#Subdivision and Housing Developers Association Inc.

[kawaiiprincessme]

SHDA elects new set of officers, takes oath before DHSUD Chief Acuzar

The Subdivision and Housing Developers Association (SHDA), Inc. proudly announces its 2024 leadership board, signaling a commitment to transform the Philippine housing sector. The new board, including officers, governors, and advisers, was sworn in by Sec. Jose Rizalino “Jerry” L. Acuzar of the Department of Human Settlements and Urban Development on January 25, 2024. Here are the key…

[biglisbonnews]

Philippine Housing Industry and Key Government Leaders to Headline 31st National Developers Convention in Cebu City The Subdivision and Housing Developers Association, Inc. (SHDA) will gather key government leaders, creatives, and industry leaders in the housing and real estate sector as they host the 31st edition of the National Developers Convention on October 5 and 6, 2023 at the Radisson Blu Hotel in Cebu City. With the theme, “LOKAL NA BAI: [...]The post Philippine Housing Industry and Key Government Leaders to Headline 31st National Developers Convention in Cebu City appeared first on Orange Magazine. https://orangemagazine.ph/2023/ph-housing-industry-and-key-government-leaders-to-headline-31st-national-developers-convention-in-cebu-city/?utm_source=rss&utm_medium=rss&utm_campaign=ph-housing-industry-and-key-government-leaders-to-headline-31st-national-developers-convention-in-cebu-city

[hakesbros]

Las Cruces Actual Property Discover Homes & Homes For Sale In Las Cruces, Nm

Homes are ranked by price with ties broken by worth per sq. foot. Country dwelling within the city with sundown Organ Mountain views! This well-preserved & reworked ranch-style home sits on a big lot with pure grass and sprinkler system in addition to a giant patio and enormous backyard going through the Organ Mountains. This generous-sized home comes with two dwelling rooms, 3 bedrooms and two full loos. There are so many stunning upgrades like refrigerated air, tile all through the house with large bedrooms, spacious walk-in closets, new double-paned home windows and fresh exterior paint as nicely as a wood-burning hearth. Since we began constructing new homes in Las Cruces, our focus has been on top quality architecture, development, and options as seen via the eyes of our clients, not our competitors.

You can update your MHVillage Account Information at any time. When you register or interact with an MHVillage website, your provide data such as your name, tackle, email tackle, zip code, phone numbers, and different data. You can also present details about your house should you list it for sale or request a valuation. Once you register with MHVillage and check in to its companies, you aren't nameless. MHVillage collects your personal data when you register on certainly one of its websites, when you use MHVillage services or products, or whenever you go to the websites owned by MHVillage or the pages of certain MHVillage companions.

Are you seeking to connect with an experienced actual property agent close to you to get maximum value in your home? What separates A New Beginning Custom Homes from other builders is our three-stage build-to-suit new homes las cruces. Our distinctive method to home building begins with and focuses on you. Each homebuyer has their particular person tastes, ideas, budget, and life-style.

Thinking about selling your own home, curious what your home is worth? Realty.com provides immediate home valuation estimates, offering you with a view of what to anticipate when listing your house with a Realty.com agent. Need to promote quick or get an prompt offer in your home?

This program is run separately by Doña Ana County. Through a partnership with New Mexico Legal Aid , eligible tenants facing eviction for nonpayment may receive free authorized representation during their eviction process. These services are for renters who're in a formal eviction proceeding and where the landlord/tenant mediation program is not an possibility. Do you prefer to work with somebody who's dedicated and invested in representing you? We have over 4,500 certified and skilled actual estate and mortgage specialists in all 50 states hand-selected to serve American heroes such as you. A home is considered one of the largest funding selections you can make and our native specialists understand how necessary their function is in making it occur for you.

MHVillage might mix details about you that it has gathered with information that it might get hold of from business companions or different sources. This policy covers how MHVillage, Inc. treats private information that MHVillage collects and receives, together with information associated to your past use of MHVillage services. Personal information is information about you and is specific to you want your name, tackle, e-mail handle, cellphone number, web site activities, and so home builders in las cruces forth, however is not otherwise publicly obtainable. You have reached this page because you are attempting to access our web site from an space where MHVillage doesn't present products or services. Stacker believes in making the world’s information extra accessible via storytelling. To that finish, most Stacker tales are freely obtainable to republish beneath a Creative Commons License, and we encourage you to share our tales together with your viewers.

Las Cruces has 2 new home subdivisions, with 12 ground plans designs. Most of 2-4 exterior elevation types to fit your particular style. You can even discover 20 move-in ready new homes in Las Cruces and 20 underneath building new homes. The New Mexico Home Fund started with funding from the Federal Government in the course homes for sale in las cruces new mexico of the COVID-19 pandemic. It’s now a approach to connect owners and renters to different assets to help them pay payments and stay housed during tough times. The NM Home Fund involves a number of state companies, native government divisions, and nonprofit organizations.

In the meantime, you can share your contact information with us and we’ll reach out to you if assistance is available sooner or later. To date, the New Mexico Home Fund has provided $213 million through nearly ninety five,000 individual awards to New Mexico households across new homes for sale in las cruces nm all 33 New Mexico counties. The program also can assist homeowners achieve housing price affordability through a potential decrease in the amount owed on a mortgage or other steps to prevent foreclosures.

"It's a very family-oriented, community-oriented neighborhood. It's very heat and welcoming... we're going to be here for a really long time." Knowing what to look for throughout your new home search may help you store confidently. Watch now to see the building science that places Meritage homes ahead of the pack. Skip the hassle of listing, months of displaying and juggling double mortgages. We’ve partnered with Opendoor to make it simple to sell your house.

As a home builder in Las Cruces, we convey you homes made of excessive quality supplies, beautiful interior features, and smart floor plans. Our builders understand the wants of today’s owners, which is why all of our floor plans homes for sale las cruces one thing for everybody. With over 20+ years of combined real estate expertise, the Z Real Estate team may help you purchase or promote a home or property within the Las Cruces area fast and effectively.

