(PRWEB) March 25, 2004
We are Canadians,we have invented and developed a game of sport name: "hole ball". This sport game is good for all ages, there is no limit to play this game, it can also be a toy game for young kids as well. We have spent a lot of time and money into this invention. We make sure that everything about this game was legally correct.
We were very well coached and advise by our legal agents. We are ready to do business with any interested company,in the toys or sports business or any other field.
This game is good even on the beach, in the house, and very safe for the furnitures and other things in the house. Your kids will admire this game. It is a 100% satisfaction guaranty, fun and a good workout, that is why this game is unique.
Some call it : the next most captivating, fascinating and funky game on the planet.
Anyone who try this sport game,will love it and, give up any other sports and adopt"hole ball. We don't have the finances and the contact necessary to get this product on the market, there is also other products and equipments related to the game. This game is a complete package. You won't regret your investment.
Now, we have the Copyright and the Patent and Trademark, we are seriously looking forward to meet, if required, with any potential company, investors or businessman(woman)to sit down and to get an agreement.
walter pierre
7300 tisserand,101a
brossard qc canada,j4w 2z3
celullar:514-231-8398
work:514-693-5410(ext.5416)
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Filed under News by on Sep 18th, 2010. Comment. 
Commercial Property in South Africa Yields Good Returns for 2008
The year 2008 saw many grief stricken property owners pulling out their hair in disbelief as the world markets came crashing down around them. The UK, USA, Europe and China were worst affected with inflation pushing many people’s income to stretch further than ever before, especially to cope with debt repayment and the loss of value of fixed assets.
South Africa did not escape unscathed and the population has definitely felt the sting of increasing food prices and inflation. Inflation grew to 11.5%, a major increase for a time frame as short as a year. The property market was reported as having ‘crashed’, leading to a major drop in property prices. Nominal returns on property values dropped far below the 27.5% which 2007 yielded and were the lowest recorded since 2002. Equities and property equities suffered a defeating -23.2% loss in 2008 whilst the JSE PLS Index returned -2.3% and the JSE PUT Index returned -9.7%.
These statistics may seem unsettling but South African property did perform somewhat in 2008, especially in comparison to other countries’ real estate markets. Despite the comparatively low yields on investments, the commercial property market has surprised many with far greater nominal returns than in other countries. Property developers and financial consultants warn that while the yields of 2008 are far less than 2007, the returns made have been satisfactory, especially considering the global financial crisis.
The Sapoa/IPD Property Index has revealed that investments in South Africa’s commercial property market produced a nominal return of 13%. This double digit figure is the highest in world commercial property for 2008. Despite the inflation rate taking this percentage to only a 1.3% increase from 13%, the return is a positive reflection of the greater financial stability of South Africa and especially its property markets when measured against other countries in Europe, Asia and the USA.
The UK and Ireland were heavily affected by the recession in 2008 with property values dropping due to yield rises across all sectors. The UK experienced nominal returns of -22.1% and Ireland -34.2%, a staggering loss in comparison with the 13% increase of South African commercial property. Continental Europe achieved varied returns from commercial property in 2008 whilst Asia suffered a staggering loss in comparison to last year’s returns. South Korea saw a drop from 26.7% in 2007 to 4.0% in 2008. North America achieved returns of 3.7% and Australia 1.3%.
Offices and industrial spaces achieved returns of 9%, whereas retail property made returns of 7.8% producing an average income return of 8.3% for all property. The cause of the positive returns has been linked to the pricing structure and financial markets in South Africa remaining somewhat stable. Even though the inflation rate of 11.5% has caused prices to soar, the effects were not felt nearly as heavily as in the UK, USA and Asia. Robust and capital income growth was positive throughout 2008 and whilst consumer confidence was a little threatened, commercial property investment was made to a far greater level than in other countries.
The positive returns on commercial property investments during 2008 in South Africa are a clear indicator that the property market in South Africa has a greater stability than elsewhere in the world. Despite the comparative drop to last year’s property returns, and the influence the recession has had on world property markets, South Africa’s commercial property marketing has emerged successfully. Buying commercial property at this time is a lucrative investment as prices are lower than average but the return is still positive and fixed assets are not depreciating in value.
