Archive for July, 2006

Sunday, July 30th, 2006

5 Killer Steps to avoid Credit Card SCAMS!!!!!

  • If it makes sense, complete the online form.

  • Take a deep breath, and relax. Within 30 days, the list will start working for you. I can personally attest that, while the solicitations have not stopped completely, they have significantly, significantly decreased.

    Join the FTC No-CALL-Registry, and enjoy a reduction in telephone solicitation phone calls.

    2. TELEPHONE SOLICITATION:

    Believe it or not, the vast majority of lenders out there are legitimate. Also, believe it or not, a lot of these lenders utilize telemarketing as a method of reaching out to potential customers.

    1. But beware of a wolf in sheep�s clothing. Legitimate Lenders never ask for a processing fee in order to complete your application (this does not include appraisals during a real estate transaction in Escrow�We are discussing credit cards here).

    2. Keep your personal information to yourself! Don�t give out bank information, credit card numbers, social security numbers, etc., to someone you don�t know, on a telephone call. Use your common sense.

    3. If you don�t have the offer in hand, or confirmed in writing, then don�t pay. This is fraud. Who is this person on the phone anyway? Get their phone number, their address, their federal tax ID number, and then tell them you�ll call back. If they�re legitimate, they�ll give it to you. If you question them, then I say trust your instincts. You�re probably right on target.

    Who is this on the phone? Don�t trust people you haven�t had a chance to get to know. Don�t let one enticing offer on a phone call, be your guide…

    3. 1-900 NUMBERS:

    A 1-900 number is, of course, a phone number that charges the caller per minute for making the call. Whether it�s a 1-900 number, or a future manifestation of the same type of telephone service, be wary of doing business this way.

    1. The most common Credit Card SCAM, in all of its different forms, is called an �ADVANCE FEE LOAD SCAM�. Typically, you will find these in the classified section of your local newspapers and trade magazines, and unfortunately, you�ll also see them floating around the internet.

    2. In a nutshell, the perpetrator will guarantee you a loan, but you have to pay them an upfront fee first. The fee can range from $100 to several hundred dollars. The charges can be extracted using telephone services like 1-900 numbers. Beware of courier services, and transactions that avoid the US Postal service, often conducted so as to avoid detection. The scam is that once the fake company has your money, they disappear from the planet, leaving you a victim of their con. You are out money, and no credit card.

    3. Now lets� not confuse Advance Fee Load Scam artists with legitimate lenders and institutions. I can attest that there are real companies out there, trying to help you to get the credit, loans, and consumer debt services that you need. I believe in many of these services, and I believe in the convenience and power of the internet. However, use your common sense in all your business transactions in life, and that includes credit. Never give someone money without getting anything back in return. Never trust someone that you don�t know. Never get enticed into a deal that�s too good to be true.

    Use your common sense, and don�t fall prey to the con artists slight of hand, such as the Advance Fee Load Scam…

    The folks are doubtful about the utility of this well written article as well.

    It helped some of the folks who were searching for Las Vegas mortgage. But few were unfortunate.

    If you are hunting for a report on Las Vegas mortgage, you can easily decide about the applications of the write-up. To assess if the piece of information holds some importance for you, you might comprehend it till the hindmost word.

    4. ANNUAL FEES, INTEREST RATES, ETC.:

    Credit Card Scams come in all different shapes and sizes. Many of them are, arguably, not scams at all, but let�s just call them credit card offers involving consumer unfriendly terms.

    1. Read the fine-line. Every Credit Card Offer must provide the Consumer with written documentation on the terms of the offer.

    2. Check the Annual Fee, the Interest Rates, the Cash Advance Fees, the Late Fees, and all other terms of the offer.

      c) Make sure you know what you are getting. Some offers are for secured cards, some are for unsecured cards, and some offers are for shopping portals online and offline (Like a department store card). So, while none of these are scams, by definition, it is important that you fully understand the terms of the credit card offer that you are agreeing to.

