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MSN Money - Real estate investing MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Investing Home Portfolio Markets Stocks Funds ETFs Commentary Brokers CNBC TV MSN Money Insight Jubak's Journal SuperModels Start Investing Strategy Lab Company Focus Mutual Funds Street Patrol Other Views Contrarian Chronicles TheStreet.com Resources Commentary Index Decision Centers Start Investing Mutual Funds Find Hot Stocks Simple Strategies Power Tools Investing For Income Real Estate Related Links Expert Picks Market Dispatches CNBC Stock Picks Message Boards Decision Center Real estate investing Capitalizing on great opportunities in real estate Top Story When you -- and the IRS -- flip a condo It's the flipper's dream. You buy a condo, put in lots of hard work and sell it for a big profit. If you're not careful, though, most of the gain could go to your Uncle Sam. Featured tool Portfolio Manager Follow your investments on MSN Money Other tools Top performers Best funds for real estate and other categories Find an adviser Financial help is only a few clicks away Research Wizard Scope out performance of individual REITs Also on MSN Shop for personal finance resources Find books, software and more at MSN Shopping The Basics Do you have what it takes to be a landlord? Ground your retirement fund with real estate How to find good investment property The real risks of investing in real estate More on MSN Money The safest ways to buy foreclosures Real estate clubs ride the housing boom 3 ways you can go broke in real estate More on this topic... Question & Answers What are income properties? What is an equity REIT? What is the gross rent multiplier? What are limited partnerships? Special offers Download Microsoft Money Trial 2005 Free auto insurance quotes Find the right home equity loan advertisement Community Share portfolio resources and investment strategies on Start Investing message board advertisement MSN Money Search MSN Money | Message Boards | Site Status | Site Map © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help

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EAC Real Estate Innovations - NSW Property for Sale, Rent and Lease - Red Square Home For Sale For Rent Open For Inspection Auctions Recent Sales Find An Agent Email Alert Realtor Magazines Personal Agent Homes | Units & Townhouses | Land | Rural | Commercial | Development Sites | New Listings | Virtual Tours | View my Tour Property highlights for 2005 Solid fences offer best protection Check out your house Kool House! Resources > Buying > Selling > Investing > Consumer Information > Auction Results > Home Loan Centre Services Directory -- Explore EAC > About EAC > Find an Agent > Red Square > Realtor Online > Multilist > Contact EAC Buy Rent List up to 5, seperated by a comma Search surrounding suburbs Property Type House Unit/Villa/Townhouse Residential Land Rural Commercial Bedrooms 1 or more 2 or more 3 or more 4 or more 5 or more 6 or more $ 100 k < $ 150 k $ 200 k $ 250 k $ 300 k $ 350 k $ 400 k $ 450 k $ 500 k $ 550 k $ 600 k $ 650 k $ 700 k $ 750 k $ 800 k $ 850 k $ 900 k $ 950 k $ 1.0 M $ 1.5 M $ 2.0 M $ 3.0 M $ 4.0 M $ 5.0 M $ 150 k $ 200 k $ 250 k $ 300 k $ 350 k $ 400 k $ 450 k $ 500 k $ 550 k $ 600 k $ 650 k $ 700 k $ 750 k $ 800 k $ 850 k $ 900 k $ 950 k $ 1.0 M $ 1.5 M $ 2.0 M $ 3.0 M $ 4.0 M $ 5.0 M $ 5.0 M > Search Quick Search Enter Listing Number Email Alert Services > Red Square > Property Data > Street Maps > Pocket Agent > Web Services > Stationery > Printing > Training Red Square User ID Password | Advertise with us | Feedback | Legal | Privacy EAC Real Estate Innovations is the largest independent Real Estate group in NSW. We have Property for Sale, Rent and Lease in NSW. Real Estate Sydney, Real Estate Wollongong, Real Estate South Coast, Real Estate Central Coast, Real Estate Newcastle, Real Estate The Hunter, Real Estate Port Stephens, Real Estate Forster, Real Estate Coffs Harbour, Toormina, Sawtell, Real Estate Far North Coast, Real Estate Ballina, Real Estate Lismore, Real Estate North West NSW and Real Estate Western NSW. Red Square Software powered by eNeighborhoods WyldFyre. Property Data, Sales Results, Sales Data, Auction Results and Real Estate Statistics with Street Maps. Electronic Real Estate Forms. Pocket Agent for the Pocket PC

