Investment Options. Why Brazil. Social Housing. The Benefits of Social Housing. The Investment. Exit. Security

Size: px
Start display at page:

Download "Investment Options. Why Brazil. Social Housing. The Benefits of Social Housing. The Investment. Exit. Security"

Transcription

1 Investment Options Why Brazil Social Housing The Benefits of Social Housing The Investment Exit Security

2 Safe but little returns High return but unpredictable timescales High returns but risky Most trusted form of investment

3 Residential Real Estate Commercial Real Estate Social Housing

4 Why Brazil?

5 Brazil Investment Facts Low cost of living and Real estate Huge Housing Deficit Brazils Government has an estimated a housing shortage of between 8 and 10 million, with the North East accounting for more than a third of this demand. Government dedicated to growing the tourism sector Extensive and on-going investment into infrastructure and transportation Over 300 days of sunshine per year Friendly and welcoming people More than 3,300 kilometres of tropical beaches Unaffected by terrorism or natural disasters

6 What is Social Housing Social housing or affordable housing is a term used for homes built by a government for families with low incomes. As the economy in Brazil has grown to become the 7th biggest in the world and is continuing to rise, the demand for housing has increased. Property supply simply can t keep up with demand and, added to this, millions of families in Brazil live in sub-standard housing. In 2009 the government announced the Minha Casa, Minha Vida social housing programme. Minha Casa, Minha Vida Overview As a way of reducing the property shortage in Brazil and helping families to buy a home, the government introduced the Minha Casa, Minha Vida (My House, My Life) social housing programme in The programme aims to build 3 million homes in the short to medium term.

7 MCMV Eligibility Criteria Households with a total income of up to 3 times the minimum wage (currently at $465 BRL per month) can access the full allowance without any insurance and notary registration costs to pay; Households with a total income between 3 and 6 times the minimum wage can gain income supplements for loans; a discount on the cost of insurance; a 90% reduction of the notary registration cost and access to the guaranteed' fund (which will cover in the case of unemployment, death or other specified circumstances); Households with a total income of between 6 and 10 the minimum wage can receive lower costs of insurance, an 80% reduction of the notary registration cost and access to the guaranteed' fund.

8 Social Housing program Launched 7 million Homes needed across brazil Government can only produce 3 million by Million Brazilians left without a home although Brazilian government have given them full funding to own their own home

9 Benefits of investing in Social Housing Low Entry level Short term High returns Not reliant on world economies Demand is overwhelming Government Backed Exit with huge waiting list of end buyers Helping a family secure their first home Sam Zell Real Estate Tycoon $500,000,000+ invested into Brazil since 2007

10 The Investment 23,000 Investment 20% fixed Return within 12 months Structured via Lawyer operated Lloyds TSB Escrow Facility Award winning developer with existing track record in Brazil with completed social housing phases Government backed exit strategy No currency exposure & full control of funds

11 Exterior Interior

12 2 Bedroom Social Housing Unit

13 The Government Backed Exit The Launch of the Minha Casa, Minha Vida program in 2009 provides funding for Brazilians to purchase one of our units. As soon as you invest, Your unit s construction begins and it is at this initial stage when a family on the MCMV waiting list is assigned to this unit with funds being provided upon completion which takes 3-4 months. The Brazilian Government are also in charge of setting a fixed sale price of our units which is 30,000 and this is where your return comes from. In Natal alone, there are currently over 60,000 people on the MCMV waiting list. The government is on track to build homes for 20% of these people which is why we are helping with the load. President of Brazil: Dilma Rousseff

14 Security Your funds are placed into a Lloyds TSB Escrow facility in the UK which is managed by a UK Registered Lawyer. Your funds are protected by set criteria and can only be used on the build of your individual unit and are taken in arrears. No need to worry about sending your money to Brazil We are building social housing units because there is a huge demand for this type of housing in Brazil. The demand is so overwhelming, your Unit is allocated and sold as soon as construction starts within days of you investing your money. The sale price is set and fixed by the Brazilian government and not by us which means we know how much each unit it worth before we build it. Is my money protected Will my unit sell FAQ

15

Notice to the Market OPERATIONAL PREVIEW 4Q17 and 2017

Notice to the Market OPERATIONAL PREVIEW 4Q17 and 2017 Construtora Tenda S.A. CNPJ/MF Nº 71.476.527/0001-35 NIRE 35.300.348.206 Notice to the Market OPERATIONAL PREVIEW 4Q17 and 2017 Launches expansion to R$1.7 billion and acquisition of R$3.9 billion in potential

More information

1Q10 Results. Conference Call. Tenda. Alphaville. Gafisa. Investor Relations Contact Luiz Mauricio de Garcia Paula

1Q10 Results. Conference Call. Tenda. Alphaville. Gafisa. Investor Relations Contact Luiz Mauricio de Garcia Paula 1Q10 Results Conference Call Tenda Alphaville Gafisa Investor Relations Contact Luiz Mauricio de Garcia Paula ri@gafisa.com.br 1 Safe-Harbor Statement We make forward-looking statements that are subject

