Best Online Shopping For Makeup Products

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Best online shopping for makeup products

by

Aalia Bindal

Nowadays, you don\’t need to wait for salesperson to get free and assist you in your beauty products shopping. Instead, you can go online and start your shopping without any assistance of salesperson. There are scores of stores on the internet that offer high quality beauty products and you can choose to shop from any store. When shopping online, you also don\’t need to leave the comfort of your home or bear the traffic to visit shopping complex. If you\’re a busy women or if you simply prefer not to waste time by visiting different stores to find a particular product, online shopping is a perfect option for you that will give you the ease and convenience you want to find the particular product that you are looking for.

However, before you start shopping online, you need to know the products that you require. It is the hassle free and fun way to buy almost any beauty product, be it lip gloss, eyelash curler or any other product. You will be easily be easily able to find a specific product of specific brand on the internet because of availability of various brands on the internet. After deciding the product you require, you need to find out the best online shopping store to pursue your shopping.

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As told earlier, there are numerous stores on the internet that offer beauty products and one such being is Majorbrands. It is one of the

best online shopping

stores that carries an amazing collection of beauty products from reputed Inglot brand. Inglot is one of the leading brands of cosmetics that is offering cosmetics from long time. This brand is known to offer high quality products that will not only help you maintain your skin, but also to make you look more pretty. Here you will get the opportunity to lay hands on range of products that includes lip gloss, lipstick, lip paint,

Eyelash Curler

, eyeliner, brow, eye shadow, mascara, oil blotting sheets, AMC face and body bronzer, blush, body sparkles, AMC face and body illuminator, concealer, base and much more.

In addition to cosmetics, the website houses various other products that includes apparels, footwear, lingerie, lounge wear, deodorants, perfumes, handbags, watches, fashion accessories and sunglasses. The store houses these wide range of products from some of the best brands like Mango, bebe, Giordano, Ferrari, Nine West, La Senza, David Beckham, Queue Up, Qup Accessories and more.

Aalia bindal is a famous writer for online shopping. She has written many articles on

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Advice On Repairing A Poor Credit History

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Advice On Repairing A Poor Credit History

by

Ritalavada Frankienxvz

Debt collectors can be like sharks. If a debt collection agency is harassing you, writing a cease and desist letter can stop the harassment. You may be able to stop the deluge of calls from a collection agency, but the debt must still be dealt with.

In order to fix your credit, create a plan to begin eliminating your debt. Your credit score is damaged by large amounts of existing debt along with a history of late payments. Make a budget that is easy to stick to and apply any extra money to paying off debt. Your credit score will rise significantly if you can make yourself debt-free.

Research debt consolidation as a possible solution to managing your debt more effectively. Consolidation could be your best shot for trying to reduce debt, therefore fixing your credit quicker. Consolidating your debts into one account can help you because you will only have one payment to deal with each month. When considering debt consolidation you will need to ensure that you can afford the payment amount.

Go through your credit report to make sure everything is right. Mistakes or errors in your file can cause issues for your credit. You can dispute an error and get it removed, but it may take time.

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Debt consolidation may be an effective way to better your credit if you\’re struggling with repairing it. If you can, concentrate your debts into a single payment. It\’s more likely you\’ll pay on time, which will look

best loans with bad credit

good on your credit.

In order to improve your credit, you should be sure to make your credit card payments on time, every month. Your credit report can be tarnished even by a few late payments. Consistently making at least your minimum payment shows that you take your financial responsibility seriously.

Credit counseling can be a wonderful asset to repairing your credit. They educate you on how to eliminate all your debts, while continuing with your daily life. However, you will need to make monthly payments to creditors, and stop using credit cards.

It\’s important to look at your credit report at least once a year. Look for any large balances, as well as missed payments and be sure to rectify those first. Check for any errors or omissions, and see what you can do to fix any mistakes in the report. Start by paying off debt with the highest interest rates first, and maintain the minimum payments on other accounts.

Paying off what is due on your unpaid bills is a good way to repair your credit. Also, credit counseling can be a major help.

