12/16/09

7.1 theater system



7.1 theater system

After having had this system for a week, I am now utterly impressed with it. Once you get all the speakers calibrated, replace all the speaker wire with some 14 gage, and get your room setup properly you'll find this system blows you away too.

Strait out of the box you will not be impressed. But that will be the case with any sound system. They need to be properly setup.

I HIGHLY suggest replacing the wire with METRA Ltd S14-100 MTA 14 Gauge Clear Speaker Wire. It really does make a world of difference. I was thinking the speakers were not as clear as I would have liked, until I installed the new wire. Now everything is extra crisp and clear.

After doing tons of research, Onkyo was the only one I could find that consistently got great reviews. I can see why!

Onkyo HT-SR800 7.1 Home Theater Entertainment System

Product Features

  • 110 Watts per Channel Minimum into 8 Ohms, 2 Channels Driven, FTC
  • 2 HDMI Inputs and 1 Output (1080p Pass-thru)
  • HDTV-Capable (50 MHz) Component Video Switching (3 Inputs/1 Output)
  • Audyssey 2EQ/HTIB Technology to Correct Room Acoustic Problems and to Calibrate Speakers
  • Built-in 230 W Amplifier Subwoofer

Technical Details

  • Brand Name: Onkyo
  • Model: HTSR800
  • Output Channel Quantity: 7.1
  • Output Wattage: 110
  • Component Type: Home theater system
  • Audio Output Mode: Surround Sound
  • Surround Sound Effects: Neural Surround, Theater-Dimensional Virtual Surround
  • DVD Type: None
  • Built In Decoder: Dolby Pro Logic IIx, Dolby Digital Surround EX, DTS Neo:6, DTS-ES Matrix 6.1, DTS-ES Discrete 6.1, DTS 96/24, Dolby Digital, DTS decoder
  • Remote Control Description: Universal remote control
  • Weight: 22.5 pounds
  • Optical Digital Input: Yes
  • Optical Digital Output: Unknown
  • Coaxial Digital Input: Yes
  • Audio Input: Microphone
  • Coaxial Digital Output: Unknown
  • Headphones Jack: Yes
  • Tuner Technology: Digital
  • Radio Bands Supported: AM/FM

From the Manufacturer

Neatly Covering All A/V Formats, Precisely Tailored for Your Home When it comes to all-in-one home theater, the HT-SR800 has made a clean break from the pack. You're looking at packaged home theater that neatly integrates your high-definition entertainment and your HDTV through an HDMI channel that transports video with a resolution all the way up to 1080p. Ably supported by component video switching, the HT-SR800 will handle most of the A/V components or formats currently available, as well as the spectacular quality of high-definition discs. Also, reinforcing the convenience of matched components, this package is the first to use an Audyssey room-correction technology specifically designed for integrated systems. The options - XM® Radio (including 5.1 surround sound radio with Neural Surround decoding) and iPod® integration-can really extend your reach, making the HT-SR800 one of the more complete home theater packages available.

Sirius Ready
SIRIUS brings access to over 130 digital-quality channels, including 69 channels of 100% commercial-free music, plus exclusive channels of sports, news, talk, entertainment, traffic, weather and data. This model has a SIRIUS jack on its rear that connects to an optional SIRIUSConnect home tuner kit. This kit includes everything you need for easy home installation, including the SIRIUSConnect receiver, indoor/outdoor antenna with 21-foot cable, and an AC power adaptor. SIRIUS has three powerful satellites situated directly above the U.S., enabling coast-to-coast coverage with high elevation angles. With a "clear line of sight" to your home, your signal is unimpeded by buildings, trees or objects that might block conventional satellite signals.

XM Ready
XM has introduced exciting new products called the XM Mini-Tuner and Home Dock (both sold seperately) which replaces the Connect-and-Play antenna. The XM Mini-Tuner and Home Dock work with any XM-Ready product — plus the Mini-Tuner enables subscribers to easily move a single subscription from one product to another. Customers that have already invested in an XM Connect-and-Play antenna need not worry. The Connect-and-Play will still work with compatible XM Ready Home Stereo systems.

192/24 digital-to-analog converters
Costly, extremely powerful digital-to-analog converters , that not only boast a dynamic range of 120 dB, they process information faster and are virtually resistant to clock jitter, to ensure the best possible performance from DVD-Audio, DVD-Video and audio CD.

Audyssey 2EQ to Counteract Room Acoustic Problems
Loudspeakers are specifically designed to deliver sound without distortion or coloration. Nevertheless, walls, furniture and other objects reflect and absorb sound, creating distortion that is unique to your own space. To counter this, Audyssey 2EQ corrects problems both in frequency response and in the time domain (where most of the problems lie), across the entire listening area. The results are immediately obvious—a clear, precise and natural sound.

