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	<title>Life Journal &#187; Real Estate</title>
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	<link>http://www.seminariotuneles.com</link>
	<description>All About Finance and Health</description>
	<lastBuildDate>Thu, 01 Dec 2011 08:01:10 +0000</lastBuildDate>
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		<title>The Real Estate Market in West Vancouver</title>
		<link>http://www.seminariotuneles.com/real_estate/the-real-estate-market-in-west-vancouver/</link>
		<comments>http://www.seminariotuneles.com/real_estate/the-real-estate-market-in-west-vancouver/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 07:44:48 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.seminariotuneles.com/?p=1551</guid>
		<description><![CDATA[Because the housing market collapse in 2008, there is a somewhat bumpy road for the real estate industry in Canada, but the difficulty of this route depends on where you live. The Vancouver market has been taken really well done will only take about two years on his feet, the highest of all time who [...]]]></description>
			<content:encoded><![CDATA[<!-- sphereit start --><p style="text-align: center"><img class="aligncenter" src="http://buyric.com/blogs/files/2011/05/1-Unprecedented-Demand-for-West-Vancouver-High-End-Luxury-Real-Estate-2011.jpg" alt="" width="345" height="222" /></p>
<p style="text-align: justify">
<p style="text-align: justify">Because the housing market collapse in 2008, there is a somewhat bumpy road for the real estate industry in Canada, but the difficulty of this route depends on where you live. The Vancouver market has been taken really well done will only take about two years on his feet, the highest of all time who were seen shortly before the crash, and now the average house prices have been hovering around this level. So what are the current prospects for the Vancouver market?</p>
<p style="text-align: justify">Vancouver real estate market</p>
<p style="text-align: justify">Supply and demand, if you discuss the real estate industry or any other sector of the supply and demand is usually the driving factor of the economy. If there are too many houses for sale and not enough buyers, the market will stagnate and decline in prices. On the other hand, if it is swollen to many buyers and not enough homes for sale prices because we will end up with higher bids &#8211; though many buyers want the same house. This scenario may sound good for people who sell, but overall it&#8217;s driving up prices well above average and may ultimately negatively affect the market.</p>
<p style="text-align: justify"><span id="more-1551"></span></p>
<p style="text-align: justify">The real estate market in West Vancouver</p>
<p style="text-align: justify">This is exactly what the West Vancouver real estate market place in spring 2011. Houses were sold well above the list price (sometimes less than $ 300k later), that more buyers wanted to buy the same house. And increases the average price of real estate even higher in the community have exclusive Vancouver. But this market is not sustainable and should soon be made.</p>
<p style="text-align: justify">North Vancouver Market</p>
<p style="text-align: justify">Although the neighboring municipality of North Vancouver to be seen, is quite the same highly inflated sales price, a few houses attract more buyers and were sold over the asking price. Real Estate Market in North Vancouver is much more stable, but average prices are closer to all-time highs in 2008.</p>
<p style="text-align: justify">The outlook for the Vancouver real estate market</p>
<p style="text-align: justify">The Real Estate Board of Greater Vancouver (REBGV) publishes monthly statistics on the information of its 10 400 members or more is based. Factors as the number of ads, the number of apartments sold and the prices of houses are sold as such to the Board to compare information from month to month and year after year. The REBGV then publishes these statistics so that we can know what the real estate market is Vancouver.</p>
<p style="text-align: justify">The figures were published in July 2011, show that the market for total compensation. This is because in recent months, there were more sellers than buyers and thus settle the prices even when supply and demand were.</p>
<p style="text-align: justify">What does this mean for those who are called to buy or sell a home now? Unless you want, in the hope that the West Vancouver or the west side of Vancouver (where prices are rising well above the average for Vancouver), buy a balanced market should indicate a good time to buy or sell.</p>
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		<title>Real Estate Assessment Factors</title>
		<link>http://www.seminariotuneles.com/real_estate/real-estate-assessment-factors/</link>
		<comments>http://www.seminariotuneles.com/real_estate/real-estate-assessment-factors/#comments</comments>
		<pubDate>Fri, 26 Aug 2011 07:44:59 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.seminariotuneles.com/?p=1553</guid>
