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Resolved Question: is there any standards set in the lending industry for the debt to income ratio used to approve loans?

Is there a website which sets forth guidelines or the typical ratio for conventional residential real estate loans?

2 Jun 2010, 11:34 pm | click here for answers

Voting Question: Are Real Estate Investment Trusts (REITs) good investments or bad?

I have some money that I need to invest. I'd like to diversify (I already have a broad range of stock and bond funds including index funds) and I'm tempted by the fact that REITs are have fallen far, but appear to be recovering. In your opininion, are REITs a good or bad investment in general? Are they a good or bad short-medium term investment right now? Are you pro or con certain categories of REIT (e.g. Residential, Retail, Industrial?) If you are pro-REIT, what do you think of diversified REITs like Vanguard's REIT Index Fund (VGSIX)? Is the indexed nature good? or is the 16% residental component bad?

16 Jul 2010, 8:26 pm | click here for answers

Open Question: DEFLATION cannot be stopped now , or can you counter these fine reasons?

1) Higher Taxes. In some states like California we look higher retail sales tax. In states like Illinois they have raised fees in certain areas. In some parts of California, parents now have to pay for their kids to play high school sports. We look early signs of increased taxes and fees. This issue is not terribly significant now though. In the last depression tax rates didn't go up until a few years after the meltdown. So, this could be a slow process of increasing taxes and taking away loopholes for the wealthy. But any increase is a decrease in net incomes. That impacts consumer spending and the affordability of real estate. Higher taxes and fees are negatives for two of the most important parts of the economy. 2) Wage Deflation. We look wage deflation now mostly in the world of contractors. I have several clients who have clip salaries by 10% twice. I have clients who have moved employees to part time which allowed the employer to receive rid of benefits. Here's where I look the next waves of wage deflation: First, as the bank industry consolidates over the next few years there will simply be too many bankers in this world. Greater supply and lower demand will force bank compensation downward. Secondly, many sales people are going to receive a haircut, especially those with high base salaries. In a slow sales environment, companies won't pay top level salaries, and will move to a more commission based platform. Lastly, the biggest current issue is the layoff of unionized municipal workers. Where in the world is a policeman going to go to work after being laid off and make $100,000 in salary with $50,000 to $150,000 in overtime, not to mention their benefits package. Policemen, Firemen, teachers, etc. are so specialized in their training, there is no way for them to integrate back into the world without taking a 25-60% total compensation clip. Everyone in the world is focused on the budget deficit issue for so many states and cities. What gets lost in that issue is that the correction in budgets requires lower compensation from those fired and later in the cycle from those who receive to keep their jobs. In the case of California we are going to lose a great number of people who make well over $100,000 per year. Wage deflation is one of the integral parts of a deflationary cycle because it guarantees lower consumer spending and real estate affordability. Again, two of the most important parts of the economy. The layoffs coming from municipal governments this year and next will guarantee wage deflation moves forward. 3) The Next Wave of Residential Foreclosures. Last year I wrote the following: We've experienced a big wave of residential foreclosures in this country, and there is another wave pending. The next wave stems from the Alt A. and Option ARM programs underwritten during the real estate bubble. Many of these exotic loan programs arrive with low teaser rates or flexible loan payment structures that only last for the first few years of the loan and then convert to a fully amortizing loan payment at a higher rate. And guess what: Home Foreclosures Jump to Record Level in United States, No Big Surprise Like clockwork, the residential foreclosure wave has arrive right on time. As a banker, this was one of the easiest things to look coming. At the core of a deflationary cycle is a correction in real estate far greater than anyone can look. This wave of foreclosures will create a supply of financially distressed real estate in the market in one form or another (foreclosures or short sales). We should look this push prices lower again. Lower real estate values create several issues. Declining real estate values impact consumer confidence and spending. This lowers retail sales taxes. Lower real estate values pressure real estate tax revenue collections lower for municipal governments. Reduced retail sales and real estate taxes guarantee continual budget deficits forcing municipal layoffs, and cuts to salary and benefits, which lowers income taxes, which again hits the budgetary issue. Wage deflation and declining real estate are the two key ingredients of deflation. Declining real estate will also put more banks out of business, which will force more bankers out of work, and again thereby decreasing income taxes for states. A consolidating and struggling banking industry will tighten down credit like no one has seen and businesses will not receive funded. It's this category where you receive the visual of a cycle of deflation. Every wave down or negative impact causes another and another negative impact, like dominos falling. 4) Non Primary Residential Real Estate (Farms, Vacation Homes, Commercial, and Multi-Family). Within this category let's focus on commercial real estate: Commercial Mortgage Backed Security Delinquency Rate Rising quick. Again, as a banker that's provided financing on commercial real estate for th 5) The Local Municipal Government. This might be the hottest and most contentious topic at the local level of government: States and cities face a daunting task to cure budget deficits. We are witnessing layoffs that collectively across the nation will mount to big numbers. There are roughly 20,000,000 municipal workers. If we clip just 10%, that's another 2,000,000 in unemployed. Once again, that impacts consumer spending and real estate affordability, pressuring real estate values down, and collectively they impact retail sales tax, real estate tax, and income tax collections. Again, this pressures budget deficits in the future.

27 Jul 2010, 12:06 am | click here for answers

Resolved Question: What kind of loan can I get from residential real estate property that I'm making payments on?

I'm new to loans, but wanted to know that if I were to take over residential real estate property by means of auction, etc., and make monthly payments on it, could I use that property to obtain an equity loan, mortgage loan, or some sort of collateral loan?

20 Jul 2010, 10:33 am | click here for answers

Voting Question: How do I go about starting a real estate company?

