Learn Which EJuice Extractor Is Right For You


Juice extractors are electric machines from an assortment of makers, for example, Breville, Kenwood, Green Star, Omega, Champion, Jack Lalane, Samson and L’Equip that are utilized for the extraction of juice from products of the soil. Juice extractors are ideal for solid, reviving and newly mixed deals with like products of the soil juices. Juice extractors are the most ideal approach to get incredible tasting nutritious beverages. Juice extractors are not equivalent to citrus juicers, which are intended to eliminate the juice from citrus products of the soil more. Juice extractors are completely appropriate for making juice of delicate and hard products of eliquid,  the soil also. Orange, apple and grape juice are altogether astounding juices that ought to be remembered for a sound eating routine. Carrots, wheatgrass and grain grass have numerous exceptional wellbeing properties.


Kinds of Juice Extractors


Regularly, programmed juice extractors are arranged into Centrifugal Juicers or Masticating Juicers. Divergent Juicers use cutters that shred the food into little pieces that are spun in a container (where the axis comes in) to separate the juice from the mash. These diffusive juice extractors can make oxidation that debases supplements over the long haul which implies that the juice ought to be smashed immediately. Chewing Juicers “bite” the food up and are lower speed units that produce a more excellent juice since they produce less oxidation and delivery more supplements. The juices created have a more extended time span of usability. There is additionally a third kind of juice extractors and these are the Hydraulic Press Juicers, for example, the Norwalk Juicer which cuts and meshes the produce utilizing a vortex triturator, with the subsequent mass separated into a cloth sack which is then positioned under a pressure driven press. The pressure driven press at that point applies an enormous downforce that sees the extraction from the Norwalk Juicer of half 100% more squeeze than different juicers. These juice extractors produce almost no oxidation and are promoted to make the most elevated supplement juice, but at the same time are substantially more costly than the diffusive or chewing juice extractors.


Which is the Best Juice Extractor?


The response to this truly lies with the client. The quickest squeeze extractors are the outward juicers, however they can’t deal with verdant greens and wheatgrass just as different kinds. The pressure driven press extractors produce the best squeeze yet are over the top expensive. What’s more, the chewing juicer requires more actual exertion. Thus, to pick one machine from one producer is beyond the realm of imagination with every maker having a scope of home, business, ace or expert juice extractors. When purchasing a juice extractor, the most ideal route is to choose which highlights you need in a machine, the sort of juice you need to separate, regardless of whether from organic product, for example, apples, vegetables, for example, carrots or verdant greens, for example, wheatgrass, and the force required.


Who Regulates the Gambling Regulators?

The current phase of regulation of the gambling market in EU jurisdictions is now almost over. Following the Spanish Gambling Regulation Act reaching the statute book, there is only one big jurisdiction left which has not yet regulated its gambling industry according to the EU legislation and European Commission (EC) directives – Germany. Other jurisdictions, such as Greece and Denmark, have yet to complete their journey to regulation, but they are not that far from the finishing line.

It is no secret that many countries were pushed into changing their legislation by court cases brought by commercial operators and infringements proceedings started by the EC. It is not too much of an exaggeration to say that some governments had to be dragged kicking and screaming to allow private operators into the national gambling market. Many countries did the minimum amount that was sufficient to stop EU infringement proceedings and designed regulatory frameworks that favoured, if not outright protected, their state-owned gambling monopolies. Additionally, just to make sure that commercial operators are not too successful, these same governments also imposed a high tax rate. France is a classic case study of this course of action and to a certain extent Spain and Greece are following French footsteps. Germany cannot bring itself to walk even that far.

Within this mix, regulators are given a wide remit to keep a check on commercial operators. ARJEL in France is fairly aggressive in making sure that commercial operators do not infringe the regulations, and even more aggressive with those who do not obtain a French licence but who continue to operate in France. 메이저놀이터

The role of regulators has up to now not been sufficiently analysed. Are they independent entities who regulate the market, similar to a Financial Services Authority or a Central Bank for the financial sector? Or are regulators in the gambling industry solely an arm of the country’s executive?

