]]> straight both are forms of safety glass. People often assume that toughened glass is some form of extra strong glass however. ’shatter safely glass’ would be a better description of toughened glass as its difficult to break but not impossible. When it does break it will break into very small sections but will not pose the danger created by large glass shards formed when ordinary float glass breaks. Toughened glass is preferred for use in domestic replacement windows as laminated glass when hit with force will crack but is unlikely to smash. This makes it less desirable if you need to break the window to escape. If security is a major consideration the strength of laminated glass is an advantage. Laminated glass is also thicker - usually 6+ mm - and as such will offer better insulation. At Trustyle UK we belief we have the ideal balance between safety style and quality with the combination of Sculptured VEKA frames and Pilkington K glass with over 90 percent of our customers across the Midlands. Leicestershire. Nottingham and Milton Keynes rating our service as either very good or excellent as per the Consumer Protection Association.

Forex Groups - Tips on Trading

Related article:
http://trustyle-uk.co.uk/blog/replacement-windows-midlands-toughened-glass-or-laminated/ ]]> ]]> second double-double in as many games for Alabama leading the Crimson Tide (2-0. 0-0) over the Mercer Bears (1-1. 0-0) Tuesday night at a sold-out University Center in Macon. Ga. Alabama led by as many as 14 points in the first half taking a 41-33 lead to the break behind Hendrix's 14 first-half points and 11 rebounds. Mercer cut the lead to two points in the second half at 57-55 but Tide sophomore Justin Tubbs hit a three-point shot to give Alabama a 60-55 lead with 11:52 to go. On Alabama's next possession. Hendrix was fouled on a made basket and hit the free throw completing the three-point play and extending the Alabama lead to eight. Alabama never trailed in the second half against the Bears."I'm proud of our guys," Alabama head coach Mark Gottfried said. "There were a lot of good things tonight. We learned a lot including how to play in a tough environment. Four or five days ago this team whipped Southern Cal so our guys had to step up and play." In addition to Hendrix's double-double. Alabama got 11 points from senior Mykal Riley and 16 from junior Alonzo Gee. Tubbs and sophomore Mikhail Torrance each had 9 points as well as freshman Senario Hillman."We played a good game and stepped up the intensity," Hendrix said. "Mercer has a good team. After getting a win on the road against USC we knew we'd have to play well. We did a great job sharing the roll with each other and finding the open man. When I'd kick it out on double and triple teams they'd knock it down."Alabama shot 49 percent in the game making 35 field goals on 26 assists. The Tide turned the ball over just 10 times in the bet with only two turnovers coming in the second half. Torrance and junior Brandon Hollinger each had six assists. "We cut our turnovers down from where they'd been," Gottfried said. "We guarded them pretty well and at key times in the game our guys executed. I thought Richard was a monster. He was great." Alabama returns to Tuscaloosa to host Belmont next Monday. Nov. 19 at 6 p m.

Forex Groups - Tips on Trading

Related article:
http://markgottfried.com/modules/news/article.php?storyid=125 ]]> ]]> many games for Alabama leading the Crimson Tide (2-0. 0-0) over the Mercer Bears (1-1. 0-0) Tuesday night at a sold-out University Center in Macon. Ga. Alabama led by as many as 14 points in the first half taking a 41-33 lead to the break behind Hendrix's 14 first-half points and 11 rebounds. Mercer cut the lead to two points in the back up half at 57-55 but Tide sophomore Justin Tubbs hit a three-point shot to give Alabama a 60-55 lead with 11:52 to go. On Alabama's next possession. Hendrix was fouled on a made basket and hit the free throw completing the three-point play and extending the Alabama lead to eight. Alabama never trailed in the second half against the Bears."I'm proud of our guys," Alabama head coach Mark Gottfried said. "There were a lot of good things tonight. We learned a lot including how to play in a tough environment. Four or five days ago this team whipped Southern Cal so our guys had to step up and play." In addition to Hendrix's double-double. Alabama got 11 points from senior Mykal Riley and 16 from junior Alonzo Gee. Tubbs and sophomore Mikhail Torrance each had 9 points as well as freshman Senario Hillman."We played a good game and stepped up the intensity," Hendrix said. "Mercer has a good team. After getting a win on the road against USC we knew we'd have to play well. We did a great job sharing the ball with each other and finding the open man. When I'd kick it out on double and triple teams they'd knock it down."Alabama shot 49 percent in the game making 35 field goals on 26 assists. The Tide turned the ball over just 10 times in the game with only two turnovers coming in the second half. Torrance and junior Brandon Hollinger each had six assists. "We cut our turnovers down from where they'd been," Gottfried said. "We guarded them pretty well and at key times in the game our guys executed. I thought Richard was a monster. He was great." Alabama returns to Tuscaloosa to host Belmont next Monday. Nov. 19 at 6 p m.

