Denver Real Estate Search
Green Chair Blog: Denver Real Estate Search Engine Optimization WEB DESIGN INTERNET MARKETING GRAPHIC DESIGN CONTACT US ABOUT US HOME Green Chair Blog Green Chair Marketing Group is a Denver based search engine marketing firm that also create custom web sites and programming, as well as email marketing. We will regularly comment here on some of the things going on in search engine marketing, web design and some of the projects we're working on. Saturday, February 19, 2005 Denver Real Estate Search Engine Optimization I've been working on search engine optimization for Realty Oasis , a Denver based real estate office. The program they use is pretty slick and once they really learn how to use their web site, it will be very powerful. They have a 100 agents in the office, and the site will be used well by them because they are very technically savvy. Sites like this are a problem for the search engine. They have so much function in them that they are filled with a lot of code in the HTML. The search engines have to find their way through a lot of code before they get to the content on the site. Sometimes they will give up after 500 lines of code or a bit more. When you look at the pages that are indexed on Google, you see something called "Supplemental Results", which means that Google knows the page exists but doesn't have any content in their database for the page. What a site like this should do is eliminate code that is unnecessary or have the code called in from a separate document using Javascript. posted by Dave at 2:37 AM 0 Comments: Post a Comment << Home About Me Name: Dave Carlson Location: Denver, Colorado, United States View my complete profile Previous Posts New Web Site Design from Green Chair Microsoft PPC Product Getting Help with Search Engine Marketing Using Site Match to Get More Traffic Lead Generation Web Sites Quote on Procrastination Understanding Pay Per Click Advertising This is a paragraph of text that could go in the sidebar. -- WEB DESIGN | INTERNET MARKETING | GRAPHIC DESIGN | CONTACT US | SITE MAP New Web Site Design Air Cannons Colorado Homes for Sale CreARTive the Studio Metro Screenworks The Boylston Group Western-Moving.com Powers Products RBC Business Articles Karen Faulkner Verge1 Contact Us Green Chair Marketing Group Phone: 720-922-3124 Email: info@greenchair.net ©2005 Green Chair Marketing Group Hosting by Green Chair Hosting, Denver Web Hosting
Florida Real Estate
Florida Real Estate Select a topic... Appliance Repair & Shopping Bathrooms Bedrooms Deck, Porch & Patio Doors & Windows Electrical & Home Wiring Finance Fireplaces HVAC Kitchen Design Lawn & Garden Paint & Wallpaper Roofing & Siding Storm-Ready Workshop Featured Channel: Deck, Porch & Patio Order a FREE Book Get a full-color book of Homes or Apartments in this area. Call or click for your free copy! Homes: 800-841-3401 Apts: 800-222-3651 Order Online -- -- Owens Corning Create more room for living with the ultimate Basement Finishing System BobVila.com > Real Estate > Florida Florida (change state/province ) Select an Area: Amelia Island (442) Apalachicola-St. George Island-Port St. Joe (998) Beaches of South Walton-Destin (1838) Boca Raton-South Palm Beach County (544) Cocoa Beach-Melbourne-Titusville (2079) Crystal River-Homosassa-Inverness (496) Daytona Beach-New Smyrna-West Volusia (1469) East Pasco-East Hernando (1451) Flagler County-Palm Coast (962) Florida Keys (1133) Fort Lauderdale (2910) Fort Myers-Cape Coral (3486) Fort Pierce-Port St. Lucie (1382) Fort Walton Beach (1675) Gainesville-Alachua County (676) Homestead-South Dade (202) Inland Northwest Florida (1069) Jacksonville-Ponte Vedra Beaches (1562) Lake and Sumter Counties (1422) Lake City - North Central Florida (747) Lakeland-Winter Haven (312) Marco Island (316) Miami-Dade (1208) Naples-Bonita Springs (865) North Palm Beach County (1170) Ocala-Marion County (1562) Orlando and Surrounding Counties (1542) Panama City (2143) Pensacola (1244) Sanibel-Captiva Islands (151) Sarasota-Bradenton (1423) Southeast Georgia-Kings Bay (1122) St. Augustine-St. Johns County, FL (900) Stuart-Palm Cty-Hutchinson Isl-Jensen Beach (1631) Tallahassee (753) Tampa-St. Petersburg-Clearwater (2663) Venice-Englewood-Port Charlotte (2026) Vero Beach-Indian River County (1513) West Pasco-West Hernando Counties (832) Select a City: Alachua (41) Alford (63) Alligator Point (43) Altamonte Springs (29) Altha (17) Altoona (13) Alva (71) Amelia City (1) Amelia Island (127) Anastasia Island (1) Anna Maria (22) Anthony (9) Apalachicola (51) Apollo Beach (76) Apopka (71) Arcadia (42) Archer (11) Argyle (1) Aripeka (1) Astatula (5) Astor (2) Atlantic Beach (35) Auburndale (17) Aventura (167) Avon Park (3) Babson Park (9) Bagdad (1) Baker (37) Bal Harbour (11) Baldwin (7) Balm (1) Barefoot Bay (2) Bartow (3) Bascom (3) Bay Harbor Islands (1) Beacon Hill (1) Bell (3) Belleair (5) Belleair Beach (2) Belleair Bluffs (3) Belleview (59) Bellview (1) Beverly Hills (60) Big Pine Key (144) Biscayne Gardens (3) Biscayne Park (3) Blountstown (15) Boca Grande (2) Boca Raton (119) Bokeelia (13) Bonifay (107) Bonita Beach (4) Bonita Springs (136) Boynton Beach (163) Bradenton (520) Bradenton Beach (12) Brandon (42) Branford (26) Briny Breezes (1) Bristol (2) Bronson (7) Brooker (6) Brooksville (86) Bruce (2) Bryceville (5) Bunnell (41) Bushnell (86) Callahan (14) Campbellton (5) Candler (1) Cantonment (38) Cape Canaveral (53) Cape Coral (1795) Cape Coral Central (3) Cape Haze (3) Cape San Blas (60) Captiva (40) Carrabelle (168) Carrollwood (3) Caryville (4) Casselberry (30) Celebration (4) Center Hill (9) Centerhill (1) Championsgate (1) Chattahoochee (4) Chiefland (6) Chipley (168) Chokoloskee (4) Christmas (2) Chuluota (3) Citra (19) Citrus Springs (85) City Of Sunrise (3) Clarksville (3) Clearwater (173) Clearwater Beach (17) Clermont (212) Clewiston (8) Cocoa (34) Cocoa Beach (54) Coconut Creek (87) Coconut Grove (15) Coleman (4) Compass Lake (2) Cooper City (53) Copeland (1) Coral Gables (44) Coral Springs (329) Cottondale (26) Crawfordville (127) Crestview (273) Cross Creek (1) Crystal Beach (11) Crystal River (67) Crystal Springs (2) Cudjoe Key (50) Cutler Ridge (5) Cypress (2) Dade City (240) Dania (21) Dania Beach (7) Davenport (34) Davie (153) Davis Island (1) Day (1) Daytona Beach (152) Daytona Beach Shores (34) De Land (1) De Leon Springs (5) Debary (49) Deerfield Bch (4) Deerfield Beach (38) Defuniak Springs (46) Deland (62) Delray Beach (121) Deltona (94) Deltona Pines (1) Destin (317) Disston Plaza (1) Dona Vista (2) Doral (6) Dover (4) Dowling Park (2) Duck Key (6) Duette (5) Dundee (4) Dunedin (63) Dunnellon (147) Eagle Lake (2) East Palatka (3) East Point (1) Eastpoint (33) Eastside (3) Ebro (1) Edgewater (87) El Portal (4) Elkton (9) Ellenton (44) Englewood (724) Englewood Beach (4) Estero (96) Eustis (144) Everglades (5) Everglades City (23) F M (1) Fedhaven (1) Fellsmere (16) Fernandina (4) Fernandina Beach (217) Flagler Beach (113) Florahome (3) Floral City (17) Florida City (22) Floridana Beach (1) Fort Lauderdale (283) Fort Mc Coy (19) Fort Meade (1) Fort Myers (547) Fort Myers Beach (38) Fort Pierce (372) Fort Walton Beach (129) Fort White (23) Fountain (24) Freeport (110) Frostproof (7) Fruit Cove (1) Fruitland Park (40) Ft Lauderdale (61) Ft Myers (70) Ft Myers Beach (9) Ft Walton Beach (24) Gainesville (275) Geneva (18) Gibsonton (23) Glen St Mary (29) Golden Beach (4) Golden Shores (1) Goodland (1) Gotha (2) Graceville (27) Graham (4) Grand Island (18) Grand Ridge (13) Grant (26) Grassy Key (5) Green Acres (2) Green Cove Springs (49) Greenacres (12) Greenhead (1) Greenville (5) Greenwood (25) Grove City (1) Groveland (36) Gulf Breeze (121) Gulf Stream (1) Gulfport (17) Haines City (25) Hallandale (32) Hallandale Beach (15) Hampton (6) Harmony (4) Hastings (10) Havana (8) Hawthorne (14) Heathrow (2) Hernando (41) Hernando Beach (18) Hialeah (3) Hibiscus (1) High Springs (44) Highland Beach (8) Hilliard (9) Hillsboro Beach (2) Hobe Sound (79) Holiday (47) Holly Hill (12) Hollywood (144) Holmes Beach (17) Holt (19) Homestead (158) Homosassa (33) Homosassa Springs (2) Horseshoe Beach (1) Hosford (1) Howey In The Hills (13) Hudson (27) Hutchinson Island (53) Hypoluxo (4) Immokalee (1) Indialantic (92) Indian Harbor Beach (31) Indian Harbour Beach (63) Indian Lake Estates (9) Indian Pass (12) Indian River Shores (3) Indian Rocks Beach (15) Indian Shores (12) Indiantown (8) Inglis (3) Interlachen (15) Inverness (109) Islamorada (153) Island Grove (1) Jacksonville (925) Jacksonville Beach (60) Jasper (17) Jax (1) Jay (11) Jennings (10) Jensen Beach (153) Juno Beach (37) Jupiter (260) Kathleen (2) Kendall (8) Kenneth City (2) Key Biscayne (4) Key Colony Beach (34) Key Largo (270) Key West (178) Keystone Heights (14) Kissimmee (63) La Crosse (1) Labelle (83) Lacoochee (2) Lady Lake (37) Lake Alfred (5) Lake Buena Vista (2) Lake Butler (8) Lake City (239) Lake Helen (2) Lake Mary (31) Lake Panasoffkee (39) Lake Park (5) Lake Placid (5) Lake Suzy (1) Lake Wales (68) Lake Worth (66) Lakeland (22) Lakewood Ranch (4) Lamont (1) Lanark Village (24) Lanark Vlg (8) Land O Lakes (181) Land O' Lakes (18) Lantana (8) Largo (48) Lauderdale By The Sea (22) Lauderdale Lakes (8) Lauderhill (33) Laurel Hill (9) Lawtey (2) Layton (1) Lecanto (39) Lee (7) Leesburg (270) Lehigh (3) Lehigh Acres (418) Lighthouse Point (13) Lithia (31) Little Torch Key (31) Live Oak (122) Lochloosa (2) Long Boat Key (3) Long Key (4) Longboat Key (43) Longwood (33) Lorida (1) Loughman (1) Lowell (1) Lower Matecumbe Key (4) Lower Sugarloaf Key (4) Loxahatchee (22) Lutz (142) Lynn Haven (82) Macclenny (46) Madeira Beach (12) Madison (17) Maitland (20) Malabar (30) Malone (7) Manalapan (1) Marathon (79) Marco Island (316) Margate (72) Marianna (124) Mary Esther (47) Masaryktown (2) Mascotte (22) Matlacha (1) Mayo (82) Mc Alpin (3) Mcalpin (9) Mcintosh (2) Melbourne (482) Melbourne Bch (3) Melbourne Beach (107) Melbourne Village (1) Melrose (4) Merritt Island (86) Mexico Beach (72) Miami (468) Miami Beach (205) Miami Lakes (2) Miami Shores (3) Miami Springs (2) Micanopy (6) Micco (6) Middleburg (55) Midway (14) Milligan (1) Milton (212) Mims (3) Minneola (16) Miramar (214) Miramar Beach (54) Molino (10) Monticello (57) Montverde (10) Moore Haven (13) Morriston (14) Mossy Head (3) Mount Dora (63) Mount Plymouth (1) Mulberry (5) Myakka City (42) N Fort Myers (11) N Ft Myers (45) N Lauderdale (8) N Miami Beach (10) N Port (4) Naples (803) Navarre (380) Navarre Beach (21) Neptune Beach (14) New Port Richey (92) New Smyrna (7) New Smyrna Beach (264) Newberry (28) Niceville (128) Nmb (5) No Name Key (2) Nobleton (2) Nokomis (28) Normandy Isle (1) North Bay Village (36) North Fort Myers (74) North Lauderdale (28) North Miami (24) North Miami Beach (17) North Palm Beach (38) North Port (164) North Redington Beach (1) North Venice (1) Northport (2) O Brien (7) Oak Hill (6) Oakland (5) Oakland Park (37) Ocala (979) Ocean Ridge (7) Ochlockonee Bay (23) Ocklawaha (32) Ocoee (36) Odessa (64) Okeechobee (94) Oklawaha (1) Old Town (1) Oldsmar (20) Orange City (17) Orange Lake (2) Orange Park (169) Orange Pk (1) Orange Springs (11) Orlando (580) Ormond Beach (294) Osprey (10) Osteen (4) Overstreet (7) Oviedo (41) Oxford (20) Pace (86) Paisley (28) Palatka (4) Palm Bay (609) Palm Bch Gdns (1) Palm Beach (22) Palm Beach Gardens (177) Palm Beach Shores (8) Palm City (193) Palm Coast (800) Palm Harbor (159) Palm Springs (3) Palmetto (79) Palmetto Bay (1) Panacea (14) Panama City (292) Panama City Beach (1141) Parkland (144) Parrish (75) Pasadena (3) Pass A Grille Beach (10) Paxton (3) Pembroke Park (2) Pembroke Pines (332) Pembroke Pnes (3) Pensacola (299) Pensacola Beach (23) Perdido Key (44) Perry (29) Pesacola (1) Pierson (1) Pinellas Park (9) Placida (14) Plant