Wednesday, August 22, 2007

Mortgage Fraud Is Prime

Amid a jump in the number of foreclosures, federal and state prosecutors have stepped up efforts to crack down on mortgage fraud.

The scrutiny by prosecutors comes as the housing industry undergoes a shakeout, further exposing fraud schemes said to be as rampant as ever.

Federal prosecutors in a number of jurisdictions -- including Houston, Los Angeles, Phoenix and New York -- have indicted dozens of mortgage-industry professionals in recent months for their roles in a variety of alleged scams that were operating as recently as June.

Fraud Alert

On the Case: Federal and state prosecutors have beefed up their investigations into mortgage fraud.
A New Wrinkle: The jump in foreclosure rates has sparked an increase in what are known as "foreclosure rescue" scams.
State Action: At least one state has banned the foreclosure rescue practice.

Under Scrutiny: 1,200 Cases

The Federal Bureau of Investigation has stepped up probes into mortgage fraud with 1,200 cases under investigation compared with 436 in 2003 and 818 in 2006. The increased scrutiny stems in part from a flood of leads from banks: The FBI received more than 35,000 mortgage-fraud reports totaling almost $1 billion in losses last year, up from nearly 7,000 reports totaling $225 million in losses in 2003.

Federal prosecutors obtained 204 mortgage-fraud convictions last year, generating $388 million in restitutions and $231 million in fines. An FBI report in May said "mortgage fraud is pervasive and growing." Many of the schemes have been around for some time but continue to crop up, despite increased awareness and scrutiny by lenders, regulators and borrowers.

"We're getting new cases faster than we can close out old ones," FBI spokesman Stephen Kodak said.

The increase in foreclosures was "providing criminals with the opportunity to defraud vulnerable homeowners," the FBI report said. State prosecutors, meanwhile, are targeting an area of mortgage fraud known as "foreclosure rescue."

There are different variations of foreclosure rescue, but in general the scheme works like this: Rescue companies target homeowners facing foreclosure with what is termed as a temporary refinancing or sale. The homeowner gets to remain in the home and make monthly payments until they get back on their feet. But the new payments are often more than the mortgage was, forcing the resident deeper into debt. Often they move out or get evicted, and the new owner sells the home and pockets the equity.

The jump in foreclosures is helping to fuel the rescue scheme. Foreclosure filings were up 55% in the first six months of this year compared with the year-earlier period -- and on track to top two million homes for the year, according to RealtyTrac Inc., an Irvine, Calif., company that compiles foreclosure data.

'New Wave of Fraud'

The number of homeowners who enter into foreclosure rescue deals is unknown, but the National Consumer Law Center, an advocacy group for low-income residents, called the scheme a "new wave of fraud" affecting "thousands upon thousands" of homeowners.

This month, a Maryland man became the first in that state to be criminally prosecuted for a foreclosure-rescue scam. In June, Massachusetts became the first state to temporarily ban the rescue practice after a 70% spike in foreclosures. Several states have passed measures in recent years designed to regulate foreclosure-rescue operators.

State prosecutors in Illinois, Massachusetts, Ohio and Washington have filed civil suits against foreclosure-rescue companies in recent months. Idaho Attorney General Lawrence Wasden warned residents in June to be wary of foreclosure rescue deals. "Many of these schemes are designed to fail so that consumers lose their homes to the so-called rescue company," he said.

Ohio Attorney General Marc Dann called the rescue scams "contemptible." After filing civil lawsuits against six rescue companies this month, Mr. Dann said: "I can think of little that is more shameful or sleazy than attempting to profit from the misery and fear of [homeowners] who face foreclosure and are willing to do anything -- to grab on to any ray of hope -- that may enable them to keep their homes."

Massachusetts Attorney General Martha Coakley sued 19 individuals, including three attorneys, in March for their alleged roles in a foreclosure rescue ring. The suit, filed in state Superior Court in Boston, alleges fraud, conspiracy and deceptive practices were used against several homeowners, including Steven Thomas, a church pastor, who bought a home in December 2004 for $235,000 and borrowed $47,000 the same day for repairs.

Less than a year later, he was behind on his mortgage and facing foreclosure. According to the attorney general's lawsuit, Leo Desire, a broker at Primary Mortgage Resource Inc., of Brockton, Mass., offered to refinance the home and requested a $1,500 deposit. However, Mr. Desire later said refinancing wasn't an option, according to the suit, and suggested selling the home to a "trust" that would enable Mr. Thomas to remain in the home, then buy it back in six months.

Mr. Thomas couldn't be reached to comment. According to court documents, he sold the home for $335,000 in January 2006, but never received almost $43,000 owed to him after fees and expenses were paid. The home was never placed in a trust, and went back into foreclosure after the new owner failed to make the mortgage payments, according to the suit.

Mr. Desire says the allegations in the suit have been taken "out of context." He denies any wrongdoing and is fighting the suit.

Tuesday, August 21, 2007

Luxury of Rich Property Owners

Despite millions of Indians still living in grinding poverty, the economy is growing at 8%, and the ranks of the well-off and just plain loaded are ballooning. Some 80,000 Indians today have liquid assets greater than 5 Crores, up from 70,000 two years ago, American Express Co. AXP estimates, and their numbers are increasing by 13% a year. It says, in 2009 there will be 1 million individuals with 50 Lakh+ in assets, a huge sum - up from around 700,000 today.

A lot of this is new money, not legacy Indian wealth. Upcoming sectors such as software services, telecommunications, finance, and real estate are minting new millionaires every day. And the Bombay Stock Exchange has more than doubled in the past two years, handing many investors tremendous capital gains.

The first place the new moneyed class typically shows off its cash is with a big house or luxury apartment. While demand for homes over 3,000 square feet - palatial by Indian standards - was once confined to Mumbai and Delhi, more and more Indians in smaller cities want big houses, according to real estate consulting firm Cushman & Wakefield Inc. In September, Ambience Builders & Developers plunked down 540 Crores for a 60 Acres Lot in Hyderabad, with plans to turn it into high-end homes. And each of India's large cities boasts 400 to 500 houses listed at 5 Crores+, estimates real estate agency Knight Frank.

