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Advice for buying and reselling for a profit. - Oct. 14, 2004 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places The art of the flip A new reality television show will follow real estate speculators as they buy, fix and "flip." October 14, 2004: 2:24 PM EDT By Sarah Max, CNN/Money senior writer SALEM, Ore. (CNN/Money) It's one thing to buy a house to call home. It's quite another to buy property with the sole purpose of turning around and reselling for a profit. It's called flipping, and in the coming months, a dozen aspiring real estate investors experience this firsthand -- on camera, no less -- as they attempt to buy, remodel and sell property within a period of six months. Flipping is the subject of an upcoming reality television series with the working title "Property Ladder," scheduled to appear on The Learning Channel in May 2005. "Everyone you talk to seems to know someone who has tried to flip property," said Char Serwa, the show's executive producer. In California, where most of show's subjects are buying, 2.6 percent of all houses sold during the month of May were owned for less than six months, according to DataQuick Information Systems, up from 1.9 percent the previous year. There are several varieties of flipping, said William Bronchick, author of "Flipping Properties." One is rehabbing, which is the focus of the show. Other flippers buy property that's in foreclosure or under construction and try to resell the property to other investors. "We're not advocating that people do this," added Serwa, explaining that each homeowner's story will be told in an individual episode, detailing the experience from purchase to sale. "This is truly an observational documentary," she said. "It's real life." Indeed, the homeowners featured on the show are not only footing the bill for the property and the cost of renovations, they're managing the projects on their own. Unlike other TLC makeover shows, seasoned carpenters and designers won't be pitching in to help. QUICK VOTE Have you ever bought real estate solely as an investment, and not to have a place to live? Yes No View results What the show's subjects do get is advice from host Kirsten Kemp, an actress, real estate agent and seasoned property investor. Whether the homeowners actually take that advice is another story. Viewers, meanwhile, may likely learn a few lessons as well, namely that buying, remodeling and selling property is hard work particularly when done in a matter of months. "A lot of things can go wrong," said Kemp. It's also financially risky. A slowdown in real estate means little to a homeowner settled in for several years, but it can be devastating if you're banking on selling for a quick profit. Buy it, fix it and sell it. Kristen Kemp, host of TLC's 'Property Ladder,' shares tips on flipping properties. Play video (Real or Windows Media) Factor in the transaction and renovation costs and there may be little profit at all. Any profit you do make, mind you, will be taxed at ordinary income if you sell in less than a year, noted Ron Phipps, of Phipps Realty in Warwick, RI. In seven years, Kemp flipped 40 properties, not always successfully. "I made money about 70 percent of the time, and 30 percent of the time I broke even or lost money." Here's a sneak preview of some of the lessons Kemp hopes to bring home. Leave your emotions at the front door When shopping for investment property, you want to find a house that tugs at you emotionally, said Kemp. If a house rouses your emotions, chances are it will do the same for future buyers will as well. When it's time to make an offer, however, your emotions cannot get the best of you. "You make money flipping in part by buying low," she said. "The people who say 'I just have to have this house' are the ones who overpay.'" Don't overdo it when renovating See the average cost for 15 common projects and how much they can add to the value of your home. Type of project: Bathroom Remodel - Mid-Range Bathroom Remodel - Upscale Bathroom Addition - Mid-Range Bathroom Addition - Upscale Maj. Kitch. Remod. - Mid-Range Maj. Kitch. Remod. - Upscale Master Suite - Mid-Range Master Suite - Upscale Family Room - Mid-Range Deck - Mid-Range Basement Remodel - Mid-Range Siding Replacement - Mid-Range Window Replacement - Mid-Range Window Replacement - Upscale Attic Bedroom - Mid-Range Average job cost (2003 Natl Avg): $ What will you get back? % Cost recovered % Value at sale $ Get your local results from Remodeling Online's 2003 Cost vs. Value Report "This is not the time to create your dream house," said Kemp. "You don't want to fix the property to a level that is not necessary." This is a dilemma many first-time flippers struggle with. On the one hand, they want to do a good job on the renovation. On the other hand, they don't want to put money in expensive light fixtures or elaborate built-ins if they aren't going to recoup the time or money they spent. That said, you don't want to cover up serious problems with a new coat of paint or a well-placed picture. "You want to attack anything thing that would be a red flag at closing," said Kemp. DIY when it makes sense The more work you can do yourself, the more money you'll make on the flip, said Kemp. Still, even do-it-yourselfers need help sometimes. Develop a list of reliable contractors, plumbers, electricians, drywallers and other experts to call on. Kemp, for one, says she has her own contractor to thank for getting her through many projects. While you're at it, find a good real estate agent, she said. "They can help you understand what is selling and what's not," she said. "They'll do a good job because if they do, they know you are going to list the property with them when you're ready to sell." Price the property to sell You give your blood, sweat and tears to a house, but it's no excuse to overprice it. "I encourage people not to get greedy," Kemp said. In fact, she recommends pricing property a little under market value. "Every day your house is on the market you're losing money." What if "Property Ladder" homes don't sell in time for prime time? That's just part of the story. And in real estate, sometimes that's the reality. --* Disclaimer Try an issue of MONEY magazine - FREE! More on REAL ESTATE • How to buy and build on rural land • Most overvalued housing markets • When booms go bust... TODAY'S TOP STORIES • Most overvalued housing markets • Risks to the economy in 2006 • Which was the worst ad of all in 2005? CNN Money contact us | subscribe to Money magazine advertising -- | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business 2.0 | Time © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available.

