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Home Finance | Mortgage Refinance | Home Equity Loans | Home Equity Line of Credit -- BUY A HOME SELL A HOME HOME LOANS NEW HOME CONSTRUCTION ABOUT US MY ACCOUNT Find a REALTOR ® Buy or sell your home and you may receive a Gift Card worth up to $1,000. Find a REALTOR ® Find a Builder with iNest and Get 1% Cash Back! Finance Your Home Get a Mortgage Refinance Your Mortgage Home Equity Loan / Line of Credit Online Credit Report Search Homes for Sale Start Your Search Home Price Check ® Additional Services Insurance Quotes Get a Home Warranty Get a Home Inspection Find a Mover Find Home Improvement Professionals Change Your Address Setup Your Utilities Learning Center Qualifying for Home Loan How Much Can You Afford? How To Choose the Right Loan You are here: Home | Home Finance Center Get Banks Competing for Your Home Loan RealEstate.com has partnered with LendingTree to provide you with up to four offers for a home mortgage in one easy step. 3 Great Reasons to Get Your Mortgage Now 1. Get Pre-Qualified Many homeowners will require proof of pre-qualification before they will consider an offer for purchase on their home,so be prepared. 2. Rates are Low Rates are still at record lows so get the best rate possible by getting multiple offers from Lenders. Youonly need to fill out onesimple form. 3. Customer Care Our customer care agents are here to help you through the entire process. Whether you are a first-time homebuyer or a veteran of homebuying, we have you covered. You can complete your mortgage request over the phone with one of our trained customer care agents. Call 1-800-RealEstate. We're here to help you. Already submitted a mortgage request? Login to view offers. We Also Offer the Following Home Finance Products Since rates are low, you may want to consider refinancing your current home. Need money for home improvement. It may be tax deductible. Check with your tax advisor first. Know Your Credit Score. Make Smarter Decisions. Credit Reports TM , Score Power ® and Score Watch TM give you the tools you need to understand, manage and use your credit wisely. Figure Out How Much You Can Afford Total gross monthly income: Total monthly debt: Monthly payments you can afford with 28% rule: Monthly payments you can afford with 36% rule: Are You Paying Private Mortgage Insurance? Facts About Adjustable Rate Mortgages Choosing the Best Mortgage Which is better: 15 or 30 year term? Are extra payments advantageous? What will adjustable rate payments be? Buying a Home | Selling a Home | Homes for Sale | Credit Report & Score | House Prices at Domania New Home Construction | Find a Mover | Find a REALTOR ® | Home Financing | Real Estate Learning Center Customer Service | Publications | For the Media | News Releases | Join Our Real Estate Network | Post Home Listings Privacy | Security | Terms of Use | Jobs | Disclosures and Licenses | Sitemap | Loans | Commercial Real Estate Houses for Sale in: Atlanta | Austin | Boston | Charlotte | Chicago | Dallas | Denver | Houston | Las Vegas | Los Angeles Miami | Minneapolis | New York | Philadelphia | Phoenix | San Antonio | San Diego | San Francisco | Seattle Washington, DC | Real Estate in More Cities LendingTree technology and processes are patented under US Patent Nos. 6,385,594 and 6,611,816. © 1998 - Real Estate.com, a service of LendingTree, LLC. All Rights Reserved.This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Conversion to LendingTree, LLC We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. REALTOR ® -- A registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics. Not all of the real estate professionals participating in the "Agent's Competing" program are REALTORS ® , which are members of the National Association of REALTORS ® . The Home Depot ® is not affiliated with LendingTree, LLC. The Home Depot ® is a registered trademark of Homer TLC, Inc. RealEstate.com is not sponsored by or affiliated with the parent franchisor companies of any of the participating members of its network. Partner Sites: Citysearch | Expedia | Hotels.com | Ticketmaster.com | Hotwire.com | Entertainment.com | Match.com Home Shopping Network | ReserveAmerica | LendingTree.com | iNest | ServiceMagic | Ask Jeeves | Gift Ideas Mortgage Calculator | Refinance at GetSmart | LendingTree Mortgage | Free Online Credit Report | Home Equity Loans

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Bob Bruss Real Estate Center An Audio Message from Bob Bruss Subscribe to Bob's Weekly e-mail update and get this Free Report: 2005 Realty Tax Tips: 8 Chapters of Tax Savings for Homeowners and Investors First Name: Primary E-mail Address: >> Order Bob’s Special Real Estate Reports only $4.95 each! >> Ask Bob a Real Estate Question >> Subscribe to Bob’s Newsletters NEW REPORT! “Foreclosure and Distress Property Profit Secrets” >> Order Why pay upwards of $300 per hour for real estate legal, tax or investment advice? Bob Bruss, America’s most trusted real estate expert, offers Special Reports on a wide range of real estate topics for less than $5.00 each! Bob’s columns appear in over 150 newspapers across the country, including the Washington Post, Chicago Tribune, Los Angeles Times and San Francisco Chronicle. Bob draws on more than 