Florida Real Estate Bubble

Florida Real Estate Bubble Stock Market Crash History Bear Market Forecasting Stock Market Crash! - The authority on the market crash phenomenon Home | Site Map | Blog | News Term Glossary | Book Review | Bear Market Sites Florida Real Estate Bubble The 1920’s, in America, were a time of great prosperity. Skilled and educated working Americans had jobs providing numerous fringe benefits, paid vacations and pensions. In addition, automobiles were becoming commonplace for the wealthy and middle class allowing cross country travel. This good fortune set the stage for the Florida real estate bubble . Starting in 1920, many Americans became enamored by the materialistic and prosperous lifestyle of the time. During this time, the stock market was moving forward at an extremely fast pace. Many investors were becoming quite wealthy. Florida became a hot spot for these newly rich people, who didn’t enjoy the cold. Many whole families took vacations to Florida. It was at this point that tourism started booming and land prices were skyrocketing. Many astute investors took notice and started buying Florida real estate. The population in Florida was growing exponentially and housing couldn’t meet the demand. Florida became the “playground of the rich and famous”. Illegal casinos and drinking parlors became widespread in Miami. At this point, almost anybody could invest in Florida, even without much money. Credit was plentiful and soon everybody in Florida was either a real estate investor or a real estate agent. In 1922, the Miami Herald became the heaviest newspaper in the world as a result of its humongous real estate advertisements. People in the North heard about the real estate prices “doubling and tripling”, causing a snowball effect. Capital was rapidly pumped into the real estate market. Whole golf communities were developed, such as Temple Terrace. Resorts and retirement communities were developed almost overnight. Mansions were sprawling in every area, as were swimming pools. As always, waterfront property was the most desirable. Florida was seen as a veritable Utopia. Real estate prices quadrupled in less than one year. An elderly man invested $1,700 in property and by 1925 the property was worth over $300,000! It seemed you could do no wrong by just buying any property in Florida and become a millionaire. By 1925, real estate prices had become so exorbitant that buying land wasn’t affordable any longer. New investors failed to arrive and old investors started to sell. Panic arrived, as it always does, and the real estate market crashed. Prices kept moving downwards as heavily indebted investors tried to sell to avoid bankruptcy . In most cases, no buyers arrived, and the investors were bankrupt from the enormous mortgages. To make matters even worse, a highly destructive hurricane ravaged South Florida in September 1926. The 125 mile an hour winds eventually turned Palm Beach County into swamp lands. After the storm, a huge tidal wave crashed upon the towns of Belle Glade and Moore Haven. Due to these horrible turn of events, over 13,000 homes were destroyed and 415 people died. Additionally, the arrival of the Mediterranean fruit fly obliterated the large citrus industry. It took years for Florida to fully recover, even through the highly prosperous time from 1925 to 1929. Florida was barely affected in the stock market crash of 1929 and the Great Depression , because of its poor financial state from the start. Market crashes always occur in the same manner. Regardless of the market, the same simple psychological underpinnings are always at work. People who are caught up in a bubble never look back for historical examples. For this folly, they become paupers. “Those who cannot remember the past are condemned to repeat it.” Links to other Florida Real Estate Bubble Websites The Biggest Market Crashes in History: The Florida Real Estate Bubble Bear Market Articles • What Exactly is a Market Crash? + The inner details • Does Everyone Lose in a Crash? + The answer may surprise you! + What it takes to be an insider • Can Crashes be Forecasted? + Learn the warning signs + Take action! • The Housing Bubble + Why it is destined to pop + How you will be affected • The Coming Crash! + Prepare for the worst Financial Crisis History 1. Tulip Bulb Mania - Read about the Dutch tulip craze in the 1630's 2. South Sea Bubble - Learn about England's disastrous stock market crash in the early 1700's 3. Mississippi Bubble - The financial scheme which caused a stock market crash in 18th-century France 4. Florida Real Estate Bubble - The speculative boom and implosion of Florida property in the 1920's 5. Stock Market Crash of 1929 - The Great Crash + Depression 6. Stock Market Crash of 1987 - Mayhem and program trading 7. The Nikkei Bubble - The downfall of the Japanese titan 8. The Collapse of Barings Bank - Read how England’s oldest, most established bank was collapsed by a single trader. 9. The Nasdaq Bubble - The mania of Silicon Valley and Wall Street Home | Site Map | Blog | News Term Glossary | Book Review Bear Market Sites

