Discuss Commercial real estate directory of for sale listings, mortgages and loans, brokers and agents, statistics, legal resources, news, forms and contracts. Real Estate Investing Community. Learn rehabbing, landlording, foreclosures, financing, commerc http://www.dreamteammoney.com/index.php Thu, 20 Nov 2008 21:18:56 -0500 1440 http://www.dreamteammoney.com/index.php?showtopic=63172
The city's existing franchise agreement with El Paso Electric will expire in April. It was extended two years when the former council voted to do that in January 2007.

The former council rejected a proposed franchise agreement with El Paso Electric because of concerns at that time that the electric company was seeking a rate increase. There was consensus among the council that a new franchise agreement could benefit El Paso Electric's efforts for a rate increase.

At the time, the company was seeking an 18 percent increase in rates, but the New Mexico Public Regulation Commission ultimately approved a substantially lower percentage.

The council also informally agreed at the time it rejected the proposed franchise agreement that residents needed to be involved in negotiations. Most of El Paso Electric's 80,000 customers in New Mexico are city residents or businesses.

The public will also have the opportunity Monday to comment and get more information about the upcoming negotiations, and understanding the process.

The franchise agreement would continue to grant El Paso Electric the right to use city-owned rights of ways to construct, reconstruct, repair, and maintain its infrastructure for distributing electricity.

The city has hired the Albuquerque law firm of Keleher & McLeod to assist in the renegotiations of a new agreement. As part of its contract with the city, the law firm will conduct several public meetings to gather comments from residents about a new agreement. Specific dates and times of those future meetings as still being determined, but they are likely to be conducted in January and February.

The council will also be updated on the status of its participation in attempts to preserve the green and open space at Las Cruces Country Club. Some residents living near the country club have asked city officials to intervene in possible efforts to develop the country club property after it has been transferred to Las Cruces developer Philip Philippou.

Country club members have agreed to transfer ownership of the golf course property to Philippou when a new Las Cruces Country Club opens next year in the new Sierra Norte subdivision.

Philippou has met with city officials and some country club residents and has apparently agreed to consider possible alternatives, provided Philippou's investment is not compromised.

Source: http://www.lcsun-news.com/ci_10936062]]> Sat, 08 Nov 2008 21:09:43 -0500 63172 http://www.dreamteammoney.com/index.php?showtopic=62792
Over the past few years Kerala has been consistently registering good growth in spheres like information technology, housing, tourism, healthcare and education. And moving with the times, Kerala is working hard to establish and maintain an image of being one of the most congenial hubs for newly emerging sectors like IT, ITES, tourism and telecom. It is true that mega projects like International Container Transhipment Terminal and LNG terminal, the work of which has already begun, has immensely enhanced the face value of the State. Taking a definite cue from the situation, many more business houses are considering Kerala as one of their future destinations for large scale operations.

With the fortunes of the State having undergone a total transformation, the housing sector is witnessing an unprecedented growth in Kerala. The in-flow of corporate clientele is growing by the day and as a result, the demand for housing is on the rise not only in commercial hubs like Kochi but also all across the State. Resultantly, over the past few years, as far as the housing sector is concerned, the borderline between the city and its suburb has blurred to a great extent. Today, in Kerala there is no marked difference between a city and its suburb

The trend has already set in and more number of people is moving out of the city to settle down in suburbs. This is happening more in places like Kochi due to poor infrastructure within the city and also because Kochi’s suburbs are poised for good value appreciation in the days to come. With an upbeat mood all around, the builders of Kerala apartments are taking it seriously to step out of the city limits to more open and greener pastures and Kerala’s lush green landscape is all set to roll out a red carpet for them.]]> Mon, 03 Nov 2008 00:18:58 -0500 62792 http://www.dreamteammoney.com/index.php?showtopic=62632


Welcome to Twimboe.com

Real Estate Investments
You never dreamed to invest into some properties around the world, that are still in development and low priced? Well now you can, Twimboe provide you with the opportunity to invest into some properties, with a very nice return on your investment, this can be double, triple or even quadruple your money in some cases!

We specialize us in low priced properties. Properties that are available in the early stages of development of a certain city, town or any other place.

Our offers have weekly, monthly or right time to sell terms, this means you can receive weekly or monthly payments or you wait till the right time to sell (which has the highest return of all) the choice is yours to decide which one you think is the best for you. The only thing you have to do is choose an offer, invest in it and wait, because we will do all the work for you.

