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Commercial Real Estate Directory Commercial Real EstateLinks of Interest Vandema Vandema Commercial Real Estate Home U.S. | Canada | Mexico | International Real Estate Marketing - Search engine marketing solutions. Referwork - A directory of contractors for home improvement projects. RealCash4Notes - Buyer of annuities, structured settlements, mortgage notes, business notes and commercial notes. Weekend Millionaire - A book on how to become wealthy in your spare time. Landlord's Cash Flow Analyzer - Real estate investment software to evaluate a rental property by determining cash flow, rate of return, profitability, and more. Rent Manager Property Management Software - Property management software with full accounting, work orders and utility billing features. Landlord's Source Centre - Provides legal resources, online courses, legal forms, books, eviction and collection service, advice to landlords throughout Canada, the U.S. and Europe. Land Value Analysis Software - Feasibility study software to evaluate land suitable for development. Realty Software - Property management software for all types of rental property. One Minute Millionaire - Money making book by Mark Victor Hansen and Robert G Allen. Hospitality Properties for Sale - Hospitality properties for sale, including inns, resorts, hotels, motels, cottages or bed and breakfasts for sale in the US, Canada and the Caribbean. SpaceForLease.com - Specialized in listing commercial lease opportunities for brokers, landlords, management companies and tenants in the U.S. and Canada. EasyIVR.com - 800 number answering service and message broadcasting with predictive dialer for real estate marketing. EZRealEstateSolutions.com - Application Service Provider (ASP) specializing in the rapid deployment of fully customized websites. Multiple Listing System - Software used to manage real estate listings for agent, broker, appraiser and the mls. AZZ Cardfile Software - Software with the ability to store and retrieve various bits of information in free form. RentRight Property Management Software - Software for management of rental property, including late fee calculations, helpful reminders and comprehensive reporting. Homeowners Insurance Quotes - Offers competitive rates on home owners insurance from leading insurance companies online. Dealmakers@Property.com - Internet portal on retail real estate, with on-line newsgroups, newsletters and links. MLS America - Provides tools and promotional products, including contract forms on CD. Nolan Realty - Private online auction site for home owners, builders, lenders and Realtors. Peak Property Management Software - A consolidated database program, providing centralized access to data for internal and external use, including over 250 reports. Real Estate Investing Depot - Real estate investing resources, including courses, books, tapes, software and more. Real Estate Promo . com - Resources for real estate investors, including information on local investment clubs, realtors and mortgage brokers, reports and newsletter. Personal-Website.com - Offering custom designed websites, including domain name, web hosting, e-mail and an online web editor. Real Estate Investment Analysis Software - Commercial and residential income property analysis software for the investor and the real estate professional. Web Site Builder for Real Estate Agents - Beetown My Listings is a full-featured, fully hosted and self-managed web site builder designed for real estate agents. Land Partners - Provides land development and management services to private enterprises and government agencies, for right-of-way and site-specific projects. Propoco Inc. - Delivers value-added re-sourcing services to clients through asset management, capital planning, equipment procurement, and technology management programs. Custom Design Software, Inc. - Software designed to determine the investment potential of real estate. Realtor Technology Tips - Free internet marketing instruction, web site instruction and resources for real estate professionals seeking to enhance their internet presence. EquiReal Equity and Investments - Search for investments, promote planned developments, acquisitions and listings. Professional Real Estate Software - Marketer of professional real estate software. ABC's of Real Estate consumer guide - Providing mortgage and real estate consumer information and resources to home buyers and sellers. RealHomeGuide - Home and garden and real estate directory of sites. Proforce.net - Supplier of Adobe Acrobat real estate software and forms. Encyclopedia of Real Estate Terms - Providing detailed real estate definitions of over 8,000 terms. Real Estate European Union - Provides mortgage and real estate consumer information and resources