Ocean View Property For Sale ? Buy Cheaply and With Big Capital Growth Potential

People who took a chance and invested in coastal property in California, Hawaii and some parts of Florida with a $30,000 investment in any one of the three states mentioned above 30 years ago could have returned over $1,000,000.

Today Ocean view properties for sale here are expensive and Americans are looking elsewhere for property that?s cheap and has huge growth potential and getting an affordable slice of paradise

Where are they buying?

Ocean view property for sale can be purchased for just $60,000 and have huge growth potential and Americans are buying in increasing numbers in Central America.

Just a 3 hour flight away and yet ocean view property for sale is up to 70% cheaper than in the USA!

The main market is Costa Rica a safe, stable, friendly country with huge and growing foreign investment. Gains have been stunning for example.

Investors that purchased $30,000 of property in the town of Jaco, just 15 years ago are now worth as much as $750,000.

The Marriot Corporation which built its crown jewel of Latin America Los Suenos Resort and pre sold 50 condos of 2000 square feet for $250,000. The next year Marriot sold another fifty at $350,000. Now this years upper end units are being sold between $450,000 to $850,000.

The same scenario as California, Hawaii & Florida?

The boom in Central America has only just started, record investment and migrants from the US will push prices higher and we could see similar increases here over the next 10 or 15 years as we have seen in the USA.

The boom is set to continue

More Americans than ever are buying second homes and much of the US is expensive, yet Costa Rica remains cheap and gives a high standard of living at lower cost in one of the most beautiful countries on earth.

Buyers of property get the same rights as residents, property tax is minimal and the process of buying and selling is easy.

The capital gains potential

Ocean view property for sale can and does make many savvy investors triple digit annual gains and they are doing this with low risk. Furthermore, they are also able to gain income from the buoyant rental market.

If you are looking for a holiday, a second home or an investment property, then look at the booming ocean view property for sale market in Central America, you will see similar potential for gains that existed in America 30 years ago and the boom has only just begun.

Consider the facts and get on board for big capital gains potential combined with low risk.

FREE REPORT

Showing you all you need to know to make big gains by investing in property

and all the facts about this exciting investment visit http://www.costaricalandlots.com

Creating Great Curb Appeal to the Outside of Your For Sale Home 7 Easy Ideas and Advice

No matter how beautifully decorated the inside of your home may be, if the outside of the house does not reflect what lies behind the front door, you may easily lose the sale.

Potential homebuyers frequently make a list of homes from various internet sites, advertisement listings or through a realtor that they wish to see and then drive by these homes to get a ?feel? for the property and the house. Bottom line, if your home looks unappealing from the outside there is a good possibility your home will be crossed off the list of potential purchases.

Decide to spend a weekend fixing up the outside of your home and stick to a plan.

1)Call two or three local landscapers and ask them to come out for a landscape appraisal but most importantly ?pick their brain? for ideas of how best to show your home. Explain that you are selling the home and wish only to make the most of the exterior at minimal cost to you. In some cases, you might be surprised, particularly during slow landscaping seasons that you can afford to have a professional lightly landscape your property or at least modify a portion.

For less than $500, an associate of mine had a local gardener come in and plant 12 tropical plants, 8 large flowered bushes, trim the existing trees to shape, pull the weeds, cut out sod to merge two planting beds, plant 20 small flowering bushes and throw down several bags of mulch in 2 afternoons.

She also saved a little more money by having him transplant bushes from another part of the property to the front where she planned to create a more dramatic impact. Further, his price included clean-up and removal of gardening debris, which saved her a lot of time after the work was complete. Her soil was very hard to dig into and it would have taken her twice as long to dig one hole as it did for the gardener to dig several; he was familiar with such difficult work and he had all the right tools to do it quickly. My associate only paid him to service the front beds while she saved money by cleaning up the smaller side beds on the side property by doing it herself. (The gardener even let her borrow his expert tools as long as she promised to return them the following day, which she did.)

You might be surprised at the minimal but well-worth price of hiring a professional gardener, particularly if you find a local, one-woman/man operation with low overhead. Someone starting a new business might also be less expensive in trying to build a clientele while my associate in turn offered to advertise the gardener?s services by keeping business cards on hand during real estate visits.

Consider having him/her do a portion of the work and then do the less difficult areas of your home yourself. Even if you do not have a landscaping budget, call a few local gardeners to come out for a quote just to get some great landscaping ideas you can use yourself. Most are willing to spend a few minutes of their time even if you do not use their services. Take their business card anyway and offer to send them a referral. It is all part of doing business. So consider hiring a professional gardener to add curb appeal to a tired property.

2) Stand at the curb of your property and look the land from the perspective of the drive-by potential buyer. Get in the car and drive down your street and look at the way your property compares to your neighbors. If your neighborhood is well-cared for but your property is not; where the trees are overgrown and the weeds are hiding your front door is a clear indication your home will stick out like a ?sore thumb? and you may lose the sale. If you live in a neighborhood where your neighbors? landscaping is ?so-so?, this is your opportunity to shine.

My associate explained that she once lived in a brand new home in an older neighborhood where few people took the time to landscape nicely so anything she did?add a border, plant a few bushes, and place a park bench near the front driveway with container plants, certainly looked amazingly better than the homes around her property. When the time came to sell this home, she took a ride around the block and took the position of the potential buyer. As a drive-by buyer canvassing her own street, my associate noted that the viewer would see blas? curb-appealed homes and then come upon her own, where the flowers were blooming, the green grass was trimmed, the containers were filled with flowers and the inexpensive park bench at the end of the long driveway looked inviting. So plan your landscape to stand out from the rest and if your budget does not allow for the extras, then the next rule of thumb is to just make the property look ?neat??.

3) Neatness in landscaping is important. If a property looks tidy, the impression you will give to the drive-by buyer is that the inside is neat and well-cared for as well. Even if you are not a neat person, make an effort to neaten up the exterior. Find someone who has a ?neat? eye and ask for their opinion.

Trim the grass and if you have spotted, brown grass, invest in a bag of grass seed and water frequently to encourage growth. Baby-sit the seeds and if necessary, place a barrier around the area to keep children and pets from stomping on them. Cover new grass-seeded areas with hay or grass clippings to prevent blowing away, from birds eating the seeds and to keep moisture in. Water newly seeded areas daily.

If you have time before you place your home up for sale, fertilize your lawn?it can make a huge difference in how healthy and green the lawn shows from the street. If you do not have grass, then create areas with grass. Consider removing areas covered in stone or weeds and planting with either seeds or sod. It is a big project if you have little or no front lawn so elicit help from friends and neighbors if needed. Having some kind of greenery in the form of grass makes a huge difference to a buyer. Grass is a great canvas to making other areas of your property stand out and grass appeals to many who grew up with front lawns or always wished they had one.

If you live in areas where it is impossible to grow grass, adding stone is another possibility however, be sure that stone works in that area of the country in which you are selling. Stone lawns usually fit in better in coastal properties where sand is the foundation and the cost of carting in topsoil is enormous. I often feel that all-stone frontage looks out of place in neighborhoods where lawns are more prevalent and in some cases can give the impression the homeowner really cannot be bothered to maintain a lawn. I feel that stone is not a warm product if used in very large areas and should be contained in smaller garden beds if possible.

4) Once you have the grass, fix up the existing beds. (If you do not have any beds in your property, this would be an entirely different article. This article deals with homes, which have garden beds already in place that need sprucing up.)

Garden beds help soften the hard lines of sidewalks, walkways, and the rigid angle of homes. Once you have weeded these beds, ask yourself, ?Does the design of the current beds allow them to be connected in some way across the front of the home? Do my beds flow?? The reason that I bring this question forward in a Curb Appeal article is that my associate explained to me that she used to have to separate garden beds in front of her home; one ran right across the front left-side of the home and the other ran down the side of the driveway. Both beds were disconnected from each other separated by a walkway. This separated design made the frontage look severed and harsh. So she cut out the sod from the bed in front of the house, around the walkway and made a connection to the bed nearest the driveway. It looked like one continuous snake-like bed and once planted with similar foliage the entire property looked really ?pulled together?.

In doing this she accomplished two things: 1) Softening the hard angles of the walkway, which did not have a garden bed in front of it and, 2) the property had the look of what my colleague refers to as ?fluid design?. The eye now followed a soft flow from one end of the house where the bed began to the end of the driveway where the bed ended. And?there was a small surprise at the end of that bed too, which made the design interesting and appealing.

At the end of the driveway, which is ordinarily dull space, the garden bed ended in a circular shape and she planted just a few extra eye-catching flowers there; just a nice little touch and the colors were appealing. The path up the driveway, followed around the walkway toward the entrance of the home was entirely landscaped and pulled together with like-flowers and shrubs. Not a whole lot, but it was consistent and it was neat.

5) Another lawn tip from my associate?she did not have time for grass to grow in some ugly, brown and bare spots on her front lawn and in some cases, the grass just never grew back at all. She cut around the bad areas and made a teardrop-shaped cut out on that spot and filled it in with a few container plants she had growing in the yard. My colleague arranged the containers on 3 different levels?small, medium and large and then filled around the containers with mulch to even things out. The arrangement looked very nice. One of her empty containers (she often picks them up in the dollar store or finds disposed of in construction sites), she cut in half and placed it cut-side down on the bare spot on the lawn in front of the 3 flower-filled containers. She filled the cut container with soil and threw in a handful herb seeds, namely dill and in about 2 weeks; the container flowed with pretty green herbs and ?spilled out? the container onto the ground covering the area cut out from the lawn. It made a nice presentation and was not too ?much? and at the same time hid the very worse part of our property. My friend noticed that even after I sold the home, the new owners still kept the container area as it was when she had the home for sale.

