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Real Estate Agent

Smartmoney.com: Consumer Action: Ten Things Your Real Estate Broker Won't Tell You Thursday December 29, 2005 3:23 PM ET U.S. Markets close in: :37 Search (choose an option below) Quote Charting Earnings Ratings Competition Financials Profile Key Statistics Insiders Site Search News (Enter Symbol) advanced search SmartMoney Select My Portfolio Tools Maps Stocks Advanced Trading Funds ETFs Personal Finance Autos Career Journal College Planning Debt Management Health Care Insurance Life LTC Insurance Real Estate Retirement Tax Guide Economy & Bonds Small Business SmartMoney TV SmartMoney Magazine SmartMoney University Business Travel Technology SmartMoney Mobile Holiday Survival Guide Select Homepage Stock Screener Market Map 1000 Fund Screener Stock Compare Fund Map 1000 Fund Compare XStream Quotes More... 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Editor's Picks Features Ten Things Real-Life Index Advertisement 4.25% APY with hsbcdirect.com Online Savings. Earn 8X the national savings average and make money into big money. No minimums. No monthly fees. Member FDIC. Email This Story Print This Story Save This Story Send Us Your Comments Add this column to your News Alerts (New!) 1. "Your open house is really a party for me." Hire a real estate broker to sell your home and one of the first things he'll likely suggest is hosting an open house, so potential buyers can casually check out your property on a weekend afternoon. While open houses are promoted as a great way of finding a buyer, a National Association of Realtors study found that their success rate is a mere 2%. No matter. Having an open house serves another important purpose — for the broker. "It gives him a database of clients," says Sean McNeill, an independent real estate broker based in New York City who says that he doesn't like open houses, preferring to match clients with appropriate buyers. "At open houses, you get all kinds of people walking in. Some are [trying] to see how much they should sell their own places for; others just want to get a look at what's out there." All are perfect pickings for a broker looking to increase his roster of buyers and sellers. "Think about it," McNeill says. "The broker is devoting a couple hours of a weekend. He won't do that unless it helps him in a big way." 2. "My fees are negotiable." Brokers like to make it sound as if their fees are engraved in stone, but that's rarely the case — especially in a brisk market, when brokers fiercely compete for properties they can unload fast. This past summer one broker in the Midwest says he lowered his fee by a full percentage point because there was so much demand for good properties that he needed leverage. Indeed, says the broker, who asked not to be named, sellers should shop around for broker's fees. He suggests these negotiating tactics: "If somebody's willing to commit to me for selling one place and buying another, I give a discount. If you're in a particularly desirable neighborhood with a house that will bring a lot of traffic" — say, at an open house — "that can be used, because the broker will use the flow of people to get potential customers. And with some [smaller] brokers, all you need to do is ask and they'll lower the commission." 3. "Think you've had no offers? Actually, there've been several." Legally, the broker you hire to sell your home is obligated to tell you about all offers that come in. In reality, some don't. Perhaps he thinks the offer is insultingly low for you, but more likely, "the broker thinks it's too low for his own purposes. He wants to hold out for a bigger commission," says McNeill. Or else there's an outside broker (or "co-broker") circling your house, and the primary broker is waiting for one of his own clients to make an offer so he can keep the full 6% to himself. "You must be clear with your broker that you want to be informed of all offers," McNeill says. "Otherwise, you may be leaving him to make decisions that you should be making." Check the listing agreement drawn up when you hire the broker; if the promise to disclose all offers isn't listed explicitly, insist that it be added. 4. "I talk about you behind your back." You spot your dream house as you're driving through a neighborhood and call the broker listed on the For Sale sign. That's how a lot of buyers stumble on a broker — who, in turn, happily shows you other houses, asking about your needs, laughing at your jokes. It's easy to get loose-lipped and forget whom you're dealing with: someone else's agent. "Legally, brokers are obligated to provide their sellers with any information that can help them get the best prices for their homes," says Stephen Israel, president of Buyer's Edge, a Bethesda, Md.