Home Real Estate Archives - Home Real Estate

July 20, 2026September 27, 2026

The Silent Conversion Leak: Why Real Estate Teams Lose 40% of Qualified Leads Before the First Call

In the real estate sector, customer acquisition costs are at an all-time high. Brokerages and investment firms spend thousands of dollars each month on digital advertising, paid search campaigns, targeted social media ads, and localized direct mail. These marketing efforts are designed to drive high-intent buyers and sellers into the pipeline. Yet, a massive portion of this investment vanishes due to a structural weakness in front-line execution: response latency.

Studies across high-ticket sales industries consistently reveal that contacting a prospect within five minutes of an inquiry increases conversion rates by nearly 400% compared to a thirty-minute delay. In real estate, where prospective clients typically reach out to multiple agents simultaneously, speed to lead is the single greatest predictor of closed deals. The first professional to engage the buyer or seller almost always wins the business.

Despite knowing this reality, real estate teams routinely fail to respond promptly. The delay is rarely caused by laziness; rather, it stems from an operational design flaw that forces local agents to juggle active field work with real-time lead management.

The Root Causes of Response Latency

To understand why qualified prospects slip through the cracks, business leaders must look at the daily reality of a practicing agent. Agents spend hours each day in face-to-face meetings, conducting property walkthroughs, attending closings, negotiating contracts, and driving between locations. During these high-value activities, their attention must be fully devoted to the client in front of them.

When an inbound lead arrives while an agent is mid-walkthrough or in a negotiation, one of two negative scenarios occurs:

The Immediate Interruption: The agent steps away or answers the phone mid-meeting, delivering a fragmented, unprofessional experience to their existing client while attempting to qualify a prospective one without access to their systems.
The Delayed Follow-Up: The agent waits until their current obligation finishes-often two to four hours later-before checking their inbox or CRM. By the time they make the call, the prospective client has already spoken with a competing firm, set an appointment, and moved on.

Relying on field agents to perform real-time lead triage guarantees that inbound inquiries will be missed or delayed. The human capacity to handle complex in-person negotiations and instantaneous digital triage simultaneously simply does not exist.

Fixing the Pipeline Breakdown with Dedicated Operations

Solving the lead conversion leak requires separating the function of initial prospect triage from high-touch client advisory. Top-producing brokerages and investment teams build dedicated back-office layers whose sole responsibility is monitoring incoming communication channels and securing appointments instantly.

When an inbound inquiry registers, a trained operational specialist immediately initiates contact, conducts preliminary screening, updates CRM records, and schedules a qualified meeting directly onto a local agent’s calendar. By the time the field agent finishes their property walkthrough, the prospect is already vetted, organized in the system, and scheduled for a formal consultation.

Building this level of operational responsiveness internally with local staff often introduces high fixed payroll expenses. To scale this triage layer efficiently, forward-thinking operators delegate incoming lead monitoring, CRM hygiene, and initial prospect qualification to a specialized Real Estate Virtual Assistant. This approach gives the team round-the-clock coverage without the burden of local office overhead or full-time benefit packages.

What Effective Lead Triage Looks Like in Practice

Delegating initial prospect contact does not mean sacrificing communication quality. When properly integrated into a brokerage’s workflow, a dedicated triage system executes a precise, standardized process:

Sub-Five Minute Response: The moment a lead form is submitted, a specialist reaches out via phone, text, or email using pre-approved scripts tailored to the firm’s brand voice.
Intent & Timeline Screening: The specialist verifies key details—such as financing status, property criteria, desired timeline, and whether the buyer or seller is currently bound to another agency.
Database Enrichment: Every interaction is logged directly into the CRM, ensuring that contact information, notes, and tags are accurately updated without requiring the field agent to manually enter data.
Automated Handoff: Once a prospect meets qualification thresholds, an appointment is placed on the local agent’s schedule, accompanied by a concise brief summarizing the prospect’s needs.

By removing the administrative burden of initial outreach from local agents, brokerages dramatically increase their speed-to-lead metrics while allowing sales staff to focus exclusively on income-producing conversations.

Securing Revenue Through Operational Discipline

Plugging the conversion leak in a real estate business does not require spending more money on lead generation. For most firms, the volume of inbound inquiries is already sufficient to hit growth targets; the breakdown occurs in the transition from inquiry to initial consultation.

By establishing a dedicated operational framework designed for rapid engagement and consistent CRM management, real estate leaders protect their marketing investments, prevent competitor displacement, and build a predictable engine for long-term deal flow.

September 6, 2025

How to Prepare to Buy a Home: Lessons I Learned the Hard Way

Buying a home sounds exciting, right? And it is. But if I’m being brutally honest, the preparation stage nearly broke me. I thought it was just about saving money and picking a cute little house with a white fence. Oh boy, was I wrong. There are credit scores to wrangle, budgets to tighten, and emotions that will make you feel like you’re on a roller coaster that doesn’t end.

If you’re here, you’re probably wondering: “What exactly should I do before buying a home?” I’ve been through it, messed up a bunch of times, and came out on the other side. So let me share my own journey with you—the good, the bad, and the “wish I’d known that sooner” moments.

