Jeff Joyner and Larry “Chip” Williams have combined forces to become the best Real Estate team in Pinellas County, Florida. The new team name is Joyner-Williams Collection, Purveyors of fine homes for fine people with a new website located at www.joynerwilliams.com. Jeff and Chip are both natives of St Petersburg, Florida and can answer many of your questions about the “Sunshine City”, the Great Tampa Bay surrounding area and everything related to Real Estate.

Jeff is a 4th generation Realtor with his family roots dating back to 1928 in St Petersburg. He has the drive and dedication that gives him a competitive edge in the real estate business. His success thus far can be attributed to his honesty, communication skills and proficient negotiation techniques. Jeff takes great pride in finding his clients their dream home or getting the most value for the sale of their home.

Chip is a real estate professional with specialized expertise in the Pinellas county market. A lifetime resident of St Petersburg, he has a strong working knowledge of all the bay area has to offer. Since graduating from Eckerd College, his career has been dedicated to real estate finance, sale and/or purchase. Chip’s highly professional service has turned my business into over 65-70% referral based.

The Joyner-Williams Collection portfolio consists of Single-Family Homes, Condos and Land with $10,600,500 worth of listings. Since combining forces on September 1st, the Joyner-Williams Collections has listed $6,000,000 worth of properties and sold $1,595,000.

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The loss mitigation options H.R.P., LLC will discuss with you include: loan modifications; VA loan modifications; short payoff (short sale); deed in lieu of foreclosure, repayment plans, partial claims for FHA mortgages and special forbearance agreements. The H.R.P., LLC team will work in conjunction with you and your lender to come up with a plan of action that works for both sides. The best part is you may be able to work out an agreement with your lender that will allow you and your family to stay in your home. The H.R.P., LLC office is run and operated by Dr. Michael W. Cantrell, Sr. creator of the Federal Housing Recovery Plan. Dr. Cantrell has a 95% success rate negotiating with lenders.

Are you behind in your mortgage payments; by how many months? One, three, six or more? Have you been presented with a Forbearance Agreement that just doesn’t feel right? Or is your bank threatening foreclosure? There is help. Visit the closest H. R. P. office for your FREE consultation.

Foreclosure may not be the answer. You shouldn’t have to just give up the fight for your home that you worked so hard to purchase and hold on to. There is another option that your bank may not be forthcoming in talking to you about. It’s called Loss Mitigation. The Housing Rescue Plan, LLC specializes in loss mitigation services.

Housing Rescue Plan, LLC offers several loss mitigation options for homeowners facing financial hardships such as unemployment, separation or divorce, medical bills, reduced income, job relocation or others. The loss mitigation options H.R.P., LLC will discuss with you include: loan modifications; VA loan modifications; short payoff (short sale); deed in lieu of foreclosure, repayment plans, partial claims for FHA mortgages and special forbearance agreements. The H.R.P., LLC team will work in conjunction with you and your lender to come up with a plan of action that works for both sides. The best part is you may be able to work out an agreement with your lender that will allow you and your family to stay in your home. The H.R.P., LLC office is run and operated by Dr. Michael W. Cantrell, Sr. creator of the Federal Housing Recovery Plan. Dr. Cantrell has a 95% success rate negotiating with lenders.

Dr. Cantrell has over 19 years of mortgage experience in various roles. He, together with his team of trained counselors are available now to talk to you about your current housing situation. Your initial consultation is free. Visit www.housingrescueplan.com for more information and an online application to get started today. Housing Rescue Plan, LLC is working with homeowners, keeping the American dream alive. We currently help people in trouble in all 50 states.

Dr. Michael W. Cantrell, Sr. can be reached on
michael@housingrescueplan.com
(888) 880-9997 ext. 5921

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Over 60% of those families don’t know about services and options that mortgage lenders offer to help avoid foreclosure.

Most homeowners try and get refinancing for their home loan if they fear foreclosure. Others try to negotiate a “short sale” or just accept the foreclosure and walk away. Many homeowners have never heard of loan modification, a legal process that a homeowner can use to renegotiate loan terms with the current lender to reflect current financial circumstances.

“The people I’ve worked with in the past either don’t know what loan modification is, or they believe loan modification requires a high-priced specialist,” said Troy Fullwood, creator of the Loan Modification Toolbox. “Most homeowners could do it themselves if they just get access to the information,” he added.

Most or all of the fees associated with loan modification can be rolled up into the new balance according to HUD guidelines. Because loan modification doesn’t usually require upfront fees, it’s a viable option for cash strapped families.

Considering that a home is the largest investment most people will ever make, the opportunity to save that investment offers a lifeline to many affected by recent market trends.

The Loan Modification Toolbox was created by Troy Fullwood to offer a loan modification roadmap and information at a fraction of a specialist’s cost. The Loan Modification Toolbox, offers step by step plans, necessary forms and lender negotiation requirements to homeowners trying to stop foreclosure.

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According to the latest Lloyds TSB Personal Loans survey, more than one third (34 per cent) of UK estate agents claim ‘going green’ with environmentally friendly home improvements could help homes sell faster during the economic downturn.

