Showing posts with label Robert J Russell. Show all posts
Showing posts with label Robert J Russell. Show all posts

Nov 9, 2009

Obama Signs Homebuyer Tax Credit Extension

RISMEDIA, -President Barack Obama has approved the first-time homebuyer tax credit extension which will extend the tax credit until April 30, 2010.


The extension is part of a $24 billion economic stimulus bill that will extend the $8,000 tax credit for homebuyers who are purchasing their first home from the current November 30 deadline and expands the program to offer a credit of $6,500 to homeowners who have lived in their current home for at least five years and are seeking to relocate.


The following details apply to the homebuyer tax credit expansion:


Who is Eligible


-First-time homebuyers, who are defined by the law as buyers who have not owned a principal residence during the three-year period prior to the purchase, may be eligible for up to an $8,000 tax credit.


-Existing homeowners who have been residing in their principal residence for five consecutive years out of the last eight and are purchasing a home to be their principal residence ("repeat buyer"), may be eligible for up to a $6,500 tax credit.


-All U.S. citizens who file taxes are eligible to participate in the program.


Income Limits


Homebuyers who file as single or head-of-household taxpayers can claim the full credit ($8,000 for first-time buyers and $6,500 for repeat buyers) if their modified adjusted gross income (MAGI) is less than $125,000.


-For married couples filing a joint return, the combined income limit is $225,000.


-Single or head-of-household taxpayers who earn between $125,000 and $145,000, and married couples who earn between $225,000 and $245,000 are eligible to receive a partial credit.


-The credit is not available for single taxpayers whose MAGI is greater than $145,000 and married couples with a MAGI that exceeds $245,000.


Effective Dates


-The eligibility period for the tax credit is for homes purchased after Nov. 6, 2009, and before May 1, 2010. However, home purchases subject to a binding sales contract signed by April 30, 2010, will qualify for the tax credit provided closing occurs prior to July 1, 2010.


Types of Homes that Qualify


-All homes with a purchase price of less than $800,000 qualify, including newly-constructed or resale, and single-family detached, townhomes or condominiums, provided that the home will be used as their principal residence. Vacation home and rental property purchases do NOT qualify.


Tax Credit is Refundable


-A refundable credit means that if the amount of income taxes you owe is less than the credit amount you qualify for, the government will send you a check for the difference.


-For example:


-A first-time buyer who qualifies for the full $8,000 credit who owes $5,000 in federal income taxes would pay nothing to the IRS and receive a $3,000 payment from the government. If you are due to receive a $1,000 refund, you would receive $9,000 ($1,000 plus the $8,000 first-time homebuyer tax credit).


-A repeat buyer who owes $5,000 would pay nothing to the IRS and receive $1,500 back from the government. If you are due to get a $1,000 refund, you would get $7,500 ($1,000 plus the $6,500 repeat buyer tax credit).


-All qualified homebuyers can take the tax credit on their 2009 or 2010 income tax return.


Payback Provisions


The tax credit is a true credit. It does not have to be repaid unless the home owner sells or stops using the home as their principal residence within three years after the purchase.


The www.federalhousingtaxcredit.com site is being updated. Check the site next week for more detailed information on the new tax credit.



Aug 7, 2009

What Does the Internet Say About You?

Simple Steps to Improve Your Online Personal Info Before Potential Employers See It













What Does the Internet Say About You? - Simple Steps to Improve Your Online Persona - Before Potential Employers See It
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Your online persona is a lot like your credit score. It's already out there whether you check it or not. And other people-important people who make decisions about your future-can review it at any time.


The similarities don't end there. Like your credit score, you can review your online persona and work to improve it…so when people like potential employers look at it, they'll see what you want them to see.


And, trust us, they will look at it.


They're not necessarily looking for negative news or skeletons in your closet. In most cases, managers and human resource employees do Internet searches on their top pool of candidates to confirm credentials and determine why each person would be a good candidate for the position.


Just because they're not looking for dirt, though, doesn't mean they'll ignore it if they find it. The fact is, a negative online persona can get you knocked off an employer's list.


Fortunately, managing your online persona is easier than you may think. The tips below can help you take steps to not only review your online persona, but also take steps to make sure it reflects the experience and credentials you want it to.