[conanaltatis]

Lamudi's Philippine Real Estate Conference 2019: Uncovering new real estate sales strategies

Lamudi’s Philippine Real Estate Conference 2019: Uncovering new real estate sales strategies

Bhavna Suresh, David Rafael, Beth Ventura, Ricardo Lagdameo, Raphael Felix

Lamudi successfully held The Outlook Real Estate Conference 2019 at the Isabela Ballroom of Makati Shangri-La in Makati City, Metro Manila, Philippines on October 17, 2019. The event brought together industry thought leaders from all over the Philippines to talk about the hot topics in the country’s real estate sector.

The…

[atlanticcanada]

Ont. engineering firm giving $20K to each employee for down payment on first home

An Ontario engineering firm has adopted a unique way to attract and retain talent: by offering all of their employees $20,000 for a down payment on their first home.

In late June, C.F. Crozier & Associates Inc. announced the launch of their First-Time Home Buyers' Assistance Program in an effort to help employees afford to buy a home in an overheated real estate market.

“We developed the program in direct response to some of the struggles that our current employees are having in becoming a homeowner in Ontario, where we have four offices. It was really designed to meet their evolving needs in this overheated housing market and to help make homeownership a reality for them,” Nick Mocan, Crozier’s president, told CTVNews.ca by phone Thursday.

The program works in conjunction with the federal government’s Home Buyers’ Plan, which allows eligible Canadians to withdraw from their registered retirement savings plans (RRSPs) to buy or build a qualifying home.

All full-time employees at Crozier are eligible to apply for the $20,000 down payment – as long as they have worked there for more than a year – which is deposited into their RRSP account once they have been approved. Under the federal rules, the prospective homeowners then have to wait 90 days before making the withdrawal from their RRSP to use their down payment.

“The overwhelming reason why our employees can’t get into the housing market is because of the down payment and the stricter rules on the down payments that are currently in place,” Mocan explained, noting that employees were increasingly forced to look for homes well outside urban areas near the company’s offices – adding to their commutes and stress.

“It was met with surprise, appreciation and emotion. This isn’t something that anybody expected to happen at our little company… It really has changed some of their lives for the better.”

Overall, Mocan says the company simply wants to help remove one of the barriers that stood in the way of their employee’s housing search – such as rising housing prices that saw the national average jump 38 per cent in May 2021 from the same time last year, according to the Canadian Real Estate Association (CREA).

The national average home price is forecast to rise by 19 per cent on an annual basis to just over $677,775 in 2021, the CREA said in its most recent quarterly forecast.

In the Simcoe County region of Ontario, which includes the town of Collingwood where the Crozier headquarters is located, housing prices increased by 40 per cent year over year in May 2021. Prices that would have kept Crozier employee Ian Blechta out of the market.

“I’d been renting in Collingwood and since working at Crozier I knew it was where I wanted to live [permanently]. But I knew it was pretty hard to get a house with house prices rising fast,” the 30-year-old engineer in training told CTVNews.ca by phone Thursday.

“I tried pretty hard to get pre-approved for a house in a subdivision just outside of Collingwood and the bank wouldn’t give us pre-approval unless we could prove we had 20 per cent down… if it wasn’t for Crozier I don’t know that we would have been able to do that.”

Blechta and his girlfriend have since successfully purchased a pre-construction home thanks to the First-Time Home Buyers' Assistance Program.

“It’s a great way for the company to show that they care about their employees outside of just work,” he said. “I always had a long-term outlook to stay at Crozier, but I felt like that was good proof that they care about the success of their employees outside of work.”

The company, which develops residential and commercial land, is hoping its homebuyers’ incentive will attract talent for the 34 job openings at its locations in Collingwood, Milton, Bradford, and Toronto. But Mocan says the program was designed to help foster current employees first and foremost.

“Our first and foremost responsibility is really towards our current staff. Seeing that we help them grow not only professionally with their career but personally at home,” he said.

“A side benefit has been recruitment, no doubt about it. We have absolutely seen an uptick in more successful recruiting though.”​

from CTV News - Atlantic https://ift.tt/36kSA35

[takeoffphilippines]

Lamudi brings together the biggest lineup of developers with exclusive deals at Online Housing Fair

Lamudi’s survey of property seekers in the first quarter of 2020 revealed that 91% of respondents want financial help from property developers, with 46% looking for discounts, 31% for promos, and 23% interested in a smaller down payment. Responding to this need from the market, the leading real estate partner brings its housing fair online this May with not just the biggest lineup of developers, but also special deals and exclusive property discounts.

For the real estate industry, the first quarter of 2020 saw some of the hardest struggles, with the Taal volcano eruption happening in January, growing concerns about the novel coronavirus in February, and the subsequent announcement of the enhanced community quarantine (ECQ) midway through March.

Surveyed property seekers last year mentioned they were keeping their property buying timeframe open, with 34% considering a property purchase a year after the start of the pandemic. Monitoring property demand on Lamudi across all price points, most price segments experienced year-on-year dips in pageviews on Lamudi in 1Q2020. Demand one year later in 1Q2021 points to recovery across all prices, with high-end properties proving most resilient during a time when cash is king, while the affordable segment showed the dream of homeownership is alive amid a health crisis.

High-end properties for sale lead recovery in the residential market

The luxury market, the only segment that posted positive year-on-year growth in pageviews in 1Q2020, saw a 33.7% average growth in pageviews year-on-year in 1Q2021. Leads for the luxury segment were particularly strong in 1Q2020 compared to 1Q2019, with houses priced over 20M posting a 222% growth. This grew by an additional 18% in 1Q2021.

As the country faced unprecedented challenges which highlighted the importance of cash, those with more purchasing power took the opportunity to consider investing in real estate--a financial move advised by investors during times of crisis.