The year 2008 saw many grief stricken property owners pulling out their hair in disbelief as the world markets came crashing down around them. The UK, USA, Europe and China were worst affected with inflation pushing many people’s income to stretch further than ever before, especially to cope with debt repayment and the loss of value of fixed assets.
Leapfrog Property Group are estate agents in South Africa, providing prime property in South Africa including residential and commercial property.
Filed under News by on Sep 17th, 2010. Comment.
Live the Good Life in a Miami Luxury Home
Picture yourself living in the home of your dreams, complete with pillars and a large porch, palm trees lining the drive, tennis courts or a pool to the side, and the Atlantic Ocean just beyond your back steps. When you buy a Miami luxury home you can have your own piece of heaven.
Some of the most amazing luxury homes are located in Miami. You can get a view of the ocean or Biscayne Bay. These luxurious homes come in all shapes and sizes to suit your family's needs and the size of your wallet. You can get some of these homes with a golf course, tennis court, swimming pool, and a gate with a guard shack. They all include amazing views and beautiful landscapes.
You can find luxury homes in Miami and the surrounding island communities such as Star Island (the home of many popular celebrities), Hibiscus Island, Normandy Island, Sunset Islands, Palm Island, and Veteran Islands. Bal Harbour, Coconut Grove, Morningside, Coral Gables, Gables Estates, Golden Beach, South Beach, and Miami Beach all have luxury homes available.
The Lincoln Road Mall, the Carnival Center of Performing Arts, and the Miami Beach Convention Center are popular nightlife spots located just a few minutes away from the luxury home communities in Miami. Prime 112, Joe’s Stone Crabs, and the Smith & Wollensky Steakhouse are some of the famous restaurants in the area. Having beautiful views and celebrity neighbors, as well as being close to the hotspots, contributes to why Miami luxury homes are so popular for those who are able to afford them.
Miami luxury homes have become more affordable through the years, making these homes more readily available to more and more people. You can purchase a Miami luxury home for prices between 0,000 to more than million. With the prices dropping, it is an ideal time for potential buyers to start their new life in a home they have always wanted. A Miami real estate agent should be contacted if you have an interest in buying or renting a Miami luxury home. They will happily answer all of your questions and find the luxury home in or around Miami that suits all of your wants and needs.
As a long time Florida property manager, Nicco Rostano has assisted many clients in finding Coconut Grove real estate. Nicco recommends Coconut Grove realtors, Miami Signature Homes to anyone looking for Miami luxury homes with waterfront property.
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Filed under News by on Sep 17th, 2010. Comment.
Sandpoint Idaho Real Estate Agents – the Good & the Bad
Short ones, tall ones, fat ones, skinny ones, good ones, bad ones, sad ones, happy ones. The list could go on and on forever, and starts to sound like a Dr. Seuss story. Like in any profession, you will find a wide variety of people who fit into the Sandpoint Idaho real estate agents category. They are professionals who are there to serve clients buy and sell real estate, and there are a lot of them.
Sandpoint Idaho is a happy place. Good schools, modern shopping, beautiful scenery and lots of recreational opportunities. Some quick research reveals that there are hundreds of Sandpoint Idaho real estate agents. Since North Idaho is such a great place to live it makes sense that there would be plenty of professionals to help people come and go. Some agents focus on transactions in raw land, others on homes, others on commercial. Any prospective buyer or seller can find an agent to help them with what they need. If you are more comfortable dealing with a nationally franchised real estate company you can easily find that. If you’d rather work with a smaller, more private agency, you can do that as well. No matter what your preference, Sandpoint, Idaho real estate agents are going to be able to help make your real estate goals and dreams come true.
