3 Effective Ways To Help You Keep Fit And Healthy For Your New Year's Resolutions.
Year after year, many people set their new year’s resolutions on what they desire to achieve.
Health and Fitness has always been a common goal for everyone. It’s what I have always wanted to achieve in the past but somehow something happens and halfway through the year, I will dropout. It seems like there are many areas and factors that keeps stopping me from attaining my Health and Fitness goal. I tried hitting into gym and jogging, but nothing has change much.
Until I found out about crossfit around mid of 2017 and this workout has greatly benefited me to stay fit and healthy! But apart from this, there are 3 aspects that has been keeping me in good shape till today.
I know that this is the biggest temptation as foods are everywhere and I love food too! But the key here is – Moderation. I have slowly learned to moderate my meal intake portion unlike in the past I kept "whacking it" like nobody business. This is the what really requires a lot of discipline – to resist those meal temptation of fats, carbohydrates, sugar and salt. Nowadays, my meal intakes are consisted of good stuff like protein, fiber and magnesium and other healthy nutrients plus 3-4litre of waters a day.
With the above 3 factors – I realized how much similar it is on how we function in our real estate business.
a) Be associated with the right people – aka Positive Top Producers
b) Be Open to learn and be teachable
c) Be Disciplined
If you are applying them in your real estate business similarly, you can also apply it in your physical well-being. I am very sure 2018 will be a transformation year for you and I am excited! I felt different, a great-different and so can you! :-)
Enjoy your workout and have a Blessed New Year, Goal-getters!
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#perrysiow #42stillgoingstrong #crossfitfirecity #crossfitavengers #golean #aagsmartpropertygroup #aleader #atrainer #aproducer
Understand 3 stages of Progressive Payment Scheme you need to know when buying a new home project development successfully
1) Pre-booking! Your first little step to landing your dream house
You’ve been driving past this new condo development site every morning on your way to work, and every evening on your way back. And everyday it’s the same exclamation: “Sweetheart, doesn’t the artist impression look gorgeous? And this is the ideal location for us!” Your lunch partner finally tells you: “Why don’t you go online and register your interest, instead of drooling over it everyday?” You google, and find out that the project hasn’t launched in the market yet, and you duly fill up the online enquiry form for Pre-booking, registering your interest in attending their Preview Launch.
The developer sends you the e-brochure, and you eagerly anticipate the preview launch…
The day arrives for the VIP preview, and your spouse and you step into the showflat gallery, and oh yes! This is what you want! Although you will not be able to purchase the flat until the developer schedules an official launch, pre-booking has its distinct attractions: you are one step ahead and may get to book the unit of your choice (some call this the ‘priority invite’), and secondly, some developers may throw in a discount or other goodies during this preview launch.
Landing your dream house – THE Launch!
Finally the official new launch is here, and you book the unit you have been eyeing. Oh, beautiful, beautiful day! You have committed yourselves to buying a new home, but it will be some time before it will be completely built. You need to do your sums, and arrange for financing. Here’s the lowdown on how much you are expected to pay in cash, how much you can borrow, and when you need to make payments to the developer. We call this the Progressive Payment Scheme.
Progressive Payment Scheme
The progressive payment scheme applies to private properties which are in the process of being built. You as the buyer, will have to make instalment payments, in tandem with the construction progress – hence the term, Progressive Payments. The instalments are paid in stages, all the way until you receive your Certificate of Statutory Completion (CSC).
Let’s take it from the top….
Scenario: You are Buying a New Launch Property with an 80% Loan-to-Value (LTV) and a Loan Tenure of 30 years
2) Booking the property & Signing of Sale and Purchase Agreement (5% Booking Fee, Cash outlay)
Upon booking, you will have to pay a 5% booking fee, and you will be granted the Option to Purchase (OTP). The developer will then mail to you the Sale and Purchase (S&P) Agreement within 1 – 2 weeks so you must diligently check your mailbox for the S&P. Upon receipt, please check the date of the S&P as you will be given 3 weeks from this date to exercise the S&P.
Stamp Duty (3% less $5,400, Cash/CPF outlay)
Within 14 days of signing the S&P agreement (or within 30 days if the agreement is signed overseas), you will have to pay the Stamp Duty, which is 3% of the purchase price less $5,400. Under certain circumstances, such as when Singaporeans buy a third property (or beyond), you may have to pay an Additional Buyer’s Stamp Duty. Stamp duties can be paid using Cash or CPF.
