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Homepage of the California Department of Real Estate (DRE) California Home DRE Home Contact Us What's new About DRE Careers at DRE DRE Records Consumers Escrow Violations eLicensing Examinees Licensees Subdivisions Real Estate Law Regulations Publications Forms FAQs Links Index Department of Real Estate START Examinees and Licensees: Use eLicensing for expedited processing of: Examination services Mailing address changes License renewals Salesperson additions/changes of employing broker Broker certification of salesperson employment Broker discontinuation of salesperson employment Duplicate license requests Additional services Learn to use eLicensing It's easy, paperless and interactive! Resources Key Announcements Brokers Must Report Commission Payments on 1099s Real estate brokers are required to report commission payments of $600 or more to brokers and salespersons on Form 1099-MISC, Box 7 - Nonemployee Compensation. For more information, see 1099 Reporting for Real Estate Brokers published by the Franchise Tax Board. Combination examination and license applications are now available: Broker Examination/License Sales Examination/License Expanded Services: Use eLicensing to apply for the salesperson exam Important Information About: Application Processing Timeframes Satellite Exam Sites for Salespersons and Brokers Can't find what you're looking for? Try the Index Featured Items Topics of Interest: Gulf Coast Hurricanes CalHFA First Time Homeownership Program Instructions to License Applicants Help Avoid DENIAL of Your License Application Guides for First Time Home Buyers and Renters Information for Homebuyers Apply Online for a CalVet Home Loan Predatory Lending Prevention Investigate Before You Invest Small Business and DVBE Opportunities Workers' Compensation Coverage Flex Your Power - Be Energy Efficient! Find out how you can save money, save energy, and save natural resources.   more My CA Customer Survey Course & Instructor Evaluation Back to Top of Page Conditions of Use | Privacy Policy | Tech Problems 2003 State of California This page last modified on Wednesday, December 28, 2005

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Buying property to let | Property | Money | Gay.com UK Home Personals Chat Jobs Boards Directory Ask the Doctor Login | Join Now | Help News | Scene | Entertainment | Travel | Women | HIV Life | Lifestyle | Money | Weddings Choose your country site… US & Canada en français Italia Deutschland Argentina Australia España México Brasil Latino in Money Banking Insurance Law Property Work Life Flatshare & Flatmates login have your say Is Elton's wedding the event of the year? Property -- gay.com money property also in property Trust & Partnership Gay couples 'buying more homes' Find the perfect gay flatshare First time for everyone? Editor's picks Property archive also on gay.com Clubs Ho Ho Ho! Theatre Top gay play premieres in London Relationships Four years of worry - about what? related links Gay.com web guide - Money and Business Motley Fool Finance Pink Finance sponsored links Mortgage Best Buys - Save 100s Find Mortgages with Central Capital Compare UK Mortgages Buying property to let Chris Morgan Pink Finance 11 November, 2005 more articles by Chris Morgan Have you ever thought of becoming a landlord? In his latest column Chris Morgan offers advice on Buy to Let property. Kenneth has an amount of 30,000 that he would like to invest in his future. He likes the idea of buying a property to let out to tenants. This would mean taking a second mortgage, as he already has one already on his residential home. Kenneth said Im unsure whether Id be allowed to have two mortgages? Id be able to afford both monthly payments, as the rental income would more than cover the new mortgage. Are there any lenders that would give me the money? There are many Buy to Let mortgage lenders that would advance Kenneth the money, providing he has a 15% deposit. They would use the monthly rental income to justify the mortgage, providing it exceeds the interest payable by 130%. There are many types of specialist mortgages for landlords, with the most common either fixed or discounted variable options. Whichever type you select the interest will be tax deductible, providing you choose a loan that is specifically for letting property. Kenneth Continued Im not even going to have to find a tenant, as I already have a friend who would like to rent the new property. They want to find a nice place to let in my local area and are not in the position to get a mortgage themselves. Heres some advice for prospective landlords You should try and avoid Buy to Let lenders who charge a percentage of the loan as an arrangement fee and only pay a flat fee of a few hundred pounds. If your mortgage broker is independent they are obliged to offer you the opportunity to pay their fees by hourly rate. You should take out the loan on an interest only basis and not try and repay the capital, as its important that you create a margin. The difference between the monthly payments and rental received should be saved for repairs, decorating and unlet periods. Most lenders will require that you get your tenants to sign an assured shorthold tenancy agreement for either 