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The Tribune, Chandigarh, India - Business NEWS AND VIEWS PUNJAB HARYANA JAMMU & KASHMIR HIMACHAL REGIONAL BRIEFS NATION OPINIONS MAILBAG BUSINESS SPORTS WORLD SPECIAL COVERAGE CHANDIGARH LUDHIANA DELHI THE TRIBUNE SPECIALS 50 YEARS OF INDEPENDENCE TERCENTENARY CELEBRATIONS B U S I N E S S A-I fleet expansion plan takes off as Boeing offers Rs 1,000 cr rebate New Delhi, December 24 The empowered Group of Ministers today approved flag carrier Air-Indiasplans to purchase 68 aircraft, after securing a Rs 1,000 crore discount on the deal value from US manufacturer Boeing. Istithmar stake in SpiceJet is $50m Stewardesses walk past the engine of an Air Deccan Airbus A-320 aircraft on the tarmac at Bangalore airport. Low-cost private carrier Air Deccan announced on Saturday, that it would buy 30 A320 aircraft from European consortium Airbus Industrie for $1.5 billion. AFP photo Apax to buy Tommy Hilfiger for $1.6 b New York, December 24 After several months of searching for a suitor, Tommy Hilfiger on Friday embraced the same private equity firm that two years ago helped buy out fellow US design icon Calvin Klein. EARLIER STORIES No decision on selling stake in PSUs December 24, 2005 New Year bonanza for RIL investors December 23, 2005 Kalam draws up roadmap for 10-12 pc GDP growth December 22, 2005 Govt to list large central PSUs December 21, 2005 Govt invites EoI for 8 pc stake in Maruti shares December 20, 2005 Raha terrific CEO, but ONGC faulty, Mani tells PM December 19, 2005 Govt may inject dose of health cess to boost economy December 18, 2005 Rs 9,245-cr package for rural coops okayed December 17, 2005 Tatas buy Thailands steel company December 16, 2005 Aiyar blows hot and cold on LPG, kerosene price hike December 15, 2005 Roche, Hetero ink deal London, December 24 Swiss pharmaceutical firm Roche has signed a deal Hyderabad-based Hetero Drugs authorising it to manufacture and sell its anti-viral flu medicine Tamiflu under licence in a number of developing countries. CBoP mulls acquisition Mumbai, December 24 The Centurion Bank of Punjab, the merged entity between the Centurion Bank and the Bank of Punjab, today said it is looking at further acquisition to increase its presence in the domestic market. INVESTOR GUIDANCE NRIs can buy house abroad and claim exemption in India Q: I have sold my house in India and earned some capital gains. Can I claim exemption u/s 54 by purchasing a house abroad? Aviation Notes Tourism to figure in Punjabi Parvasi Divas meet Aviation and tourism are among a few vital areas for development and expansion through non-resident Indians in Punjab in particular and country in general. Taiwanese models display a Toyota Motor Marathon Race concept car at the 2006 International Auto Show on Saturday in Taiwan. AP/PTI A-I fleet expansion plan takes off as Boeing offers Rs 1,000 cr rebate Tribune News Service & PTI New Delhi, December 24 The empowered Group of Ministers (eGoM) today approved flag carrier Air-Indias (A-I) plans to purchase 68 aircraft, after securing a Rs 1,000 crore discount on the deal value from US manufacturer Boeing. Besides the huge discount on the total price of around Rs 35,000 crore, Boeing has also offered to set up MRO (maintenance, repair, overhaul) and training facilities in India at a cost of around $205 million. The eGoM has also made Boeing agree to sourcing materials from India, equal to 30 per cent of the value of the aircraft, which works out approximately to Rs 8,500 crore. After a five-hour long meeting that eGoM and A-I officials held with Boeing representatives, Civil Aviation Minister Praful Patel told reporters that the documents would now be sent to Prime Minister Manmohan Singh for final approval. The eGoM, headed by Finance Minister P. Chidambaram, has Law Minister H.R. Bhardwaj and Programme Implementation Minister Oscar Fernandes and Patel as members. Patel had a few months ago informed Parliament that the deal would cost Rs 38,900 crore which was the price prevailing at that point of time. Official sources said A-I has converted its options to buy 16 aircraft into a firm order, taking the total number of firm orders to 50. It is also acquiring 18 more aircraft for its subsidiary Air-India Express. The fleet would comprise eight Boeing 777-200 (Long Range), 15 B777-300 (Extended Range) and 27 B787s, besides 18 Boeing 737-800s for Air-India Express. The AI Board has selected engines for all 68 aircraft from the CFM International, a 50:50 joint venture between Snecma of France and General Electric Aviation of the US. While the B777-200s and 777-300s would be fitted with GE90 engines, the B787s would have GEnx engines, totalling to about Rs 4,912 crore. The B737-800s of the AI Express would be fitted with CFM56 engines at a cost of around Rs 768 crore. The fleet acquisition proposals of Air-India and Air-India Express were cleared by the Public Investment Board on October 13. While the precise calculation of the monetary concessions was being worked out, an official statement gave a break-up of the $205 million investments promised in India by Boeing and GE. The money would be used for setting up four training simulators costing (up to $75 million), MRO for Boeing aircraft (up to $100 million) and training and other civil aviation requirements ($10 million), besides GEs investment in an engine shop ($20 million). Istithmar stake in SpiceJet is $50m Dubai: Istithmar PJSC, a UAE-based investment house focusing on private equity and alternative investments, has announced that it has raised its stake in low-cost Indian carrier SpiceJet to $50 million. It invested $12.5 million in SpiceJet earlier this year, and the present stake-rise was made through the carriers recent issue of Foreign Currency Convertible Bonds (FCCB). Istithmars investment in SpiceJet, its first in India, reflected the groups long-term plans in Indias burgeoning aviation industry, news reports said. Executive Chairman of Istithmar Sultan Ahmed Bin Sulayem, said his company is extremely bullish on low-cost carriers in India with the current spate of reforms and the gradual shift to a more open skies policy. UNI Apax to buy Tommy Hilfiger for $1.6 b New York, December 24 After several months of searching for a suitor, Tommy Hilfiger on Friday