I am in college and getting my real estate license. I want to receive internships and a real estate job however, in this economy I know no one will hire me at my age with no experience and in this awful market. I want to focus on commercial real estate but I feel I should start in residential. What is your opinion and how do I go about starting the company COMPLETELY legal and coming up with a name. My last name is Brown so I figured maybe something to do with that.

18 Jun 2010, 9:54 pm | click here for answers

Voting Question: construction and real estate developer question.are they the same?

i am interested in a career as a real estate developer.even though i am studying for a degree in economics and accounts,i was wondering if an internship in construction company.will this help me in my reaching my dreams?i want to become a developer of hotels,commercial property residential property sort of like donald trump. please give me every the tips that can help me through. also,is it possible to have a construction business which will take part in the construction of the buildings but at the same time,me being the owner of the buildings? do i need to study construction or real estate management to make this happen? is interning at a construction company going to help me in gaining my experience or do you suggest elsewhere? knowledgeable answers only thank you in advance

12 May 2010, 5:03 am | click here for answers

Resolved Question: Is this a good way to make the economy grow?

I have noticed a lot of middle eastern countries right now are going through aggressive construction projects. I happen to run into this one in saudi arabia called "king abdullah economic city" I will post a quote about it ---------------------------------------------------------------------------------------------------- Overview With a total development area of 173 km² (66.8 sq mi), the city is located along the coast of the Red Sea, around 100 km north of Jeddah, the commercial hub of the kingdom, the city is also going to be approximately an hour away from the holy Islamic cities of Mecca and Medina by car. And as reportedly an hour away of every Middle Eastern capital cities by plane. The total cost of the city is $80 billion (around SR 300 billion), with the project being built by Emaar, The Economic City. A Tadawul-listed company created from Emaar Properties, a Dubai-based Public Joint Stock Company and one of the world’s largest real estate companies, and SAGIA (Saudi Arabian General Investment Authority) which is the main facilitator of the project. The city, along with other five economic cities, is a part of an ambitious "10×10" program to place Saudi Arabia among the world’s top ten competitive investment destinations by the year 2010, planned by SAGIA. The first stage of the city is planned to be completed in 2010, while the whole city is going to be fully completed by 2020. The city will help diversify the oil-based economy of the kingdom by bringing direct foreign and domestic investments. The city also will help create up to one million jobs for the youthful population of the country, where 40% of the population are below 15. City Components Industrial Zone The Industrial Zone is estimated to cover 63 million m². The 4,400 hectares of land will be dedicated to industrial and light manufacturing facilities - identified as key growth drivers for the Saudi economy - and can now host 2,700 industrial tenants. The jobs created estimated to be in industrial and light industries (330,000); research and development (150,000); business and office (200,000); services (115,000); hospitality (60,000) and education and community services (145,000). The "Plastics Valley" planned within the zone will use raw materials readily available in Saudi Arabia to produce high-end plastics used in automotive, biomedical, construction and food packaging industries. Sea Port The Sea Port is estimated to cover 13.8 million sq meters, it will be the largest in the region with a capacity of over 10 million*twenty-foot equivalent units*(TEU) of containers per year. The port will have facilities to handle cargo and dry bulk, and will be equipped to receive the world’s largest vessels. Another key component of the Port will be a custom-built Hajj Terminal with a capacity to handle up to 300,000 pilgrims on their way to Mecca and Medina, the holy Muslim cities. Residential Areas The residential area is planned to include 260,000 apartments and 56,000 villas. It will be divided into smaller residential, commercial, and recreational areas. Parks and green spaces will be used extensively throughout the residential area. The area is estimated to be home for around half a million residents, and another ten thousand tourists. Each district would feature its possess public amenities, such as mosques, shops and recreational venues. Sea Resort The Resorts Area will be designed to feature services and amenities, hoping to draw both local and international tourists. Set to become a major destination on the map of Saudi Arabia and the map of the Middle East as a whole. It will include hotels, shopping centers and other recreational facilities. The number of hotel rooms and suites are proposed to be 25,000 hotel rooms in more than 120 hotels. Among the tourist draws at the resort is an 18-hole golf course, with training facilities and driving range. An equestrian club, yacht club and a range of water sports will also be constructed. Educational Zone The Educational Zone is a part of plan to bring the Saudis capabilities and aspirations in technology to globally competitive levels. The Educational Zone is planned to consist of multi-university campus flanked by two Research & Development parks. The multi-university campus is designed to accommodate 18,000 students, and a 7,500 faculty and staff members. Central Business District The Central Business District (CBD) is planned to offer 3.8 million m² of office space, hotels and mixed-use commercial space. The Financial Island, within the CBD, has now been doubled in area to cover 14 hectares of land, which will be the largest regional financial nerve middle for the world’s leading banks, investment houses and insurance groups. ------------------------------------------------------------------------------------------------ This project cost 80 billion dollars! That is a lot of money. Do you guys think this is a good way to make the economy grow

1 Apr 2010, 9:51 am | click here for answers

Resolved Question: real estate help?!!!!!!!!!!!!?

if a dispute arises between the buyer and the seller, the approved contract of sale(residential)provides initially for: a. arbitration below the arbitration act b. mediation before a mediator selected by the buyer and seller c. forfeit of the buyer's earnest money d none of the above

11 May 2010, 4:29 pm | click here for answers

Resolved Question: Is there a standard rate of real estate brokerage in India?

How much can we negotiate? How can tens of thousands of Rupees be justified for just getting the buyer/lessor and landlord to meet? Is there a difference in brokerage on commercial and residential property? What if a residential property is hired for commercial purposes?

18 May 2010, 2:10 am | click here for answers

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Resolved Question: What degree would best prepare me for a career in real estate?

