What Does It Take To Sell Your Own Home? #selling #your #own


What does it take to sell your own home?

Selling your own home

If you want to sell your own home without parting with thousands of dollars in commissions to real estate agents, consider the for-sale-by-owner, or FSBO, process as a way to save money.

Doug Perlson, founder of RealDirect, a New York City company that helps FSBO sellers market their homes, says many owners who paid top dollar for their properties a few years ago are finding that the drop in real estate prices in the wake of the housing bubble makes it harder for them to come up with the funds for closing.

A for-sale-by-owner approach is appealing because every dollar saved is that much more important when you re selling for less than you ultimately paid, he says.

In 2011, 10 percent of home sales were FSBO sales, according to the National Association of Realtors. Selling your own home requires more time and effort than working with a traditional agent, says Perlson. But it s worth researching the pros and cons if you seriously want to sell your own home.

Here s a look at factors to consider if you re thinking about selling your own home FSBO.

Money-saving potential

The biggest reason people sell FSBO is the potential to save money, Perlson says. Sales commission paid to a real estate agent is often as high as 6 percent. Avoiding this fee is the only way many owners can afford to sell, he adds.

Saving money is a huge plus, but there are also some drawbacks to FSBO home sales, says Katie Wethman, a real estate agent in McLean, Va. Owners still have to spend some money upfront, and they also have to spend time and effort marketing their property without a guarantee they will find a qualified buyer.

It s a given that sellers will have to design and print fliers, yard signs and other marketing material on their own. But according to Perlson, it can also cost sellers up to $400 a month to get their home listed in various Internet home sales sites and a local multiple listing service, or MLS.

A commitment of time

Homeowners also have to take time to stage their property, take photos and write descriptions for their listing, Perlson says. Instead of handing the keys to a real estate agent to handle showings and open houses, FSBO sellers are responsible for being available to potential buyers. This can mean staying home on nights and weekends so potential buyers can visit.

The work and time commitment really comes around showings, Perlson says. Sellers can set their own schedules, so they don t necessarily have to be available every evening. But it is important to be as accommodating to potential buyers as possible, he adds.

Dealing with low offers

The seller hopes to save money, but if a buyer makes an offer on an FSBO, it could be lower than what the owner hopes for. The buyer may want to participate in the savings, Wethman says.

If a potential buyer has his own agent, he may not even consider an FSBO home unless the owner is willing to pay the agent s commission, according to Perlson. That s because the seller s agent would normally split his fee with the buyer s agent, so with a FSBO, the owner takes the place of the seller s agent, he explains. If you agree to the sale, expect to pay around 3 percent of the purchase price to the buyer s agent.

Your net proceeds would lower, but there is a benefit of working with buyers agents because it can expand your pool of prospects, Perlson says. If you re going to get the highest possible price, you need to have the most potential buyers.

Legal disclosures

Even after you agree on a price, you still need to prepare the sales contract, says Shawn Christopher, a real estate attorney in Henderson, Nev. The contract should list the responsibilities of both the buyer and seller, terms of the sale, and how the transfer will take place.

He adds that if you don t disclose problems before the sale, such as a foundation crack, roof leaks or mold, the buyer may try to seek legal action later when they find out about the problem.

This may be avoided if the seller hires an attorney to review their contract and even conduct the closing, he says. Some states require the use of an attorney for the sale. Typically, lawyers charge $300 an hour or more for their services, Christopher says, but the cost of good legal help is worth it.

Potential FSBO home sellers should make sure they research their market and assemble a skilled team to help, Wethman says. No one thinks they need a professional until something goes wrong.

Washington Vehicle – Car Title Transfers #washington #car #title, #washington #title #transfer,


Title Transfers in Washington

How to Transfer Your Vehicle Title in Washington

  • Have the previous owner sign the vehicle over to you.
  • Complete a bill of sale with previous owner and complete a title application.
  • Submit forms and payment to the DOL by mail or in person.
  • Continue reading for more details.

There are many instances where you may have to perform a title transfer for your vehicle. Read below to learn the steps to accomplish a title transfer under varying circumstances.

