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Real Estate, mortgage and general economic woes can offer opportunities for home buyers and home sellers

What a better time to think of value in residential real estate than in the present challenging times. Most are still wondering if the projections of a turn around in the current marketplace are just fiction or truthful. Five steps forward and two back, then three forward and three back.

So what is really going to drive value for the buyer to buy again? What does a buyer consider in today’s economic climate for the decision to buy a home? Do they think of a home for their family in terms of how their parents looked at the purchase?  Do they still think a home is the American Dream where investment returns will be offered in the 6-8% in annual growth patterns as in the past?

 

The current climate offers a new sales technique for mortgage and real estate companies in moving property.  The “short sale” market is of value to the investor, but counter productive for future community values.  So, if you want to sell a home in this market, what are your options? The appraiser will always look at recent sales, and there have been several homes foreclosed and resold as short sales in your neighborhood. The bad thing is the family that wants to move across town into a nicer home, but the short sales will affect the value of their home dramatically. Appraisers will look at the most recent sales using the cost approach to determine value. This gives you only one real option to take less for your home, and hopefully buy a short sale across town if any are available. I mean why should we take such a loose; we were always on time with our mortgage and taxes, why are we being so affected by others hard times.

 

So you don’t sell, because you do not want to take such a loss and there are no foreclosures in the area you want to go. What do you do to build value for the future? What do you honestly think will help your home stand out in front of the others? What do you think a buyer is thinking about today? Low utility bills? Are they considering looking into solar or energy savings? Are they curious about green building and green renovation products? Here is an idea. Put ,000 in energy efficient upgrades in your existing home, taking advantage of the tax incentives and rebates. Now, depending on the upgrades you have chosen, the property stands out in this development.  With offering up to 65% lower energy bills alone. A buyer desiring your neighborhood may lean towards your home even if there is a short sale for less. The timing couldn’t be better as most are curious on how to renovate to lower utility bills. Green renovations, can make a difference in real estate values. Using healthy materials and installing more high efficiency systems will  making a difference in quality of life. While economic times are challenging those involved in the energy sector hold promise for growth. Our company, Green Real Estate Education is educating all sectors in the real estate industry to bring these points to those is there markets. Our educational programs are in demand even in these economic times.

Energy Efficient Homes and proper marketing especially if they offer the added benefit of being green certified properties are some of the most sought after residences and gaining strength daily. The entire building industry is changing towards sustainable and green techniques; it’s about time we embrace the new green revolution.

It is our opinion that a home seller should separate their property from the short sales and get green products and systems into their home as soon as possible. Some may not be thinking of selling right now, maybe in the future. But all renovations need to have energy conservation and the concepts of offering healthier indoor air quality in all they do in the future. . To investigate the best and most affordable way is to do a green renovation that will produce future value, is to hire a one of the 5,000 Green Real Estate Education has trained. A GCMP-GL is a Green Certified Mortgage Professional with a Level One Green Leadership Certification and a GCREP-GL is a Green Certified Real Estate Professional with a Green Leadership Certification. These professionals will offer options many do not even realize exist. Preparing your home for your future and the future of others will be a key to a successful sale. As a buyer, using these professionals will bring you additional information for becoming more aware of what your investment can bring in the future. This can and will support value while separating your home from others.

Ms. Kerry Mitchell established Green Real Estate Education in early 2006, with over 14 years in real estate, in the past as a Maryland Real Estate Professional Broker, and a Licensed Real Estate Broker in the state of Florida. Green Real Estate Education offers the fastest growing “green certification” program in the United States for the real estate industry. Close to 5,000 in the US already have our certifications For under 0, the students get a LOGO TO USE, a manual ,certification and currently in many states and their national affiliations, continuing education credits.
Green Real Estate Education is green “training the chain” of professionals in real estate transactions to bring information to home buyers and home sellers on resources to help in achieving economical energy savings and financing these types of renovations in their home and business environments. They define the “green” certification processes and offer valuable marketing essentials on how NOT to misrepresent this industry.

