O Que É Sistema SAC (Amortização Constante)

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QUESTÃO CERTA: Pelo método de amortização constante, os juros pagos mensalmente se reduzem bem como o valor das prestações.

QUESTÃO ERRADA: No sistema de amortização constante (SAC), o valor das parcelas pagas pelo empréstimo é constante ao longo de todo o tempo de contrato do empréstimo.

Gabarito ERRADO

SAC = amortização constante

Sistema Price = parcela constante

QUESTÃO CERTA: Paulo decidiu comprar a prazo um veículo zero quilômetro que custa R$ 41 mil. A respeito das opções de empréstimos sugeridas a Paulo, julgue o item subsecutivo. Caso Paulo financie o valor total do veículo pelo sistema de amortização constante, em 5 prestações mensais e consecutivas, vencendo a primeira prestação um mês após a data do financiamento e a juros de 3% ao mês, então o valor da segunda prestação desse financiamento será superior a R$ 9.150.

Amortização = R$ 41.000/5

Amortização = R$ 8.200,00

Juros = R$ 41.000 x 0,03

Juros =  R$ 1.230,00

1 parcela = Amortização + juros

1 parcela = R$ 9.430,00

2 parcela = amortização + juros do saldo devedor após o pagamento da 1 amortização

Juros = ( R$ 41.000,00 – R$ 8.200,00 ) x 0,03

Juros = R$ 32.800,00 x 0,03

Juros = R$ 984,00

2 parcela = amortização + juros

2 parcela = R$ 8.200,00 + R$ 984,00

2 parcela = R$ 9.184,00

R$ 9.184,00 > R$ 9.150,00

QUESTÃO ERRADA: Para pagar uma obra em 20 prestações iguais, mensais e consecutivas de R$ 30.000,00, um condomínio fixou a taxa extra de R$ 50,00 mensais para cada uma de suas 800 unidades. Com base nessas informações, julgue o item a seguir. Se a obra ficar em R$ 500.000,00, para pagamento em 20 prestações mensais pelo sistema de amortização constante, sem prazo de carência e com taxa de juros compostos de 2% ao mês, a nona prestação será inferior a R$ 30.000,00.

SD 500.000

Amortização = 500.000/20= 25.000

Amortização =25.000

Juros= 500.00*2/100= 10.0000

P1= Amort+Juros

P1= 25.000+10.000=35.000

r= 25.000*2/100=500

P9=P1-n*r

P9= 35.000-8*500

P9= 35.000-4000. P9= 31.000

QUESTÃO CERTA: Situação hipotética: Um banco emprestou R$ 12.000 para Maria, que deve fazer a amortização em doze parcelas mensais consecutivas pelo sistema de amortização constante sem carência. A taxa de juros contratada para o empréstimo foi de 1% ao mês, e a primeira parcela deverá ser paga um mês após a tomada do empréstimo. Assertiva: O valor da quarta parcela a ser paga por Maria é de R$ 1.090.

No sistema SAC, em cada parcela a amortização é de A = VP/n = 12.000 / 12 = 1.000 reais.

Após pagar 3 parcelas, já foram amortizados 3×1.000 = 3.000 reais, havendo um saldo devedor de 12.000 – 3.000 = 9.000 reais.

Durante o 4º período este saldo rende juros de 1%, ou seja:

Juros = 1% x 9.000 = 90 reais

Assim, a quarta prestação é:

P = A + J

P = 1.000 + 90 = 1.090 reais

Resposta: C

QUESTÃO ERRADA Com relação a sistemas de amortização de empréstimos e financiamentos, julgue o item a seguir. Situação hipotética: Uma instituição bancária concedeu empréstimo de R$ 30.000, entregues no ato, sem prazo de carência, para ser quitado pelo sistema de amortização constante em 24 prestações mensais. A primeira prestação vencerá um mês após a tomada do empréstimo, sendo de 2% a taxa de juros mensais adotada pela instituição bancária. Assertiva: Nessa situação, as prestações são decrescentes e a diferença entre duas prestações consecutivas é igual a R$ 50.

SAC

Valor da amortização => (Principal/Número de Prestações) => 30.000/24 = 1.250

Valora da parcela => (juros x saldo devedor + amortização)

Parcela 1 => 0,02×30.000 + 1.250 = 600 + 1250 = 1850

Parcela 2 => 0,02×28.750 + 1.250 = 575 + 1250 = 1825

Parcela 3 => 0,02×27.500 + 1.250 = 550 + 1250 = 1800

.