Step 1: Get Real With Your Finances

The first big wake-up call I had was when I sat down to see if I could actually afford a house. Spoiler: I couldn’t, not at first. I had been casually browsing Zillow at night, falling in love with kitchens that had marble countertops and backyards big enough for a dog I didn’t even own yet.

But when I ran the numbers, reality hit hard. I had credit card debt, a student loan still hanging over me, and only a tiny savings account that could barely cover an emergency. That’s when I realized the preparation part is really about financial honesty.

Here’s what I did (and what I recommend):

Check your credit score. I logged into a free credit monitoring app and almost spit out my coffee. My score was… let’s just say “not lender-friendly.” If your score is under 680, most traditional lenders will raise their eyebrows.
Track every expense. For one month, I wrote down everything I spent money on. Every latte, every late-night snack run, even that impulse Amazon purchase. It was ugly, but it helped me see where my money was actually going.
Cut the fluff. I didn’t stop living, but I did cut down on the random subscriptions I wasn’t using. Bye-bye, streaming service number four.

It’s humbling, but you need this step. A lender will tear through your financials anyway, so you might as well beat them to it.

Step 2: Build Your Emergency Fund First

Here’s something I didn’t do soon enough: create an emergency fund. I thought, “Once I buy a house, I’ll just start saving for emergencies.” Wrong move.

Within the first three months of homeownership, the water heater died. That repair cost me $1,200. If I hadn’t had a small cushion in savings, I would’ve been charging it to a credit card at 20{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} interest. That’s not the vibe.

My advice? Before even thinking about a down payment, save at least three to six months of expenses in a separate savings account. Think of it as your safety net. Life doesn’t stop throwing curveballs just because you’ve got new house keys.

Step 3: Save Aggressively (But Realistically) for a Down Payment

Saving for a down payment was the hardest part for me. It felt like climbing a mountain where the peak kept moving farther away.

At first, I told myself I’d save 20{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b}. That’s the magic number to avoid private mortgage insurance (PMI), right? But in my market, 20{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} of the homes I liked was basically the price of a small car. So I adjusted.

Here’s what I did:

Automated savings. I set up a separate savings account just for my down payment and made automatic transfers each payday. I pretended the money didn’t exist.
Side hustles. I started freelancing on weekends and put every extra dollar straight into the house fund. Honestly, watching that account grow gave me a weird rush.
Be flexible with the percentage. I ended up putting down 10{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b}. Yes, I pay PMI, but it allowed me to get into a home sooner without draining my entire savings.

The lesson? Don’t let the “perfect” 20{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} goal paralyze you. Work with what’s realistic in your situation.

Step 4: Understand Your Debt-to-Income Ratio (DTI)

Nobody told me about this until a lender brought it up. Your debt-to-income ratio is basically how much debt you have compared to how much money you make each month. Lenders use it to decide if you can handle a mortgage.

I’ll be honest: mine was bad at first. Between student loans and a car payment, my ratio was way too high. So I made some tough calls. I paid off my car loan aggressively, even though I loved that car. Sacrificing it gave me breathing room in my DTI, and that’s what finally made me look attractive to lenders.

If you want to prepare properly, figure out your DTI early. The lower it is, the better.

Step 5: Get Pre-Approved (Not Just Pre-Qualified)

Here’s a mistake I made: I bragged to friends that I was “pre-qualified.” Thought I was hot stuff. But pre-qualification is just a quick guess based on your stated income—it doesn’t mean much when you start shopping seriously.

Pre-approval, on the other hand, is gold. That’s when a lender actually verifies your documents, checks your credit, and tells you exactly how much they’ll lend. When I finally got pre-approved, it made the home search feel more real. Plus, sellers took me more seriously.

Pro tip: shop around for pre-approvals with multiple lenders. Different lenders have different rates, and even a 0.5{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} difference can save you thousands over the life of a loan.

Step 6: Make a “Hidden Costs” Budget

This was the biggest shocker for me: the down payment isn’t the only big expense. There are closing costs (about 2–5{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} of the purchase price), moving costs, inspection fees, and random things like buying a lawnmower because suddenly you have grass to take care of.

When I bought my house, I forgot to budget for furniture. I moved in with one couch, a mattress on the floor, and a folding table I used as a dining setup for months. Not exactly Instagram-worthy.

So if I could go back, I’d create a “hidden costs” budget. Even just setting aside a few thousand dollars for those expenses makes the process smoother.

Step 7: Research the Market (Like a Detective)

When I first started looking at houses, I had no idea what was a good deal and what was overpriced. I just went by “Oh, that kitchen looks nice.” Rookie mistake.

The turning point was when I started tracking the housing market like it was my favorite TV show. I followed listing prices, noticed which homes sold quickly, and compared similar properties across neighborhoods. Over time, I could spot when a house was a bargain or when it was a trap.

If you’re preparing to buy, spend a few months stalking listings in your area. Get a feel for price per square foot, average days on market, and which neighborhoods are hot. Knowledge is power here.