Forex Groups - Tips on Trading

Related article:
http://markgottfried.com/modules/news/article.php?storyid=125 ]]> ]]> care of all the regular offer logisitics (financing minutes bylaws inspection etc) so that you can go in with few or no subjects.  We offered 6% over list but came in second.   We’ll have to monitor what happens with the sale (and other comps) to see if we were smart to stand pat. (We went through this in North Van as some may recall and soon after the neighbouring property sold for almost exactly what we offered when we lost the multiple perhaps indicating that the buyer had overpaid somewhat). Anyway. Friday we had 170 new listings and 177 sales for a sell/list of 104.12%  Inventory was 10,957 and over 90’s were 2,569 or 23.45%. This market is like a marathoner that starts sprinting just when you think after running for days on straight it should displace dead. Or its like that guy that cracks open a new bottle of Smirnoff at 3am just when you think the celebrate is over. I used to be a real estate salesman and I can tell you late Nov. but especially the first 2 weeks in Dec is the best time of year to buy. Usually those with property up for sale so close to Christmas are desperate to sell. The closer to Christmas the exceed. It is a fact that many speculators realize now they made a big mistake by playing this market and be to get out. The champagne-popping days are over. Despite all the brouhaha about a hot RE market it is clear very little is moving (down 13% from same Q last year) prices are slipping and poised for a major correction or maybe an outright crash. It is quite normal for sellers to stubbornly adjoin to their high prices not wanting to budge but there is a way to make them face free market forces. Usually stink-bidding a property is hard for any individual to do on his own since going face to face with a seller who may be insulted is a situation you might not emotionally be able to handle. This is why you should employ an agent and let him do the work for you. Your agent is obligated to take ALL offers to the vendor. If your agent refuses to cooperate (and most will want to discourage you from this approach) you can remind him a complaint to the BC Real Estate Council might be in request. Be nice about it though and inform your agent it’s your money that’s on the line. And besides what’s so unusual of you being as stubborn (or bone-headed) about price as the seller? This approach is best for people who are just “sitting on the fence” not really needing to get into the market but at this point in the RE cycle it’s good strategy. As the Victorian-era poet Robert Browning said: “A man’s reach must exceed his grasp or what’s a heaven for?” Concerto “Year or so ago comment was “Yaletown Park and Spectrum are huge small box developments that will cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that happen ?”Actually I think it is happening a lot of those are listed for rent available immediately. I would imagine most purchasers decided that they would change at peak season (spring) rent until then. How being unable to rent for 4 to 6 months is going to affect their staying power should be interesting. I suspect we’ll see a flod of listings in February as they decide to try to have an early prime season suffering from 100% subsidy thru the winter season. What I see is exactly what I expected a dead winter season with all the new owners expecting to reap a 15% wind fall come spring! Therefore. (dog #1 through dog #7) should give Newsflash and Rob a call and beg them to find a good investment property before they become forever priced out of the merchandise. I would like to know… All I can think of is wet and soggy… leaky and those are old news… Please enlighten us all with your wisdom beyond your years…. BTW if your in your 20’s… you should sit down and comprehend to folks that know better Hi. I rarely post here but am always watching. I undergo a request. I am currently writing an essay on Powell River as a single industry town. I am focussing on its growth as a retirement community. I need figures for the average price of a single family home for each year for the last ten years. I have tried searching but nothing comes up. Could anyone help? Thanks “Year or so ago comment was “Yaletown lay and Spectrum are huge small box developments that will cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that happen ?” The Yaletown Park completions were a big topic of the past. The bears claimed this would be the turning point in the market. They were talking about in 2004 and 2005. After all these units completed (close to 800 plus 400 at Hudson) all the negative change flow investors would bail. Or if they tried to rent them out it would flood the rental market and create rents to drop. Either way the market was as good as done according to the bears and this would be the turning point. We heard similar things about Spectrum later on from others. So what happened? Yaletown Park was completed in Spring 2006. We saw very few units come up for sale (about 10%). The units that were for sale were snapped up right away. The units that were rented out were rented for record rents. All the populate who bought at the presales were change flow positive. And as we all know the merchandise continued it’s upward trend. Now we undergo Spectrum completing. Again rents have continued to rise and the Spectrum investors are again cash flow positive. Spectrum IMO is one of the beat DT locations stuck on an island between the viaducts and GM place on top of the only big box store in the core. Still they seem to be getting decent rents for the units. I guess the bears will have to pick a new big project or event to focus on as the “turning point”. Lets pick a new one just for fun now the whole credit crunch thing seems to have gone by the wayside. A quick check on Craigslist shows many Spectrum assignments for sale with 563′ one bedrooms for sale at $379,000. Craigslist also shows many of these same units offered for contract at $1,250 per month. Let’s assume a conservative investor with 25% down and a 25 year mortgage at 5.75%. Mortgage payments alone are $1,776 per month with little of that going to principal in the first couple of years. Add taxes and strata fees (we’ll forget maintenance seeing as its new) and you’re well over $2,200 per month. If you re-read what was said above it mentioned the populate that bought at Spectrum will be cash-flow positive not the ones that are buying now. That condo you listed at $379,000 was probably bought for $225,000 when 1st offered or there abouts at the current rent of $1250/month which seems low it is not cash-flow negative. With rents going up a conservative 3% a year within a couple of years that investment ordain be paying a healthy divendend. First will current selling prices at $379,000 an original purchase price of $225,000 would be 68.44% appreciation. Nothing’s impossible I suppose but this seems more than a bit of a stretch. Even if we assume a $225,000 purchase determine however the owe payment using the same parameters in my original post would be $1,054 per month. Add strata fees and taxes and you are still not cash flow positive at $1,250 per month in rent. The rent may seem low but that is what several investors are asking today; ergo its the current market. “Therefore. (dog #1 through dog #7) should give Newsflash and Rob a call and beg them to find a good investment property before they become forever priced out of the market” no need to be afraid of being priced out of the market because the RE chihuahua dogs are already well planned in the market; thank you for your concern by the way. How about you? still feeling lonely and sour of the market? Better to make that “spycho” counselling very soon!Just a prediction on Nov: The second best on Record! “How being unable to rent for 4 to 6 months is going to affect their staying power should be interesting.” Some people rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that will purport to rent furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t experience how successful they are. On that note there are lots of amateur landlords out there so don’t be surprised if they make all the usual (and unusual) mistakes that the pros know how to forbid. Even if the market stays strong there will be investors that will get burned. I think there will be more of these cases around in the next few years than before. I guessed at the $225K evaluate as I don’t know what the 1bds went for. I do know the 2brs at Specturm were offered at $299K hence the guess at $225 shouldn’t be too far off. Also the comment at onlt 15 lights being on for all the towers most of them haven’t been issued their occupancy permits yet. Again just playing devils advocate here. Jesse;”Some people rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that will purport to contract furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t experience how successful they are.” Most if not all of the ones I see at Spectrum are asking for a 1 year lease with an option for a 6 month contract. Owner know one month vacancy is 10% less rent for the year. Spectrum doesn’t appear to be in the furnished hotel room syndrome. However a great site to see those kind of rentals is which I have watched for the past three months. In that time out of 2000 listings for downtown they are now at 25% vacancy from no vacancy in August. Absolutely nothing has moved. There incredibly high rents appear to have to pay the entire go for the owner in the summer four months. If you work the math these are also losing for their investors. (Multiply the rent x 12 and 1/3 of that is the annual return)! As a side note Spectrum 3 and 4 are just starting move ins this week so look at the lights in December for a better idea. I’d probably look at Jan-Feb for the “lights on” test as one light lit is another extinguished — there is typically overlap especially with initial occupancy where the occupancy date can slip and one needs to keep renting until the move-in date is guaranteed. “flipper city! low end kitchens godawful hall carpets only 2 elevators per bldg.” Agreed I was thru 3 and 4 a while back on business. Basically low end spec quality lousy location. Try two treadmills for 900+ residents! Two elevators means one as with the number of suites one will all ways be tied up moving furniture. Hallway layout means if the act is on your floor you might not be able to get out. adjust price should be around $125,000.00 for a 1 bedroom which is what it will be in two years! British Columbia’s economy created over 55,800 new jobs in the past 12 months to October 2007. Of those. 48,600 or 87% were full-time. Sustained strong growth of employment has also contributed to a steady net influx of people from other provinces and from outside the country. At 4.4%. British Columbia’s unemployment rate is near the 20-year-low it reached in March 2007. Brian this is not news this is industry propaganda. Consider the website a construction company backed by RE industry quotes. “Finally despite the weakness in the U. S.. China’s insatiable appetite for British Columbia’s resources should mean that the province’s net exports will continue to contribute to growth in the future.” This is end rubbish. China does not have an ‘insatiable appetite’ for BC exports. Reed construction could not have possibly verified this. As I posted last week. BC only exports what was it. 4.5% to China. I think it was $1.5 billion. Further it mentions 13 000 jobs created in construction out of 55 000 jobs over the last year were in construction alone. If this is correct almost a quarter of all new jobs are in construction. Sounds desire California a couple of years ago. A lot of Canadian banks have taken some write-off with regards to their subprime exposure. But if you check their stock prices they are no where near their 52 week low quite unlike their cousins in the US. Bank of montreal trades up today. FYI. That speaks truth about the amount of subprime exposure for the canadian banks and also explains the continued boom in the canadian real estate market. “Economic uncertainty in the U. S spurred by the housing recession and tightening credit markets has perhaps knocked the American who would spend $500,000. Kelly said. Americans playing in the $1-million-plus market are still interested in Whistler but proceeding with a bit more compassionate he added. “They definitely have to have something before the Olympics whether it’s rental or purchase,” Kelly said. “Americans are big Olympic boosters they always have been and they want to be part of [the 2010 Games].” ” Yes. Americans are big Olympic boosters. But how many are going to buy just because of the Olympics. These $1 Million plus players didn’t get rich buying on hype. I remember lots of people saying Americans were buying places en masse a couple of years ago. I had quoted Landcor indicating this was not true but not everyone was convinced … it still appears they were not majors movers ever during this boom. Landcor didn’t change surface mentioned non-resident Iranians and Chinese since there purchases in BC were not significant. Lots of others thought there was proxy buying and that their purchasing was/is rampant. Maybe if one had lots of exposure to one market like burn Harbour this might seem true but I dont’ know since there is no data showing this. TORONTO. March 2 (Reuters) - Royal Bank of Canada (RY. TO: Quote. compose. Research) posted a 27.6 percent rise in its first-quarter profit on Friday as a result of strong earnings across all of its business divisions particularly in its U. S segment. Canada’s biggest tip said it earned C$1.49 billion or C$1.14 a share for the three months ending Jan. 31. VANCOUVER. British Columbia (Reuters) - Bank of Nova Scotia became the latest Canadian bank on Tuesday to warn of writedowns in its fourth-quarter results because of turmoil in the U. S subprime mortgage market. Scotiabank. Canada’s second-biggest bank said it will lop C$135 million ($141 million) after tax off the value of its nonbank asset-backed commercial paper (ABCP) and structured credit investments. The administer of Canada’s ABCP market that is not run by the country’s big banks ground to a stop this summer when buyers dried up on fears the debt investments were exposed to the U. S subprime market. Companies holding the paper as investments have been cutting up to 15 percent off its value. Scotiabank’s announcement came several hours after Royal Bank of Canada said it will take a C$160-million after-tax charge in the same quarter for investments tied to the subprime market where some analysts expect at least one in every four risky home loans could go into default. We probably haven’t seen the full extent of the write-downs but if my math is alter (someone please check it) RB made a Q1 profit about 9 times bigger than the create verbally down. Does that make the write-down big or small? I’ll let you decide and add only that I wouldn’t call the write down insignificant and smaller losses in one area of a profitable balance sheet have probably hammered other stock values even more. Aside from it looking scary and moving fast (sorry. Priced Out but what’s new about that?) can anyone hammer some numbers into perspective? (Side note: I read today a forecast for 4 rate cuts from BoC. Remember what I said about the CBs thinking they can manage inflation coco? I know time will tell but I see increasing liquidity on the horizon). If banks could manage subprime writedowns why would they raise mortgage rates in October due to the credit crunch and offer less off a discount off the posted mortgage rates more recently? I guess they want to maintain high profits and please the shareholders after all? The consumer will pay for banks bad investments whether that is in the form of higher credit card interest rates higher owe rates less of a discount off posted mortgage rates higher bank fees borrowing restrictions etc. etc. That said are you really seeing significant moves in mortgage rates? My latest rate sheet has everything from 1-5 years in a narrow band: 5.55% to 5.94%. Compare that to Feb this year:1 yr = 5.2%2 yr = 5.25%3 yr = 5.3%4 yr = 5.3%5 yr = 5.19% and September of ‘06:1 yr = 5.1% (unchanged from September 14 was 5.25% August 23rd)2 yr = 5.2% (unchanged from September 14 was 5.3% August 23rd)3 yr = 5.3% (unchanged from September 14 was 5.3% August 23rd)4 yr = 5.35% (unchanged from September 14 was 5.4% August 23rd)5 yr = 5.28% (was 5.3% September 14 and 5.35% August 23rd) Can’t find it online at the FP but in the paper itself. FP2. Best of the FP Netwoork you’ll find Ted Carmicheal. JP Morgan Chase Canada’s chief economist making the call. You guessed it: he is styled one of the most bearish forecasters on Bay Street. He thinks 4 cuts of 25 basis points apiece will not sell attempts to keep core inflation in the 2% range. In other news PMI Mortgage Insurance was approved Thursday for the lucrative insured mortgage arena. CMHC a enthrone corporation has long dominated the sector with about 70% market share. They’ve been giving up ground (not too hard to do when you start from a monopoly position and then have to compete) to Genworth and AIG. Another player makes for more competition and that gives Canadians who require mortgage insurance more choice which is a good thing. While it reduces CMHC’s access toe asy money it should also calm those who fear that the Canadian taxpayer is underwriting bad loans through CMHC. Who can really argue against privatizing bad loans? XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote have in mind=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

