|
|
April 11 I am trying to collecting all the radio talk shows on Land Investment.
It includes the largest Land Investment Companies : ACE, Land Resource...
I am trying to collect more and share with you, if you found any please share with me the link.
These audioes will help you to learn more about Lancaster, Land Investment...
It is also great tool for the starter, who want to be a successful Land Investor.
--
Check My Website: http://www.IRA4Land.comP.S. If you , your family members, your friends or anyone else you know, and like, who is interested in Land Investment, please let me know. Thank you in advance for recommending the people you care most to me.
To unsubscribe the newsletter, please email: ira4land@gmail.com April 04 Every Year, I must visit the Homeownership Fair.
It is FREE. You can get lots of update information of the real estate market from different real estate company.
It is From 10 AM- 4PM , in Santa Clara Conventioncenter.
The Santa Clara County Association of Realtors is excited to present the 2008 Homeownership Fair at the Santa Clara Convention Center on April 5th, from 10am-4pm. The Fair is a one stop shop for those interested in purchasing their first home, buying a vacation home, investing in real estate, or moving up. There will 80 exhibitors ranging from Realtors ® to Lenders to Residential Developers and 20 presenters speaking on a range of subject including real estate investment, tax strategies and home buying assistance programs. ( Driving Direction)
|
|
Topic
|
Speaker
|
Company
|
|
10:00 AM
|
How To Repair Your Credit
|
Yvonne Castillo
|
Consumer Credit Counselling
|
|
|
Understanding Loan Programs and Predatory Lenders
|
Robert Aldana
|
Don't Borrow Trouble Silicon Valley
|
|
|
How to Reduce Your Property Tax Assessment
|
Larry Stone
|
SCC Tax Assessor
|
|
|
Investment Real Estate "Exit Strategies" (TIC)
|
Jeff Arburn
|
Impact Financial Management
|
|
11:00 AM
|
"How well do you Know Your Financial Institution?"
|
Helen Grays
|
KeyPoint Credit Union
|
|
|
President's Message: "The State of the Market"
|
SCCAOR President Dave Walsh
|
Alain Pinel Realtors / SCCAOR Board
|
|
|
10 Steps You Must Take Before Buying A Home
|
Diane Hanne/Nancy Soule
|
GMAC Mortgage
|
|
|
Real Estate Investing: The how, when and where
|
Keith Robinson
|
North Point Real Estate Investment Svcs.
|
|
12:00 PM
|
Lenders View of FICO Scores
|
Cathy Woo
|
Bank of America
|
|
|
San Jose City Home Programs
|
Korey Richardson
|
City of San Jose
|
|
|
Buying Foreclosure/Short Sales/REO Properties
|
Tom Beck
|
S&L Loans, Meridian Creek
|
|
|
The Living Trust Seminar
|
Kurt Yip, Estate Attorney
|
Kurt E. Yip, Esq.
|
|
1:00 PM
|
ACORN Housing and Multiple Layers of Loans
|
Cathy Woo
|
Bank of America
|
|
|
Trusts and Asset Protection
|
Shawn Parr
|
Parr Law Group
|
|
|
What You Need to Know About Reverse Mortgages
|
Harold Lott
|
Countrywide Bank
|
|
|
CalFHA
|
Sam Chauhan
|
Realty Executives/Land Home Financial
|
|
2:00 PM
|
Special Programs to Help You Buy
|
Carolyn Mountain
|
Countrywide Bank
|
|
|
1031 Exchanges
|
Ron Ricard
|
Investment Property Exchange
|
|
|
Safe and Appropriate Financing to Bridge the Affordability Gap.
|
Ed Moncrief
|
Neighborhood Housing Services SV
|
|
|
The Value of Having Adequate Insurance
|
Paul Walker
|
Liberty Mutual
|
|
3:00 PM
|
CalHFA
|
Leah Pears
|
CalHFA
|
|
|
The Top 10 Financial Mistakes
|
Lori Greymont
|
Bridge Capital Group, Inc.
|
|
|
Understanding your Credit Score
|
Robert Childs
|
Pro Family Financial Svcs
|
|
|
Preparing Your House For Sale By Maximizing its Best Features
|
Tina Bright
|
Maxim Interiors, Professional Home Staging |
-- Check My Website: http://www.IRA4Land.comP.S. If you , your family members, your friends or anyone else you know, and like, who is interested in Land Investment, please let me know. Thank you in advance for recommending the people you care most to me.
