Two years ago today, Barack Obama was inaugurated as president of the United States. Are you better off today than you were two years ago?
Numbers don't lie, and here are the data on the impact he has had on the lives of Americans:
A small number of states continue to be the hardest hit. California, Florida, Arizona, Illinois and Michigan account for half of the nation's total filings.
Many analysts believe that housing cannot recover in markets where unemployment is above 10%. Low interest rates on mortgages have not aided home sales, at least not in a measurable way. Government's attempt to rectify the situations have had mixed success. Tax credits, offered early in the year, boosted buying activity, but those benefits expired in April. The Home Affordable Modification Program (HAMP), meant to refinance mortgages to keep people in their homes, was simply a failure.
Another problem that faces the housing recovery is that many potential home buyers believe that prices could go even lower. S&P forecast that home prices could drop another 7% to 10% this year.
James J. Saccacio, chief executive officer of RealtyTrac, offered little hope for the beginning of 2011. He said "many of the foreclosure proceedings that were stopped in late 2010 -- which we estimate may be as high as a quarter million -- will likely be re-started and add to the numbers in early 2011."
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Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
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Two years ago today, Barack Obama was inaugurated as president of the United States. Are you better off today than you were two years ago?
Numbers don't lie, and here are the data on the impact he has had on the lives of Americans:
A small number of states continue to be the hardest hit. California, Florida, Arizona, Illinois and Michigan account for half of the nation's total filings.
Many analysts believe that housing cannot recover in markets where unemployment is above 10%. Low interest rates on mortgages have not aided home sales, at least not in a measurable way. Government's attempt to rectify the situations have had mixed success. Tax credits, offered early in the year, boosted buying activity, but those benefits expired in April. The Home Affordable Modification Program (HAMP), meant to refinance mortgages to keep people in their homes, was simply a failure.
Another problem that faces the housing recovery is that many potential home buyers believe that prices could go even lower. S&P forecast that home prices could drop another 7% to 10% this year.
James J. Saccacio, chief executive officer of RealtyTrac, offered little hope for the beginning of 2011. He said "many of the foreclosure proceedings that were stopped in late 2010 -- which we estimate may be as high as a quarter million -- will likely be re-started and add to the numbers in early 2011."
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Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
bench craft company reviews
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bench craft company reviews
Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
benchcraft company portland or
Two years ago today, Barack Obama was inaugurated as president of the United States. Are you better off today than you were two years ago?
Numbers don't lie, and here are the data on the impact he has had on the lives of Americans:
A small number of states continue to be the hardest hit. California, Florida, Arizona, Illinois and Michigan account for half of the nation's total filings.
Many analysts believe that housing cannot recover in markets where unemployment is above 10%. Low interest rates on mortgages have not aided home sales, at least not in a measurable way. Government's attempt to rectify the situations have had mixed success. Tax credits, offered early in the year, boosted buying activity, but those benefits expired in April. The Home Affordable Modification Program (HAMP), meant to refinance mortgages to keep people in their homes, was simply a failure.
Another problem that faces the housing recovery is that many potential home buyers believe that prices could go even lower. S&P forecast that home prices could drop another 7% to 10% this year.
James J. Saccacio, chief executive officer of RealtyTrac, offered little hope for the beginning of 2011. He said "many of the foreclosure proceedings that were stopped in late 2010 -- which we estimate may be as high as a quarter million -- will likely be re-started and add to the numbers in early 2011."
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Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
bench craft company reviews
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Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
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Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
bench craft company reviews
Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
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bench craft company reviews
Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
bench craft company reviews
A foreclosure cleaning business is a service that handles interior and exterior cleanup and ongoing maintenance of foreclosed homes. With the astronomical number of foreclosures on the market today, the industry is growing by leaps and bounds. According to analysts at Amherst Securities Group LP, an approved underwriter for the Federal Home Loan Bank System, Freddie Mac, and Fannie Mae, one in five homeowners could lose their homes. They also report that even "modified" mortgages are re-defaulting at an astounding rate of 50%.
How to Simplify Bidding Confusion
For the foreclosure cleanup business owner, bidding on jobs can be confusing due to the sheer number of services a business can offer. Small businesses in this line of work often offer services inclusive of the following: Debris removal, cleaning, lawn work, pressure washing and gutter cleaning, carpet removal, carpet cleaning, securing and boarding doors and windows, changing locks, temporary roof repairs (adding tarps), minor repairs and more. Many services also offer pool cleaning, inspections and mold removal in a market overflowing with foreclosures.
To simplify the bidding process, there are four key costs an entrepreneur should always calculate for each job when bidding on work, no matter which category of service a company offers. They are as such:
(i) Labor. As a foreclosure cleanup business owner, one must calculate labor costs. Many small businesses start out using subcontractors or manual laborers from employment agencies. Subcontractors may charge a job rate; while employment agencies will charge an hourly rate for each employee used.
(ii) Supplies. Supplies for a job can encompass everything from cleaning supplies and garbage bags, to goggles, gloves, pool solutions and more.
(iii) Equipment Rental. Many smaller companies start out with equipment they already have in their garages. As the need for equipment not on hand arises, businesses often rent items like trailers, pressure washers, commercial ladders, and the like, from home depot type outlets.
(iv) Miscellaneous Fees. Miscellaneous fees encompass factors such as gas, garbage dumping fees, box of bottled water for the crew, and more. (Some miscellaneous costs will include unforeseen expenses such as, for example, orange vests for the crew in an unforeseen high-trafficked area. These vests can run from $7 to $15 bucks each, but can be items loaned temporarily to a crew for a specific job and kept on-hand for future use. But that initial expense may fall under the Miscellaneous category for a specific job.)
Estimate Bids Strategically
If a foreclosure cleanup business owner has a pretty good gauge of the four key costs above when bidding on jobs, and they factor in indirect costs and company profit margin, they will always make a profit on their foreclosure cleanup jobs.
But if they give a price off the top of their head, without considering labor, supplies, equipment rental and those inevitable miscellaneous fees, they may secure the job, but they will have underbid. The price they give will leave them in the negative on a job, or the amount they earn will not be enough to warrant having won the job.
Figure Out What Went Wrong in Underbid Scenario
Business is all about learning; each foreclosure cleaning job will teach something valuable. If a job is underbid, the owner should simply dissect what they did wrong, where they overspent, overpaid, and ultimately underbid, and use that lesson to bid appropriately on the next job. It's not about winning bids; it's about winning bids and being in the black (making a profit).
Entrepreneurs should calculate bids strategically, and ultimately bid on jobs to leave them with a nice profit at the end of the day.
Good luck strategically bidding on the plethora of foreclosure cleanup jobs hitting the market.
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Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
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'The Daily,' unveiled on Wednesday, combines print, video and graphics.
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Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
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Fashion <b>News</b> - Week in Review: Kate Moss Gets Engaged, Gisele <b>...</b>
Here's all the fashion news that's fit to print! Enjoy!
The First Look at <b>News</b> Corp.'s 'The Daily' - NYTimes.com
'The Daily,' unveiled on Wednesday, combines print, video and graphics.
<b>News</b> Corp. exec: “The right time” to sell Myspace | VentureBeat
Anthony is a senior editor at VentureBeat, as well as its reporter on media, advertising, and social networks. Before joining ...
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