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Article Index Finance Q&A Tools Index Site Map Recent articles by Liz Pulliam Weston: • Streamline your finances in 8 steps , 1/12/2003 • Ditch all fees for online banking services , 1/12/2003 • In clash of debit-card titans, consumers lose , 1/12/2003 More... Related Sites American Association of Small Property Owners Rental Property Reporter National Real Estate Investors Association The Basics How to find good investment property advertisement If you're cut out for it, life as a landlord can be quite profitable. But success isn't assured. Here's what you need to know before diving in. By Liz Pulliam Weston The idea of owning rental real estate seems to be gaining popularity as investors tire of the swoops and swoons of the stock market. As I pointed out in a separate column , not everyone has what it takes to be a landlord. But those who do may find rentals to be a good way to build wealth. Once youve made the decision to buy rental property, your real work begins. Finding a profitable rental property usually takes time, connections and plenty of research. Heres what you need to know to get started: Start investing with $100. Explore our new ETF center. Know your time horizon As with any other investment, you should have a good idea how long you plan to own a rental property before you buy it, says Robert Cain, publisher of the Rental Property Reporter newsletter. The longer you plan to own the property, the more youll probably need to invest in maintenance, repairs and improvements, Cain said. If youre keeping it for 20 years, at some point youre going to be putting a new roof on that property. Youre going to be putting in new appliances and doing some major repairs, Cain said. If youre only planning to own a property for five years, by contrast, youll probably want to avoid making any major improvements unless youre sure you can recoup the cost with a higher sale price. You also may face more investment risk with a shorter time horizon. Although your rental will almost certainly appreciate over 20 years, it could easily lose value in the next five, particularly if youre buying in an overheated market. Youll need a bigger potential annual return to make up for that risk. For many small investors, long-term ownership makes the most sense, said Pat Callahan, an attorney, landlord and founder of the American Association of Small Property Owners. Youll have plenty of time to ride out any swings in the market, and rental income can make a nice supplement to your day job. Find enough rental properties, and being a landlord may become your day job. Develop a network Experienced landlords find their properties in a variety of ways. Some hunt for foreclosures, making friends with city hall clerks or bank employees who know which properties are about to be sold. Some run ads in local newspapers. Others work with real estate agents who keep their eyes peeled for possible buys. Several landlords recommended joining a local landlord or property owner's association to make contacts. Callahans Web site offers links to local groups, as does the National Real Estate Investors Association. (See the links at left under "Related Sites.") When you begin to own rentals, all the other investors start coming out of the woodwork, said Sean Hoppe, a landlord in Pottsville, Pa., who owns 11 properties. Through investor meetings, networking, etc., I can find out what is for sale. (Hoppe, by the way, is 25 and hopes to retire from his job as a computer consultant in three years.) You also can try approaching landlords directly to see if theyre willing to sell, by calling the numbers listed on rental ads in the classifieds, by cruising neighborhoods looking for for rent signs or by talking to any landlords you know personally. Thats how Bob, who asked that his last name not be used, bought his rental property near Albany, N.Y. The landlord of the three-unit building where Bob had rented for 15 years was tired of the hassles and ready to sell. We love (the area) and jumped at the chance to buy it, Bob said. So far, Bob and his wife have been pleased with their purchase. They raised rents and required security deposits, which caused the propertys less desirable tenants to leave. He also has a backup plan for the building in case he starts to feel like the prior owner. If being a landlord got to be too big a hassle, Bob said, we would just get rid of the tenants and make it our own place. Get your finances in shape The better your credit, and the less credit card and other consumer debt you have, the better your prospects for getting a decent loan, Callahan said. Lenders usually require bigger down payments, higher interest rates and generally stronger finances when youre buying rental property. Thats because they know people are more likely to default on investment property than they are on their own homes. Landlords say it also pays to have a substantial cash reserve left over after buying a property. This can help pay for unexpected repairs and vacancies. Although there are few rules of thumb, setting aside at least one months rent for each unit is