Laborers showed strong desire to own a home amid the pandemic

Even outside the luxury segment, the importance of owning a home proved strong amid the pandemic. For affordable houses for sale, properties priced less than 450K saw a 46% growth in pageviews in 1Q2021 compared to 1Q2020, posting the highest recovery rate in the affordable segment. Property seekers realized the importance of owning a home when mobility restrictions were put in place. The proximity of one’s home to essential establishments and place of employment greatly affected their mobility, comfort, and capacity to work at such a critical time.

 Houses in this price range were also the second most inquired property in 1Q2020 compared to 1Q2019 at 128% growth in leads, which continued to grow by 38% in 1Q2021.

Pandemic property demand calls for safe property search at home

The interest across all price segments fueled Lamudi’s decision to bring its much-anticipated housing fair online this May. As property buyers revive their confidence in investing in real estate, the free event will help them get the best value for their money through special deals and exclusive offers from featured developers. Since 2016, Lamudi has been organizing housing fairs in various cities across the country, bringing real estate seekers closer to their dream properties. Previous housing fairs were held in shopping malls, including SM Mall of Asia, Trinoma, SM City Cebu, and Glorietta--a setup that would not be ideal in the new normal.

 Seeing the demand for homeownership bounce back in 2021, Lamudi has decided to host the first and biggest online housing fair in the Philippines through a digital platform showcasing exclusive offers from property developers such as RLC Residences, AboitizLand, Federal Land, Shang Properties, Prime Homes, Solar Resources, PH1 World Developers, ACM Homes, DMCI, and PIK, as well as the real estate brokerage PropertyPro.

Sponsored by Nook, Kamada, and the Subdivision and Housing Developers Association, Inc. (SHDA), the Online Housing Fair will officially open on May 3 and last until May 31, 2021. The event’s official media partners are BusinessWorld and Mindanao Times.

The online housing fair will feature the Pag-IBIG Fund to talk about affordable housing loan programs, and Atty. Siegfrid S. Suarez, the Legal and Compliance Officer of Lamudi Philippines, to answer land title transfer concerns. Renelyn Tan-Castillejos, a Certified KonMari Consultant and the founder of World of Yorokobi, will teach attendees how to tidy and organize their homes. Clean All PH and Happy Helpers will also give valuable advice on how to deep clean and sanitize the home in the new normal, and SoFA will be sharing home interior design tips. Learn to start your own garden at home with tips from ZassyGreen - All About Plants.

A first in the history of Lamudi, the online housing fair marks a significant milestone for the company. CEO Kenneth Stern said, “For the past years, Lamudi’s housing fairs have been held in malls all over the country. Our team has been working hard to address the limitations to property buying brought on by the pandemic, which is what led to us deciding to bring the housing fair online.”

Visit the Lamudi online housing fair through this link.

–

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[chitrakullkarni]

Roofing Chemicals Market Revenue Drivers, Vendor Landscape & Raw Material Study, 2025

The global Roofing Chemicals Market research report provides complete insights on industry scope, trends, regional estimates, key application, competitive landscape and financial performance of prominent players. It also offers ready data-driven answers to several industry-level questions. This study enables numerous opportunities for the market players to invest in research and development.

Market Overview:

The global Roofing Chemicals Market is estimated to touch US$ 146.3 billion by the completion of the prediction period. The Roofing Chemicals industry was appreciated by US$ 75.5 billion in the year 2016. The great demand for effectual waterproofing, weather conditions resilient & extremely flexible roofing resolutions in new-fangled structures along with in the renewal of long-standing structures is expected to increase the development of the market above the period of prediction. The roofing chemicals market is expected to develop at a CAGR of 7.7%.

Key Players:

BASF SE

The Dow Chemical Company

I. du Pont de Nemours and Company (DuPont)

Saint-Gobain S.A.

GAF Materials Corporation

CertainTeed Corporation

Braas Monier Building Group

IcopalApS

North American Roofing Services, Inc.

Request free sample to get a complete analysis of top-performing companies @ https://www.millioninsights.com/industry-reports/roofing-chemicals-market/request-sample

Growth Drivers:

Growing infrastructural expansion actions for example the erection of IT centers & SEZs and the renewal of airports have headed to an increasing demand for well-organized roofing arrangements. The obtainability of industrialists and their capacity to propose numerous products associated to the market are expected to perform a fundamental part in the development of the market.

Type  Outlook:

Acrylic resin

Asphalt/ Bituminous

Elastomer

Epoxy resin

Styrene

Asphalt/Bituminous reel roofing or else sheath is a roofing material normally utilized for constructions. The material is centered around similar materials utilized in asphalt powders. The asphalt/bituminous is the maximum far and wide utilized category of roofing chemical. Asphalt takes a confirmed path record of presentation, by means of widespread select in top-surfacing, better-quality touch, abridged perpetual distortion, decent lining, prolonged existence belongings and abridged blushing. Little crack creation, suppleness and inexpensive price are the foremost features of asphalt roofing that pushes the demand for asphalt.

Application Outlook:

Membrane roofing

Elastomeric roofing

Bituminous roofing

Metal roofing

Plastic (PVC) roofing

Regional Outlook:

By the source of geography, Asia Pacific was the most important provincial subdivision and responsible for nearby 37% share of the entire income in the year 2016.The growing demand for infrastructural growth in this province due to the enormous necessity for housing and commercial structures is expected to boost the market above the period of prediction. By means of construction costs, the maximum development is expected to be positioned in the developing markets of Asia Pacific together with China, tracked by India and Indonesia.

Asia Pacific is anticipated to be the speedily developing provincial subdivision above the period of prediction. It is tracked by North America. Many insignificant provincial markets, together with those in India and Indonesia are likely to observe healthy development due to the growing demand for re-roofing in country side zones, this is reinforced by government supported systems. Asia Pacific is expected to be an important provincial subdivision above the following eight years, recording an expected CAGR of nearby 8.1%.

