by Real Bread Campaign

Question by Andy F: Can one be a political Libertarian without being committed to 100% “free market” economics?
I ask this question partly because I was a teenaged libertarian long ago, and although I’m a leftist today, I still think there are many valid points in libertarian philosophy.

The notion that “free markets” are always best and always correct themselves through Adam Smith’s “invisible hand of the market,” on the other hand, just isn’t correct. And when libertarians with perfectly good political ideals try to pretend that “free market” solutions are always the best ones, I think they sometimes sound like dangerous simpletons.

As the English economist Arthur Pigou pointed about around 100 years ago, the nearly perfect functioning of the “free market” can occur in some capitalist societies; it isn’t always the product of conservative wishful thinking.

But the perfect “free market” is a limiting case of a much wider set of possibilities in market societies. A capitalist market society will only produce almost perfect outcomes when a half-dozen or more limiting conditions are met — for example, when there are no big oligopolies or monopolies to manipulate prices, when all consumers in the market have nearly perfect information, when all the economic actors in the market are rational or nearly so, when violence is never used to influence economic decisions, and when the market suffers from no major “externalities” (such as environmental pollution, big oil spills, etc.) that force one economic party to pay costs that arise from another party’s actions.

When these and a few other limiting conditions are not met, however, when a society suffers from what economists call “market imperfections,” then the “invisible hand of the market” may produce some fairly terrible results. And in those cases — which cover many economic conditions we find in real life — the market may benefit hugely from government regulation and/or government intervention.

Are there any libertarian thinkers, either in the USA or elsewhere, who are grappling with Pigou’s insights about the market’s virtues and limitations, both?

I’m now a democratic socialist and generally not very sympathetic to the libertarian movement these days. But I see American libertarians trying to grapple with the big BP oil spill in the Gulf of Mexico, and I think they’re floundering in embarassing ways because they lack a way to combine their legitimate defense of individual liberty with a realistic model of the American and world economies, which in many ways just don’t fit the classic “free market” model.

Can’t some creative libertarians devise some new intellectual formulas for combining an ardent intellectual defense of individual freedoms with a more realistic picture of how real-world capitalist markets actually work, and how they can and can’t be improved by the State?

Best answer:

Answer by Dave87gn
Nope, that would be like saying, I’m a jew who follows the pope

Know better? Leave your own answer in the comments!

by elmada

Defrosting Liquidity Freeze – Dealing With Credit Crunch

When one wants to make tons of money, he should be surrounded by thousands of fools, says an old adage on the stock market. It reiterated itself when Warren Buffet announced investment of $ 5 billions in Goldman Sachs (GS) and $ 3 billions in General Electric (GE) fetching him 10% interest per annum in addition to free warrants convertible into shares for next 5 years at currently depressed prices. 

It was considered by many as signs of confidence from one of the most revered and legendary investors of all time, Mr. Warren Buffet. No one bothered to ask the investee companies, why was he given the yield of 10% that was normally associated with the junk grade bonds or companies.  Have this bluest of blue chip companies degenerated into junk status? Are they next on line of “Olympic 2008 Parade of Bankrupt financiers?”

No one even noticed the rapid transformation of the legendary investor into usurious Money Lender at his advanced age of 78. No one even noticed that there was no real liquidity crisis, but the lenders like Mr. Buffet have lined up on the side line to seek the Risk Related Return (RRR) from the potential borrowers. “Greater the Risk, Higher you Pay” was the simple message displayed on the foreheads of every possible lender.

Otherwise, when the FED was willing to lend at meager 1.5%, why should the GS and GE pay up 10% to Mr. Buffet?   Within hours of receiving $ 3 billions from Mr. Buffet, GE rushed to the commercial paper market to raise further money for the payment of wages and salaries, and was glad to see the FED chief Mr. Bernanke dressed up in Santa Clause, disbursing billions more at just 2% (cut to 1.5% on following day). In short, $ 3 billions of Mr. Warren Buffet appear to have “gone with the wind “within hours.

What Mr. Warren Buffer announced was misunderstood and misinterpreted by almost everyone on Wall Street, Main Street, Capitol Hill, Fed, and entire community of journalists, analysts, commentators and interviewers. He meant, but did not say it, that the real market rates were extremely high, regardless of billions of dollars being printed in the backyard of Federal Reserve for free distribution later, and that no one was willing to lend unless he was rewarded with the return associated with the risk. (RRR)

Across the Atlantic, in London, relatively free market, the LIBOR rates rose to the highest, and yet no one was emerging as lender to lend to even commercial bank.

Why lenders look for higher return when the risk increases? 
If the lender lends today 0 for just 3% (when the FED rates is only 1.5%), and that loan goes bad, he has to lend it 33 times (100/3) more just to recover the old loan, and that too, provided no new loans going bad. If he had lent at say 24%, and if the loan goes bad, he has to lend only 4 times more to recover his old loans, presuming again all new loans remain good. This is why the local governments have to raise the funds at 20% or more in some cases. That is, there are lenders apart from Mr. Buffett.

When the risk profile of large banks have increased to the extent of bankruptcy running into hundreds of billions of dollars, the money market does become very tight, and the lenders withdraw into shelters when the market rates continue to be managed low by FED. The action of the FED to pump the markets with over 0 billions a day before and cutting the rate by 0.5% does not help. The money goes to bankrupt banks that merely set off the new funds against old losses. They do not lend more.