Selling Home

Century 21 Real Estate: home buying, home selling, financing and property listings. español Put My Century 21 to work for you, simply register your email address and create a password. Once you're registered, you'll be able to • save property descriptions • store your search criteria • file agent information • build a custom library Find out more or register now! Already registered? Sign in . -- Welcome to Century 21 Real Estate Century 21 Real Estate is your online resource for home buying, home selling, financing and property listings. Whether it's a house, condo, or any other type of property, we can assist you with your real estate needs. Search for Properties Looking to buy a new home, condo or any other property? Search thousands of properties in our real estate listings. Search Property Listings » First Time Homebuyers Guide » View Our Buyer Service Pledge » International Century 21 Real Estate LLC is part of the largest real estate referral network in the world - with over 110,000 brokers and sales associates in over 30 countries and territories. Access our world offices today» Sell a Property Let our real estate agents create a customized marketing plan to sell your property. List your Property » View Our Seller Service Pledge » View Mortgage Rates View current mortgage rates, apply for a home equity loan, crunch numbers with home mortgage calculators and more! Apply for a Mortgage Now» Use Our Mortgage Calculators » Find an Office or Agent Find and contact a CENTURY 21 Office or Agent to handle your real estate needs. Find an Office or Agent » Quick Vote! Your vote counts! Let us Know Where do you spend the most time? Bedroom Living Room Kitchen Bathroom Dining Room ©2005 Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each CENTURY 21 Office Is Independently Owned And Operated. All rights reserved. Information appearing on this site has been produced by or obtained primarily from Century 21 Real Estate LLC and its representatives and from CENTURY 21 franchisees. Century 21 Real Estate LLC is not responsible for the accuracy or completeness of the broker information, sales associate information, listing information or other information provided by our franchisees appearing on or through this site. Such information has been provided by independent third parties who are solely responsible for such content. Certain conditions and restrictions apply to System promotions. Terms and Conditions of Use.

Land For Sale

LandAndFarm.com - Land for sale, Farms for sale, Rural Property for sale Advertise here Search Properties Wanted Auctions Newsletter Quick Start Register About My Properties Number of visitors online now: 217 Thursday, December 29, 2005 Ad Prices Help Contact Login Subscribe to Rural Property Bulletin Last Few Listings Most Viewed Least Viewed Recently Updated Search by USA Map Rural Property Sites Tool Box Get new properties in your email box! Newsletter Sign-up: yourname@xyz.com HTML TEXT For fun: old listings Contact Us Community Stats Seller emails: 102,892 Property emails: 110,227 Property Views: 13,028,620 Newsletter Subscribers: 14,850 Site Statistics Property 1761 Brokerage 15 Finance & Mortgages 3 Wanted 1 Businesses For Sale 7 Livestock 1 Rural Living 16 Miscellaneous 3 By Land Use: commercial land : 117 dairy farm : 22 fish - aquaculture : 15 forest - natural : 283 forest - planted : 116 historic : 41 horse farm : 380 hospitality : 61 hunting property : 610 livestock operation : 129 mobile home park : 4 oil or minerals : 7 orchard : 17 organic uses : 20 pasture : 319 permanent crops : 43 poultry farm : 33 recreational property : 677 residential land : 844 row crops : 107 undeveloped land : 377 vegetable farm : 15 vineyard : 15 waterfront : 152 By Country: United States : 1709 Canada : 39 South Africa : 34 Zambia : 5 Botswana : 5 Chile : 4 Argentina : 2 Belize : 2 Brazil : 2 Mozambique : 2 Australia : 1 Namibia : 1 Kenya : 1 By Price Per Acre: <$100: 8 $100 to $500 : 34 $500 to $2,000 : 280 $2,000 to $5,000 : 402 >$5,000 : 734 By Acres: <50 : 991 <200 : 1460 200 to 500 : 182 500 to 1,000 : 78 >1,000 : 108 By State/Province: Alabama : 24 Arizona : 11 Arkansas : 14 California : 20 Colorado : 29 Connecticut : 4 Florida : 88 Georgia : 283 Idaho : 12 Illinois : 29 Indiana : 7 Iowa : 9 Kansas : 17 Kentucky : 58 Louisiana : 13 Maine : 32 Maryland : 6 Massachusetts : 7 Michigan : 7 Minnesota : 16 Mississippi : 14 Missouri : 76 Montana : 6 Nebraska : 4 Nevada : 6 New Hampshire : 5 New Jersey : 16 New Mexico : 7 New York : 75 North Carolina : 59 North Dakota : 38 Ohio : 61 Oklahoma : 9 Oregon : 6 Pennsylvania : 6 South Carolina : 64 South Dakota : 22 Tennessee : 293 Texas : 27 Utah : 11 Vermont : 11 Virginia : 123 Washington : 11 West Virginia : 49 Wisconsin : 18 Wyoming : 6 Alberta : 1 British Columbia : 3 Buenos Aires Capital Federal : 1 IV Coquimbo : 1 Manitoba : 1 