To unsubscribe the newsletter, please email: ira4land@gmail.com March 28
More Listings has been update and click the listings you will see the powerpoint of Each listing.
You'll find something new.
Alice
-- Check My Website: http://www.IRA4Land.comP.S. If you , your family members, your friends or anyone else you know, and like, who is interested in Land Investment, please let me know. Thank you in advance for recommending the people you care most to me.
To unsubscribe the newsletter, please email: ira4land@gmail.com March 27 I am keep learning on everything about investment. I love investment.
My friend just forward me the following class, it is FREE if you are the WFG member, and only cost $100 to be the member of WFG.
I like the classes in the list and want to learn the information of all these concept.
Contact me if you want to join the class too.
|
| Time: 7AM-9AM
|
|
|
|
|
| Day
|
| Date
| Manage Money
| Manage People (Business)
|
| 1
| Monday
| April 7, 2008
| X-Curve and Basic Rules
| Cash Flow Quadrant
|
| 2
| Tuesday
| April 8, 2008
| Wealth Formula and Rule of 72
| Learning and Evaluation Cycle
|
| 3
| Wednesday
| April 9, 2008
| PFS 1 - Financial Goals and Plans
| Business Finance
|
|
| 4
| Thursday
| April 10, 2008
| PFS 2 - Cash Flows and Asset Strategies
| Business System
|
| 5
| Monday
| April 14, 2008
| PFS 3 - Resource Allocation and Applications
| Building Business Team - Core Value and Accountability
|
| 6
| Tuesday
| April 15, 2008
| Insurance Concept 1 - Basics (Structure)
| Workshop I - Learning and Evaluation
|
| 7
| Wednesday
| April 16, 2008
| Insurance Concept 2 - Basics (Tax Benefit)
| Resource Management - Time, People, and Money (OPR)
|
| 8
| Thursday
| April 17, 2008
| Investment Concept - Risk Management
| Communications and Expectations
|
| 9
| Tuesday
| April 22, 2008
| Mortgage Concept - Debt Management
| Promotion and Advertisement
|
| 10
| Wednesday
| April 23, 2008
| Real Estate Concept - General
| Workshop II - Team Leverage
|
| 11
| Thursday
| April 24, 2008
| Retirement Planning Concept
| Competition and Mental Toughness
|
| 12
| Friday
| April 25, 2008
| Education Planning Concept
| Desire, Motivation, and Inspiration/Discipline, Persistence, and Consistency
|
| 13
| Monday
| April 28, 2008
| Tax Planning Concept
| Workshop III - Communication
|
| 14
| Tuesday
| April 29, 2008
| Estate Protection Concept
| Workshop IV - Business Exchange
|
| 15
| Wednesday
| April 30, 2008
| Case Study - Application of Concepts
| Total Positive Mental Attitude | March 17
Check the website and download the new 2008 Roundtable Report, the population in Lancaster/ Palmdale, anything new in 2007.
It is a very helpful tool for the Real Estate Investors in Antelope Valley.
Page 3: Total Population at Great Antelope Valley 2007-2012 Projected Annual Growth
Page 4: Antelope Valley Population Forecast, population by zip code
Page6-7: New in Lancaster/ Palmdale 2007 MileStone, population now...
Dig more pages, you will like this book.
-- Check My Website: http://www.IRA4Land.comP.S. If you , your family members, your friends or anyone else you know, and like, who is interested in Land Investment, please let me know. Thank you in advance for recommending the people you care most to me.
To unsubscribe the newsletter, please email: ira4land@gmail.com March 12
Please remember to pay your property tax bill by April 10th, 2007
You may already received the Property tax bill in your mail. If you just bought the property this year, you may neeed to go to the
county website and check if the amount is correct. If you did not receive the statement, you still need to pay the bill , just mail the letter to
the property tax collector with your APN number.
The APN number is very important , only one APN for each individual property: ( Click and View each County 's website)
You can use your credit card to pay your property tax now, but be careful there is fee charge in the service.
Since there are lots of property transactions in Los Angeles County, the property information updates very slow.
If you do not receive your tax bill by November 1, you may call 1(888) 807-2111 and request a Substitute Bill.
State law makes it your responsibility to pay the taxes whether or not you receive a bill.
