Real Estate Feeds

Re:hello

2009-11-08T05:39:00.001-08:00

Re:hello
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Nouveau Windows 7 : Trouvez le PC qui vous convient. En savoir plus.

Daily Real Estate News

2009-11-06T11:43:00.001-08:00

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November 6, 2009


	Advertisement AGENT ALERT: NAR reports 87% of buyers go online to find their next home. Get the all-new FREE Agent Success Kit and see how you can leverage the Market Shift and make these buyers YOUR clients. Click Here for Your Success Kit—AND Get a FREE Business Consultation.



	Obama Signs Extended Tax Credit into Law NAR mounted an effective campaign to ensure that Congress extended and expanded the home buyer tax credit. Read more >

	NAR to Launch Consumer Site HouseLogic, a new Web site for home owners, will be unveiled during the upcoming 2009 NAR Conference and Expo in San Diego. Read more >

	Declining Inventory Sign of Stabilizing Market Industry experts say declining home inventory is a good thing, but it doesn't necessarily mean prices will rise soon. Read more >

	Wells Fargo Tries Loan Exchange Anticipating eventual market pick-up, Wells Fargo is trading option ARMs for interest-only loans, while economists question whether it's an improvement. Read more >

	First-Time Home Buyer Show Sets Records HGTV points to tax credit as spurring interest in "First-Time Home Buyers' Hour," which had a 33 percent ratings increase in October. Read more >

	Redfin Posts MLS Final Sales The online broker site will be posting final sale data immediately, allowing consumers to do their own comparative market analysis. Read more >



	How I Sold It: An International Dilemma

	Carole Bowen: Branding Counts

	How to Be Instantly Creative for Greater Profits



	Register for the Good Neighbors Webinar Attend a free webinar to learn how you can serve your community while building your business. Read more >

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Meet the man who predicted the US financial crisis.... (FREE invitation)

2009-11-05T23:10:00.000-08:00

Dear Savvy Investor,

In investment circles around the world, Addison Wiggin is highly acclaimed for "calling it first and calling it right" with respect to the current and ongoing global financial crisis. In fact, way back in 2002, he along with his writing partner, Bill Bonner, made a Nostradamus-like prediction on the US economy, based on solid facts, figures and a keen observation of the market conditions - the dotcom bust, 9/11, the stock market bubble...If only, the world had listened!

Addison, a three-time New York Times best-selling author, and also the publisher of Agora Financial, recently flew down from Baltimore, USA to spend a week with us at Equitymaster.com. (He's studying the BRIC nations). He is our guest speaker at the FREE Equitymaster Webinar, which will be held on Monday, November 16th at 5.30 pm IST, titled, 'The BIG investment theme for the next decade'. (There will be a repeat broadcast on Friday, 20th November at 10:00 am.)

This FREE webinar, brought to you by Equitymaster.com, is a part of our ongoing initiative to get independent voices to give you their unbiased opinions about the economy and your investments. In an interview that lasted well over 30 minutes, we asked him the questions that we knew would be on your mind.

Is the financial crisis really over?
Is the dollar likely to collapse?
The Dow Jones and its impact on the Sensex?
Where would gold be in the next 5 to 10 years?
Is it a good idea to invest in alternative energy stocks?
And of course...What's the BIG investment theme for the next decade?

To receive our invitation for the FREE webinar, you will first have to sign up to read another free and independent voice. J. Mulraj in his special column for Equitymaster - 'Straight From The Hip', a FREE weekly update on the domestic and global stock market. Yes, this too is a FREE service.

J Mulraj needs no introduction (he's been writing on the stock market for over 18 years) but if you are new to investing then there is none better to help you "get a grasp of the situation in a lucid manner", as one of his avid readers put it.

Here's what another reader, B H Mankodi has to say about J Mulraj's column...

"Your language and fluency and lucid treatment of complicated financial subjects is something nobody can beat. Thanks for enriching our lives".

So we have a double bonanza for you this November:

The FREE webinar on 'The BIG investment theme for the next decade" by Addison Wiggin.

And 'Straight From The Hip', the FREE weekly update on the stockmarket by J Mulraj which will be delivered to your inbox.

And if you are wondering, "What's the catch?" - be assured that there are no strings attached.
No subscription fees to be paid.

So, don't delay. Sign up NOW for Mulraj's FREE weekly column and get to view the upcoming Webinar!

Click here to register! (Only Email ID required for registration!)

Happy Investing always,

Rahul Goel
Chief Executive Officer
Equitymaster.com

P.S: I'm sure you have many NRI friends and relatives who would be interested in listening to Addison's insights. So do forward this mail to them.

P.P.S: I know that you are going to find J Mulraj's column very enlightening but if even after a week, you don't wish to receive it, you can always unsubscribe to it (it's very easy).

P.P.P.S: For further information, please call - 092232-63403 / 092233-20146 or Write in to us.

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Get NAR Mobile, Five Practical Short Sales Tips, More

2009-11-05T11:26:00.001-08:00

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November 2009

As a benefit of NATIONAL ASSOCIATION OF REALTORS® membership, subscribing members get a monthly look at what's new and useful on REALTOR.org. For information on managing your e-mail subscriptions, see the links below.

To view past issues of the REALTOR.org Essentials newsletter, access our online archive.

Earn a Designation and (Likely) More Money
REALTORS® with NAR designations typically earn almost double the income of those without specialized training. Celebrate November as REALTOR® Designation Awareness Month – and the beginning of what could be your higher-paying career – by taking courses for an official designation or certification.

Help Improve Your NAR Web site, REALTOR.org
Check out the new REALTOR.org home page -- we've redesigned it to make it easier than ever to find what you need – and then take a quick survey to let us know how we've done.

NAR Mobile Delivers REALTORS® Conference Info to Your Phone
Do a simple application download on your smartphone (a video tutorial's available if you're not sure how) and you'll be able to find the session, speaker, exhibitor, and hotel info you'll need while at the 2009 REALTORS® Conference & Expo in San Diego.

Learn to Stay Safe When Attending a Convention
Watch a short video from NAR's REALTOR® Safety program to get great tips on how to stay safe before and during your travels to the REALTORS® Conference and other business meetings.

Get Five Tips on Handling Short Sales
Understand the ins and outs of distressed sales and learn practical ways to work with clients on both sides of these transactions from celebrated real estate veterans and NAR presidents Charles McMillan and Vicki Cox Golder.

Entertainment® 2010 Books Are Perfect for Holiday Giving
Don't miss your opportunity to order Entertainment® 2010 Books at a 55 percent savings off the retail price! This perfect client gift for holidays, closings, and referrals is from REALTOR Benefits® Program partner Entertainment Publications. Each Entertainment® 2010 Book has more than $10,000 in discounts your clients can use every day -- dining, shopping, groceries, movies, and more. Order by Nov. 16 to receive by Dec. 8. Visit http://www.entertainment.com/nar or call 800/672-3053.

Be on NAR-TV, Meet a TV Icon, More
Drop anchor at the REALTOR® Harbor, NAR's Booth (#2935), at the 2009 REALTORS® Conference & Expo and you could show up on NAR-TV. Cameras will be recording Friday night from 4pm to 6pm with your opportunity to "Tell Us Why You Love Being a REALTOR®.," and from 10am to noon on Saturday and Sunday to record your "REALTOR® story." While at the NAR Booth, you can also take in more than 20 free presentations, get an autograph from iconic star of TV and film William Shatner (Nov. 14, 1pm-4pm), and more.

E-mail Subscription Services

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THE NATIONAL ASSOCIATION OF REALTORS®
Headquarters: 430 N. Michigan Ave., Chicago, IL 60611 | 1 800 874 6500
DC Office: 500 New Jersey Ave. NW, Washington, DC 20001

Daily Real Estate News

2009-11-05T10:02:00.001-08:00

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November 5, 2009


	Advertisement AGENT ALERT: NAR reports 87% of buyers go online to find their next home. Get the all-new FREE Agent Success Kit and see how you can leverage the Market Shift and make these buyers YOUR clients. Click Here for Your Success Kit—AND Get a FREE Business Consultation.



	Senate Approves Tax Credit Extension, Expansion A $6,500 credit is added for existing home buyers and income limits are raised. Read more >

	Six Tips to Better Online Real Estate Photographs Given the importance of online searches, listing photos shouldn't be an afterthought. Read more >

	FHA Delays Implementing Rules for Condo Loans A plan to require recertification of already certified projects is scrapped after the mortgage industry raises concerns. Read more >

	Report: Commercial Real Estate to Bottom in 2010 Construction financing will remain virtually non-existent until existing properties are addressed. Read more >

	Federal Reserve Keeping Key Interest Rates Low The banking regulator plans to maintain its effort to buy mortgage-backed securities. Read more >



	How I Sold It: An International Dilemma

	Carole Bowen: Branding Counts

	How to Be Instantly Creative for Greater Profits



	Register for the Good Neighbors Webinar Attend a free webinar to learn how you can serve your community while building your business. Read more >

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Daily Real Estate News

2009-11-04T10:23:00.001-08:00

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November 4, 2009


	Advertisement AGENT ALERT: NAR reports 87% of buyers go online to find their next home. Get the all-new FREE Agent Success Kit and see how you can leverage the Market Shift and make these buyers YOUR clients. Click Here for Your Success Kit—AND Get a FREE Business Consultation.



