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Lotro Gold Guide

Posted on 31st October 2010 in Investment

Lotro Gold Guide

A lot of people think that you do not really need a lot of lotro gold, and maybe before the launch of Moria this was slightly true, but now with legendary items in game, being rich in Lotro makes a lot more sense.

I personally always wanted to be big time rich, which I am now, and I do not spend one minute farming or doing quests that I do not want to do.

How did I manage to get rich and stay rich without farming?

I was looking for the best techniques to get gold in Lotro without farming for it all day and I come across a Lotro gold guide which looked quite good but normally do not buy these types of lotro gold guides since most of them are rather useless and contain stuff you already know.

This Lotro guide on the other hand was completely different it actually hard a load of the best information for getting gold by only using the auction place. I am talking about buying cheap and selling for big profits and by using this Lotro gold guide for a couple of weeks I have become the richest player on my server.

That’s right there is a time when the auction is normally full of amazing offers and this is when the servers get busy.

At this time now, I get lots of items because I know I can sell them for a bigger profit at different times.

I would recommend any Lotro players check out The Ultimate Lotro Gold Guide as it will change your playing style and make Lotro a load more fun for you.

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Global House Price Downturn Accelerated At End Of 2008 According To The Global Property Guide

Posted on 7th October 2010 in Investment

Global House Price Downturn Accelerated At End Of 2008 According To The Global Property Guide

It has been a dismal year for house prices, according to the Global Property Guide’s latest survey of publicly-available house-price time-series for the year 2008. And seen from a global perspective, the downturn is still accelerating.

The collapse of the world’s housing markets can be seen from three points of view, and unfortunately, all of them reinforce the bad news.

During 2008, the downward price momentum accelerated, as compared to 2007.
Only 2 countries saw positive momentum in 2008 (a slower downward house price movement than last year, or faster upward movement), while 28 countries saw their housing market momentum deteriorating, compared to the previous year. The two countries with a positive momentum were Germany and Switzerland.

During 2008, house prices fell in most countries.
During 2008 only 8 out of 32 countries saw house prices rise, after adjustment for inflation, while 20 countries experienced house price falls.

In contrast, during the year 2007, the downturn was just beginning, and only 6 countries saw house prices fall, while 24 countries saw house prices rise (all figures inflation-adjusted).

Many house-price falls during 2008 were extremely severe. Countries with house price falls of over 10% during 2008 were Latvia (Riga) (37%), Lithuania (Vilnius) (27%), the US (20%), the UK (18%), Iceland (16%), Ireland (12%), and the Ukraine (Kiev) (12%) (all figures inflation-adjusted).

During the final quarter (Q4) of 2008, the downward price momentum significantly accelerated, as compared to Q3, suggesting that the situation is deteriorating.

During 2008’s final quarter, 9 countries saw house price falls of 5% or more during just that quarter. Price drops of more than 10% during this single quarter occurred in three countries – in Latvia (Riga), which saw price falls of 15%, in Ukraine (Kiev) (13%), and in Hong Kong (15%). Other countries with Q4 house-price falls of 5% and over, included the UAE (8%), Lithuania (7%), Iceland (7%), Singapore (6%), Bulgaria (5%), and the UK (5%) (all figures inflation-adjusted, except UAE).

These price falls were much greater than during the previous quarter, Q3. During that previous quarter, only two countries experienced house-price falls (inflation-adjusted) of 5% or more, and no countries experienced house-price falls of more than 10%.

REGIONAL SURVEY BY GLOBAL PROPERTY GUIDE

Europe has major problems
The Baltic countries of Latvia and Lithuania suffered the hardest price falls both in nominal and real terms. In Riga, Latvia, the average price of standard-type apartments plunged 37% during 2008. Prices have been going down in Latvia since late 2007, after a remarkable increase of about 70% in 2006. The most alarming decline took place in the 4th quarter, when prices declined by 15%, the steepest quarterly drop in real terms in any country. These price falls were triggered by increased interest rates, and by the tightened credit rules which Latvia imposed in 2007.

Average prices of apartments in Vilnius, Lithuania, fell by 27% during 2008. House prices started slowing in mid-2007, and crashed in early 2008.

House prices in the UK plummeted by 18% in 2008. Although mortgage interest rates dropped slightly, to 4.48% in December 2008, the number of loan approvals for house purchases fell 58% in 2008.