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Mortgage Web site design & Real Estate agent website design, hosting and marketing. Mortgage Originators Over 1 Million online apps generated Over 5,000 mortgage originators choose Myers Leading clients generate over 50% of their business online Real Estate Agents & Offices Customizable, easy to use web sites Award winning lead generation tools Showcase your listings Products: :: Mortgage Originators :: Real Estate Agents & Offices :: Company: :: About Us :: Contact Us :: Employment :: Partners :: Why Choose Myers? Myers Internet has been a leader in mortgage website design since 1995. Myers pioneered mortgage web site design and is known for its mortgage banker websites, mortgage broker web sites and mortgage loan officer websites. A mortgage banker, mortgage broker or mortgage loan officer can get a Myers mortgage web site "off the shelf" or a mortgage website made to order. Mortgage bankers, mortgage brokers and mortgage loan officers can make their own changes to a Myers mortgage website, or hire a mortgage website design specialist to give their mortgage website design a unique look. A mortgage banker, mortgage broker or mortgage loan officer can choose from many mortgage web site design styles and mortgage websites products. Whether you're a mortgage banker, mortgage broker or mortgage loan officer, there is a mortgage web site design to suit your budget. What are some of the benefits you can expect with a Myers mortgage website? What are some of the benefits you can expect with a Myers mortgage website? A Myers mortgage website can take online mortgage applications 24/7. A Myers mortgage web site has mortgage calculators which other mortgage websites don't. Consumers visit Myers mortgage web sites to learn about the loan process. Potential borrowers use the mortgage web site to notify a mortgage broker about their desired mortgage interest rate. People go to a Myers website to see if they could benefit with a refinance mortgage A Myers mortgage website can help sell the mortgage broker or loan officer A Myers mortgage web site has important loan program information. A Myers mortgage website can help a consumer determine the mortgage loan they can afford. A mortgage broker or loan officer can display their interest rates on their Myers mortgage web sites A consumer can get confidential mortgage loan details at a Myers mortgage website. Consumers can enter the mortgage payment sweepstakes at a Myers mortgage web site. A mortgage broker or loan officer can create referral business at their mortgage website. Borrowers can get answers to frequently asked questions at a Myers mortgage web site. Consumers can find out about a bi-weekly mortgage at a Myers mortgage website. Myers is also a leader in real estate website design. Myers offers real estate agent web sites, real estate broker websites, REALTOR® websites and real estate office web sites. Real estate agents, real estate brokers and REALTORS® understand the importance of a real estate website which includes cutting edge real estate web site design. A real estate web site is a real estate agent's online real estate office. The benefits of a Myers real estate web site are numerous: A Myers real estate agent website, real estate broker web site, REALTOR® website, or real estate office website can all be personalized to suit the needs of the client. Our real estate web sites can include customized content. Custom web site content helps the real estate website be optimally indexed by search engines. A Myers real estate website can help convert visitors into prospects. The real estate agent website, real estate broker web site, REALTOR® website, and real estate office website all offer numerous lead-capturing tools. You can get a real estate agent website, real estate broker web site, REALTOR® website, or real estate office website which can display your and others' listings. You can get an advanced real estate website design which allows clients to save their property searches. A real estate agent website, real estate broker web site, REALTOR® website, or real estate office website can each have a Flash introduction. A good real estate web site design includes rich content. We have real estate website designs which come with over seventy-five pages of content featuring tips and information for home buyers and sellers. Myers real estate websites include practically everything a real estate agent or broker will ever need.

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Real Estate Investing Subscribe Book of Lists Sales Power Marketplace bizwomen Money Franchise Center HR Help Email Alerts Jobs Entrepreneur Classifieds Sales Leads Latest News Print Editions Contact Paid Advertisement Article Paid Advertisement Real Estate Investing Dolf de Roos is on a mission to show you how you can make ten timesmore money with real estate investing for yourself than creating wealthfor someone else. Dolf says that when it comes to being rich or poor,there are only two types of people: those who have wealth creationsystems, and those who work for those who have them. As Dolf has traveled the world, he"s shocked a lot of people when theydiscover that he studied 8 years to earn his Ph.D. and then turned downa job offer for $32,000. A week earlier, Dolf had closed on a realestate investing deal that put $35,000 in his bank account in one lumpsum. With the proper real estate marketing techniques, this couldhappen to you too. Dolf de Roos still continues to take regular people and he shows themexactly what to do to unleash their hidden wealth earning potentialwith real estate investing. He says that people need to quit givingaway their money to someone else in a regular 9-5 job. Learningeffective real estate marketing can really do wonders to someone"sincome. After Dolf"s first experience with real estate investing, he decided tothrow himself into real estate investing full-time. Things were notalways easy for him, but he had one challenge that was unique to him.When Dolf was seventeen, he looked about twelve. The first bank managerhe visited to seek a mortgage thought it was a joke, but he persevered.He wouldn"t give up when he knew that he could make a fortune in realestate investing. Having uncovered the common success factor of the wealthy along withhis first experience of making as much in a week with real estateinvesting as he could in one year working a 9 to 5 job with a boss,Dolf never turned back, and the rest is history. Since then, many manypeople have sought out Dolf"s help in their own real estate marketingventures and have found success. Find out what Dolf de Roos is allabout! Paid Advertisement Article Home | Subscribe | Book of Lists | Reprints | Email Alerts | Classifieds | Latest News | Print Editions | Services Sales Power | Money Center | Entrepreneur | HR Help Center Community | Search | RSS Feeds bizjournals | Contact Us | Site FAQ Our brands: Search Engine Optimization by Use of, or registration on, this site constitutes acceptance of our User Agreement Please read our Privacy Policy ©2004 American City Business Journals, Inc. and its licensors. All rights reserved. Contact us here . The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of bizjournals.

