Investment Networks Obstruct Risk Capital

<b>Investment Networks Obstruct Risk Capital</b>“></td>
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<p>(<a href=NewsUSA) – Emerging evidence suggests that the proliferation of thousands of “investment networks” over the past decade has obstructed the flow of risk capital into early-stage enterprise by impeding the deal-flow information that should be openly available to prospective investors.

A Google search for “business angel networks” produces 22 million results, “venture capital advisors” 1 million. A survey of Linkedin, probably the world’s biggest online business community, showed that it has 430 separate networks covering early-stage off-exchange investment, plus thousands of others covering vertical markets, all of which carry investment offerings. These numerous networks have created a hopelessly fragmented market in which fewer than one percent of capital raisings are actually successful. Early-stage companies have accrued more debt because the flow of genuine risk capital, traditionally provided by entrepreneurs, has been cut off.

This results in frustration and unnecessary expense for fund seekers as well as investors. Data from the U.K. and U.S. Treasuries, private equity, wealth management and venture capital sources, that have been collated and researched by Growthwire, a global deal-flow newswire for early-stage investors, show that there are 1 million early-stage companies raising capital worldwide at any one time. On the other side of the equation, there are 10 million wealthy, successful entrepreneurs who want to invest in business start-ups.

These investors want a convenient deal-flow source that they can tailor to their individual needs. They don’t want to find their way around countless networks.

Growthwire, a U.K.-domiciled company now a year into its global roll-out, is making inroads into the North and South American markets. Growthwire has been welcomed by Brian Hill, founder of Fountain Hills, Arizona-based business advisory firm, Profit Dynamics Inc., and the author of the popular book “Attracting Capital From Angels.” Hill believes that this newswire will bring efficiency into the market by allowing networks and individual investors to find and do business with each other.

No other capital market in the world could possibly operate without the plethora of investment, business and finance media that serves it. With Growthwire now introducing some structure to this essential wealth-creating market, life may become easier for early-stage businesses and the entrepreneurs who would invest in them.

For further information, visit www.growthwire.com.

First Time Home Buyers: The Housing Market’s Key Players

<b>First Time Home Buyers: The Housing Market’s Key Players</b>“></td>
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<p>(<a href=NewsUSA) – First-time homebuyers, more than any other demographic, stand to benefit the most in today’s real estate market.

In fact, a recent survey commissioned by Move.com reveals that 23 percent of adults plan to purchase a home in the next five years and that more than half of them (53.5 percent) will be first-time homebuyers.

Consider that every time a renter buys a home, they make possible a chain reaction of transactions worth many times more than the actual value of the home they purchase. Because first-time homebuyers aren’t selling properties, they don’t put new homes on the market when they buy. As a result, first-time homebuyers reduce real estate inventories and allow existing owners to trade-up or relocate.

The growing number of first-time homebuyers suggests that conditions are finally attracting buyers back despite the critical picture in the overall economy.

In the past, high prices and large down payments made buying a home for the first-time difficult. The right mix of attractive listing prices, tax credits, improved financing and a wide choice of properties seems to be attracting the first-time buyer.

For first-time homebuyers looking to be players in today’s real estate market, Move.com offers the following tips:

– Research Your Market. All real estate is localized and the key to a successful purchase is to know the market. In fact, the real estate market is so localized that prices among similar homes vary greatly even between neighboring towns.

– Make a list of what you want. Let your realtor know your criteria in order to find homes that meet your needs. You can go to Realtor.com to view homes that fit your specifications. This will give you an idea of what is possible in your price range and in the location you prefer.

– Get pre-approved. Although not a final loan commitment, a pre-approval letter can be shown to listing brokers when you are bidding on a home. It demonstrates your financial strength and shows that you have the ability to go through with a purchase. Lenders can be found in the finance section of Realtor.com.

– Make a decision. Once you find the best home that fits your needs, take action. Homebuyers often hesitate, and this could mean you miss the best home that meets your needs. If you have chosen a good mortgage broker and a sharp realtor, you should have the facts to make the right decision.

Healthcare Execs Favor Reform Initiatives

<b>Healthcare Execs Favor Reform Initiatives</b>“></td>
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<p>(<a href=NewsUSA) – Hospitals, group practices, nursing facilities, medical device makers and other healthcare companies agree — by a near two-to-one margin, they favor President Barack Obama’s healthcare reform initiatives.

The President hopes to ensure near-universal health coverage, improve quality, lower costs, support technological development and research, and improve preventative care. And most middle-market healthcare companies — those with annual revenues of $25 million to $1 billion — believe that Obama’s plan will be good for business.

