Friday, 24 August 2018

BEST REAL ESTATE QUOTES

Below are 15 incredible quotes which highlight the interchangeable link between property and wealth throughout history.
“The best investment on earth is earth.”
– Louis Glickman
“I like thinking big. If you’re going to be thinking anything, you might as well. THINK BIG!”
– Donald Trump
“Don’t wait to buy land, buy land and wait.”
– Will Rogers
“The major fortunes in America have been made in land.”
– John D. Rockefeller
“Buying real estate is not only the best way, the quickest way, the safest way, but the only way to become wealthy.”
– Marshall Field
“Kissing is like real estate. The most important thing is location, location, location”.
– Unknown
“The house you looked at today and wanted to think about until tomorrow may be the same house someone looked at yesterday and will buy today.”
– Koki Adasi
“Our favourite holding period is forever.”
– Warren Buffett
“Buy land, they’re not making it anymore.”
– Mark Twain
“Buy on the fringe and wait. Buy land near a growing city! Buy real estate when other people want to sell. Hold what you buy!”
– John Jacob Astor
“Land monopoly is not only monopoly, but it is by far the greatest of monopolies; it is a perpetual monopoly, and it is the mother of all other forms of monopoly.”
– Winston Churchill
“The major fortunes in America have been made in land.”
– John D. Rockefeller
“Ninety percent of all millionaires become so through owning real estate. More money has been made in real estate than in all industrial investments combined. The wise young man or wage earner of today invests his money in real estate.”
– Andrew Carnegie
“Before you start trying to work out which direction the property market is headed, you should be aware that there are markets within markets.”
-Paul Clitheroe
“Landlords grow rich in their sleep without working, risking or economising.”

Tuesday, 14 August 2018

ABC HOW TO BUY LAND IN KENYA

Land is a great investment because they "don’t make it anymore",....Meaning the ground never expand while the population is ever increasing everyday.The Kenyan constitution permits citizens to acquire land within any county providing they comply with the following legal procedures of buying and selling land in Kenya.
1.) Land identification – This is where soon-to-be landowners identify land that meets their criteria such as location, size and soil type.
2.) Search at the lands registry – After identifying a piece of land that meets the desired standards, a prospective buyer should obtain a copy of the land title deed from the seller to facilitate the search.
Normally, it takes about two hours to get search results after filing a search application form (and attaching a copy of the title). This process costs Sh520.
Search results show details of the land including the registered owner of the land, acreage as well as any caveats registered against the title deed. A valid search should be no more than six months old.
3.) Search at the County office – The search helps to unearth any unpaid land rates which should be factored in the purchase price. A certificate of clearance from City Hall will cost you Sh7,500, but the fee varies in other counties.
4.) Obtain (two) land maps – The maps can be acquired from either the Land ministry or a local surveyor at a cost of Sh300 each. One map is normally drawn to scale and the other is an overview of the land showing adjacent plots.
5.) Ground verification – After obtaining the maps, the buyer visits the land (together with the seller and the surveyor) to verify the dimensions. Once this is done, the soon-to-be owner must erect beacons to avoid future disputes.
6.) Sale agreement – The buyer is advised to appoint a lawyer to represent him in the signing of the sale agreement. The agreement, which is usually prepared by the seller’s lawyer, indicates the terms of sale including the names of the buyer and seller, the price of the land, mode of payment and documents to be supplied by the seller to facilitate registration of the transfer of land to the buyer.
At this point, the seller may ask you to pay a 10 per cent deposit, but it is advisable not to part with a penny until you get clearance from the Land Control Board (LCB) – which has the final say on land transactions.
7.) Land Control Board clearance – The LCB is a forum that comprises area elders and county commissioners and its duty is to ensure that land transactions are conducted in a transparent manner – e.g stopping a husband from selling family land without the wife’s consent. This costs Sh1,000. However, instead of waiting for the main LCB meeting, the parties can schedule a special meeting involving only the assistant county commissioner at a cost of Sh5,000.
8.) Transfer and procurement of completion documents – One the payments are made and the seller inks the land transfer forms, the buyer should proceed to the ministry – armed with the consent from LCB, land search, clearance from county, 3 passport photos, KRA pin certificate, sale agreement and old title deed – to change ownership of the land. It takes two weeks and Sh5,000 to process a new title deed.
9.) Stamping the transfer – The buyer is required to apply for the valuation of the land by the government valuer using the valuation form filled by the seller. The Lands office will use these documents to compute the stamp duty payable. The stamp duty, which should be paid to the Commissioner of Domestic Taxes, is 4 per cent of the land value for urban areas 2 per cent for rural areas.
MUST!!
After THE TRANSFER, the buyer should/MUST do another search with the Ministry of Lands to conirm that the land now reads his/her details.

