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[ดาวน์โหลดหนัง] THE TOWN ปิดเมืองปล้นระห่ำเดือด Part 1-3
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Keys To Success in Buying and Selling Distressed Real Property
Keys To Success in Buying and Selling Distressed Real Property
By: John Smith
How to Maximize Your Success in Buying and Selling DistressedReal Property© Ariel Weissberg, 2006, All Rights Reserved
Today, more than ever before, we are bombarded with "get-rich-quick" schemes in the media. In this modern electronic age of 24/7 where the separation between work and pleasure is blurred by constant demands for higher and more immediate productivity, the allure of these so-called business opportunities with the promise of more money with less work is the modern "cry of the sirens": even the most sophisticated among us are drawn toward the dream of chucking the "rat race" in favor of working as your own boss, making huge dollars. Today, one of the most heavily advertised opportunities on the internet, (seemingly second only to the spam avalanche for increased sexual performance) is buying and selling distressed real property. Here, supposedly free lists of foreclosures are marketed with the "promise" that even the uninitiated in real estate investment can profit greatly. If you are looking for quick solutions, click on the "Viagra" advertising, because speculating in distressed real property, while potentially very profitable, requires much more knowledge and attention to detail than advertised. So, before you yell, "Take This Job and Shove It," and delve into the list of properties in foreclosure for "buy low, sell high" opportunities, this article will provide you with some practical suggestions for avoiding a bad investment experience with distressed real property, potentially leading to your own financial distress.
The first step toward successfully investing in distressed real property is understanding the nature of the problems associated with the ownership, use or occupancy that make the real property distressed. The most common problem leading to distress is a foreclosure. Foreclosures involve liens. Liens are an interest in real property held by a creditor, consensually or non-consensually, often to secure an obligation of the owner or a prior owner of the property. In a foreclosure, a holder of a consensual lien (mortgage) or a non-consensual lien (involving creditors: mechanics lien, broker's lien, tax lien, municipal lien or judgment lien) is seeking to extinguish the interests of subordinate lien creditors (those with lesser rights) and rights of the owner of the real property; and to sell the real property at a judicial sale to satisfy the indebtedness securing the foreclosing lien claimant's lien. Most states, like Illinois, require real property foreclosures through a lawsuit, with the owner and all other interest holders given an opportunity to be heard in court. Mortgage foreclosure laws are harsh, but generally provide the property owners an opportunity to reinstate a mortgage on residential property or to pay-off the indebtedness securing the mortgage, prior to the loss of the property through judicial sale. Foreclosures often involve complicated issues of law and fact, and this is especially so when the owner of the property seeks to stop a foreclosure through the filing of a bankruptcy petition.
Numerous "problems," other than foreclosures, can cause real property to be "distressed." Any of the following situations, some which do not involve the financial distress or creditor issues of the property owner, can cause property to be "distressed," and thus present a great investment opportunity for the knowledgeable investor: (a) serious disagreements between owners of the real property, including stemming from a divorce or dissolution of a business organization related to the real property; (b) environmental contamination of the property; (c) unpaid real estate taxes ; (d) the inability to obtain municipal authority for the use or proposed use of the property; (e) real property involved in a bankruptcy case; (f) landlord-tenant disputes; (g) probate and inheritance problems; (h) building, fire and other municipal code violations; (i) disputes arising over the rights of non-owners to enter or use the property through easements or licenses.
While the truism of "location, location, location" might apply to real property in general, the axiom for distressed property is "homework, homework, homework." This represents the second and most important step in successfully investing in distressed real property. Investigating distressed property includes the typical "due diligence" required for non-distressed property, plus an exhaustive, on-going review of all legal, business and financial matters that are causing, complicating or mitigating the distress of the property. This investigation requires much more than just the typical fact-gathering. Distressed property can involve a veritable minefield of complicated legal and financial problems, which, at first glance, might make the purchase price attractive, but could lead to great expense after the purchase.