to home buyers and sellers in the European Union. Lending Affiliates - Websites can earn revenues by offering mortgage sources, credit repair options, and free mortgage calculators. PowerHomeBiz.com - Small business resources to help you start, manage and grow your home business. Realhound.com - Commercial real estate tracking & analysis software. IP Ware - Investment analysis software for commercial real estate and residential investment property. SAPROP - A reference directory to assist the commercial property and industrial property owner, tenant, or manager, to locate associated services. Annuity & Insurance Gateway - Insurance Information Gateway Health, life, burial, disability, medicare supplement and long term care insurance. Lawguru.com - Legal questions, answers and research. Home & Garden Directory Page First Choice Resorts and Investments - Commercial real estate services for both buyers and sellers. Secure Commercial Real Estate - An in-depth guide to secure the physical aspects (construction details, investment grade, operations and environmental issues) of an investment opportunity. Lasertech Floorplans, BOMA for commercial realestate - LASERTECH uses advanced laser measurement and CAD technology to service the US Commercial Real Estate Industry. GoLeads: Unlimited access to over 12 million US businesses Institutional Real Estate, Inc. The Real Estate Web - Free real estate related clipart, web design help, and learning links, for those who wish to create and maintain their own Real Estate Related Website. APT Funding - Commercial Real Estate Loans. Abacus Real Estate Foreclosures - Search for real estate foreclosures in your area and get property details, photos and contact information. The RuralEstate Network Professional Education Associates - Environmental, real estate and land use publications, consulting and education seminars. Bertram and Meade International - Mortgage loans, real estate loans, commercial mortgage loans, and mortgage financing. The Paper Source - Resources for sellers, investors and brokers of private mortgages and other receivables. InvestorLinks, Comprehensive Financial Resource Website The Real Estate Pro's Internet Edge IncomeMax.com - Your Source for Making Money on the Web. Lease2Purchase.com - A lease purchase lease options creative real estate resource center. Lile Office Moving and Industrial Relocation Real Estate Cyberspace Society MyRealEstateOffice.Com - Real Estate Software & Directory Manufacturers' News, Inc. - Industrial Directory Compiler with sales Leads in Print, on Disk, and On-line. Custom Mailing Lists and Databases. RainMaker Financial Affiliates - A network of commercial mortgage brokers and lenders. Loan Masters, Inc. The Real Estate Consultant - The largest real estate resource on the Internet. Free contracts and forms, brochures, home search wizards and more. Underwriter's Toolbox - Industry, market, and tenant statistics to help support underwriting analysis and decision-making. The e Commercial Real Estate Information Source Many-Thanks.com - The world's best way to say thank you. The Northwest Landlord and the Rental Property Reporter For info fast, dial Find11.com Get in touch with us by Other Commercial Real Estate Resources

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SPSS, Data Mining, Statistical Analysis Software, Predictive Analysis, Predictive Analytics, Decision Support Systems [ Skip Global Navigation ] Search Home Software and Solutions Customers Training Services Store Support Partners News Events About SPSS Welcome to SPSS.com. Click here to login or register on SPSS.com. Regional Web Sites Argentina Australia Austria Belgium Brazil Canada Czech Republic China Denmark Finland France Germany Greece Hungary Ireland Israel Italy Japan Lithuania Mexico Netherlands Norway Poland Portugal Russia Slovenia South Africa Spain Sweden Switzerland Turkey United Kingdom United States Enabling the Predictive Enterprise Is your organization a Predictive Enterprise? Companies that use predictive analytics experience a significant return on their investment. Learn more about the ROI that SPSS predictive analytics solutions deliver. Find out why SPSS is uniquely qualified to help your organization become a Predictive Enterprise. After modeling with Predictive Marketing, we were able to reduce our costs by 30 percent. View other customer success stories . Business Solutions Marketing Effectiveness Fraud Detection and Prevention Risk Management Operational Improvement -- Market Research Public Health and Safety Administration and Institutional Research Scientific Research Technologies Business Intelligence for the iSeries Data Mining Predictive Analytics Statistics Structural Equation Modeling (SEM) Survey Research Text Mining Web Analytics Solutions for Your Industry Education