Mere injection of liquidity is not enough. The FED has to make it conditional, that if billions are given to say, Citi group, it should deploy funds only for granting new loans or buying the new Commercial papers issued by various corporate business with suitable sub limit so that the money is distributed widely. Supposing, the sub limit is set to $ 500,000 for small businesses to billions for large businesses like General Motors, they can carry on business by paying their employees the wages and salaries.

Float a New Bank or use smaller Regional Banks and fund them with $ 200 billions
Bush Administration may extend new loans through new bank or existing smaller banks to small businesses, large corporate entities, and consumers, subject to real tangible security with first lien. Limit the loans up to 25% of their annual sales, so that money rolls over every 3 months at least. 

Why avoid large existing banks?
All large banks are saddled with billions of dollars of old bad loans. Most of them are irrecoverable as they have no security backing. They are secondary papers with second lien. The primary security has been foreclosed, seized and sold by the primary lender, with nothing left for secondary holders. By funding these bankrupt banks is like adding fuel to fire. Good money would be thrown after bad money. When the money is scarce, the efforts should be to use the new supply as efficiently as possible.

The banks that are almost bankrupt may be asked to transfer deposit and loan accounts (including primary mortgaged loans with first lien (not the secondary derivative papers) to new banks, so that normal business continues.

Old banks with billions of dollars of bad loans without security may be merged with each other so that cross obligations are set off against each other. If after this adjustment, they are still unviable, let them die the natural death or hold the talks with debtors to accept only 20% of the outstanding debts repayable in next 5 years. Thus, the liability of the large banks will be reduced to 20% and liquidated @ 4% over next 5 years.

Higher Rates are biggest enemy to leveraged derivatives and swaps
We are in the midst of highly leveraged economy. It has to be deleveraged. These derivatives thrived in low interest rates environments where the cost of swap was very low. If the rates rise to reasonable level, even up to 9%, all leveraged transactions will be forced to reverse immediately. At the same time, the Bush Administration may fund the banks Mortgaged loans to consumers at special rate of say 3%, so that their interest cost does not rise. This kind of differential interest scheme may bring immediate stability in the market place.

Higher Rates also help Insurers
Ask AIG – why and where did it lose in billions of dollars, when there were not much claims due to natural calamities, fire, flooding, or death of individuals. They did not lose in their core business.The insurance companies receive free premium income from the insured. They found difficult to invest in higher yield long term treasury or local government bonds or well rated corporate bonds.

Mr. Greenspan has effectively killed the market of long term treasury bonds (10 to 30 years) by artificially lowering interest rates or even cancelling 30 years bonds altogether for 4 years (2003 onwards) so that interest servicing cost for the treasury remain artificially low on its massive public debt.

When the insurance company found no alternative long term high yielding safe treasury investment they started looking for exotic derivatives that used to give them higher yields, without realizing what they were getting into. The companies like AIG finally started buying highly risk derivatives like CDO, (Collateralized Debt Obligations) CDS (Credit Default Swaps) and CLN (Credit Linked Notes) without realizing the financial risk and legal evaluation of the securities to backed. If the insurance companies had option to invest into say, 6% 10 year bonds or 8% in 30 year bonds, they would not have invested into derivative papers with fake back up securities. 

Money should have some cost 

The Money has been printed so much that  the toy homes can be built by the American children with real US dollars. If Paulson and Bernanke prints trillions now, they will have to print  100 Billion Currency Notes with the logo of ex-Presidents. If they are spread on the 8 lane high way in United States,  it will cover 22,600 Miles 

The economists like Greenspan and treasury secretaries like Rupert Rubin or Henry Paulson (from Goldman Sachs) made the money worthless the moment they were issued or created. Their money did not have material cost 1% to 2% for most of the times. Their theory was that low interest will boost the stock market that will increase GDP, which will increase the value of their stocks held in Goldman Sachs. This was a myth.

Low Rates do not increase GDP or lead to healthy growth
Example,
Look at Japan.. It has been following near Zero interest rate policy since 1994. 14 years have passed and its Nikkei has slumped from 38000 to 9000+ yesterday (lost 75%) with no perceptible growth in real terms. Retiring Japanese with 10 millions yen find difficult to take care of himself in his retiring days because he does not earn anything on his life time savings. If he spends, he feels that his savings will be empty in a few years. If he was getting even 6% interest, he would have got interest income of 600,000 yen which he could spend without seeing his savings depleted.

Reasonable high Long term rates do encourage savings and increase GDP in real terms
Example,
In country like India, the growth is robust because long term interest rates for Provident fund etc are over 10%. This encourages savings from where the people spend without seeing their savings depleted. The PF amount is invested into long term high yielding Government bonds that assures steady decent income.

Look at what happened in USA 
And look at what these Greenspan and company did for United States. Often he was applauded for his brilliant management of economy. His philosophy was that Consumers contribute to GDP, so to make them spend more and more, lower the interest rates. That made the consumers to contract more and more debts – credit card, car loans, educational loan, home loans, top up loans on home mortgages and host of other loan products that fatten the banks with usurious interest rates.