6) Another consideration when taking control of curb appeal when selling your home is to remove or trim down those trees and bushes which hide the beauty of your home. So often buyers look at photos of homes, which show a huge tree in front of the house that hides any view from the inside to the street. If you cannot see the home in a photo or in a drive-by viewing, this again reduces the chances that a potential buyer may be interested in your home. No one wants to ?guess? what a home really looks like and if there are overgrown bushes and trees hiding the house, potential buyers do not want to envision having to clear the property themselves. So be bold and trim the bushes down and if necessary, remove whatever seriously blocks viewing the home?s charm and character from the street.

7) Along the lines of seeing a home from the street is the inability to do so if you have cars parked in front that do not always need to be there. Granted, we need to park our cars but if you have the opportunity to take your car to the street or to the furthest end of your property for a few hours on the weekends or, if you have a large driveway and can move the car away from the front of the home, then take the time to do this. Buyers need to visualize the home as it would be if they lived there and anything which detracts from this thought is a non-plus for you as the seller. Weekends are usually the busiest times for drive-by house viewing so if you can move your car to a neighbor?s driveway or off your own driveway for a few hours, do so. It may make a difference in the curb appeal of your home.

Also, as a reminder, if you have any cars, boats or trailers parked in front of your home, which really do not need to be there?a car you were going to work on or an inoperable vehicle without any registration and kept putting off paying to be towed away, make a decision as whether it really needs to be there or not. Call a charity to have it towed away and donate it. Put an ad in the paper or on craigslist for a free boat or project car, but by all means, remove any unnecessary vehicles, which really take away curb appeal and make the property look more like a car dealership or a parking lot than a home.

So the main items to consider when creating curb appeal are to:

?Neaten up the property

?Plant grass or sod wherever possible ? if not possible, hide bad spots with container gardens.

?Trim and cut away trees and shrubbery which prevent drive-by buyers from seeing your property and the home to its fullest.

?Remove cars on higher drive-by traffic days and permanently remove any cars, boats or trailers, which will not be sold with the home.

?Call a landscaper for his/her opinion and talk about a quote for neatening up the property. See if you can afford at least a portion of it to be professionally ?neatened? and if not; get ideas from a professional that you can use later on your own.

Click here for your FREE Report - 450 Ideas to Help Your Home Sell Faster!!
==>http://www.michaeltrustrealty.com/

Michael Trust is a native Angeleno. Born, raised, and educated in Los Angeles, and a homeowner himself, Michael is familiar with the challenges of buying, selling and owning real estate in the Greater Los Angeles area. Michael?s blog, click here =>http://mtrust.realtownblogs.com/

His background is unusual in Realtor? circles. With a baccalaureate degree from California State University, Long Beach, and a Master?s Degree in Management from the University of Southern California (USC), and 15 years of corporate management experience in Fortune 500 type organizations, including responsibility for projects of up to $1 billion, he can help you look at your real estate transaction from a broader business perspective. Michael handles both residential and commercial properties.

Selling a Note Which is Best Partial Sale or Full Sale?

If you are like most people when you consider selling a note, you generally think about selling the entire note. And, in some cases, that may be the best solution.

One of the advantages of selling the entire note is that once you have sold the note, you literally wash your hands-off. You no longer have to worry about collecting the payments, up keep of the property or making sure taxes are paid. You have your money and collecting on the note and worrying about details on this property is now someone else's problem. If the note defaults, you will not be affected by the default if payments are late you are not even aware of it.

But what about the situations where you may need a smaller amount of money immediately and enjoy having the monthly payments as extra spending money. Did you know that you have the option of selling only part of your cash flow or note and continuing to collect the monthly payments on the portion you do not sell?

Partial purchases can be structured in many ways. You can sell the next 12 payments and have the note return to you when those 12 payments have been paid. Or you can sell 24 payments, or 36...you get the picture. If you have a balloon payment you may sell up to the balloon payment and then collect it. This last scenario is less appealing to investors.

Another option is selling a portion of each payment and continuing to collect the unsold portion. For instance, you could sell 1/2 of each payment and still collect 1/2 of each payment. Normally done when the monthly payment you collect is of a substantial amount. In this way, you get a lump sum of money and still continue to collect a monthly payment as well.

Partial payments have some down falls also. On the down side, partial purchases mean you are still need to be involved with the note and if it should default, you are likely to be affected by the default. Make sure you are protected in your contract like what happens in the event of a late payment or default. You want this clearly spelled out in your agreement with the investor before you finalize the sale of the note.

Many times a partial purchase will actually allow you to collect a much larger total sum of money for the note than a full purchase will allow. You may actually end up collecting more than the face value of the note in some instances.

You can read all about deed of trusts, note buyers and partial note purchases at www.deed-of-trust-buyers.net/partial-note-purchase.html.

Representing real note buyers not just a brokering service and offering self-help for those wanting to remain real estate note holders through valuable free material and downloads.

Southwest Florida Real Estate Trends

In a recent survey by the National Association of Realtors (NAR), owners of second homes revealed a number of interesting facts, to which many Naples, Bonita Springs, and Marco Island property owners can relate.

The NAR found out that over 20% of these homeowners who own for vacation purposes own more than one vacation home. Obviously, personal use was the primary reason for most vacation home buyers (only 25% rent at all), but having a home for retirement was a factor for almost one-in-five of these homeowners. When asked what factors influenced their choice of location, two-thirds wanted to be close to an ocean, lake or river; being near to recreational activities was important to 39% of the respondants (especially the beach, boating, fishing and golf); and 38% desired to be near a resort or vacation area. Almost two-thirds of these owners also thought that their property was a better use of their money than the stock market. This should give you a better understanding of why Southwest Florida real estate is the perfect investment opportunity.

With the euro presently being worth a lot more than the dollar, Southwest Florida real estate continues to be a very attractive investment. And international travelers are coming to the area through Southwest Florida International Airport. According to officials, the number of travelers from other countries passing through the facility has increased over 16% over last year. These statistics are based only on flights directly from Canada and Europe that landed at the airport.

If you are waiting for home prices in Southwest Florida to drop before making your purchase? The wait may not be worth it in the long run, especially if you are financing your purchase. The recent trends in interest rates, and the number of the times the Fed has raised the prime over the past two years has been widely published. And with any inflationary pressures, this trend may continue. By waiting, your financing for any Bonita Springs or Naples real estate cost will most likely increase, and over the long run be more costly than a small decrease in purchase price. Investing in Southwest Florida real estate is an excellent opportunity at the present time, with historically good interest rates and an excellent inventory. Don?t forget we always have the underlying drivers: the weather, the beaches, the activities, and the lifestyle.

And for the first time in history, property values in Collier County exceeded $100 billion, according to preliminary estimates for 2005. These estimates were released by the Collier County Property Appraisers Office, and also showed the county's taxable value to be roughly $77 billion. This is a 25% increase of the tax base over 2004, as well as a potential corresponding increase in county revenue. The difference between property value and the tax base is primarily due to the homestead exemption and Save Our Home, which caps property assessment increases at 3% per year for full time residents on their Bonita Springs or Naples real estate.

We have always believed that Naples and all of Collier County was a great place to live. Now the American Lung Association agrees! In their latest State of the Air report, Collier County got straight As, meaning we have some of the cleanest air in the entire country. This report is based on air quality indicators against outdoor polluntants, including ozone, from the U.S. Environmental Protection Agency. This outstanding air quality makes living, working and playing in Southwest Florida just that much more enjoyable and healthy.

Another nice fact about our area is that there has been job growth in the high-tech industry, and the state of Florida is one of the leaders. With a net increase of 6,700 new jobs, the Sunshine State was the second fastest-growing state in the country, trailing only Virginia. This is more good news for the real estate market, as traditionally job growth leads to increased home sales.

We encourage you to continue to monitor the Southwest Florida real estate trends and when you're ready, to invest in a beautiful piece of paradise here.

Chris and Dick Dovorany
http://www.chrisanddick.com
Coldwell Banker Residential Real Estate, Inc.
4851 Tamiami Trail North, Suite 100
Naples, Florida 34103
Office: 239-293-1969
Fax: 239 263-0352

How to Find Out How Motivated the Owner Is

Is the owner ready to sell and how motivated are they?

Everyone?s reason for selling their property is different and the settlement time in which they want (or need) to sell can vary as well.

When a person is selling a property I like to find out what is their level of Motivation to Sell.

What you need to determine is that some vendors are motivated to sell and will look favourably on your offers in order to achieve a quick sale while others have higher and often unrealistic prices that will not be suitable for your investing needs.

What I would suggest is you focus on those who are motivated and spend less time on those who are not. Don?t ever take their rejection of your offer personally, And please don?t let fear of rejection stop you from making any offers with any types of vendors.

You will quickly find the motivated vendors by making offers, always include a ?subject to? line included in your the offer. (Subject to Finance, Building inspection, etc)

Always treat the vendor as a business partner; it is merely a transaction between both parties to achieve a satisfactory outcome. Be polite and respect them, don?t try to burn them. Concentrate on their needs as well. There are always plenty of deals to be had.

If you treat people this way they will be more likely to want to do business with you. Sometimes they will often come back and take another look at your offer if they can?t get their asking price. Remember there is always more than one way to skin a cat.

To your investing success

Leo Love

www.thereatestateinvester.com If any of your family or friends is interested please pass this on to them.

http://www.therealestateinvester.com

I am an experienced and passionate investor. I buy typical mum and dad type houses that give me cash flow and capital growth. My website offers helpful tips and ideas for any type of investor to help you with your wealth creation. Using my site will help to prevent you falling into the traps the inexperienced investors do.