Monday, 13 August 2018

ABC: Acres of Diamonds Article

Acres of Diamonds Article by: Earl Nightingale

The Acres of Diamonds story ”a true one” is told of an African farmer who heard tales about other farmers who had made millions by discovering diamond mines. These tales so excited the farmer that he could hardly wait to sell his farm and go prospecting for diamonds himself. He sold the farm and spent the rest of his life wandering the African continent searching unsuccessfully for the gleaming gems that brought such high prices on the markets of the world. Finally, worn out and in a fit of despondency, he threw himself into a river and drowned.
Meanwhile, the man who had bought his farm happened to be crossing the small stream on the property one day, when suddenly there was a bright flash of blue and red light from the stream bottom. He bent down and picked up a stone. It was a good-sized stone, and admiring it, he brought it home and put it on his fireplace mantel as an interesting curiosity.
Several weeks later a visitor picked up the stone, looked closely at it, hefted it in his hand, and nearly fainted. He asked the farmer if he knew what he’d found. When the farmer said, no, that he thought it was a piece of crystal, the visitor told him he had found one of the largest diamonds ever discovered. The farmer had trouble believing that. He told the man that his creek was full of such stones, not all as large as the one on the mantel, but sprinkled generously throughout the creek bottom.
The farm the first farmer had sold, so that he might find a diamond mine, turned out to be one of the most productive diamond mines on the entire African continent.The first farmer had owned, free and clear … acres of diamonds. But he had sold them for practically nothing, in order to look for them elsewhere. The moral is clear: If the first farmer had only taken the time to study and prepare himself to learn what diamonds looked like in their rough state, and to thoroughly explore the property he had before looking elsewhere, all of his wildest dreams would have come true.
The thing about this story that has so profoundly affected millions of people is the idea that each of us is, at this very moment, standing in the middle of our own acres of diamonds. If we had only had the wisdom and patience to intelligently and effectively explore the work in which we’re now engaged, to explore ourselves, we would most likely find the riches we seek, whether they be financial or intangible or both.
Before you go running off to what you think are greener pastures, make sure that your own is not just as green or perhaps even greener. It has been said that if the other guy’s pasture appears to be greener than ours, it’s quite possible that it’s getting better care. Besides, while you’re looking at other pastures, other people are looking at yours.
A man I knew in Arizona began with a small gas station. One day, while one of his young attendants filled a man’s gas tank, he watched the customer while he stood about waiting for the job to be finished. It dawned upon him that the man had money in his pockets and there were things he needed or wanted that he would pay for if they were conveniently displayed where he could see them.
So he began adding things. Fishing tackle, then fishing licenses, hunting and camping equipment, rifles, shot guns, ammunition, hunting licenses. He found an excellent line of aluminum fishing boats and trailers. He began buying up the contiguous property around him. Then he added an auto parts department. He always sold cold soft drinks and candy, but now he added an excellent line of chocolates in a refrigerated case. Before long, he sold more chocolates than anyone else in the state. He carried thousands of things his customers could buy while waiting for their cars to be serviced.
All the products he sold also guaranteed that most of the gas customers in town would come to his station. He sold more gas. He began cashing checks on Friday, and his sales grew. It all started with a man with a human brain watching a customer standing around with money in his pockets and nothing to spend it on. Others would have lived and died with the small service station, and they do. My friend saw the diamonds.
Many service station operators, upon seeing a wealthy customer drive in, might say to themselves, I ought to be in his business. Not so. There’s just as much opportunity in one business as another, if we’ll only stop playing copycat and begin to think creatively, in new directions. It’s there, believe me. And it’s your job to find it.
Take the time to stand off and look at your work as a stranger might and ask, Why does he do it that way? Has he noticed how what he’s doing might be capitalized upon or multiplied? If you’re happy with things as they are, then by all means, keep them that way. But there’s great fun in finding diamonds hiding in ourselves and in our work. We never get bored or blasé or find ourselves in a rut. A rut, remember, is really nothing more than a grave with the ends kicked out. Some of the most interesting businesses in the world grew out of what was originally a very small idea in a very small area. If something is needed in one town, then the chances are it’s also needed in all towns and cities all over the country.