I know that to be successful in real estate, you dont really need a bachelor's degree, but i have the gi bill and i dont want to waste it. i'd like to work for a company as a property manager, preferably managing multifamily residential properties, while investing in real estate in my spare time. i figure that would give me the experience i need to one day quit my job and invest in real estate full time. i have a nice wad of cash sitting in mutual funds right now, but i plan to use it to buy my first property when i feel like i know what im doing. i have been trying to decide what to major in that would make me a better analyst and manager. i've been considering accounting, finance, and economics (in that order). i figure if i go with accounting, even if the real estate industry isn't hiring, i can still receive a job doing accounting work while investing on the side. i think majoring in finance or economics will make me a better analyst and give me a better understanding of how the market works, but i dont think either are as marketable as an accounting degree. idk, what do you think?

24 Jun 2010, 1:45 pm | click here for answers

Voting Question: Bptp Spacio Park Serene Gurgaon-Bptp Spacio Gurgaon-Gurgaon Property Apartment?

BPTP presents Spacio, Park Serene, Sector-37D, Gurgaon at an unbelievable price of Rs. 2650/- per sq. ft. with an inaugural discount of Rs. 125/- per sq ft. Spacio (at Sector 37D, Gurgaon) has a range of 2, 3 & 4 bedroom apartments to suit your budget perfectly. Each apartment is tastefully carved out to create adequate living space for the family as well as a corner for individual pursuit. Location: 1. Located on the proposed 60 mtrs sector road. 2. Approachable from both NH8 & proposed 150 mtrs Dwarka expressway. Other Benefits: An upfront discount of 5% shall be allowed on every installments of BSP paid on or before due date after booking. About BPTP BPTP Limited, a real estate development Company in india, is undertaking a wide-range of projects including integreted townships, residential & Commercial Complexes, retail spaces, IT parks and SEZs. BPTP Limited Today has its presence throughout the National Capital Region and beyond including Faridabad, Gurgaon, Noida and Greater Noida. The Company is gradually spreading its footprints and is now gift in Hyderabad where it will focus on a mixed use development. BPTP is constantly working towards building investor confidence and faith in the Company. Sustainable growth and building high standards of corporate governance is the focus for the company. Citigroup Property Investers (CPI) picked up an equity stake of 5.89% in BPTP Limited. by investing Rs. 322.50 cr. (USD 80 million ) in 2007. merrill Lynch invested Rs. 1122.1 million (USD 27 million) in a subsidiary of BPTP to develop an IT project in Gurgaon. The Project named " I Park " is Located on the Delhi - Jaipur Highway (NH-8) at Phase IV in Udyog Vihar. Customer Services: Lav Kohli : +91 - 956 019 6011 +91 - 956 019 6012 +91 - 956 019 6013 +91 - 956 019 6014 E-mail : info@bptpspacio.com Website : www.bptpspacio.com

26 Jul 2010, 7:25 am | click here for answers

Resolved Question: Answer this question .. .. please . ..?

The real estate industry claims that it is the best and most effective system to market residential real estate. A survey of randomly selected home sellers in Illinois found that a 95% confidence interval for the proportion of homes that are sold by a real estate agent is 69% to 81%. Interpret the interval in this context. a.If you sell a home in Illlinois, you have a 75% ± 6% chance of using a real estate agent. b.We are 95% confident that between 69% and 81% of homes in this survey are sold by a real estate agent. c.95% of every random samples of home sellers in Illinois will show that between 69% and 81% of homes are sold by a real estate agent. d.In 95% of the years, between 69% and 81% of homes in Illinois are sold by a real estate agent. e.We are 95% confident, based on this sample, that between 69% and 81% of every homes in Illinois are sold by a real estate agent.

30 Apr 2010, 2:44 am | click here for answers

Open Question: Where is Bptp Spacio, Bptp Spacio Park Serene-Bptp Spacio Gurgaon-Bptp Spacio ?

BPTP presents Spacio, Park Serene, Sector-37D, Gurgaon at an unbelievable price of Rs. 2650/- per sq. ft. with an inaugural discount of Rs. 125/- per sq ft. Spacio (at Sector 37D, Gurgaon) has a range of 2, 3 & 4 bedroom apartments to suit your budget perfectly. Each apartment is tastefully carved out to create adequate living space for the family as well as a corner for individual pursuit. Location: 1. Located on the proposed 60 mtrs sector road. 2. Approachable from both NH8 & proposed 150 mtrs Dwarka expressway. Other Benefits: An upfront discount of 5% shall be allowed on every installments of BSP paid on or before due date after booking. About BPTP BPTP Limited, a real estate development Company in india, is undertaking a wide-range of projects including integreted townships, residential & Commercial Complexes, retail spaces, IT parks and SEZs. BPTP Limited Today has its presence throughout the National Capital Region and beyond including Faridabad, Gurgaon, Noida and Greater Noida. The Company is gradually spreading its footprints and is now gift in Hyderabad where it will focus on a mixed use development. BPTP is constantly working towards building investor confidence and faith in the Company. Sustainable growth and building high standards of corporate governance is the focus for the company. Citigroup Property Investers (CPI) picked up an equity stake of 5.89% in BPTP Limited. by investing Rs. 322.50 cr. (USD 80 million ) in 2007. merrill Lynch invested Rs. 1122.1 million (USD 27 million) in a subsidiary of BPTP to develop an IT project in Gurgaon. The Project named " I Park " is Located on the Delhi - Jaipur Highway (NH-8) at Phase IV in Udyog Vihar. Customer Services: Lav Kohli : +91 - 956 019 6011 +91 - 956 019 6012 +91 - 956 019 6013 +91 - 956 019 6014 E-mail : info@bptpspacio.com Website : www.bptpspacio.com

27 Jul 2010, 12:46 am | click here for answers

Resolved Question: What is a successful closing ratio in real estate sales?