So far, the pattern of behaviour of gambling regulators leads observers to think that they act more like the arm of governments than independent referees.

Where state-owned gambling operators have a large market share and are protected by law from competition in certain sectors like lotteries, the behaviour of regulators tends to be important, not only as a matter of fairness, but from the point of view of enabling a truly competitive market. There is something wrong when the state controls the biggest firm or firms in the market and at the same time makes the rules through the regulator.

France is the case in point. The state controlled PMU and FDJ’s dominant position in land-based gambling activities (where they are protected by law) allowed them to gain a competitive advantage in online activities, even thought the law states they have to separate their land-based and online businesses. It took the European Gaming and Betting Association’s complaint to the French Competition Authority (FCA), and the subsequent non-binding opinion of the FCA stating that PMU and FDJ behaviour distorts the market to raise the issue. This is a classic case where the regulator should have intervened. One of ARJEL’s declared missions, after all, is to ensure compliance by operators.

One has to wonder if the reluctance, or frustration, of certain governments in allowing commercial gambling operators to trade is being reproduced in the actions of regulatory bodies.

It is in the interest of a properly functioning market that gambling regulatory bodies are independent, and seen to be independent. Additionally, regulatory bodies need to acquire high calibre professionals with expertise of the gambling industry and the required skill sets to allow them to conduct their supervisory role for Industry Trends in an efficient manner.


Merchant Accounts – Now You Can Accept Credit Cards Quickly and Easily

Merchant money owed are contracts among an acquiring financial institution that extends strains of credit to a merchant, and that allow companies to just accept price for goods or services thru credit score cards.

It have to be known that customers are more likely to shop for from groups that take delivery of credit playing cards. Statistics display that agencies with service provider accounts will see sales numbers increase right away. According to information, the average coins sale is $nine, at the same time as the average credit score card sale is about $40.

No depend what form of enterprise you own, the supply of merchant bills can help your cash drift in numerous ways. Here are a number of the advantages for the usage of merchant bills:

– Having credit score card facilities approach you may offer customers the option to purchase immediate.

– Merchant account processing fees are frequently lower than check transaction costs.

– Issues approximately debt collection turns into the bank’s trouble, now not yours.

While there are some particular benefits to having a service provider account facility on your business transactional needs, there are also some drawbacks to consider.

– Its vital that you protect your enterprise from credit score card fraud.

– You may additionally want to examine and probably revise your rules regarding price-backs and refunds to reduce damages.

– If your business accepts credit score playing cards in your internet site, make sure to apply fraud safety measures to decrease the danger of fraud, theft and scams.

Instituting Merchant Accounts

Setting up a merchant account can be tremendously simple. You will need to set up a bank account for your business enterprise for the proceeds of any credit card purchases to be credited to. You will even want to hire processing gadget and software program with a view to facilitate transactions.

If you’re going to be processing credit score playing cards thru your organization’s website, you may want to sign up with a price gateway like CyberCash or VirtualNet. Make sure that the service provider account software you’ll be using is like minded with your online price gateway.

Importance Of Comparing Merchant Accounts

Before you call your financial institution to get a merchant account, take the time to evaluate the options and services of numerous specific banking establishments, further to service provider account companies. Fees and expenses often vary substantially, so its very critical to check what you’ll be charged and what costs are probable for every transaction.

For example, fees would possibly encompass preliminary start-up prices, gadget monthly hire prices, sales volume fees, transaction and processing costs. When looking at ability merchant account vendors, be sure to ask for a written listing of all of the expenses you are likely to incur so you can as it should be compare them with other companies.

Merchant Account Charges and Fees

Different vendors can also fee a few form of utility charge. This can variety from $0 as much as $100, once in a while more relying on your lender. high risk merchant account fees

You can also need to purchase your software program, which could variety in value around $one hundred, or more. Once this software is mounted, its feasible you may have to pay a licensing hire on the software, which could range from $20-$50/month. Again, this depends for your lender or service provider account company.