In all business acquisitions, a good, fluid and flexible strategy is very important. This is especially true in acquiring distressed property because the purchase of "distressed" real property often does not involve a willing seller, at least at the early stages of "distress." And, as the investor approaches the latter stages of distress, when the owner's consent is no longer or less of an issue, or the owner is more desperate and commensurately more amenable to a sale, the competition among interested buyers increases dramatically. Timing is critical: positions and motivations change quickly with distressed property. An investor in distressed property must have the ability to close a deal quickly, especially where there is competition for the property. To be a "player" in this arena, "Cash is King": you need immediate access to money to close, and you cannot delay the deal with financing contingencies or otherwise involving your prospective lenders. This is especially true with foreclosures where the sale is an auction.
Because so many aspects of distressed property involve technical legal issues, sharing the responsibility of pre-sale investigation and formulating an acquisition strategy with a competent lawyer is critical to avoiding pitfalls and increasing the likelihood of success. Having ready access to qualified real estate professionals as advisors is another important step in successfully investing in distressed property, where the investor must rely on a qualified lawyer to assist in maneuvering through the potential mine fields. But, in this age of legal specialization, it is difficult to find a lawyer that has sufficient breadth of experience in all of the important areas of real estate litigation and development, bankruptcy and insolvency, mortgages, credit facilities, leasing, brokerage and construction law relating to residential, commercial and industrial properties. The search for a qualified lawyer is as important as the search for qualified properties. Seeking advice from real estate professionals, coupled with the investor's own investigation is advisable. But, the savvy investor should not substitute his own "hands-on" investigation, without the assistance of a qualified lawyer, in the hope of saving on professional fees. In the end, this could lead to a very costly mistake.
So, go ahead and download that list of foreclosures from the internet! There are great opportunities in buying and selling distressed real properties in this economy, especially when interest rates are low and there are qualified buyers available to "flip" the properties to realize a quick profit. And remember, with good professional assistance and careful investigation, the risks of investing in distressed properties can be greatly minimized with substantial returns on your investment.
© 2003-2006 Weissberg and Associates, Ltd. All Rights Reserved
Article Source: http://www.superfeature.com
http://www.AdSenseThai.Net
By: John Smith
How to Maximize Your Success in Buying and Selling DistressedReal Property© Ariel Weissberg, 2006, All Rights Reserved
Today, more than ever before, we are bombarded with "get-rich-quick" schemes in the media. In this modern electronic age of 24/7 where the separation between work and pleasure is blurred by constant demands for higher and more immediate productivity, the allure of these so-called business opportunities with the promise of more money with less work is the modern "cry of the sirens": even the most sophisticated among us are drawn toward the dream of chucking the "rat race" in favor of working as your own boss, making huge dollars. Today, one of the most heavily advertised opportunities on the internet, (seemingly second only to the spam avalanche for increased sexual performance) is buying and selling distressed real property. Here, supposedly free lists of foreclosures are marketed with the "promise" that even the uninitiated in real estate investment can profit greatly. If you are looking for quick solutions, click on the "Viagra" advertising, because speculating in distressed real property, while potentially very profitable, requires much more knowledge and attention to detail than advertised. So, before you yell, "Take This Job and Shove It," and delve into the list of properties in foreclosure for "buy low, sell high" opportunities, this article will provide you with some practical suggestions for avoiding a bad investment experience with distressed real property, potentially leading to your own financial distress.
The first step toward successfully investing in distressed real property is understanding the nature of the problems associated with the ownership, use or occupancy that make the real property distressed. The most common problem leading to distress is a foreclosure. Foreclosures involve liens. Liens are an interest in real property held by a creditor, consensually or non-consensually, often to secure an obligation of the owner or a prior owner of the property. In a foreclosure, a holder of a consensual lien (mortgage) or a non-consensual lien (involving creditors: mechanics lien, broker's lien, tax lien, municipal lien or judgment lien) is seeking to extinguish the interests of subordinate lien creditors (those with lesser rights) and rights of the owner of the real property; and to sell the real property at a judicial sale to satisfy the indebtedness securing the foreclosing lien claimant's lien. Most states, like Illinois, require real property foreclosures through a lawsuit, with the owner and all other interest holders given an opportunity to be heard in court. Mortgage foreclosure laws are harsh, but generally provide the property owners an opportunity to reinstate a mortgage on residential property or to pay-off the indebtedness securing the mortgage, prior to the loss of the property through judicial sale. Foreclosures often involve complicated issues of law and fact, and this is especially so when the owner of the property seeks to stop a foreclosure through the filing of a bankruptcy petition.