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RE/MAX | residential and commercial real estate Residential Home Page Property Search Luxury Home Search Find an Agent Find an Office Real Estate 101 Mortgage Tools Moving Assistance Commercial Home Page Commercial Property Search Find a Commercial Agent Find a Commercial Office Commercial Wants Why RE/MAX Commercial Inside RE/MAX Home Franchise Opportunities Become an Agent News & Events Corporate Relocation Corporate Information Welcome to RE/MAX , home of real estate's most experienced and professional agents. Nobody in the world sells more real estate than RE/MAX. "Everybody Wins" A new book gives homebuyers and home sellers their first in-depth look at the world's most successful real estate network. "Everybody Wins: The Story and Lessons Behind RE/MAX" is an independent view of the history, culture and leadership of the organization that revolutionized the real estate industry. MORE Children's Miracle Network Susan G. Komen Foundation RE/MAX Worldwide Select your Country United States Canada Antigua / Barbuda Anguilla Argentina Aruba Australia Austria Bahamas Bahrain Belgium Belize Bonaire Botswana Bulgaria Caribbean Cayman Islands Central America Chile Croatia Costa Rica Cyprus Czech Republic Denmark Dominican Republic Estonia Europe Germany Central Germany East Germany North/West Germany Southwest Germany Bayern Greece Guam Guatemala Honduras Iceland Ireland Israel Italy Jamaica Kuwait Latvia Lebanon Lithuania Luxembourg Mauritius Malta Mexico Namibia Netherlands Nevis New Zealand Nicaragua Norway Oman Panama Portugal Puerto Rico Qatar Saudi Arabia Scotland Singapore Slovakia Southern Africa Spain St. Barth St. Croix St. John St. Maarten/St. Martin St. Thomas Sweden Switzerland Turkey Turks & Caicos United Arab Emirates UK Midlands UK London UK North UK South U.S. Virgin Islands Venezuela Wales Zambia remax.com en español RE/MAX Mainstreet | Help | Terms of Use | Privacy Policy | Contact RE/MAX © 2005 RE/MAX International, Inc. All Rights Reserved. The RE/MAX franchise network is a global real estate system of franchisee owned and operated offices and their affiliated independent professionals. RE/MAX affiliates lead the industry in professional designations, experience and production. RE/MAX International is an Equal Opportunity Employer and supports the Fair Housing Act. Please select from the menu above

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The Peoples Guide to Mexico: Real Estate in Ajijic and Lake Chapala, Mexico People's Guide Homepage • Copper Canyon • Live & Retire • Carl's Notebooks • Letters • Favorite Books • Visit our Sponsors • Table of Contents • The Best of Mexico: Favorite Places Live & Retire in Mexico Lake Chapala area Buying Property in the Lake Chapala Area by Tony Harries & Teresa A. Kendrick In the last decade or so, it is estimated that more than 10,000 foreigners have purchased property on the Northshore of Lake Chapala. Long prized as a weekend retreat by wealthy Guadalajarans, the villages from Lake Chapala to Jocotepec now boast an expatriate community said to be the largest in the world. Ajijic has become the prime location for foreigners because of its infrastructure of services, such as internet access, and the existence of the Lake Chapala Society, an English-speaking resource center for newcomers and residents. The Real Estate Climate on the Northshore At present, the Northshore has 20 real estate agencies. Their level of competency and expertise vary. In Mexico, the real estate industry is not regulated by the government. It is self-regulated. Two associations are responsible for training agents and policing the ethics of the agencies: AMPI (Asociacion Mexicana de Profesionales Inmobiliarios) is the national organization (with a lakeside chapter) and Gil (Grupo Inmobiliario del Lago) is the local organization. Many offices belong to one or the other, and some belong to both. They provide multiple-listing services that allow agents to show properties listed by other agencies, an advantage for both buyer and seller. The most professional agencies also provide their own in-house training for new agents. Several agencies have websites that will allow you to get a feel for the company, the houses that are available and the prices of property and land. The websites allow you to interact with the agency via email, and, if the site is good, will offer background information and answers to frequently asked questions. It can also provide you with the name of an agent. Choosing an Agent Good agents tend to work for well-run organizations. When walking into the office for the first time, take a look around. Does it look professionally managed? Are key personnel bilingual? Are listings photographed, detailed and organized so you can spend time reviewing available properties and evaluating how much your money will buy? Talk with several agents to find one you feel is knowledgeable, experienced, available, compatible, and