Home Loan Bank of

Home Page Company Info Events/Calendar Financial Information Careers Newsroom Washington Update Publications Resources Benefits Eligibilty Becoming a Member Capital Plan Member Profiles Member Directory FAQ Credit Products MPF Program Securities Services Grant Programs Credit Products Initiatives Applications Procedures Monthly Semiannual History FAQ Disclosure Search    Welcome to the Federal Home Loan Bank of San Francisco Cost of Funds Index October 20053.074% Announced November 30, 2005 Login Username Password Online Security Success Stories Cedars Bank Enjoys Flexibility of CFI Program Provident Finds MPF Program to Be Viable Secondary Market Option United Labor Bank Creates Customer Loyalty A WISH Fulfilled Highlights AHAC Members Announced D. Tad Lowrey To Join Board 2005 Director Election Results Bank Reports Third Quarter Results Bank Announces $20.2 Million in 2005 AHP Round B The Bank awarded $20.2 million in Affordable Housing Program (AHP) grants in 2005 Round B. The funds will support 53 projects, generating 2,938 affordable housing units in Arizona, California, Colorado, Nevada, and Texas. Read More... Homeownership Program Workshops Coming In January The Bank will host six workshops about our homeownership programs, the Individual Development and Empowerment Account (IDEA) and Workforce Initiative Subsidy for Homeownership (WISH) programs. Read More... MPF Program Orientations Set For 2006 Want to learn more about the MPF Program? The Bank will host "Getting Started with the MPF Program" on three dates: January 19 in Los Angeles, June 15 in San Francisco, and November 9 in Phoenix. Read More... Temporary Suspension of Income Limits for Affordable Housing to Aid Hurricane Evacuees In response to the aftermath of Hurricane Katrina, the Federal Housing Finance Board has approved a temporary suspension of income limits to allow vacant AHP-assisted rental units to be rented to households, regardless of income, who were displaced as a result of the storm. Read More... Third Quarter 2005 Report Now Available On November 14, 2005, the Bank filed its third quarter 2005 financial report on Form 10-Q with the SEC. The Bank also declared a dividend for the third quarter of 2005 at an annualized rate of 4.58%. Bank Reports Third Quarter Results On November 4, 2005, the Bank announced selected financial results (PDF) for the third quarter of 2005. Bank Announces Projected Dividend Rate On September 27, 2005, the Bank announced its projected dividend rate for the third quarter of 2005. Read More... © 2000-2005 Federal Home Loan Bank of San Francisco

Texas Land & Cattle

Texas Land & Cattle Steak House - Austin, TX, 78717 - Citysearch 7 BOC Spa & Beauty: 7 days till voting begins -- New to Citysearch? Sign In · Help · Dec 29 2005 Home Restaurants Bars & Clubs Hotels Shopping Spa & Beauty Movies Events See More Categories » Search Business name, category, and/or keyword Search restaurants only Search by name only Address, city & state, or zip | Neighborhood Address, city & state, or zip | Neighborhood Address, city & state, or zip | Airport Address, city & state, or zip | Attraction Select a Austin Neighborhood Arboretum Bergstrom Airport Buda CedarPk/Leander Downtown Austin East Austin Georgetown Hill Country Hyde Park Lake Travis North Austin Northeast Austin Northwest Hills Oak Hill Round Rock/Pflugerville San Marcos South Austin Southeast Austin Tarrytown Travis Heights University of Texas - Austin West Austin West Lake Hills Select an Austin Airport Select an Austin Attraction My Locations Add/edit locations Recent Locations Clear recent locations Save to My Citysearch Printer Friendly Version Home · Restaurant · Profile Texas Land & Cattle Steak House 14010 N Hwy 183 Austin, TX 78717 (512) 258-3733 Cross Street: Lakeline Mall Drive Editorial Profile A Southwestern chain serving tender steaks in a bustling, family-style eatery. Read More | User Reviews (2) 9.2 Overall Recommended About our ratings Ratings feedback Send to a Friend Find a date Evite your Friends Restaurant Info Cuisines: · American (Traditional), Steakhouse Price: · $$ Payment: · American Express · Discover · MasterCard · Visa New! Mobile Biz Center Book a flight , get biz news , or locate WiFi hot spots . Learn More Own this business? » Enhance or edit your listing See something wrong? » Suggest a correction Things to do nearby: 14010 N Hwy 183 Austin, TX 78717 · Restaurants · Hotels · Bars · Movie Theaters · Department Stores · Shopping Centers & Malls · Grocery Stores · Pharmacies · Florists · Banks Related Searches · Austin Restaurants · Austin American (Traditional) Restaurants · Search anything in Austin · Search Yellow Pages in Austin · Search other Cities · Browse Austin Editorial Lists Citysearch Editorial Profile -- By Tara Fatemi Quick Results in Austin, TX Search Results 1 - 3 of for " " No results for " " found. Close this window Overall Offers and Discounts Overall Offers and Discounts Overall Offers and Discounts View all results A Southwestern chain serving tender steaks in a bustling, family-style eatery. Editorial Rating: Recommended The Scene Dark wood accents, a Western motif and a large fireplace decorate the bustling, sprawling restaurant. Decibel levels manage to remain quiet enough for conversation. Service can be inconsistent, despite a large staff. The Food Texas onion strings features tangy and spicy pale-pink dipping sauce combining liquid smoke, mayonnaise and barbecue sauce. The average smoked sirloin nachos are served with generous amounts of refreshing pico de gallo and jalapenos. The succulent signature pepper-smoked sirloin lives up to its reputation with its well-absorbed flavor. A side of chili, however, is tasteless and lukewarm while under-cooked, bitter spinach is smothered in butter. Two 8-ounce, mesquite-grilled pork chops are spicy-sweet with a peach glaze coating the tender meat exquisitely. The accompanying sweet mashed potatoes are delightfully creamy. Jack Daniels pie is strong, chunky and topped with vanilla ice cream. Editorial content is independent of paid advertisers. Any expenses are paid for by Citysearch. User Reviews What users are saying Prompt seating: yes Make reservations: no Romantic: no Good for kids: yes Good for groups: yes Write a review and share your thoughts with other users. Great Food that won't break the budget Posted by leafsfan2028 on 05/24/2005 I have visited this location several times and can't wait to go back. If you like steak, order the rib eye. It is outstanding. I made the mistake of changing gears last time I was there and went with the t-bone, whihc was good, but the rib eye is out of this world. Service has always been favorable. Overall user rating: Highly Recommended Was this review helpful: Yes or No | Request removal of this review » Read all 2 reviews Related Editorial Content Dog-Friendly Austin We've sniffed out the city's best spots for a full day of doggie nirvana. So grab a leash and lap up the fun. Downtown Walking Tour The must-dos of downtown. Campus Living Check out what the kids are up to these days in the shadow of the University of Texas at these cool campus area bars and shops . 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buy property, the agent