DTS-ES 96/24 Neo6
There are two DTS-ES (Extended Surround) formats: DTS-ES Discrete 6.1 and DTS-ES Matrix 6.1. The DTS-ES Discrete 6.1 format is, as the name implies, a 6.1-channel system with a discrete back surround channel, while DTS-ES Matrix 6.1, like Dolby Digital Surround EX, provides a matrix-encoded back surround channel. There’s also DTS Neo:6, which derives a 6-channel surround output from a stereo soundtrack, and regular DTS, which, like Dolby Digital, is a discrete 5.1-channel system, but which uses less compression than Dolby Digital. Receivers carrying the "96/24" designation are able to decode a new high-resolution audio format, DTS-96/24. This breakthrough allows for high quality, 5.1 channel audio encoded at 96kHz/24-bit resolution to be stored on a DVD-Video disc (or the DVD-Video portion of a DVD-Audio disc). This format is compatible with all DVD players, with those able to pass a 96kHz signal providing the highest quality output (DTS-96/24 is also backwards compatible with older 48kHz DVD player models).

7.1 Multichannel Inputs
The emergence of HD-DVD and Blu-ray discs promises to bring unparalleled realism to home theater. Dolby and DTS have each developed improved audio formats to be encoded on these new DVD discs that will superbly complement the latest in highdefinition video. By connecting a player compatible with these new audio codecs to an Onkyo A/V receiver equipped with 7.1 multichannel inputs, you will be able to experience extreme sonic clarity from these new discs, while retaining the full use of the receiver’s other onboard codecs.

HDMI
HDMI (High-Definition Multimedia Interface) This high-bandwidth interface supports not only brilliant digital video, but digital audio as well. Up to 5 Gbps of data—more than twice what’s needed for a high-definition movie with surround sound—can be handled, with room for future requirements. All this data is kept in the digital domain, as there are no D/A or A/D conversions needed, to ensure the highest sound and video quality available.

HDMI is fully backward compatible with PCs,displays and consumer electronics devices incorporating the Digital Visual Interface (DVI) standard. Both HDMI and DVI were pioneered by Silicon Image and are based on TMDS®, Silicon Image's powerful, high-speed, serial link technology. HDMI supports standard, enhanced, or high-definition video, plus multi-channel digital audio on a single cable. It transmits all ATSC HDTV standards and supports 8-channel digital audio, and with 5 Gbps of bandwidth, HDMI can accommodate future enhancements and requirements. Because HDMI was designed specifically for consumer electronics applications, it offers an array of additional consumer enhancements. As digital content can manifest itself in a variety of sizes, resolutions and formats, HDMI-enabled systems will automatically configure to display content in the most effective format. In addition, HDMI enables a single remote point and click, allowing manufacturers to deliver home theater systems that automatically configure from a single command from a remote control -- turning on or off the components necessary to view a DVD, listen to a CD, or watch cable or satellite TV.

WRAT (Wide Range Amp Technology
Imagine turning up the volume and filling your entertainment room with noise-free, impressively powerful, true-to-life sound. That's the benefit of Wide Range Amplifier Technology. Originally developed for our most expensive high-end amplifiers to handle the sonic demands of today's digital age, you'll now find WRAT even in our lowest-priced A/V receivers. The WRAT family of technologies includes a broader frequency range with lower noise entering the signal path – perfectly suited for new high resolution DVD-Audio and SACD formats.

CinemaFILTER
The tonal balance of a film soundtrack can be edgy and bright when played back over audio equipment in your home—this is because film soundtracks are designed to be played back in large theaters, using commercial equipment. Onkyo has developed its own solution that restores the correct tonal balance of a movie soundtrack in the smaller environs of your home theater.

Dolby Digital EX / Pro-Logic IIx
Home theater realism reaches new heights with the creation of Dolby Digital EX. By adding a matrix-encoded surround back channel derived from the existing discrete left and right surround channels, the lack of rear surround in 5.1 channel is eliminated. The result - a fuller 360º experience is created…even from 5.1-channel DVD releases. Best results are obtained when Dolby Digital EX is used with movie soundtracks recorded with Dolby Digital Surround EX. Pro-Logic IIx is the latest improvement on the original Pro-Logic and subsequent Pro-Logic II standards. Pro-Logic IIx adds post-processing to 5.1 channel and stereo signals, creating a realistic 7.1 channel surround environment from 5.1 channel movies and stereo sources, such as CD, Tape, FM Radio.

NeuralSurround
Neural Surround represents the latest advancement in surround technology developed for music and is adopted by XM Satellite Radio for digital radio broadcast of surround recordings and live events in surround sound. Neural Surround employs psychoacoustic frequency domain processing which allows delivery of a more detailed sound stage with superior channel separation and localization of audio elements. System playback is scalable from 5.1 to 7.1 multi channel surround playback.

Theater-Dimensional
You can experience the excitement of surround sound from as few as two ordinary speakers. Onkyo's exclusive Theater-Dimensional circuitry takes the complexity out of conventional surround-sound setups and lets you experience the excitement of surround sound from as few as two ordinary speakers. Want more? Theater-Dimensional's unique multi-speaker modes let you place up to five speakers conveniently by the TV, for the most realistic virtual-surround sound possible.