Or
Make your payment payable to the Los Angeles County Tax Collector and mail to:
The Los Angeles County Tax Collector
PO Box 54018
Los Angeles, CA 90054-0018
ATTN: Your APN Number
If you are using IRA Service, you'd better ask the IRA Service to send the check to LA Count Tax Collector.
Please call IRA (16505932221) service to make sure if you can use your cash to pay tax, or contact your CPA , EA to check the tax issue. I talked to Michael Mcnair in IRA service this Feb, he said that all the money must from IRA now.
For your LLC Shares, I contact my CPA, he suggested me to put the return on the capital gain. The best way to check your CPA for advise on fill the tax return.
Any questions on your property tax bill , please feel free to contact me.
My suggestion is fax the statement to me and I will check and calculate if it is correct then explain to you.
Alice -- Check My Website: http://www.IRA4Land.comP.S. If you , your family members, your friends or anyone else you know, and like, who is interested in Land Investment, please let me know. Thank you in advance for recommending the people you care most to me.
To unsubscribe the newsletter, please email: ira4land@gmail.comFebruary 13 I just got a story from Charlott.com, and I want to share with you , all the land investors.
Please share it with your family members, friends or anyone else you know.
It can be happen anywhere. That is why I recommend you own your real estate individually.
As a investor , when you invest the real estate , please check DRE and see if the sales , broker and the company owner has the license and his or her license history. How many licensees are in the company.
Also be a price shopper, which can save you lots of money. Get the exactly Comparable ( pend, sold price) of the real estate, it is possible for you to get the real estate below the market price. I have heard lots of investors bought their real estate over price because they did not have enough source to compare.
One thing which is very very important, keep all your files, documents, recordings ( mp3 if possible) when you attend to the seminar. You can use archive in your email, I have keep all the resource in real estate transaction, company meetings... I also use EFAX to save all the copy involve with the business in the disk. In case if you need any legal advise , you have already prepared & organized everything to protect you .
Any idea or questions you want to share with me, please feel FREE to contact me : IRA4Land@Gmail.com
Alice : http://www.IRA4Land.com
January 30
Mercury News reporting
Article Launched: 01/29/2008 05:41:20 PM PST
TO REFI OR NOT TO REFI?
There's no easy way to tell quickly who should refinance their mortgage now and who should not. Each borrower's situation is different, and loan rates and terms are changing constantly, which makes consultation with a trusted loan professional advisable. But here are some general guidelines, below. You can also consult a basic refinance-or-not calculator online, such as the one at HSH Associates' site, http://www.hsh.com/usnrcalc.html.
You might be a good candidate to refinance now - or soon - if:
• Your current mortgage is for less than $417,000 - i.e. it's a "conforming" loan.
• Your current mortgage is for more than $417,000, and Congress passes economic stimulus legislation soon that increases the conforming loan limit to $729,750, potentially allowing you to get a lower rate.
• You want to get out of an adjustable loan and into a fixed-rate loan while rates for the latter are low.
• The fixed-rate on a conforming loan is more than 5.75 percent.
• You plan to stay in your home long enough to at least break even on the new loan's closing costs.
• Your credit score is about 660 or higher.
• You have at least 10 percent equity in your home.
• You can provide documentation of your income.
• No more than about 42 percent of your income will be going to pay your debts, including your mortgage, once you have
refinanced.
You might not be a good candidate to refinance if:
• You have little equity in your home.
• Your credit score is lower than about 660.
• You live in an area lenders have designated as "soft" or "declining." (These vary from lender to lender - ask a loan officer or broker.)
• You already have a long-term, fixed-rate loan of 5.75 percent or less.