Granted success is a relative term and it depends on many factors such as your dedication, skills etc. What is considered a successful closing ratio in both residential and commercial real estate sales? And where does this rank a person for example a “super star” sales person or an average salesperson? Thanks in advance for your help.

7 Apr 2010, 10:19 am | click here for answers

Resolved Question: What distance or time would you estimate residential buyers consider to be walking distance?

With environment concerns and costs of owning a car increasing, public transportation may be more important to residential property buyers. We hear about existing and new residential properties that are within walking distance of public transportation or other amenities. But what really is walking distance today to the typical buyer of residential property in your local real estate market? In your experience as a real estate professional or valuation specialist what distance or time would you estimate residential buyers consider to be walking distance?

4 Jun 2010, 1:21 pm | click here for answers

Voting Question: Where is the best place to find residential rental properties in Northern VA?

I am looking to move into a rental home in Northern Virginia (specifically Alexandria) and don't know where to find available properties. I KNOW Craigslist exists but would like to discover more resources. I am looking for a 3bedroom single family home in the Del Ray, Alexandria area. Is there a newspaper, real estate company, website, online bulletin.. etc, that would be helpful on my search? Thank you!

18 Jul 2010, 6:32 pm | click here for answers

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Resolved Question: What type of answer do you WANT????

Im just curios to know do you prefer a clip and glue answer Or more of an honest off the top of your head answer Example Q-I have a black neighbor who I want to invite to my home warming but im nervous because of something’s ive heard about the race what are some suggestions? A- just walk right over there and invite them cease being a p u s s e A- The African American race is know to be aggressive Residential segregation persists today less because of intolerance but rather based on human greed. White middleclass homeowners are fearful of any factor which may adversely affect the value of their principal economic asset and the real estate industry reacts to this concern by excluding prospective minority purchasers. A 1991 study by the National Academy methodically measured the extent of this discriminatory practice. African Americans are the only minority group to ethnically dominate the neighborhoods that they reside in. This segregation is not economically based. Studies have shown that affluent blacks are more segregated than the poorest Asians and Hispanics. Studies have also indicated that the major responsibility for this continued segregation is rests with the real estate industry. Discrimination was overt until the Fair Housing Act was passed in 1968. Black home seekers now face a more subtle process of exclusion. Rather than encountering "white only" signs, there are a covert series of measures. Black buyers are systematically shown, offered, and invited to inspect far fewer homes than comparably qualified white buyers. As a result, their access to urban housing is substantially reduced. And although white attitudes about racially mixed neighborhoods have changed , there has been a systemic failure to achieve any meaningful goals in residential desegregation. The effect of residential segregation aggravates the overall trend of income inequality which disproportionately affects African Americans. High levels of income inequality paired with high levels of racial or ethnic segregation result in geographically concentrated poverty. Studies have indicated that such residential class isolation is a primary cause of reduced employment, lowered incomes, fewer marriages and increased unwed childbearing. So my answer would be cautious and look at the statistic’s before you knock on the door So which do you prefer ? this is not a real question im black?

16 Jul 2010, 9:17 am | click here for answers

Resolved Question: What is it like being a real estate agent?

im thinking about career options and was thinking about being a real estate agent. i have been researching it but im not to sure if i should trust the interviews done on real estate agents about being a real estate agent because they would probably only pick the best ones. obviously it varies from person to person so what is it like for you (or someone you know well) being a real estate agent? what are your hours like? what is your pay like? (you don't have to answer this one but it would adore to know, here's a key if you would like to give an approx. 1=less than $50,000 a year. 2=$50,000-$100,000 a year. 3=$100,000-$500,000. 4=500,000+) uh... im sure i had other questions but i forgot, so any other information you think is relevant would be appreciated and also, what do you consider is better, commercial, residential or another nice of real estate agent thanks for taking the time to answer :)

16 Jun 2010, 2:56 pm | click here for answers

Resolved Question: With the Freddie Mac and Fannie Mae debacle now estimated to cost us $1 TRILLION, shouldn't we start..?

reforming this massive govt boondoggle? On top of that, they NOW want to cease helping the middle class, and ONLY help the needy? Aren't those the bulk of the loans that have been defaulted on already? How stupid can these people be??? excerpt... For American taxpayers, now on the hook for some $145 billion in housing losses connected to Fannie Mae and Freddie Mac loans, that amount could be just the tip of the iceberg. According to the Congressional Budget Office, the losses could balloon to $400 billion. And if housing prices fall further, some experts caution, the cost to the taxpayer could hit as much as $1 trillion. Two things are clear: Taxpayers don’t want to foot the bill, and Fannie and Freddie, taken over by the government in 2008 to stanch the financial bloodletting, need a major overhaul. “Some of us who don’t even possess homes are paying to support others and their home ownership, and they ask ‘why?’ said Robert J. Shiller, a Yale University economics professor and co-creator of the S&P/Case-Shiller Home Price Indices. The indices measure the US residential housing market by tracking changes in the value of residential real estate both nationally and in 20 metropolitan regions. Shiller added that the mission of Fannie and Freddie should be severely clip back “so that they’re not helping middle-class homeowners, [but] they’re helping needy people receive into the housing market.” http://www.cnbc.com/id/37982580

30 Jun 2010, 9:10 am | click here for answers

Resolved Question: What do I need in order to claim the First-Time Home-buyer Credit?

I want to make sure that I meet every the deadlines in order to receive the First-Time Home-buyer Credit. Today, April 20th, I signed an Agreement of Sale for Residential Real Estate Agreement and my closing date is listed as June 1st. What else is needed by the end of April to qualify for the First-Time Home-buyer Credit and also when do I need to close by? Additional Information: I do not need a morgage I am paying cash. Also I am using a realtor because the seller is a long time family pal. Sorry...I am NOT using a realtor What is a HUD -1 statement?