	Senate May Approve Tax Credit Wednesday The U.S. House vote on the legislation is expected either Friday or Monday. The new plan raises income limits but offers smaller credits for current owners who purchase a home. Read more >

	Refinancing Fuels Loan Activity Mortgage applications rose 8.2 percent last week as interest rates generally declined, according to the Mortgage Bankers Association. Read more >

	Voluntary Loan Defaults Are on the Rise More borrowers walking away from mortgages even though they have the ability to pay takes the foreclosure crisis to a new level. Read more >

	Israeli Company Buys Up South Florida Condos Dizengoff Group has purchased 118 condominium units for $6.75 million and plans to rent them out until the market recovers. Read more >

	How to Polish Your Personal Brand Marketing campaigns should make emotional connections with consumers and spell out how your services stand out from your competitors. Read more >

	Single Life Rules in the Big Apple Census Bureau finds that 50.3 percent of Manhattan residents live alone, making one-bedroom and studio apartments the most popular rentals. Read more >



	How I Sold It: An International Dilemma

	Carole Bowen: Branding Counts

	How to Be Instantly Creative for Greater Profits



	Register for the Good Neighbors Webinar Attend a free webinar to learn how you can serve your community while building your business. Read more >

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America Property Alerts, 4 November 2009

2009-11-04T09:03:00.001-08:00

America Property Alerts

4 November 2009

Dear APA Friend,

New data from the National Association of Realtors (NAR) shows the US resale market in a more favourable light with a 9.4 per cent climb in resales in September; the highest level since 2007. They are now up to 5.57 million units compared to 5.09 million a month before. Prices are falling at a slower rate too. According to Standard & Poor's/Case-Shillier Index, declines have slowed to 10.6 percent in their 10 city index and 11.3 per cent in the 20 city index.

Florida's property market is reportedly recovering the fastest from the economic crisis. Properties are selling as demand is high from all the foreign buyers. Many pundits are saying the market has bottomed out here. S & P Case-Shillier's latest report finds that prices rose in South Florida by 1.1 per cent in August.

Property pundit Ben Jeffries rates Florida, "In the current climate there are two types of investor, those with wads of cash looking to buy distressed property at massive discounts and sell for a huge profit as soon as the recovery is strong enough, and buy to let investors who are looking at solid cash-flow properties where they can pay a mortgage with the rental income."

"They have one thing in common, they are looking for bargains. Florida is perfect for both groups; rental yields are impressive on Florida properties because of its popularity with tourists and it also has a high prevalence of repossessed properties and distressed sales."

"Owners of properties near the popular resorts like Disney World can make excellent yields, because hotel and package holidays cost a fortune per person and each year more and more people cotton on to the fact that private rentals, priced by the group or the family are much cheaper. The internet revolution has helped massively in this."

Exciting news for the property market in Brazil where the country's Ministry of Tourism says that mortgages could be available for foreign buyers within the next 12 months. Laercio de Souza at the Mininstry says, "Although in theory the Central Bank allows foreign investors to have access to finance in practice it does not really happen. In some rare circumstances, for example when a foreign buyer already has an account with an international bank such as HSBC, it happens, but the system for people to get finance is not really in place." Sankha Guha has written an article for The Independent on Brazil which makes for an informative read, especially for active buyers looking to familiarise themselves with the country ahead of buying there:

http://www.independent.co.uk/travel/americas/rios-expecting-visitors-and-shes-become-houseproud-1804633.html

Finally, over at IPA, Iain writes, 'The US apart-community deal! I've been looking at various deals over in Florida and we have narrowed our choices down to three or four. I am due to go out there soon but just need to sort out the legal and financial side of things before I do. I will send an update out at the weekend and will be asking for a firm show of hands at that stage. I am going to limit numbers on this to somewhere between 20 and 50 investors.' Do watch for the ad and let Iain know if you want to take this further. He already has 17 members committed to this offer and spaces are limited.

Best Wishes

Rachel

Rachel Knox
America Property Alerts

America Property Alerts provides free e-alerts on American property news for subscribed members. We research all of our news and information carefully but disclaim responsibility for any inaccuracies or omissions.

News provided by these free e-alerts is for general information only. Subscribers should not rely on this when making decisions. America Property Alerts and its staff do not accept any liability for losses suffered by subscribers.

You are strongly advised to take independent professional advice before investing. Purchasing a property in America is not the same as buying a property in the UK.

America Property Alerts takes your privacy very seriously. We promise we will never sell or hire or trade or give away your e-mail address.

If you decide at any time that America Property Alerts is not for you, just click the unsubscribe link at the bottom of this email and you can remove yourself from the list immediately.

You can write to America Property Alerts at Providence House, Little Sampford, Essex CB10 2QQ. You can email the editor, Iain Maitland, at Imaitland@aol.com. Telephone and fax numbers are provided on request to members but are not publicised due to the high volume of calls that would be received from agents and developers. You can visit the web site at www.americapropertyalerts.co.uk.

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America Property Alerts, 4 November 2009

2009-11-04T08:55:00.001-08:00

America Property Alerts

4 November 2009

Dear APA Friend,

http://www.independent.co.uk/travel/americas/rios-expecting-visitors-and-shes-become-houseproud-1804633.html

Best Wishes

Rachel

Rachel Knox
America Property Alerts

You are strongly advised to take independent professional advice before investing. Purchasing a property in America is not the same as buying a property in the UK.

America Property Alerts takes your privacy very seriously. We promise we will never sell or hire or trade or give away your e-mail address.

If you decide at any time that America Property Alerts is not for you, just click the unsubscribe link at the bottom of this email and you can remove yourself from the list immediately.

_____________________________
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America Property Alerts, 4 November 2009

2009-11-04T08:53:00.001-08:00

America Property Alerts

4 November 2009

Dear APA Friend,

http://www.independent.co.uk/travel/americas/rios-expecting-visitors-and-shes-become-houseproud-1804633.html

Best Wishes

Rachel

Rachel Knox
America Property Alerts

You are strongly advised to take independent professional advice before investing. Purchasing a property in America is not the same as buying a property in the UK.

America Property Alerts takes your privacy very seriously. We promise we will never sell or hire or trade or give away your e-mail address.

If you decide at any time that America Property Alerts is not for you, just click the unsubscribe link at the bottom of this email and you can remove yourself from the list immediately.

_____________________________
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Daily Real Estate News

2009-11-03T10:51:00.001-08:00

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November 3, 2009


	Advertisement AGENT ALERT: NAR reports 87% of buyers go online to find their next home. Get the all-new FREE Agent Success Kit and see how you can leverage the Market Shift and make these buyers YOUR clients. Click Here for Your Success Kit—AND Get a FREE Business Consultation.



	MIT Index Says Commercial Prices On the Rise Commerical prices rose 4.4 percent in the third quarter, the first increase in more than a year. Read more >

	High Stress in High-Foreclosure States The Associated Press' monthly survey reports that Nevada, Michigan, and California remain at the top of the list of areas with the most anxiety over the economy. Read more >

	Roundtable Views Market as Weak A quarterly survey by the Real Estate Roundtable states that the industry is still negative about the outlook for 2010. Read more >

	Ministry Delivers Help to Needy, Joy to Founder 2009 Good Neighbor Finalist Samuel Thomas Jr. serves food to the homeless, with a side of hope. Read more >

	Foreclosure Expert Predicts Housing Malaise With more waves of foreclosures coming, Rick Sharga believes the housing market will not recover until 2013. Read more >

	Real Estate Pros Team Up to Make More Sales The New York Times reports that real estate teams are becoming increasingly popular choice for practitioners. Read more >



	How I Sold It: An International Dilemma

	Carole Bowen: Branding Counts

	How to Be Instantly Creative for Greater Profits

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CRT Report: Fall 2009

2009-11-03T09:57:00.001-08:00




	Welcome to the CRT Report for Fall 2009 Articles in this edition include: What to Watch For Technology: Inversely Proportionate to Your Wallet Exploring the Cloud Amazon Web Services Elastic Compute Cloud Good-Enough Technology What's the Deal With Windows 7? Please follow the link below to read The CRT Report: http://crt.frogpond.com/DispNewsletter.cfm?NEWSLETTER_ID=3419


To ensure that you continue to receive e-mails from the National Association of REALTORS®, please add nar@newsletters.realtor.org to your e-mail address book. Unsubscribe from this e-mail newsletter. Manage E-mail Preferences To change your e-mail address, or manage your subscriptions, please log in to your REALTOR.org account. Your REALTOR.org username is TelanganaDeccan. For security reasons, we cannot display both your username and password in this e-mail. Your password may be retrieved at https://reg.realtor.org/roreg.nsf/ForgotPassword?OpenForm. Please keep this information in a safe place. This will allow you to sign up and access your e-mail newsletter preferences at www.realtor.org. Customer Support Visit our customer support page for help with your account. Privacy Policy Please do not reply to this e-mail. This mailbox is for distribution only. NATIONAL ASSOCIATION OF REALTORS.® 430 North Michigan Avenue Chicago, IL 60611 800/874-6500 www.REALTOR.org

Commercial Report, November 2, 2009

2009-11-02T13:58:00.001-08:00

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AFFILIATES

LAW & POLICY
ADVOCACY

RESEARCH
INDUSTRY EVENTS

November 2009

IN THIS ISSUE

INDUSTRY NEWS AND EVENTS

NAR Suppport for Commercial Real Estate

30 Leadership Success Skills for Broker Owners

Fitch Report on CMBS Study Released

RESEARCH, RESOURCES, LEGAL

He Transitioned And He's Glad he Did!

Surviving & Thriving in a Slowing Market

NAR Green Designation -- Commercial Course Just Launched!

AFFILIATE NEWS

IREM Offers Scores of Courses; Check 'em Out!

Having Difficulty Finding Capital?

CCIM to Launch New Curriculum, Technology Tools

INDUSTRY NEWS AND EVENTS

NAR SUPPPORT FOR COMMERCIAL REAL ESTATE
In this month's Commercial Podcast, listen to Jim Helsel report about the Industry Collation's efforts to support securitized markets and tax policies. He also highlights features of the upcoming NAR Conferece and Expo in San Deigo from Nov 13 -16. To listen, click here.

30 LEADERSHIP SUCCESS SKILLS FOR BROKER OWNERS
Watch a preview of Jack O'Connor's NAR Conference session. On Nov. 14, from 1:30 till 3:00 p.m., veteran broker O'Connor identifies 30 leadership skills for owner/manager success. Broker owners and managers, you may wish to make your own list prior to attending the session and see how your list compares to the presenter's list. Read more here.

FITCH REPORT ON CMBS STUDY RELEASED
As commercial real estate debt capital remains scarce, less traditional loans are becoming more common. Reforms with REMICs -- (RE Mortgage Investment Conduits) mortgage bonds that divide mortgage pools into different maturity and risk classes -- are part of the reason.