You might also ask yourself, How good am I at what I’m presently doing? Do you know all there is to know about your work? Would you call yourself a first-class professional at your work? How would your work stand up against the work of others in your line?
The first thing we need to do to become a “diamond miner” is to break away from the crowd and quit assuming that because people in the millions are living that way, it must be the best way. It is not the best way. It’s the average way. The people going the best way are way out in front. They’re so far ahead of the crowd you can’t even see their dust anymore. These are the people who live and work on the leading edge, the cutting edge, and they mark the way for all the rest.
It takes imagination, curious imagination, to know that diamonds don’t look like cut and polished gemstones in their rough state, nor does a pile of iron ore look like stainless steel. To prospect your own acres of diamonds, develop a faculty we might call “intelligent objectivity.” The faculty to stand off and look at your work as a person from Mars might look at it. Within the framework of what industry or profession does your job fall? Isn’t it time for a refreshing change of some kind? How can the customer be given more value? Each morning ask yourself, How can I increase my service today? There are rare and very marketable diamonds lurking all around me. Have I been looking for them? Have I examined every facet of my work and of the industry or profession in which it has its life?
There are better ways to do what you are presently doing. What are they? How will your work be performed 20 years from now? Everything in the world is in a state of evolution and improvement. How could you do today what would eventually be done anyway?
Sure there’s risk involved; there’s no growth of any kind without risk. We start running risks when we get out of bed in the morning. Risks are good for us. They bring out the best that’s in us. They brighten the eye and get the mind cooking. They quicken the step and put a new shining look on our days. Human beings should never be settled. It’s okay for chickens and cows and cats, but it’s wrong for human beings. People start to die when they become settled. We need to keep things stirred up.
Back in 1931, Lloyd C. Douglas, the world-famous novelist who wrote The Robe, Magnificent Obsession, and other bestselling books, wrote a magazine article titled “Escape.” In that article Douglas asked, “Who of us has not at some time toyed briefly with the temptation to run away? If all the people who have given that idea the temporary hospitality of their imagination were to have acted upon it, few would be living at their present addresses. And of the small minority who did carry the impulse into effect, it’s doubtful if many ever disengaged themselves as completely as they had hoped from the problems that hurled them forth. More often than otherwise, it may be surmised, they packed up their troubles in their old kit bags and took them along.”
The point of the article was simply, don’t try to run away from your troubles. Overcome them. Prevail right where you are. What we’re really after is not escape from our complexities and frustrations, but a triumph over them. And one of the best ways to accomplish that is to get on course and stay there. Restate and reaffirm your goal, the thing you want most to do, the place in life you want most to reach. See it clearly in your mind’s eye just as you can envision the airport in Los Angeles when you board your plane in New York. Like a great ship in a storm, just keep your heading and your engines running. The storm will pass, although sometimes it seems that it never will. One bright morning you’ll find yourself passing the harbor light. Then you can give a big sigh of relief and rest a while, and almost before you know it, you’ll find your eyes turning seaward again. You’ll think of a new harbor you’d like to visit, a new voyage upon which to embark. And once again, you’ll set out.
That’s just the way this funny-looking, two-legged, curious, imaginative, tinkering, fiddling dreamer called a human being operates. He escapes from problems not by running away from them, but by overcoming them. And no sooner does he overcome one set of problems, but he starts looking around for new and more difficult pickles to get into and out of.
If you feel like running away from it all once in a while, you’re perfectly normal. If you stay and get rid of your problems by working your way through them, you’re a success. Start taking an hour a day with a legal pad and dissect your work. Take it apart and look at its constituent parts. There’s opportunity there. That’s your acre of diamonds.

