Visualization Technique – Past, Present and Future Visualization

What works best for you, may not work at all for me and thus, it is important that we find the best technique that suits us personally. There are hundreds of techniques around and you only need to practice once to work out whether or not it will work for you in the long run. I call this technique the “Past, present and future visualization.” Follow the steps and see if this is a visualization technique that could help you in the long run.

Step One:
If you want something within a certain time limit visualize yourself having it by that date, however, one very important point that i want to stress is that you should always begin your visualization with emotion. Feel the feeling of having the thing you desire from the very first scene of your visualization and allow the emotion to grow as your visualization continues. Remember that the scene is happening now, you already have the thing so add the five senses to your visualization by touching objects such as the new car you desire and smelling, tasting, hearing and seeing everything in your surroundings. For example, if you desire a promotion at work you would first begin by feeling the joy and sense of achievement associated with getting the promotion. Then you’d see yourself in your new office, touching your new desk and feeling the leather of your new office chair. Taking a call from your secretary, etc etc. Do this for 30 seconds then go to step two.

Step Two:
Now, go back in time to the events leading up to your promotion. Create a past series of events leading up to the moment of your promotion. For example, following the above example, 6 months earlier you achieved a sales goal that made you eligible for the position. You also took some courses and gained more education in the area of your promotion. You may also have come up with a new idea to boost sales in your department. Think of and visualize the ideal set of circumstances leading to your promotion and then visualize them for 30 seconds. Remember to feel emotion every time.

Step Three:
Next, project yourself into the future. What has happened as a result of your promotion? What kind of lifestyle do you now have? How does it feel to walk into your new office everyday? See it, feel it and live it from present to past, to future.

Do this once a day everyday and your subconscious mind will move mountains to bring the desired outcome your way because your wish is its command!

Separating Web Design Content From Presentation

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.

Are Your Offers Even Getting Presented to the Seller?

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)

8) 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.