Why Hire Painting and Decorating Specialists


Nothing can simplify and accomplish a task like experts do. If what you want is money-savings, you may opt for do-it-yourself painting and decorating. But if what you want is time-savings, convenience, great results and unique appeal, you definitely require the aid of specialists. If you give things further thought, you might even realise more [...]

Why Hire Painting and Decorating Specialists is a post from: Real Estate Experts

What Do You Love About Your Property For Sale in Turkey?


Think about what items and features you will miss about your property for sale in Turkey when you sell it. Will you miss the amazing views of the ocean, the quiet gardens, the local restaurant, or the beach which is only a five minute walk away? These items that you will miss most about your [...]

What Do You Love About Your Property For Sale in Turkey? is a post from: Real Estate Experts

How to Get Your Property for Sale in Turkey Found By the Search Engines


By using the internet, you can make sure that your property for sale in Turkey is seen by interested buyers from all over the world. You can make sure that your property for sale in Turkey is seen by more potential buyers by making sure that it is found by all of the major search [...]

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Calculator reverse mortgage

For those who still do not know the A Reverse Mortgage is a unique loan that allows homeowners and older to convert part of the equity in their home into monthly income or cash, without having to sell their home, give up title, or take on additional monthly mortgage payments.Reverse mortgages also work in a purchase transaction. You can purchase a home without making a single monthly mortgage payment. This option allows seniors to move close to family when the need arises. There are various ways seniors can benefit with a reverse mortgage including receiving additional tax-free monthly income or a lump sum payment, cancelling a current mortgage payment, funding long term care insurance and in-home care, renovations and repair work to their homes http://www.allrmc.com and became the most appropriate place for those looking for reverse_mortgage_calculator.php ,It can be confusing to know whether to get a variable rate or fixed rate mortgage, and what features are important. That's why it's important to not only check the best rates, but make sure that you're getting the right features in your home loan.Reverse mortgage loans give the elderly a chance to use their homes equity to secure tax-free cash without sacrificing their ownership for their home and if you are interested in learning more about reverse mortgage right now and get free .pdf guide "introduction to reverse mortgages" to just come www.allrmc.com.

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5 Free Screen Sharing Sites

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5 Free Screen Sharing Sites

Have you ever been talking on the phone with someone and wanted to share your computer screen with them?  Even if for a moment, just to show them something?  How about that conference call with two or three people on the line and no way for them to see what you see on your screen?

In most cases, people just share or mention sites, give a URL, or email everyone a link. 

GotoWebinar, GotoMeeting, and Webex are great sites and tools for doing online conferences, training, webinars, and screen sharing but they are not FREE.  I continue using these for daily training and support webinars but what about the individual who doesn’t have tons of attendees, or doesn’t want to pay hundreds of dollars for a “screen sharing” account?

Let me show you how screen sharing can be easy, fast, and FREE!

Here are the Top 5 Free screen sharing and collaboration sites I’ve found, researched, and used personally either to share my screen “live” with someone else, or to have them share their computer screen with me.  Check out all 5 and see which one will work best for you when the time comes for you to share your screen with one of your clients or friends.

Click on any of the screen captures below to start using that site immediately and for FREE.

1. JOIN.ME -
To see my screen "LIVE" right now, got to http://join.me/577-819-446 but only for the next 60 minutes.





Here's A few creative ways to use these screen sharing tools and sites:

  • Showing a client how to use your MLS or IDX website.
  • Teaching another associate how to accomplish tasks for your business.
  • Walking a client through some paperwork or online contracts.
  • Explaining and navigating a client through a site that can bring them value, or...
  • Sharing a tool or site with a prospect that could bring them closer to being your client.

The possibilities are unlimited and the technology and tools are available and FREE.