Mendoza : 1 New Brunswick : 11 Nova Scotia : 12 Ontario : 3 Para : 1 Quebec : 3 Queensland : 1 Saskatchewan : 5 VII Maule : 1 XI Aysen : 2 Not In USA or Canada : 1 Properties by: Land Use Country State/Province Acres Price Per Acre New York RESULTS Sort by: price size Total records: 75 Showing records: 1 to 20 Go to page : 1 2 3 4 New Search Beautiful Horse Farm ( horse farm, residential land, livestock operation) A 60 acre property with an asking price of $248,500. This property is for sale. Country: Other. State/Province: New York. County: St. Lawrence. Autumn Land Sale ( recreational property, residential land) A 5.79 acre property with an asking price of $295,000. This property is for sale. Country: Other. State/Province: New York. County: Dutchess. 13acre Farm 80x40 Hbarn ( horse farm, orchard, commercial land) A 13.00 acre property. This property is for sale. Country: Other. State/Province: New York. County: Oswego. Lakefront Property ( waterfront, undeveloped land, residential land) A 4.00 acre property with an asking price of $74,900. This property is for sale. Country: United States. State/Province: New York. County: Madison. New Hunting Cabin ( hunting property, recreational property) A 6.05 acre property with an asking price of $74,900. This property is for sale. Country: United States. State/Province: New York. County: Chenango. 90 Acre Adirondack Mountain Retreat ( hunting property, recreational property, commercial land) A 90 acre property with an asking price of $350,000. This property is for sale. Country: United States. State/Province: New York. County: St. Lawrence. Beautiful Farmland ( undeveloped land, organic uses, hunting property) A 323 acre property with an asking price of $597,000. This property is for sale. Country: United States. State/Province: New York 79 ( horse farm, residential land, pasture) A 79 acre property with an asking price of $899,999. This property is for sale. Country: United States. State/Province: New York. County: Dutchess. Western New York (Rochester Area) ( horse farm, livestock operation, recreational property) A 82 acre property with an asking price of $465,000. This property is for sale. Country: United States. State/Province: New York. County: Livingston. Old Field Farm ( horse farm, horse farm, horse farm) A 34 acre property with an asking price of $1,750,000. This property is for sale. Country: United States. State/Province: New York. County: Orange County. 80 ACRES Orange NY ( horse farm, vineyard) A 80 acre property with an asking price of $1,299,000. This property is for sale. Country: United States. State/Province: New York. County: Orange. rare Commercial Property ( commercial land, residential land) A 11.00 acre property with an asking price of $398,000. This property is for sale. Country: Other. State/Province: New York. County: Seneca. Horse Farm With Lake View ( commercial land, horse farm, pasture) A 12.26 acre property with an asking price of $189,000. This property is for sale. Country: Other. State/Province: New York. County: Oswego. 40 Acres Connects To Stateland ( residential land, recreational property, hunting property) A 40 acre property with an asking price of $175,000. This property is for sale. Country: Other. State/Province: New York. County: Chenango. $100 Reward for Renting an Apartment Millions of apartment listings nationwide. No application fee. No registration fee. No broker fee. $100.00 reward card when you rent an apartment. ...continued... Country: United States. State/Province: New York Unwanted Houses Do you own an unwanted house and need to sell quickly? NEW YORK. NEW JERSEY. CONNECTICUT. VACANT HOUSES. FORECLOSURE. PLAIN UGLY HOUSES. Houses in ...continued... Country: Other. State/Province: New York Dish Pronto The lowest all digital prices in America! 25 movie channels for 3 months free for $21.33/month! 60 channels plus one month free movie channels ...continued... Country: United States. State/Province: New York Catskill Wooded Hillside ( forest - natural, recreational property, undeveloped land) A 63 acre property with an asking price of $120,000. This property is for sale. Country: United States. State/Province: New York. County: Schoharie. Horse Farm On 29.55 Acres ( horse farm) A 29 acre property with an asking price of $435,000. This property is for sale. Country: Other. State/Province: New York. County: Chenango. Home/Horse Barn 18.19 Acres ( horse farm) A 18.19 acre property with an asking price of $449,000. This property is for sale. Country: United States. State/Province: New York. County: Chenango. Total records: 75 Showing records: 1 to 20 Go to page : 1 2 3 4 LandAndFarm.com SPONSORED RESULTS 1. Looking For NEW YORK? Find New York and more at Lycos Search. No clutter, just answers. Lycos ? Go Get It! http://www.lycos.com 2. Find NEW YORK at eBay Looking for New York? eBay has great deals on new and used electronics, cars, apparel, collectibles, sporting goods and more. If you can?t find it on eBay, it probably doesn?t exist. http://www.ebay.com 3. Shop for NEW YORK Looking for New York? MonsterMarketplace shopping directory has New York and everything else you?re looking for at one secure online location. Click to view top selling New York. http://www.monstermarketplace.com 4. Research NEW YORK at HighBeam. View free full-text articles and free premium archive previews at HighBeam Research. Find, organize and share information from 1,000s of trusted business, consumer and reference publications. http://www.highbeam.com ©1998-2005 - LandAndFarm.com - Contact Us - Privacy Notice - Disclaimer - UserAgreement - Advertise With Us