Numerous "problems," other than foreclosures, can cause real property to be "distressed." Any of the following situations, some which do not involve the financial distress or creditor issues of the property owner, can cause property to be "distressed," and thus present a great investment opportunity for the knowledgeable investor: (a) serious disagreements between owners of the real property, including stemming from a divorce or dissolution of a business organization related to the real property; (b) environmental contamination of the property; (c) unpaid real estate taxes ; (d) the inability to obtain municipal authority for the use or proposed use of the property; (e) real property involved in a bankruptcy case; (f) landlord-tenant disputes; (g) probate and inheritance problems; (h) building, fire and other municipal code violations; (i) disputes arising over the rights of non-owners to enter or use the property through easements or licenses.
While the truism of "location, location, location" might apply to real property in general, the axiom for distressed property is "homework, homework, homework." This represents the second and most important step in successfully investing in distressed real property. Investigating distressed property includes the typical "due diligence" required for non-distressed property, plus an exhaustive, on-going review of all legal, business and financial matters that are causing, complicating or mitigating the distress of the property. This investigation requires much more than just the typical fact-gathering. Distressed property can involve a veritable minefield of complicated legal and financial problems, which, at first glance, might make the purchase price attractive, but could lead to great expense after the purchase.
In all business acquisitions, a good, fluid and flexible strategy is very important. This is especially true in acquiring distressed property because the purchase of "distressed" real property often does not involve a willing seller, at least at the early stages of "distress." And, as the investor approaches the latter stages of distress, when the owner's consent is no longer or less of an issue, or the owner is more desperate and commensurately more amenable to a sale, the competition among interested buyers increases dramatically. Timing is critical: positions and motivations change quickly with distressed property. An investor in distressed property must have the ability to close a deal quickly, especially where there is competition for the property. To be a "player" in this arena, "Cash is King": you need immediate access to money to close, and you cannot delay the deal with financing contingencies or otherwise involving your prospective lenders. This is especially true with foreclosures where the sale is an auction.
Because so many aspects of distressed property involve technical legal issues, sharing the responsibility of pre-sale investigation and formulating an acquisition strategy with a competent lawyer is critical to avoiding pitfalls and increasing the likelihood of success. Having ready access to qualified real estate professionals as advisors is another important step in successfully investing in distressed property, where the investor must rely on a qualified lawyer to assist in maneuvering through the potential mine fields. But, in this age of legal specialization, it is difficult to find a lawyer that has sufficient breadth of experience in all of the important areas of real estate litigation and development, bankruptcy and insolvency, mortgages, credit facilities, leasing, brokerage and construction law relating to residential, commercial and industrial properties. The search for a qualified lawyer is as important as the search for qualified properties. Seeking advice from real estate professionals, coupled with the investor's own investigation is advisable. But, the savvy investor should not substitute his own "hands-on" investigation, without the assistance of a qualified lawyer, in the hope of saving on professional fees. In the end, this could lead to a very costly mistake.
So, go ahead and download that list of foreclosures from the internet! There are great opportunities in buying and selling distressed real properties in this economy, especially when interest rates are low and there are qualified buyers available to "flip" the properties to realize a quick profit. And remember, with good professional assistance and careful investigation, the risks of investing in distressed properties can be greatly minimized with substantial returns on your investment.
© 2003-2006 Weissberg and Associates, Ltd. All Rights Reserved
Article Source: http://www.superfeature.com
http://www.AdSenseThai.Net
10 SEO Tips for WordPress
WordPress is getting more popular by the day. It enables people to set up a blog, and even a complete website within minutes.With all the great free plugins and designs out there it is really an easy to use and complete blogging solution.