embraced the same private equity firm that two years ago helped buy out fellow US design icon Calvin Klein. Tommy Hilfiger Corp said it had accepted a $1.6 billion cash takeover bid from Apax Partners. Apax in 2003 teamed up with clothing vendor Phillips-Van Heusen Corp. to buy Calvin Klein, and PVH said it is in preliminary talks with Apax on how they could collaborate on a Tommy deal. This is an incredible brand, a great American iconic brand that we think we can continue to grow globally very significantly, John Megrue, Apax co-chief executive officer, said. John Orrico, fund manager of the Arbitrage Fund, a mutual fund that specialises in merger targets, said that in light of Tommys 49 per cent share rise this year, the price seemed fair. Theyre getting taken out in line with market expectations, Orrico said. Tommy Hilfiger, which maintains headquarters in Hong Kong and New York, has struggled with relatively flat sales for the past five years. J.P. Morgan Chase & Co. advised Tommy Hilfiger on the deal. Reuters Roche, Hetero ink deal London, December 24 Swiss pharmaceutical firm Roche has signed a deal Hyderabad-based Hetero Drugs authorising it to manufacture and sell its anti-viral flu medicine Tamiflu under licence in a number of developing countries. The deal makes Hetero the second drug company after Shanghai Pharmaceutical Group to receive a sub-licence that will allow it to sell large volumes of Tamiflu at a price that it chooses. It will also be the first time Roche has authorised a partner company to produce and sell Tamiflu not only in its home market but also in other less developed and developing countries. A Roche spokesman said the deal, which initially lasts for two years, will allow Hetero to sell Tamiflu at whatever price it chooses in India and countries where there is no or poor intellectual property protection for the drug. UNI CBoP mulls acquisition Mumbai, December 24 The Centurion Bank of Punjab, the merged entity between the Centurion Bank and the Bank of Punjab, today said it is looking at further acquisition to increase its presence in the domestic market. To fund the acquisition and other expansion plans, the bank would raise up to Rs 416 crore in the overseas or domestic markets. It would also increase its authorised capital to Rs 250 crore from Rs 150 crore by issuing additional 20 crore shares to three private equity investors. Acquisition is part of our strategy. We will grab the opportunity as and when it comes, Banks Chief Executive Officer Shailendra Bhandari told PTI from Goa where the banks board held an extraordinary general meeting. He said the acquisition would aim at increasing the banks presence in the country and would be carried out in such a manner that the branches do not overlap too much. Centurion Bank of Punjab has 240 branches, mainly concentrated in the North and South. It has reasonable presence in the West and limited presence in the East. Asked whether the bank would look at any bank in the East for acquisition, Bhandarai evaded any direct answer. PTI Investor guidance by A.N. Shanbhag NRIs can buy house abroad and claim exemption in India Q: I have sold my house in India and earned some capital gains. Can I claim exemption u/s 54 by purchasing a house abroad? Vinayak A: Sec. 54 and 54F give exemptions from tax on long-term capital gains arising out of sale (or transfer) of a long-term asset, provided the assessee has purchased within one year before or two years after the date of sale or has constructed within three years after that date, a residential house. Now comes the amusing part. An NRI (and in some special conditions, even residents) can buy a house abroad and claim the exemption legitimately. The legislation has not added the words in India! Yet another case for CBDT. 1-by-6 category Q: Is 1-by-6 category for filing returns applicable to NRIs? Bhoumik A: Notification 10674, dated August 20, 1998 has exempted NRIs from the 1-by-6 category. It has also exempted senior citizens having no business or professional income even if they possess an immovable property. Also foreign travel to certain countries like Bangladesh, Bhutan, Maldives, Nepal, Pakistan, Sri Lanka or pilgrimages to Saudi Arabia or to China organised by Ministry of External Affairs does not fall under the 1-by-6 category. Income from NSC Q: I have purchased NSCs, which mature after six years. My question is regarding taxation thereof. Do I have to pay the tax at the time of maturity when I receive the money? That would mean a heavy burden on me and may take me to the next tax bracket also. Is there any way out? Subhash A: The income from NSC is chargeable to tax on accrual basis. It accrues only at the end of each year. The year-end is computed from the date of purchase and is not related to the end of the financial year. However, if you have failed to do so in earlier years, you may pay the tax at the end of the term (on receipt basis) but you will lose all benefit of deductions on annual interests. Section 80C Q: I invested in the Tax Saving ELSS mutual fund scheme in the month of August/ September, 2005, opting for Systematic Investment Plan (SIP). I invested an amount of Rs 5,000 per month and would thus invest a sum of Rs.35,000 by March 31, 2006. I also intend to deposit an amount of Rs.70,000 in my existing PPF account before March 31, 2006. Can you kindly let me know: 1) Whether I will be eligible to get deduction of Rs.1 lakh from my taxable income u/s 80C for A.Y. 2006-07; 2) Whether the above mentioned investments, both in ELSS as well as PPF would qualify for EEE or EET method on withdrawal (ELSS investments will remain locked in for 3 years hence attracting long term capital gains upon withdrawal after three years and PPF account completes 15 years this year hence eligible for total withdrawal of balance and closure next year). 