Saudi Arabia to build 15,000 new homes in Taif | Real Estate ...

Posted by staff reporter
Sunday, January 06 - 2013 at 05:15 UAE local time (GMT+4)

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Source: http://www.ameinfo.com/saudi-arabia-build-15000-homes-taif-324657

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Banks ignoring foreclosure in wealthy housing markets ? Beverly ...

2012 was a flashback to 2005 real estate.? Bidding wars, flippers, and hungry investors all diving into the market with many purchasing homes without fully analyzing the numbers.? There is a very clear trend in the current housing market and how banks are processing foreclosures.? It is a parallel to what Mr. Getty once said about large loans owed to banks; the bigger your mortgage, the more likely it is that the bank will not foreclose on you in a timely fashion.? I usually browse Beverly Hills real estate as a source of a prime Los Angeles market and also, because many people can understand that this is a selective area.? Today I was looking at my data feed and found it amusing the mix of foreclosures and MLS listed properties.

90210 Analysis

I ran a quick search and pulled up 160 properties for the 90210 zip code that are currently for sale:

Total data: ????160 homes for sale (zero REOs)

This looks like one of healthiest markets around the country.? What I found interesting however is when we dig into the distressed pipeline data.? I went ahead and pulled the current distressed inventory for Beverly Hills and found the following:

64 homes have received a notice of default, are scheduled for auction, or are bank owned.? This is a significant amount of distressed properties.? Last month 24 homes sold in the 90210 zip code with a median price of $3.4 million (up 52 percent from the previous year).? So I wanted to take a look at some of the REOs in the distressed pipeline for Beverly Hills.

This home is not listed on the market for sale even though it is currently bank owned.? But it might help to follow the history on this place and see how motivated banks are to act on these kinds of properties:

October 1992:??????????????????? $155,000

November 1999:????????????? $860,000 (sale price)

July 2004:???????????????????????????? $500,000 (WaMu Loan)

Aug 2005:??????????????????????????? $750,000 (WaMu Loan)

Aug 2006:??????????????????????????? $250,000 (WaMu Loan)

Aug 2007:??????????????????????????? $1,292,000 (WaMu Loan)

From looking at the history, it looks like the home was bought in 1999 for $860,000 and was then used as a home equity withdrawal machine. By August of 2007 WaMu had made loans on the property up to $1,292,000.? Hard to say how much down was put on the initial purchase but by the end, it really did not matter since nearly $1.3 million was owed.

At a certain point this became too high of a cost.? So let us look at how quickly banks will move on high priced Beverly Hills homes:

Notice of default (June 2011):??????????????????? $65,237

So by the first notice of default, the owners were already in arrears by $65,237 which is already higher than the median annual income of California families.? An auction was then scheduled on September of 2011.? By this point, the balance was $1,411,201.? Still nothing.? Then another auction was scheduled for April of 2012 and at this point, $1,474,396 was owed.? Keep in mind the last refinance put the place at $1,292,000.

So run the numbers:

Last refinance 2007:??????? ??????????????? $1,292,000

Last auction filing 2012:? ? ????????????? $1,474,396

In other words, the bank allowed the loan balance to balloon by $182,396 with missed payments and fees for more than 1.5 years.? Finally in November of 2012 JP Morgan that took over WaMu ended up taking the house as an REO.? This is probably the unsettling truth for many when they examine these numbers.? As it turns out, the bigger your mortgage and the wealthier the neighborhood, the more likely it is that banks are not going to foreclose on you quickly.? Keep in mind that these families also have more disposable income and also know the loops of the game.? For example stalling tactics or legal filings that reset the entire foreclosure process.? In the end, this family likely stayed in a million dollar home without paying a dime for over 1.5 years.

This is merely one example of the 64 properties in distress.? Banks now realize that prices are going up so why rush to sell?? This home is not listed for sale but the market has been hot in 2012.? Better to constrain inventory and inflate prices since the entire accounting system is frozen in place to allow for easy disposal at high prices of this distressed inventory.

