January 31st, 2010
Putney is a village and a parish forming part of the Manor of Wimbledon. It lies between the parishes of Wandsworth and Barnes and is bounded on the North by the Thames. It is part of the hundred of Brixton, which comes in the county of Surrey. The earliest mention of Putney can be seen in the Doom Book, wherein one can find the mention of Putenlie.
Earl Harold had this fishery in Mortelage (Mortlake) in the time of King Edward, and Archbishop Stigland looked after the same; however, it is said that Harold set it up by force during King Edwards reign in the land of Chingestune (Kingston), and in the land of Saint Paul’s.
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The Fishery
Being on the Thames Putney has always seen a good connection with trades that are linked with this river had a strong relation with businesses associated with the river.As per an ancient custom of the Manor of Wimbledon, In the early 1660s a fishery decided the best catch for March, April, & May, but this soon turned into money payment.
According to Guthrie fishery, here, went on until late 1780s, when, and then it is said to have lost its place. Though Lyson we know that although no “fishery” could be seen in Putney after 1786, the region continued to see fishing well into the beginning of the 19th century. Now fishing in this region is restricted to the adventurous fishers
The Putney Ferryboat
The Putney Ferry has a history going back to the 11th century and possibly even earlier. In the household accounts of Edward I (1272-1307) the ferry finds a mention in a couple of instances.
The first is wherein Robert the Ferryman of Putney and other sailors were paid 3/6d in order to carry much of the royal family across the Thames and also taking the king and his relatives to Westminster.
Two ferry services ran from Putney, the “long ferry” from Putney to London or Westminster and the “short ferry” from Putney to Fulham. The former was essentially used by foot passengers to avoid the poor roads. Horses could, no doubt, be acquired through the various inns in Putney in the vicinity of, nearby the ferry.
Information provided by rent a car story written by Alex Wilson
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January 4th, 2010
Maintaining the roof of your home is the first and maybe most important step to protecting for the long-term life of any home. Roof leaks are clearly a large problem in any house but knowing the connection between melting snow and roof leaks can help a homeowner prevent one of the most important problems that many homes face. When snow melts and trickles down the roof it can often refreeze as it reaches the edge of the roof and into gutter. You’ve probably stood back and look with astonishment at these ice dams that form, but these can unknowingly cause havoc on the integrity of your roof. However, they are relatively easy to prevent and doing so will without a doubt save you money and agony in the future.
How ice dams form.
The heat from your house melts the snow on the top of your roof because this is the warmest spot of your roof. As the melted snow flows down the roof below the snow it then reaches the roofs edge, which is next to sub zero temperature; this plunge in temperature causes the water or snowmelt to refreeze generating the dams that you often see hanging off of people’s homes in winter. The weight of these dams can cause a dilemma itself, however, the real problem occurs when additional melting snow collects in pools beside the dams. This water eventually leaks through the roof and into the residence. Understanding this correlation better melting snow and roof leaks can be the first step to preventing it.
Protection for the fragile parts of your roof.
In some cases you can use a rubber covering that is attached directly to the roof and the shingles are then added on top. The covering is really self-healing so the rubber will seal around the nail holes created when attaching the shingles. This means that the weak areas of your roof will be guarded in the event of ice dams forms. This can be an effective way to control melting snow and roof leaks in older roofs that are not being replaced.
For more information click here.
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August 3rd, 2009
Forsyth’s Finance Director David Harrop recently made official that Forsyth Business Centres are entering into partnership with Moorgarth Properties Ltd. for launch of a new business opportunity for occupants of Harrogate office spaces. Harrop also clarified that Moorgarth Properties Ltd. who owns the building has targeted on providing substitute serviced office spaces on short term basis, which would ensure enhanced economic gains from the existing structure. The two companies are also looking forward to future projects in areas like Yorkshire.
Forsyth is a part of Scarborough Group International Ltd and has entered into a five year management contract with Moorgarth Properties Limited. The building has been named Forsyth@Southfield. The huge project of refurbishment of 9,000 sq ft of Harrogate office space would entail massive effort. The refurbishing has been already completed for four floors, which overlooks the Stray. Forsyth@Southfield is Forsyth’s maiden project in this area and is focussed on providing shared office space at more flexible terms and less stringent short lease terms.