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Anna Maria island vacation rentals

Looking for a pleasant and safe place where you can spend your holiday? Your best option is Anna Maria Island ,Lovely Anna Maria Island is touched by three tropical bodies of water. The Gulf of Mexico on the western shore and Sarasota Bay, as well as Anna Maria Bay on the Eastern Shore. In addition, Anna Maria Island is northernmost on a string of barrier islands that extend in a southerly direction, the only other set of keys in this latitude aside from the infamous Florida Keys With its temperate year-round weather, Anna Maria Island has truly become the place most desired by all people looking for rest,All who visit willingly surrendered their days to being entranced by warm lapping waters and white sugar soft sandy beaches If you’ve been searching for a breathtaking, unspoiled vacation spot, then you’ve found it with Anna Maria Island. A quaint, old-Florida strip just 7 miles long, finding ideal vacation rentals on Anna Maria Island guarantees you’ll be moments from the beach When the weather is cooling off everywhere else, plan your getaway to one of our many beach vacation rentals on Anna Maria Island. The fall weather is ideal, giving vacationers temperatures in the 80′s, but with very little humidity. The water near our Gulf coast rentals are still warm enough for swimming or water sports, pleasing beachgoers and families alike. Anna Maria, Bradenton Beach, Holmes Beach, and Perico Island all stretch along the gorgeous coastline, providing plenty of room to carve out your special niche.will have a great time alone or with this sensational location, then from that moment when you want Anna Maria Island vacation rentals do not need to go looking elsewhere, come straight to www.annamaria.com,and a safe and pleasant you will still have a great service with professionals at your disposal.

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Irvine Housing Blog

Irvine Housing Blog

Link to Irvine Housing Blog

Donald Bren on the recovery: “No. I don’t see the light.”

Posted: 08 Nov 2011 02:30 AM PST

When asked if he sees the light at the end of the economic tunnel, Donald Bren replied, "No. I don't see the light."

Irvine Home Address ... 69 CARTIER AISLE Irvine, CA 92620
Resale Home Price ......  $400,000

I never cared much for moonlit skies
I never wink back at fireflies
But now that the stars are in your eyes
I'm beginning to see the light

Ella Fitzgerald

While the Irvine Company touts their bold building plans as a beacon of hope for a recovery in the real estate market, Donald Bren, the chairman of the Irvine Company isn't quite so optimistic.

Irvine Co.'s Bren plans for slow recovery

Published: Oct. 28, 2011 Updated: Oct. 31, 2011 7:20 a.m.


"No. I don't see the light."

That's how arguably the most successful American real estate developer – Donald Bren of the Irvine Co. – answers the "Do you see the light at the end of the tunnel" question about the overall economic outlook.

Bren, 79, was honored last week by the Urban Land Institute trade group with its new Vanguard Award for a career of cutting-edge real estate planning and development. The billionaire – ranked No. 26 on Forbes' list of America's wealthiest with an estimated $12 billion fortune – sat down with The Orange County Register to discuss his business success and the economic outlook.

He described an overall national economy in deep distress. To Bren, the business climate suffers from both a lack of leadership – a slowly reacting government and skittish business leaders – plus limited financing that only provides fresh funds to the lowest-risk individuals and companies.

"We've all been into it for five, six years," Bren says in an exasperated tone that symbolizes the frustrations of most Americans – business icons as well as modest individuals – at the slow pace of the rebound from the Great Recession of last decade.

Bren and the Irvine Company embraced the false rally of 2009. I think they were genuinely surprised when it fizzled out. Their plans were clearly to build on momentum from the false bottom in 2009 with a large production run in 2010 extending into 2011 and beyond. When the props were removed from the market and the underlying problems frequently discussed here surfaced, I don't think they anticipated it. Empty developments like Orchard Hills and half-dead developments like Portola Springs speak to this reality.

Bren's own businesses are seemingly faring far better than the lethargic regional and national economy. The owner of the large, private development company kept most of his finances out of the discussion at a conference room overlooking the Pacific at his company's Newport Beach headquarters. He did mention that the company has been profitable each year throughout the downturn. Plus, the company's grade A credit rating remains intact – a rarity for real estate enterprises. That financial resolve has allowed the Irvine Co. to finance its recent growth spurt, in part, through business lines of credit.