In addition to these, you will also incur transaction fees which can vary among $.20-.50 according to transaction. While they do not sound always high, consider in case you system a large variety of transactions, this can upload up.

Other charges you need to make certain you ask any ability merchant account vendor encompass fee returned charges, announcement expenses, minimal usage charges, annual fees, account retaining charges and close out prices.

Find the Best Dealers For Hyundai Auto Parts


The vehicles turning out from the Korean auto making monster – Hyundai Motors has consistently been causing a ripple effect on the lookout and that too for all the valid justifications. The organization is known for its boss quality vehicles which can even be purchased by low spending clients on account of their moderate costs. These genuine worth vehicles are pressed with all the solace and execution guidelines, one searches for in an all around designed vehicle.


With so numerous Hyundai sellers everywhere on the world, in various nations and various urban areas, getting a Hyundai vehicle fixed with new parts is no biggie by any means. Plus, every one of the models by this organization is mainstream enough to get their parts in the neighborhood advertises also. The web stage additionally has scores of such organizations used auto parts who sell Hyundai car parts. The majority of these stores brag of loading a full choice of each sort of Hyundai automobile parts directly from the Hyundai OEM Parts to the reseller’s exchange Hyundai body parts.


The online stores offer internet seeing office through their indexes. Things can likewise be requested from them utilizing their safe online exchange techniques. The Hyundai vehicle parts are accessible in the accompanying classes:

  • Accessory
  • Air Intake
  • Body Electrical
  • Body Mechanical and Trim
  • Brake
  • Carburetion
  • Climate Control
  • Clutch
  • Cooling System
  • Drive Belts
  • Driveshaft and Axle
  • Engine Electrical
  • Engine Mechanical
  • Exhaust
  • Fuel Delivery
  • Fuel Injection
  • Steering
  • Suspension
  • Transmission

The parts are accessible for a wide range of vehicles by Hyundai including cars, cars, vans and SUVs. Yet, with the ascent of trickery of items, purchasing from believed sources is just fitting. Thus, one should purchase just from authorized Hyundai vendors to guarantee that the automobile parts are unique. This is on the grounds that solitary unique car parts can draw out the best execution from a Hyundai vehicle.

3 Dangerous Thought Patterns That Can Destroy Your Business

Many people desire to go into business for themselves but few individuals actually do. And those who do, 6 out of 10 of them fail within the first five years. Why are these businesses failing? I’ll expose 3 dangerous thought patterns that can destroy your business and how to overcome them.

#1: Doing What You Want To Do Without A Clear Vision

A lot of people, who go into business for themselves are an expert in his or her craft. Unfortunately, most of them set themselves up for failure because, they start doing what they know to do and ignore the rest. These businesses begin operating according to the wants of the owner as opposed to the needs of the business.

It is this dangerous thought pattern that dooms their business before it even begins, and the reason is simply this:


  • The owner is so focused on doing what they’re an expert at, that they neglect working on what the business needs.
  • They have no vision for where the business is going or strategy for progress.

It is vitally important that you develop a compelling vision, values, purpose and mission for your business that gives you the clarity and fortitude to withstand the ups and downs that any business will inevitably have.

#2: Doing Business From An Employee’s Perspective

In the beginning, you can do whatever your business needs you to do. But, after some time, you find yourself doing not only the work you know how to do, but all of the difficult stuff you don’t know how to do as well. Then, ever so slowly, you realize there’s more work to do than you can possibly get done.

There’s nothing wrong with being an expert in your craft. There’s only something wrong with being an expert crafts-person who owns a business without changing this dangerous thought pattern! Because:


  • As an expert crafts-person turned business-owner, your focus is upside down. You see the world from the bottom up, from an employee’s perspective, rather than from the top down, from an entrepreneur’s perspective.
  • You were so used to working in somebody else’s business that, now, you’re working in your own.
  • But, while you’re working in your own business, there’s something more important that isn’t getting done. And it’s the strategic work, the implementation of systems that will lead your business forward, so you can live the dream you’ve envisioned.