Harrop further pointed out that in a survey throughout the UK, it was found out that there were many landlords across the country with buildings in the best possible locations, but are in need of more flexible terms of service for better utilization of their properties. He also said that Forsyth has resolved this issue by providing the buildings as serviced offices, which is appropriate according to the new demands. It would also allow the office building owner to earn extra income, even outside the leasing structure system.
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March 28th, 2009
One of the communities located on Johns Island is becoming quite well known among discerning home owners. This is the Kiawah River Estates, an exclusive development of only 365 home sites. This exceptional community is set in the gorgeous unspoiled countryside where you can live a typically South Carolinian outdoor lifestyle.
All the homes in the Kiawah River Estates have been individually designed to create a uniquely diverse community. You never see rows of identical houses here. There is only one section of the Estates that has been set up in a specific style. This is Johns Town, where all the homes are built in the charming, old-world Charleston manner.
Nestled in the wonderfully pristine natural environment of Johns Island, the Kiawah River Estates is a calm and relaxing place to call your home. You can enjoy all the comforts of a modern, suburban housing development while living surrounded by lovely farmland. There are parks, beaches and waterways near to hand, so you can enjoy outside activities no matter what season it is.
Like many Charleston area housing communities, the Kiawah River Estates is a golfers dream. Oak Point, which is among the top golf courses in America, is part of the Estates. A popular destination for golfers from all over the world, it is well liked by locals too. Anyone who lives at the Kiawah River Estates can also enjoy Oak Points impressive clubhouse as well as its swimming pool and tennis courts.
Find out how you too can enjoy the peaceful life at the Kiawah River Estates, just 30 minutes from bustling downtown Charleston.
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December 28th, 2008
A relatively new concept in the online world is “Virtual Real Estate Investing“. What is meant by “Virtual Real Estate Investing” ranges from online games like SecondLife (where real profit can be made) to the use of internet technologies to make normal real estate investors more profitable.
In order to figure out the truth of the matter, I sought out Bryan Ellis, whose experience in the fledgling industry is truly impressive.
When I began using the term virtual real estate investing in the late 1990s, I did so because I saw clear parallels between the strategies used for profiting from physical real estate and those that would create income in the online world, said Ellis.
One example of the parallels between virtual and physical real estate Bryan Ellis cites is the similarity between the monetization of domain names versus physical property. He points out that control of a domain name or even a specific web page is much like controlling a real estate property ” those assets can be monetized in similar ways: By selling them for a profit, by leasing them, by offering advertising, etc.
The parallels really are obvious. Consider this: If you own a piece of real estate in a desirable neighborhood, your real estate has value because other people are interested in that location. Similarly, ownership of a desirable domain name is valuable for the same reasons. Regardless of the type of asset, you can sell or lease or use any number of strategies to turn the assets into cash.
In our next installment of this series on virtual real estate investing, Bryan Ellis will share the internet analogies to the physical concept of real estate development.
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June 1st, 2008
As loan officers, the word “lead” is by far one of the most common words we use during the day, it is the topic of many of our conversations, it is praised and cursed, it is good and it is bad, it is loved and it is hated, on bad days it is hard to find, and on good days it falls right into our lap.
The lead is a specter that haunts us constantly, we can’t get enough of them, no mater how many or how little we have, we are constantly searching for more.
In a perfect world, a lead would be waiting for us every morning on our desk placed there by the lead fairy, along with a complimentary cup of coffee and a morning paper. With a waive of her magic wand she would ensure that every lead would turn into a deal and we would end up with a 100% closure ratio.
Unfortunately this is not the case.
As a loan officer starting out in this industry, I came to work on my first day and expected the leads to just come out of no where, as you can expect, nothing happened. On the second day, I came to work, and again I expected the leads to just start coming out of no where. As you can imagine, nothing happened.
