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So in water distillation (or steam-distillation as some people call it) we are heating the water (thermal) and changing its phase from a liquid to a vapor and back into a liquid – that is where the description “Thermal Phase Change Process” comes from.
To illustrate the Thermal Phase Change we often refer to nature’s hydrologic cycle.  The hydrologic cycle goes through the same phase change process and is dependent on heat from the sun to produce rainwater. This item will be sent through the Global Shipping Programme and includes international tracking. For parts or not working: An item that does not function as intended or is not fully operational.
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This is a private listing and your identity will not be disclosed to anyone except the seller. One of a few valuation remnants of the past includes a co-op board valuing a current contract sale on a price per share basis.
Miller also rejects the thesis that Manhattan’s two-comma real estate prices were being fueled solely by foreign money and are now jeopardized by global uncertainty and a stronger dollar versus emerging market currencies. Given that it is early March and it is 54 degrees outside in NYC as I write this, it’s hard to think about snowstorms. My friend Jason Bram, an economist at the Federal Reserve Bank of New York, was interviewed for his views on NYC snowstorms and their economic impact in Hey, Economist!
This is why I go crazy at the beginning of every calendar year listening to housing prognosticators fret about severe winter weather having a far reaching long term impact on the housing market and the economy.
There has been voluminous discussion in recent years about following and marketing to the high end of the demographic scale, especial the real estate market. And as the rich own a greater share of real estate, major cities like New York, Los Angeles and London are going through a kind of “resortification,” familiar to posh beach towns or ski resorts, as their populations become more seasonal. For Manhattan, these birds are rare in February and squawking on all treetops (bad pun for super tall condo penthouses) at full capacity in June.
I took a look at the last 15 years of residential sales, measuring the amount of time that passed from a home’s prior renovation to sale. Even the Urban Institute’s Laurie Goodman who is another voice of reason, writes a blog post on Why Rocket Mortgage won’t start another housing crisis. I am one of those who were angry after seeing the QL commercials that aired before the Super Bowl and my disbelief continued after watching the Super Bowl ad.
Borrowers can give lenders easier access to bank information – this is one of those wiz bang promises we always see with new technology (assuming this product is new technology). The real reason for the pushback on this rocket thing is not because we are anti-digital, anti-efficiency, anti-credit easing, anti-automation or anti-polyester bellbottoms.
And it becomes even more clear to me as an appraiser, looking at their complete reliance on appraisal management companies and how awfully unreliable that post-financial crisis industry really is at estimating collateral, that their judgment is flawed in the long run. The same sort of promises and expectations were made during the run up of Countrywide Mortgage. The first segment was largely stock market talk which was out of my bailiwick but in the second segment I got to articulate my views on the New York City super luxury market. The changing skyline is a well worn and controversial discussion throughout much of Manhattan’s storied (pun intended) real estate history.
If you’re a subscriber to the Bloomberg Terminals, as roughly 350,000 people are (paying $1,600+ per terminal per month), then you may already know there are a half dozen charts on the Manhattan luxury housing market.


It’s a good thing too, since the thought of making real estate housing markets equate to stocks was inspired by, and then was crushed by, the housing boom-bubble-bust era 2003-2008. Contract data is not available market-wide and if it were, lags the market by several weeks. Not all property types see high volume so their trends are extrapolated (and thus diluted).
It teaches market participants that short term views on real estate holdings are the norm, the way a stock day trader views the market.
While a daily real estate index can be created with relative technical ease, it doesn’t mean it is a good idea. We update 3 charts on the Manhattan luxury sales market and 3 for the Manhattan luxury rental market. In my recent trip to Shanghai, I spoke to and interviewed many, many real estate investors at The Real Deal Forum. The WSJ article is more orientated towards the past few weeks while the NYT article is a longer term view. The NYT piece set the table on the entire multi-year phenomenon using a ton of cool charts while the WSJ attempted to illustrate the change in recent weeks Both outlets were forced to rely on a lot of anecdotal to make their case. The NYT piece provided the long term historical view and the WSJ was a short term snapshot. The Brooklyn housing story in fact earned more reads than the Stanford Business School sex scandal, the Bill Gross $200M lawsuit against PIMCO and Deutsche Bank’s $7B loss this quarter. Over the past few days I’ve been sent this blog post by a number of real estate appraisers who are upset with its derogatory reference to our profession.