More information

What it means to carers. On the day briefing Overview

What it means to carers. On the day briefing Overview Autumn Budget 2017 What it means to carers. On the day briefing Overview We are deeply disappointed that there is no additional support for social care in the short term to stave off the crisis on social

More information

2011 BRAZIL MARKET REPORT

2011 BRAZIL MARKET REPORT 2011 BRAZIL MARKET REPORT What people in the know are saying about Brazil Brasil has more than US$200 billion in reserves and is therefore protected from turbulences in the financial markets Former Brazilian

More information

Hafod Housing Association A Guide to Homebuy. A Guide For First Time Buyers

Hafod Housing Association A Guide to Homebuy. A Guide For First Time Buyers Hafod Housing Association A Guide to Homebuy A Guide For First Time Buyers Hafod Housing Association Limited is authorised and regulated by the Financial Conduct Authority April 2014 1 What is Homebuy?

More information

Green Design Offices São Paulo SP Launched in May/10 2Q10 RESULTS AUGUST,

Green Design Offices São Paulo SP Launched in May/10 2Q10 RESULTS AUGUST, Green Design Offices São Paulo SP Launched in May/10 2Q10 RESULTS AUGUST, 12 2010 Escritórios Mooca São Paulo - SP Launched in May/10 2Q10 Results Introduction Elie Horn Operating and Financial Results

More information

The Foreign Exchange Market

The Foreign Exchange Market The Foreign Exchange Market Multiple Choice Identify the choice that best completes the statement or answers the question. 1. The market in which foreign currencies are traded is known as the: A. stock

More information

Earnings Release 4Q15 and 2015

Earnings Release 4Q15 and 2015 FOR IMMEDIATE RELEASE - São Paulo, March 3, 2016 Gafisa S.A. (Bovespa: GFSA3; NYSE: GFA), one of Brazil s leading homebuilders, today reported financial results for the fourth quarter and year ended December

More information

The Key Worker Living guide to Homebuy. settle for more. Homebuy - the equity loan scheme for key workers

The Key Worker Living guide to Homebuy. settle for more. Homebuy - the equity loan scheme for key workers The Key Worker Living guide to Homebuy settle for more Homebuy - the equity loan scheme for key workers This is your guide to buying a property through the Key Worker Living Homebuy scheme. Homebuy is

More information

A NEW ERA IN HOTEL LIVING

A NEW ERA IN HOTEL LIVING A NEW ERA IN HOTEL LIVING 1 MENU Click on titles below to go to a section 1 8 MANAGEMENT 2 INVESTMENT 9 PURCHASE PROCESS 3 FINANCIAL ANALYSIS 10 LEGAL INFORMATION 4 WHY? 11 INVESTORS SERVICES 5 WHY INVEST

More information

Learning Journey. Zurich Brazil

Learning Journey. Zurich Brazil Learning Journey Zurich Brazil Pick 4 a Dollar Contents Project Basics... Error! Bookmark not defined. About the project... Error! Bookmark not defined. Project Update... 2 Key Indicators... 2 What is

More information

Results for half year ended 30 September 2018

Results for half year ended 30 September 2018 CARCLO PLC Results for half year ended 30 September 2018 13 November 2018 Introduction 2 Financial highlights Revenue flat at constant currency Underlying PBT down 22% due to CTP underperformance and production

More information

OVERVIEW. Doing Business in Brazil Practical Business and Legal Considerations. Fabiano Gallo September, 2016

OVERVIEW. Doing Business in Brazil Practical Business and Legal Considerations. Fabiano Gallo September, 2016 OVERVIEW Doing Business in Brazil Practical Business and Legal Considerations Fabiano Gallo September, 2016 Impeachment of President Dilma Roussef I m p e a c h m e n t of P r e s i d e n t D i l m a R

More information

PANORAMA GARDENS INVESTMENT REPORT

PANORAMA GARDENS INVESTMENT REPORT The content of this promotion has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion, for the purposes of engaging in

More information

Notice to the Market PREVIEW OF OPERATIONAL RESULTS 1Q17. Gross sales reached a record R$424 million since the introduction of the New Model projects

Notice to the Market PREVIEW OF OPERATIONAL RESULTS 1Q17. Gross sales reached a record R$424 million since the introduction of the New Model projects Construtora Tenda S.A. CNPJ/MF Nº 71.476.527/0001-35 NIRE 35.300.348.206 Notice to the Market PREVIEW OF OPERATIONAL RESULTS 1Q17 Gross sales reached a record R$424 million since the introduction of the

More information

Brazilian Economic Outlook Guido Mantega Minister of Finance

Brazilian Economic Outlook Guido Mantega Minister of Finance Brazilian Economic Outlook Guido Mantega Minister of Finance The High-Growth Markets Summit 2012 London, 21 st September 2012 1 The world economy remains in a deep crisis, while growth resumes in Brazil

More information

The One Year 12% Interest Investment Offer

The One Year 12% Interest Investment Offer Creating Value through Competence and Capital! The One Year 12% Interest Investment Offer Through one of our Partners we are able to offer a 12 months Investment - paying 12% interest. Economic Consultants

More information

Who Can Build Social Rented Housing? Susan Torrance, Policy Manager, Investment, Asset Management and Development

Who Can Build Social Rented Housing? Susan Torrance, Policy Manager, Investment, Asset Management and Development Who Can Build Social Rented Housing? Susan Torrance, Policy Manager, Investment, Asset Management and Development The clue is in the title Not mid market rent, low cost home ownership or full market rent

More information

Are You Receiving 8-10% Interest on your Investments?