According to the research report “U.S. Middle Market Outlook 2009: Resiliency in the Healthcare Sector,” 56 percent of respondents call for reform in general. Released by Forbes Insights and CIT, a leading provider of financing to small businesses and middle market companies, which surveyed more than 100 healthcare executives, the study noted that the executives also supported some of the specifics outlined in Obama’s plan.

Eighty percent of hospital and medical center executives think that the plan’s push for electronic health records would help their businesses while also reducing errors and ensuring privacy. A greater focus on preventative care, like routine screenings and better nutrition, will give healthcare companies regular business.

On the other hand, only 28 percent of executives want to see Medicare and Medicaid reimbursements changed.

Still, the healthcare industry remains positive about its prospects, even in the economic recession.

“Middle market healthcare executives are optimistic about the positive impact that the Obama administration’s plans for healthcare reform will have on their businesses,” said Margaret Au Brown, president and co-head of CIT Healthcare. “While other industries have decreased borrowing activity, we see our middle market healthcare clients continuing to borrow at a steady pace as they prepare for the costs associated with these healthcare reform initiatives.”

The healthcare industry has several reasons to feel hopeful. Unlike many other industries, people cannot opt out of healthcare when they need medical service. Also, the current workforce may allow companies to recruit new talent — healthcare companies are still hiring, with 43 percent planning to expand their workforce in 2009.

For a complimentary copy of “U.S. Middle Market Outlook 2009: Resiliency in the Healthcare Sector,” visit http://middlemarket.cit.com.

Home Inspections: Maintaining The Value of Your Biggest Asset

<b>Home Inspections: Maintaining The Value of Your Biggest Asset</b>“></td>
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<p>(<a href=NewsUSA) – Job insecurity and a falling real estate market have left many homeowners feeling unsettled and wary. But, in having your home annually inspected by a Certified Environmental Home Inspector (CEHI), you can give your home a much-needed advantage in a dismal housing market.

As the green movement becomes more widespread, more homebuyers will see “Healthy Green Living Certification” as an added incentive to buy. These inspections, created by Environmental Service Professionals (ESP), perform:

– Moisture and mold inspections.

– Energy audit inspections

– Volatile organic compounds (VOCs) inspections

– 203-point standard home inspections

– Indoor air quality inspections

CEHIs also cover allergen screening, radon, lead testing and other environmental testing as requested by the homeowner. These inspections can find problems in the home before they necessitate more costly repairs. For example, a mold and moisture inspection can reveal wet or damp areas caused by roof leaks or cracked pipes, a problem that costs insurance companies $3 billion every year.

In addition to retaining property value, ESP is currently working with mortgage lenders to provide interest rate discounts for those homeowners who finance 10 years of annual inspections in their mortgages. To save homeowners even more money, ESP is working with insurance companies to give annual discounts on homeowners’ insurance policies to those who participate in the annual inspection program.

By having their homes inspected, families will be working toward protecting their investment and their health, but ESP is hoping to make a difference in another way. Currently ESP is working to create jobs for our veterans to ensure that U.S. soldiers are able to make a better transition to serve local communities upon their return. ESP is also in the process of hiring disabled veterans as customer service representatives.

For more information, visit www.espusa.net, or for a free phone consultation, call 888-525-CEHI(2344).

Foreclosures Open Up New Market

<b>Foreclosures Open Up New Market</b>“></td>
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<p>(<a href=NewsUSA) – To some, the current real estate market looks dismal. A weak labor market, rising mortgage rates and high energy prices have caused many American homeowners to lose their properties. To others, the real estate markets looks ripe for investment.

Deer Park Development Corporation, a company with over 30 years of experience in the real estate market, has developed a new approach for investors hoping to purchase and resell foreclosed properties for profit. Foreclosed houses sell at lower prices, helping investors buy properties with less money upfront. In the past, housing prices reflected overinflation -; as the market evens out, the mortgage crisis might actually help stabilize home prices.

Marty O’Malley, CEO of Deer Park Development Corporation, noted that the current real estate market represents a once-in-a-lifetime opportunity for the astute buyer. “With one in every 360 homes in foreclosure nationwide, the opportunity to buy distressed property at significant discounts to their original appraisals is extensive,” said O’Malley. “In Clark County, Nev., one in every eighty homes is in foreclosure, and on top of those statistics, one in every two homes is underwater, meaning that it’s not worth the amount of money owed on it.”

With this amount of inventory on the market, there are situations out there that present themselves as profitable ventures. Not all of the foreclosures are money-making deals, but with experience, professional investors know when and what to buy, so they can make successful ventures.

Being an individual investor in the real estate market can be a dangerous proposition for the inexperienced. But investors, in tying themselves to a group of experienced real estate players, can use experts’ hard-earned knowledge to turn a profit in the down real estate market.