    Be a responsible consumer, and read the terms and conditions of your credit card offer…

    5. THE UNITED STATES FEDERAL TRADE COMMISSION::

    The best place to go for direct consumer information, protection, and remedy, is the United States Federal Trade Commission…

  • The FTC website is: http://www.ftc.gov

  • The FTC can provide you with TONS of free information about Credit Cards, and other consumer related concerns. They can help you learn more about what to avoid, how to be a smarter consumer, and what to do if you believe that you are a victim of fraud, and what your remedies may be.

    The FTC is there to help…

    SUMMARY:

    Use the No-Call Registry to cut down telephone solicitations in your home and places of business. While many legitimate lenders utilize telemarketing, be careful. Don�t give out personal information to people you don�t know, don�t pay up-front processing fees over the phone, and get everything in writing. Consider yourself an advised consumer on �Advanced Fee Load� Scams, and look out for the signs, when these scams regrettably make their way to you. Read the terms of the offers that you are considering, and utilize the FTC website for trusted information, resources, and all related materials on consumer credit card issues.

    We�ve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

    Publisher�s Directions: This article may be freely distributed so long as the copyright, author�s information, disclaimer, and an active link (where possible) are included.

    Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.

    About The Author

    Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. You can check out Tom’s website here: http://loan-resources.org, or you can email Tom at info@loan-resources.org.

    Copyright 2004, by Loan-Resources.Org

    I hope this piece of literature helped you. This piece of article is picked to content your force to examine more.

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  • Thursday, July 27th, 2006

    Can Your Ideas Really Make You a Millionaire?

    If you are searching for the information on Las Vegas mortgage then this is the ideal article for you. You will discover some captivating trivialities on real estate here. Transmutation can eventuate to your views.

    You really require to read it thoroughly to have the complete acumen. Here it proceeds.

    What would you say to me if I told you that I owned the moon and I’d be willing to sell you some land there at a good price…You’d probably think I were nuts or tell me to get lost, right? Why the heck would anyone buy land on the moon? Now, what if I told you that someone has already tried this? And, what if I told you that he is now a multi-millionaire and soon to be a billionaire due to his moon real estate deals?

    Goodness gracious. Now that you have read till this point, we assure that additionally you will have something incredible. Get an extra mileage by flipping through the pages further.

    If this sounds like a joke to you, please read on, because this is no joke. The sale of lunar property has been ongoing for over twenty years by the Lunar Embassy, which is the only company in the world to possess a legal basis and copyright for the sale of lunar, and other extraterrestrial property within the confines of our solar system.

    The biggest support of this claim has been in the form of actual lunar landowners such as two former US presidents, NASA employees and many well-known celebrities such as Tom Hanks and John Travolta.

    So, how did I find out about this? While I was watching TV in Japan! Yeah, they had a half hour story on this guy and I just couldn’t believe it. Anyways, Dennis the founder had been in the real estate business back in the 70’s and he had a really hard time. He just couldn’t sell and ended up frustrated and destitute in a parking lot sitting in his open top car wondering what to do with his life. While he was looking up at the sky he saw the moon. He suddenly had an idea strike him. He thought to himself that if he could buy land on the moon and sell it, he’d become rich.

    So that is exactly what he did. Now, he had a real hard time in the beginning. Many lawyers turned him down on his crazy idea but he never gave up. Finally he found a good lawyer that would help him get started legally. Being in the moon real estate business meant he had to have strong legal foundations of course.

    He and his lawyer discovered that the UN Outer Space Treaty of 1967 stipulated that no government could own extraterrestrial property. However, it neglected to mention individuals and corporations. Therefore, under laws dating back from early US settlers, it was possible to stake a claim for land, and register it with the US Government Office of claim registries.

    So a declaration of ownership was filed with the United Nations as well as the US and Russian governments in 1980 by Mr. Dennis M. Hope of the Lunar Embassy, to ensure that a legal basis for the ownership of the properties sold here can be claimed. Yes, that is right, Dennis has a company that owns the land reseller rights to the entire moon!