Are You Receiving 8-10% Interest on your Investments? Are You Receiving 8-10% Interest on your Investments? If your answer to the above questions is no, you will want to pay very special attention. The following information could significantly increase the

More information

Investing in community shares

Investing in community shares Investing in community shares Update to Investing in Community Shares From Communities UK Co-operatives and Community Benefit Societies: All Change What are the most significant features of the new legislation?

More information

PORTUGAL REAL ESTATE: INVESTING FOR YIELDS AND MANAGING INVESTMENTS

PORTUGAL REAL ESTATE: INVESTING FOR YIELDS AND MANAGING INVESTMENTS PORTUGAL REAL ESTATE: INVESTING FOR YIELDS AND MANAGING INVESTMENTS LIO CONFERENCE CARVOEIRO, ALGARVE, PORTUGAL Crisis and opportunity, property rebounds 1. USD consistently high levels against the Euro,

More information

CITY OF SONORA HOMEBUYERS ASSISTANCE LOAN PROGRAM GUIDELINES

CITY OF SONORA HOMEBUYERS ASSISTANCE LOAN PROGRAM GUIDELINES CITY OF SONORA HOMEBUYERS ASSISTANCE LOAN PROGRAM GUIDELINES I. PURPOSE The City of Sonora s Homebuyers Assistance Loan Program provides deferred payment, silent second, mortgages to assist low-income

More information

your claim Understanding the catastrophe claim process

your claim Understanding the catastrophe claim process your claim Understanding the catastrophe claim process New Jersey D9340NJ-1 YOU SHOULD NEVER have to face a catastrophe alone. That s Allstate s stand. When severe weather or a catastrophic event occurs,

More information

Info + Insights on Affordable Homeownership in Alameda

Info + Insights on Affordable Homeownership in Alameda Hello Alameda! Info + Insights on Affordable Homeownership in Alameda Hello Housing is a non-profit organization working on behalf of the City of Alameda to manage their Below Market Rate Homeownership

More information

The role of the Brazilian Insurance Confederation in consumer protection and financial education

The role of the Brazilian Insurance Confederation in consumer protection and financial education 10 th International Microinsurance Conference Munich Re Foundation Mexico City, November 12th, 2014 The role of the Brazilian Insurance Confederation in consumer protection and financial education Solange

More information

Your Guide to Sharesave 2013

Your Guide to Sharesave 2013 Your Guide to Sharesave 2013 Share in the success you have helped to create esure Sharesave 2013 1 Invest in your future and share in the success you have helped to create. We are passionate about how

More information

MORTGAGE PRODUCT TRANSFER SERVICE

MORTGAGE PRODUCT TRANSFER SERVICE MORTGAGE PRODUCT TRANSFER SERVICE Everything you need to know about using our service WELCOME Thank you for choosing to use our product transfer service. When it comes to renewing a customer s mortgage,

More information

Forward Looking Statements

Forward Looking Statements 0 0. Forward Looking Statements A number of statements we make in our presentation, and in the accompanying slides, will not be based on historical fact but will be forwardlooking statements within the

More information

What's really happening to house prices. November How big is the fall (so far)?

What's really happening to house prices. November How big is the fall (so far)? November 2017 David Norman Chief Economist david.norman@aucklandcouncil.govt.nz 021 516 103 What's really happening to house prices Once we account for these seasonal effects, prices have fallen around

More information

practices introduced by Law 11,638/07, and the pronouncements and guidelines of the CPC Accounting Pronouncements Committee. Low Income Segment

practices introduced by Law 11,638/07, and the pronouncements and guidelines of the CPC Accounting Pronouncements Committee. Low Income Segment Contracted sales reach a record R$ 842 million, 146% up vs. 1Q09 Launches total R$ 722 million Growth of 350% (vs. 1Q09) Gross income reaches R$ 118 million, with Gross margin of 26% São Paulo, May 13,

More information

Great deals for everyday life

Great deals for everyday life Great deals for everyday life is always looking out for you when you re at work, but there s much more to life. is always looking out for you when you re at work, but there s much more to life. So Living

More information

DIRECIONAL ANNOUNCES RESULTS OF 3Q18 WITH CASH GENERATION OF BRL 287 MILLION AND 54% INCREASE IN NET REVENUE COMPARED TO 3Q17.