Monday, August 20, 2007

Cellit Mobile Marketing Service



In these days you know very well mobile marketing is very popular & relating to this many companies carryon their business in that, but unfortunately only few of them are good & trustworthy so in that list of few I find really a good company you say in other words they are the most reliable company in mobile marketing called CELLIT MOBILE. In more clear terms I would define it, Cellit Mobile Marketing is a mobile marketing service for large and small businesses. Cellit helps business owners discover the power of mobile marketing to promote their business or products/services. Cellit’s services include House4Cell, their text-for-info real estate service, and CouponZap, their mobile campaign service system. House4Cell works by allowing real estate agents to send offers to homebuyers via SMS, and the interested home-buyer can then text a 1-word code that they’re given to a specific phone number and receive up to two pages of information on that home. This service can greatly assist people who wish to sell their home, because it expands their options to the mobile market. House4Cell’s key features are as follows:

  • Property Photos allow for the sending of photos along with information about the home to the interested home-buyer’s cell phone, provided the cell phone supports this feature.
  • Click-to-Call allows home-buyers with specific phones to simply click the link given with the information to instantly get in touch with a real estate agent.
  • Fax and E-Mail Brochures allows home-buyers who need more information on the house to request brochures via fax or e-mail.
  • Property Mapping allows for a detailed mapping of the house that can be easily accessed via a mobile phone.
  • Follow-Up “Blast” Alerts allow customers to send follow-up text messages to the dedicated home-buyers.

CouponZap expands the mobile marketing opportunities to whatever a customer can dream up. CouponZap can allow users to create advertisements, or mobile coupons, that others can access when they use their mobile Internet, or receive SMS messages. CouponZap’s key features are as follows:

  • Text-to-Vote allows you to create polls that others can vote in by sending a text message to a specific number.
  • Text-to-Win allows you to create mobile contests and competitions that you can monitor and control.
  • Text-for-Info lets people send you a text message to receive more information about your products or services.
  • Alerts allow people to receive special updates about your upcoming products, special discounts, etc.
  • Customized Appointment Reminders let you send special reminders to customers about upcoming appointments.
  • Coupons allow you to create coupons that are accessible to customers to allow them to get special deals and offers on your products or services.

If you want to expand your business with the help of today’s technology you definitely go withCellit’s Mobile Marketing Service and giving boost to their business in some different manner through mobile market.

Sunday, August 19, 2007

Real Estate Property Scams being Unraveled Slowly!

Getting carried away with glistering ads, billiboards, campaigns, brochures and promises of developers, marketers, brokers and builders (or the smart guys, call them as you like) - many small investors are already losing millions along with the "Housing Dream".

Several times, SEBI and Legal Systems in our country warned investors taken for a ride by real estate companies that made false promises. Only lands or plots already owned and not projected investments should be included in their offers to public. And this is not the first and prominent case, there are many other such messages and real-facts being ignored by those who want quick bucks - be it an large or small investor or the brokers, builders and developers. We have gathered a few such incidents (many others may be in the cook, do comment here, if you know anything related!):

Delhi NCR Region - The Most Vulnerable: A reputed builder known more for its interests in non-property business faces an FIR by Haryana Planning Department for allegedly doing illegal pre-launch bookings in Rewari township in NCR.

Another FIR against a Delhi builder for indulging in illegal pre-launching of plots through brokers for a colony carved out in the controlled areas of Manesar. One more Delhi based builder is under investigation for collecting money for pre-launch of a Golf Homes project.

A small developer under the name of pre-launching a residential project in Indirapuram collects about Rs 3 crore and vanishes overnight leaving dozens of retail investors high and dry.

Leading Delhi based property developer is rapped by Haryana government’s Town & Country Planning Department for making a false claim through an advertisement about setting up a housing project near Chandigarh. Following this, a broker through newspaper ads solicited pre-launch bookings in this project for which no permission or license was reportedly granted to the company by the authorities, reported TV18.

Jaipur Development Authority had issued caution notice in city’s newspapers warning people against investing in few residential projects of well-known Delhi developers in the city who were allegedly engaged in bookings for these projects.

Recently Star News has reported a Rs. 800 Crores Real Estate Scam in Gurgaon Property Market, affecting housing dreams of many. It said some reputed Developers are involved in it. A simiar event was reported by Aaj Tak involving Senior Police Officials in Mumbai a week back.

Recently The Hindu has reported a scam in Pondicherry. Those cheated include engineers and doctors; the plot owner selling plots, which were not demarcated at the time of selling, to different people. The layouts were also not approved by the Pondicherry Planning Department at the time of sale.

The Tribune has unvelied an alleged property dealer and government official nexus to sell prime land acquired by the Chandigarh Administration. Prime residential and commercial land was reportedly acquired by the Chandigarh Administration in 1990. However, a few years after the acquisition, certain unscrupulous property dealers started selling plots on the general power of attorney (GPA) allegedly in collusion with revenue officials of the administration, sources said. A CBI probe is being sought here.

The entire business of new bookings and property pre-launches revolves around the chain formed by the builder, big investors and brokers. The investor comes first in the chain of command who is approached by the developer. He invests in the project, normally on the promise of about 40% appreciation in property price at the time of the launch. Some big brokers are also involved in underwriting the project. Keeping in view the dimension of the entire business, some big investors have even formed joint ventures with developers on revenue sharing basis for such projects.

These incidents mentioned above are not isolated ones as several properties and land/plots are being sold without proper layout and the approval of the authorities in many cities in India. Taking advantage of the boom time hype, some dealers and builders are adopting newer methods to cheat buyers. As always, small investors should be on alert - simple, do not look for quick money and ignore the hype. It's all about demand-supply - if small investors starts rethinking, there is no boom, no hype, no scams, only business-as-usual.