City (28) Plantation (106) Plantation Key (13) Poinciana (9) Point Washington (10) Polk City (9) Pompano Beach (128) Ponce De Leon (10) Ponce Inlet (23) Ponte Vedra (11) Ponte Vedra Beach (88) Port Charlotte (432) Port Everglades (1) Port Orange (125) Port Richey (27) Port Saint Joe (131) Port Saint John (5) Port Saint Lucie (400) Port Salerno (1) Port St John (7) Port St Lucie (445) Port St. John (2) Princeton (1) Pt Charlotte (4) Pt Orange (1) Pt Washington (1) Punta Gorda (265) Quincy (17) Ramrod Key (21) Reddick (3) Redington Beach (5) Reunion (4) Ridge Manor (51) Ridge Manor Estates (1) Riverview (96) Riviera Beach (22) Rockledge (83) Roseland (1) Rosemary Beach (5) Rotonda West (19) Royal Palm Beach (68) Ruskin (25) S Daytona (1) S Fort Myers (1) Safety Harbor (25) Saint Augustine (178) Saint Augustine Beach (2) Saint Cloud (9) Saint George Island (118) Saint James City (1) Saint Joe Beach (59) Saint Leo (1) Saint Lucie West (17) Saint Marks (7) Saint Pete Beach (9) Saint Petersburg (87) Saint Petersburg Bch (4) Salt Springs (6) San Antonio (46) Sanderson (15) Sandestin (13) Sanford (61) Sanibel (111) Santa Rosa Beach (258) Sarasota (491) Satellite Beach (138) Satsuma (2) Seacrest (9) Seagrove Beach (44) Sebastian (114) Sebring (2) Seffner (10) Seminole (22) Seven Springs (1) Sewalls Point (12) Shady Grove (2) Shalimar (21) Shark Key (3) Siesta Key (22) Silver Springs (58) Singer Island (35) Sneads (13) Sopchoppy (11) Sorrento (23) South Creek (3) South Daytona (15) South Pasadena (3) Southport (30) Southwest Ranches (17) Sparr (3) Spring Hill (223) St Augustine (433) St George Island (27) St James City (10) St Joe Beach (6) St Lucie West (7) St Pete (1) St Pete Beach (5) St Petersburg (54) St. Augustine (1) St. Cloud (9) Starke (65) Station #1 (1) Steinhatchee (2) Stuart (527) Sugarloaf (2) Sugarloaf Key (16) Sugarloaf Shores (1) Sumatra (2) Summerfield (127) Summerland Key (38) Sumterville (13) Sun City (3) Sun City Center (7) Sunny Hills (7) Sunny Isles (43) Sunny Isles Beach (114) Sunrise (135) Sunset Island (1) Suntree (11) Suwannee (2) Tallahassee (381) Tamarac (102) Tampa (799) Tampa Palms (1) Tangerine (1) Tarpon Springs (62) Tavares (66) Tavernier (77) Temple Terrace (5) Tequesta (34) Terra Ceia (2) The Villages (54) Thonotosassa (2) Tierra Verde (13) Titusville (30) Town N Cntry (1) Treasure Island (9) Trenton (12) Trinity (35) Umatilla (42) University Park (6) Valkaria (3) Valparaiso (4) Valrico (56) Venice (208) Vernon (45) Vero Beach (1378) Viera (31) W Melbourne (21) Wabasso (1) Wakulla Springs (6) Waldo (7) Walnut Hill (2) Wauchula (2) Wausau (7) Waverly (1) Webster (69) Weeki Wachee (35) Weirsdale (16) Welaka (3) Wellborn (14) Wellington (86) Wesley Chapel (256) West Delray Beach (2) West Melbourne (66) West Palm Bch (3) West Palm Beach (234) West Panama City Beach (2) Weston (233) Westville (20) Wewahitchka (28) White Springs (17) Wilbur By The Sea (2) Wildwood (31) Williston (8) Wilton Manors (22) Wimauma (3) Windermere (36) Winter Beach (1) Winter Garden (26) Winter Haven (55) Winter Park (72) Winter Springs (19) Woodville (3) Yalaha (4) Youngstown (22) Yulee (59) Zellwood (5) Zephyr Hills (9) Zephyrhills (353) Zolfo Springs (1) Home | About | FAQ | Contact | Sitemap | Privacy Policy | Terms of Use | Help
Real estate prices and
Real estate price index, annual changes - Statistics Sweden Find: A-Z Content Search Find more on the website --------------------------- Agriculture, forestry and fishery Business activities Citizen influence Culture and leisure Education and research Energy Environment Financial markets Health and medical care Household finances Housing and construction Information technology Judicial system Labour market Living conditions National accounts Population Prices and Consumption Public finances Social insurance Social services Trade in goods and services Transport and communications --------------------------- Use Sweden's Statistical