    He then set out to sell his new property. Now if you can imagine Dennis going door-to-door trying to sell acres on the moon back in the 80’s you can probably guess how well he did. He didn’t make one sale for fiftenn years! Now, I don’t know about you, but for most folks, fifteen years is a very long time to not make a sale.

    No doubts about the coherence of this article, still the individuals are quivery about its advantages.

    It was a bliss for those who were hunting for Las Vegas mortgage. But few of them didn’t benefit.

    You can analyze this stuff if you are all hot for the facts on Las Vegas mortgage. As a reader you need to be patient to comprehend till the terminating word.

    However, did he give up? No, and he finally got his big break when a celebrity named John Travolta decided to buy a large plot of land. Well, once the word got around Hollywood, pretty soon everyone wanted a piece. Next thing you know the press is all over this story and his sales went through the roof.

    He now has a website where he sells property on the moon. Lunar Embassy has authorized PlanetaryInvestments.com to resell Lunar Property.
    And guess what..people from all over the world have bought plots for sales in the millions and he has sold just a fraction of the land available. You can buy land for yourself or as a gift. Just think, you could buy a piece of the moon and give it to your kids or your spouse or girlfriend and tell them to think of you everytime they see the moon. They even have an affiliate program!! Am I an affiliate? No, I just cannot get myself into selling moon property, but it looks like some people are earning good money as affiliates.

    So there you have it. No idea is too crazy or to wild if you have determination and there is a buyers market. Remember, all it takes is one killer idea to make you a millionaire.

    About the Author

    Jeremy Gislason has over 15 years of business experience. For webmaster resources, downloads, articles and recommendations visit and subscribe today:

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    Tuesday, July 25th, 2006

    Which One Is The Ideal Las Vegas mortgage For You?

    The triumph of real estate and Las Vegas mortgage is related. To go for the splendid Las Vegas mortgage, you need to add lots of endeavor. You could easily attain your desired real estate goals with the recent Las Vegas mortgage. Effectiveness and beneficial nature of this Las Vegas mortgage will elucidate your all issues.

    Work agenda, individualized security, environment and health status; all make us reluctant to move out for perfect Las Vegas mortgage. So it isn’t an astonishment that even the world’s most advanced communities are facing with real estate predicaments. People in general don’t have time for achieving Las Vegas mortgage and those who do, are too expended by long work days.

    Moreover to facilitate some very fruitful bits of info along the way, Las Vegas mortgage facilitates a wide variety of real estate opportunities. Las Vegas mortgage would be pleasurable for all of us. Nevertheless, with the industry being so jampacked with a comprehensive range of Las Vegas mortgage, we see a keenness for counsel in making the most ideal chances. Presently there are two different kinds of Las Vegas mortgage in the industry. So to choose the best Las Vegas mortgage for you, let us have a quick look at what each one of them has to offer.

    There are two types of Las Vegas mortgage. The first one is conservative Las Vegas mortgage. Its name claims that it is the easiest Las Vegas mortgage. The more effortless a Las Vegas mortgage, lesser are its concerns. So that’s a positive feature; it would last longer. Now, let’s talk concerning current Las Vegas mortgage, the next Las Vegas mortgage type. If traditional Las Vegas mortgage is the most distinguishable, then current Las Vegas mortgage is the most toilsome. And same is with their challenges. Moreover, you might seek to pay more for modern Las Vegas mortgage. So decide which one you wish for you.

    Frankly communicating, there is no firm rule to resolve which type of Las Vegas mortgage is efficient than the other. Yes, you could get great assistance in Las Vegas mortgage decision by comparison of Las Vegas mortgage features. Don’t let it skip from the mind, the Las Vegas mortgage that fits your friend completely, isn’t ensured to be as decent for you. Hence read up certain Las Vegas mortgage reviews and comprehend according to your own circumstances.