As of Q3 2009, about 10% of loans that had been in special servicing have returned to the master servicer and are now categorized as current. To read more click - here

RESEARCH, RESOURCES, LEGAL

HE TRANSITIONED AND HE'S GLAD HE DID!
How might you translate your residential sales skills to the commercial market you ask? Is full time commercial real estate right for you? David Murphy, CCIM, SIOR has been among our most popular speakers, so come listen and decide if this transition is right for you. David speaks at NAR's annual conference in San Diego on Nov. 13 from 10:30 till 11:30 a.m.

Don't forget, you can also network with colleagues and get "hands-on" at Booth #3025 in the Commercial Block on the expo floor. Learn more - click - here.

SURVIVING & THRIVING IN A SLOWING MARKET
Every market has its ups and downs -- real estate is no exception. To stay in the market, find your niche and implement new marketing methods. Residential and commercial specialists have clients looking to them for advice. Here's an updated Field Guide that offers tips and ideas to help you survive and thrive in a challenging market. To read more, click - here

NAR GREEN DESIGNATION -- COMMERCIAL COURSE JUST LAUNCHED!
This Commercial Elective Course provides a comprehensive understanding of commercial green building principles, products and practices.

Successful completion of this one-day, six hour course counts as credit toward earning NAR's Green Designation. The course is $125 and may be completed online at REALTORUniversity.org or in a classroom setting. To see details, click - here

AFFILIATE NEWS

IREM OFFERS SCORES OF COURSES; CHECK 'EM OUT!
Explore the many educational opportunities IREM offers! Search the Course Schedule to see what's offered in your region. For example, "Property Operations I", the first of a two-part series, addresses essential human resources and marketing and leasing concepts that help properties in today's competitive real estate market. Read more - here.

HAVING DIFFICULTY FINDING CAPITAL?
In this webinar titled, "How to Obtain Capital for CRE Projects," Ryan Krauch, Principal with Mesa West Capital in LA, CA, addresses qestions regarding acquiring capital in today's economy. here.

CCIM TO LAUNCH NEW CURRICULUM, TECHNOLOGY TOOLS
The CCIM Institute's 2010 membership benefits package represents the most significant advancements in its education program and technology tools in more than a decade. Three years in the making, the new CCIM curriculum, as well as enhanced technology tools, are designed to give you more actionable, applicable results first thing Monday morning. To view this short video and tap into your CCIM power base, click - here.

Report compiled by Barbara Hamlin, bhamlin@realtors.org, 312/329-8464. QUESTIONS on this report? Visit the INS FAQ and online feedback area on REALTOR.org. Click here.

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NATIONAL ASSOCIATION OF REALTORS®
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800/874-6500 www.REALTOR.org

Daily Real Estate News

2009-11-02T11:28:00.001-08:00

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November 2, 2009


	Advertisement AGENT ALERT: NAR reports 87% of buyers go online to find their next home. Get the all-new FREE Agent Success Kit and see how you can leverage the Market Shift and make these buyers YOUR clients. Click Here for Your Success Kit—AND Get a FREE Business Consultation.



	Pending Home Sales Continue to Rise Hitting a record eight straight months, pending home sales have seen the longest gain since recording started in 2001. Read more >

	Mandatory Sprinkler Proposal Still Alive A requirement to install sprinkler systems in all new homes by 2011 survives a challenge by the National Association of Home Builders. Read more >

	Default Mortgage? Professor Says Get Out A University of Arizona law professor suggests that more home owners should walk away from their underwater mortgages. Read more >

	Google Maps Expands Real Estate Info The broadened function allows real estate practitioners to list homes that are searchable by Google Maps users. Read more >

	Treasury Secretary Confident in Recovery U.S. Treasury Secretary Timothy Geithner downplayed commercial real estate's impact on the economy during his speech at the Economic Club of Chicago. Read more >

	Pinching Pennies on Construction Giving up some construction details can have a big impact. Here are a few ways to save money (and the drawbacks) on building a new home. Read more >



	How I Sold It: An International Dilemma

	Carole Bowen: Branding Counts

	How to Be Instantly Creative for Greater Profits

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The Washington Report - November 2, 2009

2009-11-02T07:45:00.001-08:00

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	Previous Issues

In This Issue:

REALTOR® Insider: D.C. News and Events

Congress Votes to Extend FHA and GSE Loan Limits through 2010

Business Report

NAR Letter Expresses Concerns with Senate Data Security Legislation

House Leadership Releases Text of Health Reform Bill to be Considered on the House Floor

Federal Tax Report

Extending the Credit — Almost There

REALTOR® Insider: D.C. News and Events

Congress Votes to Extend FHA and GSE Loan Limits through 2010

Last week, the House and Senate passed legislation to extend the current loan limits for FHA and Freddie Mac and Fannie Mae (the government sponsored enterprises, or GSEs) through December 31, 2010. These loan limits, set at 125% of local area median home price and capped at $729,750, would have expired on December 31, 2009 in which case loan limits would have been reduced in many markets. The extension is included in the Continuing Resolution (CR) to fund the government for the remainder of 2009. The CR is part of the Department of Interior FY2010 Appropriations bill. As of the deadline for filing this report, the President was expected to sign the bill into law over the weekend.

Contacts: Megan Booth, 202-383-1222

Contacts: Tony Hutchinson, 202-383-1120

Contacts: Jeff Lischer, 202-383-1117

Business Report

NAR Letter Expresses Concerns with Senate Data Security Legislation

On October 28, NAR President, Charles McMillan sent a letter to the Senate Judiciary Committee expressing concerns with two data security bills. REALTORS® recognize that creating and maintaining sound data security practices is important to their business. NAR has long been supportive of efforts to protect consumers' sensitive personal information. The REALTOR® Code of Ethics and Standards of Practice explicitly acknowledge a REALTORS®' obligation to preserve the confidentiality of personal information provided by clients in the course of any agency or non-agency relationship - both during and after the termination of these business relationships. REALTORS® support for data protection measures is also bolstered by their day-do-day business activities where they see first -hand the damage that identity theft can do to a family's efforts to rent an apartment or buy a home. However, NAR believes efforts to further protect personal information must be carefully tailored to balance data security requirements with the needs of small enterprises to conduct their businesses without the imposition of a significant compliance burden.

NAR's Letter to the Senate Judiciary Committee >
Visit our Page on Privacy and Data Security >

Contacts: Melanie Wyne, 202-383-1234

Contacts: Ken Wingert, 202-383-1196

House Leadership Releases Text of Health Reform Bill to be Considered on the House Floor

On Thursday, October 30, 2009, House leadership released the text of HR 3962, the Affordable Health Care for America Act. The bill is a compromise health reform bill that incorporates the various changes made to the original House reform measure (HR 3200) by the three committees with jurisdiction over health-related issues.

Importantly for the self-employed, independent contractor worker, the compromise measure retains the original bill's reforms which (1) create larger insurance pools by merging the individual and small group markets into one markeplace, (2) provide self-employed individuals with the same advantages that are commonly associated with a group policy, i.e. guaranteed issue and renewal, no preexisting condition exclusions, as well as no rating based on health status or gender, and (3) provide individual tax credits for the purchase of health coverage.

Among the changes of particular interest to the small employer community, the revised bill includes a much broader exclusion for small businesses than had first been proposed from the bill's new requirement that employers provide health insurance benefits to their workforce. As a result, an estimated 86 percent of all small employers would not be required or penalized for being unable to provide health insurance coverage to its salaried employees. For those small employers who either want or are required to provide coverage, a small business tax credit is provided to eligible firms.

The Congressional Budget Office (CBO) estimates that the bill as drafted would cover an additional 36 million legal residents who are currently uninsured. This would raise the percentage of the legal residents with insurance from the current level of 83 percent to 96 percent. In addition, more than 21 million individuals, small employers and employees of small firms would obtain coverage through the newly created exchange marketplace in the early years. By 2019, more than 30 million individuals are estimated by the CBO to obtain coverage through the exchange.

The bill will be considered on the House floor beginning the week of November 3, 2009. A copy of the bill is available on the House Rules Committee website. For more information on the health reform debate and NAR's advocacy efforts, please go to www.realtor.org/h ealthreform.

Text of the Affordable Health Care for America Act >
www.realtor.org/healthreform >

Contacts: Marcia Salkin, 202-383-1092

Contacts: Ken Wingert, 202-383-1196

Contacts: Scott Rinn, 202-383-7508

Federal Tax Report

Extending the Credit — Almost There

The extension and expansion of the homebuyer tax credit is the pending business in the Senate. After a long week of negotiation on the credit, an agreement on the scope of both expansion and extension has been reached. The extension is part of a larger bill that has not yet gone to a vote, however. A Senate vote on the underlying bill will occur in the Senate during the week of November 1. The package will then go back to the House. The House is expected to accept the Senate amendments, vote on the package and send it to the President for signature. The underlying bill is an extension of unemployment benefits. Other provisions in the bill include expansion of the net operating loss carryback rules, new requirements for some tax return preparers and noncontroversial provisions that "pay for" these changes.

The agreement on the extension and expansion of the credit is as follows:

Credit available for purchases before May 1, 2010. Prospective purchasers with binding contracts in place as of April 30, 2010 will be allowed an additional 60 days to complete the transaction.
Credit remains at $8000 for first-time purchasers. No change to definition of first-time purchaser.
New $6500 tax credit for repeat buyers who purchase between December 1, 2009 and May 1, 2010. Repeat buyers must have lived in their homes consecutively for 5 of the previous 8 years.
Income limits are expanded to $125,000 on a single return and $225,000 on a joint return. Current law $20,000 phase-out retained.
New anti-fraud limitations are imposed.

The White House has indicated that President Obama will sign the legislation.

Call Your Senator >
Take Action >
Visit www.realtor.org/2009housingtaxcredit >

Contacts: Linda Goold, 202-383-1083

Contacts: Samuel Whitfield, 202-383-1131

Contacts: Megan Booth, 202-383-1222

_Monday, November 2, 2009

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Crockers Market Research

2009-11-01T12:44:00.001-08:00

Crockers Market Research

Hi TelanganaDeccan,

Welcome to the 52nd issue of Crockers Market Research.