Don?t you just love California?? Even when you go broke in a wealthy neighborhood you still get the privileges that are not available to most Americans.? Compare this to Arizona, Nevada, or even the Inland Empire where banks are yanking homes quickly to unload to hungry investors and flippers.

Did You Enjoy The Post? Subscribe to Dr. Housing Bubble?s Blog to get updated housing commentary, analysis, and information.

Source: http://www.doctorhousingbubble.com/banks-ignoring-foreclosure-in-wealthy-housing-markets-beverly-hills-mls-lists-zero-foreclosures-for-the-90210-zip-code-but-distress-inventory-still-high/

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Small Businesses and Commercial Finance - Commercial Mortgages

Whenever the financial year may begin for your business, a new year is a chance for a new start, an opportunity for the businesses that have endured struggle; to re-evaluate strategies, short term aims and long term goals. For the small business owner, 2013 is a chance to maintain growth and retain financial strength however, with economists forecasting a 50-50 chance of an astounding triple dip recession; how can the risks to business finances be minimised?

According to the Centre for Economics and Business Research (CERB), a range of predictions have been made surrounding inflation, the commercial industry and the Bank of England; all of which indicate that the small business owner may very well be treading on murky waters.

The UK economy faces great challenges; challenges that may put investors, savers and business owners at great risk but what other options are available? And can the risk levels facing the small business owner be at all minimised?

The overall economic strength of 2012 evidently declares that the first quarter of 2013 will be weak and although predictions indicate that the Funding for Lending scheme may soon start to take effect; the small business owner is encouraged to seek financial advice from an independent service.

The independent commercial finance specialist acts as an intermediary and will work only for your business. As a specialist broker; an independent financier works as a middle man between the borrower and lender. Acting upon the best interests of the business and with the assistance of an in-depth application process that will analyse business plans, financial figures and predictions; the independent broker will secure the ideal loan needed for commercial survival in 2013. The beauty of this middle man is simple; unlike the sales driven bank staff, the success of an independent broker lies in the success of borrower and lender dealings which, may ensure that the risks of hiked fees, surprise costs and charges are greatly minimised.

How does an independent broker work? It is quite simple; there are many finance brokers available on the market however, for the small business owner it is often suggested that a specialist commercial broker be contacted. A commercial broker firm is one consisting of professionals all expert in the field of commercial finance and with access to an abundance of unique, high quality and specialist commercial lenders who, as a result; will work to match your business with the ideal lender and secure the best deals and the best interest rates that may not be achievable by the high street bank.

The financial options available to the small business owner will vary from lender to lender however; the best commercial brokers will offer a wide range that may include the following:

• Commercial Mortgage- Although renting may seem like the most viable business option; it is a commercial mortgage that will offer steady payments allowing for a better chance to secure cash flow, tax deductibility, equity and the ultimate end goal of property ownership.
• Bridging Finance- A surprise bill, ever growing debt, or quick expansion can be aided by bridging finance. A short term loan that can often be secured within three days; bridging finance is ideal when desiring fast results.
• Buy to Let Mortgage- If your new or existing business involves property leasing than a buy to let mortgage is the ideal option. With the housing market still under strain, a buy to let mortgage is a fantastic option for lenders to capitalise on a growing market.
• Development Finance- For those seeking investment in an exciting project; a development finance loan is the ideal solution. Often difficult to obtain from the high street lender; an independent broker may offer a better opportunity for success.
• HMO Mortgages- Again, an ideal solution for the property investor; a HMO mortgage will allow you to capitalise on the growing demand for student and shared accommodation.
• Invoice Financing- Cash flow is a major issue and may stand between success and failure however, invoice finance will allow for better management and control.

?

The above are just a few financial options that may be offered by the commercial mortgage broker. For the small business, whether a legal firm, retail store or perhaps even a property portfolio; an independent broker will offer a greater selection of loans all at a greater rate. What?s more is that for those who have adverse credit and may have previously been rejected financial aid from the high street retailer; achieving financial support from a broker may not be as difficult as expected.