Do You Know How To Repair Your Bad Credit? ? part 2

Part one of this article series tells you what you should do to fix your bad credit situation. The purpose of this second article is to give you some important tips on how to repair poor credit. These tips seem to be almost too simple, but you'd be surprised to learn how many people don?t know about them and how well they work toward improving your bad credit situation.

1. One matter at a time It is very likely that you have several debts to pay. Don't try to do everything at once! Instead, concentrate on the most dangerous (ie. Those with the highest interest rate) first and spend as much as you can toward paying it off. Continue to pay your other debts too, but only on a minimal level. As soon as you finish paying off this debt, turn your attention to another.

Alternatively, you might want to consolidate your various debts into a single loan, usually with a lower interest rate. A consolidated loan is generally much easier to cope with, but once you consolidate, you can't de-consolidate, so there's no turning back. Oftentimes this may be a good solution, but learn about all the specific details from your loan counselor before you decide to go with a debt consolidation loan.

2. Rely on informal contacts with creditors The official mail you get from your creditors when you suffer from a bad credit situation is often referred to as derogative, ?the hate mail?. However, banks aren't the heartless mafia-like institutions that are interested only in getting money out of you. The ?hate mail? has only one aim ? it should frighten you to do something about your debt and current default payment situation.

Instead of getting stressed by the warnings and reminders you receive, just go to your creditors and tell them openly about your current financial situation. They will often do their best to help you ? they know that unless you get their help and cooperation you won't be able to pay on your account. This will ease the stress of your situation and give you a chance to come to some terms with your creditor. The more personal the contacts are, the better ? calling them is good. Visiting them is even better.

3. Everything passes with time While you may feel as if the whole bad credit trouble will never end, that's not true. The standard procedure (budget planning, paying off existing debts and getting everything back to order) usually takes about two-three years. Creditors will deal with your situation completely, but after it passes you will have problems obtaining credit for a few more years.

You still have some hard times ahead of you - that's true - but it's not the end of the world! Try to ease off the waiting by giving yourself some smaller goals that can be achieved within a few months. This progress will make everything much easier for you to live through. Remember not to give up; you can see your bad credit situation through with some dedication and persistence.

J. Kane is a Webmaster and publisher for 1st-Bad-Credit-Loans.com. For more information on obtaining poor credit loans and bad credit repair please visit http://1st-bad-credit-loans.com/

Mallorca Properties

Mallorca is Europe's most popular tourist destination with thousands of visitors thronging this heaven on earth throughout the year. Mallorca possesses the bewitching locales and picturesque landscapes, and innumerable treasures of natural beauty. You are sure to fall for its good weather, cosmopolitan lifestyle, close proximity to the rest of Europe, cultural richness, and a low crime rate. With these attractive features Mallorca not only represents a dream location for holidays but also an ideal overseas property investment. We at www.cala-dor.com, offer Mallorca property for sale in many of these peaceful areas of the island. With your preference of location, we provide excellent guidance to suitable properties from our detailed database profiles to meet every requirement and budget. You can avail the low interest rates and favorable economic conditions to buy properties of your dreams.

With our Mallorca Properties team we will guide you in finding your dream property pretty easily. We have professional advisors and real estate agents on our system, and we are fully equipped with the best resources to provide you with that perfect Property.We offer you Mallorca property from a wide range of beautiful, top value properties including villas, townhouses and apartments. You have our assurance that the purchased properties are free from legal problems and are priced in an optimum manner. Our solutions are tailor made according to your budget and requirements.

Customer satisfaction is our motto and our main aim is to help buyers find licensed property. We offer complete guidance right from the legal advising to the various financial aspects as we have Mallorca property agents at our disposal who have experience in dealing with property in Mallorca. We at, www.cala-dor.com, familiarize you with the legal aspects, the available mortgages for property loan, the new Mallorca property development plans, property resale and the best time to buy property in Mallorca; before purchasing property in Mallorca. In case if any type of property interests you, please contact us directly for further information on 0034 971 867700.

By Toni Fuster
Mallorca Properties

Buying a Home in Austin 7 Things to Love About Austin Texas

The Climate
Yes, Austin gets hot in the summer. It is Texas, after all. But there's usually a nice breeze blowing (especially near the lake), and there's not as much humidity as the coastal cities like Houston. The rest of the year is milder than many places in the country. Austin winters are moderate by most standards, with snow being a rarity.

The Culture
Austin has a rich culture that blends Mexican heritage, cowboy roots, state politicians, and a healthy dose of urban hip. Keep Austin Weird is the unofficial slogan, and you'll see it emblazoned on everything from bumper stickers to t-shirts. Austin takes great pride in being ? well, Austin.

The Outdoors
Like to go backpacking? Cycling? Canoeing? Water skiing? You can do all of that in a day around the Austin area. From the lakes to the trails, Austin has an outdoor scene that's hard to beat.

The Music
They don't call Austin The Live Music Capital of the World for nothing. The city boasts a vast array of musical venues offering everything from jazz to country to rock. Austin City Limits is filmed here, and there are musical festivals throughout the year.

The Bats
The Congress Avenue bridge in downtown Austin, Texas is home to North America's largest urban colony of Mexican free-tails bats. Experts estimate the colony includes some 1.5 million bats! The bats began immigrating en masse around 1980, and after a brief period of public fear, they've become another Austin institution. They even have their own statue right on Congress Avenue. People come from all around to see the bats pour out of the bridge at dusk.

The Housing Costs
There's a new program on HGTV called What You Get for the Money. It compares housing costs from different cities to show what you get for the money. Austin is regularly featured on the show, because housing dollars go a long way here (at the time of this writing). For information on new homes in Austin, see the note at the end of this article.

The Roads (Soon)
Massive highway projects are underway, so the traffic situation around Austin will soon improve dramatically. Austin's population exploded during the tech boom a few years back, declined a bit during the subsequent tech bust, and is once more on the rise. But while the population has grown considerably, the highway infrastructure has mostly remained static.

As a result, rush hour can be quite an ordeal if you're heading into the city. But not to worry. Austin currently has one of the largest highway expansion projects of any state in the country. It's a growing pain, but in the near future it will be behind us!

Shopping for a Home in Austin?
If you're thinking of buying a new home in Austin, Texas, take a look at Harrington Custom Homes. They've been building custom homes in Austin for over 15 years. Visit them online at http://www.harringtonhomes.com

Nevada Home Buying

Maybe you?re buying your first home in Nevada, or perhaps you?re relocating to Nevada from another state. Either way, it?s important that you educate yourself on Nevada home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Nevada:

The median price of a home in Nevada is $142,000. Recently, homes in Nevada have been appreciating at rates more than double that of the national average. Additionally, the rate of job growth in Nevada is the highest in the nation. However, income levels in many parts of Nevada are too low to purchase a median-priced home with a conventional loan.

On the other hand, Nevada has one of the lowest past-due loan levels in the nation. Additionally, current average interest rates in Nevada are below the national average. The problems with high home-price-to-income ratios may stem from the variability of median home prices between Nevada zip codes. For example, in the summer of 2005, the median price of a home in Las Vegas, Nevada, was $265,000; however, at the same time, the median price of a home in Reno, Nevada, was $340,000, and the median price of a home in Lake Las Vegas, Nevada, was $900,000.

Nevada law does allow the disbursement of home equity lines of credit. Although Nevada does not have an income tax, all property is subject to taxation. Additionally, Nevada law limits the amount of investment property sole to out-of-state residents.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Nevada Mortgage Rates and Loans.

New Jersey Mortgage What to Expect When Buying a Home in New Jersey

Maybe you?re buying your first home in New Jersey, or perhaps you?re relocating to New Jersey from another state. Either way, it?s important that you educate yourself on New Jersey home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in New Jersey:

The median price of a home in New Jersey is $170,800. Homes in New Jersey appreciate at rates above the national average. In fact, New Jersey home appreciation rates place them 9th ranked in the nation. Additionally, average interest rates in New Jersey are below the national average. However, the rate of job growth is below the national average.

The price of homes in New Jersey varies widely between zip codes. For example, in Long Beach Island, New Jersey, the median price of a home in the summer of 2005 was $850,000; however, in Wyckoff, New Jersey, the median price of a home was $550,000, and in Parsippany, New Jersey, it was $350,000.

New Jersey state law prohibits home equity lines of credit on primary residences. However, they are allowed on second homes. Additionally, New Jersey law restricts the amount of fees on second mortgages.

Currently, New Jersey is in the process of enacting a new home ?lemon law.? Lawmakers saw this law as necessary after the State Commission of Investigations found that there was significant corruption, ?waste, fraud, and abuse? prevalent in new home construction.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about New Jersey Mortgage Rates and Loans.

Colorado Luxury Real Estate

Housing is one of human?s basic needs. However, there are a few people who can afford to buy several homes in different places even at very high prices. For some people, it is fulfilling, and it gives them a different sense of satisfaction when they are able to buy a luxury real estate to add to their long list of properties. If you are one of these few people, perhaps you would like to own a piece of Colorado luxury real estate.

Luxury real estates can be found in two of the finest resort towns in Colorado, Aspen, and Vail. A few can also be found in the suburbs of Denver. These places have always been known to have premium luxury real estate that would-be real estate owners will surely love.

World-class skiing and high-class living ? these attract the rich and famous people from around the world to buy and own a property in Aspen. If you love powder skiing, you will certainly enjoy the back-country skiing that is offered by Aspen Mountain. There are also plenty of spas, parks, shopping centers, and other beautiful locations that will certainly make you enjoy a little bit of luxury.

