Real Estate Broker

Real Estate Web Site Design, Best Real Estate Web Sites, Realtor Web Sites, Templates, Custom Design Home Client Login WebMail Live Help Live Chat Contact Us Discussion Forum "Im compelled to tell everyone over at LinkUSystems how wonderful it is to work with a company that is so customer service oriented. Since becoming a customer of LinkUSystems, Ive been amazed by the responsiveness of the associates who work at the company. Its refreshing to see a company put such a high value on satisfying the customer. Many could learn by LinkUSystems example! Keep up the good work guys! Youve made a raving fan out of me." Paul Hoffman hoffmanrealtor.com Just wanted to thank your support staff for all of their help. I have submitted several support request in the last few weeks and I am impressed with the quick response time. I am very happy with my 4statehome.com fsbo site and look forward to continuing business relationship with LinkURealty. Andy Williams 4statehome.com My website with LinkUSystems was one of the best investments for my business ad dollars. My site puts forth a professional image which stands apart from my local competitors. I love my ability to check web stats at anytime too! Wes Rocha has always been there for me. I don't need his help or advice very often but when I do, I am never put off but rather given immediate attention. Carol King soldoncharlotte.com I just wanted to let you know how much we appreciate the quality of service your company has provided for us here at Shane Associates. We have NEVER dealt with an online company where we have had customer service so readily available every time we needed it! You guys broke the mold and continue to deliver the best service! The response to our needs and queries have always been quick, effective, and of the highest quality. It's a great feeling to know that after all the research we had done before choosing your company, we did indeed make the best decision in trusting you at LinkuSystems. We are so very grateful for you and your team. Sabrina Shane shaneassociates.com I just wanted to send you an email to say thank you and let you know that I love everything about my website, and Im glad I chose your company to build it! You guys were very friendly with answering my questions, and I love how easy it is to use and customize my site from the admin page. After looking and test driving a few companies sites, I found you, and was so excited at all the options you offered at a great price! YOU CANT BE BEAT! Anyway, thanks again and keep it up! Amy Massey amymassey.com LinkURealty is a provider of real estate web site technology for real estate professionals. Our real estate web site system is specially designed for real estate agents and brokers, in addition to providing additional components and features to flat fee and for sale by owner services and several other real estate related industries. home - agents - brokers - idx/mls solutions - mortgage - XE Websites - ZSERIES Websites - contact us discussion forum - site map - website blog Are you looking for a real estate agent? Try LinkUAgent ! LinkUSystems presents LinkURealty, which offers real estate web sites for real estate professionals, such as real estate agent web sites, real estate web design, LinkUAgent, real estate web hosting and more.

sell house Courtney Love

Celeb Gossip Courtney Love: Broke Courtney Love to sell house Search Shop catalog Entertainment Discussion Board Galleries Gaming Sports Bizarre News Mens Fashion Celebrity Gossip Competitions Entertainment News DVD Reviews Movie Reviews Music Reviews Travel Business Health News Mens Lifestyle Top 5 Movie 1. The Chronicles of Narnia: The Lion, The Witch and The Wardrobe 2. Harry Potter and the Globet of Fire 3. Flightplan 4. Keeping Mum 5. The Exorcism of Emily Rose Top 5 Music 1. Eminem - Curtain Call The Hits 2. Robbie Williams - Intensive Care 3. Westlife - Face to Face 4. James Blunt - Back to Bedlam 5. Il Divo - Ancora Broke Courtney Love to sell house Courtney Love is to auction off an historic home she bought eight years ago to pay off her mounting debts. The troubled rocker - who has had a turbulent year battling drug addictions and has repeatedly landed herself in trouble with the law - bought the lavish bungalow for her family in 1997. Love now owes around $367,000 on the property - which is located on 13 acres on land at the edge of Capitol Forest in Arkansas and was built in 1903 - and is set to auction it off in the New Year to cover the outstanding the loan on the home and any legal fees. The bungalow is currently being occupied by Cobain's sister, Kim, according to sheriff's records, according to America's New York Post. All monies raised from the sale will go directly to the WMC Mortgage Corp. of Los Angeles, which filed for foreclosure in the Superior Court this month. ** Article Continues Below ** ** The Courtney Love article continues now ** Earlier this week, it was reported Love wants to sell her rights to the Nirvana back catalogue because she is gong broke. The wild star is on the verge of bankruptcy and is hoping