6 or 12 months. You will be able to acquire an example from a legal stationers, or from a letting agent if you are using one. And Kenneth? We raised a mortgage for him of 170,000 at a fixed rate of 5.14%, using his 30,000 as a deposit. The monthly payment will be 728 per month, with his friend paying rent of 950 per month. The lenders arrangement fee on this deal was a flat 449, with the broker fee a flat 500. Chris Morgan is Managing Director of Compass financial advisers to the gay community www.compassifa.co.uk and editor of Pink Finance gay finance magazine. www.pinkfinance.com print it | email it rate this article: [ 1 2 3 4 5 ]Rating: 4 votes Win tickets to NYC from the Money Boards Gay.com and Vouch4me.com have got together to bring you the chance to win a trip to New York! wholesale nike shoes .35$/pair .www.nike-fancy.com jordan shoes /NFL jerseys/nor wholesale nike shoes .35$/pair .www.nike-fancy.com buy sell nike shoes,jordan,tn,shox,timberland,puma,prada,adidas, shoes,lacost,ev Sell Auto Seat Cover Sell Sports shoes (Nike,Adidas,Puma etc.) more competitions Full list of message boards Search Gay.com Company info Advertising info Personals affiliates Privacy policy User agreement Contact us Help Site Map ©1995-2005 GAY.COM INTERACTIVE SERVICES. ALL RIGHTS RESERVED. LEGAL NOTICE

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Australian Investment Properties ... Many of Australias Best - Right Here! Click on the photograph of the property you wish to view. Scroll down to view all of the properties. 250E Luxury apartments due to be completed November 2002: Melbourne CBD, Victoria. Singularly the most centrally located CBD residential property in Melbourne is 250e. Absolute CBD. Right in the heart of the city, it is absolute CBD. There is no other property that can touch it for location and potential investment value. new Arcadia Grove Stage 1 Townhouses and Apartments due to be completed July 2003: East Hawthorn, Victoria. Arcadia Grove offers brand new homes with all features Hawthorn lovers love best. Beautiful garden townhouses and apartments of 1, 2 and 3 bedrooms, are set among leafy streets that lead into a central urban oasis of parkland. Boulevard 610 Luxury apartments due to be completed June 2002: Melbourne, Victoria. From the tranquility of Albert Park Lake to the colour and excitement of St Kilda & Chapel Street, the Boulevard's spectacular location is at the centre of everything. new i.d. Luxury apartments due to be completed October 2003: Port Melbourne, Victoria. i.d. sees the redevelopment of the Joshua Brothers Distillery site in Port Melbourne. The apartments are designed around a courtyard space, with pool and recreation areas and a mix of landscaped surfaces, palms and lush planting. new Pacific International Apartments Melbourne Serviced apartments due to be completed January 2003: Melbourne, Victoria. Overlooking Collins Street and the Yarra, Pacific International Apartments, offers fully furnished and superbly decorated one and two bedroom hotel apartments and hotel suite apartments. Philadelphia Luxury Apartments now completed: Melbourne, Victoria. Located in the residential Golden Mile of Melbourne opposite the beautiful Treasury Gardens. Scala Luxury apartments due to be completed October 2002: Melbourne, Victoria. A sophisticated inner city apartment building, Scala Apartments, Lakeside offer stunning views and an exceptional level of refinement. With 107 apartments, Scala offers you the choice of 1, 2 or 3 bedrooms with some apartments incorporating a study. new Tribeca Luxury apartments due to be completed May 2005: East Melbourne, Victoria. Tribeca East Melbourne will be a development of unsurpassed quality, fusing contemporary architectural design with the existing heritage structures of the Victoria Brewery site. new Westway Apartments Luxury apartments due to be completed October 2003: Maribyrnong, Victoria. Westway offers 67 magnificent luxury style two and three bedroom apartments & townhouses only 5km from the CBD. Close to all amenities such as child care centres, shopping centres, Maribyrnong River, parklands and Universities, Westway is sure to create a lifestyle within its self. new Linc Stage 2 Luxury apartments due to be completed November 2003: Alexandria, New South Wales . Architecturally designed with a choice between live/work apartments, studios, one or two bedroom apartments, Linc is the perfect location for easy living. Ellington Luxury apartments due to be completed August 2002: Tenneriffe, Queensland. Ellington comprises three separate buildings encircling extensive recreation areas and tree lined pedestrian walkways. Set amongst extensive landscaping, incorporating lap pool and barbecue areas, Ellington will provide a green oasis, a tranquil retreat shielding the residents from the hustle and bustle, yet still its just a few minutes from the heart of the action. Last Few Horizons Luxury apartments now completed: New Farm, Queensland. Overlooking the New Farm Park and Brisbane River, Horizons consists of twelve luxury ensuited apartments and two villa, executive residences. The development features a pool and B.B.Q area, north-facing and park views, has lift access to all levels, on-site management and massive entertainment balconies. new