		<description><![CDATA[Once the owners have decided to make their homes for sale, more authentic because it is the best thing to do next. However, it is not as easy as it sounds. Valuation can be complex and may be difficult to understand especially for beginners amateurs. Home appraisal is to attract one of the most important [...]]]></description>
			<content:encoded><![CDATA[<!-- sphereit start --><p style="text-align: center"><img class="aligncenter" src="http://www.brightrich.ru/upload/iblock/eb8/stubii-huhpqxgqutx_new.jpg" alt="" width="413" height="240" /></p>
<p style="text-align: justify">
<p style="text-align: justify">
<p style="text-align: justify">Once the owners have decided to make their homes for sale, more authentic because it is the best thing to do next. However, it is not as easy as it sounds. Valuation can be complex and may be difficult to understand especially for beginners amateurs. Home appraisal is to attract one of the most important in this process so that the likely buyers.</p>
<p style="text-align: justify">House evaluation has much at stake, can not sell these misfits to the market or it could be for a price, the lower is its value to sell. To avoid this error, you may have some options to help one of the most accurate assessment or evaluation and a house can sell with good price, take into consideration.</p>
<p style="text-align: justify">Contrary to what most think of the practice is not all real estate agents a detailed assessment at a steadily. However, you can suggest an appropriate sales or rental process. However, when considering to set their houses on the market, real estate brokers are probably those who will support you in a position in the whole process.</p>
<p style="text-align: justify"><span id="more-1553"></span></p>
<p style="text-align: justify">Real estate agents help to get an accurate assessment and determine how much you have property for sale, they can also be the most likely buyer. Review to include a number of factors, and all it has to be properly assessed as the most appropriate assessment factors such as house age and type of house, shelter inside .</p>
<p style="text-align: justify">In addition, there are also devices on the home and its features. The property is the state of repair materials and construction. The site may also be important and the surrounding developments, if there is a need to be taken into account. The more detailed evaluation, the better to ensure that the house is properly assessed and less chance of error.</p>
<p style="text-align: justify">After an evaluation of the property, these professionals then market value, which will affect the strength of the market, the local supply and demand, and of course the sale and rent in the area. You could probably check the prices on some houses will be like the most competitive prices to sell.</p>
<p style="text-align: justify">Note that the home assessment should be free to make the agent an agreement. For this reason, it is too much for a recommended minimum of three reports and decide who among them is very reasonable. While everyone wants to maximize the value of their house, but a house expensive can be very difficult to sell.</p>
<p style="text-align: justify">With the world economy today, most consumers would go to whoever offers the cheapest. That&#8217;s why we&#8217;re doing a good price, even with a value of large house, in order to get the buyer to have the most appropriate.</p>
<p style="text-align: justify">However, if one decides to assess their homes for sale, it must be very precise. Product, as some buyers might want to have to get her home to be tried by an independent surveyor to set its trend.</p>
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		<title>Investment Choice in California Real Estate</title>
		<link>http://www.seminariotuneles.com/real_estate/investment-choice-in-california-real-estate/</link>
		<comments>http://www.seminariotuneles.com/real_estate/investment-choice-in-california-real-estate/#comments</comments>
		<pubDate>Fri, 12 Aug 2011 07:15:54 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Property]]></category>

		<guid isPermaLink="false">http://www.seminariotuneles.com/?p=1531</guid>
		<description><![CDATA[Investment clubs in San Diego is one of the most frequently searched phrases on the Internet. Investors looking for real estate groups in some cities to get targeted information. Limit search by adding the city in search gives investors the opportunity to find resources of ownership in any city you choose. Investment clubs in San [...]]]></description>
			<content:encoded><![CDATA[<!-- sphereit start --><p style="text-align: center"><img class="aligncenter" src="http://www.land-finder.info/wp-content/uploads/2011/06/lux3.jpg" alt="" /></p>
<p style="text-align: justify">
<p style="text-align: justify">
<p style="text-align: justify">Investment clubs in San Diego is one of the most frequently searched phrases on the Internet. Investors looking for real estate groups in some cities to get targeted information. Limit search by adding the city in search gives investors the opportunity to find resources of ownership in any city you choose.</p>
<p style="text-align: justify">Investment clubs in San Diego is a popular search choice because it is one of the most beautiful cities in the state of California. Real estate investors can enjoy the bonus of living in this charming city or choose to buy investment property in the San Diego area.</p>
