Two Sets of Benefits from Two Different Condominiums

Condominiums had become one of the most popular and in-demand types of housings in the Philippines today. Part of the reason why is because these types of housings can offer the kinds of benefits that many more Filipinos are looking for today, either the accessibility to business and commercial districts, or an environment suitable for a growing Filipino family.

Two Different Types However, there are two different types of condominiums in the market today that offers two different benefits for different Filipinos. One type of condominium offers the luxury and advantage of living within walking distance from workplaces and entertainment places, while the other caters to the needs of many modern Filipino families in terms of providing a family-oriented environment. These are the condominium and condominium complex.

A Condo for Executives Condominiums were first established in the Philippines as a type of housing that caters to the needs of executives and wealthy Filipinos working in business and commercial districts. This is the reason why most of these types of modern housings are found in business and commercial districts, such as in Makati City.

According to Philippine real estate experts, its location allowed its residents to live within mass transit distance or walking distance from their workplaces as well as other popular entertainment places in the market. However, what made these types of modern housings even more popular in the market is because of its collection of amenities.

Many Filipinos and Philippine real estate experts had said that condominiums are the only types of housings in business and commercial districts that can offer their own gyms, indoor swimming pools, as well as sports complexes for their residents, which made these types of housings even more popular in the market.

However, there are several disadvantages of these types of condominiums, and this is also because of its location. Because of its location, as well as it’s lack of a suitable facilities, condominiums became unsuitable for a growing Filipino family. This is the reason why condominium complexes were founded in the Philippine market.

A Condo for Filipino Families Condominium complexes, according to Philippine real estate experts, became popular for modern Filipino families because of its family-oriented environment, in which most of these types of condominiums are found around the outskirts of Metro Manila or even in the provinces, such as in Tagatay.

Because of its serene and peaceful environment, as well as its wide open spaces, condominium complexes became a popular type of housing for wealthy Filipino families, particularly for those that only started to live out their lives as a family.

In addition to that, condominium complexes can also offer amenities that suit the needs of a growing child, such as recreational parks and playgrounds, other than swimming pools, gyms, and spots complexes.

The disadvantage, of these types of condominiums, however, is also because of its location. Because of its location, which is found far from the city, many of its residents found it harder to get back to their workplaces.

Factors To Consider When Constructing A Poultry House.

Poultry houses can be constructed out of a variety of materials and can be made into endless configurations. Chicken house construction is not difficult as long as the preplanning is done right. There are certain aspects of building the chicken house that should be considered when looking at designs. Below are 10 essential things that need to be considered whether purchasing or building the chicken house in order for the poultry house to be a success.

(1)The first thing to consider is the size and space needed and the space that is available.
(2)The location of the house. Be considerate of neighbors as there will be some odor and noise from the chicken house. Chickens should have shade and be out of the wind. The house should be in a location that is dry.
(3)What is the reason for raising chickens. The most common reasons are meat and eggs. The type of chicken raised will directly impact the size, location and type of chicken house.
(4)What are the best chicken breeds for the climate in which they will be raised. Some chickens weather different climate better that others. Make sure to conduct research into breeds before purchasing.
(5)There must be enough room in the coop for nesting boxes ( a good size is 1’x1’x1′), roosts (one square foot of roosting space for each chicken) and an area for food and water away from any roosting areas.
(6)There must be enough room in the coop for each chicken. A good estimate is 4 sq. ft per bird.
(7)Make sure there is some consideration for a run or outdoor space for the chickens to exercise and have access to fresh air.
(8)If the coop is to be a winter home for the chickens it will have to be insulated and protected from the wind. Birds also need light so there should be some consideration for windows.
(9)Ventilation will have to installed to vent the heat, odor and gasses naturally produced by chickens and their feces.
(10)The chickens will need protection from predators so the house will have to be secure.

Online Amortization Schedules

Online amortization schedule calculators are some of the best online available. They are web-based, so they do not need additional software or applications. Amortization schedules can be calculated immediately online on one of their web pages.