Look at the signs at large stores selling Car to furniture. No interest for 6 months, no payment for 12 months….etc. This is what happens when the money is free and does not have cost. The people just become spendthrifts and go bankrupt. If they find difficult to pay – file for bankruptcy – that’s all. It is more like “Payable when able”

Money, Treasury and Gold 
If money does not have cost, they are more like Toilet paper. They can be printed overnight in Bernanke Press. Treasury bonds are also papers – can be printed at the sweet will of President Bush or Paulson or Bernanke.  Papers like Dollar and Treasury bonds can be printed and re-printed like books are reprinted with popular demand. Gold can not be produced artificially – it has to be dug from the ground

Why Interest rate will go to 24% to even 30% 
If you can not control inflation, control inflation numbers, were the theory, belief and practice of Greenspan. He invented new theory of inflation – Core Inflation and Non –Core inflation which was excluding violent food and energy prices.

Goddamn idiot. Food and energy constitute over 40% of household budget. Every family has at least 2 or 3 children, one of two college going young adults, 2 to 4 cars depending on the number of adult members in the family. How could you exclude the cost of Energy and Food from inflation and adjust your interest rate policy. When I left stock broking field, the CRB index was 191 – it rose to over 430 recently, that is gain of 240 pts in less than 7 years. This index covers over 17 elements of daily use – from Orange juice to Oil to dairy products and  commodities of daily use. In other words, the inflation rose by 31% per year (240 divide by 7). The United States was having “negative interest rates” by at least 25% for over 7 years in a row.  Those rates are now catching up and there is nothing the government can do. The creative management of inflationary numbers (called manipulations in layman’s terms) can not last for ever. You have to pay for it. The pay time has finally come in October 2008. The interest rates in United States have to rise to 24% minimum to weed out all excesses in the system that was built under the lousy regime of Alan Greenspan. May be high interest rates may remain for only 6 months, but that will force everyone to start respecting their own dollar.. The lesson that United States will learn is that “Money is not Free” and do not take it for a free ride.

How to defrost the present liquidity freeze? 
Stop cutting Interest rates – in fact raise interest rates up to 6% in 6 months in increments of 1% per move. Higher rates will bring out money lenders into the market that will force down the interest rates later with more participation. Currently, their participation in almost NIL

Adopt “differential interest rate policy”

Fund the banks of their mortgage finance portfolio with cheaper funds @ 2.5% for the time being. (MFR = Mortgage Finance Rates) Fund the banks of their Credit card portfolio with cheaper funds @ 2.5 % over the 30 year MFR Other bank borrowings to businesses be permitted @ 3.0 % over 30 Year Mortgage Finance Rate (that is, if MFR is 2.5%, then other commercial borrowings to be 5.5%). Please note that charging of even 9.5 % interest rate (based on maximum MFR of 6.5%) from FED to banks on commercial borrowing is not excessive. This is the ruling Prime Rae in most of the Asian financial centers and emerging economies. Bank to customer interest rates may be restricted to 2% over the Fed funds rate for respective category. Example, if MFR funding is at 2.5%, then the customer lending rate may be 4.5% (2% over 2.5 The idea of allowing only 2% above Fed funds rate is to ensure that the bank does pass on the benefit of the rate cuts in future to every section of the society. Currently, they may pay more but much less than the market rates.

Merge 3 or 4 large banks that have inter-swap positions outstanding.
This will cancel out cross obligations of each other.

Then Consolidate the fund based external debt (not deposits). Call the creditors of bad loans to work out discounted solution, agreeing to pay not over 20% of debt outstanding (or more if there is real security, Extend Federal guarantee to such amount and charge the respective banks guarantee commission @ 2% per annum. Take some equity for such help or warrants convertible into shares at any time for next 10 years. The creditors will have no choice but to accept the compromise, otherwise they will lose everything.
EXAMPLE: If the total bad debt outstanding is $ 50 billions, reach a compromise for $ 10 billions. Extend the Federal Guarantee to Billions and charge the bank guarantee commission @ 2% of guaranteed amount (0 Millions per year). After all these adjustments,. Ask the bank to come out with secondary public issue of which the State may take up 10% of public offer. This will infuse the confidence to investing public. 

Extend the Tax Cuts as under:

Corporate tax be cut by 5% now, followed by another 3% in second year, 2% in third. Total 10% The present corporate taxes of 35% is too high for anyone to invest in USA It will come down to 25% in 3 years. (In my proposal it is brought down to 18% in progressive manner) This will increase the real earnings of the company and boost its stock price, enable raising of new capital and also boost the stock market. There will be real strength in the economy, not paper trading or manipulations that both Paulson and Bernanke are indulging in. Personal Tax Cut may be extended by reducing the initial tax slabs substantially.
The initial tax slab be drastically reduced so as to benefit the low wage and middle income wage earners. While Interest rate may have some negative effect on the market (in fact it will have none, because slightly more interest rate is more desirable than wholesale collapse of financial system), The lowering of Corporate Tax and Personal Tax will have significant positive effect on the entire range of capital markets throughout the United States.

My Letter to the President Bush was ignored and they blew up over $ 3.5 trillions in 15 days

In my book, I have designed full range of tables of Income Tax for the corporate sector and also Individuals. The plan is so comprehensive that it will be liked by Individuals and corporate alike. Not only that, I have given most valuable suggestions to increase the revenue from other sources, so what is lost in taxation, is more than compensated from the other revenue stream.