Step 8: Don’t Forget Lifestyle Fit

This might sound silly, but one of the biggest mistakes I almost made was focusing too much on the house and not enough on the lifestyle around it. I once fell in love with a place that had the perfect kitchen, only to realize it was a 90-minute commute to work. Nope.

Ask yourself:

How close is it to work or school?
What’s traffic like during rush hour?
Are there grocery stores, parks, or coffee shops nearby?
Do you actually like the neighborhood vibe?

Buying a house isn’t just about the property. It’s about how it fits your day-to-day life.

Step 9: Be Patient (But Ready to Act Fast)

Here’s the contradiction: you need patience, but also speed. When I first started, I wanted to rush into the first home that felt “good enough.” Later, when I learned more, I dragged my feet too long and lost out on a great place.

What I eventually realized is you need to be patient with the process—don’t settle for a house that doesn’t work—but when the right one shows up, you’ve got to move quickly. That’s where preparation (pre-approval, savings, research) pays off.

Step 10: Don’t Go It Alone

I tried to be a lone wolf at first, thinking I could handle it all. Big mistake. Having a good real estate agent changed everything for me. They helped me spot red flags during tours, guided me through paperwork I didn’t understand, and even negotiated the price down by $8,000.

If you’re serious about buying, find an agent you trust. Ask friends for referrals, read reviews, and don’t be afraid to interview a couple before choosing.

Final Thoughts: Preparing Is the Hard Part, But It Pays Off

Looking back, preparing to buy a home was harder than actually signing the papers. It took me almost two years from the moment I decided to buy to the day I got the keys. But that prep work saved me from making mistakes that could’ve cost me tens of thousands.

So if you’re in the early stages, don’t get discouraged. Focus on your finances, build your savings, and take it step by step. There will be setbacks—I had plenty—but every bit of effort makes the final moment of walking into your new home that much sweeter.

FAQs About Preparing to Buy a Home

How long should I prepare before buying a house?
It depends on your finances. Some people need a few months to get ready, while others (like me) needed a couple of years. On average, give yourself at least 12 months.
Do I really need 20{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} down?
Not necessarily. While 20{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} helps you avoid PMI, many buyers put down 5–10{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} and still get good deals. It’s about balancing affordability with financial safety.
What credit score do I need to buy a home?
Most conventional loans require at least 620, but the higher your score, the better your rate. Aim for 680+ if you can.
Should I pay off debt before buying a home?
Yes, especially high-interest debt. Lowering your DTI makes you more attractive to lenders and gives you more breathing room in your budget.
What are closing costs?
Closing costs are the fees you pay when finalizing the mortgage. They include things like appraisal, title insurance, and attorney fees. Expect 2–5{45687b7885f6557df4184be3813454351b733c46be998c94c60e3a9972569c9b} of the home’s purchase price.
Is buying a fixer-upper a good idea for first-time buyers?
It can be, but only if you’re handy or have the budget to hire contractors. A fixer-upper might look like a bargain, but hidden repairs can drain your wallet fast.
Should I buy a house or keep renting?
If your finances aren’t stable or you’re unsure about staying in the same city for at least 5 years, renting might be smarter. Buying makes sense when you’re financially ready and see yourself staying put.

July 18, 2024July 18, 2024

Innovative Research Projects by PAFI: The Indonesian Pharmacists Association

Introduction

The Indonesian Pharmacists Association, commonly known as PAFI, is a pivotal organization in Indonesia’s healthcare landscape. PAFI not only represents the interests of pharmacists but also drives significant advancements in pharmacy practice through its innovative research projects. This blog post delves into some of the most groundbreaking research initiatives spearheaded by PAFI, highlighting their impact on the pharmacy field and public health in Indonesia.

The Importance of Research in Pharmacy

Research in pharmacy plays a pivotal role in the advancement of healthcare and the improvement of patient outcomes. It is the backbone of pharmaceutical innovation, ensuring that new medications and therapies are safe, effective, and accessible. Here are several key reasons why research is essential in the field of pharmacy:

1. Development of New Drugs and Therapies

Pharmaceutical research is crucial for the discovery and development of new drugs and treatments. This process involves identifying potential new compounds, conducting rigorous testing, and ultimately bringing effective medications to market. Through research, scientists can develop innovative therapies that address unmet medical needs, offering new hope to patients suffering from various diseases.

2. Ensuring Drug Safety and Efficacy

Research is vital for ensuring that medications are both safe and effective. Before any drug can be approved for public use, it must undergo extensive testing in clinical trials. These trials are designed to assess the drug’s efficacy, identify potential side effects, and determine the appropriate dosage. Ongoing research also monitors the long-term safety and effectiveness of drugs once they are on the market, ensuring that they continue to benefit patients without causing harm.

3. Improving Public Health

Pharmaceutical research has a significant impact on public health. By developing vaccines, treatments, and preventive measures, research helps to control and eradicate diseases, improving the health and wellbeing of entire populations. Public health research also focuses on understanding health trends, identifying risk factors, and developing strategies to address health disparities. This knowledge is crucial for creating effective public health policies and interventions.