Alpha G Luxury apartments due to be completed February 2003: Waterloo, New South Wales. Alpha G is a unique development of 75 space age apartments which will be built on top of a futuristic commercial office space and modern showroom complex. The building features sun shading to the east and west, air conditioning, undercover parking and an entry level cafe. Apex Apartments Luxury apartments due to be completed September 2001: North Sydney, New South Wales. Located centrally in Berry Street North Sydney, Apex offers 77 luxury apartments with security undercover parking, swimming pool and gymnasium. Last Few Balmain Shores Stage 3 Luxury apartments due to be completed December 2002: Iron Cove, New South Wales. Idyllic environment with 340 metres of water frontage in the historic Balmain area, just four kilometres from the Sydney CBD. Balmain Shores Stage 4 Luxury Terraces Apartments due to be completed December 2002: Rozelle, New South Wales. Inspired by the historic architecture of the surrounding area, the final stage of Balmain Shores embraces the convenience and style of terrace living. These boutique buildings are no more than three storeys high and all apartments features balconies. new Garden Square Luxury apartments due to be completed February 2003: Chatswood CBD, New South Wales. Garden Square is a community orientated, environmentally sustainable, new development, occupying a prime position amongst the more traditional red roofed bungalows of Chatswood. An easy walk to Chatswoods many amenities and attractions, Garden Square comes with convenient access to trains, buses, schools and shops. King Street Wharf (Stage 2, North) Luxury Apartments due to be completed June 2002: Darling Harbour, New South Wales. King Street Wharf will be an exciting new waterfront district in Sydney. Formerly wharf 9 and 10 of a former maritime terminal in which Darling Harbour was known as Wharf 8. Stage 2 consists of the construction of twin residential towers (North and South) of Building 3, plus the balance of the waterfrontage retail and strata commercial element, Building 2. King Street Wharf (Stage 2, South) Luxury Apartments due to be completed June 2002: Darling Harbour, New South Wales. King Street Wharf will be an exciting new waterfront district in Sydney. Formerly wharf 9 and 10 of a former maritime terminal in which Darling Harbour was known as Wharf 8. Stage 2 consists of the construction of twin residential towers (North and South) of Building 3, plus the balance of the waterfrontage retail and strata commercial element, Building 2. new Linc - Stage 1 Luxury apartments due to be completed May 2003: Alexandria, New South Wales. Architecturally designed with a choice between live/work apartments, studios, one or two bedroom apartments, Linc is the perfect location for easy living. Last Few Linea Luxury apartments due to be completed December 2002: St Leonards, New South Wales. Brand new, contemporary apartments located amidst the vibrancy of St Leonards dynamic lifestyle attractions. Boasting smart design, captivating views and spacious, open living areas, Linea apartments offer the smooth integration of complete comfort and style. new Medina Classic Serviced apartments now completed: Sydney, New South Wales. Medina Classic Martin Place is ideally located in the heart of Sydneys vibrant CBD and shopping precinct, only one block north of Martin Place. The 49 studio and one bedroom apartments all have fully equipped kitchens and laundries. new Nexus Luxury apartments due to be completed July 2003: St Leonards, New South Wales. Rising through the St Leonards skyline, Nexus is an address where life meets style. Located between the transport hub of St Leonards and the cafe society of Crows Nest, convenience meets necessity in this central location. Pacific International Suites Parramatta Serviced apartments now completed: Parramatta, New South Wales. Fully furnished 4.5 star serviced apartments with a thirty year guaranteed return. new Proximity 1 and 2 Luxury apartments due to be completed June 2004: North Arncliffe, New South Wales. Only minutes from the Sydney CBD as well as beaches, parks and waterways, Proximity defines a new standard for contemporary residential communities. Each apartment offers views, space, parking and privacy, with ample room for individual style. new Proximity 3 Luxury apartments due to be completed June 2004: North Arncliffe, New South Wales. Only minutes from the Sydney CBD as well as beaches, parks and waterways, Proximity defines a new standard for contemporary residential communities. Each apartment offers views, space, parking and privacy, with ample room for individual style. new Quadrant Luxury apartments due to be completed July 2003: Broadway, New South Wales. Located only 1 km from Sydney CBD, Quadrant offers residential apartments featuring a blend of heritage and modern architecture. A vibrant central plaza forms the heart of the development, with restaurants and alfresco cafes in landscaped gardens featuring reflection pools. new State Apartments Luxury apartments due to be completed June 2003: Waitara, New South Wales. Located in the upper north shore suburb of Waitara, the State Apartments comprises 102 stylish and spacious one bedroom + study, two bedroom and three bedroom apartments, all featuring secure undercover parking, split system air conditioning and balconies. new Waitara Grand Apartments Luxury apartments due to be completed June 2003: Waitara, New South Wales. The Waitara Grand Apartments offer 136 luxury apartments over two towers in Sydneys upper northern suburb of Waitara. Waitara Grand features public parklands on two sides of the development and provides a private swimming pool, communal courtyard and secure undercover parking. Back to the Australia Financial Services Directory