.

.

Última Parcela => 0,02×1.250 + 25 = 25 + 1250 = 1275

Ou seja, as parcelas são decrescentes e a diferença entre elas é de R$ 25. Pode ser calculado simplesmente calculando o montante de juros sobre a última prestação ou fazendo a diferença entre duas prestações quaisquer.

QUESTÃO ERRADA: Um financiamento de R$ 10.000 foi feito pelo sistema de amortização constante (SAC) em 5 meses consecutivos e com 2 meses de carência. A operação foi contratada à taxa de juros de 8% ao mês. Nessa situação, o valor da segunda prestação após o início da amortização era inferior a R$ 2.500.

Se temos 2 meses de carência, durante os primeiros dois meses não é pago nenhum valor, e o saldo deve ser acrescido dos juros, chegando a M = 10.000 x (1,08)^2 = 10.000 x 1,1664 = 11.664 reais.

A partir daí começamos o financiamento propriamente dito, cujo pagamento se dá em 5 prestações. A amortização em cada prestação é de 11.664 / 5 = 2.332,80 reais.

Após o pagamento da primeira prestação, o saldo devedor cai para 11.664 – 2.332,80 = 9331,20 reais. Assim, os juros incidentes ao longo do mês da segunda prestação são de 8% x 9331,20 = 746,49 reais. E assim, a segunda prestação totaliza 746,49 + 2332,80 = 3079,29 reais, que é SUPERIOR a 2.500 reais.

QUESTÃO CERTA: Ao se efetuar o pagamento de um empréstimo de R$ 100.000,00 pelo sistema SAC, em 10 prestações — mensais, consecutivas e com a 1.ª prestação vencendo um mês após a tomada do empréstimo — e com juros de 10% ao mês, o valor da 5.ª prestação será R$ 16.000,00.

No SAC, para encontrar o valor amortizável usaremos a fórmula: A = E/n, em que A é o valor amortizável (sempre fixo, pois a amortização é constante), E é o valor que será amortizado e “n” será o número de parcelas.

A = 100.000/10

A = 10.000

Como amortizaremos 10.000 por mês, o valor da 5ª parcela será o valor remanescente após o pagamento da 4ª parcela (R$ 60.000).

Multiplicamos 60.000 x 0,1 (valor da tx mensal) = 6.000 (de juros)

Valor da parcela =

A + J

10.000 + 6.000

= 16.000

QUESTÃO CERTA: Um banco emprestou R$ 200.000, entregues no ato, sem prazo de carência. O empréstimo foi quitado pelo sistema de amortização constante (SAC) em 20 prestações semestrais consecutivas. Nessa situação, se a taxa de juros do empréstimo foi de 1,5% ao semestre, então o valor da quinta prestação, em reais, foi de: 12.400.

A = 200.000/20

A = 10.000

J = 200.000 * 1,5%

J = 3.000

P1 = A+J

P1 = 10.000 + 3.000

P1 = 13.000

Como no SAC a Amortização é constante, sabemos que ao final da 4ª parcela teremos amortizado o valor de 40.000,00 daqui já podemos ir direto para o cálculo da 5ª parcela:

SD = 200.000 – 40.000

SD = 160.000

J = 160.000 * 1,5%

J = 2.400

P5 = 10.000 + 2.400

P5 = 12.400

QUESTÃO CERTA: Recentemente, a empresa Fast Brick Robotics mostrou ao mundo um robô, conhecido como Hadrian 105, capaz de construir casas em tempo recorde. Ele consegue trabalhar algo em torno de 20 vezes mais rápido que um ser humano, sendo capaz de construir até 150 casas por ano, segundo informações da empresa que o fabrica.

Internet:<www.fastbrickrobotics.net> (com adaptações).

Tendo como referência as informações acima, julgue o item a seguir.

Situação hipotética: Para comprar uma casa construída pelo robô, uma pessoa contraiu um empréstimo de R$ 120.000,00, a ser pago pelo sistema de amortização constante (SAC) em 6 anos, em 12 prestações semestrais, com taxa de juros semestral de 8%.