There is serious trouble in Iceland (house price fall of 16% during 2008), Ireland (12%), Ukraine (12%), Malta (9%), Portugal (8%), France (8%) Finland (7%), Norway (6%) and in Spain (6%).

North America’s woes
In the US, the centre of the global financial crisis, in 2008 house prices fell 20% according to the Case-Shiller house price index, which emphasizes urban areas. OFHEO and FHFB figures, which are associated with Fannie Mae and Freddie Mac loans and have somewhat lost credibility, suggest a smaller decline of 6% and 3% respectively, during 2008. The US government recently approved a $ 787 billion economic stimulus package, of which 5 billion will be allocated to rescue the ailing housing market.

Canada has been much less affected than the US.

Pacific heads down
Both Australia and New Zealand saw house price declines during 2008, of 7% and 8% respectively.

Asia no longer insulated
Housing markets in Asia have not been insulated. Singapore, Hong Kong and Philippines recorded house price falls during 2008.

Singapore’s private residential prices dropped 9% during 2008, in sharp contrast to the 26% price increase of experienced during 2007. The developed countries’ economic troubles adversely affected Singapore’s exports, and during 2008, output in the manufacturing sector, particularly of electronics, precision engineering and chemicals, shrank by 10.7%. Singapore was officially in recession in Q3 2008.

Hong Kong has been badly hit by the crisis. House prices were down by an average of 6% in 2008. But during the last quarter, Hong Kong experienced a severe decline in prices of 14%.

In Makati, Philippines, prime 3-bedroom condominium prices fell by 2% during 2008, after an 11% price rise during 2007. Nevertheless construction of high-rise residential buildings continues, with residential condominium stock rising by 7% during 2008, according to Colliers Philippines.

Japan recorded modest Tokyo condominium price rises of 1.2% during 2008. On the other hand, land prices in Japan’s six major cities fell by 6% y-o-y to Sep-2008.

In Shanghai, China, house price rises slowed to 5% y-o-y by the end of 2008, after peaking at 30% y-o-y to May 2008. However Shanghai is likely to be somewhat exceptional, and Xinhua News Agency reported house prices declines in 70 major cities during 2008. Shenzhen suffered the hardest fall, with prices down by 18% during 2008

UAE on shaky ground
In Dubai, UAE, despite the bleak global picture, saw surprisingly large dwelling price rises of 41% during 2008. However during the year’s final quarter, prices fell by 8% in nominal terms. This downturn is attributable to strongly tightening lending criteria, an increase in interest rates, multiple layoffs, and alarm among buyers.

Forecast: No recovery in 2009
History suggests that in a crash, housing markets take many years from peak year to full recovery. In view of this and of the pessimistic IMF forecast for the global economy, no real recovery is likely in the global housing markets this year.

The IMF has predicted that the world economy will grow by 0.5% in 2009, the lowest level in 60 years. GDP in advanced economies is expected to decline by 2% during 2009. The United Kingdom and Japan will be hit the hardest. Output in the UK may contract by 2.8%, while Japan’s may fall by 2.6%.

Growth in emerging economies is expected to slow to 3.3% in 2009, down from 6.3% in 2008. Developing Asia is forecast to be the least affected, with growth of 5.5%. China’s economy is predicted grow by 6.7% in 2009, but this is a substantial decline from 9% growth during 2008.

We cannot be optimistic for five reasons:
• Valuations still clearly remain stretched in most countries, in terms of price/rent ratios.
• Economic growth is slowing or negative in many countries, which is negative for housing values.
• There are no signs that banks are becoming more willing to lend.
• The unprecedented nature of the financial system’s collapse has greatly added to the difficulties facing the world’s housing markets.
• Some national governments are experiencing difficulty in refinancing their national debt, putting their currencies under pressure. Currency instability is likely to aggravate housing sector problems in countries where many loans were taken out in a foreign currency.

The positive news is that the US government and several others are acting with vigour, as has the IMF. Nevertheless, there is a long tough road ahead.

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Description of the Global Property Guide:
The Global Property Guide (http://www.globalpropertyguide.com) is an on-line property research house, specializing in analyzing residential property valuations around the world.