Article from articlesbase.com

Panelists: Steve Mital- Director, UO Office of Sustainability Dr. Greg Bothun- Professor, Department of Physics Joshua Skov- Principal, Good Company Dr. Ryan Herzog- Adjunct Instructor of Finance, Lundquist College of Business and the Department of Economics Marcus Widenor- Instructor, UO Labor Education and Research Center (LERC) Roger Ebbage- Director of the Northwest Energy Education Institute (NWEEI), Lane Community College The panelists share their perspectives on this topic through the lens of their respective professional expertise and academic research. Answering many questions from students hoping to see a future in Green Collar jobs.Community Conversations is an academic program that is one of the Living Learning Initiatives of University Housing in partnership with the Clark Honors College, the Oregon Humanities Center, and Undergraduate Studies. The goal of Community Conversations is to stimulate intellectual curiosity, critical thinking, contrarian debate, and articulate discourse among the 3300+ residential students at the University of Oregon.
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Davos Open Forum 2010 – Climate Change: Financing Urgent Adaptation

www.weforum.org 29.01.2010 The immediate and most critical consequences of climate change affect countries which have contributed least to global warming. Developing countries need up to 200 billion euros yearly to fight drought, lack of water, floods and deforestation limitation, and to introduce friendly energy sources. Therefore, immediate financial help from developed countries is of vital importance to such countries. How should adaptation measures be financed in fast-developing nations and developing countries to protect the climate? Which financing instruments are effective? How can international solutions coordinate climate change? What were the results of the UN Climate Conference in Copenhagen? What are the costs of inactivity? What would a more radical questioning of our growth and prosperity mean? This session is co-organized with the Federation of Swiss Protestant Churches (SEK-FEPS). Haruhiko Kuroda, President, Asian Development Bank, Manila Judith Rodin, President, Rockefeller Foundation, USA Barbara Stocking, Chief Executive, Oxfam GB, United Kingdom Matthew Wale, Minister of Education and Human Resources Development of the Solomon Islands Moderated by Romaine Jean, Journalist, Swiss Television TSR, Switzerland

How does religion and ecology intersect in regards to Aztec human sacrifice?

Question by Jose B: How does religion and ecology intersect in regards to Aztec human sacrifice?
in other words how does human sacrifice support religious authority and vise versa?

Best answer:

Answer by Fireball
those relig no longer exist THANK GOD…

THE TRINITY IS THE TRUTH..

Give your answer to this question below!

Insurance Policy Helps Businesses Stay Green



Warren, NJ (Vocus) December 9, 2008

If your business was green before a loss, it will be green after a loss. That’s the message behind a new endorsement to the commercial property insurance policies from the Chubb Group of Insurance Companies.

“For years, Chubb has been a leader in insurance protection for green buildings through its commercial property insurance policies,” said Peter Thompson, vice president, Chubb & Son, and worldwide energy manager for Chubb Commercial Insurance. “However, some of our customers didn’t realize that as their businesses increasingly take steps to protect the environment, their Chubb commercial property insurance policy would automatically protect their ‘green’ investments if there was a loss. Our new endorsement highlights this important product feature.”

Since 1994, Chubb’s commercial property insurance policies have insured green features on a replacement-cost basis. These features include vegetative roofs, solar panels, geothermal systems, wind turbines, groundwater collection systems and Energy StarTM equipment. The policies also provide:

Business income and extra expense insurance, which can help companies with green properties quickly restore their operations after a loss. For example, an insured business can be reimbursed for the extra expense it incurred to purchase power from a public utility until its alternative power-generating equipment is repaired or replaced.
Reimbursement for the costs of hiring an accredited design and reconstruction professional, registration and certification fees, diverting recyclable debris after a loss to recycling facilities rather than landfills, and other green services.
A period of restoration that recognizes that it may take longer to rebuild a green building to its pre-loss condition than a typical office building and, therefore, take longer to restore business activity and revenues.
Thompson added that the technology behind developing green building standards is changing rapidly, and that government intervention worldwide is helping to accelerate the green building market. The market value of new green building construction this year is more than $ 12 billion and is expected to be $ 60 billion by 2010, according to McGraw-Hill Construction Greening of Corporate America SmartMarket Report.