Lloyds TSB Personal Loans surveyed 500 UK estate agents and over 1000 home owners to understand how would-be sellers are responding to the cooling housing market*.

The findings reveal that 34 per cent of estate agents believe environmentally friendly home improvements, such as insulation and solar panels, would improve chances of a sale during a slower climate. One in ten estate agents questioned by the bank said they had seen an increase in potential buyers enquiring about the environmental credentials of a property.

More than one in ten homeowners looking to sell their property has made environmentally friendly improvements to their homes in recent months. Both would-be sellers and estate agents agree that the most valuable environmentally friendly improvements are loft insulation (56 per cent), and/or installing an energy efficient boiler (73 per cent).

TV presenter and property finder, Phil Spencer, commented on the research: “With the property market slowing down in recent months, would-be sellers are looking for a point-of-difference. Environmentally friendly improvements provide something extra when it comes to selling but also means families are likely to save money through energy efficiency. Times have changed, the market’s not going to help you – you’re going to have to do it yourself.”

Other environmentally friendly improvements that proved popular with estate agents and homeowners include:
- Cavity wall insulation
- Draft proofing
- Solar panels
- Double flush toilets
- Redecorating using ecologically-friendly materials (e.g. paints, woods etc)
- Wind turbines

To help homeowners add value to their home Lloyds TSB personal loans has teamed up with Phil Spencer to create the Move or Improve Guide, offering practical advice and insider tips on the do’s and don’ts of home improvement. An audio home improvement podcast is available to download free of charge.

* 1081 homeowners surveyed by Tickbox.net in June 2008. 500 UK estate agents surveyed by The Survey Shop in June 2008.

About Lloyds TSB:
Lloyds TSB offers customers a wide range of current accounts, savings accounts, insurance, personal loans and credit cards, designed to meet different customers’ needs.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority and signatories to the Banking Codes.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN .
Registered in England and Wales no. 2065.

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Forcing Portugal off the top spot this month was the United Arab Emirates, which nabbed the top spot in TheMoveChannel’s investment property watch for October. However, Portugal did fight back to some extent, grabbing both second and third places…

UAE properties climbed from fourth place last month to take the gold in our investment property watch chart. Don’t assume it was Dubai. It was in fact Ajman, the smallest of the seven emirates.

Close to Dubai for job possibilities yet far enough away for peace and quiet, property in Ajman is becoming increasingly sought after by locals and foreign investors.

Prices in Ajman have not gone though the roof like those in neighbouring Dubai, so property in the emirate is still relatively affordable. Plans are in the pipeline for a new international airport which will make access easier and push prices higher.

Dan Johnson, Director of TheMoveChannel, said, “Ajman is the smallest emirate by size, but it certainly has big aspirations and was the first to offer investors of any nationality full and transparent freehold property ownership.

“Close to the Dubai airport and well connected via the Emirates road (traffic permitting), it has a wonderful old 16th century fort in the central square which is a must see, as well as an old Iranian souk, giving the city an authentic flavor,” added Mr Johnson.

The Algarve has long been a tourist hotspot, with more than five million visitors from across the globe making the pilgrimage to the sun, sand and sea each year.

Expats and investors from the UK are continuing to snap up property in Portugal, especially along coastline, despite being more expensive than some European destinations.

The Algarve’s popularity with holidaymakers means that foreign property owners have also been able to make money by letting their residence out to visitors. The Silver Coast has also become popular in recent years.

At number four on our investment property watch chart was property in Ajman Costa Rica, which is fast becoming the next property hot spot with international property investors eagerly anticipating a big boom in the country.

Costa Rica’s popularity has been growing for numerous reasons. With the slow down in the US economy, many US investors are looking abroad for safer markets with bigger potential profits.

The climate and beautiful natural scenery which includes everything from rainforests to volcanoes to beaches ensures that tourism in Costa Rica looks set to remain a prosperous industry for the foreseeable future which drives up demand for property.

Costa Rica is considered by many to be the strongest democracy in Central America with an independent judiciary ensuring the rights of investors. Unlike many other countries, Costa Rica also allows 100 per cent foreign ownership making it easy for US citizens buying investment property in Costa Rica.

Old favourite Italy made two appearances on the top ten table, at fifth and ninth place. An Italian property in the southern Italian village of Irsina took fifth place, proving that the interest in the south of the country is still growing.

Traditionally, the north of Italy has been the most popular, and the less fashionable southern regions were overlooked. But now, savvy investors seeking a cheaper property are increasingly turning their attentions to the south.

TheMoveChannel.com is a property website that was founded in 1999 as an online resource for buying, selling and learning about property. It now receives as many as 300,000 visits per month and advertises over 50,000 properties in nearly 90 countries, which are listed by over 500 partner organisations.

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The media has covered a number of raffles over the past few months in which a house or property is given away to one lucky winning ticket holder. None of these can compete however with the latest property draw ‘San Blas’ (www.sanblasforsale.com) unveiled this week. The raffle will see San Blas, a magnificently fully restored old Spanish Cortijo set in the beautiful Andalucían countryside, and worth around a cool E1.5 Million be handed over to the prize winner holding the lucky ticket costing a mere 25 Euros. More unusual about this raffle is the fact that the lucky ticket holder will not only win a stunning 4 bedroom house but a complete self catering holiday complex too. The San Blas raffle is truly unrivalled by any other property draw and offers the winner a truly life changing prize.