Who we are
We are a team of professionals that started in 2007 with 2 small properties, with not being sure at that time what to expect or what to do exactly, we made with some luck some good profits. As more resources and help came along and as some people asked us help on how to exactly invest in Real Estate we decided to extend to the general public online. Which was a big step for us, as our team is growing in the meantime and working full time to reach the goals we want to reach, we needed more resources, the resources are the investors (YOU) that also one day want to own there own firm or simply just want to profit from there investment.

Simply let us help you to reach your goals, what you maybe can not do on your own, because of lack of time, resources, etc.
We working around the clock trying to provide you the best services you ever saw on the internet and hopefully the best profits on your investments. As we know by now what to do and how to do it, without falling into a deep hole of nothing. We try to spare you this trouble, by giving you the opportunity to invest in one of our properties and gain a descent profit in the long term.

Why the name Twimboe?
Twimboe are the first letter names of the people in our team, that is how we got the name TWIMBOE.


We Recommend to sign up, it's free more details are located in the member area and you will be able to receive our regularly newsletter.


https://www.twimboe.com]]> Fri, 31 Oct 2008 04:26:51 -0400 62632 http://www.dreamteammoney.com/index.php?showtopic=62377
Metro officials said 6,500 of the seniors are in Davidson County; that number could exceed 7,000 by April.

The Property Tax Freeze Act of 2007 allows property owners over age 65 to keep their property tax bill at a fixed amount even if the tax rate or the appraised value of their home increases.

Nineteen counties and 11 cities participate in the program, said Tom Fleming, assistant to the state comptroller for property assessments. More communities are considering adding the program. Communities have until Dec. 31 to adopt it.

"I think everybody is a little nervous about the economy even if they are not directly tied to what is happening with the markets," Teb Batey, Rutherford County trustee, told The Tennessean.

Communities cannot yet say what finan cial impact the 2-year-old program will have.

Davidson County Trustee Charlie Cardwell said if there is a tax rate increase, the difference that the seniors do not pay is spread among the rest of the taxpayers.

Trustees request seniors call to schedule an appointment to apply at their county trustee's office or local collector of taxes. Besides the age prerequisite, the income of all the deed owners cannot exceed the amount set by a state formula that uses the county's median income and population.

Seniors must reapply annually, and their property tax bill can increase if the seniors make home improvements or if the community withdraws from the statewide program.

Qualifying income levels vary from county to county. Many counties have an income limit of $24,790, and Williamson County has the highest cap of $44,570.

Source: http://www.theleafchronicle.com/article/20...NEWS01/81026006]]> Sun, 26 Oct 2008 23:43:24 -0400 62377 http://www.dreamteammoney.com/index.php?showtopic=60300
Villa in Tripunithura refers to a new purpose-built self-contained residential unit. An industrial, warehouse, or commercial space converted to an apartment is commonly called a loft. A large number of NRIs who prefers a home in the city increases the demand for the villas, apartments and flats. The availability of finance from all major banks has made a large amount of contribution for the development of these ideas. Kerala has a large number of educational institutions, hospitals, public entertainment places etc. The state has developed a futuristic image for itself and is claiming its status in India. Kerala is being identified as an attractive destination for investments. The inflow of investments has created realty prospects in the state in terms of both residential and commercial sector.
]]> Wed, 24 Sep 2008 23:01:12 -0400 60300 http://www.dreamteammoney.com/index.php?showtopic=59534
My wife and I just buy a house in San Diego, and we are first time home owner, so we know little about home improvement, such as flooring -- hardwood floor and ceramic tile. Can anybody recommend some good contractors?

BTW: Can we save money by buying materials and hiring professionals both from HomeDepot?
]]> Sat, 13 Sep 2008 06:49:41 -0400 59534 http://www.dreamteammoney.com/index.php?showtopic=57635
Due to the phenomenal economic boom, the property prices in up market areas have started appreciating like never before. Businesses that are continuously expanding need more business space. While building upwards is the right solution, due to the strictures of the town and city planning authorities, there are certain limits to building upwards. Thus the immediate way out it to expand horizontally.

The price of Property in India is now at an all time high. A business that is expanding may not be able to cough up such a huge amount to immediately pay for a property transaction. However the flexible property loans and home loans being offered by some of the leading national banks is the best way out for the budding entrepreneur. These banks are now offering huge sums of money to the tune of several crores of rupees as home loans.

A nationalized bank with the largest number of bank branches in the country has recently introduced a host of loans that are very easy disbursed with the least paperwork. The mobile teams of the bank do the site verification at an amazing speed. Property development in India is thus witnessing a phenomenal boom like never before.
]]> Tue, 12 Aug 2008 03:09:27 -0400 57635 http://www.dreamteammoney.com/index.php?showtopic=56664 Any help will be appreciated.
]]> Thu, 31 Jul 2008 01:18:29 -0400 56664 http://www.dreamteammoney.com/index.php?showtopic=53000 Web 2.0 Real Estate Marketing With Virtual Real Estate Investing Boom

Online marketing has become a potent source of making money nowadays. Real estate deals are also getting closed online. It saves a lot of time and energy. A computer and an Internet can solve all your problems. Virtual real estate investing boom is a great way to attract rapid buyers to real estate deals.