Forex Groups - Tips on Trading

Related article:
http://rireb.wordpress.com/2007/11/16/quick-wednesday-thursday-and-friday-numbers/ ]]> ]]> interesting thing was a well-priced listing we found on the Westside.  It was a prime candidate for our apartment re-habber but being well-priced we expected multiple offers.  As a buyer that means you have to really do your numbers and commit to a firm ceiling price and then take compassionate of all the regular furnish logisitics (financing minutes bylaws inspection etc) so that you can go in with few or no subjects.  We offered 6% over list but came in second.   We’ll have to monitor what happens with the sale (and other comps) to see if we were smart to stand pat. (We went through this in North Van as some may recall and soon after the neighbouring property sold for almost exactly what we offered when we lost the multiple perhaps indicating that the buyer had overpaid somewhat). Anyway. Friday we had 170 new listings and 177 sales for a sell/list of 104.12%  Inventory was 10,957 and over 90’s were 2,569 or 23.45%. This market is desire a marathoner that starts sprinting just when you think after running for days on straight it should drop dead. Or its like that guy that cracks open a new store of Smirnoff at 3am just when you think the party is over. I used to be a real estate salesman and I can tell you late Nov. but especially the first 2 weeks in Dec is the best time of year to buy. Usually those with property up for sale so close to Christmas are desperate to sell. The closer to Christmas the better. It is a fact that many speculators realize now they made a big mistake by playing this market and want to get out. The champagne-popping days are over. Despite all the brouhaha about a hot RE market it is clear very little is moving (down 13% from same Q last year) prices are slipping and poised for a major correction or maybe an outright crash. It is quite normal for sellers to stubbornly cling to their high prices not wanting to budge but there is a way to make them approach free market forces. Usually stink-bidding a property is hard for any individual to do on his own since going face to face with a seller who may be insulted is a situation you might not emotionally be able to handle. This is why you should employ an agent and let him do the work for you. Your agent is obligated to take ALL offers to the vendor. If your agent refuses to cooperate (and most ordain want to discourage you from this approach) you can remind him a complaint to the BC Real Estate Council might be in order. Be nice about it though and remind your agent it’s your money that’s on the line. And besides what’s so unusual of you being as stubborn (or bone-headed) about price as the seller? This approach is best for people who are just “sitting on the fence” not really needing to get into the market but at this point in the RE cycle it’s good strategy. As the Victorian-era poet Robert Browning said: “A man’s reach must exceed his grasp or what’s a heaven for?” Concerto “Year or so ago comment was “Yaletown Park and Spectrum are huge small box developments that will cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that come about ?”Actually I think it is happening a lot of those are listed for rent available immediately. I would imagine most purchasers decided that they would sell at peak season (spring) rent until then. How being unable to rent for 4 to 6 months is going to affect their staying power should be interesting. I guess we’ll see a flod of listings in February as they decide to try to have an early prime season suffering from 100% subsidy thru the winter season. What I see is exactly what I expected a dead winter season with all the new owners expecting to reap a 15% wind fall come spring! Therefore. (dog #1 through dog #7) should give Newsflash and Rob a call and beg them to find a good investment property before they become forever priced out of the market. I would like to know… All I can think of is wet and soggy… leaky and those are old news… Please enlighten us all with your wisdom beyond your years…. BTW if your in your 20’s… you should sit down and listen to folks that know better Hi. I rarely post here but am always watching. I have a request. I am currently writing an essay on Powell River as a single industry town. I am focussing on its growth as a retirement community. I need figures for the average determine of a single family home for each year for the last ten years. I undergo tried searching but nothing comes up. Could anyone help? Thanks “Year or so ago comment was “Yaletown Park and Spectrum are huge small box developments that will cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that happen ?” The Yaletown Park completions were a big topic of the past. The bears claimed this would be the turning point in the market. They were talking about in 2004 and 2005. After all these units completed (close to 800 plus 400 at Hudson) all the negative cash flow investors would bail. Or if they tried to rent them out it would fill the rental market and cause rents to displace. Either way the market was as good as done according to the bears and this would be the turning point. We heard similar things about Spectrum later on from others. So what happened? Yaletown Park was completed in Spring 2006. We saw very few units come up for sale (about 10%). The units that were for sale were snapped up right away. The units that were rented out were rented for record rents. All the people who bought at the presales were cash flow positive. And as we all experience the market continued it’s upward trend. Now we have Spectrum completing. Again rents have continued to rise and the Spectrum investors are again cash flow positive. Spectrum IMO is one of the worst DT locations stuck on an island between the viaducts and GM place on top of the only big box store in the core. Still they be to be getting decent rents for the units. I guess the bears will have to pick a new big project or event to focus on as the “turning point”. Lets pick a new one just for fun now the whole credit crunch thing seems to have gone by the wayside. A quick check on Craigslist shows many Spectrum assignments for sale with 563′ one bedrooms for sale at $379,000. Craigslist also shows many of these same units offered for rent at $1,250 per month. Let’s assume a conservative investor with 25% down and a 25 year mortgage at 5.75%. Mortgage payments alone are $1,776 per month with little of that going to principal in the first couple of years. Add taxes and strata fees (we’ll forget maintenance seeing as its new) and you’re come up over $2,200 per month. If you re-read what was said above it mentioned the people that bought at Spectrum will be cash-flow positive not the ones that are buying now. That condo you listed at $379,000 was probably bought for $225,000 when 1st offered or there abouts at the current rent of $1250/month which seems low it is not cash-flow negative. With rents going up a conservative 3% a year within a couple of years that investment will be paying a healthy divendend. First will current selling prices at $379,000 an original purchase price of $225,000 would be 68.44% appreciation. Nothing’s impossible I suppose but this seems more than a bit of a stretch. Even if we assume a $225,000 purchase price however the mortgage payment using the same parameters in my original post would be $1,054 per month. Add strata fees and taxes and you are still not cash flow positive at $1,250 per month in rent. The rent may seem low but that is what several investors are asking today; ergo its the current market. “Therefore. (dog #1 through dog #7) should give Newsflash and Rob a call and beg them to find a good investment property before they become forever priced out of the market” no need to be afraid of being priced out of the market because the RE chihuahua dogs are already well planned in the market; thank you for your concern by the way. How about you? still feeling lonely and change state of the market? Better to make that “spycho” counselling very soon!Just a prediction on Nov: The back up best on Record! “How being unable to rent for 4 to 6 months is going to affect their staying power should be interesting.” Some people rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that ordain purport to rent furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t know how successful they are. On that note there are lots of amateur landlords out there so don’t be surprised if they make all the usual (and unusual) mistakes that the pros experience how to avoid. Even if the market stays strong there will be investors that will get burned. I think there will be more of these cases around in the next few years than before. I guessed at the $225K figure as I don’t experience what the 1bds went for. I do know the 2brs at Specturm were offered at $299K hence the guess at $225 shouldn’t be too far off. Also the comment at onlt 15 lights being on for all the towers most of them haven’t been issued their occupancy permits yet. Again just playing devils advocate here. Jesse;”Some people rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that will purport to rent furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t know how successful they are.” Most if not all of the ones I see at Spectrum are asking for a 1 year lease with an option for a 6 month lease. Owner know one month vacancy is 10% less rent for the year. Spectrum doesn’t appear to be in the furnished hotel room syndrome. However a great place to see those kind of rentals is which I undergo watched for the past three months. In that time out of 2000 listings for downtown they are now at 25% vacancy from no vacancy in August. Absolutely nothing has moved. There incredibly high rents be to have to pay the entire return for the owner in the summer four months. If you bring home the bacon the math these are also losing for their investors. (Multiply the contract x 12 and 1/3 of that is the annual return)! As a side note Spectrum 3 and 4 are just starting move ins this week so be at the lights in December for a better idea. I’d probably look at Jan-Feb for the “lights on” test as one light lit is another extinguished — there is typically overlap especially with initial occupancy where the occupancy date can move and one needs to keep renting until the move-in date is guaranteed. “flipper city! low end kitchens godawful hall carpets only 2 elevators per bldg.” Agreed I was thru 3 and 4 a while approve on business. Basically low end spec quality lousy location. Try two treadmills for 900+ residents! Two elevators means one as with the number of suites one will all ways be tied up moving furniture. Hallway layout means if the move is on your floor you might not be able to get out. True price should be around $125,000.00 for a 1 bedroom which is what it will be in two years! British Columbia’s economy created over 55,800 new jobs in the past 12 months to October 2007. Of those. 48,600 or 87% were full-time. Sustained strong growth of employment has also contributed to a stabilise net influx of people from other provinces and from outside the country. At 4.4%. British Columbia’s unemployment rate is near the 20-year-low it reached in March 2007. Brian this is not news this is industry propaganda. Consider the website a construction company backed by RE industry quotes. “Finally despite the weakness in the U. S.. China’s insatiable appetite for British Columbia’s resources should mean that the province’s net exports will continue to contribute to growth in the future.” This is complete rubbish. China does not have an ‘insatiable appetite’ for BC exports. Reed construction could not have possibly verified this. As I posted last week. BC only exports what was it. 4.5% to China. I think it was $1.5 billion. Further it mentions 13 000 jobs created in construction out of 55 000 jobs over the last year were in construction alone. If this is correct almost a accommodate of all new jobs are in construction. Sounds like California a couple of years ago. A lot of Canadian banks have taken some write-off with regards to their subprime exposure. But if you check their stock prices they are no where near their 52 week low quite unlike their cousins in the US. Bank of montreal trades up today. FYI. That speaks truth about the amount of subprime exposure for the canadian banks and also explains the continued boom in the canadian real estate merchandise. “Economic uncertainty in the U. S spurred by the housing recession and tightening credit markets has perhaps knocked the American who would pay $500,000. Kelly said. Americans playing in the $1-million-plus market are still interested in Whistler but proceeding with a bit more care he added. “They definitely undergo to have something before the Olympics whether it’s rental or purchase,” Kelly said. “Americans are big Olympic boosters they always have been and they want to be part of [the 2010 Games].” ” Yes. Americans are big Olympic boosters. But how many are going to buy just because of the Olympics. These $1 Million plus players didn’t get rich buying on hype. I remember lots of people saying Americans were buying places en masse a couple of years ago. I had quoted Landcor indicating this was not true but not everyone was convinced … it still appears they were not majors movers ever during this boom. Landcor didn’t even mentioned non-resident Iranians and Chinese since there purchases in BC were not significant. Lots of others thought there was proxy buying and that their purchasing was/is rampant. Maybe if one had lots of exposure to one market like Coal shelter this might seem adjust but I dont’ experience since there is no data showing this. TORONTO. March 2 (Reuters) - Royal Bank of Canada (RY. TO: Quote. Profile. Research) posted a 27.6 percent rise in its first-quarter profit on Friday as a result of strong earnings across all of its business divisions particularly in its U. S segment. Canada’s biggest bank said it earned C$1.49 billion or C$1.14 a share for the three months ending Jan. 31. VANCOUVER. British Columbia (Reuters) - tip of Nova Scotia became the latest Canadian bank on Tuesday to warn of writedowns in its fourth-quarter results because of turmoil in the U. S subprime mortgage market. Scotiabank. Canada’s second-biggest bank said it will lop C$135 million ($141 million) after tax off the value of its nonbank asset-backed commercial cover (ABCP) and structured credit investments. The portion of Canada’s ABCP market that is not run by the country’s big banks ground to a halt this pass when buyers dried up on fears the debt investments were exposed to the U. S subprime market. Companies holding the paper as investments have been cutting up to 15 percent off its value. Scotiabank’s announcement came several hours after Royal Bank of Canada said it will act a C$160-million after-tax charge in the same quarter for investments tied to the subprime market where some analysts expect at least one in every four risky home loans could go into default. We probably haven’t seen the full extent of the write-downs but if my math is right (someone please check it) RB made a Q1 profit about 9 times bigger than the write down. Does that make the write-down big or small? I’ll let you decide and add only that I wouldn’t call the write down insignificant and smaller losses in one area of a profitable balance sheet have probably hammered other have values even more. Aside from it looking scary and moving fast (sorry. Priced Out but what’s new about that?) can anyone hammer some numbers into perspective? (Side note: I read today a forecast for 4 rate cuts from BoC. Remember what I said about the CBs thinking they can manage inflation coco? I experience time ordain tell but I see increasing liquidity on the horizon). If banks could manage subprime writedowns why would they raise mortgage rates in October due to the credit crunch and offer less off a discount off the posted mortgage rates more recently? I guess they want to maintain high profits and gratify the shareholders after all? The consumer will pay for banks bad investments whether that is in the form of higher credit separate interest rates higher mortgage rates less of a discount off posted mortgage rates higher bank fees borrowing restrictions etc. etc. That said are you really seeing significant moves in mortgage rates? My latest rate sheet has everything from 1-5 years in a change band: 5.55% to 5.94%. Compare that to Feb this year:1 yr = 5.2%2 yr = 5.25%3 yr = 5.3%4 yr = 5.3%5 yr = 5.19% and September of ‘06:1 yr = 5.1% (unchanged from September 14 was 5.25% August 23rd)2 yr = 5.2% (unchanged from September 14 was 5.3% August 23rd)3 yr = 5.3% (unchanged from September 14 was 5.3% August 23rd)4 yr = 5.35% (unchanged from September 14 was 5.4% August 23rd)5 yr = 5.28% (was 5.3% September 14 and 5.35% August 23rd) Can’t find it online at the FP but in the paper itself. FP2. Best of the FP Netwoork you’ll find Ted Carmicheal. JP Morgan Chase Canada’s chief economist making the call. You guessed it: he is styled one of the most bearish forecasters on Bay Street. He thinks 4 cuts of 25 basis points apiece will not undercut attempts to keep core inflation in the 2% range. In other news PMI Mortgage Insurance was approved Thursday for the lucrative insured mortgage arena. CMHC a crown corporation has long dominated the sector with about 70% market share. They’ve been giving up ground (not too hard to do when you start from a monopoly position and then have to compete) to Genworth and AIG. Another player makes for more competition and that gives Canadians who require mortgage insurance more choice which is a good thing. While it reduces CMHC’s access toe asy money it should also calm those who fear that the Canadian taxpayer is underwriting bad loans through CMHC. Who can really lay out against privatizing bad loans? XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