to cash in on the extensive collection of songs - which includes classic tracks 'Smells Like Teen Spirit', 'Come As You Are' and 'All Apologies'. According to a report in America's New York Post newspaper, Love is looking for $100 million for her rights to the music. More Courtney Love News Courtney Love Sells Home Broke Courtney Love to sell house Courtney Love to sell Nirvana rights Courtney Love gropes porn star's boobs Courtney Love's brainy lust Courtney Love in pregnancy riddle Courtney Love's Hospital Sex With Kurt Cobain Courtney Love's cover up Courtney Love Used Aged 4 - Linda Carroll Courtney Love 'Speaking Frances Could Have Saved Kurt' Courtney Love's mother reveals daughter's childhood Courtney Love In New Lawsuit Courtney's lesbian love plea Courtney Love In Danger Of Eviction Courtney Love says the baby is definitely Steve Coogan's Barbie Love Courtney Love Denies Pregnancy Claims Courtney Love Ordered Into Rehab Amid Pregnancy Reports Courtney Love Dating Steve Coogan Courtney Love's parole violation accusations Courtney Love slams Dave Grohl Courney Love Progressing Well Courtney Love rushed to hospital Faint Courtney Love Admitted To Hospital Clean Courtney Love Courtney Love and Jerry Cantrell Collaboration Courtney Love set to play porn actress Courney Love In Legal Deadline Over Unpaid Bills Courtney Love wins back custody of daughter Courtney Love Sells House In Bid To Win Daughters Custody Courtney Love to cover debts with tell all book Courtney Love's vicious attack on a rock singer Love pleads guilty in New York court 1 2 Next For more of today's celebrity gossip click here ** Chat about this at our discussion board MaleFirst.co.uk takes no responsibility for the content or accuracy of stories.The content is licensed from BANG © 2005 and published for the entertainment of our users only.This story does not represent Malefirst.co.uk's opinions nor can we guarantee thatBANG reporting is completely factual. Please address any inquiries regarding the content of this story to BANG Chat with other members | Structure | Lingerie | Womens Chat | Advertise | ShoppingFirst.co.uk | FemaleFirst.co.uk | CoolBriefs.com | Terms & Conditions | About Us | Contact Us Server: web2 2005 Malefirst Division of Play-2-Win Ltd all rights reserved

Las Vegas Real Estate

Las Vegas Real Estate, Henderson Real Estate, Summerlin Homes Las Vegas Real Estate - Las Vegas Homes Henderson Real Estate • Summerlin Real Estate Green Valley Real Estate • Boulder City Real Estate View Las Vegas Homes for sale, plus Henderson Homes , Boulder City homes , Green Valley Homes , Blue Diamond, North Las Vegas Real Estate and Summerlin Homes as well as these Las Vegas, Nevada communities: Queensridge , Rancho Las Brisas , Siena , Aliante , Rancho Las Palmas , The Promenade , Los Prados , The Lakes , Mountain's Edge , Rhodes Ranch , Southern Highlands , Silverado Ranch , and Nevada Trails . For those who prefer high rise living, there are many different high rise condos in Las Vegas to choose from: Metropolis , Turnberry Place , Panorama Towers , Sky Las Vegas , Park Avenue , Vegas Grand Condos and Residences at the MGM . Henderson communities : Roma Hills , Anthem Country Club , Lake Las Vegas , Seven Hills , MacDonald Highlands , Sun City Anthem , Solera , Sun City MacDonald Ranch . Boulder City communities : Lake Mountain Estates. You'll also find extensive real estate information, Las Vegas community information , free real estate reports , Las Vegas mortgage rates , answers to frequently asked real estate questions and more, you'll find everything about Las Vegas valley real estate here. Las Vegas Hot Buys Featured Properties: Looking for your Las Vegas, Henderson or Summerlin dream house? Las Vegas Buyer-Seller Tips: Information on buying or selling Las Vegas real estate! You can also receive automatic daily e-mail notification as new Las Vegas homes for sale come on the market! Or you can request information about specific Las Vegas properties that you are interested in, including photos, by e-mail as well. Just tell me what you are looking for in a Las Vegas property and I'll do the rest! More than just neon lights. The Las Vegas valley is a wonderful place to live. Residents enjoy no state income tax, beautiful neighborhoods, low unemployment, great parks and recreation. Las Vegas is known as the entertainment capital of the world for good reason. Some of the world's largest resorts are in Las Vegas, featuring world class entertainment, restaurants and shopping. Currently more than 5,000 people a month move to the Las Vegas valley, which includes the cities of Las Vegas , Henderson , Boulder City , North Las Vegas and the master planned communities of Summerlin in Las Vegas and Green Valley in Henderson. For those who prefer a country club atmosphere, Las Vegas, North Las Vegas and Henderson offer several country club and master planned communities . Many active adults are calling Las Vegas home in one of the many Las Vegas retirement communities or Henderson age restricted communities . If you are buying Las Vegas Real Estate , this