Financial Services Government Insurance Market Research Retail Telecommunications All products Papers and Demos Evaluate SPSS for Windows statistical analysis software More papers and demos News Australia's Direct Mail Provider Virid Achieves 200 Percent Campaign Profitability with SPSS Software Read More | Press Releases | News Room | Press Contacts Events Online Seminar: ShowCase Virtual User Group: "Microsoft Excel Add-ins for Essbase", January 26, U.S. Register today | More Events New! SPSS 14.0 Discover the powerful new features of the most recent version of SPSS. Learn more! SPSS Directions User Event Now on two continents! Get more information about Directions 2006 ! New! ShowCase Suite 7.0 New ways to manage your business using flexible analytics and information delivery ! Investor Relations | Worldwide Offices | Site Map | Contact Us | Terms and Conditions | Privacy Policy © 2005 SPSS Inc. All rights reserved. SPSS Inc. Headquarters, 233 S. Wacker Drive, 11th floor Chicago, Illinois 60606

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Federal Home Loan Bank of Dallas W e are a cooperatively owned wholesale bank that supports housing and economic development in the communities served by our member institutions in Arkansas, Louisiana, Mississippi, New Mexico, and Texas. Our credit products and other financial services help members deliver financial products to fund housing, small business, rural development and agriculture. Specialized community investment and affordable housing loan and grant programs help finance community redevelopment and expand affordable housing opportunities. Members include commercial banks, savings institutions, credit unions and insurance companies. In The News • Community Investment Program Update • Bulletin 2005-14 Dividend for Fourth Quarter 2005 • Disaster Relief Advances for Texas Counties Affected By Fire • Advisory Council Appointments • Disaster Relief Grant Program • Disaster Relief Advances Available for Louisiana, New Mexico, Mississippi and Texas Quick Links • Investor Relations • Guides & Forms Send comments, questions, and suggestions to fhlb@fhlb.com . © 2005 Federal Home Loan Bank of Dallas. All Rights Reserved. FHLB Dallas website information disclaimer . The material on this site is for informational purposes only. By moving to the next screen, all viewers acknowledge that the presentation of this material (i) does not represent investment advice, (ii) does not constitute an offer to extend credit, a grant or subsidy, and (iii) does not constitute investment solicitation or an offer to buy securities. It is the sole responsibility of the user to check the accuracy of assumptions or other information contained on this site. VIEW FEDERAL HOME LOAN BANK OF DALLAS - World Wide Web (www.fhlb.com) PRIVACY and SECURITY DOCTRINE

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Buying Property in France Web TransitionsAbroad.com Home Work Study Travel Living As seen in Transitions Abroad Magazine March/April 2000 Related Topics Living Abroad Related Articles Legal Living in France Moving to France Buying a Home in France Property in France How to Find It, Buy It, And Live in It By Phyllis Cohen Buying property in France is not just for movie stars and celebrities. Ordinary people with a passable knowledge of French (or a friend who speaks it) and a lot of patience can acquire a bit of magic too. But before you attempt it, arm yourself with knowledge of how to find your special place, how to buy it, and how to live in it. Finding the Place As you look for what you want, here are several things to bear in mind: Don’t expect American state-of-the-art appliances, floor layouts, or conveniences. Part of the charm of old buildings is that they are old, and that includes the kitchens and plumbing. Decide if you want a pied-à-terre (a small place where you can comfortably stay for several weeks or months at a time) or a year-round residence. Generally, an apartment is sold with an empty kitchen—four walls and a water outlet. There are stores that will help you design and install your own kitchen, ranging from pre-fabricated cabinets at IKEA to a kitchen created by cuisinistes . Get at least three estimates as well as references before selecting your vendor. If you will be in a city, decide whether or not you will have a car. Parking in Paris is difficult; having a parking place can greatly increase the resale value of your place. France offers a wide variety of locales. Before you go to the effort of buying something, you really need to explore. Paris itself is divided into 20 arrondissements , each with its own character. If you are willing to live in the banlieue , or suburbs, prices drop dramatically. Properties in the countryside are considerably cheaper. Finding the right house or flat is more