Las Vegas, NV (PRWEB) June 4, 2008 -- Online marketing has become a potent source of making money nowadays. Real estate deals are also getting closed online. It saves a lot of time and energy. A computer and an Internet can solve all your problems. Virtual real estate investing boom is a great way to attract rapid buyers to real estate deals.

The editor of the site Sean Mitchell reported to the press people that with the Virtual Real Estate Investing Boom System, it is possible to increase the number of buyers from zero to one thousand in just four days. It means that online real estate boom can create a lifetime of wealth, gain control over your personal life and help you become a millionaire all by clicking the mouse.

Sean Mitchell said that the site has sold many residential properties in less than seven days compared to a slow market where nothing was being sold and the ebay auction has made over $170,000. Earning a sum of $170,000 in less than seven days is not an easy affair. He said that the system is designed in a way to get the very best in real estate deals.

He asked people to try out her Internet marketing real estate system, which he said would definitely deliver effective results. Marketing real estate deals online is simple if the right technique is known. This is true because nowadays 77% of people start their real estate hunt online. Imagine placing an advertisement in a directory such as craiglist which draws millions of users everyday. This would definitely give a better exposure to the property.

Sean Mitchell said that his real estate marketing product will help real estate owners to sell their properties at the click of the mouse. Previously everything was done manually when realtors and investors used to publish ads it in the newspapers or worse, on a very static non-search engine optimized website they paid thousands for from some 'template' selling real estate guru. Fact is - those sites aren't worth over $50 and can not get ranked in google as the same template is sold to thousands of unsuspecting realtors and real estate investors!

He mentioned that the Virtual Real Estate Investing System at www.VirtualRealEstateBoom.com will cut down on the total time of the real estate transaction and also reduce costs substantially. In today's generation modern technology is so fast that everything is done in seconds. Even placing an advertisement in a directory such a google can also draw many customers and so online marketing is critical to your business. You tube, e-bay, PR web and article syndication are other such directories where advertisements can be published. The profit margin in real estate deals has also increased substantially when you can sell faster.

In a post lunch discussion with journalists he said that the virtual real estate boom system which he is promoting helps to get a fully optimized real estate web portal and has a four week live interaction sessions complete with video, webcasts, step-by-step instructions and support. Customers can also receive coaching calls from millionaire real estate experts, which will help to explode their business. This system even gives an access to a VIP membership site, which gives you access to all kinds of videos and articles on how to leading edge tactics and live case studies. This system will help you to get the buyers, customers and investors very quickly and close a real estate deal in a very short time.

Check out this Great System Here!]]> Thu, 05 Jun 2008 14:56:27 -0400 53000 http://www.dreamteammoney.com/index.php?showtopic=50140
Markets are up again yesterday even after a bad housing number. What does that prove?

No one cares about the housing. The big funds and money guys that move the markets know that there is no housing bubble except for a few regions and that the impact of a slowing housing market has a negligible impact on the US economy.

Apple had great earnings and so did GOOG and AMZN. People are still spending, contrary to the boo ho hoo pro-Obama media and lefties who claim that the comsumer is tapped out due to outsourcing, rising gas, and falling home prices.

Consumer spending is stronger than ever. Massive credit card spending. Tons of consumer debt.

Markets WILL go higher

McCain will be out next president and continue Bush's economic and military policies.

Oil will go much higher and so will food, and the dollar will keep falling, which is very bullish for multinationals.]]> Fri, 25 Apr 2008 16:06:46 -0400 50140 http://www.dreamteammoney.com/index.php?showtopic=49834

Any suggestions would be appreciated!!!
]]> Tue, 22 Apr 2008 02:10:49 -0400 49834 http://www.dreamteammoney.com/index.php?showtopic=49587
Your suggestions will make my work easy.

Thanks!!!
]]> Sat, 19 Apr 2008 03:32:50 -0400 49587 http://www.dreamteammoney.com/index.php?showtopic=49521 5 Tips for Selling a House in a Slow Market

It's no secret that the days of houses selling like Beanie Babies are over. After real estate appreciated at jaw-dropping rates during the first half of the decade, home prices and sales tallies have dropped precipitously in recent months--tilting market dynamics to favor buyers over sellers. That doesn't mean your house won't sell, just that the playing field has changed. So here are five tips to help you get a timely sale at a fair price in today's reshuffled housing market.