comprehensive real estate tool gives you direct access to the latest homes for sale in Las Vegas , Henderson, Boulder City, North Las Vegas, Summerlin and Green Valley. Whether its one of the Las Vegas High Rise condos dotting the Las Vegas strip , your first family home or a golf course home , let me be your Prudential Las Vegas real estate guide to finding the Las Vegas real estate , Henderson real estate or new home of your dreams. What is your Home's Value? Allow me figure out how much your Las Vegas home, townhouse or condo is worth in today's fast paced market! Las Vegas Schools : Find the best Las Vegas, Green Valley, Henderson or Summerlin school for your family with my free schools reports. Regardless if you are a first time home buyer or an experienced Las Vegas real estate investor , you'll find useful information about how to select the "right" property for you, making an offer to purchase and everything involved in making an informed real estate decision in the rapidly changing Las Vegas housing market . If you currently own Las Vegas or Henderson real estate and are thinking of placing it for sale, this site contains information about preparing your Las Vegas home for sale, pricing your home or condo appropriately, marketing it effectively, going through the home inspection processes and receiving a comparative market analysis. Explore the Las Vegas valley: Las Vegas Henderson Boulder City North Las Vegas Masterplanned communities: Summerlin Green Valley Las Vegas High Rise Condos: Metropolis Turnberry Place Park Avenue Vegas Grand Condos Park Towers Residences at the MGM The Platinum Panorama Towers Manhattan Turnberry Towers Cielo Vista Soho Las Vegas Lofts 17th and Vine One Las Vegas Boca Raton Sandhurst Allure The Cosmopolitan Summit Liberty Tower Vantage Lofts Urban Village Icon Las Vegas Central The Curve Stanhi Palms Place Hard Rock C2 Lofts Las Ramblas Opus Las Vegas Prime Pinnacle One Juhl French Quarter Trump Parkline Hue Lofts One Queensridge Place Spanish View Towers Las Vegas Golf course homes: Rhodes Ranch Queensridge Canyon Gate Southern Highlands Los Prados Red Rock Country Club Spanish Trail Aliante Silverstone Ranch Henderson Golf course homes: Anthem MacDonald Highlands Lake Las Vegas Las Vegas Condos: Viera Mantova Rhodes Ranch Bella Vita Laguna Palms Luna Di Lusso Terra Bella Garden Terrace Coronado Mira Villa SoldByDesign.com * Internet Real Estate The Las Vegas real estate market is booming. Appreciation in some housing markets is over 30% for 2004! Las Vegas real estate is still in high demand. If you are selling Las Vegas Real Estate , I will suggest the best strategy for preparing your Las Vegas home or condo for sale. My marketing plan includes traditional real estate marketing as well as the latest high tech options, including web marketing on this award winning site and several others, for maximum exposure. Investment in Las Vegas real estate and Henderson real estate has increased significantly as more investors realize the value of owning residential real estate or commercial real estate in Las Vegas or Henderson . Prudential Las Vegas Real Estate - Jacqulyn Richey, your Las Vegas realtor ® selling homes and condos in the entire Las Vegas Valley. Please bookmark this Las Vegas real estate site for future reference! Thanks for visiting my Las Vegas real estate resource. Henderson Nevada Real Estate Here are some of the best net savvy real estate agents available : New Hampshire and Maine Real Estate San Clemente - Orange County Real Estate Charlotte, NC Real Estate Ocala Real Estate Marlton, Willingboro Real Estate Southern New Hampshire Real Estate, Homes Oklahoma - Tulsa Real Estate Naples Real Estate Orlando Real Estate & Homes Milwaukee Real Estate & Realtor Prescott Arizona Real Estate Homes for Sale in Portland Oregon Real Estate in Los Angeles Real Estate Agents Directory Las Vegas Real Estate Sitemap • Las Vegas Real Estate Sitemap 2 • Sitemap 3 Jacqulyn Richey Prudential Americana Group Realtors ® 871 Coronado Center #100 Henderson, Nevada 89052 Business: (702) 493-8033 Fax: (702) 433-2893 Las Vegas Realtor ® Las Vegas Real Estate - Henderson Real Estate - Prudential Real Estate Real Estate information contained in this site deemed reliable but not guaranteed for Las Vegas, Henderson, Summerlin, Green Valley, North Las Vegas, Boulder City ~ Las Vegas Real Estate . This covers MLS Las Vegas commercial real estate or residential homes in Las Vegas, Henderson, Summerlin, North Las Vegas and Green Valley NV. Jacqulyn Richey, a Realtor for Prudential Americana Group Realtors, serves real estate clients looking for homes, condos, lofts, investment properties and high rise condos in Las Vegas, Henderson, Summerlin, Green Valley, North Las Vegas and Boulder City NV. Floor plans and prices for new high rise condos, Las Vegas homes and lofts are subject to change. Las Vegas MLS multiple listing service data is provided by the Greater Las Vegas Association of Realtors and includes Henderson, Summerlin, Green Valley and North Las Vegas. Jacqulyn Richey your Las Vegas Real Estate, Henderson NV Real Estate and Prudential real estate expert. Real Estate Las Vegas You are the 725,424th to my Las Vegas Real Estate website. Web Site Design and Hosting Provided By: Advanced Access © 1998-2005