3) I have some earned interest on my investment in NSC in previous years and will pay LIC premium on my 12-year-old insurance policy and will continue to earn interest on existing NSC and pay premium on the insurance policy in future also. So what treatment would they get in subsequent assessment years EEE or EET? If I will need to claim deduction u/s 80C for the same. Sumeet A: Yes, you are entitled to claim the benefit u/s 80C for the FY 05-06 for both ELSS and PPF investments. EET has not yet become a law and it is strongly felt that if and when it is enacted, it will not be with retrospective effect. Therefore, at least for FY 05-06 the old EEE system will apply. The answer to this question is similar to point 2 above. For FY 05-06, it will be EEE and for subsequent years, it will depend upon when and in what manner the law is enacted. Demat charges Q: I read your article on Dividends - Look before you strip, was informative for layman . Sometimes the accountants who file our returns are not aware of all these lT rules (IT laws). I have a small doubt in stocks / equity shares, while considering capital gain/loss, can we factor in CDSL or demat charges ? What about STT? Vinod Argekar, Muscat A: The Continent Deferred Sales Load or CDSL is reduced by the MF from the repurchase NAV and the investor gets only the net proceeds in hand. Hence, it gets automatically factored in. STT cannot be claimed by an investor as a deduction. However, if you are a trader, you can set-off the STT against your tax on trading profits. Demat charges are of two types, one charge is for dematting the particular scrip whereas the other charge is the general holding charge. The first charge can be directly associated with the scrip and hence you can claim it. The other charge needs to be apportioned over the entire portfolio and hence is that much more difficult to claim. If it is significant then the apportionment exercise may be carried on. However, if it is minimal then the means wont justify the end. Trust this meets your requirements. The author may be contacted at wonderlandconsultants@yahoo.com Aviation Notes by K.R. Wadhwaney Tourism to figure in Punjabi Parvasi Divas meet Aviation and tourism are among a few vital areas for development and expansion through non-resident Indians (NRIs) in Punjab in particular and country in general. This all-important topic will be discussed threadbare at the two-day international convention, organised by the Punjabi Parvasi Divas at Chandigarh on January 14 and 15, 2006. Many renowned aviators and tourism personalities are expected to provide wide-range data for expeditious progress. Aviation analysts are of firm belief that speedy progress is possible only when infrastructure is developed at different airports. The fact of the matter is that many more planes are criss-crossing domestic skies than before but there is not even marginal development at airports, which are the gateways of the country. Existing climate is conductive as common people have realised that time saved is money saved. No wonder more persons are flying through no-frills airlines. Apart from Indian, which has been a key player for decades, five private carriers Spicejet, Air Deccan, Kingfisher, Sahara and Jet Airways have been flying high. While India continues to have major market share, these private operators have been offering razor-sharp competition to each other. In a free for all, more private operators are about to join as the new year unfolds. The analysts feel that the competition will become more combative which new promotions and schemes being floated by innovative players. Imagine, Air Deccan is even eyeing for flying on NE routes to capture the market. The fares are lower but we have no problem to make the most of it, said airline officials. This is however one version of the airline industry. The other is that there are more players in the vexed airline trade than there is room for. They predict at least 50 per cent will fold or merge with each other before 2006 closes. This observation is not improbable because airline trade is a rough industry. Recently, Kingfisher Airlines has introduced special fares for the Indian armed forces, government employees and public sector personnel. Analysts says it is surprising that no carrier is offering similar kind of facilities to mediapersons. Media is a huge market now. There is indeed a boom as far as airlines are concerned. But despite new operators and routes being connected with each other, the ground situation in airports remain static. The congestion has increased manifolds and pre-flying and after flying continues to be irksome to passengers. If the passenger has to reach airport about two hours before scheduled departure, he has to wait for long to get his baggage. In all, flying is not as much comfortable as it ought to be. Flights are often delayed and then there are instances when flights are cancelled without any prior notice to passengers. Some operators are hell-bent on taking passengers for granted. 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Denver Real Estate

Denver Colorado real estate agent, Denver lofts for sale, Denver village lofts and area homes OUR COMMITMENT TO Our Real Estate BUYERS: You can expect a no worry “Hands-On-Service” during the entire process of purchasing your new home: Selection and previewing of real estate, along with investigation of neighborhoods, and comparable price analysis before making an offer to insure you will get the best price possible Choosing one of our preferred real estate lenders that can and will work within your needs and provide you the best possible programs and rates Persuasive and professional real estate negotiation Examination & interpretation of real estate contracts and disclosures & home inspections, plus facilitating a “Problem Free” transaction. To Our Real Estate SELLERS ... Follow-up is the “Key” to the successful Sale of your real property: “We Get You SO Ready To SELL...It Almost Makes You Want To Stay” We begin with a professional real estate market analysis to determine a price that will allow fair but aggressive competition A comprehensive plan of action will outline our experience-based methods for selling your home as quickly as possible and at the highest return of profit for you Our aggressive marketing programs will allow maximum exposure to potential home buyer. We have a 99.9% completion rate on all our real estate transactions...Problem free and No surprises!! Let us take the worry out of the process for you. Site Map Featured Properties Property Search Virtual Tours My Dream Home Preferred Lenders Neighborhoods Home Login Register Contact About Us