4. Enhancing Existing Treatments

Research is not only about creating new drugs but also about improving existing treatments. This includes finding ways to enhance the effectiveness of current medications, reducing their side effects, and making them more affordable and accessible. Continuous research efforts can lead to better therapeutic outcomes and improved quality of life for patients.

5. Informing Healthcare Policy and Practice

The findings from pharmaceutical research inform healthcare policy and practice. Evidence-based research provides the foundation for clinical guidelines, treatment protocols, and health policies. This ensures that healthcare providers are equipped with the latest knowledge and tools to deliver high-quality care. Policymakers also rely on research to make informed decisions about healthcare funding, regulation, and public health initiatives.

6. Advancing Scientific Knowledge

Every research project contributes to the broader body of scientific knowledge. By exploring new areas of pharmaceutical science, researchers uncover insights that can lead to breakthroughs in other fields of medicine. This cumulative knowledge drives the overall progress of medical science, leading to new innovations and improvements in healthcare.

7. Economic Benefits

Pharmaceutical research also has significant economic benefits. The development of new drugs and therapies can lead to the creation of high-paying jobs, boost the pharmaceutical industry, and reduce healthcare costs by providing more effective treatments. Additionally, successful research projects can attract funding and investment, further driving economic growth.

In summary, research in pharmacy is essential for the continuous advancement of medical science, the improvement of patient care, and the enhancement of public health. Organizations like the Indonesian Pharmacists Association (PAFI) play a crucial role in supporting and conducting research that leads to meaningful innovations and better health outcomes for all. For detailed guidelines and updates, refer to the official PAFI website on pafikebumenkota.org.

Key Research Areas

PAFI (Indonesian Pharmacists Association) is at the forefront of pharmaceutical research, driving progress across several key areas. These areas encompass drug development, public health initiatives, and pharmacoeconomics, each contributing to the enhancement of pharmacy practice and public health. Here are the primary research areas PAFI focuses on:

1. Drug Development and Safety

PAFI’s commitment to drug development and safety involves the discovery and evaluation of new pharmaceutical compounds. This research area focuses on finding new treatments for diseases, improving the efficacy of existing medications, and ensuring their safety for public use.

Highlighted Project: Antimalarial Drug Research

PAFI has been instrumental in advancing antimalarial drug research. This project involves collaboration with local and international research institutions to discover new antimalarial agents and enhance the effectiveness of current treatments. Given the prevalence of malaria in certain regions of Indonesia, this research is crucial in combating the disease and saving lives.

2. Public Health Initiatives

Public health research is another cornerstone of PAFI’s efforts. These initiatives aim to improve community health through preventive measures, health education, and improved access to essential medications. PAFI’s projects in this area address some of the most pressing health challenges facing Indonesian communities.

Highlighted Project: Vaccination Outreach Program

One of PAFI’s notable public health projects is the Vaccination Outreach Program. This initiative seeks to increase vaccination rates in remote and underserved areas. The research conducted under this program evaluates different outreach strategies, identifies barriers to vaccination, and aims to boost immunization rates, ultimately improving public health outcomes.

3. Pharmacoeconomics

Pharmacoeconomics is the study of the economic implications of pharmaceutical products and treatments. PAFI’s research in this area focuses on analyzing the cost-effectiveness of various medications and therapies, helping to optimize healthcare resources and ensure that patients receive the most effective treatments at the best possible value.

Highlighted Project: Cost-Effectiveness of Chronic Disease Management

A significant project in this area is PAFI’s study on the cost-effectiveness of chronic disease management programs. This research examines various management strategies for chronic diseases such as diabetes and hypertension. By identifying the most efficient approaches, PAFI aims to improve patient outcomes while reducing healthcare costs.

Additional Research Focus Areas

4. Community Pharmacy Practice

PAFI also invests in research aimed at enhancing community pharmacy practice. This includes studying the roles and responsibilities of community pharmacists, developing best practices for patient care, and exploring new service models that can be implemented in community pharmacies.

Highlighted Project: Community Pharmacist Intervention Study

A key project in this area is the Community Pharmacist Intervention Study, which investigates the impact of pharmacist-led interventions on patient health outcomes. This research highlights the vital role community pharmacists play in patient education, medication management, and overall healthcare delivery.

5. Traditional and Herbal Medicines

Indonesia has a rich heritage of traditional and herbal medicine. PAFI’s research in this area aims to integrate traditional practices with modern pharmaceutical science. This includes studying the efficacy and safety of herbal remedies and their potential role in contemporary healthcare.

Highlighted Project: Herbal Medicine Efficacy Study

This project focuses on scientifically evaluating the therapeutic benefits of commonly used herbal medicines in Indonesia. By combining traditional knowledge with rigorous scientific research, PAFI aims to validate and potentially incorporate effective herbal treatments into mainstream healthcare.

6. Pharmacy Education and Training

PAFI is dedicated to advancing pharmacy education and training through research. This involves developing innovative educational programs, assessing the effectiveness of training methods, and ensuring that pharmacists are well-prepared to meet the evolving demands of healthcare.