Browse Related Category Research Reports @ https://industryanalysisandnews.wordpress.com/

[fifthbuddha]

Introducing... Dave Ward, this land thief is deathly afraid of his father. As a seer I saw him with the white hood and beating his son, we'll talk about #Laperouse and the spiritual warfare, KKK later. Henry Spencer, another land thief are all the ones responsible for the years of destruction and desecration of my sacred ealing sanctuary, Royal burial sites and HEIAU. They not only are on expired land deeds, they also stole our Hawaiian language to disguise their Sprecklesville Home Owners Association they changed into 'E PAEPAE KA PUKOA ASSOCIATION INC.' The address is listed for them is 1057 Kapukaulau Place, Paia, Hawai'i 96779. Although the Kaunoa Senior Center is their County Office where they have their board meetings, recently charged me for trespassing and had me arrested while on public property... on land that I'm the Trustee for under Kingdom Of Hawai'i. They also stole my ID, credit cards, cash and Akahi Nui's ID's & debit card. Luckily, a righteous M.P.D. who shall be rewarded and blessed, took it and let me know it was available to pick up thinking it was Akahi Nui's backpack because it had the Royal Proclamation and Power Of Attorney with his signature on it. So luckily it was kept safe at the Maui Police Department, while I was a Prisoner Of War, with double diplomatic immunity and corrupt State Of Hawai'i knew it. Dave is the co-manager of F&W Land LLC which is located in Wailuku and specializes in real estate development and providing clients with professional real estate consulting and project management services. The firm has numerous projects ranging in scope from residential, commercial, and agricultural subdivisions to processing commercial building permits. Dave is a graduate of the University of North Carolina Kenan Flagler Business School and also serves as President of the Hawaiian Canoe Club. Dave’s passion for Na Hale O Maui is spawned by the tremendous need for housing in Maui County due to the lack of supply of housing that is driving up rental and ownership prices resulting in significant negative effects in our community. Dave is a founding member and donor of Na Hale 0 Maui. Located at 190 N. Church St in Wailuku. (at Prince Buddha International) https://www.instagram.com/p/CBfWI-AMbb6/?igshid=gezkjpikhsia

[kawaiiprincessme]

SHDA unveils plan for a Sustainable Housing Industry in the Philippines

The Subdivision and Housing Developers Association, Inc. (SHDA) envisions the next decade to be a transformative period where housing becomes a flourishing sector and a driver of economic growth and a catalyst for social intervention.   SHDA’s housing industry roadmap centers around four crucial pillars: firstly, ensuring access to land for settlements and streamlining the permitting process;…

[creativespacedesigns]

Lamudi Inks Partnership With SHDA https://ift.tt/2XQpCoQ

Lamudi, the number one real estate platform in the Philippines, has entered into an exclusive partnership with the Subdivision and Housing Developers Association, Inc. (SHDA), the major and leading organization of housing and real estate developers in the Philippines, to take part in each party’s initiatives for the real estate industry. Under the agreement, Lamudi […]

The post Lamudi Inks Partnership With SHDA appeared first on Lamudi.

[hakesbros]

40 Leebarry Lane, Las Cruces, Nm, 88012

Taking pride in its wealthy historical past, town has developed into a thriving economic and cultural hub in the past years. Forbes didn’t name Las Cruces as top-of-the-line Small Metro Area for Business and Careers for nothing. With a flourishing job market and main employers in numerous industries, the town promises a bunch of alternatives with a secure revenue.

The data relating to real property for sale on this website online comes in half from the IDX Program of the Greater El Paso Association of REALTORS®. Real property listings held by brokerage corporations other than Zillow, Inc are marked with the IDX emblem or the IDX thumbnail emblem and detailed information about them includes the name of the listing brokers. With a lot house, you will have plenty of room for your single-family site-built home, manufactured home, duplex, store, or interest farm. Look at this uncommon nearly new building duplex featuring each items.

There are 613 active homes for sale in East Mesa, Las Cruces, NM. Some of the most popular neighborhoods near East Mesa, Las Cruces, NM are North Hills, West Valley, Valley Creek North, Kohlberg, High Range. The Trails at Metro options superbly designed open, versatile plans for a variety of existence. Our brilliant, open-concept homes are surrounded by a wide selection of facilities that embrace world-class golf, neighborhood parks, and inspiring views.

There are at present 3 subdivisions with 30 new homes for sale in Las Cruces. These new build homes start at simply $245,500 and have as much as 1,720 sq. feet of space so yow will discover a brand new home to match your scenario. New development homes for sale in Las Cruces, NM have a median listing home worth of $273,000. four Beds 2.5 Baths - Townhouse, Las Cruces, New Mexico Las Cruces Dona Ana New Mexico four... Socorro rd el paso tx usa beautiful newly constructed duplex for lease in...

The decent public and private faculties operate within the area. Old World Charm abides on this Duplex situated in the Alameda-Depot Historic District,... This Duplex offers 1 unit with 2Bed, 1Bath, Hardwood flooring, Custom Hickory Cabinets, and... There are currently 25 RVs listed for sale near Las Cruces, New Mexico on RVUSA.com.

Las Cruces is located within the picturesque Mesilla Valley, between the majestic Organ Mountains and the mighty Rio Grande river. As the second-largest city in New Mexico, Las Cruces serves as the financial and geographic hub of the southern half of the state. Home to New Mexico State University, White Sands National Monument, and an enthralling downtown district, the town is wealthy in tradition, history, and adventure.

Please enter a legitimate location or select an merchandise from the list. Zillow Group is committed to making sure digital accessibility for individuals with disabilities. We are constantly working to enhance the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. If you wish to report a difficulty or seek an lodging, pleaselet us know.