Ewmortgage.com is a mortgage advisor website that features a Java-based interactive amortization table (http://www.ewmortgage.com/mortgage/), and other mortgage-related applications such as APR/front end calculator, 5/25 and 7/23 balloon convertible mortgage calculator, car leasing payment calculator, monthly payment table generator, income qualification calculator, nominal and effective interest rate calculator, etc.

Realdata.com, real estate investment and development software developers, offers a web-based amortization utility (http://realdata.com/ds/amort2.shtml) and a Microsoft Excel version (http://realdata.com/ds/amort.xls) that can be downloaded for free. The web tool is Java-based so you need to enable JavaScript in your browser.

Calculators4mortgages.com also has a Java-based Amortization Schedule (http://www.calculators4mortgages.com/Calculators/Amortization-Schedule/amortization_schedule.html) that calculates the monthly payment of a specific loan and breaks down the amount of principal and interest paid over the term of the loan.

HSH Associates (http://www.hsh.com/calc-amort.html), a consumer loan information website, features an amortization calculator to generate an amortization schedule (by month or by year), as well the monthly payment for a mortgage paid either monthly or bi-weekly. It is also capable of demonstrating the effects of prepaying your mortgage on an irregular or regular basis. There is also a JavaScript version available.

Century21.com, a real estate website, lets you calculate amortization schedules and save, and email the result or amortization table. However, you need to register to use the save and email features. Registration also allows you to store your search criteria, file agent information and build a custom library. Entry method is standard such as loan amount, interest rate, loan term and monthly payment.

Commercial Property Investment Values Remain Stable

Investing in real estate has generally been considered as a relatively safe and profitable venture. Over the past few years however, the housing market has proven it is not immune to volatile ups and downs nor it has been safe from speculators and scheming fraudsters. Fortunately, during the same time, commercial properties have largely escaped the chaos and ruin that the residential market has experienced.

In fact, a recent study by Deloitte Consulting LLP, a subsidiary of the financial accounting firm Deloitte & Touche USA LLP, found many reasons to believe that commercial values are fairly consistent, making them a great real estate investment choice.

-In prior boom cycles, commercial real estate has responded by overbuilding. The industry has clearly learned its lesson because this time commercial real estate is enduring a credit crunch – not a crisis – partially because it resisted this urge. No doubt, the industry is in a strong position to withstand a recession, should one occur, and commercial real estate remains a viable investment option for those seeking to diversify and insulate their portfolios from market volatility,- said Dennis Yeskey of Deloitte’s real estate capital markets practice, as quoted in a press release on the company’s website. -Capital flow will return in 2008, with the exception of highly leveraged deals, and new opportunities are being sought in distressed debt funds, niche opportunities, and global markets.-

The -Real Estate Capital Markets Top Ten Issues – 2008- study found that although profits have been skimmed as the residential market has failed, commercial property investment values have held steady in many places, and have seen modest growth in others.

Plus, the surveys detailed, because of the shakeup in the housing market, mortgage underwriting rules that were also becoming too loose in the business world are now being examined and revised. The result is that investment loans will be safer, with less risk of fraud.

Another finding is that investment values have been strong in the office and industrial segment of this market, making them a much better investment at this time than retail properties or multi-family dwellings.

Additionally, funding for commercial property investment is much more readily available today than it is for residential real estate purchases. Of course, large down payments are still required as well as well-documented sources of income and assets, but the study found that lenders approve conservative commercial property investment loans quite often.

While some shifting of prices and expectations still need to take place, the study concluded that commercial market values have shown good stability and potential for pretty profits.