RI (Remote Interactive)
With Onkyo’s exclusive RI (Remote Interactive) system capability, you can integrate and operate all compatible components through a single remote control. What’s more, RI capability enables you to simply connect the iPod® to your receiver through Onkyo’s RI Dock for the iPod (DS-A1). Your iPod effectively becomes another Onkyo component from which you can relish a fuller sound that just can’t be experienced through headphones. RI capability will also give you remote operability of your iPod for hands-off control over your digital music.

Onkyo Micro Fiber (OMF) Speaker Cones
Onkyo Micro Fiber (OMF), made from a pure cotton weave to absorb vibrations, was first developed to create a thick yet rigid diaphragm that enables an extremely fast, accurate response. The next stage saw the advent of A-OMF, which incorporates a PEN (polyethylene naphthalate) layer with a flexible cotton weave that makes speaker cones even stronger and more resistant to heat. We then added an aramid layer to create New A-OMF. The evolution has been taken a step further with A-OMF Monocoque—essentially sharing the same material.



Product Description

When it comes to all-in-one home theater, the HT-SR800 has made a clean break from the pack. You're looking at packaged home theater that neatly integrates your high-definition entertainment and your HDTV through an HDMI channel that transports video with a resolution all the way up to 1080p.Ably supported by component video switching; the HT-SR800 will handle most of the A/V components or formats currently available, as well as the spectacular quality of high-definition discs. Also, reinforcing the convenience of matched components, this package is the first to use an Audyssey room-correction technology specifically designed for integrated systems. The options--XM Radio (including 5.1 surround sound radio with Neural Surround decoding), and iPod integration--can really extend your reach, making the HT-SR800 one of the more complete home theater packages available.

5.1 theater system



5.1 theater system

Sony BRAVIA DAV-HDX589W 5.1-Channel Theater System

I purchased this unit to complement a Samsung LN52a550 HDTV. Didn't feel there was enough sound from the unit to complement the samsungs outstanding video. Shopped for reasonably priced HTIB units and decided (despite cautions that most didn't perform) to give this unit a try. In my wildest expectations I never thought this unit would perform up to its marketing description. Placed in a den of that is approx. 15 x 25 and playing a Dolby DVD, it placed me in a cinema that provides sound effects that truly astounded. I'll qualify this by saying that I'm a audio neophyte but for this sound at this amount of money I am truly impressed.

Be aware that this Sony unit is being used with a Samsung HDTV and consequently the transition between DVD usage & HDTV usage (must change input source) is a bit bothersome. I found that in order to obtain full surround sound from the unit when receiving audio only from you TV (not from the DVD) you must purchase a digital optical cable.

Hope I haven't misled any one but if you select this unit I don't believe you'll be disappointed.

Technical Details

  • 1000 watts over 5 channels
  • S-AIR multi-room capable ( AIR-SA10 sold separately)
  • HDMI upscaling to 720p/1080i of DVD media
  • IPod9 dock with music and video playback
  • Includes wireless rear speaker system

Product Description

The DAV-HDX589W BRAVIA theater system boasts an integrated 5 DVD/CD changer, 1000 watts of room-filling power, and an included iPod dock. With the included S-AIR rear speakers with rear receiver and amp (WAHT-SA10), you can now hear powerful sound from behind you without running wires. Control a select number of BRAVIA televisions with BRAVIA Sync via the HDMI interface—and it all works through one remote control (included). And for amazing picture quality, the HDMI interface upscales DVD media up to 1080p. In as little as 30 seconds, digital cinema auto calibration automatically adjusts speaker settings depending on their placement.

12/15/09

Discover rewards

Discover rewards

Travel Credit Cards - Discover the Leading Travel Rewards Programs

If you are interested in travel credit cards there are some important things that you must know. Depending upon your needs they can be a fantastic deal, but if you do not choose wisely they can also become rather costly.

When we think of travel credit cards we often think of cards that feature airline miles as rewards. There are other forms of travel rewards programs however, including cards that offer discounts for hotel reservations, rental cars and even cruises.

Knowing this makes it rather easy to identify what our needs are specifically and then conducting our search according to those needs. Travel rewards programs are rather popular and there are no shortage of cards that offer them so finding a good deal to fit your specific travel needs should not be too difficult.

Airline miles credit cards can come in several different forms. The first being an all purpose card that allows cardholders to earn airline points every time they use their card. An example of this is Miles by Discover card. Cardholders are rewarded for the purchases they make and can redeem those rewards according to the terms and conditions of the offer.

The other major type of airline rewards card is one that is offered in conjunction with a specific airline. An example of this would be the Delta Reserve card offered through American Express. It is not at all uncommon that a credit card issuer partners with a particular airline and issues an exclusive card.

An example of this partnership for hotel rewards would be the Starwood from American Express. Starwood is one of the largest hotel chains in the United States and has teamed up with American Express to offer an exclusive rewards card for their loyal cardholders.

Another form of travel credit card is one that more or less flies under the radar. I'm talking about cards that offer cash rebates on gasoline purchases. I would most definitely count this as a form of travel rewards based on the fact that the user benefits every time they use their card.

