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Housing finance companies increased share of mortgages last year

Housing finance companies (HFCs) grew their mortgage portfolios at a faster rate than banks  in the year up to March 31, thereby increasing their market share to 31 per cent, according to a study by Icra.

According to its estimates, the total housing credit outstanding in India as on March 31 was Rs 4,31,300 crore, as on March 31,2009, growth of 13 per cent.

The housing loan portfolios of HFCs as a whole reported a growth of 31 per cent during 2009-10, higher than the 10 per cent growth reported by commercial banks. With that, the share of HFCs in the mortgage market increased to 31 per cent as on March 31, from 29 per cent as on March 31, 2009.

Vibha Batra, Senior Vice President and Co-Head, Financial, Sector Ratings, said, “HFCs continue to maintain superior asset quality vis-à-vis public sector banks (PSBs). The top five PSBs had a gross non-performing (NPA) percentage of 2.6 per cent in their housing finance book a on March 31, against which HFCs had 0.9  per cent. Credit provisions were low for HFCs at 0.07 per cent of average advances during 2009-10.”

HDFC, State Bank of India (SBI), ICICI Bank and LIC Housing Finance (LIC HFL) dominate the domestic mortgage, together accounting for 55 per cent of the total housing credit in India as of March 31, the report said.

Credit growth in the Indian mortgage finance market improved to 13 per cent in 2009-10 from 10 per cent in the previous financial year. This was party on the strength of an improved operating environment and expectations of appreciation in property prices and partly on account of the attractive interest rate schemes offered by both banks and HFCs. The “8 per cent home loan scheme” that was initially launched by State Bank of India in August 2009 to benefit home buyers during the festive season forced other lenders to launch similar products. While most withdrew the scheme by March some large players have extended it to June.

Courtesy by BS    dtd:  June 17, 2010

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Mandatory e-pay for CA Taxpayers with +K of Tax Per Year

That Franchise Tax Board (FTB) has begun mailing notices (FTB 4106 MEO) to taxpayers who meet the mandatory e-pay threshold. The new mandatory e-pay law requires taxpayers to remit their payments electronically if their tax liability exceeds ,000, or they made estimated tax or extension payment exceeding ,000. The first payment that would trigger the mandatory e-pay requirement is the 2009 taxable year first quarter estimate that was due April 15, 2009. This first payment did not have to be made electronically, but all future payments should be made electronically. For the 2009 calendar year the FTB will not impose the mandatory e-pay penalty (1% of the amount paid) to allow taxpayers and practitioners additional time to implement practices and procedures to comply with the requirement. (FTB e-file News, 05/05/2009)

Electronic Payment Methods

Make your tax payment using one of the following methods:

Pay online with Web Pay. Request an Electronic Funds Withdrawal (EFW) on your e-file return.  [From GROCO:  This needs to be set-up with your tax return preparer..] Pay by credit card.

A pay-by-phone option will be available in July 2009.

You may only send tax payments due to the Franchise Tax Board electronically using one of the methods above. If you owe tax to other agencies that require an electronic payment, you must make those payments directly to them.

NOTE: Making a payment using your bank’s online bill payment system is not an electronic payment. Your bank mails a paper check to FTB which does not meet the requirement to pay electronically.

For the complete story of e-pay, please see the FTB’s website at the link below.

http://www.ftb.ca.gov/individuals/Mandatory_e-pay.shtml

I am always available for questions or comments at (510) 797-8661 x237.

You have thought for some time. There is a good opportunity You have tightened up and said: “Next year I will start my own business.” Guess what? That next year, and there is no better time than the present to start your home business.

So what’s the secret?

Is there a secret to creating and earn money with a Home Business? What happens to a lot of money? If there is only a small number of people who can be successful? Where can we go? In my quest for success at home entrepreneur, I found two essential ingredients for success: a good attitude and great determination. Call me crazy, but we can do all this and it will not cost us a penny.

But I have no money for starting a business at home

We often have the situations we find we are made, and see no way to start a Home Biz. Perhaps you are being broke with barely enough money to survive, let alone a house to start business. You can be a single mother of increasing your family for themselves. Perhaps you’ve been burned your way through several work at home scams and have given up the idea that you make a home business.