25 years of real estate writing, teaching and investing to bring you unbiased information that will help you make smart real estate decisions. Click above & get a free 6-month newsletter subscription! Bob's Notebook SIX KEY REAL ESTATE NEGOTIATION TIPS FOR BUYERS, SELLERS Determining other party's motivation paramount to success The year 2005 has been very good for most property owners and realty sales agents. Home sales prices appreciated handsomely in most communities and the sales volume of new and resale homes were near-record. But 2006 promises to be more "normal" as mortgage interest rates slowly rise, resulting in a modest new home construction volume decline with a corresponding residence market value appreciation and sales volume slowing. Having been through many real estate market ups and downs over almost four decades, both as an investor, sales broker, and realty writer, I've learned that success in a slowing real estate market requires paying greater attention to negotiation skills. NEGOTIATE WITH PEOPLE WHO WANT TO NEGOTIATE . As a lifelong student of real estate negotiation techniques, because there is always more to learn, I've discovered it usually is a waste of time to attempt to negotiate with people who are not highly motivated to make a change. Most experienced real estate agents hate the situation when a home seller lists their desirable property for sale with a top price but they really don't have a good motivation for selling. These sellers often have the attitude "If we can get our price, we'll sell. Otherwise, we won't sell." Their homes often take "forever" to sell. But in 2005, many homes sold for above their asking prices because buyers wanted to purchase more than sellers wanted to sell. A strong motivation for many buyers was to beat the long-predicted rise in home mortgage interest rates. The result was a "seller's market" in many communities with more qualified buyers than motivated sellers. However, as the number of residence listings for sale has risen recently and is expected to continue rising in early 2006, especially after the customary holiday 2005 year-end lull in home sales, many real estate economists are predicting a more normal balance of motivated sellers and buyers. The result should put a premium on negotiation skills for home buyers and sellers, as well as their realty agents, to conclude successful sales. HOW TO ACHIEVE A SUCCESSFUL NEGOTIATION . Whatever your role in a home sale, as buyer, seller or realty agent, you can't ask too many questions. Of course, the best negotiators inquire in a friendly manner interjected with compliments. Here are the six key questions to get answered for a successful home sale negotiation: 1. WHY IS THE SELLER SELLING THIS LOVELY HOME? One way or another, successful home buyers and their realty agents need the answer to this key question so the buyer can make a purchase offer which meets the seller's needs (of course, buyers should leave out the word "lovely" if the place is a dump!). As a long-time investor in rental houses, and my personal residences, I always try to tailor my purchase offers to meet the seller's needs (and mine too). For example, several years ago I bought a house from an elderly lady who was retiring. So I offered her 10 percent cash down payment and a 90 percent seller carryback mortgage to provide for her retirement income. When she saw my offer and how much she would receive from my payment each month, she accepted (although the listing agent previously told me she wouldn't carry back any mortgage financing). Another time a listing agent told me the retired sellers of an "el dumpo" house were living in a boarding house and needed cash. As a result, I figured they wanted an all-cash sale so I arranged 100 percent financing at a community bank. The sellers immediately accepted my low purchase price offer for cash. 2. WHAT WAS THE HOME SELLER'S PURCHASE PRICE? Buyers who don't find out the answer to this key question, either from the listing agent or their buyer's agent, are at a severe negotiation disadvantage. Here's why: If the seller purchased the home many years ago for a low purchase price compared to today's market value, that seller has lots of negotiation room. However, if the home seller bought within the last few years for a price not far from today's market value, there isn't much negotiation flexibility. Of course, if the seller has a high-motivation reason for selling, as disclosed by the answer to the first question, even a recent home buyer is often willing to sell in a quick sale for close to the seller's purchase price. Such a situation is an ideal candidate for the buyer to take over payments on the current mortgage with the lender's permission. 3. DOES THE OTHER PARTY HAVE A TIME DEADLINE? This is a question both home buyer and seller should ask of their realty agent. To illustrate, if one party has a job transfer, then purchase or sale of the home can be very important. But if the seller is moving to a retirement residence, time usually isn't so critical. However, if the seller already bought another home and needs to sell the current home to produce the down payment, then closing time is ultra-important. As experienced real estate agents know, the worst home buyers and sellers are those without any time deadlines. Those folks can take forever to make decisions. 