Going forward the study said, -Investors would do well to stop comparing CRE (commercial real estate) returns to the previous few years’ performance, and to take a closer look at how these returns fit into the bigger picture. Returns will probably be lower, but when compared to other investment categories (stocks, bonds, etc.), CRE remains an attractive investment vehicle due to its stability and opportunity for diversification.-

The Commercial property investment potential and analysis from KISCL will help you to get the complete resources and analysis on real estate and its dealings. Learn more on real estate, right here. Visit http://www.kiscl.com for more information.

Anastasia Gubarieva – A Professional Real Estate Supervisor

Anastasia Gubarieva has worked as a real estate agent in Los Angeles and surrounding areas. A skilled negotiator and a dedicated professional, she has been working hard to provide her clients with prosperities that offer the best value for their money. She believes that anyone looking for a good property should be able to find it at a genuine price. By maintaining a varied portfolio of properties in Las Vegas and surrounding areas, Anastasia Gubarieva offers her clients with choice and probability to find the property of their dreams. She is a hardworking real estate manager. Her skills in selling and managing properties have been appreciated by her peers and she has also guided many newcomers in the field on how to get leads and how to manage their properties in a professional manner. She believes that with her dedication and focus, she will make her mark in the real estate industry.

Anastasia Gubarieva

Step By Step Guide To Do E-marketing

There have been lots of emails sent to newsgroups recently promoting the ebook Internet Millionaire Secrets – Malaysian Koey Teow Style by Jason Tan from onlyinmalaysiamah.com claiming to be able to make you a millionaire with very little time and effort required from you. The main target of the campaign is Malaysian. Is it a scam?

Let’s look at some of the claims in the onlyinmalaysiamah.com web site:

Claim #1: Jason Tan received an email on the morning of 8/8/2006 that started his money-making journey into internet marketing and became a millionaire.

Claim #2: From his earnings, he bought a Damansara Perdana luxury condominium for RM600k by paying cash.

Basing on claim #1, he had been using this method since August 2006, that is exactly 10 months up to and including May 2007. At RM40k per month, that is a total of RM400k only. How did he manage to pay for the condominium in cash, not to mention the car and chicks.

If you explore his web site more closely, you will notice that he is running his business from Media Dynamix at Suite 312, MBE Damansara Perdana, G-20, Jalan PJU 8/3 Damansara Perdana 47820 Petaling Jaya, Selangor, Malaysia. So the Damansara Perdana bit in his claim may be true, but it is an office which could be rented premises. It is quite obvious that onlyinmalaysiamah.com is not an individual effort by Jason Tan (if he exists) but a business undertaking by a corporate body with a capable staff that costs thousands of dollars to maintain every month.

We can see that the claims made in the sales page are simply sales gimmicks. The testimonials and all. It is created using some authoring program and has the standard layout and look similar to thousands of ebooks offered for sales on the internet. But in the selling of get-rich-quick ebooks or other merchandize, it is common practice to use such sales gimmicks anyway. Jason is not alone.

After scouring the web for comments from those who had bought Jason’s ebook, it is clear that the ebook contains the following:

Content #1: A step-by-step guide on how to do internet marketing.

Content #2: How to solve the problems faced by Malaysian and those from some other countries in using Clickbank and Paypal.

He is also offering a free affiliate program to sell this ebook and other freebies such as free ebooks and 60-hours consultation.

Content #1 is readily obtainable if you google for clickbank, paypal, adwords, adsense or other popular offerings for internet marketing. But then you will have to screen through a lot of data to obtain the right info on how to conduct internet marketing. Using his ebook will save you time and effort and make your learning curve very short and gentle.

Content #2 is also readily available through user group discussion or through other ebooks such as Chapter-M by Gobala. If you have trusted relative or friend in Singapore, you will be able to do all these already with his/her consent and help since Singapore is a country accepted by both Clickbank and Paypal.

The free affiliate program offered is an independent program set up by onlyinmalaysiamah.com. You can register to participate in the program even if you did not buy the ebook. Commission payment from referred sales can be deposited into your accounts in local banks, Paypal or E-Gold. If you are already familiar with internet marketing, you can sign up to become an affiliate, post your affiliate links to where you can, and see if they will produce the results as claimed by Jason.