On the third day, I decided to make a move. I began the process of throwing myself into the world of networking. Although the concept was quite simple, I knew that reaping the rewards would prove to be a much more difficult task.
Lets face it, we can never have enough leads, we want to ensure that our pipe line is healthy at all times, with at least one closing per week.
One of the first groups I became involved with was a networking group called “All Business” and that is exactly what it was, all business. This particular group consisted of a President, a Vice President and a treasurer, along with a few other officers whose meaningless titles I cannot recall. The premise of this organization was to filter out any kind of conflict that could result from to many people belonging to the same industry, therefore only one person from a certain industry was permitted to join. As luck would have it, “All Business” did not have a representative from the mortgage industry, and after a two week screening process I was voted into the group.
The officers style of running this organization was militant, but effective. All members had to adhere to strict guidelines. For instance every Wednesday we met at a local diner at 7:00 am sharp, and upon arrival you could only speak of business and nothing else, and if you were a minute late you were fined five dollars. If you failed to show up with out a lead from the previous week, you were fined two dollars, and if you missed two consecutive meetings you were dismissed from the group.
Every Wednesday I was permitted to give a two minute speech before the group and familiarize them with the products I had to offer so they could then sell it for me, and once a month I was given the floor for twelve minutes to really wow them with what I could offer.
I loved to see their eyes pop when I spoke of cofi’s, cozi’s, and interest only loans, products they did not know existed.
Of course this organization came with a price, the annual fee was $500.00 paid in installments quarterly, but none the less, it paid for itself many times over by the leads I received from this group, which was basically a twenty five person sales force I had working for me.
Over all this was time and money well spent.
My next step was to join my local Chamber of Commerce. We met every Tuesday afternoon for lunch at a popular local restaurant where a room was rented to accommodate us and serve iced tea and rubber chicken. The chamber was very large and consisted of many members, more than two hundred. It quickly dawned on me that this was an organization where I was going to really have to bust my but to get results, the chamber was loaded with competition, there were many bankers and mortgage brokers I was going to have to compete with, so I was going to have to be better than the rest, especially when I didn’t have the luxury of a company picking up my tab of $300.00 per year and the $15.00 I spent on lunch weekly, to me this was more than just time out of the office.
In time my persistence began to payoff, and the referrals and leads began to come.
One thing I learned very quickly, was that the best way to receive a referral was to give one. Nothing is for free!
Over time my exposure through these organizations provided me with many very useful contacts in the banking and real estate industries. These contacts along with the referrals I was receiving from my family and friends, and also, referrals from former customers, my book of business began to grow at a very nice pace, and business was good.
One of the last things I decided to try was investing a couple of hundred bucks in a mortgage lead company. I didn’t save them for last because I didn’t have any faith in them, I waited until I had closed a few deals so that I could allocate some money toward this venture.
By the time I was done investing in lead companies, and I had dealt with quite a few over the course of my loan officer career, I found that the experience was not as pleasant as the networking organizations I had joined, and a lot less rewarding.
I can’t say that they were all bad. A few were quite good. But the few that were good, were only good in the areas of customer service and liberal return policies. However, the ones with the liberal return policies replaced my bad leads with other bad leads.
Part of this was my fault, I made the mistake of diving in without doing any kind of research before I made my purchase. The internet is filled with sites that I should have accessed to get on line reviews and surveys of just about every lead company out there, along with commentaries from loan officers who have used particular lead companies.
My quest for leads went from sitting around idle to something that rivaled the quest for the holy grail, and my quest continues to this day. This is not the end. It is just the beginning. By visiting my site at www.jconners.com, you can check out some of the lead company reviews we have posted, and get an idea of what to look for in a lead company.
Jay Conners has more than fifteen years of sales and marketing experience in the banking and mortgage industry, and is the owner of J. Conners, Mortgage leads reviews. He is also the owner of http://www.callprospect.com a mortgage lead company, specializing in fresh leads. Jay Conners can be contacted via e-mail at conn1229@yahoo.com
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May 12th, 2008
If you are thinking about buying a second home, you are not alone. A 1995 survey by the American Resort Development Association found that 60 percent of households surveyed feel they have a likely chance of purchasing a recreational property in the next ten years, a figure that rose 30% from the survey in 1990. The average age for the majority of vacation home buyers ranges from 40-50 years old. Qualifying as the baby boomer generation, this group of second home buyers consists of 80.5 million people out of the U.S. population of more than 260 million. Demand for vacation homes is rising as a result of consumers’ increasing desire to capitalize on low interest rates, low unemployment rates and a strong real estate market offering many viable second home options.
