Immobilienfinanzierung Digital

Our last article included 11 Tips to help you get started with the Home Downsizing process. Whereas that article focused more upon how you can „Get Started“, this article takes you to the next step and provides you with 16 tips and strategies designed to „Keep You Moving Forward“ after you have started the Home Downsizing process.

• Know Values Before You Begin Dumping. „Do Not“, I repeat, „Do Not“, begin dumping anything before having someone look at it for potential value. All too often things that you perceive as having value turn out to be valueless, while things that you perceive to have little value end up having considerable worth.

• Have a Professional Help You With Values: Before tossing anything out you would be wise to hire someone who is knowledgeable in Personal Property values to provide you with valuations prior to beginning the dumping process. A Professional In-Home Personal Property Walk-Through Valuation is usually a good place to start for most individuals. A USPAP Appraisal will be more precise and detailed, but will cost significantly more because of the time involved in its preparation. The up-front cost of either should seem quite reasonable when compared to the potential loss if you throw the wrong things away.

• What You Paid Has No Bearing On Today’s Value: We’ll cover this concept in greater depth in a later article, but at this point you must understand that what you paid for something has absolutely no bearing…none…on what it will bring in today’s market.

• Start Early In The Process: Whatever you do, don’t wait until the last minute to get started. Start early, work in smaller blocks of time, and the job will go much easier.

• Start With A Small Room: Start by selecting a small room to begin with. Once that smaller room has been successfully completed, it will be easier to move on to a more complex room.

• Start With A Room That Has Less Sentimental Attachment: A bathroom, closet, or kitchen may be a good place to start. The most important thing is to start somewhere, and then build momentum towards larger projects.

• Start With Larger Objects: It’s often easier to start by eliminating larger items, such as furniture. The logic here is that you can begin to feel as if you are making progress after only making a few decisions.

• Start With A Portion Of The House That You Don’t Currently Use Much: A grown child’s empty bedroom is often a good place to start.

• Start With Personal Papers and Family Photographs: This won’t gain you that much space, but it can be fun, and is a logical step in starting the downsizing process.

• Work In Limited Blocks Of Time: The process can be very tiring and emotionally draining. Limit yourself to only a few hours at a time, at least in the beginning. Then, if you are feeling up to it, you can work in extended periods of time.

• Stick With A Specific Project Until Done: Once started, do your best to complete a specific project, especially smaller projects. For example, if your start cleaning out a closet, finish that project before moving on to another project. However, recognize that larger projects, such as a basement or attic, will most likely not be completed in a single session.

• Anticipate The Weather: Plan ahead, keeping the weather in mind. You don’t want to work in the attic on a scorching July day, and you don’t want to be working in the garage or outbuildings in sub-freezing weather. Use the weather to your advantage.

• Give Yourself Ample Lighting: Little will get done if you can’t see what you are doing. If the room you are working in isn’t bright enough, bring in some temporary lighting to brighten up the workspace.

• Give Yourself Ample Workspace: You can’t sort much into piles or sorting categories on a single, rickety folding card table. Try to provide yourself with one or more solid 3′ x 8′ folding tables. Today’s tables have light, plastic tops and are much easier to move by yourself than the heavy wooden tables of previous years.

• Use Heavy Duty Plastic Bags For Dumping: It doesn’t matter whether you buy them at the supermarket, home improvement store, or dollar store, be sure that you use heavy duty plastic bags for packing old clothes and linens, or dumping unwanted smalls into the weekly trash. Nothing is more frustrating than having a lighter-duty plastic bag break after you have spent considerable time packing it.

• Homes With More Space Can Sell Better: Selling off your Personal Property can make you even more money when you sell your current home. Clutter tends to make a house look small. By downsizing before you put your house on the market, you can make your house look even bigger than it really is, thereby increasing its salability. We know of one situation where the Real Estate agent felt that a house brought $30,000-$40,000 more than it would have brought had the home downsizing not occurred.

Immobilienmakler Heidelberg

Makler Heidelberg

Many who start a dollar store are looking for strategies to differentiate their store from the rest of the crowd while adding to their profits. They examine adding shelf pulls, closeouts, and even customer return merchandise to their merchandise product mix in their store. The plan is to pay much less for these items and then resell them as items you just don’t find in the typical dollar store. Their vision includes king size profits in return for their efforts. While there are some real positives associated with this strategy there are certainly some disadvantages to consider as well. In this article I will present 6 of the disadvantages to buying, sorting and reselling store return merchandise when you start a dollar store.