It has been quite an emotional journey for English owners Wayne and Dave who have spent the past three years lovingly restoring the property to a quite remarkable standard. For family reasons however they have been forced to make the difficult decision to say goodbye to the home and business of their dreams and return to the UK. The recent credit crunch and property crisis have led the pair to do some lateral thinking and they have come up with an alternative and novel way of selling this outstanding property. To the fortunate winner Wayne and Dave leave behind all the fruits of their hard work: a beautifully restored house, along with seven classic white-washed self catering cottages and apartments, a swimming pool, and 15 acres of breathtaking countryside. Further information and pictures of the entire property can be viewed at www.sanblasforsale.com. There is also an additional online booking website for the self-catering business.

The raffle has been carefully drawn up with full legal advice and meets all legal requirements. Each ticket will cost 25 Euros and can be purchased easily online at the www.sanblasforsale.com website, and those purchasing 4 tickets will receive an additional ticket free. Those participating in the raffle can view online the number of tickets sold which is updated daily. Every ticket holder will be kept updated on the draw and informed within 48 hours of all tickets being sold. The grand draw itself will be overseen by a number of independent Spanish solicitors and this will also be filmed. The video of the draw will be made available for everyone to watch on the www.sanblasforsale.com website within 24 hours of the draw taking place.

Looking for Spanish real estate? Look no more because the lucky winner will receive the freehold and full & clear title deeds to the fabulous Cortijo San Blas which will include the 4 bedroom main house along with 7 self catering units comprising 12 bedrooms, 9 kitchens, 12 showers, 13 toilets, plus 15 acres and a great swimming pool – pretty spectacular for just a 25 Euro stake. The winner will also be handed over the deposits and all future bookings at the popular San Blas holiday property. With the self catering units being rented from 190 to 365 Euros per week each, this will provide the winner with a profitable start to their new life and business in the Spanish sunshine.

Also unique to this property raffle is the fact that tickets will retain their full face value as they can be exchanged at any time before the draw for accommodation at the complex. Indeed Wayne and Dave are keen to encourage as many people as possible to view the property whether passing through the area or staying to see for themselves what a fantastic home and ready-made holiday business awaits the lucky winner.

To purchase tickets or to find out more about the most exciting property raffle ever launched and the chance to enjoy a fantastic new life in the Spanish sun visit www.sanblasforsale.com - and remember, somebody has to win and it could very well be you!

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The unique spot the ball competition, which was launched today on www.winpropertyinfrance.com, enables people who have dreamed of owning a character property in sunny southern France to use their skills and judgment to make this dream come true by winning the competition for a £25 ticket purchase. The prize is an amazing 4 bedroom 19th century renovated manor house located in an authentic village very close to Montpellier.

This competition is the brainchild of the French couple owning this property who are keen to pass this century old house along to other passionate people. In order to provide participants with all possible guarantees for a legal, safe, secure and transparent competition and strictly abide by existing regulations, they have incorporated a UK limited company which will be the competition promoter: Win Property Online Ltd. Spot the ball competitions operated by UK Limited companies have been acknowledged as games of skills and thus authorized by the UK Gambling Commission.

The competition will close on 30 June 2009 or whenever before this date the maximum number of 20,000 competition entries has been reached. Should the required number of competition entries not be reached by the final closing date, the competition winner will be awarded the total money collected less a retainer fee to cover output VAT on ticket sales and technical and administrative expenses of £10,000.

The founders of the initiative commented: ”We believe we have developed a very unique concept, combining the thrill and legality of online spot the ball competitions with a fabulous prize: a character property in a dream location. We hope that the www.winpropertyinfrance.com proposition of winning such a prize for £25 will appeal to all those who have dreamed of owning an authentic property in sunny southern France.”

People eager to learn more about the property and competition rules or to join the competition by purchasing 1 to 4 tickets at £25 each (the 5th ticket is free!) should click on the www.winpropertyinfrance.com website.

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One of Austin’s premier builders, Lennar Homes and top real estate broker Kenn Renner of Keller Williams Realty, have developed a series of programs to help new homebuyers defer much of the cost associated with moving. The Move Assistance Programs (M.A.Ps) offers the following financial incentives to help a tenant or a move-up homebuyer with the expenses associated with relocating.

For Renters:

Lease Buy-Out Program – Provides assistance in paying off existing lease and/or covering the re-leasing fee.

Lease Negotiation Service – Provides expert negotiations with your current landlord.

For Move-up Homebuyers with a Home to Sell:

Expert Real Estate Counseling – Receive a free consultation with a 25-year real estate veteran.

Guaranteed Buy-out Program – A free evaluation and bottom-line price will be offered for your current home.

‘Sell Your Home for Free’ Program – A 0% net commission program that allows you to sell your home for zero total real estate commission.

Moving Cost Coverage Program – Helps defer the cost of moving expenses such as moving companies and moving trucks.