“Allowing individual investors to participate in ownership through direct partnership creates a risk-free vehicle for foreclosure players to work with,” said O’Malley,

For additional information, visit Deer Park Development Corporation’s Web site at deerparkdevelopmentcorp.com or contact Capital Group Advisors at 954-297-0706.

Struggling Market? Now Is the Time to Buy

<b>Struggling Market? Now Is the Time to Buy</b>“></td>
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<p>(<a href=NewsUSA) – Maintenance costs are up, home values are falling and states are seeing more foreclosures than sales. But terrible times for homeowners make for terrific investment opportunities.

Why? The market sees constant ups and downs. Buying when the market’s high means greater upfront costs. And because the market cannot rise indefinitely, property investors must constantly watch for the bubble to pop.

In a down market, the question is not “if,” but “when” the market will improve. If investors can buy properties at rock-bottom prices, they can afford to maintain the home until the market improves. At that point, the investor can sell the home both to recoup their buying and operating costs and to make a profit.

Some companies are looking to profit on the down housing market. Deer Park Development Corporation, a Nevada-based company, is purchasing foreclosed homes in Arizona, Nevada, California and Florida, some of the areas most affected by the down market. Nevada, for example, sees more foreclosures than any other state -; million-dollar properties can be bought for half their building costs. Between May and June, Californian banks foreclosed on 40 percent of the homes on the market.

Deer Park Development Corporation’s agents and brokers draw on 35 years of experience -; they have seen down markets before, so they can easily identify promising properties.

When Deer Park Development Corporation finds a home that it wants to acquire as an investment, it works with the homeowner or bank to purchase the home at a 50 percent discount.

But the company does not profit at homeowner’s expense. It negotiates with homeowners so that people can rent their homes after the sale. When the original homeowner’s lease expires, Deer Park Development Corporation allows former homeowners to repurchase their properties for a predetermined price. In this way, the company invests in the down market while also helping down-and-out homeowners.

Currently, the company is searching for investors. For more information, visit deerparkdevelopmentcorp.com.

Working With the Mortgage Crisis

<b>Working With the Mortgage Crisis</b>“></td>
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<p>(<a href=NewsUSA) – For many Americans, good credit isn’t here to stay – rising costs are putting many formerly well-to-do homeowners behind on their mortgage payments.

In April 2008, delinquencies on prime loans, a $12 million dollar market, doubled. And the economy doesn’t look to have an upswing anytime soon. Home prices continue to drop. In July, the unemployment rate reached a four-year high. Homeowners face higher bills but make less money.

Adjustable mortgages, which were appealing when property values were on the increase and interest rates were low, now mire many Americans in financial danger zones. Some borrowers will see their interest and principal payments more than double even as their homes lose value. Many homeowners will not be able to cover their debts even if they sell their homes.

At the same time, banks feel more reluctant to approve or refinance loans. In this environment, default and bankruptcy rates look likely to increase. Between April and July, California alone reported 121,000 notices of default on loans.

Some companies are looking to navigate the down housing market, not only to turn a profit, but also to help homeowners recover their homes. For example, Deer Park Development Corporation, a Nevada-based company, buys foreclosed homes in Arizona, Nevada, California and Florida. With over 35 years of experience in real estate, the corporation’s brokers and agents know how to identify the homes that will turn a profit.

When the company finds a promising home, it works with the homeowner or bank to purchase the home at a 50 percent discount. The company negotiates with homeowners so that people can rent their homes after the sale. When the lease expires, Deer Park Development Corporation allows former homeowners to repurchase their properties at a predetermined price.

Currently, the company is searching for investors looking to profit from the down housing market. For more information, visit deerparkdevelopmentcorp.com.

Staging Your Home for a Quicker Sale

<b>Staging Your Home for a Quicker Sale</b>“></td>
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<p>(<a href=NewsUSA) – Foreclosures and high maintenance costs mean that new homes go up for sale faster than you can say “down market.” And what is great for buyers – more homes to choose from – means that sellers need to distinguish their properties from the rest of the crowd.

Home staging, or temporarily redesigning a home to appeal to buyers, can give homeowners an edge in an overcrowded market. Staged homes look bigger, newer and warmer. They invite buyers to see themselves living in the home.

Staging projects include inexpensive tasks, from rearranging furniture, to renting contemporary living room sets. Here are some tips for staging homes:

– Declutter. When buyers see overcrowded book shelves and wrinkled towels, they focus more on the dingy details than the architecture. But staging means more than a through cleaning – sellers should also remove personal items, like family photographs. Buyers should picture their families living in the home, not yours.