DIRECIONAL ANNOUNCES RESULTS OF 3Q18 WITH CASH GENERATION OF BRL 287 MILLION AND 54% INCREASE IN NET REVENUE COMPARED TO 3Q17. RELEASE OF RESULTS Belo Horizonte, November 08, 2018 - The Direcional Engenharia S.A., one of the largest real estate development and construction companies in Brazil, with focus on the development of

More information

PFIN 10: Understanding Saving and Investing 62

PFIN 10: Understanding Saving and Investing 62 PFIN 10: Understanding Saving and Investing 62 10-1 Reasons for Saving and Investing OBJECTIVES Explain the difference between saving and investing. Describe reasons for saving and investing. Describe

More information

RECOVERY SUPPORT BENEFIT FAQs

RECOVERY SUPPORT BENEFIT FAQs FAQs Contents What is Recovery Support Benefit? 3 Definitions 4 What are the key features? 4 Making a claim 5 2 Recovery Support Benefit What is Recovery Support Benefit? Returning to work after extended

More information

89 Government of the Kyrgyz Republic (2007) National. 90 International Finance Corporation (IFC) (2006), Central

89 Government of the Kyrgyz Republic (2007) National. 90 International Finance Corporation (IFC) (2006), Central A. HOUSING DEMAND AND AVAILABILITY OF HOUSING FINANCE Private investment in housing production has been constantly increasing over recent years with a 5.1 billion soms (98% of total investment) peak in

More information

ABOUT DUBAI WELCOME TO THE FUTURE

ABOUT DUBAI WELCOME TO THE FUTURE ABOUT DUBAI WELCOME TO THE FUTURE This is the city that has it all. Home to over 200 nationalities and easily accessible from just about anywhere in the world, Dubai boasts pristine beaches, rich Arabian

More information

A guide for applicants in Wales

A guide for applicants in Wales . J.\ -:i/..)/ -. llywodraeth Cynulliad Cymru Welsh Assembly Government. A guide for applicants in Wales Important - Information on repaying the Homebuy loan When you sell the home you buy through the

More information

HOW TO IMPROVE YOUR CASHFLOW

HOW TO IMPROVE YOUR CASHFLOW HOW TO IMPROVE YOUR CASHFLOW A GUIDE TO INVOICE FINANCE WE BELIEVE IN YOUR BUSINESS INVOICE FINANCE ASSET FINANCE STOCK FINANCE TRADE FINANCE FX INVOICE FINANCE EXPLAINED Managing cashflow is essential

More information

Natural Disaster Relief Policies FAQs

Natural Disaster Relief Policies FAQs TO: Freddie Mac SERVICERS November 1, 2017 Natural Disaster Relief Policies FAQs 1. Disaster Forbearance 2. Electronic Default Reporting 3. Property Inspections 4. Insurance Disbursements 5. Flex & Disaster

More information

Age Concerns response to The future of the Code for Sustainable Homes making a rating mandatory

Age Concerns response to The future of the Code for Sustainable Homes making a rating mandatory Ref: 4007 Age Concerns response to The future of the Code for Sustainable Homes making a rating mandatory October 2007 Gillian Connor gillian.connor@ace.org.uk 020 8765 7579 Policy Unit, Age Concern England,

More information

Real Estate Investment Newsletter November 2004

Real Estate Investment Newsletter November 2004 Primer on Legal Structures for Asset Protection In our society, once you have sufficient assets, people will try to take them away from you; lawsuits and taxes are a threat to your wealth. While my business

More information

FAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office?

FAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office? 800.825.7735 136 Long water Drive, Suite 100, Norwell, MA 02150 FAQ s Why should I hire Social Security Advocates for the Disabled? Hire us because we win, and we ve been winning since 1994. People that

More information

Investor Immigration Program EB-5 INVESTOR VISA

Investor Immigration Program EB-5 INVESTOR VISA Investor Immigration Program EB-5 INVESTOR VISA What is an EB5 Investor Visa? The U.S. Immigrant Investor Program - known as "EB-5" - is one of the most efficient ways for people from around the world

More information

Embargoed: LV= State of Retirement Report Ninth annual report on the state of retirement in the UK today

Embargoed: LV= State of Retirement Report Ninth annual report on the state of retirement in the UK today Embargoed: LV= State of Retirement Report 2016 Ninth annual report on the state of retirement in the UK today Foreword Last April, this Government introduced historic reforms to pensions, giving consumers

More information

Post-Brexit Britain: The UK Retirement Property Landscape Q Review

Post-Brexit Britain: The UK Retirement Property Landscape Q Review Post-Brexit Britain: The UK Retirement Property Landscape Q2 2016 Review Quarter 2 2016 Review Introduction to Quarter 2 2016 Review As the market leader for sales within the managed retirement property

More information

First Time Home Buying Steps

First Time Home Buying Steps Buying a home is one of the biggest emotional and financial decisions you'll ever make in your life time. The differences between renting and buying a home are huge, and there are numbers of pros and cons

More information

Homeownership Assistance Equity Loan Scheme

Homeownership Assistance Equity Loan Scheme Homeownership Assistance Equity Loan Scheme Catalyst Housing covers London and the South East of England. Elmbridge Borough Council Equity Loan Scheme Low-interest equity loan mortgages are designed to

More information

Incorporating material kindly provided by Property Frontiers - Investment International Friday, 16 October :21

Incorporating material kindly provided by Property Frontiers - Investment International Friday, 16 October :21 Focus on Brazil Introduction The fifth-largest country in the world, Brazil borders every country in South America except for Ecuador and Chile and straddles four time zones. Thirty-five times the size

More information

Highlights: In this quarter the number of units transferred was 31% higher than 3Q17. In the Q-o-Q comparison the PSV increased 13%.