<p style="text-align: justify">Investment clubs are a valuable resource for real estate investors. Clubs can provide information to help investors buy properties and expand their real estate portfolios. Most real estate networking groups offer seminars, lectures and guest speakers to provide investment advice to members of the club.</p>
<p style="text-align: justify">A major benefit of joining investment clubs in San Diego or other metropolitan city, is the ability to network with like-minded people. Members often include mortgage brokers, real estate agents, mortgage lenders, home inspectors and appraisers, insurance agents, real estate and other investors knowledgeable about the San Diego area.</p>
<p style="text-align: justify"><span id="more-1531"></span></p>
<p style="text-align: justify">If you are looking for investment clubs in San Diego, chances are you want to build your professional network. The search for real estate investment clubs in specific areas can help you find the perfect group, but this is not the only way to develop a portfolio of real estate investments.</p>
<p style="text-align: justify">Instead, consider seeking a mentor through San Diego real estate groups. Seasoned real estate investors can provide valuable advice that others do not know. Mentors can give you an edge over other novice investors.</p>
<p style="text-align: justify">A professional real estate investor should have partnerships with realtors, general contractors, home appraiser, inspectors, mortgage lenders and other investors. These contacts usually need at least one year of networking firm to assemble a strong team.</p>
<p style="text-align: justify">Joint Venture (JV) deals are a good option for first time investors to begin building their investment portfolios. Instead of waiting to receive sufficient education in real estate investments, investors, beginners can start making money now.</p>
<p style="text-align: justify">Experienced investors benefit from real estate joint ventures because they are able to generate more value without having to provide initial funding on their own. JV deals are good for all parties involved that the net profits are dispersed in a timely manner.</p>
<p style="text-align: justify">Arming yourself with knowledge is the only way to achieve real estate investing success. Outside of club meetings, you can read all about real estate investment. Learn from masters such as Donald Trump, Ron Legrand and Russ Whitney.</p>
<p style="text-align: justify">Most important information real estate investment is available via the Internet at no charge. Public libraries are also a good source for information to invest. Many libraries offer classes and seminars of investing that can be borrowed.</p>
<p style="text-align: justify">It is rarely necessary to invest in real-time property investment course. However, if you find a course you feel you can not live without certain to be involved in due diligence to ensure that the person you are buying from is a real authority with a good reputation.</p>
<p style="text-align: justify">Investment property is a growing business model. Many investors who buy houses are creating their fortunes from real estate transactions. Are you ready to start building your fortune? There is no better time than now to become a profitable real estate entrepreneur.</p>
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		<title>Invest on Real Estate Market</title>
		<link>http://www.seminariotuneles.com/real_estate/invest-on-real-estate-market/</link>
		<comments>http://www.seminariotuneles.com/real_estate/invest-on-real-estate-market/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 07:15:28 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Property]]></category>

		<guid isPermaLink="false">http://www.seminariotuneles.com/?p=1529</guid>
		<description><![CDATA[Investing in real estate market is much more than the location of a property to call home. Buying property is a way to more and more popular to make money and has become a common investment. While the housing market has many opportunities to make large gains, buying and owning real estate is much more [...]]]></description>
			<content:encoded><![CDATA[<!-- sphereit start --><p style="text-align: center"><img class="aligncenter" src="http://indianapolis-indiana.funcityfinder.com/files/2009/09/Real-estate-investment.jpg" alt="" /></p>
<p style="text-align: justify">
<p style="text-align: justify">
<p style="text-align: justify">Investing in real estate market is much more than the location of a property to call home. Buying property is a way to more and more popular to make money and has become a common investment. While the housing market has many opportunities to make large gains, buying and owning real estate is much more complex than investing in stocks and bonds default. Market there are a number of different ways to be an investor in this area.</p>