Nestled among the serene pecan farmland of the north valley, Rancho del Gallo is a community of single-family homes on large ranch-style homesites. Choose from a wide selection of ½-acre homesites and broaden your horizons at Rancho del Gallo. In true Las Cruces type, the newest phase of Parkhill Estates is warm and friendly, providing a carefree home surroundings with a captivating neighborhood park. This group offers quick access to eating places, colleges, employment, and a wide selection of outdoor recreational alternatives.

You can view our full record of home builders in Las Cruces, NM here. Hakes Brothers has been constructing new homes in Las Cruces for over 15 years and has established its popularity as a premier home builder with local roots. Our staff is dedicated to constructing lovely new homes in sought-after areas, incorporating revolutionary designs and distinctive features that showcase a real attention to element. With a give attention to each craftsmanship and value, our distinctive new homes for sale in Las Cruces, NM, present the amenities of a custom-built home at a fraction of the worth. Live along the sting of the Chihuahuan Desert within the warm city of Las Cruces, New Mexico. This desert oasis provides the proper backdrop for a new home.

[ourmrmel]

Mel Feller MPA, MHR, Discusses Investing in Condos in Texas

Mel Feller MPA, MHR, Discusses Investing in Condos in Texas

 Mel is the President/Founder of Mel Feller Seminars with Coaching for Success 360, Inc. and Mel Feller Coaching. Mel Feller Ministries. Mel Feller is an Innovator and Business Leader. Visit www.melfeller.com and www.melfellersuccessstories.com Mel Feller currently maintains an office in Texas. Currently an MBA Candidate.

 While I love investing in many types of real estate, for me, different asset classes have different exit strategies. As a rule, I am not a holder of condos as long term investments but will, from time to time, buy them for resale. My concern with holding condos or town homes as long term investments is the potential for an HOA or condo association to hold too much control over my investment. I am sure there are many very successful condo investors out there so this is not an attack. The asset class just is not my first investment choice.

 If you want to invest in condos and town homes the key is to recognize some of the potential risks and consider your options in advance. This way you can mitigate surprises before purchasing the unit.

 Many people believe owning a condo or town home is easier than owning a single family home because you don’t have to worry about yard maintenance, roof repairs, etc. Compared to buying a single-family house there are definite differences with condos. When purchasing a condo you are not only buying your unit. You are also buying an ownership interest in the common areas of the condominium project such as the lobby, grounds, building exterior, etc. With common ownership comes risk and responsibility.

  The following information does not cover everything you need to know, but it is a good start.

  Insurance

  It is usually a good idea to get a copy of the certificate of insurance, which is a summary of the condo association’s policy. First, see if the replacement costs covered by the policy are an accurate reflection of the cost of rebuilding. You will want to make sure that the policy has a building-ordinance clause, which means that the insurance will cover the cost of bringing the building up to code if there is any rebuilding to be done.

   This is usually more costly in terms of premium but is much better than not being financially prepared for major repairs (especially when code related upgrades are required). On older buildings, there may have been many building code upgrades since the time of construction. As an example, over the years Florida’s hurricanes have wreaked havoc and many condo investors have suffered significant losses due to extended vacancies while waiting until their association and insurance carriers arranged for and completed repairs.

  Finally, make sure that you understand exactly what the association policy covers and what you are responsible for. Typically property and liability insurance does not cover the interior of your unit, but rather the exterior of the building and common areas. You may need to buy your own insurance to protect your interior space and your tenant will need a renter’s policy to insure their belongings.

  The HOA

  Look at the minutes of the condo association board meetings to see what the owners have been griping about. If everyone was complaining about the faulty electrical, plumbing or the landscaper’s absence, you know that the complex is having management difficulties. Even if there are not any complaints, reading the minutes will reveal the sorts of projects that are under way at the complex; projects the seller may have neglected to mention. HOA fees pay for expenses such as maintenance of the common areas, insurance (property and liability), non-sub-metered utilities, if any (such as water for irrigation and pools or electricity for exterior lighting and gates), repair reserves and more.

       Management

  I am cautious of a condo complex whose owners manage the place themselves. Although many are operated efficiently, self-management can lead to more hassles for owners; especially non-occupant owners. If the condo development is professionally managed, check out the management company as thoroughly as you check out the association. Ask other owners. Ask people in nearby buildings. And be sure to interview the day-to-day manager directly. If you get saddled with a bad property manager, you can be sure of this: Your dream condo investment just might keep you up at night.

 Fees

  Be sure to ask what is included in the HOA fees and find out the delinquency rates of present owners. A portion of your HOA fees should be designated toward reserves and you should find out how much is allocated to reserves. You should also review the balance to confirm it is sufficient to cover things like roof repair and replacement, mechanical systems, façades, and other large capital improvements.

  If people are not paying their association fees on time, it could be a sign of owner discontent or an indication that the association might be underfunded. Either way…it is a red flag. If reserves are insufficient to pay for large expenses or capital improvements (or if reserves have already been designated for another planned expense), the HOA will assess an additional fee on the condo owners. This is called a “special assessment.” The seller should be able to tell you if any special assessments are planned, but do not rely solely on this information.

 A sk to see all board minutes within the previous 12 months and ask to talk with the HOA treasurer. Find out if there either is any pending litigation by the HOA or against the HOA as these can often result in a special assessment for legal fees or damages. It is also a good practice to compare the association fees to those of similar nearby complexes. Are they too high or suspiciously low? Keep in mind that complexes with pools, gyms and other amenities may have higher maintenance and  liability insurance costs.

  High-rise condominium towers typically have more complex mechanical systems such as elevators and HVAC systems that usually require extra reserves and maintenance fees. On the other hand, low-rise and single story developments may have extensive grounds that require landscaping and repaving. You might also ask to see two to three years of HOA fee history so that you can see how they are trending. Have they gone up significantly? Will they continue to go up? These are all good questions to ask of the seller or of the HOA treasurer. If the seller is a bank, you will not learn much so talking with the HOA Treasurer is a must!