complicated than in the U.S. There is no such thing as Multiple Listings in France. Only 30 percent of real estate transactions occur with the help of realtors; the rest are directly between buyer and seller. As a foreigner, you might be more comfortable working through an agent, or agent immobilier , who knows the laws of France. Getting Started Let’s say you’ve decided to buy an appartement in Paris. Walk the streets to find an area you like, then hunt down some agencies that look promising. You can also check out the listings and realtors in various magazines, newspapers, and on the Internet. There is relatively little new construction in Paris. Those apartment complexes that are being developed are usually sold when ground is first broken; in other words, you basically buy an apartment two years before it is completed. Occasionally, you will find almost-completed apartments listed in newspapers and real estate magazines.If you are truly brave, you can buy a place at auction. Notices appear in newspapers such as Le Figaro and the International Herald Tribune. Let the buyer beware. At least take an architect with you when you go to look at the offering. Reading Listings No matter where you find your listings, they will all be posted as À Louer (For Rent) and À Vendre (To Buy). They will also tell you what arrondissement (if in Paris) or département (if in the rest of the country) the property is located in. Perhaps most importantly, they will give you the size in square meters and the number of rooms. Most apartments in Paris are small. Studios are 100-200 square feet, some smaller. Three-bedroom apartments are frequently under 1,000 square feet. Listings will tell you how many rooms there are other than the kitchen. A studio is one room. A one-bedroom apartment will have two pièces, or two rooms, plus the kitchen. Bedrooms are almost uniformly small, while the living rooms are comparatively large. Bear in mind that the French follow the European convention of counting the first floor as the ground floor (Rez-de-Chauseé or RdC); the second floor in American terminology is the first floor in Europe. Generally, the higher the floor, the more expensive the property. Closing the Deal Once you have decided on a place you like at a mutually-agreed upon price, you and the seller sign a document known as a promesse de vente . This is a legally binding document that confirms that the seller must sell the property to the buyer. The buyer, however, has 11 days to change his mind. The seller must also provide to the buyer an accurate floor plan of the apartment or house. All sales in France are conducted with notaires. Both the buyer and seller has his own notaire and they confirm that all aspects of the sale are done according to law. If you are buying a condominium, there will be a set of rules that govern the building. As an owner, you are a co-proprietaire and are bound by the laws of the building. Owners collectively determine such things as whether you are allowed to install a satellite antenna on your balcony, whether the building as a whole will subscribe to cable TV, how often and how much money will be spent on repainting the walls, etc. Do not make the mistake (as we did) of not personally reading all regulations before you sign. As a foreigner, it is advisable to hire an avocat , or lawyer, who specializes in real estate. In case of a disagreement, you are far better off having someone who knows the law and knows how to speak French. Tax Considerations Before buying property in France, you should know that the Government of France has very specific inheritance laws. By law, on your death your property is divided equally between your spouse and your surviving children. There are some steps you can take to ensure that the surviving spouse can continue to live in the house or flat. Speak with a lawyer about this before you buy the property. You will pay between 8 and10 percent in taxes and fees. If you buy an apartment less than five years old, however, you will pay only 3 to 5 percent or less. Ask also about property taxes, which tend to be less in Paris than in the country. Generally, you will be responsible for both a land and a habitation tax. A larger question is your residency status. If you reside in France full time and earn a living here, you will become part of the French social system. The taxes are extraordinarily high (more than 50 percent). Again, you should seek the advice of a tax attorney who is familiar with both the American and French taxation systems. You can get a list of attorneys from the U.S. Consulate. Financing If you are able to pay cash for your new home, you will not need a mortgage, and many properties for sale in the country might well be within reach of your savings kitty. If you need a mortgage, things become a