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Dreaming of the perfect getaway? Consider a trip to Lanzarote, the easternmost Canary Island located just 80 miles off the coast of Africa in the Atlantic Ocean. This remote island is famous for white sand beaches and volcanic landscape, a remnant from eruptions in the 18th and 19th centuries. The island is owned by Spain, so brushing up on your Spanish prior to Lanzarote travel is always a good idea.There are many beautiful accommodations in Lanzarote. The island features luxurious hotels, comfy bungalows and villas and rental apartments. Many resorts feature beach-front properties that put you just footsteps away from Lanzarote’s gorgeous beaches. If the village lifestyle is more your thing, look for accommodations near the town of Macher, a quiet local village.The best way to book Lanzarote travel is through a vacation club. By paying an upfront fee, you can access deep discounts to the island’s best properties. As an added bonus, you will also receive discounts to luxury hotels around the world. With a vacation club membership, you can use membership discounts to return to Lanzarote for years to come or to explore other island getaways.Once on the island, you will find activities to suit all lifestyles. Boat and fishing tours are popular choices for all tourists. The north coast of the island is known for surfing, sailing, windsurfing and power boat racing due to rougher seas and stronger winds. Tour operators provide hiking tours of the island’s volcanoes, which give views of the area’s lava tubes and caves. Of course, relaxing by the beach or pool is always a tempting option for those seeking a relaxing vacation.Lanzarote is a great vacation spot for all types of families. Grab a vacation club membership, book Lanzarote travel and you’ll be on your way to a dream vacation in no time.

Although serious supply-demand imbalances have continued to plague real estate markets into the 2000s in many areas, the mobility of capital in current sophisticated financial markets is encouraging to real estate developers. The loss of tax-shelter markets drained a significant amount of capital from real estate and, in the short run, had a devastating effect on segments of the industry. However, most experts agree that many of those driven from real estate development and the real estate finance business were unprepared and ill-suited as investors. In the long run, a return to real estate development that is grounded in the basics of economics, real demand, and real profits will benefit the industry.Syndicated ownership of real estate was introduced in the early 2000s. Because many early investors were hurt by collapsed markets or by tax-law changes, the concept of syndication is currently being applied to more economically sound cash flow-return real estate. This return to sound economic practices will help ensure the continued growth of syndication. Real estate investment trusts (REITs), which suffered heavily in the real estate recession of the mid-1980s, have recently reappeared as an efficient vehicle for public ownership of real estate. REITs can own and operate real estate efficiently and raise equity for its purchase. The shares are more easily traded than are shares of other syndication partnerships. Thus, the REIT is likely to provide a good vehicle to satisfy the public’s desire to own real estate.A final review of the factors that led to the problems of the 2000s is essential to understanding the opportunities that will arise in the 2000s. Real estate cycles are fundamental forces in the industry. The oversupply that exists in most product types tends to constrain development of new products, but it creates opportunities for the commercial banker.The decade of the 2000s witnessed a boom cycle in real estate. The natural flow of the real estate cycle wherein demand exceeded supply prevailed during the 1980s and early 2000s. At that time office vacancy rates in most major markets were below 5 percent. Faced with real demand for office space and other types of income property, the development community simultaneously experienced an explosion of available capital. During the early years of the Reagan administration, deregulation of financial institutions increased the supply availability of funds, and thrifts added their funds to an already growing cadre of lenders. At the same time, the Economic Recovery and Tax Act of 1981 (ERTA) gave investors increased tax “write-off” through accelerated depreciation, reduced capital gains taxes to 20 percent, and allowed other income to be sheltered with real estate “losses.” In short, more equity and debt funding was available for real estate investment than ever before.Even after tax reform eliminated many tax incentives in 1986 and the subsequent loss of some equity funds for real estate, two factors maintained real estate development. The trend in the 2000s was toward the development of the significant, or “trophy,” real estate projects. Office buildings in excess of one million square feet and hotels costing hundreds of millions of dollars became popular. Conceived and begun before the passage of tax reform, these huge projects were completed in the late 1990s. The second factor was the continued availability of funding for construction and development. Even with the debacle in Texas, lenders in New England continued to fund new projects. After the collapse in New England and the continued downward spiral in Texas, lenders in the mid-Atlantic region continued to lend for new construction. After