I only regret that the no one in the White House paid any attention to my 4 page letter which contained the summary of 18 chapters of blue print for the recovery of United States of Americal. I had also warned that if the immediate actions were not taken, worse consequences would follow. That was my letter recceived by White House on 25 Aug 2008 and the situation started worsening 15 days later. And you know what happened from second week of September. I had also sent a copy of that letter to the Consul General of Hong Kong for his information and also for proper identifcation purpose.I would release the letter shortly on this blog site within a few days.

By not paying any attention to such important letter, at a time when the solution was eluding the nation, the Bush Administration blew up over $ 2.5 trillions in loss of market capitalization and also over trillions in so called “bail out” plans.

Kalidas, Hong Kong
Article ref: 0811-006 (Originally published on blog on October 10,2008)
Blog: http://www.anilselarka.com/

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by mia!

What is Marketing Analytics?

Marketing

First, let’s discuss the term marketing, and start by defining what it is not (or at least, what it shouldn’t be). Real marketing is not manipulative. Real marketing is not the slick used car salesman trying to rip you off. Real marketing is not trying to make a trash product look better than it really is. Real marketing is not deceitful.

Real marketing means bringing valuable products and services to the people who need, want, and are able to purchase them. Assuming you have a product or service that is valuable to other people, you already have a market. The trick for you now is finding that market, educating about your product or service, and building trust so that the market will purchase. When this occurs, both parties win – you make the sale, and your market gets your valuable product or service.

It sounds like a simple idea, and in theory, it is. It’s when we need to apply this theory to real world situations and make marketing work that the problems occur. There are many questions to be answered, such as: Who is my market (who needs my product or service)? What will resonate with them? How do I best educate them about my product or service? What are the best channels to reach them? How do I communicate with them in a way that they will understand? What are the ways I build trust with them?

Analytics

Because there are so many variables involved in marketing, it’s not possible to have exact answers to these questions. What’s more, the variables always seem to be in flux and we never have complete control over them, making it hard to find concrete, sure answers. Despite these difficulties, however, it still remains that we need marketing to work.

This is where the analytics enter the picture. Analytics, in practical terms, can be defined as the investigation of available data and facts (be it qualitative or quantitative) to arrive at an optimal decision. The analyst seeks to find true, valuable insight from the investigation of the data and circumstances.

Marketing Analytics

Combining the two terms, we arrive at marketing analytics, or the practice of investigating data and facts to make optimal and functional marketing decisions. The marketing analytics practitioner, then, must not only be able to do this type of analysis and see the data in context to get real insight, but he must also be able to translate this insight into action.

To be successful at marketing analytics, one must draw from a large base of knowledge and skills. An understanding of sociology, human relationships, psychology, communications, and statistics is necessary. Being able to write, educate, make an idea sticky, manipulate data, see data in context, and break down complexity into simplicity is essential. Marketing analytics can span from doing web analytics, search engine optimization, good website or advertisement design, social media, traditional PR channels, content creation, television and radio campaigns, to a myriad of other activities.

In short, it is not something you master in a day. It is a multi-faceted discipline that requires study, practice, and dedication.

Recorded on March 28, 2011 using a Flip Video camera.

by Ravi Karandeekar

Philadelphia Commercial Real Estate News

Philadelphia, fondly known as the City of Brotherly Love, is the largest city in the state of Pennsylvania, in the United States. It has a population of over 1.4 million with a growth rate of 1.2% on average until 2009. This growth is considered one of the lowest in the United States, however, at the present time, there has been a small but significant influx of migrants into the Philadelphia area which has helped somewhat make the office space market in Philly stable. Philadelphia played an important role in what has become America as we know it because it was here that the American Revolution and Independence was fought for.  We also list all the office spaces in Pittsburgh and the majority of local listings in: Blue Bell, East Falls, Hatboro, Manayunk, Market St., Oreland, Roxboro, Bridgeport, Chester Springs, Exton, Hanover, and Queen Village.  If you need an office space elsewhere check out our office listings.

Local Economy and Companies Supporting Philadelphia:

Philadelphia’s main economic interests lie in the areas of manufacturing, oil refining, food processing, health care and biotechnology. Some prominent Fortune 500 companies that have their base here are Comcast, Lincoln Financial Group, Sunoco, Rohm and Haas Company, Wyeth and Glaxo SmithKline. Some of the federal government’s facilities are also here for e.g., the United States Mint and the Federal Reserve Bank’s Philadelphia division.

Philadelphia New Commercial Developments:

New commercial development is said to be ready to make a comeback with the economy showing signs of recovery. Many business owners are planning their strategy for expansion and new ventures. The commercial districts are poised to be ready when the businesses come back strong after the turmoil. Even the local communities have agreed to work together to make these new ventures work.
Office Space In Philadelphia Rental Rates:

Philadelphia recorded one of the lowest office vacancy rates in the nation at 10.2% despite the economic crisis hitting the whole country. The commercial office rentals faced a hard knock though with a huge dip in rentals which has been experienced across the entire country.  The bad economy has affected all types of spaces like serviced units, temporary office spaces, furnished units, and even just conference rooms rented by the hour have dropped in price.  Many land and building owners had to package their tenancy agreements with a lot of concessions to make it attractive for businesses. The average office rentals in Philadelphia ran from .65 to .75 per square foot in the central business areas. This trend is expected to continue right through to 2010 and even further as most experts think office spaces in Philadelphia will take a few years to recover as most companies are afraid to commit to a lease or long term office rental.  For more news on the local area and other major cities check out our commercial real estate articles.