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    Saturday, July 22nd, 2006

    To Pump Up Your real estate Business to Sky High; Take Fascinating Box and E-mail Marketing For Granted

    With the reappearance of Las Vegas mortgage email spam and rampant newsletters stuffing inboxes there may be an impact among masses that email advertizing is wrecking its impulsion. Email Las Vegas mortgage advertizing can be a decisive factor for real estate industry as it is becoming a hit tool day by day. Newsletters and fascinating boxes are the artful mechanism to be implemented over here. Enchanting box bridges the differences between the buyers and the marketers. Email advertizing can create keenness among common mass leading them to show preference for Las Vegas mortgage leads.

    The email newsletter worked out by me is likely to give best outcomes in Las Vegas mortgage advertizing. It looked like triumph could be acquired through email advertizing. Both online and offline advertizing complemented one another. The mystical box was used to warm the Las Vegas mortgage leads. People advertizing Las Vegas mortgage product got inspiration by the appreciation in sale.

    Email selling needs merely pennies. By and large, one percent of acknowledgment rate from direct mail is taken into account as perfect for real estate. Services in Las Vegas mortgage email selling can be astonishing. As per one report, over 78 percent of online Las Vegas mortgage shoppers are due to permission-based emails. Plus, nearly 60 percent of email recipients have got in a shop as a consequence of Las Vegas mortgage merchant emails.

    The advantages of Las Vegas mortgage email promotion are many; escalated sales, stronger brand keenness with customers and improved consumer relationships. For Las Vegas mortgage email selling you can circulate the journal on periodic basis. Have links going back to your real estate web page, where leads can discover your association additionally and buy your Las Vegas mortgage. It indicates that the sale of Las Vegas mortgage product is directly comparable to its brand consciousness among the customers and to the kind of relationship it maintains with them. Acquiescence to have access the email accounts of buyers shows their liking to comprehend regarding the product. If otherwise, you will have to suffer. Do not impose your newsupdates on them.

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    Tuesday, July 18th, 2006

    What a Blog Might Do Regarding Your real estate Survival?

    Blog will compensate email, it appears. Folks may become comfortable with blog as they are with email. Will real estate blogs promote your Las Vegas mortgage? Allow us to explore. A real estate blog mainly caters to short, consistently updated posts associated with Las Vegas mortgage. These posts are taken up by marketer in sequence of their appearance. These real estate blogs are surely a corporate means for communicating with shoppers or other real estate marketers to share sapience and expertise.

    real estate businesses having huge turn over are anticipating some other advertizing plan. This gives a window of opportunity for small real estate traders to adopt blogging and acclimate it to the small industry environment. Discover what a real estate blog could do for you. Merely write your concepts, link to resources, and publish your blog, all at the click few buttons.

    Will Las Vegas mortgage blogging be really fruitful for small real estate businesses? Las Vegas mortgage blogging can be an excellent choice of web existence. Thus, small Las Vegas mortgage contributors ought to shift to blogging. Web site demands coding and uploading and therefore it is a time taking process but revising the weblog is a much quicker process.

    Don�t miss the likelihood and contact your audience. Las Vegas mortgage representatives can persistently import new opinions for its advertizing purposes by blogging. Las Vegas mortgage blogs are not constantly advantageous. The purpose of Las Vegas mortgage blogs is unique from that of websites. They have limits for e-commerce answers and could be time-consuming with periodic posts. Since blogging is inexpensive; it will be fruitful for you to position your real estate existence through Las Vegas mortgage blogging quite early.

    Beginning a Las Vegas mortgage blog would be influenced by how dedicated you are to intrinsic resources. Here technology is establishing to be an insignificant-obstruction to entry. While you can install software and host your own blog, you would also easily make use of a low-cost hosted service with no technology engagement. Is your Las Vegas mortgage blog done?

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    Saturday, July 15th, 2006

    Hunt for your Las Vegas mortgage and real estate dreams with truthfulness and clear focus.

    Only certain persons like to buy, go in partnership with or work with a Las Vegas mortgage that is just wrapped up with self. That’s like choosing a set of elaborate engineered drawings for a big, comfortable dream home into your team or organization and asserting if you try real hard, someday this will be mine. Irony like this has to be handled. Las Vegas mortgage that thinks to earn earning only, don�t exist for long. Correspondingly, a Las Vegas mortgage that does not pay consideration to profit making cannot endure for long.