regulation allowed out-of-state banking consolidations, the mergers and acquisitions of commercial banks created pressure in targeted regions. These growth surges contributed to the continuation of large-scale commercial mortgage lenders [http://www.cemlending.com] going beyond the time when an examination of the real estate cycle would have suggested a slowdown. The capital explosion of the 2000s for real estate is a capital implosion for the 2000s. The thrift industry no longer has funds available for commercial real estate. The major life insurance company lenders are struggling with mounting real estate. In related losses, while most commercial banks attempt to reduce their real estate exposure after two years of building loss reserves and taking write-downs and charge-offs. Therefore the excessive allocation of debt available in the 2000s is unlikely to create oversupply in the 2000s.No new tax legislation that will affect real estate investment is predicted, and, for the most part, foreign investors have their own problems or opportunities outside of the United States. Therefore excessive equity capital is not expected to fuel recovery real estate excessively.Looking back at the real estate cycle wave, it seems safe to suggest that the supply of new development will not occur in the 2000s unless warranted by real demand. Already in some markets the demand for apartments has exceeded supply and new construction has begun at a reasonable pace.Opportunities for existing real estate that has been written to current value de-capitalized to produce current acceptable return will benefit from increased demand and restricted new supply. New development that is warranted by measurable, existing product demand can be financed with a reasonable equity contribution by the borrower. The lack of ruinous competition from lenders too eager to make real estate loans will allow reasonable loan structuring. Financing the purchase of de-capitalized existing real estate for new owners can be an excellent source of real estate loans for commercial banks.As real estate is stabilized by a balance of demand and supply, the speed and strength of the recovery will be determined by economic factors and their effect on demand in the 2000s. Banks with the capacity and willingness to take on new real estate loans should experience some of the safest and most productive lending done in the last quarter century. Remembering the lessons of the past and returning to the basics of good real estate and good real estate lending will be the key to real estate banking in the future.

National health care is a hot issue all over the world at the moments, but in no country more so than in the United States. As health care is not provided free as a rule, there are major debates regarding affordability and value for money. Fewer and fewer people every year have insurance cover should anything happen to them and as a result society is beginning to deteriorate. Very few people would be able to afford expensive health care and thus fewer people are spending on it and prices rise to recoup lost costs and profits. The medical services suffer as a result.Companies used to provide healthcare as standard in every benefits package, but fewer are now offering it. Instead, they are finding ways around it, like using agency applicants rather than taking on individuals to fill job roles independently. Agency fees are generally lower than those charged by insurance companies to ensure that employees are sufficiently covered. However, as hazards in the workplace increase, the nation’s health is beginning to suffer and calls for a national health care system are growing in momentum and volume. A national health care system has already been implemented in the UK and has proved successful so there is a good model to base a US service on.Health costs in the USA are higher than anywhere else in the world at the moment, which does price it out of range for the average person on the street. However, as other national health care systems have proved, health care that is readily available as well as affordable can improve the economy and improve the nation’s health on the whole!Affording National Health CareIt is not a question of whether individuals could afford national health care because, by its nature, it is whether the government can. There are a number of ways that it could be funded. In most cases, the cost is actually funded via taxes. Nobody pays for individual care but there is a flat rate of tax added on to a bill at the end of the year. It could actually be taken straight from an individual’s pay packet every month so that it is not as noticeable for an individual.If it is deemed desirable to keep health insurance as it is now then it may be possible to offer a flat rate for individuals looking to take out the insurance for a national health care system, with the government subsidising it. This would make it more affordable and health care more widely available without adding a tax. However, what would happen if some individuals did not have national health care insurance? Would they be refused treatment? As a result of this question, there are a number of arguments that pick at the flaws. There is also nothing to say that the overall costs can be lowered.National health care does work if it is implemented correctly and it can dramatically improve the nation’s health as a whole, but there may be problems with initial implementation. As long as health care is made available for all at affordable rates, anything is worth a try!