Terms of Use:
On-line newspapers, magazines, sites, etc wishing to use material from this press release MUST provide a clickable link to www.globalpropertyguide.com Sites and newspapers found not to be providing a link to us will be removed from our press list.

Requests for Comments:
Requests for comments are best made by telephone to +(63) 917 321 7073. UK-based callers should telephone before lunchtime. Our local time is Hong Kong time, i.e., standard time + 8.00

Economics Team:
Prince Christian Cruz, Senior Economist
Phone: (+632) 750 0560
Email: prince@globalpropertyguide.com

Publisher and Strategist:
Matthew Montagu-Pollock
Phone: (+632) 867 4220
Cell: (+63) 917 321 7073
Email: editor@globalpropertyguide.com

Address:
Global Property Guide
http://www.globalpropertyguide.com
5F Electra House Building
115-117 Esteban Street
Legaspi Village, Makati City
Philippines 1229
info@globalpropertyguide.com

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Guide to Getting Runescape Gold

Posted on 1st October 2010 in Investment

Guide to Getting Runescape Gold

Many players worry about how to get money. Here are some ways to do it in Runescape without restorting to the services of gold sellers.

There are many paths to glory in the popular free mmorpg Runescape. One of them is by acquiring as much gold as a character possibly can to acquire the best loot, a nice house, and other status items that would be more impressive if the pixels on the screen could be translated into the real world.

Even Runescape players who are not concerned about their status need gold. New weapons need to be bought, items need to be replaced, and sometimes a character needs food or just to spend some time at a local bar. The problem for the average character then becomes how to get gold.

The author does not approve of many gold guides on general principles, but occasionally a player must know legitimate ways to get gold that do not involve exchanging real currency for currency that can be used only in a game such as the kind offered by Runescape gold sellers. This Runescape gold guid will not make the player who follows it rich, but it will help the character acquire gold when he needs it for quest, trade skills, or other purposes.

Using Trade Skills to get Gold in Runescape
Trade skills are not always implemented to gain money, but a few in Runescape are good money makers. Fishing can provide a small amount of income to the determined player, but the best options for making gold in Runescape are woodcutting, farming, and monster slaying, which is not the same thing as killing monster. Below is a short list of useful and profitable trade skills or subsets of the crafting skill.

Thieving
Jewelry Crafting
Farming
Monster Slaying
Other Ways to Get Runescape Gold
Trade skills are one way ensure a character has a steady flow of income in Jagex’s popular free mmorpg. One Gold guide recommends going into the sewers of northern ladder until the player find a latter. The method used is to kill the bear, if it still attacks a character, and then pick up the two piles of gold that keep appearing in the room.

The more standard role playing tradition of killing monsters for loot is the way most players earn Runescape gold. As such, there will be certain spawns that drop valuable loot and the process that has become known as farming items for cash comes into play. Farming involves going after a certain monster or series of monsters until a desired item drops. If it is fairly a common and item, the process is repeated and the player makes money by making a lot of sales.

The structure of Runescape makes farming a little less likely, but in the above example with the bear, it is possible if the player knows which mobs to seek. Getting gold legitimately can be a time consuming process, and is worth it when a character really needs to get an item or just finds the shininess of gold appealing.

http://www.usfine.com

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Super WoW Gold Guide — How To Make Blacksmithing Profitable In World of Warcraft?

Posted on 20th September 2010 in Investment

Super WoW Gold Guide — How To Make Blacksmithing Profitable In World of Warcraft?

It is so hard to make WoW gold as a Blacksmith in World of Warcraft, why does anyone do it anyway? It’s because a Blacksmith can create awesome armor in the game. Some WoW players would actually choose this profession just to create gear for their own characters, figuring that the high quality gear would be worth the high cost of creating it. But if you can also make enough WoW gold as a Blacksmith, that would be a good profession in the game.The profession Blacksmithing has long been said to be very expensive to power level and very unlikely to earn you any WoW gold. You have to be smart about it and know how to make WoW gold. Here is a top-notch and up to date WoW gold guide will tell you how to make Blacksmithing super Profitable In World of Warcraft.