Bren has been conservative in his use of debt which is part of his success. Most real estate entrepreneurs lever up to the max and roll the dice. If they win, they win big, but if they lose, they completely crap out and lose everything. When I look at the Irvine Company's holdings what impresses me the most is the wide variety of blue-chip cashflow properties they have developed and acquired. Their biggest hurdle is figuring out how to invest all the excess cash they have coming in.

It's no secret that construction is in a horrific slump nationwide. But look around Bren's land holdings and you'll see a rarity: extensive building of new homes, apartments – and even an office tower at Fashion Island.

This activity isn't any wild bet. It's largely the result of Bren's basic business mantra: "We can't predict, but we can plan."

Based on how heavily they bet on the bear rally, I would agree: they can't predict.

He's leveraged the long-running homebuying appeal of Irvine – plus tax incentives for buyers in 2009 and 2010 – to get an early jump on a new homes rebound, selling 1,722 residences in north Irvine since the start of 2010. That's almost triple the budgeted pace.

That sounds great, but they were touting they sold 1,350 in 2010, so tha puts them on a pace to sell less than 400 in 2011.

His extensive apartment portfolio is nearly full with tenants, so he's aggressively adding new complexes in Irvine – plus in Silicon Valley. And he's constructing a new office tower around the bend from Irvine Co. headquarters only after he signed a world-class tenant to occupy the building: money management giant Pimco.

But Bren admits his overall business hasn't grown this year as fast as hoped. Rentals of his office space, for example, may be on the upswing – but the rents tenants will pay aren't acting in tandem. Then again, shopping increases at his malls are a pleasant surprise.

"What we do is plan, then make adjustments," Bren says.


What you don't get from Bren – in watching him accept the ULI award or in an hour's interview, at least – is as much bravado as you'd expect from a guy who's survived four-plus decades of vicious real estate cycles and emerged with America's largest real estate fortune.

He heaps praise on members of his executive team, as well as William Pereira, who authored the original Irvine master plan. Plus, he cites old-school real estate logic – "Location, location, location" – because he's owned land in a great spot.

Bren's humility is admirable. The man's genius is apparent in how me managed to add 30%-50% to the value of the land he purchased through good planning and a commitment to quality. He could have amassed a fortune building out the Irvine Ranch as a run-of-the-mill subdivision, but he aspired for something greater, and he succeeded in creating it.

Bren notes that geography tells one a lot about economic opportunity these days. Especially, when he speaks of what he calls "two Californias."

His analysis essentially divides the state, down the middle, west to east. (He mentions this confused East Coast financial types, who tend to think of north-south divides. And it bemuses Bren that major financial players have yet to figure out a state that Bren boasts has the eighth largest economy in the world.)

Bren's "two Californias" comprise a reviving, even "vibrant" collection of coastal metropolitan areas – with 100,000 jobs added in a year, by his math. That's in harsh contrast to California's inland areas that are "devastated, maybe as bad as Nevada."

I guess he won't be picking up any cashflow properties in Las Vegas....

The state hot spot, in Bren's eyes, is clearly Silicon Valley. There, he says, some of this era's greatest artists – and Bren is a student of art – are creating innovative new products and services. Not to mention creating jobs and a thriving regional economy.

The industrial art discussion leads to brief talk about the late Steve Jobs of Apple fame. Bren says he'll soon be diving into a new biography of the technology visionary, part of what he's said is a lifelong pursuit of understanding other business giants' wisdom.

As for the state as whole, Bren's a touch optimistic, saying the trend line is "positive ... barely." California's economy, "has been jolted," Bren says, and clearly the recovery is at a pace "not what we're used to."

Without rising house prices and the associated Ponzi borrowing, the California economy will continue to suffer.

He knows too well that economic challenges abound in the state. Still, there's this coastal rebound and a continued influx of new residents.

"People do leave, to Texas and places," a tiny dig at critics who use the Lone Star State as an economic example. "But that's just a small part."

In part of the ULI award ceremony in Los Angeles on Thursday, Bren expressed his great frustration with land-management bureaucracy.