It is easy to tell you that you never start, let alone a home business to start, because this or that reason. It is easy to rationalize “Well, great people who are successful, they probably had a lot of money to start their businesses and they probably knew all the right people.” Well, it’s usually not the case. Every self will tell you how it really was to make their business a success. There always comes a lot of hard work!

What are you focused on?

was many years ago I taught my youngest daughter on his bicycle without training wheels to be mounted. It was on the road, and was very nervous on the implementation of the road. If they would start to sell it immediately on the sidewalk, and sure enough, she was on her head. I told her: “Look where you want to go, not where you do not want to go.” It’s funny how when you look straight on the bike straight, but if you are to where you do not want to go until the end.

The mind is a wonderful machine, and it may be our best friend. If you keep saying that you can be successful, you can make money doing what you love to happen, your mind, a way for the find. A quote from Edward Vernon Rickenbacker said: “I think if you think about the disaster, you will receive. Brood of death and destruction will accelerate. Think is positive and confident secure with confidence and faith, and life, exciting action, more rich and successful experience. “

Make your dreams become reality – earn money doing what you love

If you have the type of business you want to do, think, think what you love to do. Try to not focus on a business because you will be informed all the money that you can do. Instead, it’s like to do what you want. Everything you do naturally gifted.

All businesses take time to grow and earn money. Even those who will tell you a lot of money to be made. Would not you rather work hard to make something, taste the pleasures of life?

It’s Up To You

No matter where you come from , is your attitude and determination that will ultimately decide the fate of your home business. If you want to work at home badly enough, then you need on a daily basis that you will find a way to make this happen can say, and you will be a success. To do this, and start your company does not only grow but thrive and. With a positive attitude and determination can move mountains!

Sharia-Compliant Fund Providing Extremely Low Risk Investments and Consistent Annual Double Digit returns for 10 – 20 – 30 Years!

Cabal Capital Management, LLC announces the launch of the Legacy Fund which provides special alternative investment opportunities into extremely low risk, and very high financial return Advanced High Income Generation Projects through direct investments.

This fund which is not a private equity fund and is Sharia-Compliant is unlike all other investment pool funds, hedge funds, etc. that exist today by offering investments that are focused on both strategic and tactical investment opportunities into Highly Advanced Income Generating Project(s) producing crucial and vital, very high demand commercially valued product(s) that are being sold directly into the largest “Major” Consumer Universal Demand Markets in the world.  These investments allow risk adverse accredited investors the ability to participate in the revenues generated from these projects which allows for and achieves both capital growth and preservation, while providing the investor an extremely low risk opportunity with the benefit of dependable and sustainable alpha generation and the long term growth from these projects.  These fully integrated projects have been designed to last 40 to 50 years or longer for their life cycles regardless of the global financial and credit markets.

Our fund is well positioned to effectively tap into these markets to the benefits of our investors.  The growth dynamics of the United States and Western Europe is based upon local, regional and domestic consumption of all the products these projects produce.  This fund is targeting routine and consistent annual double digit returns (15 – 21%) to investors un-correlated to all securities, commodities, currencies and the credit markets themselves since there will not be any exposure to these markets.  All project investments within this special investment vehicle have been specifically developed and designed to perform across various business cycles regardless of global economic conditions to include recessionary and depressionary environments as well.

The current global credit crisis, current stock market contractions and wild swings in the commodities markets does not and will not impact our ability to produce consistent annual double digit returns now or in the future for our investors since we will never have, need or rely on the credit markets to establish margin accounts or leveraged positions which most all hedge fund type investment vehicles require to operate.  We do not require nor will we ever utilize prime services which the large investment banks provide (Bear Stearns, Lehman Brothers, Merrill Lynch, etc.). We do not rely on the stock, commodity or currency exchanges to generate income since we can not control any of the events occurring in those exchanges for our investors, thus we are totally un-correlated to all securities, commodities, currencies and credit markets. 