Database Maps About Sweden's Statistical Database --------------------------- Publication plan Publications About the publications --------------------------- International statistics Information and Library Economic statistics Regional statistics Methodology --------------------------- Information services Statistics Sweden's Business Register SCB International Consulting Order international statistics Order Swedish statistics --------------------------- Swedish Statistics Net Other statistical sources Housing and construction Real estate prices and registrations of title Real estate price index Per cent change from previous year. As a comparison the consumer price development is also shown Download Data and graphs for printing out (101 kb) Comments The graph shows the development of prices for one- and two-dwelling buildings for permanent living, buildings for seasonal and secondary use and multi-dwelling and commercial buildings. For one- or two dwelling buildings and buildings for seasonal and secondary use, the development is expressed as per cent change of real estate price index from the previous year. For multi-dwelling and commercial buildings it is the development of the purchase-price coefficient. The inflation rate has been included in the graph to further illustrate the development of prices. The late 1980s was a period with very rapid price increases. The downturn of the economy in the early 1990s ended this and the price level decreased for three years. During the latter half of the 1990s, price increases have again been considerable. For the whole period, consumer prices have increased at a much slower pace than real estate prices. Press information Statistical Databases More graphs on real estate prices Real estate price index, annually. 1981=100 To Economic statistics To Business cycle indicators Top of page Updated: 2005-06-01
land for sale has
Land for sale UK 09:14 | Thursday 29 December Land for sale UK * There are interesting land sales available for a variety of different uses, such as caravan parks suitable for motor homes, horticultural use, and farms or fincas. For further details click the E-mail Us button on the left. * Over recent years land for sale has proved to be the most attractive investment in Europe, and expert opinion states that the demand can only increase. * We are happy to advise those seeking land for sale, whether on a deserted part of the coast, a small village, the tranquillity of rural countryside, or in one of the more active holiday resorts. We have opportunities available for all forms of land for sale in Spain, on the Costa del Sol, the province of Malaga, and the region of Andalucia. * The increasing value of land in Spain, and particularly the Costa del Sol, shows no sign of slowing down, and over the last ten years has undoubtedly been the best investment. The ever increasing number of families wanting to live in a warmer climate continues to drive the price upwards. If you are considering looking for investment land on the Costa del Sol, we would be delighted to act on your behalf. * There are tremendous opportunities for investment land both here and abroad, from individual lots or building plots to larger tracts of land suitable for development. Tell us how many acres or hectares of land, is it for farming or a plot or lot of building land? If for a farm what type of earth and soil is important to you, which area? When are you hoping to purchase, by direct negotiation or at an auction? Do you have any existing land to trade? Land for sale UK - Historical Data Fascinating information in The Domesday Book Site Government information at the Land Registry Site Land for sale - Translations for those clients interested in Spanish land Agent - agencia Estate agent - inmobiliaria House - casa Home , of any type - casa Semi-detached house - adosado or adosao Detached house - casa unifamiliar Two floors - duplex Swimming pool - piscina Garden - jardin Town hall taxes - IBI Rubbish taxes - basura Electricity - corriente or la luz Electricity company - Sevillana - pronounced Seveelyarna Land - terreno Land for sale - terreno en venta Land investment in Spain - inversion en terreno Land for camping - terreno para camping Building land on the Costa del Sol - terreno para construir Built area , of property - construido. Floor area is measured in square meters Sq.m. - metros cuadrados or metro cuadrao Costa del Sol - sunny coast Lot or plot - parcela - pronounced par sella Lot for building - solar Town - pueblo Out in the country - en el campo For sale - en venta or se vende Legal document , of ownership - escritura Legal guy that checks legality - Notario Builder - constructor Plumber - fontanero Electrician - electricista Plasterer - escayolista Architect - architecto Camping - camping Build - construir - pronounced con stroo ear Land for sale UK Top : Land Investment UK - Home Home Land for Sale E-mail Us Webmasters Australia Canada Directories International UK USA Building Plots Hotels Insurance Land Development Metric Conversion Mortgage Resources Vacant Land Site Map
purchase property with other
Buying Property Abroad - Property Abroad for Sale Properties Abroad - Buying and Selling Property Abroad - 20:42:59 GMT Home | Contact | About Us | Viewing Properties | Purchase Procedure | Selling? | Work With Us | Resources | Useful Contacts | Exhibitions | Investment & SIPP email us: call us: +44 (0)20 8920 5260 UK local call: 0845 644 7611 Buying a property abroad? Search by Country, Region, Town, Reference or property name... Customise our site to show... Set Currency to -- Browse by Region -- SPAIN TURKEY FRANCE PORTUGAL CYPRUS MOROCCO EGYPT FLORIDA DUBAI -- Pre-release Investment Opportunities Please register your interest with us if you would like to be kept informed of any land or off plan property investment opportunities the moment they arise. Such investments offer rapid high returns. Please provide us with... NAME ADDRESS DAYTIME CONTACT NUMBER EMAIL INVESTMENT BUDGET MAXIMUM pureinvestment@propertiesabroad.com Thank you. Carol Mann Sales director SIPPS - Residential Property and Pensions It is now possible to purchase residential property in both the UK and overseas utilizing a Self Invested Personal Pension (SIPP) as long as completion does not take place before 6th April 2006. This means that your pension can buy property off plan today. The main requirements are as follows: The property must satisfy the lawyers and trustees in respect of due diligence ie the property or development must satisfy the necessary legal requirements such as planning permission, legal title, building licenses etc If let, the property should be managed by a professional letting and/or management company For property located in the UK, the income (rent) received will be free of income tax, and on the future sale of the property there will be no capital gains tax on the profit. For property located overseas, the tax position is yet to be fully clarified, but it is anticipated that there will be an element of income and capital gains tax that cannot be reclaimed if the purchase is overseas and that countrys tax regime dictates that income and capital gains tax is chargeable on investment property. The precise position in relation to taxation will be clarified later this year. Your SIPP will be able to borrow up to 50% of the total fund to assist with a property purchase. However, most trustees will require absolute certainty that the monies will be available in your pension fund at completion. This could be in the form of an unconditional mortgage offer at the time of paying the deposit, or a certainty that you or your company will make a contribution in the next tax year (when contribution limits and subsequent tax relief is greater than in the current tax year). It is also possible for individuals to collectively purchase property with other