Just like Aspen, Vail is also a famous resort town for luxury real estate because the largest single skiing mountain in North America is located there. This place has world-renowned slopes for skiing, cross-country skiing, and snow boarding that are attractive to many.

Meanwhile, Denver, the central location for Colorado real estate, is considered a modern metropolis with a lovely night scene, strong cultural feel, and big-city sports teams. If you love the outdoors, you would certainly love to own a home in this place because it is located by the foothills of the Rocky Mountains.

Whether you want a luxury real estate property in Aspen, Vail, or even Denver, there is one that will surely catch your eye.

Colorado Real Estate provides detailed information on Colorado Real Estate, Boulder Colorado Real Estate, Colorado Springs Real Estate, Colorado Luxury Real Estate and more. Colorado Real Estate is affiliated with Colorado Vacation Rentals.

Miami FL Real Estate Officially a Buyer?s Market

It?s officially a buyer?s market in Miami. Miami FL real estate market conditions have been less than favorable lately if you are a seller in Miami. According to data supplied by the Coral Gables, Homestead-South Dade, Kendall-Perrine, and Northwestern Association of Realtors or their MLS, in June of 2005, there were 3,261 single-family homes on the market in Dade County (which includes Miami, Miami Beach, and a number of surrounding smaller cities), with 1,196 sales. In January of 2006, there were 6,364 single-family homes on the market, with only 687 sales. In August of this year, there were 10,579 single-family homes for sale in Dade County, but there were only 705 sales. September of 2006 saw 11,103 single-family homes in Dade County, for sale; with only 758 homes sold.

The condo market in Dade County has been similar. In June of 2005, there were 5,550 condos for sale in Dade, and there were 1,564 sales. However, moving into January of 2006 there were 11,800 condos listed on the market for sale, but only 915 sales. In August of this year, there were 18,133 condos in Dade for sale, with the number of sales falling to a 15 month low of 823 condos sold. September of 2006 fell lower with a total of 18,974 condos for sale in Dade County, and 805 sales.

This is all good news if you are looking to buy real estate, because there is so much to choose from, and the savvy buyer can make a wonderful deal in this real estate climate.. Thousands of luxury homes and condos available for sale in the real estate marketplace can be viewed on Miami FL real estate.

Alex Shay is an experienced real estate broker, who specializes in luxury real estate in Miami, and Miami Beach, as well as Coral Gables, Key Biscayne, Aventura, Bal Harbour, Indian Creek, and all of the surrounding South Florida community. He has been licensed to practice real estate in the State of Florida for over 20 years, and he brings his expertise and negotiating skills to his clients, whether they are his neighbors, or clients from as far away as Taiwan.

Buying Your First Home is a Big Decision

Buying a home is one of the greatest investments you will ever make. The best -- and least stressful -- way to purchase a home is to be well educated throughout the process.

Before you even start looking for a house to buy, you need to review your financial situation. This will let you know how much of a down payment you can afford and how large a monthly mortgage payment you can handle. Lenders will look at the ration of how much you make to how much you owe. Most will require that your monthly housing costs remain under 28% of your total monthly income and that your total debt is less than 36% of your monthly income.

But you should look at what fits into your budget, not what the lender says you can afford. If you are currently making a rent payment of $1200 a month and barely getting by, how could you expect a mortgage of that size with the added insurance and maintenance costs of owning a home? You have to go with what works for your budget and finances. Remember, you can always work your way up to a larger home over time.

Once you have determined how much home you can afford, you need to check on your credit report and score. Lenders will rely heavily on your credit score when deciding whether or not to lend to you. It will also help decide how much interest you will pay. Your credit score is determined by the information in your credit file. If something is incorrect, your score will be affected.

Your score is made up of your payment history, your outstanding debts and how often you apply for credit. Most lenders will use your FICO score. If you have a score of over 700, you should have no problem finding financing.

The best way to improve your credit score is to pay your bills on time. You can also pay off your credit card debt and hold off from applying for new credit to raise your score.

It is best to review your report to make sure it is accurate well in advance. It may take time to clear up any errors before you apply for a mortgage.

In today's real estate market, sellers like to work with buyers who are pre-approved for a mortgage. Pre-approval means that you have submitted a complete loan application and that the lender has verified your information, checked your credit and determined how much mortgage you can borrow. When you are preapproved, the lender is saying that you can borrow a certain dollar amount.

With pre-approval, the seller knows you have financial backing and you know exactly how much you can spend. This keeps you from a lot of stress of worrying if you will be approved for a mortgage for your dream home. You already know what you can afford.

Take the time to prepare to buy a home before you even start looking, it will save you a lot of stress and make the process much easier.

Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Tucson Real Estate

Tucson real estate is flourishing, and it's easy to see why. Tucson is known for having ideal weather - it has a sunny, dry climate that makes it very attractive not only for tourists, but for people looking to settle.

Booming

The boom in Tucson real estate started in 2004, when total sales volume of homes in the vicinity increased by a little more than 55 percent. In the same year, the number of residential units alone rose from around 960 in November to a whopping 1,200 only one month later. Tucson real estate deals are also closed a lot faster than the time it takes to close a deal in other states. In fact, nearly 60 percent of homes in the Tucson area get sold within 30 days after it is listed. This is attributable to the fact that most Tucson homes are considered to be very good deals for buyers; the city is very livable, and the people are very accommodating.

The trend carried on in 2005 and will probably carry way into 2006, especially because the Tucson economy has become conducive to young families, recent graduates and even retirees. A lot of aggressive buyers and investors are taking advantage of the drift and are staring to put their money into Tucson real estate, which is predicted to be very profitable.

Preparing to buy

It?s a good idea to consult expert Tucson real estate agents if you are looking to buy property in the area. Most real estate agencies offer free consultation to allow you to see the costs of real estate in the area, what loan options are available to you, relocation advice etc. As an added service, some agencies even offer free one-time cleaning services for your new Tucson home.

Tucson Real Estate provides detailed information on Tucson Real Estate, Tucson Real Estate Agents, Tucson Residential Real Estate, Tucson Commercial Real Estate and more. Tucson Real Estate is affiliated with Scottsdale Arizona Real Estate Agent.

Consider These Four Points Before You Make An Offer To Buy An Investment Property

Point #1: You must have a clear goal for the property that you are purchasing.

Incredibly, many people make investment decisions because someone told them about a great idea or opportunity. They never put pen to paper to even figure out if a profit is possible! Others buy property or investments and have no clear cut return they are shooting for or a game plan on how to get it.

What is your goal for this purchase?
What return are you looking for on a year basis?
How many years are you planning ot hold the property?
Are you trying to buy a fixer-upper?
Are you hoping to renovate it and fully rent it out and sell it?
When are you going to try to sell the property?

The above are just starting points for you to start to inquire within yourself before you buy a piece of property. The point is to never buy a piece of real estate investment property unless you know why you are buying the property, your expected return on your investment and your exit strategy for getting out of the property with a profit.

HELPFUL TIP: Before you go into contract, run your deal by a commercial mortgage professional, Get expert advice BEFORE you commit! They can alert you to the pitfalls and even bring creative financing strategies to the deal to maximize your return.

Point #2: Thinking only about the Interest Rate that you have been offered

The lowest interest rate is NOT necessarily the best deal for commercial property. Amortization is just as important. Amortization is the length of time the payment will be factored over, the longer the amortization, the lower the payment. Depending on your goal, the lower payment yields you better cash flow and more profit per year-better ROI (return on investment).

For example, a $500,000 mortgage with a 10-year balloon and a 15-year amortization at 5.5% interest rate yields a payment of $4,085/month. The same mortgage with a 25-year amortization but a rate of 6% yields a payment of $3,221/month. Same loan amount, ? a percent higher rate but because of the longer amortization your monthly payment is over $800 less per month. If the cash flow on the property was going to net you $1000 a month at the 5.5% rate this extra $800 a month or $9,600 per year, now that's a better return on your investment due to the longer amortization. Over 80%!

Point #3: Knowing when to shop, and knowing when to stop shopping.

Remember, on commercial loans even if you are a great borrower-you may still get turned down by your local bank. Why? The property may not be good. By that we mean that the bank may have a required debt service coverage ratio, and your deals cash flow does not meet that lenders requirement; they may have filled their quota for the month on commercial loans, or they may just not like to loan on the certain type of property you are buying. Don?t take it personally.

Almost as bad as just going to one bank and putting all your eggs in that basket is shopping around and getting a commitment at terms you like that make the deal profitable and meet your goals and then CONTINUING TO SHOP! If you get what you wanted-don?t be greedy. Wall Street has a saying, ?Bulls and bears make money, Pigs get slaughtered?.

HELPFUL TIP: Don?t look a gift horse in the mouth. If you know the profitability you wanted and the lender is agreeing to your deal offer up any reasonable requested commitment fee, and let the broker or lender do their job to close that loan for you.

Point #4: Emotions - Loving the deal and ignoring economic sense.

I have seen people try to buy a piece of property and lender after lender turns it down because the value is not justified or something. Yet, instead of realizing that smart financial people are telling you the deal is bad they persist to keep trying to buy it.

Sometimes even getting hard private money at exorbitant rates that will never generate a profit for you Remember, banks and lenders are in the business of lending you money. They want to lend money on deals that make sense. If EVERYONE says your deal does not make sense LISTEN TO THEM.

Get out of the deal or partner with someone who knows how to make it work or something. Don?t resort to ridiculous interest rates because you believe you HAVE to have this property. Again, heed advice and be smart.