January 09 引述 07年美房地產投資指南
07年美房地產投資指南
最近各種房地產相關報導似乎有些令人無所適從，美國財經大老前聯準會主席葛林斯潘說，最糟的情況已過，「榮景可期」；有市場專家說，房市還會繼續下跌。本版面日前已有專文提出「區域差異」、「條件論」兩個衡量房地產市場的原則，所謂「區域差異」就是美國幅員遼闊，區域個別差異很大，對紐約市曼哈坦豪華公寓而言，「榮景可期」確實可信，但加州Stockton或拉斯維加斯(Las Vegas) ，未來兩年還等不到榮景。「條件論」則因人而異，某甲現金太多，希望增加房地產持有率，購屋後不準備短期轉賣，有時間及經驗維修及管理房屋的租賃，現在進場投資，時機還不錯；某乙現金也很多，也希望增加房地產持有率，購屋後不準備短期轉賣，但沒有時間及經驗維修及管理房屋的租賃，某乙就可能不適合進場，還不如投資優質基金，省掉管理房屋的麻煩，獲利不見得比買房屋差。
謹慎的消費者或許希望從數字看房地產趨勢，美國「穆迪經濟」Moody's Economy.com最近公布調查數字，對美國一百個都市未來兩年的價格趨勢作預測，在其預測中，拉斯維加斯和加州Stockton未來兩年跌幅在5.3%和8.1%之間，在全國增值排行榜名列最後。
增值率最高的城市為德州的McAllen-Mission和El Paso，McAllen-Mission 2007、2008年增值率高達8.5%、9.8%。El Paso未來兩年增值率為7.1%、4.4%。不過，McAllen-Mission和El Paso都是德州邊境新興都市，其房價上漲是新興都市的特殊狀況，其增值率不能當作全國平均數字。
現在把各區的年增值率、中間價位和增值排名表列如後：
中間價位是房地產業的參考價位，表示當地一半房價高於該價格，而其他半數房價則低於該價。美國現在全國房屋中間價為23萬到25萬元間，其實對投資人用處不大，理由是房屋個別差異太大。德州McAllen-Mission房屋中間價為6萬9660元，舊金山中間價近80萬元，所以中間價在小區域比價才有意義。紐約市曼哈坦上西城(Upper West Side)一間四臥房公寓售價數百萬，隔一條河的皇后區四臥房公寓價值約60幾萬到70萬元。上西城的房價和同樣在上西城的房價比才有意義。上西城和皇后區雖然同樣在紐約市，但不在同一個小區，所以，以皇后區的中間價和上西城的房價相比沒有意義。不過，下表中的數字還是相當有參考價值。
東北部
東北部中間價位(median price)房價最高的都市還是紐約市，為54萬6980元。「穆迪經濟」預估紐約上州Poughkeepsie房價未來兩年分別會下跌3.6%和3.3%，在東北部增值前景最不樂觀。美國東北部未來兩年漲價幅度最高的前三名分別為紐約雪城(Syracuse)、羅徹斯特(Rochester)、水牛城(Buffalo)。
西部
西部地區未來兩年漲價幅度最高的前三名分別為新墨西哥州、猶他州鹽湖城、華盛頓州Tacoma，漲幅如下。中間價位房價最高的前三名都市是加州舊金山、聖荷西(San Jose) 、加州Santa Ana-Anaheim，價格分別為79萬6180元、77萬6500元、71萬810元。舊金山、聖荷西因為靠矽谷近，房屋抗跌性強。過去幾年房市熱絡，建商湧入加州搶建房屋，現在加州部分地區房屋供過於求，美國未來兩年房價下跌最大幅度的前11個都市，有八個都市在本區。
東南部
東南部中間價位房價最高的前三名都市是馬里蘭州Bethesda-Gaithersburg、華盛頓特區、佛羅里達州West Palm Beach-Boca Raton，值得注意的是：這三大都會區未來兩年增資前景在全國一百大都市中分別排名80、89、88。東南部未來兩年漲價幅度最高的前三名都在德州，McAllen-Mission和El Paso緊臨墨西哥是邊境新興都市，San Antonio也距邊境不遠。德州大城休士頓和達拉斯、Fort Worth中價位房價分別為14萬9720元、16萬1210元和12萬7240元，成長潛力無窮。2007年美國房市最熱的前20大都市，有12個位於東南部。
中西部
中間價位房價最高的前三名都市分別為芝加哥、威斯康辛州Lake-Kenosha和明尼蘇達州Minnapolis。過去幾年房屋價格上漲，中西部房價上漲不多，在過熱的區域跌價時，中西部的20個都市2007、2008年房價只漲不跌。
大體來說，2007年在房市較為低迷的地區，是買方市場，買方議價空間較大。買方如果直接向建商購賣，比較有機會獲得較大的折扣，因為大部分建商賣出存貨才可疏解資金和利息壓力。沙加緬度北部的Pulte Homes公司最近賣出一幢2700平方呎四臥房住家，原來售價為49萬7000元，該公司給客戶18%折扣，外加8500元信用。葛魯佛夫婦最近在維吉尼亞Culpeper買了一幢1700平方呎的住宅，原來訂價為31萬9000元，建商Ryan Homes減價一萬元，交屋時又負擔9000元交屋費，並同意翻新主臥房。葛魯佛太太表示，如果她再多向建商要求折扣，或許折扣更大。如果透過經紀商向屋主購賣，可能比較不易獲得較大折扣。瑞士信貸房地產專家艾薇‧茲爾曼表示，折扣幅度自6%到房價的三分之一。建商為促銷，有時甚至贈送汽車、負擔假期的費用或免交屋費。
投資專家提醒，注意尋找較好的貸款條件，許多貸款機構提供所謂「可調整利率抵押貸款」(adjustable rate mortgage)，此種貸款在一段期間利率較低，過了此期間後利率就跟市場利率調整。投資人應多探尋貸款銀行，避免貸款中各種隱藏費用。
(摘錄世界日報 1/14/07)
January 05
After declining dramatically in 2007, construction of new homes in California will increase slightly this year, while remaining well below the average level of production in recent years, a building industry economist said Thursday.