If you want to have a viable business and not work yourself to death with this dangerous thought pattern, you must be able to make growth systematic and predictable. You need to think of a business as a series of systems that will lead to growth. Make money online

#3: Having a Tactical View Rather Than a Strategic View
When a business owner is focused on working in their business rather than on it, they become unclear of their priorities and try using every tactic they can get their hands on to bring in the income they desperately need. They impulsively try the latest trend or newest technique hoping it will work.

Well, in business, hope and guessing are not tactics. Having this dangerous thought pattern is not how you operate a successful business! You must have specific objectives or some way to measure whether that tactic is working or not.

You need to use a Vision-Based Framework to help you get the clarity, direction and focus your business needs to go forward. It helps you filter out distractions and use the right tactics that are in alignment with your business’s vision and strategic plan.

This is so important because, what your business is about is more important than what you’re selling.

As long as you have the dangerous thought pattern of viewing your business from a bottom up perspective, you are doomed.

Understanding the difference between what goes on in an expert crafts-person’s mind who owns a business, the mindset of an entrepreneur whose focus is on building and growing a successful business, and the 3 dangerous thought patterns that can destroy your business, is critical to discovering why most businesses don’t thrive and ensuring that yours does.

John White, Jr. is the Digital Marketing Director for White On White Enterprises that provides proven systems of success to correctly start and effectively operate a thriving business.

What Are Audio Turntables Or USB Turntables?

We live in a very dynamic world; a world that advances speedily in various fields. The area of technology is no doubt soaring higher today. With the invention of the internet, technology is really changing for the better. The music world is also being changed by the speedy developments in technology. Among the very latest inventions turning the world of music around are what we know today as “Audio turntables or USB turntables”. Basically, a turntable is also known as a “Phonograph deck” that usually comes without speakers or amplifiers. It’s quite different from a separate CD player, a tape player or a tuner. A turntable basically uses a needle or a stylus which is built in a cartridge or a magnetic housing to reproduce various sounds and read grooves on vinyl records.

By way of clear description, a turntable is usually flat and has its platform in the circular form. The record is usually placed on the platform. Historically, the very first turntable also known as phonograph was invented in 1877 by the great scientists known as Thomas Edison. This man made a record on a wonderful cylinder and then had it rotated against a special needle which moved up and down within the groove of the cylinder. This produced wonderful vibrations which were amplified through a conical horn. As time went on, another great inventor from Germany namely, Emile Berliner came up with yet another phonograph which had a flat disk and was much superior to the previous versions.

However, the invention of turntables continued to change with the rate of technological advancement. Today, we no longer have ordinary turntables; rather there are various audio turntables and USB turntables available. Many music producers and lovers are really enjoying their wonderful features and benefits. best record player under 500 dollars

Indeed, audio or USB turntables are actually becoming very popular these days in the music world. The modern turntables are really causing ripples in various online music establishments and also in most real time music studios. You need to enjoy the wonderful features and benefits that come with such instruments.

Really, you can discover more about music as you make use of audio turntables or USB turntables. The best of them in the market are those ones tailored for vinyl music. With a good audio turntable or USB turntable, you can easily combine digital and analog music together. From that, you can then create your own unique music.

Today, the special audio turntables available do come with the USB interface. With this, you can easily connect the audio turntable to your computer and then make the right conversion from analog music to the digital versions. Again, the best USB turntables available today have wonderful features such as adjustable interfaces, anti-skating control points, and high speed vinyl recording functionality and so on.

Really, the audio/USB turntables are really changing for the better. Today, you can even connect them to your home theatre stereo, Video CD or DVD, and so on. With such functionality, you can even use them to spin your records when you’re doing a special conversion from analog to digital music.


The Basics of Laptop Data Recovery

With the rise of a mobile lifestyle and telecommuting, laptops have proliferated and become almost as common as the home computer. In some instances the laptop has become the home computer. The reason for the popularity is the portability it affords the computer user. And with the ability to take the laptop anywhere, this leads to unexpected damage from the elements and to heavy wear and tear.

