February 07, 2020
If you are planning to buy or sell a home, you might ask yourself:
- Do I need a real estate agent?
- What does a Toronto real estate agent do?
In order to answer those questions, first look at different positions:
- I want to buy a home, why do I need a real estate agent? What does a real estate agent do for a buyer?
- I want to sell my home, why do I need a listing agent? What does a real estate agent do for a seller?
- I want to sell my home and buy another home, how an agent can help me? (Upsizing or Downsizing)
In this complete guide we are gonna go discuss thoroughly the above questions in different positions and how a real estate agent can help a buyer or a seller.
If you are a buyer, whether first-time buyer or an investor interested in investing in real estate and generate cash flow from your investment property, the next part is for you:
What does a real estate agent do for a buyer?
A real estate agent representing the buyer, which briefly we call it a Buyer Agent, helps his/her clients or customers, to navigate through the ups and downs of acquisitioning a home. Purchasing a home, whether you are a first time buyer, or a seasoned investor, is a big decision. A knowledgeable real estate agent can help the buyer with: 1. finding them the right fit, 2. Assessing the pros and cons of each option 3. Pointing out if there is any red flag 4. negotiating the deal, 5. Providing support till the deal closes, 6. Our agents even try to go further and not stop at the closing of the deal, but to make sure the buyers will have a smooth transition.
1.How a real estate agent can help you find the right property?
A seasoned and qualified REALTOR® should have both technical knowledge about A. the property class that you are looking for, i.e. Detached House, a Townhouse, or a Condo Apartment and B. The area that you are looking to live in.In addition to technical knowledge, a top real estate agent, has good listening skills, he/she would listen to the buyer’s needs, what are the wants and what are the requirements. For example if you are looking for a specific school boundary, or you need to have the east or west light, or you want to have a CN Tower or Lake view from your downtown condo.On top of that, a great real estate agent would EDUCATE his/her clients along the way. Analysing the real estate market trends in TOronto’s market, collecting neihgborhood’s trends, providing demographic information to the buyers and such and such.
2.How a real estate agent can help with assessing the pros and cons of each property?
One of the things that you might face is when you shortlist 2 or 3 properties and are looking to narrow down your options to The One. A real estate broker can help you by listing each proeprty’s pros and cons, based on your future usage ( i.e. you see a property that might look great at the first glance, but your kids are gonna grow up in a few years, so you might need the property to have room for expansion, a top Toronto realtor can give you ideas about the future expansion, and those hints may save you extra cost to sell in a few years and move to a bigger place, instead of doing small renos or expanding the current property)
3.Pointing out red flags of a property.
An experienced real estate agent in a vast market like Toronto can point out red flags to you while you see the properties during the showings. An average consumer buys and sell a property 5 times in their life span, but a top real estate agent could do tens of real estate transaction in just one year.
4.How a real estate agent negotiates a deal?
When it comes to purchasing a property, a top agent can negotiate not only the price, but the conditions of the deal too.Negotiating on the price starts with a CMA ( Comparative Market Analysis), which literally means the appraisal or evaluation of the property that you wanna put an offer on. By analysing the area, and comparables, your realtor will give you an idea of a fair value of the property, thus your real estate agent can protect you from overpaying for a property. Sime times a top Buyer Agent may even get the property with a Cheaper price ( a good deal) for the buyer if he sees an opening in the negotiation process with the seller’s side.In pricing a property there can be different scenarios, a property may be under listed, or over priced, or fairly priced to sell. In another Article we’d explain about the different methods of pricing.The conditions of the deal are important, conditions can vary from the closing date, vacant possession, inspections, financing, any repairs if needed, any buy-out of the rental items in the house and similar things.
5.Support until the closing
After the acceptance of the offer, an agent should get in touch with the buyer to make sure the conditions of the contract being met, such as helping the buyer with home inspection, following up with the buyer to get the financing and or mortgage approval done, and inspecting the property again before the closing date to make sure the seller is handing over the property in the same state.
6.Smooth transition
If you are new to the city, or moving to a new neighbourhood, you might wonder who are the reputable movers, what is the utility provider, how to set up your utility accounts. If you are moving to a house from a condo you might have tons of questions, how to take care of the lawn, what if the garage door opener doesn’t work and other concerns that you might have. A great real estate agent would go above and beyond, by continuing the support, even after the closing of the property.