Temporary Rental Program – Provides assistance in locating temporary housing, furnished or unfurnished.

In a recent meeting, Lennar’s division president, Sean Chandler, stated, “There is no better time in recent history to purchase a new Lennar home. Austin is where everyone wants to be and Lennar is dedicated to helping homebuyers with the transition through financial incentive programs such as M.A.Ps.” Along with first class service and attention to detail - Lennar Homes is famous for their “Everything’s Included” homes. “Everything’s Included” is unique to national builders where buyers do not have to pay huge markups for “upgrades.” “Most ‘upgrades’ charged by other builders are included standard with Lennar Homes. Along with ‘Everything’s Included,’ Lennar is offering large price and financing incentives, especially on standing inventory,” Chandler adds.

Kenn Renner, a top selling central Texas real estate broker with Keller Williams Realty, and owner of www.BuyAustin.com explains, “In challenging economic times the larger more financially stable builders like Lennar are able to offer programs that the smaller builders just can’t afford to do. That is why they have called on us to develop the Move Assistance Programs (M.A.Ps).” Lennar is without a doubt pro-Realtor because they understand the need for professional counseling and guidance throughout the home-buying process. Renner adds, “Lennar understands the need for renters and move-up home buyers to have innovative alternatives such as lease buy-outs and sales cost (commission) coverage. I am pleased to be one of Lennar’s preferred Realtors.”

Lennar Homes was ranked number two nationwide by Builder Magazine in 2007 with over 30,000 homes sold nationwide. In Austin, Lennar has 18 subdivisions with prices ranging from the $110s to the $480s.

Kenn Renner (www.BuyAustin.com) consistently ranks as one of the top ten real estate agents in the city of Austin and Central Texas with over 400 home sales and over $80,000,000 in closings since 2005.

For more information about the M.A.Ps programs visit www.MoveAssistancePrograms.com or call or text Kenn Renner at (512) 423-5626.

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Packaged Property Investments Ltd have had an excellent 2008 securing projects in Poland and the Czech Republic. Despite the difficulties in the financial markets, Director Matthew Banks believes the company is still set for strong growth in 2009. ‘We have broadened our geographical base of developments in Europe. We have moved into second and third tier cities in Poland whilst also entering the Silver Coast in Portugal.’

Despite the difficulty in obtaining finance in the current market he explains why sales for the company have increased for the final quarter of 2008. ‘We pick the right product, at the right price and in excellent locations. We have extremely close relationships with our banking partners and as we secure and sell our projects at excellent prices, our clients have had far fewer difficulties in securing finance than our competitors.’

When quizzed about the direction of the company in the next couple of years he added ‘I see this as an exciting time for the company. We prefer the market to be difficult as it always creates a number of joint venture opportunities in our target cities. I also welcome some realism from local land-owners. We really did forecast the market well and the entry to our current territories seems to have paid off. We have seen a massive increase in the rental market with values holding up extremely well. I can see some buying opportunities coming in the next few months and always look forward to building relationships with our partners worldwide.’

Packaged Property Investments Ltd is a UK based property investment company that is involved in a number of projects with property in Poland, Czech Republic and Portugal.

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The media has covered a number of raffles over the past few months in which a house or property is given away to one lucky winning ticket holder. None of these can compete however with the latest property draw ‘San Blas’ (www.sanblasforsale.com) unveiled this week. The raffle will see San Blas, a magnificently restored old Spanish Cortijo set in the beautiful Andalucían countryside, and worth around a cool 1.5 Million be handed over to the prize winner holding the lucky ticket costing a mere 25 Euros. More unusual about this raffle is the fact that the lucky ticket holder will not only win a stunning 4 bedroom house but a complete self catering holiday business too. The San Blas raffle is truly unrivalled by any other property draw and offers the winner a truly life changing prize.

It has been quite an emotional journey for English owners Wayne and Dave who have spent the past three years lovingly restoring the property to a quite remarkable standard. For family reasons however they have been forced to make the difficult decision to say goodbye to the home and business of their dreams and return to the UK. The recent credit crunch and property crisis have led the pair to do some lateral thinking and they have come up with an alternative and novel way of selling this outstanding property. To the fortunate winner Wayne and Dave leave behind all the fruits of their hard work: a beautifully restored house, along with seven classic white-washed self catering cottages and apartments, a swimming pool, and 15 acres of breathtaking countryside. Further information and pictures of the entire property can be viewed at www.sanblasforsale.com. There is also an additional online booking website for the self-catering business.

The raffle has been carefully drawn up with full legal advice and meets all legal requirements. Each ticket will cost 25 Euros and can be purchased easily online at the www.sanblasforsale.com website, and those purchasing 4 tickets will receive an additional ticket free. Those participating in the raffle can view online the number of tickets sold which is updated daily. Every ticket holder will be kept updated on the draw and informed within 48 hours of all tickets being sold. The grand draw itself will be overseen by a number of independent Spanish solicitors and this will also be filmed. The video of the draw will be made available for everyone to watch on the www.sanblasforsale.com website within 24 hours of the draw taking place.