His Huffpost bio and web site indicates he is a NY Times Best Selling Author along with one of the top personal motivation and real estate trainers in the world.
Graziosi frames the real estate appraiser as something other than a real estate professional while the real estate agent is a professional. The problem here is that there are a lot of sales outside of FHFA data – and FHFA only tracks mortgages that go through Fannie and Freddie.
The Case Shiller index is also a repeat sales index like FHFA but shows a different price point for the current market because it includes transactions outside of the GSE world. If we look at the number of sales, which is the key point he makes, sales activity is low because we’re not necessarily seeing an excited bunch of buyers flocking to the market. Conclusion – we are not at the pre-Lehman market peak unless you only look through the eyes off FHFA, a distorted subset of the overall housing market. Don’t call an appraiser, as their approach to market value is different than that of a real estate professional.
There is so much to talk about within these two sentences I’m not sure where to begin.
To meet the IRS requirements, you need two things: spend the majority of your working time spent performing qualified real estate activities (regardless of what you do), and rack up at least 750 hours. As I’ve walked through this response, I realized that the silly advice blog post in the Huffington Post by an infomercial guy did what it intended, stir up conversations of any type to get his name out there when his actual content was devoid of useful information. Looks like I’m never going to be a multi-millionaire wearing a huge watch strategically placed in my head shot. The appraiser’s client in the mortgage appraisal situation you describe is not the homeowner. Yes I agree that the quality of AMC appraisals for banks generally stinks, but blame the banks for that, not the appraisers.


I may need to talk to you at some point in 2011, so we can work out what it would cost to get a few of them over to OZ, but not before I get my other prewar Lionel locos running. I agree the 2055 is a great loco, although my whistle tender needs looking at again as its stopped whistling. The Denying Dutchman wrote: Slightly off topic: Did steam electric loco's exist like diesel electric loco's? Rather than waste it, I trimmed to size and applied to the end of the shelf where my Jensen's sit. Yes Paul, Steam Turbine Electric Locomotives were experimented with near the end of the steam era (late '30's to early '50's). There may well be a valid nitch for them today as they can be made to burn many different potential fuels like coal, something that internal combustion engines like Diesel Electrics don't do well trying to burn._________________Are we having fun yet?
A great collection but star of the show is that brilliant elevated railway meandering around your collection.
Yes Roger, if your son is away flying and you want to temporarily adopt one until he comes back, give me a call. Press the 'Join' button at the top of the page, to be part of the largest toy steam forum on the internet. It produces a consistent quality of distilled water, which can vary somewhat based on the engineering of the device (which is typically called a “distiller”). By clicking Confirm bid you commit to buy this item from the seller if you are the winning bidder. Import charges previously quoted are subject to change if you increase you maximum bid amount. Prospective buyers and sellers are reasonably knowledgeable about the asset; they are behaving in their own best interests and are free of undue pressure to trade.
I got the impression that investment has pulled back a bit in 2015 but expectations were high that investment would expand again, although not to the level of the past 5 years.
The real estate agent is trying to get you a sold price near to the top of the market, and their CMA, Comparative Market Analysis, is going to give you a pretty good idea of its value. The AMC is acting as an agent for the lender in order to for the lender to make an informed decision on the collateral (of course that’s only a concept).
I know that baldwin built a few for the Union Pacific and maybe others as well, but they just didn't catch on.
If you reside in an EU member state besides UK, import VAT on this purchase is not recoverable. EZ Pass scanning technology on the highway is far better for toll collecting but it took a few decades to perfect. We are seeing a whole lot of homeowners who aren’t selling, waiting for rising values.
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