I get asked for specific SEO tips for WordPress very often. Basically all the ‘usual’ SEO stuff is also applicable for WordPress.But besides that, there are a few tips for WordPress I’d like to share with you.Here it goes:
1. Use PermalinksBe sure to use Permalinks on your blog.By default WordPress uses web URLs which have question marks and lots of numbers in them. These links are hard to spider for search engines, and therefor your postings aren’t indexed as fast and as good as you want to.WordPress offers you the ability however, to create a custom URL structure for your permalinks and archives.You can find this option in your Admin panel. Choose ‘Options’ in the menu and there ‘Permalinks’.This brings us immidiately to Tip 2:
2. Place your titles up front in your URLsIn the Permalinks section you can choose for the ‘Date and name based’ option. This will place the year, month, day and post title in your URL.For SEO purposes it’s better to have your post title up front. So instead you should choose for the ‘Custom’ option and put in something like:/%postname%/%year%/%monthnum%/%day%/
This will give you an URL like this:http://www.seo-portal.com/section-targeting-for-AdSense/2006/07/06/
3. TagsTags are a great SEO addition to your blog. They enable search engines to crawl your website more easily and in addition to that, create specific pages for your tags/keywords.You can install the Ultimate Tag Warrior plugin on your WordPress blog. Get the plugin here: http://www.neato.co.nz/ultimate-tag-warrior/
4. Page TitlesMake sure you set good titles on your pages. We discussed putting the post title up front in your URL. You should do the same thing for your Titles.You can do this by changing the title tag in your header.php (located in wp-content/themes/your theme/)You can use the following code in order to get your post title in front, followed by your blog name:
title : /title
5. Choose your Post Titles carefullyYour Post Titles should be as clear as possible. Don’t stuff your titles with keywords you are targeting with your whole blog.Choose your keywords carefully per posting, and get those words in your Post Title.
6. AutolinksCross link to your own posts and pages in your own content. Do this by linking your keywords to the relevant postings.To facilitate this work, you can install the SH-Autolink plugin.
7. Related PostsPut links to related posts under your postings. This helps search engines crawling your site and indexing all your postings.You can get a plugin for this here: http://www.w-a-s-a-b-i.com/archives/2006/02/02/wordpress-related-entries-20/
8. Ping ServicesEverytime you post or edit a posting or page, your WordPress blog can notify lots of sites that you updated your blog.Be sure to use this feature!You can set up this feature in Options >> Writing. You can find a list of sites to ping on the WordPress site:http://codex.wordpress.org/Update_Services
9. Google SitemapsGoogle has a tool for webmasters called Google Sitemaps. This will help Google index your website, and let’s you tell Google which pagesare most important. If you make use of this feature, you will be able to see for what searches your site was shown in the results.This helps you optimizing your appearance in Google.You can use this plugin to automatically create a sitemap for your WordPress blog:http://www.arnebrachhold.de/2005/06/05/google-sitemaps-generator-v2-final
10. CategoriesCategories help you organize your content. If you have the permalinks turned on, the category names will apear in your URL.This is why it is also very important to name your categories carefully; Try to use keywords to name your categories and don’t be afraid to make a load.WordPress enables you to make use of subcategories and sub-subcategories etc. etc. This way you can narrow down your focus on certain keyword phrases.Consider the following example:You have a website about selling photocamera’s. You could organize your articles/postings like this:fotocamera’s >> Digital camera’s >> SLR >> NikonIf a user would be searching for “digital SLR camera nikon” the deepest nested category would have a good optimized URL for this search as the URL would be something like thiswww.yoursite.com/fotocameras/digital-cameras/SLR/nikon/
You can make use of the King Categories Widget to organize your categories:http://www.blog.mediaprojekte.de/cms-systeme/wordpress/wordpress-widget-king-categories/
Article Source: http://www.superfeature.com
http://www.AdSenseThai.Net
I get asked for specific SEO tips for WordPress very often. Basically all the ‘usual’ SEO stuff is also applicable for WordPress.But besides that, there are a few tips for WordPress I’d like to share with you.Here it goes:
1. Use PermalinksBe sure to use Permalinks on your blog.By default WordPress uses web URLs which have question marks and lots of numbers in them. These links are hard to spider for search engines, and therefor your postings aren’t indexed as fast and as good as you want to.WordPress offers you the ability however, to create a custom URL structure for your permalinks and archives.You can find this option in your Admin panel. Choose ‘Options’ in the menu and there ‘Permalinks’.This brings us immidiately to Tip 2:
2. Place your titles up front in your URLsIn the Permalinks section you can choose for the ‘Date and name based’ option. This will place the year, month, day and post title in your URL.For SEO purposes it’s better to have your post title up front. So instead you should choose for the ‘Custom’ option and put in something like:/%postname%/%year%/%monthnum%/%day%/
This will give you an URL like this:http://www.seo-portal.com/section-targeting-for-AdSense/2006/07/06/
3. TagsTags are a great SEO addition to your blog. They enable search engines to crawl your website more easily and in addition to that, create specific pages for your tags/keywords.You can install the Ultimate Tag Warrior plugin on your WordPress blog. Get the plugin here: http://www.neato.co.nz/ultimate-tag-warrior/
4. Page TitlesMake sure you set good titles on your pages. We discussed putting the post title up front in your URL. You should do the same thing for your Titles.You can do this by changing the title tag in your header.php (located in wp-content/themes/your theme/)You can use the following code in order to get your post title in front, followed by your blog name:
title : /title
5. Choose your Post Titles carefullyYour Post Titles should be as clear as possible. Don’t stuff your titles with keywords you are targeting with your whole blog.Choose your keywords carefully per posting, and get those words in your Post Title.
6. AutolinksCross link to your own posts and pages in your own content. Do this by linking your keywords to the relevant postings.To facilitate this work, you can install the SH-Autolink plugin.
7. Related PostsPut links to related posts under your postings. This helps search engines crawling your site and indexing all your postings.You can get a plugin for this here: http://www.w-a-s-a-b-i.com/archives/2006/02/02/wordpress-related-entries-20/
8. Ping ServicesEverytime you post or edit a posting or page, your WordPress blog can notify lots of sites that you updated your blog.Be sure to use this feature!You can set up this feature in Options >> Writing. You can find a list of sites to ping on the WordPress site:http://codex.wordpress.org/Update_Services
9. Google SitemapsGoogle has a tool for webmasters called Google Sitemaps. This will help Google index your website, and let’s you tell Google which pagesare most important. If you make use of this feature, you will be able to see for what searches your site was shown in the results.This helps you optimizing your appearance in Google.You can use this plugin to automatically create a sitemap for your WordPress blog:http://www.arnebrachhold.de/2005/06/05/google-sitemaps-generator-v2-final
10. CategoriesCategories help you organize your content. If you have the permalinks turned on, the category names will apear in your URL.This is why it is also very important to name your categories carefully; Try to use keywords to name your categories and don’t be afraid to make a load.WordPress enables you to make use of subcategories and sub-subcategories etc. etc. This way you can narrow down your focus on certain keyword phrases.Consider the following example:You have a website about selling photocamera’s. You could organize your articles/postings like this:fotocamera’s >> Digital camera’s >> SLR >> NikonIf a user would be searching for “digital SLR camera nikon” the deepest nested category would have a good optimized URL for this search as the URL would be something like thiswww.yoursite.com/fotocameras/digital-cameras/SLR/nikon/
You can make use of the King Categories Widget to organize your categories:http://www.blog.mediaprojekte.de/cms-systeme/wordpress/wordpress-widget-king-categories/
Article Source: http://www.superfeature.com
http://www.AdSenseThai.Net
African American Women - Loans Loans For African American Women
African American women play a very important role in the American economy nowadays, getting more and more involved in the industrial and overall business world. Some of them are successful and influential entrepreneurs, venturing into several sectors such administration, management, PR and engineering. This fact has increased their capability to ask and take loans of all kinds, either for business or personal purposes - such as mortgages.
African American women who wish to acquire a capital for a house purchase or financing for their business can now turn to several places where loans are available.
First of all there are many organizations, both local and international, that foster the personal and business development of African American women, granting loans with low interests and longer payoff time. It is relatively easy to find these organizations in the US, mostly because they are all available online and because there are valuable pieces of information in local authorities and public offices.