When purchasing a second home, many baby boomers seek properties that offer access to recreational areas as well as amenities ideal for retirement living. Finding a fully functional dual purpose second home requires meeting a number of physical and emotional characteristics. A trained real estate professional can help you identify your short and long term needs as well as a home that provides the qualities you require.
When choosing the ideal vacation/retirement community, look for services and features which reduce the stress of owning a second home. Furthermore, finding a home with one floor living or limited stairs will be preferable as you age and as your home evolves from a recreational home to a permanent residence. For example, free standing homes require a lot of upkeep, so properties that include gardening services or rubbish removal such as condominiums or gated communities with town houses are an option worth investigating.
Once you and your broker have identified a second home, the following are tips to protect your second home investment:
- Develop a trustworthy contact who lives near your new home, either a neighbor or a paid caretaker, to keep an eye on the property and collect mail that accumulates. Make sure this person has all of the necessary information to contact you.
- To make the home appear to be fully occupied, ask your caretaker to park occasionally in your driveway. Timers are good for keeping lights on, but their schedule should be varied regularly.
- Set up an answering machine. Change the message occasionally and check the messages often.
- Make sure all doors and windows are locked and secure. Consider installing an alarm to protect your home when you are not there and to serve you when you live there in the future. A quality security system can be purchased through a reputable company.
- Remove all keys hidden around the property.
- Enjoy the time spent in your new second home, for vacation, recreation and ultimately for fulfilling retirement living.
I would be pleased to give you additional information about identifying both an area and home ideal for your fulfilling your second home needs.
About The Author
W. Troy Swezey is the author of “How to Prepare Yourself for Owning a Dual Purpose Second Home.” As a Realtor at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his web site to download his free e-book, “REAL ESTATE SECRETS EXPOSED.” http://www.TroyIsMyRealtor.com or TroyC21@usa.net
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April 27th, 2008
The LA Times ran a story on March 4th on the bust of the Shanghai, China, real estate market. In one of the world’s hottest housing markets, the last three years saw a doubling of prices. Things are now so bad now that thousands of real estate offices have closed, many homeowners have loan amounts that are greater than their properties resale value, recent buyers are fighting with developers to rescind their purchases, and banks are awaiting a wave of mortgage defaults.
Morgan Stanley’s chief Asia economist said “Shanghai’s housing slump is only going to worsen and imperil a significant part of the Chinese economy”. About the property now under construction, this same economist said “They’ll remain empty for years!”
The similarities to our hot US bubble markets, makes me believe this is preview of what we are already starting to experience (though at a much slower pace).
The first signs of trouble in our real estate markets were very subtle and only picked up, or acknowledged, by very few real estate professionals. Since mid 2005 the red flags have been quite obvious to even the layperson. Yet, the forever optimistic ‘it’s always a good time to buy’ industry line is embraced by the mass media (they certainly do not want to lose their immense source of real estate advertising revenue) and the naive general public.
In San Diego in particular and most other major metropolitan real estate markets, it’s quite acceptable to acknowledge and embrace the double digit real estate appreciation of the past. Yet, even the thought of depreciation of real estate is looked on with the same disbelief and distain as if a child molester moved in next door.
There is a proven saying in our stock market: “You can never go broke taking a profit.” In many US markets, seasoned investors can still turn a profit. However, if Shanghai’s real estate market is any indication of what awaits the hot US markets…..the window of opportunity is closing very fast!
Copyright 2006 Promotions Unlimited - websitetrafficbuilders.com. All rights reserved - Any additions/modifications/hyperlinks added to this article will be considered a copyright violation & subject to immediate legal action without further notice.