In conclusion, I will not consider this ebook a scam since it offers guides and methods that you can actually use in real life. Sure, not all the claims he made in the sales page are true. For all you know, Jason Tan could be just a fictitious name used by onlyinmalaysiamah.com to create the dramatic effect conducive to generate sales. You should be able to decide whether you accept those fraudulent claims as mere sales gimmicks which you can tolerate, and whether the RM90 asking price of the ebook is worth it. That depends very much on how much time you will have to spend to garner the same information contained in the ebook, and how much your time is worth at this moment. In my opinion, buying this ebook is way cheaper than attending seminars to obtain the same information contained in the ebook, and much faster if you were to hunt for the same information by yourself.

So, if you are a beginner, and you want to venture into internet marketing quickly, this ebook is a good place to start:
http://onlyinmalaysiamah.com/?ref=tarapapa

A Brief History Of Insulation – Look How Far We’ve Come

The Ancient Egyptians used it. So did the Ancient Romans. In the 1800’s, a guy wrote about it, sort of. By the Great Depression, there was a growing demand for it. In the mid 1970’s, medical science told us we were doing it wrong. Now, 21st century builders have to “go green” to earn green. And the future seems brighter (and more energy efficient than ever.) We’ve used cork, asbestos, glass, plastic, foam and even mud to do it. Yes, when you look at the history of insulation, in all its myriad forms, we can see just how far we’ve come.

The Ancient Egyptians used insulation to keep their desert homes and buildings cool, and their linen clothing warmer in the cooler winter months. They added papyrus linings to their loincloths and skirts to keep warm in winter. They built their homes of thick brick, designed to help keep out the sun’s scorching heat in summer.

The Ancient Greeks knew about asbestos, in fact they named it. They used it to dress their imported slaves, as well as for the wicks of their eternal temple flames, napkins and the funeral dress of kings. The material’s flame-resistant properties gave it a bit of a mystical appeal to the Greeks. They had a common name for it, too crysotile which means “gold cloth.” The Greeks were the first to go on record as noting that asbestos caused a “lung sickness” in the slaves who worked with it and wore it. The Greeks also knew how to insulae their homes, using cavity walls. The air trapped in between the inner and outer walls would act to help keep out the colder or hotter air, depending on the season.

Always on the look out for the next best thing, the Ancient Romans also dressed their slaves in asbestos cloth. They made tablecloths and napkins for restaurants and banquets out of asbestos cloth, throwing it into the fire between diners or courses to clean it of crumbs. The Romans were perhaps the ancient world’s most noted engineers, and they knew enough to build cavity walled structures, too. They learned to insulate their heated water pipes with cork from Spain and Portugal so that they could be placed under floors without fear of overheating the flooring.

The Vikings and other northern Europeans learned to insulate their homes with mud chinking, plastering it in the cracks between the logs or hewn boards of the buildings walls.. When mixed with horse or cattle dung and straw, the mud was known as daub, and was considered a stronger, better building material over plain old mud. They created clothing out of thick sheep’s wool, and may have even used cloth to line the interior walls of their homes.

Cloth came to be widely used in the Middle Ages among the wealthy as stone once again came into fashion for home building. These imposing stone structures tended to be drafty, damp and cold. Large ornately embroidered or woven tapestries would be hung on interior walls, partly to block out the drafts and partly to soak up the dampness. Rushes on the floors also helped to keep things a bit warmer underfoot.

During the Industrial Revolution, manufacturers turned once again to asbestos for their insulation needs. Steam-powered technology meant lots of hot pipes to carry the steam to where it was needed. These hot steam supply pipes could be made safer for workers by wrapping them in asbestos. With the invention of the steam locomotive, the demand for asbestos exploded. Suddenly, fireboxes, boilers, pipes and even boxcars and breaks were lined or wrapped in the heat retarding, flame-resistant fibers.