Real Estate Agent that

Hismove.com Christian Realtors Christian Real Estate Agents - a Realtor Referral Network. Member Login Looking for a Real Estate Agent that answers to a Higher Authority?? You've come to the right place! We can connect you with a Christian Real Estate Agent or Loan Officer anywhere in North America! Wouldn't you rather have a Christian agent that is more interested in YOU than in a commission??? Fill out one of our forms and a Network Member will contact you immediately. We have the best group of Christian Real Estate professionals in the country! They will handle your transaction with the utmost honesty and integrity. And best of all: THIS IS A FREE SERVICE!! Whether you're Buying or Selling, we understand the stresses involved. Since this is such an important decision in your life, wouldn't you rather have a Brother or Sister in Christ help guide you through the process? Each of our network members has gone through an extensive application process to provide you with the highest possible level of integrity and excellence. Our Pledge of Performance As committed believers, and as Real Estate Professionals, we Agree to provide a level of service to our clients which will glorify our Lord and Savior, Jesus Christ. As we are commanded to love our neighbor as ourselves, we give thanks for the opportunity to serve our neighbors by helping them in the process of buying and selling real estate. It is our pledge to represent our clients as Christ would have us do, and to approach each transaction with a servant heart. To be placed on our mailing list to receive Newsletters and Network updates, please complete the form below: Email Address: Toll Free: (877)800-4300 Real Estate Agents & Christian real estate

investment property mortgage options,

Unbiased property investment tips and advice to maximise profits from property! Maximise profits from property investment - free independent advice! "Hi Alan, am keen to know more on property investment and I have just subscribed to your Newsletter, and want to congratulate you on your informative site together with the contents." Barbara Burton "Hi Alan, You seem to have your head screwed on, and yes I'm in my fourth hour on your EXCELLENT site." Richard Harries, Pembrokeshire Enter your E-mail Address Enter your First Name (optional) Then Don't worry -- your e-mail address is totally secure. I promise to use it only to send you Property Investment Tips. Hi, Property investment is as good an investment as there is, so it still amazes me how little people know about the potential to make money from property, and property investment. There are people sitting on huge amounts of equity who, if they invest this money wisely could be retiring within 2 years!!!! Dont believe me? Thats exactly what I just did, aged 28!! After remortgaging my property, I reinvested that money and last year I made more than 100k after tax, and will make more than that this year. Now I had a good job beforehand, with a gross salary of over 50k, but when you compare that net amount of around 35k with the money I made from property - simply by releasing equity and spending my spare time understanding the vast possibilities in property and investing in some excellent opportunities, I cant believe more people do not do it. I am now in a position where I do not need a 9-5 job anymore . This gives me plenty of time to spend with my family, on the golf course, on holiday, at the football etc etc and I have no boss to report to!!! I believe there are possibilities for anyone out there, whether you are a first time buyer, and not sure where to buy, someone looking for a hands free property investment with guaranteed returns, someone looking to top up their pension, or someone who is willing to give 10 hours a week or so and be in a position to sack the boss in 3-4 years time!! However for anyone to succeed at property investment, they must have some good knowledge - a clear strategy, understand property tax, mortgages for investment properties and importantly understanding what a good property investment deal is and the power of leverage. Now when I first started researching on the internet, I came across some excellent resources and invaluable information - however there are also some who are more interested in charging you a fee than getting you a good deal. That is why I decided to share some