a good start. CPA Paul Berning suggests having a line of credit, secured either by the property or your own home, to cover larger costs. You also should make sure you can save enough for retirement and other goals before investing in rental real estate. While rental income can supplement your retirement kitty, most people shouldnt count on it to replace other investments or allow themselves to be entirely exposed to the whims of the local real estate market. Rents and property values can fall as well as rise, and those who are adequately diversified with investments in stocks, bonds and cash will be better able to endure the bad times as well as the good. Avoid overpaying As one experienced landlord put it: You make your profit when you buy a property, not when you sell it. Pay too much, and youll never recoup as much as you could have had you driven a better bargain. The rental real estate market is generally tougher on investors who overpay than on homeowners who do the same thing, several landlords said. While a home is often an emotional purchase, which can lead to I must have it! offers and bidding wars, most landlords look strictly at the numbers to see if their investments will pay off. If you pay too much for a rental, you cant count on a greater fool coming along later to bail you out. Not overpaying can be tough in a hot market, however. Apartments in New York, for example, currently sell at a 60% premium over their inherent value. In other words, theyre selling for much more than the income streams the apartments generate, according to Reis, a national real estate research firm. In San Francisco and Los Angeles, the premium is 10%. Some landlords use formulas, such as not paying more than six to eight times the rents they expect to make the first year. Others try to estimate what the property could be worth after needed repairs and upgrades are made, and they dont pay more than 70% of that price, less the cost of those repairs, CPA Berning said. Every real estate market is different, however, and these formulas may not work in your area. Whats key is to make sure your rental income will cover your out-of-pocket costs, Berning said. That includes the mortgage payment on the property, as well as taxes, insurance, maintenance, repairs and a vacancy rate of around 5%. (If you have five units, for example, you should expect at least one unit to be empty three months each year. Heres the math: 5 units times 12 months equals 60; 60 times .05 is 3.) If you can at least break even, youll be able to profit from any price appreciation as well as from tax breaks available to rental property. Cains Web site sells $55 software to help you make these calculations (see link at left). When crunching the numbers, you should know that theres a big difference in how repairs and improvements are treated for tax purposes. You can typically deduct the cost of a repair, such as patching a roof or fixing a leaking pipe, on your tax return for the year in which the repair is made, Berning said. Replace that roof or those pipes, however, and its typically considered an improvement, which means the cost cant be deducted. Instead, its added to the amount you paid for the property to determine your tax basis when you sell. The higher the basis, the lower your taxable profit. But if you have to wait 20 years after making a major improvement to recoup any of the cost for tax purposes, you may think twice about buying a property that needs a lot of upfront work, Berning said. To better estimate your costs, get a thorough inspection before you buy a property. Some landlords have favorite electricians, plumbers and contractors that they send to any prospective property, promising them that they can do any repair work they find. Others use professional inspectors they trust. Longtime landlords say all this work pays off in profitable properties that build their net worth while providing a steady income stream. Callahan, whose family started investing in rental real estate in the 1940s, says its a way of life she recommends. It doesnt matter if youre a professional or a laborer, Callahan said. Its the equal-opportunity wealth builder. Editors' choice Don't get scammed by your mover Safeguard your Social Security number 5 ways to tap into the onshore drilling boom Your checkbook just became obsolete Turn $1 a day into $67,815 Readers' choice Ratings Top 5 Articles 9.29 Zombie debt collectors dig up your old mistakes 9.24 Keep thieves out of your bank account 9.22 Credit reports now free for entire U.S. 9.20 10 ways to avoid outrageous hospital overcharges 9.17 The tricks and traps of debt consolidation View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement Sponsored Links Fund data provided by Morningstar, Inc. © 2005. All rights reserved. Quotes supplied by ComStock , an Interactive Data company. MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. 