Real Estate Mobile Technology








You are a real estate agen? You Are Looking for an advantage in the real estate market? House4Cell is a powerful service that enables realtors to take advantage of mobile technology to market real estate properties. You know how hard it is to keep up with your competitors, especially in a buyers market like now. You need every advantage to set you apart from the others in your region, so use of Sms or text messaging in this business as an act of providing a facility to their customer is a revolutionizing new concept. If you are wondering how it works, it’s extremely simple and easy to use, let’s say you put up a property for sale. Someone drives up the next day and likes what they see. They have a closer look at the “For Sale” sign and see a code. They call the number and enter the code on the sign and instantly get all the property information they need, including up to three photos! So many of them are in thinking what about this company profile or what is its base? So “I say to you ya good question” my answer was… House4Cell was created by real estate professionals with over 30 years experience in the marketplace. Their company Cellit Mobile Marketing was formed initially to create House4Cell, and has since branched out into other industries as well. The fact that they are real estate professionals isn’t the only thing that separates House4Cell from any other real estate text messaging solution. They are the service of their kind that reaches out to Verizon phones! The best thing about House4Cell is its ability to track and store your lead information, as well as keep in contact with your prospects. You can keep your prospects up to date with price drops or even other properties that open up in the area they are interested in. Anybody that has a cell phone will be able to get instant information on your property sent directly to them, even if they have Verizon phones! This is a really great system, and can save a lot of time! Its amazing what sort of technology can be thought up to save people time and money. Their website includes much more information about buying this sort of technology for your house, and includes some images. You can visit their website at the following address…
http://www.house4cell.com

Saturday, August 18, 2007

Free Calorie Counter - MyFitnessPal.com







Now in today’s world we all busy in our daily life. Taking care of our needs and making every possible effort to make our life better and improve standard of living. But in attempt of doing that we forget few things that need to be given more attention so relating to this I find an website who take care of you & your health MyFitnesspal.com is a site which comes on the ground to provide better health & tension free life to the people who live under various problems like obesity, diabetes and many more problems which are very common now these days due to lack of proper diet. Many people take these think very lightly and after they realize that they are in a big problem, so take this problem as a serious matter of consent MyFitnesspal.com give a facility to its visitors to check its what they are eating what is its nutritional rate, so they provide calorie counter this counter is very easy to use anyone can check its calorie burning rate in some clicks everyday. Through this calorie counting you can improve the nutritional rate of your diet and decide & analyze what you are eating, which is good for your health & which is bad respectively. And in last I’ll say one thing more you all will think that this site is not free they charge for its service, no that’s not true this site is 100% free to its visitors and also its free calorie counter is completely free to its customer.

Commercial Mall and Multiplex Syndrome - Helping Each Other!

Initially we saw emergence of cinema multiplexes in Indian Metros and now this growth is spreading to Tier 2 and 3 cities like Lucknow, Indore, Nasik, Aurangabad, Kanpur, Amritsar and so on. Top players in this sector are PVR Cinemas, Adlabs Films (where Anil Ambani holds a 51% stake), Inox Leisures, Shringar Cinemas (Fame multiplexes), Fun Multiplex (of Essel group) and Cinemax India etc. All venturing into small towns across India (e.g. Darjeeling, Mangalore, Ghaziabad, Pimpri, Pune, Panipat, Allahabad, Indore, Latur, Agra, Thane, Lucknow, Hyderabad, Nasik, Jaipur, Visakhapatnam, etc.)

Projects are under way in places like Kochi, Bhatinda, Coimbatore, Kota, Madurai & Ambala. Towns and Cities with a population in excess of 10 lakh people is becoming lucrative for them. Some 40 cities in India are qualified for that and given that are there lesser means of entertainment in these towns, there is a huge potential.

The importance of smaller towns can be gauged from the fact that movie stars are now touching down at these places to promote their films. If Aamir Khan was in Thane, for the release of Rang de Basanti, more recently Amrita Rao was in Nasik for the release of Vivaah. After a couple of years, non-metros will clearly be the drivers for film exhibiting firms. Moreover, box office collections from non metros is expected to move up.

Experts believe the 65% of the total box office collections coming from non metros and is expected to change to 70% in 3-5 years. PVR has raised almost Rs 128 crore (Rs 1.28 billion) last December through its IPO, and has also gone for a new brand, PVR Talkies, to enter the smaller cities.

PVR Talkies plans to enter 70 cities -- including Khanna, Jalandhar, Amritsar and Moradabad - over the next 3-5 years. Adlabs would also invest some Rs 200 crore (Rs 2 billion) over the next 3 years, and is eyeing places like Hyderabad, Delhi and NCR, Agra, Jalandhar, Ludhiana, Indore and Allahabad.

Inox, which has entered into a share swap deal to take over Calcutta Cene known for its multiplex brand 89 Cinema -- already has multiplexes in smaller places like Vadodara, Darjeeling, Goa, Indore, Jaipur, Kota, Nagpur and Pune.

Its theatres are coming up at Chennai, Hyderabad, Jodhpur, Raipur, Lucknow, Nagpur, Kharagpur, Borivali, Pune and Vijayawada. Further, the CCPL merger will bring in nine multiplexes in West Bengal and Assam to its fold. Similarly, Shringar -- already operating in Kandivali, Surat, Nasik and Pimpri - is taking its Fame to places like Aurangabad and Thane.

A Different Pricing and Packaging Strategy:

It is the retail boom that's mostly driving the multiplex story. Mall developers all over the country are wooing multiplexes to occupy their top floors as anchor tenants who would ensure footfalls. The arrival of the mall mania has actually accelerated the growth of cineplexes as multiplexes are the anchor tenants in most of malls.

The earning may not the as attractive, but experts feel F&B and ad revenues from non metros would match the metros in the near future. Also, the consumer preferences are different. If hotdogs and popcorn are popular in the metros and semi-metros, in smaller towns, people would rather go for the traditional samosas and vada paavs.

So what if multiplexes constitute just 1% of the total number of cinema halls, and 4-5% of the 12,900 screens, in India, the industry is talking about the end of single screens. Single screens, with their low quality ambience, would find it tough to survive in the long run, it is felt. This because there is a rising demand for quality cinema exhibition infrastructure. Also, before long, digitisation will be the industry standard and exhibitors will have to shift to it.

As per some estimates, India have only 12 screens per million population compared to 117 screens per million in the US and more than 40 screens per million for European countries. The risks involved are rising property prices. But most multiplex owners have tied up properties for at least the next couple of years. Also, being the anchor tenants in a mall, they are always offered special rates by developers.

Again property prices in smaller town are comparatively stable, which makes them bullish on their plans for these cities. So, at least on the surface, there's nothing much to stop the multiplex boom.

The coming of age of DTH services are unlikely to make the millions of movie goers across a country of fanatic fans resist the first day-first show temptation of Bollywood.

Business Schools promises to infuse Real Estate Talent Pool

The Indian School of Business + Ernst & Young has recently conducted a Real Estate panel discussion in Hyderabad. Called "Real Estate in India - The Research Imperative" - to bring together industry leaders, and students working in the Real Estate Sector, who are considering real estate as a career prospect.