individuals pension funds. This syndication is straightforward and enables people who have smaller pension funds to pool resources. Some practical points if you dont already have all your funds in the right type of SIPP: You may have several pension schemes with a number of different insurers. Before you can consider a property purchase, you will need to transfer some or all of your pension funds to a SIPP with a company who have confirmed that they will allow you buy residential property now. In order to avoid any delay, and ensure that you buy your chosen property at the best possible price, it is possible for you to pay a reservation fee and initial deposit(s) from your own resources, and the property to be purchased from you, by your pension after April 2006. This will enable you and your adviser time to affect the necessary transfers to the SIPP to ensure that funds are available before completion. You will of course need to ensure that you will have sufficient monies in order to complete the transaction and cover all anticipated costs. Please ask us for further details if required. When the pension purchases the contract from you, this may create a chargeable event (we anticipate that the property will have increased in value between now and next April) and hence you may be liable for capital gains tax. This could be an opportunity for you to realize gains within your annual CGT exemption. For example, a purchase at one of our golf resorts would currently cost approximately £125,000. Assuming that prices increased by 6% between now and April 2006, the market value would be £132,500 and this is the price that the pension would have to pay. This would create a taxable gain of £7,500 which is within the annual exemption and would be tax free (assuming that you have made no other gains in the current tax year). If you purchase the property jointly, you could make gains of up to £17,000 without paying any capital gains tax. This gain could be invested in your pension in the next tax year (as a contribution), and enjoy tax relief. For a basic rate taxpayer, this would gross up to £9,615 and for a higher rate tax payer, £12,500. Hence, by acting now, you could effectively fund around 10% of the purchase price with some simple yet legitimate tax planning. If you have high earnings, paying tax at 40% (and available capital now), rather than paying £125,000 for a property, you could, through pension contributions post April 2006, pay as little as £67,500 for a property purchased today at £125,000 by a combination of the above, and the higher rate relief available on your post A day contribution. This equates to an immediate gain of 54%. You need to accept that the actual structure of the purchase and precise taxation implications have yet to be clarified for overseas property. It is confirmed however, that the purchase can take place, provided the property is deemed by the trustee to be suitable. Syndication We believe that there will be a great demand for collective property purchase, for people who want to combine a sound financial investment with the ability to use a property abroad for occasional personal use, but dont have sufficient funds in their own plans. For an additional fee, you can syndicate with other people to jointly own property and pool your resources. These other people could be family members, friends or colleagues. Because of the charges and other practical implications, we anticipate that this will be available to people who have a minimum fund value of around £25,000. Beneficiaries on death do not have to be the other syndicated owners, but the relevant documentation needs to be in place to deal with things like retirement and death in much the same way as company directors effect a shareholders agreement to clarify these issues. If you would like an information pack on SIPPs please call our office. Global properties Contact us for further information © 2005 Properties Abroad