In a forecast he called "not wildly optimistic, but optimistic nonetheless," Alan Nevin, chief economist for the California Building Industry Association, said he expects 128,400 single-family and multifamily housing units to be built statewide this year, up 10.5 percent from about 116,250 in 2007. The final numbers for 2007 have not been tallied, but it appears production was off by 30 percent from 2006, as builders statewide reacted to falling demand and the credit-market crunch by curtailing production and attempting to sell their existing inventory.
Nevin said he also expects Bay Area housing production to rise this year, to 21,000 units from about 19,000 in 2007. Of those, about 10,000 are forecast to be detached, single-family houses, and 11,000 to be multifamily units, meaning townhouses, duplexes, high-rise condos and apartment buildings.
Even if the increases occur, the Bay Area numbers still would fall far short of totals from 2002 through 2006. During those five years, an annual average of nearly 14,000 detached houses and 12,000 multifamily units were built. Statewide, the average in those years was nearly 190,000 homes...
California Building Industry Association
Article Launched: 01/04/2008 01:43:06 AM PST
CALIFORNIA HOME BUILDING FORECAST
After three years of decline, construction of new homes in California will increase slightly this year, the California Building Industry predicted in a forecast released Thursday. "The economic basics of the state remain strong," wrote the group's chief economist, who also described his forecast as cautiously optimistic. The table below shows the total number of permits issued for housing units constructed in 2005 and 2006, along with an estimate of 2007's final totals, which have not been tallied yet, and a forecast for 2008.
| Area
| 2005
| 2006
| 2007
| 2008 |
| Bay Area
| 26,901
| 24,308
| 19,000
| 21,000
|
| California
| 208,972
| 164,280
| 116,250
| 128,400
| Totals measure all construction permits for detached, single family houses and multifamily units, such as condos, townhouses, duplexes and apartments. January 03 Good short-mid term land Investment opportunity
***** perfect location+ lowest price
Almost 5 Acres Lot in East Lancaster is available in the market.
It is zoned R-7000, close to East 30th Ave H8.
Contact me for the detail information.
2 connect lots available , all of them are corner lot. you can choose to buy one or both.
The listing price is $75,000 each.
Contact me : ira4land@gmail.com for detail information January 02
This story appeared in the Antelope Valley Press on Wednesday, February 21, 2007.
LOS ANGELES - The Los
2008 Lancaster Top 10 Projects
Pretty impressive Commercial, Retail & Industruial projects in Lancaster :
You can find some of them in my website: http://www.ira4land.com/new
Lancaster:
- The promenade @ Amargosa Creek
The Promenade at Amargosa Creek is a new 115-acre, mixed-use development currently in the planning stages. The Center will be located in the thriving 10th Street West corridor surrounded by Lowe’s Home Improvement Warehouse, Target, Costco Wholesalers and the Lancaster Auto Mall.
Also Included in the master plan is a 30-acre expansion of auto dealerships along Avenue K-8 across form the existing dealerships within the Lancaster Auto Mall; 535,000 square feet of retail space, 88,000 square feet of pad space for major anchors, restaurant and other retail uses; 165,000 square feet of hotel space; 471,000 square feet of office space; and 67,000 square feet of theater space for a total of 1.326 million square feet of proposed commercial development.
2. Lancaster Town Center
Strategically located at Avenue K and 10th Street West, the new Lancaster Town Center is ideally situated to serve this thriving community with over 67,000 vehicle drive-bys per day.