Perceiving a lack of knowledge in this booming industry like forward thinking, sustained industry dialogues, public private partnerships, the need to strengthen technical know-how, research and best practices in real estate (finance, governance, business processes, etc.) - the discussions were focussed on bridging this knowledge gap and crystallizing possible research areas.

Considering the ongoing research in real estate sectors & urban development issues, this panel discussion sought to go beyond mere economics and demographics of real estate. It saw India's real estate and infrastructure industry professionals, formulate a definitive dialogue on Indian Real Estate.

The industry has long perceived a need for professionalism to be inducted in the real estate industry. There is a lack of data and information, though the industry is growing at a dynamic pace. Moreover, most support sectors are not instutionalised as yet.

Surely, there are big bucks for real estate players with retail and housing sectors growing at a fast pace. But the industry lacks transparency and credibility, an acute shortage of data and academic research, and a lack of uniform laws and regulatory systems. A knowledge base and authentic data from business schools and government agencies will help streamline the realtors and the overall industry. Hope for a better realty market!

Lead Management CRM Software








Many of you know very well that im an web designer & as an web designer I deal with numerous different type of customers everyday. One of the hardest parts of working for yourself, is developing a solid customer base, and remembering each detail when it comes time to communicate with them. So for this a marketing tactic to that time is utilized when you deal with your customer and this is also necessary that your staff in the office also have efficient skills in this but generally this is not possible because no one have same nature & every one deals customers with their own method so removing these hurdles for the business I found an amazing software called CRM software (customer relationship management) that provides lead aggregation companies the ability to manage and run their entire business. Imagine that – a piece of software that can run your business! In case you don’t know, CRM is a necessary aspect of every organization’s PR and marketing structure. This new lead management CRM Software is developed by AIMpromote. Some of the things you can do with this software are, sell any type of lead, in any vertical; manage accounting; sell leads automatically; and run ROI reports on all leads, campaigns, and/or website activity.
People are definitely a company’s greatest asset. Providing them with the right tools such as the CRM software will surely help you get the most out of them.

Friday, August 17, 2007

Russian dating site - ChanceForLove.com








Many men just can’t seem to find the “perfect” one for them out there in the “real” world. I also know that many men, no matter how “we” may view it, prefer women born in another country, so in this regard Matchmaking Sites are still popular and people still date online. Distant relationships are stronger sometimes. Nowadays, there's a wide range of sites that offer this service
Well i find a network from the in this wide range who is very popular for their uniqueness & genuineness many of you already knows about that..ya I say about Chance For Love Dating Network, It is one of the dating sites specially Russian girls dating on the net which primarily for those who are looking for love and lasting relationships. It is a specific relationship that this website offers primarily of those who are looking for Russian brides. Absolutely, you don’t need to go to Russia to find Russian Girl or women. Chance for Love site offers that for you. There are three steps you to do to find a Russian bride. The first and foremost of course is to register and be a member of the website. Secondly, you have to upgrade your membership so that you can have more features available. The more features you have, the greater opportunity you get in finding the love of your life. Lastly, you can plan your date with the girl you have met. This site is not one of the Russian dating scammers. You can accurately check if the profile of the person is falsely changed. Assuredly Chance for Love gives you the person that you are looking for. True to their reputation, they also have a search dating scammer guide, which assist you to find Russian dating scammers & also which dating sites are scam and which are genuine. Well guys in last I say one more things there are many dating site on the net but none one offer you security, professionalism and accuracy in the profiles but I assured that chanceforlove.com is completely genuine & taking care every time of your emotions !

The Game of Online Home Hunting

Home-hunting normally begins with a lot of energy and enthusiasm, but soon turns into an elusive task. This is where property sites like 2letservice.com and RealEstateTimes.in comes to rescue by providing an instant online view of properties, prices and locations. These portals work by gathering owner and agent listings from all over India, under one roof. They can be searched by location, price and property type, and then, when you find something of interest, you can get further details and build up lists of "favourite" properties for future reference. And if you're very interested, there will be contact details so you can take the next step and go and view. But be careful in subscribing for SMS alerts and sharing your mobile numbers, though. With the proliferation of telecom industry you can be a target of many other mass media campaigns bombarding SMS Messages to your favourite gadget! Email is still the best option - keep the unsolicited marketers away.

However, for a more exhaustive search, you would need to hunt through several different sites and check which properties appear in their lists. And even after that, you might want to take a real-life look around the streets to see if there are any other sign-boards not appearing on the online searches. Each site have regional strengths and weaknesses. None of sites are perfect, however strong their claim maybe, including our own. But these websites are certainly growing in visibility and claim to have soaring rates of user traffic. 2letservice.com's Network is attracting millions of visitors each month. But rather than a revolution, it's much more of an evolution, building on what's already available with agents and through individual real estate websites.

Propert Portals like 2letservice.com reinforce the existing sales market, dominated by property agents. Property websites offer a bigger volume of potential houses and flats than the property agent's narrow window, but they're not offering different financial arrangements for sellers and buyers. Classified Publishers and newspaper groups, as well as property agent chains, are conspicuous among those owning these websites - and you could see this as an online version of the classic real estate classifieds sections.

Real Estate Portals keep the dealers and house owners as the key contact for both buyers and sellers. 2letservice.com doesn't deal directly with owners wanting to sell, they let them publish details. But even if they're not changing the sales process, the sheer convenience is the attraction - and the traffic figures suggest they are right up there among the housing favourites, such as checking rentals and homes for sale or lease. 2letservice.com send out email updates as new properties appear on the market, if a member opt for alerts. Rather than waiting for a list in the post or having to call up all the local agents, this will automatically keep buyers abreast of what's available.

As with any broker, the property websites are only as up-to-date as the lists and prices provided by the companies supplying the information. For example, 2letservice.com have less number of active listings compared with few other known portals. It's becuase it does NOT list dead listings, all old listings are auto-removed regularly. Moreover, as they say "10 serious and targetted users are far better than millions of confused and dragged-in users". This is even more true for high value real estate business. Also if you look carefully, you can find discrepancies between the rivals. 2letservice.com also cover the rental sector, providing a range of places to rent, and give a guide to prices, but it's a much smaller slice of the total market than for sales.