The lucky winner will receive the freehold and full & clear title deeds to the fabulous Cortijo San Blas which will include the 4 bedroom main house along with 7 self catering units comprising 12 bedrooms, 9 kitchens, 12 showers, 13 toilets, plus 15 acres and a great swimming pool – pretty spectacular for just a 25 Euro stake. The winner will also be handed over the deposits and all future bookings at the popular San Blas holiday property. With the self catering units being rented from 190 to 365 Euros per week each, this will provide the winner with a profitable start to their new life and business in the Spanish sunshine.

Also unique to this property raffle is the fact that tickets will retain their full face value as they can be exchanged at any time before the draw for accommodation at the complex. Indeed Wayne and Dave are keen to encourage as many people as possible to view the property whether passing through the area or staying to see for themselves what a fantastic home and ready-made holiday business awaits the lucky winner.

To purchase tickets or to find out more about the most exciting property raffle ever launched and the chance to enjoy a fantastic new life in the Spanish sun visitwww.sanblasforsale.com - and remember, somebody has to win and it could very well be you!

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Select Property reports that their purchasers’ investments will be protected following the announcement from the UAE government that they will guarantee all National bank deposits and savings.

With daily reports of the credit crunch’s latest victims it is understandable why there is widespread panic across Global markets. Leading banks are turning to their governments to bail them out, the stock market has fallen the most it ever has and Iceland is on the verge of declaring National Bankruptcy, it would seem that no investment is safe.

Select property believes that the news that the United Arab Emirates (UAE) Government is guaranteeing all deposits and savings in all its National banks, is great news for those people who do have money to invest, This means that any money that is held in a UAE Bank, including Dubai and Ras Al Kahimah, will be protected by the UAE Government.

In the current global financial crisis finding an investment that is classed as ‘safe’ is hard to find, with many investor’s now ploughing money into property after losing faith in the banking system. Select Property has announced that it has taken steps to ensure that their investors’ money is as safe as possible, with any money paid to Select Property held in Escrow in a Dubai bank. This means that investments are fully protected and guaranteed by the UAE Government.

As well as protecting purchasers’ money, the Ras Al Khaimah and Dubai investment property markets are currently continuing to grow even in the present situation, so all investor’s money is not only seen as secure but is also expected to make a profit as well. Select Property believes that there has never been a better time to invest in the UAE.

Since its launch in March 2008 the Select Property and Select Group’s joint overseas property development, Pacific, in the emerging emirate Ras Al Kahimah has benefitted from a 10% increase on its property prices and is already over 70% sold out. If the growth continues to rise in this manner, investors are likely to see property price increases of 20% per year.

Select Property and Select Group are one of only a few developers in Ras Al Khaimah to offer a payment plan together with the security of Escrow.

About Select Property:
Operating since 2004 Select Property has become a leading specialist in off-plan overseas investment property. Following initial success marketing and selling luxury residential property, on an exclusive agreement basis, in March 2008 Select Property took the landmark decision to move into overseas property development launching Pacific the first of two residential projects located on Al Marjan Island, in the emerging emirate Ras Al Khaimah, United Arab Emirates. Pacific is a joint development with Select Group

The company currently has 90 employees operating out of offices in the UK and Dubai. By May 2008 Select Property had successfully sold over £550 million worth of property to customers in 53 countries including investment property in Dubai.

Select Property has enjoyed a successful relationship with Select Group Developments, working on four off-plan Dubai property developments, including the Marina’s Bay Central, the iconic super tower The Torch, The Point, and Botanica, the only residential development with a sky garden. Most recently the two companies have announced their collaboration on Pacific, Al Marjan Island and Ras Al Khaimah, the first project, which is being developed jointly by the two companies.

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Thinkproperty.com, a leading consumer property portal, has added real time property news to its website.

The new feature allows users to browse through the latest property news on selling, letting, buying and renting property, as well as information on estate agents, property prices and general market news. thinkproperty.com updates this news in real time via a bespoke news content feed on the site.

thinkproperty.com’s directory of locations has also been improved to include targeted news content, as well as local area information such as school performance results and sold prices. Users can continue to browse through locations using the existing sitemap, but can now also perform a property search from the directory itself.

Mark Goddard, Managing Director of thinkproperty.com comments: ”We are delighted with these exciting additions to thinkproperty.com. We know that research forms a large part of the home movers process when buying property, renting or selling property. Both of these changes will further enhance the user experience of the site, which remains at the heart of our development focus. “

thinkproperty.com holds over 600,000 properties from the UK and overseas, including 40,000 rental properties, and is currently working with over 6,000 estate agents who are uploading their stock to the site and benefit from an increasing number of leads originating from the property portal.

thinkproperty.com places Web 2.0 methodology at the heart of its functionality, with market-leading functionality including Google mapping, property ranking, RSS and Video Tours being core features.

About thinkproperty.com:
thinkproperty.com is wholly owned by GMG Property Services, a division within Guardian Media Group.

GMG Property Services Group also owns Vebra, the UK’s leading provider of software to independent estate agents, Core, CFP, The Media Design House and thinkproperty.com, the consumer-facing portal.