In November 2009 we reveal:

Rodney - an oldie but a goodie
Bouncing into Spring: Auckland sales recover
Reality doesn't bite: optimism flies in the face of numbers

Click here to download your issue; or visit www.crockers.co.nz for past research.

If you have friends, colleagues, or clients who might also like to receive this copy of Crockers Market Research, you are most welcome to forward on this email or print out a copy to keep on hand.

Received this email from a friend or colleague?
Subscribe now to receive your own monthly update from Crockers Market Research.

We look forward to receiving your feedback.
If you are interested in another angle or further data and information, please contact research@crocker.co.nz

Yours faithfully

Rob Macdonald
Director
Crockers Property Group.

You are receiving this email because you are a client of Crockers Property Group.
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2009-11-01T02:38:00.000-08:00

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I am yet to hear from you...

2009-10-31T19:24:00.000-07:00

Dear Reader:

In only a few hours from now we will stop accepting subscriptions for our long-term portfolio recommendation service. I hope you have had the time to consider signing up for this service. If not, then I recommend you do so now. You should not let this money multiplying opportunity pass you by...

- Rahul

Dear Reader,

The opportunity to sign up for our long-term portfolio recommendation service will disappear forever at 12 Noon on Monday, 2nd of November.

You should not miss out on it. Especially if you are looking for a safe way to multiply your money 4 - 6 times in the next 5 to 10 years...

Remember that the price at which you can subscribe to The Value Investor now is the lowest that we will offer... ever!

Also, once we stop taking in members for The Value Investor, it may be MANY MONTHS before we even think of re-opening the service to new members. If and when we do take in more members, it will most definitely be at a much higher subscription price.

So, don't miss this opportunity to multiply your money, safely!

Read on below...

Rahul Goel,
CEO,
Equitymaster.com

Stop wasting so much time and energy trying to find 'that' perfect stock. Instead discover...

How to Make Money
The Buffett Way
OK, You Might Not Amass 37 Billion Dollars...
But Then You Will Never Ever Have To Worry About Money.

Dear Friend,

Life doesn't seem fair.

For some people, a stock market crash - as we saw for the most of 2008 and early 2009 - means taking just a small hit on the standard of living. At most, it means less of eating out, traveling to less expensive foreign locations, and buying less expensive clothes and accessories at luxury stores.

But then for some, it means working extra years to make up for the lost funds that were set apart for child's education or self-retirement. It could even mean working on a second job to earn back the money lost in a stock market crash.

You know some people have so much money that they do not have to worry about it. They are free to choose how they spend their entire lifetime, even if their investments crash.

Maybe you are one of them, too.

But if you're not quite there yet, mark our words - we are about to show you a way to 'safely' create tremendous wealth over the next few years so that you will never ever have to worry about money.

In fact, over the next few minutes, we are going to unravel in front of you a simple, yet foolproof investment strategy that has made millionaires out of several small investors.

We will also tell you about the man - Warren Buffett - who has propounded and practiced this very strategy...

...to multiply his wealth a whopping 3,400 times over a 44-year period!

In short, we will explain to you an investment strategy that would have turned an investment of Rs 10,000 invested in 1964 to a whopping Rs 3.4 crore at the end of 2008.

Or for that matter...

Rs 20,000 into Rs 6.8 crore, or...
Rs 50,000 into Rs 17 crore, or then...
Rs 700,000 into Rs 238 crore!

If you are wondering what this money could have bought you, read this...

Rs 6.8 crore could've bought a fleet of 11 Mercedes S-class for you to have started a luxury car rental business
Rs 17 crore could've bought you a plush 5-bedroom apartment in South Mumbai!
And then...Rs 238 crore could've bought you a private luxury jet today!

While we explain to you this investment strategy that has multiplied money 3,400 times over a 44-year period, you will also understand how you can practice it to generate tremendous returns on stocks over the next few years.

Let us introduce...

The Most Simple Way To Invest And Become Wealthy
. . .Just Like Warren Buffett, The Greatest Investor Of All Time
Let's face it. There are literally thousands of people out there around the world and in India trying to invest just like Warren Buffett. But only a few are actually getting Buffett-like results.

See, it's no wonder why so many people want to emulate Buffett by investing like him. After all, this legendary investor is, without doubt, the greatest stock market investor of all-time and has consistently generated stupendous returns for a very long period of time...

...like multiplying his investment in stocks such as -

Washington Post - 81 times in 36 years, or...
Coca-Cola - 15 times in 21 years, or for that matter...
Gillette - 9 times in 14 years

Yes, these returns are real! In fact, we will soon show you how Buffett has achieved this.

But before that, let us reveal to you...

The Safest And Simplest Step-By-Step Process
To Invest Like Warren Buffett
As we proceed, here's a question for you.

Assume that a stock that you bought a week back when you thought it to be a safe and sure bet, falls by 20% on a single day.

Suppose that the stock we are talking about here is Infosys, India's second largest and most respected IT services company.

If you were holding Infosys on 10th April 2003, were you disturbed seeing the company's stock price crash 37% over a matter of the next two days?

Data Source: Trend
Assume for once that you knew that this company i.e., Infosys sold something that was going to revolutionise how companies operate globally. You also knew that it was managed by competent and visionary people, and had a consistent track record of growth - that is, until it missed brokers' quarterly earnings estimates by a few rupees in April 2003 and got pounded down by 27% in a single day, and 37% over two.

What did you do?

You might've sold this stock and cursed yourself for buying it in the first place.

Or then, you might've sat tight and done nothing until you recovered your loss...and then sold.

Nevertheless, if your answer is that you studied and reconfirmed your assessment of Infosys...then bought more of the stock as it crashed, you must be happy to know that you have grown your money nearly 7 times over the succeeding 6 years.

Buffett says, "Take advantage of the market's temporary insanity to load up on quality stocks at bargain prices." And if you held on to Infosys as it crashed, you would have done just that - taken advantage of the market's temporary insanity to load up on a quality stock at a bargain price.

See, it is this very strategy that has not only helped Buffett become the second-richest man in America with a net worth of US$ 37 billion, but has also made him the most watched - and copied - investor across the world.

Now, if you wish to invest the way Buffett did to create his huge wealth...

You Can Accept Our Invitation To Be Part Of
'The Value Investor'
. . . And Build A Stock Portfolio That Will Multiply Your Wealth
Several Times Over The Next 5 to 10 Years!
'The Value Investor' is a new offering from Equitymaster.
Reduced to its essence, our mission through this service will be to identify 12-15 stocks over the next 2 years by following Warren Buffett's time-tested investing principles.

Through 'The Value Investor', we will help you identify companies, which will see their stock prices multiply 4 to 6 times over the next 5 to 10 years.

As Buffett has done, 'The Value Investor' will help you achieve such returns by identifying businesses...

With strong fundamentals: Simple and understandable businesses, having consistent operating history and favourable long-term prospects.
With strong management teams at the helm: Rational, candid with shareholders, resisting the compulsion to act just to prove a point.
With stable financial history: Stability in high profit margins and return on equity, sustained growth in earnings, less capital requirements on an incremental basis, low or nil debt on the books.
Selling at attractive valuations: Keeping a strong margin of safety, available at a significant discount to their intrinsic values.

These are some of the critical parameters that Buffett gives weight to while identifying his stocks...and our process through 'The Value Investor' is not going to be any different.

Simply put, we will be identifying companies that are doing simple businesses that can be easily understood, have consistent earnings history and sustainable growth path, are managed by honest and competent people, and whose stocks are available at attractive prices with an adequate margin of safety.

After all, Buffett has made his entire fortune - US$ 37 bn at last count - following these very principles of investing.

And he's achieved tremendous success with not one, not two, but several stocks that have multiplied several times over a number of years.

Like his investment in Coca-Cola, where every 100 dollars he invested in 1988 now stands at nearly 1,500 dollars...or simply put, an investment that has multiplied 15 times in around 21 years! See this...

Data Source: Yahoo Finance
Among other reasons, the key factor that prompted Buffett to buy Coca-Cola (as he later clarified) was that he believed in the simplicity and sustainability of its business.

See, it's not so easy identifying simple and sustainable businesses like Coca-Cola, but then this is what we will be striving to do for you through 'The Value Investor'. After all, we have done this in the past as we'll soon show you.

But before that...

You know, the 15 times return on Coca-Cola is just among the lesser returns that Buffett has made over the years. Washington Post, the newspaper company that he started acquiring in 1973, has till date multiplied his money a whopping 81 times! And this is keeping out the significant dividends that the company has paid out over these years.

Data Source: Yahoo Finance
As per the reasoning he later offered, Buffett bought Washington Post simply because the company, apart from doing good business, was selling at a much lower price than its true business value.

'The Value Investor' will emulate Buffett's mantra of buying stocks when they are selling cheap as compared to their true worth.

Another of Buffett's investments that turned extremely successful was 'Gillette', the shaving products major. Buffett's simple reasoning to buy Gillette can be summed up in his own words - "I go to sleep in peace every night realising that every morning when I wake up, millions of men will wake up with me and shave."

Not to mention that Buffett multiplied his investment in Gillette almost 9 times in 14 years.

So How Can Buffett's Teachings Help You Build A Portfolio
That Can Multiply Your Wealth Several Times
Over The Next Five To Ten Years?
See, these examples of Coca-Cola, Washington Post, and Gillette validate the basic tenet of Buffett's strategy - invest in companies you believe will provide long-term investment value, rather than investing in fads or 'hot' themes that may be profitable in the short run, but are likely to run out of steam in the long run.

In a very similar way, the core of 'The Value Investor' will be to identify a portfolio of a few 'such' stocks for you that will multiply your money several times over the next ten years.

Let us make it even clearer....

To help you make your investment decision, wouldn't you want to see it through the eyes of Buffett?

"Success in investing doesn't correlate with I.Q. once you're above the level of 25. Once you have ordinary intelligence, what you need is the temperament to control the urges that get other people into trouble in investing." - Warren Buffett

"There seems to be some perverse human characteristic that likes to make easy things difficult." - Warren Buffett

Now, you obviously can't call him up to get his advice. But you can be a part of the 'The Value Investor'.