NOTE . The Washington Department of Licensing (DOL) has separate offices for driver’s license-related issues and vehicle licensing tasks. If you wish to visit an office in person for a transaction involving a vehicle title, make sure you go to a vehicle licensing office .

New-to-State Titles

Once you have established residency in Washington, you must register your vehicle within 30 days. Please note that you must FIRST apply for a WA driver’s license. Check out our page on registering your vehicle in Washington for more on the process and cost.

The DOL will issue you a Washington title along with your registration. To get your Washington title and registration, you can submit the following to the DOL:

You can submit all of the above to the DOL:

  • By mail to the address listed in the application – You will have to wait for your license plates to be mailed to you.
  • In person at a vehicle licensing office – Your plates will be issued to you on the spot.

Your title should arrive within 10 weeks, but if you need it faster, visit or mail your forms and payment to a Quick Title office. along with an additional $50 expedited fee.

Your car may be subject to an emissions test if you have moved to Clark, King, Pierce, Snohomish, or Spokane County.

Additionally, if your vehicle is model year 2009 or newer. it must meet California emissions standards in order for you to register it in Washington.

Buying or Selling a Vehicle in Washington

Take the following steps when transferring a title after you purchase or sell a vehicle in Washington. Check out our page on registering your vehicle in Washington for more about the registration cost and process.

Buying from a Dealer

Licensed car dealers in Washington are equipped to handle the basic administrative DOL tasks including titling and registering your brand new car. This means you do not have to worry about transferring the vehicle’s title to your name. You will simply need to provide your valid, current Washington driver’s license.

Typically, any associated DOL fees will be paid through your dealer as part of the sale.

Buying from a Private Party

Once you complete a vehicle purchase from a private party in Washington, you must transfer the title to your name within 15 days. If you fail to transfer your title within the required 15 days, you’ll be subject to the following penalties:

To complete the transfer, take the following steps:

Expect your title to arrive within 10 weeks. For expedited titles, mail or bring your forms and payment, along with a $50 quick title fee. to any Quick Title office.

* NOTE . If the seller has lost or misplaced the original title, please see Duplicate Titles in WA below.

Selling Your Car

Take the following steps to transfer your car to a Washington buyer:

  • Complete all transfer information on the back of your current WA title, including the:
    • License plate number.
    • Date and price of sale.
    • Name of the buyer.
    • Vehicle identification number (VIN).
  • Complete a Vehicle/Vessel Bill of Sale (Form TD-420-065) with the buyer.
  • Remove the license plates and either surrender or transfer them.
  • Report the sale to the DOL within 5 business days of the transaction. You can do this:
    • Online for free.
    • At a vehicle licensing location. fees may apply.
    • By mail with a completed Vehicle Report of Sale (Form TD-420-062): fees may apply.

Gifted Vehicle Title Transfers

Receiving a Gifted Vehicle

Transferring a Washington vehicle title to your name after a car has been gifted to you is a similar process to applying for a title transfer after you have purchased a car from a private seller. Note the following differences:

  • On the Vehicle/Vessel Bill of Sale (Form TD-420-065), enter “0″ for the sale price.
  • If possible, obtain any proof from the person gifting the car that all sales or use tax on the car have been paid. This will save you from having to pay this tax yourself.
    • If no proof can be provided, you will be responsible for 0.3% use tax.
    • If the car is 7 years old or older, you do not have to pay sales or use tax.
  • Pay the $12 title transfer service fee, plus your specific title fee (varies by vehicle; contact the DOL for details).

Gifting a Vehicle to Another Party

Transferring ownership of a vehicle title is ultimately the responsibility of the person receiving the gifted car. However, you must:

  • Sign the current transfer over to the person receiving the gift.
  • Fill out the appropriate portion of the Vehicle/Vessel Bill of Sale (Form TD-420-065).
  • Report the sale (gifting) to the DOL. You can do this:
    • Online for free.
    • At a DOL licensing office. fees may apply.
    • By mail with a completed Vehicle Report of Sale (Form TD-420-062): fees may apply.
  • Remove the vehicle’s license plates and either transfer or surrender them .

It’s helpful if you provide the recipient with proof of sales tax paid on the vehicle you’re gifting them with. Otherwise, they will be required to pay use tax on the car.