1) Customer returns are not the new merchandise you received when you first start a dollar store. This is likely a big change for your normal business model where all merchandise on display is new, and never before used. Really examine whether moving in this direction will work successfully in your store. Make sure this is something your shoppers will embrace as a means of receiving added value for their shopping dollar. Make sure the added costs associated with this merchandise don’t erode your profits.

2) All of the merchandise must be carefully sorted before being offered for sale. Customer return merchandise is often bulk packed with tens or even hundreds of different items mixed together. As a result you will need to sort the items first to locate matching or similar items and next to lump like-department items together for additional inspection.

3) All of the merchandise must be thoroughly inspected prior to being offered for sale. This is very different from your experience when you first start a dollar store. Where a quick once over looking for broken or damaged packaging is adequate for new items, these items will need individual, one-by-one examination. Often the examination will reveal a flaw of some type.

4) There will be ‚waste‘ in the merchandise you receive. It is almost a guarantee that there will be items with flaws, hard use, or other issues making them unsalable at almost any price. Orders with too many of these reject items can wreak havoc with your profits.

5) Most liquidation and closeout sellers offer these items for sale ‚as is, where is‘ so there are typically no guarantees of any kind. You own the merchandise you receive. While many suppliers of merchandise make returning or receiving credit for merchandise difficult, this is an absolute for these items.

6) In most cases these items will be available only for a limited time. In other cases there may be limited quantity available. In all cases while these items are generally well-priced and the amount of time available for you to order is short. It is important to remember since these items likely won’t be available in the future they are not a means of bringing shoppers back for follow-up purchases.

To your success when you start a dollar store!

Immobilienmakler Heidelberg

Makler Heidelberg

Sales are one of essential tools of business and commercial organizations to increase their revenues. It is principle activity involved in selling of products or services in return for money or some other compensation. There are diverse sales techniques used in this process. These are:

• Selling technique

• Consultative selling

• Sales enablement

• Solution selling

• Conceptual Selling

• Strategic Selling

• Transactional Selling

• Sales Negotiation

• Reverse Selling

• Paint-the-Picture

• The take away

A short sale in real estate can be said a procedure that takes place when outstanding obligation against a property becomes greater than what property can be sold for. Short sale is considered a way for homeowners to shun foreclosure on their homes. Through short sale, homeowners remain able to pay off their loan by setting with lender. Before starting a short sale, well-organized sales plan can be made to avoid unnecessary omissions and this plan can be made from any Sales Plan Template. However, some important tips are here to do your short sale:

• Before starting a short sale, you should verify value of your property. If you are going to put up for selling your property by involving real estate broker then he will give you approximation of market value but if you are selling your property yourself, you have to do your own analysis of area and your property.

• First you verify property value, add up all costs of selling property. If you are hiring services of real estate broker then it will be his responsibility to provide you with an estimate of closing costs. If you are selling your property on your own then calling a local title company or any real estate attorney to ask as a seller what closing costs will be is very beneficial for you.

• After it you should consider payable amount against chattels. This amount will be total of fall loans against property.

• „Do calculations“ part comes after determination of amount. Subtract total amount owing against property from estimated proceeds of sale.

• Talking somebody in customer service department to tell him condition will become a source of directing you to a supervisor or manager of specific department in order to help you to contact lenders.

• You should take proper guideline from lender that what are the procedures for a short sale.

• After following all above steps, lastly, it is the time to sell your property.

Hopefully, above described tips will useful enough to give you an idea to do your short sale in a beneficial way.

Immobilienmakler Heidelberg

Makler Heidelberg

You’ve decided, for any of a number of reasons, it’s time to sell your beloved home. Will you opt, to be your best friend, or worst enemy, based on the actions, you either choose to do, or avoid? In over a decade, as a Licensed Salesperson, in the State of New York, I have observed, how some homeowners, significantly help and assist their cause, while others, take actions, which often appear, at odds with, their best interests! This article will briefly examine, using the mnemonic approach, whether you are prepared for SELLING your home.