Highlights: In this quarter the number of units transferred was 31% higher than 3Q17. In the Q-o-Q comparison the PSV increased 13%. 3Q18 and 9M18 Earnings Results São Paulo, November 14 th, 2018: PDG Realty S.A. (PDGR3) Under Court-supervised Reorganization - announces today its results for the third quarter of 2018. Founded in 2003,

More information

Costa Rica. Destination for living or investing

Costa Rica. Destination for living or investing Costa Rica Destination for living or investing Costa Rica WE ARE IN CENTRAL AMERICA Nicaragua Panamá Dynamic economy in Central America Shows bigger growth Higher per capita income and foreign investment

More information

Ile St Louis São Luis MA Launched in Aug/09. November 13, 2009

Ile St Louis São Luis MA Launched in Aug/09. November 13, 2009 Ile St Louis São Luis MA Launched in Aug/09 3Q09 Results 3Q09 Results November 13, 2009 Auge São Paulo SP Launched in Sep/09 3 rd Quarter 2009 Introduction Elie Horn Operating Results - Living Antonio

More information

Retirement by the Numbers. Calculating the retirement that s right for you

Retirement by the Numbers. Calculating the retirement that s right for you Retirement by the Numbers Calculating the retirement that s right for you Retirement should equal success Your retirement is likely the biggest investment you ll make in life. So it s important to carefully

More information

Application for Affordable Year-round Housing Seashore Point

Application for Affordable Year-round Housing Seashore Point Office Use Only: App. Rec d Postmark Rec d By Applicants Qualify For: Studio One-Bedroom Application for Affordable Year-round Housing Seashore Point Studio & One-Bedroom Apartments RETURN COMPLETED APPLICATION

More information

Presentation of 4Q12 Results

Presentation of 4Q12 Results Presentation of 4Q12 Results Disclaimer This presentation may include declarations about Mills expectations regarding future events or results. All declarations based upon future expectations, rather than

More information

2016 BUSINESS YEAR-END PLANNING UPDATE

2016 BUSINESS YEAR-END PLANNING UPDATE November 2016 AN ALERT FROM SMITH LEONARD PLLC: 2016 BUSINESS YEAR-END PLANNING UPDATE www.smith-leonard.com November 2016 2016 BUSINESS YEAR-END PLANNING UPDATE Year-end planning for businesses is particularly

More information

Interim Financial Statements (ITR) MRV Engenharia e Participações S.A.

Interim Financial Statements (ITR) MRV Engenharia e Participações S.A. Interim Financial Statements (ITR) MRV Engenharia e Participações S.A. Interim Individual and Consolidated Financial Statements for the Quarter ended March 31, 2018 and Report on Review of Interim Financial

More information

RESIDENTIAL & COMMERCIAL DEVELOPER SERVICES

RESIDENTIAL & COMMERCIAL DEVELOPER SERVICES RESIDENTIAL & COMMERCIAL DEVELOPER SERVICES WHO IS PREMIER GUARANTEE? Premier Guarantee is one of the UK's leading providers of Structural Warranty and Defects Insurance Services and since 1997 have been

More information

A guide for applicants in Wales

A guide for applicants in Wales A guide for applicants in Wales Important - Information on repaying the Homebuy loan When you sell the home that you buy through the Homebuy scheme, you have to repay the loan you took from the registered

More information

FCA CONSULTATION PAPER CP14/11 RETIREMENT REFORMS AND THE GUIDANCE GUARANTEE

FCA CONSULTATION PAPER CP14/11 RETIREMENT REFORMS AND THE GUIDANCE GUARANTEE OUR RESPONSE TO: FCA CONSULTATION PAPER CP14/11 RETIREMENT REFORMS AND THE GUIDANCE GUARANTEE 22 September 2014 0 P A G E ROYAL Introduction The Royal London Group is pleased to respond to this consultation

More information

Homeownership Assistance Equity Loan Scheme

Homeownership Assistance Equity Loan Scheme Homeownership Assistance Equity Loan Scheme Assisting aspiring homeowners to get on to the property ladder Catalyst Housing (Catalyst) is a leading housing association delivering affordable homeownership

More information

Key Lender Information

Key Lender Information Key Lender Information The purpose of this Key Lender Information document is to focus your attention on some of the important things you should know before deciding to lend your money on the Lending Works