It must be pointed out, however, that travel rewards cards often come with annual fees but sometimes can be rather high. The individual must decide for themselves if that fee is in fact justified for the rewards that they will receive in return.

To find the very best travel credit cards to suit your needs is a rather easy thing to do. Just go online and visit one of the finer review and comparison sites and you will quickly discover that there are a great many offers to choose from.

Interested in Finding Great Deals on Travel Credit Cards?

Compare travel credit cards to find the very best rewards programs to suit your needs.

Visit http://www.bestcreditquote.com to find the right offer for you.

~Morgan

Discover student

Discover student

The Discover Student Credit Card Suite

Are you looking for the best Discover student credit card? Well, look no further. Here in this article, you will find four of today's well loved Discover credit cards made specifically for students. Whether it's for books, travel, dorm rent or for team projects, this suite has you covered.

On top of the list is the Discover student credit card monogram collection. The card has a cool array of personalized designs, a perfect one for students who have a knack for movies, restaurants, gas and travel. With up to 5% cut back bonus, you will also get zero interest on your purchases for six months. There is no annual fee and it has an easy online management account tools, zero dollar liability fraud guarantee, plus the chance to build your own credit history. The annual percentage for prime is plus 8.74% and 16.99% currently.

Another great card is the Clear Card. With it, you will get zero interest on your purchases for the first six months. This however has terms and condition and these are detailed on the online Discover Student Clear Card application. There is also a five percent cash back bonus so you won't have to keep up with popular categories like movies, restaurants, gas and travel that vary 4 times. As with all other purchases, you will get one percent automatic cash back bonus. There are no annual fees and zero dollar liability fraud guarantee.

Third in the list is the Open Road Discover card. Still, there is no interest for the six months of your usage. You will get a chance to build a good credit history. The Open Road is great for students with cars because of the five percent cash bank bonus on auto maintenance and gas maintenance purchases.

The fourth one is the Tropical Beach Credit Card. It is is similar to the aforementioned ones, still zero interest on the first six months of usage, five percent cash bonus for categories that vary 4 times and one percent cash bonus on other purchases.

So there you have it, four choices, four great cards, one name. Just remember to ask questions regarding the introductory rates when you apply.

Milos Pesic is a Certified Financial Planner and Debt Management Consultant who runs a highly popular and comprehensive Credit Cards web site. For more articles and resources on Credit and Debit Cards, Credit Card Reviews and Comparisons, Credit Card Applications and much more visit his site at:

=>http://creditcards.need-to-know.net


12/14/09

Samsung LCD TV Reviews

Samsung has various high definition televisions that have outstanding picture quality and speakers that give the illusion of surround sound. Some of the best televisions Samsung has to offer include the Samsung 26 inch LCD TV, the Samsung 32 inch LCD TV, and the Samsung 40 inch LCD TV. All three of these televisions contain great features and one of these televisions will definitely be a great fit in your home.

The Samsung 26 inch LCD TV has many features that make it an outstanding product. This flat-panel television produces clear and crisp scenes due to a contrast ratio of 4000:1. With a 160 degree viewing angle, this television provides you with an enjoyable viewing experience. High quality speakers are already inserted in the Samsung 26 in. LCD TV. These speakers provide an illusion of surround sound which means you don't have to go out and buy additional speakers. Therefore this television is a great money saver. Don't be fooled by the small size of the television. Although it isnt as big as its counterparts, the Samsung 26 in. LCD television fills up a room with ease and allows everyone to view it without strain. Its small size makes it extremely portable and it can be mounted on a stand or even on the wall. You can even plug your computer into it and view movies and music on the product itself.

The Samsung 32 inch LCD TV is sleek and slim and includes many features that make it one of the best Samsung has to offer. The picture quality of this television is simply outstanding. The screen possesses high resolution quality and displayed images appear incredibly realistic. The 32 in. LCD TV is attached to a swivel base which allows you to easily adjust the angle of view, twenty degrees to the left or right respectively, to suit your personal preference. There are ten watt speakers already built in to the Samsung 32 in. LCD television which provides outstanding sound quality that add an enjoyable viewing experience. This television also provides a virtual surround sound so it is also a great money saver. The screen can also function as a computer monitor so you also don't have to waste money buying a monitor. This feature also allows you to play video games on an HDTV which provides a unreal gaming experience. There are also two hdmi plugins and only one TV cable which is much simpler than having to deal with dozens of cables coming out of the TV.

The Samsung 40 inch LCD TV is larger than the previous two products and provides a much crisper and clearer screen. It has a contrast ratio of 30,000:1 which creates fantastic picture quality. Even the darkest scenes appear bright on the screen, and the color is much richer. The picture quality is as good as much more expensive televisions such as plasmas. The screen has a 16:9 viewing angle which allows you to view the entire scene without parts of it cut out such as the bottom line on Sportscenter. I always hated when my old television would do this and since I hooked up the Samsung 40 in. LCD TV I haven't missed a thing. This television contains two more hdmi plugins than the previous two televisions, making a grand total of four. These plugins allow you to connect your surround sound, mp3 player, digital camera, dvd player, and other electronics. The ability to plugin four different things at once makes the Samsung 40 in. LCD television a very versatile product. With this television, you will never want to go to the movies again.