1. Strong points; system; staging: Will you be willing to objectively examine, your strong points/ assets, while admitting areas of weakness? Why would someone want to purchase the house? What is different/ better/ unique, about the home, which might help its marketing efforts? Will you commit to listening to, and adopting the system, your selected, professional, real estate agent, recommends, so you and your agent, proceed, on the same page? Will staging benefit the possibilities of selling the house, at the best possible price, in the shortest period of time, and with the least hassle?

2. Emphasis: Discuss your home, in detail, with your agent, and come to a meeting – of – the – minds, regarding the best place, to put the emphasis! How will you determine that, and how will you determine, what to emphasize?

3. Listen: You want your real estate agent to effectively listen to what you want, so doesn’t it make sense, for you to use effective listening, and maximize the potential, for effectively marketing your property?

4. Learn: Commit to learning from what your agent tells you, so you do what will be helpful, to successfully completing the sales process!

5. Impression; ideas: What will be the first impression, potential buyers might experience? How will you effectively distinguish your house from the competition? Will you listen to the professional ideas, offered by your agent?

6. Needs; nuances: Will you objectively consider, evaluate, and pay close attention to the needs, of marketing your house, effectively? Is there a specific niche, which might be the ideal market, and what nuances, might your agent’s marketing plan, include?

7. Get it done: Selling a home, in the real estate market, must be a proactive, well – considered activity, which considers how to best get it sold! How will you and your agent, get it done?

Don’t just say, you want to sell your home! Are you ready, willing and able to do what’s necessary, and, truly, prepared, for SELLING your house?

Immobilienmakler Heidelberg

Makler Heidelberg

Remember, first impressions count when selling real estate, which is why it is important to make your home stand out. There are several simple and basic things you can to do to sell your home.

Increase Curb Appeal

Landscaping can make a powerful impact to curb appeal. With spring on the way, there are several easy things you can do to make your home appealing from the outside.

1) Mow your yard with diagonal rows to make your yard appear larger.

2) Edge the lawn along driveways and sidewalks. This will show the buyer that you care and pay attention to detail.

3) Transplant tulips or other spring flowers near the walkway or anywhere in the front. Use bright colors, especially yellow because it stimulates happiness. Consider container plants also in groups of three to five and place near the entrance.

Home Staging

Stage your house as a home potential buyers can imagine themselves in. Remove extra furniture that clutters the space and arrange with maximum impact. This is a technique that model homes have been using successfully for many years.

When potential home buyers visit your home, remove all clutter and store out of sight (e.g. children toys from the family room, bills/mail/papers from the den, or make-up/products/appliances from the bathrooms).

Add a Fresh Coat of Paint

Another thing you can do is to paint your walls white (or a neutral color) if they are not already. A fresh coat of paint will make everything look cleaner and white walls let the potential home buyer imagine their own personal style in the home instead of yours. White walls also make every room feel bigger. Avoid dark colors which can discourage a buyer if they do not like the color and makes the room look smaller.

Pay Attention to Details

Remember to do the little things to make your house stand out. Details matter. Here are a few examples:

1) Wash the windows inside and out. Clean all the mirrors.

2) Set out fresh flowers with a clean and inviting smell.

3) Polish hard wood floors to shine and vacuum right before any showing.

4) Offer a shoe mat at the entrance and even an umbrella stand. This will encourage prospective buyers and agents to remove their shoes and help keep your floors looking great.

5) Fluff pillows and put out fresh towels in bright colors. Even consider replacing these items because they are inexpensive and can add interest to a room.

Immobilienmakler Heidelberg

Makler Heidelberg

Because of the challenges involved in today’s tough real estate market, more and more realtors are leaving the business. This exodus is causing an unprecedented opportunity for those realtors skilled at marketing to move forward in gaining large amounts of market share! The simplest way to focus your marketing efforts is to select a niche and focus on that group. Here are some niches that you may want to consider:

A Farm – This is the easiest niche for most agents to understand. A farm can be a subdivision, an area like waterfront homes on a certain street or even a county if it is small. Some great ways to start to become an expert in an area are to visit all the homes currently listed for sale in the neighborhood, visit all the FSBO’s who currently have their homes available, and offer to do open houses for agents who have current listings. Let the FSBO’s know when you are going to have your house open so you can coordinate with them to have theirs open also. Send postcards to the homeowners and also start a neighborhood newsletter giving sales information and relevant neighborhood info.