Because the laptop was designed for mobility, this makes it more prone to damage. Aside from the regular wear and tear from lugging around the computer, there are greater risks for accidents. Accidentally pouring coffee over the laptop, or dropping it, running the car over the case, or even sitting on the laptop can damage the unit. Physical damage to the laptop case can make it unbootable.

In most instances, the laptop is a secondary computer or is wired to an office LAN, it is prudent to regularly save data to a desktop or a server. In case of loss, a copy of important data is stored at the office or at home. Backup utilities take advantage of this connectivity and can schedule an automatic backup of files to the desktop computer or the office file server.

Frequently, laptops come with a recovery disk CD. The laptop recovery disk CD contains the compressed hard disk contents prior to the laptop use. In case the hard disk fails, or the user wants a full re-write, or re-install of the laptop, the laptop is booted up from the laptop recovery CD and a full reinstall is done. For a laptop data recovery, a full restore from existing backup can be done after the system has been re-installed.

The laptop recovery disk CD is not to be confused with the Windows recovery disk. This is also different from recovery disks from data recovery programs. The Windows recovery disk is used when trying to boot a computer with a corrupted hard disk, or a computer which fails to boot. It repairs the Windows system files. Recovery disks from backup and recovery software vendors allow the user to boot up the disk and do a laptop data recovery by restoring the hard disk data from a backup.

Some laptops have intelligent hard disks that help avert data loss. The Self-Monitoring Analysis and Reporting Technology (SMART) for hard disks informs the user of probability of a hard disk failure. A laptop with SMART hard disks would inform the user if a hard disk crash is inevitable. This gives the user enough time to back up important hard disk data. It also allows the user the luxury of going to a service center to diagnose the computer before the hard disk fails.

In case of accidental damage, there are laptop data recovery services, which the owner can avail of. These laptop data recovery services are full service repair bureaus which check the computer parts and not just the hard disk. The owner sends the unit to the service center for laptop data recovery, laptop checkup and diagnostics and repair. For laptop data recovery the hard disk is isolated and an image of the hard disk data is created prior to repairing it.

With these service bureaus the laptop data recovery can be done even if the hard disk is completely damaged or is not working. Laptop data recovery can be done for inaccessible drives or partitions, corrupted files or disks, virus attacks, overwrites, accidental file deletion, laptop hardware component failure, hard disk crashes, fire, flood and water damage, media contamination or damage, and accidental formatting or partitioning.


Horse Betting Tips – A Newbies Guide to Online Betting

If you are looking to make money from sports betting online, the explosion in online bookmakers available in the UK, and the popularity of betting exchanges, in particular Betfair, has meant that there has never been a better time to make regular, sustainable profits. If you are well prepared and disciplined, the following tips will help you make your sports betting pay:

1. Always obtain the best value

In exactly the same way as you would look for the best deal when buying goods, make sure you always look for the best available odds on any event you are betting on. Even a small overall percentage increase in the average odds you are able to bet at can be sufficient to make the difference between long term losses or profits. Wherever possible, always take advantage of the “best odds guaranteed” offers which are now commonplace on horse racing betting at many UK online sports books. Simply put, if the odds on the horse you have chosen increase before the race is run, the bookmaker will pay out any winning bets at the higher price. 메이저사이트

2. Less is more

One of the most common mistakes that will cause you to lose money when you are betting on sport, is placing too many bets. The serious sports gambler understands that there are many bets that are more favourable to the bookmaker, and avoids these, betting only when they feel the opportunity represents value. A classic example is the “each way steal”, a bet that puts the odds firmly in your favour, only occurs very occasionally, and is a bet that the bookmakers despise. There are many successful gamblers who base their betting portfolio around this one method which will statistically always produce a profit over the long-term.

3. Take a long Term View

In the same way that a days fluctuation in stock market prices is irrelevant in determining the overall profitability of a financial investment, a losing bet, day or week should always be kept in perspective. If you have done your homework, can prove the long-term profitability of a system, and stick to the rules, any losses should be viewed simply as an essential expense incurred in producing the eventual profits. This is especially important to avoid the mistake of chasing losses during the inevitable losing runs that occur in even the most successful systems.