1. Make those repairs. While in years past it may have been enough just to cut the grass and retouch the paint, anyone looking to sell in today's market will have to take care of those more onerous repair projects as well. "The buyer that might have bought a fixer-upper five years ago now has an opportunity to purchase a short sale or a foreclosure," says Ronald Phipps, president of Phipps Realty in Warwick, R.I. "So if you have a property that needs a lot of work, you are competing against real estate-owned [properties] that are compelling rather than interesting." So fix the leaky roof, call the plumber, and rebuild the staircase. "The modest repairs should be done," Phipps says. "Frankly, repairs period should be done."

2. Price to the market. Unfortunate though it may be for sellers, demand for real estate has softened significantly. That means, in many cases, sellers will have to bring down their asking price below what the house might have fetched just a couple of years back. "The best advice that real estate practitioners can give [home sellers] is, 'If you aren't prepared to sell at fair market value, then you probably ought to wait,' " Phipps says. "The properties that are selling are selling at or slightly less than fair market--it is very, very rare to have a premium house."

By setting an asking price above market value, homeowners risk driving potential buyers away. "People think, 'Well, I'll run it up the flag pole at [an above-market] price, and people will come along and make a [lower] offer. That is not really happening in this market," says Elizabeth Blakeslee of Coldwell Banker Residential Brokerage in Washington, D.C. "If people perceive your property is being overpriced, they will just move on to the next." Lowering the price may be difficult, but if you want to sell your home in today's market, grit your teeth and do it. "There is a buyer for every property if the pricing is right," says Lenn Harley, a broker at Homefinders.com.

3. Know your agent's stats: Finding an agent with experience selling homes in your market will help ensure correct pricing. When deciding on a real estate agent, find out how long it usually takes him or her to sell a house. It's best to choose an agent whose properties sell in an average of three or four months, a time frame that indicates the agent understands how to price the market, Harley says. "An agent whose average is six months is too long," Harley says. "Talk to an agent that has experience selling in your market."

4. Be flexible. Ensuring that your house is ready to show at all times will make it easier for prospective buyers to see it. So make your bed each morning and clean up the dishes before heading off to work, just in case someone may want to come by at the last minute. In addition, homeowners should be willing to disappear on Saturday and Sunday afternoons if potential buyers are free to see the property. "Access is very important," says Shari Kruse of Prudential Northwest Realty in Seattle. "Things like limiting the hours of showing or requiring an appointment because you have a pet are reasons for real estate agents to bypass your house when they go to show."

5. Bite your tongue: If a potential buyer comes in with an offer you consider too low, resist the urge to turn up your nose, Blakeslee says. After all, it takes a considerable amount of paperwork to make a formal offer, so even a low bid signals interest. "You need to respond--even though you are indignant and insulted," Blakeslee says. "Do a serious counteroffer. You have nothing to lose by countering, everything to lose by rejecting it out of hand."]]> Fri, 18 Apr 2008 12:16:04 -0400 49521 http://www.dreamteammoney.com/index.php?showtopic=48981 (NO BROKER FEE)

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]]> Fri, 11 Apr 2008 10:03:15 -0400 48981 http://www.dreamteammoney.com/index.php?showtopic=48649 March 31, 2008

(Special) - With inflation beginning to rear its ugly head, where can investors go to hedge their portfolios against the threatening economic malaise?

Financial experts suggest they should look at resources and global real estate.

Inflationary pressures are starting to heat up, primarily from rising consumer demand in emerging economies such as China and India, which are growing at about 11 and nine per cent respectively.

"We are anxious about inflation because of the continued growth of the middle class of emerging economies, particularly China and India, who want to emulate the lifestyle of the middle class in developed economies," says Gavin Graham, chief investment officer with the Guardian Group of Funds. "We don't see inflationary pressures being tamed in the short run, although we may see some temporary relief with the slowdown in the U.S. economy that's transpiring at the moment."

Historically, real estate is a good hedge against inflation. Despite the real estate slump and subprime mortgage problems in the United States, real estate continues to be a good investment class.

"Rent and property prices have, in previous inflationary periods like the 1970s, kept pace with inflation," Graham explains. "Real estate is the ultimate local business. Individual markets are not correlated with each other: what happens with Japanese shopping centres has very little to do with German apartments or self-storage units in the United States."

Investors can tap the global real estate market in several ways.

One is to invest directly in property overseas, although that can be a risky proposition and requires good knowledge of the local market.