Forex Groups - Tips on Trading

Related article:
http://rireb.wordpress.com/2007/11/16/quick-wednesday-thursday-and-friday-numbers/ ]]> ]]> through this in North Van as some may recall and soon after the neighbouring property sold for almost exactly what we offered when we lost the multiple perhaps indicating that the buyer had overpaid somewhat). Anyway. Friday we had 170 new listings and 177 sales for a sell/list of 104.12%  Inventory was 10,957 and over 90’s were 2,569 or 23.45%. This market is like a marathoner that starts sprinting just when you think after running for days on straight it should drop dead. Or its like that guy that cracks open a new bottle of Smirnoff at 3am just when you think the party is over. I used to be a real estate salesman and I can tell you late Nov. but especially the first 2 weeks in Dec is the best time of year to buy. Usually those with property up for sale so close to Christmas are desperate to sell. The closer to Christmas the better. It is a fact that many speculators realize now they made a big mistake by playing this market and want to get out. The champagne-popping days are over. Despite all the brouhaha about a hot RE market it is clear very little is moving (down 13% from same Q measure year) prices are slipping and poised for a major correction or maybe an outright crash. It is quite normal for sellers to stubbornly cling to their high prices not wanting to move but there is a way to make them face free market forces. Usually stink-bidding a property is hard for any individual to do on his own since going face to face with a seller who may be insulted is a situation you might not emotionally be able to handle. This is why you should employ an agent and let him do the work for you. Your agent is obligated to take ALL offers to the vendor. If your agent refuses to cooperate (and most will want to discourage you from this approach) you can remind him a complaint to the BC Real Estate Council might be in order. Be nice about it though and remind your agent it’s your money that’s on the line. And besides what’s so unusual of you being as stubborn (or bone-headed) about price as the seller? This approach is beat for people who are just “sitting on the fence” not really needing to get into the market but at this point in the RE cycle it’s good strategy. As the Victorian-era poet Robert Browning said: “A man’s reach must exceed his grasp or what’s a heaven for?” Concerto “Year or so ago comment was “Yaletown Park and Spectrum are huge small box developments that ordain cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that happen ?”Actually I think it is happening a lot of those are listed for rent available immediately. I would imagine most purchasers decided that they would sell at peak toughen (spring) contract until then. How being unable to contract for 4 to 6 months is going to affect their staying power should be interesting. I suspect we’ll see a flod of listings in February as they decide to try to have an early prime toughen suffering from 100% subsidy thru the winter toughen. What I see is exactly what I expected a dead winter season with all the new owners expecting to reap a 15% wind fall come spring! Therefore. (dog #1 through dog #7) should furnish Newsflash and Rob a call and beg them to find a good investment property before they change state forever priced out of the market. I would like to know… All I can think of is wet and soggy… leaky and those are old news… Please enlighten us all with your wisdom beyond your years…. BTW if your in your 20’s… you should sit down and listen to folks that know exceed Hi. I rarely post here but am always watching. I have a request. I am currently writing an essay on Powell River as a single industry town. I am focussing on its growth as a retirement community. I need figures for the average price of a single family home for each year for the last ten years. I have tried searching but nothing comes up. Could anyone help? Thanks “Year or so ago comment was “Yaletown Park and Spectrum are huge small box developments that will cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that come about ?” The Yaletown Park completions were a big topic of the past. The bears claimed this would be the turning point in the merchandise. They were talking about in 2004 and 2005. After all these units completed (close to 800 plus 400 at Hudson) all the negative cash flow investors would bail. Or if they tried to rent them out it would flood the rental market and create rents to drop. Either way the market was as good as done according to the bears and this would be the turning point. We heard similar things about Spectrum later on from others. So what happened? Yaletown Park was completed in move 2006. We saw very few units come up for sale (about 10%). The units that were for sale were snapped up right away. The units that were rented out were rented for preserve rents. All the people who bought at the presales were cash flow positive. And as we all know the market continued it’s upward trend. Now we have Spectrum completing. Again rents undergo continued to rise and the Spectrum investors are again change flow positive. Spectrum IMO is one of the worst DT locations stuck on an island between the viaducts and GM place on top of the only big box store in the core. Still they seem to be getting decent rents for the units. I guess the bears will have to pick a new big project or event to focus on as the “turning point”. Lets pick a new one just for fun now the whole credit crunch thing seems to have gone by the wayside. A quick analyse on Craigslist shows many Spectrum assignments for sale with 563′ one bedrooms for sale at $379,000. Craigslist also shows many of these same units offered for contract at $1,250 per month. Let’s assume a conservative investor with 25% down and a 25 year mortgage at 5.75%. Mortgage payments alone are $1,776 per month with little of that going to principal in the first bring together of years. Add taxes and strata fees (we’ll forget maintenance seeing as its new) and you’re well over $2,200 per month. If you re-read what was said above it mentioned the people that bought at Spectrum will be cash-flow positive not the ones that are buying now. That condo you listed at $379,000 was probably bought for $225,000 when 1st offered or there abouts at the current rent of $1250/month which seems low it is not cash-flow negative. With rents going up a conservative 3% a year within a couple of years that investment ordain be paying a healthy divendend. First will current selling prices at $379,000 an original purchase price of $225,000 would be 68.44% appreciation. Nothing’s impossible I suppose but this seems more than a bit of a stretch. Even if we assume a $225,000 purchase price however the mortgage payment using the same parameters in my original post would be $1,054 per month. Add strata fees and taxes and you are comfort not cash flow positive at $1,250 per month in rent. The rent may seem low but that is what several investors are asking today; ergo its the current market. “Therefore. (dog #1 through dog #7) should give Newsflash and Rob a call and beg them to find a good investment property before they become forever priced out of the market” no be to be afraid of being priced out of the market because the RE chihuahua dogs are already well planned in the market; thank you for your concern by the way. How about you? still feeling lonely and sour of the market? exceed to make that “spycho” counselling very soon!Just a prediction on Nov: The second best on Record! “How being unable to rent for 4 to 6 months is going to affect their staying power should be interesting.” Some people rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that will purport to rent furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t know how successful they are. On that note there are lots of amateur landlords out there so don’t be surprised if they make all the usual (and unusual) mistakes that the pros know how to avoid. change surface if the merchandise stays strong there will be investors that will get burned. I think there will be more of these cases around in the next few years than before. I guessed at the $225K figure as I don’t know what the 1bds went for. I do know the 2brs at Specturm were offered at $299K hence the anticipate at $225 shouldn’t be too far off. Also the comment at onlt 15 lights being on for all the towers most of them haven’t been issued their occupancy permits yet. Again just playing devils advocate here. Jesse;”Some people rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that will purport to contract furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t know how successful they are.” Most if not all of the ones I see at Spectrum are asking for a 1 year lease with an option for a 6 month lease. Owner know one month vacancy is 10% less rent for the year. Spectrum doesn’t appear to be in the furnished hotel room syndrome. However a great place to see those kind of rentals is which I have watched for the past three months. In that time out of 2000 listings for downtown they are now at 25% vacancy from no vacancy in August. Absolutely nothing has moved. There incredibly high rents appear to have to pay the entire go for the owner in the summer four months. If you work the math these are also losing for their investors. (Multiply the rent x 12 and 1/3 of that is the annual return)! As a side note Spectrum 3 and 4 are just starting move ins this week so look at the lights in December for a better idea. I’d probably look at Jan-Feb for the “lights on” test as one light lit is another extinguished — there is typically overlap especially with initial occupancy where the occupancy date can slip and one needs to keep renting until the move-in date is guaranteed. “flipper city! low end kitchens godawful hall carpets only 2 elevators per bldg.” Agreed I was thru 3 and 4 a while back on business. Basically low end spec quality lousy location. Try two treadmills for 900+ residents! Two elevators means one as with the number of suites one will all ways be tied up moving furniture. Hallway layout means if the move is on your floor you might not be able to get out. True price should be around $125,000.00 for a 1 bedroom which is what it will be in two years! British Columbia’s economy created over 55,800 new jobs in the past 12 months to October 2007. Of those. 48,600 or 87% were full-time. Sustained strong growth of employment has also contributed to a steady net influx of people from other provinces and from outside the country. At 4.4%. British Columbia’s unemployment rate is near the 20-year-low it reached in March 2007. Brian this is not news this is industry propaganda. Consider the website a construction company backed by RE industry quotes. “Finally despite the weakness in the U. S.. China’s insatiable appetite for British Columbia’s resources should mean that the province’s net exports will continue to alter to growth in the future.” This is complete rubbish. China does not have an ‘insatiable appetite’ for BC exports. Reed construction could not have possibly verified this. As I posted last week. BC only exports what was it. 4.5% to China. I think it was $1.5 billion. advance it mentions 13 000 jobs created in construction out of 55 000 jobs over the last year were in construction alone. If this is correct almost a quarter of all new jobs are in construction. Sounds desire California a couple of years ago. A lot of Canadian banks undergo taken some write-off with regards to their subprime exposure. But if you check their stock prices they are no where near their 52 week low quite unlike their cousins in the US. Bank of montreal trades up today. FYI. That speaks truth about the amount of subprime exposure for the canadian banks and also explains the continued boom in the canadian real estate market. “Economic uncertainty in the U. S spurred by the housing recession and tightening credit markets has perhaps knocked the American who would spend $500,000. Kelly said. Americans playing in the $1-million-plus merchandise are still interested in Whistler but proceeding with a bit more care he added. “They definitely have to have something before the Olympics whether it’s rental or purchase,” Kelly said. “Americans are big Olympic boosters they always have been and they want to be part of [the 2010 Games].” ” Yes. Americans are big Olympic boosters. But how many are going to buy just because of the Olympics. These $1 Million plus players didn’t get rich buying on hype. I remember lots of populate saying Americans were buying places en masse a couple of years ago. I had quoted Landcor indicating this was not true but not everyone was convinced … it still appears they were not majors movers ever during this boom. Landcor didn’t even mentioned non-resident Iranians and Chinese since there purchases in BC were not significant. Lots of others thought there was proxy buying and that their purchasing was/is rampant. Maybe if one had lots of exposure to one market like Coal Harbour this might be true but I dont’ know since there is no data showing this. TORONTO. March 2 (Reuters) - Royal Bank of Canada (RY. TO: Quote. Profile. Research) posted a 27.6 percent rise in its first-quarter profit on Friday as a prove of strong earnings across all of its business divisions particularly in its U. S segment. Canada’s biggest bank said it earned C$1.49 billion or C$1.14 a share for the three months ending Jan. 31. VANCOUVER. British Columbia (Reuters) - Bank of Nova Scotia became the latest Canadian bank on Tuesday to warn of writedowns in its fourth-quarter results because of turmoil in the U. S subprime mortgage market. Scotiabank. Canada’s second-biggest bank said it will lop C$135 million ($141 million) after tax off the value of its nonbank asset-backed commercial paper (ABCP) and structured credit investments. The portion of Canada’s ABCP market that is not run by the country’s big banks ground to a halt this summer when buyers dried up on fears the debt investments were exposed to the U. S subprime market. Companies holding the paper as investments have been cutting up to 15 percent off its value. Scotiabank’s announcement came several hours after Royal Bank of Canada said it will take a C$160-million after-tax charge in the same quarter for investments tied to the subprime market where some analysts expect at least one in every four risky home loans could go into default. We probably haven’t seen the full extent of the write-downs but if my math is right (someone please check it) RB made a Q1 profit about 9 times bigger than the create verbally drink. Does that make the write-down big or small? I’ll let you decide and add only that I wouldn’t label the write down insignificant and smaller losses in one area of a profitable balance sheet undergo probably hammered other stock values even more. Aside from it looking scary and moving fast (sorry. Priced Out but what’s new about that?) can anyone hammer some numbers into perspective? (Side say: I read today a forecast for 4 rate cuts from BoC. Remember what I said about the CBs thinking they can bring home the bacon inflation coco? I know time will tell but I see increasing liquidity on the horizon). If banks could manage subprime writedowns why would they increase mortgage rates in October due to the credit crunch and offer less off a discount off the posted mortgage rates more recently? I guess they want to maintain high profits and please the shareholders after all? The consumer will pay for banks bad investments whether that is in the form of higher credit card interest rates higher owe rates less of a discount off posted mortgage rates higher bank fees borrowing restrictions etc. etc. That said are you really seeing significant moves in mortgage rates? My latest rate sheet has everything from 1-5 years in a narrow band: 5.55% to 5.94%. analyse that to Feb this year:1 yr = 5.2%2 yr = 5.25%3 yr = 5.3%4 yr = 5.3%5 yr = 5.19% and September of ‘06:1 yr = 5.1% (unchanged from September 14 was 5.25% August 23rd)2 yr = 5.2% (unchanged from September 14 was 5.3% August 23rd)3 yr = 5.3% (unchanged from September 14 was 5.3% August 23rd)4 yr = 5.35% (unchanged from September 14 was 5.4% August 23rd)5 yr = 5.28% (was 5.3% September 14 and 5.35% August 23rd) Can’t find it online at the FP but in the paper itself. FP2. Best of the FP Netwoork you’ll find Ted Carmicheal. JP Morgan Chase Canada’s chief economist making the label. You guessed it: he is styled one of the most bearish forecasters on Bay Street. He thinks 4 cuts of 25 basis points apiece will not undercut attempts to act core inflation in the 2% range. In other news PMI owe Insurance was approved Thursday for the lucrative insured mortgage arena. CMHC a crown corporation has long dominated the sector with about 70% market share. They’ve been giving up ground (not too hard to do when you go away from a monopoly position and then have to compete) to Genworth and AIG. Another player makes for more competition and that gives Canadians who demand mortgage insurance more choice which is a good thing. While it reduces CMHC’s access toe asy money it should also calm those who fear that the Canadian taxpayer is underwriting bad loans through CMHC. Who can really argue against privatizing bad loans? XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q have in mind=""> <strike> <strong>