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

Investment Property

Investment Property Databank IPD Home About IPD Portfolio Analysis Services Events Indices and Market Information Indices for Derivatives Online Services -- Home Company Overview Directors IPD Measurement Methods Locations Sponsors IPD Links IPD Awards FAQs Press Releases Contact Us Jobs at IPD Company Overview Until recently, IPD was run by a long-established management team, who held majority control in the equity of the business. The core of Directors - including co-founders Rupert Nabarro and Ian Cullen - have been with the company from start-up in 1985. The rest of the Board comprises respected experts in their fields, most with at least ten years' IPD experience. To guarantee its independence, the company is devoted exclusively to the objective measurement and analysis of property. It does not invest in the market, and does not offer any direct investment advice. Our headquarters and central processing facilities are in London. An all-graduate staff of over 100 includes economists, surveyors, statisticians and IT specialists, in teams dedicated to major business areas and clients groups. IPD services outside the British Isles are run in conjunction with partner organisations in each country. These arrangements are developed flexibly with local needs and conditions, sometimes through an existing professional or trade association, in other cases through joint-venture or subsidiary companies. Both in the UK and overseas, IPD's technical and product development are attuned to the needs of users through networks of expert and advisory groups. Continuous development ensures that our services stay at the forefront of technical advancement - in property measurement, in benchmark and index construction, and the electronic delivery of outputs. Our current initiatives include work on the standardisation of valuations and property data, the regulation of benchmark reporting, and higher-frequency data collection and reporting. 1 St. John's Lane London EC1M 4BL Tel: +44 (0)20 7336 9200 Fax: +44 (0)20 7336 9399 Privacy Policy | © 2005 IPD Ltd. All Rights Reserved. Home | About IPD | Portfolio Analysis Service | Events | Indices and Market Information | Indices for Derivatives | OPD Designed by Webrepro

Home Equity

Home Equity Loans: The Three-Day Cancellation Rule -- Search: FTC Consumer Alert PDF Version Home Equity Loans: The Three-Day Cancellation Rule If you’re considering applying for a personal loan and using your home to guarantee repayment, you should know that a federal credit law gives you three days to reconsider a signed credit agreement and cancel the deal without penalty. Your "right to rescind" or "right to cancel" is guaranteed by the Truth In Lending Act. You can rescind for any reason but only if you are using your principal residence—whether it is a condominium, mobile home, or house boat—as collateral, not a vacation or second home. Under the right to rescind, you have until midnight of the third business day to cancel the credit transaction. Day one begins after all three of the following occur: you sign the credit contract; you receive a Truth in Lending disclosure form containing certain key information about the credit contract, including the annual percentage rate; finance charge; amount financed; and payment schedule; and you receive two copies of a Truth in Lending notice explaining your right to rescind. For rescission purposes, business days include Saturdays but not Sundays or legal public holidays. For example, if the events listed above take place on a Friday, you have until midnight on the next Tuesday to rescind. During this waiting period, activity related to the contract cannot take place. The creditor may not deliver the money for the loan. If you’re dealing with a home improvement loan, the contractor may not deliver any materials or start work. If you decide to rescind, you must notify the creditor in writing. You may not rescind by telephone or in a face-to-face conversation with the creditor. Your written notice must be mailed, filed for telegraphic transmission, or delivered if by other written means, before midnight of the third business day. If you cancel the contract, the security interest in your home is also cancelled, and you are not liable for any amount, including the finance charge. The creditor has 20 days to return all money or property you paid as part of the transaction and release any security interest in your home. If you received money or property from the creditor, you may retain it until the creditor shows that your home is no longer being used as collateral and returns any money you have paid. Then, you must offer to return the creditor’s money or property. If the creditor does not claim the money or property within 20 days, you may keep it. If you have a bona fide personal financial emergency—such as damage to your home from a storm or other natural disaster—the law allows you to waive your right to rescind and eliminate the three-day period. To waive your right, you must give the creditor your own written statement describing the emergency and stating that you are waiving your right to rescind. The statement must be dated and signed by you and anyone else who shares in ownership of the home. But remember: if you waive your right to rescind, you must go ahead with the transaction. The right to rescind does not apply in all situations when you are using your home for collateral. Among the exceptions are: when you apply for a loan to buy or build your principal residence; when you refinance your loan with the same creditor who holds your loan and you don’t borrow any additional funds; or when a state agency is the creditor for a loan. In these situations, you may have other cancellation rights under state or local law. The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. May 1998