Donating a Vehicle in Washington

When donating a car to an organization treat the transfer as if you were gifting the vehicle (see above ).

Remember to obtain documentation from the organization receiving your donation for tax purposes.

Removing a Lien

If you have finished paying off your car loan, you will need to have your lender release the lien on your Washington title, so that you can title and register the car under your name.

Typically lienholders will take care of this entire process for you. However, if your lienholder does not complete the lien release, you can submit one of the following to the WA DOL:

  • A completed Affidavit of Loss/Release of Interest/Gross Weight License (Form TD-420-040) with a notarized signature from the lienholder.
  • The current title released to you with the lienholder’s signature.

Contact your lienholder for details on obtaining the released title.

Changing Information on a WA Title

The following types of changes can be made on your Washington title:

Name Change

In order to change your name on your Washington title, submit the following to the WA DOL:

  • Your current title .
  • A completed Vehicle Certificate of Ownership (Title) Application (Form TD-420-001).
  • Proof of your name change. This can be one of the following:
    • A court order.
    • A completed Vehicle/Vessel Owner Name Update Affidavit for Individual (Form TD-420-047) notarized OR signed in front of a DOL vehicle licensing office employee.
  • Payment for the $12 titling service fee, plus your new title fee (contact your local vehicle licensing office for details).

You can submit all of the above to the Department of Licensing:

Refunds and Title Services
Department of Licensing
PO Box 9043
Olympia, WA 98507

For further information on changing your name in Washington, please visit our guide to WA Name Changes.

Change Your Address

You can change your address on your Washington title and registration online at the DOL website or in person at a vehicle licensing office. Be ready to provide:

  • Your license plate number.
  • Your VIN.
  • Your former address.
  • Your new address.
  • Payment for the $12 service fee and applicable titling fee (your local DOL vehicle licensing office can give you the exact amount).

For more information on address changes in Washington, please visit our WA Change of Address page.

Duplicate Titles in WA

If you’ve misplaced the original WA title to your vehicle during a sale—or the seller has misplaced it if you’re involved in a purchase—the vehicle owner will need to:

  • Complete an Affidavit of Loss/Release of Interest/Gross Weight License (Form TD-420-040).
  • Sign the form in front of a notary.
  • Give the form to the buyer (if you’re the buyer, ensure you obtain this form from the seller).
  • Pay the $31 duplicate title fee plus the $12 service fee.

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Online Course: Effective Communication 101 – CEUs and Certificate #communications #class #online,


Effective Communication 101

Lesson 1: Recognizing and Understanding Communication Styles

This lesson will help recognize four of the major communication styles. Each style serves a different purpose, and you will be able to identify those and understand which is the most effective.

  • Lesson 2: Verbal Communication

    This lesson will break down verbal communication into various subcategories. It will help to find key areas for improvement when misunderstandings arise.

  • Lesson 3: Nonverbal Communication

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  • Lesson 4: Communicating in Writing

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  • Lesson 6: Group Communication

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  • Lesson 7: Communications Technology

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  • Lesson 8: Barriers to Communication

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  • Lesson 9: Cultural Aspects of Communication

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  • Lesson 10: Disagreements and Conflicts

    In this lesson, you will learn how to handle disagreements before and after they occur.

  • Lesson 11: Negotiation

    In this lesson, you will learn the basics of negotiation. It will also pull together some of the skills you have learned throughout this course and show you how to utilize them to reach a specific goal.

  • Lesson 12: Constructive Criticism

    In this lesson, you will learn how to offer and receive constructive criticism. You will also learn the dynamics of the critical relationship.

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Effective Communication 101

    Course Number: 7550121

    Learning Outcomes

    By successfully completing this course, students will be able to:

    • Recognize and describe various communication styles.
    • Define verbal communication.
    • Define nonverbal communication.
    • Demonstrate proper techniques when communicating in writing.
    • Demonstrate techniques for improving conversational skills.
    • Demonstrate techniques for improving group communication.
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    • Define barriers to communication.
    • Compare and contrast cultural aspects of communication.
    • Describe communication strategies to resolve disagreements and conflicts.
    • Describe negotiation strategies.
    • Describe how to receive and deliver constructive criticism, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

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