Now that you’ve learned about services a real estate agent can provide for a buyer, it’s time to discuss the seller’s position. Next part is a complete review about what a real estate agent do for a seller:
What does a real estate agent do for a seller?
A real estate agent representing the seller, is briefly called the Listing Agent, has duties to his client ( the seller) and will navigate the process of selling a home. Selling your house can be a stressful process, and in order to manage and deal with the stress when selling your property, you can use the help of a top listing agent. A top real estate agent can help a home seller by: 1. Evaluating your home’s price and doing the CMA 2. Setting the Pricing Strategy 3. Setting the Marketing strategy 4. Preparing the home for sale 5. Setting the strategy and managing the offer presentation 6. Following up to make sure you are gonna have a smooth transition and buyer closes the purchase successfully.
1.Home Price Evaluation or appraisal
The first step to sell your home is to know how much your home is worth. If you simple are wondering " how much my home is worth? " you can submit your request in this page in order to get an approximate home valuation.But if you are looking to sell a property, this is what a top listing agent will do for you first. Your real estate agent Agent would evaluate your home’s price by creating a CMA report.CMA stands for Comparative Market Analysis, basically, the listing agent uses comparables, and the features, in addition to other market factors and Indexes to come up with the right price for your home.Evaluating the property based on CMA in most cases needs the listing agent to walk through your property to see the condition of your home.
Actually that’s a great opportunity for both you and your REALTOR® to walk through the home together. While you show your home to the agent, you can serve two purposes, first is that you can show all the upgrades or renovations that you’ve done and can add to or increase the value of your home. Second purpose is that you can also evaluate the listing agent that you are interviewing and decide if you want to hire or not.
2.Setting the pricing strategy ( it really matters, and is not one strategy fits all home sales)
In Toronto’s real estate market, there are various micro markets. Each neighborhood has a different behaviour when it comes to economic factors, supply, demand, and demographics. You may ask yourself if I price my home high to leave room for negotiations? Or should I low price my home to get more attention? The answer is: It depends on the micro market your property is located at. In some markets, pricing low and waiting for multiple offers can be a good strategy, whereas in some markets you have to price it at the market price. Even pricing it high can have backlashes, what if for example your home worth $800,000 but you price it high, in that case you might lose the potential buyers who are pre approved for a mortgage and can not go higher than $800,000 , if they set their limit around or below that number, you’ll lose them by pricing your house high.
3.Setting the marketing strategy
This is another important step that a great listing agent has to come up with marketing strategies that actually work for you type of property, neighbourhood and the area that you are looking to sell. A top listing agent in addition to the above, would define a picture of the potential buyer, and make sure that your property get that exposure too. ( i.e. for a two bedroom condo townhouse near downtown Toronto, a potential buyer image can be a young family, without a kid, or with one kid, professionals, aged between 30 to 40, and so on). Your listing agent should make sure to get the maximum exposure for your property. There are different marketing strategies, from open houses to online to Virtual reality, each marketing strategy has to be curated based on the audience you are targeting.
4.Preparing the home for entering the market ( make it more marketable)
In order to get the top dollar, after planning a property marketing strategy, you have to make your home presentable. It can include staging consultation, de cluttering, painting, small renovations, landscaping and curb appeal, final staging before hitting the market, professional videography, and so on. ( You can read more about it how to make your home more presentable for sale? )
5.Managing offers and offer presentation
Offers when starting to come, can contain different clauses and conditions, which a seasoned real estate agent can explain to you the pros and cons of each clause or condition, and advise which offer can be the better offer, ( the price is not always the only important thing, there might be clauses in the offer that make an offer obsolete.
6.Following up to make sure buyer closes the deal
After you as the Seller, receive an accepted and Firm Agreement of Purchase and Sale, the job is not done yet. You may think that I have sold my house, even though the agreement is firm, a prudent Listing Agent would keep continuing to advise his/her client and follow up the deal to make sure the deal closes successfully, according to the agreement. On top of that a great Listing Agent would do his best to make sure the seller’s transition to their new place happens smoothly.