Here is a list of some of the agencies in or near Sandpoint, just to name a few:
Century 21 RiverStone Real Estate
Maiden Rock Real Estate
Dover Bay Real Estate
CM Brewster & Co Real Estate
Windermere Real Estate/Idaho First Realty, Inc
Remax All Season Real Estate
Four Seasons Real Estate
Lake Country Real Estate
Dover ID Real Estate
Evergreen-Realty
Now let’s face it, some people make good agents and others don’t. I have experienced both good and bad Sandpoint Idaho real estate agents. Years ago, when I was renting a house that was on the market, I had a situation that bugs me to this day. The real estate agent came to the house when we weren’t home to show it to a prospective buyer. For whatever reason he didn’t have a way in to the main house, but knew that there was a key in the garage / shop. He had his little boy with him so he got creative. An open window in the shop area allowed him to lower his kid into the room, and unfortunately down on to a balsa wood RC airplane that I had been building. The kid stepped on the wing and broke a piece off. They got what they needed and left, leaving me a little note that said, “No key, got one from shop, sorry about plane.” I called him about it and he told me that’s what happens sometimes. That’s it! No apology, no offer to remunerate me. I lost some respect that day for that agent.
But, I realize that not all Sandpoint, Idaho real estate agents are that way by any means. In fact, one of the best business experiences I’ve ever had came from working with an agent that was a real pro. She constantly kept us informed, did everything possible to ease our concerns and stresses along the way through negotiations, and in the end even gave us some wonderful house warming gifts.
If I were buying or selling real estate in the Sandpoint area, and needed an agent today, I would do some careful research first. I would consider the Sandpoint Idaho real estate agents, their reputations, how satisfied previous clients are, and then pick one that I trusted and thought would be energetic in working to assist me in my goals.
MJ owns Blue Summit Articles and is a freelance writer for ClickShops Inc.,located in beautiful Sandpoint, ID. If you are looking for Sandpoint, Idaho real estate agents, then look no further than www.sandpointidahorealestateagents.com.
Filed under News by on Sep 13th, 2010. Comment.
Good News About the Sub-prime Mortgage Crisis
Hey, wait a minute! In recent months, the national media has dwelled on the collapse of the subprime mortgage market and the surge of foreclosures. But there is another side to this story that should also be considered.
The Mortgage Bankers Association recently released its National Delinquency Survey and the numbers are not what you may think. True, the rate of loans falling into foreclosure last quarter was the highest in the survey's 54-year history. 8.4% of subprime loans were more than 90 days late or already in the foreclosure process. That statistic is sobering, but it misses the point. If 8.4% are seriously delinquent or in foreclosure, 91.6% of the sub-prime borrowers are current with their loans and making their mortgage payments on time. They are enjoying the benefits of home ownership. Those borrowers were given the opportunity to own (rather than rent) because of the availability of sub-prime loans and have successfully taken advantage of that opportunity. For them, the "American Dream" has become a reality.
Of course, 8.4% default rate is high, but unanticipated financial problems happen. After all, people don't buy homes, take out loans, and then intentionally default. Usually something serious happens to disrupt the natural process. Commonly, it is loss of job, divorce, medical catastrophe, or some other unanticipated financial emergency that causes people to default. Keep in mind, though, you don't have to a sub-prime borrower to have financial problems. Prime borrowers also default on their loans and lose their homes in foreclosure (no one is immune in this market). Sure, the percentages are higher for sub-prime borrowers, but they are typically in a more vulnerable financial situation. Of course, they have a higher interest rate and pay a larger mortgage payments every month, so cut them some slack. Regardless, the solution is not to cut-off subprime lending, but rather to embrace these borrowers' unique needs. Particularly now, lenders need to offer delinquent homeowners programs to restructure their loans and avoid foreclosure. Let' look at why.
Delving deeper into the MBA survey, we discover several surprising facts. For example, the surge in sub-prime foreclosures last quarter was driven by four large states, California, Arizona, Nevada, and Florida. If it were not for the avalanche of foreclosures in those four states, there would have been an overall drop in the rate of foreclosure filings nationwide. Thirty-four states actually reported a decrease in the rate of new foreclosure foreclosures in the last quarter, and the remaining states (other than those four) reported only a modest increase.