More information

MARKETING NSP HOMES FROM OUTREACH TO CLOSING FLORIDA HOUSING COALITION ANNUAL CONFERENCE SEPTEMBER 27, 2011 GLADYS SCHNEIDER

MARKETING NSP HOMES FROM OUTREACH TO CLOSING FLORIDA HOUSING COALITION ANNUAL CONFERENCE SEPTEMBER 27, 2011 GLADYS SCHNEIDER MARKETING NSP HOMES FROM OUTREACH TO CLOSING FLORIDA HOUSING COALITION ANNUAL CONFERENCE SEPTEMBER 27, 2011 GLADYS SCHNEIDER MARKETING NSP HOMES NSP Benchmarks! Marketing 101! Marketing Strategies! Q&A!

More information

OVERSEAS INVESTMENTS A GUIDE TO INTERNATIONAL PAYMENTS

OVERSEAS INVESTMENTS A GUIDE TO INTERNATIONAL PAYMENTS OVERSEAS INVESTMENTS A GUIDE TO INTERNATIONAL PAYMENTS CONTENTS 1 Paying for overseas investments 2 The smart way to invest overseas 3 Timing is everything 4 A new standard in international payments 5

More information

WNC Direct Marketing Group. Product Suite

WNC Direct Marketing Group. Product Suite WNC Direct Marketing Group Product Suite WNC Direct Marketing Group We develop win-win alliances that help our clients increase revenues and strengthen relationships with their customers. Traditional Insurance

More information

Gafisa S.A. (Exactnameofregistrantasspecifiedinitscharter)

Gafisa S.A. (Exactnameofregistrantasspecifiedinitscharter) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 OF THE SECURITIES EXCHANGE ACT OF 1934 For the month of April,

More information

17 FAQs regarding Cyprus' bail-out/bail-in

17 FAQs regarding Cyprus' bail-out/bail-in 17 FAQs regarding Cyprus' bail-out/bail-in 1. How big is Cyprus? Cyprus is an island in the Mediterranean see, located north of Israel and south of Turkey. Its size is around 9,250 square kilometres. It

More information

GAFISA RELEASES 3Q16 RESULTS

GAFISA RELEASES 3Q16 RESULTS Conference Call November 9, 2016 8:00 am US EST In English (simultaneous translation from Portuguese) + 1-516-3001066 US EST Code: Gafisa 11h00 am Brasilia Time In Portuguese Telephone: +55-11-3728-5971

More information

Quick-Star Quick t Guide -Star

Quick-Star Quick t Guide -Star Quick-Start Guide The Alpha Stock Alert Quick-Start Guide By Ted Bauman, Editor of Alpha Stock Alert WELCOME to Alpha Stock Alert! I m thrilled that you ve decided to join this exciting new system. As

More information

A Bull Call Spread for Brazil

A Bull Call Spread for Brazil A Bull Call Spread for Brazil Brazil is coming from a three-year recessionary period, with an unemployment rate still above 12%. Despite this, the Bovespa index (IBOV), which is the top equity index for

More information

Help to Buy Buyers Guide

Help to Buy Buyers Guide Help to Buy Buyers Guide Homes England http://www.homesengland.gov.uk/helptobuy Page 1 of 29 Contents Key information... 3 What is Help to Buy?... 4 Help to Buy overview... 5 How does it work?... 6 Who

More information

Welcome to your Homeowner s Guide to Success

Welcome to your Homeowner s Guide to Success Welcome to your Homeowner s Guide to Success Hardships create difficult situations and require difficult decisions. If you re experiencing a hardship, you might be wondering what bills to pay and if you

More information

EXECUTIVE SUMMARY. Studies ON. Brazil. An innovative income-led strategy

EXECUTIVE SUMMARY. Studies ON. Brazil. An innovative income-led strategy EXECUTIVE SUMMARY Studies ON GROWTH WITH EQUITY Brazil An innovative income-led strategy Executive summary and policy recommendations Economic growth with equity is possible as the case of Brazil demonstrates

More information

Re: Washington Healthplanfinder Tax Credit Miscalculation Frequently Asked Questions (FAQs) Week of Nov. 11, 2013

Re: Washington Healthplanfinder Tax Credit Miscalculation Frequently Asked Questions (FAQs) Week of Nov. 11, 2013 Re: Washington Healthplanfinder Tax Credit Miscalculation Frequently Asked Questions (FAQs) Week of Nov. 11, 2013 Background: Last month, Exchange staff uncovered and corrected a system error that has

More information

May Corporate Presentation

May Corporate Presentation May 2012 Corporate Presentation Safe-Harbor Statement We make forward-looking statements that are subject to risks and uncertainties. These statements are based on the beliefs and assumptions of our management,

More information

BENEFIT RECIPIENTS HELPFUL INFORMATION FOR FILING YOUR TAXES

BENEFIT RECIPIENTS HELPFUL INFORMATION FOR FILING YOUR TAXES January 2017 BENEFIT RECIPIENTS HELPFUL INFORMATION FOR FILING YOUR TAXES TAX FORMS WERE MAILED BY END OF JANUARY 2017! The IAM National Pension Fund understands the stress associated with preparing and