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Bulgarian Properties Expert - Buying Property Abroad Home Buying Property Abroad Home Bulgaria Property Market Property News Investments Buying Property Abroad Top Ten Tips Why Overseas Property Purchase Process Possible difficulties Bulgarian Home Search About us News Feeds Forum Contacts Property Listings Property Hotspots Useful Links Warsaw Hotels, Hotel Accommodation in Warsaw Poland Hotel Apartments in Warsaw Poland, Warsaw apartments in Poland Offshore banking, bank accounts offshore Get an offshore banking and an offshore account, offshore company and offshore bank account Discount hotels in Brussels. Brussels Belgium accommodation Brussels Hotels and Apartments in Brussels. The largest choice of accommodation in Brussels A guide to accommodation in Budapest. Hotel accommodation in Budapest Budapest Hotels. Great last minute discounts Madrid lodging directory. Madrid hotels Madrid Hotels. Great last minute discounts Milan hotels by Europe-Cities.com. Hotel accommodation in Milan Hotels in Milan. Great last minute discounts Buying Property Abroad Buying property abroad? Buying property abroad has become increasingly popular with the British andNorthern Europeans for various reasons, mainly the warm climate, affordableprices and investment opportunities. With the poor returns on the stocks andshares market and uncertainty of pension fund's future, more and more ordinarypeople invest their hard earned cash into bricks and mortar by buying aproperty abroad. Retirement abroad Retirement abroad is no longer the prerogative of rich and famous. The dreamof owning a property overseas turns into reality for hundreds of thousands ofBritish people every year. Increasing number of pre-retirement age and themiddle aged are buying overseas property (villa or apartment) in the hope touse it as a permanent or semi-permanent home in their forthcoming retirement. What lures Britons to leave their homes in UK and look for the best place tolive is not just a warm climate. Lower cost of living is also taken intoconsideration by people looking for a better quality of life, to what their UK pension canprovide. Property in Bulgariais becoming increasingly popular choice for retirement abroad for the abovereasons. A place in the sun - Buy Holiday Homes Abroad More and more couples consider choosing to buy a second property abroad anduse it as a holiday home in summer and winter. Apartments in Spain havealways been Britons favourite place in the sun to take holidays or shortbreaks. With the costs of travel dramatically falling, it is becoming cheaperand certainly more exciting to go abroad. A lot of ordinary people realise that buying overseas property can not onlybecome an ideal holiday home, but also provide a steady rental income.Think where you go to take a short winter break or spend Christmas - the Banskoski resort (Bulgaria)!Now imagine owning an apartment in Bansko and be the lucky owner who also getsthe rental income! Property for sale in the emerging market of Bulgaria in the past few years hasbecome a big attraction for investors and holiday home owners as they providean affordable opportunity to own a place in the sun. Property abroad - Alternatives to Pensions Buying property abroad and home has proven to be an excellent investmentover the long term. Although it should never be overlooked that buying overseasproperty does not guarantee the increasing price in the short term, it iscertainly a winner in a long run. An underlying asset of the investment cannotbe wiped out as easily as the value of the stocks and shares, thus is lessrisky than other more traditional forms of investments. It is a known fact that borrowing against your existing property issignificantly cheaper, which makes it possible to create a portfolio ofproperties and benefit from the tax breaks that stocks and shares cannot offer. More and more ordinary people realise the benefits of buying overseasproperty rather than shares and include Bulgarian property into their portfolioof investments. More sophisticated and informed investors diversify their riskand maximise their returns by investing in emerging property market of Bulgaria. The proposal regarding the possibility of including overseas property inyour pension fund is a possibility in the future, so watch this space andreview your pension portfolio with a financial advisor in the next few years asbig changes are on the way! Spread you risks, create a balanced portfolio of real estate investments! Bulgarian property market Bulgarian property market (Black Seaside in particular) has been the firstcoastal resort areas, where British people discovered Bulgaria. This propertymarket was pioneers in attracting