Step One: Evaluate Your Online Persona


In order to know what your online persona looks like, you have to actually check it. So start by opening your web browser to a search website such as Google.com, Yahoo.com, Ask.com, AltaVista.com, Lycos.com, or Microsoft's new Bing.com. Then simply type in your name and hit search. Scan through the first two or three pages to see what items are coming up most often, and make note of any negative news that you'd like to get removed.


You can also do more specific searches. For example, you can type your name in quotes along with your email address, the name of your college, your job title, a hobby, or even other people's names. For example, you could type "your name + friend's name" or "your name + college name." You may be surprised what you find with some of these specific searches.


Once you've searched your name on one site, open another and do the same thing. You'll probably find a number of similarities, so you only need to check a few different sites to get an idea of what the Internet says about you.


Remember to take specific notes about false or unflattering information. You'll want to write down what it is, where it appears, and why it shouldn't be there.


Finally, don't forget to search for videos and images! After all, one of your friends may have posted photos from that college party on their website and tagged you in the photo without you realizing it. You can use the same sites listed above-only this time, click the video or image search button before you search for your name. Once again, take careful notes about videos or images that cast you in a negative light.


Step Two: Remove Anything Negative


Like your credit score, if you find information on the Internet that is inaccurate or inappropriate, your first step should be to try to get it removed.


This is where those diligent notes from step one will come in handy.


First, if you found something unflattering that you actually posted in the past, remove it yourself. For example, if you posted pictures or stories on an old blog, go back and remove them.


In addition, take the time to go through any websites or social networking sites where you control the information. Maybe you have a blog, website, or social networking site that features pictures and text that you post. Go back through the information to make sure you still want people to see or read it. If not, remove it immediately…even if it didn't show up in the search you conducted.


Second, if you found information on other websites that you think should be removed, contact them right away. Start with the websites that have the worst (most egregious or most inaccurate) information. Using a polite but firm tone, explain what content you found on their site, why it's a problem, and then specifically ask them to remove that information from their site. Be as specific as possible. If the information is false, say that. If the information is private and used without permission, say that. You may even want to include a link in your email or letter to make sure they can quickly find the problematic information that you're asking them to remove.


Third, take a serious look at your usernames and email address. Often, websites and email accounts include your full name in the contact information along with your username. That can be bad for your image if you use an inappropriate nickname or double entendre as your email address or username. If that's the case, change it or delete the account and start a new, more professional one.


Finally, remember to follow up. After you've removed the information yourself or requested a site to take something down, go back to make sure it's gone. It's also a good idea to do regular searches (even specific searches using your name in quotes along with a word or two describing the content that you wanted removed). Do this a week after requesting removal of the information and then again a month later.


Step Three: Build Your Brand


Managing your online persona isn't just about getting things removed from the Internet; it's about using the Internet to build your brand.


That means changing your frame of mind from worrying about what people might see to taking a proactive role in determining what they will see.


Here are just a few simple ways you can take control of your online image by building your brand on the Internet:


Create a Profile:


One of the easiest ways to make sure positive attributes, qualifications and accomplishments stand out on the Internet is to create a profile that features those aspects. In fact, create profiles on multiple sites like ZoomInfo.com, Xing.com, and Ziggs.com. These profiles only take a matter of minutes to create and they help boost positive information about you higher in an Internet search.


One of the best profiles to start with is a Google profile. Once you create a Google profile, your name, occupation, location and a photo (if you upload one) will appear on the first page of a Google's search results for your name. When someone clicks to view your full profile, they'll see the information you input-which can include a list of employers, places you've lived, other sites you use (such as a blog or social networking page) and even a short bio that describes your experience, skills, and interests. Once you have all this information down, you can use it to quickly create profiles on other sites.


Finally, since many employers are actually searching the Internet to verify your qualifications and experience, consider setting up an account on a website for freelancers or contract employees, such as Guru.com.


Remember, there are a number of similar profile sites. You don't have to join them all, but joining a few and putting in relevant, important information about yourself can really help boost your online persona.


Participate in Social Networking:


You've no doubt heard about popular social networking sites like Facebook.com, LinkedIn.com, SpeakerSite.com as well as micro-blogging sites like Twitter.com and online photos sites like Flickr.com.


