. :-)I'm gonna go back to my normal lurker status now; gotta read all the blogs and forum posts so when my time comes, I'm ready as possible.Eric, it sounds like you own a shirt and tie from working at a bank?

I own a screen printing shop (t-shirts, embroidery etc.) and am now going through the steps of getting a traditional loan.

Landscape: we get the quote of $20K for stamp concrete.

In addition to the high prices, there also exists a stamp duty and additional stamp duty for subsequent houses making real estate investment in Singapore quite difficult for a beginner like me with pretty much no capital hence I am looking at markets overseas.

That is a lot of money to spend for such a large cost for envelopes, stamps and the labor to stuff the envelopes.For telephone campaigns, my software will eliminated all the records that do not have phone numbers and the software allows the telemarketer to document the results for each phone call.

I have seen investors losing their shirts here in SF Bay Area during downturn of 2008/09 because they were over leverages and banking on appreciation while generating negative cash flow.

For those with predatory attitudes, please go sell shoes and T-Shirts, get out of real estate because there are different laws and rules in real estate.

Using my scenario here in SF, since a lot of these people "invested" based on appreciation rather than cash flow, they lost their shirt when the market slowed down since their "investments" no longer appreciated as much as it used to.

I'm not "hot".I own a t-shirt that says, "Yes they are real.

When the city approves the plans, the city stamps them and issues a permit.