INVESTMENT PROPERTY HISTORY OF

IAS Plus International Accounting Standards IAS 40, Investment Property Home Site Map Standards Interpretations Agenda Structure Newsletter Resources Countries/Regions Links Search STANDARDS: IAS 40 INVESTMENT PROPERTY HISTORY OF IAS 40 October 1984 Exposure Draft E26 Accounting for Investments March 1986 IAS 25 Accounting for Investments 1 January 1987 Effective Date of IAS 25 December 1999 Exposure Draft E64 Investment Property April 2000 IAS 40 Investment Property superseded those portions of IAS 25 that addressed investment property and withdrew IAS 25 1 January 2001 Effective Date of IAS 40 (2000) 18 December 2003 Revised version of IAS 40 issued by the IASB The summary below reflects the revisions. 1 January 2005 Effective date of IAS 40 (Revised 2003) RELATED INTERPRETATIONS Issues Relating to This Standard that IFRIC Did Not Add to Its Agenda SUMMARY OF IAS 40 Definition of Investment Property Investment property is property (land or a building or part of a building or both) held (by the owner or by the lessee under a finance lease) to earn rentals or for capital appreciation or both. [IAS 40.5] Examples of investment property: [IAS 40.8] Land held for long-term capital appreciation Land held for undecided future use Building leased out under an operating lease Vacant building held to be leased out under an operating lease The following are not investment property and, therefore, are outside the scope of IAS 40: [IAS 40.5 and 40.9] property held for use in the production or supply of goods or services or for administrative purposes; property held for sale in the ordinary course of business or in the process of construction of development for such sale (IAS 2 Inventories); property being constructed or developed on behalf of third parties (IAS 11 Construction Contracts); owner-occupied property (IAS 16 Property, Plant and Equipment), including property held for future use as owner-occupied property, property held for future development and subsequent use as owner-occupied property, property occupied by employees and owner-occupied property awaiting disposal; property that is being constructed of developed for use as an investment property (IAS 16 applies to such property until construction or development is complete). However, IAS 40 does apply to existing investment property that is being redeveloped for continuing use as investment property; and property leased to another entity under an finance lease. Other Classification Issues Property held under an operating lease. A property interest that is held by a lessee under an operating lease may be classified and accounted for as investment property provided that: [IAS 40.6] the rest of the definition of investment property is met; the operating lease is accounted for as if it were a finance lease in accordance with IAS 17 Leases; and the lessee uses the fair value model set out in this Standard for the asset recognised. An entity may make the foregoing classification on a property-by-property basis. Partial own use. If the owner uses part of the property for its own use, and part to earn rentals or for capital appreciation, and the portions can be sold or leased out separately, they are accounted for separately. Therefore the part that is rented out is investment property. If the portions cannot be sold or leased out separately, the property is investment property only if the owner-occupied portion is insignificant. [IAS 40.10] Ancillary services. If the enterprise provides ancillary services to the occupants of a property held by the enterprise, the appropriateness of classification as investment property is determined by the significance of the services provided. If those services are a relatively insignificant component of the arrangement as a whole (for instance, the building owner supplies security and maintenance services to the lessees), then the enterprise may treat the property as investment property. Where the services provided are more significant (such as in the case of an owner-managed hotel), the property should be classified as owner-occupied. [IAS 40.11] Intracompany rentals. Property rented to a parent, subsidiary, or fellow subsidiary is not investment property in consolidated financial statements that include both the lessor and the lessee, because the property is owner-occupied from the perspective of the group. However, such property could qualify as investment property in the separate financial statements of the lessor, if the definition of investment property is otherwise met. [IAS 40.15] Recognition Investment property should be recognised as an asset when it is probable that the future economic benefits that are associated with the property will flow to the enterprise, and the cost of the property can be reliably measured. [IAS 40.16] Initial measurement Investment property is initially measured at cost, including transaction