Assertiva: Nesse caso, desconsiderando-se a existência de eventual prazo de carência, o valor da prestação a ser paga ao final do quarto semestre será superior a R$ 16.000,00.

Sobre SAC, cujas amortização serão sempre iguais, e sabendo que os juros ou as parcelas formam uma PA, logo:

SD = 120.000

n = 6 anos = 12 semestres

i = 8% a.s.

Amortização = SD/n = 120.000/12 = 10.000

Saldo devedor após o pagamento da 3ª parcela:

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SD = 120.000

– 3 x 10.000

SD = 120.000

– 30.000 = 90.000

Juros da 4ª parcela:

Juros = 90.000 x 0,08 = 7.200

Portanto, o valor da 4ª parcela será:

4ª parcela = 10.000 + 7.200 = 17.200, ou seja, será MAIOR que 16.000.

QUESTÃO CERTA: A respeito de sistemas de amortização e de taxas de juros de empréstimos bancários, julgue o item a seguir. Uma das características do sistema de amortização constante (SAC) é que as prestações a serem pagas pelo tomador do empréstimo são todas iguais.

O SAC as prestações vão diminuindo com o tempo. O valor da parcela é a seguinte: Amortização + Juros.

O sistema em que as parcelas são constantes é o Price (francês).

QUESTÃO ERRADA: Um indivíduo contratou um financiamento imobiliário no valor de R$ 120 mil com juros nominais de 12% a.a., capitalizados mensalmente e com prazo de 40 meses para amortização. Nesse contrato de financiamento, não há atualização monetária prevista. Com base nessa situação, julgue os seguintes itens, considerando 32,8347 como valor aproximado de [1,0140 – 1]/[0,01 × 1,0140 ]. A partir do 19.o mês de financiamento, o valor da prestação mensal do financiamento imobiliário pelo sistema de amortização constante (SAC) será inferior ao valor da prestação calculado pelo sistema francês, tomando-se, para ambos os sistemas, uma taxa de juros efetiva de 1% a.m.

PRICE

VP= P * [(1 + i)^t – 1  / (1 + i)^t * i]

120000= P * [(1,01)^40 – 1  / (1,01)^40 * 0,01]

120000= P * 32,8347

P= 3654,67

SAC

A= VP/ t

A= 120000/ 40

A= 3000

P (prestação= juros + amortização) = [ 1+ (t- t 19 +1) * i ] * A

P= [ 1+ (40- 19 +1) * 0,01 ] * 3000

P= [ 1+ (22) * 0,01 ] * 3000

P= [ 1+ 0,22 ] * 3000

P= [ 3000+ 660 ]  = 3660

ERRADO

QUESTÃO CERTA: No que se refere ao sistema de amortização constante (SAC) e ao sistema de amortização francês — tabela Price —, julgue o item que segue. Se um empréstimo de R$ 1.200 for contratado para ser pago em 12 parcelas mensais e consecutivas pelo SAC à taxa de juros de 2% ao mês, e se a primeira prestação for paga 1 mês após a contratação, o valor da terceira prestação será de R$ 122.

Saldo Inicial    Juros    Amortização   Parcela

1.200                24          100                124

1.100                22           100               122

1.000                20            100              120

Lembrar 1.200 / n = Amortização, logo 100. Juros = Saldo Inicial x i

A= C/n

A= 1.200/12

A= 100

P3= A+( SD2 X i)    SD2= Saldo devedor anterior

P3= 100+ (1000.0,02)

P3= 100+ 20

P3= 120

QUESTÃO ERRADA: Um banco emprestou R$ 10.000,00 à taxa de juros mensais de 1%, devendo ser pago pelo sistema de amortização constante (SAC), em 10 parcelas mensais e consecutivas, com a primeira prestação vencendo um mês após a tomada do empréstimo (sem carência). Nessa situação, o valor da primeira prestação será superior a R$ 1.150,00.

A= 10.000/10 (n º parcela) = 1.000

P1= 1000+10.000(0,01) 1.100 (E)

QUESTÃO CERTA: Um banco emprestou a uma empresa R$ 100.000, entregues no ato, sem prazo de carência, para serem pagos em quatro prestações anuais consecutivas pelo sistema de amortização constante (SAC). A taxa de juros compostos contratada para o empréstimo foi de 10% ao ano, e a primeira prestação será paga um ano após a tomada do empréstimo. Nessa situação, o valor da segunda prestação a ser paga pela empresa será: superior a R$ 32.000 e inferior a R$ 33.000.