20 Apr 2010, 2:26 pm | click here for answers

Resolved Question: real estate developers?

Who is the good real estate developer in chennai for residential plots? Wherever I go in Chennai I look for residential plots, they are showing me a piece of land with roads(Mostly mud), no proper sewage systems. Mostly they are showing me plots without trees. So please let me know who is the good one who grows trees, proper road mapping, sewaging etc? Any links would be appreciated?

23 Apr 2010, 11:06 am | click here for answers

Resolved Question: How to get Florida Real Estate license?

I want to become a real estate sale agent, anyone can help where to start step by step? and what license does it required and is there one license that can do both residential and commercial? thanks.

15 Jul 2010, 1:33 pm | click here for answers

Resolved Question: Is Real Estate Appraisal a good career to get into right now?

I looking to become a Certified Residential Appraiser, given the economic times is right now a good time to receive into the business? If so do you recommend any schools either online or in the San Diego region.

23 Jul 2010, 12:47 pm | click here for answers

Open Question: What is Bptp Spacio/Bptp Spacio Gurgaon/Bptp Spacio Park Serene/Spacio Gurgaon?

BPTP Spacio Park Serene Gurgaon :: BPTP Spacio Location :: About BPTP BPTP presents Spacio, Park Serene, Sector-37D, Gurgaon at an unbelievable price of Rs. 2650/- per sq. ft. with an inaugural discount of Rs. 125/- per sq ft. Spacio (at Sector 37D, Gurgaon) has a range of 2, 3 & 4 bedroom apartments to suit your budget perfectly. Each apartment is tastefully carved out to create adequate living space for the family as well as a corner for individual pursuit. Location: 1. Located on the proposed 60 mtrs sector road. 2. Approachable from both NH8 & proposed 150 mtrs Dwarka expressway. Other Benefits: An upfront discount of 5% shall be allowed on every installments of BSP paid on or before due date after booking. Exclusive Features: 1. Facing vast expanse of green reserve. 2. 5 minutes from hero Honda chowk & 15 mins from IGI airport. 3. Extensive landscaping. 4. Well designed recreational area. 5. Club with swimming pool & state-of-the-art health facilities. 6. In-complex daily shopping facilities. 7. Close to the proposed metro station. About BPTP: BPTP Limited, a real estate development Company in india, is undertaking a wide-range of projects including integreted townships, residential & Commercial Complexes, retail spaces, IT parks and SEZs. BPTP Limited Today has its presence throughout the National Capital Region and beyond including Faridabad, Gurgaon, Noida and Greater Noida. The Company is gradually spreading its footprints and is now gift in Hyderabad where it will focus on a mixed use development. BPTP is constantly working towards building investor confidence and faith in the Company. Sustainable growth and building high standards of corporate governance is the focus for the company. Citigroup Property Investers (CPI) picked up an equity stake of 5.89% in BPTP Limited. by investing Rs. 322.50 cr. (USD 80 million ) in 2007. merrill Lynch invested Rs. 1122.1 million (USD 27 million) in a subsidiary of BPTP to develop an IT project in Gurgaon. The Project named " I Park " is Located on the Delhi - Jaipur Highway (NH-8) at Phase IV in Udyog Vihar. Customer Services: Lav Kohli : +91 - 956 019 6011 +91 - 956 019 6012 +91 - 956 019 6013 +91 - 956 019 6014 E-mail : info@bptpspacio.com Website : http://www.bptpspacio.com

30 Jul 2010, 12:20 am | click here for answers

Resolved Question: Real Estate Question?

Is It possible to make money with little cash & NO credit. Or does this mean how you will earn the cash, and lift up your credit to make this money? I am new to this stuff, It's nice of interesting. I did hear that instead of working with residential homes, rather working with commercial buildings you work the same but make more while doing the same job, Is this true also? Thank you!

21 May 2010, 3:55 am | click here for answers

Resolved Question: I am a full time Realtor who's works more then 750 hours per year in the real estate business. I conduct my re?

I am a full time Realtor who's works more then 750 hours per year in the real estate business. I conduct my real estate business as a PA - Sub Chapter S Corp. I also personally possess many residential rental properties. They are every titled and vested in my Revocable Family Trust, except for my personal residence which is in my personal name only. I use depreciation of (27.5 years) from my rental properties, after deducting the land, to offset my ordinary income. Because I possess so many properties, I am able to use the deprecation which is greater then my income to offset my ordinary income. With this planning I have paid no income taxes for 20 years. However, when I sell the rental properties, I am required to pay 2 different taxes 1) a recapture of the depreciation, and 2) pay long term cap. gains tax on any profits. This allows me to defer paying ordinary income tax on my income, and I am able to convert this income into a cap. gains tax rate when I sell the properties. To summarize, this has resulted - I have NOT paid any income taxes in 20 years. I have however filed tax returns every these years

18 Apr 2010, 11:51 am | click here for answers

Voting Question: Why is suburban development so frowned upon? What are other ways to develop cities and residential areas?

Interested in real estate development, preferably commercial. Doing some research.

25 May 2010, 2:41 pm | click here for answers

Resolved Question: practice test to prepare for real estate exam?

How are inclusions of a perosnal nature dealt with in the approved contract of sale(residential)? a. they are not dealt with b. they must be conveyed by a separate bill of sales c. they are automatically included in the sales of real property d. they are conveyed by chattel mortgage

12 May 2010, 12:08 pm | click here for answers

Open Question: What is Bptp Spacio Gurgaon-Bptp Spacio Park Serene-Call+91-9560196011/12/13/14-Bptp Spacio Gurgaon ?