Sales Completion Date (15%, Cash/CPF outlay)
8 weeks from the day the option money is paid, you will have to pay the remaining 15%. (Some lawyers may require you to pay this amount upon signing of the S&P Agreement). You can use your CPF to pay for this and any remaining shortfall will be paid for by Cash. You may want to take good note of this schedule especially if your CPF does not have enough to cover this outstanding and to prepare the necessary Cash needed to pay the shortfall.
Also do remember that this amount will depend on your LTV, e.g. if your LTV is 70% then the balance amount to be paid is 25%.
3) Progressive Payments using Housing Loan
From this point onwards, you can start using funds from your housing loan, which can be up to 80% of the purchase price. The tenure of the loan can be up to 30 years, depending on your age. You will have to make payments as follows:
For this top real estate salesperson and team leader, being successful has a lot to do with being relevant. Perry Siow shares with us how he got started with digital marketing and how he landed 7 closes online.
Q: How were you introduced to digital marketing?
From the onset, I knew that I had to be where the audience is. The first step to becoming a successful real estate agent is to understand who your target audience is. Singapore’s current property market is mostly made up of buyers from the Gen X and Gen Y group. Sooner or later, the Gen Z group will also come of age, and they too will be part of the target audience. These are the generations that live online and are also the ones actively looking to buy a home.
Q: What were some of the first steps you took to educate yourself about digital marketing?
I started to take digital marketing seriously back in 2001. I spent $7,000 on a digital marketing course that included eBay marketing, e-commerce and internet marketing. From then on, I also built my own website to market a project, and started leveraging on Google’s Search Engine Optimization and Marketing. It was also then that I really started to learn and realize how effective digital marketing would be for me, in terms of lead generation. Naturally, I progressed into Facebook, and of course recently, tried DREA’s PushAds real-estate digital marketing solution.
Q: Could you name us some projects where using digital marketing helped you generate lead conversions?The first project that I marketed online was for a condominium called Citylife and it was this very project that I scored my first online lead! It was through my second project, SkyPark, where I successfully obtained 7 conversions out of 50 leads by having a strong online presence on platforms like Google. It was also then that I realized how important it was to do digital marketing and to do it well. I’ve been active with digital marketing ever since
Q: That’s impressive! Since you have had much success with digital marketing, do you still engage traditional media, ie. Flyers and roadshows, for your advertising needs?
Majority of my marketing budget is allocated for digital, but engaging in traditional advertising may still be relevant. I don’t want to neglect prospects of other age groups who I may be able to reach offline. As a real estate agent, opportunity is everywhere. And to me, the most effective lead generation approach is through a combination of strong online presence and offline presence.
In particular, being online has really helped me build a strong personal brand and establish a reputation and identity online, and through that I have been able to nurture new professional and equally personal relationships.
Q: What are some of the concerns you foresee with the emergence of Digital Marketing?
Many agents are more comfortable with what they already know. On top of it, in the past, it would have been difficult for many of them to be able to do this on their own, even if they invested time and money in training courses. Their main concerns would likely be if Digital Marketing works and in the past, before PushAds, if they are able to learn how to do it on their own.
Q: That’s great! Any tips for agents who may want to start but are skeptical to give digital marketing a go?
It’s important to understand that digital marketing is not a silver bullet solution. Many give up after trying once, or some even before trying. But there is so much to gain from going online. It allows you to reach tens of thousands of relevant people online and create a personal brand at the same time.
Of course, with digital, you may wonder if people are seeing your ads, if the right people are seeing it or even if people are reading your emails. The first step forward is recognizing that people are seeing your ads and that they would read your email, even if they don’t necessarily reply you right away. You should also focus on improving your ability to nurture any prospective leads into an actual lead.
The other great thing about digital marketing is that you’re able to really see how your money is being spent. With digital, I can actually track the Return-On-Investment (“ROI”) I am getting on digital versus traditional channels.
The bottom line is, being relevant is no longer a good to have for me. It is a must-have to stay ahead of the game and to generate leads online.
1.Limitless property listing
If you are in real estate business, you must need to work with multiple property listings. It is not easy to work with several property listings without any good organizing tool. In this case, Trello has no comparison. There is no limitation about boards, cards or lists in Trello. You can work with numerous projects as per your requirements.