In the case of Deflationary and Inflationary Markets, they will have no real effect on these projects and the products they produce.  Coincidentally inflation will only increase the value of the products coming out of the projects. Deflationary markets will have very minimal impact on the products produced within these projects since these products are and always will be vital for any country to maintain a stable economy, thus they will always be in very high demand through out the world regardless of the global economic conditions. 

Risk issues are always addressed through risk management and the review procedures for each and every investment made.  Unlike most projects which have been developed, planned and master planned, every assumption for each project invested in has been tested, validated, verified and proven or it’s not incorporated into these project(s).  Each and every project is also backed up by a detailed Input / Output Financial Cash Model which is a detailed Program / Project Financial Blueprint that shows the quarterly inter-relationships of investments, operational production revenues, operational expenses at all levels, taxes, imposts and fees, special circumstances events, and financial obligations during the life of the Program / Project.

Since energy production and consumption is the key element to any industrialized country, and with energy consumption increasing globally at an annual rate of 5 – 6 %, energy is and always will be vital to both the U.S. and Western European Economies. Allocating to Energy and Bio-Fuels production are two major key areas of involvement and investments within our seven pronged program investment strategies approach, which consists of the following options available to us:  Energy:  Oil & Gas (Example Project to follow), Bio Fuels:  Algae Based Bio-Diesel and Jatropha Curcas {plant} direct fuel source.  Algae Based Bio-Diesel is a direct fuel source currently available and ready for full scale production and delivery {This is Direct Fuel Source and is not a blend for gasoline or other fuel sources!} Algae Based Bio-Diesel Fuel production utilizes proprietary photo enhanced, micro nutrient enhanced, continuous flow, automated, sensor quality controlled, bio-chemical industrial processes and then are pressed, centrifuged, oils separated from water, water treated, cooked, cracked and treated all within a 12 hour cycle (Start to Finish) to complete one batch made ready for use in any diesel engine.  Initially 270 Million Gallons per quarter to several Billion Gallons of bio-diesel per quarter will be produced depending upon the initial size of a project program.  This Algae Based Bio-Diesel Fuel source has a Cetane Rating of 105 -117 compared to 80 – 85 Cetane Rating for #1 diesel fuel currently produced by all the major oil companies, which provides more power, better millage and performance while emitting 60 – 70% less emissions across the board vs. normal standard crude oil based diesel fuels. This Algae Based Bio-Diesel product emits no sulfur and or nitrogen into the atmosphere, Alternative Energy:  Solar / Concentrated Solar Thermal Power Production, Wind and Electric Fuel Cell Systems, Natural Resources:  Gold, Platinum and other Precious Metals Groups and Diamond Mining: Refining, Assaying, Separation using advanced physical technologies and Bullion production of Gold and Platinum as well as Processing, Cutting, Valuation Appraisals of Diamonds and other Precious Stones, Water:  Proprietary Water Science / Technology to Produce Fresh Drinking Water to meet Agricultural, Industrial and Human Public Health needs in critically water short areas through Water production, bottling facilities and distribution.  This can be accomplished with any available water supply {in ground water tables, above and below ground reservoirs with a high saline content normally not recommended for human consumption}, Sea Waters & Brackish Waters anywhere Globally, Hydroponics:  Food Production: Fish Shrimp, Prawns, Fruits Vegetables utilizing USDA inspectors to garner Grade A Choice Status to include direct marketing into Major U.S.A. and International Consumer Demand Markets, and Special Opportunities: Aviation Fuels: JP-1 to JP-12 for Commercial and Military Applications from Algae Based Direct Fuel Sources as well as Advanced Hyper-Speed Information Technologies and other Advanced High Income Generation Project Opportunities as they become available.

It should be noted that traditional large project investments consist normally of only one income generation production element and typically requires three years at the earliest before the investors see any type of modest return on their investment.  Our projects produce immediate results in the first year due to their very nature and global demand.  These Exclusive World Class Projects which are available to us for investments have no less than 2, but normally include 5 or more Major Integrated Income Production Elements within each project.  It should also be noted that each income producing element within these projects are so strong that they could stand on their own and support the entire project, which is why many of these elements are developed together to form an Advanced Integrated Income Generation Project depending upon the requirements and location of the program.