costs. Such cost should not include start-up costs, abnormal waste, or initial operating losses incurred before the investment property achieves the planned level of occupancy. [IAS 40.20 and 40.23] Measurement subsequent to initial recognition IAS 40 permits enterprises to choose between: [IAS 40.30] a fair value model; and a cost model. One method must be adopted for all of an entity's investment property. Change is permitted only if this results in a more appropriate presentation. IAS 40 notes that this is highly unlikely for a change from a fair value model to a cost model. Fair value model Investment property is remeasured at fair value, which is the amount for which the property could be exchanged between knowledgeable, willing parties in an arm's length transaction. Gains or losses arising from changes in the fair value of investment property must be included in net profit or loss for the period in which it arises. [IAS 40.35] Fair value should reflect the actual market state and circumstances as of the balance sheet date. [IAS 40.38] The best evidence of fair value is normally given by current prices on an active market for similar property in the same location and condition and subject to similar lease and other contracts. [IAS 40.45] In the absence of such information, the entitymay consider current prices for properties of a different nature or subject to different conditions, recent prices on less active markets with adjustments to reflect changes in economic conditions, and discounted cash flow projections based on reliable estimates of future cash flows. [IAS 40.46] There is a rebuttable presumption that the enterprise will be able to determine the fair value of an investment property reliably on a continuing basis. However, if, in exceptional circumstances, an entity follows the fair value model but at acquisition concludes that a property's fair value is not expected to be reliably measurable on a continuing basis, the property is accounted for in accordance with the benchmark treatment under IAS 16 , Property, Plant and Equipment (cost less accumulated depreciation less accumulated impairment losses). [IAS 40.53] Where a property has previously been measured at fair value, it should continue to be measured at fair value until disposal, even if comparable market transactions become less frequent or market prices become less readily available. [IAS 40.55] Cost Model After initial recognition, investment property is accounted for in accordance with the cost model as set out in IAS 16 , Property, Plant and Equipment – cost less accumulated depreciation and less accumulated impairment losses. [IAS 40.56] Transfers to or from Investment Property Classification Transfers to, or from, investment property should only be made when there is a change in use, evidenced by: [IAS 40.57] commencement of owner-occupation (transfer from investment property to owner-occupied property); commencement of development with a view to sale (transfer from investment property to inventories); end of owner-occupation (transfer from owner-occupied property to investment property); commencement of an operating lease to another party (transfer from inventories to investment property); or end of construction or development (transfer from property in the course of construction/development to investment property. When an enterprise decides to sell an investment property without development, the property is not reclassified as investment property but is dealt with as investment property until it is disposed of. The following rules apply for accounting for transfers between categories: for a transfer from investment property carried at fair value to owner-occupied property or inventories, the fair value at the change of use is the 'cost' of the property under its new classification; [IAS 40.60] for a transfer from owner-occupied property to investment property carried at fair value, IAS 16 should be applied up to the date of reclassification. Any difference arising between the carrying amount under IAS 16 at that date and the fair value is dealt with as a revaluation under IAS 16; [IAS 40.61] for a transfer from inventories to investment property at fair value, any difference between the fair value at the date of transfer and it previous carrying amount should be recognised in net profit or loss for the period; [IAS 40.63] and when an entity completes construction/development of an investment property that will be carried at fair value, any difference between the fair value at the date of transfer and the previous carrying amount should be recognised in net profit or loss for the period. [IAS 40.65] When an entity uses the cost model for investment property, transfers between categories do not change the carrying amount of the property transferred, and they do not change the cost of the property for measurement or disclosure purposes. Disposal An investment property should be derecognised on disposal or when the investment property is permanently withdrawn from use and no future economic benefits are expected from its disposal. The gain or loss on disposal