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DQNews - San Diego Union Tribune Zip Code Chart -- December 29, 2005 DQNews Home | DataQuick | Forums | -- Release | Custom Reports Search -- i Updated: December 16, 2005 -- -- -- Real Estate News -- . -- DQNEWS HOME -- RECENT RELEASES Monthly for SoCal Monthly for Bay Area New! -- CA Monthly City Chart ZIP CODE CHARTS Updated Monthly: LA Times Zip Chart SD Union Tribune Chart OC Register Chart SF Chronicle Chart Sacramento Bee Chart Annual Charts: CA 2004 City Chart LA Times 2004 Chart OC Register 2004 Chart SD Tribune 2004 Chart SF Chronicle 2004 Chart Sac Bee 2004 Chart Updated Weekly: SJ Mercury News Chart California SoCal Area Bay Area -- REGIONAL CHARTS Phoenix 3Q05 Honolulu 3Q05 Las Vegas 3Q05 Portland 3Q05 Seattle 3Q05 Nashville 3Q05 Miami/Palm Bch 3Q05 Jacksonville, FL 3Q05 Denver 3Q05 Chicago 3Q05 CURRENT HEADLINES Home Sale Trends Mortgage Trends -- Foreclosures Million Dollar Homes Building Activity Other Feature Articles NATIONAL NEWS -- WEB SITE EXTRAS ARCHIVED ARTICLES -- Customized News Services -- -- Custom Reports Archived Zip Code Charts Archived Articles -- Enter your email address to receive DQNews Headlines by email: -- Who We Are -- -- -- Find Out More About DQNews San Diego Union Tribune Zip Code Chart for Home Sales Recorded in November 2005 Back Issues are available through Custom Reports Resale New Single-Family Condominiums All Combined New Place Zip Sales Median % Chg Sales Median % Chg Sales Median % Chg Central San Diego 477 $539,000 5.7% 384 $430,000 4.4% 323 $444,500 -15.3% Allied Gardens, Del Cerro 92120 16 $589,000 7.1% 8 $367,000 -12.2% 5 $320,000 n/a City Heights 92105 28 $418,500 5.3% 17 $250,000 -5.1% 3 $224,000 -42.3% Clairemont 92117 32 $578,250 6.1% 5 $316,000 -3.5% n/a n/a n/a College 92115 29 $468,000 5.2% 16 $311,000 -11.1% 14 $234,000 -20.7% Coronado 92118 6 $1,235,000 -2.9% 17 $825,000 -37.4% n/a n/a n/a Downtown 92101 n/a n/a n/a 48 $539,250 -20.4% 147 $530,000 1.0% Encanto 92114 48 $450,000 9.5% n/a n/a n/a 4 $260,000 -45.8% Golden Hill 92102 19 $440,000 4.1% 4 $237,500 -18.1% n/a n/a n/a Hillcrest, Mission Hills 92103 12 $1,085,000 52.8% 24 $495,000 2.7% 10 $564,500 -9.7% Kensington, Normal Hts 92116 24 $504,500 -14.9% 7 $425,000 21.4% 14 $282,500 15.3% La Jolla 92037 18 $2,025,000 37.3% 35 $595,000 1.7% 22 $462,000 -13.6% Linda Vista 92111 17 $534,000 4.2% 9 $314,000 -18.1% 1 $296,000 n/a Logan Hts 92113 18 $368,500 -0.8% 1 $300,000 26.6% n/a n/a n/a Mira Mesa 92126 52 $520,000 4.0% 23 $400,000 12.7% 3 $359,500 1.3% Mission Bch, Pacific Bch 92109 13 $940,000 19.0% 25 $600,000 5.3% 10 $422,000 -22.6% Mission Valley 92108 n/a n/a n/a 25 $356,000 0.3% 1 $804,500 57.4% Morena 92110 8 $649,500 17.6% 12 $430,000 9.6% n/a n/a n/a North Park 92104 13 $575,000 13.1% 14 $318,000 1.9% 1 $360,000 n/a Ocean Beach 92107 10 $772,000 -8.0% 9 $410,000 -1.2% 4 $431,750 12.1% Paradise Hills 92139 18 $482,500 8.7% 8 $367,500 4.6% 7 $314,500 n/a Point Loma 92106 16 $870,000 15.2% 3 $605,000 24.7% n/a n/a n/a San Carlos 92119 15 $539,000 -2.0% 4 $317,000 0.3% 1 $1,350,000 n/a Scripps Rch 92131 21 $705,000 0.7% 20 $442,500 0.1% 18 $995,000 7.7% Serra Mesa 92123 15 $515,000 7.3% 12 $327,250 -27.7% 8 $517,250 2.1% Sorrento Val. 92121 4 $735,000 -7.3% 6 $422,250 -3.8% n/a n/a n/a Tierrasanta 92124 13 $675,000 -3.6% 15 $425,000 -0.6% n/a n/a n/a University Cty 92122 12 $720,000 6.4% 17 $465,000 -8.8% 50 $344,000 -28.0% East County 317 $490,000 6.5% 82 $325,000 1.7% 63 $446,000 -5.9% Alpine 91901 17 $679,000 8.6% 1 $245,000 -6.1% 5 $699,000 -17.5% Boulevard 91905 2 $353,750 114.4% n/a n/a n/a n/a n/a n/a Campo 91906 4 $386,000 42.3% n/a n/a n/a 20 $395,500 n/a Descanso 91916 2 $442,500 n/a n/a n/a n/a n/a n/a n/a El Cajon 92019 34 $545,500 4.4% 9 $356,000 1.7% 3 $275,000 -59.6% El Cajon 92020 30 $480,000 -4.0% 4 $280,000 -9.4% 2 $294,250 -25.5% El Cajon 92021 34 $466,000 -0.2% 15 $310,000 -4.6% 7 $955,500 106.1% Jacumba 91934 1 $92,000 -23.3% n/a n/a n/a n/a n/a n/a Jamul 91935 10 $792,500 -2.5% n/a n/a n/a n/a n/a n/a La Mesa, Mt. Helix 91941 37 $524,000 17.2% 4 $321,500 7.3% 8 $873,000 -5.4% La Mesa, Grossmont 91942 8 $515,000 1.9% 5 $428,500 30.8% n/a n/a n/a Lakeside 92040 23 $540,000 11.8% 6 $301,000 36.8% n/a n/a n/a Lemon Grove 91945 17 $435,000 3.0% 1 $315,000 0.2% 3 $312,000 n/a Pine Valley 91962 3 $495,000 43.5% n/a n/a n/a n/a n/a n/a Rancho San Diego 91978 4 $514,000 13.2% 1 $355,000 15.6% n/a n/a n/a Santee 92071 36 $470,000 8.5% 21 $350,000 11.5% 14 $474,500 1.7% Spring Valley 91977 55 $475,000 8.1% 15 $327,000 -7.2% 1 $660,000 19.3% North County Inland 547 $580,000 12.6% 134 $365,000 6.0% 218 $668,500 6.9% Bonsall 92003 6 $837,000 29.0% 3 $324,500 -20.9% n/a n/a n/a Borrego Spr. 92004 3 $125,000 -60.9% 1 $240,000 81.8% n/a n/a n/a Escondido S 92025 29 $490,000 4.8% 12 $317,500 0.8% 1 $575,000 -40.8% Escondido N 92026 41 $500,000 5.3% 6 $334,500 33.3% 12 $781,500 4.9% Escondido E 92027 46 $479,000 11.5% 2 $260,000 -3.3% 1 $948,500 50.6% Escondido W 92029 16 $664,500 6.3% n/a n/a n/a 1 $940,000 n/a Fallbrook 92028 48 $605,000 21.2% 2 $214,823 -40.3% 8 $797,250 26.6% Julian 92036 2 $271,000 48.5% n/a n/a n/a n/a n/a n/a Palomar Mtn 92060 n/a n/a n/a n/a n/a n/a n/a n/a n/a Pauma Valley 92061 1 $220,000 n/a n/a n/a n/a n/a n/a n/a Penasquitos 92129 41 $686,000 5.9% 17 $340,000 -2.9% 13 $917,000 73.0% Poway 92064 42 $588,000 7.1% 5 $420,000 -0.9% 1 $255,000 -88.5% Ramona 92065 36 $575,000 17.1% 5 $302,500 -11.9% 1 $659,000 -9.4% Rancho Bernardo W 92127 20 $1,050,000 70.7% 13 $395,000 18.6% 69 $457,500 -17.9% Rancho Bernardo E 92128 41 $675,000 16.4% 28 $420,000 -2.3% 6 $322,500 11.2% Rancho Santa Fe 92067 4 $2,512,500 11.7% n/a n/a n/a 1 $1,320,500 109.6% Rancho Santa Fe post office 92091 2 $2,800,000 93.1% 1 $865,000 -3.4% n/a n/a n/a San Marcos N 92069 35 $526,000 5.2% 6 $385,000 20.9% 10 $363,500 -39.9% San Marcos S 92078 37 $650,000 13.5% 13 $378,500 -7.2% 73 $702,000 21.5% Santa Ysabel 92070 1 $206,500 n/a n/a n/a n/a n/a n/a n/a Valley Center 92082 13 $660,000 -2.6% n/a n/a n/a 12 $840,500 5.6% Vista S 92081 20 $555,000 4.7% 5 $420,000 28.4% 1 $543,000 -41.4% Vista W 92083 25 $460,000 5.7% 9 $360,000 15.0% 5 $690,000 4.5% Vista E 92084 37 $580,000 19.6% 6 $367,000 11.4% 1 $889,000 175.2% Warner Spr 92086 1 $611,000 35.0% n/a n/a n/a 2 $53,750 n/a North County Coast 319 $645,000 9.5% 145 $455,000 5.1% 179 $807,000 