Highlighted Project: Pharmacy Curriculum Enhancement Program

PAFI’s Pharmacy Curriculum Enhancement Program seeks to update and improve the pharmacy education curriculum in Indonesia. This project involves researching current educational practices, identifying gaps, and implementing changes to ensure that pharmacy graduates are equipped with the latest knowledge and skills.

7. Regulatory and Policy Research

Research in regulatory and policy areas is crucial for shaping the future of pharmacy practice. PAFI conducts studies to inform policy decisions, advocate for beneficial regulations, and ensure that the pharmaceutical sector operates within a framework that promotes safety, efficacy, and accessibility.

Highlighted Project: Policy Impact Analysis

The Policy Impact Analysis project examines the effects of existing and proposed regulations on pharmacy practice and public health. This research provides valuable insights for policymakers, helping to create a regulatory environment that supports the advancement of pharmaceutical care.

Collaboration and Funding

PAFI’s research projects are often collaborative efforts involving partnerships with universities, healthcare institutions, and international organizations. These collaborations bring together diverse expertise and resources, enhancing the quality and impact of the research. Funding for these projects comes from various sources, including government grants, private sector contributions, and international funding bodies.

The Impact of PAFI’s Research

The Indonesian Pharmacists Association (PAFI) has made substantial contributions to the field of pharmacy and public health through its innovative research projects. The impact of these efforts is far-reaching, affecting various aspects of healthcare, policy, and community well-being. Here are some of the key impacts of PAFI’s research:

1. Enhancing Patient Care

PAFI’s research has led to the development of new treatments and improved therapies, directly enhancing patient care. By focusing on drug safety and efficacy, PAFI ensures that patients have access to effective medications that improve their health outcomes. Research projects targeting chronic diseases, infectious diseases, and preventive healthcare measures have significantly benefitted patients across Indonesia.

Example: Improved Malaria Treatments

Through its antimalarial drug research, PAFI has contributed to the development of more effective treatments for malaria. This has had a profound impact in regions where malaria is prevalent, reducing morbidity and mortality rates and improving the quality of life for affected populations.

2. Advancing Public Health

PAFI’s public health research initiatives have played a critical role in improving the overall health of communities. By addressing key public health challenges and implementing effective strategies, PAFI has contributed to better health outcomes on a larger scale.

Example: Increased Vaccination Rates

The Vaccination Outreach Program is a testament to PAFI’s commitment to public health. By researching and implementing strategies to increase vaccination rates in underserved areas, PAFI has helped protect communities from preventable diseases, thereby enhancing public health and safety.

3. Informing Healthcare Policy

The findings from PAFI’s research projects provide valuable insights that inform healthcare policy and regulatory decisions. Evidence-based research supports the development of policies that promote safe, effective, and accessible healthcare services.

Example: Cost-Effectiveness Studies

PAFI’s research on the cost-effectiveness of chronic disease management programs has provided policymakers with crucial data. This information helps in allocating healthcare resources more efficiently and implementing policies that maximize the benefits of healthcare spending.

4. Strengthening the Pharmaceutical Sector

PAFI’s research contributes to the growth and development of the pharmaceutical sector in Indonesia. By advancing scientific knowledge and fostering innovation, PAFI helps create a robust pharmaceutical industry capable of meeting the healthcare needs of the population.

Example: Collaboration with Industry

PAFI’s collaborative research projects with pharmaceutical companies and academic institutions have led to the development of new drugs and therapies. These collaborations not only drive innovation but also strengthen the capabilities of the pharmaceutical sector in Indonesia.

5. Empowering Healthcare Professionals

Through its research initiatives, PAFI provides valuable resources and knowledge to healthcare professionals. This empowers pharmacists and other healthcare providers to deliver better care, stay updated with the latest advancements, and adopt best practices in their work.

Example: Educational Programs

PAFI’s research on pharmacy education and training has resulted in the development of enhanced educational programs. These programs ensure that pharmacy graduates are well-prepared to meet the challenges of modern healthcare, leading to improved professional competence and patient care.

6. Promoting Community Engagement

PAFI’s research projects often involve community participation and engagement. By involving local communities in research initiatives, PAFI fosters a sense of ownership and encourages active involvement in health-related activities.

Example: Community Health Education

PAFI’s public health initiatives include community health education programs that raise awareness about important health issues. These programs empower individuals with knowledge, enabling them to make informed decisions about their health and contribute to community well-being.

7. Supporting Sustainable Development

PAFI’s research aligns with broader goals of sustainable development by addressing health disparities, promoting equitable access to healthcare, and improving overall health outcomes. These efforts contribute to the sustainable development of the healthcare system and society at large.

Example: Access to Essential Medicines

PAFI’s research on improving access to essential medicines supports sustainable healthcare by ensuring that vital medications are available to those in need. This aligns with global efforts to achieve universal health coverage and promote health equity.

Conclusion

PAFI’s commitment to innovative research projects underscores its pivotal role in advancing pharmacy practice and public health in Indonesia. Through its diverse and impactful research initiatives, PAFI continues to lead the way in improving healthcare outcomes and ensuring the well-being of the Indonesian population. As PAFI moves forward, its research efforts will undoubtedly continue to shape the future of pharmacy in Indonesia and beyond.

