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How to Create an Investment Plan

Developing an investment plan is an important part of financial planning. Many individuals, particularly young people, fail to spend the time and effort required to develop an investment plan that will meet their financial goals. There is a wide array of investment products to choose from, and creating an investment plan will help you prioritize and sort through a broad range of investment options.

Instructions

  1. Prioritize your financial goals according to their respective timeframes. If you have a child who is two years away from going to college, you should rely on cash or ultra-safe fixed-income investments to pay for that expense. By contrast, if you are in your twenties and are simply saving for retirement, you should place your retirement funds in riskier stock investments since you will not be retiring for many years.
  2. Select your asset allocation based on the prioritization of your financial goals. Assets generally fall into three classes: stocks, which are riskier in the short-term but may generate higher long-term returns; bonds, which are less risky than stocks but have lower potential long-term returns; and cash, which is extremely safe but generates very little financial return. If most of your financial goals are more than five years out, you should invest most of your money in stocks. By contrast, if most of your financial goals fall within the next two years, you should keep most of your money in cash. Regardless of your goals, it is generally a good idea to have some portion of your money in all three of these asset classes.
  3. Diversify all of your investments within each asset class. Regardless of which asset class you focus on, you should never put all of your money in one or two securities. If you want to own stocks, you should invest in a diversified basket of stocks rather than in one or two stocks.
  4. Choose whether you want to invest directly in stocks and bonds or whether you prefer mutual funds. Mutual funds are diversified pools of securities. The main advantage of mutual funds is the level of diversification they provide while the main drawback is the management fees they charge, which erode your returns. If you have limited cash to invest, you should consider investing in low-cost mutual funds (that is, mutual funds with very low management fees).
  5. Open an online brokerage account with a company such as E*Trade, TD Ameritrade, or Scottrade. Online brokerage accounts are cheaper and easier to use than traditional brokers, and they provide you with the resources you need to research different stocks, bonds and mutual funds.

How to Sell a Home to an International Buyer

As the economy of the United States continues to change, more and more international real estate investors have laid their eyes on buying up investment properties in America. With this trend continuing to increase you may want to consider marketing your home not only to those within your city or state or even nation, but to the world at large. Opening your property up to national as well as international buyers will give you the advantage you need to sell your home quickly and for a good price.

Instructions

  1. Advertise your property in a foreign newspaper. You can easily do a quick search for a newspaper in the countries you wish to advertise to, and through their website either place and ad directly, or, be able to locate the contact information for their classifieds department. Remember to keep in mind foreign currency rates when getting prices.
  2. Make your own website. One of the quickest and least expensive ways is to create your own website for the property. You can easily find a cheap or free website hosting service and can even hire a web designer to help you post the site if you feel like you are not technologically prepared to build a website on your own. Also, keep in mind that many hosting companies now offer very simple website building software that just about anyone can use, and on top of that most of these companies offer the software for free.
  3. Place an ad in a foreign magazine. If you truly have a great piece of luxury property, you may want to consider taking out an ad in a foreign magazine. Look for aspects of your home that are unique and look for magazines that match that uniqueness. So for example, if you have a gourmet kitchen, you may want to put and ad out in an international cooking magazine. Or if you have lakefront property with water access, you may want to take out an ad in an international boating or fishing magazine. Just be creative.
  4. Post an ad on Craigslist or other international classifieds sites. Cragislist has made it as simple as possible to advertise your property to an international audience. Posting an ad on Craigslist and similar sites is also quite simple as well as free. You will not only be able to post a large amount of text regarding your property but you will also be able to post photos, and even a link to your website featuring the property if you have one.
  5. Make your home stand out. The best way to sell your home to any buyer, including an international buyer, is to find its selling points. Find what makes your home stand out among the many luxury properties and lofts and really sell that point. Whether it’s the view, the square footage, the location or the amenities, highlight them as much as you can in your ad to get your potential buyers hooked on learning more and potentially buying your property.

How to List a Luxurious Rental Property

High-end properties need special approaches to attract prospective renters.

Listing your deluxe home or apartment means developing an approach to attract renters to a property that offers amenities above and beyond those of other market listings. High-end renters may not attend open houses or rental housing previews, so your listing plan must include visually appealing print and online marketing materials to entice prospects.

