If you’re trying to buy a house in Southern California, your realtor may be submitting each and every one of your offers to the listing agent but some offers will never be presented to the Seller.

The following are just 10 of several reasons why one’s offer may sometimes NOT GET PRESENTED:

1) Failure to provide the “cross-qualifying” Approval Letter from the Sellers Preferred Lender. What this means is: The Listing-Agent/Bank Representative has specifically asked that ALL prospective buyers “cross-qualify” with the seller’s preferred Lender to verify that the Loan Approval provided by Buyer’s Lender came as a result of the most thorough vetting process. (keep in mind, you’re typically not obligated to use the seller’s preferred lender in order to get acceptance, though I’m certain some will tell you that at times, it can be the difference maker)

2) Lack of LEGIBILITY of One’s offer. Sometimes, the offer documentation must be faxed to the buyer for completion and signatures, then it must be re-faxed to the buyers agent. The buyers’ agent must then take that and fax it for the 3rd time to the Seller’s Agent. Then the Seller’s Agent has to fax it to the Sellers. The sellers then fax it back to the Seller’s Agent. In many cases, the Seller’s Agent has to fax it for the 6th time when he sends it to the Bank’s Representative who reviews all offers. (When ever possible, it’s recommend that you and your realtor use electronic signatures at least for the submittal of initial offers. The method is not only faster, it’s completely legible and the Listing-Agents greatly appreciate not having to try to make heads or tails of the multi-faxed documents or poor penmanship of authors)

3) Incorrectly completed Offers or Misspelling of verbiage entered by Buyer’s Agent. These 2 mistakes often give the impression to the Listing-agent that the Agent may be New or possibly challenged in other ways. (Believe me, It matters!) Ps. YES, that is the correct way to spell VERBIAGE.;-)

4) Buyer’s Earnest money deposit may be too low. The average earnest money deposit sought by sellers in most areas is between 1% to 3% of the purchase price. (for Cash buyers, it’s almost always going to be at least 3%)

5) Buyer is requesting an Escrow timeline that’s too far into the future. Most sellers are genuinely interested in finalizing a transaction in as close to 30 days as possible. Though it can sometimes be tough to accomplish that with certain Loan types, it’s typically best to submit one’s offer with an illustration of as close to a 30 day escrow as possible. Extensions are often obtainable so long as reasonable progress is being made. (Keep in mind that in the case of Bank-Owned homes, most of the contracts aka “Bank-Addendum’s” that come back from the Seller, typically allow for up to a 45 day escrow even if buyer originally submitted an offer promoting a close of escrow of 30 days. Banks sometimes prefer to grant additional time from the get-go as a cushion because they’d rather NOT CHARGE the buyer the typically required per-diem fees when closing late without extensions. Banks know that additional fees may cause the transaction to fall apart because of a buyer’s possible inability or lack of willingness to pay those penalty fees so they try to avoid it when they can.

6) SHORT-SALE Approval is authorized at a particular price and one offers lower than the Approved Price. What’s important for Buyer’s to remember is: Typically it has taken several months and in some cases more than a year to negotiate and arrive at the Approved Short-Sale Price. It would stand to reason then that, in most cases, having just authorized the Approval on the Price after such a long time, the note-holding bank is not likely to ACCEPT an offer for less.

7) Buyer is asking too much in the way of Seller-Concessions for repairs or money for Buyer’s closing-costs. In the end, it’s all about the NET OFFER to the seller. In most cases, the Seller will opt NOT to accept THOSE offers because they perceive financially-challenged buyers {who lack the funds for closing-costs} as having a higher risk of having a minor financial need during the escrow period which could absorb or exhaust the money they set aside for down-payment or as cash-reserves. This would, of course cause the transaction to CANCEL in most cases. Regarding a requests for repairs, often the Seller is interested in finalizing the transaction in a much shorter time-period than what would be required if repairs need to be made. Consequently, you’ll find many of THOSE homes marketed at price-points low enough to allow for only Cash-Buyers or Cash-Investors who recognize the Seller has already priced the listing as per it’s current condition. (Some buyers walk in and say, “I think we’ll offer less because it needs all this work” —Attention Buyer’s… In most cases of Bank-Owned homes, the current condition of the home has already been taken into account in arriving at the list-price)

Buyer is Offering too much for the house. That’s right, TOO MUCH. In their desperation, often buyer’s and their representing realtors will choose to institute a strategy of “Let’s just write all of our offers at $10k, $20k or $50k over list-price” (depending on the area). This strategy will often back-fire. You see, the Seller knows that this strategy is most often used by buyers with weak financial profiles (i.e.: needing closing-costs paid) or those buyers who perceive themselves as NOT being able to compete in the open market due to the type of financing they require (i.e…: FHA or VA). As such, a seller is sometimes more inclined to ACCEPT an offer from someone who is within the range of reasonably anticipated Appraisal Value than to simply jump on the highest priced offer which will ultimately need to be reduced anyway.