Philadelphia Crime Rates and Current News:

The crime rate here is at 54 crimes per one thousand residents. This figure is considerably low if compared to the other cities in the US of the same size and population. Philadelphia is made up of large divisions, namely North, Northeast, Northwest, West, South and Southwest Philadelphia. These areas surround the Center City. Many people like to go to the old part of the city in Downtown Philadelphia rather than the mid town as the traffic is much bearable and you can take a pleasant walk to the ‘Welcome Park’. It is the place where the government of Pennsylvania first started its administration at the Slate Roof House way back in 1701. You will also come across the City Tavern Restaurant where you will find the waiters dressed in old colonial costumes to give it an authentic quaint feeling.

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by Real Bread Campaign

Ohio Real Estate – A Changing Market Scenario

The state of Ohio with its vast population has something to please everyone; be it job or outdoor recreation. The big cities like Columbus, Cincinnati and Cleveland are considered as gems in Ohio.  The state is actually redeveloping its big cities with energized economy. Overcoming the evils of recession, this state is an ideal destination for the typical hard working folks. And just like every other industry in Ohio, real estate too is undergoing some major changes.

Since 2006 Ohio real estate market has experienced downfall that has forced many homeowners to sell their properties suffering heavy losses due to foreclosure. However, this economic fall in Ohio was not as drastic as it was experienced in other states of the country. And the only reason behind this was that fact that Ohio never experienced enormous increases in its real estate values during the real estate boom years. It always had steady growth and therefore there was no dramatic freefall in its price decreases.

Presently, the Ohio real estate market is once again changing; and this time it’s for the best. The state bores many evidences of economic turnaround – home sales in its major cities are seeing small increases in property values. The government too is encouraging the first time home buyers to invest in Ohio real estate market by offering money in the form of tax incentives.

Apart from tax credits there are several other reasons why you must consider investing in Ohio real estate. The first is of course its numerous foreclosure listings. In fact, it is a great source for finding suitable properties at affordable prices. And it is needless to say that the prices of foreclosure homes are generally much lower than their real market value. Moreover, Ohio foreclosure listing includes all kinds of homes ranging from Columbus condos to suburban homes to rural farm houses.

Though foreclosure homes are someone else’s misfortune, they are good business opportunities for the real estate investors. In fact, some of the Ohio foreclosure listings come with financial incentives and some local and governmental programs can also assist you in buying foreclosure homes.

Foreclosure or not, once you have decided to invest in Ohio real estate you must have a clear understanding of the present market trends. This will help you to decide whether or not you are getting a good deal on your quest for a property in Ohio.  And a good way to do this is to appraise the neighborhood.  For example, to evaluate Columbus homes for sale check out the value of similar properties in the same neighborhood. While investing in Ohio real estate find out whether or not the property needs renovation. If yes, make an estimate of the total costs and ask the seller for a lower asking price.

Generally, all these procedures are quite complex and involve a large amount of paperwork. And if anything goes wrong while drafting the paper you may even land up with legal hazards, not to mention the waste of your time and money. Therefore, it is recommended to hire an Ohio real estate agent to ensure smooth dealing with your venture. These agents can actually help you in numerous ways from finding a suitable property to generating its background check and from making a reasonable offer to the sellers on his/ her asking price to help you become pre-approved with a lender.

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Question by mtgguy: I need help finding a news article stating a “property investor” or aka ” real estate investor” make at least
stating a “property investor” or aka ” real estate investor” make at least 29K per month ($ 348k per year. NY ONLY ARTICLES.

Thanks for your help!
I am a mtg broker. The lender needs proof on a stated loan(se) that a investor can make upwards of $ 29k per month in the NYS market.
I been checking NY times, Newsday, etc for past articles with no luck

Best answer:

Answer by Funding Dreams
Are you looking for a Job to make that much a month? or just the article. I know of a place to direct you where the sky is the limit depending on your ambition and it is in NY. This is with Property Investor and real Estate Investors

Call me if you want…..
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Covent Garden Real Food Market


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Econometric Analysis of the Real Estate Market and Investment Price Comparison

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The New ¿1031 Handbook: Good News for Real Estate Investors

Properties for sale and purchase are not created equal. There are differences in structure, order and disorder. Differences arising over ownership and title, shared ownerships, tenants-in-common, joint partnerships, and corporate properties, all of which may, in part, combine to make each exchange unique. Real Estate Investors need guidance and “The 1031 Handbook” is just what the doctor ordered. The basic principles of exchanging are revealed quickly to both new investors and those seasoned vet

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by Andrea Kirkby

Facts About Online Trading and the Stock Market Hours:

For someone to succeed in the stock market, there are some facts the online trader must know. A lot of people think that trading at the stock market is a gambling and this has caused many to loose large sums of money, because the are coming to the market with that mentality of a gambler. In order to have a proper understanding of the market before investing your real money, one can use an online game called the stock market simulator, which duplicates every aspect of the transactions that took place at the real market. This simulator can be used to learn some expert trading strategies, give you some important information that are vital and also put you through the different trading hours. This is simply a mock of the real happenings at the real stock market, but it is delayed till the market closes to avoid the abuse of it. Once you can understand what is happening here, playing in the real market will not be difficult. Any profit or loss you make with this system is simply imaginary since you are not staking your real cash.