SD = 100.000

A = 100.000/4 = 25.000

i = 10% a.a

P2 = ??

P2 = A + J2

P2 = 25.000 + (100.000-25.000) x 0,1

P2 = 25.000 + 75.000×0,1

P2 = 25.000 + 7500

P2 = 32.500

QUESTÃO CERTA: Uma dívida de R$ 5.000,00 foi paga, em 5 prestações mensais e consecutivas pelo Sistema de Amortização Constante (SAC), sem prazo de carência. Sabendo que a 2.a prestação paga foi de R$ 1.240,00, julgue os itens que se seguem a respeito do plano de amortização dessa dívida. A 5.a prestação paga foi superior a R$ 1.100,00.A soma dos juros pagos nas 5 prestações foi de R$ 900,00.

QUESTÃO ERRADA: Uma dívida de R$ 2.000,00 foi paga, com juros de 5% ao mês, em 4 meses, pelo sistema de amortização constante (SAC); a primeira prestação venceu em um mês após a tomada do empréstimo. Considerando essas informações, julgue o item que se segue. O valor pago pela primeira prestação foi de R$ 550,00.

QUESTÃO CERTA: Situação hipotética: Um cliente tomou R$ 60.000 de empréstimo em um banco. A quantia foi entregue no ato, sem prazo de carência, e deverá ser quitada pelo sistema de amortização constante (SAC) em 12 prestações mensais consecutivas e com a primeira prestação vencendo um mês após a tomada do empréstimo. A taxa de juros contratada foi de 2% ao mês. Assertiva: Nesse caso, o valor da sexta prestação será de R$ 5.700.

Construindo uma tabela de SAC:

Dívida: 60.000 – prazo: 12 meses = 5.000 / mês

Passos para a construção da tabela:

1 – Meses

2 – Amortização: 5.000 / mês

3 – Saldo

4 – Juros sobre o saldo (2%)

5 – Parcela

Meses Saldo Juros Amortização Parcela

1 60.000 1.200 5.000 6.200

2 55.000 1.100 5.000 6.100

3 50.000 1.000 5.000 6.000

4 45.000 900 5.000 5.900

5 40.000 800 5.000 5.800

6 35.000 700 5.000 5.700

QUESTÃO CERTA: Uma dívida de R$ 5.000,00 foi paga, em 5 prestações mensais e consecutivas pelo Sistema de Amortização Constante (SAC), sem prazo de carência. Sabendo que a 2.a prestação paga foi de R$ 1.240,00, julgue os itens que se seguem a respeito do plano de amortização dessa dívida. A soma dos juros pagos nas 5 prestações foi de R$ 900,00.

QUSTÃO CERTA: Um banco emprestou R$ 10.000,00 à taxa de juros mensais de 1%, devendo ser pago pelo sistema de amortização constante (SAC), em 10 parcelas mensais e consecutivas, com a primeira prestação vencendo um mês após a tomada do empréstimo (sem carência). Nessa situação, o total dos juros pagos até a quinta prestação inclusive será igual a R$ 400,00.

PV = R$ 10.000,00   i= 1%> 0.01    Parcelas > 10x (10.000/10= 1.000 amortização)

n       Parcelas (Juros + Atual)        Juros      Amortização     Saldo Devedor

0               ———                               —              ——             10.000

1                    1.100                          100            1.000                9.000

2                    1.090                           90             1.000                8.000

3                    1.080                           80             1.000                7.000

4                    1.070                           70             1.000                6.000

5                    1.060                           60             1.000                5.000

T                    5.400                          400             5.000                —–

QUESTÃO CERTA: Suponha que um casal pretenda adquirir imóvel no valor de R$ 500 mil, sem entrada e sem diferimento da primeira parcela, adotando o sistema de amortização constante como metodologia de apuração das prestações e consiga no banco prazo de vinte anos e dez meses à taxa nominal de 12% ao ano. Nessa situação, o valor da décima segunda parcela será inferior a R$ 7 mil.

