it comes to the long try-on and check-out lines.

Mind your manners.

Sample sales can get overcrowded, and the more bodies under one roof, the more colorful the personalities. While there are those that can get aggressive, and sometime downright rude, I personally feel no item is worth fighting over. If someone is blocking a rack or dominating a mirror, politely ask her to move for just a second. Remember, when it comes down to it, it’s just stuff; there’s more to life than having everything.

Shop Smart

Look for unique pieces that you can’t normally get from the local department stores. The best deals at sample sales are bags, dresses, outerwear, and shoes. Prices on these items are usually below wholesale price. Always try to ask for a better price, especially if you are buying a lot of items. If you are buying $400 worth of merchandise, see if you can get it for $350. The people at the register know that people are here for a deal, and they want to get out as much inventory as they can.

There are more than just sample sales.

Shopping, samples, and cocktails- need I say more? Companies such as Shecky’s Media and Style Fixx hold events at popular venues that are more like happy hour with girlfriends than shopping. These events have local designers and beauty companies that showcase their newest products, all at 30-75% off retail. They also offer “goodie bags” filled with product samples for you to try. Sign up for the next Shecky’s event here.

The internet’s popularity has also allowed for online sample sales that offer discount for designer items. Sites such as RueLala and Ideeli require membership to shop online.

How to Save Money at Garage Sales

Garage Sales are a great place to find bargains. From expensive china to scuba gear, you can find everything, and anything you want, at a garage sale. Here are some strategies to maximize your shopping experience and help you get the most for your time and money.

First, know in advance what you are shopping for. When you shop for clothing, have a list of exactly which clothing items each family member needs along with their measurements. Carry a soft tape measure with you. Since items can’t be returned from a garage sale, you don’t want to make any mistakes. When shopping for an item for your home, bring an small sample of the color you are looking for. Out in the bright sun, colors may appear differently so having a color swatch helps.

Equally important to knowing what you’re looking for, is knowing how much you want to spend. Before you go garage sale shopping, know the retail price of each item you are looking for. This information makes it easier to spot a deal. Since it’s so easy to get caught up in the buying spirit, have a dollar amount in mind for what you are willing to pay for each item used. There’s nothing worse than getting home and realizing that you paid more than you wanted to.

At each garage sale, if you don’t see what you are looking for, don’t be afraid to ask. Last month I went in search of a girls 24 inch bike. I inquired at each sale, and at the fourth sale, the lady wheeled out a beautiful Huffy bike from her garage that she wanted to sell, but forgot to set out. It was in great shape and at a great price, but I know if it had been out when the sale started, it would have been gone by the time I arrived.

Go early, or late to sales. This strategy is an easy one. The first ones to a sale get first crack at the good stuff. By attending later, sellers may be more willing to negotiate on price. You will encounter sellers who practically give stuff away just to get rid of it. Make sure you are prepared to shop. By that I mean, know where the garage sales are in advance, so you can plan the best route to take. Bring drinks and snacks, especially if you are taking the kids with you. Have singles and loose change easily accessible so you can buy quickly and move to the next sale. Be sure and wear comfortable clothing, especially shoes.

Here in Florida, entire communities hold their garage sales on the same day. Look for areas in your town that may do the same. Many sales close together helps you maximize your time, and gives you a better chance of finding what you are looking for. I have found everything I could ever hope to find at garage sales. Some of my best treasures include an English riding helmet for my daughter, the first handheld Nintendo video game (now a collectors item), and a set of china for 8 that retails for over $500 (of course I paid significantly less). Now that you know these tips and tricks, you can reel in some great deals too. Happy Hunting!

Skincare Sale? – Or Are You Better Off Buying On The Internet?

Shopping for a skincare sale might not be a good idea. While all of us like to save money, some things are a waste, no matter how little they cost. If a product is ineffective, there is no point in buying it.

A product that causes an adverse or an allergic reaction will cost a lot more than the price tag indicates. You might have to make a trip to the dermatologist’s office.

Cosmetic companies will not cover medical bills related to an adverse reaction, because it has traditionally been left up to the consumer to protect his or her own health. Even trying to get your money back on an unusable product can be difficult.

Most companies will not accept returns on any product that has been opened. It is particularly hard to get your money back on a discounted item. Only the best companies guarantee your satisfaction.

Another issue to be concerned about with cosmetics is shelf-life. Discounted items may have been sitting on some retailer’s shelf for years. Regardless of the kind of preservative included in the product, there will be a buildup of bacteria after a certain length of time.