The threats facing the small business owner are unfortunately still as great as ever which is why, as we settle into the new year; the trusted and reliable financial options must be sought if the risk potential is ever to be minimised.

Is your small business ready for the challenges that 2013 will no doubt bring?

Source: http://www.charlestonfinancial.co.uk/small-businesses-and-commercial-finance/

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Video: Sandy Flood Funds Fight

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Source: http://video.msnbc.msn.com/cnbc/50366139/

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Charter Communications to Hire 100 Employees - Chesterfield, MO ...

Town and Country based Charter Communications is hosting a job fair Tuesday, Jan. 8. The company plans to hire approximately 100 employees. Most will work in the call center located in Town and Country Commons, near the intersection of Highway 141 and Clayton Road.

The job fair is 11:00 a.m to 2:00 p.m. and from 5 to 8 p.m.?at the Sheraton Westport Chalet, 191 Westport Plaza in Maryland Heights.

As previously reported by?Patch, this news comes after?Charter's October announcement that the company was relocating its corporate headquarters from Town and Country to Connecticut.?At the time of the announcement, Charter also said it would be hiring more call center and local employees.

According to Charter Spokesperson Jessica Hardecke, the corporate move is now complete. She said?the nearly?100 new positions are for service advisors and sales specialists who will handle customer calls from across the country.

"Charter is seeking candidates with experience delivering world class customer service, computer and/or technical skills and sales aptitude," a company news release stated.

Hardecke said interested candidates must bring current resumes with them Tuesday. Hiring managers will be on site at the job fair and interviews may be conducted that day.?

Candidates are also encouraged to dress professionally, Hardecke added.

"We'll review all the resumes and such and make offers to the select candidates shortly after," Hardecke tells Patch.?

She said training classes will begin in January and run through the first half of the year.

"So we'll be bringing people on as quickly as possible,"Hardecke said.

About 700 people currently work at the Town and Country Commons call center, Hardecke added.

For more information on the positions or to apply online, visit?www.charter.com.

Read Previous Articles:?

Charter Executive Offices Leaving St. Louis for Connecticut

Charter Relocation Incentives Delayed, But Move Still on Schedule

Source: http://chesterfield.patch.com/articles/charter-communications-to-hire-100-employees

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North American Seminars Receives Florida Continuing Education ...

North American Seminars Receives Florida Continuing Education Course Approval for Utilizing Pilates to Enhance Rehab Outcomes an Online/DVD PT Continuing Education Course

(PRWEB) December 30, 2012

Florida Physical Therapists can receive up to twelve hours of online continuing education per two year period. Florida Occupational Therapists can receive up to twelve hours of online continuing education per two year period. Utilizing Pilates to Enhance Rehab Outcomes is an online continuing education course that meets these requirements for Florida Physical Therapists and Florida Occupational Therapists and had been pre-approved by the FPTA and the FOTA.

Purchase online and get instant access to the material. Physical Therapy Continuing Education on the ipad?, smartphone, laptop or personal computer. View movies in full screen, High Definition. Once completed with the material, take the online test. Score 70% or better and print your Continuing Education Course Certificate. The Interactive DVD, filmed in High Definition is shipped to you for reference, for use in the clinic and to educate your entire team.

Physical Therapy and Occupational Therapy Continuing Education Course Objectives

????Understand the benefits of Pilates, specifically in the rehabilitation setting.

????Describe all the principles of Pilates and the applications of each in a clinical setting.

????Be able to perform a variety of Pilates exercises and teach patients the appropriate exercises for their conditions.

???? Understand which Pilates exercises address specific impairments encountered in the rehabilitation setting.

???? Discuss the latest evidence for integrating Pilates into the orthopedic, neurologic, and geriatric populations.

???? Demonstrate understanding in the practical application of Pilates exercises covering a variety of conditions and diagnoses that are presented in a case study format.

???? Develop progressive rehab programs utilizing the fundamentals of Pilates principles for a variety of diagnoses to include geriatric, neurological, work related injuries, orthopedic and cardiopulmonary dysfunction.

