From my own experience I can say that in most cases, the decision on selecting and buying a house are made on emotion. Robert J. Shiller contributes greatly to this topic. He came, saw, admired – is mine! It is not always even clear what impact the final decision of the client. Like I was searching for one thing, and chose something completely different. Sometimes it's what the realtor is so emotionally painted charms of the object that the client fell under this influence, makes a decision about the purchase. I do not advocate this approach. I think that decisions about such serious purchases should be based on a combination of rational and intuitive approach.
It all starts with the definition of customer needs. Everyone has its own system of values, lifestyles, habits and the importance of individual parameters homes, land, places for different people is different. Already at the stage of selection of the object is to define in detail what did the client is most important. There are complexities that are not properly aware of all their needs and get the right answers are not so simple. It turns out things gradually, based on client response to the proposed collection of objects. In order to systematize the information received, as well as further work on search and selection, I use a very convenient and simple tool to evaluate the options matrix. First the parameters of the property and their value to the customer. Examples of parameters: Price (quantity and condition payment) Distance from Moscow Ring Road, napravlenieGotovnost (home town) Completeness infrastrukturySotsialnoe environment, status poselkTerritorialnoe environment (nature) and the appearance of the house structure planirovkKachestvo Determine the set of the most important parameters for the client and determine its weight relative to the other.
For example, have chosen 5 relevant parameters, and then give them weight in%: price is important to 50%, 20% distance, quality of construction and planning for 15%, 10% of home readiness, and territorial environment at 5%. You can still enter the parameter intuitive approach likes / dislikes and to determine its weight. When selecting objects for the client, I consider this distribution. As a result of the inspection home, we plot together with the client evaluate each indicator, for example, on a scale of 1 to 10 and born as a result of this evaluation, this matrix of options Enjoying the final assessment and determine the best facility in terms of rational approach – Object 1. Combining this approach with an intuitive, you can choose exactly what you need.
It so happened a long time, that everything with regards to the construction of a tree, people have caused a lot of questions. And since they could not answer them, then created a false assumption. And it does not matter referred to the wooden cottage, hunting lodge or a booth for the dog. Therefore, this our article, we have decided to call it so. Here we try to dispel all the myths and provide answers to many questions. Myth 1. Wooden house – especially old building. People the most widely believed that the wooden house – it's summer house, which is not suited for living.
Of course, this opinion has a right to exist. After all, most of them wooden houses put on the cottages to come and relax in the summer. Because winter is not enough that there is no communication, so still and do not drive up to the house. It was a long time ago but not now. We live in the 21st century. In our time, a wooden house may be the same Major housing as an apartment or a house brick. Now the wooden house – well furnished accommodation, which has everything from flooring, finishing with alarm. This is a completely well-maintained and safe Eco-friendly housing.
The only difference – the walls are not brick or stone, and wood. Moreover, the material of which will be taken home, may be different: a log or timber with any diameter. Myth 2. Fire safety is low. Undoubtedly, this question is very important. Particularly for those intending to build a wooden house, a bathhouse or gazebo. Of course, wooden structures burn, but burn and stone, and brick houses. An example is the house, especially in villages, negligent owners. Did you see what remains of the brick house when it burned? We live in the 21st century, where impregnation invented not only on insects but also to save the house from fire. Just do not think that the house was covered by such impregnation technique and forget about fire safety. It is not. Remember that as a wooden and brick house in need of very careful handling the fire. Myth 3. Poor choice of color palette. Argued that the wooden house may be only light colors. It is also misleading. The house can be anybody you liked, the color from white to the color of a raven's wing. Another definite plus: you sick of the color of your home, you want something new, polished – and painted a new color. Interested? A brick house with so do not do. Myth 4. Wooden houses – a short-lived home. You know, a lot of people who come to us in the company asked a question. Forget about old already, blackened and ramshackle houses. We live in another time. There is now a mass of technologies that will not allow the rapid aging of the house. This protective roofing materials, impregnation, and paints. Just behind the wooden house to monitor and maintain. PS We think that given you enough information to think about. But if there were any questions, you can always contact our specialists who daudt answers to all your questions.
The current crisis – a crisis of lack of expandability, and consumer markets the world's people to serve earlier loans. The U.S. debt pyramid, in which mortgage payments were given for through new borrowings, but with constantly diminishing rate on loans from 19% in the 90s to 2.5% in the early twenty-first century, has exhausted itself. "Golden Age" of the world economy came to its logical conclusion. Developed Russian specialists in the field of economy crisis theory argues that in the last 30 years there was a significant excess of expenditure over real disposable income. The cause of the financial and economic crisis is the fall in aggregate demand in the world due to the fact that the mechanism for the maintenance of credit to stimulate this demand has exhausted itself – there was a decrease the cost of credit.
New real income of population the past 30 years has not appeared. The current crisis is quite possible to compare in scale with the "great depression". Due to hypertrophy of the financial sector share of industry in gross product of the United States today less than 20%, although even in the 30s of last century was about 70%. It becomes clear that the scheme for which there was the economy, has exhausted itself. Today, the U.S. priority of purchasing power has dropped to 20%, and consumption – up to 40%.
Nevertheless, the U.S. consumes far more than it produces. The whole world lives on U.S. demand, which gets a re-printed, no-dollar parity, which urgently need to materialize in metals, products, real estate and equipment. Since 1981, the economies of the world began pumping credit demand. She worked on the scheme, when fixed annual payments increasing body of credit – which lowers the cost of credit. The scheme was based on the financial "bubble" that are required for the disposal of excess weight of money arises from emissions.