Instructions

  1. Research the available and recently rented luxury units near your property. Note the time on the market and the features offered in units that rented quickly; such information can be found on a comparative market analysis, which you can get from a real estate agent familiar with the area.
  2. Compile a list of your rental property’s features that meet the demands of the luxury rental market as determined by your research. These might include multiple shower heads and saunas in bathrooms, scenic views or a gourmet kitchen.
  3. Stage the property with luxurious-looking furniture and decor — which you can lease — to enhance the interior. Rent enough furnishings to make the residence look comfortable, but still roomy. Take photos of the staged rooms to use in your marketing flier and online advertising.
  4. Create a flier. Use simple word processing software — which usually includes basic brochure layout features — or desktop publishing software. Incorporate a few of the most attractive images you have of the property. Include a detailed list of your unit’s high-end features to help potential renters compare it with other rentals on the market.
  5. Shoot a video of your property to create a virtual tour, which you can upload to social networking websites along with your property flier. Walk through the home and use your camera to show visitors each room’s luxury features. Also, capture footage of community pools, on-site amenities — such as concierge services — or conveniently located parking areas.
  6. Launch a website for the property or hire a web designer to create and launch one for you. Include plenty of photographs, video clips and write a detailed description to enhance the site. Include your contact information, or that of your real estate agent, on each page of the site so that viewers can contact you easily.
  7. Identify print and media outlets on which to publicize your rental property such as local magazines designed for high-income readers or websites that list luxury rentals. If your property is located in a specific area, such as an exclusive beach community, advertise it on websites and in magazines that promote the area.

Tips on Investing in Real Estate

Real estate can be a good investment.
Investing in real estate can be a smart move, but only if you make the right choices. Real estate investments can be real winners, or real losers, depending on the properties you pick and how you manage your holdings. Knowing what to look for and examining your financial situation carefully can help you maximize your profits while minimizing any hassles.

Use an Attorney

  • No matter what type of investment property you buy, always use an attorney when making the deal. A good real estate attorney can help you with everything from determining a fair offer price to writing up the rental contracts. An attorney will also be able to ferret out any liens, back taxes or other encumbrances, items you might miss if you try to perform the transaction on your own.

Run the Numbers

  • One mistake many real estate investors make is assuming that the property will always have a tenant. While in a perfect world the apartment building you buy will always contain paying tenants, the reality is rarely this simple. When evaluating a rental property, you need to run the numbers both with and without tenants. If you find that you will be unable to make the mortgage payment if the property sits empty for even a month or two, you might be stretching yourself too thin.

    Before you buy a piece of investment property, it is also a good idea to look at vacancy rates in the area. If you are buying in an area with high vacancy rates, it will be more difficult to rent the property, and you stand a greater chance of having the property sit empty. If the vacancy rates are low, there is a greater likelihood that you will be able to find new tenants quickly.

Consider the Neighborhood

  • One of the most important things for real estate investors to look at is the nature of the neighborhood. The type of neighborhood where the property is located will play a role in everything from the amount of rent that can be charged to the potential for appreciation and resale value. If the neighborhood has been changing for the better, investing there can be a smart move, but if the neighborhood is in decline, the potential for appreciation might be very small. If you choose a bad neighborhood, you might be able to eke out a positive cash flow, but chances are you will not be able to count on a higher resale price down the road.

8 Tips Selling a Luxury Home

Selling a home is not the easiest of tasks but it also doesn’t have to be as hard as figuring out the rubrics cube!  The level of difficulty does increase though when selling a luxury home.  With the increasing level of difficulty comes an increased level of expertise that is required to sell a luxury home.

Many real estate agents don’t have a clue when it comes to selling luxury homes.  The same can be said for the owners of a luxury home.  It is important that the proper steps are taken to ensure the home is sold in a timely fashion and for a fair, market value price!

Here are several tips for selling luxury homes that are helpful for any real estate agent or homeowner.

Is The Price Right?
Pricing a home correctly, from the beginning, is extremely important whether selling a $100,000 home or a 1.5 million dollar luxury home!  A common real estate pricing mistake that is made is hiring the real estate agent who suggests the highest price and in the luxury home market, this can be a huge mistake.  It’s extremely important that a luxury home is priced competitively or aggressively from the beginning to attract buyers from the beginning.  It is more common for a luxury home to sit on the market for longer than a lower priced home, however, a luxury home does not have to sit on the market if priced properly from the beginning!