Buy house in the

The Tribune, Chandigarh, India - Business Monday , October 21, 2002, Chandigarh, India THE TRIBUNE SPECIALS 50 YEARS OF INDEPENDENCE TERCENTENARY CELEBRATIONS B U S I N E S S Y O U R M O N E Y A GUIDE TO PERSONAL FINANCE REAL ESTATE Buy house in the colony developed by a coloniser I t is a misconception that the group-housing concept to provide affordable housing accommodation to the public at no-profit no-loss basis has failed in this region. Marginal success to the scheme is mainly attributed to the faulty policies of the government. Tips for buyers A word of caution MARKET SCAN Low response to good results D uring this fortnight corporate results announced so far for the quarter ended September 2002 were good and encouraging but the market response was low and unencouraging. Local residents look at an Italian-made "Pagani Zonda C12S" car in Guangzhou, Guangdong province, on Saturday. The car will be displayed at an auto show which starts on October 22 in Guangzhou. The car has an approximate value of 4 million Hong Kong Dollars ($500,000). Reuters EARLIER STORIES Disinvestment programme has come to a halt: Shourie October 20, 2002 Wipro net profit inches up 2 pc October 19, 2002 Ranbaxy net profit rockets 79 pc October 18, 2002 Disinvestment of A-I, IA ruled out October 17, 2002 SBI and ICICI among top 100 Asian banks October 16, 2002 Cotton output falls October 15, 2002 Gold does not glitter any more October 14, 2002 Deadlines for polluting firms may be extended October 13, 2002 Hughes Soft clocks 32 pc growth in net October 12, 2002 CHECK-OUT Get expensive items insured before mailing S ending an expensive Divali gift to someone special through speed post? Well, here is a note of warning: if the gift gets lost or damaged during transit, all you are entitled to as compensation is twice the amount of money that you have paid towards speed post charges. PREPARING FOR RETIREMENT Sun Life provides umbrella R isks are an integral part of human life. Events that occur in our daily lives indicate time and again that we must prepare ourselves to deal with these risks in a well-planned manner. One of the important precautionary measures stems from an insurance cover. Aims at building wealth Value for money Retirement benefits Flexi Save Endowment Plan FIIs net buyers in equities Inflation falls REAL ESTATE Buy house in the colony developed by a coloniser R. P. Malhotra I t is a misconception that the group-housing concept to provide affordable housing accommodation to the public at no-profit no-loss basis has failed in this region. Marginal success to the scheme is mainly attributed to the faulty policies of the government. For want of a foolproof process to register only the genuinely deserving members (end consumers) in the housing societies, the most of the members of these societies happen to be the speculators who have invested in the schemes for resale. Even the planners have not taken pains to study the demand factor while planning these housing projects as majority of these flats are of HIG category which are out of reach of the low budget buyers falling in the Rs 5-10 lakh slab. In Chandigarh, too, in the series of amendments to the existing building byelaws recently notified by the administration nothing has been done to the stringent conditions applicable to the transfer of property falling under the low budget category keeping the housing board flats/houses, nor transferable properties allotted on concessional rates and group-housing societies flats still forbidden for resale. Tips for buyers For the buyers intending to have a plot/house in these colonies, it is suggested to opt for only approved colonies. As per provisions of the Punjab Apartment Act any land owner, who wish to sell his property in parts as a residential colony, shall have to get the scheme approved from the local authority i.e., Local town planning Office by giving sample provisions for roads, parks, sewerage and water supply. A set percentage of land up to 35 per cent shall have to be left for these public utility services under this act. A word of caution Apart from this certain unscrupulous developers also illegally sell the land on GFA basis without leaving the prescribed area of land for common utility services thus creating unhealthy and inhabitable conditions for the habitats later on. Whereas plots are available @ Rs 2200 to Rs 2500 per square yard on inner roads and Rs 2500/- to Rs 3000/- per square yard on wider roads in approved colonies as compared to corresponding rate of 500/- and 1800/- per square yard in unapproved colonies. In addition to the deteriorated quality of life in the unapproved /unauthorised colonies there is permanent risk of demolition in case of departmental action. For a better community life the intending purchasers are suggested to constitute small group housing societies having members (as small as a group of ten people even less) from their own working circle. By pooling funds they can bargain with the coloniser for a fixed number of plots in one go and by entrusting the project to a single contractor they can save themselves from the construction hassles besides saving money on wholesale purchases. Sanctioning of loan cases will also be an easy process and the things can be processed on a single table. The buyers interested in going for built up flats/houses are also suggested to form small groups. Besides having a competitive bargain they can ask the developer/builder for their particular requirement for a block of houses/flats. Besides all this the intending buyers are advised to enquire from the promoter of the colony about the arrangements made for the supply of drinking water, provision for sewerage outlet, electric supply, width of roads and size of parks before going for a bargain. While selecting for the location of colony, care should be taken not to go for a location just on the main road, near the railway line and near