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Tax Administration Durham County Government Advanced Search Terrorist Threat Level Home Services Departments News Jobs Public Records Where Can I Find...? Calendar Links Feedback Durham Neighborhood College "Enlightening and empowering citizens to build a better Durham" UPDATED: December 15, 2005 > Tax Administration : Foreclosure Auction New Office Hours to 8:30AM - 5:00PM effective February 2, 2004 Durham County Tax Office to accept electronic check payments Department Home General Information • About the Tax Administrator • About the Tax Office • Frequently Asked Questions • Tax Valuation Appeal Process • Tax Rates Public Information • Record Searches • On-line Business Listing System • On-line Tax Payments • Tax Foreclosure Property Listings • GIS Maps • Property Tax Forms and Publications • Impact Fee Information Information For... • Owners of Real Estate • Business Personal Property Owner • Business Privilege License/ Beer/Wine License • Motor Vehicle & Personal Property Taxation • Revaluation 2008 • Revaluación 2008 Property Tax Foreclosure Auction The tax information provided here is for informational purposes only, does not constitute any certification of taxes and should not be relied upon for actual payment or collection of taxes. The information, pictures, maps, or any other data contained on this website contains no warranties or guarantees. Anyone interested in participating in the bidding process should conduct his or her own research for each individual property. The Durham County Tax Collector, at the direction of the Durham County Commissioners and the Durham City Council, is aggressively pursuing the collection of delinquent real and personal property taxes. One of the collection tools used by the Tax Collector is the employment of private attorneys to commence formal foreclosure proceedings under North Carolina General Statutes 105-374 against real property on which there are delinquent unpaid property taxes. IMPORTANT INFORMATION Frequently Asked Questions (FAQ) about the tax foreclosure process in Durham and in North Carolina AuctionContent PropertyTax Foreclosure Sale Date: December 13, 2005 Location: Durham County Judicial Bldg.(lobby area) Time: 12:00 noon [All Parcel Listings for Auctions are in PDF Format] Parcel Listing for Auction Last Updated Parcel113326 for December 13, 2005 Sale (Sold for $10,500.00) December 13, 2005 Parcel132661 for December 13, 2005 Sale (Redeemed) December 13, 2005 Parcel161494 for December 13, 2005 Sale (Redeemed) December 8, 2005 Parcel114945 for December 13, 2005 Sale (Sold for $5,725.00) December 13, 2005 All Durham County foreclosure sales are made subject to all outstanding City and County taxes and all local improvement assessments against the properties offered for sale that are not included in the judgment of each entitled cause herewith. A deposit of ten percent (10%) of the successful bid will be required the day of the sale. Minimum bid sheets and general foreclosure sale information is located at the Customer Service Counter. Adobe's free PDF Reader is required to view documents in PDF format. DOWNLOAD ADOBE PDF READER HERE! The tax information provided here is for informational purposes only, does not constitute any certification of taxes and should not be relied upon for actual payment or collection of taxes. The information, pictures, maps, or any other data contained on this website contains no warranties or guarantees. Anyone interested in participating in the bidding process should conduct his or her own research for each individual property. top of page Last updated: September 9, 2004 © 2005, Durham County Government, North Carolina. All rights reserved. 200 E Main Street, Durham, NC 27701 webmaster@durhamcountync.gov Website Disclaimer & Policies

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FLBA of Texas-Land Loans for Real Estate-Farms & Ranches While driving home, you decide to take a different route. That's when you see it. It's the ranch, or perhaps the hunting or fishing spot of your dreams - ideally located where the Hill Country, Edwards plateau and the rolling plains come together in some of the most beautiful and productive land to be found in Texas - but this time it's not a dream. And best of all, it's for sale. You're in luck. At the Federal Land Bank Association of Texas, we help finance dreams. The FLBA of Texas is a leader in true, long-term financing for farm, ranch and rural recreational property, and has been for more than 80 years. And since we are cooperatively owned and directed by our borrowers, we share our financial success with our customers - during the past number of years, we have distributed over $16 million in patronage refunds. These patronage distributions provide significant savings on interest costs to our borrowers. So whether you are looking for a retirement home by the lake, a sportsman's paradise in the Texas Hill Country or a farm or ranch somewhere in the rolling plains, our experienced loan officers have the products and services to meet your long-term needs. Page Up Home | About Us | Loans | Services | News | Links | Contact Us Land Measurements | Financial Reports Federal Land Bank Association of Texas Equal Housing Lender Equal Credit Opportunity Lender © 1999 Federal Land Bank Association of Texas All rights reserved. Privacy Practices .