Forex Groups - Tips on Trading

Related article:
http://rireb.wordpress.com/2007/11/16/quick-wednesday-thursday-and-friday-numbers/ ]]> ]]> clear very little is moving (drink 13% from same Q last year) prices are slipping and poised for a major correction or maybe an outright crash. It is quite normal for sellers to stubbornly cling to their high prices not wanting to budge but there is a way to make them face free market forces. Usually stink-bidding a property is hard for any individual to do on his own since going face to face with a seller who may be insulted is a situation you might not emotionally be able to handle. This is why you should employ an agent and let him do the work for you. Your agent is obligated to take ALL offers to the vendor. If your agent refuses to cooperate (and most will want to discourage you from this approach) you can remind him a complaint to the BC Real Estate Council might be in order. Be nice about it though and remind your agent it’s your money that’s on the line. And besides what’s so unusual of you being as stubborn (or bone-headed) about price as the seller? This approach is best for people who are just “sitting on the fence” not really needing to get into the market but at this point in the RE cycle it’s good strategy. As the Victorian-era poet Robert Browning said: “A man’s reach must exceed his grasp or what’s a heaven for?” Concerto “Year or so ago comment was “Yaletown Park and Spectrum are huge small box developments that will cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that happen ?”Actually I think it is happening a lot of those are listed for rent available immediately. I would imagine most purchasers decided that they would sell at peak season (spring) rent until then. How being unable to rent for 4 to 6 months is going to alter their staying power should be interesting. I suspect we’ll see a flod of listings in February as they decide to try to have an early prime season suffering from 100% subsidy thru the pass season. What I see is exactly what I expected a dead winter toughen with all the new owners expecting to reap a 15% wind fall come spring! Therefore. (dog #1 through dog #7) should give Newsflash and Rob a call and beg them to find a good investment property before they become forever priced out of the market. I would like to know… All I can think of is wet and soggy… leaky and those are old news… Please instruct us all with your wisdom beyond your years…. BTW if your in your 20’s… you should sit down and listen to folks that know better Hi. I rarely post here but am always watching. I have a request. I am currently writing an essay on Powell River as a single industry town. I am focussing on its growth as a retirement community. I need figures for the add up price of a single family home for each year for the last ten years. I have tried searching but nothing comes up. Could anyone back up? Thanks “Year or so ago comment was “Yaletown Park and Spectrum are huge small box developments that ordain cause oversupply upon completion”. “prices will drop” etc etc. Is it just me or did nothing like that come about ?” The Yaletown Park completions were a big topic of the past. The bears claimed this would be the turning point in the market. They were talking about in 2004 and 2005. After all these units completed (close to 800 plus 400 at Hudson) all the negative cash flow investors would bail. Or if they tried to rent them out it would flood the rental market and cause rents to drop. Either way the market was as good as done according to the bears and this would be the turning point. We heard similar things about Spectrum later on from others. So what happened? Yaletown Park was completed in Spring 2006. We saw very few units come up for sale (about 10%). The units that were for sale were snapped up alter away. The units that were rented out were rented for record rents. All the people who bought at the presales were cash flow positive. And as we all know the market continued it’s upward trend. Now we undergo Spectrum completing. Again rents have continued to rise and the Spectrum investors are again cash flow positive. Spectrum IMO is one of the worst DT locations stuck on an island between the viaducts and GM place on top of the only big box hold on in the core. comfort they seem to be getting decent rents for the units. I guess the bears will have to pick a new big project or event to focus on as the “turning inform”. Lets pick a new one just for fun now the whole credit crunch thing seems to have gone by the wayside. A quick analyse on Craigslist shows many Spectrum assignments for sale with 563′ one bedrooms for sale at $379,000. Craigslist also shows many of these same units offered for rent at $1,250 per month. Let’s assume a conservative investor with 25% down and a 25 year mortgage at 5.75%. Mortgage payments alone are $1,776 per month with little of that going to principal in the first couple of years. Add taxes and strata fees (we’ll forget maintenance seeing as its new) and you’re well over $2,200 per month. If you re-read what was said above it mentioned the people that bought at Spectrum will be cash-flow positive not the ones that are buying now. That condo you listed at $379,000 was probably bought for $225,000 when 1st offered or there abouts at the current rent of $1250/month which seems low it is not cash-flow negative. With rents going up a conservative 3% a year within a couple of years that investment will be paying a healthy divendend. First will current selling prices at $379,000 an original acquire price of $225,000 would be 68.44% appreciation. Nothing’s impossible I speculate but this seems more than a bit of a stretch. Even if we assume a $225,000 purchase price however the owe payment using the same parameters in my original post would be $1,054 per month. Add strata fees and taxes and you are still not cash flow positive at $1,250 per month in rent. The rent may seem low but that is what several investors are asking today; ergo its the current market. “Therefore. (dog #1 through dog #7) should give Newsflash and Rob a call and beg them to find a good investment property before they become forever priced out of the market” no need to be afraid of being priced out of the market because the RE chihuahua dogs are already well planned in the market; thank you for your concern by the way. How about you? still feeling lonely and sour of the market? Better to make that “spycho” counselling very soon!Just a prediction on Nov: The second best on Record! “How being unable to rent for 4 to 6 months is going to alter their staying cater should be interesting.” Some people rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that will purport to rent furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t know how successful they are. On that note there are lots of amateur landlords out there so don’t be surprised if they make all the usual (and unusual) mistakes that the pros know how to avoid. change surface if the market stays strong there ordain be investors that ordain get burned. I think there will be more of these cases around in the next few years than before. I guessed at the $225K figure as I don’t know what the 1bds went for. I do know the 2brs at Specturm were offered at $299K hence the guess at $225 shouldn’t be too far off. Also the comment at onlt 15 lights being on for all the towers most of them haven’t been issued their occupancy permits yet. Again just playing devils advocate here. Jesse;”Some populate rent out furnished units on a monthly basis (hotel style) so they can stage for sale quickly. There are agencies that ordain purport to rent furnished units out for you for a fee. Better than nothing craigslist has a few of these but I don’t know how successful they are.” Most if not all of the ones I see at Spectrum are asking for a 1 year lease with an option for a 6 month lease. Owner know one month vacancy is 10% less rent for the year. Spectrum doesn’t appear to be in the furnished hotel dwell syndrome. However a great site to see those kind of rentals is which I have watched for the past three months. In that time out of 2000 listings for downtown they are now at 25% vacancy from no vacancy in August. Absolutely nothing has moved. There incredibly high rents appear to have to pay the entire return for the owner in the summer four months. If you work the math these are also losing for their investors. (Multiply the rent x 12 and 1/3 of that is the annual return)! As a side note Spectrum 3 and 4 are just starting move ins this week so look at the lights in December for a exceed idea. I’d probably look at Jan-Feb for the “lights on” test as one lighten lit is another extinguished — there is typically overlap especially with initial occupancy where the occupancy date can slip and one needs to keep renting until the move-in date is guaranteed. “flipper city! low end kitchens godawful hall carpets only 2 elevators per bldg.” Agreed I was thru 3 and 4 a while back on business. Basically low end spec quality lousy location. Try two treadmills for 900+ residents! Two elevators means one as with the number of suites one will all ways be tied up moving furniture. Hallway layout means if the move is on your floor you might not be able to get out. True price should be around $125,000.00 for a 1 bedroom which is what it will be in two years! British Columbia’s economy created over 55,800 new jobs in the past 12 months to October 2007. Of those. 48,600 or 87% were full-time. Sustained strong growth of employment has also contributed to a steady net influx of people from other provinces and from outside the country. At 4.4%. British Columbia’s unemployment rate is near the 20-year-low it reached in March 2007. Brian this is not news this is industry propaganda. Consider the website a construction company backed by RE industry quotes. “Finally despite the weakness in the U. S.. China’s insatiable appetite for British Columbia’s resources should mean that the province’s net exports will continue to contribute to growth in the future.” This is complete rubbish. China does not undergo an ‘insatiable appetite’ for BC exports. Reed construction could not have possibly verified this. As I posted last week. BC only exports what was it. 4.5% to China. I evaluate it was $1.5 billion. Further it mentions 13 000 jobs created in construction out of 55 000 jobs over the last year were in construction alone. If this is correct almost a quarter of all new jobs are in construction. Sounds like California a bring together of years ago. A lot of Canadian banks have taken some write-off with regards to their subprime exposure. But if you check their stock prices they are no where near their 52 week low quite unlike their cousins in the US. Bank of montreal trades up today. FYI. That speaks truth about the amount of subprime exposure for the canadian banks and also explains the continued boom in the canadian real estate merchandise. “Economic uncertainty in the U. S spurred by the housing recession and tightening credit markets has perhaps knocked the American who would spend $500,000. Kelly said. Americans playing in the $1-million-plus market are still interested in Whistler but proceeding with a bit more care he added. “They definitely have to have something before the Olympics whether it’s rental or purchase,” Kelly said. “Americans are big Olympic boosters they always have been and they want to be part of [the 2010 Games].” ” Yes. Americans are big Olympic boosters. But how many are going to buy just because of the Olympics. These $1 Million plus players didn’t get rich buying on hype. I remember lots of people saying Americans were buying places en masse a couple of years ago. I had quoted Landcor indicating this was not true but not everyone was convinced … it still appears they were not majors movers ever during this boom. Landcor didn’t even mentioned non-resident Iranians and Chinese since there purchases in BC were not significant. Lots of others thought there was proxy buying and that their purchasing was/is rampant. Maybe if one had lots of exposure to one market desire Coal shelter this might seem true but I dont’ know since there is no data showing this. TORONTO. March 2 (Reuters) - Royal Bank of Canada (RY. TO: Quote. compose. Research) posted a 27.6 percent rise in its first-quarter profit on Friday as a result of strong earnings across all of its business divisions particularly in its U. S segment. Canada’s biggest bank said it earned C$1.49 billion or C$1.14 a share for the three months ending Jan. 31. VANCOUVER. British Columbia (Reuters) - Bank of Nova Scotia became the latest Canadian bank on Tuesday to warn of writedowns in its fourth-quarter results because of turmoil in the U. S subprime mortgage merchandise. Scotiabank. Canada’s second-biggest bank said it will lop C$135 million ($141 million) after tax off the value of its nonbank asset-backed commercial paper (ABCP) and structured credit investments. The portion of Canada’s ABCP market that is not run by the country’s big banks ground to a halt this summer when buyers dried up on fears the debt investments were exposed to the U. S subprime market. Companies holding the paper as investments have been cutting up to 15 percent off its value. Scotiabank’s announcement came several hours after Royal Bank of Canada said it will take a C$160-million after-tax rush in the same quarter for investments tied to the subprime market where some analysts expect at least one in every four risky home loans could go into default. We probably haven’t seen the full extent of the write-downs but if my math is right (someone please check it) RB made a Q1 profit about 9 times bigger than the write down. Does that alter the write-down big or small? I’ll let you decide and add only that I wouldn’t call the write drink insignificant and smaller losses in one area of a profitable balance sheet have probably hammered other stock values even more. Aside from it looking scary and moving fast (sorry. Priced Out but what’s new about that?) can anyone hammer some numbers into perspective? (Side note: I read today a forecast for 4 rate cuts from BoC. bequeath what I said about the CBs thinking they can manage inflation coco? I know time ordain express but I see increasing liquidity on the horizon). If banks could manage subprime writedowns why would they raise mortgage rates in October due to the credit crunch and offer less off a discount off the posted owe rates more recently? I guess they want to maintain high profits and please the shareholders after all? The consumer will pay for banks bad investments whether that is in the form of higher ascribe card interest rates higher mortgage rates less of a discount off posted mortgage rates higher bank fees borrowing restrictions etc. etc. That said are you really seeing significant moves in mortgage rates? My latest rate pelt has everything from 1-5 years in a narrow band: 5.55% to 5.94%. Compare that to Feb this year:1 yr = 5.2%2 yr = 5.25%3 yr = 5.3%4 yr = 5.3%5 yr = 5.19% and September of ‘06:1 yr = 5.1% (unchanged from September 14 was 5.25% August 23rd)2 yr = 5.2% (unchanged from September 14 was 5.3% August 23rd)3 yr = 5.3% (unchanged from September 14 was 5.3% August 23rd)4 yr = 5.35% (unchanged from September 14 was 5.4% August 23rd)5 yr = 5.28% (was 5.3% September 14 and 5.35% August 23rd) Can’t find it online at the FP but in the paper itself. FP2. Best of the FP Netwoork you’ll find Ted Carmicheal. JP Morgan Chase Canada’s chief economist making the call. You guessed it: he is styled one of the most bearish forecasters on Bay Street. He thinks 4 cuts of 25 basis points apiece will not undercut attempts to keep core inflation in the 2% range. In other news PMI Mortgage Insurance was approved Thursday for the lucrative insured mortgage arena. CMHC a enthrone corporation has long dominated the sector with about 70% market overlap. They’ve been giving up ground (not too hard to do when you start from a monopoly position and then have to compete) to Genworth and AIG. Another player makes for more competition and that gives Canadians who demand mortgage insurance more choice which is a good thing. While it reduces CMHC’s access toe asy money it should also calm those who fear that the Canadian taxpayer is underwriting bad loans through CMHC. Who can really argue against privatizing bad loans? XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <touch> <strong>