"The high Canadian dollar makes foreign real estate more attractive, and more Canadians are looking for real estate investment opportunities," says Patricia Lovett-Reid, senior vice president at TD Waterhouse. "But directly investing in global real estate can be risky and confusing. There's a lot of upside potential but also a lot of risk if you don't understand the local market."

The other is to invest indirectly through real estate stocks or mutual funds such as the Wisdom Tree Global Fund, which invests in 224 real estate companies in 19 markets, Lovett-Reid says.
The other good inflation-hedge investment is resources.

Demand for aluminum and other metals will continue to increase as emerging countries build their infrastructures. Similarly, oil prices will stay high for the next few years because demand is outpacing supply in the world market, again because of increased consumption from emerging economies.

In 1990, for example, emerging economies were virtually self-sufficient in oil. By 2006, however, their consumption had doubled but production had stayed virtually the same, Graham says.

"By 2021, we will need to find an extra two million barrels of oil a day from new sources just to fill this new demand," he says. "What we see in oil for the first time in 100 years is that supply and demand on a global scale is unbalanced. On the metal side, we see a similar situation of unprecedented growth in places like China and India."

As demand for resources goes up, so does the price - and pressure on inflation.

Investors can get into the resources sector by trading futures options and commodities. But, like buying real estate directly overseas, it is a risky game requiring trading savvy and knowledge of margins.
Perhaps the best way for investors to get into resources is again through mutual funds or by buying quality, oil and gas stocks.

"Mutual funds are a great way, but I wouldn't recommend having any more than five or 10 per cent in one sector," says Lovett-Reid. "And good quality oil and gas stocks, like Petro-Canada are a good option," she says. "They still make money even if oil is not at $100 a barrel."

Talbot Boggs is a Toronto-based business communications professional who has worked with national news organizations, magazines and corporations in the finance, retail, manufacturing and other industrial sectors. (boggsyourmoneyrogers.com)

Copyright 2007 Talbot Boggs

Source: http://finance.sympatico.msn.ca/investing/...umentid=6649697]]> Mon, 07 Apr 2008 15:41:51 -0400 48649 http://www.dreamteammoney.com/index.php?showtopic=48607
Property specialist LaSalle Investment has singled out Singapore as a key investment channel in the Asia-Pacific region and noted that the country’s high grade commercial and retail properties will still enjoy solid growth despite the general market downturn.

LaSalle Investment Management regional director and president of its Asia Property Fund, Marc Montanus, said for example that office occupancy rates in Singapore will remain stable for the coming 12 months despite predicted slowdowns in the commercial sphere.

“When we talk about rental growth slowing in Singapore, it’s important to remember that it’s slowing from unprecedented levels. But if rents continue to grow at 8 to 10 per cent in the office market as we predict, then that’s still really attractive. And in the retail sector we still expect to see growth of 3 to 4 per cent,” he said.

Montanus called the Singapore retail sector – which includes suburban shopping centres – “robust” due to the high frequency of consumers that has led to strong occupancy rates. Investors looking to tap into international property should be aiming to add such properties to their portfolios to garner sustainable returns while weathering the US sub-prime storm.

Montanus added that it is this philosophy of investing in high-occupancy and strongly performing properties that underpins the firm’s Asia Property Fund.

“What we’re trying to do with this particular [fund’s] strategy is that we’re trying to uphold really high quality assets. We’ve got “grade A” properties that are centrally located with high occupancy rates and multi tenants. If we see cap rates start to move out, these are the type of properties that will perform the best,” he said.

LaSalle’s Asia Property Fund has delivered a total return of 38 per cent from the fund’s launch on 19 December 2006 to February this year. The fund has closed $1.5 billion of new investments since August 2007.

Ruth Liew
]]> Mon, 07 Apr 2008 01:26:17 -0400 48607 http://www.dreamteammoney.com/index.php?showtopic=47873

LandProfit is not a leading company, and the number of our investors does not amount to millions, but we take great pride in the fact that our investors are satisfied with the way we manage their money. This is our greatest reward. Careful attention to our investors and their needs, clearly established goals, and consistent and accurate foresight make it possible for us to obtain incredible results. We will never, under any circumstance, disclose the names or identities of our investors or the amounts of their deposits. This policy has been warmly received by our investors worldwide.
Our goal is to be at the cutting edge of the investment world and to secure the trust of our growing clientele. We are constantly innovating ways in which to invest our investors' funds in order to secure maximum profits. For example, one moment sees us focusing on the REIT markets, while the next has us moving towards the Purchase of a Building or investments into another venture projects. Professionalism, experience, and insight into the nature of economical processes are what allow us to make the type of decisions that daily benefit our investors.