 Reserves

  If the fees are low in comparison to nearby complexes, ask why? In newer condo and townhouse projects, builders sometimes charge lower fees to entice buyers. Yet, once the units are sold and the property is turned over to the HOA, the fees increase significantly in order to cover the costs of maintenance and reserves. Ask if the community has done a reserve-fund review in the past five years.

  According to Lester Giese, the author of The 99 Best Residential & Recreational Communities in America, he recommends the following formula: If the complex is one to 10 years old, the reserve fund should have 10% of the cost of replaceable items (roofs, roads, tennis courts, etc.). Between 10 and 20 years old, the repair fund should be at 25% to 30%. At 20 years, that amount should be 50% or above. Residents who brag that they do not pay much in maintenance may be in a complex that either is not being kept up well or is living

   Liens

 One thing to be careful of is that the HOA may place liens on units for non-payment of fees and seek a deficiency judgment against any of the unit owners for non-payment. You could be on the hook for the seller’s delinquency. A title report should disclose any liens placed on the unit you are buying. Do not assume, however, that the condo association will put a lien on all outstanding fees, and that it will therefore appear in the title report. You must get a guarantee from the seller that all fees are paid as agreed as well as an estoppel letter from the HOA. A good title company or closing attorney can help you with this but be sure to make the request.

  Condo docs

   State governments require condo developers to file a declaration with the local county, which describes the condominium project, establishes a homeowners association and either refers to or includes the bylaws. The bylaws govern how the association should be run, such as the number of meetings per year, required votes, and the election of directors and officers. The declaration may contain covenants, conditions and restrictions (CC&R’s) which are rules specifying how condo owners may use their property and the common areas. These rules are binding on all purchasers. Once the developer hands the project over to the HOA, additional rules can be added through voting (according to the bylaws established).

 CC&R’s and condo regulations limit the rights of property owners, but with the intention of retaining and improving the value of the property in the subdivision or project. Possible restrictions could be pets, holiday decorations and home businesses.

 You should be sure to get a copy of the declaration, the bylaws (if not included) and all rules and regulations established by the condo association to make sure you are aware of any restrictions that will conflict with your intended use of the unit.

  A good friend failed to do this before his purchase and then learned that the association had to approve all new tenants, his investment unit sat vacant for over a year and a half because their requirements were so strict. He eventually lost the place because he could no longer afford to make payments on a vacant condo.

 Renting, Resale & Financing

 Should you make sure not only you are aware of and willing to accept the restrictions imposed by an HOA, you need to ensure that the rules are sufficient to maintain your investment objective and resale value of the unit? If the tenant population is over 10%, there should be clear rental policies, either listed in the bylaws or appended as an amendment. Will the management company find tenants for you? Are you allowed to find your own? If the management company does it, do they get enough good tenants? You might want to ask other tenants or owners about their experience. In addition, ask to see the association’s lease, and have a real estate attorney review it to protect you.

  An important thing to consider is that an association can change its bylaws to prohibit or restrict renting at any time. The more owners who rent, the less chance that will happen. More importantly on resale, a lender may consider all units in a condominium project that allows too many rental units to be investment property. For example, if the complexes rules allow 30% or more units to be rented (even if they aren’t actually rented) lenders could deny potential buyers a home loan for an owner occupant and will instead offer an investment property loan that may require a lower loan-to-value ratio and a higher interest rate. If a rental restriction is not in place, or if there is room for the HOA to adjust the level of rentals, your ability to sell the unit later could also be impaired.

  Caveat Emptor

 Buying a condo or town home may seem easy compared to buying a single family house. However, in many ways, it carries a higher level of risk and requires more due diligence on the part of the purchaser. Just as you might when purchasing a single-family house, a home inspection by a reputable and knowledgeable in inspector is recommended. For owner occupants  and tenants condominiums and town homes offer many benefits such as on-site amenities, low maintenance and convenience. Condominium and town home living often provides a desirable lifestyle for many given their tendency to be located in pedestrian-friendly neighborhoods or other urban environments. These benefits however, do not always translate to an ideal investment. It is always up to the investor to perform their due diligence, examine all documents at closing.

       Mel Feller, MPA, MHR, is a well-known real estate, business consultant, personal development

Consultant and speaker, specializing in performance, productivity, and profits. Mel is the President/Founder of Mel Feller Seminars with Coaching For Success 360, Inc. and Mel Feller Coaching, a real estate and business specific coaching company and Mel Feller Ministries. His three books for real estate professionals are systems on how to become an exceptional sales performer. His four books in Business and Government Grants are ways to leverage and increase your business Success in both time and money! His book on Personal Development “Lies that Will Sabotage Your Success”. Mel Feller is in Texas. Visit www.melfeller.com and www.melfellersuccessstories.com  

[profbruce]

Tiny Homes Torpedoed

As expected, NIMBY (not in my backyard), BANANAS (Build Absolutely Nothing Anywhere Near Anything or Anyone) and CAVE (citizens against virtually everything) people are torpedoing tiny home subdivisions as this AP article by Scott McFetridge makes abundantly clear. 

Tiny houses are trendy - unless they go up next door 

The Associated Press Published November 14, 2017 

DES MOINES, Iowa — As he tows a 96-square-foot house around Des Moines, Joe Stevens is overwhelmed by the intense, sometimes tearful support he receives from churches, schools and service groups for his plan to use the trendy little structures to help homeless people.

But when Stevens actually tried to create a village of the homes in Iowa’s largest city, the response was far different.

“We got shot down,” said Stevens, who leads a group that proposed erecting 50 tiny homes on a 5-acre industrial site north of downtown Des Moines. “It was a sense of fear, uncertainty and doubt, a kneejerk situation.”