9) Employing the strategy of “…Let’s start low and see what they say… they can always send us a counter-offer”. WRONG! Don’t fall for this trap. If one seeks to buy a home in some of the very competitive areas of Southern California, it’s important to know that in most cases, you’ll only get ONE-SHOT at submitting an offer. This is because the homes in good condition or with the lowest prices, or in the most desirable areas, will almost ALWAYS get multiple-offers. Sometimes as many as 30 to 40 if a listing-agent doesn’t check out their email in-box or fax machine over a weekend. In the competitive market climates, you’re almost always best to work closely with your realtor to prepare your HIGHEST & BEST offer up-front and submit THAT.

Pheromones originally refer to the chemical secreted by an animal which are usually associated with insects and that which greatly influence the behavior, physiology, and development of other species, including the attraction towards the opposite sex. There are scientific studies, however, that prove that even human beings also produce pheromones inside the body. These pheromones are important, not only for sexual attraction reasons, but also to make people around you feel comfortable with you.

In humans, the pheromones are secreted into the skin through the apocrine glands or what we call the human scent glands. These glands are usually found in hairy areas of the body such as the arm pits and the pubic region. The hairs in these areas further help disperse the pheromones effectively.

All people secrete pheromones, however, our bodies do not produce well enough of these chemicals. That is why there is an outburst of human pheromone products in the market to be able to make up for the lack or deficiency in the ability of the body to produce pheromones. There were scientific studies conducted to prove the efficiency of these human pheromone products but you can always see it for yourself if it could really work for you.

Human pheromone products usually and essentially contain 4 pheromones: the Androstenone, Androstenol, Androsterone, and the Androstadienone.

The Androstenone pheromone is found in both men and women but is however known as a male pheromones. It is responsible for the dominant, intimidating, and aggressive aura or personality of a person. The Androstenol pheromone is responsible for the friendly and sociable personality of a person. It often induces lots of talking and comfort and often causes conversation among people.

A pheromone that signifies masculinity is the Androsterone. This pheromone creates an impression of reliability and protection for men. As a women, when you see a man and you suddenly felt like you could depend on him for protection, that man’s Androsterone pheromone is probably working actively.

Androstadienone is another pheromone that must be present in a human pheromone product. This pheromone is also known as the ‘love pheromone’ because of the romantic or loving feeling and reaction it induces in women. Androstadienone affects the brain activities of women the most and focuses mainly on the attention and social cognition areas of the brain.

The above-mentioned types of pheromones must all be present in a human pheromone product for it to work effectively. These chemicals are highly responsible for the natural reactions and feelings we could feel towards other people near to us. And yes, that’s the magnificence of human pheromones.

Separating Web Design content from presentation encourages developers to create a useful framework for web development, making them more pleasant for users. Technologies such as PHP, ASP and CGI have allowed developers to form dynamic web pages, creating new applications using the concept as foundation.

In the last few years, the internet community has tried to create a standard set for design. This has led to the introduction of Cascading Style Sheets or CSS.

CSS permits developer to define a single style for every element of HTML tag. This is very similar to the method utilized in olden days when every HTML tag was laced with a variable which defined their style. The major factor of difference is that it allows CSS to define a style for every tag element.

Conventional Methods

The CSS method is very similar to the process used by developers in olden days when a variable was attached to every HTML tag, indicating their style. A major factor of difference was that they could easily be interpreted by many existing web design browsers, while the dynamic page engine took care of interpretation.

ISO or Internet Standards Organization have encouraged CSS use by enhancing their ability to control the look and feel of web design pages. Additional style options have also been incorporated into CSS specifications, which are yet to get added to HTML description language.

Modifications

The move has forced developers to use CSS for highly attractive design pages, which also support the principles of content separation. Unfortunately, CSS didn’t easily find its way into the mainstream internet connection for lack of compatibility with major web browsers.

Separating design content from presentation not only deals with styling aspects, but also with the issue of browser compatibility. The It community now seeks standard solution for easy content management.

Purchasing presents for kitchen lovers.

Although some people are very difficult to purchase for some people have a strong hobby or interest which you can work with. I’ve written the following article to inform you of great gift ideas for people who love cooking or being in the kitchen. I hope the following article helps. Don’t forget that consider hobbies and interests of people when you purchase a birthday or Christmas present, you’ll be surprised at how many options you’ll then have.

Tower pressure cooker can be a great gift for someone who enjoys cook but doesn’t often have the time to cook for lengthy periods of time. A pressure cooker will cut cooking time by a 2/3 which means you can get great food in minutes. This gift is also great for people who enjoy eating healthy food. Unlike cooking in a usual saucepan this style of cooking locks in all the vitamins so your food is rich with everything you need.

A coffee maker is a great gift for anyone whether they are a kitchen lover or not. A coffee maker helps you wake up in the morning without having to make the coffee yourself. The smell of coffee to wake you up in the morning is one of the best things in the world. You can ever have the coffee making in your bedroom for those lazy weekend morning meaning you’ll only need to take two steps from your bed to get your coffee fix.

Don’t forget that if you wish to purchase either of these items for a loved one you can save money online with voucher codes.