DIAMOND MINING
To prospect your own acres of diamonds and unearth the opportunities that exist in your life right now, regularly challenge yourself with some key questions:
  1. How good am I at what I’m presently doing?
  2. Can I call myself a first-class professional at my work?
  3. How would my work stand up against the work of others in my field?
  4. Do I know all I can about my industry or profession?
  5. How can the customer be given a better break?
  6. How can I increase my service?
  7. There are rare and very marketable diamonds lurking all around me. Have I been looking for them? Have I examined every facet of my work and of the industry or profession in which it has its life?
  8. There are better ways to do what I’m presently doing. What are they?
  9. How will my work be performed 20 years from now?
  10. Everything in the world is in a state of evolution and improvement. How can I do now what will eventually be done anyway?

Tuesday, 7 August 2018

The Bible describes four major types of fasting


• A Regular Fast - Traditionally, a regular fast means refraining from eating all food. Most people still drink water or juice during a regular fast. When Jesus fasted in the desert, the Bible says, "After fasting forty days and forty nights, he was hungry." This verse does not mention Jesus being thirsty.
 • A Partial Fast - This type of fast generally refers to omitting a specific meal from your diet or refraining from certain types of foods. Daniel 10:2-3 says, "At that time I, Daniel, mourned for three weeks. I ate no choice food; no meat or wine touched my lips; and I used no lotions at all until the three weeks were over." In Daniel 1:12, they restricted their diet to vegetables and water: "Please test your servants for ten days: Give us nothing but vegetables to eat and water to drink."
• A Full Fast - These fasts are complete - no food and no drink. Acts 9:9 describes when Paul went on a full fast for three days following his encounter with Jesus on the road to Damascus: "For three days he was blind, and did not eat or drink anything." Esther also called for this type of fast in Esther 4:15-16: "Then Esther sent this reply to Mordecai: 'Go, gather together all the Jews who are in Susa, and fast for me. Do not eat or drink for three days, night or day. I and my maids will fast as you do. When this is done, I will go to the king, even though it is against the law. And if I perish, I perish.'" It is recommended that this type of fast be done with extreme caution and not for extended periods of time.
• A Sexual Fast - 1 Corinthians 7:3-6 says, "The husband should fulfill his marital duty to his wife, and likewise the wife to her husband. The wife's body does not belong to her alone but also to her husband. In the same way, the husband's body does not belong to him alone but also to his wife. Do not deprive each other except by mutual consent and for a time, so that you may devote yourselves to prayer. Then come together again so that Satan will not tempt you because of your lack of self-control."
Although not mentioned in the Bible, Christians today commit to fasting from other activities as well. Some give up entertainment such as TV or movies to concentrate on prayer. Others fast from sleep or another activity for a specified period of time.  When we deny ourselves the comforts we are accustomed to—whether a full plate of food, or some other part of our daily routine (TV, coffee, Internet, etc.)— we are more mindful of our great need for God. Also, when we deny our sinful desires, we become more acutely aware of them, for when they are not fed, they tend to surface in more noticeable ways. Most importantly, these practices make us mindful of our need for salvation by Jesus' death on the cross. The “Daniel’s Fast” is a great way to begin each year with the expectation of miracles and blessings throughout the entire year.  Family and Friends, we will begin our fast Wednesday, January 3rd and ending Wednesday,  January 24th.  Watch and see what God does as we come together in unity and show love for Him through fasting.     As we think about God’s purpose for Fasting, I want to draw your attention to a particular passage of scripture (Isaiah 58:3-9).   This passage gives a plethora of warnings as well as positive results that can occur when we submit ourselves to the discipline of fasting.   God’s people in Isaiah’s day had been fasting, but without results.  The reason, God says, is that they ignored the way fasting should change their lives, treating it as an empty ritual.  God’s people considered worship (fasting) to be merely a private, inward act.  All of the focus on fasting was on the personal dimension.  So, the Lord issued a word of rebuke in verse 5.   Let’s not be like the people of Isaiah’s day.  Please note that the purpose of all worship, including fasting, is to change the worshiper in ways that have social and interpersonal impact.  We worship not just to gratify ourselves, but also to become empowered to change the world!!!

    

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