There is also a wide divergence between fixed-rate and adjustable-rate loans. The delinquency rate for prime fixed-rate loans was essentially unchanged from the previous quarter and the rate for sub-prime fixed rate loans actually fell! In contrast, the rate of delinquency for prime adjustable-rate mortgages increased 36% and sub-prime adjustable-rate mortgages increased 227%.
Clearly, adjustable-rate mortgages ("ARMs") are the culprit and present a unique problem. But there is nothing wrong with ARMS, provided they are utilized responsibly. They have benefits you can't find with fixed-rate loans. They have lower interest rates and correspondingly lower monthly payments. They allow borrowers to qualify for loans they would not otherwise receive (of which the vast majority successfully pay each month). Plus, it just doesn't make sense to obtain a 30-year fixed rate loan, when in reality most people sell or refinance their homes every 5-7 years.
Nationwide, California leads the way with over 17% of all sub-prime adjustable rate mortgages. Similarly, California has over 19% of the foreclosures for sub-prime ARM loans. In fact, the same four culprits; California, Nevada, Arizona and Florida, have more than one-third of the nation's sub-prime ARMs, more than one-third of the foreclosures started on sub-prime ARMs, and most of the nationwide increase in foreclosures.
Another factor to consider is the distinction between owner-occupied and investor (non-owner occupied) borrowers. A majority of the delinquencies and foreclosure starts can be attributed directly to non-owner occupied loans. This is because investors are notorious for defaulting on mortgages when the market dips and they see the value of their properties evaporating. Further exacerbating the problem, investors' share of defaulted loans was 32% in Nevada, 25% in Florida, 26% in Arizona, and 21% in California. Yep, those same four states. Those rates are high compared with a rate of only 13% for the remainder of the country. And those percentages will certainly increase as property values continue to decline.
One more thing. The media has been quick to blame mortgage brokers for "forcing" borrowers into sub-prime adjustable-rate loans. I laugh every time I hear that. Anyone who has ever been a mortgage broker knows that you can't force a loan on borrowers, prime or sub-prime. It doesn't work like that anymore. Homeowners are more sophisticated than ever before. They have access to the internet, television and the mass media, and analyze available loan programs. They understand the difference between fixed-rate and adjustable-rate loans, between amortized and interest-only payments, and between "stated" and full documentation. They shop and explore alternatives. Ultimately, they select the loan they want, not their mortgage broker. Regardless of what the media says, that process works successfully for the vast majority of American homeowners.
All tolled, the sub-prime mortgage crisis is bad, but not nearly as bad as the media would have you believe. If you dig deeper into the survey, and segregate the four problem states, subprime ARMs, and investor loans, you will discover that with the vast majority of American homeowners, default and foreclosure are not issues. At least not yet.
This article was written by Lloyd Segal, mortgage banker, attorney, author, public speaker, and amateur economist. As an eternal optimist, Lloyd can find
Filed under News by on Sep 12th, 2010. Comment.
Coupeville, WA (PRWEB) July 19, 2010
While the Whidbey Island real estate market is showing signs of recovery, the median sales price here is still the lowest that it has ever been in recent years, according to local real estate specialist Pamela Z. Hill. The founder of leading real estate brokerage Whidbey View Homes, Hill reports that the number of home sales has been rising on the island, but that the median sales price is still significantly lower than it was during the peak years of 2006 and 2007.
“The recent rise in home sales indicates that homebuyers and investors are realizing that there are many good deals to be found on Whidbey Island right now,” says Hill. “The prices for Whidbey Island homes for sale haven’t been this low since around 2005 and this makes it an excellent time to invest in real estate here.”
According to a recent article from leading financial magazine Barron’s, the country’s luxury real estate market has been seeing increasing signs of activity since the first quarter of this year, with many of the best deals to be found in second homes. This holds true for Whidbey Island, as well, says Hill, who has a particular expertise in luxury waterfront and view homes on the island.
“If you’ve been thinking about relocating to Whidbey Island or buying a second home here, you will find current market conditions to be extremely favorable for buyers,” she says.