All three of these televisions are of the best Samsung has to offer and provide specific features that are designed to address specific needs of consumers. You can read reviews on the Samsung 26 inch LCD TV, the Samsung 32 inch LCD TV, and the Samsung 40 inch LCD TV and also purchase these products on learning-about.com/SamsungLCDTV

Read customer reviews with a star rating system for the Samsung 40 inch lcd tv by visiting: Samsung 40 lcd tv

Read more reviews of samsung lcd tvs by visiting: Samsung LCD TV Reviews

Online business review

Online business review

Home Income Alliance Online Business Review

Home Income Alliance is a new home business started by Dan Miller. Dan is an experienced online marketer that was also responsible for the Alliance program, the 100k Power Income Marketing System, and IPC Instant Cash.

This relatively new internet business has a unique 2 tier commission system that offers three different levels of entry. Members can join at the Executive level for $499, the Standard level for $299 and the Basic level for $99. The commissions on these levels are, respectively, $250, $150 and $50. Members make these commissions for every member that they bring into the business and when that member makes a sale, the override sponsor makes an override of $100 for the Executive level, $50 for a Standard membership and $20 for the Basic membership.

The products are a suite of electronic downloadable products that are commonly found in these types of businesses. Dan Miller also offers training webinars weekly and has also created numerous training videos for members to access in their back office.

There have been many similar programs over the past few years, and members in this program will profit if they work hard marketing it and take the time to learn the basic internet marketing skills taught in the back office and in the weekly webinars. Dan Miller is obviously a successful marketer and members that take the time to aggressively market Home Income Alliance during the first few months will have the best chance at long term success.

The key to success for most members will be for them to learn how to attract prospects to join their team rather than one of the many others marketing the same program. The best way for members to do this will be for them to learn how to build custom landing pages that set themselves apart online. These are skills that Dan knows well, and hopefully he will teach Home Income Alliance members to learn how to brand themselves online as this is an essential skill for most successful online marketers.

There have been many online marketing opportunities that offer training in online marketing as a benefit of membership. Steve Jankowski has a program that is more lucrative than Home Income Alliance and also has more than 400 hours of specific training covering virtually every aspect of online marketing. This "other" mentoring program teaches 51 different methods of marketing, with an emphasis on the free methods that many new marketers choose to focus on. To check out this program, visit Steve's Online Marketing Mentorship website.

12/11/09

Apartment investment



Apartment investment

Investing in Apartment Buildings: Create a Reliable Stream of Income and Build Long-Term Wealth

Mathew Martinez continues his good work with this book on apartment investing. I knew he was different than most real estate authors after reading his first book, '2 Years to a Million in Real Estate'. He writes about his personal experiences in a clear, informative manner and does not cloud information in hyperbole.

The introduction about the woes facing the middle class is timely. I believe that, one by one, millions of Americans will find out that the comfortable life and retirement they expected for themselves will not be possible without some diversification out of paper assets. Real Estate, and apartment buildings in particular, offer an excellent means for people to go beyond their 9-to-5 grind and to establish some financial security and perhaps even prosperity.

Matthew's logical description of working your farm area, sourcing properties, buying smart, doing your due diligence, financing, property management (which in the beginning includes landlording) and finally exit strategies is brief and yet complete. These are the steps you'll need to go through and the basic information you'll need to understand.

In addition to helpful advice and simple language, Matthew's inclusion of inspiring quotes, useful websites and major multifamily lenders rounds out this superb book for the novice apartment building investor. As with all books like this, the real value is in putting the information into action. I've been a real estate investor for a few years and have seen many investors make good money by combining simple techniques with consistent effort. The best review of Matt's book is the positive results you can achieve by following his advice!

Great job!

  • Paperback: 240 pages
  • Publisher: McGraw-Hill; 1 edition (October 21, 2008)
  • Language: English
  • ISBN-10: 0071498869
  • ISBN-13: 978-0071498869
  • Product Dimensions: 8.9 x 5.9 x 0.7 inches

PProduct Description

“Matthew's newest book, Investing in Apartment Buildings, couldn't have come at a more poignant time in our lives. He offers a modern day, step-by-step survival guide for the ever growing economic war on the middle-class. Win your own financial war by arming yourself with Matthew's systematic, hands-on experience and sound principals for investing in apartment buildings.”
--Ryan Zahoruiko, principal, Forest Street Property LLC

“Matt Martinez is able to take the complicated world of real estate investing and put it into terminology that the average person is able to understand. Understand the acquisition of apartment buildings is not an easy task but Matt makes it clear and concise in his book. He gives the reader the tools, knowledge, and desire; it is only up to the reader to follow what he reads to give him success.”
--Seth Heller, VP of Acquisitions, GREC Conversions LTD

“Matt Martinez makes a compelling case as to why real estate investing remains the best path to financial independence. Investing In Apartment Buildings provides step by step advice that gives newcomers to real estate investment the practical advice they need to learn the business from the ground up. The Chapter Summaries provide an excellent tool to focus the reader and the real life “war stories” provide great context for each lesson. If you want to get started in developing an independent income stream Investing In Apartment Buildings should find a place on your bookshelf.”
--Jordan C. Paul, CEO Aquila Property Company, Inc.