Guardian Media Group plc (’GMG’) is one of the UK’s leading multimedia companies. Its diverse portfolio includes the Guardian and Observer newspapers and the Guardian Unlimited network of websites, the Manchester Evening News, a number of other regional newspapers in the North West and South of England, the Channel M city TV station and the Manchester Online website.

GMG also owned 13 regional radio stations by the end of 2007 under the Real Radio, Smooth Radio, Century FM and Rock Radio brands. Trader Media Group, one of Europe’s largest specialist print and online media companies, and publisher of the Auto Trader magazine and website is jointly owned by GMG and Apax Partners, with GMG as the majority shareholder.

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Do you want to protect your financial security? Are you concerned that today’s economic conditions will impact you personally? Do you have a realistic back up plan? There is a way to insure your future – you can now start your own real estate company with just a small investment and can begin changing the way you look at life.

Wouldn’t it be great to have a monthly revenue stream that could replace your salary and that would give you the financial independence to no longer worry about whether or not your job will be there tomorrow?

US Probate Leads could well be the answer! They have just announced a program for people living virtually anywhere across the US that allows an individual to begin making money in real estate within 30 days of the day they begin. They provide complete training through a 3 day workshop. This training will teach you everything you need to know to be successful using their proven methodology. They offer workshops around the country and you can even participate in their program in the comfort of your own study!

You will own your own business – this is not a franchise opportunity. The US Probate Team can help you in everything you need in getting your new business started. They even have a program to assist those of you that have never owned your own business.

They will work with you to define your Corporate identity (name, logo, correspondence, marketing materials, etc), they will assist you in choosing the appropriate corporate organizational type and will assist you in the incorporation process, they will give you a list defining what tasks you should complete in the first 90 days of operation, they will help you prepare your business plan and will even provide your initial web site.

For those of you that are aware of this unique real estate niche, the probate market is huge. It is estimated that more than $100B of Real Estate is in probate across the US, at any one point in time. What really makes this market interesting is that the individual tasked with responsibility for settling the estate most often must sell property in the estate in order to pay the bills. This opens up an opportunity for the well trained investor to step in and provide assistance in making that sale.

An estate may consist of any of the properties accumulated by the deceased –
• Real estate is typically very high on this list – and can include residential property, commercial property, acreage, duplexes, condominiums, apartment buildings, strip malls, office buildings, ranchland, farms, etc.

• You will also find personal property such as that ‘65 Mustang parked out in the garage (long since forgotten), the baby grand piano in the living room, the ski boat, down at the lake house, and many other items that have residual value.

and,

• Don’t forget businesses owned and operated by the deceased – these may well be viable entities that the heirs simply do not wish to continue or the heirs may not have the knowledge necessary to keep operational.

The real key to the US Probate Leads program is something that very few other companies offer. Each and every month they will provide you, fresh, new, individual leads helping you build your own customer base. These leads are extracted from local probate courts and identify the specific individual with responsibility for settling a probate estate. Furthermore they only offer their data to a small handful of individuals in each county. You will be receiving fresh leads each and every month that only you and a very few peers will see.

Until today the only way an individual could get this information was to visit their county court house and retrieve the information each morning. Folks that have tried this approach soon found that they were spending all of their time retrieving information and little of it in talking with potential customers. As data specialists, the US Probate Leads team has devised a proprietary approach that allows them to retrieve data from virtually any probate court and make that information available to you.

You can get more information about this exciting opportunity by visiting their web site at www.usprobateleads.com or by contacting them at (877) 470-9751.

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On Saturday, October 25th national speaker and Austin real estate expert, Kenn Renner, will be presenting a free real estate finance and foreclosure seminar at the Brockton location of Amplify Credit Union (formerly IBM Credit Union). The seminar is part of Amplify University’s on-going educational series. The two part seminar will focus on the current status of the mortgage market and investing in foreclosures.

Kenn will discuss how the “credit crisis” has affected lending policies, interest rates and the availability of funds. He will separate fact from fiction and dispel many of the falsities that the national media has purported. The truth is that banks “are” lending and those that want to buy in today’s buyers market can get the financing they need – especially first time home buyers. Austin’s strong economy will be discussed and how it has been relatively sheltered from the housing crisis that has hammered other parts of the Nation. Part II of the seminar will focus on foreclosures, short sales, REO’s and HUD Repos. Strategies for capitalizing on some of the best real estate bargains in recent history will be covered in detail. Case studies and actual foreclosed properties that are available right now will be discussed. The seminar is free and Kenn will be giving away copies of Gary Keller’s (Keller William’s CEO) best selling books from his “millionaire” series. For first time home buyers Kenn will be providing free copies of “Your First Home – A Proven Guide to Home Ownership” ($20 Value). Previous seminars and presentations can be found at Kenn’s video site austinhomevideos.com and at Kenn Renner’s Youtube video channel.