the sewerage drain to avoid noise and pollution. Preference should be given to a colony having close proximity to the main road a school and a dispensary. Before going for a builders house/flat one must thoroughly study the technical blue prints and brochures of the builder. It is most important to ascertain what the builder is going to offer you in turn of your money. Various fittings, fixtures, facilities and services listed in the brochure may not turn out to be value-added services/items later while taking over the possession of the unit. One must also get conversant about the deceptive terminologies, such as of carpet area, covered area, plinth area and super area, being normally used by the builders. For example carpet area i.e. exact usable area is about 35-40% less than the supper area. Major details such as quality of material to be used type of flooring, type of joinery and quality of timber to be used and kind and variety of paint polish etc must also be ascertained and taken into writing before going for to bargain. Proper and effective arrangements of future maintenance of the area such as is roads sewerage water supply electricity and other civic services of the colony after the same is handed over to the occupiers should also be ensured before striking a deaf. Usually such bargains are struck on self-financing basis i.e., the buyers pay the builder in installments as the construction of the project progress through various stages. It becomes the foremost duty of the buyer to visit and supervise the construction activity of the entire project at different stages so as to ensure proper quality and workmanship. Notwithstanding anything contained in the one-sided agreement to purchase, executed between the buyer and the builder, the buyer is protected under the consumer protection act. Still the purchasers are advised to have an expert opinion before signing any of such agreements. cr MARKET SCAN Low response to good results J.C. Anand D uring this fortnight corporate results announced so far for the quarter ended September 2002 were good and encouraging but the market response was low and unencouraging. According to an analysis made by Business Standard, so far 116 companies have announced their results which indicate a growth of 15.06 per cent in sales and 34.42 per cent rise in net profits. The growth profit margin of these 116 companies has increased from 17.03 per cent to 19.86 per cent during the quarter, yet the Sensex has moved only by 2.41 per cent (71 points) during this quarter. Infosys Technologys second quarter results were higher than the markets expectations. It reported 16.1 per cent rise in software revenue with a net profit higher by 12.01 per cent. EPS is estimated at Rs 141 Rs 144, almost the same as in the first quarter. The company expects to have good growth rate in revenues for the third quarter. HDFC announced a bonus issue of one equity share for every share held and reported 21 per cent rise in net profit for the send quarter. FIIs also increased their holdings in software stock comprising Infosys, Mestak, Digital, Global Profit. Ranbaxys third quarter net profit was higher by 79 per cent. A large part of its sales and profitability came from exports. Hero Honda also reported excellent results for this quarter. Jai Bharat Marutis second quarter results indicate that its net profit has gone up to Rs 65.60 lakhs as against Rs 18.42 lakh for the corresponding period last year. Another good news was the AV Birla Groups announcement to buy Larson & Tubros share at Rs 190 per share from the open market, even though the open offer price was much lower than the market expectation. It is unlikely that the Birla Group will be able to collect the share at this price to push up their stake in the company from 14.9 per cent to about 35 per cent as it had announced its intention at the time of the open up. The UTI and financial institutions are unlikely to accept this offer as it is far lower than the price at which Birla Group had purchased Larson and Tubro shares from Reliance. I am of the view that those investors who hold Larson and Tubro shares should not sell it in the market at the open offer rate for the very fact that Birla Group is interested in acquiring management control of this company pushes up the market rating of this share. Even otherwise, Larson & Tubro is Indias top engineering and cement company in the private sector and its construction business is doing extremely well with a lot of fresh orders from India as well as from foreign countries. Another good news is that the Index of Industrial Production (IIP) indicates a growth rate of 5.7 per cent in the general index, though the growth rate in manufacturing is at 5.9 per cent and in capital goods at 10 per cent. India has also recorded a surplus in its current account for the first time in 24 years. The market response to the good corporate results and other welcome news has only been tepid. This is partially due to the fact that the date traders are anxious to book profit at the earliest. It is also possible that the market does not expect equally good results from those companies which have yet to report their second quarter results. Perhaps the more basic reason is that the market is worried about the state of our economy. Apart from S&Ps rating about the national currency, the drought caused by erratic and deficient monsoon rains this year are bound to depress our GDP growth rate this year. According to CMIEs analysis drought conditions are expected to lower overall agriculture production by 7 per cent. As a result, the real GDP is expected to grow only by 3.1 per cent. According to CMIE the real GDP growth rate has never reached 5 per cent in a year of agriculture decline in the past 30 years. Any long term investment should be made with a time scale of at least 2 to 3 years and this investment should be made only in a weak market. co CHECK-OUT by Pushpa Girimaji