Instead of looking for a skincare sale, you might look for a manufacturer that sells directly to customers. One of the things that add to the consumers’ final cost is retail markup. Retail market can be as high as 100%.

More small manufacturers are selling directly to consumers by way of the internet. The internet has made it possible for the companies to reach their customers without using a middleman. Instead of paying hundreds of dollars for an excellent anti-aging cream, for example, you can get the same quality for an affordable price by buying direct.

There are other ways to save money without looking for a skincare sale. Avoiding companies that do a lot of television advertising is a good idea. Those ads cost a lot of money and we end up paying for them.

Avoiding designer names is another good idea. Just because a product has a designer name does not mean the quality is better. Fashion designers know nothing about creating safe or effective skin care products. Their specialties lie elsewhere. Fancy bottles and packaging are another waste of money.

You can find safe, effective, affordable and even all natural products without waiting for a skincare sale. Shop around the internet for a while and you’ll see what I mean.

What is a Private Sale?

A private sale is a process through which a buyer gets limited stock or sample fashion merchandise from a brand or designer directly and offers it to the buyer at a very competitive price. This process has been going in Los Angeles and New York where a lot of people reach these private sale shops in order to get their hands on low priced samples and stock. Sometimes these samples of clothing and shoes are available only in a certain size which makes it a little limiting but there are a number of other accessories like hand bags and jewelry in which there is no consideration of size. Other stock might also be released from these designers at random and these items are priced much lower than the usual price tags.

A lot of people have now opened up such private sale websites online where the consumers can get even more discounts. This is because while a local requires such additional charges like location rental and utility bills, in an internet shop there are no such considerations and the customers can get their favorite products at a rate that is even lower than the local shops. This is one reason why so many people are now opting to become member of such private sale clubs. All the items offered at such shops are completely original and they are very limited editions so it is important to act promptly to buy the product as soon as you see it otherwise you will miss the opportunity.

Make The Sales Work For You

When the banners go up for a sale at one of your favourite stores, it is very easy to be drawn in to thinking that you are going to make a killing and get a whole new wardrobe at a fraction of the price. Yet when you come to it and actually try to find yourself a bargain that you are actually going to want to wear, it’s not so easy. But there are ways to make sure that you get want you want, at the price you want to pay.

There are a number of reasons why stores have special promotions. They can be used to quickly move last seasons stocks in time for the new seasons lines or they can be used to encourage you to visit the store so that while you are there you will continue to browse and buy further items that are not on sale. Or they can simply promote the name of one retailer over another to get more brand awareness. Whatever the reason for the sale, if there is an item you want and the sale is on then it can be increasingly frustrating when you can’t find what you are looking for or they don’t have your size.

When you visit even the best retailers during a sale the stock becomes mixed up and the stores can become so busy that when you do get to a rail, trying to find what you are looking for is simply madness. Shop assistants are so busy they do not have time to help, and when they do have the time, the stock is usually so confused that they can’t find what you are looking for either. With massive clearance sales you may even find that non sale stock has been taken off the shop floor to make way for the sale, limiting your choice even further. You can find yourselves spending hours in a store to finally find the thing you want and then having to queue for what seems like the rest of the day to make your savings.

The question is “Is It Worth It?” and I would say the answer has to be no!

If you want a relaxed shopping experience during a sale and want to see quickly and easily what a certain store has in your size and what options you have, then the simple solution is to shop online. With more stores promoting their online sales before they start and with an increasing number of stores starting their online sales a day or even two days before the sale in the store, the online shopping experience is the only way to go to make sure you get what you want at the price you want to pay.

Historically people have avoided clothes shopping online as it is impossible to try before you buy and returning goods has always been seen as difficult. But as more stores close their changing rooms during the sales and even more stores are taking their changing rooms away altogether, returning items, especially online, has become a very simple process, with a lot of the stock being picked up from your door free of charge. By sale shopping online you can also get to the store a lot earlier. Who wants to be queuing for hours in a high street for a store to open at 5am when you can set your alarm for a few minutes before hand and get all your bargains whilst drinking a cup of coffee in a warm, relaxed and friendly environment. There is no pushing and shoving to get to the rail first and it is quick and easy to find out whether they have an item in your size.

The Do’s and Don’t’s of Sales Shopping

If it seems too early to be thinking about the January sales, think again! In this bleak financial market, the sales will be starting much earlier this year as retailers try to tempt us to part with our money. So what is there to think about? How do you plan for the sales? If you usually wander around them aimlessly picking up a few ‘bargains’ here and there, things that you don’t really need and later regret buying, read on…

1. Avoid the shops that roll out rails and rails of clothes stock from previous seasons. If no-one wanted them in Winter ’07 or ’06, why would you want them now?