April 20, 2023

CA-based ‘tech enabled’ real estate fund owns more than 200 homes in Rochester

ROCHESTER, N.Y. (WROC) — On Monday, April 10, firefighters were called to a home in the overnight hours at 26 Burbank Street. It was the second time the home caught fire in less than a month and with fire officials deeming it to be arson. The building is owned by an LLC called SFR3-60 and according to city records, it has 12 code violations currently listed. To top it off, the city’s housing attorney Mike Fulano says he cannot get in touch with anyone with the company.

“We have the long-term concern of companies coming in, engaging in de-investment and leaving the city with a husk of a property. We have the short-term problem of these, when there’s an immediate issue and an emergency, that we have no body to contact – the occupants have nobody to contact, the neighbors don’t have anybody to contact whenever something goes wrong with these properties. There’s no accountability,” says Furlano.

Furlano adds, SFR3 has been on the city’s radar since came on board with Corporation Counsel in September. Based on his understanding, and the company’s website, it is California-based real estate fund which creates varying LLCs to purchase property portfolios.

This is why 26 Burbank Street’s owner is listed as ‘SFR3-60’ — there are other LLCs with similar names, such as SFR3-20, SFR3-80, and so on.

“So in Rochester, there’s 8 different LLCs that own a bunch of property in Rochester. Now our concern, at least with this property [sic, group] – why it’s on our radar is a lot of them have double-digit violations. So 41 of these properties have double digit violations, 17 have more than 20 violations, 25 of these are vacant. 115 of them have open cases with us which means there’s at least one violation known, or no Certificate of Occupancy that we’re aware of.”

I’ve tried to reach out to the group several times over the past but have yet to receive a response.

According to Furlano, SFR3 as the parent company owns hundreds of homes in our area, all purchased within the last two years.

“My understanding is it’s within all their subsidiary LLC’s…over 200 properties….that’s my understanding, yes,” Furlano says.

“They’re distributed throughout Rochester but more so in the areas where property values are lower, a lot of high rental areas. You see there’s a lot of Beechwood here, MarketView Heights, down in the 19th ward as well, Furlano adds, while referencing a map with dozens of pinpoints indicating each property owned by SFR3.

Whether the city will take SFR3 to court is unclear, but the city will have to consider several factors.

“While we can’t comment on cases that we are going to bring — once we bring them, then we can talk about them — so we can’t comment on cases that we are considering, unfortunately,” says Furlano.

There is no cap for the number of properties an individual, group, or otherwise can own; if you are a responsible owner, you can own as much property as you’d like. Current city code states for each code violation on a property, it’s $500 per violation, per day. The City also hired additional code enforcement officers last fall along with a code enforcement trainer. According to the city, each inspector has an average of around 300 cases, or properties, they take on.

April 14, 2023

Clarence Thomas Sold House To GOP Donor Harlan Crow, Report Says

Topline

Supreme Court Justice Clarence Thomas sold real estate to Republican donor Harlan Crow and did not disclose the sales, ProPublica reported Thursday, shedding more light on their relationship after Thomas was criticized last week for accepting luxury travel from Crow.

Supreme Court Justice Clarence Thomas allegedly failed to disclose a real estate transaction in 2014.

Getty Images

Key Facts

In 2014, real estate developer Crow bought a single-story home and two vacant lots in Savannah, Georgia, from an entity registered to Thomas, Thomas’ mother and the family of Thomas’ late brother, according to public records obtained by ProPublica.

The $133,363 transaction marks the first known instance of payments between Crow and Thomas, a week after ProPublica first reported the Supreme Court Justice had traveled on Crow’s yacht and jet without disclosing it.

Thomas reportedly never disclosed his sale of the Savannah properties, which some experts described to ProPublica as a possible violation of a federal law that requires justices to disclose most real estate sales over $1,000.

The disclosure form Thomas filed for that year had a space to report the identity of any buyers in private transactions, but that space is left blank.

Thomas’ mother continued to live in the house under Crow’s ownership, and the property underwent major renovations after the sale, including the addition of a carport and roof repairs, ProPublica reported.

In a statement to the publication, Crow said he purchased the house to preserve it with the intention of eventually making it into a public museum about Thomas’ life.

Forbes has reached out to the Supreme Court of the United States.

Key Background

ProPublica reported last week Thomas and his wife Ginni had accepted luxury travel from Crow, including sailing internationally on Crow’s yacht, flying in Crow’s private jet and vacationing at Crow’s private resort in the Adirondacks. Thomas said he didn’t disclose the trips with Crow and his wife Kathy—whom he described as “dear friends”—because he was advised that he does not need to declare “personal hospitality,” though ethics experts interviewed by ProPublica note that gifts of transportation are normally reported. Crow is the chairperson and former CEO of Crow Holdings, and is the son of Fred Crow, who founded Dallas-based real estate development giant Trammell Crow Co. Crow has also been a major supporter of the Republican party (Thomas was appointed by Republican George H. W. Bush), and was the largest donor to the Republican Party of Texas PAC during the 2022 midterm election, according to OpenSecrets data. Crow has donated more than $10 million in publicly disclosed political contributions, along with giving to groups that keep contributors’ identities secret, according to ProPublica.