upfront. Professional, reliable agents provide service before, during, and after a sale. If a problem or error arise, your agent should work hard to correct it. After your initial meeting, ask around about the reputations of various agencies and agents, but be aware that while gathering information, it is very likely you will also gather misinformation. One person can easily contradict another; this is human nature and common in a small communities. Being a Good Client/Firing an Agent Agent- and agency-hopping is an ethical no-no, but after viewing several properties reevaluate your agent. If you feel that the agent is not listening to you, tell him or her; they will appreciate you restating your requirements. Often clients are confused about what they want, or unrealistic about what their money can buy. Be clear about what you want. Buying a house is an emotional process, so be prepared to experience some unusual feelings and reactions and understand that an agent has the dual job of steering you through the process of buying property in another country and your own learning curve. If you are unable to work with your agent, graciously fire that agent and find another. You might use a simple, “Thank you for your time and efforts. We feel we wish to expand our search and thought we might consult with another agency. If we feel you can be of further service, we will get back to you.” Remember, the agent you are releasing is a member of the community in which you will live and diplomacy will save some feelings down the line. How to be a good Client If your first visit to the area is an exploratory excursion, tell your agent. He or she will guide you as you gather preliminary information. If you are not in a position to buy at the time, limit the time you spend with the agent as he or she has other clients to serve. If you have funds available to buy property, the agent will intensify the search for a suitable property and guide you through the process. Be clear about how much you can spend and when you plan to resettle. Remember agents often work for months without reimbursement for their out of pocket expenses. The Nitty Gritty At this time, prices for houses on the Northshore run anywhere from $22,000 US to 1.35 million US. The average home with the amenities sought by North American buyers are in the $100,000 US range. Location, as everywhere, is one of the most determining factors for setting the price. The further out from services you go, the lower prices will be. View, construction type, size and amenities determine the rest. Clients can choose from gated communities which offer security (a plus for residents who spend 6 months in Mexico and 6 months elsewhere), large country estates, and village living. Village homes are connected to one another by common exterior, and, occasionally, interior walls and allow residents to live within walking distance of most services and activities. Do not let any agent sell you ejido land. No matter what future promises anyone may make, you will not get a legal title. This is land set aside by the government for the indigenous people of Mexico and cannot be sold to foreigners. Also, there are a few places on the Northshore known for their instability due to soft soil or geothermal faults, and some places have water supply problems. Informed, wise agents will steer you away from these trouble spots. The Buying Process Purchasing a home or lot on the Northshore is primarily a cash transaction, but occasionally short-term owner financing is available. When you make an offer to the seller you must present a check for 10% of the value of the house. A photocopy is made of this “earnest money” and the check itself is placed in the agency safe. Once negotiations are completed under the supervision of the respective buying and selling real estate agents, and both parties have signed a purchase agreement, the check is deposited into the escrow account of the selling agency. The check is later applied to the balance of the purchase price at the notary public’s office. (Note: The actual sale price of a property is not a matter of public record in Mexico, nor is it registered with the government. It is unethical for an agent to tell you the sale price of a property. He or she can tell you what the property was listed for, but not what was paid.) The Closing Closings take place in the office of a Notario Publico, or notary public. These are lawyers of very high standing who, after 5 years of legal practice, apply to the government for notario status and must undergo strict scrutiny to be awarded the title. With it comes many responsibilities and important legal