Sticking to the Fundamentals: The primary function of a real estate website is to produce a comprehensive list of what is available. And many of the additional offers are promotional pitches for advertising home loans, insurance and conveyancing. For the more notice-board type of portals, you can go straight from the property details to contact the owner, without having the hassle of registering, while some won't show you the details of properties until you have registered.

For sellers, it brings a wider potential range of bidders, but in terms of the continuing high dealer commissions, it still feels like an incomplete house. There are property websites that offer direct sales, allowing sellers to advertise their properties at a small fraction of the price charged by agents. But for the buyer, they only have a small proportion of what's available and so there is no great incentive for them to check these sites, no promise of Magics either, good sites are driven by acutal and owner listings.

2letservice.com says - "It is Not for those who lay Bricks of hype on many Acres!". Are you ready to take a bold stance, if not, then of course there are many others you can choose from. Happy home-hunting.

Thursday, August 16, 2007

Critics Rant












If you are in searching for an site which can provide the whole information on movies, TV shows, games & other entertainment news.. So i can say to you one thing that your problem solves here because I find an awesome website on that. Criticsrant is a website which can provide wide information on latest Movie Reviews, TV Shows & video games. The site also gives opportunity to its visitors to write comments, doing movie discussions, talk about their view on movies, games, or tv shows etc. If you Sign up for the Daily Rant! Newsletter you’ll have a chance to win FREE DVD. By registering on this site you have a benefit to be updated from the world of entertainment. Every time you get updated about which movie is bad & which have a good rating, what visitor say & thinks about TV Shows, games & also many more things. I must say criticsrant.com is not just a site for me it’s a complete entertainment hub! So join it.

SEZs - Why should India benchmark the Chinese development policies?

The so-called communists say that rather than promote prosperity, SEZs in India will create economic hardship as they would be built on fertile agricultural land, without adequate compensation for farmers and consumers. They lay the right emphasis on Indian farmers' interests, arguing for more compensation. And remember, the area of arable land per capita in China and India is just 0.10 and 0.17 hectares, respectively, compared with 0.31 in the rest of the world. Food Production, Climate Change, etc. are also at stake. True, the government must safeguard the interests of the farmers at all costs. Again the Indian Finance Minister had said publicly that he fears that the government can stand to lose tax revenue because of the special concessions given to firms that will operate in the SEZs. The rules are obviously unclear and they should have been finalized before granting approval in-principle to any SEZ project.

Recently, the South Korean steel company POSCO has got approval for it's multi billion dollar plan to set up a SEZ in Orissa. The commerce minister argues that new economic activity generated by SEZs can compensate the government for revenue lost from tax breaks. Many prefer to do a comparision with China and forget the fact that unlike India, China do not have the luxury of higher per capita arable lands, and is establishing SEZs out of economic necessity. And unlike China, Indian SEZs are clustured and scattered, mostly around industrialised cities like Delhi and Mumbai - making things either very good or very bad. What about rest of India? Moreover, such unclear policies can be misused for real estate development rather than for generating exports or creating new jobs. Many state and local authorities are under attack for brokering land acquisition deals that benefit real estate developers rather than farmers. There is not a secret, farmers will suffer! The guidelines relating to the acquisition of fertile farm-land and on the space allowed within SEZs for the construction of housing, shopping malls and recreational outlets should be much more transparent, otherwise it can only become the largest land grabbing movement in the history of modern India.

As people in real estate are often impressed by shows of affluence: a self-confident person with a beautiful car who is selling a product that seems too complicated to understand and too good to be true. In the hindsight, most people know that the best way to avoid getting taken by such schemes is to use common sense, but it often gets forgotten. Whether you are a policy maker, investor or a small farmer, you should avoid investment deals that are overwhelmingly complex and offer outrageous returns. For success, SEZs should focus exports, employment and investment, instead of land area and policy-makers should avoid trying to create a Chinese replica - it's not possible in India. Given the fact that so much money got poured into real estate in India over the last few years, it seems an obvious market in which fraudsters would play - especially considering the volume of activity. An SEZ mishap will not only hurt property owners or farmers it will also hit insurers, banks and mortgage lenders. (also refer a previous article titled Real Estate Scams).

Wednesday, August 15, 2007

Cash Advance From Cashadvance-fast.com













Hey guys i find an amazing website called cashadvance-fast.com that fulfills your financing needs when you are in most difficult time & you needed instant money for your urgent work , this website makes easy your emergency financial needs. Some times in your life you can be in a situation where you need money which you don’t have in that particular time & this is the most difficult time for an human I think. In the past the traditional thinking is that those who don’t have money at difficult time selling their properties & other assets for less it was worth & manage the situation but some personal property have some emotional touch in everybody hearts from childhood to your old age. But now with the help of Cashadvance-fast.com you can simply tackle your financial needs of emergency funds without selling any your personal property or anything, they provide you all options if you need emergency cash like you can get a pay day loans but now you thinks what are pay day loans? Payday loans are short-term, small, unsecured consumer loans which aren’t required credit checks. And u simply applies to them through all over the country at Cash Advance stores or through the internet avoiding the public exposure and without affecting the velocity of the process. In this website you find all the information regarding payday loan. They also have a wide list of cash advance marketing websites with a simple description & you can choose any website that is best suited regarding to your financial requirement. There's only 4 easy steps that need to be followed in order to get your money, so visit the site and get your emergency cash today!

ROI and Real Estate Value Addition

When you are building commercial property, you need to ensure that the returns from the investment are as high as possible. It is in this direction that the builder tries to add features that will add greater value and hence enhance the chances of making more from the deal or new construction. A commercial property consists of both immovable assets like the building itself and movable assets in the from of various fixtures and fitting that have a vital role to play as far as value addition goes. Even a small bit of renovation or and spending more finances will raise the value of the property and it's marketability.

Top of your construction: A prospective buyer or tenant would like to have a well made ceiling and that should be as presentable as possible so that once a person sitting inside looks up at it, he gets a feeling of happiness both visually and satisfaction. There are a number of options in the aspect of sprucing up the building and perhaps one of the best and more attractive that are present in buildings of the developed world is to have new ceiling by suspension. Another option is a coffered ceiling look with units hanging from the ceiling wit lighting fixtures provided for maximum benefit at low energy cost.