The new $40 million center is anchored by a 180,000-square-foot Lowe's Home Improvement Warehouse, with an additional 150,000 square feet of retail space available for development.
The Lancaster Town Center was developed by Seabury Lancaster Investments of San Francisco in a public/private partnership with the City of Lancaster's Redevelopment Agency. The Property is represented by CB Richard Ellis
3. Lancaster Spectrum
Lancaster’s new Spectrum Center will combine shopping, lodging and dining opportunities in one convenient location adjacent to the Antelope Valley Freeway.
The 100-room La Quinta Inn of Lancaster will anchor the northwest corner of the center with available pads ranging from 2,500 to over 12,000 square feet. Anchor retail space and adjacent shops will total over 87,000 square feet.
Lancaster Spectrum is being developed by Martin Properties of Westlake Village, California. The company has a diverse portfolio of investment properties including office buildings, medical and surgical centers, retail shopping centers and state-of-the-art self-storage facilities throughout the Antelope Valley as well as Phoenix and Scottsdale, AZ.
4. Lane Ranch Twon Center 35 Acre retail center at Ave L & 60th St. West
5. Downtown Lancaster Downtown Lancaster Specific Plan
6. Front Row Center
Lancaster’s Front Row Center is a leisure time oriented shopping and entertainment complex that includes Clear Channel Stadium, Cinemark Theatres, two new Hilton brand hotels, Fresco II Mediterranean bistro and Johnny Reb’s BBQ restaurant.
Newly expanded at 27th Street West and Lancaster Boulevard, Front Row Center offers prime anchor opportunities for those who act soon
7. Valley Central Way
Valley Central Way is taking on a whole new look. The City and the center’s developers, Developers Diversified Realty, are investing $35 million in revitalizing the site that has served Lancaster residents since 1990.
Anchored by a brand new Wal-Mart Supercenter the reinvented Valley Central Way offers over 125,600 square feet of all new retail space and three new restaurant pads.
Valley Central Way is owned and managed by Developers Diversified Realty, a fully-integrated real estate investment trust (REIT) that develops, leases and manages shopping centers nationwide.
8. Lancaster Business Park
The Antelope Valley's premier business address offers discriminating firms a prestigious location for their corporate presence. Offering sites from one-half to 15 acres, these fully improved light industrial parcels and quality office building sites provide a park-like master-planned environment.
Home to 100 companies employing over 4,100 people, the Business Park has attracted many nationally known firms including Countrywide Home Loans, Deluxe, Inc., Federal Express, and Lance Camper. The Business Park offers relocating firms:
- Campus-like atmosphere
- Mature, professionally designed and maintained landscaping
- Fortune 500 neighbors
- All utilities, roads and improvements in place
- Convenient, low interest bond financing
- Fast-track specific plan for quick approvals
- Master EIR approved
Appropriate for:
- Corporate Offices
- Light Industrial
9. Fox Field Industrial Corridor
This 5,000-acre master-planned industrial complex provides an ideal destination for business wishing to obtain land for construction of large-scale facilities.
Home to major distribution and support centers for both Rite Aid drug stores and Michaels arts and crafts suppliers, Fox Field offers:
- Great freeway access
- Parcels from one-half to 1,000 acres
- Flexible land use within master-planned guidelines
- Proximity to general aviation airport
- Strong expansion potential
- Environmental work completed
Appropriate for:
- Warehouse
- Airport-oriented Firms
- Business Parks
- Freeway-oriented Corporate Headquarters
10. North Valley Industrial Center
Suited for industrial and distribution centers requiring rail access, the North Valley Industrial Center offers manufacturers parcels from one-half to 100 acres with build-to-suit opportunities. Priced very affordably, the Industrial Center features:
- Central Location
- Adjacent to Sierra Highway
- Easy freeway access via Avenue H overpass
- Backbone infrastructure in place
Appropriate for:
- Industrial
- Rail-oriented uses
Citing From CityofLancasterca.org December 29 最近各種房地產相關報導似乎有些令人無所適從，美國財經大老前聯準會主席葛林斯潘說，最糟的情況已過，「榮景可期」；有市場專家說，房市還會繼續下跌。本版面日前已有專文提出「區域差異」、「條件論」兩個衡量房地產市場的原則，所謂「區域差異」就是美國幅員遼闊，區域個別差異很大，對紐約市曼哈坦豪華公寓而言，「榮景可期」確實可信，但加州Stockton或拉斯維加斯(Las Vegas) ，未來兩年還等不到榮景。「條件論」則因人而異，某甲現金太多，希望增加房地產持有率，購屋後不準備短期轉賣，有時間及經驗維修及管理房屋的租賃，現在進場投資，時機還不錯；某乙現金也很多，也希望增加房地產持有率，購屋後不準備短期轉賣，但沒有時間及經驗維修及管理房屋的租賃，某乙就可能不適合進場，還不如投資優質基金，省掉管理房屋的麻煩，獲利不見得比買房屋差。
謹慎的消費者或許希望從數字看房地產趨勢，美國「穆迪經濟」Moody's Economy.com最近公布調查數字，對美國一百個都市未來兩年的價格趨勢作預測，在其預測中，拉斯維加斯和加州Stockton未來兩年跌幅在5.3%和8.1%之間，在全國增值排行榜名列最後。
增值率最高的城市為德州的McAllen-Mission和El Paso，McAllen-Mission 2007、2008年增值率高達8.5%、9.8%。El Paso未來兩年增值率為7.1%、4.4%。不過，McAllen-Mission和El Paso都是德州邊境新興都市，其房價上漲是新興都市的特殊狀況，其增值率不能當作全國平均數字。
現在把各區的年增值率、中間價位和增值排名表列如後：
中間價位是房地產業的參考價位，表示當地一半房價高於該價格，而其他半數房價則低於該價。美國現在全國房屋中間價為23萬到25萬元間，其實對投資人用處不大，理由是房屋個別差異太大。德州McAllen-Mission房屋中間價為6萬9660元，舊金山中間價近80萬元，所以中間價在小區域比價才有意義。紐約市曼哈坦上西城(Upper West Side)一間四臥房公寓售價數百萬，隔一條河的皇后區四臥房公寓價值約60幾萬到70萬元。上西城的房價和同樣在上西城的房價比才有意義。上西城和皇后區雖然同樣在紐約市，但不在同一個小區，所以，以皇后區的中間價和上西城的房價相比沒有意義。不過，下表中的數字還是相當有參考價值。
東北部
東北部中間價位(median price)房價最高的都市還是紐約市，為54萬6980元。「穆迪經濟」預估紐約上州Poughkeepsie房價未來兩年分別會下跌3.6%和3.3%，在東北部增值前景最不樂觀。美國東北部未來兩年漲價幅度最高的前三名分別為紐約雪城(Syracuse)、羅徹斯特(Rochester)、水牛城(Buffalo)。
西部
西部地區未來兩年漲價幅度最高的前三名分別為新墨西哥州、猶他州鹽湖城、華盛頓州Tacoma，漲幅如下。中間價位房價最高的前三名都市是加州舊金山、聖荷西(San Jose) 、加州Santa Ana-Anaheim，價格分別為79萬6180元、77萬6500元、71萬810元。舊金山、聖荷西因為靠矽谷近，房屋抗跌性強。過去幾年房市熱絡，建商湧入加州搶建房屋，現在加州部分地區房屋供過於求，美國未來兩年房價下跌最大幅度的前11個都市，有八個都市在本區。
東南部
東南部中間價位房價最高的前三名都市是馬里蘭州Bethesda-Gaithersburg、華盛頓特區、佛羅里達州West Palm Beach-Boca Raton，值得注意的是：這三大都會區未來兩年增資前景在全國一百大都市中分別排名80、89、88。東南部未來兩年漲價幅度最高的前三名都在德州，McAllen-Mission和El Paso緊臨墨西哥是邊境新興都市，San Antonio也距邊境不遠。德州大城休士頓和達拉斯、Fort Worth中價位房價分別為14萬9720元、16萬1210元和12萬7240元，成長潛力無窮。2007年美國房市最熱的前20大都市，有12個位於東南部。
中西部
中間價位房價最高的前三名都市分別為芝加哥、威斯康辛州Lake-Kenosha和明尼蘇達州Minnapolis。過去幾年房屋價格上漲，中西部房價上漲不多，在過熱的區域跌價時，中西部的20個都市2007、2008年房價只漲不跌。
大體來說，2007年在房市較為低迷的地區，是買方市場，買方議價空間較大。買方如果直接向建商購賣，比較有機會獲得較大的折扣，因為大部分建商賣出存貨才可疏解資金和利息壓力。沙加緬度北部的Pulte Homes公司最近賣出一幢2700平方呎四臥房住家，原來售價為49萬7000元，該公司給客戶18%折扣，外加8500元信用。葛魯佛夫婦最近在維吉尼亞Culpeper買了一幢1700平方呎的住宅，原來訂價為31萬9000元，建商Ryan Homes減價一萬元，交屋時又負擔9000元交屋費，並同意翻新主臥房。葛魯佛太太表示，如果她再多向建商要求折扣，或許折扣更大。如果透過經紀商向屋主購賣，可能比較不易獲得較大折扣。瑞士信貸房地產專家艾薇‧茲爾曼表示，折扣幅度自6%到房價的三分之一。建商為促銷，有時甚至贈送汽車、負擔假期的費用或免交屋費。
投資專家提醒，注意尋找較好的貸款條件，許多貸款機構提供所謂「可調整利率抵押貸款」(adjustable rate mortgage)，此種貸款在一段期間利率較低，過了此期間後利率就跟市場利率調整。投資人應多探尋貸款銀行，避免貸款中各種隱藏費用。
(摘錄世界日報 1/14/07) December 26
ACRES FOR ENERGY USES: GEOTHERMAL, WIND TURBINES
Article Launched: 12/25/2007 01:33:16 AM PST
Click photo to enlarge
The Altamont windmills looking south from Vasco road. Photo by Richard... ( Richard Wisdom )