20 anos e 10 meses correspondem a 250 meses. Assim, a amortização

Mensal é:

A = VP / n = 500000 / 250 = 2000 reais

Após pagar 11 prestações, o saldo devedor é:

SD = 500000 – 11 x 2000

SD = 478000 reais

A taxa de juros nominal de 12% ao ano corresponde à taxa efetiva de

12% /12 = 1% ao mês. Assim, os juros do 12º mês são:

J = 1% x 478000

J = 4780 reais

A 12ª prestação é:

P = A + J

P = 2000 + 4780

P = 6780 reais

Item CORRETO.

QUESTÃO ERRADA: Eduardo abriu, em 5/4/2010, uma conta remunerada que paga juros compostos de 10% ao ano. Nos dias 5/4/2010, 5/4/2011 e 5/4/2012, ele depositou, nessa conta, uma mesma quantia, de modo que esses três depósitos foram os únicos feitos na conta. No dia 5/3/2013, Eduardo fez um empréstimo de R$ 60.000,00, o qual deve ser quitado pelo sistema de amortização francês (SAF) em 20 prestações mensais, iguais e consecutivas de R$ 3.641,00, com a primeira prestação vencendo um mês após a tomada do empréstimo. Com base nessas informações, julgue os itens subsecutivos, considerando 18 como valor aproximado para 1/1,01 + 1/1,012 + … + 1/1,0120. Se, ao invés do SAF, o financiamento for pago pelo sistema de amortização constante, em 20 prestações, mensais e consecutivas, à taxa de juros compostos de 5% ao mês, então o valor da décima prestação será inferior a R$ 4.500,00.

C= 60.000

t= 20 meses

A=60.000/20=3.000

i=0,05

Na décima prestação ele terá pago somente 9 prestações, faltando portanto, 11 cotas de amortização, logo saldo devedor após o pagamento da 9ª prestação é 11*3.000=33.000

P=J+A

P=(0,05*33.000)+3.000=

P= 1.650+3.000= 4.650,00

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  24. I’ve really noticed that credit score improvement activity must be conducted with tactics. If not, you will probably find yourself causing harm to your positioning. In order to be successful in fixing to your credit rating you have to ensure that from this minute you pay all of your monthly expenses promptly in advance of their booked date. It is definitely significant given that by certainly not accomplishing this, all other activities that you will decide on to improve your credit positioning will not be effective. Thanks for expressing your strategies.

  25. Wow, wonderful weblog format! How long have you ever been blogging for? you make running a blog glance easy. The overall look of your web site is wonderful, let alone the content!

  26. Hello there! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be awesome if you could point me in the direction of a good platform.

  27. Thank you a bunch for sharing this with all of us you actually realize what you are speaking approximately! Bookmarked. Please additionally discuss with my website =). We could have a link alternate contract between us!

  28. This is the right website for anyone who hopes to find out about this topic. You understand a whole lot its almost hard to argue with you (not that I personally will need to…HaHa). You certainly put a new spin on a topic which has been written about for ages. Wonderful stuff, just excellent.

  29. I really love your website.. Pleasant colors & theme. Did you make this site yourself? Please reply back as I’m attempting to create my very own blog and would love to find out where you got this from or just what the theme is called. Thanks.

  30. An outstanding share! I’ve just forwarded this onto a friend who was conducting a little research on this. And he actually bought me lunch due to the fact that I discovered it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanks for spending the time to discuss this topic here on your site.

  31. Next time I read a blog, Hopefully it does not disappoint me as much as this particular one. I mean, Yes, it was my choice to read, nonetheless I genuinely believed you would have something useful to say. All I hear is a bunch of whining about something you could possibly fix if you weren’t too busy searching for attention.

  32. Hello there! This article couldn’t be written any better! Looking at this post reminds me of my previous roommate! He continually kept talking about this. I’ll send this post to him. Fairly certain he will have a very good read. Thank you for sharing!

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  34. When I initially commented I appear to have clicked the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive 4 emails with the same comment. Is there an easy method you are able to remove me from that service? Thanks a lot.

  35. I have come across that currently, more and more people are increasingly being attracted to camcorders and the area of digital photography. However, being photographer, you will need to first shell out so much time period deciding the model of dslr camera to buy in addition to moving via store to store just so you may buy the most affordable camera of the trademark you have decided to select. But it isn’t going to end right now there. You also have to contemplate whether you should purchase a digital camera extended warranty. Thanks a bunch for the good recommendations I received from your website.