If I want to sell and buy, should I sell first or buy first? What does a real estate agent do for someone who wants to sell and buy?
If you want to sell your current home and buy a new home,the services that your real estate agent will provide for you is a combination of the above two services, helping you buy and sell. However you might already be wondering which one you shall do first? That’s a great question.
Shall I buy first or sell first? Best real estate agents know that answering to that question is totally depending on the Type of the property and Where about of your current and target micro markets ( where your current home is located, and where do you want to buy in) .
To put it simply, look at the below scenarios:
- You own a house in 905 area, for example, York Region, Richmondhill, and you want to down size to a condo Downtown Toronto and enjoy what the city has to offer. In your case, right now as I write this article, the level of inventory for a Detached house in Richmondhill ( Absorption rate or month of inventory) is around 5 month of inventory. And the MOI in Downtown Toronto, for a Condo apartment is 1.5 Months of inventory. That means the average house in Richmondhill will take longer to sell, than a Condo in downtown. So if you buy your condo first and try to sell your house later, you may face difficulty if you rely on the proceedings of the sale of your house to close your condo purchase. So in this given scenario, it’s better to sell your home first, preferably with a bit longer closing, then buy a Condo in downtown.
- You own a condo downtown, and are in the stage that planning to expand your family and you would need more rooms. You want to sell your condo downtown and buy a house or a townhouse in 905 area. Depending on your target market, your agent shall consult you whether to sell or buy first.
There are different levels of organizations that govern real estate and make sure that it works in ways to protect the consumer.
A summary of how real estate is organized in Canada and Toronto:
Real Estate in Canada is organized and operates in 3 different levels,CREA ( The Canadian Real Estate Association )represents the agents in the national and international level. A REALTOR® or a real estate agent working in Ontario has to be registered with Real Estate Council of Ontario. Real estate boards, such as TREB ( Toronto’s Real Estate Board) operate at a local level. A real estate agent in Toronto would be part of TREB, and with access to TREB’s MLS®, the realtors working in Toronto, can list the properties on TREB’s Multiple Listing Service® and benefit from a high exposure.
Resource : What Does A real estate agent do
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January 21, 2020
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January 14, 2020
Gameplay
Classic recreates the game in the state it was in after patch 1.12.1, c.September 2006, before the launch of The Burning Crusade expansion. The maximum level of the player characters is set to 60, all expansion content is absent, and almost all the gameplay mechanics of the original version have been exactly replicated.[4]As the game's multiple expansions have dramatically changed the gameplay over time,Classic allows players to relive the original experience, albeit some modern interface and functional enhancements introduced in later expansions have been integrated, as well as re-patching of bugs and exploits that were present at the original release of patch 1.12.
Players can choose from the eight original races of World of Warcraft:humans,dwarves,gnomes and night elvesfor the Alliance, and orcs,trolls,tauren and the Forsaken for the Horde. The original nine classes are present:druid,hunter,mage,paladin,priest,rogue,shaman,warlockandwarrior. As in the original version of the game, only Alliance players can become paladins, and only Horde players can become shamans. Races and classes added in the expansions, such as worgen or death knights, will not be available in the game. The game world is restored to its original, pre-Cataclysm state, and expansion areas such as Outland are not accessible.
To emulate the original game's patch release cycle, content inClassicwill release in phases.This means that game content originally released in patches, such as the Blackwing Lair, Ahn'Qiraj, and Naxxramas raids, battlegrounds like Warsong Gulch and Alterac Valley, and certain items and quests, will become available after launch according to a six-phase schedule. Unlike the content patches for the original game, these phases will not modify the core game mechanics such as character abilities in any way; the game balance is set to the 1.12.1 version of the game.
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Scientists analysing a meteorite have discovered the oldest material known to exist on Earth.
They found dust grains within the space rock - which fell to Earth in the 1960s - that are as much as 7.5 billion years old.
The oldest of the dust grains were formed in stars that roared to life long before our Solar System was born.
A team of researchers has described the result in the journal Proceedings of the National Academy of Sciences.
When stars die, particles formed within them are flung out into space. These "pre-solar grains" then get incorporated into new stars, planets, moons and meteorites.