-based company that represents homebuyers. "If you tell the broker that you're willing to pay $500,000 but want to offer $450,000, they'll pass that on to the seller. They have to." Also, some brokerage companies encourage prospective buyers to get preapproved for loans. While that can make a buyer more attractive to a lender, it also tells a broker whether a buyer can afford a $600,000 house when he's trying to haggle on a $400,000 property. "When somebody asks for [a preapproval], find out who they're representing," says Israel, acknowledging that such details can short-circuit your negotiating leverage. "If they represent a seller — or someone in their office does — they shouldn't have it. The broker may tell you she will be impartial, but how can she be?" 5. "Sometimes I forget whose side I'm on." The past 10 years have seen the proliferation of the buyer broker, agents who are supposed to work strictly in the buyer's interest, helping him get a fair price on a home as well as avoid pitfalls along the way. Unfortunately, things don't always unfold so nicely. While buyers may think they're getting a broker who isn't commission-hungry, many buyer agents are just that: They usually get about 3%, the same amount any broker typically earns when he gets involved with another agent's listing. "Buyer brokers are sometimes too focused on closing the sale and getting that commission," says Max Gordon, an Overland Park, Kan.-based real estate broker and attorney, so it's often in their best interest to see you pay as high a price as possible. Even worse, some brokers who call themselves buyer advocates are actually working for companies that also represent sellers. "Brokerages offer bonuses to buyer agents if they sell an in-house listing," says Israel. A good way to get a broker who has no such conflicts of interest: The National Association of Exclusive Buyer Agents, whose Web site (www.naeba.com) can help you find a buyer agent near you who pledges to help you get the best deal possible and has no ties to sellers' agents; many even work on a fee structure rather than on commission. Page 1 | 2 Consumer Action Archive To license this content, click here ADVERTISEMENTS Click here to get your FREE report -- The Motley Fools´ 2 Top Picks. Receive a $50 Hyatt Gift Card.Book online using your American Express Card Get 4.25% APY at hsbcdirect.com. Earn 8X the national savings average. Learn about every move Jim Cramer makes before he acts. Learn options trading at a free workshop in your area! Top 10 Breakthrough Stocks for 2006 Yours Free!. $7 stock trades. Open a Scottrade account with just $500. Apply online FREE Options Tip 1: AVOID an option´s last month.Get 4 more here-free! Learn how to stay connected to your customers. Free guide at: See how Sprint Business has helped the PGA move forward. Capital One High Yield Savings - 4.00% APY. Earn More Now! New! SmartMoney Mobile. Stock quotes, market news and more on your mobile phone. BusinessWeek Investor Education. Take control of your financial future. 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House RentalFees Rental fees

Renting Historic Samuel Cupples House | Saint Louis University text only | | about slu | | apply now | | contact slu | | give online | | slu home | | quicklinks Admissions Academics Academic Calendar Admin Offices Banner Billiken Athletics Campus Life Career Services Colleges and Schools Events on Campus Financial Aid Gateway: Intranet Giving to SLU Libraries Ministry and Outreach Museums and Art People Finder Research Resources for Reporters Safety Student Health SLUCare Technology Web Email WebCT Working at SLU | | | | a-to-z search Eleanor Turshin Glass Collection Now Open Preview the Collection General Information Directions and Map Cupples Museum Shop Art Collections Family and House History 1890 Virtual House Tour R. M. S. Republic Links Cupples Family Survives Disaster! Types of Tours Rent Cupples House Become A Member Fr. Maurice McNamee Fr. McNamee: The Visionary Who Saved Samuel Cupples House Home Guidelinesfor Event Rentalsat Saint Louis University's Historic Samuel Cupples House University Events Services: 977-3728, or 977-7162or 977-3729 (The Cupples House staff does not reserve or bookevents.) These guidelines are in place to prevent accidentsand damage to the historic Cupples House and art collections. We ask that yourespect the historic nature of Samuel Cupples House. Your signature on theconfirmation letter and contract is your acknowledgement that the SamuelCupples House is rented only in compliance with the following: General Only the first and second floors of Cupples House are opened for events scheduled at Cupples House. Sit-down dinners limited to 60 in attendance. Stand-up receptions limited to 150 guests. No smoking in Cupples House on any floors; in galleries, bathrooms or kitchen. No taper candles allowed. Votive candles may be used only if part of a floral table arrangements. Floral arrangements are limited to table centerpieces only. Personal property left at Cupples House will be held for two days only unless other arrangements are made. Cupples House assumes no responsibility for personal property during or after an event. Telephone may be used only in an emergency. Physicians should identify themselves to Cupples House staff if medical calls are expected. Music No dancing is permitted. No brass, band or amplified instruments. String instruments and piano music only. Prohibited Access Backstairs may not be used except in case of emergency. No windows on any floors can