BPTP presents Spacio, Park Serene, Sector-37D, Gurgaon at an unbelievable price of Rs. 2650/- per sq. ft. with an inaugural discount of Rs. 125/- per sq ft. Spacio (at Sector 37D, Gurgaon) has a range of 2, 3 & 4 bedroom apartments to suit your budget perfectly. Each apartment is tastefully carved out to create adequate living space for the family as well as a corner for individual pursuit. Location: 1. Located on the proposed 60 mtrs sector road. 2. Approachable from both NH8 & proposed 150 mtrs Dwarka expressway. Other Benefits: An upfront discount of 5% shall be allowed on every installments of BSP paid on or before due date after booking. About BPTP BPTP Limited, a real estate development Company in india, is undertaking a wide-range of projects including integreted townships, residential & Commercial Complexes, retail spaces, IT parks and SEZs. BPTP Limited Today has its presence throughout the National Capital Region and beyond including Faridabad, Gurgaon, Noida and Greater Noida. The Company is gradually spreading its footprints and is now gift in Hyderabad where it will focus on a mixed use development. BPTP is constantly working towards building investor confidence and faith in the Company. Sustainable growth and building high standards of corporate governance is the focus for the company. Citigroup Property Investers (CPI) picked up an equity stake of 5.89% in BPTP Limited. by investing Rs. 322.50 cr. (USD 80 million ) in 2007. merrill Lynch invested Rs. 1122.1 million (USD 27 million) in a subsidiary of BPTP to develop an IT project in Gurgaon. The Project named " I Park " is Located on the Delhi - Jaipur Highway (NH-8) at Phase IV in Udyog Vihar. Customer Services: Lav Kohli : +91 - 956 019 6011/12/13/14 E-mail : info@bptpspacio.com Website : www.bptpspacio.com

27 Jul 2010, 1:20 am | click here for answers

Resolved Question: Do I need a license to do hard money lending in Arizona?

I operate a real estate investment fund and we are seeking to lend difficult money to a limited degree. Will I need any licenses (ie mortgage banker/broker license) to do so? The Partnership is headquartered in AZ but incorporated in DE and loans will only be for AZ residential real estate. Thank you.

23 Jun 2010, 12:37 pm | click here for answers

Resolved Question: July 1st of 2010 everyone doing residential loans must be licensed to do them?

Who does this effect? What if I am a broker? Or a real estate agent? Do I still need to take this exam? if so , is it just like the real estate license exam ? Any information would be greatly appreciated and thank you in advance?

9 Jun 2010, 3:04 pm | click here for answers

Voting Question: I obtained a residential leasing license in illinois but I now live in tennessee. Do I have to transfer it?

I have worked in the administrative field of real estate for some time and i also dabbled in leasing. Therefore, I obtained my leasing license in illinois. Now I live close Ft. campbell, KY and I am thinking of getting back into the field. i am wondering if I need to transfer my license in order to obtain a job in this field in this state. I have been out of the business for a couple years so I'm not sure what I need to do.

25 Jul 2010, 10:31 am | click here for answers

Resolved Question: Commercial Real Estate Agent vs Residential Agent?

Which is better and for what reasons? Which is more lucrative? Who has better hours? Which is harder? Thanks!

20 Jul 2010, 4:16 pm | click here for answers

Open Question: BPTP Spacio Gurgaon, Park Serene Spacio Gurgaon, BPTP Spacio Sector-37-D ?

BPTP Spacio Park Serene Sector 37-D Gurgaon:-- Spacio at Sector 37D, Gurgaon has a range of 2, 3 & 4 bedroom apartments to suit your budget perfectly. Each apartment is tastefully carved out to create adequate living space for the family as well as a corner for individual pursuit. Spacio-Park Serene has a range of 2, 3 & 4 bedroom apartments to suit your budget perfectly. Each apartment is tastefully carved out to create adequate living space for the family as well as corner for individual pursuit. Like a study, or a tiny room to play your favorite musical instrument, or just a place to stretch and relax at the end of a tiring day. According to us, home should be a space to recharge you with life. And that’s why we don’t make them structures but we create space where life breathes, happiness multiples, families arrive together and individual blossoms. Add to that the essential facilities and amenities to make life simple, easy, stress free and comfortable. For instance the recreation area, swimming pool, 100% power backup, 24 x 7 security and round the clock water supply to mention a few. Location: 1. Located on the proposed 60 mtrs sector road. 2. Approachable from both NH8 & proposed 150 mtrs Dwarka expressway. Other Benefits: An upfront discount of 5% shall be allowed on every installments of BSP paid on or before due date after booking. Exclusive Features: 1. Facing vast expanse of green reserve. 2. 5 minutes from hero Honda chowk & 15 mins from IGI airport. 3. Extensive landscaping. 4. Well designed recreational area. 5. Club with swimming pool & state-of-the-art health facilities. 6. In-complex daily shopping facilities. 7. Close to the proposed metro station. About BPTP: BPTP Limited, a real estate development Company in india, is undertaking a wide-range of projects including integreted townships, residential & Commercial Complexes, retail spaces, IT parks and SEZs. BPTP Limited Today has its presence throughout the National Capital Region and beyond including Faridabad, Gurgaon, Noida and Greater Noida. The Company is gradually spreading its footprints and is now gift in Hyderabad where it will focus on a mixed use development. BPTP is constantly working towards building investor confidence and faith in the Company. Sustainable growth and building high standards of corporate governance is the focus for the company. Citigroup Property Investers (CPI) picked up an equity stake of 5.89% in BPTP Limited. by investing Rs. 322.50 cr. (USD 80 million ) in 2007. merrill Lynch invested Rs. 1122.1 million (USD 27 million) in a subsidiary of BPTP to develop an IT project in Gurgaon. The Project named " I Park " is Located on the Delhi - Jaipur Highway (NH-8) at Phase IV in Udyog Vihar. Customer Services: Lav Kohli : +91 - 956 019 6011 +91 - 956 019 6012 +91 - 956 019 6013 +91 - 956 019 6014 E-mail : info@bptpspacio.com Website : http://www.bptpspacio.com

30 Jul 2010, 12:16 am | click here for answers

Resolved Question: Is an Online College a Good Idea for Me to Break into IT like I have Always Wanted to do?