For more than 20 years, Chubb has been insuring renewable energy producers and distributors, including wind turbines, ethanol and biodiesel plants, solar energy systems, hydroelectric power generators and other renewable energy operations. Chubb loss control and underwriting specialists have completed Leadership in Energy and Environmental Design (LEED) professional accreditation to help identify, develop and advance the loss control programs for green buildings and other property.

The member insurers of the Chubb Group of Insurance Companies form a multi-billion dollar organization providing property and casualty insurance for personal and commercial customers worldwide through 8,500 independent agents and brokers. Chubb’s global network includes branches and affiliates in North America, Europe, Latin America, Asia and Australia.

Chubb Group of Insurance Companies

15 Mountain View Road

P.O. Box 1615

Warren, New Jodi Dorman

(908) 903-2608

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KONICA MINOLTA Named to “Global Innovation 1000” List by Booz Allen Hamilton




Ramsey, NJ (Vocus) February 6, 2007

KONICA MINOLTA BUSINESS SOLUTIONS U.S.A., INC. (KONICA MINOLTA) announced today that its parent company, Konica Minolta Holdings, Inc., has been recognized as a “High-Leverage Innovator” in the Winter 2006 issue of Strategy+Business magazine, published by Booz Allen Hamilton. The report, entitled “Smart Spenders: The Global Innovation 1000,” highlights a select group of the world’s 1,000 largest corporate research and development (R&D) spenders. Of the 1,000 companies named in the study, a group of 94 “high-leverage innovators” were identified as companies that consistently reap the greatest financial reward from every dollar invested in R&D. KONICA MINOLTA is the only company in the Multifunctional Digital Imaging industry to be recognized as one of the 94 “high leverage innovators.”

Booz Allen Hamilton measures high-leverage innovators on key performance indicators including sales growth, operating income growth, total shareholder returns, and market capitalization over a five-year period. The innovator companies performed significantly better than their competitors over a sustained period while spending less on R&D than industry rivals. Innovators had a common focus on building multifunctional, company-wide capabilities to create sustainable competitive advantage and profitability over time.

“KONICA MINOLTA makes a concerted effort to efficiently allocate R&D resources, and we now have independent verification that this international strategy pays off,” said Bill Brewster, Vice President, Marketing, KONICA MINOLTA BUSINESS SOLUTIONS U.S.A, INC. “To be singled out as an innovative company by Strategy+Business, published by the prestigious consulting firm of Booz Allen Hamilton, is indeed an honor for every division of KONICA MINOLTA, and a powerful validation of the effectiveness of our R&D spending strategy. It’s not surprising that in a relatively short period of time, we captured the top market share position in color laser copiers in the United States and a solid top-three position in the production print marketplace.”*

KONICA MINOLTA’s award-winning bizhubTM and bizhub PROTM lines of color and black & white multifunctional devices (print, copy, scan and fax all in one machine) are industry leaders, with many innovations resulting from patented KONICA MINOLTA imaging and microelectronics technology that deliver real value to customers.

About KONICA MINOLTA BUSINESS SOLUTIONS U.S.A., INC.

KONICA MINOLTA BUSINESS SOLUTIONS U.S.A., INC., offers a broad range of multifunctional digital imaging solutions inspired by its bizhub brand of powerful solutions that serve as the central resource for document scanning, in-house printing, copying, faxing and electronic archiving and distribution. From high-quality color and monochrome bizhub systems for workgroups and small offices, to advanced high-volume bizhub PRO production printing systems for large corporations and print-for-pay services, KONICA MINOLTA is leading the industry toward integrated, networked hardware/software solutions that are more simple, reliable, and cost-effective. Complementing its bizhub solutions, KONICA MINOLTA also offers desktop laser printers, microform digital imaging systems, wide-format printers and scanning systems for specialized applications.