  36. Thank you for the sensible critique. Me and my neighbor were just preparing to do a little research on this. We got a grab a book from our area library but I think I learned more clear from this post. I’m very glad to see such wonderful information being shared freely out there.

  37. An impressive share! I’ve just forwarded this onto a colleague who had been conducting a little homework on this. And he in fact bought me lunch because I discovered it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to discuss this subject here on your blog.

  38. Wow, this article is mind-blowing! The author has done a phenomenal job of conveying the information in an engaging and educational manner. I can’t thank him enough for providing such priceless insights that have certainly enhanced my understanding in this subject area. Hats off to him for crafting such a gem!

  39. I additionally believe that mesothelioma is a scarce form of melanoma that is usually found in individuals previously familiar with asbestos. Cancerous tissue form inside the mesothelium, which is a shielding lining that covers almost all of the body’s body organs. These cells ordinarily form in the lining of the lungs, stomach, or the sac which actually encircles one’s heart. Thanks for discussing your ideas.

  40. This design is incredible! You obviously know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Wonderful job. I really loved what you had to say, and more than that, how you presented it. Too cool!

  41. You’re so cool! I don’t suppose I’ve read through a single thing like that before. So great to find another person with some original thoughts on this topic. Really.. many thanks for starting this up. This site is something that’s needed on the internet, someone with a bit of originality.

  42. I should say also believe that mesothelioma is a scarce form of melanoma that is often found in people previously exposed to asbestos. Cancerous tissues form while in the mesothelium, which is a protective lining that covers many of the body’s internal organs. These cells normally form in the lining from the lungs, mid-section, or the sac that encircles the heart. Thanks for giving your ideas.

  43. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?

  44. May I simply say what a comfort to find an individual who genuinely understands what they’re discussing online. You certainly realize how to bring a problem to light and make it important. A lot more people really need to read this and understand this side of the story. I was surprised that you aren’t more popular given that you certainly have the gift.

  45. I really love your site.. Pleasant colors & theme. Did you make this site yourself? Please reply back as I’m hoping to create my own personal blog and would like to know where you got this from or exactly what the theme is named. Cheers.

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  47. It’s my opinion that a home foreclosure can have a important effect on the applicant’s life. Home foreclosures can have a Seven to 10 years negative relation to a client’s credit report. The borrower who has applied for home financing or just about any loans as an example, knows that a worse credit rating is definitely, the more tricky it is to secure a decent bank loan. In addition, it could possibly affect the borrower’s power to find a decent place to lease or rent, if that turns into the alternative housing solution. Interesting blog post.

  48. I blog quite often and I genuinely thank you for your information. The article has really peaked my interest. I will take a note of your blog and keep checking for new details about once a week. I subscribed to your Feed too.

  49. I’m amazed, I must say. Rarely do I encounter a blog that’s equally educative and engaging, and let me tell you, you’ve hit the nail on the head. The problem is something too few folks are speaking intelligently about. I’m very happy that I stumbled across this in my search for something concerning this.

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  53. I have realized that over the course of constructing a relationship with real estate proprietors, you’ll be able to come to understand that, in every real estate financial transaction, a commission is paid. All things considered, FSBO sellers don’t “save” the payment. Rather, they fight to win the commission by doing an agent’s work. In completing this task, they devote their money and time to conduct, as best they’re able to, the duties of an agent. Those duties include displaying the home through marketing, introducing the home to willing buyers, creating a sense of buyer urgency in order to trigger an offer, arranging home inspections, controlling qualification checks with the financial institution, supervising repairs, and facilitating the closing of the deal.

  54. I am curious to find out what blog system you are using? I’m experiencing some small security problems with my latest site and I’d like to find something more risk-free. Do you have any recommendations?

  55. I’m very happy to find this page. I need to to thank you for your time for this particularly fantastic read!! I definitely really liked every little bit of it and I have you bookmarked to look at new stuff in your site.

  56. I have seen lots of useful items on your site about computer systems. However, I’ve got the view that laptop computers are still more or less not powerful enough to be a good option if you generally do things that require a lot of power, such as video editing. But for website surfing, word processing, and quite a few other popular computer functions they are just fine, provided you can’t mind the little screen size. Thank you sharing your opinions.