"They're solid samples of stars, real stardust," said lead author Philipp Heck, a curator at Chicago's Field Museum and associate professor at the University of Chicago.
- Exotic grains from cosmos identified
- Interstellar object may hold 'alien' water
- Comets hold life chemistry clues
A team of researchers from the US and Switzerland analysed 40 pre-solar grains contained in a portion of the Murchison meteorite, that fell in Australia in 1969.
"It starts with crushing fragments of the meteorite down into a powder," said co-author Jennika Greer, from the Field Museum and the University of Chicago.
"Once all the pieces are segregated, it's a kind of paste, and it has a pungent characteristic - it smells like rotten peanut butter."
This whiffy paste was then dissolved in acid, leaving only the stardust.
"It's like burning down the haystack to find the needle," said Philipp Heck.
To work out how old the grains were, the researchers measured how long they had been exposed to cosmic rays in space. These rays are high-energy particles that travel through our galaxy and penetrate solid matter.
Some of these rays interact with the matter they encounter and form new elements. The longer they are exposed, the more of these elements form. The researchers used a particular form (isotope) of the element neon - Ne-21 - to date the grains.
"I compare this with putting out a bucket in a rainstorm. Assuming the rainfall is constant, the amount of water that accumulates in the bucket tells you how long it was exposed," said Dr Heck.
Measuring how many of the new elements are present tells scientists how long the grain was exposed to cosmic rays. This in turn informs them how old it is.
Some of the pre-solar grains turned out to be the oldest ever discovered.
Based on how many cosmic rays had interacted with the grains, most had to be 4.6-4.9 billion years old. For comparison, the Sun is 4.6 billion years old and the Earth is 4.5 billion.
However, the oldest yielded a date of around 7.5 billion years old.
More to be found
Dr Heck told BBC News: "Only 10% of the grains are older than 5.5 billion years, 60% of the grains are "young" (at) 4.6 to 4.9 billion years old, and the rest are in between the oldest and youngest ones.
"I am sure there are older pre-solar minerals in Murchison and other meteorites, we just haven't found them yet."
Previously, the oldest pre-solar grain dated with neon isotopes was around 5.5 billion years old.
The findings shed light on a debate over whether or not new stars form at a steady rate, or whether there are highs and lows in the number of new stars over time.
"Thanks to these grains, we now have direct evidence for a period of enhanced star formation in our galaxy seven billion years ago with samples from meteorites. This is one of the key findings of our study," said Dr Heck.
The researchers also learned that pre-solar grains often float through space stuck together in large clusters, like granola. "No one thought this was possible at that scale," Philipp Heck explained.
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November 21, 2019
The head of Google and parent company Alphabet has called for artificial intelligence (AI) to be regulated.
Writing in the Financial Times, Sundar Pichai said it was "too important not to" impose regulation but argued for "a sensible approach".
He said that individual areas of AI development, like self-driving cars and health tech, required tailored rules.
Last week it was revealed that the European Commission isconsidering a five-year ban on facial recognition.
Earlier this month, the White House published its own proposed regulatory principles and urged Europe to "avoid heavy-handed innovation-killing models".
Mr Pichai noted that while AI had enormous potential there were also considerable dangers, such as the misuse of deepfakes, which are computer-generated clips that are designed to look real.
Maria Axente, responsible AI lead at Pricewaterhouse Coopers, told the BBC she believes regulation is the right path for the sector.
"The question is how can it be done in a way that doesn't kill innovation, as well as continue to balance the benefits of AI with the risks it poses, as AI becomes more embedded in our lives?" she said.
"Regulation and self-regulation, via a code of ethics and an ethics board, might not be enough to do that."
Google launched its own independent ethics board in 2019,but shut it down less than two weeks laterfollowing controversy about who had been appointed to it.
Mr Pichai will be speaking at the World Economic Forum,which takes place this week in Switzerland, along with Microsoft's Satya Nadella and Huawei founder Ren Zhengfei.
more...
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November 16, 2019
"The abbreviation stands for Massively Multiplayer Online Role-playing Game. It’s s type of game where a great number of people can interact with each other within a virtual world.