Crucial Quote

“Early in my tenure at the Court, I sought guidance from my colleagues and others in the judiciary, and was advised that this sort of personal hospitality from close personal friends, who did not have business before the Court, was not reportable,” Thomas said of his relationship with Crow in a statement following ProPublica’s report. “I have endeavored to follow that counsel throughout my tenure, and have always sought to comply with the disclosure guidelines.”

What To Watch For

The Senate Judiciary Committee on Monday announced plans to hold a hearing about “the need to restore confidence in the Supreme Court’s ethical standards” in the coming days. The nine Supreme Court justices are the only federal judges not bound by the Code of Conduct for U.S. Judges, but the report about Thomas’ luxury travel has renewed calls for stricter ethics codes in the Supreme Court. Following the report, Rep. Alexandria Ocasio-Cortez told CNN Thomas should be impeached, while other Democrat Reps. Ilhan Omar and Judy Chu tweeted their support of stronger ethical standards. Before the revelations about Thomas were published, fifteen Democrats had signed a letter in late March outlining a code of ethics for justices to adopt.

Tangent

Thomas’ wife, Ginni, has also been the subject of controversy because of her alleged connection with the January 6 riots following the 2020 presidential election results. The Washington Post reported she sent two sets of emails to 29 Republican state lawmakers in Arizona urging them to overturn President Joe Biden’s win in their state. Ginni Thomas has stressed her work is separate from her husband’s, telling The Free Beacon, “we do not discuss cases until opinions are public—and even then, our discussions have always been very general and limited to public information.”

10 Interview Questions To Ask When Hiring A Realtor

Shopping for or offering a property is a single of the most economically major transactions of most people’s lives. And using this action amid the sophisticated, evolving true estate market we are at the moment dealing with is no little make a difference.

A good authentic estate agent helps make the procedure considerably less overwhelming. But choosing an agent to operate with can be hard — and there are a lot more Realtors now than ever ahead of. As of March 2023, the Nationwide Association of Realtors (NAR) experienced a lot more than 1.5 million members.

With so a lot of gurus vying for your organization, how do you figure out which agent will be the most effective in good shape for you? It’s a fantastic concept to interview multiple candidates — three at a bare minimum — before building a determination about who you’ll do the job with. In this article are 10 interview questions to inquire a Real estate agent that can enable you uncover the ideal match for your needs.

How to interview a Realtor in 10 queries

No matter if you’re getting a house or marketing one, there is some normal info that you are going to want to know about every candidate you’re thinking of.

All brokers

These three questions will assist you come to a decision regardless of whether an agent has the expert know-how, neighborhood sector expertise and conversation capabilities you’ll want in a spouse on your genuine estate journey.

1. How extensive have you been in business enterprise, and what is your sales volume?

“When you’re putting what is most possible your premier expenditure in the fingers of a specialist, it is essential to realize their level of encounter in the market,” claims Jen Horner, a actual estate agent with Masters Utah True Estate in Salt Lake Metropolis, Utah. “You’re seeking for signs that the Real estate agent is aware the market place properly and will protect you and your income all over the transaction.”

As component of this dilemma, talk to for product sales knowledge to back up the candidate’s new transactions, and talk to them to explain the developments they’re looking at in the marketplace. These could consist of this kind of facts as provide and demand, the selection of times properties are remaining on sector and what contractual phrases are successful promotions from both of those a buyer and vendor standpoint, states Horner.

2. How will you converse with me, and how normally?

It is important for you and your agent to be on the identical webpage from the start off with regards to the variety and frequency of their updates. For case in point, if you want talking on the cellular phone, you likely will not be satisfied with a person who communicates completely by using text.

“Whether purchasing or promoting, you want to come to feel their level of respect and determination to you as a shopper from the moment you indicator with them,” suggests Horner. “You want them to recognize your anticipations and the mode of interaction you want, so that this is not staying determined on the fly.”

3. Are you a comprehensive-time or aspect-time agent?

As with a lot of kinds of careers, some agents operate in genuine estate as their whole-time occupation, and some are aspect-timers. “I would always advise operating with a complete-time agent whose sole focus and awareness is on genuine estate, sector conditions and developments — all of which are fluid dynamics that can shift weekly,” claims Katie Severance, a Realtor with Douglas Elliman in Palm Beach, Florida. A professional who thinks about authentic estate 100 {0cd64a0a8f98edc6e1a333a4649a39f4fde229418ea626ab6b5ac18b9de2691d} of the time can better help you have an understanding of items like whether it’s the correct time to acquire and how much dwelling you can manage in your place.

Offering a residence

Most sellers want an agent who will be able to get them the ideal price tag for their assets. Here are three inquiries for smart sellers to talk to as they interview.