“I bought my first rental property around 1990. Since that time I've bought, operated and sold more than 3,000 apartment units which have generated more than $30MM in net profits. If I would have had Matt's book in 1990 I could have avoided dozens of pitfalls and accelerated my growth MUCH FASTER..."
--David F. Atkins, president, Alexander Forrest Properties

“Matthew Martinez has done it again! His books are clear, compelling, and always offer tremendous knowledge and value for anyone wishing to get into the real estate market. Speaking from experience, Matthew, provides great insight into real estate investing and you'll even get to read personal email exchanges from Matthew's treasured mentor.”
--Phoebe Chongchua, real estate columnist

“Matt has really hit the target; a concise, complete and organized approach to investing in this asset class. Apartments, with their short lease terms, are true inflation hedges and this book can help your investment approach, whether new to the business or a seasoned veteran. He really gets it, and you will too."
--Gary Kachadurian, chairman, Apartment Realty Advisors

“A must read for anyone looking to invest in apartment communities. Matt's book is both informative and interesting!"
--Mark H. Stern, senior vice president of acquisitions, Waterton Residential

“An outstanding summary of the key principles of real estate investment and wealth accumulation. Matt Martinez has the unique ability to transform sophisticated ideas and concepts into highly readable and entertaining prose. This is required reading for anyone serious about learning the basics of apartment building investment in these complex times."
--Richard N. Bernstein, attorney and principle shareholder, Greenberg Traurig LLP

“Because of Martinez' s vast understanding of the real estate industry's many nuances, he is able to provide real and sustainable advice for investment professionals and novices alike. Martinez will show you where the rubber meets the road when it comes to multi-unit success. Buy this book!"
--Charles Byron Andrews, founder of Blue Coast Asset Management

“This is an outstanding guide for those who are interested in investing in apartment buildings. Matt Martinez has created a well-thought-out and informative book for the novice, intermediate and experienced multi-unit apartment investor. He discuses in great detail farm areas, sourcing properties, value-add deals, property management, value determinations, financial analysis and underwriting guidelines, negotiating strategies and how to succeed in this challenging but rewarding business. He also uses real-life examples to help the reader better understand the principles he teaches. This is an outstanding book that anyone who is seriously interested in apartment buildings must read!
--Rob Sena, partner, Alterra Capital Group

“When I started in real estate investing, Matt Martinez sat down with me and explained how to do things properly. His guidance gave me both the analytical framework and courage to succeed. In fact, I just bought my third apartment building. This book encapsulates much of his wisdom and is definitely a must read for anyone serious about real estate investing.
--Ben Goodman, founder, FastForwards Management LLC

Investing in Apartment Buildings is not only another story of success, but one that lets you profit from Matthew Martinez's experience. The writing style makes you feel like you're talking with a friend. This book provides a great description of the current industry's situation, ideas to capture opportunities and tools to assess each investment. It represents a very compelling guide to help you ask the right questions and understand the answers when considering real estate deals.
--Javier Dborkin, director, Boston Andes Capital

“Any seasoned multifamily investor will tell you that the fortunes you hear about are made and lost in the details. Many of the lessons I have learned through years of trial and error have been clearly laid out in a highly accessible format in Matt Martinez's Investing in Apartment Buildings."
--Matt Wanderer, principal, Alterra Capital Group

“Matt's approach to investing in Multi-Family Apartments is concise, strategic, and up-to-date. This book is well thought-out and informative for today's multi-family investors. Matt knows what he is talking about. His book is a must read."
--Joel Webb, founder of TheCreativeInvestor.com



From the Back Cover

"If you're interested in moving up to bigger and better real estate deals, you simply must read Matt Martinez's new book.”
--Robert Irwin, bestselling author of How to Get Started in Real Estate Investing

The Guide to the Hottest Real Estate Investment on the Market--Apartment Buildings

“Matthew Martinez explains the complex subject of apartment investing in clear, concise terms that everyone will find accessible and readable. He includes valuable resources and demonstrates with numerous real-life examples how to get started in this lucrative segment of the real estate market.”
--Michael C. Thomsett, author, Real Estate Market Valuation and Analysis and Beyond the Bubble

“This entire book is a valuable must-read for anyone interested in multi-units, and shows investors how easy and profitable it can be investing in multi-units with Matt's guidance".
--Andy Heller, coauthor of Buy Low, Rent Smart, Sell High and Buy Even Lower

“Rich in advice and details needed for day-to-day operations, Matt's insights are extremely helpful to beginners and professionals alike. The next few years will set the stage for a 'once in a lifetime' opportunity to buy apartments at distressed prices. Buy this book, and get ready for the ride of your life!”
--Marcel Arsenault, couthor, Foundations of Wealth: How to Build a Real Estate Empire