4. HAS THE SELLER OBTAINED A PROFESSIONAL HOME INSPECTION REPORT? Today's smartest real estate agents suggest their sellers obtain a professional inspection report at the time of listing the home for sale. Then the seller is fully aware of most home defects and can either have the defect repaired or fully disclose it to prospective buyers, thus averting future lawsuits. Sharp home purchasers, and their buyer's agents, understand this trend. When a buyer is seriously interested in a house, always ask if the seller has already obtained a professional inspection the buyer can review before making a purchase offer. Even if the seller has obtained customary professional inspection reports, smart buyers should always include in their purchase offers a contingency clause for the buyer's approval of their own inspection report obtained at the buyer's expense. Most states now have some form of required seller disclosure statement revealing known home defects. However, many sellers are not aware of all their home's defects, or they might "forget" to disclose a defect. The old days of "caveat emptor" (let the buyer beware) have disappeared. Today, the new rule seems to be "let the home seller beware of the buyer and his lawyer." 5. WHAT IS THE BUYER'S MOTIVATION TO PURCHASE MY HOME? Just as home buyers need to know the seller's reason for selling, to create a harmonious negotiation situation, home sellers should ask why the buyer wants to purchase. Of course, there are many home purchase reasons. However, if the buyer has indicated a key reason why that particular house is under consideration, such as its great condition, outstanding school district, or need to move in quickly, the seller can use that information to enhance their negotiation position. 6. ASK AN OPEN-ENDED QUESTION, SUCH AS WHAT ADDITIONAL INFORMATION SHOULD I KNOW BEFORE MAKING A DECISION? There are many variations of this question home sellers and buyers can ask, especially of their real estate agents. To illustrate, a home buyer might ask their buyer's agent "What else should I know about this house?" Or the seller might ask their listing agent "If you were in my situation, would you accept or counteroffer the buyer's purchase offer?" SUMMARY : When negotiating a home sale, sellers and buyers can't ask too many questions to enhance their negotiation position. The prime reason is to determine how motivated the other party is to buy or sell. If there is weak motivation, you aren't in a strong negotiation situation. However, if the other party is highly motivated, then you are in a strong circumstance to negotiate your strongest price and terms. More details are in my special report, "How to Become a Super-Successful Real Estate Negotiator," available for $5 from Robert Bruss, 251 Park Road, Burlingame, CA 94010 or by credit card at 1-800-736-1736 or instant Internet PDF delivery at www.bobbruss.com . Back to top © 2005 Inman News Home | Real Estate Reports | Real Estate Newsletter | About Bob Bruss | Site Map

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Intellectual Property Digital Library Welcome PCT (Patents) PCT Online File Inspection Trademarks Designs Article 6ter Appellations of Origin Resources [ Printable version ] Home > News & Information Resources > Intellectual Property Digital Library Intellectual Property Digital Library Search: Database: **Select** PCT (Patents) Trademarks Designs Article 6ter The Intellectual Property Digital Library Web site provides access to intellectual property data collections hosted by the World Intellectual Property Organization. These collections include PCT (Patents), Madrid (Trademarks), Hague (Industrial Designs), Article 6ter (State Emblems, Official Hallmarks, and Emblems of Intergovernmental Organizations) and others . Access a detailed index of all IPDL data collections . The form above allows you to conduct a simple search for terms occurring within any field of a givendatabase. For a more advanced interface allowing fielded term searches,pleaseselect a database from the left-hand menu. Frequentusers who would like to maintain a search query history across connectionsshould set up a free user account . Registered Users Log in Other Data Collections International Classifications Industrial Property Statistics Collection of Laws (CLEA) New addition PCT Online File Inspection : This service provides access to over one million published PCT international applications and to the latest bibliographic data and documents contained in the files of PCT international applications. Terms of use

Investment Property