More information

Corporate Presentation

Corporate Presentation Corporate Presentation January 2011 1 Disclaimer We make forward-looking statements that are subject to risks and uncertainties. These Statements are based on the beliefs and assumptions of our management,

More information

INTER CONSTRUTORA E INCORPORADORA S.A QUARTERLY INFORMATION - ITR - EM 30 JUNE 2018 AND THE REVIEW REPORT OF OF THE INDEPENDENT AUDITORS

INTER CONSTRUTORA E INCORPORADORA S.A QUARTERLY INFORMATION - ITR - EM 30 JUNE 2018 AND THE REVIEW REPORT OF OF THE INDEPENDENT AUDITORS INTER CONSTRUTORA E INCORPORADORA S.A QUARTERLY INFORMATION - ITR - EM 30 JUNE 2018 AND THE REVIEW REPORT OF OF THE INDEPENDENT AUDITORS INTER CONSTRUTORA E INCORPORADORA S/A Quarterly Information - ITR

More information

Lebanon. Market Bulletin Q2.2018

Lebanon. Market Bulletin Q2.2018 Lebanon Market Bulletin Q2.2018 July 2018 Lebanon Market Bulletin (Q2-2018) Highlights: Lebanon s CPI (Consumer s Price Index) has been increasing since March 2018 to record 106.7, 107, and 107.2 for April,

More information

Our guide to foreign exchange

Our guide to foreign exchange H O W T O T R A N S F E R M O N E Y A B R O A D Our guide to foreign exchange 1 ANSWERING YOUR QUESTIONS ABOUT TRANSFERRING MONEY ABROAD Stress free currency transfers Buying or selling a property abroad

More information

INVESTMENT OPPORTUNITY

INVESTMENT OPPORTUNITY INVESTMENT OPPORTUNITY REGENT HOUSE, BARNSTAPLE, DEVON PERMITTED DEVELOPMENT RIGHTS RESIDENTIAL DEVELOPMENT 31 APARTMENTS 32.7% ROI OVER 12 MONTHS TABLE OF CONTENTS 04 05 06-07 08-09 10 11 12 13 14 THE

More information

Achieve more with less

Achieve more with less Achieve more with less Flexible leasing solutions to make your learning vision a reality today Achieve more with less RM Education has been focused on the UK education market for nearly 40 years, providing

More information

CHRIC Owner-Occupied Housing Rehab Program CHRIC offers financial assistance to help low-income homeowners make necessary home repairs.

CHRIC Owner-Occupied Housing Rehab Program CHRIC offers financial assistance to help low-income homeowners make necessary home repairs. CHRIC Owner-Occupied Housing Rehab Program CHRIC offers financial assistance to help low-income homeowners make necessary home repairs. Visit our website at: www.chric.org Below is an overview of the program.

More information

Helping the unconventional with buy-to-let. Example scenarios

Helping the unconventional with buy-to-let. Example scenarios Helping the unconventional with buy-to-let Example scenarios Contents Buy-to-let range 4 Octopus Property, a property company with a difference 5 Client scenarios Helping foreign nationals obtain finance

More information

Financial Independence Checklist Fiscal Agents - Financial Independence Checklist Page 1 of 1

Financial Independence Checklist Fiscal Agents - Financial Independence Checklist Page 1 of 1 25 Lakeshore Road West, Oakville, Ontario L6J 5C7 Tel. (905) 844-7700 Fax (905) 844-8552 Financial Independence Checklist Fiscal Agents - Financial Independence Checklist Page 1 of 1 Introduction The following

More information

INTERNATIONAL CRISIS AND POLICY RESPONSES IN BRAZIL. Secretariat of Economic Policy January 2010

INTERNATIONAL CRISIS AND POLICY RESPONSES IN BRAZIL. Secretariat of Economic Policy January 2010 INTERNATIONAL CRISIS AND POLICY RESPONSES IN BRAZIL January 2010 1 CONDITIONS TO FACE THE CRISIS 2 CONDITIONS TO FACE THE CRISIS International Reserves and Low External Vulnerability Fiscal Responsibility

More information

Supporting Older People Labour s plan for an age-friendly society

Supporting Older People Labour s plan for an age-friendly society Supporting Older People Labour s plan for an age-friendly society Labour Supporting Older People doc.indd 1 20/02/2016 14:00 Our commitments: Increase the State pension to 260 per week. Labour will raise

More information

tion on the rates. (CLV), ecuvillage.com.au

tion on the rates. (CLV), ecuvillage.com.au NRAS Information Sheet General Information The National Rental Affordability Scheme (NRAS) is an initiative launched by the Australian Government for the purpose of providing assistance and funding to:

More information

Property buyers pocket guide Introduction to Madeira

Property buyers pocket guide Introduction to Madeira Property buyers pocket guide Introduction to Madeira Madeira, due to its quite exceptional year-round subtropical temperatures and with its Portuguese influence and friendly people is a growing destination

More information

Lasting Power of Attorney Frequently Asked Questions

Lasting Power of Attorney Frequently Asked Questions Lasting Power of Attorney Frequently Asked Questions What is a Lasting Power of Attorney? A Lasting Power of Attorney is a legal document in which you (the Donor) nominate a person or persons (the attorney)

More information

LPI Position Holder Trust Newsletter. The Trustee s Corner. Inside this issue

LPI Position Holder Trust Newsletter. The Trustee s Corner. Inside this issue LPI Position Holder Trust Newsletter August/September 2017 Issue The Trustee s Corner Welcome to the August/September 2017 issue of the Life Partners Position Holder Trust (PHT) investor newsletter. We

More information

December 10, Dear Dealer Principal:

December 10, Dear Dealer Principal: December 10, 2014 Subject: Warranty Enhancement Program (Phase 1 Reimbursement) - ZLD 2007-2008 Model Year ES 350 2003-2008 Model Year GX 470 2006-2008 Model Year IS 250/350 2007 Model Year LS 460 2004-2006

More information

Now, I would like to give the floor to Mr. Vladimir Ranevsky, who will start the presentation. Mr. Ranevsky, you may continue.

Now, I would like to give the floor to Mr. Vladimir Ranevsky, who will start the presentation. Mr. Ranevsky, you may continue. Good morning to the earnings of the 4Q16. PDG referring to the earnings of the 4Q16. Here with us we have Mr. Vladimir Ranevsky, CEO, CFO and Investor Relations Officer and Mrs. Natalia Pires, General

More information

Revenue Options for Baltimore City s Affordable Housing Trust Fund

Revenue Options for Baltimore City s Affordable Housing Trust Fund Revenue Options for Baltimore City s Affordable Housing Trust Fund A P R I L 2 0 1 8 Baltimore City voters approved a ballot question in 2016 to create an affordable housing trust fund. The purpose of

More information

Two Unit Residential Property

Two Unit Residential Property Second Trust Deed $1,300,000.00 # 215284 Two Unit Residential Property Hermosa Beach, CA Hermosa Beach, CA #215284 2nd Trust Deed $1,300,000 A Presentation for Investment in a Note and 2 nd Deed of Trust

More information

Modelling the case for a new public Superfund as a consolidation vehicle to address legacy defined benefit scheme risks

Modelling the case for a new public Superfund as a consolidation vehicle to address legacy defined benefit scheme risks Modelling the case for a new public Superfund as a consolidation vehicle to address legacy defined benefit scheme risks This Paper was commissioned by the PLSA from Simon Willes, Chairman, Gazelle Corporate

More information

MEMBER SOLUTIONS. Partnering with Employers and Old Mutual retirement fund members to achieve the financial futures they deserve.

MEMBER SOLUTIONS. Partnering with Employers and Old Mutual retirement fund members to achieve the financial futures they deserve. MEMBER SOLUTIONS Partnering with Employers and Old Mutual retirement fund members to achieve the financial futures they deserve. HELPING TO CREATE A BETTER FUTURE FOR ALL As one of southern Africa s oldest

More information

Greece and the euro area adjustment programmes Speech Hellenic Bank Association Klaus Regling, Managing Director ESM Athens, 12 June 2018

Greece and the euro area adjustment programmes Speech Hellenic Bank Association Klaus Regling, Managing Director ESM Athens, 12 June 2018 Greece and the euro area adjustment programmes Speech Hellenic Bank Association Klaus Regling, Managing Director ESM Athens, 12 June 2018 (Please check against delivery) Ladies and gentlemen, Let me join

More information

6 October 2017 Warren Ralls Director The LEP Network Oakley House Headway Business Park 3 Saxon Way West Corby NN18 9EZ

6 October 2017 Warren Ralls Director The LEP Network Oakley House Headway Business Park 3 Saxon Way West Corby NN18 9EZ Education and Skills Funding Agency The Cube 123 Albion Street Leeds LS2 8ER www.gov.uk/esfa 6 October 2017 Warren Ralls Director The LEP Network Oakley House Headway Business Park 3 Saxon Way West Corby

More information

ONE-TIME CLOSE CONSTRUCTION LOAN INFORMATION PACKET

ONE-TIME CLOSE CONSTRUCTION LOAN INFORMATION PACKET ONE-TIME CLOSE CONSTRUCTION LOAN INFORMATION PACKET At AmeriFirst we are committed to providing you with all the information you need regarding your construction loan. This guide will walk you through

More information

Saver Handbook. I will deposit $ each month into my VIDA account at. name of bank/credit union

Saver Handbook. I will deposit $ each month into my VIDA account at. name of bank/credit union Dear VIDA Applicant: Saver Handbook Congratulations on applying for an Individual Development Account (IDA) where you will receive $3 or every $1 you save. This program is called VIDA and we are excited

More information