First Time Homebuyers – These are people who need the expertise and connections that a realtor can provide. To reach these buyers you can send postcards or walk apartment complexes, renters make great first time homebuyers! Offer to hold „lunch and learns“ to large area employers who have younger workforces that need to find housing solutions. You can partner with the affordable housing government agencies in your area, finding out the requirements for buyers to qualify. Offer to send them „hot“ listings that are in great shape and meet the pricing requirements of their programs. Make sure you preview and hold open all the houses in these price ranges that you can get your hands on so that you can know the ones that will be worth taking your clients to!

Luxury Home Buyers and Sellers – This one can feel like a farm but it is a little different. Targeting high end buyers and sellers will result in larger commissions AND larger expenses! Make sure your marketing materials are professionally designed to appeal to people in a top tier demographic. Target international buyers by displaying high end properties on your website and blog (if you do not have your own listings „borrow“ some from the other agents in your office after asking for permission). Make sure you list information about marinas, yacht clubs, tennis clubs, country clubs and golf courses on your website. If there are high end retail areas in your market list those shops and also any five star restaurants that may be nearby. Join the local country club and support the regional arts councils.

Baby Boomers – If you live in a warm climate this group is for you! Find out all the retirement and 55+ communities in your area and list them on your website or blog. Become familiar with the restrictions of the different communities (some allow pets, some don’t, some allow one person to be under 55, some require everyone to be over 62). Advertise in the senior magazines in your area, focusing on your expertise as a benefit to finding the perfect retirement home. Have a group of vendors that you can recommend if they need property management services while they go north for the summer or visit family for extended periods of time.

Those are just four of thousands of different niches you could choose! Whether you like boating or golfing, like working with buyers or sellers, love children or dogs, there is a niche for someone like you. Pick something today and focus on it with all your energy and you will be able to capture more of the market than you ever thought possible!

Immobilienmakler Heidelberg

Makler Heidelberg

If a landlord has a property to rent out, he has the option of looking for a tenant on his

own. Instead of exploring this option, he can seek professional help to find the right

tenant. It is advisable to hire a property agent though many landlords are tempted to

save brokerage fees. The consequences of not having a property agent are disastrous

as the landlord ends up with a tenant who proves to be a source of trouble. Hire a

property agent who is an expert in the rental business segment to avoid regrets later.

Best price

Since a real estate agent has the latest updates regarding ongoing rates in various

localities, he is able to provide a tenant who pays the highest rent for the property.

Saving in Cost

A real estate agent can place advertisements on behalf of the landlord at zero cost.

He uses his superior marketing services and network to generate leads. But a

landlord has to spend his money on releasing advertisements in the papers to find a

tenant.

Client base

A real estate agent already has several clients looking for a good rental option and

this saves time and resources. His database is useful.

Undue advantage

A real estate agent handles negotiation with the tenant and ensures the terms and

conditions set by the landlord are not modified by the tenant. When a property agent

is involved, a tenant cannot take any advantage or put forth clauses.

Multiple responsibilities

A real estate agent bears all the responsibilities related to the rental

process. Advertising, showing of the property, tenant screening, preparing the

lease document, and collecting funds are his key duties.

Background check

A property agent digs up the past of a tenant – the relationship he shared with his

previous landlord. He is able to know whether the tenant behaved well with his

earlier landlord, paid rent on time, and maintained the property well or not. Getting

the right tenant is the prime reason why you need to hire a property agent. Seek a

tenant who cares for the property and maintains cordial ties with neighbours.

Employment history

A real estate agent can seek employment details and visit his office to verify facts.

He can speak to his employer and colleagues to know the kind of job he has – full-

time, consultant or contractual. His salary figure gives an idea of his capacity to pay

the monthly rent. Stability and tenure of the job are important considerations.

Transferable clients

Many landlords prefer tenants with transferable jobs as the property gets vacated

after a couple of years. A property agent has a long list of clients with transferable

jobs. Even if they do not get high rent, they are happy because they do not have to

go for litigation to get the property vacated.

Support system

Many aged landlords living on their own need tenants who become their support

system. They want to have a family that takes care of them, do many errands for

them. Their definition of a right tenant includes a person or a family they can

approach during emergencies. Some landlords want to have tenants who take full

care of the property since they live far or abroad. A good, educated, cultured family

is what they need.