There are two types of simulators that are common in the market. However, the most common ones are called the financial stock market game simulator and the fantasy game simulator. The financial stock market simulator gives you all the information that you can get in the real stock market. Any web site that offers the services of this simulator puts some securities in check against the activities of some unscrupulous people who might try to abuse the use of this as a non trading tool and use it to gain undue advantage in the real market. They make sure that the information here is not used for the real trading during, before or after trading.

For the fantasy game simulator, you are thought to trade in an easy to understand way. They try to make you feel like you are actually playing a game while in actual fact, you are learning. This type of simulator presents only imaginary stocks which will never be traded on the real stock market.

Any body without any background of stock trading that practices with either of this games will catch up easily. Some of the items you can see at the fantasy game simulator are questionnaires on best seller books, and the reason for this is because these are things that people are familiar with which makes your chances of catching up with the trend easier. This system works because people learn faster and easier when you are teaching them with what they are familiar with, compared to when they are learning with what is alien to them. So, with the fantasy game simulator, you are having fun and learning a serious business together and this reduces the stress which goes with any heavy duty. Learning is a duty.

Getting to know how to buy and sell shares and understanding the stock market hours, are critical issues to understand before investing in the stock market , and learning these is not a bread and butter affair. However, with the help of the stock market simulator, learning all these strategies can really be fun, thereby helping you to invest with confidence.

Question by Don’t call me dude: Can a “free market” exist?
Is a “free market” one of those things that, due to the inexactitude of ideas and language, we can give a name to but that can’t actually exist in the real world?

Success in the marketplace means profit. The marketplace cannot be divorced from society at large, so in a capitalist economy sufficient profits automatically translate into political power. The holders of political power have never in the history of capitalism refrained from using it to intervene in the marketplace to insure their continued success, thus by definition making it NOT a “free market.”

Is a “free market,” thus, impossible?

Liberals, conservatives, libertarians and social democrats, all in their own ways defenders of capitalist economics, are fond of saying that a socialized economy cannot survive. However, socialized economies HAVE existed for a time, however perverted, warped and “Stalin-ized” they might have been.

Are there ANY examples of a “free market” in history?

For ANY period of time?

Best answer:

Answer by It’s That Guy
The free market is an ideal. It has never existed in its pure state and it -can’t-.

As you point out, capitalism contains the seeds of its own destruction. Capitalism depends on competition. But where there is competition there are winners. And where there are big enough winners, there is no longer competition. The natural path for any market is towards monopolies. So it takes a certain amount of govt. regulation to maintain competition. Too little is as bad as too much. But our attitude today is that -any- regulation is bad.

The whole history of govt. regulation in the US is totally anti-free-market. Some new thing starts, like broadcasting 100 years ago or aviation in the 1920s. At first it’s a free-for-all. Until one big company manages to pull ahead of the others–RCA and Westinghouse in one case, United and Pan Am and American in the other. Then these big companies go to the government and say ‘You have to regulate so we can protect our markets!’ And the regulations are written to give these ‘winners’ an open track to oligopolize the entire market. Then, after 50 years or so, the big companies are so solidly entrenched that they find regulation stifling, so they go to government and say ‘Regulation is killing us! You have to de-regulate!’ And the govt. deregulates! So the purpose of both regulation and de-regulation is to reward the winners and quash competition.

Karl Marx predicted that corporations would grow larger and more powerful. The more powerful they got, the more influence they’d have over governments until, eventually, the corporations would become more powerful than governments. At that point, corporations would no longer ‘belong’ to any one nation. They would become ‘global capital’ and search the earth for the cheapest labor and resources and the richest markets. He made that prediction 150 years ago, but if he was around today he’d be saying ‘I told you so!’

Know better? Leave your own answer in the comments!

by Ravi Karandeekar

Question by Chris: Current News: Donald Trump eyes new real estate: The White House. Thoughts?
Donald Trump is considering running for president in 2012.

http://abcnews.go.com/Politics/video/donald-trump-considers-2012-presidential-run-11810995

Best answer:

Answer by xpatinasia
Like Meg Whitman, he can spend $ 125 million – or $ 1 billion – and he won’t become president.

Know better? Leave your own answer in the comments!



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The Second Annual Users Choice Awards

(PRWEB) October 28, 2000

Contact: Leah Cheatham

                                                Phone: 972-818-3900

For Immediate Release:

TeleMagic named “Gold Best in Class” winner in The Second Annual Users Choice Awards Presented by CUSTOMER SUPPORT MANAGEMENT magazine and RealMarket.

Dallas, October 25, 2000— TeleMagic has been named a “Gold Best in Class” winner in The Second Annual Users Choice Awards, sponsored by CUSTOMER SUPPORT MANAGEMENT magazine and RealMarket. The company’s product/service (name product/service) was entered in the category of Contact Management Solutions.

The Users Choice Awards is the only awards program in which customer relationship management (CRM) products are judged by the end user. There were more than 168 product entries in a total of 34 categories including: Call Center Communications/CTI, Hosted Customer Management Application Services (ASP), Customer Interaction Management Solutions – Mid-Market, and Customer Satisfaction Measurement Solutions.