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Real estate - Boston.com Buying Renting Recent Sales Place an ad Luxury Living Community data Mortgage Commercial Moving Guides Real estate Boston.com Check out the Real estate Section on Boston.com. December 29, 2005 -- Skyline at Station Landing Starting at: $339,000 Allston 2 bedroom $384,390 Newport 1 bed/1 den $755,000 Quechee Lakes, VT 3 bedroom $455,000 Sugarbush, VT 2 bedroom $166,457 Loon Mountain, N.H. Now accepting reservations Newbury 4 bedroom $749,900 Malden 2 bedroom $314,900 The Grandview Starting at: $600,000 Swampscott 3 bedroom $329,000 Boston 2 bedroom $545,000 South Boston 3 bedroom $429,000 Needham 4 bedroom $1,195,000 Dorchester 2 bedroom $314,000 York Beach, ME 3 bedroom $629,000 Battery Wharf Starting at: $1.15MM 210 South Street Regatta Residences Rooney Real Estate NOTE: We are experiencing technical problems that are preventing some photos from appearing in our listings. We are working now to correct the problem. We apologize for the inconvenience and thank you for using Boston.com Real Estate. Homes New developments Condominiums Open houses Get started All rentals Apt. communities Vacation rentals Get started HOME OF THE WEEK Old styles in a bustling area Amid a neighborhood becoming known for new restaurants, shops, and condos, the residential block where this narrow, four-level home sits may be one of the few things that has yet to significantly change. Homes of the week: Watertown | Sudbury | Westminster See photos of this home Brockton builds on legacy This working-class city's once moribund downtown is being revived by young professionals drawn to the industrial chic of old factories where laborers plied their trade more than a century ago. (The Boston Globe, 12/25/05) Kerouac's Cape home up for sale ON LOCATION Historic cottage for sale The Pratt House in Northampton, which was commissioned in 1859 by Boston doctor Alvah Littlefield and once faced demolition, is now on the market for $1.285 million. (The Boston Globe, 12/25/05) GALLERY Editor's picks: On the market Check out our favorites this week and see all different sizes, shapes, prices, and locations. (Boston.com) Last week's picks METRO HOME FEATURE A safe haven Several designers donated their time and expertise to decorate 13 bedrooms and living areas at a Children's Hospital shelter. (Metro Boston, 12/16/05) See photos of the hospital makeovers Submit photos of your pad to be featured More in Home MESSAGE BOARDS Where are prices headed? Open house advice Things to consider when buying View all message boards NEWS From one generation to another A group of young developers felt a need to give back to their Jewish community in a way that has never been done before. (Boston Globe, 12/18/05) Formal room is hereupon retired Office market shows signs of rebound COMMUNITY SNAPSHOT Holbrook Holbrook offers a mix of properties for first-time home buyers seeking more affordable options and for those in the market for more high-end housing. (The Boston Globe, 12/25/05) More profiles: Hingham | Somerville | Wellesley | Southborough All Community statistics and town data | Compare towns GALLERY A look at Manny's condo Boston.com toured Ramirez's penthouse condo, on sale for $6.9 million, and caught a glimpse into the daily digs of the World Series MVP. (Boston.com) Alternatives to heating See what others are doing to cut down on their heating bill this winter. (Boston.com) Cost comparison What is your home heating plan? Heating tips Q&A about your home heating bills More in home heating NEWS Sellers chop prices as market slows Boston-area homeowners trying to sell their houses are sharply reducing asking prices -- in some cases, by $100,000 or more -- in response to a sudden slowdown. (By Kimberly Blanton, Boston Globe) Holiday season is the ideal time to buy Lilly's five steps to real estate success 14 tips to finding a great apartment Need some help finding your next new pad? Here are a few items you should make sure to check for. (Boston.com) Print the list A sense of community in a rental Sept. 1 moving scenes Self-storage how-to Step-by-step moving guide Print box labels What are your tips for moving? Pointers on renting, your rights and so much more Search rentals Renting guides NEWS Rises in rent outpace some wages The cost of rental housing has increased more rapidly than have wages, making it increasingly difficult for low-income families to afford even modest apartments. (By Stephen Ohlemacher, Boston Globe) Tools and calculators Run the numbers on everything from your income to upfront costs and credit. Instant mortgage quotes Mortgage rates 30-yr Fxd: 6.30% 15-yr Fxd: 5.85% 1-yr. ARM: 5.15% Mortgage quotes Daily commentary NEWS Real estate slump chills 'flippers' Get in, get out, get the next deal. That's