During the Great Depression, residents of the “Dust Bowl” of the US Southern Plains region attempted to insulate their homes from the choking dust storms by using strips of cloth coated in flour-based glue or paste. These could then be pasted over cracks around window and door frames to try and keep out the dust. City dwellers often did something similar with newspapers, stuffing them in cracks in window frames in hopes of keeping their frigid tenement apartments a bit warmer against winter’s chill.

Asbestos continued to be the main source of both industrial and residential insulation through the 19th and mid 20th centuries, though. World War II saw it being used in aircraft and ship production. In the 40’s and 50’s, mineral wool or rock wool started to overtake asbestos in popularity, however. Having been “discovered” in the 1870’s a safer manufacturing process led to its wider spread use among construction and industry.

The rediscovery in the mid-1970’s of asbestos’s harmful health effects signaled the death knell for asbestos materials in building construction. You’ll still find it keeping your automotive breaks and clutches cool, however, and crysotile is still being mined in some countries.

With the decline of asbestos, other forms of insulation had to be found and found quickly. Fiberglass insulation comes in various forms and is considered to be the “traditional” choice in home insulation. Styrofoam sheets and PVC wraps are now available. Concerns over the ecology and environment have led to the “discovery” of several forms of insulation considered to be more environmentally sound. Paper cellulose, recycled cotton denim and even sheep wool are being touted as the new wave in insulation. Imagine, cloth and wool as insulating materials? Perhaps we haven’t come that far after all!

Mortgage Broker Software Impress Your Clients With Software For Mortgage Brokers

Customer relationship management (CRM) is an integral part of a mortgage brokers job because it is extremely important to follow up with customers in a timely and respectful manner. This means leaving enough space between contact attempts, so as to not appear pushy or over-eager to secure a loan. Let mortgage broker software help you manage your client base, help generate mortgage leads and provide marketing automation for you to make your life easier and to grow your business quicker. Many software programs even offer additional benefits like loan calculations, all of which are automated and accurate.

You can now easily maintain a client database with a mortgage broker software program, as it allows you to view your current loans in progress online in an easy to use manner. Alternatively, a searchable database allows you to locate prior clients when you have new offers that may interest them. The possibilities are endless to improve workflow and increase mortgage CRM when you use a reputable software program, for instance you can create comparison charts for various options to display to your refinance customers.

Maybe a 20 year note would be a more cost effective solution, as opposed to keeping your mortgage payments on a 30 year note. Its never been easier to show them their options as it is now, thanks to these easy to understand comparison charts. You can even utilize hundreds of marketing templates to produce flyers that look professionally designed as well!

Mortgage broker software programs are compatible with standard loan applications like Fannie Mae and Freddie Mac. These programs are specially designed to speed up the application process because they offer user friendly electronic alternatives to filling out forms. Submit PDF loan applications via email to your clients, that way they can print and sign them at their leisure, or fill them out electronically and email them back. Going green is another advantage to this type of software. You can eliminate printing multiple hard copies of applications for others involved in the mortgage process, like loan officer assistants and mortgage underwriters. All of these advantages make a smooth, seamless process for you and your clients.

You are also likely to increase your customer retention rates when you use mortgage broker software programs. When you engage the services of a professional company with reliable software, you open yourself up to incredible results. The benefits to working with a professional company includes customized software solutions that can help build your business from the ground up, or obtaining targeted solutions for portions of your mortgage broker business. Ongoing technical support is also a standard benefit with software packages you purchase. Researching all of your options for software solutions can help you obtain the program that is right for your company and your budget.

New Government Initiatives To Boost Real Estate Sector In India

At the Government level many new policy initiatives have been taken recently to boost the real estate Property in India . These policy decisions will lend a stimulus and impetus to the industry. It is beyond doubt that the new initiatives will unlock the potential of the sector. Also, along with the stimulus package announced by the Government, the Reserve Bank of India (RBI) has taken a definitive step whereby banks are allowed to devise new schemes beneficial to the property sector.