be opened. No access to the third floor. No access to exterior balconies on any floor. No access to staff offices, kitchen, storerooms, rooms under installation or otherwise marked as private. Guests Children under the age of 12 are not permitted in the house. No animals allowed except seeing eye dogs with advance permission. Handicapped access is limited to the first floor. Disabled guests should notify event services in advance. Refreshments No alcoholic beverage may be served to anyone under the age of 21. No liquor, beer, or wine may be brought in from outside. Alcoholic beverages must be ordered through our designated caterer only. No outside food may be brought in. University caterer is recommended but not required. Outside caterer must meet with Cupples House director prior to signing reservation contract. No food or drink is permitted on the upper floors of Cupples House. Parties are limited to the first floor only. No food or drink allowed on antique furniture or textiles. Red wine is not permitted in the Conservatory. If accidental spills occur, we request you notify an event services staff member so that the spill may be cleaned up immediately. Table, Bar Set-Up and SpecialEquipment Your event services contact will supply client with examples of table set-up. In order to comply with safety codes, table arrangements may have to be changed in order to keep exit clear and to protect antique furniture. Special needs for podium, reception or presentation tables must be requested no later than one week prior to event. Piano and/or electronic equipment needs must be made at time of booking. Cupples House does not supply electronic equipment. (Screens, slide projectors, carts, VCRs, extension cords, etc.) Event Services can assist the client in arranging this equipment. Deliveries Cupples House has limited storage space for outside deliveries. Deliveries accepted only on the day of the event. All deliveries for evening events must be picked up by 10:30 a.m. on the next business day. Please advise your Event Services contact two days in advance to arrange access. A list of deliveries and the company names must be provided in advance in order to arrange parking gate access. This includes, florists, musicians, party rentals and musical instruments. Parking Visitors are directed to park in the Saint Louis University garage at Grand and Laclede. Photography Photography strictly for personal use is allowed. Photography for reproduction or commercial use is not allowed without prior permission from the Saint Louis University Marketing and Communications Department. To prevent damage, photography, video cameras and photography lighting cannot be directed onto any painting, print or photograph. Cupples House reserves theright to restrict the use of any electronic equipment. Consideration of the Fine andDecorative Art Collection and Historical House No sitting on antique furniture; especially furniture tied off by ribbons. No decorations may be hung, taped, stapled or otherwise attached to the interior architecture or furniture. No furniture or objects may be moved unless approved and supervised by Cupples House staff. If front porch or porte-cochere is used for a reception area, all signs, tables and debris must be removed at the end of the event. Samuel Cupples House RentalFees Rental fees are based on afour-hour rental. Additional hours over four are charged at $100 per each hour. Our closing time is 10:30 p.m. All guests must vacate no later than 11p.m. Cupples House is available for two hour wedding photography sessions.Additional time past the two hour session will be assessed at $100 per each hour. Hours Daytime events: Mondays only. 11 a.m. to 4 p.m. Evening events: Mondaysthrough Sundays. 6 p.m. to 10:30 p.m. Fees/Charges Booking fee four hour reservation of the 1 st and 2 nd floor of Cupples House $250, university departments. $300, university faculty, staff, partners. $750, external group. Weekend surcharge (Fri., Sat., Sunday) $50, university departments $50, university faculty, staff, partners $250, external group Attendant fee $100, university departments $100, university faculty, staff, partners $200, external group Housekeeping fee $50 per 50 guests Piano fee $100 Wedding Photography (up to two hours) $175 Damage Deposit for allexternal rentals $250 How to Make Reservations andPayment: Call University EventsServices: 977-3728, or 977-7162 or 977-3729 Rental of Samuel Cupples Houseis determined on the appropriate nature of the event and on a first-come,first-served basis. Cupples House is unavailableduring the following periods: The month of January, the month of August, allmajor holidays and the weekends surrounding major holidays. These are: NewYear's Day, Easter, Memorial Day, Independence Day, Labor Day, Thanksgiving Dayand Christmas Day. In addition, Cupples House isnot available the week preceding Commencement on the third Saturday of May, andvarious other dates when the University is closed. In some circumstances, the Universityadministration and/or some departments have necessary priority in bookingcertain annual functions. These periods are in conjunction with the opening andclosing