HELPFUL TIP: Besides speaking to an expert BEFORE buying- put pen to paper and make sure the deal makes economic sense, not just emotional sense. In commercial property purchases its economics that must rule, not emotions.

I trust that these four points will put YOU more in control when making your next buying decision for purchasing investment real estate.

Harlan A. Friedman, Esq., is president of Lightning Commercial Funding Inc., a California mortgage broker. He has more than 25 years of experience as an investment banker and financial consultant, issuing municipal debt for his clients. Lightning Commercial Funding specializes in financing commercial projects exclusively, from the startup of new business to large commercial transactions. Reach Friedman at (858) 592-0659 or harlan@loanforbiz.com.

Visit his company at http://www.loanforbiz.com.

Real Estate Transfer Taxes Overlooked Sale or Purchase Expense

A real estate transfer tax is a one-time tax paid at the closing of a property, and is considered a stream of revenue for state budgets. This transfer tax though, once collected is not generally used for housing-related purposes. The tax is based on the value of a property as agreed to by the parties in a real estate contract.

In the excitement of selling or buying a home, often the real estate transfer tax cost is overlooked. Depending on locale, either the buyer or seller pays the tax at closing or escrow, but beware in New Hampshire both the buyer and seller pay, half of 1.5%!. In some states it can be a formidable amount, you should be prepared for what the transfer taxes will be, and who pays them, before you start a home search or list your home for-sale.

The good news is, thirteen states don't have a real estate property tax. They are: Alaska, Idaho, Indiana, Louisiana, Mississippi, Missouri, Montana, New Mexico, North Dakota, Oregon, Texas, Utah, and Wyoming.

The bad news is that the remaining thirty-seven states and The District of Columbia charge taxes on the transfer of a property. The tax is only levied once when a property is exchanged between parties, unlike general property taxes which are paid annually and are based on the assessed value. Real estate transfer taxes range from a low of .01% in Colorado to a high of 1.28% in Washington state.

Variations on transfer taxes include; in Arizona only charges a tax on deeds. However Alabama and Florida charge on deeds and mortgages. To avoid financial surprises, inquire early as to who pays (buyer or seller) and how much transfer taxes will be. Some states dictate who pays the tax, and some just want the tax paid. This cost can typically be negotiated between the parties. Consult an experienced real estate attorney.

A handy online link for transfer taxes for all fifty states.

http://www.parealtor.org/content/AssetMgmt/Issues Resource Center/Realty Transfer Tax/Transfer tax chart.pdf

Mark Nash, is a residential real estate author, broker, columnist and writer based in Chicago. His fourth book 1001 Tips for Buying and Selling a Home received eighteen five star reviews on Amazon.com. His latest book; Real Estate A-Z for Buying & Selling a Home will be published in December 2006. Mark publishes a free monthly ezine for real estate professionals. Agent to Agent features ten articles that offer free reprints for agents, home buyers and sellers through EzineArticles.com . Real estate news and book reviews, Celebrity Homestyles, Home selling and buying tips and advice, Joke-of-the-Month, Help this Agent, and agent marketing tips. Over 5000 subscribers in the U.S. & Canada. Subscribe at: http://www.1001realestatetips.com/forrealestateagents.html

Tips to Improve Your Home's Chances of Selling

Want to sell your home fast and at top dollar? Try enhancing the garage! Garage? Before you think I have completely lost my mind, let me explain. Women love kitchens, men love garages. Yet, most people completely ignore and destroy their garages to the point that they can?t even get one car in there. I can never understand that. There is so much value to having a clean, organized garage whether your home is on the market or you plan on staying there until the kids grow up.

When people plan to put their home on the market their thoughts sometimes turn to ?What can I do to make my home wow someone on a limited budget?? Renovating the kitchen or the bathroom can cost upwards of $15,000. Cleaning, organizing and making over the garage could cost under $3,000 and can provide a huge bang for the buck especially if you are trying to sell your home in a competitive market. Every family has one neat freak and sometimes it?s the man of the house. And, remember what I said earlier ? men love garages. Many times when I am showing homes, the women migrate to the kitchen and the men go right for the garage.

Here?s some easy and cost effective ideas for your garage:

?Do a thorough sorting of the items in your garage. Make separate piles of keep, toss, and donate. Follow through on the toss and donate before you move on to the next step.

?Paint the walls in a taupe or grey color using satin or gloss paint finish. This way when you need to wipe up, it will be easy to do. Plus this finish will last you years longer than the builder?s flat white paint you started with.

?Buy some inexpensive fully finished, full back cabinets with easy clean melamine interiors and exteriors. Make sure that they hold a load of at least 100 pounds per shelf. Things we store in the garage are heavy. Mount some top cabinets for seasonal storage and some lower cabinets for items used more frequently. Be sure to mount the lower cabinets off the floor a few inches to prevent water damage.

?Look into some of the new finishes for the garage floor. There are some good ?do it yourself? finishes and some professional chemical and stain resistant floor coatings that will really wow the family or the prospective buyer. If you go for the ?DIY?, don?t fail to fully follow the instructions of the product you choose ? you could end up with a peeling mess. It?s best to consult a professional for floor coatings.

One of the biggest benefits to you as a homeowner when you put the time and effort into organizing your garage is the expanded living area and ease of finding all the necessary tools and utility items quickly when you need them, not to mention a home for your precious cars. The other advantage is the added and increased dollar value the extra, usable space has just brought to your home. When you are trying to sell your home quickly and at top dollar in a competitive market, focus on the garage, it will bring you some good results.

Bob Lipply is a top Real Estate Broker Associate in the Tampa Florida Real Estate area.? He and his team have been helping families relocate to Florida and on the selling end get top dollar for their homes with great success.? Lipply Real Estate also specializes in Clearwater Florida Real Estate visit his website where you can search the MLS for up to date available homes for sale.

Real Estate for Sale in Arizona

If you are looking for real estate for sale in Arizona, you may want to check the Internet for listings or consult with a real estate broker.

If you are looking for a top custom builder of homes, the Dalton Ross Homes may just be what you?re looking for. On the other hand, La Costa Homes is a premium property found in Kingsman, Arizona. Its builders put a premium on quality. Additionally, Esmay Construction showcases quality properties. They has open floor plans and customized features with a flair for architecture. They have new homes in Kingsman, Arizona, and in Lake Havasu City along with the popular Valley Vista Gold Course.

If you are interested in a family-focused Scottsdale community, there is a modern and luxurious estate in Paradise Valley. Perhaps you are looking for a quaint ranch in Carefree or a custom house with a creatively designed golf course or even a downtown loft. You can search for these homes online with the help of agents.

Some online real estate firms offer first timers and veteran home purchasers valuable knowledge to guide them in their decision-making process. They provide real estate reports online, articles on available properties and a monthly newsletter with informative features on the Arizona real estate environment.

If you are the seller, remember not to utilize traditional methods of selling properties such as open houses and advertisements in magazines. Make sure that the agent maximizes exposure of your home to command a good price.

Since the selling strategies of properties have undergone dramatic changes, a proactive approach is necessary. These include agent-to-agent selling, marketing through the Internet, and other new techniques so your property will fetch a handsome amount.

So keep these things in mind to guide you in your search for estates in Arizona.

Arizona Real Estate provides detailed information on Arizona Real Estate, Tucson Arizona Real Estate, Phoenix Arizona Real Estate, Arizona Real Estate Agents and more. Arizona Real Estate is affiliated with Arizona Vacation Rentals.

Buying Real Estate: Understand Landfill Gas Risks before Buying Land Near a Landfill

The ability of landfill sites to emit methane has been recognised for very many years by site operators who appeared until the mid-seventies to accept small fires, caused by ignition of methane, as one of the minor problems associated with waste disposal. Methane problems were of little consequence when sites were small and situated outside the boundaries of towns or villages.

However in recent years there has been great pressure to acquire land for building so that in many instances real estate has been developed close to old, and not so old, filled and disused landfill sites (tips).

All real estate buyers are recommended to take great care when considering purchases close to landfills, or land which may have once been landfilled. These landfills can continue to generate methane for very many years.

Many old landfills have been restored and their sites have been incorporated into urban areas. Often such sites have been levelled and grassed over to be used for recreational purposes, and indeed this can be a very satisfactory end-use especially as any settlement which occurs can be filled in.

However, problems can arise if the landfill gas migrates sideways or upwards, as in the case studies which follow. These examples are quite old ? newer ones are hard to come by as no-one likes to admit such problems, or risk publicity. Although implementation of preventative measures is much better nowadays and pretty much the norm, all those in real estate should be aware that landfill gas fire and explosion risks can still exist today.

Case Histories from the USA

Case A

One of the first explosions thought to involve landfill gas in a building occurred in Atlanta, Georgia in December 1967. Originally the building was constructed with one storey and a basement and the latter was eventually bricked off thus isolating it. The only connecting passage from the basement to the upper storey was a 6 inch diameter pipe through which a 3 inch gas pipe ran. The gap between the pipes was not sealed, landfill gas escaping through the gap was ignited by a cigarette which resulted in an explosion. This completely demolished the building with two people being killed and two suffering serious injury.

Case B

In 1962 an armoury was built close to an operating landfill in Winston-Salem, North Carolina. The landfill was from 3-13 m deep and during the mid-60's combustible gases accumulated in nearby sewers and minor fires/ explosions occurred. In September 1969 an explosion, thought to be caused by smoking, occurred in the building in which 25 people were injured and 3 died. Migration of landfill gas into the building may have been encouraged by the placement of additional cover material on the fill about a week before the incident. The building was abandoned and the site used for the evaluation of various designs of gas migration prevention systems.