As part of the Government initiatives to boost real estate boom sector India, RBI has declared concessional schemes for the real estate sector. Such initiatives include:
Urban Land (Ceiling and Regulation) Act, 1976 (ULCRA) repealed by increasingly larger number of states.
In case of integrated townships, the minimum area to be developed has been brought down to 25 acres from 100 acres.
51 per cent FDI allowed in single-brand retail outlets and 100 per cent in cash-and-carry through the automatic route.
Full repatriation of original investment after three years.
Minimum capital investment for wholly-owned subsidiaries and joint ventures stands at US$ 10 million and US$ 5 million, respectively.
100 per cent FDI allowed in realty projects through the automatic route.

Further, in its endeavour to initiate new policies to boost the real estate sector in India, the Ministry of Commerce and Industry, Government of India, has taken steps to reduce the time taken to develop special economic zones (SEZs) by simplifying the procedures to get the tax-tree industrial enclaves notified. Now developers can easily get their land classified as an SEZ at the outset itself by producing title deeds to prove their ownership. Again, the Government has announced several concessions in the Budget 2008-2009.

New Government initiatives to boost sector of Real Estate India include granting a tax holiday on profits from initiates in the financial year 2007-2008. In order to enjoy this benefit, the housing projects should be of the affordable housing unit type of 1000 to 1500 square feet. Another condition is that such projects should be completed by March 1, 2012. Further, the Finance Ministry has allocated US$ 207 million to grant 1% interest subsidy on home loans up to US$ 20, 691. In order to avail this benefit, the cost of the home should not be above US$41, 382. It is believed that these initiatives will be add further impetus to the real estate sector in the country.

Taking Deep Dive into Access Control Technologies

No matter what, access control technologies are the nuts and bolts of modern time security solutions. Advanced technology, lower cost of maintenance and higher level of security are the three pillars of the huge success of this type of technologies. But, before you plunge into your project, read on this article to understand this technology at the bottom level.

Let’s understand why access control is essential

Access control technologies form an integral part of a safe working or home environment. It saves employees, staff and assets cost effectively. There are many physical access control systems. Manual systems include a guard, a doorman or a receptionist. However, technologies are smart, better and cheaper.

For choosing the right sets of devices, you must consult an experts and the rest depends on your requirement and level of security you need to manage for your workplace or home.

Advantages-

With help of access control technologies, employers can control access more effectively. Previously, keeping a track of timings was a huge area of disputes. Now, those types of problems are minimized with the help of this access control system.

For more effective reporting, this access control technologies help managers quite effectively. Entry and exits can be reported transparently and visitors entry and exit can be booked in advanced in order to have a greater control over what previously used to be very hectic. Be careful and manage everything at the click of a mouse.

Management-

The first essential thing that you need to learn is how to make your access system simple yet effective. At the outset the entire project may appear to be very complex regardless of what is the size of the system you want to build. There are many things that you need to consider; the timings when employees should arrive and leave, long they are permitted to stay on site and in times of emergency how the staff can take steps.

Visitor’s access needs to be control too. With access control technologies, one can easily get the right way to managing entries and exits quite well. Put video cameras for having an eye on what visitors spend time and how long they stay stayed.

Types of Cards- There are three types of cards that read the data entered and stored-

1.Basic Card- A basic card with a PIN number and forward it to a control panel. 2.Semi-intelligent Readers- A card that stores data and can retrieve at any time. 3.Intelligent readers- Save all input and output in chorological manner and retrieve data when and in the exact form its necessary.

To conclude-

Start knowing what is more essential for your access control system. It will help you get started at the right time and bring all needed security.

Before you buy a car that uses high end technologies, you take a test drive in order to understand how it works and how you derive benefits from it. This article is pretty like your test drive. It tells you about Access Control Technologies at the clearest possible way. If you need professional help, consult an expert.