These sites offer you fun, interactive ways to connect with friends, family, and peers. In addition, they are great for improving your online persona because they often climb near the top of searches.


That said, there are few things to keep in mind.


First, notice this tip says "participate in social networking" not just "join." The more information you include in your profile and the more you participate, the more useful these sites will be in building your brand.


Second, when you do participate make sure it's relevant. Your status updates don't have to be all business and no play; it's okay to have a balance of your personal and professional life on these sites. But make sure that you keep it appropriate. That means keeping slang to a minimum, and avoiding inappropriate words, humor, photos or stories. It also means that you should write occasional posts about a professional conference you've attended or project you've finished.


Also, make sure you join groups or communities on these sites that reflect your professional aspirations and the positive image you're trying to portray. Before joining any group, ask yourself if you'd feel comfortable discussing your membership in the online group with your grandmother or during a job interview with a potential employer.


Finally, make sure you take advantage of other online communities besides these sites. Becoming active in a discussion thread or chat room hosted by a professional organization can be a powerful way to improve your online persona. Not only will your peers and potential employers get to know you on those sites, but your posts will often find their way into your search results.


Start a Blog or Website:


One of the most productive ways to control your online persona is to create new content on a blog or website that highlights or reflects your expertise.


A blog or website not only gives you the space necessary to write about your areas of expertise, but they also rank high in Internet searches if the content is updated regularly.


While this step may seem a bit overwhelming at first, a number of providers such as Wordpress.com or Blogger.com make it fast and convenient. You don't need to know how to program html or JavaScript. They do all the work for you. All you have to do is sign-in and post.


So what should you post?


The obvious answer is to make sure you post appropriate information. It's okay to have multiple blogs or sites-for example, one about your family for friends to read and one about your professional experience for peers and potential employers to read. But make sure the content on both sites is appropriate because there's no way to stop a potential employer from seeing your family site.


If you're stuck wondering what to write about, use your imagination. You don't have to write a white paper in every post. Maybe you want to post your thoughts about the top three things you learned at a professional conference and include a link to the conference website. Maybe you just received an award or professional certification… write about that and put a link to the site that awarded it. Or maybe you have ideas about the best way to write a report. As long as you're not divulging trade secrets, write about what you do, what you know, and what your job growth goals are for the future.


You may even want to take an additional step to purchase and use a domain name that's as close as possible to your name. That will solidify your professionalism and help eliminate any confusion about who you are and what you do.


Remember, the website or blog is a reflection of you…of your brand. So make sure it's clean, organized, professional looking, and that each post is error free and edited.


Maximize Your Web Presence by Interlinking Your Sites:


Once you've created a few online profiles, started participating in social network sites, and developed a quality blog with a few posts, it's time to make sure people notice. That means promoting each of these sites in other sites by linking to them.


So, on your Facebook page, you should include links to your Twitter account and your blog or website. On your blog or website, create a Contact Information page that includes links to your online profiles, Facebook page, Twitter account, and so on. On your profile pages, include links to your blog and social networking sites.


It sounds a bit repetitive, if not overkill. But it's not. It's important. Why? The simple reason is that links are factored into Internet searches.


When someone does a search of your name on the Internet, the sites that typically rank the highest have the most sites linking to them.


That means, the more sites that link to your blog, the better chance you have of it hitting the first page of search results. And that's the ultimate goal here…getting the positive information that you create to rise to the top, so people see the online persona that you've strategically developed and that you want them to see.


Therefore, make sure you have as many sites and profiles cross-referencing each other as you can. And keep adding fresh content and information updates regularly.


Relax - One Step at a Time is Fine


This article has given you a number of easy-to-follow simple steps to improve your online persona. But even then, this can seem like a daunting task.


The trick is, don't let it be. Take it one step at a time.


Start by simply evaluating what's out there and working to remove any negative pictures or information. That alone will be helpful. Then, as you have time, follow the steps for creating a new, more professional persona using profiles, social networking sites, and a blog or website.


In no time, you'll start seeing those positive, professional websites rise to the top of Internet searches. And you'll take comfort in knowing that those are the same sites that potential employers see when they take a closer look at you on the Internet.