19.6% Cardiff 92007 12 $677,500 -26.6% 4 $482,500 -10.6% 2 $1,232,000 n/a Carlsbad N 92008 12 $712,500 4.8% 6 $482,500 15.6% 2 $477,500 -48.9% Carlsbad S 92009 32 $770,000 10.0% 16 $447,000 6.4% 77 $890,000 -7.3% Carlsbad I 92010 11 $600,000 -8.3% 6 $410,000 -4.7% 4 $497,750 -29.4% Carlsbad II 92011 16 $865,000 10.9% 13 $645,000 -0.2% 3 $173,500 -77.4% Carmel Valley 92130 26 $970,250 7.4% 23 $645,000 20.6% 48 $791,500 -7.3% Del Mar 92014 13 $2,000,000 40.8% 4 $578,500 -20.8% 1 $2,400,000 108.7% Encinitas 92024 37 $815,000 7.2% 19 $512,500 -5.5% n/a n/a n/a Oceanside S 92054 41 $527,000 16.7% 19 $367,000 0.5% 7 $577,500 7.8% Oceanside E 92056 59 $506,000 6.8% 11 $349,000 -1.7% 11 $278,500 -55.0% Oceanside N 92057 52 $535,500 9.8% 18 $317,500 0.0% 23 $739,000 37.4% Solana Beach 92075 8 $1,047,500 -25.2% 6 $817,500 10.4% 1 $1,200,000 n/a South County 245 $602,500 13.7% 95 $385,000 6.6% 184 $506,500 -12.8% Bonita 91902 16 $703,000 0.4% 2 $385,750 -7.8% n/a n/a n/a Chula Vista N 91910 44 $611,000 15.6% 17 $385,000 2.7% 2 $737,500 n/a Chula Vista S 91911 34 $530,000 12.8% 25 $360,000 3.4% n/a n/a n/a Chula Vista - E. Lake - Otay Ran ch 91913 46 $677,500 15.4% 16 $414,000 -4.2% 21 $408,500 -37.3% Chula Vista NE 91914 14 $713,250 8.1% 5 $440,000 8.1% 37 $478,000 -45.4% Chula Vista SE 91915 23 $612,000 0.3% 8 $483,500 9.9% 87 $582,000 24.4% Imperial Beach 91932 7 $530,000 9.5% 3 $505,000 -3.8% n/a n/a n/a National City 91950 13 $444,000 9.6% 4 $312,500 0.2% 20 $495,750 n/a Nestor 92154 39 $585,000 23.2% 8 $367,500 5.8% 17 $662,000 26.5% San Ysidro 92173 9 $507,000 11.1% 7 $295,000 0.9% n/a n/a n/a ©DataQuick Information Systems This information may not be republished in any form. -- View the DQNews News editorial policy. -- Contact us at info@DQNews.com | DQNews Home | DataQuick Homepage

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How We Work: Frequently Asked Questions Overview Agros Development Process Organizational Foundations Where We Work Our Impact People and Progress Sustainability FAQs Overview Organizational Profile Vision and Mission History and Future News Room Board of Directors Careers Contact Us Overview Give Online How to Get Involved Volunteer Overview Service Team Experiences Donor Stories Noemí Fund Central America in Transition Recommended Reading Frequently Asked Questions Background Information Why is land ownership important to the rural poor? Land is a precious asset around the world. It is a primary source of income, security and stability. Families who have the opportunity to own their own parcel of land can farm it to ensure a stable income for their families and preserve it for their children. They will invest in their land, improving the soil while conserving the environment. Through land ownership, rural poor families acquire a viable way of supporting themselves and overcoming their poverty while simultaneously creating a sustainable community. However, for most rural poor families owning land is an unattainable dream. They don't have access to the cash or credit they need to buy land. Their inability to purchase land guarantees many poor people in third-world countries a life of desperate poverty, working for low wages as farmhands or migrant laborers. Rural poor families become trapped in a cycle of poverty. They are left unable to purchase their own land, paying exorbitant rents for basic survival on poor quality land, and working for desperately low wages as farmhands and migrant laborers. Agros helps families in Central America purchase their own land. In doing so, we help rural poor families create viable, healthy, and sustainable communities today, and for generations to come. How Agros Helps Does Agros give families free land, or do they work to purchase their own land? Agros offers rural poor families a hand-up, not a handout. We help families purchase land through low-interest loans. Loan payments fund the purchase of land for new Agros communities. Agros owns the land and provides each family in the new community with a promissory note. The land title is held by Agros until each family repays the cost of their parcel of land. How long does it typically take families to pay off their land loan? Typically, it takes a family seven to 10 years to pay for their land. Once the loan is repaid, the land title is written in the name of both husband and wife, or the name of the one parent in a single parent family. There is a two-year grace period is allowed. The title is then passed on to the family in a land title transfer ceremony. This is an important and joyous event in the community. Is the land legally available? Establishing a legally secure title to the land is an important element of Agros' work. Before land is even considered for purchase, it must be legally available and clear of competing claims. This contributes to the long-range security of the families. What happens if a family can't pay? Occasionally, a family is unable or unwilling to repay the cost of the land. In such cases, the community leadership committee will work within existing community bi-laws to resolve the issue. The Agros Approach How is the Agros approach unique? Agros' approach of working with the rural poor in long-term asset building makes its work unique. With the exception of some government efforts at land distribution, there are few organizations that have been willing to provide long-term land loans to the poor. Agros is also unique in its approach of avoiding dependency and paternalism in its relationship with participants. By working with each community to develop local leadership, governing bodies, and decision-making processes, individuals gain self-esteem and confidence in their own ability to make sound decisions about their future. This is "breaking free from the cycle of poverty" in the most profound way. Agros has discovered that lending to the poor can be a viable credit risk. A small loan can provide a poor family with just enough capital to help them break free from poverty. Families who understand that they will become self-sufficient owners of their own land at the end of their repayment period have great incentive to fulfill their loan obligations. In addition, by focusing its projects on specific geographical areas, Agros is able to maximize the efficiency of its work in rural areas