2. Avoid high fashion items that are on their way out. Instead look for good quality investment items that won’t date such as cashmere sweaters, leather jackets and wool coats. You’ll be able to wear them for seasons and seasons to come and will be proud that you got such a good bargain.

3. If you come across an item that you really love but can’t afford in this season’s collections, don’t despair. Keep an eye on the price tag throughout December to see if the price falls drastically. If not, find a helpful assistant and ask when the item will be going in the sales and what the price will be. Sales assistants often have this information and by asking them for it you can ensure that you turn up on the right day, at the right time and go away with something you really want.

4. Have a good look through the underwear section. A certain design or colour of bra might not have been the season’s best-seller but if it is the right size and does the job it doesn’t matter – most people will never see it! Often bras can be picked up for half price or lower in the January sales and although they may not end up being your favourite special occasion bras they’re ideal for everyday use.

5. If you’re a regular attendee of glitzy evening events, parties and balls, plan ahead and get your cocktail dresses in the sales. There is usually a good selection left over after Christmas and they won’t date too quickly.

6. As with all clothes shopping, make sure the items you buy really suit your colouring and show off your figure. If you’re not sure about the colours and styles that suit you best, book a colour analysis and style consultation before you hit the sales. The initial cost may seem expensive but in the long run they will save you money on costly mistakes. Alternatively, why not book a style consultant for some personal shopping. They will give you an honest opinion and won’t let you buy unflattering items just because they are cheap. Instead they will find you bargains that really bring out the best in you.

Tips for Sale Shopping

I remember when I was growing up, venturing up to Oxford Street most years on 27th December and waiting for the stores to open, it was part of Christmas week traditions for our family. A chance for us to get out of the house after a few days all being sat round together, to look for bargains. The initial 2 hours of sale shopping was usually followed by a cake and hot chocolate around 11am (as if we hadn’t already eaten enough… !). I am sure some of you can identify with that habit and excitement whilst others recoil in horror at the thought. It really is a ‘Marmite’ situation!

Nowadays of course, the sales begin long before Christmas. When I ventured to the shops at the weekend to get the last few gifts, there were many temptations for myself! Whether we like the ritual of conscious sale shopping or not, most of us like a bargain and most of us have bought things we later regret, whether it be that discounted coffee maker (my parents!) or the heavily discounted designer jacket.

Certainly when it comes to clothing, it’s easy to be coerced into buying something because it is ‘cheap’. However, it is very expensive if you then never wear it! You are not alone if you have items in your wardrobe with the labels still on, many of my clients do. So here are my top tips for making sure you make wise purchases in the sales if you are going rather than ending up with items that in reality you will never ever wear.

They might not be rocket science points but most people won’t have considered them before coming back laden with bags!

    • Look in your wardrobe before you head out, we all forget what we have lurking in there. It’s disappointing to come back with something that is a carbon copy of something you have already. Yes black trousers are versatile but do you really need 5 pairs?
    • Identify items in your current wardrobe that you don’t wear and would like to. If it’s because they don’t go with anything, think carefully about what they would go with so you can look for those clothing items, accessories and shoes.
    • Make a list of 3 things you want to look for and decide in your mind how many more you’re prepared to buy so you have something to aim for.
    • Set a budget, how much are you prepared to spend?
    • Visit shops that are a higher price bracket than you would usually go to. Often the discounts are heavier and you’ll get a higher quality item. Remember the cost per wear equation. If it’s a staple such as a nice jacket that you’ll wear to work several times a week, it’s worth spending a bit more on it so it remains looking good.
    • Don’t be swayed by sales assistants or even others in the changing room. They can’t always be trusted. If you know you suit charcoal grey much better than black then stick to that.
    • Unless you are really sure, buy from shops where you can return items, especially if you want to check out how they combine with existing items in your wardrobe.
    • If it’s an item in an accent colour i.e. a colour other than black, brown, grey, navy or white then think about what else it will go with in your wardrobe. Avoid buying a load of tops or shirts that only go with black trousers or jeans. If you are doing that and are female, make sure you have some accessories/shoes to match it so your outfit looks well thought through.
    • Ask yourself if you really like each item you are considering buying. Would you consider it if it was full price?

If you are female, wear clothing that is easy to remove to try things on, tights are usually a good option as you can put trousers over them and skirts over them to check dresses and skirts work.

 

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