of my experiences, and give some of my recommendations and property investment tips. Any of these recommendations I will have personally used, and will have confidence in their knowledge and integrity. I will not accept adverts or endorse any company I am not convinced about. I have now set up a second site - as from March 2005 - with all recommended property investment deals, as and when they arise - this gives me the opportunity to put more details down. Please, if are interested in updates on deals, also sign up on www.property-investment-deals.com for latest deals. I have a newsletter I send out every 2-3 weeks, where I discuss various strategies and property investment tips, and discuss exactly what I have done so far on this Tips site. I will also try to answer any questions, or at least point you in the right direction. I will also analyse deals/courses/mortgage options put forward by some of my contacts. Enter your E-mail Address Enter your First Name (optional) Then Don't worry -- your e-mail address is totally secure. I promise to use it only to send you Property Investment Tips. I will continually update any good sources I find, and I will continue to share my experiences with you. By no means is this list exhaustive and I am sure there are plenty more good sources, although I also know some not so good - email me with any good experiences/sources you have used for any property investment, and I will share this with the subscribers. Have a look down the left hand side, where I have covered what I consider the key factors when investing in property, and look at each of them, investment property mortgage options, property tax, property investment strategies/courses, and property investment deals at home and abroad, to see who I recommend and why. All this advice is free and is solely based on my experience and the contacts I have made - I will not be offended if you do your own thing, but I am completely independent, so I would at least take note of all my efforts over the last few years!! Of course, you should always do your own research, and do please note the disclaimer page. Any questions I will attempt to reply, please email me at alan@property-investment-tips.com. Also make sure you sign up for free newsletter before you forget, this is packed full of good tips and advice, so I've been told! "Alan, I have just read your back issues, and enjoy the way that you write! I am currently an ex-pat living in Ohio, but with an existing and pending property in the UK....look forward to your next issue " Amanda, Ohio "I've signed up for your newsletter today and from what I've seen of your website, it looks very informative, good balanced outlook on what people should do when investing in property." Nihar Dutt, www.propertynetworking.co.uk "I am impressed with the newsletters, very professional Alan. Your comments on Cyprus and Bulgaria are fab, especially for new investors - DD is vital - and even then I still think its risky so recommending agents shall be of great assistance". Alex Angel, Edinburgh "Hi Alan,First of all, thank you ever so much for sharing your experience. Your website is absolutely fantastic!" Patrice Lavallee, Suffolk "ALAN, I read your newsletters with interest and have recently been in discussions with Property Network Spain. Hopefully the outcome will be profitable!" ALEX CARAVELLO, Residential Lettings & Management "Alan, Great newsletter as per usual. My name is Tom Dyer and i got the info about your newsletter from a good friend of mine, who himself had it referred to him via another friend.It just goes to show that good information travels very fast.Great to have the opportunity to get access to the newsletters and some of your philosophy. Keep em' comingAll the very best" Tom Dyer "Hi Alanthanks again for the posts you send, they are a great eye opener - i'm learning a hell of a lot." Shuko mwambazi Alan just wanted to drop you a line, to say thanks!! For the past few months I had been looking to invest some money and saw property as a possible opportunity. However, having never previously bought, due to continued job relocation, my knowledge of this market was somewhat limited. The information and advice provided on property-investment-tips.com has proved invaluable in taking me from a position of knowing nothing - about how mortgages work, where to buy and which investment companies I could trust - through to the purchase of my first property!! I have bought in Cyprus through investincyprus.com, and am delighted with it! Maybe meet you out there in 18 months??!! Thanks again, and have subscribed to your newsletter to keep eye on other opportunites. Have also given details to my work colleague who is also keen to buy. James Thomson, Edinburgh Hi, I found out about your site and was pretty impressed with everything! I am very interested in purchasing ANY property with good growth and rental prospects in the UK. I am living and working in Shanghai..... Look forward to hearing from you. Yours