Headquartered in Ramsey, New Jersey, KONICA MINOLTA delivers expert professional services and experienced, responsive client support, in addition to the world-class service provided through its extensive network of direct sales offices, authorized dealers, resellers and distribution partners in the United States, Canada, Mexico, Central America and South America. For more information, please visit KONICA MINOLTA at www.kmbs.konicaminolta.us .

KONICA MINOLTA Corporate Contact:

James Norberto

KONICA MINOLTA BUSINESS SOLUTIONS U.S.A., INC.

+1 201-825-4000    

jnorberto kmbs.konicaminolta.us

KONICA MINOLTA Media Contact:

Rachel Reed

Lois Paul and Partners

+1 781.782.5785

Rachel_reed lpp.com


Top U.S. market share position in 2005 refers to unit shipments for color laser digital copiers according to IDC’s “Market Analysis: U.S. Copier 2006-2010 Forecast and Analysis”. Copiers include single-function digital copiers and copier-based MFPs; it does not include printer-based MFPs. KONICA MINOLTA and The essentials of imaging are trademarks of KONICA MINOLTA HOLDINGS, INC. bizhub and bizhub PRO are trademarks of KONICA MINOLTA BUSINESS TECHNOLOGIES, INC. All other trademarks mentioned in this document are the property of their respective owners.

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Find More Sustainable Development Strategies For Central America Press Releases

What is exponential growth? Give two examples of exponential growth.?

Question by Henry: What is exponential growth? Give two examples of exponential growth.?
Also, if anyone could be as kind as to help me answer any or all of the following other questions:

3. Distinguish among environment, ecology, environmental science, and environmentalism.

4. Distinguish between solar capital and natural capital (natural resources).

5. What is an environmentally sustainable society? Distinguish between living on the earth’s natural capital and living on the renewable biological income provided by this capital. How is this related to the sustainability of (a) the earth’s life-support system and (b) your lifestyle?

6. How rapidly is the world’s population growing? How many people does this growth add each year?

7. Distinguish between economic growth, gross domestic product, and economic development. Distinguish between developed countries and developing countries and give four characteristics of each category.

8. List five pieces of good news and five pieces of bad news about economic development.

9. What are perpetual resources and renewable resources? Give an example of each.

10. What are sustainable yield and environmental degradation? Give five examples of environmental degradation.

11. Define and give three examples of common-property resources. What is the tragedy of the commons? Give three examples of this tragedy on a global scale. List two ways to deal with the tragedy of the commons.

12. What is the ecological footprint per person? What useful information does it give us about the use of renewable resources?

13. What is a nonrenewable resource? Draw a full production and depletion curve for a nonrenewable resource and distinguish between a physically depleted resource and an economically depleted resource.

14. Distinguish between reuse and recycling, and give an example of each.

15. What is pollution? Distinguish between point sources and nonpoint sources of pollution. List three types of harm caused by pollution.

16. Distinguish between pollution prevention (input pollution control) and pollution cleanup (output pollution control). What are three problems with relying primarily on pollution cleanup? Why is pollution prevention better than pollution control?

17. According to environmentalists, what are five basic causes of the environmental problems we face?

18. List five ways in which poverty is related to environmental quality, peoples’ quality of life, and premature deaths of poor people. Why does it make sense for a poor family to have a large number of children?

19. What is affluenza and what are its harmful environmental effects? Are you infected with the affluenza virus?

20. How can affluence help improve environmental quality?

21. Describe a simple model of relationships between population size, resource consumption per person, and technology, and overall environmental impact. How do these factors differ in developed and developing countries?

22. From an environmental standpoint, are things getting better or worse?

23. What is an environmental worldview? Distinguish between the planetary management, stewardship, and environmental wisdom environmental worldviews. Which one comes closest to your own environmental worldview?

24. List the five major environmental risks in terms of the estimated number of premature deaths per year.

25. What is environmentally sustainable economic development? How does it differ from traditional economic growth and economic development?

If you know of a website(s) where the answers are up, please post it because that would help a lot too. Or if you know of any website(s) that can HELP me answer these questions please post it. Unfortunately, my AP Environmental Science teacher has not given out books for the new school year and I don’t have any other way of answering the questions. Thank you for your time.