Case C

In Los Angeles, at the Branford landfill, which was situated in a gravel pit concentrations of methane well above the lower explosive limit were found up to about 150 m from the edge of the fill. Initial attempts to control migration by installation of standpipes and trenches were unsuccessful. The reason for the failure is not clear but is probably due to the depth of the site being considerable.

Case D

Also in Los Angeles, at the Sheldon-Arleta landfill, similar gas migration problems were encountered to those in case 11. Since the Sheldon-Arleta site is in a residential neighbourhood it was essential to take rapid remedial action. A series of wells 8 m deep, spaced on 50 m centres were-installed just within the landfill boundary. Each well had a designed withdrawal rate of 200 cubic ft/min each and were linked together with the landfill gas being flared off.

This site is of particular interest since it demonstrates that the need to install a gas migration control system can give rise to a vigorous industry based on extraction of landfill gas with subsequent utilisation. This experience in California gave impetus to the new technology of landfill gas utilisation for power generation, which is noteworthy for the real estate buyer as it shows just how much energy is present in the landfill gas.

CONTROL OF LANDFILL GAS MIGRATION

The most important step is to recognise that if any development is to take place either on or near to a landfill site then problems can occur. Planners, architects and developers are normally aware of these risks and take measures to overcome potential hazards. Special features have usually been incorporated into building designs to reduce this risks to acceptably low levels before these buildings are put up for sale, nevertheless, real estate buyers should carry out their own independent checks.

If development has taken place in close proximity to landfill then a survey of methane concentrations on the site is recommended.

This can be done by drilling boreholes and fitting these with perforated liners and measuring methane concentrations after a few days. A cheaper but in many instances equally satisfactory option, is to dig pits with a mechanical excavator to a depth of 3-4 m, install perforated pipe, back-fill and again measure methane after several days. Measurements of gas concentrations can be made either on site using commercially available instruments such as a Gas Tec or Gas Scope and must be assessed by suitably qualified experts.

The astute real estate buyer will ensure that by understanding landfill gas aspects when buying property near landfills to avoid losses later.

Steve Last is an environmental engineer who is also a Chartered Environmentalist (CEnv), and lives in the county of Shropshire, UK. CEnv is a new and growing academic discipline created in the last two years. All Chartered Environmentalists further the principles of sustainability.

Visit our expert Expert Landfill Gas web site

Independent climate change web site

Visit the atex and dsear web guidance.

The Best Golf Course Home In Florida Have You Even Seen It?

Golf has become very popular in Florida. Due to that reason, the State of Florida provides a great golfing chance throughout its territory for golfing lovers to enjoy themselves, and one of the great places is Tampa Bay area of Florida.

In fact, the tourists and residents in that area can easily utilize the wonderful sand and surf to get in a round of golf as there are about 70 best golf course homes located in the Sun Coast of Florida. You can either enjoy taking in a quick 9 holes, or the full 18 holes. After relaxing round of golf, simply go to the edge of water for a good swim in the warm gulf waters. Next, try to catch a beach volleyball game. You will easily feel that the Tampa Bay area of Florida can provide you the best of two different worlds, with luxury golfing facilities and great beachfront properties.

Apart from that, do you like awakening to nicely colored sunrises, garden style meals, and the good round excitement of golf? Afterword, go for the beach for a sunset? If you say yes, you will surely like moving into one of the best golf course homes conveniently located near the beaches of the Sun Coast.

Here are just 2 examples of the kind of the best golf course home that you can choose in the Tampa Bay Florida area. You can choose from many other quality golf course homes to find the good place for you to settle down where you can easily play golf any time you like, and then try to spend the rest of the day at the beach relaxing.

Crescent Oaks is a Pinellas County gated golf course home which should be the golf lovers dream homes! Beautiful homes are situated along with private 18 hole golf course. The residents can also find a pro shop, clubhouse, pool, tennis,etc on its grounds.

Lansbrook is another one which is located at the East Lake area of Tarpon Springs, Lansbrook is one of the best daily fee golf clubs providing an exciting and challenging course design. Lansbrook is the first class golf club surrounded by Florida landscaping and some of the best single family homes in Pinellas County. Feel free to visit the Lansbrook Lakefront Park on Tarpon Lake after playing golf game and enjoy fishing there as well.

In short, your local real estate agent is available to help you locate and tour the different golf course homes and explore golf communities in the Tampa Bay area. You are certain to find one that you like the most.

Rashme Wong is a successful Internet Marketer and publisher of AmazingGolfSwing.info. She provides more golf swing tips, golf course tips and more information on the best golf course homes that you can search and learn on her website.

A Cabal of Miami Real Estate Agents Caught Burying Giant Statue of St. Joseph

No one really knew how bad the Miami housing market was until the arrest last night of a large number of realtors caught burying a giant statue of St. Joseph in the center of the Miami Circle, a sacred pre-Columbian site at the mouth of the Miami River. Considered to be the patron saint of real estate agents, police were surprised by the effigy's size.

This is the biggest one we've found yet, advised a S.W.A.T squad spokesperson who wished to remain anonymous. For years St. Joseph statues have been turning up, but never this size. Usually they're no bigger than 8-inches. This one was over 8-feet tall.

Realtors, long considered a mammon worshipping cult by many theologians, have been burying St. Joseph statues for years in order to hasten a sale. Known as the underground real estate agent, St. Joseph is usually buried head first in the ground or in a planter on the property. Once the sale is made, it is expected that the sellers unearth the statue and put it in a prominent place in their new home-- not following through on the last part could jeopardize their future good fortune, according to the instructions that come with the statues.

Considering Miami has one of the largest Catholic populations in the U.S. and a large number of followers of Santeria, the Afro-Cuban religion that mixes Catholic saints with African gods, it is not surprising that, according to Phil Cates, owner of the website www.stjosephstatue.com, Miami is the biggest market for these kind of things. Statewide he estimates he's sold 6,000 statues.

And for all the skeptics reading this, Mr. Cates says you can go to his website to read the testimonials on the statue's behalf.

Sales, he said, have just gone crazy.

Which may be good for him, but seeing a St. Joseph this size has many financial analysts worried. For the first time in a decade, home prices have fallen in August from sales of the previous year. A report released this week by the Florida Association of Realtors paints an alarming picture. Single family homes fell 34% and condo sales dropped 41% from the previous year.

As two police officers struggled with a realtor who was being led away in handcuffs, he was overheard shouting to anyone who would listen that, It's not a bubble, I tell you! It's not a bubble!

According to the Miami S.W.A.T team, most of the rogue realtors were arrested in last night's raid and that the public need not fear those that got away. Don't worry about them coming into your yards in the middle of the night to bury their statues. They left their shovels behind and we know how to read fingerprints. We'll have them rounded up and put behind bars before you know it.

Asked what law they broke, MVB was told that they had desecrated a sacred site.

What sacred site? we asked.

The Miami Circle.

'Sacred?' we laughed. There's nothing sacred about that circle of holes in the ground. Hell, they only found a shark's tooth and a used condom there. Some experts think it's nothing more than an old septic tank.

Listen, bub, we were told in no uncertain terms, As long as our county spent $27 million for it, it's sacred.

MVB can't argue with that.

D.C. Copeland is a writer and award-winning artist. When visiting Copeland's personal website and blog http://www.miamivisionblogarama.blogspot.com/, you will discover that Wayne Cochran is the Patron Saint and that many people consider it to be The Rodney Dangerfield of Blogs.

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Utah Mortgage What to Expect When Buying a Home in Utah

Maybe you are buying your first home in Utah, or perhaps you are relocating to Utah from another state. Either way, it?s important that you educate yourself on Utah home loans before shopping for a home and mortgage. This article explains what you will need to know before buying a home in Utah:

The median price of a home in Utah is $146,100. Recently, homes in Utah have been appreciating at rates below the national average. Therefore, affordability is favorable in the state of Utah. Interest rates in Utah are below the national average, and job growth rates are the third highest in the nation.

The price of homes in Utah varies widely between zip codes. For example, in Salt Lake City, Utah, the median price of a home in the summer of 2005 was $262,000; however, in Provo, Utah, the median price of a home was $236,000, and in St. George, Utah, it was $200,000.

In Utah, mortgage financing and regulation are monitored by the Mortgage Lending and Servicing Act. Lenders and brokers are not allowed to charge Utah borrowers any fees while the loan is being processed. Additionally, at loan closing, the lender must supply the borrower with any information regarding the balance of an escrow account, unpaid balance of the mortgage loan, and date and amount of all payments credited to the borrower?s account.

Utah residents qualify for both state and federal housing programs. The state of Utah offers below market interest rate loans to low or moderate income residents who purchase homes in qualified rural areas.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Utah Mortgage Rates and Loans

Understanding Your Real Estate Market

Real estate is a constantly moving market. It can quickly change from a buyer's to a seller's market seemingly overnight. No matter what the conditions where when you purchased your home, they may not be the same now. Real estate values change by the season, and sometimes more often than that.

If you are looking to buy or sell, you need to look at your area's market. Not the national market, but your neighborhood specifically. Real estate is a regional thing. While the nation may be slowing down, you may be in an area where things are starting to pick up a bit.

Look to see if homes are selling quickly. Are new families moving into your area? Are homes on the market for a long time? Is there a lot of traffic at homes for sale? Are homes being improved and sold? Are property values going up?

If you see the above things, chances are that you will have an easy time selling your home -- given that it is well maintained and reasonably priced.

But don't worry about the market too much. No matter what is going on around you , there is a buyer for your home. It just takes a little time and the right price. If you are in an area experiencing a buyer's market, you should make your home as attractive as possible.