Restrictions

Many landlords prefer a family instead of letting it out to bachelors who cause a lot of

trouble. The marital status of a tenant becomes the key consideration. A landlord

can specify what he needs to avoid and what he prefers. Once he defines his

expectations, a property agent can filter out the options and conduct a focused

search.

Real estate agents possess information and technology that landlords do not have.

They lower the risk, negotiate well and ensure quick completion of the transaction.

Immobilienmakler Heidelberg

Makler Heidelberg

With the country’s declining real estate market, a home seller can easily sell a house if they lower the price. But for others who can’t afford to lower their asking price, it is best to find other ways to make their home more attractive.

Real estate agents are familiar with the trends in the industry. They are also very knowledgeable about selling homes and choosing the right homes. For this reason, we have come up with a list of house selling tips from successful real estate agents.

Make The House Stand Out From The Competition

It is very important for the property to attract potential buyers. Home sellers should consider custom designs or adding a few design touches, such as improving the landscape, or updating the roof and windows. These simple touches can have significant impact in improving the home’s aesthetics. It is important to avoid over-improving the house. For instance, renovating the bathroom and kitchen may not always pay.

Clean The Clutter

Before listing the property in the market, it is crucial to first clean the clutter from the home. Clutter will turn off potential buyers because they cannot picture themselves living in the house. As a tip, consider removing a few unnecessary furniture pieces to make the space look bigger. You should also keep family pictures and other personal items into storage so that potential buyers can imagine themselves staying in the house.

Staging the house is very important. You may want to hire a professional for the job. This may cost additional expense but it will be worth it. Real estate agents believe that a professional stager can make the home more attractive and salable.

The Price Is Right

No matter how you stage your house or how much space you renovated, it is very important to price the property appropriately. An agent can help you determine the right price for your property. You can also hire a property appraiser for the job. It doesn’t matter whether you are offering the lowest price in the neighborhood, especially if your home is very appealing and if you have made significant improvements to your home. It is important, however, that the listing price will not be so far-fetched with the other comparable homes in the market.

Selling a house in a slow real estate market will require patience and perseverance. Make sure that the house is in good condition and hire a credible agent to help you sell the house faster. Following these tips will help increase your chances of getting a good deal for your property.

Immobilienmakler Heidelberg

Makler Heidelberg

There are times that businesses face difficulties with their finances resulting in bad credit. A bad credit history restricts your chances of approval for equipment finance regardless if the equipment will help improve business profits.

Traditional lending institutions like banks may deny you the loan you need. But there are specialized loan companies who can look beyond your bad credit. These lending institutions can give you a second chance at availing the equipment you need to grow your business by offering poor credit equipment finance.

Bad Credit Equipment Finance for Growing Businesses

Equipment Financing is short-term loans (about 3-5 years) extended to businesses specifically to purchase the equipment needed for its operations. Equipment financing is a collateral loan which means that the equipment you purchased could be repossessed in case payments go into default. Since the loan is released with a collateral, lending companies view it as low risk and may offer a lower rate of interest compared to a standard loan.

To qualify for an equipment loan, one must have a credit score of at least 600, been in business for at least 11 months, and generate around $100,000 in revenue. If you have a bad credit but meet the other two requirements, there is still a chance for you to avail of a finance. It really depends on the lender’s assessment of your financial situation.

Equipment financing is an alternative for start-up and small businesses for growth and development especially for those who don’t have enough capital to fund their purchase. And if you have a poor to bad credit score, being granted an equipment financing gives you the chance to improve your credit score.

How to improve your chances of approval for equipment financing despite bad credit

You can increase your chances of an approval for equipment finance. By making ways to improve your credit standing and strengthen your application to lenders, there is a fair chance that loan companies will consider your loan application. Below are ways to strengthen your application.

1. Apply with a cosigner with good credit standing. Lenders can consider your application if you are applying with someone who has a better credit standing. The cosigner can provide security for the loan considering that the consignor has equal obligations as the borrower.

2. Present other assets for collateral. If you have other assets such as other types of equipment or even real estate property, you can offer it as a collateral. It strengthens your application to secure the loan.

3. Bigger down payments. Do you have enough cash to put as down payment to significantly lower your total loan amount? If you are able to present bigger down payments, lenders may consider you a candidate for poor credit equipment finance.