MiNC offers prime investment properties at former home of Wimbledon Football Club, London | MiNC Property Enterprises Thursday, December 29 - 2005 Home | E-mail | MediaCentre | User Login AME Info - the ultimate Middle East business resource AME Info - Arabic Version Index : Company News : MiNC Property Enterprises Browse related articles Next article » MiNC offers prime investment properties at former home of Wimbledon Football Club, London MiNC Property Enterprises, the Dubai based property wealth managers, has announced its latest property offering at the former home of Wimbledon Football Club at Plough Lane, South West London. United Arab Emirates: Sunday, December 18 - 2005 at 16:00 GMT+4 Haroon Mahmood, Chairman of MiNC Property Enterprises. sponsored link What is a sponsored TextLink? related stories MiNC launches Marina Suites, a new Hospitality Sector Property Investment Opportunity at Dubai Marina MiNC launches Capulet House in London New development in London's 'Third City' goes on sale MiNC offers new development in the London Docklands MiNC buys up International City buildings More MiNC Property Enterprises stories » This development by David Wilson Homes is a few minutes walk from Wimbledon Town Centre and Wimbledon Park Underground Station. It is comprised of 570 units which are expected to be ready by December 2007. MiNC is offering 54 fully furnished one bedroom apartments for sale with prices starting from £215,000 which will include a free parking space. Haroon Mahmood, Chairman of MiNC Property Enterprises, said, 'We want to bring unique investment opportunities to the doorsteps of overseas property investors in the region.' 'The Plough Lane development in Wimbledon is an upcoming residential area and holds significant potential for property appreciation. We also offer investors guaranteed rental income as a risk cushion on property investment. Our aim to be the leading property wealth manager in the region.' MiNC Property Enterprises is a well established property wealth management company with offices in Dubai, London and Johannesburg and currently manages a substantial portfolio of property including some high-profile developments in London and Dubai. The company's services include residential investment, investment portfolio development, independent mortgage/remortgage assistance, lettings and furnishing/interior design. ARTICLE OPTIONS Add to Watchlist Save E-mail Print PDF Log in to request more information from MiNC Property Enterprises Related site: http://www.mincproperty.com Notes and media contacts For further information, please contact: John Hobday Citigate / Incepta Middle East Telephone: 04 332 8832 Mobile: 050 464 8706 Manash Bhuyan Citigate / Incepta Middle East Telephone: 04 332 8832 Mobile: 050 841 9631 Simon Everest MiNC Property Enterprises Telephone: 04 3300334 Mobile: 050 4584818 Headquartered in London with offices in Dubai and South Africa, MiNC Property Enterprises has more than 27 years experience in the international property market. MiNC is a property wealth manager which focuses on delivering higher returns on its portfolio of international properties. MiNC has an ongoing strategy to own joint-venture stakes in new developments which result in cost savings that can be passed on to potential investors. MiNC also provides mortgages, furnishing, management, maintenance and other turnkey services to property buyers and investors. Posted by Anne-Birte Stensgaard, Senior News Editor Sunday, December 18 - 2005 at 16:00 UAE local time (GMT+4) Replication or redistribution in whole or in part is expressly prohibited without the prior written consent of AME Info FZ LLC. Index : Company News : MiNC Property Enterprises Browse related articles Next article » Today's most read articles: » Dubai pedestrian bridges » Siemens $2.1bn Saudi contract » Foreign ownership change on way » Dubai Sports Channel rebrands » UAE banks head for record growth Most read articles the past week: » Mobius notes Dubai oversupply » Dubai buys $100m German mall » $4bn Qatargas 3 and 4 contract » The Palm 10 year wait » MPs oppose $8.5bn Project Kuwait Trackbacks: 0 Disclaimer: Articles in this section are primarily provided directly by the companies appearing or PR agencies which are solely responsible for the content. The companies concerned may use the above content on their respective web sites provided they link back to http://www.ameinfo.com Any opinions, advice, statements, offers or other information expressed in this section of the AME Info Web site are those of the authors and do not necessarily reflect the views of AME Info FZ LLC. 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Ex-Treasury chief Draghi to head Bank of Italy (Reuters) Reuters - Mario Draghi, an investment banker andformer Treasury official, was named Bank of Italy governor onThursday to succeed Antonio Fazio, who quit over a banktakeover scandal that tainted the country's image. London shares end firmer (AFP) AFP - Leading shares closed higher, with gains in Hilton and further strength across the mining sector helping the FTSE 100 reach fresh 4-1/2 year highs in the last full trading session of 2005, dealers said. Putin sees 'crisis' as Russia-Ukraine gas dispute goes to the wire (AFP) AFP - Russia and Ukraine are in "real crisis," President Vladimir Putin said, as negotiations to resolve a gas price dispute went to the wire ahead of a January 1 deadline for Ukraine to accept a steep increase or see supplies cut off. International Team to Review Iraq Results (AP) AP - An international team has agreed to review Iraq's parliamentary elections, announcing Thursday that members would travel to Iraq in response to protests by Sunni Arab and secular Shiite groups that the polls were tainted by fraud. What is this? | Business Directory » Advanced Search Browse by Category » Top 25 Business Sites » Public Companies 299,383 companies from 14 Middle East countries. The news you choose Add MiNC Property Enterprises to your personal Watchlist and get notified when new articles are posted here. » Log in | Why register? News and Articles » Advanced Search Most Read Articles Latest Articles Posted Newsletter Subscription Submit Press Releases Current Events » Advanced Search » Conferences » Exhibitions » Seminars 1,047 upcoming events in the Middle East. Advertisement » © 1996 - 2005 AME Info FZ LLC. All rights reserved. 