Allen Enterprises, Salem Oregon Personal & Professional Development, Business Consulting and Real Estate Counseling

salem, Oregon~ Madison, Wisconsin
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Any real estate related questions specific to a particular property can be directed to me through EMAIL as the purpose for this BLOG is for general topics, questions and discussions. Further, all data and information provided on this site is for informational purposes only. Allen Enterprises 2000 makes no representations as to accuracy on completeness, dates, suitability, or validity of any information in this BLOG and will not be liable for any errors, omissions, or delays in information, losses, injuries, or damages arising from its display or use. All information is provided on an as-is basis and the opinions expressed by any Bloggers along with those providing comments are theirs alone, and do not necessarily reflect the opinions of Allen Enterprises 2000 or any employee thereof. Simply stated: Allen Enterprises 2000 is not responsible for the accuracy of any of the information supplied by BLOGGERS.

11/15/2009 Paul's response to Ken's opinion

First, part of democracy is free speech, and all opinions are important in that they be heard by others, especially by those who govern. Second, our current form of government assumes that we trust our leadership to do the right thing, and that those decisions will benefit the majority. My best guess is that currently we are really in a form of government where "the one with the most money wins", and the interests of a few are satisfied, while the feeling among many is that they don't really feel heard. I hope this describes the problem at its core. Anyone got any solutions?
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11/15/2009 Ken has an opinion

Most people don't realize the "FEDERAL" Reserve is no more a Federal agency the Federal Express., it is a private "Banking Cartel" that has Enriched itself by expanding the money supply and Government bailout funds that they have still no Accounted to anyone where they went, except at a recent CONGRESSIONAL HEARING on C-SPAN, BERNANKE was Caught by one very smart senator from Florida admitting they gave 9 billion dollars to New Zealand banks http://www.youtube.com/watch?v=00ECLxK2YTs

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11/11/2008 Ken is selling his home in Florida

Anyone interested in gated community living in the Fort Lauderdale, Florida area, or having second home for getting away from the cold weather, take a look at the link shown below.

FYI

Got our place here up for sale,......................... if you know anyone who wants to get out of the cold, send them this link........see it here http://www.miadomo.com/4365/

listed at $83,900 but will take $79,900 ..........furnished w/golf cart in adult community.......... http://www.retirenet.com/community/292-coral-cay-plantation-els/

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9/30/2008 Living in Today's World

No. 1 Know Your Neighbors– both people and wildlife. You may find partners for neighborhood-scale ecological stewardship projects. Forward-thinking projects can create (shared) spaces that improve habitat quality and inspire community building, sociability and interaction.

Get to know the residents in your neighborhood

By building a network of local stewards within the community, you raise awareness of the diversity of wildlife with which you share your neighborhood.

Community-level stewardship projects compound the environmental value of individual efforts. By acting on shared aspirations and goals, you build community and a heightened sense of belonging to a place.

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9/8/2008 My response to Mike on his mortgage

While I have no knowlege of your program, my best guess is that you have a contract that you and the holding company has to perform on. Most likely your loan has been sold off a couple of times, and all you are dealing with is an administrative entity who handles payments etc. In other words, Fannie, Freddie, etal are long gone.
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9/8/2008 A question from Mike in Texas

What does the possible government take over of Fannie Mae and Freddie Mac mean for my mortgage?
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9/8/2008 Mike has issues with my investment analysis question

According to my Spreadsheet program, the IRR of A is 30.87% - the IRR of B is 10% Ergo A gives the best rate of return. The best investment might in fact be B if B is more Socially Responsible.
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9/8/2008 Mike from Corpus Christi, Texas writes

BTW take a look at my two web pages:

ask a question

Pax et Bonum

Mike

http://www.ststephenlutheranchurch.org The Home Page for the St Stephen

http://www.caug.org The Web site for the Coastal Area Users Group

http://ww.caug.org/bb The Bulletin Board for the Users Group join and
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9/8/2008 Matt in La Crosse asks about the Treasury, FED, andFHA

Is the Treasury, the Federal Reserve and FHFA rewarding risky lending practices by bailing out Fannie Mae and Freddie Mac?

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9/8/2008 Paul on the Mortgage Bail out

This is a very complex question to answer, but here's my take. From my reading and listening to a number of sources, the short answer is no. The plan seems to be designed such that lenders and borrowers are given hope through relief, but the relief is given with strings attached.

Having said that, my answer has to be couched in the certain knowlege that some people will continue abuse the system if given the opportunity. It boils down to people making choices to do the right thing for themselves and others. My take is that most of those people who are in trouble believed that they could get something for nothing. They, in turn, are granted that false hope by people who are really preying on them. That is my "caveat "to the short answer offered above.
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9/8/2008 Mike from Portland, OR on Mortgage Bail out

Is the bail out in the Mortgage industry incentive for bankers and others to take advantage of the system.
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9/5/2008 Matthew of La Crosse, WI on Salem, OR

I was only in Salem for a weekend, but we were able to go to the ocean, rain forest, wine country, and a mountain all in a weekend. I like that Salem is so near to a wide range of different climates.