the code of the ''flipper." Flipping -- buying and quickly reselling homes -- has helped some investors make a killing over the past few years in markets such as the North Shore. Selling a house? Try some entertainment 10 things you must do when selling 10 tips for hiring a broker Selling or renting your property? click here Latest articles: Real estate transactions ( Boston Globe, 12/29/05 ) A term every home buyer, real estate agent, homeowner should know (Inman, 1:06 p.m.) Dry rot leaves home buyer in the gutter (Inman, 1:06 p.m.) Home sellers beware: Undisclosed info comes back to bite (Inman, 1:06 p.m.) In bankruptcy sale, must co-owner pay 50 percent of expenses? (Inman, 1:06 p.m.) ENeighborhoods exec. has roots in real estate technology (Inman, 12/28/05) Visions of gold entice a tin city (Boston Globe, 12/28/05) Government requirements for disclosure fail to make the grade (Inman, 1:06 p.m.) Electrical panel requires upgrading (Inman, 1:06 p.m.) Should landlords rent to section 8 subsidized tenants? (Inman, 1:06 p.m.) 'House Poor' a profitable read for home buyers (Inman, 1:06 p.m.) Inside capital gains tax law for real estate (Inman, 1:06 p.m.) Ensuring home's proper ventilation (Inman, 1:06 p.m.) America closes doors to architectural expression (Inman, 1:06 p.m.) 5 negotiation tactics for real estate deals (Inman, 1:06 p.m.) HOME OF THE WEEK: Old styles inside, bustling outside (Boston Globe, 12/25/05) ON LOCATION: Historic cottage escaped demolition, now it's a gem for sale (Boston Globe, 12/25/05) BUSINESS LETTERS: Home prices are falling, but why? (Boston Globe, 12/25/05) Brockton builds on factory legacy (Boston Globe, 12/25/05) COMMUNITY SNAPSHOT: Holbrook (Boston Globe, 12/25/05) feedback form | help | site index | globe archives | rss © 20 The New York Times Company

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Amazon.co.uk: Property Ladder: Profit from Property: Books BOOK SEARCH BROWSE CATEGORIES SPECIAL OFFERS TOP SELLERS AUDIO BOOKS Paperbacks 3 for £12 NEW & USED TEXTBOOKS HARRY POTTER SELL YOUR BOOKS All Products -Books -Used Books -Collectable Books All Subjects -Art, Architecture & Photography -Audio Cassettes -Audio CDs -Biography -Business, Finance & Law -Children's Books -Comics & Graphic Novels -Computers & Internet -Crime, Thrillers & Mystery -Fiction -Food & Drink -Gay & Lesbian -Health, Family & Lifestyle -History -Home & Garden -Horror -Humour -Mind, Body & Spirit -Music, Stage & Screen -Poetry, Drama & Criticism -Reference & Languages -Religion & Spirituality -Romance -Science & Nature -Science Fiction & Fantasy -Scientific, Technical & Medical -Society, Politics & Philosophy -Sports, Hobbies & Games -Travel & Holiday -Young Adult All Subjects Art, Architecture & Photography Audio Cassettes Audio CDs Biography Business, Finance & Law Children's Books Comics & Graphic Novels Computers & Internet Crime, Thrillers & Mystery Education & Languages Fiction Food & Drink Gay & Lesbian Health, Family & Lifestyle History Home & Garden Horror Humour Mind, Body & Spirit Music, Stage & Screen Poetry, Drama & Criticism Reference Religion & Spirituality Romance Science & Nature Science Fiction & Fantasy Scientific, Technical & Medical Society, Politics & Philosophy Sports, Hobbies & Games Travel & Holiday Young Adult BOOKS INFO At A Glance Reviews Customer Reviews Search Inside! See more by this author E-mail a Friend About This Item Recommendations If you already own this, rate it and improve your recommendations , Not Rated Visit the Music shop Confessions on a Dance Floor ~ Madonna Find a huge selection of books at 30% off Become an Associate Join our Associates Programme and make money from your website! Property Ladder: Profit from Property Sarah Beeny Search inside this book List Price: £12.99 Our Price: £6.49 & eligible for Free UK delivery on orders over £15 with Super Saver Delivery. See details & conditions . You Save: £6.50 (50%) Availability: usually dispatched within 24 hours. 33 Used & New from £4.99 See larger photo Edition: Paperback Get up to 50% off more great New Year, New You titles. More Product Details Perfect Partner Buy Property Ladder: Profit from Property with Property Ladder: How to Make Pounds from Property today! Total List Price: £25.98 Buy Together Today: £15.58 Customers who bought this item also bought: Property Ladder": The Developer's Bible ;Hardcover~Sarah Beeny The Million Pound Property Experiment: How to Make Money from Your Home ;Hardcover~Colin McAllister, Justin Ryan How to Make Money from Property: The Expert Guide to Property Investment ;Paperback~Adam Walker The Complete Guide to Renovating and Improving Property ;Paperback~Liz Hodgkinson Beating the Property Clock: How to Understand and Exploit the Property Clock for Maximum Gain ;Paperback~Ajay Ahuja Explore similar items ... Product Details: Paperback 160 pages(October 31, 2003) Publisher: Cassell Illustrated Language: English ISBN: 1844031918 Category(ies): Home & Garden , Music, Stage & Screen Average Customer Review: | Write a review Amazon.co.uk Sales Rank: 2,587 (Publishers and authors: improve your sales ) sign in to turn on 1-Click™ ordering. 