Get expensive items insured before mailing S ending an expensive Divali gift to someone special through speed post? Well, here is a note of warning: if the gift gets lost or damaged during transit, all you are entitled to as compensation is twice the amount of money that you have paid towards speed post charges. Even here, the maximum that you can get is Rs 1000! And if you think that you can approach the consumer court for relief , forget it. You will get no help there too. Recently, the apex consumer court examined in detail the liability of the post office in case of delay or non-delivery of postal articles sent by speed post. Its verdict was that the consumer courts cannot go beyond the statutory provisions and grant compensation in excess of what is statutorily fixed. And in case of speed post, since Rule 66B of the Indian Post Office Rules says that in case of loss or damage , the compensation shall be double the amount of the composite speed post charges or Rs 1000, whichever is less, the consumer courts cannot grant compensation beyond this amount, the court said. (In case of delay in delivery, whatever may be the consequence of such delay, you are entitled to only a refund of the Speed Post charge). In its order of September 18, 2002, the National Consumer Disputes Redressal commission examined three different petitions all pertaining to Speed Post service.. In the first petition Head Post Master, Post Office Railway Road, Kurukshetra, Haryana vs Vijay Rattan Aggarwal, the complaint pertained to two bank drafts for the sum of Rs 5 lakh sent by Speed Post on January 18, 1995. The post office, which undertook to deliver it within 24 hours, did not do so, forcing the complainant to obtain duplicate bank drafts on March 7, 1995. Claiming loss of interest and loss in business plus harassment, the complainant sought damages from the post office. The District Consumer Disputes Redressal Forum awarded Rs 20,000 as compensation, besides interest of 18 per cent on the amount of Rs 5 lakh for one and a half months. When this was upheld by the State Consumer Disputes Redressal Commission, the post office filed a revision petition before the National Commission. In the second case, Union India vs Brahm Dev Upadhyay, the complainant, having passed the preliminary examination for Uttar Pradesh administrative service, sent by Speed Post the necessary papers required for the final examination. They were not delivered on time, as a result of which the complainant could not appear for the final examination. The District Forum awarded Rs 10,000 as damages . When the State Commission affirmed this order, the post office filed a revision petition. In the third case, Varun Garg vs Assistant Post Master, Post Office, the complainant sent an application form for admission to LLB course in Maharishi Dayanand University, Rohtak by speed post on May 19, 2000. The last date for submission of the application was May 22, but the application was received by the university after this date and was therefore not entertained. The District Forum before which Varun Garg filed a complaint said he was only entitled to a refund of Rs 20 paid towards speed post charges. This was upheld by the State Commission, upon which the complainant filed a revision petition before the apex consumer court. After examining the Indian Post Office Act and the Rules framed therein pertaining to Speed Post, the National Commission said there was no justification for grant of any compensation to the complainants. Said the Commission: Under the Consumer Protection Act, 1986, we cannot go beyond the statutory provisions and grant compensation more than what is statutorily fixed. A Consumer Forum is even bound by the terms of the contract howsoever oppressive these may be unless those terms are against public policy, illegal or void. In other words, consumers cannot get compensation commensurate with the loss suffered on account of delay in delivery or loss or damage to the article entrusted for delivery through Speed Post. So if you are sending expensive goods by Speed Post or through a private courier, get it insured. If you are sending important documents for which you cannot take an insurance policy, just keep your fingers crossed and hope that it reaches the addressee on time and in good condition. PREPARING FOR RETIREMENT Sun Life provides umbrella Naveen S. Garewal R isks are an integral part of human life. Events that occur in our daily lives indicate time and again that we must prepare ourselves to deal with these risks in a well-planned manner. One of the important precautionary measures stems from an insurance cover. A life cover cannot prevent any unfortunate happening, but at least it mitigates the financial loss arising out of an unfortunate happening. It provides strength to face the financial loss that may arise from the loss of a bread earner. Life Insurance addresses multiple needs such as protection against disabilities, preparing one to face the unexpected mishaps, besides providing a plan for a retired life. Aims at building wealth Birla Sun Life insurance, a recent entrant into the insurance sector aims at targeting the youth, providing them with a financial plan. The company says that it provides to the youth a right step to build wealth through a systematic process that offers economic security and provides what each of us craves for - peace of mind. Value for money The Birla Sun Life Insurance that offers five products boasts that its products offer investment options, market driven returns, guaranteed values, high surrender values no exit loads beyond five years, free look period, mix and match options, large protection cover, favourable premiums for female clients, tax benefits and automatic premium payment. Birla Sun Life also offers what it calls Riders. Riders are additional benefits that you may buy and add to your policy in a way that it customises the policy according to an individuals