<p style="text-align: justify">Investing in rental properties has been practiced for many years. An individual or group wants to buy a property and then rent it to tenants. The owner is responsible to make payments on the mortgage and all other costs such as taxes and the actual costs of maintaining the property. The owner will be charged enough rent to cover their expenses and profit.</p>
<p style="text-align: justify">The owner will continue to accept rent and apply it to the mortgage. Once the mortgage is paid, they will be able to earn higher profits. The property will increase in value over time, as it is well maintained. This is so common and less risky to buy properties.</p>
<p style="text-align: justify"><span id="more-1529"></span></p>
<p style="text-align: justify">There are also placement agencies that allow investors to buy rental properties without having to deal with the landlord. The investment group will manage the property. They will take care of all maintenance issues, to fill vacancies and all other duties of a property manager. Investors can buy more units without having to worry about property management. In exchange for these services, the company will take a percentage of rent</p>
<p style="text-align: justify">Another option is to invest in real estate investment trust (REIT) is generated each time a company uses investors&#8217; money to buy properties. REITs are bought and sold in the foreign exchange market. A company must pay 90% of its taxable profits to keep its status as a REIT.</p>
<p style="text-align: justify">Using this method, REITs avoid corporate tax by paying the REIT are known to be a sound investment for individuals who need to earn a regular income. This type of investment includes non-residential properties such as office buildings and shopping centers.</p>
<p style="text-align: justify">Palms property is another way to make money in this industry. Investors can buy a home below the market and make the necessary repairs to the house which will increase its value. These improvements include painting, carpentry work ahead, whatever the needs of particular property. The key is not to spend more for the property than what you&#8217;ll sell it for. They are fast transactions and investors need to sell before they are stuck paying a mortgage.</p>
<p style="text-align: justify">Invest in the real estate market requires a certain level of knowledge about the industry. There are a number of different ways to make money by selling different types of goods. Some methods are more complex than others. For those who are warned to make money by investing in properties is a good way to earn income on the same in a declining economy.</p>
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		<title>Residential Real Estate in California</title>
		<link>http://www.seminariotuneles.com/real_estate/residential-real-estate-in-california/</link>
		<comments>http://www.seminariotuneles.com/real_estate/residential-real-estate-in-california/#comments</comments>
		<pubDate>Sun, 19 Jun 2011 16:05:50 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[residential]]></category>

		<guid isPermaLink="false">http://www.seminariotuneles.com/?p=1464</guid>
		<description><![CDATA[U.S. economy moves into recession is unlikely, but the economic downturn, a fact that the residential real estate market may have already concluded. In general, the recovery houses to help the global economy, showing that the recovery time Forward recovery is one of the economic indicators. Unfortunately, it not only could not this time, not [...]]]></description>
			<content:encoded><![CDATA[<!-- sphereit start --><p style="text-align: center"><img class="aligncenter" src="http://www.thebesthouse4u.com/interface/fader_1.jpg" alt="" /></p>
<p style="text-align: justify">
<p style="text-align: justify">U.S. economy moves into recession is unlikely, but the economic downturn, a fact that the residential real estate market may have already concluded. In general, the recovery houses to help the global economy, showing that the recovery time Forward recovery is one of the economic indicators. Unfortunately, it not only could not this time, not so new construction jobs created, as was the case during previous economic recoveries.</p>
<p style="text-align: justify">California, a South Florida, Las Vegas, Phoenix, AZ area or near the zone has had a disposal rate as a Riverside County line is extremely hard hit counties, has a few. It is a very fast growing and many people lost their jobs after all more than they afford to spend in the upper portion of the market to buy a new house, there is no way to pay for them. On the other hand, if I can not believe it houses some 60 percent lost 40 percent of the value bought.</p>
<p style="text-align: justify"><span id="more-1464"></span></p>
<p style="text-align: justify">Not long ago, here in Riverside County, talking to someone unemployed, but this tragedy to be able to recover from the financial economy to get a degree went back to school. Marino Valley, he&#8217;s a very nice suburban areas live. He explained this to me, you said;</p>
<p style="text-align: justify">&#8220;I Moreno Valley is beautiful, but the recession real estate prices hurt the existence of which it so quickly grow, especially because like that fact in the United States most affected areas, one, but, all the earth now, I&#8217;m a criminal organization move now to worry about As middle-class tract homes are built very well? &#8220;</p>