Forex Groups - Tips on Trading

Related article:
http://rireb.wordpress.com/2007/11/16/quick-wednesday-thursday-and-friday-numbers/ ]]> ]]> over the news that a year’s worth of work will not be rewarded with the cash money I had hoped would make this a special Chrismahannuka. But in a relatively compressed time I’ve moved through a remarkable outpouring of grief affirming emails and professional dialogue that has made this experience in ways that NBPTS never imagined one of the richest in my professional life. I can’t possibly thank everyone who has reminded me that my worth as a teacher is not the sum of a Very Hard evaluate. But I can and will act blogging this thing because even though I was unable to link my own writing to student achievement to the satisfaction of NBPTS. I am still convinced that putting myself out there and giving other teachers a displace to talk is one of the most important things I do as a professional. Bemoaning the lack of feedback is a common refrain amongst us almosts but there is a party line ably presented by a colleague on a listserv who has allowed me to reprint her responses to my criticism of this aspect of the schedule. She articulates it with more clarity and compassion than anyone I know: [Emmet] I sight that the "no feedback" policy walks a line I didn't know existed between Zen and sanctimony. I like the idea that there are many ways to get it right but I also would NEVER in my own practice with students furnish a huge year-long assignment or any significant assignment for that be without providing a lot of chances for coaching low-risk learn and improvement. If we affirm to be know teachers why are we creating an assessment that flies in the approach of what we know about real learning? Maybe we should be honest and say that there are too many tests to grade and we couldn't possibly get through them if we had to tell everyone where they gained or lost points. [Nancy] There are three reasons why NB doesn't give feedback to candidates:#1) It's a professional assessment. When someone doesn't pass a bar exam they don't get feedback they get numbers. It is assumed that the applicant ordain evaluate out what needs to be improved as an aspiring professional. When we furnish our students feedback that'saligned with the purpose of teaching. The NB Assessment has a different intend: identifying not building accomplished teaching. #2) Although most (over 90%) of teachers who go through the process conclude that their teaching has improved as a result it is not a professional development experience (desire NWP). If NBPTS were to furnish feedback the discovery process of figuring out what missing--evidence—would be short-circuited. Teachers would be "fixing" what the NB specified needed fixing (i e. hoop-jumping) rather than uncovering what might be missing on their own. And we all know that discovered learning is exceed than drill-and-spill. #3) The scoring process does not give any product that would tell candidates what was missing or wrong. There are no points or checklists. The evidence presented is scored holistically. The rubric for scoring is given to candidates in their portfolio materials. Thequestion is the same for every entry: is the evidence provided alter consistent and onvincing proof that the candidate is meeting the standards? A good candidate support program will let candidates know--in advance--that they will not be receiving feedback and why. With due respect to Nancy who went to lengths that only a master teacher would in responding to me on enumerate and off for me the argument that Natty Boards is not professional development and therefore shouldn’t give exceed feedback is specious. It demands the commitment of a have program and its advocates claim that certifying is a transformative experience. What’s more a common piece of encouragement heard by me and other almosts is: Stick with it-- this is a three-year process. Many do pass on their back up or (god bless ‘em) third try. How can a evaluate measure three years? Another common consolation I’ve heard is: You’re a great teacher and you foster lots of student achievement. You just didn’t show it in your entry and your bear witness. This begs the question of course about what the evaluate measures: my teaching ability or my ability to show them my teaching ability in a certain way. Since getting better at the latter will make me sixty grand (and because I’m more stubborn than hurt) here’s what I plan to do. Go for it. But bass-ackwards. No more worrying about core propositions or standards or (pshaw) good writing. From here on in it’s all about Student Achievement. I will rebuild Entry 4 not based on the professional achievements outside the classroom that are truly the most meaningful to me—building the boat my association with the writing communicate publishing this blog-- at least not simply because they are meaningful to me. Instead. I will include accomplishments only based on examples of student achievement that I know can be documented in convincing NBPTS make. If I can still include my work as a writer great. If instead I have to keep a communication log of the hundreds of parent contacts that I alter without a back up thought during the course of a normal school year so be it. I’ll make the stinking list. It isn’t sexy it isn’t the above-and-beyond that makes me Teacherman. It’s just the job. I wish I’d figured out earlier that lowering my expectations for what this Test-and-not-a-process can be is what it takes to summit. Dear Emmet,This is going to sound crazy but I started crying when my colleague told me that you did not certify. I turned her on to you last year because you were the one treat I allowed myself when I wasn't working on NBC. I LIVED for your communicate because as an ELA AYA you were without exception my greatest resource. I LEARNED the meaning of Entries 1 and 2 from reading your analyses of them. I sailed through the assessments because one of the NBCTs who commented on one of your communicate entries said that we should relax because we were being scored by teachers who were on our side. This is breaking my heart. I did bear witness in one year and it is largely a prove of the outstanding TEACHING you did in your blog entries. I'm just crestfallen because of this. I'll be so happy next year when you certify. I owe much of my success to you and this communicate. Much love and convey you. Re: your comment on choosing "student achievement" over the standards and propositions--student learning is deeply embedded IN those standards which say that everything you do as a teacher in and out of the classroom must be evaluated in the light of the student learning that results. Sometimes that learning is measured conventionally--and sometimes the learning is more affective; it's up to you to express the story. There is no separation between student achievement and the standards. It's not about "bragging your tail off," either. Your success depends on whether there are some concrete examples of how kids in your school have benefited from your lessons and your accomplishments. That's all. You can amplify all you want but it doesn't ascertain unless it's backed up by evidence. And evidence matters. We all know teachers who talk a good game but aren't teaching their kids much at all. You *are* Teacherman. Your writing and your creative projects may well be effecting some important growth in kids. All the standards and assessments do is ask you to provide evidence of that. The fact that you helped other teachers understand the NB challenge better is a testament to your ability to "write as a way of knowing." You should act that as high praise indeed. First let me say that I am the preserve of an English teacher who did not pass her National Board. Now that I undergo your sympathy let me further express that I too am a teacher. Emmet. I experience what you went through and what your family was subjected to. I am sure your wife has heard over and over the angles and shortcomings that you conclude caused your not passing the certification. My wife has poured her heart and soul into working on her National Board certification just as I know you did. Having been married to her for 9 years. I know too that she does the same in the classroom in preparing her students for their further studies. While she was working on her certification she was lucky enough to undergo 3 come in certified teachers to analyse her entries. Two of them are assesors. They all read her entries and gave her pointers on what she was lacking and what she needed to do. Not a one of them felt she was anywhere as deficient as the actual assesors believed her to be. After mulling through the reasons why they gave her the scores she got we undergo come to two conclusions. One maybe there wasn't enough documentation. Now having looked at all this myself that would seem to be the part that most easily could be well let's say made up! How easy it would have been for her to ask me. "Honey can you please sit down and create verbally me a few letters stating how much you learned from my lessons or maybe be a parent and tell how much better your son or daughter did the next year in their English categorise due to my teachings. No that didnt happen! The other air was that of literacy lab. She was one of the first teachers in our district to implement literacy lab. She went to many seminars given by Dr. Ken Stamatis and when he came to observe her he let her know that she was doing exactly what was to be done in properly implementing literacy lab. Now if the assesors do not experience about or understand litearcy lab then shame on them and shame on National come in. This program has had shining results and I experience for a fact that so many of her students are now reading and writing above and beyond any level that their previous teachers would undergo ever expected them to attain! For those of you still stuck in the box of traditionalism compel on you and shame on National come in for not realizing that there are teachers out there who are willing to learn new concepts and new methods of motivating students to broaden their horizons. I experience that the handing out of vocabulary terms and analyse questions can be quite envingorating for students not to mention really easy for a teacher that wants to go home at 4 and not have to evaluate of new ways to affect those kids who grew up on TV and video games. Emmet it is obvious with the scope of your lesson submitted to National Board you are one of those motivated non-traditional teachers who are so dearly needed in our classrooms! I applaud you and all the teachers out there who are willing to attempt to make learning enjoyable while teaching your frameworks to fulfill your obligations to your district and state! I had been contemplating my certification also. Now after seeing how you my wife and several others whom I know were not deficient in this process have made me evaluate it may not be worth it. Or at least it may not be the beat thing to tell what I really do in the classroom. Maybe it would be better to furnish them what they want and we would all be happy in our little worlds!! Best of luck on your create!!! Oh let your wife and family experience that there are many others that experience what they are going through and we are thinking of them! We share the hurt! Ha! I considered going for NBC but decided to get a 6 yr degree instead. There were too many rumours about paying money out and not getting the award that I felt there was a tad of cronyism not to my liking. I suppose I was too change state to retirement too. At any evaluate. I don't experience the decision to forgo an NBC. I would consider myself to be a non-traditional teacher who loves to hit the books and who tries to find ways to keep the children interested in learning. Strangely teacher interviewers don't like to hear. " I only be to teach." You should say something desire. " Oh. I think it's important to be a leader in education. You should be heading committees (and brown-nosing every administrator and PTA parent) which surely ordain improve test scores. " Emmit. I urge you to stop this flirtation with NBPTS. When I received the third rejection (each by a fraction of the points I needed) a poor wallpaper hanger who happened to be working in my dining room was the partial recipient of my frustration and fury. I don’t think he ordain be able to ever come approve despite a ridiculously big tip from me. I can’t say I know your whole story but I do have advice for those who haven’t attempted National Boards yet. Don’t sign up as a candidate write up as an assessor. To be an assessor you need just three years of teaching experience. Assess first and see just how the rubric works in action. construe other candidates entries before you try your own. Emmit by being a candidate has removed himself from the possibility of assessing. My belief about the process is that your interest in good writing is irrelevant to success in the National Boards. I believe that the assessors are just highlighting phrases that fit the constructivist mantra of the NBPTS standards book. Creativity is going to be a roadblock for you. I teach in a very poor very segregated urban system. I chose the lay evaluate Generalist assessment which required me to refer a portfolio entry that included writing done by my students. This was the entry that I could never pass. To this day. I believe the assessors did not experience what to make of my bring home the bacon with almost illiterate fourth graders. To own my part in failure. I refused to go drink the hall and recruit some gifted students as my successful colleague did. The clueless assessors did not recognize that the students in her enter and reflection were far from the cognitively disabled students she really taught. I wonder if race had anything to do with this? Did you know that high percentages of African American teachers attempt NBPTS certification but few succeed? Is this tendency to disappoint Black teachers generalized to those of us who are white but teach poor Black children? At any evaluate. I get a door shut in my face anytime I try to question NBPTS about anything.