The Government and the public sector run many projects and programs that aim to the financial help of African American women, providing grants and loans to women who have either been born in the US or immigrated there and have been legally settled for some years. The disadvantage of these loans and projects though is that they are relatively limited which means that whoever is interested needs to apply early, as soon as the target date and period start running.
Financial Institutions also give great numbers of loans to African American women, appreciating their growing participation and presence to the local economy. It is known that women become excellent professionals and have usually better credit scores than men, a fact that permits the banks to close larger amounts of loans to them.
This is the bright side though of loans given to African American women, because recent studies run by the Consumer Federation of America as well as the National Community Reinvestment Coalition prove that African American women get their loans with highly unfavorable terms from the banks and the financial institutions.
Numbers don't lie and what they say is that women of African American descent take mortgages and all kinds of loans with higher interest in a 32%, while most of them have bigger incomes than men. 50% of men who ask for the same loans have either worst credit scores or lower income but get the loans with lower interests. Women pay averagely 7-9% of interest rate in mortgages while men 5-6%. This is a drain that stigmatizes the black women, raising questions on the real reasons for this discrimination.
The current crisis in the financial institutions has affected African American women more than any other category, even though most of them meet effectively the requirements set by the banks. The subprime crisis in loans is significantly and disproportionally damaging black women, forcing many Consumer Federations in the US as well as advocacy groups to protest and defend the right of African American women to enjoy equal terms as men and white people, especially when are more qualified.
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Programming: Working with AJAX
Ajax is a way of programming for the Web that gets rid of the hourglass. Data, content, and design are merged together into a seamless whole. When your customer clicks any screen element on an Ajax driven application, there is very little lag time and the page is displayed instantly without refreshing or reloading.
Ajax is a group of interrelated Web development techniques used on the client-side to create interactive Web applications. In an offshore software development scenario, Ajax Web applications can retrieve data from the server asynchronously in the background without interfering with the display and behavior of the existing page. The use of Ajax techniques has led to an increase in the interactive or dynamic interfaces on Web pages and better quality of Web services due to the asynchronous mode. Data is usually retrieved using the XMLHttpRequest object. Despite the name, the use of JavaScript and XML is not actually required, nor do the requests need to be asynchronous.
Use of Ajax Technology is leading in businesses focusing on providing outsourcing software development service. Ajax is a way of developing Web applications that combines:
- XHTML and CSS standards based presentation
- Interaction with the page through the DOM
- Data interchange with XML and XSLT
- Asynchronous data retrieval with XMLHttpRequest
- JavaScript to tie it all together
An Ajax application eliminates the start-stop-start-stop nature of interaction on the Web by introducing an intermediary — an Ajaxengine — between the user and the server. It is always thought that adding an intermediary layer to the application will make it less responsive; however, the opposite is true in Ajax.
Instead of loading a webpage, at the start of the session, the browser loads an Ajax engine — written in JavaScript and usually tucked away in a hidden frame. This engine is responsible for rendering the user interface and communicating with the server. The Ajax engine allows the user’s interaction with the application to happen asynchronously — independent of communication with the server. So the user is never staring at a blank browser window and the hourglass icon, waiting for the server to complete with the process.
Every user action that normally would generate an HTTP request takes the form of a JavaScript call to the Ajax engine instead. Any response to a user action that doesn’t require a trip back to the server ,such as simple data validation, editing data in memory, and even some navigation, the engine handles on its own. If the engine needs something from the server in order to respond, such as submitting data for processing, loading additional interface code, or retrieving new data, the engine makes those requests asynchronously, usually using XML, without stalling a user’s interaction with the application.
The biggest challenges in creating Ajax applications lies to the designer and not the developer since the core Ajax technologies are mature, stable, and well understood.
So, if you are still not using Ajax technology for developing Web applications, then you are lagging behind in the world of technology and advancement.
Related Resources:
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John Chris is the author of this article. He has been writing articles for Outsourcing software developmentcompanies like Q3 technologies since last three years. He also has a keen interest in Offshore software development services.
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