For More Information visit: http://www.robertjrussell.com , http://www.InsurancePricedRight.com or http://www.FreeDFWApartments.com




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Jul 17, 2009

Luxury Bueonos Aires Apartments!








Luxury Buenos Aires Apartment For Rent


BAStay.com epitomizes the splendor and charm of Buenos Aires' Belle Epoch. Our luxury Buenos Aires apartments and five star services characterize both the opulence and grandeur of this golden and bygone age. BAStay luxury apartments offer elegance and colonial charm, or super modern and contemporary styling in Buenos Aires' landmark and safest locations. www.robertjrussell.com, your home in Buenos Aires Marca Reg.

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Jul 15, 2009

Want to Buy a House ?


Buy a Ticket


RISMEDIA, July 15, 2009-(MCT)-With a housing market sinking to lows seldom seen in this country's history, some people are resorting to seldom-used practices to sell their houses.




Don and Karen Carroll count themselves among that group. With plans to move to Painesville Township, the Eastlake couple is trying to sell their home of five years but to this point haven't had much luck.


"Our house has been on the market for almost a month and a half, but only one person has come to look at it," said Don, 40. "That being the case, we're kind of worried."


So, they've come up with a Plan B.


"I was sitting in the living room last week, and I said to my husband, 'What if we tried to raffle this house?' " said Karen, 50. "Somebody in this big world had to have done it before."


In fact, someone has. Last year, a Maryland couple raffled off their four-bedroom farmhouse - which was appraised at $390,000 when it was first put on the market - by selling 6,289 tickets at a price of $100 each.


The entire process took about two and a half months and the raffle even raised about $225,000 for a charity of that couple's choice.


The Carrolls first hoped to do exactly the same but have since learned that Ohio law prevents them from doing so, Don said.


However, another entity - like a nonprofit organization - can conduct such a raffle, Don said, explaining that led the Carrolls to approach the Diabetes Association of Greater Cleveland in hopes of working something out.


"My mother just passed away last month from diabetes," said Karen, explaining why the couple chose the Beachwood-based nonprofit.


However, such a raffle would have to be approved by the association's board of directors and there are still a number of legal questions that must be answered, said Lori Izeman, director of development and communication.


"We're interested in looking at new streams of revenue, and this may be an exciting opportunity," she said. "We're thrilled they're thinking locally, because the Diabetes Association of Greater Cleveland is the only local nonprofit dedicated to diabetes. We're not part of a national organization."


Should things not work with the association, Don said he and his wife would look for other nonprofits in hopes of arranging a raffle.


"In my heart, I think this could be a successful thing for whichever organization was willing to do it," he said.


In the meantime, the three-bedroom, one-bathroom raised-ranch house at 1259 E. 362nd St. is still up for sale. It's been appraised at $115,000, Don said.


Realtor Daryl Poe, who along with wife Georgia is the Keller Williams Realty agent for the house, said the couple would likely sell their home before any raffle if a buyer stepped forward.


Still, he gives the Carrolls credit for deciding to raffle the house.


"As a Realtor, it didn't bother me," Poe said. "You got people thinking outside the box."


Copyright (c) 2009, The News-Herald, Willoughby, Ohio


Distributed by McClatchy-Tribune Information Services.






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Jul 14, 2009

United State Foreclosure Laws













United States foreclosure laws.


Select a state from the map or the list below for complete state foreclosure information. Each state foreclosure page includes a summary of your state foreclosure law as well as links to other foreclosure law resources.



Alaska
Washington
Oregon
Idaho
Montana
Wyoming
California
Nevada
Utah
Arizona
Colorado
New Mexico
North Dakota
South Dakota
Nebraska
Kansas
Oklahoma
Texas
Minnesota
Iowa
Missouri
Arkansas
Louisiana
Wisconsin
Illinois
Michigan
Indiana
Kentucky
Tennessee
Mississippi
Ohio
West Virginia
Alabama
Florida
Georgia
South Carolina
North Carolina
Virginia
Hawaii
District of Columbia
Maryland
Delaware
New Jersey
Connecticut
Rhode Island
Massachusetts
New Hampshire
Vermont
Maine
New York
Pennsylvania
New Hampshire
Vermont
Massachusetts
Rhode Island
Connecticut
New Jersey
Delaware
Maryland
Map of the U.S.