Other important aspects are taps, sinks, and other devices that are connected with plumbing work, ensure that the quality of such fixtures are good and do not create a sense of irritation down the line. And by doing such things that please the eye and ad to the overall aesthetic value of the building, you can be sure that any evaluator will give more point on account of these changes. Side by side is the connection it would be pertinent to mention that the better the quality of paint, the more elegant the building looks. The quality of paint should used and any property and also ensure that no one will turn the back on this aspect. Paint should be applied with discretion and use only appealing colors.

Furniture appeals and gives more comfort. It may directly affect the property value, but can surely help provide customer comfort and increase the flow of cash. You should be aware of the fact that value of a commercial property depends on the income it generates, which is used for mortgage calculation, rent, taxes and extending the property as collateral for loans.

Tuesday, August 14, 2007

Hotel Reservations


If you are planning for an holiday to go around the world and enjoy it, you will also thinks about your stay, because no one holiday is enjoyable without an comfortable stay. If you are going for an holiday in prime time like summers season there might be a problem in hotel reservation or this problem you see earlier when you are traveled, & I know they are very painful if u don’t get stay of your kind or comfortable so relating to that I find an website who solve your’s problem completely on that & they make your stay arrangement if you are on world tour ;-). Hotel Reservations is an website where you can get whole information on your stay offerings like hotels, motels, resorts, vacations rentals etc. Here you will get best and cheap pricing as compare to other competitors; the rates are with great discounts on world wide destinations it means where ever you go you will get discounts. I think one of the best resources for Cheap Hotels you must visit on this great web site. I assure you will get what you want and much more then that, a complete services and solution for all your travel and hotels reservation needs. So having a site like Hotel Reservations.com around makes it much much easier to find the best rate without a lot of hassle.If you visit on this site you will see there are Hotels, Flights, Cars, Vacation Rentals, Vacation Packages links and language option Web Site in Your Language & Currency that’s a great thing. On the right side call NOW and SAVE!! Option is also there you can make a call at toll free to make your Reservation 1-800-447-4136 (in US & Canada), for group booking you can Call toll free to make your Reservation1-800-447-4136 (in US & Canada). One great advantage to the website is the many different options in its search engine. You just enter a city into the search box, check in check out dates, number or rooms, and how many people and the sites search engine finds what your looking for. They even list the motels, hotels and resorts in other countries such as Germany Greece, Belgium, and France. You also have the option of having your search results listed by lowest or highest priced, quality, Alphabetical and you can choose to have hotels listed that are near a landmark in the city you might like to visit and the site has those landmarks listed on a drop down bar with the search results. Its easy and for everyone to use. In last I really like their service because they are very easy to access anytime anywhere through their website with a wide network of hotels/motels & their offers/discounts any one who have little knowledge of computers can easily access their website becoz of user friendly interface, so now you don’t worried about their stay while you are on world tour.

Buying to Sell a Property - The Interior and Exterior Aspects

With the property markets booming and chances of its keeping up this optimum level for some more time, investors are concerned about value of their properties. You should take note of certain important points to get a better deal than expected. Current trends is to take as much furnished as possible a flat or house is so that you do not have to think in terms of spending on it. While the seller is in a better bargaining position on account of this. Once you think of selling your property, then the best thing that you should do is to paint the house which helps give a good first impression to the buyer. It is always better to have the house painted in light colors which are neutral and better not paint the flat in stunningly white paint and a better option to have it painted in pale yellow or even beige. This will help in giving the flat or apartment a better lighting.

It is advisable to ensure that the walls have no cracks on them and the gutters are in a good condition, the window casings, shutters and sliding on doors are painted well. Changes to the interiors can attract more buyers like POP on the walls, moldings on ceilings, lights woodwork, curtain rods or pelmets, tiles and textured or plastic paint are among the positive factors that you should note.

Exterior, Outdoors and the Entrance: The important aspect is cleaning, you should ensure that the bathrooms, floors, windows and tiles sparkle whatever may be the colors. The more woodwork is available, the better it is. Almirahs, cupboard in the kitchen, pelmet, showcases and such other things add to the value and attraction of a house. And the interiors should be one in a way which does not make any of the room or rooms feel awkward or cluttered. The interiors need to be bright and to the minimal. If required, you can remodel the interiors or furniture items.

Have a look at the elevation and if it needs a change or considers adding another facade, that will change the look from one of a dull one to one that is presentable. The best option would be to strip the exterior and provide a new exterior facade to enhance and improve the elevation.

You can also fix new wallboards or glazing glass panels and install new plastering in front portion of the home. Wire cut brick facing can act as a face-lift too and in case you have a path that leads to the main door from the entrance of the house, you can think of providing finished stone or cement paving with potted plants on the side. For wall finishes it is ideal to think in exteriors and interiors.

Rates to Go Blog





Well many of my blog visitors knows writing is my hobby & i enjoying this is very much but no one from u knows that I also enjoying reading specially about on interesting place where I want to visit in upcoming future . And of course if you are on my blog, then I have to assume you that you like to read about Travel News & amazing destinations too, Unless you just like to read what I write, no matter the subject.
Anyway I was visiting a new blog today blog.ratestogo.com , and thought it might interest you. And also, I’ve been checking out a few hotels in Las Vegas for our trip there this Jan. It’ll be my first trip to Vegas, and I’m so excited! I don’t have a clue what resort I’m going to stay at, but I do know that I won’t be making a reservation at the most expensive hotel room in Vegas. Talk about having WAY too much money. First of all, Hugh Hefner is one lucky man to begin with, what with all the blonde bunny girlfriends. He’s the idol of millions of men, and quite possibly a few women as well. Reading about his $40,000 a night hotel room at the Palms Hotel made me a little sick. LOL! The blog I found that piece at is full of interesting travel news Blog Address: http://blog.ratestogo.com/
So don’t forget to bookmark this travel news blog J

New Chinese Property Laws and Private Investments

landmark property rights bill giving private and public property equal protections was passed on by the Chinese Parliament. They have also approved a new corporate tax law that abolishes preferential rates for foreign companies.

Despite fierce opposition from the opposition, the bill was passed this time around. The new law, to be effective from October 2007, stipulates, "the property of the state, the collective and the individual is protected by law, and no units or individuals may infringe upon it."