I have primarily worked in the residential/commercial real estate/development industry. However, during that time I have been part of a software implementation involving JD Edwards (now PeopleSoft or Oracle?) and part of website design/maintenance. I loved it! No matter where I work, I'm always drawn towards IT. The fact of the matter is that the economy tanked, I was laid off, and happened to have a child at the same time. My life is upside down, but I know that I still want to work in IT. Where do I start? I have an Associates in Marketing. I was looking into getting my BA in IT with Western Governors University online. I enjoyed web design, but feel that that is not going to be in demand in the future with the templates they have out now and will improve upon. every my networks/contacts are in the real estate/development industry. I have been unable to obtain IT contacts. The ones I've worked with have been so withdrawn as if I was going to steal their secrets and then their jobs right out from below them. Anyway, I would greatly appreciate some advice on how to start my path and what emphasis is best to head down? I hear Security will be in high demand. What mentality is best for that type of work and how difficult is it to receive into with the security clearances needed? PS - I'm also living in a rural area not too outrageously far from DC, but what IT jobs are best for telecommuting?

6 Jul 2010, 10:52 pm | click here for answers

Resolved Question: Renewable energy federal tax credit and home ownership?

This is a rather complex issue I'm trying to work out. My goal is to take advantage of both the federal and state renewable energy incentives by purchasing a PV system for my parents home ~ (my legal inheritance), who live in PA where there is currently a generous state grant which stacks (fairly certain) with the Fed. tax credit. I currently work in NC where I'm renting an apartment. I have no intention of touching real estate right now so buying my possess place is out of the question. This is the complication. To receive the state grant, you must possess a home in PA, so my solution is to have my folks deal with the solar installer and claim the grant. However, they do not make enough taxable income to benefit from the rather big 30% federal credit, so I would have to somehow take this credit on my possess taxes, which would put the money back in my pocket in 1, maybe 2 fiscal years. Problem is, the Federal credit requires you to be a homeowner (anywhere) in the United States to claim the residential tax credit. Would it be possible for my dad to somehow add me to the home deed as a joint/family owner and enable me to claim the federal credit on my taxes? IRS form # 5695. I am very unfamiliar with how joint home ownership works, so I'd appreciate a knowledgeable answer. In case it matters, my parents are both alive and legally married. And anyone tax-savy enough to tell me 100% if joint-ownership would qualify me or not? http://www.portal.state.pa.us/portal/server.pt/community/in_the_news/10475/pa_sunshine_solar_program/553019 http://www.dsireusa.org/incentives/incentive.cfm?Incentive_Code=US37F&re=1&ee=1 This question will be a mute point after July 2010.

5 Jun 2010, 9:43 pm | click here for answers

Voting Question: Cant someone help me correct any Grammar mistakes?

My neighborhood is intriguing, convenient and very big. This neighborhood is located in South Ozone Park, Queens. It was originally developed as a low cost housing in the early 1900s. South Ozone Park is a neighborhood in the southwestern section of the New York City borough of Queens. Ozone Park is home to a more diverse population with many African American, Trinidadians, Bangladeshis, Guyanese and Hispanics living in the area. There is a high concentration of tiny business along Liberty Avenue, which is South Ozone Park’s main source of revenue. Liberty Avenue is extended from the end of the “A” subway at Lefferts Boulevard towards the Van Wyck. In this area you can find every types of business from a grocery store to a real estate agency. Not to forget KFC (Kentucky Fried Chicken) which was opened few months ago. It might be easier to find a roti store than a pizza store in this community. This neighborhood can be very busy on Sundays. The reason for this is because on Sunday most people buy their groceries. The “A” train is located four blocks from my home which is very convenient for me. The Q 10 bus cease can be found one block from my home. Living in my neighborhood for four years I feel like I am in my home county, Guyana. This neighborhood takes shape of a forest that has tall old trees. Each road has its possess personality in a way. every the houses have been around for sometimes now at least 30 years. These houses vary in design, style, and are a residential community with mostly single family homes. When you are outside you can hear the sounds of the birds in the sky. The environment is very tidy. Most of the time when I stick my head out the window or walk out the door, I look people speeding through my neighborhood. This can be really dangerous especially kids. I have been living here for four years. Since the day I moved here, cars have been speeding like crazy in my neighborhood. There are at least three to five cars speeding through every fifteen minutes anytime from 11am to 8pm. The speed limit in my neighborhood is 30 mph (miles per hour) and most of the people steer by speed like 40 mph (miles per hour). Accidents always occur at the intersection because no one ever observes the cease sign. In my neighborhood there is a park named Smokey Oval Park which is commonly called Smokey Park. The community uses the park for many purposes. A park Awareness day was held at Smokey Park featuring family entertainment and food donated by businesses. Concerts are held at this park to celebrate the heritage and culture of various ethnic backgrounds. Smokey Park is an important gathering place for the community. On the weekend you can find kids and teenagers of every ages at this park having a great time together. Comparing to other neighborhood I have lived before I have no regrets living here. The ambiance is very different. Everyday I discovered many different things in this neighborhood. Being a part of this neighborhood makes me feel great and I am proud to live here. My prosessor said I have 3 mistakes n I need to fix it thanks for helping me

27 Apr 2010, 4:50 pm | click here for answers

Voting Question: What is the standard Discount rate in calculating Net Present Value for real estate?