4. What rate would you suggest if I ended up in a hurry to offer, and if timing have been not an difficulty?

It is essential to have an understanding of how a great deal your household is well worth just before getting into into the current market. “Asking this question exhibits you what an formidable pricing approach may possibly be vs . a tighter, additional effective pricing system,” claims Steven Gottlieb, an agent at Coldwell Banker in New York Metropolis. “It will also demonstrate you if the agent is able of significant wondering and navigating a challenging sector.”

A lot of brokers quotation prospective sellers unrealistic asking rates in buy to get the listing, Gottlieb states. Requesting much more than a person asking value helps make it more challenging to fudge the quantities. You ought to also check with agents to display you the actual estate comps and demonstrate how they arrived at the proposed offering prices for every single situation, he suggests.

5. What is your advertising recreation program?

“A thoughtful advertising and marketing recreation prepare that’s documented for overview is ideal,” suggests Horner. “Agents must offer a timeline for your sale primarily based on the latest marketplace and a thorough outline of the advertising and marketing marketing campaign crafted for your household.”

That program really should spell out regardless of whether the agent will offer this sort of services as expert photography, videography and flyers. “Are staging solutions an offering they provide? Discuss open houses and non-public showings — will suggestions be shared?” suggests Horner. She also suggests asking about how they would sector your house digitally. “What on the internet existence are they providing? Site, on the net syndication, social media publicity?”

6. How will my dwelling be introduced to other Realtors?

“This is critical,” claims Severance. “Not only do agents need to have advance warning that your property will be coming on the marketplace, but they also have to have to see it in individual — usually in a non-public, Realtors-only open house — so that they can effectively express enthusiasm for it to their purchasers. If they like the house and the price tag, they will provide prospective buyers in.”

Shopping for a dwelling

Just as there are thoughts precise to seller’s brokers, there are also issues consumers really should be positive to request. Homebuyers have it specially tricky in a seller’s market, which lots of places are however in the throes of. These 4 concerns will aid you use a person who can find you the ideal property at the proper value.

7. How will you existing my presents to sellers?

“Ask to see an illustration of their present packet or format,” states Severance. “This is hugely critical. You are not very likely to meet up with the vendor in individual, so all they will know of you is what is on paper when your offer is offered.”

The agent should put a skilled go over letter on your offer you offer that introduces you and presents a persuasive summary of your offer factors, when also conveying why you are a desirable purchaser, she says.

8. How would you assist me navigate a opportunity bidding war?

Bidding wars are not as popular as they once had been, but they do nonetheless happen, particularly in very well-known markets. “Discuss with the agent how they will suggest you and regulate the approach if you get included in a bidding war,” suggests Severance. “How aggressive need to you be in your rate and terms? What does a very competitive provide look like — without going also much?”

9. What is your availability for having out to showings promptly?

With demand significant and inventory reduced, it’s important to work with a Realtor who is ready to transfer fast. “Part of the battle is acquiring into residences that strike the sector immediately so that you can vie for an present,” suggests Horner. “You’re looking for a Realtor who can prioritize your showings.”

10. How a lot of attributes ought to I see just before I make an give on just one?

“This will tell you a lot about the agent’s approach,” suggests Severance. Although transferring swiftly is critical, “buying a property should really never be rushed,” she states. “It is imperative to see at least a number of houses prior to making your initial offer. Sometimes a purchaser sees the best household on the to start with day, but which is the exception — and how would you even know it’s fantastic if you haven’t viewed several houses in the spot?”

Future measures

When you are completely ready to commence your research for a trusted agent, start out by inquiring close friends, spouse and children and other people in your community for suggestions. You’ll also want to check out the on the web presence of Realtors you are thinking of doing the job with. Evaluate their site and social media accounts. Although you are at it, try out to keep track of down evaluations on the internet from previous clients. You can also ask for the agent provide references.

Recall, purchasing or providing a property is a person of the greatest fiscal transactions most men and women at any time make. Possessing a professional at your aspect who you can simply perform with, and who has a keep track of document of giving excellent company, can make your existence a lot easier and your true estate journey extra thriving.

FAQs

It’s a great concept to interview a least of a few candidates, ideally from various brokerages. Believe of it like interviewing a job candidate — you are on the lookout for the individual who’s finest suited for the work, and the task is guiding you to a thriving genuine estate transaction.
That is dependent. In most conditions, a actual estate agent will have to have that you indication an exclusivity clause specifying that you will operate with only them for a selected period of time and in a distinct geographic space. That operates to your benefit as well as to theirs — the more they get the job done with you and get to know what you want, the improved their chances of leading you to it. But if you are shopping in two different geographic parts, or purchasing in a single space and offering in yet another, hiring much more than one particular agent may possibly be a requirement.
All authentic estate agents are certified specialists, but certainly, some specialize in supporting either potential buyers or sellers. A buyer’s agent signifies a homebuyer in a actual estate transaction, encouraging customers lookup for and acquire a home that satisfies their needs and fits their price range. A seller’s agent (or listing agent) focuses on aiding a homeowner to list a residence for sale and near a worthwhile deal. In some situations, the similar agent signifies each the customer and the vendor in a transaction — this is known as dual agency.