– Make things look new. A little paint can go a long way. Light colors make rooms look larger and brighter, so use them to make your home appear spacious. Wooden floors and cabinetry make big impressions, so make sure that they shine. If any wood looks dry or dirty, apply an orange oil for a quick restoration job. Touch of Oranges Wood Cleaner and Restorer (www.TouchOfOranges.com) hides small scratches and removes build-up, fingerprints and grease from cabinetry, wood floors and fixtures.

Hard water stains on glass shower doors and windows look unattractive, so remove them with a specialized product like CLR, Lime Away or Bring It On Cleaner (www.BringItOnCleaner.com), which uses oxygen bleach to clean minerals from glass and tile. Some hard water stains will often yield to scrubbing with white vinegar and a non-scratch pad. If you find that vinegar is ineffective, a paint scraper or razor blade can be used to remove the bonded stains before resorting to harsher chemicals.

– Add small details. In the kitchen, bowls filled with fresh fruit create an attractive, colorful eyepiece. Place vases filled with fresh flowers in the bedrooms and dining room. Put candles in the bathroom. Small touches make homes feel more inviting.

Profiting in a Down Real Estate Market

<b>Profiting in a Down Real Estate Market</b>“></td>
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<p>(<a href=NewsUSA) – The home real estate market continues to suffer – but that doesn’t mean that money can’t be made.

Analysts say that a weak labor market, rising mortgage rates and increased energy prices have contributed to the current low home sales rate. According to The National Association of Realtors, real estate sales made by homeowners dropped to an annual pace of 4.86 million in June 2008. Rates haven’t been that low since 1998.

Americans aren’t looking to buy new homes – they can’t even afford the houses they have. California alone saw 63,061 foreclosures between April and June – foreclosures amounted to 40 percent of total California homes on the market in May and June.

The number of foreclosures on the market helps drive housing prices down. Banks lose money paying utilities, maintenance expenses and taxes on empty houses, so they sell repossessed houses at bottom-dollar prices. Low prices on foreclosed properties drive down other homes’ values, crippling neighborhood real estate.

But some companies feel that they can both profit from the down market and improve the real estate situation. One business, Deer
Park Development Corporation
(deerparkdevelopmentcorp.com), has focused on Nevada, which sees more foreclosures than any other state. In Las Vegas, one in every 299 houses is threatened by foreclosure. Million-dollar properties can be bought for half their building costs.

Deer Park Development Corporation draws on its 30-year experience in the real estate market to identify the homes that can turn a profit when the housing market improves. The company communicates with a network of brokers and agents with experience in down market sales. When the company identifies a worthwhile property, it works with the homeowner or bank to purchase the home at a 50 percent discount. The company can hold homes for 24 months before making any sales without losing money.

The company also allows former homeowners to rent their properties for a determined amount of time. When the lease expires, Deer Park Development Corporation gives people the chance to repurchase their home for a predetermined price.

Currently, they are searching for investors looking to cash in on the down housing market.
For more information, visit deerparkdevelopmentcorp.com.

Software to Save the Housing Market

<b>Software to Save the Housing Market</b>“></td>
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<p>(<a href=NewsUSA) – Anyone who has recently picked up a newspaper, turned on the news or driven down a residential street knows that the housing market looks dismal. As fuel and energy prices increase, many Americans find themselves unable to pay their debts and mortgages, leading to foreclosures. The market’s flooded, prices are down and people feeling the economic crunch aren’t looking to buy.

To help revive the market, Commonwealth Capital Advisors (CCA), a 10-year-old investment banking advisory firm, developed a patent-pending software called “Financial Architect.” The software can enable real estate professionals to raise substantial amounts of equity capital at a fraction of the standard cost.

The easy-to-use software generates securities-offering documents and investor leads, letting developers, contractors, real estate agents and property management companies raise and manage capital for acquiring properties.

“The goals of REIT Producer, the newest ‘Financial Architect’ module, are simple,” said Timothy Hogan, CCA’s chairman and CEO. “We want to help entrepreneurs involved in the real estate industry significantly lower the costs and increase the speed of raising equity capital. Just as important, we want to provide real estate developers and professional property-management firms with an easy-to-use expert system that will enable them to choose the right deal structure for attracting both equity and debt capital that they need to expand their operations and manage those funds in compliance with federal and state securities laws, rules and regulations.”

Using the software, entrepreneurs can raise capital, acquire properties and conduct 1031exchanges to build a portfolio of holdings for development, fix-up or long-term investment.

“We believe there’s significant and growing demand among entrepreneurs for control over their financing strategies,” says Hogan. “The software components of Financial Architect are designed to meet this ‘do-it-yourself’ approach.”

To learn more, simply read the first two chapters of their complementary e-book entitled “The Secrets of Wall Street,” visit www.CommonwealthCapital.com and enter promotional code 1492.