Blacksmiths have to work relatively hard for their WoW gold, and many bail out of the profession after a while, even if they are making a profit. Because this professions doesn’t generate the massive profits that some others do, the advice of a quality guide like the Warcraft Tycoon’s Handbook is crucial to ensure that your character’s business earns gold instead of losing it. Because the Handbook covers all professions, not just Blacksmithing, you can use it to see how your Blacksmith skills can work well with other professions. For example, your Blacksmith can team up with an Enchanter to do some interesting things and make serious cheap wow gold . So if you are considering Blacksmithing as a profession, the small investment needed for a top-notch gold guide will return major dividends in the game. If you want to make gears and WoW gold in the game by yourself, maybe you have a try to choose the profession Blacksmithing in World of Warcraft.

Blacksmiths will be a perfect profession in World of Warcraft if you know the ways to play well. Some people may feel boring to farm WoW gold all day in the game, so they decide to buy wow gold online. Maybe you can come to www.wow-gold-team.com to buy the cheapest, fastest and safest WoW gold. They have been selling in the gaming market over 3 years and won a good reputation for its specializing in offering the fast and reliable WoW gold.

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How To Make Blacksmithing Profitable In World of Warcraft – Super WoW Gold Guide

Posted on 18th September 2010 in Investment

How To Make Blacksmithing Profitable In World of Warcraft – Super WoW Gold Guide

Blacksmiths have to work relatively hard for their WoW gold, and many bail out of the profession after a while, even if they are making a profit. Because this professions doesn’t generate the massive profits that some others do, the advice of a quality guide like the Warcraft Tycoon’s Handbook is crucial to ensure that your character’s business earns gold instead of losing it. Because the Handbook covers all professions, not just Blacksmithing, you can use it to see how your Blacksmith skills can work well with other professions. For example, your Blacksmith can team up with an Enchanter to do some interesting things and make seriouscheap wow gold . So if you are considering Blacksmithing as a profession, the small investment needed for a top-notch gold guide will return major dividends in the game. If you want to make gears and WoW gold in the game by yourself, maybe you have a try to choose the profession Blacksmithing in World of Warcraft.

Blacksmiths will be a perfect profession in World of Warcraft if you know the ways to play well. Some people may feel boring to farm WoW gold all day in the game, so they decide to buy wow gold online. Maybe you can come to www.wow-gold-team.com to buy the cheapest, fastest and safest WoW gold. They have been selling in the gaming market over 3 years and won a good reputation for its specializing in offering the fast and reliable WoW gold.

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The Global Property Guide ? Relaunched!

Posted on 31st July 2010 in Investment

The Global Property Guide ? Relaunched!

The Global Property Guide today re-launched its web site to make its data more accessible. The home page has been simplified. Major categories have been spelled out. The new Home Page has been organized around an expanded menu, to help the reader navigate the site. Key data items are easier to find, more obvious.

The Global Property Guide

The Global Property Guide is the authoritative source of information on buying residential property. It covers every investible country in the world, from the perspective of income, tax, and capital gains. We provide research and information on 131 countries to residential property investors, with brief information on 85 countries.

Property, as an asset class, is highly susceptible to booms and busts. Across the Western world major countries have experienced a prolonged residential property boom.

Like stock prices (but with markedly different dynamics) residential property prices are now coming back down to earth. We help investors make sense of these swings by providing tools of analysis, and displaying data in a clear, comprehensive and accurate format.

Our fundamental residential property market data includes

• Price change 1 year

• Price change 5 year

• Price change 10 year

• Square metre price city centre

• Total round-trip transaction cost

• Gross yield

• Price to rent (P/R) ratio

• Price to Gross Domestic Product

• Change in interest rates

• Taxes on income (effective rates)

• Capital gains tax (effective)

• Inheritance taxes (effective)

• Buying process (graded by quality)

• Tenant legislation (graded as landlord-friendly)

• Residence (high tax / low tax)

• Economic growth

• Competitiveness

• GDP per capita

• Competitiveness rank, improvement over 5 years

• Stage of economic cycle

“Our aim is to be the Bloomberg of international residential property,” says publisher Matthew Montagu-Pollock, referring to the financial site on trading desks around the world (http://www.bloomberg.com/). “Bloomberg provides data – but also makes it easy to use.”

“It’s important for a residential investor be able to see what his likely return on investment will be. What his taxes will be. To be able quickly to check whether the laws are landlord-friendly. To survey the inheritance laws. All this is now available, for almost every country in the world, on our site, without any marketing material or any attempt to sell you anything – just the facts.”