Whidbey Island, which is located just south of the San Juan Islands and north of Seattle, is one of the nine islands that comprise Island County, Washington. Known for its secluded feel and abundant water views, it is a favorite destination of those seeking privacy, relaxation and the great outdoors.
For more in-depth information on the Whidbey Island real estate market, the region, and its different communities, visit Hill’s comprehensive real estate website, WhidbeyViewHomes.com.
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Filed under News by on Sep 12th, 2010. Comment.
Is This A Good Time To Buy Cheap UK Properties?
At the moment there is a big slowdown in the property market in the UK, and although this may not seem like a good time to buy property, it could actually prove to be an excellent opportunity to pick up a few bargains.
Property prices in the UK have dropped sharply in recent months which is not necessarily a bad thing because prices have increased steadily over a number of years now and so a correction was inevitable at some point.
This drop in prices presents a good opportunity for the long-term investor because if you look at the property that is currently for sale, you are likely to find that prices in some areas of the country have fallen to around about what they were about three or four years ago.
So if you're investing for the long-term, which you should be if you want to make serious money from property, then this is a good time to be picking up some bargains, particularly if you are a cash investor or have some spare cash ready to invest.
It may be the case that prices have further to fall, but in the long run property prices only trend in one direction and that's upwards. Plus you can protect yourself to some degree by renting out your property if it's an investment and using it to earn an income, until prices start to rise again when you may consider selling.
The best thing about the current state of the market is that it's now very much a buyers market which means you can negotiate even better deals for yourself.
One way of doing this is by doing thorough research in your local area, picking out properties which are currently already on the market for a decent price, and put in cheeky offers well below the seller's asking price.
You will likely find that most of your offers will get rejected but you only need one seller to accept and you've got yourself an outstanding bargain.
Another good method of snapping up a cheap property is by visiting property auctions. Here you will find lots of properties selling for well below their true market value in a lot of cases, particularly at the moment when the property market is in a slowdown, because you have a lot less buyers to compete with.
So overall although prices are dropping slightly, in the long term this could turn out to be a good opportunity to negotiate some very good prices at below the true market value, and increase your chances of making good profits in years to come when the market inevitably picks up again.
Click here to learn the very best tips and strategies for buying property in the UK and making money from property.
Filed under News by on Sep 3rd, 2010. Comment.
Blaine, WA (PRWEB) April 25, 2007
Today SaveMeFromForeclosure.com, LLC announced that homeowners may be able to stop foreclosure by refinancing their loan but could face a costly solution. Refinancing a home loan can help homeowners facing foreclosure avoid a pending foreclosure, stay in their home and possibly create a better financial situation.
However, if a homeowner considers refinancing his or her loan to avoid foreclosure there are a few things to keep in mind. Refinancing can be a long and expensive process especially if the homeowner is already one or two payments behind on his or her mortgage.
Some things to consider are costs involved with a refinance. First, when a homeowner applies to refinance his or her loan there must be an appraisal done on the home. If the home appraisal does not fall within the LTV (loan to value) guidelines that the lender has set then they will not underwrite the homeowner's loan. So the homeowner must be aware that he or she may pay for an appraisal (0-500) and not be able to use it. Often times if the homeowner is rejected by one lender and tries to refinance with another lender, they most likely will want their own appraisal done. Appraisal fees can begin to add up very quickly.
Another cost that homeowners should consider when refinancing is that many times in a foreclosure refinance, the homeowner will be required to pay points. One point is equal to one percent of the loan amount. So if the homeowner borrows 0,000, and the broker is charging 2 points; that is an extra ,000 in broker fees.
Finally, there are possible closing costs: settlement fees lender fees, underwriting fees, transfer taxes, recordation charges, title insurance and credit report, just to name a few.
It is also important to understand that after a refinance, the loan balance is going to increase, because the homeowner is borrowing enough to pay off the loan, and all of the late fees, and attorneys' fee that come along with a foreclosure, in addition to the aforementioned possible costs. Add to the fact that more than likely the homeowner's credit score is much worse now (due to late payments) than when his or her loan originated. Therefore, in the new refinanced loan the homeowner is going to be paying an increased interest rate on a larger loan amount.