and generate more possibilities for further economic development and impact. What is an Agros Village? An Agros village is a community comprised of a group of selected families (between 25 and 75) in need who are striving together to make a better future for themselves and their children. Each family is lent a parcel of land, materials to build a house and access to an integrated irrigation system. Through additional small business loans, education and accountability, economic sustainability is the goal to enable them to effectively repay the cost of their loans. Each village has community governance with elected positions that decide the goals and priorities based on input from other villagers. Villages have co-ops, community banks and other economically based programs all based on sustainability. How do new projects get started? First, a group of families interested in becoming an Agros village approaches Agros staff in Central America to nominate a village. Agros must then determine the village's degree of need and prioritize accordingly. We have a fixed number of communities that we can start each year according to funding. The Agros offices in each country work with the Seattle office to determine this number. Since the need for land is always greater than the financial resources available to start new communities, tough decisions have to be made. If resources are available to start a new community, Agros field staff will begin to work with potential villagers. Agros field staff work with the community leaders to learn about parcels available for sale, discuss sale price, and to develop negotiating strategies. Field staff survey the land, assess its quality, and determine land titles and water availability. If everything meets our standards and funds are available for land purchase, field staff give community leaders the go-ahead to begin negotiations. Land purchases are typically timed around the agricultural calendar. A parcel will be purchased in time to prepare the land for the first harvest. Simultaneously, Agros field staff get to know the members of the community, while community members learn about Agros' work. Typically, the most important issue for communities to understand is that Agros provides loans and assistance to help farming families build assets, but that we do not provide charity and free handouts. During the initial development phase, Agros provides services such as agricultural credit and training to create a relationship with the group. At this time the community is introduced to Agros and Agros observes the community's ability to cooperate and sees whether it responds well to the challenges of the Agros model. If community members agree to Agros' repayment policy, and if Agros believes there is a good fit, field staff will typically start with a small project, such as providing small 6-month loans for seeds and agricultural supplies. There is always a tremendous need for short-term credit in rural areas. These small projects provide a perfect testing ground for community members to experience the assistance Agros provides, while Agros field staff learn which community members are bona fide farmers who have a willingness to repay their loans and a desire to work hard to overcome their poverty. During this process, entire communities may choose not to continue to work with Agros, or larger groups of participating families may be whittled down to smaller groups. Typically this is due to Agros' repayment policy, which families may not take seriously until their small loan comes due. At this stage, Agros field staff may choose to go through another 6-month loan cycle with a community. This phase may also include agricultural training to help farming families learn appropriate techniques that will increase crop yields, or other training related to health and nutrition, depending on the needs of the community. Building Long-Term Change How does Agros's approach address long-term poverty issues such as rural-urban migration, education, and health? In our experience, land ownership brings tremendous change in the lives of the rural poor. This change cannot help but positively affect large, long-term poverty issues in the following ways: Improved land quality With the prospect of land ownership, families invest in the quality of their soil and new agricultural techniques which boost crop production, stimulate rural economies and bring greater prosperity to rural areas. Through Agros's agricultural training and support for income-generating activities, families can build lasting economic security for themselves and their children. Improved quality of life As income security is established, the quality of life increases and the potential for social unrest and civil conflict is reduced. Agros supports the unfolding of this "virtuous circle" through the elements of its model. By helping poor families purchase land, the development cycle begins. A stronger community Agros's training in leadership and community organization helps develop local leaders who can work together to resolve community problems and plan for an improved future using foresight gained through prior experiences. Improved health A diversified diet leads to better nutrition and better health. As a result, infant death and malnutrition are reduced, providing an incentive to have smaller families. Better educational opportunities Greater economic stability allows parents to part with child labor and enroll their children in school. Agros also helps communities in projects such as school building. Reduced rural-urban migration As economic prospects and quality of life improve, rural families have no reason to migrate. This leads to greater stability and prosperity as urban areas are not flooded with rural migrants looking for a better life. How does Agros's model affect the problem of illegal immigration into the United States? There are many reasons why immigrants leave the rural countryside and come to the United States. Among them are the conditions of extreme poverty in which people live and the lack of opportunities that enable families to overcome their poverty. Many of the people coming to the U.S. illegally are "economic migrants" - people who come in search of work. Poverty conditions and lack of work opportunities at home mean that