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Description:

The Global Property Guide is an on-line property research house.

Publisher:

Matthew Montagu-Pollock Phone: (+632) 867 4220 Mobile: (+63) 917 321 7073

Email: editor@globalpropertyguide.com

Address:

Global Property Guide

http://www.globalpropertyguide.com

5F Electra House Building

115-117 Esteban Street

Legaspi Village, Makati City

Philippines 1229

info@globalpropertyguide.com

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A Mixed Year for Asian Residential Property in 2006, According to Global Property Guide

Posted on 26th July 2010 in Investment

A Mixed Year for Asian Residential Property in 2006, According to Global Property Guide

The winners: Singapore, South Korea and the Philippines

Singapore experienced Asia’s highest residential property price increases during 2006, with 9.5% real (inflation-adjusted) house price rises.

There were also 9.3% real house price increases in South Korea, and 9.1% real house price increases in the Philippines. These were seen in the Global Property Guide House Price Indices, the biggest collection of residential property price indices.

Singapore’s strong 2006 GDP growth rate, at 7.9%, pushed up demand for Singapore property. The Urban Redevelopment Authority (URA) private residential property price index rose by 10% (9.5% in real terms) in 2006.

South Korea also saw a strong rebound in property prices, despite continued efforts by the government to depress the market. The Kookmin Bank’s house price index rose 11.6% in Dec. 2006 (9.3% in real terms) from a year earlier.

In the Philippines, strong economic growth and reduced inflation contributed to the continued recovery of the real estate sector. In addition, demand from Overseas Filipino Workers (OFWs) and dual citizens has been strong, pushing prices up. Luxury condominium prices in the Philippines rose 15% (9% in real terms) in 2006, following an 11% nominal price rise in 2005, according to Colliers International.

Japan and Hong Kong are laggards

Japan’s residential property market continued to fall in 2006, despite repeated attempts by the media to portray the market as rallying. Nevertheless, the residential urban land price index registered a smaller fall in 2006 (-2.8%) compared to last year (-4.7%).

Hong Kong’s property market turned negative (-2.13%) in 2006, after impressive gains in 2004 (27%) and 2005 (8%). Higher interest rates in the US, mirrored directly in Hong Kong, were a major cause of the downturn.

Taiwan’s messy political crisis seems to have frozen residential prices, with 0% appreciation during 2006. In real terms, Taiwan experienced a decline in house prices during 2006 (-1.7%). During three years prior to the second quarter of 2006, Taiwan’s Sinyi house price index rose 17%.

In Malaysia, house prices did not to keep pace with inflation. Malaysian house prices today are at the same level as 1995, in real terms.

Thailand saw the end of ending its strong post-Asian crisis property market recovery, as the political crisis impacted the economy. House prices moved up just 1.9% in 2006 (-2.4% in real terms), after 2005’s price increase of 7% (1.5% in real terms), and 2004’s rise of 9% (6% in real terms).

Indonesia managed to reduce 4Q 2006 inflation to 6% from 16% during the first three quarters. With the house price index registering a 6.6% increase in 2006; house prices rose by 0.5% in real terms.

The 2007 elections – risks abound

2007 is an election year in Korea, Taiwan, and the Philippines, and political uncertainty is likely to increase. There will also be elections in Japan and Hong Kong, but they are unlikely to have much impact on the real estate market. In Thailand, uncertainty will increase if elections are not called.

The Philippines. A victory for President Arroyo’s party in the upcoming Congressional elections would be positive for real estate. Election years in the Philippines bring money inflows, but also increased uncertainty. But if Arroyo wins enough seats in Congress she will push constitutional change, removing constitutional limits on foreign ownership of real estate and companies – good for real estate.

South Korea. The economic interventionism of left-of-center President Roh Moo-hyun has been damaging for Korea’s housing market. His support is crumbling, and a less interventionist president may be elected in December. But even if the opposition Grand National Party wins, excessive government intervention in the housing market has a very long history in South Korea.

Taiwan. Parliamentary elections at end-2007 will provide a strong lead on whether the Kuomintang (KMT) can regain control of the presidency in 2008 from the Democratic Progressive Party (DPP). President Chen Shui-bian’s two terms have largely been spent on keeping him from being ousted. Significant banking and tax reforms have been held hostage by politics.