At the CRM/Support Services Conference & Expo held last week at the Moscone Center in San Francisco, awards were presented by Katherine Grayson, Editorial Director of CUSTOMER SUPPORT MANAGEMENT, Gary Lemke, President of RealMarket and a team of special guest presenters including Ron Muns, Chairman of HDI, Pete McGarahan, Chairman of Help Desk 2000 and Paul Hebner, Executive Vice President of Call Center Network Group. Ms. Grayson stated, “Nothing speaks so directly about the quality of and effectiveness of a product as does end-user acclaim.” “It takes more than just a good product to create happy customers. These winners are obviously doing a number of things well to receive high praise from their customers” added Gary Lemke, President of RealMarket.

CUSTOMER SUPPORT MANAGEMENT, the magazine for optimizing the customer relationship, is the only enterprise-level solutions publication written exclusively for senior executives, directors and managers responsible for CRM, from the customer service/support and eService viewpoint.

RealMarket provides fact-based market research for customer relationship management organizations and publishes “RealMarket Today!” a daily e-zine providing a concise source for the latest breaking news in CRM.

To enter a product in the 3rd Annual Users Choice Awards. Log onto http://www.userschoiceawards.com

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by Ravi Karandeekar

Real Estate News: Nationwide Biweekly Administration

The economy has been rough these past few years, but there are big signs of a turn around, especially in home sales on the horizon. After years of bleak outlook on the home sales front, recent data suggests that a larger than expected rise in home sales is a trend and not just an anomaly. With a surplus of existing homes on the market, prices have continued to fall, making it an ideal situation for those in the market for a new or first time home.

Cities who experienced the biggest growth during the housing boom and have been in a high foreclosure state ever since have the most ground to gain. With home values at recent lows, they have become affordable to a whole new demographic of home buyers. Nationwide Biweekly Administration, one of the country’s leading administrators of biweekly mortgage plans, has been tracking home sales throughout this interesting economic climate the country has faced for the past three years. The results have made it clear: the uptick in home sales is here to stay.

Economic recovery doesn’t happen overnight, but the long hard climb back to accelerating sales every month in the real estate industry has been taking shape over the past 18 months. From Hartford to Honolulu, from Milwaukee to Mobile, from Charlotte to Chicago – home sales are on the rise and excited buyers are in the market for mortgages in higher numbers that at any time in the past 36 months.

Home buyers looking to make the smart choice will turn to Nationwide Biweekly Administration for its Interest Minimizer plan. A biweekly mortgage plan gives you the most bang for your buck, so to speak. Consider the case of a 00 per month mortgage payment. Over the course of one calendar year, the home owner would make 12 payments totally ,000. If those same home owners had a biweekly plan through Nationwide Biweekly Administration, they would still make payments totaling 00 per month, but they’d be split into two payments of 00 each. Over the course of one calendar year, the home owners would make 26 payments totaling ,000. That’s one full extra payment a year that is applied purely to the loan’s principle. Over the lifetime of the loan that saves the home owners thousands of dollars in interest.

The good news in real estate is that home sales are rebounding at rates that spell economic growth for our country. People who lost homes a few years ago or people who’ve never owned their own home or people who want a bigger home in a different city – all demographics of home buyers can benefit from a biweekly mortgage plan from Nationwide Biweekly Administration. After all, gaining equity, saving on interest and paying your mortgage off quicker are all good, financially sound ideas!
Nationwide Biweekly Administration

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by Ravi Karandeekar

Asbury Park Life™ Grows 20,126 % – Covers N J Shore Events and Real Estate News

The amazing phenomenal 20,126 % growth of www.asburyparklife.com ™ benefits the New Jersey Shore , from Sandy Hook to Long Beach Island. Asburyparklife.com ™ started in Asbury Park, NJ only a few short months ago and covered music events of such super stars as Bruce Springsteen and Bon Jovi, and great rock clubs such as the Stone Pony, and disco spots such as Club Paradise, and great restaurants such as Moonstruck, Bistro Ole, and Carmines. The site’s popularity grew very quickly and the demand for information on the New Jersey Shore was evident. The site now covers all Ocean Front Towns in Monmouth and Ocean Counties, such as Atlantic Highlands, Sea Bright, Monmouth Beach, Long Branch, Asbury Park, Ocean Grove, Bradley Beach, Avon, Belmar, Spring Lake, Sea Girt, Manasquan, Point Pleasant, Bay Head, Mantoloking, Seaside, Barnegat, and all of Long Beach Island. Under the internet marketing direction of IFFPF Inc. (www.iffpf.com) and its President and internet expert , Paul Hauke, the site was expanded to offer special pages for “Jersey Shore Real Estate”, “Jersey Shore Events” , “Jersey Shore Boardwalk Life”, and the “Ocean Front Mall ™”. Asburyparklife.com ™ is the only website covering all Ocean Front Shore Towns in Monmouth and Ocean Counties. The site is now the best in searching for great New Jersey Shore amusements, summer rentals, boating , fishing, entertainment, Monmouth and Ocean County real estate, restaurants, nightclubs, hotels and motels, and great online shopping at the “Ocean Front Mall ™”. The only web address you’ll ever need for the New Jersey Shore is www.asburyparklife.com

Top Broker and Real Estate Sales Trainer Neil Schwartz explains what it really takes to be successful in today’s Real Estate market. Visit neilschwartz.net for more great tips.
Video Rating: 5 / 5