Tiny homes have been promoted as the solution to all kinds of housing needs — shelter for the homeless, an affordable option for expensive big cities and simplicity for people who want to declutter their lives. But the same popularity that inspired at least six national TV shows about the homes often fails to translate into acceptance when developers try to build them next door.

In at least a dozen cases across the nation, neighbours organized to stop tiny house projects, including in Charlotte, North Carolina; Nashville, Tennessee; San Jose, California; Tulsa, Oklahoma; Tallahassee, Florida; and Bend, Oregon. Sometimes the efforts moved ahead despite objections, but in many cases, the communities were blocked.

[Read more at, http://ottawacitizen.com/pmn/news-pmn/tiny-houses-are-trendy-unless-they-go-up-next-door/wcm/6f7e0840-6e37-4c65-a147-2a6a1bd5cbe8]

Unless cities, towns and villages can somehow find political and social unity thereby engendering a willingness to experiment with new urban forms, our communities will never live up to their potential to be inclusive places where not only everyone is welcome, but they also become much more energetic engines of creativity, learning and growth..

Prof Bruce

Bruce M Firestone, B Eng (civil), M Eng-Sci, PhD, Ottawa Senators founder, Real Estate Investment and Business coach, Century 21 Explorer Realty Inc broker, 1-613-762-8884 bruce.firestone@century21.ca twitter.com/ProfBruce profbruce.tumblr.com/archive brucemfirestone.com

MAKING IMPOSSIBLE POSSIBLE

[marketanalysisdata]

Medical Device Testing Services Market - Overview, Trends, Key Drivers and Growth Forecasts Till 2025

9th June 2021 – The global Medical Device Testing Services Market is estimated to stretch to US$ 13.4 billion by the year 2025. Growing expenditure in preclinical stage of medical devices, combined with increasing percentage of subcontracting is expected to benefit the market, in achieving important grip. The Medical Device Testing Services industry is expected to develop by the CAGR of 11.5% for the duration of the prediction.

Gushing demand for in-vitro test is moreover expected to trigger the demand for testing services such as a lot of CROs are evolving innovative in-vitro procedures to substitute outdated in-vivo systems, which have need of animal testing. Developments in processes for improvement and regularization of innovative in vitro test procedures, mainly for irritation, sensitization and cytotoxicity are too functioning in support of the market. The Medical Device Testing Services market on the source of Type of Phase could span Clinical, Preclinical. With reference to type of phase, the subdivision of preclinical testing detained the biggest stake of the market in 2016. The subdivision will carry on to take over the market during the course of the prediction, responsible for around two third of the general profits through 2025.

Access Medical Device Testing Services Market Report with TOC @ https://www.millioninsights.com/industry-reports/medical-device-testing-services-market

The Medical Device Testing Services industry on the source of Type of Service could span Certification Services, Testing Services Inspection Services, Environment Services, Asset Integrity Management Services, Technical Assistance & Training Services, Auditing Services, Quality-Safety-Health Services, Project Management Services, Consulting Services. Additional services are Antimicrobial Activity Testing, Pyrogen & Endotoxin testing, Microbiology & Sterility Testing, Biocompatibility Tests, Sterility Test & Validation, Bioburden Determination, Chemistry Test.

The subdivision of “chemistry test” is expected to display the speedy development for the duration of the prediction. The Medical Device Testing Services market on the source of Type of Technology could span Vascular Medical Device, Ophthalmic Medical Device, Non-Active Medical Device, Active Implant Medical Device, Orthopedic and Dental Medical Device, In-Vitro Diagnostic Medical Device, Active medical Device. Likewise, additional Medical Device Technologies are Medical Devices Utilizing Animal Origin, Mobile Devices, Medical Device with Ancillary Medicinal Substances.

The Medical Device Testing Services industry on the source of Type of Sourcing could span Outsourced, In-house. The Medical Device Testing Services market on the source of Area with respect to Trades in terms of intake, Profits, Market stake, and Development percentage of Medical Device Testing Services could span North America [U.S., Canada], Latin America [Brazil, Mexico], Europe [France, Germany], Asia Pacific [India, Japan, China], and Middle East & Africa [South Africa]. By the source of geography, Asia Pacific is estimated to take over the medical device testing services industry for the duration of the prediction. The provincial market will mark a CAGR of above 12.0% for the duration of the similar period. The areas of North America and Europe seized notable increasing stake in 2016 due to well recognized industrial substructure for high end and composite medical procedures.

In North America, the U.S. is the most important country in the field of medical devices by means of alertness between the customers regarding the care and safety of medical devices. The central government recognized, medical devices adaptable organizations, for example FDA. The statement revises Trades in terms of intake of Medical Device Testing Services in the market; particularly in North America, Europe, Asia Pacific, Latin America and Middle East and Africa. It concentrates on the topmost companies operating in these regions.

Some of the important companies operating in the Medical Device Testing Services on the basis are Medical Device Testing Services, Charles River Laboratories International Inc., NORTH AMERICAN SCIENCE ASSOCIATES INC., Wuxi AppTec, Eurofins Scientific, LLC, Toxikon, Inc., American Preclinical Services, Sterigenics International LLC, Pace Analytical Services, Intertek Group plc., and SGS SA. Additional notable companies operating in the field are Envigo, Avomeen Analytical Services, TÜV SÜD, Intertek, SGS, Medistri, DEKRA, and Bureau Veritas.

Request a Sample Copy of Medical Device Testing Services Market Report @ https://www.millioninsights.com/industry-reports/medical-device-testing-services-market/request-sample

[latestmarketresearchtrends-blog]

Medical Device Testing Services Market Analysis by Application 2025

9th June 2021 – The global Medical Device Testing Services Market is estimated to stretch to US$ 13.4 billion by the year 2025. Growing expenditure in preclinical stage of medical devices, combined with increasing percentage of subcontracting is expected to benefit the market, in achieving important grip. The Medical Device Testing Services industry is expected to develop by the CAGR of 11.5% for the duration of the prediction.