No second-guessing, no listening to vague advice, and no more worrying about whether you're making the right decision.

In short, 'The Value Investor' will be the 'next best thing' to asking Buffett himself if you are making a good investment decision.

Yes, it will be really that simple!

Also, with 'The Value Investor' on your side, YOU WILL NEVER HAVE TO...

Wonder 'which' is the right stock to buy for the long term and 'when' the right time to buy it is - We will do it for you.
Dissect financial statements of endless number of companies - We will do it for you.
Read endless annual reports - We will do it for you.
Listen to the contradicting stock gurus on TV - With Buffett on your side, you can switch off these other 'gurus'.
Sweat over the slightest price moves your stock undergoes - Now that will come with your practice of this process.

'The Value Investor' will take all the guesswork out of investing.

But how could this be? How could something so simple produce such phenomenal results?

See, we fully agree to what you must be thinking right now.

Believing and following any principle, even if it is proven and simple, calls for absolute faith in it. And we do not expect you to believe us without getting fully convinced about our claims.

In fact, you must be itching to ask us many questions.

Like...

Your Question # 1. "How will you identify those above-average stocks?"
Answer: Simply put, if the company is doing well and is managed by smart, honest and visionary people, eventually its stock price will reflect its inherent value. As you will come to know over the next few months, we will devote most of our attention not in tracking share prices, but in analyzing the economics of businesses, while also assessing their managements.

See, our answer is not plucked out of thin air. In fact, in the past, we have identified above average stocks for our subscribers ...and that is what brings us the greatest happiness.

By advising the 'right' kind of stocks, following the 'right' kind of investment principles, we have seen our subscribers multiply their money several times over the past few years.

Take for example Titan, which we had recommended in July 2003. We asked ourselves - what could be a simpler business than selling watches and jewellery? And we had a difficult time answering this question. Apart from its simple business, we also believed that Titan had all the qualities to become a wonderful business over the long run. The stock was also trading cheap then, with its price being just around 0.4 times its sales per share.

Our conviction paid off...and till date, Titan has multiplied almost 19 times since that recommendation.

Data Source: Trend
Now consider Voltas, a stock that we first recommended in June 2003. The stock was then trading at just around 0.3 times the company's annual sales per share despite the company having all the ingredients of becoming a robust growth story in the future.

After restructuring its business, Voltas has not looked back and those who acted on our recommendation then have multiplied their money almost 20 times till-date.

Data Source: Trend
Then look at the automaker M&M, which we had first recommended in April 2003. Now this was a company under trouble when we had recommended it. But our belief in it was based on the turnaround of the company's tractor business that had seen sales decline for the five years preceding our recommendation. We also expected tremendous value creation from the company, especially from its IT subsidiary - Mahindra-British Telecom (MBT, which later became Tech Mahindra).

Investors who acted on this recommendation then have multiplied their money around 16 times till-date.

Data Source: Trend
See, these companies - Voltas, Titan, and M&M - were all simple businesses when we had identified them six years back. And these stocks were then trading at very attractive valuations compared to what we had thought were their true business values.

Over the years, these stocks have generated huge returns for investors who bought them then, and have had the patience to hold on to them over the years.

There are similar other examples that we can talk about...like Tata Power, which has multiplied around 12 times since our recommendation of January 2003...

Data Source: Trend
...or for that matter, Thermax, which has also risen around 13 times since our May 2003 report...

Data Source: Trend

Your Question # 2. "How many stocks in total will you identify for me?"
Answer: We will apply Buffett's investing principles to focus our attention on just a few companies. And how many will be a few?

Even the world's best investors have discovered that, on an average, just fifteen stocks give your portfolio enough diversification. For you, a legitimate case can be made for ten to twenty.

...given that we will be searching for the right kind of opportunity available at the right price, there might be times when we would have nothing to recommend.

But similarly, there will be times when given the market's mood, as we saw for the whole of 2008, we will find several opportunities to recommend to you. We will then recommend stocks in a bunch.

But then, the important thing to note here is that given that we will be searching for the right kind of opportunity available at the right price, there might be times when we would have nothing to recommend.

Similarly, there will be times when given the market's mood, as we saw for the whole of 2008, we will find several opportunities to recommend to you. We will then recommend stocks in a bunch.

Within the next two years however, you can expect to receive from us 12-15 recommendations that will complete your 'Value Investor' portfolio.

Your Question # 3. "How much allocation do I make towards each of your recommendations?"
Answer: It will be advisable that each investment you make you should have the courage and the conviction to have at least 6% to 10% of your portfolio in that stock.

Only such a concentration will enable these stocks to have a really meaningful impact on your portfolio.

Your Question # 4. "How long must I hold those stocks?"
Answer: There will be no hard and fast rule. While selling a stock from the portfolio for taking advantage of a better opportunity is advisable, as a general rule of thumb, the idea will be to hold the stocks for somewhere between five to ten years.

Now For Your Biggest Question...
"Why Should I Do This?"
Okay, let us put it the other way - what could be the opportunity loss for you for not practicing 'The Value Investor' strategy and otherwise following the herd?

See this chart...

Data Source: Berkshire Hathaway's 2008 annual report
The above chart depicts the increase in book value per share of Buffett's company Berkshire Hathaway vis-à-vis the performance of S&P 500 during the period 1964 to 2008.

While the S&P 500 multiplied by around 42 times during this period, Berkshire's book value multiplied 3,400 times!

Simply put, it's a difference between turning every Rs 100 to:

Rs 4,258 (S&P 500), or...
Rs 340,163 (Berkshire).

See, by talking about these kinds of comparisons, we do not wish to lead you to believe that these returns can be achieved by you by following Buffett's investing style.

In fact, in this modern age, it simply isn't possible to beat the market as Buffett has done so successfully over his life.

So we do not want to promise you the moon (...this one's really invincible!)

However, what we will promise you is that by being part of 'The Value Investor', you will generate tremendous wealth for yourself over the next few years...

...by becoming an integral part of the process that aims to emulate Buffett's investing principles and take advantage of the wealth-generating opportunities that are available here in India.

Now, You Might Ask. . .
"How Capable Is Equitymaster To Do
What Buffett Has Done?"
You know, many investors in the US have become wealthier by...

One, buying what Buffett buys, and/or
Two, investing in the stock of Buffett's holding company Berkshire Hathaway.

Not only retail investors, there are several fund managers in the US who do exactly this.

But then copying Buffett's investments in India isn't possible for the fact that Buffett hasn't bought any Indian stock (simply because markets here aren't deep enough to stomach the size of stock purchases he can make in the US).

Second, you cannot really buy a Berkshire stock sitting here in India to benefit directly from Buffett's investing philosophy.

So how do we plan to help you earn Buffett-like returns sitting here in India advising Indian stocks? And do we have the pedigree to do that?

We appreciate your questions.

To say the least, our philosophy all these years has been to recommend stocks that pass the strict evaluation tests as practiced by the best investors in the world - from Benjamin Graham, Peter Lynch, and John Templeton, to of course Warren Buffett.

And we have done this with immense success for our subscribers...and that is what brings us the greatest happiness.

By advising the 'right' kind of stocks, following the 'right' kind of investment principles, we have seen our subscribers multiply their money -

20 times in Voltas over a period of 6 years;
19 times in Titan Industries over a period of 6 years;
16 times in M&M over a period of 6.2 years;
13 times in Thermax over a period of 6.2 years;
12 times in Tata Power over a period of around 6.7 years.

See, we will be fooling ourselves if we tell you that we have been 100% right in all our recommendations all these years...we have had our share of mistakes...

...but most of the times our subscribers have benefited enormously from our recommendations...all those who have believed in our long term philosophy of viewing companies and recommending stocks of only the worthy ones.

In fact, over 80% of all our buy and hold recommendations since 2003 have met their targets within the recommended time periods.

And all these years of precious experience is now what we bring to you by focusing on the learnings of Warren Buffett, one of the great investing gurus we have talked about and have followed intensely.

We are so confident of these principles that we'd also invest some of our own money in the stocks we recommend to you through 'The Value Investor'.

Yes, you read that right. We will be investing Rs 100,000 in every stock that we recommend to you through 'The Value Investor'. And just so that you have an advantage, we will be buying the stock 10 trading sessions after we recommend it.

In short, we'll be on the same side as you.

'The Value Investor' is your (and also our) chance to practice sound investing principles and generate tremendous returns over the next few years...just like Buffett has done.

' The Value Investor' Is Everything You Need
To Immediately Start Investing Like Buffett!
You won't believe how simple the process we follow in the 'The Value Investor' will be until you try it.

Not only will this service help you step-by-step in building a portfolio of 12-15 stocks that pass the strictest of Buffett's investing principles, you will also discover through our monthly newsletters...

√	How to identify the right kind of businesses to invest in. Apart from telling you specifically which stocks to buy, we will also reveal to you the key success mantras of a business even if we do not recommend that stock because of reasons like valuations.
√	How to know the right price you should pay for a business. We will ensure that you never again pay too much for a stock. This benefit alone is worth thousands and thousands of rupees. If you take nothing else away from 'The Value Investor', please make sure you learn how to follow this crucial valuation method.
√	How to keep you protected from the most severe of bear markets and economic slowdowns. You will discover Buffett's secrets of making your portfolio recession-proof.
√	When to sell your investment. The decision to sell a stock shouldn't be based on vague opinions, but real hard facts. 'The Value Investor' will tell you precisely when a stock should be sold.

As we have mentioned above, you will find all these investing gems through our monthly letters, which will also talk about -

√	Exciting investment ideas we will be pursuing.
√	Excerpts of our interaction with companies' managements, suppliers, competitors, and customers.

We will also be there to solicit any questions you might have on our choice of stocks and the rationale we give for such a choice.

"It's bad to go to bed at night thinking about the price of a stock. We think about the value and company results; the stock market is there to serve you, not instruct you." - Warren Buffett

And of course, with 'The Value Investor' on your side, you will get plenty of peaceful sleep because you will not be worrying about emotions like greed and fear getting in your way anymore.

After all, you will be following hard, time-tested rules of successful, profitable investing.