months of the academic year and the Thanksgiving to Christmas season. The following types of eventsare not appropriate for Cupples House rental: Wedding ceremonies or photography events Events which serve as a promotion for alcohol or tobacco products Events which have band instruments or dancing Fundraising events for non-University clients Photography or film location shoots without prior permission of the Saint Louis University Marketing and Communications Department Reservations: Reservations will be held for10 days after the mailing of the Event Booking/Reservation form.After returning your space reservation sheet with the required fee, you will besent a special events guidelines packet. Please read the guidelines carefullyto make sure that your planning and interests comply with the list ofregulations. Your deposit or IDO confirmsyour reservation. If not received within 10 days, the date is released to otherpossible clients. Payment Balance for external clientsis due two weeks prior to date of event. Certificate of Insurance forexternal clients due 10 days prior to date of event. Damage Deposit External Clients: A damage deposit of $250 isnecessary for every event. This deposit will be held andthen returned to the client within 10 days after the event assuming thatCupples House was not damaged during your event.. University Departments: The University insurancecarries a deductible of $1,000 so that Cupples House cannot submit claims belowthat amount. Damage that occurs to the interior woodwork, or furniture or artcollection below $1,000 will be billed to the University department along witha statement of loss or repair estimate. Refunds To hold a space, 100 percentof the room cost and administration fee are required. The remaining fees mustbe paid two weeks before the event. If you cancel, all fees except theadministrative fee will be returned one month prior to the event. Half of thedown payment will be returned if the event is canceled two weeks to one monthprior. If the event is canceled less than two weeks prior to the event, no feewill be returned. History Links | Samuel Cupples | Women's Page Chronology | Architecture | Gilded Age about slu | apply now | contact slu | give online | slu home ©1818 - 2005 SAINT LOUIS UNIVERSITY Where Knowledge Touches Lives ®

Real Estate Listings

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Buy House

- Drought - AFA - USOC - CC Hockey Williams had to buy house, handle influx of big money (09/04/05) By FRANK SCHWAB THE GAZETTE ENGLEWOOD - Cornerback Darrent Williams was drafted April 23 by the Denver Broncos. He had three months and five days to get his life together in a new city before he reported to training camp. A few days after he was drafted, Williams had a lot on his mind, aside from the defensive and special-teams playbooks he had to learn. He had to find a house, furnish the house, get a car, hire a financial advisor and maybe buy his mom a house and a car, among other things. "It's different," Williams said. "I never had to look into buying a house or anything like that." His signing bonus was $1.275 million and his base salary is $230,000 this year. Williams said the hardest part probably was buying his house. Assistant defensive backs coach Jimmy Spencer gave Williams the name of a real estate agent shortly after he was drafted, which helped. Williams had never been to Denver, although he got some advice on the area from Broncos running back-Tatum Bell, a former college teammate. Williams stayed in the dorms during his first three years of college at Oklahoma State, then moved into an apartment his last year, so buying a house was a major step. "It was real hectic," Williams said. "I've never purchased anything really in my life, especially not a house. And now there's the mortgage and the payments and the loans and all the crazy stuff you have to go through." Williams said he looked at about 20 places before settling on a townhouse in Parker. "It was fun at first but it got old," Williams said. "I'm like `I'm tired of this. I just want to buy this and get it over with.'" Williams also had to buy a car and make a few other important purchases, but he said the other thing - aside from working out with the team, learning the playbook and going through the offseason camps - that stressed him out was hiring a financial advisor. "That was real stressful because these guys call you every day like they're your best friend now," Williams said. "You don't even know these guys. But everybody acts like they got your best interests. It's all about the money so you have to be careful with it." Williams eventually hired the same financial adviser employed by Broncos second-year receiver Darius Watts. Williams had his flat screen plasma television hooked up before he left for the Broncos' headquarters on the day the team reported to training camp. He still has some things on his to-do list - he is in the process of getting his mom a house but he was caught up enough that he could concentrate on his job. "I got moved in and everything, so I don't have to worry about anything," Williams said. "I can focus on football until the season is over."