All of the projects that this special opportunity fund invests in involve Proprietary Advanced Technologies and Advanced Physical Science / Processes (not known to the great majority of Asset Manager Companies Staffs).   Other types of investment pool managers, hedge funds, etc. do not know or even have access to these world class development engineering people and the technologies assets and projects that they develop, implement and manage.  Currently we have in excess of $10 Billion Dollars worth of Advanced High Income Generation Projects available to us for investments.

These projects are developed, implemented and managed by Highly Reliable, Senior Internationally Experienced Technical Managers, Senior Science Managers and Senior Logistics / Project Security Management Staff.  There are in excess of 300 Top Level Executive Technical Managers with over 30 years of Experience in each of their perspective Development Sectors available for all projects that our fund invests in.  These projects are designed to insure extreme depth of expertise and experience management which is available to any project at any and every stage of the project program, regardless of location of the project anywhere globally.

We understand that most  Investors, Sovereign Wealth Funds, Major International Banks, Hedge Funds, Fund of Funds, Private Equity Funds and others do not have the technical resources, capability, background and or understanding to evaluate, determine and differentiate between good and bad Large Advanced High Income Generation Projects, Project Developers, Project Implementation Capability and Management of Highly Integrated Multiple Income Steam Revenue Generation Projects. 

This is the strength of the Asset Manager and where he excels; during the past several years  he has been mentored, tutored and trained by some of the oldest and most highly respected, responsible, highly sought after and experienced Development Engineers who have planned, master planned, developed, managed, evaluated and trouble shot Economic Development Projects, Strong Multiple Stream Income Generation Projects, conducted Nation Building and Humanitarian Projects in over 65 countries during the past 40 years.  The training he has received allows him to thoroughly review, comprehend and evaluate Project Development, Project Implementation, Logistics, Security and Management of these projects as well as the risk management associated with each potential investment.  This process has provided him with the understanding, knowledge and insights of Project Development, Implementation, Logistics Operations and Infrastructure development of large income generation projects to determine unequivocally, which Highly Advanced Income Production Projects are viable and which ones are questionable investments at best.

Another Special Note of consideration is that each investment will bring with it potential tax advantages not typically found with other types of investments.  Depending on where the project(s) are located and how the project are legally structured and set up (Development Corporations, Development Authorities, etc. which are authorized by local, state or federal governments) could result in tremendous tax advantages, which each investors tax advisor will need to qualify and determine the best approach for each investors own tax liabilities depending upon their current tax status, situation and strategies.

The results of this Special Investment Vehicle fund are highly advantageous investment opportunities that by far exceed the majority of investment opportunities available to investors from a financial return as well as extremely low risk standpoint by investing in Outstanding Advanced High Income Generation Projects carried out by highly reliable and responsible individuals and organizations.

Face to face meetings are welcomed and encouraged in order to qualify, verify and validate these investment opportunities which stem from the Americana way of project development and implementation with the application of Science, Engineering, Logistics, Security and Management which dates back to over 200 Years during the American Expansion of the United States of America.  Never before in the history of mankind has the shear number and sizes of these Consumer Universal Demand Markets been in place and more importantly, primed and ready to handle and accept these vital, crucial and very high demand, commercially valued products coming from these projects.

Headquartered in San Antonio, Texas, Cabal Capital Management, L.L.C. is managed by Kent Sullivan:  www.cabalcapitalmanagement.com

** Fully Integrated Dual Element – Oil & Gas / Real Example Project **

This Oil & Gas production program is headed up by a Top Level Senior International Consultant who is an Oil and Gas Industry Executive which has been involved in the Oil & Gas Industry over the past 50 years.  This Oil & Gas Executive is the Systems Developer, Scientist, Equipment Designer and Engineer who is recognized as an expert in his field by the U.S. Department of Energy who also has called him upon him frequently in the past to trouble shoot particular Oil and Gas fields as a technical advisor and as a trouble shooter to rectify any and all problems associated with troubled oil and gas production fields.

