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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.
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 - 2. SHOW MY PC or SHOW MY MAC 3. LIVE LOOK 5. SKYPE SCREEN SHARING Here's A few creative ways to use these screen sharing tools and sites:
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.
Irvine Housing Blog
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
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 recoveryPublished: Oct. 28, 2011 Updated: Oct. 31, 2011 7:20 a.m. By JONATHAN LANSNER
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 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. 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.
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.
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. Without rising house prices and the associated Ponzi borrowing, the California economy will continue to suffer.
QUIET CRITIC 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.
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. 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.
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.
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.
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. 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.
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 $100KThe 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. -------------------------------------------------------------------------------------------------------------------------------------------
Irvine House Address ... 69 CARTIER AISLE Irvine, CA 92620 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. |
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