sincerely Robert Gavin Hi Alan, I found your website very informative and helpful. Thank you very much. My husband is British and I am Vietnamese. We have been working abroad as expats. We have some savings and would like to invest in land and property anywhere, in the UK or Vietnam or abroad. We would appreciate very much if you could give us some advice on what and how to do as we feel uncertain. We feel that we have the potential and could do something good with our savings but did not know where and how to start then we found your site. Thank you very much and I look forward to hearing from you, Best regards, Linh Dear Alan, Thank you for the latest edition of your newsletter and links to the superb articles on your excellent website - it is certainly coming along nicely! I am a first-time property investor and recently had the pleasure of meeting you at the Property show at the ExCel centre in Docklands, accompanied by my wife Christine..... above all, if he comes with your recommendation then I'm sure he is someone that can be relied upon. Ironically, I had been meaning to drop you a line for a while to further enquire about your exploits in property renovation, which I have so keenly read in your emails lately. But now your site has blossomed with so much information, I have learnt an awful lot by just scrolling through the wealth of advice available. Looking forward to hearing from you. ..........Many thanks for your prompt reply. It would be great to meet up with you again in the future, Alan - if anything to buy you a pint for your troubles! Thanks again for your support Kind regards, John Marsden Hi AlanI'll attempt to be brief and to the point! I like your website without having met you or had any communication with you - you do seem to come accross someone who is approachable and kind of normal!! Hence I write to you. I am interested in a one to one consultaion session with you and would like to make a reservation for a London meeting sometime after May. Is that possible? I am currently in Sudan undertaking 5 months voluntary work (back in May) and since being here I have had much time to reflect, to consider my next 'project', look at where I'm heading and to set some more goals and achievements for myself. I also have time while I am out here to do some homework and research (which is how I found you!).I have signed up to your e-zine, and have not yet read everything you have to offer on your site, however I wanted to book in with you as soon as possible, Mandy Evill So, have a look at the headings for the specific area you want to find out more on, and start to share some of the potential to be made in the world of property investment!!! Regards Alan Forsyth Why Property? Why property as an investment? Property Investment Strategies to maximise profits Property Investment Strategies - I'll give you some tips and advise on the best places to learn what is best for you! Location, location,l... Location - why it is still as important as ever, do not limit yourself! Buy to Let What to look out for when considering buy to let in UK and abroad Buy to Re-sell or Remortgage Buy to Re-sell, or Property renovation is as popular as ever, you only need to switch on the TV to see! I give my tips when starting out. UK property investment has become very popular over last few years My thoughts/tips on UK property investment Overseas Property Investment Overseas property investment is becoming more and more popular - check out my tips! Spanish property investment Spanish Property Investment is as popular as ever, read my recommendations on best companies to invest with in Spain Cyprus Property Investment Cyprus Property Investment is getting very popular - read my tips on the best company/places for property investment in Cyprus Bulgaria Property Investment Bulgaria property investment - why it is such good value Scotland Property Investment Scotland Property Investment Estonia property Estonia property Property Tax advice Importance of understanding types of property tax when investing in property. Best sources of information Mortgage advice for Investment Property Mortgage Advice for Investment Property, my tips and advice overseas mortgages Recommended overseas mortgages for property investors 1 to 1 Consultancy 1 to 1 Consultancy Recommended Property Investment Courses Property Investment Courses Landlords Insurance Landlords Insurance - my recommendations Rental Property Investment Software Recommended Rental Property Investment Software Articles Articles written and published by Alan Forsyth Rich Dad, Poor Dad Rich dad poor dad Books Best value books for property investment, financial freedom Resources Quick summary of best property resources on the internet when looking to invest in property. Contact Me Contact me for any further advice on products advertised here, or any further property questions Exchange URLs Exchange URLs Disclaimer Disclaimer other resources general other resources general About us About us