needs. These include the accidental death and dismemberment rider, term rider and critical illness rider. Retirement benefits What you get at retirement is directly proportional to what you save. The age when you start saving in an endowment plan can drastically alter the wealth you acquire at retirement. Take a simple case study where Mr. A, aged 30 years with an annual income of Rs 2 lakh (growing 15 per cent annually) started saving 15 per cent annually till retirement age of 60 years. Given a return of 12 per cent and an expected inflation of 6 per cent, he should have a retirement income of Rs 95,000 per month taking the inflation into count. But if he were to wait till age 40 before he started saving (from an income of Rs 3 lakh annual), he would get a pension of only Rs 24,000 per month. Flexi Save Endowment Plan The Flexi Save Plus Endowment Plan has been designed to offer insurance protection; while at the same time provide an opportunity for investment. Birla Sun Life aims at stressing the point that the premium paid over the years helps the savings to grow and thus helps meet expenses like childrens higher studies, their marriages, retirement funding etc The flexi save plus endowment plan is designed to accumulate the savings through regular premium payment for a fixed duration of time or in a single lump sum to realise the long-term goals and protect the family with insurance cover unique features of the Flexi Save Plus Endowment Plan include choice of duration plan, flexibility of premium payment, choice of investment options, automatic premium payment and access to your funds during the plan duration. The Flexi Save Plus Endowment Plan is available to all between age 1 to 65 years wherein the minimum face amount (Sum Assured) is Rs 50,000 for minors and Rs 75,000 for adults. The duration of the plan can be 10, 15, 20, 25, or 30 years as per the policy plan or as per maturity age of 60, 65,70 and 80 years. The premium-paying period varies from a single pay to 5,10, 15, 20 years with a paying option of premium payment frequency ranging from annually, semi-annually, quarterly or one-time payment. The policy offers a transparency in surrender values and lets you know the exact amount due in case of pre-mature plan termination. Also the policy tells you before hand the amount due on survival up to maturity, surrender value in the maturity year + the balance in additional holding account. Besides the amount due to nominee in event of death of the life insured is disclosed before hand. Riders on the policy that can be bought at an additional cost include accidental death and dismemberment, term and critical illness. The policy also offers a tax benefits under section 88 Sec 10 (10 D) of the Income Tax Act (To be concluded) FIIs net buyers in equities Mumbai, October 20 The foreign institutional investors (FIIs) were net buyers in equities at Rs 56.1 crore ($ 11.5 million) during the trading week ended October 18. The FIIs, however, for the third straight trading week of the month stayed away from the debt market and did not transact a single deal, according to data available with the SEBI here. As per SEBI information, mutual funds netted sales of Rs 165.63 crore in equities and were net buyers to the tune of Rs 394.07 crore in debt instruments. PTI bb Inflation falls New Delhi, October 20 Notwithstanding the domestic oil price hike, inflation declined by another 0.32 per cent to 3.02 per cent for the week ended October 5 even as vegetables became costlier. The hike in vegetable prices was to a great extent contained by fall in the price of foodgrains and fruits, leading to point-to-point Wholesale Price Index (WPI) dip for the third consecutive week from 3.34 per cent in the previous week and the index was 3.18 per cent a year ago. PTI | Punjab | Haryana | Jammu & Kashmir | Himachal Pradesh | Regional Briefs | Nation | Editorial | | Business | Sport | World | Mailbag | In Spotlight | Chandigarh Tribune | Ludhiana Tribune 50 years of Independence | Tercentenary Celebrations | | 122 Years of Trust | Calendar | Weather | Archive | Subscribe | Suggestion | E-mail |

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Breckenridge real estate, Frisco and Summit County, Colorado real estate, resort homes, condos, townhomes and land for sale - NUMBER1EXPERT(tm) Breckenridge, Frisco and Summit County real estate and homes, ski condos and townhomes for sale in Colorado - Susan Gunnin,REALTOR® - NUMBER1EXPERT™ Pop-Up Window" WIDTH="89" HEIGHT="21" All agents are NOT alike! Find out why I am a top real estate expert. Call me: 800-289-7005 Ext. 341 Request My Free Relocation Package! Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate! Find Out More > View All Offers > The Highest Level of Service Thank you for all you did for me. Frank B., Colorado Read Quote > View All Quotes > Compare three mortgages at one time. Download TripleCalc now. It's free. Find Out More > Download Now > Susan Gunnin is one of The Top Selling Real Estate Experts™ Find Out More > Welcome! Here You Can Find Great Information on Breckenridge, Frisco and Summit County, Colorado Real Estate Search Breckenridge MLS Search my Feature Listings Sign up for new Breckenridge listings, emailed to you daily! There's a good chance that you arrived at my web site because you've experienced Summit County personally and you now you want to learn more about the possibility of property ownership here. To get really current information, check out my new blog site. Maybe you're looking for that perfect second home, resort property, investment property, vacation home, ski condo or townhome, vacant land, rental property. One with mountain views, ski-in/ski-out, close to national forest, or fishing streams. If so, you can find it right here on my web site. You probably need local real estate information or you want to learn about the Breckenridge real estate market and why Summit County is such an incredible place to own property. I have over a decade of experience helping folks buy and sell real estate here. To make intelligent decisions, you need expert advice. No web site, large or small, can take the place of a top Realtor. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best property available within your price range. And together we will find your home. Buying and selling real estate is one of the biggest events in your life. As a top Breckenridge Realtor, I have the experience and track record you are looking for. Please let me help. - Susan Gunnin From time to time I will present exceptional opportunities in the space immediately below Lomax Estates A rare, ski-access building lot opportunity Adjacent to the Skyway Skiway Best priced ski lots on the market Easy access to Four O'Clock Run and the Snowflake Lift Private cul-de-sac Click on image for complete info About Summit County Located about 60 miles west of Denver on I-70 smack dab in the middle of Colorado's glorious Rocky Mountains, Summit County is in a valley surrounded on the east and south sides by the Continental Divide, and on the west side by Vail Pass. Entrance to Summit County from Denver is through the Eisenhower Tunnel, a mile and a half long tunnel through the Continental Divide some 11,500 feet above sea level. Read about this highest tunnel in the world. Hoosier Pass defines the southern edge of Summit county, about 10 miles south of Breckenridge. It, too, is a pass over the Continental Divide which is the watershed separating water flows to the Atlantic Ocean on the east side and the Pacific Ocean on the west side. Hoosier Pass, at 11,500 feet, forms the headwaters of the Blue River, which, when it flows out of Dillon Reservoir, is one of the most beautiful and pristine, Gold Medal trout fisheries in the country. Traveling along Interstate 70, the western edge of Summit County is Vail Pass, at about 10,600 feet. About 15 miles beyond Vail Pass is the city of Vail which hosts the most popular ski area in North America. Breckenridge is the county seat for Summit County, and home of one of the most popular ski areas in the country. There are three other ski areas -- Keystone, Copper Mountain and Arapahoe Basin in Summit County, and Vail Resort is about 25 miles west. Frisco , Dillon and Silverthorne are principal towns in Summit County and provide a variety of real estate opportunities which I would be happy to help you with. Peruse my web site and then contact me for that dream resort property. "A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Colorado Public, Private and Charter Schools : Compare them using these top-rated, comprehensive reports. Schools in Breckenridge, Frisco and Summit County Working With A Realtor What Is CRS, GRI? CRS, which stands for Certified Residential Specialist, is a designation that recognizes a high level of professional accomplishments in real estate experience and education. The Residential Sales Council grants the CRS designation only to the most outstanding sales associates in the residential sales field. Besides the completion of a rigorous course of study, the candidate must be able to demonstrate 75 successful transactions or average sales of $1 million per year of experience. Only 4% of all real estate agents are awarded the CRS designation. GRI stands for Graduate, REALTOR Institute. The REALTOR Institute offers a series of 90 hours of required and elective courses conducted by the local Board or Association of REALTORS. These courses cover all areas of real estate -- residential, investment, construction and mortgage. The GRI designation is a prerequisite of many specialized courses in the REALTOR organization. See All Tips In The "Working With A Realtor" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories > Q What is the highest altitude hotel in the world? A The Hotel Everest View sits at the record altitude of 3,962 feet above sea level, in the rarified atmosphere of Namche, Nepal, the village closest to the Mount Everest base camp. See More Real Estate Trivia > See the Nation's Top Rated: School Reports - Public, Private & Charter > Get My Latest Listings Before Anyone Else! As soon as I list another home for sale, I'll email you. You'll know first. Name: Email: Find Out More > Susan Gunnin RE/MAX Properties of the Summit 220 S. Main Street; P.O. Box 4600 Breckenridge, CO. 80424 Toll Free: 1-800-289-7005 Ext. 341 Local: 1-970-453-7000 Ext. 341 Denver Direct: 1-303-278-7000 Cell: 1-970-389-0182 Fax: 1-970-453-7364 Email: breck4sale@NUMBER1EXPERT.com Susan is a top producer specializing in the ski resort town of Breckenridge, as well as the surrounding area. Susan specializes in mountain homes, ski condos, investment properties and vacant land; she provides old-fashioned service with state-of-the-art technology to help you any way she can. With over ten years of experience with buying, selling, and developing real estate, Susan's clients have come to expect the best. Representing both buyers and sellers, and giving all clients an indepth consultation on all aspects of the the real estate transaction, Susan is your BEST choice in real estate. Call or email her today! www.breck4sale.com isbrought to you by Susan Gunnin NUMBER1EXPERT ™ in real estate,ski condos and townhomes for Breckenridge, Frisco and Summit County, Colorado Read My Privacy Guarantee , Terms of Service ,and Free & Without Obligation Pledge Colorado Real Estate Agents - Homes - NUMBER1EXPERT™ Listings Some real estate agents outsell others 10 to 1. NUMBER1EXPERTS average a staggering 73 properties sold per year. How good is YOUR real estate agent? © Best Image Marketing and/or its clients. All rights reserved. All information deemed reliable but not guaranteed. This site is a member of WebRing. To browse visit Here . JUMP TO: WELCOME | FIND HOMES | FOR BUYERS | FORSELLERS | LOCAL INFO | RESOURCES | ABOUTSUSAN GUNNIN WELCOME: Breckenridge Real Estate, Ski Condos