To ensure the price is right, an in-depth comparative market analysis, must be completed on a luxury home in order to determine a competitive or aggressive price.  A real estate agent should spend several hours massaging the data, touring other comparable luxury homes currently for sale, and calling other real estate brokers who have recently sold comparable properties to the subject home.  Often times there are homes that are extremely similar to others in certain neighborhoods.  It is rare to find a luxury home that is identical to another, so knowing every amenity a luxury home has is crucial when determining the price!

How Will The Luxury Home Be Marketed?
The price a home enters the market at does a fair amount of the marketing in itself, however, there are other marketing tools that should be used when selling a luxury home.

Print advertising and direct mailing should still be apart of any real estate agents marketing plan/system.  The internet, however, has significantly changed how consumers shop.  This is no different in the real estate industry!  It is extremely important that a real estate agent who is selling a luxury home, is utilizing the internet.  It’s important that a real estate agent has their own website and/or blog and that it is mobile responsive as well.  Many home buyers are shopping on their tablets and mobile devices.

When selling a luxury home, it’s important that a real estate agent uses social media.  Social media is an extremely important marketing tool for real estate agents that can help give their clients maximum exposure!  It is a marketing tool that most real estate agents don’t utilize and/or understand.  Ask yourself, what percentage of people in the market to buy or sell a home have a Facebook Page, Twitter Handle, or Pinterest Account?  95%+?  By not marketing a luxury home for sale on social media, a real estate agent is doing their client a huge disservice!

When selecting a real estate agent to sell a luxury home, it’s critical to know where the luxury home will be marketed, how it will be marketed, and how frequently it will be marketed.  When selling a luxury home, a real estate agent must have a comprehensive marketing plan/system and cannot list a luxury home, wait and hope it sells.  These type of real estate agents are also known as a “post and pray Realtor.”

High Quality Photos and Videos are Important When Selling a Luxury Home

What Will The Quality Of The Photographs/Videos/Virtual Tours Be?
Most have heard the saying, “quality over quantity.”  This relates perfectly to the quality of photographs and videos of a luxury home for sale.  With over 90% of buyers beginning their home search online, it’s critical the photographs and videos of a luxury home are outstanding and nothing but the best!

Every real estate agent will offer to take photos of a home, but it shouldn’t be as easy as just leisurely taking photos.  When selling a luxury home, if the real estate agent is not having a professional photographer take photos of the home, they better have some great equipment.  Top real estate agents who choose to take their own photographs of their luxury home listings must have experience and also high end equipment such as a wide angle lens.  When taking photos of a luxury home a few things that need to be considered are, is the lighting right for the photos, are the amenities being photographed, and is the exquisite location being highlighted.

A picture may be worth a 1,000 words, how much is a video or virtual tour worth?  A billion?  When selling a luxury home, a professionally created video or virtual tour can be the difference of whether or not the luxury home sells.  Most local MLS’s have a limit to the number of photos that can be placed on-line, but allow a location where a video tour or “virtual tour” can be placed.  Many luxury homes are much larger than 25 photos can showcase and also much more glamorous than 25 photos can showcase, so video is a great way to allow potential buyers the ability to “walk-through” the luxury home in the comfort of their present home.

Is It The Right Time To Sell?
When selling a luxury home, timing plays a larger role than when selling non-luxury home.  For instance, if a waterfront luxury home is being sold in Rochester, NY, it’s important to select the correct time of year to sell.  Selling a home in the middle of the cold, blustery winter would not be a good time to showcase the waterfront!  The same can be said for a luxury waterfront home in Jupiter, FL, selling a home during hurricane season may not be the best time to list a luxury home for sale.

Will There Be Any Open Houses?
A very popular question many home owners have for real estate agents is, are you going to have an open house?  There is much debate whether public open houses help sell homes or not.  When it comes to luxury homes, public open houses do not help sell homes.  When it comes to selling a luxury home, public open houses often bring in people just interested in seeing how the “rich and famous” live.  There is absolutely no way to determine whether the people coming through the open house are qualified to purchase the luxury home or not!

While public open houses do not help sell luxury homes, broker open houses can be helpful.  A broker open, which is an open house for local real estate professionals, allows real estate agents who have buyer prospects looking for luxury homes to view possible matches.  A broker open is much more successful if the real estate agents who sell luxury homes locally are able to attend, as they have the greatest probability of having a client for the home!