Seminar information:

Where: Amplify Credit Union
2608 Brockton Drive
Austin, TX 78758
(Brockton @ Burnet)

When: Saturday, October 25th, 1 P.M.
Cost: Free

To register for the free seminar – visit http://www.buyaustin.com

About Kenn Renner:
Kenn Renner is a top selling Austin realtor and national speaker on the subject of real estate and real estate investing. He is a frequent guest expert on local and national investment radio shows. His twenty five year career has spanned three states including Alaska, California and Texas. In the past three years, Kenn has closed over $80,000,000 in home sales. He has been featured on several episodes of HGTV’s #1 rated show “House Hunters”. Kenn lives with his wife and two children near scenic Lake Travis just outside of Austin.

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Florida consumers can take advantage of a library of real estate and mortgage articles along with services to assist them with refinancing, loan modification, distressed properties, title services, document and loan processing and short sale information and negotiation.

Businesses in Florida can avail themselves to USSA1’s services that range from mortgage processing and compliance auditing to document management and title services.

With a staff of qualified and trained professionals USSA1 is dedicated to providing its clients with quality and professional services. Their experience and expertise has enabled them to negotiate the best options to help consumers resolve their financial needs and make intelligent decisions about investing in the Florida real estate market.

Their business to business services are backed by a solid foundation of maintaining equitable relationships with their partners and helping businesses to offer the best in mortgage and real estate services to the general public.

The website design is very user friendly and is set up to provide solutions for consumers and businesses. It is broken down into four areas: Why Use Us, What We Do, Free Access and Get in Touch. Why Use Us provides the latest information and professional services for consumers, lenders and brokers as well as Realtors.

“Clients will find a number of free member benefits from publication information, article searches, document locations and more in the Free Access pages of the website” said Regina Rivard the Operations manager.

USSA1’s What We Do pages showcases materials and information businesses need to help their clients handle all of their real estate and mortgage functions.

Members will be able to reach a USSA1 professional via email, phone, fax and live chat on their Get in Touch page.

Their website also has a blog that allows for clients to interact with professionals and stay up to date on the latest real estate and mortgage trends for the state of Florida.

The consumer services are designed for non-professional and do-it-yourself real estate investors, providing information about short sales, foreclosures, loan modifications, refinancing, title services and Realtors in cities throughout Florida while their business services seeks to help professionals provide their clients with better service as well as the latest changes in the mortgage and real estate industries.

With corporate offices located in Apollo Beach, Florida, USSA1 serves the entire state of Florida with the promise to increase client benefits and show value in all the services they offer. Their services, along with a dedicated staff, produce some of the best results in the real estate and mortgage industries throughout the state of Florida.

About USSA1

USSA1 is a Florida Company with more than 35 years of experience working with banks and mortgage companies. Our experience and expertise allows us to negotiate the best options to help resolve consumer’s financial needs.

Via EPR Network
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Select Property, the UK based property developer, has joined forces with the Duchess of York Sarah Ferguson and the Dubai based Select Group to unveil a charitable foundation called ”Sarah Selects”, set up to help disadvantaged children in the United Arab Emirates.

The new charity was unveiled at the launch of the new £1.1 billion luxury residential development “Aquitainia” from Select Property.

Sarah Ferguson kicked off the spectacular soiree by auctioning off a luxury one bedroom suite in the Madrid region of the Aquitainia development, which is on The World, Dubai. After frenzied bidding, the lucky bidder snagged himself an exclusive suite for £500,000. The money is to be held in an Escrow account until the Duchess makes her decision on which charities will benefit from the auction. Potential projects include the Make a Wish Foundation in the UAE, Support to Children with Diabetes and there are talks of supporting a school in a village in Northern Iraq.

The Duchess of York commented; “The plight of children is an issue close to my heart, and I intend to devote time to choosing the right causes within the UAE in which to donate the money. The Aquitainia launch party was the perfect opportunity to coincide the launch of Sarah Selects as the event was attended by some of the most influential people in the UAE.” She added, ”The UAE is the springboard for launching Sarah Selects globally, helping children’s causes all over the World by using Select Property and Select Group’s development locations as the foundations for growing the charity.”

Commenting on the launch of the charity, Mark Stott - CEO of Select Property - said;“Select Property and Select Group are incredibly pleased to launch Sarah Selects with the Duchess of York. The Duchess is extremely committed to helping children all over the World, which is an issue cause close to my heart”.

Following the auction, the guests were treated to a live performance from double Grammy award winner Kelly Rowland who gave a dazzling performance and had the guests dancing the night away.

About Select Property:
Operating since 2004 Select Property has become a leading specialist in off-plan overseas investment property. Following initial success marketing and selling luxury residential property, on an exclusive agreement basis, in March 2008 Select Property took the landmark decision to move into overseas property development launching Pacific the first of two residential projects located on Al Marjan Island, in the emerging emirate Ras Al Khaimah, United Arab Emirates. Pacific is a joint development with Select Group

The company currently has 90 employees operating out of offices in the UK and Dubai. By May 2008 Select Property had successfully sold over £550 million worth of property to customers in 53 countries including investment property in Dubai

Select Property has enjoyed a successful relationship with Select Group Developments, working on four off-plan developments, including the Marina’s centrepiece Bay Central, the iconic super tower The Torch, The Point, and Botanica, the only residential development with a sky garden. Most recently the two companies have announced their collaboration on Pacific, Al Marjan Island and Ras Al Khaimah, the first project, which is being developed jointly by the two companies.