He bemoaned the fact that it's unlikely that we'll see more major master-planned communities like Mission Viejo and Irvine that he helped create. Current regulations, he fears, would make it too difficult. He noted it took a 28-year battle with California's Coastal Commission to win approval for resorts and homes at Newport Coast.

He is probably right. The era of the large master-planned community is probably over. For starters it's too difficult to assemble a large enough parcel of land unless you go way out in the hinterlands, and with the perpetual tightening of regulations, it's far too difficult to develop over multi-decade timeframes.

Yet he's not in the all-regulation-is-bad camp. When he talks about what got the nation into its economic mess – particularly housing – and what might get it out of its funk, Bren bluntly notes government's role. In the middle of last decade, it was obvious to Bren that the mortgage process was being abused by everyone from borrowers to mortgage makers to Wall Street that was reselling the loan to investors. Shoddy loan-making eventually killed real estate.

While it may have been obvious, he didn't mind taking advantage of the morass to sell overpriced homes.

Post collapse, Bren is pained that the government isn't more effective in helping real estate rebound. In housing, for example, a new move by the Obama administration to give refinancing help to troubled homeowners may help, but Bren doesn't think it will be enough. And Bren says calls from some political and economic circles to force more foreclosures and "cleanse" the housing market will only lead to another disaster.

Government help, he says, "has to go further ... it has to go beyond normal."

Bren knows the value of his holdings is quite volatile depending on the resale value of houses he can build on his land. Raw land is a very leveraged asset due to the way residual value winds up in the land. When prices go up, most construction costs are fixed, so the price increase becomes profit. Unfortunately, when prices go down, the reverse is true. (See Valuation of Lots and Raw Land). His comments seem self serving, and they probably are.

Much of Bren's criticisms are subtle, polite – and worth noting.

Yes, a crazed mortgage market – with many to blame – created the real estate debacle. But Bren says homebuilders didn't help their cause by continuing to sell "50-year-old designs."

The Irvine Co.'s recent house selling success has been tied to novel designs that eliminated lightly used formal dining and living rooms, traded for large great rooms that tied into small-yet-functional patios. As is expected from Bren, these new designs were hatched only after two years of extensive consumer research.

The Irvine Company has really been touting these "innovative floorplans." I like them, but they only real innovation I see is they managed to create a functional space they could build for $50/SF so they could make greater profits at lower price points.

And Bren is clearly no fan of Wall Street, saying that the Irvine Co.'s private ownership is a tactical advantage. He thinks the fickle, short-term demands of Wall Street investors mess with the long-term nature of solid real estate strategy. And Bren knows: Two decades ago, he briefly ran his apartments business with public ownership.

In discussing the failures of other master-planned communities, he explains that juggling real estate planning plus quarterly profit goals – not to mention bankers' demands on land-purchase mortgages – zaps a key trait required of the successful developer: "Patience."

You know, having that vision thing.

He is undoubtedly right. Wall Street demands short-term performance at the expense of creating long-term value. Bren is expert at creating long-term value, but his plans may never have come to pass if he had tied in with Wall Street money.

Bren's accountants wince that he chose to give away more than half of his Irvine Ranch to open space – and swatch of raw property five times the size of original plans. Sure, part of that was philanthropy and legacy building. Though, establishing surrounding parkland also creates a tangible asset sold to folks considering Irvine housing vs. some of the wall-to-wall development on hills and valleys seen in other parts of his region.

It was also likely a condition of his approvals that he donate open space. Plus, most of the open space he donated was undevelopable anyway.

"Looking back 100 years, we'll see the open space is the most important feature of Irvine," Bren says. Then he adds, "And the university" – UC Irvine that sits on land Bren donated to the state.

Donating the university was one his best decisions. Having a university in town brings a more educated and higher paid workforce to pay for his houses. The university added much more value to his land than it ever cost him.

And Bren probably didn't have to heavily design everything from his strip malls to his luxury resort to make a buck. But the art historian in Bren wants a product with a lasting look.