The successful professional gambler will always approach their betting as a business, keep meticulous records and always take a long-term view of the accumulation of profits. The key will be in identifying the methods that will provide the profits, being disciplined in your approach, always obtaining the best value and sticking to the rules that are statistically proven to produce betting profits.


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คาสิโนออนไลน์หรือที่เรียกว่าคาสิโนเสมือนจริงหรือคาสิโนทางอินเทอร์เน็ตเป็นคาสิโนออนไลน์เวอร์ชันดั้งเดิม คาสิโนที่คุณไปเล่นแบล็คแจ็คหรือสล็อตแมชชีนอย่างหมดจด คาสิโนออนไลน์อนุญาตให้นักพนัน / ผู้เล่นเล่นและเสี่ยงโชคในเกมคาสิโนผ่านทางอินเทอร์เน็ต


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ในเกมคาสิโนฟรีไม่ว่าคุณจะชอบเดิมพันอะไรก็ตามคุณจะสามารถเลือกระหว่างไซต์ต่างๆและคาสิโนออนไลน์ได้โดยไม่ต้องดาวน์โหลดซอฟต์แวร์ใด ๆ บนคอมพิวเตอร์ของคุณ เกมจะแสดงในปลั๊กอินของเบราว์เซอร์ของคุณเช่น Macro media Flash, Macro media Shock wave หรือ Java ซึ่งจะอนุญาตให้คอมพิวเตอร์ของคุณแสดงเสียงภาพและเกมในคาสิโนเสมือนจริง


ผู้เล่นการพนันออนไลน์จะได้พบกับเกมมากมายในคาสิโนออนไลน์เช่นบาคาร่าแบล็คแจ็คแครปรูเล็ตสล็อตแมชชีนหรือวิดีโอโป๊กเกอร์ หากคุณเป็นผู้เล่นบิงโกออนไลน์ที่ทุ่มเทเว็บไซต์จำนวนมากเช่นจะให้ความตื่นเต้นแก่คุณที่คุณกำลังมองหาบางเว็บไซต์ที่เสนอให้ประสบความสำเร็จในการพักผ่อนหรือทัวร์ฟรีโดยคาสิโนเน็ตหากคุณทำการฝากเงินก่อนวันที่กำหนด


คาสิโนออนไลน์ยังเสนอให้สมาชิกใหม่ / ผู้เล่นสมัครโบนัสเมื่อพวกเขาสร้างเงินฝากครั้งแรกในคาสิโนรอยัล โดยปกติจะเท่ากับเปอร์เซ็นต์ของเงินฝากของผู้เล่นที่มีเงินสูงสุดเป็นดอลลาร์และคาสิโนออนไลน์ส่วนใหญ่ต้องการจำนวนเงินขั้นต่ำ ยูฟ่าเบท





เกมบาคาร่าเล่นด้วยไพ่ เป็นเกมการพนันคาสิโนออนไลน์ที่เปิดตัวครั้งแรกในประเทศฝรั่งเศสคาสิโนรอยัลจากอิตาลีในช่วงอำนาจอธิปไตยของ Charles VIII แห่งฝรั่งเศส ทางเลือกของเกมมีสามทางเลือก: baccarat chem ใน de fer (ทางรถไฟ), baccarat banque (หรือ deux tableaux) และ punto banco (หรือ baccarat ในอเมริกาเหนือ) บาคาร่าเป็นเกมง่ายๆที่มีเพียงสามผลลัพธ์คือผู้เล่นเจ้ามือและเสมอกัน สิ่งเหล่านี้เป็นเพียงตัวเลือกที่นักพนันสามารถเดิมพันได้