It is a reflection of the Government's recognition of the increasingly important role the private sector plays in China's economy. The private sector now accounts for 65% of the China's Gross Domestic Product (GDP) and around 70% tax revenues. The law also addresses the rights of the rising middle class, which has in recent years, pushed China's urban home ownership rate to more than 80%.

The draft law also introduced the concept of differentiated owners of buildings to help clarify rights of every household in a high-rise residential building over their own space, corridors and the greenbelt and carparking of the compound.

This will help resolve increasing disputes between home owners and the realty management agencies as rights and obligations of both parties are clearer than before and their relationship is fixed by law.

The law says all homes in the residential compound belong to the property owners even if they are used by the real estate management agencies. Without previous agreement, the clubs, carparks and greenbelts belong to the property owners as well, unless the construction company can prove that they enjoy ownership. Under the proposed law, residential building can not be altered for other use unless it is agreed upon by all property owners....etc.

Nevertheless, critics and supporters believe that it's real test will lie in it's implementation. China already has several laws governing property rights but the country's poor track record in the implementation of those laws is admitted even by the Government.

Indications of Global Real Estate Slowdown

Spanish Property Sector: Real estate stocks were down in Spain last month and it has affected property markets worldwide. Some believe that Spain's decade old construction boom is finally over. There are some obvious spots that will face the reality soon..

UK's housing market is so far unaffected, but there are signs that higher interest rates and stretched affordability are starting to dent. Recent reports suggest prices being rising at a slower pace. Average price of a home rose by 2.8% in the first 3 months of 2007 compared to 4.2% in the previous quarter, as per Halifax - the mortgage lenders.

US housing slowdown has been dramatic. The writing is on the wall as buyers could no longer afford to buy using traditional financing options. Asurge in arrears, defaults and meltdown in the sub-prime mortgage market - are all signs of things to come. Economists are warning about excess supply caused by a flood of repossessed properties can translate into in house prices.

Dubai, UAE: An estimated 15 to 25% of the world's construction cranes are in Dubai, symbolic of a market in such a hurry to build and oversupply can become a real issue.

Developments are being built at a fraction of the price for a similar property in Europe, and investors who purchased a couple of years ago have already seen their capital grow. In the longer-term, however, it is hard to know if this is sustainable popularity or merely a boom-time feeding frenzy.

Latvia: Knight Frank's recent global house price index is Latvia. Property prices have risen 66% in the past year thanks to a red-hot economy fuelled by booming consumption and easy credit. Since a part of European Union in 2004, Latvia's real estate market is a magnet for investors from Europe.

But there is a growing feeling that the market is an accident waiting to happen. In an attempt to prevent the bubble bursting, the government last month pushed plans to cool down. Measures include taxing profits from the sale of real estate in the first 3 years of ownership, an extension from the current one year rule.

Australia Property Market: Australian real estate prices were doubling between 1996 and 2003. A flurry of interest rate rises took the wind of the market's sails, but the slowdown was remarkably modest by historical standards.

Since then, the market has shown clear signs of strengthening again, clocking up 8.3% growth last year against 2.3% in 2005. Indeed, the recovery has been such that affordability is now considered the worst on record.

Property Market of India: US tycoon Samuel Zell told a gathering of Indian Real Estate Executives last month that it was "mental masturbation" to believe there were endless riches for investors in India's housing market. Coming from a man nicknamed "the grave dancer", the warning was perhaps not that unexpected. For the developers and fund managers who were listening, however, the only question remaining was how far property prices will fall.

Mumbai has become Indian Property Boom's epicenter. Prime residential prices have doubled in just two years. More people are buying homes and real estate is also attracting speculative investors, many of them from abroad. But when half the population is till living in slums, there is a growing feeling that the market is on the brink of a collapse.

The last time a property bubble burst in India - between 1995 and 2001 - prices slumped by up to 70%. This time, a fall of 30 to 40% is on the cards. Investors know what to do!

Source: The Independent, UK

Monday, August 13, 2007

Property Management




One day I am searching for an website on the internet that will help me in finding properties around the country I find many websites on that! but no one can give sufficient quality of information on that but my searching is continued, well ultimately I find an website which provide good information relating to all aspects on property, this site is All Property Management, On the homepage of the site you can find properties by entering the zip code and you can either search for a condo, single home, homeowners association, vacation, warehouse, office and even parking garage. You can search almost everything here. The site has huge database that will surely find the right property for you. This site make way easy for those person don’t find an right property because little skills on internet but with the help of that site u can find a suitable right property according to their needs & budget.

It’s your online portal for property management. Personally I’m overwhelmed on the service they provide on their website. I haven’t seen a website that gave almost everything an individual wants to search and manage a property. You don’t need to hop to another website because they provide everything you’ve wanted. One of the things that I like on the site is you can request for a quote on properties you want to acquire. They also featured different Real Estate Company which makes them unique and very convenient. They will provide you complete details of the different Real Estate Company they have on their database. In last I say one thing more; that this site is an whole solution of your property management. If you have any doubt simply visit the website & check their accuracy in property management for your satisfaction. :-)

JustSayHi.com








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Saturday, August 11, 2007

Live In



It's often said that the trip to work can kill you. But if you live in Houston, what really takes a beating is your wallet.

There, the average commuter spends 20.9% of his annual household costs on getting to work.

He's not alone. Cleveland, Detroit, Tampa, Fla., Kansas City, Mo., and Cincinnati also landed on our list of the country's biggest cities where transportation eats up a fifth or more of household costs, according to a study by the Surface Transportation Policy Partnership (STPP), a nonprofit research firm, which draws on 2003 Bureau of Labor Statistics data, the most recent available. The study looked at annual transit costs such as gas and tolls, and public transit fare, as well as money spent on car payments and maintenance.

Robert Puentes, a metropolitan policy fellow at the Brookings Institution in Washington, D.C., says, "In Houston, the cost of transportation is the No. 1 household expense, above shelter."

But that's in part because Houstonians spend a lower than average proportion of their take-home pay on housing.

And that's the trade-off.

The percent of household income Houstonians spend on transportation may be the highest in the country, but when combined with the amount residents spend on housing expenses, Houston's aggregate cost ranks them 14th, with the composite cost equaling 52% of household income. Transit costs are high because Houston has few policies hindering sprawl, which in turn allows for cheaper housing. In San Francisco, which is much more dense and has more prohibitive zoning laws than Houston, residents rank 22nd in commute costs but fifth in the combination of housing and transportation.