"There are some instances where homeowners refinance into a new, bigger payment, and they can handle it. Most of those instances are usually based on short-term job loss, or perhaps a medical emergency that had to be paid for. Unfortunately, we meet with many clients who want to refinance, but are not realistic about the new payment that they will be saddled with. This is always an important consideration when refinancing," said Justin Lee, CEO of SaveMeFromForeclosure.com, LLC and owner of http://www.savemefromforeclosure.com/.
The most important last step a homeowner should take in considering refinancing to stop foreclosure, is to make sure he or she carefully reads all the paperwork before the closing! Don't get to the closing table and find out there is a pre-payment penalty and additional closing costs that weren't anticipated.
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Filed under News by on Sep 2nd, 2010. Comment.
Costa Del Sol Property – Good News For Investors
For quality bargain properties please click here.
It seems that when property buyers from all accross Northern Europe choose to buy a property in Spain, almost a quarter of them used to decide to buy in the Autonomous Region of Valencia.
But that seems to have changed recently as foreigners are leaving the Valencian market in droves, according to a recent article on Levante-emv.com. The article shows that new figures from the Valencian College of Notaries (a service one must use to transfer deeds) home sales to non-residents plummeted by 44% in 2009, whilst sales by foreigners leaving the Valencian region accended by 45%. To surmise; last year there 4,291 foreign vendors, compared to 2,939 the year before and 5,631 foreign buyers compared to 10,040 the year before.
Remember that there are a lot of properties on the market that may not have sold so they wouldn't have entered in the College of Notaries figures. Spain as a whole dropped 21% last year. This obviously affects the Valencian region more than any other and could in part be due to bad press concerning Valencian property laws where they can appropriate ones property or part of one's property to build urbanisations or multi-dwellings. Understandable that people are reticent to invest.
This all bodes well for Marbella and Costa del Sol Properties where, although property sales have dropped in numbers, there is now a slow increase as foreign investors are purchasing bargain properties at hugely discounted rates.
We at PropertyPointMarbella think time to invest some money is now.
For more information on bargain properties please visit: http://www.propertypointmarbella.com
Property Point Marbella
PropertyPointMarbella
Calle Padre Francisco Echmendi 2 Bajo, Marbella, Malaga 29601
Tel: (+34) 951 254 144
Fax: (+34) 951 968 272
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Filed under News by on Sep 2nd, 2010. Comment.
(PRWEB) April 13, 2005
Jim Jenkins (VP of operations for SportHomes.com) said today, ÂSportHomes.com has proven to be the first website sports enthusiasts look to in seeking alternative lodging for a specific sporting event. Time and time again, SportHomes.com achieves more traffic per event than any other website.
For many years, SportHomes.com has been the worldwide leader of marketing home rental properties for major sporting events. Our results are second to none.
Guests visiting the Detroit area for SuperBowl XL are not limited to where they may stay. Many hotels are booked and the only alternative lodging may be our rental property. Property owners can profit by offering their homes for rent.Â
As a recognized leader in the sports lodging industry SportHomes.com takes great pride in delivering remarkable accommodations for thousands of prized sports fans every year.
A unique and loyal audience:
Males 67%
College graduate 73%
Married 68%
Professionals 77%
Average household income 175k
Own their home 89%
Own vacation property 64%
Own a business 76%
Vested in stock/bonds 87%
Belong to private club 72%
Have attended a sporting event in past 12 months 79%
Have attended concerts, live shows, etc in past 12 months 83%
Business travel 4 times per month 81%
Family vacation 2 times per year 77%
Participate in:
Golf 88%
Tennis 61%
Hunting/fishing 59%
Skiing 48%
Some sporting activity 92%
If you are considering renting your home for SuperBowl XL, we invite you to take advantage of our convenient professional services and discover why SportHomes.com is The Ultimate in Sports Lodging.
For additional information contact SportHomes.com Toll Free at 888.422.9977.
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Filed under News by on Sep 1st, 2010. Comment.
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