Trivia question: Which South Bay city lays claim to more land outside its city limits than inside?
The answer: Santa Clara, which owns about 12,586 acres throughout the East Bay hills and Sierra Nevada. That's slightly larger than the entire city footprint, from the tip of Highway 237 to the foot of Valley Fair, from Calabazas Creek in Sunnyvale to Mineta San Jose International Airport.
Spurred by the oil crisis of three decades ago, the city in the late 1970s and early 1980s snapped up that outside land. In doing so, it became among the region's first to explore what's only recently become a cause celebre for cities big and small: Going green.
"It's become popular, hasn't it?" said Don Von Raesfeld, Santa Clara's city manager at the time, chuckling about the city's unusual buying spree. By planning a chain of wind, water and steam plants on land that otherwise would go undeveloped, the city hoped to protect customers of its hometown power company from massive rate hikes.
"The oil embargoes were starting and the prices were starting to shoot up, so we said, 'Shoot, if we develop our own resources and become independent from rising prices, maybe we could grab ahold of our own destiny,' " said John Roukema, acting director of city-owned Silicon Valley Power.
The idea of selling some of the land to generate money for a proposed San Francisco 49ers stadium surfaced briefly this year. But city officials now say no city land should be used to help finance a stadium; they are as committed as ever to using it for environmental purposes.
Santa Clara is no stranger to unusual land investments. Decades ago, it started buying hundreds of acres of land north of Highway 101, a move some critics scoffed at. Now? The city leases that land to major companies, sleek hotels and the Great America theme park. More recently, it's become the target of the 49ers' proposal to build a stadium.
When it comes to owning land outside city limits, at least one city in the Bay Area has more: the 29,888-acre city of San Francisco, which owns three times more land outside its borders. That land is used to generate alternative power. It's also used to deliver drinking water to millions in the region.
San Francisco's 92,111 acres are made up mostly of the 157 miles of pipelines carrying Hetch Hetchy water, providing the city with a continuous source of hydroelectric power. All of the city's energy is hydro-power and it's used to power the city's public buildings, light rail system and airport, said Betsy Rhodes, a spokeswoman for the San Francisco Public Utilities Commission.
In contrast, other Santa Clara County cities own far less land outside their borders. Palo Alto owns 233 acres of wetlands in unincorporated San Mateo County. San Jose owns about 139 acres, mostly for its airport and for wetlands preservation. Sunnyvale owns 151 acres, using some for a now-closed landfill and the rest to store recycled water.
More than 30 years ago, Santa Clara built four water-power plants and worked with utilities owned by other cities to build plants that generate power through water, steam and coal. It also worked with Santa Clara University to explore using methanol as a fuel and eventually powered some of its trucks with the alcohol, Von Raesfeld said.
Jerry Jordan, executive director of the California Municipal Utilities Association, remembers when the city was making its acquisiti |
Buy Land in Your IRAProfileFriendsFilesMore 
Tools 
Invite as friend