For the latest Peter Schiff, go to PeterSchiffBlog.com – The fact the builders are finally letting up is a good thing. They were trying to introduce more supply to an oversupplied market. They have only been doing this because the government was subsidizing them. In addition, the costs to owning a home have been going up. Utility costs, maintenance costs, and taxes are all up. This has lessened the demand for owning homes. The dollar is at a record low against the Swiss Franc. There has been worldwide political upheaval. People are starting to perceive that there is no quality in the dollar. Usually there is a flight to the dollar during uncertain periods, but not this time. This looks good for other monetary metals like gold and silver. You certainly don’t want to buy the financials or anything related to the real estate market. You might want to short some of those stocks if that’s your thing. Real estate will continue to fall nominally, but even more in real terms.

by Ravi Karandeekar

Playa del Carme Real Estate News – New Development in Mayakoba

One of the spotlight projects in Playa del Carmen real estate in the up-and-coming area just north of town is the Mayakoba resort complex; besides hotels and a golf course, contributing greatly to image and lifestyle, the complex also includes Playa del Carmen condos for sale. Recently the company announced its plans to begin construction of a second phase.

The president of OHL, the company which has developed Mayakoba, Juan Miguel Villar Mir announced that the company will be investing 1 billion dollars in the development of this second phase.

He also announced that the company has invited Lorena Ochoa, a well-known Mexican golf champion, to design the new golf course, together with Greg Norman, designer of the current Mayakoba course, El Camaleon. This course is host to the Mayakoba Golf Classic, Mexico and Latin America’s first PGA event. This February, from the 23rd to the 27th, the fifth annual Mayakoba Golf Classic took place, and Ochoa participated as a special guest.

The golf course, the tournament, the hotel complex and the residential areas have all contributed greatly to the emergence of this part of Playa del Carmen as one of the city’s newest upscale areas, as well as Playa del Carmen’s emergence as “Latin America’s golf capital.”

As a result, many other fine Playa del Carmen property options are appearing in the area near Mayakoba, including villas, condos and high-end condo-resorts. Since the is relatively new, prices are still accessible and very competitive.

Villar said the project will be developed in an area of 400 hectares (just under 1000 acres), which will also include a support village of support for workers in the complex. He said that the company expected to comply with all environmental permits and begin construction in six months.

Villar, who was in charge of welcoming attendees to the fifth annual Mayakoba Golf Classic, said that besides the golf course and support village, they will also develop a residential area on the land located opposite the Mayakoba resort.

So far, OHL has invested over a billion dollars in five hotels, three of which are already finished and two more are under construction. The new investment for the golf course, support village and residential area will match this amount.

TOPMexicoRealEstate.com; Mexico’s Leading Network of Specialists for Finding and Purchasing Mexican Properties Safely

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Positive Signs in Milwaukee Real Estate Market Renew Buyer Interest in Luxury Condos for Sale

Exterior view of The Point on the River

Chicago, IL (PRWEB) October 22, 2009

Homeowners and developers in the area are breathing a collective sigh of relief as the Milwaukee real estate market continues to report positive home-sales data, a trend that was supported at a recent event for luxury condos for sale in the city.

According to Metro MLS Inc., Milwaukee County recorded its sixth straight month of rising home sales in September, registering a 6.8 percent increase for September 2009 over September 2008.

Meanwhile, more than 300 guests attended a grand opening event for the recently completed penthouse condos for sale at The Point on the River, a 12-story loft-conversion at the intersection of the Milwaukee and Menomonee Rivers, and a half dozen units were sold or put under contract, according to Chicago-based sales and marketing firm, Garrison Partners, and the developer, Milwaukee-based Mandel Group.

Garry Benson, principal of Garrison Partners, said low interest rates, standing inventory and the soon-to-expire $ 8,000 First-Time Homebuyer Tax Credit are prompting buyers to get into the Milwaukee real estate market. And developers are finding new ways – or revisiting old ones – to attract buyers to their projects.

For Garrison Partners and Mandel Group, that meant hosting a large-scale event complete with a full-service bar, gourmet hors d’oeuvres and pop-up galleries featuring the latest in interior design trends. It was the first such event for Garrison in many months, and Benson noted that it yielded a great return on investment.

“Live events have always been one of the most effective ways to build buzz and generate interest from prospective buyers for new developments such as these condos for sale,” said Benson. “There is no substitute for being able to experience the space, touch the finishes and see the views. Seeing a room packed with 300 prospective buyers was a very encouraging sign that buyer confidence is returning. It also sends a message to developers that it’s time to get back in the game, to start marketing again.”

The penthouse preview event was the second event at The Point on the River this year. In February, the development team hosted a grand opening for the lower floors, which also generated healthy sales activity for Milwaukee real estate, Benson noted.

A turnaround of a distressed asset, The Point on the River is a good example of how event marketing can effectively revitalize and renew interest in a project.

“By reintroducing the property to buyers in stages, we were able to continually build their confidence in the community,” said Benson. “As the building’s success has continued, buyers who were once on the fence about buying Milwaukee real estate are now taking action.”

For more information about The Point on the River, visit http://www.thepointontheriver.com or call (414) 298-1600.

Contact:    

Monica Heckman, Taylor Johnson & Olesker

312-267-4525

###

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by Ravi Karandeekar

Question by Callum: What is the best way to advertise your self as a real estate agent?
Im going to start my career in real estate soon and i was wondering whats the best way to advertise your self to big clients? or to any clients as a matter of fact.
Business cards?
News paper adds?
TV adds?
billboards? ext..

Best answer:

Answer by Jarrett
Put your face on the side of a bus! It totally works for Boehm!

Add your own answer in the comments!