Gushing demand for in-vitro test is moreover expected to trigger the demand for testing services such as a lot of CROs are evolving innovative in-vitro procedures to substitute outdated in-vivo systems, which have need of animal testing. Developments in processes for improvement and regularization of innovative in vitro test procedures, mainly for irritation, sensitization and cytotoxicity are too functioning in support of the market. The Medical Device Testing Services market on the source of Type of Phase could span Clinical, Preclinical. With reference to type of phase, the subdivision of preclinical testing detained the biggest stake of the market in 2016. The subdivision will carry on to take over the market during the course of the prediction, responsible for around two third of the general profits through 2025.

Access Medical Device Testing Services Market Report with TOC @ https://www.millioninsights.com/industry-reports/medical-device-testing-services-market

The Medical Device Testing Services industry on the source of Type of Service could span Certification Services, Testing Services Inspection Services, Environment Services, Asset Integrity Management Services, Technical Assistance & Training Services, Auditing Services, Quality-Safety-Health Services, Project Management Services, Consulting Services. Additional services are Antimicrobial Activity Testing, Pyrogen & Endotoxin testing, Microbiology & Sterility Testing, Biocompatibility Tests, Sterility Test & Validation, Bioburden Determination, Chemistry Test.

The subdivision of “chemistry test” is expected to display the speedy development for the duration of the prediction. The Medical Device Testing Services market on the source of Type of Technology could span Vascular Medical Device, Ophthalmic Medical Device, Non-Active Medical Device, Active Implant Medical Device, Orthopedic and Dental Medical Device, In-Vitro Diagnostic Medical Device, Active medical Device. Likewise, additional Medical Device Technologies are Medical Devices Utilizing Animal Origin, Mobile Devices, Medical Device with Ancillary Medicinal Substances.

The Medical Device Testing Services industry on the source of Type of Sourcing could span Outsourced, In-house. The Medical Device Testing Services market on the source of Area with respect to Trades in terms of intake, Profits, Market stake, and Development percentage of Medical Device Testing Services could span North America [U.S., Canada], Latin America [Brazil, Mexico], Europe [France, Germany], Asia Pacific [India, Japan, China], and Middle East & Africa [South Africa]. By the source of geography, Asia Pacific is estimated to take over the medical device testing services industry for the duration of the prediction. The provincial market will mark a CAGR of above 12.0% for the duration of the similar period. The areas of North America and Europe seized notable increasing stake in 2016 due to well recognized industrial substructure for high end and composite medical procedures.

In North America, the U.S. is the most important country in the field of medical devices by means of alertness between the customers regarding the care and safety of medical devices. The central government recognized, medical devices adaptable organizations, for example FDA. The statement revises Trades in terms of intake of Medical Device Testing Services in the market; particularly in North America, Europe, Asia Pacific, Latin America and Middle East and Africa. It concentrates on the topmost companies operating in these regions.

Some of the important companies operating in the Medical Device Testing Services on the basis are Medical Device Testing Services, Charles River Laboratories International Inc., NORTH AMERICAN SCIENCE ASSOCIATES INC., Wuxi AppTec, Eurofins Scientific, LLC, Toxikon, Inc., American Preclinical Services, Sterigenics International LLC, Pace Analytical Services, Intertek Group plc., and SGS SA. Additional notable companies operating in the field are Envigo, Avomeen Analytical Services, TÜV SÜD, Intertek, SGS, Medistri, DEKRA, and Bureau Veritas.

Request a Sample Copy of Medical Device Testing Services Market Report @ https://www.millioninsights.com/industry-reports/medical-device-testing-services-market/request-sample

[phgq]

Property market still normal amid Covid-19

#PHnews: Property market still normal amid Covid-19

MANILA – The country’s property market has been stable so far for the past months amid the  spread of coronavirus disease 2019 (Covid-19).

During Lamudi’s The Outlook 2020: Roundtable Series in Makati City Wednesday, Federal Land, Inc. Executive Vice President Catherine Ko said the company does not feel any harsh impact of Covid-19 to its business.

Ko said buyers might hold off purchasing the property with the uncertainties brought by the virus outbreak, but not to the point of abandoning their plans to invest.

This was also echoed by PHINMA Property Holdings Corp. chief executive officer Raphael Felix, saying the company’s performance in the first two months of the year and the first week of March was better than expected.

“If this escalates so bad, people don’t work, you can’t contact sellers, there’s nobody manning computers, there’s no trippings being made, then I see it slowing down. But other than that, I don’t see the market slowing down,” said Felix, who is also the chairman of Subdivision and Housing Developers Association (SHDA).

Although manufacturers in China are back in their operations and can supply the construction demands, both developers feared the local transmission of Covid-19 may affect the local workers.

“In terms of supply of raw materials for our buildings, we are still good at this moment,” Ko said. “What we are watching out is this disease spreading locally because it might affect our construction workers. And then, when we don’t have workers constructing our buildings then, we will be delayed.”

Felix added banning of shipments from China will be a concern for the developers, aside from the threat of Covid-19 affecting the construction workers.

There are now 33 Covid-19 cases in the Philippines.

Meanwhile, Colliers International Philippines Senior Manager for Research Joey Bondoc said one of the major concerns in the property market amid the coronavirus outbreak is the travel ban from China.

Bondoc said this means Chinese involved in Philippine offshore gaming operator (POGO) activities here cannot enter the country.

Before the Covid-19, POGO activities were propelling the real estate market, driving demands in both office and residential markets. (PNA)

  ***

References:

* Philippine News Agency. "Property market still normal amid Covid-19." Philippine News Agency. https://www.pna.gov.ph/articles/1096231 (accessed March 12, 2020 at 12:45AM UTC+14).

* Philippine News Agency. "Property market still normal amid Covid-19." Archive Today. https://archive.ph/?run=1&url=https://www.pna.gov.ph/articles/1096231 (archived).