foreigners to buy property here. With growing demand for properties in the above area, lack of planningpermission regulations, some parts of these beautiful coasts have beenoverbuilt. But there is a big advantage of the Bulgarian Black Sea areas - theestablished infrastructure that makes this place ideal for retirement abroad orholiday homes. By trial and error the property markets in up and coming areas of Bulgariaare offering much more - good value for money, facilities, infrastructurethat was frequently overlooked at the infant stages of the Bulgarianproperty market development. Black Sea and mountainresorts are the future of Bulgarian property market. Large numbers of wealthy Northern Europeans are buying a property in Bulgaria, incoastal resorts in particular and this trend will only increase as the Europeanbaby boomers retire. This will ensure the growth in demand for many decades tocome, driving the prices upwards! UKagents and property consultants With the overwhelming supply of new developments coming in different partsof the world, growing number of the property exhibitions and UK propertyagents, as well as press and media coverage of different hot propertydestinations, it is easy to overlook your own objectives and jump on the bandwagon. And… Do it sooner than later as the prices are increasing! Bulgarian Properties Highlights Purchase of Bulgarian property become easier for foreigners Foreigners will be able to purchase real estate properties without special licenses from the government. Members of the Parliament Economic Commission voted down on second reading, the text of the Investments Encouragement Law, according to which the foreigners had to ask the cabinet for such a license. Irrelevant became also the requirement for special license from the Ministry of Defense and the Ministry of Internal Affairs for purchasing real estate properties in the interior areas of the country, close to the national security objects. The grounds for this vote are that such restrictions do not correspond to the law, whose purpose is to encourage the investments. The law is to be adopted by the parliament on second reading. In the beginning of March 2004, at the conference of the Bulgarian Industrial Business Association (BIBA), the American Trade Chamber and the Bulgarian-German Chamber was requested these restrictions to be dropped off. At the moment the Real Estate Agencies face difficulties in interpreting the Foreign Investments Law and the regulations for applying the Law of the Ministry of Internal Affairs, since there are many unclear points concerning the property or land acquisition in urbanized territories at the border area, in connection to the national security. Due to the same reason, the Notary Publics faced difficulties to perform the sale formalities of land along the Black Sea coast, which according to the real estate agents is an obstacle for the realties market. Companies in this trade sphere explain that the foreign investors used to buy properties and land via figureheads, but in the long run this practice is not serious and may lead to exodus from the most perspective construction regions in Bulgaria. The main problem for them is due to the ambiguity in the interpretation of the term “border area”. The lawyers regard the term as applied only for the land and river borders, since according to the Sea Area Law, the sea coast is not considered a state border. As by the Foreign Investments Law enacted, a juridical person on the territory of Bulgaria can acquire property and restricted law of estate over realties. © 2005 Sagabg.net. All rights reserved.

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Capital One: Credit Cards, Auto Finance, Loans, and Savings Accounts Credit Cards Auto Loans Savings Home Loans Healthcare Finance Personal Loans Insurance Small Business Credit Cards Rewards Account Auto Savings Line of Credit Contact Us Help Site Map Credit Cards Auto Loans Savings Home Loans Healthcare Finance Personal Loans Insurance Small Business Credit Cards No Hassle Miles Cards Other Rewards Products Auto Savings Line of Credit New? Register here Login Requirements • Beware of fraudulent e-mails • Capital One Bowl and Mascot Challenge Credit Cards Mail Offers Personal Small Business Auto Loans and Insurance New/Used Refinance Insurance Savings High Yield Savings CDs Money Markets Home Loans Home Equity Refinance Purchase Small Business Credit Cards Loans Line of Credit Other Loans Personal Loans Healthcare Finance Auto Loans Blank Check ® auto loans Rates as low as 5.39% No money down Learn More Auto Loans as low as 5.39% APR 30-36 Mo What’s my mortgage payment? Loan Amount: $ Interest Rate: % Loan Term: 30 20 15 Years Other Calculators About Capital One | Investors | Press | Careers | Education | Capital One does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through this site. Read additional disclosures . Site Map | Privacy | Security | Terms and Conditions Capital One Bank, Capital One, F.S.B., members FDIC. ©2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Blank Check ® is a registered trademark of Capital One Services, Inc. Equal Housing Lender Credit Cards | Auto Loans | Savings | Home Loans | Insurance | Healthcare Finance | Personal Loans | Small Business