Bob Schwartz is a certified Residential Specialist w/ 27+ years experience. Bob runs 4 real estates sites including: A downtown San Diego real estate site: http://www.downtown-san-diego-real-estate.com. A costal San Diego real estate site: http://www.la-jolla-ca-del-mar-san-diego-real-estate-encinitas-california.us and free San Diego For Sale By Owner website at http://www.san-diego-for-sale-by-owner.com. These real estate website provide visitors the ability to search the entire San Diego MLS database for property that fits their exact requirements. Also, there are many useful, money-saving real estate articles for both buyers and sellers. Also, a number of the sites show recent closed sales prices for various areas of San Diego California.
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April 13th, 2008
Hurricane Katrina has taken it’s toll up in a 4 State region along the Gulf Coast. Many homeowners have been left at with huge repair and little or no insurance money to help with the fix-ups. A New Millennium Home might just be the solution for Future Katrina Like Disaster
Many People are stuck in the mentality that getting a 30 year fixed rate mortgage and then making extra payments to the bank to pay off the mortgage sooner is the best way. A Homeowner with a $200,000 would pay $1,135 a month. If they were to add $200 additional each month their payment would be $1,335 a Month. Lets say they pay on this mortgage for 10 years and a Hurricane Katrina Like Disaster hits and destroys their home and for whatever reason the Insurance covers little or none of the damage what do they have left Nothing and they still owe over $130,000 on the Home Loan.
A New Millennium Home Loan works on the principle of getting a loan with a low interest rate and investing the difference. A power option ARM is available on a $200,000 loan with a payment of $734 for the first 5 years.
If a Homeowner were to get a loan like this and invest the $600 a month savings at an 8 percent return he would have over $109,000 in the investment account at the 10 year mark. $109,000 that could be used to rebuild. If that same homeowner would continue to make this $600 a Month payment for 254 months (The Time it took the Previous homeowner to pay off their house) He would have over $395,000 in investments.
About the Author
Mike Makler Offers Financial Services (Mortgages,Life Insurance, Annuity) in Florissant Missouri which is in North St. Louis County Missouri Just Across the Bridge from St. Charles Missouri
Call Mike at 314 398-5547
Visit Mike’s Web Page:
http://ewguru.com/finance
For Missouri Specific Insurance and Loan Questions:
http://ewguru.com/Mo-Finance
Get Mike’s Newsletter Here
http://ewguru.com/fin-news
Copyright © 2005-2006 Mike Makler
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April 10th, 2008
College tuition is expensive. Though many save for the expense, few people have the ability to pay for an education in full. Those who are not eligible for financial aid, grants, or scholarships may have a difficult time coming up with the cash. Fortunately, there are other ways of paying for a college education, such as refinancing your home.
Refinancing vs. Student Loans
For some, student loans are the only option when money is needed for college. But, for those who own a home and have built up equity, other options are availablenamely refinancing. Refinancing your home to pay for college has its benefits over student loans; the main benefit is the interest. While student loans often come with low interest rates, the student loan interest eventually begins piling up. By the time you get your degree, diploma, or certificate, you will be paying back much more than you originally borrowed. By refinancing your home, you can keep interest costs at a minimum. You can also borrow all of the money you need at one time as opposed to taking out multiple student loans every year.
Is Refinancing Your Home Ever a Bad Idea?
Not necessarily. Refinancing your home can be very beneficial. A home is an investment. The equity that has been built up is your money and should be used for the things you want and need. College is a great example. However, if you feel that you will have trouble making your payments, you should not refinance. If you can’t keep up financially, you could be in danger of losing your home.
Finding a Lender
The lending market has become extremely competitive, which is great news for you if you are interested in refinancing your home. While looking for a lender, don’t be afraid to shop around. You should compare everything from lending fees and interest rates to loan terms and closing costs. Here is a list of recommended Home Refinance Lenders online. It’s important to use a reputable lender online to make sure your personal information is secure.
View our suggested lenders for a Cash Out Mortgage Refinance, or if you’re interested in a Real Estate Home Loan Refinance for money to pay for college tuition.
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