As real estate business is an ongoing work, every information is important. Whether it is a closed work or running work, you should keep track of everything. Trello helps a lot in this case. In Trello, nothing really gets deleted. If any of your work is done, you can close the board and it will disappear from everywhere. And if you need to work on old projects again, you just need to go to the Boards menu (top right) and then just click“View Closed Boards”. It will pop up again.
2. Customize Usage
Realtors can customize their Trello account as per their need. You can use the Trello RSS integration. It will automatically make new Trello cards from your desired RSS feed on the internet. You can use this feature to automatically search for available property options. You can add your partner or client to the board to efficiently discuss about those properties. It will save your time and help you understand whether any property needs a visit or follow up. You can also add photos, comments or votes to collect different views on properties.
3. Team Management
Proper team involvement is very necessary for real estate business. Monitoring the team’s involvement and progress gets quite easier through Trello. In your Trello account, you can add members to your boards. It’s up to you that how many and which members go to which boards. You can give them editing privilege as per their work. For example, your design team can directly upload sketches, photos, etc. for your recommendation. There is also voting option so that you can gather positive and negative reaction about their works. That’s how you will be able to directly monitor their efficiency and progress. It will also help you decide that which of your department is better or which one need more of your attention.
4. Security Issue
Although you can make your Trello board public, but if you want to keep any business information safe, you can make them private. Traffic to and from Trello servers is SSL encrypted with regular backups. So don’t worry about your trading secrets while organizing in Trello.
Trello is usable via almost every smart phone. So it is usable from anywhere. It brings your office into your pockets. So it doesn’t matter if you are not in your home or office. It also doesn’t matter if you have or haven’t access to any computer, you can operate your real estate related work from anywhere in the world.
Nowadays social media have become an important part of our life. Using daily hashtags with your social media content can be a great way to communicate with your viewers. Especially if you are in any kind of business (for example, real estate business), proper use of hashtags can be a clever way to brought consumer’s and client’s attention towards your business. If you are not so much familiar with the use of hashtags, this article can help you. Some daily hashtags and their uses are discussed here.
Definition of hashtag
Hashtag is a kind of metadata tag. It is mainly a word or a phrase (all run together without any space) with the symbol ‘#’ at the beginning and end of the phrase. It is used mainly in the social media sites like Facebook, Twitter, Instagram, Pinterest etc. People use hastags to categorize their photos and comments. It helps to group related posts. It also helps audience to search for their desired type of posts. Proper use of hashtags makes both posting and searching efficient.
Motivational quotes are quite famous among social media sites. If you are in real estate business, you can use this hastag to inspire your clients or customers with famous motivational quotes about property.
E.g: ‘Owning a home is a keystone of wealth, both financial affluence and emotional security. #MotivationalMonday#MM.
People love all kind of makeover, whether it is a person or a product or a property. So if you are in property business, ‘Transformation Tuesday’ is a great opportunity to show home improvements of yours. You can add before and after photos of your home improvements and tag it with ‘TransformationTuesday’.
Ex: Add a beautiful photo of your apartment as after and a photo of the previous land as before. Then you can say, ‘only within one year, our company turned this empty land into this gorgeous, high class apartment. #TransformationTuesday#TT#.’
WaybackWednesday is a good opportunity to post good old memory. You can use this day to share nice comments of past clients. It will act as a good marketing.
Ex: ‘I never thought your flat would change my lifestyle. It is classy, beautiful and very much techno friendly.#WaybackWednesday#WBW#.’
Throwback Thursday or TBT is the most common used tweet caption. It mainly refers to older photos which makes you nostalgic. If you have property business, you can use this day to share old photos of your successful projects. You can also share photos of company programs. It will give an insight of your company to the audience.
Ex: You can add a photo of your first project tagged as TBT.
Flashback Friday or FBF is almost same as Throwback Thursday. May be social media fans didn’t think one day is enough for posting old photos, so they discover another day to bring back some old memories. And that’s the time when the Flashback Friday has invented. If you are a business person, you can use the day to share your wonderful memories with your past clients and customers.
Ex: You can share a photo of gift from an old, happy client and tag it as FBF.
Don’t keep every day for your old photos only. There must be something that makes you sentimental. It can be a recent or old event or a sentimental line of famous people. Anything that makes you sentimental can go into this hashtag category.