<p style="text-align: justify">It&#8217;s gangs, violence and murder, and if really bad, in fact, I asked. He said there was a crime, but the next day, I&#8217;m just a teenage girl 17 years old, he attended a friend&#8217;s party in the city I&#8217;ve been shot in front of the house, see in the newspaper. She sudoeeotjiman car to drive, was bleeding badly in the middle of the neighborhood, help others, began to scream. They took her to the emergency hospital, but he died.</p>
<p style="text-align: justify">He often every 1 percent increase in the number of mortgages has increased by 2.5 percent crime rate. During the last real estate crash, the number of FBI data, the last one is not a scam. However, all data that is now caught up with reality. Marino Valley, such as residential real estate market in these suburbs at least three years to come as close to recovery, but still look 5 or more is likely. To return to the situation where it is, is eight years total.</p>
<p style="text-align: justify">Many California residential real estate assessment is undergoing a ten nyeonjugireul, slightly more than this period or may be as a result of government economic policy seems to be, or at the end of the bursting of the bubble size, the reality of just 2008. In fact, I believe that you are considering it, please please.</p>
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		<title>Know More About Real Estate CRM</title>
		<link>http://www.seminariotuneles.com/real_estate/know-more-about-real-estate-crm/</link>
		<comments>http://www.seminariotuneles.com/real_estate/know-more-about-real-estate-crm/#comments</comments>
		<pubDate>Fri, 17 Jun 2011 15:43:25 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Property]]></category>

		<guid isPermaLink="false">http://www.seminariotuneles.com/?p=1462</guid>
		<description><![CDATA[Several blog posts, news articles, and read a guide to the world of real estate, then I have an ongoing &#8211; the biggest obstacle to success in the job yourself you can get overwhelmed by. November to finish the exploration contract from the contract shows eventually lead, which stunned many steps involved in each real [...]]]></description>
			<content:encoded><![CDATA[<!-- sphereit start --><p style="text-align: center"><img class="aligncenter" src="http://d3q5uoto98h4t4.cloudfront.net/wp-content/uploads/2010/07/no-sales.jpg" alt="" width="281" height="350" /></p>
<p style="text-align: justify">
<p style="text-align: justify">Several blog posts, news articles, and read a guide to the world of real estate, then I have an ongoing &#8211; the biggest obstacle to success in the job yourself you can get overwhelmed by. November to finish the exploration contract from the contract shows eventually lead, which stunned many steps involved in each real estate transaction, and that he / she is not configured confuse so much real estate. Pens, paper, file &#8211; you can use traditional methods of organization, but in this era, CRM (customer relationship management) software to create, helping them is the easiest way to simplify the process more effective salesperson.</p>
<p style="text-align: justify">Real Estate CRM software agent contacts, properties, conference, earnings, and the more information you can track type. You create a list of potential customers that you can use to note that the property was, and to notify her about an important upcoming meeting to add In addition, the history and characteristics of your customers so that you can use to track who always saw the property, any assets, and others about the level of attention given.</p>
<p style="text-align: justify"><span id="more-1462"></span></p>
<p style="text-align: justify">Action of the CRM software is a simple example, consider: John, your office, if you&#8217;re looking for real estate advice, your own contact information, reasons to wait, and other relevant information about the history, contact list, you can use CRM to add to the prompts. Looking at the list of attributes, you and John John&#8217;s interest to add this information to the contact page, I can see a few. Add a note on the property can be set to display zone and meeting notifications. After closing the sale, you compare the sales and other sales made Bueno, buddy you can decide what will be improved.</p>
<p style="text-align: justify">With its team members and customers choose to share information about the property because you are working with other agents timeuleseo property is useful if the OGC. Call one day in your office and your customers if they come from one of the other team members on this information immediately to the customer rate and leave comments on any new updates are available to come to this petition. Rather, in order to dig through stacks of files, forcing the team to decipher handwriting than try, find related information to help all customers at once, you can use CRM to simplify and streamline the entire process.</p>