Via EPR Network
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On Monday, October 13th, HGTV’s number one rated show “House Hunters” will feature one of Austin, Texas’ top real estate agents, Kenn Renner, on the “hunt” for his own lake side dream home.

The nationwide cable House Hunters show airs at 10 P.M. Pacific and Eastern and 9 P.M. Central and will showcase estate-sized homes in the pristine Lake Travis area just west of Austin. Sarah Allison, one of the shows producers explained, “We love shooting in Austin – it is just very scenic and friendly as well as incredibly affordable. Our film crews just love Austin and having a show featuring one of Austin Top Realtors searching for his own home really makes for a good storyline.”

Kenn Renner (www.BuyAustin.com) is no stranger to national TV - in fact this will be the seventh time he will be on HGTV. “Filming this show was a lot of fun and I learned a lot about producing video. We actually got to do two shows with House Hunters and the other show will air in November. It was an incredible experience, especially the fact that we were able to include our family & friends. Even our golden retriever – “Angel” appeared in many of the scenes.”

In regards to the actual shooting of the show Kenn explains, “I was amazed at how thorough and lengthy the filming process was for HGTV. We filmed every single room and each scene was filmed at least two times. Filming just one home took an entire day! Our feet were very tired to say the least.”

The homes Kenn and his family toured were priced between $800,000 and $1,200,000.“The homes we toured were just amazing – most of the homes we looked at were over 5000 square feet,” he adds.

“I have spent my 25-year career as a real estate agent helping others find their dream home. It was extremely rewarding and a lot of fun to finally be the one hunting for a dream home and to have HGTV to share the experience with our family. We feel so blessed to be now living in the house of our dreams in Austin, Texas.”

About Real Estate Agent and Broker, Kenn Renner:
Kenn moved to Austin in 1993 after working in the real estate industry in both California and Alaska as an investor. He started investing in Austin after researching areas of the nation to invest in. During his first visit to Austin, Kenn purchased three investment homes and fell in love with the City. “Austin is so fresh, vibrant and electric. There is an atmosphere of opportunity and possibility for entrepreneurs and businesspeople tempered with a passion for recreation and relaxation. It is much more laid back than the rush- rush California lifestyle that I’d been accustomed to,” he adds.

In addition, Kenn Renner is an Austin Real Estate Agent and Broker with Keller Williams – Lake Travis and is a national seminar speaker on the subject of real estate and finance. He has closed over $80,000,000 in real estate transactions in the past three years making him one of the top real estate brokers in the region. His website:http://www.BuyAustin.com is content rich with video presentations and hi-tech real estate resources. He just finished developing his newest website –http://www.AustinHomeVideos.com which features Austin home videos, interviews and educational forums.

Via EPR Network
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Following the Government’s announcement of a scheme to help those most in need due to the housing market slump, financial solutions company Think Money commented that while the scheme will benefit the housing market in the short term, it fails to address the underlying causes of the credit crunch.

Some of the measures aimed at helping the housing market include:

· A £300m shared equity scheme offering 10,000 first-time buyers currently frozen out of the mortgage market a chance to get onto the property ladder

· A £200m mortgage rescue scheme aimed at supporting 6,000 of the most vulnerable homeowners who are facing repossession

· A £400m boost in spending for social housing providers, in order to deliver 5,500 more social houses over the next 18 months

· Working with Regional Development Agencies to support the most critical regeneration schemes with the most potential to transform communities

But Melanie Taylor, Head of Corporate Relations at Think Money, said that the new measures do not adequately address the underlying causes of the credit crunch – and this extends to the whole loan market.

“In many respects, it’s more of a short-term cure than a long-term prevention,” she said,“and this means that once the scheme is finished, many homeowners could find themselves in exactly the same position they were in before.

“It also begs the question: if the measures are set to help 6,000 vulnerable homeowners and 10,000 first-time buyers, what happens to the many others who don’t get help from the scheme?” she continued.

Taylor added that the measures also miss out a very large part of the problem facing lenders and consumers alike: a lack of available funds for credit, including loans and other forms of credit.

“A lot of economists argue that a better solution would include measures to help the whole credit market, not just mortgages,” she said. “Mortgages are a very important part of the loans market, but the market for other forms of credit, such as secured loans, is also in need of some help.

“The main issue is the liquidity crisis – banks and other financial institutions are unwilling or unable to lend to each other, and that means the funds for loans and mortgages simply aren’t there in many cases.

“The Bank of England’s Special Liquidity Scheme has done most towards relieving the pressure on lenders – and as Mervyn King said last week, the Bank of England alone cannot prop up the housing market. Unless more money is pumped into the financial markets, we may have to simply wait and let the economy take its course.”

But Taylor was keen to emphasise that although the market is struggling, it is still possible to obtain a loan. “As long as your credit history is good and you are in employment, it’s still very possible,” she said. “But it’s important not to make too many applications – if you apply with several lenders and are rejected, your credit history will look worse for it, even once the loans market recovers.”

Via EPR Network
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