As in all role playing games, a player creates a character and then assumes the role of that character within the game world. You control the actions and behaviour of your character, within certain limits (created by your chosen race, class or faction).
The biggest difference between an MMORPG and other games are the sheer amount of players you can encounter. In a typical RPG, it’s just you and maybe your buddy that you’ve chosen to play with, and when you’re not online or present, the world just stops. In an MMORPG, the world is consistent, hosted by the game publishers, and it is there no matter if you’re online or not.
You need to have a decent internet connection to play a MMORPG, since it constantly gets information not just about what you do, but also what other players do at that same time. In an RPG, you don’t necessarily need an internet connection at all. It depends on the game"
I fount this answer on quroa! https://www.quora.com/What-is-a-MMORPG-game
what do you think about mmorpg games?
what mmorpg game is the best?
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October 11, 2019
WordPress 5.3 was released just a few hours ago. It will be the last major WordPress release of 2019.
This release is packed with some new features and lots of improvements including a brand new default theme.
In this article, we will show you what’s new in WordPress 5.3 and which features you should try after updating your websites.
WordPress 5.3 is a major release, and unless you are on amanaged WordPress hostingservice, you’ll have to manually initiate the update.
Important
on’t forget to create a completeWordPress backupbefore starting the update.
A Design and User Interface Upgrade
WordPress 5.3 comes with several changes in the overall appearance of the WordPress user interface. These changes are not highly noticeable, but they bring coherency to the overall appearance of the admin area.
The new user interface adds borders around form fields to make them more noticeable. It also improves the accessibility of the WordPress admin area to make it a good experience for all users.
Twenty Twenty The New Default WordPress Theme
WordPress traditionally releases a new default theme each year which is usually named after the year. WordPress 5.3 now ships with Twenty Twenty as the new default WordPress theme.
This new theme is designed to take full advantage of theWordPress block editor. It allows you to easily create beautiful content layouts for your articles and pages.
Twenty Twenty uses theIntertypeface (font), which looks great for headlines. It also looks great on smaller screens and provides a better reading experience across devices.
It is a single column WordPress theme which means there is no sidebar for your blog posts or pages. It does have a widget ready area at the bottom.
You can also use the cover or the fullwidth template with your posts and pages. The full-width template works really well not just with block editor but also with otherpage builder plugins.
Overall, this is a beautiful theme suitable for both business websites as well as personal blogs.
New Features in The WordPress Block Editor
In 2018, WordPress released a new editor interface code-named ‘Gutenberg’. This newWordPress content editor, completely changed the writing interface in WordPress.
Subsequent WordPress releases has continued to improve upon it, and WordPress 5.3 will come with tons of enhancements to the block editor.
Here are a few block editor changes in WordPress 5.3 that you’d find useful.
The Group Block
The group block allows you to group blocks together. This handy block helps you organize your layout by dividing it into different groups.
You can set the group width to be wide or full-width, and choose a background color for the group container.
You can add new blocks into a blank group or select multiple blocks, and add them to the group. This allows you to interact with these blocks together. For example, you can put different blocks into one group, and then save it as a reusable block.
The Columns Block
Columns provide another way to create interesting layouts in the WordPress editor. WordPress 5.3 comes with some major changes to the columns block.
First, you can set a layout for columns and adjust their width.
Secondly, you can set an individual column to be wider, and the rest of the columns will automatically adjust.
The placeholder to add blocks inside a column is now clearly visible making it easier to use.
You can also set vertical alignment for columns. This means you no longer need to add spaces for proper alignment of content in each column.
Improved Button Block
WordPress 5.3 makes it easier toadd button in posts or pageswith an improved button block which will allow you to select border-radius yourself.
You can also open button links in a new window and make it nofollow if needed.
Block Previews
The block editor in WordPress 5.3 shows a block preview. However, the preview is only available when you are using the Add new block icon on the top.
Heading Colors
WordPress 5.3, now lets you choose a color for sub-headings inside your articles.
Reorder Gallery Images
The new and improved gallery block in WordPress 5.3 allows you to reorder images inside the gallery.
Image Block Styles
Image block now lets you choose a style for your images. Currently, it ships with two styles: Default and Circle mask.