<p style="text-align: justify">With the increasing importance of technology projects today, Real Estate CRM you through the competition to give you a leg is a good way. When all efforts to improve the real estate CRM your business to generate revenue to concentrate on giving more time for you, can you do?</p>
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		<title>Guide to Commercial Real Estate</title>
		<link>http://www.seminariotuneles.com/real_estate/guide-to-commercial-real-estate/</link>
		<comments>http://www.seminariotuneles.com/real_estate/guide-to-commercial-real-estate/#comments</comments>
		<pubDate>Mon, 02 May 2011 21:36:53 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[residential]]></category>

		<guid isPermaLink="false">http://www.seminariotuneles.com/?p=1379</guid>
		<description><![CDATA[Commercial property differs from residential real estate properties that are either purchased land and buildings. Be designed to obtain the buyer on the income. This form of property is generally divided into four categories: retail, office, industrial and institutional. Multifamily not only falls in the residential and commercial property, but because the owner is a [...]]]></description>
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<p style="text-align: justify">Commercial property differs from residential real estate properties that are either purchased land and buildings. Be designed to obtain the buyer on the income. This form of property is generally divided into four categories: retail, office, industrial and institutional. Multifamily not only falls in the residential and commercial property, but because the owner is a profit from rents paid by tenants.</p>
<p style="text-align: justify">commercial real estate includes the purchase of medical centers, malls, hotels and motels and shopping centers. Firm purchasing real office buildings, typically several units. Industrial Real Estate refers to the purchase of warehouses, garages, and land use for industrial purposes. Multifamily refers to buildings that house multiple families, other than single family residences. Apartments, condominiums, duplexes and all fall into this category.</p>
<p style="text-align: justify"><span id="more-1379"></span></p>
<p style="text-align: justify">The new property may not know that the land sale is divided into areas of the city for various purposes. When searching for a commercial property, one of the first things to be careful or not the list is zoned for commercial use.</p>
<p style="text-align: justify">When buying commercial real estate for the first time, many buyers are not sure that the agent of residential property and business are different. For most, their jobs are the same. A real estate agent in charge of the list and view the properties and coordinates with all involved in the transaction.</p>
<p style="text-align: justify">A key difference is what led to the inclusion of a commercial property rather than residential. There are several factors to take into account when calculating the selling price and business records that must be copied to potential buyers. The value of machinery and accessories to the property is to be noted that the total cost.</p>
<p style="text-align: justify">The task of marketing a property does not vary much between a commercial and residential corridor. There are several ways that you can be a real estate market, especially in the age of the Internet savvy consumer. Virtual tours are becoming a common tool used to promote a list of runners. Although the methods used to market the sale can not be different, your customers may not be the same as someone trying to buy a house.</p>
<p style="text-align: justify">Seals, also known as trusts, are not very different either. All transactions must be processed by a trust, a third, which is traditionally the closing documents will be signed by all parties. Whatever the type of sale, all property transactions must be negotiated by a third party, which also handles the money. The title company is responsible for achieving the sales documents and in the dissemination of closing costs.</p>
<p style="text-align: justify">Make a purchase for the first time the commercial and financial risk can be intimidating. There are questions that every buyer should make sure that when you ask the agent interested in a list. These questions can help you make the decision to purchase less stressful and more complete. It is important to ask how long the property has been available. Knowing that the property has been on the market for a long period is a useful negotiating tool. Ask if there is a shutdown problem can indicate problems with the property transfer inspection. When you buy a property, it is imperative to inquire about his condition. The price may seem, with a budget of consumers, but if a major renovation or investment required can be useful to the end. As mentioned above, requesting that the zoning of the property is set which is the use of the property can be. It is also essential for the understanding of shopping or not the property easements. They can also restrict use. Commercial real estate may seem terrible at first, but only if the buyer asks lots of questions and has a reliable intermediary rewards can be huge.</p>
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