Another plus to a buyer's market is that when you in return are looking to buy a home, you will hold the upper hand a bit. You may not have to pay as much for your new home as prices may have gone down. When buying or selling, there are advantages to each side of each type of market.

As a homeowner, you are best protected from the ups and downs of the market by keeping your home well maintained. Keep in mind that you probably won't own the home forever. Work to pay down your mortgage and build your equity as quickly as possible.

Markets are always changing. If you find that the market conditions in your area are not so favorble to selling right now, perhaps you can wait. They will change given a little time.

Martin Lukac represents http://www.RateEmpire.com, an Internet consumer banking marketplace. RateEmpire.com is a destination site of personal finance, investing, taxes and mortgage rates. RateEmpire.com provides mortgage guides and financial rates and information. RateEmpire.com also operates a financial portal #1 American Financial, found at http://www.1AmericanFinancial.com and San Diego loan portal http://www.LendingSanDiego.com

Sarasota PreConstruction Real Estate

The United States real estate market is growing faster then ever before. Sarasota has become a pre-construction real estate hot spot. Pre-construction is the most profitable phase of investment in real estate. New construction offers a wider choice of location and layout, with the most desirable finance options. Pre-construction is considered a healthy investment, making investors wealthy beyond their wildest dreams. Investors in pre-construction real estate are willing to take bigger risks for a chance to make huge profits.

Sarasota has for long been an upper class vacation destination with its pristine white beaches, exciting nightlife, 5 star restaurants and hotels, and its interesting mix of cultures. The Sarasota pre-construction market has witnessed a boom in the last few years. There are downtown condos, beachfront high-rise condos, single-family residences and mansions under development. Sarasota is a sellers market and most properties remain on the market only for small period.

Prices of Sarasota real estate in its pre-construction stage are significantly lower and more affordable to the investor. Pre-construction sale has shown a significant increase over the years and continues to grow. Investors have the advantage of not having to pay any local and state taxes for many years.

Pre-construction deals are usually not advertised in the initial stages. Deals are mostly brokered via a network of estate agents who sell directly on behalf of the developers. Brokers reserve a number of units for their top clientele. The second stage of construction brings on a 10% increase in price. On selection of a property, an investor pays a deposit of around 10% of the purchase price. An additional 10% is usually paid within the next three months. Investors are able to sell their units within a year at a profit of 20% or more.

The increasing interest in Real Estate investment trusts shows that real estate investment return is becoming an important part of a Sarasota investor?s investment portfolio.

Sarasota Real Estate provides detailed information on Sarasota Real Estate, Sarasota Pre-Construction Real Estate, Sarasota Real Estate Marketing, Sarasota Real Estate For Sale By Owner and more. Sarasota Real Estate is affiliated with Minnesota Commercial Real Estate.

The Changing Real Estate Market

A housing downturn may be imminent, say economists and real estate investors alike ? presenting problems for many people, but opportunities for others.

You?ve probably heard about the coming slowdown in the housing market for a very long time. Real estate is cyclical, and in the United States it has been in an upswing for at least five or six years, which is how long housing prices have exceeded the rate of inflation, says Susan Wachter, professor of real estate finance at The Wharton School at the University of Pennsylvania. That means it?s only a matter of time before we experience a downturn.

It?s hard to believe a downturn is really here. On March 1, the Office of Federal Housing Enterprise Oversight (OFHEO) announced that average U.S. home prices climbed 12.95 percent in 2005, despite rising mortgage rates in the second half of the year. That?s about double the historical average of 6.4 percent, according to Bankrate Inc.

But while the housing market is still appreciating, it?s appreciating more slowly. The Commerce Department announced on March 23 that new home sales tumbled 10.5 percent in February to an annualized rate of 1.08 million units, the biggest one-month drop in nine years.

That means properties are sitting on the market for much longer than they used to. You might expect that in California, where Bruce Norris of the Norris Group, a California-based real estate investment firm, says ?we?ve gone from a three-month supply to almost a seven-month supply.? But examples are pouring in from all parts of the country. In Miami, at the Jade Residences at Brickell Bay, 117 of the building?s 352 units are reportedly on the market. And in Manhattan, at Donald Trump?s 120 Riverside Boulevard condos, more than 20 percent of the building?s 250 units are up for resale, according to The New York Times.

And increasing supply almost always leads to falling prices, says Norris. For the first time since the third quarter of 2003, one of the regions in the much-followed OFHEO index showed a four-quarter price decline: Prices in Burlington, North Carolina, fell about 1 percent between the fourth quarter of 2004 and the fourth quarter of 2005.

That may not seem like much, but economists see it as a foreboding sign ? and it?s not just due to rising interest rates. ?Housing valuations have become somewhat stretched in some areas over the past year,? says Josh Feinman, an economist with Deutsche Asset Management in New York. ?Some cooling is likely.?

The slowdown will affect anyone who?s buying and selling property, of course. But real estate speculators ? individuals who buy property with the intention of re-selling quickly, or flipping it, for a profit ? are likely to suffer the most. That?s because they could be paying mortgages and maintenance costs on properties they can?t sell and can?t rent out for enough money to cover their costs. According to Redbrick Partners, a New-York real estate investing firm specializing in single-family homes, half of the rent an investor can potentially collect does not flow to the bottom line, because it gets eaten up by vacancies, taxes, maintenance, etc. And as supply has increased over the past decade, demand has decreased. Today, Redbrick Partners says rental yields on single-family homes have declined from 7 percent in 1976 to under 5 percent today. And Norris says that in areas of California, a $500,000 house would rent for just $1,400 per month.

There is some good news, however. First, the housing market often fluctuates in different geographical locations. Miami, Florida, is an often-cited example: The number of condos worth $500,000 or more for sale in Miami is reportedly twice what it is in Los Angeles, where the population is four times as large. ?If you ask me if the housing marketing is going to experience a downturn, I have to ask you ?Where??? says Norris.

In general, the markets that have had the greatest appreciation over the past five years are most vulnerable to a downturn, say real estate experts. ?When affordability is at an all-time low, as it is in California, where housing prices have appreciated 300% over past eight years, you lose velocity, or the ability to sell a house at a brisk pace,? says Norris. ?And prices start to come down.?

As for specific areas that are likely to experience downturns, on December 16, CNNMoney.com reported that Las Vegas property values will fall by 7.9 percent in 2006 and another 5 percent in 2007; San Diego property values will fall by 3.4 percent in 2006 and another 5.7 percent in 2007; and Santa Ana/Irvine property values will fall 3.1 percent in 2006 and another 6.1 percent in 2007.

Second, wherever the housing market does cool, it isn?t likely to do so overnight, so sellers needn?t get desperate. Some individuals, of course, will have to sell ? those who need to move because of a new job, or a divorce, for example. But others can take some time, as a softening or declining market often takes years.

Finally, it?s also important to remember that one man?s troubles are another man?s opportunity. Some of the best real estate investors buy when everyone else is selling. The theory: As prices decline, it becomes easier for investors to buy properties that create cash flow. They can take their time and negotiate lower prices; they don?t have to waive contingencies, such as appraisals and home inspections; and the income they can realize from renting the property is greater than what they?re paying for it.

In fact, for some investors, like Jonas Lee of Redbrick Partners, buying in a downturn is a way of business. Lee says in a January 22 CNNMoney.com article that his company has succeeded since 1993 by employing this strategy. The typical single-family home the company buys ? usually in the downtown residential areas of rust-belt cities such as Baltimore and Philadelphia ? costs just $80,000. He hopes a downturn in the housing market will give him even more opportunities to buy low.

Experienced real estate investors offer two pieces of advice, which vary depending on your plans for the property.

If you?re buying to sell, Norris agrees that buying low is a good idea, but you have to understand the real estate market first. ?You have to be able to determine when a down market is about to switch and go up again, and buy then? he says. ?A lot of time people will see the market softening and buy too early. For example, someone in California might see a house go from $700,000 to $625,000, think it?s great deal, and buy it. But three year?s later the place will be worth $500,000.?

If you?re buying to rent, Redbrick Partners suggests looking at urban single-family housing. According to the firm?s research, nationwide single-family housing returns have averaged 12 percent since 1976, and volatility has been low, with not a single year returning less than 6 percent. The key to success for small residential landlords trying to calculate the yield for a property costing $250,000 or less, according to Redbrick Partners co-founder Tom Skinner in an October 2, 2005, Chicago Tribune article, is ?rent divided by two divided by price.? Typically, that gives landlords their yearly rental profit on a property to within 1 percent. It doesn?t account for any estimate of future appreciation or depreciation, but it is a pretty accurate measure for someone trying to determine if he or she will be make any money by buying a house and renting it out.

Sandy Shuad, Producer, Real Estate TV.com www.realestateinvestmenttv.com

Developed and launched in 2006, for real estate agents, brokers and investors, old and new, www.realestateinvestmenttv.com has exploded into a diverse website covering the latest news and information in the world of real estate investing, Check out the Real Estate Monthly Update Program, the latest Trends and Data or listen and learn from a free PodCast. Choose from over 50 different ?Channels? of specific content to watch, or upload your own ?Street Report? and become a REITV.com correspondent. By utilizing impactfull, original, and valuable content, via articles, advice, news, information, videos, Podcasts and professional reference, Real Estate Investment TV is being touted as ?the? place to go on the web for Real Estate Investment news and information. Check out the latest Trends and Data, choose from over 50 different ?Channels? of specific content, or upload your own Street? Reports and become a REITV correspondent.

3 Tips To Get A Repossessed House From The Government And Save

We know how much dent buying a house can give to our wallets and anything that can help us ease this impression will be a great thing. Have you heard of government conducted auctions? Yes they auction out houses too. Read on and find out more on how you may be able to achieve that house you want without losing so much cash.