Are The Location & Lifestyle Being Portrayed Correctly?
Luxury homes are often luxurious because of their location and lifestyle.  If a luxury home is part of a development which includes a clubhouse or yacht club privileges, it is important they are being showcased in the listing information.  This is another reason why utilizing video or virtual tour when selling a luxury home is a great marketing tool as it is a very good way to present a homes location as well as the lifestyle.

When buying a luxury home, the prospective purchasers will often want to know who else is living in the general vicinity of the home.  It’s important to know or find out who else lives in the area and ensure this information is available to real estate agents who are showing the home.

Staging with a Purpose Helps Sell Luxury Homes

Will Any Staging Be Done?
Staging does not sell homes but it certainly can help!  There are many sellers who believe that by hiring a real estate agent who has a staging designation, their home will sell because their home has been staged.  This is wrong.  Obtaining a designation for staging doesn’t necessarily mean they are a great real estate agent.

When selling a luxury home, staging will help maximize price and minimize time on the market.  When staging a luxury home, it is important that the amenities which make the home luxurious are being showcased.  If there is an outdoor BBQ, is it staged so that potential buyers can envision their summertime gatherings?  A luxury home with an over-sized formal dining room should have elegant place settings with fine china at each place setting to help a buyer envision what their fine dining parties may look like.

Can You Be Patient?
One of the biggest things that a seller needs to consider when selling a luxury home, patience is a must!  Selling a luxury home will normally take longer than a non-luxury home.

One major reason that luxury homes take longer to sell than non-luxury homes is the number of possible buyers available to purchase the home.  Face it, there are many buyers who can afford a $150,000 home entering the market on a daily basis.  There aren’t many buyers who can afford a 1.5 million dollar home entering the market on a daily basis.  For this reason alone, it’s important to be patient and understand that if the above tips are being practiced, a buyer will surface!

For example, in Monroe County, New York, there have been a total of 58 sold properties in the +/- of $500,000 price range in the past 12 months versus 891 sold properties in the +/- of $100,000 price range in the past 12 months.  The average days on the market for the $500,000 homes was 73 and the average days on the market for the $100,000 homes was 39.  As the statistics prove, in the Rochester, NY luxury home market there are less buyers in the marketplace than there are in the Rochester, NY non-luxury home market.

How to Get Real Estate Leads by Door Knocking

You can generate real estate leads through door knocking

Going door knocking is often a scary concept for real estate agents. The misconception is that your presence will be unwelcomed. On the contrary, this can be more effective than direct mailing or calling. There are a few rules to follow that will make even the people who don’t like solicitors enjoy your visits. All you really need to know is how to do it right.

Instructions

  1. Visit an area where you or your office has a listing or just sold a home. Don’t just find a house and start knocking. Start with homes close to the listed home, then fan out.
  2. Create an address log containing a list of every house you intend to visit.Your log should have each address listed one after another. Leave a little space for notes, such as: “Never answers the door,” or, “Growing family may be ready to buy a another house in June.”
  3. Ring the door bell and then take a step or two back. People sometimes feel a little scared when there is a stranger standing too close to the door. This is especially true if you are male. Put a soft smile on your face and enjoy the uniqueness of their porch and yard instead of waiting anxiously for the home owner to answer.
  4. Ring the door bell and knock on the door, then wait 30 seconds.There may be an elderly or disabled person inside who can’t make it to the door in less than 30 seconds. If no one answers, knock again and wait another 30 seconds before moving on.
  5. Come bearing gifts. You can buy calendars, refrigerator magnates, pens, notepads and other convenient goodies for a nominal cost with your name, phone number and address on them. Something useful with your name on it is less likely than a business card to be thrown away.
  6. Introduce yourself. Let the homeowner know who you are and what you do, but don’t jump in and ask if she wants to sell her home or knows anyone who does. Instead, start by explaining that you just listed/sold a house down the street and want to get to know the area. Give the homeowner your card and the gift and let her know if she ever needs your services, or knows anyone who does, feel free to contact you anytime.
  7. Find out a little bit about the homeowner if she seems receptive and keep track of it in your log. Some people will be glad to tell you what neighbors might need your services, how happy they are living in the area or if there’s a certain house you might want to avoid.
  8. Continue visiting houses for three months. Then start back at the first house again. Bring your handy log and return bearing gifts. By then you’ll get an idea who is happy to see you and what leads are going nowhere. After they’ve seen you four times in the past year, some will know and trust you. So when they want to buy or sell a property, or know someone who does, they’re going to call you.