  57. In accordance with my observation, after a foreclosures home is available at a sale, it is common for your borrower in order to still have a remaining unpaid debt on the financial loan. There are many financial institutions who seek to have all fees and liens paid off by the subsequent buyer. On the other hand, depending on certain programs, rules, and state legislation there may be quite a few loans that are not easily solved through the transfer of lending products. Therefore, the obligation still lies on the customer that has got his or her property in foreclosure process. Many thanks sharing your thinking on this weblog.

  58. Greetings, I do think your web site may be having browser compatibility problems. Whenever I look at your site in Safari, it looks fine however when opening in I.E., it’s got some overlapping issues. I just wanted to give you a quick heads up! Besides that, fantastic blog.

  59. Howdy, I do believe your web site might be having browser compatibility problems. When I look at your website in Safari, it looks fine however, if opening in Internet Explorer, it has some overlapping issues. I just wanted to give you a quick heads up! Besides that, great website!

  60. I’m amazed, I have to admit. Seldom do I encounter a blog that’s equally educative and engaging, and let me tell you, you have hit the nail on the head. The problem is something which too few folks are speaking intelligently about. I’m very happy I found this during my hunt for something relating to this.

  61. Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something. I think that you can do with some pics to drive the message home a bit, but other than that, this is fantastic blog. A fantastic read. I will certainly be back.

  62. The very next time I read a blog, I hope that it does not disappoint me just as much as this particular one. After all, Yes, it was my choice to read, nonetheless I genuinely thought you would probably have something interesting to say. All I hear is a bunch of whining about something that you could fix if you weren’t too busy searching for attention.

  63. I really love your site.. Excellent colors & theme. Did you develop this amazing site yourself? Please reply back as I’m planning to create my very own blog and would like to learn where you got this from or just what the theme is called. Cheers.

  64. I’m amazed, I must say. Rarely do I encounter a blog that’s both equally educative and interesting, and let me tell you, you have hit the nail on the head. The issue is something that not enough men and women are speaking intelligently about. I am very happy I stumbled across this during my search for something concerning this.

  65. Good day! I could have sworn I’ve visited this site before but after looking at a few of the posts I realized it’s new to me. Anyways, I’m certainly pleased I came across it and I’ll be bookmarking it and checking back often.

  66. Thanks for this excellent article. Yet another thing to mention is that many digital cameras arrive equipped with the zoom lens that allows more or less of the scene to generally be included through ‘zooming’ in and out. These kinds of changes in {focus|focusing|concentration|target|the a**** length will be reflected in the viewfinder and on big display screen right on the back of the specific camera.

  67. Having read this I thought it was rather enlightening. I appreciate you taking the time and effort to put this article together. I once again find myself personally spending a lot of time both reading and commenting. But so what, it was still worth it.

  68. Hello there! This blog post couldn’t be written any better! Looking through this article reminds me of my previous roommate! He always kept talking about this. I most certainly will forward this post to him. Fairly certain he’ll have a great read. Thank you for sharing!

  69. I believe that avoiding highly processed foods could be the first step in order to lose weight. They could taste excellent, but ready-made foods have very little vitamins and minerals, making you take in more in order to have enough strength to get through the day. When you are constantly consuming these foods, switching to whole grain products and other complex carbohydrates will let you have more electricity while ingesting less. Thanks alot : ) for your blog post.

  70. An impressive share! I’ve just forwarded this onto a co-worker who has been doing a little homework on this. And he actually bought me dinner because I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanks for spending some time to discuss this issue here on your web site.

  71. Howdy! I could have sworn I’ve visited this website before but after looking at some of the articles I realized it’s new to me. Regardless, I’m definitely pleased I found it and I’ll be bookmarking it and checking back regularly!

  72. Hi! This post couldn’t be written any better! Reading this post reminds me of my old room mate! He always kept chatting about this. I will forward this post to him. Fairly certain he will have a good read. Thanks for sharing!

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  75. Thanks for your article on the vacation industry. I’d personally also like to add that if you are one senior thinking about traveling, it’s absolutely crucial to buy traveling insurance for senior citizens. When traveling, older persons are at high risk of having a health-related emergency. Receiving the right insurance plan package to your age group can safeguard your health and provide you with peace of mind.