This Top Senior International Consultant has a proprietary and proven 12 step methodology for siting, drilling, completing and production techniques for all wells.  He has a historical commercial success rate of 92% for bringing in all of his wells sited, drilled, completed and producing which also has a normal life span of 15 to 20 plus year’s worth of production.

This Advanced High Income Generation Oil and Gas project is comprised of the following:  A Top Down Electric Air Hammer System which is highly sensorized with Professional Engineers and Scientists managing all operational positions.  These auto sensor rigs provide detailed information by satellite to a centralized operations and training center where all decisions are made by people with 45 – 50 years of successful completion and production experience.

Each oil and gas well completed will be drilled in both soft and hard rock beds and will vary in depths from 3,000 feet to over 13,000 feet.  All wells in this program will be completed initially in the state of Texas, in the United States of America.

Typical production wells will produce 60 barrels of oil per day to 500 – 600 barrels of oil per day and the gas wells will produce in a typical range of 2 million cubic feet of natural gas per day to in excess of 20 million cubic feet of natural gas per day. The total net operating investment will be returned within 4 months of production for each well.

Multiple producing formations will be completed and isolated with proprietary tools and instruments which will be operated simultaneously through out the life of the wells.  The typical life of these well are 15 – 20 years because of the 12 different proprietary methods used for siting, drilling, completion and production techniques, tools, proprietary materials and instruments used on each and every well which prevents formation damage and increases the life cycle of each well to maximize the highest production obtainable.

This program consists of hundreds of oil and gas wells sited, drilled, completed and in production within a 1 – 2 year period.  These wells will be sited, drilled and completed in historically very well known and documented oil and gas producing formations within the state of Texas, in the United States of America.

Investors will receive an estimated 15 – 21% annual return per year on their investment, with payments coming at the end of each year from this program.  The threshold investment will be an aggregate amount of $400 hundred million dollars which is what the minimum program investment calls for.  A $10 Million dollar minimum investment is the entry point for this program, with all others being on a case by case basis.

Estimated program revenues are based on $60 dollars a barrel and $6.5 dollars per thousand cubic foot of natural gas.  Over the last year crude oil (West Texas Intermediate) has sold as low as $50 dollars a barrel up to as much as $147 dollars a barrel.  Over the past year natural gas has sold from $5.5 dollars a thousand cubic foot to $11.3 dollars per thousand cubic foot.

Example Oil & Gas Well Profile:  One well; properly sited, drilled, completed and producing will conservatively produce 100 barrels of oil per day and 4 million cubic foot of natural gas per day.  This provides the overall program (100 barrels x $60 per barrel = $6,000) $6,000 dollars per day of revenue.  Each 4,000 cubic foot of natural gas (4,000 x $6.5 per thousand cubic foot = $26,000) $26,000 dollars per day of revenue.  Total revenue for this example is estimated at $32,000 dollars per day of program revenue for this example.

** All wells in this program will not produce the same **

Each month this represents a program return of (30 days x $32,000 = $960,000) $960,000 dollars of revenue coming from this one (1) example well.  The investment program we are offering involve several hundreds of program wells being sited, drilled, completed and operating within a 1 to 2 year period.

Remember, this is only two elements of a fully integrated Advanced High Income Generation Project which will involve in most cases several other elements (normally 5 or more) to generate very substantial amounts of revenues over the course of the project life.  With the combination of several other Advanced High Income Generation Elements within one project, this will enhance the financial returns and revenues of the program itself, and thus will also greatly reduce and virtually eliminate any associated risk due to the diversification of the different Major Income Generation elements within each project.

Once again, the result of this Special Investment Vehicle fund are highly advantageous investment opportunities that by far exceed the majority of investment opportunities from a financial return and an extremely low risk standpoint by investing in Outstanding Advanced High Income Generation Projects.

Headquartered in San Antonio, Texas, Cabal Capital Management, L.L.C. is managed by Kent Sullivan: www.cabalcapitalmanagement.com