1. Research first.

Oh yes with any purchase (specially the more pricey ones) you need to get used to researching if un-breaking your piggy bank is your main concern. Know the house first that are being sold by the government. If they have a list of the houses being sold try to look at all of them first before bidding.

Look into also of what comes with that house like how much is due and pending from the past (in the end you might have to pay for it and lose more). You also need to search also for the facilities included.

Is the structure of the house okay? Will it just fall down when the wind blows or will it withstand the test of time? Know how old the house is and what may be the problems with it like leaks, pipe problems or maybe infestation.

Look into price as well. Is the opening bid reasonable enough for the house? If it doubles due to a lot of bidders would it still be worth the price? Is the lot where the house is built priced correctly? Know the answers to this and you just did your homework.

2. Weigh

Aside from knowing if the price is worth it, you might want to consider search for other options and compare all of it. Choose what would be the best house for you and for your piggy bank.

3. Wise bidder

Yes be a wise bidder. Listen to all the bidders but be quiet. Let them do all the bidding and don't add up to the price first. If the bidding is about to end and you can afford it that is the time you can raise that arm and grab hold of that house.

The house is a serious matter to purchase. The auction by the government is the best bet to save more. Just be sure that the house you are bidding for is worth it and doesn't have other problems hidden along with it because in the end you just might end up spending more if you buy without researching.

To search for cheap repossessed houses, please visit http://www.buy-cheap-houses.info.

Home Sellers: Win the House Race

Today's home seller needs an edge to make their homes stand out in a buyer's market. Besides making their home most desirable, sellers need to monitor all aspects of their sale.

Selling a house is like a steeplechase race horse jumping over hurdles. Some race horses make the jumps look so easy; they run and jump in rhythm under the jockey's guidance. The home seller's job is to make home buyer's hurdles easy to jump. Home buyers make up their minds about a house on each step they take or every barrier they cross. As a home seller, you need to make sure your buyer crosses each barrier. Here are eight hurdles for you to win the house race.

Hurdle #1 Listings and Ads

Buyers make up their mind about the advertisement or listing whether or not to continue reading. That means they approve of the basic features and price.

They must see something in the advertisement or listing that makes your house stand out in a crowded market. To entice a buyer to pick up the phone and call about your house, the buyer must read some benefit that they want. This should be your property's best benefit to the buyer, such as Live across from Eagle Point Park; enjoy the views and playgrounds or Move right in without fixing or painting a thing. Owners will even help with your costs.

Hurdle #2 Yard Signs that Attract Attention

The yard sign should look professional and not take away from the appeal. Many over-sized yard signs clutter the landscape. Put the sign to the side a bit and consider a shorter sign for smaller houses.

Instead of wasting words with the all the amenities, make the phone number legible from the street and list the best feature not obvious from the curb.

Hurdle #3 Non-Generic Sales Flyer

Perhaps a house shopper will be interested enough to get out of their vehicle and pick up a sales flyer. This means that the flyer needs to be written with sales copy that gives motivation to see the property. A ho-hum generic flyer with a long list of features should be rewritten using Marketing Psychology with strong benefits to the buyer.

Hurdle #4 Curb Appeal

When shoppers pull up in front of your house, the first glimpse must impress them enough to get out of their vehicle to see what's inside. For condo sellers, the development has to pass approval and your unit should stand out with added appeal like large potted plants near the door in colorful containers. The typical house needs pizzazz near the front door to draw the eye into the house. You must entice the buyer to cross the threshold to see what's inside.

Hurdle #5 First Impression

Inside, the typical house shopper makes up their mind within 15 seconds whether or not they're interested in your house. This is why the first sighting inside must pass inspection and peak interest.

Hurdle #6 Lasting Impressions

To encourage shoppers to spend more than the usual four minutes previewing a house, use home staging strategies. Buyers select a home based on their emotions. They choose the home they connect with and one they think feels like home. This just doesn't happen in four minutes.

Houses that spark fantasy about living in the home, enjoying a better lifestyle, and entertaining friends help buyers make up their minds.

Hurdle #7 Easy Purchase

Buyers make offers on houses when they feel comfortable with the paperwork. If you're selling by owner, have a basic contract on hand that doesn't confuse buyers and have a closing agent or escrow officer draw up the formal documents later. If you're selling by agent, your agent must be trained on how to handle negotiations beyond just filling out forms.

Hurdle #8 Keep Sale on Track

During the sale process, monitor all the closing details. Keep your home staged for the most important date: appraisal day. Invite you buyers to return early in the sale for their walk through so they stay in love with your home. Make sure all the appointments are made and kept, such as inspections, and contracts signed on time.

Turn house shoppers into motivated buyers, help your buyers jump the hurdles, and you'll win the house race.

Copyright ? 2006 Jeanette J. Fisher

Jeanette Fisher, author of Home Staging with Design Psychology: Sell Your Home for Top Dollar--Fast! Doghouse to Dollhouse for Dollars: Fixing and Flipping Houses with the Design Psychology Edge, Joy to the Home, and other books, has researched the effects of environment on emotions for over 15 years. Besides flipping houses, Jeanette teaches college courses on Design Psychology and professional real estate investing seminars. Free Home Staging Information.

Free home sellers checklists, reports, and teleseminars at http://sellfast.info

Need Cash Fast?

Do you ever feel as though you?re drowning in payments? Have you extended your salary until there?s barely any left, in order to make your monthly obligations? Well, chances are you?re not alone. With the economy in a state of uncertainty, it?s difficult to plan from one day to the next with layoffs and job losses always a risk.

So why wait? Do something about those payments to help you plan for an emergency. If you are making high interest payments, chances are you may never see the proverbial end of the tunnel, especially if you only make your minimum monthly payment. And credit cards interest is at an all time high, considering so many people have incurred debt and have been unable to repay those obligations.

They have to make up the money some way, so they pass down the loss to the consumer in the form of even higher interest rates. But if you?re a homeowner, there is a solution. If you?ve owned your home long enough to have something built up called equity, you can actually get a quick loan for cash on your mortgage. That?s right. With a simple call to your mortgage broker and some minor paperwork, you can take out a loan (often referred to as a second mortgage) in exchange for cash to pay off all those high interest credit cards or other miscellaneous loans.

Sound like an easy solution? It can be, but remember you can?t borrow your way out of debt. The only way to become completely debt free is to pay off all balances. The second mortgage must be repaid. And as a rule, most consumers are advised to cut up their remaining plastic so the temptation is removed. Most financial advisors suggest having only one credit card with a minimal credit limit and ask their clients to pay off the balance every month. Be sure to check with your mortgage broker or financial advisor if you have any questions before signing your contracts and enjoy that left over money at the end of your month!

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Bulgaria the Unbelievable Overseas Property Investment

Im sure by reading the title of this article your probably saying to yourself just another con to make me part with my hard earnt money. Well if you dont believe me then just read the facts about this amazing overseas property investment oppurtunity open to everyone.

The country i am talking about here is the European state of Bulgaria. Bulgaria only twenty years ago was behind the Iron curtain of Russia.The country was of poor economic stability, little overseas investment with many people living in poor condfitions throughout this beautiful country.

Twenty years on Bulgaria is fast becoming the quickest developing european country in the world. The cost of living in Bulgaria is extremely low compared with the UK and especially London. Restaurant meals can be purchased for the equivalent of a few pounds and Bulgaria is expected to become a popular budget holiday location as more and more airlines offer direct flights. British Airways now flies direct from Gatwick from only ?75 return including taxes, although most investors are eagerly waiting the entry of easyJet and Ryanair which will happen in 2007.

Cheap Bulgarian Property prices can start from as little as ?4,000 for a modest sized house with 500sq M of land attached.

Bulgaria and cheap Bulgarian propertys are being hailed as the new Spain by property investment experts. Spain was under developed just like Bulgaria Fifteen years ago. Once investment started in the country's infrastructure, Many English, European & American holiday makers flocked there in their Thousands searching for sun and cheap propertys to invest in.

If you look today for an apartment on the coast of Spain, you would have to spend an average of ?110,000 upwards. The same equivalent apartment on the Bulgarian coast today will cost you ?15,000. The investment potential is amazing for anyone willing to keep their Bulgarian Propertys for a number of years will look to profit considerably.

Cheap Bulgarian Property is so affordable at the moment that any one visiting the country with a Credit card can become the proud owner of Bulgarian Propertys.

With the inclusion into the EU in 2007 Bulgaria will no dought follow the same direction that other European countries have since joining the European Union with amazing growths in economic stability,employment and overseas investment in production and exportation which will result in Bulgaria becoming one of Europe's most profitable countries in the near future.

Bulgarian propertys will be one of the top property markets in Europe during 2006 / 2007. Currently, in the European market, Bulgaria is the current hotspot with an average growth rate of 30% with the cheapest property prices in the EU. There are several other countries in the EU, which attract foreign investment for a variety of reasons. None, however, can rival the sheer number of factors, which makes Bulgaria an irresistible, safe location for your investment capital.

Bulgaria boasts the amazing Black Sea cost with at one point on the coast a strip of beach 8km long. Resorts such as Sunny Beach, Golden Sands and other resorts attracting thousands more year on year holiday makers looking for a cheap sun drenched holiday. The summer season boasts an amazing five-six months of sun with temperatures ranging from 75-110 degrees in peak summer.

With all this in mind, can you really afford to miss out on the last affordable country in Europe to purchase your dream holiday home or sound investment for you and your families future.

Amazing Overseas Property Investment - Make up to 500% profit!

Cheap Bulgarian Property!

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