S.C. Holdings.
700 N Colorado Blvd
Denver CO 80206
(720)294-0531

We are participating in the development of lands and buildings in Macau, HongKong, Japan, Vietnam, Australia and South Africa (the World Cup for soccer will be held here in 2010 and is driving up the price of land). We purchase the land, building and develop it which adds value and then sell it for a profit. The economy of the above countries keeps increasing and so does the price of land, building. We can achieve great profits in a very short time. That's the reason we can have such high rates of profit.


We own severl buildings and apartments. The rent from these properties guarantees a stable income each month of the year. Rent prices are increasing especially in, Macau, Japan and Australia with the growth of their economies. We also buy and sell buildings and apartments in markets where the real estate sector is booming. We purchase undervalued properties and then sell them as the price comes up.



--------------------------------------------------------------------------------


We are doing and we are


Land development:

Land development refers to altering the landscape in any number of ways such as changing landforms from a natural or semi-natural state for a purpose such as agriculture or housing subdividing real estate into lots, typically for the purpose of building homes developing property or changing its purpose, for example by converting an unused factory complex into condominiums.





Real-estate developer:

A real estate developer (American English) or property developer (British English) makes improvements of some kind to real property, thereby increasing its value. The developer may be an individual, but is more often a partnership, limited liability company or corporation. There are two major categories of real estate development activity: land development and building development (also known as project development).


Land developers

Land developers typically acquire natural or unimproved land (often referred to as englobo land, raw land, real property with no improvements or infrastructure) and improve it with utility connections, roads, earth grading, covenants, and entitlements. Infrastructure improvement provides a base for further development of built improvements. Covenants define the context in which future development of built improvements may take place (often in the form of deed restrictions on particular parcels: a sort of "private zoning code" limited only to those properties). Entitlements are secured legal permissions from regulatory bodies (typically in the form of permits, but sometimes in the form of re-zoning or planned unit developments). Once these improvements have been made to the raw land, it is typically subdivided and sold piecemeal at a profit to individuals or building developers.


Building developers

Building developers acquire raw land, improved land, and/or redevelopable property in order to construct building projects. The buildings are then sold entirely or in part to others, or retained as assets to produce cash flow via rents and other means. Some building developers have their own internal departments for designing and constructing buildings (more common among larger developers), while others subcontract these parts of the work to third parties (typical of small developers).


Where do developers come from?

Although there are specific educational programs which are tailored to teaching real estate finance with an emphasis on development (typical MBA programs at university-level business schools), most real estate developers enter the business from other professional areas. Most often, persons in related fields (architecture, accounting, law, engineering, construction, planning, etc.) enter into real estate development via personal interest and opportunity, and then choose to make a career out of it if successful. An educational background in finance is typically a prerequisite for obtaining entry-level employment with an established development company, although many development company managers tend to come from architecture, construction, and related fields. Real estate development requires extensive and complex financing arrangements to be successful, as few people or organizations have the money to undertake development projects on their own (see below).


Economics

Real estate development is first and foremost a cash flow business.

Real estate is, by its nature, an expensive non-liquid asset. This means that it costs a lot of money to own it, and it can be difficult to sell. In development activity, there are also the added costs of improvements themselves (typically called "hard costs") and the fees of various and sundry consultants necessary to get the work done properly (typically called "soft costs"). Because expense is high, sale is difficult, and return on investment is delayed, real estate investment is inherently risky. A large part of the work of developers is the management of risk.

Since there are significant initial investment requirements, a majority of real estate development projects are financed with a large amount of debt leverage. While more leverage increases potential profit, it also magnifies risks and builds in a periodic negative cash flow (regular payments on the debt). Projects will generally be profitable if the upfront commitment of cash is kept to a minimum and the project can quickly start generating a positive cash flow sufficient to cover debt service.

There are almost as many ways to finance a real estate development project as there are development projects. However, most financing arrangements fall into a few broad categories:

Private investors (pension funds, insurance funds, wealthy individuals, joint ventures, etc.)
Public investors (REITs, share offerings, public-private partnerships, etc.)
Private debt (individual loans, bank mortgages, construction loans, etc.)
Public debt (redevelopment loans, etc.)
Private grants (non-profit target grants, etc.)
Public grants (anti-blight subsidies, affordable housing credits, tax incentives, historic preservation grants, etc.)
Equity financing (use of cash flows from other projects owned by the developer)
Subordination

Successful real estate developers can become enormously wealthy due to the large sums of money being transacted and the value of the assets they control. However, because of the illiquidity of their assets, they are also very often cash-poor.Inability to remain cash solvent is the primary cause of business failure for real estate developers.