Worst hit by the composite ranking were the residents of Tampa and Miami where housing and transportation costs were the most out of sync with the average household's income levels. Tampa residents spent 57.7%, while Miami denizens spent 57.5% of their take home pay on the two.

Number Crunching
The study also found a very high correlation between cities that had extensive train systems and those in which households spent the least on transportation costs. Four of the five cheapest commutes were rated as having large or extensive rail systems, and of the five most expensive commutes, only Cleveland was rated above having a small or non-existent rail system, according to STPP.

Besides saving commuters money on parking, tolls and gas, rail systems are often seen as a way to manage sprawl as train stations create central and desirable points for living and working.

It's important to understand, though, that the least costly commutes tend to be accompanied by high housing costs. New York and San Francisco were among the cheapest in the country, at two and seven respectively and have some of the highest housing expenses and least affordable housing markets in the nation.

Traffic In Texas
That's what's happening in Dallas. It and Houston have 15% of the country's fastest-growing suburbs between them. Dallas is investing $4.86 billion in expanding its commuter rail system, Dallas Area Rapid Transit (DART), which services area suburbs and neighboring Fort Worth. The job is expected to be completed in 2013 and local economists say the city should reap $8.1 billion in increased economic activity over the life of the project. Houston, on the other hand, has mainly focused on road construction and expansion, which isn't expected to pay off as well.

"To say DART Rail's impact has been substantial for the Dallas region's economy would be an understatement," says Bernard Weinstein an economist at the University of North Texas Center for Economic Development. "It's a trend that's impossible to miss; the local business community certainly hasn't."

Best Places To Buy A Vacation Home

"The main thing motivating a vacation-home buyer is utility," says David Hehman, president of EscapeHomes.com, a San Francisco-based second-home research site. "They want to maximize their purchase around a recreational activity."

Still, whether that includes sitting surfside or skiing down double black-diamonds, no one wants to buy a property that will decrease in value. The safest bets are luxury homes in blue-chip locales. While a Jackson Hole ski lodge or a Martha's Vineyard beach house probably won't explode in short-term value--unless snow stops falling on the Grand Tetons or the Massachusetts shoreline disappears--both are highly desirable, heavily supply constrained areas which have done nothing but appreciate in the last 20 years.

They're also extremely expensive.

Another route is to go for the undiscovered gem. ( In Pictures: Undervalued Vacation-Home Spots.) Here, buy-in prices will be significantly lower than the blue chips. Picking a quality unknown is a way for buyers to build memories and still be able to afford to send the kids to college.

How It's Done
In compiling our list, we picked the five fastest-appreciating regional blue chips, as well as 10 hidden gems nationwide, all of which offer many of the same geographic advantages as the blue chips, without the high price tag.

But calculating appreciation rates for second-home spots can be tricky. That's because many of these destinations, like Tahoe City, Calif., or Sun Valley, Idaho, have a very distinct property-value divide between the housing stock for full-time and part-time residents, the latter set owning primarily luxury vacation homes.

The key is to track values on a granular level. To do that, NeighborhoodScout.com, a Rhode Island-based real estate research site, developed an index designed to pinpoint vacation-home spots. The firm looks for neighborhoods with desirable locations, near beaches, lakes or mountains, for example, and with amenities and services that cater to a vacationing crowd, which, according to its research, are typically high-net-worth renters. Property value spikes within a vacation home area are also examined. The data is then cropped to study which locations had the fastest median home price appreciation over the past five years.

Of the Northeast's most expensive summer destinations, the village of Water Mill, N.Y., in Bridgehampton, appreciated fastest. The median home price there is $1.38 million; it increased in value at an average of 21% a year over the last five years. In the Midwest, Victoria, Minn., which is surrounded by many of the state's trademark lakes, grew an average of 18% a year.

The north end of Key Largo, Fla., has appreciated at 27% a year, on average, according to NeighborhoodScout, making it the fastest-growing vacation spot in the South. Moran, Wyo., situated between Grand Teton and Yellowstone National Parks, has seen 35% average increases in annual value since 2002.

What's Driving Prices Up?
Nationwide home sales are down 4.1% from this time last year. And sales of investment properties, which, unlike second homes, are generally urban properties rented for profit, fell 28.9%, according to the National Association of Realtors (NAR) Investment and Vacation Home Survey.

But vacation buyers aren't sweating. Vacation-home sales were up 4.7% last year to a new record of 1.07 million, according to the NAR.

"We expected the drop in investment sales, because speculators left the market in 2006," says David Lereah, NAR's chief economist. "The rise in vacation-home sales is based on strong demographic and lifestyle factors, with only modest interest in renting their properties."

In other words, if the sun is shining on the shore, or the powder's falling on the slopes, vacation-home buyers don't mind short-term market fluctuations very much.

This makes more sense when you consider that the average vacation-home buyer had a median household income of $102,000 last year, according to NAR, far out-pacing the national average of $44,000; and second-home buyers had a median age of 44, down from 52 a year ago, suggesting that the market has shifted hands to a new generation, one that has time to wait out market volatility.

Money matters, however. And long-term return on investment is important. In that regard, the best bets are blue-chip locales like the Hamptons in New York, or Aspen, Colo., where historical market appreciation has been strong but prices can be prohibitively expensive. Other such spots include Nantucket, Mass., and Jackson Hole, Wyo.

But "finding a top quality home that's still affordable can take a lot of effort," says Andrew Schiller, founder of NeighborhoodScout. "Good places to look are quality places near blue-chip vacation destinations."

Take Kamuela, Hawaii, on the north shore of the Big Island. A bit up the road from Hilo, the median house value is $487,188, modest by Hawaiian standards. Or look to Blue Hill, Maine, up the coast from Kennebunkport, where a four-acre equestrian estate runs just under $300,000. If the Southwest is more your style, the Cochiti lakeshore in Pena Blanca, N.M., outside Santa Fe, has pristine views of the Sandia Mountains--and the median price is only $209,000.

But those hidden gems don't stay secret for long.

"In [December 2006] you could get an ocean-view lot in Captain Cook, Hawaii, south of Kona, for $70,000," says Schiller. "When we called in late March on behalf of a client looking to purchase in Captain Cook, the prices had gone from $70,000 to $150,000."