Alabama Foreclosure Law


Alaska Foreclosure Law


Arizona Foreclosure Law


Arkansas Foreclosure Law


California Foreclosure Law


Colorado Foreclosure Law


Connecticut Foreclosure Law


Delaware Foreclosure Law


Florida Foreclosure Law


Georgia Foreclosure Law


Hawaii Foreclosure Law


Idaho Foreclosure Law


Illinois Foreclosure Law


Indiana Foreclosure Law


Iowa Foreclosure Law


Kansas Foreclosure Law


Kentucky Foreclosure Law


Louisiana Foreclosure Law


Maine Foreclosure Law


Maryland Foreclosure Law


Massachusetts Foreclosure Law


Michigan Foreclosure Law


Minnesota Foreclosure Law


Mississippi Foreclosure Law


Missouri Foreclosure Law



Montana Foreclosure Law
Nebraska Foreclosure Law


Nevada Foreclosure Law


New Hampshire Foreclosure Law


New Jersey Foreclosure Law


New Mexico Foreclosure Law


New York Foreclosure Law


North Carolina Foreclosure Law


North Dakota Foreclosure Law


Ohio Foreclosure Law


Oklahoma Foreclosure Law


Oregon Foreclosure Law


Pennsylvania Foreclosure Law


Rhode Island Foreclosure Law


South Carolina Foreclosure Law


South Dakota Foreclosure Law


Tennessee Foreclosure Law


Texas Foreclosure Law


Utah Foreclosure Law


Vermont Foreclosure Law


Virginia Foreclosure Law


Washington Foreclosure Law


Washington D.C. Foreclosure Law


West Virginia Foreclosure Law


Wisconsin Foreclosure Law



Wyoming Foreclosure Law






Important Legal Disclaimer



visit http://www.robertjrussell.com




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Jul 7, 2009

America's Most Expensive Homes



Prices and sales may be down nationwide, but the country's costliest spreads still command top dollar.






There's been a lot of denial among luxury homeowners. In 2006, it was thought that the luxury market wouldn't suffer the same fate as the broader market. A year later, high-end home buyers were thought to have endless, deep pockets, further insulating the top-tier from the cratering economy. As the nation's markets in 2008 went from bad to worse, some in the industry claimed that the dearth of trophy properties outstripped supply.


This year, reality set in. No one is buying $100 million homes. Few are buying $30 million homes. Properties in that range are either being reduced by amounts similar to the national debts of small countries--Dunellen Hall, reduced by $50 million from $125 million to $75 million, and BootJack Ranch to $68 million, a reduction of $20 million from last year's asking--or are being pulled from the market entirely. It's been a bad year for America's Most Expensive Homes, our annual list of the nation's priciest oceanfront mansions, urban townhouses, monumental ski lodges and country estates. Mainstays like the $125 million Fleur de Lys in Beverly Hills, a 45,000-square-foot re-creation of Louis XIV's palace at Versailles, and the $100 million Tranquility, a Lake Tahoe 20,000-square-foot mountain home on 210 acres, are still at the top of our list, two and three years after they came on the market, respectively.


In Pictures: America's Most Expensive Homes


In 2008, it took a $75 million price tag to make our list. Now there are four homes priced below that: the $68 million BootJack Ranch in Pagosa Springs, Colo., with its 77,000 square feet of cabin space, including a 13,800-square- foot main house, a $65 million Brentwood, Calif., ranch designed by Robert Byrd, a $60 million Beverly Hills mansion built in 1919 by silent-film stars Douglas Fairbanks and Mary Pickford and a $60 million Upper East Side apartment with a mind-boggling 10,000-square-feet of space.


To compile our list, we spoke with brokers and consulted listing agents and real estate appraisers and scoured real estate listings. We didn't include private listings, also called pocket listings, because they're quietly shopped around among elite buyers, nor did we measure land sales. The so-called Spelling Mansion, a 123-room Holmby Hills spread, which has reportedly been on and off the market at $150 million is currently not publicly listed and therefore was not included. The penthouse of the Pierre Hotel in Manhattan is also officially off the market.