4. Proof to show business is growing strong. Provide documents like bank statements showing a good revenue for the past months. Lenders like to see a growing steady business, therefore, it is essential to provide income statements and other documents to support your claim.

5. Seek professional help. With bad credit, lenders will give you a hard time acquiring a loan. They may even deny the loan immediately after checking your credit score. But with proper assistance from loan experts, you can increase your chance of getting the right lender who can look beyond your bad credit.

Immobilienmakler Heidelberg

Makler Heidelberg

Best Road Trips for Adventure: Explore the edges of the map on these remote roads.

Classic American road trip destinations, Death Valley and The Pacific Coast Highway both have names promising adventure. Death Valley and the ghost towns, narrow canyons and open deserts around it are like an invitation for tough guys and people looking to escape society’s bars, while the Pacific Coast Highway promises the clear beauty of American beauty oceanside – dramatic cliff-faces, beaches, secluded coves, mountainous forests, and protected wildlife.

Best Road Trips for Luxury: Wind in your hair freedom in style.

These road trips are made for honeymoons. Best case scenario the car is something sleek, open topped and Italian. The clear seas, bright villages and stone churches of the Amalfi Coast between Positano, Sorrento, Ravello and Amalfi, are well stocked with small boutique hotels, hidden coves and intimate cafe terraces on which to watch the sun go down, and make for the classic eloper’s dream. A trip along the French Riviera between Nice and Monte Carlo reeks of playboy chic, especially if you happen to win money in any of the casinos lining the route. For lovers by title, the Romantic Road from Heidelberg Castle to Neuschwanstein Castle, runs along the old trade route between medieval towns and fairytale castles.

The Karakoram Highway follows the route of the old silk road up to one of the world’s highest altitude passes amongst some of the world’s highest scenery round K2, Nanga Parbat and Gasherbrums I-IV. The Carretera Austral or Southern Highway runs on a largely unpaved odyssey through Patagonia, stopping at remote towns along the way.

Journeying between Marrakech and Essaouira via the Atlas Mountains is going a bit out of your way, but the trip south, through spectacular desert scenery, amongst the snow capped sky scrapers of the Atlas Mountains and along ridges over lush, hidden valleys will take you to the edge of the Sahara, as well as into the Atlases before the coast lays out in front of you at Essaouira.

Best Road Trips for Sightseeing: Drive by some of the world’s best sights.

For scenic days packed with distractions and attractions and evenings spent in comfortable B&Bs, a trip along Ireland’s Antrim Coast Road, past the Mourne Mountains, Carrickfergus Castle, Bushmills, Dunluce Castle, the Giant’s Causeway and the Glens of Antrim, or on America’s Blue Ridge Parkway, though the Great Smoky Mountains, are great family road trips.

Finland’s 1000 Lakes Trip is an eight or nine day Scandinavian family classic. Ex Helsinki it weaves around the beautiful lake country, between the 187,000 lakes, with overnight stops in cozy country towns. The Reykjavik to Akureyri Route by Geysir, the Reykjanes Peninsula and the Snæfellsnes Peninsula is another excellent choice for sightseeing and you can do it in a day, taking snaps along the way or go slow and admire the sites.

Hawaii’s Hana Highway, from Pa’ia to Hana, is a much shorter trip, but with plenty to see, from bamboo and eucalyptus groves by waterfalls to panoramic views of the Pacific Ocean that you’ll remember for the rest of your life, while the Overseas Highway from Miami to Key West, which runs for 113 miles over 43 long, flat, straight ocean bridges, is the road trip equivalent of island hopping.

Best Road Trips for History: Retracing historic routes.

Follow in the unpaved footsteps of Che Guevara between Santa Cruz and Vallegrande, as he travelled though Bolivia and was finally laid to rest, or trace the Viking’s first inroads into Canada on the Viking Trail. Past the Norse landing site at L’Anse aux Meadows, and though the Gros Morne National Park, for the rock art and remains there, this trip also passes between pretty coastal towns most of which have a local Viking museum in which to house the local relics.

Route 66 is the classic road trip route into American folklore, following the old commercial route between rural villages. From the fields of Illinois, Kansas and Oklahoma, to the deserts of Texas and New Mexico to the coastline of California, this road is also referred to as Main Street USA.

Immobilienmakler Heidelberg

Makler Heidelberg