functions. One of these is to preside over and ensure the legality of property transfer. The notary authenticates the seller’s right to sell the property, scrutinizes the history of the property for any irregularities, and makes sure the deed is clear and free of liens through appropriate government offices. Since the buyer pays for the closing costs and notary’s fees, it is his or her privilege to select the notary. The notary can advise the buyer which type of deed meets his needs: direct deed or bank trust deed. The notary will file with the Mexican government the application for the transfer of the deed from seller to buyer. His official signature on all documents finalizes the purchase and makes it a legal transaction under Mexican law. From purchasing to closing the norm is 30 to 60 days, but motivated parties can complete the process within 15 days. Differences in Home Construction There is no slab-frame construction in this part of Mexico. A home here is usually of concrete, glass, stone, brick, iron and rebar construction. Wood is expensive and used little except for design affect. Each wall is load-bearing and has its own foundation. Many houses have exterior walls and decorative metal work to ensure privacy and security. There are "aljibes" (cisterns) for water storage and in some of the newer homes, water purification and pressure systems are built-in. You will also find tanks for storing propane used for cooking and heating water as there is no infrastructure to supply natural gas. You will notice a lack of central heating and air conditioning, as it’s not essential. A fireplace on a cool evening or morning is charming and does the trick. There are no building codes so a good agent will provide you with information about levels of construction quality and what might be buried within the walls. Developers The north shore of Lake Chapala has recently seen a rise in new, speculative construction meant to appeal to buyers from the North. Much of this work is being done by young, Mexican architects from monied Guadalajara families with varying degrees of experience and dependability. There are also projects being developed by American, Canadian and European companies. Remodeling Many buyers purchase a home with the intent of upgrading and remodeling the existing structure. Craftsmen, laborers, architects and artisans abound in the area. If you are in the market for such services, perhaps your agent can help direct you to a general contractor who has a good reputation. Be sure to get a signed, witnessed contract stipulating prices and the quality of work and materials to be used. If language is a problem, get a translator to help you. Several translators are listed in the Lake Chapala Society directory, a members-only book that can be loaned to you by your agent. If, during the remodeling, you feel you have been financially abused, the government has an agency with an office in Chapala called PROFECO which helps consumers receive satisfaction. The pace of work is probably not what you are used to, but in Mexico, patience is required as distribution of materials, cultural standards, and community -- and family-based events interrupt building schedules. Real Estate Agencies/Developers/Internet Websites In Ajijic: Abode Realty: Adj Corporation Ajijic Developments: http://www.ajijicdevs.com Ajijic Real Estate, http://www.ajijic.com ; email: ajijic@infosel.net.mx Ambience Fine Home Builders: http://www.ambiance.com.mx America Mexico Builders Camille’s Realty/Coldwell Banker Chapala Realty: http://www.chapala.com Continental Realty Chula Vista Norte Eager & Asociados: http://www.mexconnect.com/MEX/ea/ea.html Laguna Real Estate: http://www.mexconnect.com/amex/lgna/ Marnher Group RE/Max Ajijic: http://www.desconresorts.com In Chapala: Coldwell Banker/Chapala Realty (Chapala Office), http://www.chapala.com Sierra Vista: In Chula Vista: Century 21 Vistas: http://www.lagunanet.net.mx/c21vistas In Jocotepec: Semprex Realty In Riberas del Pilar: Sunset Realty: http://www.sunsetrealty.com.mx In San Antonio Tlayacapán: Re/Max Fenix About the authors: Tony Harries is a real estate agent who has been working in the Lake Chapala area since June 1997. He is an award-winning school teacher from Texas who retired after 31 years of service. Proficient in Spanish, he has developed a deep appreciation of Mexico following several decades of travel in Mexico before his retirement. He has helped clients from all over the world buy property in the area and this year became a top producing agent for one of the area’s leading agencies. His email is tonyharr@prodigy.net.mx Teresa Kendrick is the author of the recently