When did the high end of the market truly fall apart? When the financial crisis set in, particularly after Lehman Brothers failed Sept. 15 and Freddie Mac and Fannie Mae went into government conservatorship on Sept. 7. In New York, and the Hamptons, that completely shut off the sales spigot. "There are only two closed sales above $30 million that I know of," says Jonathan Miller, principal of Miller Samuel, a Manhattan-based appraisal firm. "There were a few additional sales that closed in September, but they went to contract before the party ended. "It's the same story on the West Coast, almost 3,000 miles from Wall Street.


"I'm calling peak June, July of 2008, that was the end of it," says Mauricio Umansky, a broker with Hilton and Hyland in Beverly Hills, who despite the downturn has sold two $30 million homes since the financial crisis set in. "When September 15 hit, that was the boom lowering."


Of course, if it takes a couple more years to sell the $125 million Fleur de Lys or the $100 million Tranquility, their sellers are most likely willing to wait. After all, these homes been sitting on the market for years, and the amount a broker can make in commission off that kind of sale is enough to retire on.


Perhaps that's the fifth factor in the high-end market: It only takes one offer.


1. $125 million


fleur+de+lys.jpgFleur de Lys


Beverly Hills, Calif.


The latest addition to the $100 million-plus club, Suzanne Saperstein's gem is aptly called the Fleur de Lys. Modeled after Louis XIV's palace at Versailles, the 45,000-square-foot home took five years to build following Saperstein's accumulation of five acres in Holmby Hills during the 1990s. Should strolling the grounds bore you, there is a 50-seat screening room and a library filled with first-edition books. Auto collectors will salivate over the nine-car garage.


For more information, contact Joyce Rey at Coldwell Banker Beverly Hills or Robert Kass at Hilton & Hyland Real Estate.


2. $100 million


100+mil+tranquiTranquility


Lake Tahoe, Nev.


Conveniently located on the tax-free Nevada side of Lake Tahoe, this 210-acre property is owned by Joel Horowitz, co-founder of Tommy Hilfiger. The 20,000-square-foot main house is modeled after a Northern European mountain home and has a 3,500-bottle wine cellar. An indoor swimming pool and atrium, as well as a 19-seat movie theater, ensure constant entertainment, even if you're snowed in.


For more information, contact Shari Chase at Chase International.


3. $85 million


85+mil+bev+hills.jpgBel Air, Calif.


On 2.2 acres in the Bel Air neighborhood, this 48,000-square-foot palace has 10 bedrooms and 14 bathrooms. If you're worried about the riff-raff sneaking in, there's a 1,000-foot-long, 36-foot-high wall made of Jerusalem stone that encircles the property. The three-story home sits on a parcel that includes a swan pond, infinity pool and gardens. As part of the L.A. lifestyle, you need cars, and in case you've got 20 of them, there's plenty of parking in this home's garage.


For more information contact Joyce Rey at Coldwell Banker.


4. $75 million (down from $125 million)


75-mil-dunnellen.jpgDunnellen Hall


Greenwich, Conn.


On 40 acres of rolling hills, with lawns and meadows broken up by tree lines that provide privacy, this Jacobean manor has 21,897 square feet, 14 bedrooms and 13 bathrooms. Vaulted ceilings, travertine marble floors, bay windows, limestone walls and wood paneling are notable interior features, as is a 52-foot-long indoor swimming pool.


For more information, contact David Ogilvy at David Ogilvy & Associates, an affiliate of Christie's Great Estates.


5. $75 million


nyc-townhouse.jpgUpper East Side


New York, N.Y.


Rarely, even for New York's most expensive townhomes, can you find one that's 45-feet wide, as is the case with this limestone mansion on East 61st Street. The six-story home has 21,000 square feet of space. High, arched ceilings, winding staircases and stone floors mark the entry way. Other features include an interior courtyard, library, garden level, wine cellar, roof terrace, home gym, sauna, six bedrooms, three staff rooms and ten bathrooms.




by Matthew Woolsey, Forbes.com


For Luxury & International Listings visit: http://www.robertjrussell.com






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