Best answer:

Answer by Asst Prof
I picked an easy one, #14: To reuse something is to use it again. An old, worn-out tire might still be usable on a trailer, but the rubber from which it’s made can be recycled to make something else. An used piece of paper can be reused if it’s only been written on one side, but if it’s shredded up and broken down, the materials can be recycled to make new paper.

Know better? Leave your own answer in the comments!

Undertand The Emergence Of Developing Nations And How They Have Changed The Dynamics Foreign Exchange Markets

Recent developments in the intrinsic value of the currencies are quite interesting and significantly different from our previous experiences. Recent economic crisis has resulted in a movement to risk that appreciated the value of the American dollar against other currencies. This process has started to reverse as trade flows recuperates and Gross domestic product improves in most parts of the world. But a jobless recovery in America, with economic improvement around the world generated mainly by developing nations had resulted in drastic variations in the values of the currency. Regions that have natural resources and raw materials have done well from the rise of China, the increasing consumption from both China and India.

In comparison with period of March – June 2009 with June- July 2010, the Kiwi and the Aussi have appreciated respectively 32% and 30% versus the European currency. Farming and natural resources – predominatly minerals account for 37.6% and 4.6% of export from Australia. China is Australia’s biggest export market at 42.5 billion in 2009.

Other currencies experimenting large gains are the Canadian Dollar, the Colombian Peso, the Brazilian Real and the South African Rand. The Canadians are known for having the 2nd biggest reserves of oil and gas in the world – 179 billion of barrels, and is the number 1 exporter of crude to America (satisfying 22% of the US demand) and the safer, least volatile maker among the other top producers (Mexico, Saudi Arabia and Venezuela). Canada not only has energy but also provides the grain and fertilizer to feed the increasingly wealthy population of the emerging markets – Needs that increase faster than the population / GDP growth as a wealthy consumer shifts from grains to meat . The Canadian dollar has appreciated 21% versus the Euro in the mentioned period.

Oil and natural reserves have also helped Brazil. Lately they found an oil reserve that is considered the largest after the Kazakhstan find in 2000. It is estimated at 2-5 billion barrels.  In addition to energy, Brazil has increased the productivity and profitability of its farms; lands did not have any agricultural potential 30 years before (El Cerrado) has been changed into giant farms because of the de-acidification of the soil, genetic engineering of Soya and improved ways of production. They are giving the developed nations a real run for their money and even winning some of the battles. Farm production value has increased from 23 billion reais to 108 billion reais (365%) between 1996 and 2006, its exports of beef have multiplied by 10.  The Brazil Reais has appreciated 29% versus the Euro in the mentioned period.

Looking  for professional  currency trading tools on the internet? At Forexbud.com you will find   forex trading system which will give you and opportunity to achieve successful trading decisions.

Article from articlesbase.com

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Is Human Ecology a difficult class?

Question by blj1986: Is Human Ecology a difficult class?
I need to add one more science class and was wondering was Human Ecology a easy or difficult class? or should I just take biology (which I ABSOLUTELY hate)

Best answer:

Answer by Partty Boy
No its fun

Add your own answer in the comments!

research internships in economics? or related fields?

Question by totallylost: research internships in economics? or related fields?
I’m looking for summer research programs or schools in economics or related fields.
economics, econometrics, public policy, international policy, development…etc
is there an efficient way to look for them besides google???!!
Both undergraduate and graduate are welcome
any recommendation??

Best answer:

Answer by Vins
scholarships.onlinewebshop.net – I found such internship info here. It has lots of internships, job openings and scolarships for college students.

Give your answer to this question below!

World Business: The Bright Green Car Machine 08/01/10

World Business: The huge corporate and political presence at the Copenhagen Conference proved one thing beyond all doubt. Green business is big business and the car industry knows that better than anyone. If they want to stay on the road to success they have to be sustainable. And one of the worlds leading auto making countries, Germany, is taking the development of green cars very seriously. Reporter: Heather Scott
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