The process of real estate development

Although the process for development of real estate varies from project to project, the various phases can be categorized roughly as follows (in approximate chronological order):

Market research
Site selection / feasibility analysis
Due diligence / preliminary pro forma
Property acquisition, perhaps using option to buy
Project design / refined pro forma
Obtain entitlements
Financing / final pro forma
Construction
Lease-up / sales
Operation (in cases where the project is retained as an asset)


Current development is very rapid and now is the chance for us to make large profits in this business. In an effort to increase the financial freedom of our investors, we have decided to start our own fund 'LandProfit'. We offer three plans, 6% weekly, 15% bi-weekly and 33% monthly for 270 days. Both plans are not the highest rates but we provide a stable return for the long term and a possible bonus when profits are higher than expected.

We accept e-Bullion and Liberty Reserve as a payment processor. If you don't have an account, you can get one by following the link below.
Liberty Reserve is free and e-Bullion requires approximately $5 at the maximum per month as an account maintenance fee when its balance is more than $5.

Edited: already posted]]> Fri, 28 Mar 2008 10:46:06 -0400 47873 http://www.dreamteammoney.com/index.php?showtopic=46478

DENVER (AP) - When the American Dream failed Arlin Gonzalez, the 31-year-old native of Mexico looked homeward for a second chance.

The divorced mother of two sold her Denver home after she could no longer afford the mortgage payments. Then she spotted a TV commercial advertising across-the-border mortgages to people living in the U.S.

A house in Mexico, she thought, could be a good investment for her children's future. So Gonzalez bought a home in northern Mexico with a fixed interest rate, paying $400 (259) a month for 15 years. And she was able to stay in Denver by renting.

"The experience that I had here was that I could kill myself working four or five jobs and still end up with nothing," Gonzalez, a teacher's aide at an elementary school, said in Spanish.

Despite the nation's foreclosure crisis, such cross-border mortgages are becoming more common as companies seek to capitalize on the growing earning power of Mexican immigrants, who in January alone sent $1.65 billion (1.07 billion) back to their homeland, according to Mexico's central bank.

The Denver company that provided Gonzalez's mortgage, called Su Casita, or "Your Little House," finances up to 90 percent of home costs and requires a down payment of at least 10 percent.


That's one reason its mortgages typically don't go into default, said Jose de Jesus Olivares, a spokesman for Sociedad Hipotecaria Federal, a Mexican federal agency that regulates and helps fund mortgage lenders doing business in Mexico.

"Our job is to serve the immigrant, to help them bring their dreams to life," said Ivan Funes, general director of Houston-based Conficasa, which offers cross-border mortgages catering to Mexicans in New York, Atlanta, Chicago, Dallas, California and Ohio. "A lot of Mexicans go to the United States dreaming that they will one day return to their beloved Mexico."

Mortgage interest rates are higher in Mexico than in the U.S., ranging from 9.5 percent to 14 percent, but they are fixed, another reason foreclosures aren't common, Olivares said.

Many U.S. homeowners slid into foreclosure when rising interest rates put monthly payments on their adjustable-rate mortgages out of their reach.

Mexicans in the U.S. typically earn double the wages of Mexican residents and are able to pay for their homes faster, Olivares said. The houses they buy are larger than what they could dream of buying if they had stayed in Mexico.

Su Casita and other cross-border mortgage companies don't require proof of legal status in the U.S. - only that their clients have a job and can pass a credit check. Home prices typically start at $30,000 (19,459).

Santiago Noriega Sanchez, a spokesman for the Mexican agency that regulates mortgages, said the requirements have the blessing of the Mexican government and that no one in the U.S. has complained about buyers' legal status going unchecked.

"The situation is completely transparent," Sanchez said, noting that Mexican consulates in the U.S. advertise the mortgage programs.

Immigrants have long been underserved by U.S. banks, most of which require a Social Security number for loans and other types of credit. Changing those policies has been difficult for lenders such as Bank of America , which faced calls for a customer boycott last year when it tested a credit card that did not require a Social Security number - allowing illegal immigrants to apply.

Su Casita, which has 171 offices in Mexico, moved to Denver in 2003 after President George W. Bush and Mexican President Vicente Fox signed an agreement to improve the Mexican economy by encouraging investment in housing, especially in areas with high immigration rates. The company also operates in Dallas and Chicago and plans to open offices in Houston and California later this year.

Most of the houses Su Casita sells are in the states of Jalisco, Michoacan, and Aguascalientes - not popular tourist hot-spots like Acapulco or Puerto Vallarta.