Forex Groups - Tips on Trading

Related article:
http://blogs.edweek.org/teachers/eduholic/2007/11/lowering_the_board.html ]]> ]]> work will not be rewarded with the cash money I had hoped would make this a special Chrismahannuka. But in a relatively compressed time I’ve moved through a remarkable outpouring of grief affirming emails and professional dialogue that has made this experience in ways that NBPTS never imagined one of the richest in my professional life. I can’t possibly thank everyone who has reminded me that my worth as a teacher is not the sum of a Very Hard Test. But I can and will keep blogging this thing because change surface though I was unable to link my own writing to student achievement to the satisfaction of NBPTS. I am still convinced that putting myself out there and giving other teachers a place to talk is one of the most important things I do as a professional. Bemoaning the lack of feedback is a common refrain amongst us almosts but there is a party line ably presented by a colleague on a listserv who has allowed me to reproduce her responses to my criticism of this aspect of the program. She articulates it with more clarity and compassion than anyone I experience: [Emmet] I find that the "no feedback" policy walks a line I didn't experience existed between Zen and sanctimony. I desire the idea that there are many ways to get it alter but I also would NEVER in my own learn with students furnish a huge year-long assignment or any significant assignment for that be without providing a lot of chances for coaching low-risk practice and improvement. If we claim to be master teachers why are we creating an assessment that flies in the face of what we know about real learning? Maybe we should be honest and say that there are too many tests to evaluate and we couldn't possibly get through them if we had to tell everyone where they gained or lost points. [Nancy] There are three reasons why NB doesn't provide feedback to candidates:#1) It's a professional assessment. When someone doesn't pass a bar exam they don't get feedback they get numbers. It is assumed that the applicant will figure out what needs to be improved as an aspiring professional. When we furnish our students feedback that'saligned with the purpose of teaching. The NB Assessment has a different purpose: identifying not building accomplished teaching. #2) Although most (over 90%) of teachers who go through the affect feel that their teaching has improved as a result it is not a professional development undergo (like NWP). If NBPTS were to give feedback the discovery affect of figuring out what missing--evidence—would be short-circuited. Teachers would be "fixing" what the NB specified needed fixing (i e. hoop-jumping) rather than uncovering what might be missing on their own. And we all know that discovered learning is better than drill-and-spill. #3) The scoring process does not give any product that would tell candidates what was missing or wrong. There are no points or checklists. The bear witness presented is scored holistically. The rubric for scoring is given to candidates in their portfolio materials. Thequestion is the same for every entry: is the evidence provided clear consistent and onvincing proof that the candidate is meeting the standards? A good candidate give schedule will let candidates know--in advance--that they will not be receiving feedback and why. With due consider to Nancy who went to lengths that only a master teacher would in responding to me on list and off for me the argument that Natty Boards is not professional development and therefore shouldn’t give better feedback is specious. It demands the commitment of a graduate program and its advocates affirm that certifying is a transformative experience. What’s more a common piece of encouragement heard by me and other almosts is: Stick with it-- this is a three-year affect. Many do go on their back up or (god bless ‘em) third try. How can a test last three years? Another common consolation I’ve heard is: You’re a great teacher and you foster lots of student achievement. You just didn’t show it in your entry and your evidence. This begs the question of course about what the test measures: my teaching ability or my ability to show them my teaching ability in a certain way. Since getting better at the latter ordain make me sixty grand (and because I’m more stubborn than cause to be perceived) here’s what I intend to do. Go for it. But bass-ackwards. No more worrying about core propositions or standards or (pshaw) good writing. From here on in it’s all about Student Achievement. I will build Entry 4 not based on the professional achievements outside the classroom that are truly the most meaningful to me—building the canoe my association with the writing project publishing this blog-- at least not simply because they are meaningful to me. Instead. I will include accomplishments only based on examples of student achievement that I know can be documented in convincing NBPTS fashion. If I can comfort include my bring home the bacon as a writer great. If instead I undergo to keep a communication log of the hundreds of parent contacts that I make without a second thought during the course of a normal school year so be it. I’ll make the stinking enumerate. It isn’t sexy it isn’t the above-and-beyond that makes me Teacherman. It’s just the job. I desire I’d figured out earlier that lowering my expectations for what this Test-and-not-a-process can be is what it takes to summit. Dear Emmet,This is going to sound crazy but I started crying when my colleague told me that you did not certify. I turned her on to you last year because you were the one interact I allowed myself when I wasn't working on NBC. I LIVED for your blog because as an ELA AYA you were without exception my greatest resource. I LEARNED the meaning of Entries 1 and 2 from reading your analyses of them. I sailed through the assessments because one of the NBCTs who commented on one of your blog entries said that we should relax because we were being scored by teachers who were on our align. This is breaking my heart. I did certify in one year and it is largely a result of the outstanding TEACHING you did in your blog entries. I'm just crestfallen because of this. I'll be so happy next year when you certify. I owe much of my success to you and this blog. Much like and convey you. Re: your comment on choosing "student achievement" over the standards and propositions--student learning is deeply embedded IN those standards which say that everything you do as a teacher in and out of the classroom must be evaluated in the lighten of the student learning that results. Sometimes that learning is measured conventionally--and sometimes the learning is more affective; it's up to you to tell the story. There is no separation between student achievement and the standards. It's not about "bragging your tail off," either. Your success depends on whether there are some cover examples of how kids in your educate undergo benefited from your lessons and your accomplishments. That's all. You can amplify all you want but it doesn't ascertain unless it's backed up by bear witness. And evidence matters. We all know teachers who talk a good game but aren't teaching their kids much at all. You *are* Teacherman. Your writing and your creative projects may well be effecting some important growth in kids. All the standards and assessments do is ask you to provide evidence of that. The fact that you helped other teachers understand the NB contend better is a testament to your ability to "write as a way of knowing." You should take that as high praise indeed. First let me say that I am the husband of an English teacher who did not pass her National Board. Now that I have your sympathy let me advance state that I too am a teacher. Emmet. I know what you went through and what your family was subjected to. I am sure your wife has heard over and over the angles and shortcomings that you feel caused your not passing the certification. My wife has poured her heart and soul into working on her National come in certification just as I know you did. Having been married to her for 9 years. I know too that she does the same in the classroom in preparing her students for their advance studies. While she was working on her certification she was lucky enough to undergo 3 come in certified teachers to analyse her entries. Two of them are assesors. They all read her entries and gave her pointers on what she was lacking and what she needed to do. Not a one of them felt she was anywhere as deficient as the actual assesors believed her to be. After mulling through the reasons why they gave her the scores she got we have come to two conclusions. One maybe there wasn't enough documentation. Now having looked at all this myself that would be to be the part that most easily could be well let's say made up! How easy it would have been for her to ask me. "Honey can you please sit down and write me a few letters stating how much you learned from my lessons or maybe be a parent and tell how much better your son or daughter did the next year in their English class due to my teachings. No that didnt come about! The other issue was that of literacy lab. She was one of the first teachers in our district to implement literacy lab. She went to many seminars given by Dr. Ken Stamatis and when he came to observe her he let her know that she was doing exactly what was to be done in properly implementing literacy lab. Now if the assesors do not know about or understand litearcy lab then shame on them and shame on National Board. This program has had shining results and I know for a fact that so many of her students are now reading and writing above and beyond any aim that their previous teachers would undergo ever expected them to attain! For those of you still stuck in the box of traditionalism compel on you and shame on National Board for not realizing that there are teachers out there who are willing to learn new concepts and new methods of motivating students to broaden their horizons. I know that the handing out of vocabulary terms and review questions can be quite envingorating for students not to mention really easy for a teacher that wants to go home at 4 and not have to think of new ways to stimulate those kids who grew up on TV and video games. Emmet it is obvious with the scope of your lesson submitted to National Board you are one of those motivated non-traditional teachers who are so dearly needed in our classrooms! I gesticulate you and all the teachers out there who are willing to act to make learning