How to Pass the Virginia Real Estate PSI Exam

How to Pass the Virginia Real Estate PSI Exam

To be a real estate salesperson or broker in Virginia, you have to pass a licensing exam administered by PSI Examination Services. The Virginia Department of Professional and Occupational Regulation, or DPOR, has contracted with PSI to provide testing locations. The PSI exam tests a candidate’s broad knowledge of local and national real estate principles and laws. Because the exam is closed book, you must effectively study to pass. If you have a high school diploma or equivalent and have completed the required prelicense education, you can take the PSI exam.

Instructions

  1. Obtain the number of hours of prelicense education that DPOR requires. You should not register for the exam until you have completed all coursework. Some larger real estate brokerage firms offer prelicense courses. You can also search online for real estate schools offering self-study and classroom courses. Be sure to choose a DPOR-approved school.
  2. Download the Real Estate Candidate Information Bulletin from the PSI website. The bulletin provides examination information and license qualifications for salespersons and brokers.
  3. Complete the examination registration form. If you mail the form, you must send the examination registration fee in the form of a money order, certified check, cashier’s check or company check. PSI does not accept personal checks. You can use a credit card to pay the registration fee online or by telephone. After you receive notice of PSI’s acceptance of your registration, call PSI to schedule an exam date and choose a testing location.
  4. Read the Bulletin’s “Tips for Preparing For Your License Examination.”
  5. Purchase additional study materials. Although prelicense classes provide a good foundation for understanding real estate principles, you might choose to supplement those materials with books on real estate fundamentals. You can check the PSI website for available books.
  6. Make a list of the topics covered on the exam outlined in the bulletin’s “Description of Examination.” As you study, write down questions you have about each topic and look for the answers in your books.
  7. Take the sample test in the bulletin and score your answers. Read each question again and study the correct answer. Look in your study materials at the sections that cover the questions you missed.
  8. Review the practice tests you took in your prelicense courses. If you studied in a classroom, talk with your fellow students about examination content. Verbalizing principles can help you remember them.
  9. Get plenty of rest the night before the examination. If you live farther than an hour from your test site, consider spending the night in a nearby hotel. Eat a healthy breakfast before the exam.
  10. Bring two forms of identification to the examination center; one must be a government agency-issued photo ID. Arrive at least 30 minutes before the examination start time. You are not allowed to bring a cell phone into the center; you may bring a calculator.
  11. Follow the computer tutorial before starting the exam, if you are taking the examination by computer. You can spend up to 15 minutes on the tutorial as long as you finish before the scheduled examination start time.
  12. Read each exam question carefully and pick the best answer. Pace yourself and save enough time to review each of your answers before submitting the test. Verify that you have chosen one answer for each question. Even if you don’t know the answer, it’s better to guess than leave it blank. If you’re taking the paper-and-pencil examination, completely mark the circle of each answer.

What Are the Functions of Investment Companies?

The risks of investing in investment companies depend on the riskiness of the strategies they employ.
An investment company is a financial services firm that holds securities of other companies purely for investment purposes. Investment companies come in different forms: exchange-traded funds, mutual funds, money-market funds, and index funds. Investment companies collect funds from institutional and retail investors, and are entrusted with making investments in financial instruments according to the strategies that were previously agreed with the investors.

Collect Investments

  • Investment companies collect funds by issuing and selling shares to investors. There are basically two types of investment companies: close-end and open-end companies. Close-end companies issue a limited amount of shares that can then be traded in the secondary market–on a stock exchange–whereas open-end company funds, e.g. mutual funds, issue new shares every time an investor wants to buy its stocks.

Invest in Financial Instruments

  • Investment companies invest in financial instruments according to the strategy of which that they made investors aware. There are a wide range of strategies and financial instruments that investment companies use, offering investors different exposures to risks. Investment companies invest in equities (stocks), fixed-income (bonds), currencies, commodities and other assets.

Pay Out the Profits

  • The profits and losses that an investment company makes are shared among its shareholders. Depending on the type–close-end or open-end–and the structure of the investment company, investors can redeem their shares for cash from the company, sell the shares to another firm or individual, or receive capital distributions when assets held by the investment company are sold.