Ex: you can share photos of any award that your company received and tag it as Sentimental Saturday.
This is the most fun hashtag for both personal and professional use. It can be used in many ways. You can share selfies with your clients or customers while closing a great deal. It will act as a great marketing of the company. Or you can post selfies with your employees or your team while working. This will make your company feel more reliable to the audience.
Ex: Take a selfie with your client while making a significant deal. Then post it with a little description of the project under ‘SelfieSunday’ hashtag
Sunday is the best time for both having party and sharing photos of party. So take the opportunity to share company parties’ photo and make the audience realize the bond between your employees.
Ex: Add a photo of the last company party and write ‘had a blast at the party. Surely I have the best teammates.#Sunday Funday#
The popularity of hashtags depends on the name and different uses of the hashtags. A good hashtag should have a catchy name which is easy to hear and say. And it is as important as any other kind of marketing strategy.
Right now more than 70% of people use different types of hastags. So for business people, use of hastags is very important. If you want full marketing for your business, you cannot ignore daily use of hashtags. It has become a perfect marketing tool for every business.
Every one at some point in their lives will come face to face with the crossroads on their career path. But what would truly make someone uproot themselves from the comfort of a 8-5pm job to venture into a career in Real Estate where there are no certainties in income nor is there a limit to the possibility of success. Here are some key factors to consider before making the switch.
Find a good real estate mentor – somewhere, somehow, there is someone you know or your friends know who is a successful, helpful and experienced property agent. Talk to him or her. Get the person to be your mentor, if you think the fit is right. Or - you can do 1 of 2 things: you can go through the ads in the media and pick one where the mentor sounds most convincing! A more rocket science way is to go through interviews with the different agencies and do background checks on the prospective mentors. You may even want to consider having more than 1 mentor or finding an agency that provides you with a team of mentor and peer support.
Sign up for real estate sales person course and education - one of the key salesperson registration criteria for entry into the real estate agent industry will be to pass the mandatory examination set by the Council for Estate Agencies (CEA) or possess equivalent qualification. Sign up for the preparatory RES course conducted by a CEA Approved Course Provider.
Anchor your target markets - do research, and figure out: do you want to focus on: Rentals, Buying or Selling? You will require different skills for different segments. And filtering further, consider if you are going to make your niche in, for example: HDB mass market, Private, Commercial or En Bloc. Your target market determines your training, your mentorship and manager you will work under. Remember: An agent of all areas is a master of mess.
Leverage on company infrastructure, platform and group system - when you first start out, you may have to start finding your sea-legs, and this is where the company you join is vital. A good team need not be a factor of good fortune. You have to get involved in company activities, ask when in doubt, and leverage on all that your company has to offer. Scoring goals in real estate is a team effort. Remember: you got into this business because you want to be an entrepreneur - so learn, listen and leverage!
Get your licence, get started - reality knocks once you get your licence. You may face the first 3 to 6 months without achieving any sales. This is why planning ahead is crucial, both financially, mentally and emotionally. Be prepared, but be positive. Pick the right leader, who will hone your skills in negotiation, tenacity, diplomacy and networking. The internet and familiarisation with information technology are essential for successful marketing.
Stay focused and set determined goals - plan your marketing expense and income budgets and set realistic and determined goals. Have a plan, build a database of prospects, which form the right match for the target market you have set for yourself. Stay focused and learn the skills and acquire the traits necessary to bloom in this segment, Examine the different kinds of marketing mechanisms and try out the ones that will help you meet your goals. Also consider how you will fashion your lifestyle to suit your business, as the real estate schedule is certainly not a 9 to 5 work day.
Be innovative and diligent - you are now your own boss. How creative you get, and how much effort you put into building your business determines the monetary rewards you get at the end of the day. Remember: you have foregone the financial security of a salaried job to get into an industry where your paycheck depends on your effort, creativity, hard work, and dedication. Let that drive you, and you will get:
REWARDS! As the income of an agent is dependent on the commission he earns from assisting in the buying, selling or renting of a property, which commission scheme ranges from 0.5% for buying assists, 1 to 2% for selling assists and 1 month for 1 month for every 12 months or 24 months of rental, the earnings of an agent can range anywhere from a few thousand a month to $100,000 a month! Aspire to be in the group of the million-dollar real estate agent!
Ready for the switch?