แบล็คแจ็คเป็นเกมไพ่คาสิโนที่ได้รับความนิยมมากที่สุดในโลกของคาสิโนเน็ต มีชื่อเสียงพอ ๆ กับยี่สิบเอ็ด (vingt-et-un) หรือ Pontoon มีต้นกำเนิดมาจากคาสิโนของฝรั่งเศสในช่วงทศวรรษที่ 1700 การรับรู้แบล็คแจ็คส่วนใหญ่รู้จักกันในการนับไพ่ (การติดตามว่าไพ่ใดเล่นตั้งแต่การสับเปลี่ยนครั้งสุดท้าย) มือแบล็คแจ็คจะทำได้ตามแต้มรวม มือที่มีแต้มรวมสูงสุดจะชนะตราบเท่าที่ไม่เกิน 21 (vingt-et-un)

The Future of Commercial Real Estate

Although serious supply-demand imbalances have continued to plague real estate markets into the 2000s in many areas, the mobility of capital in current sophisticated financial markets is encouraging to real estate developers. The loss of tax-shelter markets drained a significant amount of capital from real estate and, in the short run, had a devastating effect on segments of the industry. However, most experts agree that many of those driven from real estate development and the real estate finance business were unprepared and ill-suited as investors. In the long run, a return to real estate development that is grounded in the basics of economics, real demand, and real profits will benefit the industry.

Syndicated ownership of real estate was introduced in the early 2000s. Because many early investors were hurt by collapsed markets or by tax-law changes, the concept of syndication is currently being applied to more economically sound cash flow-return real estate. This return to sound economic practices will help ensure the continued growth of syndication. Real estate investment trusts (REITs), which suffered heavily in the real estate recession of the mid-1980s, have recently reappeared as an efficient vehicle for public ownership of real estate. REITs can own and operate real estate efficiently and raise equity for its purchase. The shares are more easily traded than are shares of other syndication partnerships. Thus, the REIT is likely to provide a good vehicle to satisfy the public’s desire to own real estate.

A final review of the factors that led to the problems of the 2000s is essential to understanding the opportunities that will arise in the 2000s. Real estate cycles are fundamental forces in the industry. The oversupply that exists in most product types tends to constrain development of new products, but it creates opportunities for the commercial banker.

The decade of the 2000s witnessed a boom cycle in real estate. The natural flow of the real estate cycle wherein demand exceeded supply prevailed during the 1980s and early 2000s. At that time office vacancy rates in most major markets were below 5 percent. Faced with real demand for office space and other types of income property, the development community simultaneously experienced an explosion of available capital. During the early years of the Reagan administration, deregulation of financial institutions increased the supply availability of funds, and thrifts added their funds to an already growing cadre of lenders. At the same time, the Economic Recovery and Tax Act of 1981 (ERTA) gave investors increased tax “write-off” through accelerated depreciation, reduced capital gains taxes to 20 percent, and allowed other income to be sheltered with real estate “losses.” In short, more equity and debt funding was available for real estate investment than ever before. Calgary real estate

Even after tax reform eliminated many tax incentives in 1986 and the subsequent loss of some equity funds for real estate, two factors maintained real estate development. The trend in the 2000s was toward the development of the significant, or “trophy,” real estate projects. Office buildings in excess of one million square feet and hotels costing hundreds of millions of dollars became popular. Conceived and begun before the passage of tax reform, these huge projects were completed in the late 1990s. The second factor was the continued availability of funding for construction and development. Even with the debacle in Texas, lenders in New England continued to fund new projects. After the collapse in New England and the continued downward spiral in Texas, lenders in the mid-Atlantic region continued to lend for new construction. After regulation allowed out-of-state banking consolidations, the mergers and acquisitions of commercial banks created pressure in targeted regions. These growth surges contributed to the continuation of large-scale commercial mortgage lenders [http://www.cemlending.com] going beyond the time when an examination of the real estate cycle would have suggested a slowdown. The capital explosion of the 2000s for real estate is a capital implosion for the 2000s. The thrift industry no longer has funds available for commercial real estate. The major life insurance company lenders are struggling with mounting real estate. In related losses, while most commercial banks attempt to reduce their real estate exposure after two years of building loss reserves and taking write-downs and charge-offs. Therefore the excessive allocation of debt available in the 2000s is unlikely to create oversupply in the 2000s