bit more complicated. A French bank will issue a mortgage to expats as long as you can show regular income. By French law the total of all of your mortgage payments worldwide cannot be more than 30 percent of your total income.Lastly, you must have mortgage insurance for a large mortgage and a physical examination at the bank’s expense. If you do not fall neatly into an income category (e.g., you are retired without a fixed income), Banque Woolwich is a good resource. The staff are used to dealing with expats and speak excellent English (Banque Woolwich, 9, rue Boudreau, 75009 Paris; 011-331-42-684-221, fax 011-331-474- 203-23; www.woolwich.co.uk ). Mary Fort is branch manager.The good news is that mortgages in France currently have excellent rates. Most mortgages (or “prets”) are for 15 years and currently run 4.5 percent annually. Once you are here in France, an excellent book to read is At Home in Paris , published by the Junior Service League of Paris. It gives all sorts of hints on differences of living in the States versus France (like how to make sure your laundry pipes don’t clog up with deposits). Living in France is a free publication, in English, that gives useful information on housing, employment, banking, insurance, etc. It can be found at various establishments around Paris that cater to foreigners. To absorb the flavor of a buying experience, read Peter Mayle’s A Year in Provence or Francis Mayes’ Under the Tuscan Sun. Both give agonizingly accurate pictures of the adventure of buying property abroad. All in all, buying property in France might seem like a daunting experience, but it is not an unpleasant one. Contrary to France’s reputation of being inhospitable to foreigners, we have found the opposite to be true. With the notable exception of a few surly cab drivers, we have found the French to be polite and helpful. And as we take our evening walks across the Alexander III bridge we can’t help but be amazed that a small part of this City of Lights belongs to us! Real Estate Listings De Particulier A Particulier (From Buyer to Seller), published weekly on Thursdays, is the most popular nationwide resource. L’Hebdo Immobilier (Weekly Realtor), published weekly on Wednesdays, also has an Internet site at www.immobilierenfrance.com . Demeures de France, a bi-monthly publication that specializes in upscale offerings, is in English and in French and also has an Internet site at www.demeures.com . Demeures de Charme is similar to Demeures de France, and is also in English and in French. FUSAC , a bi-weekly free publication for English-speaking residents of Paris, has advertisements for rentals, purchases, and agencies which can help you do either. FUSAC is available at many locations around the city including W.H. Smith and Brentano’s, two English-language bookstores. PHYLLIS COHEN and her husband Bob have taken a year off from their software company, packed their bags, and moved to Paris (See " Moving to France " in the January February Issue of Transitions Abroad Magazine). Web TransitionsAbroad.com Home Work Study Travel Living Disclaimer ©Transitions Abroad

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Denver Real Estate - Find Realtors and Denver Homes using Realtor.com DENVER REAL ESTATE Are you looking for real estate in Denver or the surrounding area? Realtor.com has great information about Denver real estate , Denver neighborhoods and suburbs, new and existing Denver homes, and Denver-area Realtors. When it comes to real estate, Denver is a competitive market. Realtor.com stays on top of it for you, offering you the most comprehensive and current directory of Denver real estate listings you'll find anywhere. Take a look at the Denver real estate information you'll find at Realtor.com: Denver Homes: Realtor.com has over two million active home listings nationwide. If a Realtor is listing a home in Denver or the surrounding area, you'll find it at Realtor.com, along with relevant details like description, property photos, maps, and neighborhood information. Realtor.com's listing of Denver real estate includes both existing Denver homes and new construction, so no matter what your taste or budget, you'll find plenty of home options. Denver Realtors: Almost anyone can sell you real estate, but only Realtors are backed by the National Association of Realtors and are bound by its strict Code of Ethics. Realtor.com is the headquarters for Denver Association of Realtors and is eager to help find a Realtor near you. Home Buying Help: Realtor.com has the information you need for buying real estate in Denver. For all sorts of real estate information -- ranging from how to sell your present home to real estate tax information to finding a competitive local mortgage lender or contractor -- Realtor.com helps you from start to finish.