    Looking for profits without a higher aim or pursuing a work without income are equally fatal policies. real estate expectations cannot be felt if Las Vegas mortgage is not economically sound or advantageous. Our aims, objectives and aspirations must be laid out positively specifically monetary issues. Carelessness and depletion has to be abandoned at all costs. Proficient practices must be developed with reference to real estate tasks so that blossoming outcomes are produced.

    Just one Las Vegas mortgage needs to be focused on at a time. If you intend to get the task done in a very wonderful manner, you need to keep your focus at it only. Many a times, we pick multiple things all without giving it a second thought. It is not to communicate that different real estate ideas bear losses. It merely reflects that for a definite period of time, like an hour, week or month, one significant focus gets our full attention. Disclosing big dreams demands that from us.

    Your predictions of Las Vegas mortgage and real estate can comfortably be put into subsequent three spheres of life. In the long run it is going to provide you wonderful quality of life, ensure economical freedom and boost the value of your relationships. Keep up your real estate focus, take care of your own views and feelings so that they are assured and desirous and enjoy your life. This seems easy, and still it can be the most complicated part.

    This imaginative real estate job takes shape in the ethereal sub conscious world before it can be viewed in the real world. Evaluate a seed implanted in the ground. Before it ever cracks the texture of the soil and displays its first leaves much has occurred to move it in the way of its potential. Our real estate fantasies are identical. Just after a lot of planning, does our final Las Vegas mortgage/real estate ambitions are to be seen. Having faith in self and realizing the fact that formulation is consistently at work with in us are two prime factors that we need to stay afloat.

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    Wednesday, July 12th, 2006

    Fraud in Real Estate, Are You Being Victimized? - Part II

    kismetrei@earthlink.net

    This article might have been a fabulous source of cognizance. We have taken pains to offer you a terrific write-up.

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    Monday, July 10th, 2006

    Madeline Hill; Senior Community Pioneer

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    Madeline Hill may be unique among senior community developers. She created her multi-million dollar �city,� � an upscale, yet affordable group of single-family homes, condo�s and apartments — not so she could become a rich and powerful CEO, but so she could hand the whole thing over, debt-free, to the home-owner�s association.

    It was a vision thing. Hill got the idea when she was a high-level bureaucrat with state senior services and saw her friends getting old, needing help and having no place to go but assisted living centers, adult foster care and nursing homes in the big town 15 miles away.

    Why couldn�t this aging group of friends live near each other for support, have services brought to them (rather than being shipped around to various facilities as their need for care deepened) and, above all, keep and use their hard-won equity to maintain their own home — a much simpler, single-level, maintenance-free home that works for older people?

    �What decided me was when my neighbor fell and it became apparent she couldn�t stay in her home,� said Hill. �She asked me to help her move to an apartment 12 miles away. She cried in the car and said, I bet you won�t come visit me. She said she would never again see her friends, the library, the parks, the friendly cashier at the market and all the things that spell community and make life worth living.�

    Through the 1970s, the vision took hold � helping older people to live independent lives, with dignity � and surrounded by friends, family and community. Especially women, who, at that time, hadn�t had access to credit and the knowledge of how to handle money.

    �I took a seminar called �Do You Have What It Takes To Be an Entrepreneur.� It was oriented toward women and it opened my eyes that I could do things and be assertive � that women could be leaders, make decisions and that it was ok for women to talk about money and power and be comfortable in that realm.�

    But Hill herself knew almost nothing about money and to prove it, she and her husband Hunter had just lost $40,000 by handing it over to a broker who put it in limited partnerships, �which had no inherent value but were supposed to be good tax shelters,� Hill said.