See, 'The Value Investor' isn't another 976-page Buffett biography (as 'Snowball' was) or an academic examination of his investments. This is a systematic process to actually invest like Warren Buffett.

Let Us Welcome You To Participate In This Journey. . .
Of Learning, Disciplined Investing And Ultimate Wealth Creation
When you subscribe to 'The Value Investor', you will not be simply buying a service...you will participate in a journey of learning the art of value investing, disciplining yourself to be different from the herd...and creating tremendous wealth for yourself and your family.

And we must tell you one very important fact...

...at the end of the subscription period, you will own a lifelong treasure...in the form of the reports we send you, the discussions we have, and the portfolio of stocks we recommend to you.

We promise you that we will be candid in our reporting to you through our monthly reports. As Buffett would have promised, our guideline is to tell you the facts that we would want to know if our positions were reversed.

' The Value Investor' - The Single Best Investment Strategy
For All Market Conditions
We're totally convinced that this is the single best investment strategy for all market conditions. And our results are there for you to see.

Finally, be aware that you have our special guarantee of satisfaction. 'The Value Investor', unlike other investment advisory services, will provide you with specific and actionable advice on stocks.

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When you sign on to 'The Value Investor', you will also receive FREE...

1.  Security Analysis - Sixth Edition

Also known as the Bible of value investing, Security Analysis by Benjamin Graham and David Dodd has now completed 75 years since its first publication way back in 1934.

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"There are four books in my overflowing library that I particularly treasure, each of them written more than 50 years ago. All, though, would still be of enormous value to me if I were to read them today for the first time; their wisdom endures though their pages fade. Two of those books are first editions of The Wealth of Nations (1776), by Adam Smith, and The Intelligent Investor (1949), by Benjamin Graham. A third is an original copy of the book you hold in your hands, Graham and Dodd's Security Analysis...Together, the book and the men changed my life."

This book, which includes a CD version of the Second edition of Security Analysis, usually costs Rs 795/-. (Your copy will reach you within 7 days of your signing up for The Value Investor)

But if you subscribe to 'The Value Investor' before October 31st 2009, you can grab the 'Security Analysis' absolutely FREE.

Wait, here's more!

2.  Special Report - 3 Sectors For Long Term Investors

As you subscribe to 'The Value Investor', you will also be eligible to receive our free research report - "3 Sectors For Long Term Investors". This is a macro report that we have prepared exclusively for you, and will discuss the three sectors that are likely to provide some wonderful investment opportunities for the next 10 years.

This report will be a valuable resource for you in your search for some brilliant investment themes.

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3.  Equitymaster Stockmarket Yearbook 2010 (CD Version)

When you subscribe to 'The Value Investor', you will also receive the Equitymaster Stockmarket Yearbook 2010 FREE!

If you are looking out for investment opportunities and do not know where to start the search, or if you have an interest in tracking the progress of leading Indian companies, or if you are looking for a gift for someone who you wish to initiate into the world of smart investing, the Equitymaster Stockmarket Yearbook 2010 can be a wonderful gift we can offer you.

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4.  Equitymaster Portfolio Tracker

During your subscription period, while 'The Value Investor' will help you identify Buffett-style stocks, you can also use our Portfolio Tracker for free to manage the portfolio so created.

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In summary, when you subscribe to ' The Value
Investor', you will receive. . .

A monthly report on the first Monday of every month, starting November, 2009

Security Analysis (Sixth Edition)

Security Analysis - CD Version (Second Edition)

Equitymaster Stock Market Yearbook

Exclusive Report - 3 Sectors For Long Term Investors

Online Portfolio Tracker

So, what are you waiting for?

Sign Up for 'The Value Investor' Today!

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You Pay: Rs 9,000 (Save Rs 1,000!)
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2-Yr Subscription :Rs 20,000*
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*Prices Inclusive of Service Tax
' The Value Investor' will be an offering
that will keep on evolving
Even after a quarter of a century, our research process at Equitymaster is evolving as we look at new opportunities on a daily basis. We will endeavour to ensure that the portfolio we advise you through 'The Value Investor' remains appropriate for your changing needs and financial aspirations.

We don't mind telling you that our advice is second to none. So we're offering you a clear no questions asked money back (minus a 10% refund fee) guarantee till 30th November 2009 in case you are not satisfied with what you receive.

We hope we have opened your eyes to this brilliant investment strategy that exists for you. We are looking forward to our future correspondence and to establishing a long-lasting and very profitable relationship.
To your wealth,

Rahul Goel
Chief Executive Officer
Equitymaster.com

P.S.: We offer the easiest money-back guarantee in the business. Till 30th November 2009, take your time and decide if 'The Value Investor' is right for you. If not, just ask us any day before this date i.e., 30th November 2009 and we will send you the refund (minus a 10% refund fee). And while you do so, you can still keep the books and the report as a thank-you gift just for trying out The Value Investor.

P.P.S.: This offer closes on October 31st, 2009.

P.P.P.S.: For any queries, contact - 1800-209-3786 (Toll Free) or 092232-63403 / 092233-20146 or Write in to us.


Please Note: Delivery for the Stock Market Yearbook & Security Analysis will be made to an Indian address only. If you reside abroad, you could opt to receive the PDF version of the Yearbook. Please read the Terms of Use. To Unsubscribe, click here. Equitymaster Agora Research Pvt Ltd 15, Khetan Bhavan, 3rd Floor, 198 J Tata Road, Churchgate, Mumbai - 20.

Safe Multibaggers (Last Chance)

2009-10-30T15:53:00.000-07:00

Dear Reader,

The opportunity to sign up for our long-term portfolio recommendation service will disappear forever at 12 Noon on Monday, 2nd of November.

You should not miss out on it. Especially if you are looking for a safe way to multiply your money 4 - 6 times in the next 5 to 10 years...

Remember that the price at which you can subscribe to The Value Investor now is the lowest that we will offer...ever!

Also, once we stop taking in members for The Value Investor, it may be MANY MONTHS before we even think of re-opening the service to new members. If and when we do take in more members, it will most definitely be at a much higher subscription price.

So, don't miss this opportunity to multiply your money, safely!

Read on below...

Regards,

Rahul Goel,
CEO,
Equitymaster.com

Stop wasting so much time and energy trying to find 'that' perfect stock. Instead discover...

How to Make Money
The Buffett Way
OK, You Might Not Amass 37 Billion Dollars...
But Then You Will Never Ever Have To Worry About Money.

Dear Friend,

Life doesn't seem fair.

For some people, a stock market crash - as we saw for the most of 2008 and early 2009 - means taking just a small hit on the standard of living. At most, it means less of eating out, traveling to less expensive foreign locations, and buying less expensive clothes and accessories at luxury stores.

But then for some, it means working extra years to make up for the lost funds that were set apart for child's education or self-retirement. It could even mean working on a second job to earn back the money lost in a stock market crash.

You know some people have so much money that they do not have to worry about it. They are free to choose how they spend their entire lifetime, even if their investments crash.

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...to multiply his wealth a whopping 3,400 times over a 44-year period!

In short, we will explain to you an investment strategy that would have turned an investment of Rs 10,000 invested in 1964 to a whopping Rs 3.4 crore at the end of 2008.

Or for that matter...

Rs 20,000 into Rs 6.8 crore, or...
Rs 50,000 into Rs 17 crore, or then...
Rs 700,000 into Rs 238 crore!

If you are wondering what this money could have bought you, read this...

Rs 6.8 crore could've bought a fleet of 11 Mercedes S-class for you to have started a luxury car rental business
Rs 17 crore could've bought you a plush 5-bedroom apartment in South Mumbai!
And then...Rs 238 crore could've bought you a private luxury jet today!

Washington Post - 81 times in 36 years, or...
Coca-Cola - 15 times in 21 years, or for that matter...
Gillette - 9 times in 14 years

With strong fundamentals: Simple and understandable businesses, having consistent operating history and favourable long-term prospects.
With strong management teams at the helm: Rational, candid with shareholders, resisting the compulsion to act just to prove a point.
With stable financial history: Stability in high profit margins and return on equity, sustained growth in earnings, less capital requirements on an incremental basis, low or nil debt on the books.
Selling at attractive valuations: Keeping a strong margin of safety, available at a significant discount to their intrinsic values.

Wonder 'which' is the right stock to buy for the long term and 'when' the right time to buy it is - We will do it for you.
Dissect financial statements of endless number of companies - We will do it for you.
Read endless annual reports - We will do it for you.
Listen to the contradicting stock gurus on TV - With Buffett on your side, you can switch off these other 'gurus'.
Sweat over the slightest price moves your stock undergoes - Now that will come with your practice of this process.

Data Source: Trend
...or for that matter, Thermax, which has also risen around 13 times since our May 2003 report...

Rs 4,258 (S&P 500), or...
Rs 340,163 (Berkshire).

One, buying what Buffett buys, and/or
Two, investing in the stock of Buffett's holding company Berkshire Hathaway.

20 times in Voltas over a period of 6 years;
19 times in Titan Industries over a period of 6 years;
16 times in M&M over a period of 6.2 years;
13 times in Thermax over a period of 6.2 years;
12 times in Tata Power over a period of around 6.7 years.

√	How to identify the right kind of businesses to invest in. Apart from telling you specifically which stocks to buy, we will also reveal to you the key success mantras of a business even if we do not recommend that stock because of reasons like valuations.
√	How to know the right price you should pay for a business. We will ensure that you never again pay too much for a stock. This benefit alone is worth thousands and thousands of rupees. If you take nothing else away from 'The Value Investor', please make sure you learn how to follow this crucial valuation method.
√	How to keep you protected from the most severe of bear markets and economic slowdowns. You will discover Buffett's secrets of making your portfolio recession-proof.
√	When to sell your investment. The decision to sell a stock shouldn't be based on vague opinions, but real hard facts. 'The Value Investor' will tell you precisely when a stock should be sold.

As we have mentioned above, you will find all these investing gems through our monthly letters, which will also talk about -

√	Exciting investment ideas we will be pursuing.
√	Excerpts of our interaction with companies' managements, suppliers, competitors, and customers.