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: Real Estate Singapore Property Agent Listings : my favourites | my saved searches | about us | contact us | faq | property prices register login Browse All | Property Search | Home Post Property Ad Property Search Rent / Buy Guide Market Research Useful Tools Singapore Property News As interest rates takes the high road First HUDC flats to go en-bloc Balmeg Court in West Coast sold for $79.2m CapitaLand tops Orchard Turn bid HDB may launch a Reit: Report 'Orchard fever' spreading Keppel Land unveils $631m Reit Sales of detached homes hit a high Get smart about overseas properties CapitaLand aims to double market value in five years Reits fall due to rising interest rate worries Emerald Lodge up for sale Our Services We make it easy for you to buy, sell and rent Singapore property online ... proven results and at very affordable rates. - Post Property Listings - Website Setup - SMS Broadcast - Project Specialist Sell or rent your property on IT Realtor (Singapore)! 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Sponsored Links Singapore real estate agents Collective sale lawyers Singapore cars online Singapore dvd movies rental Singapore free classifieds Quick Property Links Singapore auction properties Near international schools Latest property launches 2005 Qtr 2 market updates MRT subway map Singapore Condo Project The Makena The Shelford The Teneriffe Sign up as specialist agent! RSS XML Data Feeds Property Listings Marketing Tips Singapore Real Estate | Property Listings Singapore | Singapore Properties Singapore Real Estate Property Listings Browse All Properties (331) | Advanced Search Real estate properties in Singapore Singapore property listings website featuring updated real estate listings in Singapore for sale and rental. Our online database is similar to MLS systems and allows property agents, owners, sellers, buyers and tenants to post and browse Singapore properties online easily. Available property listings are focused on the Singapore residential housing sector, ranging from hdb flats (public housing) to private apartments, condominium projects and landed properties ... more info about us Post Singapore property listings We welcome all real estate agents, agencies and home owners to register for free and post your Singapore property listings. A single posting costs only S$5.00/= and each property listing will last for 90 days. Special rates for property agents and agencies are available! Our service packages will definitely maximise the returns on your marketing expenses. Other e-marketing services include website design, setup and seo marketing, sms broadcasting and condo project specialist webpage ... more about our services Find Singapore properties Search for properties in Singapore - Home buyers and tenants searching for properties in Singapore can choose our general browse property or quick search property functions. Our property listing pages provide you with interior and exterior photos, site plans and floor plans, detailed information of the properties and their internal features, furnishings and map links showing the nearby transport networks and amenities. We also show you the facilities within apartments and condominium projects so you can easily preview the projects prior to the house viewing proper. All our advertisers, either agents or owners, contact information are available within the property pages so you can get in touch with them directly whenever you find a property that interests you. Singapore real estate guide A general guide to buying, selling or renting a property in Singapore - Learn more about Singapore's real estate market and the standard fees (agency & valuation) payable, neighbourhood analysis, pricing, standard lease practises in Singapore and find currently available auction sale properties. Singapore property market research Need to find out more about the current property market activities, rulings, guidelines? We have compiled the latest research materials on Singapore's real estate market. These materials should be able to provide greater insight into the market trends and developments. Real estate software & other tools Calculation of mortgage payments, loan amount estimation, investment analysis. Links to CRM softwares, property listings compilation softwares. Also included are recommended links to other real estate websites in Singapore, Asia and International property portals. our sponsors advertise here S$199 Featured Listings Big semi -D @ off Sixth Avenue ~Casa Cairnhill advertise here Home : Post Property Ad : Property Search : Rent / Buy Guide : Market Research : Useful Tools : Links : Services © Real Estate Singapore Property Agent Listings | 2003-2005 | Terms Of Use | Site Map