published book “Mexico’s lake Chapala and Ajijic: The Insiders Guide to the Northshore for International Travelers” Highly detailed and up-to-date, the 208 page book boasts 143 color photographs, a well-organized table of contents and index, and information about nearly everything available on the Northshore of Lake Chapala for travelers and newcomers. The book is available with a full-color map of the Northshore for $26 US plus shipping and handling. The book will be available to purchase locally by calling 76-6-3163 or by ordering from her website: http://www.chapalaguide.com Teresa's email is ajijic@chapalaguide.com . Top of Page Homepage Table of Contents Site Map Write to us, Carl & Lorena http://www.peoplesguide.com ©1972-2001 by Carl Franz & Lorena Havens Copper Canyon • Live & Retire • Table of Contents • Book Reviews • Letters

REAL ESTATE BROKER PAGE

NYS DOS, Division of Licensing Services, Real Estate Broker Menu Department of State Dos Homepage | Corporations | Licensing | Local Government | Fire Prevention & Control | Commissions REAL ESTATE BROKER PAGE [ Acrobat PDF File Download Information ] Typeable PDF Form Information ] -- FORM DOWNLOAD INSTRUCTIONS: To ensure accurate printing from within Acrobat Reader, please uncheck the "scale to page" or "shrink oversized pages to paper size" settings on the Print Dialog box. What's New? Effective July 1, 2005 , the Division of Licensing Services replaced the real estate salesperson and broker walk-in examination system with an online reservation examination scheduling system for our Albany, New York City, Franklin Square, Hauppauge and Newburgh exam centers. To schedule an examination or for more information, please clickhere . IMPORTANT ADVISORY: Section 442 of the Real Property Law previously prohibited a real estate broker from paying any part of a commission to an unlicensed person, firm, corporation or LLC if the payment was intended as compensation for a service that would require a real estate license. Accordingly, the amendment of August 10, 2004 , permits a real estate broker to pay the commission earned by a licensed associate broker or salesperson to an unlicensed corporation or unlicensed LLC , if each of the shareholders of the corporation or each member of the LLC, is an individual who is licensed and properly associated with the real estate broker as a licensed associate broker or salesperson. This amendment does not entitle the associate real estate broker or real estate salesperson to be licensed or to advertise in the name of the corporation or LLC, nor will the records maintained by Department of State, Division of Licensing, reflect the name of the corporation or LLC. A licensee may NOT use the name of the corporation or LLC on business cards. LICENSING FORMS/GENERAL INFORMATION SCHOOL INFORMATION Albany, Franklin Square, Hauppauge, New York City and Newburgh Exam Information and Schedule (online) January-March 2006 Exam Information and Schedule Real Estate Qualifying Course Approval Application - 9/04 Download (153KB PDF Form) (2 pages) Binghamton, Buffalo, Plattsburgh, Rochester, Syracuse, Utica and Watertown Exam Information and Schedule (Walk in) January-March 2006 Exam Information and Schedule Real Estate Qualifying Course Approval Renewal Application - 9/04 Download (128KB PDF Form) (1 page) Real Estate License Law - 10/04 (Real Property Law, Art. 12-A, plus Related Statutes and Laws) Download (186KB PDF File) (63 pages) -- Real Estate Continuing Education Course Approval Application - 4/05 Download (18KB PDF Form) (2 pages) License Application and Instructions - 5/05 Download (21KB PDF Form) (7 pages) Real Estate Continuing Education Course Approval Renewal Application - 4/05 Download (12KB PDF Form) (1 page) Real Estate Branch Office Application and Instructions - 11/02 Download (7.15KB PDF Form) (1 page) Real Estate Instructor Application - 4/05 Download (32KB PDF Form) (2 pages) Credit Card Authorization Form - 1/04 Download (112KB PDF Form) (1 page) Fax and phone numbers for obtaining an application Technical Real Estate Instructor Application - 4/05 Download (12KB PDF Form) (2 pages) Additional Forms: (These forms are not suitable for reproduction on the Internet. See Ordering information ) Broker Change of Address Salesperson/Associate Broker Change of Association Salesperson/Associate Broker Termination of Association Uniform Irrevocable Consent and Designation/Foreign Corporation Uniform Irrevocable Consent and Designation/Individual and Partnership Reciprocity FAQ for Applicants for Real Estate Broker/Salesperson Licensure About the DOS Return to DOS Home Page DOS Accessibility Statement DOS Privacy Statement