    �It wiped us out and was embarrassing, too. I decided I was never going to put faith in something I didn�t understand. I started reading about real estate. The concept came: I knew my town � Ashland — the city council and planning commission and the local economy. The was something I could see and feel and learn � the opposite of sending money to New York City.�

    Hill went to the library (this was before the internet) and checked out books on how to make a million in real estate. She also read two life-changing books � Phyllis Chesler�s �Women, Money and Power� and David Schwartz�s 1959 classic, �The Magic of Thinking Big.�

    �Schwartz showed me that, with about the same effort, you can do something to help one person or a whole lot of people. About the same time, a guy came (to her state jobsite) and gave a lecture on the positive nature of change. In doing the processes and games, I realized all the others resented and resisted change and I was the only one who loved it. I knew I had to get out of there.�

    Hanging onto her job in the meanwhile for cash flow and borrowing power, Hill in 1985 bought her first rental for $19,000. She could choose tenants, check the their credit and divert savings from jobs into something that was growing. (The Rogue Valley was then beginning an enormous surge of immigration, mostly from California, and appreciation in housing prices that�s still going on.)

    The investment was hands-on and labor intensive. With help from her retired parents, Hill learned how to hang sheetrock and insulation, lay carpets and paint rooms. She liked it. It was real and tangible, with results you could see and feel a sense of accomplishment about.

    She joined the local rental owners association, learning from peers � and her realtor � how to analyze a property with an eye to something that would grow. She told her real estate agent to watch for the next good property. It was a duplex for $72,000 on a nice street in rapidly appreciating Ashland. Hill in 1987 took the big leap � refinancing her own home for the down, but getting lower interest so her own payment remained the same.

    The magic of investment was beginning to work. She fixed up the duplex (now appraising at $270,000 a gain of over $12,000 a year) refinanced it to lower interest twice, while pulling out $25,000 each time to land two more rentals, since fixed up and sold at profit.

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    But it wasn�t all about the money. Hill was an old-fashioned liberal and feminist, whose values were shaped in the sixties and seventies. Her work was always somehow grounded in the improvement of society, an ethic instilled in her by old-fashioned, hard-working Norwegian parents who lived with and cared for their aged parents and a disabled aunt.

    �My mom drove a school bus for disabled children and my best friend had cerebral palsy and was in a wheel chair. I got to deeply value disabled people as who they really are inside. As a child welfare worker, my first job out of college, I began trying to move handicapped children out of hospitals and to advocate for them being part of society,� she said.

    Hill�s life mission shaped itself around getting people out of institutional settings and into the mainstream. As a social worker in the 1970s, she did just that with veterans, then, through the 1980s, as regional manager for State Senior Services, got to see the hopelessness of nursing home residents � and started doing something to phase them out.

    She pioneered the federally-funded �Oregon Model for Long-Term Care� � moving seniors to community-based settings, such as adult foster care and assisted living facilities. The model was the centerpiece for a White House Conference on Aging and was adopted by dozens of other states.

    By now, Hill was one of Oregon�s leading gerontologists, serving on state councils on aging, the city senior program, human services advisory commissions � even a board bringing top entertainment acts to nursing homes. She�d created radio and tv shows on women and the aged and been the first woman to run for mayor of Ashland. She had clout, credibility and could get things done.

    In 1989, Hill was getting ready for the big leap into building a senior community. Two things pushed her over the line. A seminar on the power of change at her state jobsite (�I realized in the processes and games that I was the only one there who loved change and risk�) and the offering of the perfect 16-acre piece of rural property with smashing views, just on the outskirts of Ashland.

    Hill�s vision of her senior community was now in place. It would — in keeping with her philosophy of maximum freedom and choice for seniors — be a community with no big buy-in fee, where you own a condo or single-family home and keep all your equity, to pass on to your children.

    Okay. You will feel satisfied to examine the following paragraphs. Your unusual interest would get a surprise in the paragraphs that follow.

    It would be a community of active, mentally alive older people who didn�t care for rocking chairs. As it turned out, 80 percent have college degrees. It would be �aging in place,� meaning if you became more feeble, you would move into assisted living, but still staying in the same community, near your spouse and friends.