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8/27/2008 Jason responds to Paul on Salem

Salem is definitely at a crossroads and I would agree with everything Paul says about the tide really turning. Residents are starting to feel better about the place they call home and more and more visitors are discovering us.

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8/27/2008 From Ken to Barbara on Active listening

thats what being a good listener is accomplishing, when you truely listen you are showing that they are important.

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8/27/2008 Jason from Salem's Chamber of Commerce replies to Laurie

Hi Laurie - Thanks for visiting Salem! And since you're from Wisconsin (I was born in Milwaukee)that makes it event better. It's easy to take our amazing scenery and landscape for granted. We are fortunate to have such a beautiful community and the key for us and our success in the future is to retain those qualities that make us unique while continuing to work on creating an environment where people want to do business. Collaborations and partnerships in our community have never been stronger. Our downtown core area will be home to major progress in the next few years with nine different multi-million projects coming online that will add retail, office, and housing options to our downtown. Visit us anytime! Sincerely, Jason Brandt Director of Public Affairs Salem Area Chamber of Commerce

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8/27/2008 Laurie from Madison, WI on Salem

I visited Salem once and was amazed by the beauty of the city. I wanted to bring back one of the Pine Trees to plant in my front yard. What also amazed me was how close Salem is to the Ocean!

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8/27/2008 Paul on Salem, OR

Salem is kind of a "bad news" to "good news" place for me. Part of that comes from my love of Wisconsin (my home state), but also from what I would describe as a history of "under development" that is starting to turn around. For instance, city government seems to be promoting development in some of their programs. Examples for me include the Vision 2020 program and some of the new mixed use developments in the downtown area. Another was SEDCOR sponsoring the Urban Land Institute to look at the Boise Cascade site.

The metaphor of "Salem is beginning to blossom" feels right for me. Tell us about your view of the real estate in Salem or your city.
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8/27/2008 A topic requested from Barb in Salem, OR

I think Salem is a good topic. How great it is to live here, the supportive community and the stable growth and restoration going on. I've seen so much improvement in commercial properties in the 3 years I've lived here that I wish I had invested in more real estate!
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8/27/2008 Barbara from Salem responds to Ken in FL

It's nice to "feel" important but I feel more important when I am genuinely helping make other people feel good about themselves.

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8/26/2008 Ken from Margate FL writes

I totally agree. People want to feel important, when you "don't listen respectfully", you are telling them indirectly that they are not important.

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8/26/2008 An opinion from Matthew

Actively listening to your staff or coworkers, gives everyone more incentive to work harder. It makes everyone feel like they matter. It can reveal talents in others.
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8/25/2008 Tim from Salem, OR writes

I totally agree Paul. I have been in situations where I didn't feel listened too and it felt useless to even give feedback ... i.e. "what's the point". They missed out on some very valuable feedback because of their poor listening skills.

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8/25/2008 Active Listening adds to your bottom line

From my observations, experience, and reading, people who feel heard and understood have a higher level of self esteem, and will usually reflect this in their attitudes toward their work. This makes it incumbent on us as family members, managers and owners to listen to our people, understand our people, and treat them with respect and dignity. My theory is that the golden rule really only works if we first have respect and love for ourselves.

Tell me what you think.
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8/21/2008 Barbara from Salem, OR says

She is too busy to calculate the cap rate. She is right. As the Lady Web Pro recently showcased in the Statesman Journal, I can understand why. She is responsible for helping me set up my web site, and so I thank her for taking time out of her busy schedule to answer my blog.

On another front, business people like Barbara have more than enough to do in the managing their business and keeping up with demanding clients. These are people who I can help with my specialized support services.
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8/21/2008 Here's what Matt says

Matt, a math major and computer science major from La Crosse, WI, says it's A. He says that the internal rate of return (IRR) is 36% on A and 10% on B. He didn't give an answer for the cap rate. Can anyone help him? Do you agree with his answers?
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8/19/2008 Which investment is better?

Which is the Best Investment?

Is it A or B as shown below?

Cash Flow Analysis

A B

year $(-means spent, +means income) year $

0 -500 0 -1000

1 +100 1 +100

2 +100 2 +100

3 +100 3 +100

4 +100 4 +100

5 +100+1000 5 +100+1000

Internal Rate of Return for A and B = ???

Cap Rate for A and B= ???

email your answers

hint: you can tell which is better for these by looking at the numbers above

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