Improved Table Block
Table block in WordPress 5.3 has some much-needed improvements. You can now select styles and add stripes to table rows. You can also add header and footer rows.
Improved Latest Posts
Previously, the latest posts block only added a list of links to recent posts. WordPress 5.3 allows to add the latest posts with excerpts and display them in a grid layout.
It does not show featured images for the latest posts. For an alternative method, see our guide onhow to show recent posts with thumbnails.
The Block Editor is Now Even Faster
The WordPress editor relies heavily on PHP and JavaScript. While PHP only runs on yourWordPress hostingserver, JavaScript runs on your user’s browser.
A big task for the WordPress core team is to keep the editor interface smooth and responsive no matter how many blocks and content you add.
In WordPress 5.3, the block editor team has shaved off 1.5 seconds of loading time while testing with 1000 blocks and 36,000 words long post.
Improved Image Uploads in WordPress 5.3
Previously when you uploaded large images from your phone or camera, there was always a chance that your server would time out before the upload could finish.
WordPress 5.3 has addressed this issue. It will now automatically save the image creation process and allow you to resume uploads without breaking anything.
WordPress also fixed the image rotation issue using the EXIF metadata which is something added by your camera or phone to the original image.
You can now use very large image sizes in WordPress posts and pages.
Improved Site Health Reports in WordPress 5.3
WordPress introduced asite health scorefeature with WordPress 5.1. This helped website owners improveWordPress speed and performanceand address common WordPress security issues.
It showed a site health score in percentages, which was a bit arbitrary and confusing to beginners. WordPress 5.3 has replaced it with a status message like ‘Should be improved’ and ‘Good’.
Show Password Button on Login Screen
WordPress 5.3 adds a show password button on the WordPress login screen. This is a really handy tool and makes it easier to type complex passwords, or see that you have entered a password correctly.
WordPress Admin Email Address Verification
Previously, WordPress allowed you to simply change the admin email address fromSettings » Generalpage.
This address is very important as WordPress sends password reset and other notification emails to the address.
WordPress 5.3, now makes it mandatory to verify the new email address to ensure that you don’t miss those future emails.
Note
lease make sure that you’re using aWordPress SMTP plugin, so your WordPress site emails actually make it to your inbox. See our guide onhow to fix WordPress not sending email issue.
Under The Hood Changes
WordPress 5.3 brings ton of features and improvements targeted towards developers. The following are some of the most significant under the hood changes.
WordPress 5.3 offers a better way to discourage search engines from indexing a website when you check the option ‘Discourage search engines from indexing this website’ option. (#43590)
Improved compatability with PHP 7.4. (#47441,#47704,#47746,#47783)
Better handling of date and timezone functionality, which will allow developers to use them more efficiently in their projects. (See details)
On a WordPress multisite network, developers can filter sites by status. (#37392,#37684)
Multisite will now store database version as meta (#41685)
We hope this guide helped you explore what’s new in WordPress 5.3. We are particularly excited about the block editor improvements in this release.
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August 02, 2019
World of Warcraft(WoW) is a massively multiplayer online role-playing game (MMORPG) released in 2004 by Blizzard Entertainment. It is the fourth released game set in the Warcraftfantasy universe.World of Warcrafttakes place within theWarcraftworld of Azeroth, approximately four years after the events at the conclusion of Blizzard's previousWarcraftrelease,Warcraft III: The Frozen Throne.The game was announced in 2001, and was released for the 10th anniversary of theWarcraftfranchise on November 23, 2004. Since launch,World of Warcrafthas had eight major expansion packs produced for it:The Burning Crusade,Wrath of the Lich King,Cataclysm,Mists of Pandaria,Warlords of Draenor,LegionandBattle for Azeroth, and Shadowlands.
World of Warcraftwas the world's most popular MMORPG by player count of nearly 10 million in 2009.The game had a total of over a hundred million registered accounts by 2014.By 2017, the game had grossed over $9.23 billion in revenue, making it one of the highest-grossing video game franchises of all time. At BlizzCon 2017, a vanilla version of the game titled World of Warcraft Classic was announced, which planned to provide a way to experience the base game before any of its expansions launched. It released in August 2019.
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