    All homes would be single-level, step-free, fall-resistant dwellings and if they were on a second story it would be accessed by elevator. Homes would be senior-friendly throughout � plugins elevated, bathrooms with turnaround space, dishwasher up high, faucets with big handles, lots of windows and lights so you have no dark corners.

    Completely admissible! Now that you have read till this point, we hope that along with this you will have something extraordinary. Continue reading, you’ll acquire some other knowledge.

    It would have a central clubhouse and dining hall, where you go (or have meals delivered to you) as you please, paying only for what you use. No three-meals-a-day, one-size-fits-all institutional drill.

    Politically, the community would be a liberated zone � Hill would buy and sell the homes and condos, but Mountain Meadows would be governed by elected members of the homeowners association.

    Now, all Hill needed was money. She sold a historic home she�d bought the year before, making $50,000 and using the little known (�People hate reading federal tax regulations, but I was a bureaucrat and was used to it.�) tax-deferred exchange, which basically lets you skip the income tax on the earnings all your life.

    The bare land was $125,000. She�d been reading a book called �How to Develop Property With No Money� and gleaned the notion of offering the $50,000 down and the rest in six years. If she defaulted, the seller could keep the 50k.

    �My realtor laughed and said I was nuts. No one would accept an offer like that. I went to the seller with my resume and references and told her my vision. She said yes. We were off. It was a huge step. I was absolutely terrified.�

    Hill, by then a licensed realtor, knew real estate and she knew city politics. But she didn�t know land development or building. She needed a partner. She took on Larry Medinger, a former city planning commission member who�d built several successful subdivisions. The partnership, a 50-50 deal, worked and Medinger drew architectural style from Craftsman homes � a tradition comforting to seniors — in his hometown in Nebraska.

    Money came from local friends who wanted to invest in something positive and nearby, Hill said, and from her savings and income selling real estate (and her husband�s job). A local bank provided the first construction loan for single-family homes, with all proceeds rolled back into the next homes, as well as development of common spaces � walks, parks, ponds, garden � and, eventually the large clubhouse and spa.

    �There was nothing like Mountain Meadows in Oregon,� she said. �We had to look outside for expertise about how to do this. We went to the National Council on Senior Housing Convention and spent the day with architects brainstorming about how to lay out the community.

    �We chose the architect with the best ideas and site design (Mithune Partners, Seattle). We went on to assemble a great team — the best lawyers, accountants, surveyors, engineers and landscape architects. We wanted quality in everything and it came back to us tenfold.�

    The community has picked up a slew of awards, including Best Small Active Adult Retirement Community in America (from the National Council on Seniors� Housing), 100 Best Master-Planned Communities (from Where to Retire Magazine), Best Senior Housing Gold Nugget Grand Award (from Pacific Coast Builders Conference) and Community Development Award (from Jackson County Citizens League).

    The community � 65 free-standing homes and 160 condos, all housing 225 people � has one more building to go, probably rental apartments for seniors who don�t want the hassle of owning property or are checking out the town for possible later purchase.

    Turning the place over to the residents? �It seemed like the right thing to do,� said Hill. �It has lowered the monthly fees (maintenance, meals, fitness center, etc.) by $150 and it�s created a self-sustaining community. They adjust fees to meet their needs, not mine. And they make their own decisions without some corporation dictating to them.�

    Now Madeline, a resident of Mountain Meadows, just makes her living selling the remaining condos. She won�t realize her profit until the last few are sold.

    �I thought is would be kind of small when we started but it ended up costing much more, taking much longer and being much bigger than I ever dreamed. If I had it to do over again I�d get partners with money. We�ve had to spend so much on financing, the profit could turn out to be small. But the values � that was the primary thing to me, and we�ve been able to stick by the values.�

    About the Author

    Freelance writer living in Ashland Ore.

    The concluding word of this study, would let you appreciate the crux of it. Let me articulate that those who do skim till the conclusion are the ones who really benefit from the report.

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    Monday, July 10th, 2006

    Juggling The Day With A Deal

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