Japan. Half of the seats in the upper house will be contested in July. Seats held by the Liberal Democratic Party (LDP) may be reduced, risking its reform agenda. These seats were won with the help of former prime minister and popular reformist Junichiro Koizumi.

Hong Kong. Donald Tsang is up for re-election as chief executive where elections are still largely ceremonial and Beijing’s anointment is the only significant factor. Pro-democracy campaigners are hoping and pushing for reforms to full democracy and Mr. Tsang’s failure to push for constitutional reforms in 2005 means that this will be his last term.

Thailand. The sooner elections are called, and Thailand is returned to democracy, the better it will be for the property market and the economy as a whole. The fate of Thailand’s property market hinges on the junta. If the junta prolongs military rule, the market will suffer.

The Global Property Guide sees inflation risks to be minimal in Asia in 2006. But other risks threaten the real estate market, particularly the re-emergence of bird flu in several countries, Indonesia in particular.

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High Yields On Residential Property In Chile, Says Global Property Guide

Posted on 16th July 2010 in Investment

High Yields On Residential Property In Chile, Says Global Property Guide

Santiago and Concepción are attractive for residential property investors, Viña Del Mar less so, says the Global Property Guide

There are surprisingly large differences between returns on residential property in Chile’s main cities. The Global Property Guide (http://www.globalpropertyguide.com), the research site for residential property, released today the results of research into rentals in major cities of Chile. It revealed that:
• Apartments in prime areas of Santiago have excellent average rental yields of 8.16%.
• Apartments in the city of Viña Del Mar yield only half as much, on average, with gross rental yields of around 4.31% only.

The rental yield is the annual rental income on a property, as a percentage of today’s property purchase price. This is what a landlord can expect as return to his investment. The rental yield is one useful yardstick of whether property is over-valued or under-valued

The high yields on apartments in prime areas of Santiago – Las Condes, Providencia, and Vitacura – suggest that these Santiago areas make good residential property investments.
Apartments in prime areas of Santiago cost on average US$ 98,520 for a 60 square meter apartment, according to the Global Property Guide’s research, versus US$ 87,480 for the same sized property in Viña Del Mar. However, 120 square meter apartments are more expensive in Viña Del Mar than in Santiago.

The result? Looking across the different sizes, prices in the two cities are more or less the same, on average.

Though apartments in Santiago and Viña del Mar cost around the same, per square meter, yet Santiago apartments produce twice as good rental returns – i.e., rents for the same sized apartment in Santiago are nearly twice as high. This means that Santiago is much more attractive as a residential investment.

In the southern city of Concepción, 120 square meter apartments have excellent gross rental yields of 9.04% – also, an excellent level of rental yields, making Concepción a very attractive investment.

Why consider rental yields? Some investors in residential property may ignore rental returns, being more concerned with capital gains.

Yet even they would do well to consider rental yields. The rental yield, or price/rent ratio, is similar to the price/earnings ratio in the stock market. As in the stock market, property investments with high rental yields tend to perform better, and have higher capital gains, in the long-term.

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Extensive Report - http://www.globalpropertyguide.com/Latin-America/Chile/Rental-Yields

Description:
The Global Property Guide is an on-line property research house.

Terms of Use:
On-line newspapers, magazines, sites, etc wishing to use material from this press release MUST provide a clickable link to www.globalpropertyguide.com. Sites and newspapers found not to be providing a link to us will be removed from our press list.

Publisher and Strategist:
Matthew Montagu-Pollock
Phone: (+632) 867 4220
Cell: (+63) 917 321 7073
Email: editor@globalpropertyguide.com

Address:
Global Property Guide
http://www.globalpropertyguide.com
5F Electra House Building
115-117 Esteban Street
Legaspi Village, Makati City
Philippines 1229
info@globalpropertyguide.com

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Lotro Gold Guide

Global House Price Downturn Accelerated At End Of 2008 According To The Global Property Guide

Guide to Getting Runescape Gold

Super WoW Gold Guide — How To Make Blacksmithing Profitable In World of Warcraft?

How To Make Blacksmithing Profitable In World of Warcraft – Super WoW Gold Guide

The Global Property Guide ? Relaunched!

A Mixed Year for Asian Residential Property in 2006, According to Global Property Guide

High Yields On Residential Property In Chile, Says Global Property Guide