25 New from 4.99 8 used from 5.75 Have one to sell? (We'll set one up for you) View my Wish List . Customers interested in this title may also be interested in: What's this? ( What's this? ) Feedback Subscribe to Property Ladder Find your favourite magazines and subscribe today for big discounts off the regular price at Britain's magazine superstore. www.isubscribe.co.uk Looking for a Loan for a Property ? We help you find the right UK property mortgage. Let us do all the legwork for you. Tenants and homeowners welcome. Enquire now, it's free and takes only a few seconds. www.empire-finance.co.uk Property Ladder Magazine The magazine that helps you make money from property . Get every issue delivered to your door for free plus save over 10% on the news-stand price. www.magazinesforall.co.uk Related Products You may also be interested in the following related items. Tick the appropriate boxes to add these items to your Shopping Basket along with Property Ladder: Profit from Property. Punch Professional Home Design Suite Platinum Our Price: £39.99 Punch Home & Garden Design Collection Our Price: £19.99 Reviews Synopsis The biggest consideration for anyone buying property is money - how should you be funding the purchase? How can you be sure the investment will remain sound? How can you go about expanding your buying and what are the market trends you should be looking out for? Another tie-in to the Channel 4 series of the same name, this guide goes beyond the original title's tips on how to make your house attractive to discuss the intricacies of the housing market and how to read its cycles. Detailed case studies revisit the success of previous series and how their investments have paid off, alongside statistics and prices of houses by area, style and time period so the fluctuations between times and regions can be thoroughly examined. New! Search Inside! ( Learn More ) Search inside this book: You can view sample pages from this book. Customer Reviews Avg. Customer Review: Write an online review and share your thoughts with other shoppers! 8 of 16 people found the following review helpful: Thank you very much, Sarah! , May 23, 2004 Reviewer: Jenia Crabbe from St. Helens, Merseyside, England I would like to say, that since we have seen the program Property Ladder, my husband and I have bought a property, which have made us a very healthy profit. As a result we are able now to open the business, that we've always wanted. I am ever so greatfull for this lovely program. Was this review helpful to you? 8 of 9 people found the following review helpful: Interesting , March 29, 2004 Reviewer: A reader Maybe not the best guide, more of a transcript of the shows which i absolutely loved. good book from a good series. interesting read at the least. Was this review helpful to you? 29 of 86 people found the following review helpful: Dangerous. , January 30, 2004 Reviewer: A reader from Glasgow, Scotland United Kingdom While she does make some points about buying a property (in ENGLAND - different sstem in Scotland remember!!), she does little more than articulate what should be common sense. I suppose if you knew nothing about the property system this would be a helpful starting oint, but there its applicability would end. Surely no-one would buy a property to live in based on her reccommendations alone, and certainly would not try to profit from it. Incidentally, she is not a property developer as she asserts. A poperty developer buys land and builds on it, ie, develops. She is little more than an interior designer who has profited from property sales. To deal with property in anything like a sensible manner takes much more than her overly optimistic, get-rich-quick ethos. I wonder how many people have lost money as a result of hearing about her successes and those on her TV show? Even those who have made money (on her show, which are presumably her most successful followers) have made relativley little. Many have given up their careers to redesign the interior of their house, and made only 10,000 or 20,000. If money was as easy to earn as this book implies, why wouldn't everyone do it? Was this review helpful to you? 48 of 61 people found the following review helpful: Not for the serious developer , November 30, 2003 Reviewer: A reader from England A good deal of fun, but targeted at the absolute beginner for development. Was this review helpful to you? See all customer reviews... 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