Why do you need a Real Estate Agent?

Today’s home owners have many options in hand which help them to make successful real estate transactions. With the real estate market recovering from the crash in mid 2000’s, the percentages of sales has risen considerably in the recent times. Though it may seem that real estate agencies are on a verge of extinction, but that’s just a myth. At times handling real estate contracts, fixing the right asking price, etc might be very tricky.

Though home owners may save a lot of money by doing things themselves, it is recommended that they take professional whether they invest in residential projects in Kolkata or buy/ sell apartments in Kolkata. Doing things themselves often cost homeowners more, than what they have to pay the agents.  So here are few reasons why homeowners should not reject the idea of hiring a real estate agent:

  1. Better Access and convenience: Real agents are known to simplify the home buying/ selling process since they have the expertise and take charge of everything on behalf of the buyer and seller. They work as a link between the two parties and offer better exposure to the properties listed by other agents as well. Agents know what it takes to complete a deal faster and also help the buyers/ sellers to get the best deals. Real estate buying or selling requires prompt responses and the agents are experts in doing this. If homeowners choose to do things themselves they might actually miss on a huge number of interested parties, since they fail to respond quickly.
  2. Negotiating is Tougher than it seems: While homeowners may think they can save a lot by negotiating themselves, it might turn out otherwise. The relationship between buyers and sellers is not an easy one and in most cases they don’t get along very well, since each one thinks of his own benefits. An agent acts as a connection between buyers and sellers so that the messages are conveyed correctly. They have better negotiating skills and know how to convince people.
  3. Real Estate Contracts are Tricky: Real estate buying or selling involves signing contracts    so that people are protected from certain situations, when one fails make the payments. Agents work with such contracts regularly and know what should be included and what should be omitted to keep parties protected.
  4. Agents work for their client’s best Interests: Real estate agents are licensed professionals so they are bound to work for their client’s interests. They are bound by the common law so any offensive act on their part will be taken seriously. Moreover, real estate agents depend on referrals and recommendations, so they’ll try hard to serve their clients in the best possible way and get the best deals.
  5. Do homeowners really save money? If homeowners decide to crack the deals themselves, they’ll have to fix the selling price depending on the comparable properties in the neighbourhood, hoping to save the commissions of the agents. It might so happen that the seller gets a notion of this and quotes a price that is less than the ideal selling price, to save some money himself. So neither the buyer nor the seller gets to save enough money.

Real estate buying or selling is a very complex process, since a lot of paperwork has to be done, lot of questions have to be answered and most importantly you need to get the best deals. All this might not be possible by the homeowner himself. So whether one looks for buying an apartment in Kolkata or sell a property, hiring an agent would be beneficial.

Choose the real estate agent who can help you in real

Buying and selling real estates and assets is not a new thing, but it is indeed one of the biggest monetary decision of your life, so you should make sure that you take the right decision for it. But if you are not knowing all the tit bits of the real estate industry then you better hire a real estate agent to get you the best property in town and you can get the information on homes for sale in Maryland and then you can think of investment in the real estate market. But the question arises that whom to hire then make sure to search properly.  Always choose a person who has a good reputation in the market, for no only selling best homes in Maryland but the person should be also equally good in handling the buyers and serve them well with their experiences and the person should not force you to buy a certain property as the person would leave the decision on the buyer as the investment is totally a personal decision. The person should be competent in meeting the deadlines and they should also be advocate on the financial decisions and help their clients to save money and also see the future profit chances.

The best factors

There are other factors that can affect your deal is the attitude of the real estate agents and one can really decide on the communication skills of the person which is very important as it can make or break a deal and that is why to buy homes for sale in Maryland you need a person who can deal in them and he or she has the skills to handle all the qualities where he or she can also let the clients to buy or sell best homes in Maryland that can help them to deal the best homes and they can get their desired homes. The real estate agent should also have the expertise in the geographical locations and can deal in the various locations which is the most important factor and one should get the real estate agent who can help them to get the desired home. The real estate agent can also tell you all the details regarding the locations and the people can depend on them while selecting the locations and they will have the knowledge on the area which will include the schools, hospitals and marketplace nearby where the people will need them in case of selecting a home one should see all the amenities that will lead them to buy one.