should be calculated as the difference between the net disposal proceeds and the carrying amount of the asset and should be recognised as income or expense in the income statement. [IAS 40.66 and 40.69] Compensation from third parties is recognised when it becomes receivable. [IAS 40.72] Disclosure Both Fair Value Model and Cost Model [IAS 40.75] whether the fair value or the cost model is used; if the fair value model is used, whether property interests held under operating leases are classified and accounted for as investment property; if classification is difficult, the criteria to distinguish investment property from owner-occupied property and from property held for sale. the methods and significant assumptions applied in determining the fair value of investment property. the extent to which the fair value of investment property is based on a valuation by a qualified independent valuer; if there has been no such valuation, that fact must be disclosed. the amounts recognised in profit or loss for: rental income from investment property; direct operating expenses (including repairs and maintenance) arising from investment property that generated rental income during the period; and direct operating expenses (including repairs and maintenance) arising from investment property that did not generate rental income during the period. restrictions on the realisability of investment property or the remittance of income and proceeds of disposal. contractual obligations to purchase, construct, or develop investment property or for repairs, maintenance or enhancements. Additional Disclosures for the Fair Value Model [IAS 40.76] a reconciliation between the carrying amounts of investment property at the beginning and end of the period, showing additions, disposals, fair value adjustments, net foreign exchange differences, transfers to and from inventories and owner-occupied property, and other changes. significant adjustments to an outside valuation (if any) if an entity that otherwise uses the fair value model measures an item of investment property using the cost model, certain additional disclosures are required. Additional Disclosures for the Cost Model [IAS 40.79] the depreciation methods used; the useful lives or the depreciation rates used; the gross carrying amount and the accumulated depreciation (aggregated with accumulated impairment losses) at the beginning and end of the period; a reconciliation of the carrying amount of investment property at the beginning and end of the period, showing additions, disposals, depreciation, impairment recognised or reversed, foreign exchange differences, transfers to and from inventories and owner-occupied property, and other changes; the fair value of investment property. If the fair value of an item of investment property cannot be measured reliably, additional disclosures are required, including, if possible, the range of estimates within which fair value is highly likely to lie.

Foreclosure Property

Homepage of the California Department of Real Estate (DRE) California Home DRE Home Contact Us What's new About DRE Careers at DRE DRE Records Consumers Escrow Violations eLicensing Examinees Licensees Subdivisions Real Estate Law Regulations Publications Forms FAQs Links Index Department of Real Estate START Examinees and Licensees: Use eLicensing for expedited processing of: Examination services Mailing address changes License renewals Salesperson additions/changes of employing broker Broker certification of salesperson employment Broker discontinuation of salesperson employment Duplicate license requests Additional services Learn to use eLicensing It's easy, paperless and interactive! Resources Key Announcements Brokers Must Report Commission Payments on 1099s Real estate brokers are required to report commission payments of $600 or more to brokers and salespersons on Form 1099-MISC, Box 7 - Nonemployee Compensation. For more information, see 1099 Reporting for Real Estate Brokers published by the Franchise Tax Board. Combination examination and license applications are now available: Broker Examination/License Sales Examination/License Expanded Services: Use eLicensing to apply for the salesperson exam Important Information About: Application Processing Timeframes Satellite Exam Sites for Salespersons and Brokers Can't find what you're looking for? Try the Index Featured Items Topics of Interest: Gulf Coast Hurricanes CalHFA First Time Homeownership Program Instructions to License Applicants Help Avoid DENIAL of Your License Application Guides for First Time Home Buyers and Renters Information for Homebuyers Apply Online for a CalVet Home Loan Predatory Lending Prevention Investigate Before You Invest Small Business and DVBE Opportunities Workers' Compensation Coverage Flex Your Power - Be Energy Efficient! Find out how you can save money, save energy, and save natural resources.   more My CA Customer Survey Course & Instructor Evaluation Back to Top of Page Conditions of Use | Privacy Policy | Tech Problems 2003 State of California This page last modified on Wednesday, December 28, 2005