“As a lender for apartment properties, nothing is more satisfying than to see a real estate entrepreneur invest in a value-add property, make improvements and realize tremendous profit. Matt's book provides the tools for success that are essential for anyone interested in building a winning real estate portfolio.”
--Daniel M. Palmier, president & CEO, Potomac Realty Capital

Apartment building sale



Apartment building sale

The Complete Guide to Buying and Selling Apartment Buildings

PProduct Description

Whether youre a first-time real estate investor or a seasoned professional, The Complete Guide to Buying and Selling Apartment Buildings helps you map out your future, find apartment buildings at a fair price, finance purchases, and manage your properties. Now revised and expanded, this Second Edition includes tax planning advice, case studies of real acquisitions, and appendixes that add detail to the big picture. Plus, it includes a handy glossary of all the terms investors need to know, helpful sample forms that make paperwork quick and easy, and updated real estate forecasts. With this comprehensive guide at hand youll find profits easy to come by.


From the Back Cover

A revised and expanded edition of the bestselling guide to investing in apartment buildings

Investing in real estate is a tried-and-true way to build assets, increase income, and prepare for retirement or the expense of college. With the proper guidance, a well-defined plan, and a little capital, anyone can profit by buying and selling rental properties.

Whether you're a first-time investor or a seasoned professional, this straightforward guide helps you map out your future, find apartment buildings at a fair price, finance purchases, and manage your properties. If you're an active real estate investor focused on single-family properties, Steve Berges's step-by-step plan shows you how to make the jump to multifamily units.

The Complete Guide to Buying and Selling Apartment Buildings includes tax planning advice, case studies of real acquisitions, and appendixes that add detail to the big picture. This new Second Edition also includes a handy glossary of all the terms investors need to know, helpful sample forms that make paperwork quick and easy, and updated real estate market forecasts. Inside you'll find:

  • Ten ways to create value
  • Six ways to locate multifamily properties
  • Five key ratios every investor should know
  • Two crucial techniques that will help any investor save thousands
  • Three ways to determine how much a piece of property is really worth
  • Five cardinal rules of successful negotiations
  • Six reasons sellers sell their property
  • Four effective exit strategies
  • Five keys to your success
  • And much more

  • Paperback: 328 pages
  • Publisher: Wiley; 2 edition (December 20, 2004)
  • Language: English
  • ISBN-10: 0471684058
  • ISBN-13: 978-0471684053
  • Product Dimensions: 9.1 x 7.5 x 0.7 inches
As a real estate investor and author myself, I read a lot of real estate books. Many, if not most, are written by folks who do not invest in real estate themselves; they only write about it. Berges is not one of them. He knows his stuff and it's clear that he practices what he preaches. I have read three of his books and, I must say, he's one of my favorite real estate authors. You can trust what he says. Experienced investors may want a bit more detail from Steve, but what he does say is accurate and safe. This is a good book on buying apartments. In fact, in my own book, "Investing in Duplexes, Triplexes & Quads," I list the best books I've read on different areas of real estate. This book is the ONLY book I recommend on investing in commercial multifamily (ie, apartments of 5 units and up) properties.

Having given those accolades, here are a few of my constructive criticisms:

1. On pages 37 and 38, Steve gives nice charts illustrating the long-term financial benefits of investing in multifamily properties. On page 39, however, there is an error in referring to the big numbers shown. The reference is made to Investor A's "equity" of $2.1 million and Investor B's (the multifamily property investor) equity of $92 million. I just don't think Steve caught this, but those numbers don't refer to the investor's equity, but to the fair market value of his collective assets (his properties). The investor's equity might be in the range of 20% of that. I do like the charts, however, and I used a similar analysis in my recent book. One other note on the charts - they presume selling and buying exactly at the end of one year - a difficult task as Steve would surely admit. On average, I think 18 months to two years is a better time frame for flipping apartments.

2. Refinancing - Steve didn't give a chart showing the long-range effect of the "buy, hold and refy" strategy (using proceeds to buy again, but retaining the first property). In addition, Steve only mentioned the general banking guideline that you can only pull out cash up to 80% of the new appraised value (i.e., the bank has an LTV of 80%). However, you can get around this. I've done it. It requires a second lender giving a second mortgage, with a CLTV (combined loan to value) of up to 90%. As such, you can pull out much more cash.

3. GRM - gross rent multiplier. In his financial analysis section, Steve doesn't give much detail or provide real life examples on this crucial analysis factor. Granted, the cap rate is the analysis primarily used for commercial real estate, while the GRM is the one used for residential multifamily (2-4 units) real estate. Since many owners and selling brokers will "fudge" on expenses, a cap rate can be very hard to verify. The GRM, however, is fairly simple - just look at the lease agreements.

4. Lack of coverage on residential multifamily apartments. In fact, this is why I wrote my book on this topic. If Steve had covered it here, I would not have written mine. I like Steve's writing style and he knows his stuff. But for investing in small multifamily properties (certainly on residential, but probably up to about 10 units), we really have to cover valuation and selection of properties using the GRM. That and I felt like the "buy, hold, and refy" strategy needed much more coverage.