these economic migrants are willing to leave their families, risk their lives, and find work in some of the least desirable conditions - often as menial laborers and minimum wage workers. Steady work is better than no work, and minimum wage in the U.S. is often more than they can earn in an entire day in their native country. Throughout Central America, political and economic conditions are such that no matter how hard people work, 60 percent are earning less than $1 per day and 40 percent are living below the poverty line. Unemployment and underemployment are rampant in the rural areas. There are simply not enough jobs to go around and no hope that circumstances will change any time soon. By helping rural families purchase land and build thriving communities, Agros provides an alternative for people who believe their only option is to migrate into the city or into another country, such as the U.S. Agros enables families to stay together and to generate income within their own countries and communities. Agros helps families create a livelihood for themselves that can be passed on to their children. As conditions improve, the motivation for becoming an economic migrant disappears. Families stay together, communities are strengthened, and lives are transformed. How do Agros projects help women? Women in developing countries and across Central America face grave challenges. As the primary caretakers of families and children, they are on the front lines of hunger, malnutrition and death in their families. Agros' programs cannot be successful or have a lasting impact if the health of women is in jeopardy. Many women in rural Central America: Lack access to prenatal care and are isolated from modern health facilities Get married as adolescents, start families at a young age, and don't know how to plan the size of their families Have a difficult time keeping their children healthy and well-nourished because they don't know how, or don't have the resources to prepare a well-balanced meal and lack knowledge of basic sanitation Are of poor health themselves because they sacrifice food and other resources for their children and are continuously breast feeding due to multiple consecutive births Agros' programs address the needs of women and children by creating a positive cycle of change. We help women achieve: Education : For young girls who would otherwise marry young and start families when they are little older than children themselves, Agros provides opportunities for them to go to school. Educated girls tend to marry later and their children tend to be healthier. Literacy training : Agros offers literacy training to adults, giving both men and women who were not able to go to school the opportunity to learn how to read and write. Financial independence : Agros trains women to manage a savings account and family finances because women tend to invest in their families. Business expertise : Through microenterprise development, Agros teaches women skills they can use to start their own businesses. Agros also teaches women (and their children) how to raise small animals close to home to generate income. Family planning and health care : Many women have had more than 5 children and have never received a gynecological exam or had access to prenatal care. Through the women's health initiative: Women learn about their bodies in a way that promotes self-esteem. Women with greater self-esteem become active in community organization. They get involved in village decision-making and develop leadership skills. Women receive regular physical exams, many for the first time in their lives. Agros works within the local culture to provide education about birth spacing and birth control so that women and their husbands can make informed decisions about family planning. People talk a lot about the importance of "sustainable development." How are Agros' methods sustainable? Sustainable development is an important element of Agros' work. Agros works to create sustainability in three primary areas: in the environment, in family economics, and in community organizations. Environmental sustainability begins by providing families with land. People take better care of and are more concerned about a resource over which they have ownership. Agros then provides training and technical assistance regarding the use and stewardship of this land. This includes the construction of composting latrines, improved wood burning stoves, and education on soil conservation, organic composting, and agro-forestry techniques. Economic sustainability begins with improved production of basic grains. When a family produces more food on less land, they become more confident in their ability to feed themselves. With food security established, they begin to try things they've never done before, for instance, growing foods that they can sell in the market and use to generate income. Once families begin to generate a stable income, they can begin to pay back their land loans. And once their loans have been repaid (typically within 10 years), they become self-sustaining owners of their own land. From this land, they are able to generate an on-going, stable income and provide an environment in which their children can thrive. Community sustainability is attained in two ways. First, we help give rural families the training to create a local community government that looks to the entire community for participation and decision-making. This becomes the backbone for civic responsibility and participation. It also becomes the primary way communities continue to thrive long after Agros has departed. The second way is through the Noemí Fund. What is the Noemí Fund? The Noemí Fund is a loan fund that provides the capital needed to buy land and develop village infrastructure, including the resources needed to administer and manage this fund. When a new community is started, the loan fund is used to match every dollar raised for the development costs of a new community, including field support and training. As communities begin to repay their loans, the payments are returned to the loan fund. As the loan fund is replenished, new communities can be started. What happens if Agros is not there? If Agros is not there to provide access to land ownership, opportunity and hope for a sustainable life