The Fair Housing Act

In United States the House passed The Fair Housing Act in 1968. The sole objective of The Fair Housing Act is to protect the home buyer’s and the renter’s rights from any discrimination by the seller or landlord. It also prohibits any sort of discrimination from the municipalities, mortgage lenders, banks or insurance companies whose discriminatory practices in any way inhibits a person’s right to housing facilities.

It also prohibits discrimination based on race or color, religion, sex, national origin, family status and disability. An individual can always file a case under this Act if he is denied the right to purchase or lease out property based on any of these factors. In addition to this even advertising that promotes inclination of any kind based on any of these factors can also be prosecuted under The Fair Housing Act.

Discrimination based on race and color

In most of the cases the buyers or renters are denied the right to housing due to fake declaration of unavailability of the same and they are directed towards other areas that are distinguished for that race or color. Although the law was passed in 1968 even then this has always been a major issue. In many cases it turns out that the victim is quite oblivious of the whole situation at that time and by the time he realizes it is quite late.

Discrimination based religion

The Fair Housing Act also prohibits discrimination against any member practicing a particular religion in a housing zone. Although the number of cases registered under this is fairly low as compared to cases registered under race or color and national origin. However this law does not restrict the use of non-commercial housing, operated by members of a particular religious community, for reserving housing for a member of that particular religion.

Discrimination based national origin

Any discrimination based on the national origin of a person has also been prohibited under the Fair Housing Act. The number of immigrants from all over the world is increasing every year and so does the housing need. Lots of cases come up where the seller or landlord deny or prefer person based on his national origin. Any discrimination of individuals based on his national origin by the seller, landlord or even mortgage lender can be prosecuted under this Act.

Discrimination based on sex

Women, mostly poor, with limited housing options are many times subjected to sexual harassment by the landlords wherein either they have to submit to the sexual favors of their landlords or vacate the house. Fair Housing Act also prohibits any discrimination based on sex of an individual. A woman also has the same housing rights that a man has.

Discrimination based on status of family

There are cases wherein families having children below 18 are denied any housing rights by the seller or the landlord. They deny saying that the family has more members than the house can accommodate comfortably. Most of the landlords like to lease out their property to working couples or families with grown up children. Such cases of discrimination or preference are also prohibited under The Fair Housing Act. But there are housing that is designated to the elderly or the seniors completely. Such housing is excluded from the list of prohibitions of the Act.

Discrimination based on disability

The Fair Housing Act protects the right to housing for all types of disability wherein the individual can be disabled due to blindness, hearing impairment, mobility impairment, HIV infected, drug addict, alcoholism, mentally retarded, head injury, mental illness. Any discrimination based on these factors can be subject to prosecution under this Act. Any person with disability also has the same rights as any other normal person. So why deny them the housing right.

Planning Online Courses – Do You Know Your Audience?

Who are you creating your courses for? Do you know your Audience?

In the film, Field of Dreams, the tag line was “If you build it, they will come” That might work with two teams of long dead baseball players, but unfortunately this is not a good strategy for online courses

You need to know who your audience are. The image you create of your ideal student is called an Avatar – nothing to do with that film either! This is a profile that you create based on what you know of the type of people who will be taking you course.

How do you find this out – is the next obvious question. Simple. Speak to them and ask them. My audience for my online courses about creating online courses is less demographically specific and does not have a gender bias.

On the whole these are people 15 to 50 who are entrepreneurial, creative, expert, smart. They can come from any part of the world – my courses reach 164 countries.

Start listening to your audience. Ask them questions. Create messaging dialogues. Organise Skype calls. Get under their skin.

Find out who they are.

I ask my students at the start of my courses to introduce themselves. This helps me to understand a little more about them and when they do leave a message in the course, it’s a great opportunity for me to ask them a question and keep the discussion going.

This information is very powerful.

When you talk with them or message with them start looking for key phrases of information about their struggles, motivations, goals, ambitions and objectives. These pieces of information are golden and will be particularly valuable when we come to discuss the next section – Problems.

Do not be afraid to niche your audience down.

By being very specific about your audience, you will resonate with them. If you keep your definition very broad, in order to capture a wide audience, you will resonate with no-one. When you start it is better to focus on one niche but as time goes on you can address multiple niches with your courses.

Try to create an outline written profile of your Avatar.

Even give them a name. Who are they married to or in a partnership with? Do they have children? Where do they live? What is their home like? What is their income? Do they have a car? The more you can fill out this profile, the more you can get to know them.

When you create your courses for them, it is much easier to feel that you are speaking directly to them, engaging with them. Although you are making courses for hundreds, if not thousands, of students, it is still a very personal method of transmitting knowledge. In the course there are only ever two people. You, the instructor, and the student and the more you can make your courses feel intimate and personal, the better will be the student experience.

This is one of the reasons I believe that Alun Hill is so successful. He works very hard to answer all the questions and discussions with his students and when you take his courses, you feel as if he is really talking directly to you. He does not lecture in the traditional sense of the word, he communicates the information you need to know in a very relaxed and no nonsense way that makes you feel that you know him as well as he seems to know you.

This is not an accident nor is it easy to do well. Many courses I have taken have seemed as if the instructor was delivering information to a disembodied spirit somewhere. Learn from this by really getting to know your audience and you will create better courses.

So, I strongly recommend that before you start creating your courses, you spend the time making sure that you know WHO you are creating them for!

The Beginner’s Tips for Making Successful Investment in a Commercial Property

Successful commercial property investment involves the eagerness of the investor in researching, building relationship with the experts as well as identifying the right kind of investment. This article will highlight on a few essential tips that are followed by the investors for proper investment in commercial house or apartment.

Buying a huge commercial property with multiple units is one of the important tips to be followed by the investors for achieving a successful investment deal and for generating maximum revenues out of it. If you buy a large number of units, it is expected that you will get a huge discount and you will have to invest a nominal amount of money.

Unlike residential buildings, the buying procedure of commercial property is time consuming. It is important to remember that the investors have to spend long period of time in order to buy, renovate as well as maintain it properly. It is not a bad thing, but you have to remember it so that you must not be impatient or you should take a wrong decision in terms of commercial property investment. You should always consider this type of deal as big investment and you should not consider it as an effective way to make money to pay your bill.

There is nothing wrong in investing in residential property for the sake of conducting commercial activities. Since this type of investors are able to handle residential properties easily, it is obvious that they would look out for these residential properties without taking into consideration different kinds of properties such as factories, hotels, departmental shops and so on. Your objective is to buy the right one that helps you to accomplish your target in terms of revenue generation.

You should not feel discouraged even if you are unable to sign up the first deal or even if you have to spend more time to handle the deal. When you start your search for this type of property, you will be surprised to find out the total number of days that you need to spend to get the right kind of deal.

The next step is to find out the right kind of commercial loan that is available in your hand. In case of this type of loan, the money that you have to spend as down payment is higher than that in case of a residential loan program. It is vital that you should find out a reliable money lender in your area that can help you to find out the right loan program to purchase it.

It is important that you always associate with the proficient seller who is able to reply your queries when you are in the process of assessing the right one. It is not wise to lose a deal or to buy a damaged building because you did not know certain regulations or you are unable to assess the true value of the property that you want to buy.