  76. I blog often and I genuinely thank you for your information. This article has really peaked my interest. I will take a note of your blog and keep checking for new information about once a week. I opted in for your RSS feed as well.

  77. Oh my goodness! Incredible article dude! Thanks, However I am encountering difficulties with your RSS. I don’t understand the reason why I am unable to join it. Is there anyone else having similar RSS problems? Anyone that knows the solution will you kindly respond? Thanks!!

  78. I’ve been browsing online greater than three hours lately, yet I never found any interesting article like yours. It?s pretty value enough for me. In my view, if all webmasters and bloggers made just right content as you probably did, the internet can be much more helpful than ever before.

  79. I have observed that over the course of developing a relationship with real estate entrepreneurs, you’ll be able to get them to understand that, in each and every real estate purchase, a commission amount is paid. Eventually, FSBO sellers will not “save” the commission. Rather, they fight to earn the commission simply by doing a agent’s task. In the process, they commit their money and also time to conduct, as best they might, the tasks of an realtor. Those responsibilities include uncovering the home by marketing, introducing the home to buyers, constructing a sense of buyer urgency in order to induce an offer, making arrangement for home inspections, taking on qualification inspections with the financial institution, supervising maintenance, and facilitating the closing.

  80. Hiya, I am really glad I’ve found this information. Today bloggers publish just about gossips and internet and this is really annoying. A good blog with interesting content, that is what I need. Thanks for keeping this website, I’ll be visiting it. Do you do newsletters? Cant find it.

  81. I really love your blog.. Excellent colors & theme. Did you build this amazing site yourself? Please reply back as I’m wanting to create my very own blog and would love to know where you got this from or just what the theme is called. Cheers.

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  85. Hmm is anyone else having problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feed-back would be greatly appreciated.

  86. An interesting discussion is price comment. I believe that you need to write extra on this matter, it may not be a taboo topic however usually persons are not sufficient to talk on such topics. To the next. Cheers

  87. It is appropriate time to make some plans for the future and it is time to be happy. I have read this post and if I could I wish to suggest you few interesting things or tips. Maybe you can write next articles referring to this article. I want to read more things about it!

  88. After checking out a few of the blog posts on your website, I truly appreciate your technique of writing a blog. I saved it to my bookmark website list and will be checking back in the near future. Please visit my web site as well and tell me what you think.

  89. What i don’t realize is actually how you are not actually much more well-liked than you might be now. You’re so intelligent. You realize therefore considerably relating to this subject, made me personally consider it from numerous varied angles. Its like men and women aren’t fascinated unless it?s one thing to accomplish with Lady gaga! Your own stuffs nice. Always maintain it up!

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  92. Thanks for making me to obtain new suggestions about pcs. I also hold the belief that one of the best ways to help keep your notebook computer in best condition has been a hard plastic-type case, or shell, that suits over the top of your computer. These kinds of protective gear are usually model precise since they are manufactured to fit perfectly over the natural outer shell. You can buy these directly from the vendor, or via third party places if they are intended for your mobile computer, however not all laptop can have a cover on the market. Once more, thanks for your ideas.

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  94. Wonderful blog! Do you have any tips for aspiring writers? I’m planning to start my own blog soon but I’m a little lost on everything. Would you advise starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m totally overwhelmed .. Any recommendations? Thanks a lot!

  95. One thing I’d prefer to say is that before obtaining more computer memory, take a look at the machine in which it would be installed. If the machine is definitely running Windows XP, for instance, the particular memory ceiling is 3.25GB. Putting in more than this would simply constitute any waste. Make sure one’s motherboard can handle the particular upgrade amount, as well. Interesting blog post.

  96. One thing I’d like to say is the fact that car insurance termination is a dreadful experience and if you are doing the best things as a driver you will not get one. Lots of people do receive the notice that they’ve been officially dropped by their own insurance company they then have to fight to get further insurance after a cancellation. Low-cost auto insurance rates are usually hard to get from cancellation. Knowing the main reasons pertaining to auto insurance termination can help people prevent sacrificing one of the most critical privileges readily available. Thanks for the strategies shared by your blog.

  97. Hello there, I do think your blog might be having browser compatibility problems. Whenever I take a look at your site in Safari, it looks fine however when opening in I.E., it has some overlapping issues. I merely wanted to give you a quick heads up! Aside from that, great site.

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