is slowly choked out. Families will continue to face malnutrition. Lack of education will persist. Migration to urban centers will increase as the rural poor seek a viable life. As a result, dysfunctional structures will remain intact without being held accountable. Cities will become overcrowded and the families moving into them unable to find work or hope in their new location. Communities will become even more broken than before, and despair will overwhelm souls. Planning for the Future What are Agros's goals and plans for the future? Through 2006, our primary focus is to consolidate and strengthen existing projects in Guatemala, Honduras, El Salvador, Nicaragua, and Chiapas, Mexico. At the same time, Agros is ramping up organizational and financial capacity to ensure on-going growth past 2006. At the same time, the need for Agros's work is considerable in countries throughout the developing world. There are many opportunities beyond our current geographic focus that will be considered as part of a long-term expansion plan. We have received requests for assistance from communities in Brazil, India, Kenya, the Middle East, Romania and South Africa. Post-2006 expansion will be determined through a process of (1) documenting need amongst the rural poor; (2) engaging in prayer and discernment, (3) identifying local interest and leadership, (4) receiving an invitation to participate, and (5) raising the requisite funds. When these criteria are met, expansion into new geographies will be considered. Our Christian Commitment Is Agros a Christian organization? Agros is comprised of Christians who desire to follow the teachings of Jesus Christ by serving the rural poor regardless of their faith. We agree that spiritual transformation is key to holistic transformation. It is God who ultimately transforms the individual. Agros plays a role in encouraging the spiritual transformation of individuals in Agros communities. Faith plays a crucial role in the holistic development of the Agros communities. International development organizations worldwide recognize the overall importance of faith in development. The church is the community institution that will survive. It also provides the moral compass for the development of the community and its values for the present and future generations. How does religious faith impact the work you do in the field? We try to model and communicate biblical principles to assist in the transformation of lives. Our role in spiritual transformation is expressed by: Sharing and teaching biblical principles underlying our social and physical services: Land purchase and use Land ownership and repayment Work ethic and responsibility Community organization Leadership development Infrastructure development and maintenance Agriculture & enterprise training Health and education Agros personnel being prepared to respond to and answer the "Why" questions. Why is Agros doing this? Why are you doing this personally? Whom does Agros serve? Agros works with landless, rural families of all faiths who have demonstrated their agricultural vocation and a willingness to cooperate with Agros program goals and expectations. In most cases, Agros assists groups that have already been organized and who demonstrate a need and the values of community and concern for each other. We look for a history of working together and an understanding of the importance of hard work. We work with groups of people who have: Initiated a relationship with local Agros staff Committed to abide by the Agros program and principles Demonstrated active leadership that holds values consistent with those of Agros Shown characteristics that lead Agros staff to believe the group has a strong chance of succeeding as a community. In determining the potential for success of a community, one of the factors necessary is a group of believers in the local area (i.e. a church). We may work with groups that have no professing Christians. Our Funding How is Agros Funded? The funding for Agros comes from three primary resources: Individuals, churches and foundations. Individuals and churches support Agros in the following ways: General Giving Walk with a Family Special Projects and Appeals Journey with a Village Country offices also seek out resources from local and international organizations. There are in-kind donations such as trees, seeds and other supplies. Heifer Project International contributes support for training and small animal husbandry. Most recently the Noemí Fund was developed to provide capital needed to jumpstart development and match donations from other sources. This fund was started to make available rotating credit that is repaid, and to supply future capital. How You Can Help How can churches, community organizations, and businesses get involved with Agros? Agros welcomes opportunities to partner with churches, organizations and businesses through its "Journey with a Village" program. This program partners individuals, families, churches, foundations, businesses or community groups with rural landless families in developing countries where Agros works. The purpose of the partnership is to enable these families to purchase their own agricultural land, build a livelihood, restore self-dignity, and overcome poverty. As a JWAV partner, you have the opportunity to help change these families' lives forever by coming alongside them in a financial and relational commitment of up to 5 years. Our typical process is: Meet : Get to know you, introduce you to the work of Agros and explain the JWAV program. Match : Determine if your goals and the community's goals would benefit through partnership. Champion : Help you select a Village Champion to organize a committee and if desired, delegate responsibilities and provide prayer support. Visit : Put together a trip so that you and other potential supporters can meet the families involved in your new potential partnership. Partner : Formalize the partnership through a signed agreement and celebration with the community. How can I make a donation to Agros? Simply on click on Give Now to make and individual donation, or call us at 206-528-1066. Home | Give Now | How We Work | Inside Agros | Get Involved | Learn More | Contact © 2005 Agros International. 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