But for investing in commercial multifamily properties, I recommend this book as the only good one on the market.

Larry Loftis
Author: Investing in Duplexes, Triplexes and Quads: The Fastest and Safest Way to Real Estate Wealth

12/6/09

Fresh water pearls


Fresh water pearls

Pearls have a warm and lustrous outer colour that is irresistible to women. Their natural beauty and precious price tags make them the best gift option to gift to her on a special occasion like your 10th/25th/or 30th wedding anniversary or for as a wedding gift for your daughter or even for your new bride! Natural Fresh Water Pearls are rare and exquisite precious beads, which are perfect for your special lady. Natural or cultured fresh water pearls are formed inside the shell of living mollusk or other fresh water oysters. They are found deep under the dark oceans and are extremely rare in nature, usually centred in Bahrain now.

The cultured ones are cultivated in Japan or China. Natural Fresh water Pearls are beautiful beads that go well with formals, informal and evening dress and can be worn by woman of any age. Thus, it is a perfect gift for any woman that can be proudly added to her wardrobe.However while choosing a perfect gift; it is extremely important to evaluate the quality of the natural fresh water pearls. Grading of these pearl beads takes years of research, study and experience; however following tips can help you find best quality pearls for your lady:

Tip 1: The foremost thing to do is to decide the colour of pearls you want to purchase. This you can decide on the basis of her skin tone or according to the dress she is going to wear on the special occasion. Pearls are available in an assortment of colours, like pure white, ivory, soft pink and even black. However, low quality pearls or faux pearls are dyed to hide their imperfections. The best way to check their authenticity is to look around their drill holes. If they are fake and painted then you will be able to see irregular paint around the drill holes.

Tip 2: Natural pearls are naturally lustrous. The more it shines the more high quality it possesses. Look out for deep and natural lustre. Faux pearls lustre is chalky.

Tip 3: Pearls are available in various shapes: round, spherical, baroque and asymmetrical. Choose the shape you want to purchase according to her face shape and features. Buy symmetrical pearls rather than asymmetrical ones. Make sure that the pearls in the jewellery are identical in shape and size. They look more pleasing to the eyes and more aesthetic. Natural fresh water pearls are special because they are larger in size as they take more time in formation. Thus, choose the biggest size of the pearls that your pocket can afford.

Tip 4: Pearls are usually are measured according to their diameter but large fresh water pearls can also be weighed. Get your pearls weighed and buy them according to the weight.

Tip 5: To make sure your pearls are genuine touch their surface and check for grittiness. Natural pearls are gritty. Also, make sure there are no cracks, flaws or chips in them. Gift her beautiful pearls ad see her glow like the pearls with excitement and happiness.

For any help on personalised gifts, check out the info available online; these will help you learn to find the Natural Fresh Water Pearls gifts!

New year gift

Calendars - New Year Gift Idea

With the New Year just around the corner, it is high time that we rid ourselves of what is undesirable. New Years offer a brand new hope, a fresh start, a new beginning. With this new beginning comes a new calendar.

A print calendar is a good gift idea because this is one item that most people do not buy. You normally get it as a gift or a give away from your local grocery store or some fast food chain.

As a business owner, calendar printing is a good marketing tool. One, they attract attention because they are like posters with beautiful designs. Two, they are keepers because most people hold on to them for at least 12 months.

A print calendar is proven successful marketing collateral especially when done right. They can constantly remind your potential customers about your products or services. However, there are still some print calendars that do not work. They either are chucked or used as wrapping papers.

So how can you have calendar printing that produces the best results when it comes to helping you grow your business?

Here are a few pointers to help you maximize your calendar's purpose in your business. A few tips can go a long way in making sure that your marketing tool achieves its purpose of growing your business:

Capture a subject. Your calendar must be aesthetically pleasing. You simply cannot attract attention if your calendar is dull and boring. There are a lot of subjects to choose from that would delight people. Good subjects or often used images are those of babies, scenic spots, bodies of water, still life, etc. There are just so many things that can be captured which in turn should be able to capture the attention of your potential clients.

Develop the message. A good calendar has a theme. It has a subliminal message that it wants to convey. A hamburger chain, for example, might have a picture of a burger and fries for January and a cone of sundae for February. This is done to deliberately make you feel hungry every time you glance at your calendar. A travel company, on the other hand, might use travel spots for their calendar to remind you of the places you want to visit.

Your message does not have to appear in words. You can get your message across by selecting the appropriate subject or design for your calendar. Remember, pictures say a thousand words and twelve pictures in your 12-month calendar printing say 12,000 words.

Make it interactive. Your print calendar does not have to be static. You can in fact, make it dynamic. How? By making it interactive. You can, for instance, add coupons so every time they take off a month, they get coupons also. These coupons should offer discounts to your business or free services or other promotional items to get your potential customers involved in your business.

Finally, in designing your calendar remember this cardinal rule: always have a jolly good time.

Kaye Z. Marks is an avid writer and follower of the developments in print calendar or calendar printing industry.

 
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