I have a rental and I need to set the price accordingly. NPV is Net gift Value, which is a tool to determine whether an investment is worth it or not within a certain discount rate (the minimum rate of return we want in percent). The building is located in a residential area, a gated housing community (not the high class one though). Will be rented out to workers and college students and has about 7 rooms to rent out. 2 seconds ago

7 Jun 2010, 11:47 pm | click here for answers

Resolved Question: Thinking of career options, a real estate agent, opinions?

im thinking about career options and was thinking about being a real estate agent. i have been researching for personal opinions of how its like but im not to sure if i should trust the interviews on the websites because they would probably only pick the best ones. obviously it varies from person to person so what is it like for you (or someone you know well) being a real estate agent? stressful, fun etc what are your hours like? and i know that your paid with commissions but what is your pay like? (you don't have to answer this one but it would adore to know, here's a key if you would like to give an approx. 1=less than $50,000 a year. 2=$50,000-$100,000 a year. 3=$100,000-$500,000. 4=500,000+) uh... im sure i had other questions but i forgot, so any other information you think is relevant would be appreciated and also, i know that its better to START in residential but what do you consider is better in the long run, commercial, residential or another nice of real estate agent? thanks for taking the time to answer :)

16 Jun 2010, 8:19 pm | click here for answers

Voting Question: Separating one residence lot into TWO residential lots?

We have a sleezy developer in town with alot of political clout. This developer bought five tiny single residential lots in town and then split each single lot into 'two residence lots' . These split residential lots are the size of a postal stamp. The developer placed and rents out trailers on the tiny lots. How did this developer go about having single residential lots divided into two lots? Are there any real estate terminology or real estate jargo to express what was done? Is something like this easy to do by a devleoper in a community? i want to add, what is wrong having two trailers soclose to each other is causing troubles. the people living next to each other are having fights including police calls. the trailers are so close if one residence shuts door the door in one trailer, the people in the next door hear the sound(s). meanwhile the developer laughs every the way to the bank. its kinda cruel to have people live so close to each other.

28 Apr 2010, 9:05 pm | click here for answers

Voting Question: What is the most lucrative side of real estate to work in Colorado?

What is the most lucrative side of real estate and why? I have heard being the employer broker is the most lucrative for residential real estate but is commercial more lucrative then an employer broker for residential sales( if true)? If commercial is more lucrative what part specifically? Is high end residential more lucrative then “average” commercial position? Please feel free to point other options then the aforementioned and why. I appreciate any help you can provide.

9 Jul 2010, 11:16 pm | click here for answers

Resolved Question: Math problem, Mill Rate!!!?

A town has an assessed residential property value of $250,000,000. Town council must meet the following expenditures: Education $ 10,050,000 General puposes $ 2,000,000 Recreation $ 250,000 Public works $ 700.00 Police and $ 850,000 flame protection supose 80% of the expenditures are charged against residential real estate. Calculate the total property taxes that must de raised? Please provide explanation. Thank you a million times in advance::))

13 May 2010, 4:26 pm | click here for answers

Resolved Question: A friends husband had a severe stroke prior to the financial crisis.?

They haven't paid real estate taxes before the stroke and owned IRS LOTZ of money due to interest. The wife is an independent residential appraiser and is hit difficult by the crisis. The payment program the IRS gave them is still putting them in the REDS not to mention the lien the IRS put on their property that's currently way below the market value. The pension that the stroked husband plus the money she makes as an appraiser barely makes it to pay their current mortgage that the bank won't remodify. Would not paying a couple of months the IRS and the bank and walking away result to a very nasty consequence for both of them?....Help my pal.

31 Mar 2010, 10:18 am | click here for answers

Resolved Question: Indus Hitech Solutions Offers Properties Chennai, Residential Chennai?

Indus Hitech solutions, which focuses on property management services for our real estate developments, project and construction management services in Chennai.

20 Jul 2010, 1:04 am | click here for answers

Resolved Question: A real estate question...please respond.?

Is there any way to check the staus of a building whether it is a residential, rental, condominium or a cooperative? Is there a data base to check for this information? Is there a city website that lists these informations? Thank you.

22 Apr 2010, 8:45 am | click here for answers

Resolved Question: Commercial Real Estate Agent or Residential Agent?

Which is best? being a commercial real estate agent, selling investment propertiesm or resindentail real estate agent selling houses and condos? What are the pros and cons of each?

9 May 2010, 6:03 pm | click here for answers

Resolved Question: Becoming a professional real estate developer?

I am interested in a career as a property developer (residential and commercial) in the United States and later outside the US. However, I cannot find a University or a College for this type of degree. Can anyone offer up some help?

16 Jun 2010, 9:33 pm | click here for answers

Open Question: Is this conflict of interest?

Let's consider the fate of Abbie: Abbie is the owner (but not the operator) of ABC Cleaning Services Inc. Abbie is also the vice-president of a real estate developer, XYZ Development Corp. Abbie hires Betty to operate ABC. After constructing a residential tower, Abbie knows that the developer must hires or construct a preliminary list of contractors to operate for the Strata Corporation before the 1st Annual General Meeting. XYZ contract ABC on behalf of the Strata. Some information were not properly disclosed to Strata Council. Is this a conflict of interest? If it is, then what are the penalties? Can you provide name(s) of the law governing this? For your information, I live in BC, Canada. If that makes a difference to the governing law.

29 Jul 2010, 3:26 am | click here for answers

Resolved Question: What is residential real estate?

i just wanted to now what is residential real estate? please receive back to me ASAP if you now the answer to my question. thank you:)

18 May 2010, 7:28 pm | click here for answers



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