As houses are built in low-income areas of Mexico and demand increases, jobs are created for construction workers, and that offers an incentive to stay in Mexico, said Francisco Aranda, Su Casita's regional manager.

The cross-border business extends to the building-materials industry, too. Houston-based Construmex lends money to U.S.-based immigrants so they can buy building supplies, then it delivers the materials throughout Mexico. The company serves cities from New York to Atlanta to Phoenix, and has done business with at least 60,000 customers in the United States.

Su Casita's first Denver customer was Ruben Sanchez, a native of Mexico who bought a house for his mother in his hometown of Las Trojes in the state of Michoacan. Pictures of the home are classic before-and-after advertising: A windowless, ramshackle house made mostly from sticks replaced by a new cement house with windows.

Arlin Gonzalez picked a house in Coahuila, a state that borders Texas, in a neighborhood near an airport. It has three bedrooms and a garage.

Gonzalez, a U.S. citizen who has lived in Denver for seven years, said she bought the home not for retirement but because her ex-husband and father of her children, ages 3 and 11, has family there.

"They might want to go back home to visit or go to college there," she said.

Source: RsAol]]> Tue, 11 Mar 2008 20:56:59 -0400 46478 http://www.dreamteammoney.com/index.php?showtopic=45810

The information below, reasons to invest in Silver Coast property, is focused on the economic considerations, future investments and infrastructure in the Silver Coast region of Portugal.

# A Pricewaterhouse Coopers and a Place in the Sun report put the Silver Coast Portugal within the top three countries most likely to make you the most money in the next 10 years.

# A report by the Strategic National Tourism Plan states that the tourism receipts will increase to 12 thousand million (12 billion) by 2015 and the report also concludes the Silver Coast will be one of the main growth areas.

# Portugal and especially the Silver Coast have strict planning regulations that will ensure the low density of new developments and keep the supply and demand levels balanced.

# Portugal is rapidly becoming centre stage for eco-investments within the Euro zone. And the Silver Coast is no exception with signs of renewable energy dotting the countryside.
Investments into solar panel farms, wind turbines, wave turbines and eco-villages are attracting blue chip corporations and high net worth investors into the area.

# According to Barclays bank the number of Irish and British citizens who plan to buy abroad will double in the next 5 years.

# Until 2013 the EU plan to fund €8.8 million per day to improve the Portuguese economy and infrastructure.

# Portugal can be seen as a low risk, established and safe investment environment.

# Portugal has a long established tourism market and you will find close to 100% occupancy in the summer months in the most popular tourist spots, including Nazare, Sao Martinho do Porto, Foz do Arelho and Obidos.

# Portugal, the UK and Ireland all adhere to the EU double taxation treaties allowing non-residential
Portuguese property owners to avoid double taxation including capital gains tax and rental income tax.

# The Portuguese banks encourage non-residents to take out a Portuguese mortgage and the process is relatively easy to obtain an 80% LTV interest only mortgage.

# Terminal 2 at Lisbon airport was opened for business this year 2008 to increase the volume of low cost airline traffic to the capital.

# A new TGV high speed rail link Lisbon to Madrid is planned for 2010 with completion by 2015. The TGV will reduce the journey from Lisbon to Madrid to 3 hours from currently 10 hours.

# Two new modern state of the art shopping centres are to be built in Caldas da Rainha. One to be finished in spring 2008 and the other in spring 2009. One of these projects will be built be the Sonae Group.
www.sonae.pt. They will consist of shops, supermarkets, cinemas and restaurants.

# A Jurassic Theme Park is to be built in the town Lourinha with the construction to start in 2010 with the intention to attract more than 250,000 visitors a year.

# Finally and most importantly 4 new 18 hole championship golf courses are currently under construction in the council's of Obidos and Caldas da Rainha. They are Royal Obidos, Falaesia del Rei, Rainha Golf and Bom Successo. All of these golf courses will include luxury villas and apartments plus 5 start hotels thus making the Silver coast area of Portugal a dominant force in the world of golf tourism.]]> Tue, 04 Mar 2008 22:32:23 -0500 45810 http://www.dreamteammoney.com/index.php?showtopic=45228
Limited Brands also said it expects its first-quarter gross margin rate to decline.

The retailer, which operates the Victoria's Secret and Bath & Body Works chains, said the reduction in real estate projects should lower its planned capital expenditures by $85 million.

It made the comments on a conference call. Late on Wednesday, the retailer reported lower fourth-quarter net profit, hurt by markdowns, weak store traffic and scaled-back circulation of its Victoria's Secret catalog. (Reporting by Nicole Maestri, editing by Gerald E. McCormick)]]> Fri, 29 Feb 2008 02:59:28 -0500 45228