We will also be there to solicit any questions you might have on our choice of stocks and the rationale we give for such a choice.

"It's bad to go to bed at night thinking about the price of a stock. We think about the value and company results; the stock market is there to serve you, not instruct you." - Warren Buffett

A monthly report on the first Monday of every month, starting November, 2009

Security Analysis (Sixth Edition)

Security Analysis - CD Version (Second Edition)

Equitymaster Stock Market Yearbook

Exclusive Report - 3 Sectors For Long Term Investors

Online Portfolio Tracker

So, what are you waiting for?

Sign Up for 'The Value Investor' Today!

1-Yr Subscription :Rs 10,000*
You Pay: Rs 9,000 (Save Rs 1,000!)
Click here!

2-Yr Subscription :Rs 20,000*
You Pay: Rs 12,000 (Save Rs 8,000!)
Click here! [Best Offer!]


Please Note: Delivery for the Stock Market Yearbook & Security Analysis will be made to an Indian address only. If you reside abroad, you could opt to receive the PDF version of the Yearbook. Please read the Terms of Use. To Unsubscribe, click here. Equitymaster Agora Research Pvt Ltd 15, Khetan Bhavan, 3rd Floor, 198 J Tata Road, Churchgate, Mumbai - 20.

Housing Opportunity Notes

2009-10-30T11:34:00.001-07:00

NOVEMBER 2009


HOP News & Updates	Legislative & Regulatory News	Housing & Economic Indicators	Housing Opportunity in the News

	HOP News & Updates
	Housing Opportunity Program Events at the 2009 REALTORS Conference Expanding Housing Opportunities Class, November 11 NAR's new housing opportunity course—Expanding Housing Opportunities—will be offered on Wednesday, November 11th from 9am – 3:30pm (breakfast and lunch included). The 6-hour class provides REALTORS® with information on affordable housing opportunities; affordability impacts; affordable financing options; and leveraging partnerships and resources to expand housing opportunities in their community. Sign up for the class on the Conference webpage under pre-conference courses. Walk-ins will also be accepted if space is available. Housing Opportunity Advisory Board, November 12 The Housing Opportunity Advisory Board will meet on Thursday, November 12, from 2:00 pm – 4:00 pm, at the Manchester Grand Hyatt, Manchester Ballroom C, Second Level. The meeting will focus primarily on the topic of workforce housing. Housing Opportunity Committee, November 13 The Housing Opportunity Committee will meet on Friday, November 13, from 10:30 am – 12:30 pm, at the San Diego Marriott, San Diego Ballroom A, North Tower, Lobby Level. The meeting will review the progress of the Ira Gribin Workforce Housing Grants program and feature presentations from three associations that have received grants. Housing Opportunity Forum, November 15 The Housing Opportunity Forum will be held Sunday, November 15, from 9:00 am–11:00 am., at the San Diego Convention Center, room 6C, Upper Level. The Housing Opportunity Forum will join with the Property Management Forum to discuss the impact of foreclosures on single-family and multi-family housing as it pertains to REALTORS®, property owners, tenants and property managers. Expanding Housing Opportunities Train the Trainer, November 15 The Instructor Training will train Instructors for the new Expanding Housing Opportunities course. Participation in the Instructor Training must be pre-approved and completion of the Expanding Housing Opportunities class is a prerequisite. The application period for this training is now closed. For information on future opportunities, contact Lora McCray at lmccray@realtors.org.
	2009 Regional Employer-Assisted Housing Forums & Home From Work Classes NAR is organizing two regional employer-assisted housing forums: one in Philadephia, PA on November 19, co-hosted by the Greater Philadelphia REALTORS® Association and one in Boise, ID on December 3 co-hosted by the Ada County Association of REALTORS®. In conjunction with the forums, NAR will also sponsor two Home From Work classes: 11/18 in Philadelphia and 12/4 in Boise. NAR is offering a $500 travel stipend to assist REALTORS® to attend the EAH Forums. Thirty (30) travel stipends are available for each Forum on a first-come, first-served based. If you would like to apply for a stipend to attend an EAH Forum, e-mail Lora McCray at lmccray@realtors.org with your request and stating which EAH Forum you would like to attend. Please include EAH Forum Stipend Request in the subject line of your message. Get more information and register for the forums and classes.
	Ira Gribin Workforce Housing Grants Update To date, $1.6 million has been awarded in Ira Gribin Workforce Housing Grant funds. Nearly $4 million is still available for State REALTOR® Associations and State Foundations to support their workforce housing programs. Your state could be next, but you must apply to receive the funds. Visit the Ira Gribin Workforce Housing Grants webpage for details on how to apply. Also attend the Housing Opportunity Committee Meeting on November 13 (see meeting details above) to hear first-hand from states that have already gone through the process.
	Expanding Housing Opportunities Class Update NAR is co-sponsoring an Expanding Housing Opportunities pilot class with the Chicago Association of REALTORS® in Chicago, IL on Wednesday, December 9. The class provides a comprehensive overview of affordable housing and the REALTORS®' role in that market. Get the details and registration information.
	Home From Work Class Update The Home From Work class is in the process of being updated. The new class will incorporate feedback from both students and instructors. The class will be extended to include more information on forming a team and meeting with the employer. It will include overviews of the tools and resources that have been created to assist with an action plan. The new class be rolled out in Janauary and the name of the class will be changed to the "Employer-Assisted Housing" class. If you took the Home Form Work class, you may still want to take the EAH class to refresh your memory and to revitalize your efforts to contact local employers.
	Legislative & Regulatory News
	Latest Update on Tax Credit Senate leaders of both parties and key Senate Finance Committee members and staff, and tax credit sponsors Dodd-Lieberman-Isakson agreed on October 28 to extend and expand the housing tax credit. However, there is no agreement on how to attach this tax credit to the pending Unemployment Insurance bill, or whether to offer the tax credit agreement on another bill, or whether to bring the agreement to the Senate floor and vote upon it as a separate, stand alone bill. And after Senate action, the tax credit must go to the House of Representatives for action. REALTORS® should keep responding to our Call For Action by calling and writing their members of Congress to support the tax credit extension. NAR will continue to update you as developments warrant.
	Focus on Extending Tax Credit Intensifies NAR's Call For Action to NAR members has achieved a higher response rate than any other previous Call for Action, underscoring the importance of the credit to REALTORS® and consumers alike. Several House members have introduced bills extending the credit in direct response to the communications from REALTORS®. Speaker of the House Nancy Pelosi (D-Calif.) and House Ways and Means Committee Chair Charles Rangel (D-N.Y.) have spoken out publicly about discussions underway to extend the home buyer tax credit. Senate Majority Leader Harry Reid (D-NV) continues to express his desire to move the extension at the first opportunity. Cost issues and whether extension should also include expansion are reportedly under discussion. The credit currently expires on November 30. Take Action to Extend and Expand the Homebuyer Tax Credit Watch the "NAR Urges Tax Credit Extension" video
	Recovery Requires Permanent FHA Loan Limits Making the current FHA loan limits permanent would ensure liquidity in the housing market and make mortgages more affordable for qualified buyers at a time when the market is showing signs of a fragile recovery, Boyd Campbell of Century 21 in Lanham, Md., testified to the U.S. House Subcommittee on Housing and Community Opportunity last week. FHA loan limits are $729,750 in high cost areas, but are set to expire at the end of the year and revert to lower amounts, greatly hindering the housing recovery process. Read the News Release.
	Rules Released on Military Home Owners Relief Military personnel who bought their primary home before July 1, 2006, and were ordered at least 50 miles away on permanent reassignment between February 1, 2006, and September 30, 2012, and sell at a loss are eligible for assistance under rules just released by the federal government. The assistance was authorized under the economic stimulus act passed earlier this year. Read the details. For more info contact Megan Booth, mbooth@realtors.org, 202/383-1222.
	Housing & Economic Indicators
	Pending Home Sales Index and Forecast Pending home sales have increased for seven straight months rising 6.4 percent to 103.8 from a reading of 97.6 in July, and is 12.4 percent above August 2008 when it was 92.4. Lawrence Yun, NAR chief economist, said not all contracts are turning into closed sales within an expected timeframe. "The rise in pending home sales shows buyers are returning to the market and signing contracts, but deals are not necessarily closing because of long delays related to short sales, and issues regarding complex new appraisal rules," he said. "No doubt many first-time buyers are rushing to beat the deadline for the $8,000 tax credit, which expires at the end of next month." Read the News Release.
	Existing-Home Sales Index Existing-home sales bounced back strongly in September with first-time buyers driving much of the activity, marking five gains in the past six months. Lawrence Yun, NAR chief economist, said favorable conditions matched with a tax credit are boosting home sales. Read the News Releases. See all the housing & economic indicators from NAR's Research Department.
	Housing Opportunity in the News
	Housing Opportunity Initiatives Helena Association of Realtors® receives Ambassadors for Cities Award The Helena Association of REALTORS® and the City of Helena received the Ambassadors designation for their roles in creating the Helena Area Housing Task Force. The purpose of the Task Force is to prepare a comprehensive housing affordability strategy. This is the first effort of this kind in a decade. The strategy will begin with a housing needs assessment, which will identify housing needs within the community, establish priorities, and recommend projects to the city and its partners. Read the press release about this honor.
	Housing Opportunity Resources IRS and the Tax Credit on YouTube The IRS is using a YouTube video to promote the First Time Home Buyer Tax Credit as Congress weighs whether to extend the benefit prior to its expiration December 1. Cost issues and finding the appropriate legislative vehicle are among the hurdles to extension. Watch the video. Eye on Local Markets: Housing Affordability Data for 2009 As we get nearer to the end of 2009 and the beginning of a new year, Research is taking a look at some markets that are showing positive movement. This list will expand as new data and information become available. Find your market.