and Townhomes Welcome: Return to welcome/home page ABOUT SUSANGUNNIN: Who Am I?: Who is Susan Gunnin of Breckenridge, Frisco and Summit County, Colorado? Susan's Family Photo Album: Photos of Susan's family My Professional Resume: Susan Gunnin's Breckenridge real estate career in home buying & selling in Colorado Testimonials: What Susan Gunnin's clients are saying about this top Realtors real estate marketing Quick Response Guarantee: Susan Gunnin guarantees a quick response to your email request for more Colorado home buying & property selling information Privacy Guarantee: Susan Gunnin guarantees this Breckenridge real estate web site will respect your privacy No Obligation Guarantee: Susan Gunnin's real estate help by email is free & without obligation for Breckenridge home owners in Colorado For Realtors: Let Susan Gunnin help you with your professional real estate broker and agent needs in the Breckenridge area About NUMBER1EXPERTS: NUMBER1EXPERTS are top real estate professionals, find out more Contact Information: How to contact Susan Gunnin, Breckenridge real estate agent FIND BRECKENRIDGEHOMES, ski condos and townhomes: Feature Homes: Homes, properties, & other real estate in Breckenridge and Colorado with virtual tours, photos, and more Search All Local Listings: Search all Breckenridge area MLS listings in Colorado from real estate brokers National Listings Databases: Homes for sale in national American USA web site listings databases of properties New Construction: New homes for sale, new construction and newly built properties and real estate subdivisions Unique & Luxury Homes: Home buyers, find luxury homes, real estate, beach front properties, mansions, & acreage/land for sale on these top national & international listings web sites International Properties: Find international homes for sale on these international/global real estate web sites from Canada, Europe, France, Germany, UK, Great Britain, Spain, Italy, Asia, Africa, and beyond Search ALL the Experts' Homes: Search the best local homes for sale from all the real estate experts, agents, Realtors, and brokers BRECKENRIDGEINFO: About Breckenridge: Moving to Breckenridge, Frisco and Summit County, Colorado? Get info here... Relocating?: Free real estate information & relocation package if you're relocating to Breckenridge, CO School Information: Breckenridge schools and the education system in Colorado: kindergarten, elementary, high schools, colleges & universities Local Maps & Links: Breckenridge maps & local/Colorado web site links for news & media, TV stations, radio stations, daily Breckenridge newspapers, transportation, airports & bus terminals, Colorado & local government, and more Local Weather: Weather in Breckenridge, Frisco and Summit County, Colorado: spring, summer, winter, and fall climate changes Breckenridge Photo Gallery: Tour Colorado in pictures REAL ESTATERESOURCES: Special Offers: Special offers for Breckenridge homeowners from Susan Gunnin, top Realtor Monthly Payments & Schedule: Monthly loan payments java mortgage calculator How Much Can You Afford?: Calculate how much home you can afford with this financial calculator Determine Tax Savings: Calculate how much your monthly Breckenridge, Frisco and Summit County, Colorado mortgage payments save you on your taxes because of loan interest Should You Rent or Buy?: Is it better to rent a home in Colorado or buy your own Breckenridge house, ranch, luxury property, condominium, acreage, or other real estate? Adjustable Rate Mortgages: Adjustable rate Breckenridge mortgages information and interest rate java calculator What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. 15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. What's Your Maximum Mortgage?: This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. Will Buying Points Save You Money?: This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Experts: Real estate, homes for sale, and other properties: links in Colorado, United States and Canada TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Colorado real estate Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more Direct Links: Direct real estate links to web sites mentioned in this Breckenridge, Frisco and Summit County, Colorado site Link Partners: Link Partners page for Breckenridge, Frisco and Summit County, Colorado Ask Anything: Ask Susan Gunnin anything real estate NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale Real Estate Tips: Susan Gunnin's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers Real Estate Trivia: Susan Gunnin's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Breckenridge property in Colorado, including legal terms definitions, and more FOR HOMEBUYERS: Why Buyers Choose Me: Why homebuyers in the Breckenridge area choose Susan Gunnin as their Realtor Second-Home Buyers: Are you relocating? Buying a second home? Susan Gunnin can help Latest Listings: Get Susan Gunnin's latest Breckenridge listings of homes for sale first! Find Your Perfect Home: Susan Gunnin will search for your ideal home and email you the newest Breckenridge MLS listings of properties First Time Homebuyers: Are you a first time homebuyer in Breckenridge, CO? As a top Realtor, Susan Gunnin can guide your home buying search Mortgage Prequalification: Pre-qualify for a mortgage or loan for your Breckenridge house or other real estate or property FOR HOMESELLERS: Why Sellers Choose Susan Gunnin: Why home sellers in Breckenridge choose Susan Gunnin Free Presentation: Free in-home listings presentation on marketing your Breckenridge, Frisco and Summit County, Colorado property Property Valuation: How much is your Breckenridge home worth? What Did That Home Sell For?: What did that Breckenridge, Frisco and Summit County, Colorado property or other real estate sell for? FSBO: Selling your Breckenridge real estate on your own? Return to Top > Breckenridge Real Estate, Ski Condos and Townhomes