Bren didn't directly answer a question seeking his favorite slice of his development career. Yet he took great pride in discussing the pool at the Pelican Hill Resort. He noted fine details, such as its lining of 1 million tiles. And that the pool is visually framed by a series of columns inspired by the Roman-era architectural writing of Marcus Vitruvius.

"Two thousand years old," says Bren of Vitruvius' logic, "And still valid today."

Despite the criticism of Irvine as banal, Bren did create a beautiful community with architecture that will stand the test of time. As with any architecture, it will be dated, but the quality is there, and the dated look will be part of the desired style.

I would also note that not all the looks created have proven timeless and popular. I personally felt the commercial center at Culver and Walnut was ugly, and Bren must have felt the same because it was just redone with a completely different architectural feel.

Ah, longevity. Think what you want about Donald Bren's empire. Nevertheless, remember that not only is he still in business – no small feat, in itself – his company is actively expanding.

He's clearly on the list of business leaders putting big dollars on the line today. And, sadly, that list is a short one.

Contact the writer: jlansner@ocregister.com or 949-777-6727

That was a good report. Kudos to Mr. Lansner.

Larry Roberts is hosting a Las Vegas cashflow properties presentation at the offices of Intercap Lending (9401 Jeronimo, Suite 200, Irvine, CA 92618) on November 9, 2011. Please RSVP at sales@idealhomebrokers.com. Register online here: Las Vegas cashflow property - Intercap Lending

Bought at the peak but still got $100K

The owner of today's featured property bought in mid 2005 with 100% financing, and still managed to extract an additional $100K next year before the market imploded. Not a bad deal. He puts nothing down, gets to live in a property for a year, and the property provides him with $100,000 in spending money. I want one of those too.

This property is available for sale via the MLS.
Please contact Shevy Akason, #01836707 

Irvine House Address ...  69 CARTIER AISLE Irvine, CA 92620
Resale House Price ......  $400,000

Beds:  3
Baths:  2
Sq. Ft.:  1593
Property Type: Residential, Condominium
Style: Two Level, Mediterranean
Year Built:  1989
Community:  Northwood
County:  Orange
MLS#:  U11004470
Source:  SoCalMLS
Status:  Active
On Redfin:  5 days
Proprietary IHB commentary and analysis 

Resale Home Price ......  $400,000
House Purchase Price … $549,000
House Purchase Date .... 5/23/2005

Net Gain (Loss) .......... ($173,000)
Percent Change .......... -31.5%
Annual Appreciation … -4.8%

Cost of Home Ownership
$400,000 .......... Asking Price
$14,000 .......... 3.5% Down FHA Financing
4.18% ............... Mortgage Interest Rate
$386,000 .......... 30-Year Mortgage
$112,142 .......... Income Requirement 

$1,883 .......... Monthly Mortgage Payment 
$347 .......... Property Tax (@1.04%)
$0 .......... Special Taxes and Levies (Mello Roos)
$83 .......... Homeowners Insurance (@ 0.25%)
$444 .......... Private Mortgage Insurance
$140 .......... Homeowners Association Fees
$2,897 .......... Monthly Cash Outlays

-$296 .......... Tax Savings (% of Interest and Property Tax)
-$539 .......... Equity Hidden in Payment (Amortization)
$21 .......... Lost Income to Down Payment (net of taxes)
$70 .......... Maintenance and Replacement Reserves
$2,153 .......... Monthly Cost of Ownership 

Cash Acquisition Demands
$4,000 .......... Furnishing and Move In @1%
$4,000 .......... Closing Costs @1%
$3,860 ............ Interest Points @1% of Loan
$14,000 .......... Down Payment
$25,860 .......... Total Cash Costs
$33,000 ............ Emergency Cash Reserves
$58,860 .......... Total Savings Needed

Larry Roberts and Shevy Akason are hosting an OC housing market presentation at the offices of Intercap Lending (9401 Jeronimo, Suite 200, Irvine, CA 92618) on November 9, 2011. Please RSVP at sales@idealhomebrokers.com. Register online here: OC Housing Market - Intercap Lending.

real estate home sales

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