	CONFERENCES,EVENTS & TRAININGS Home From Work Trainings November 2 - Orlando, FL, Orlando Regional REALTORS® Association November 9 - Norwich, CT, Eastern Connecticut Association of REALTORS® November 18 - Philadelphia, PA, National Association of REALTORS® November 19 - Clearwater, FL, Pinellas REALTOR® Organization November 24 Las Vegas, NV, Greater Las Vegas Association of REALTORS® December 4 Boise, ID, National Association of REALTORS® December 9 Leawood, KS, Kansas City Regional Association of REALTORS® See all upcoming Home From Work classes. Podcasts President's Focus on Loan Limits, HVCC Podcast Listen to NAR President Charles McMillan's podcast on NAR's advocacy efforts to get the home buyer tax credit extended and advance a host of issues to keep the real estate turnaround on track. Economist's Podcast NAR Chief Economist Lawrence Yun discusses reasons for renewing the tax credit and its impact on the economy.
	PARTNER HIGHLIGHT LISC Online Resource Library The Local Initiatives Support Corporation (LISC) Online Resource Library is a web portal to information resources on community development. It includes LISC's collection of downloadable publications, such as its monthly eNewsletter, policy briefs, in-depth papers, case studies, and best practices. The Resource Library also offers links to other community development resources, as well as access to past Experts Online Webcasts.

	PROGRAM FOCUS Housing Opportunity Fund Local and state REALTOR® associations can request financial support for programs and activities that create housing opportunities for area residents. Since its creation in 2002, the Housing Opportunity Program has awarded more than $300,000 in funding to state and local REALTOR® associations. Read more on the Housing Opportunity Fund.
	More Information If you would like more information about the Housing Opportunity Program please contact us at housingopportunity@realtors.org or call (202) 383-7560/1079.

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Daily Real Estate News

2009-10-30T10:05:00.001-07:00

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October 30, 2009


	Advertisement Boost business with free marketing tools and training from REALTOR.com®. Get a free, customized six-step online listing optimization plan (click "Free Download") at www.BenefitsAtREALTOR.com



	House Committee Weighs Scrapping HVCC The appraisal system implemented last May could be ended as part of legislation for a new Consumer Financial Protection Agency. Read more >

	NAR Lauds Extension of Higher Loan Limits Congress quickly passed a resolution that extends the current Fannie, Freddie, and FHA mortgage loan limits through 2010. Read more >

	Foreclosures Tricks and Treats HGTV real estate Web site Frontdoor.com explains the "tricks and treats" of buying a foreclosure. Read more >

	Vacant Homes Up Slightly The number of vacant homes in the U.S. rose in the third quarter, but did not surpass the high reached in the first quarter of this year. Read more >

	Banks: Borrowers Improve Payment Records The percentage of late payments on mortgages and other loans has gone down, banks report. Read more >

	New Jersey, New York Tops in Tax Bills The highest property taxes in the country are in New York and New Jersey, according the the Tax Foundation. Read more >

	Chinese Drywall Passes Early Tests The U.S. Consumer Product Safety Commission has stopped short of blaming Chinese drywall for health problems of home owners. Read more >

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	10 Affordable Home Redos

	Buyer's Guide: New Car Class of 2010

	Make the Most of Your Fourth Quarter



	Does Earning Plaques Matter? Does your brokerage encourage competition? Does singling out top performers inspire others or simply lead to professional jealousy? What is the real value of sales contests? Read more >


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	Economy: Looking Toward Stabilization

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America Property Alerts, 30 October 2009

2009-10-30T09:21:00.001-07:00

America Property Alerts

30 October 2009

Dear APA Friend,

According to new statistics from Moneycorp, enquiries for property in Brazil have climbed up by over 57 per cent since it won the 2016 Olympics. Moneycorp has responded by launching a new service for property buyers in the country. It has teamed up with Banco Rendimento to allow you to forward contract the rate of exchange with the Brazilian currency, the real. Over at IPA, we recently ran a feature on forward contracts which gave you the how-to. Email me back if you'd like to read it. Our currency specialist, Robert Groves, can also put together a piece on the outlook for the real so you can decide whether you want to fix or float - again, email me back for that.

Jo Tweedy is taking a look at Brazil as it awaits the inevitable tourism boom before the 2016 Olympics. Read more on this at The Daily Mail:

http://www.dailymail.co.uk/travel/article-1218271/As-Rio-adds-Olympics-2016-World-Cup-2014-South-American-city-preparing-tourism-boom.html

Good news for the Panama property market thanks to the growth of its medical tourism sector. The area looks set to enjoy further growth as health care costs in the US continue to rise and Panama also offers various procedures which aren't currently available in central US. Many people head to Latin America for medical treatment as it offers treatments at far lower prices compared to international patients' home countries. Looking at a Deloitte study, 2007 saw 750,000 Americans travel to Latin America for health care, a figure which rose to 1.5 million in 2008 and 3 million in 2009. 2010 predictions are now at 6 million. With the cost of operating in Panama and averages of 50-60 per cent cheaper costs than in North America, it's clear to see why it's become a popular choice.

Best Wishes

Iain

Iain Maitland
America Property Alerts

You are strongly advised to take independent professional advice before investing. Purchasing a property in America is not the same as buying a property in the UK.

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If you decide at any time that America Property Alerts is not for you, just click the unsubscribe link at the bottom of this email and you can remove yourself from the list immediately.

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Daily Real Estate News

2009-10-29T10:54:00.001-07:00

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October 29, 2009


	Advertisement Boost business with free marketing tools and training from REALTOR.com®. Get a free, customized six-step online listing optimization plan (click "Free Download") at www.BenefitsAtREALTOR.com



	Homebuyer Credit Gets New Life The Senate has tentatively agreed to extend and expand the First-Time Homebuyer Tax Credit until mid-2010. Read more >

	New-Home Sales Decline After a steady rise, new-home sales dipped by 3.6 percent in September with the West and South being the hardest hit. Read more >

	Renters Feeling Less Safe A new Apartments.com survey reports that renters want in-unit security alarms, 24/7 doormen, and security cameras. Read more >

	How to Tell Mortgage Rates Are Rising With mortgage rates being at a historic low, they can only go up. BusinessWeek lays out signs that indicate rates are on the rise. Read more >

	Remodeling Costs Decrease Around the country prices for home-improvement projects are falling as much as 10 percent. Read more >

	FHA 203(k) Loans on the Rise The FHA loan has become increasingly popular for buyers looking to buy fixer-uppers, especially foreclosures. Read more >

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	10 Affordable Home Redos

	Buyer's Guide: New Car Class of 2010

	Make the Most of Your Fourth Quarter



	Does Earning Plaques Matter? Does your brokerage encourage competition? Does singling out top performers inspire others or simply lead to professional jealousy? What is the real value of sales contests? Read more >


	2009 Expo Exhibitor List

	Economy: Looking Toward Stabilization

	Progress on the Tough Issues

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Property News Update from ludlowthompson.com: Let's hear it for cycling in London!

2009-10-28T13:14:00.001-07:00

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London Property News

Property market news, tips and crazy stories

W/C 26th October 2009

	Let's hear it for cycling in London! Passionate about the benefits of cycling, here's the best entries and the winner of our ��100 Wiggle voucher. Read Full Article....


	Cycling in London: join the debate If you feel strongly about cycling one way or another don't miss the Spectator debate: 'Cyclists are a menace'.


	Cycling in London: video broadcast ludlowthompson discuss the topical subject of finding a place to rent in London on a good cycle route.


	Halloween cancelled in ghost town Britain's most haunted village says 'nevermore' to Halloween, shutting the door to unwanted visitors.


	New buyers need ��11,000 less First-time buyers helped onto the property ladder by family as starter homes become more affordable.


	Mortgage approvals increase September 2009 The number of new loans from High Street banks for house purchases rises to the levels not seen since 2007.


	Buy-to-let fraudsters appear in court Three men appear in court following allegations of a ��1million Buy-to-let fraud that lasted for over 4 years.


	Landlord fined ��10,000 for illegal eviction Islington landlord ordered 'heavies' to evict tenant from property despite warnings from council housing officers.


Other Stories:

	Where to live in London: Streatham feature	27th Oct 2009

	Tenant Sharers Property of the Week: SE4	27th Oct 2009

	Positive Buy-to-Let predictions	20th Oct 2009

	Sales Market Update: Third quarter 2009	20th Oct 2009

	Coalition seeks abolition of Stamp Duty	20th Oct 2009

	Council accused of HMO 'money-making'	20th Oct 2009

	To Let area of the week: Property in Lewisham	20th Oct 2009

	Officially the noisiest neighbour?	20th Oct 2009

	London tenants victims of mail fraud	13th Oct 2009

	Disability rules could apply to all lettings	13th Oct 2009


	More in our Archive


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Daily Real Estate News

2009-10-28T09:19:00.001-07:00

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October 28, 2009


	Advertisement Boost business with free marketing tools and training from REALTOR.com®. Get a free, customized six-step online listing optimization plan (click "Free Download") at www.BenefitsAtREALTOR.com



	Senate Dems on Board with Credit Extension Tax credit is likely to be cut 10 percent, but is also expected to be expanded to include step-up buyers who are already home owners. Read more >

	Mortgage Applications Fall Again Volume dropped 12.3 percent last week, though interest rates were also down, according to the Mortgage Bankers Association. Read more >

	Housing Pain May Not Be Over Concerns arise that the current recovery may be tenuous because it is largely government sponsored. Read more >

	Landlords Cut Commercial Rents A drop in rents should spur leasing activity nationwide over the next year, according to Reis Inc. Read more >

	Mortgage Bankers to Sell HQ The association bought the 10-story Washington, D.C. building for $79 million just as the commercial market was softening in 2008. Read more >

	The Value of Generational Marketing The members of Generations X and Y account for 78 percent of first-time buyers. Here's how to connect with them. Read more >

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	Does Earning Plaques Matter? Does your brokerage encourage competition? Does singling out top performers inspire others or simply lead to professional jealousy? What is the real value of sales contests? Read more >


	2009 Expo Exhibitor List

	Economy: Looking Toward Stabilization

	Progress on the Tough Issues

Unsubscribe from this e-mail newsletter.

Manage E-mail Preferences: To change your e-mail address, or manage your subscriptions, please log in to your REALTOR.org account. Your REALTOR.org username is TelanganaDeccan.

Customer Support: Visit our customer support page for help with your account.

Advertising Inquiries: Learn how you can advertise in this e-mail newsletter.

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