enjoyable while teaching your frameworks to fulfill your obligations to your district and state! I had been contemplating my certification also. Now after seeing how you my wife and several others whom I experience were not deficient in this affect have made me think it may not be worth it. Or at least it may not be the beat thing to tell what I really do in the classroom. Maybe it would be better to give them what they want and we would all be happy in our little worlds!! Best of luck on your redo!!! Oh let your wife and family experience that there are many others that experience what they are going through and we are thinking of them! We share the hurt! Ha! I considered going for NBC but decided to get a 6 yr degree instead. There were too many rumours about paying money out and not getting the certificate that I felt there was a tad of cronyism not to my liking. I suppose I was too close to retirement too. At any evaluate. I don't regret the decision to abandon an NBC. I would consider myself to be a non-traditional teacher who loves to hit the books and who tries to find ways to act the children interested in learning. Strangely teacher interviewers don't like to hear. " I only want to teach." You should say something like. " Oh. I think it's important to be a leader in education. You should be heading committees (and brown-nosing every administrator and PTA parent) which surely will alter evaluate scores. " Emmit. I urge you to stop this flirtation with NBPTS. When I received the third rejection (each by a calculate of the points I needed) a poor wallpaper hanger who happened to be working in my dining room was the partial recipient of my frustration and fury. I don’t think he will be able to ever come approve despite a ridiculously big tip from me. I can’t say I experience your whole story but I do have advice for those who haven’t attempted National Boards yet. Don’t write up as a candidate sign up as an assessor. To be an assessor you need just three years of teaching undergo. evaluate first and see just how the rubric works in action. construe other candidates entries before you try your own. Emmit by being a candidate has removed himself from the possibility of assessing. My belief about the process is that your interest in good writing is irrelevant to success in the National Boards. I accept that the assessors are just highlighting phrases that fit the constructivist mantra of the NBPTS standards schedule. Creativity is going to be a roadblock for you. I inform in a very poor very segregated urban system. I chose the Middle Grade Generalist assessment which required me to submit a portfolio entry that included writing done by my students. This was the entry that I could never pass. To this day. I believe the assessors did not know what to make of my work with almost illiterate fourth graders. To own my part in failure. I refused to go drink the hall and register some gifted students as my successful colleague did. The clueless assessors did not recognize that the students in her film and reflection were far from the cognitively disabled students she really taught. I query if race had anything to do with this? Did you experience that high percentages of African American teachers act NBPTS certification but few succeed? Is this tendency to disappoint Black teachers generalized to those of us who are white but inform poor Black children? At any evaluate. I get a door shut in my face anytime I try to question NBPTS about anything.

Forex Groups - Tips on Trading

Related article:
http://blogs.edweek.org/teachers/eduholic/2007/11/lowering_the_board.html ]]> ]]> bath time while madly typing away the pain on the laptop. I’d be lying if I said I was entirely over the news that a year’s worth of work will not be rewarded with the cash money I had hoped would make this a special Chrismahannuka. But in a relatively compressed time I’ve moved through a remarkable outpouring of grief affirming emails and professional dialogue that has made this experience in ways that NBPTS never imagined one of the richest in my professional life. I can’t possibly thank everyone who has reminded me that my worth as a teacher is not the sum of a Very Hard evaluate. But I can and will keep blogging this thing because change surface though I was unable to link my own writing to student achievement to the satisfaction of NBPTS. I am comfort convinced that putting myself out there and giving other teachers a displace to talk is one of the most important things I do as a professional. Bemoaning the lack of feedback is a common refrain amongst us almosts but there is a party lie ably presented by a colleague on a listserv who has allowed me to reprint her responses to my criticism of this aspect of the schedule. She articulates it with more clarity and compassion than anyone I know: [Emmet] I find that the "no feedback" policy walks a line I didn't know existed between Zen and sanctimony. I like the idea that there are many ways to get it right but I also would NEVER in my own practice with students give a huge year-long assignment or any significant assignment for that be without providing a lot of chances for coaching low-risk practice and improvement. If we claim to be master teachers why are we creating an assessment that flies in the approach of what we experience about real learning? Maybe we should be honest and say that there are too many tests to grade and we couldn't possibly get through them if we had to tell everyone where they gained or lost points. [Nancy] There are three reasons why NB doesn't give feedback to candidates:#1) It's a professional assessment. When someone doesn't pass a bar exam they don't get feedback they get numbers. It is assumed that the applicant will figure out what needs to be improved as an aspiring professional. When we furnish our students feedback that'saligned with the purpose of teaching. The NB Assessment has a different intend: identifying not building accomplished teaching. #2) Although most (over 90%) of teachers who go through the process feel that their teaching has improved as a result it is not a professional development experience (like NWP). If NBPTS were to give feedback the discovery process of figuring out what missing--evidence—would be short-circuited. Teachers would be "fixing" what the NB specified needed fixing (i e. hoop-jumping) rather than uncovering what might be missing on their own. And we all experience that discovered learning is better than drill-and-spill. #3) The scoring process does not give any product that would tell candidates what was missing or do by. There are no points or checklists. The bear witness presented is scored holistically. The rubric for scoring is given to candidates in their portfolio materials. Thequestion is the same for every entry: is the bear witness provided clear consistent and onvincing proof that the candidate is meeting the standards? A good candidate give schedule will let candidates know--in advance--that they ordain not be receiving feedback and why. With due respect to Nancy who went to lengths that only a master teacher would in responding to me on list and off for me the argument that Natty Boards is not professional development and therefore shouldn’t give exceed feedback is specious. It demands the commitment of a graduate schedule and its advocates claim that certifying is a transformative experience. What’s more a common piece of encouragement heard by me and other almosts is: Stick with it-- this is a three-year process. Many do pass on their second or (god bless ‘em) third try. How can a test measure three years? Another common consolation I’ve heard is: You’re a great teacher and you foster lots of student achievement. You just didn’t show it in your entry and your evidence. This begs the question of cover about what the test measures: my teaching ability or my ability to show them my teaching ability in a certain way. Since getting better at the latter will make me sixty grand (and because I’m more stubborn than hurt) here’s what I plan to do. Go for it. But bass-ackwards. No more worrying about core out propositions or standards or (pshaw) good writing. From here on in it’s all about Student Achievement. I will rebuild Entry 4 not based on the professional achievements outside the classroom that are truly the most meaningful to me—building the boat my association with the writing project publishing this blog-- at least not simply because they are meaningful to me. Instead. I will include accomplishments only based on examples of student achievement that I experience can be documented in convincing NBPTS fashion. If I can still consider my bring home the bacon as a writer great. If instead I undergo to keep a communication log of the hundreds of parent contacts that I alter without a second thought during the course of a normal school year so be it. I’ll make the stinking enumerate. It isn’t sexy it isn’t the above-and-beyond that makes me Teacherman. It’s just the job. I desire I’d figured out earlier that lowering my expectations for what this Test-and-not-a-process can be is what it takes to summit. Dear Emmet,This is going to sound crazy but I started crying when my colleague told me that you did not bear witness. I turned her on to you last year because you were the one treat I allowed myself when I wasn't working on NBC. I LIVED for your communicate because as an ELA AYA you were without exception my greatest resource. I LEARNED the meaning of Entries 1 and 2 from reading your analyses of them. I sailed through the assessments because one of the NBCTs who commented on one of your blog entries said that we should change state because we were being scored by teachers who were on our side. This is breaking my heart. I did certify in one year and it is largely a result of the outstanding TEACHING you did in your blog entries. I'm just crestfallen because of this. I'll be so happy next year when you certify. I owe much of my success to you and this communicate. Much love and convey you. Re: your comment on choosing "student achievement" over the standards and propositions--student learning is deeply embedded IN those standards which say that everything you do as a teacher in and out of the classroom must be evaluated in the light of the student learning that results. Sometimes that learning is measured conventionally--and sometimes the learning is more affective; it's up to you to tell the story. There is no separation between student achievement and the standards. It's not about "bragging your tail off," either. Your success depends on whether there are some conc