Over Eighty Pilates for Rehab exercises are integrated into the case studies in the online training program. Specific diagnoses are discussed and exercises are related to the specific diagnosis. For more information and sample videos of this online continuing education course visit http://www.healthclick.com.

Source: http://www.cardifffilmfestival.co.uk/north-american-seminars-receives-florida-continuing-education-course-approval-for-utilizing-pilates-to-enhance-rehab-outcomes-an-onlinedvd-pt-continuing-education-course/

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Get pot from vending machines, company suggests

Now that Colorado and Washington have legalized marijuana, entrepreneurs are embarking on what is being called "the green rush." NBC's Pete Williams reports.

By Jeff Black, NBC News

If a California company has its way, recreational marijuana users in Colorado and Washington state will one day be able to get their pot out of vending machines.

Such machines are already in use in some states where medical marijuana is legal, but now the maker?s founder says the company is working to adapt the machines to comply with new laws in Colorado and Washington, where adults can legally use marijuana for recreation.

The vending machines for medicine require a fingerprint scan to verify the identification of the patient, which is then linked to a prescription on file.

But as Washington and Colorado figure out how to create a legal pot market for the masses, Hollywood-based Medbox, a public company, is offering up its expertise in convenient delivery systems.

---

"One day we envision these machines to be accessed, when it's allowed, 24 hours a day,"?Vincent Mehdizadeh, the founder and chief consultant of a subsidiary of Medbox that produces, installs and consults on the vending business, told NBC News. "One day in the future that may happen, but for now these machines sit behind the counter as an inventory control and compliance tool."

He said the Medbox machines and consultancy are in high demand in states such as Arizona,?Massachusetts?and Connecticut that have published medical marijuana?regulations. Dispensaries use them to keep marijuana from being pilfered and comply with laws.

So where will all that 'legal' pot come from? Sale of pot stymied

Medbox is now offering to work with Washington and Colorado officials who are mobilizing to create the framework for a legal marijuana industry - and to collect taxes on pot sales.

"These machines behind the counter act an inventory control and taxation tracking tool so that the states can effectively track the taxes and collect on them more efficiently with real-time reporting directly from the machine to the state database," Mehdizadeh said.

The company also helps operators get licensed in states that have licensing programs.

"We've probably been the most?successful?consulting firm in the marijuana business," he said.

Mikhail Carpenter, spokesman for Washington?s Liquor Control Board, said Medbox has been in contact with the state but at this point no outside vendors have been chosen to help with marijuana sales.

Under state law, marijuana and marijuana-infused products, Carpenter said, would have to be sold from inside the confines of a retail outlet.

?So I can?t imagine with the way the law is written that you would see vending machines on the street corner,? Carpenter told NBC News.

In November, Washington and Colorado voters passed initiatives to legalize the recreational use of marijuana. Those laws went into effect last month.

Buzzkill: Feds fire warning shot over pot legalization

In Washington state, voter-approved Initiative 502 made it legal for anyone 21 or over to possess up to an ounce of marijuana, 16 ounces of ?solid marijuana-infused product? (pot brownies and such) or 72 ounces of ?marijuana-infused liquid.

Washington?s Liquor Control Board has until Dec. 1 to develop rules for implementation of its new recreational marijuana law.

Watch the most-viewed videos on NBCNews.com?

Colorado, under Amendment 64 to the state Constitution, legalized not only recreational use, but also home growing, which is still illegal in Washington.

Growing, selling and possessing marijuana remains illegal under federal law, and the federal government is reviewing options in both Washington and Colorado.

President Barack Obama last month weighed in on the issue, telling ABC?s Barbara Walters the federal government has more important things to do than go after recreational marijuana users.

?We have bigger fish to fry,? he told Walters.

Two Colorado University students are facing multiple felony charges after campus police say they fed marijuana-laced brownies to their unsuspecting classmates and professor. KUSA's Nick McGurk reports.

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Source: http://usnews.nbcnews.com/_news/2013/01/03/16327561-recreational-marijuana-users-could-get-pot-from-vending-machines-company-says?lite

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