You may feel some pressure to go with a payment plan or send in big payments that you cannot afford when trying to fix your credit. Understand what your budget is, and don\’t go over this. Even if some arrangements might give you temporary relief from harassing creditors, not being able to fulfill your commitments will ruin your credit report even more.

Try keeping the balance of your credit cards as low as possible. You can still hurt your credit score by keeping the balance on your card only slightly less than your limit, even if you always pay on time.

Have different types of credit if you want to fix your credit. Each different kind of account will have a positive impact on your overall credit score. If you have a lot of credit lines and pay on them it will help your credit score.

You should know of any inquiries about your credit score. Anytime someone looks at your credit score, that inquiry is noted.

An excellent method of improving your credit is to open new credit accounts, and make sure to make your payments on time every time. It increases the number of \”paid as agreed\” tradelines on your credit report and shows companies that you are turning things around.

If your credit rating is not good, you may want to think about contacting your banks and asking to have your credit limit reduced. That said, this is only an option if you can maintain low balances. Don\’t lower the limit so much that it puts your current balance right against the cap, though.

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Baby Gifts For Both Parents And Baby

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Submitted by: Janet R.

The birth of a child is one of the most happy moments for the whole family. It is a time for everyone to gather again and share a joyous blessing that the newborn child brings. While the happy parents are still in the wonder of of their precious little one, the rest of the family and friends are busy acknowledging themselves because of that progression. Therefore, it is only right for them to give adorable baby gifts to welcome the newborn child.

Shopping for baby gifts is both exciting and challenging. Don’t be surprised to if you will be selecting one precious gift from an endless line of choices. Today, where almost everything can be purchased online, finding the one perfect gift for a baby can be very tricky. Gifts for little ones come in so many variety and if the givers lives in and around the same gift store, chances are the new parents will be receiving similar gifts, which is not good as they have to be brought back and get replaced.

With so many choices available both online and local gift stores, you might get confused when choosing adorable items to give. Fortunately, there are some tips to help ease the process of shopping the best baby gifts. Here are some great ideas you may consider to choose from.

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You may consider an all-in-one baby set consisting of different useful baby supplies to help the new parents during the first few months of their child. Considering this idea makes a wonderful baby gift for both the parents and child. Collect different useful infant items such as burp cloths, bibs, baby bathing supplies, diaper creams, diapers. Booties, hats and feeding bottles. After you are through collecting such items, you can put them together in one big box or basket and present it as a present to the happy family. Presenting such gifts will surely delight the happy parents because they were given a variety of useful things that will help them while raising their little bundle of joy.

A baby outfit set is another great alternative you may consider. But first, you need to find out if it’s a boy or girl, especially if you will give it during a baby shower and the sex of the child is still unknown. If you decided to go with outfits gift set, choose organic items yet stylish. Also, make sure that you are choosing larger outfits so that they will not easily outgrow. Perhaps, choosing baby clothing is one of the exciting and adorable shopping time for a giver. A baby outfit set may consist of bath robe, summer dress, night suit, pajamas, and many other.

Also, a crib bedding set is a great option to give to the happy family. Crib bedding set come in different styles, colors, designs and themes. Included in a crib bedding set are tiny baby blankets, pillows and pillow covers. You can find crib bedding sets that can be personalized with baby name, initial or a personal message, which can make a special present for babies.

There are so many personalized baby gifts available everywhere, from newborn outfits, blankets, toys, nursery furniture to etc. You may also consider personalized baby diaper bags and other travel gear if parents love to travel with a baby on tow. Present newborn gift set to the new family to let them feel they are being loved and remembered.

About the Author: Jnet is an author for a variety of lifestyle issues and topics including weddings. If you’re looking for

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Clothing Boutiques In Nyc Some Information

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Clothing Boutiques In NYC Some Information

by

rederikkade

Generally, women wish to purchase different types of clothes and normally ladies in New York City, who wish to dress themselves in style, has a number of fantastic clothing boutiques in NYC. Nowadays, with the increasing habit of online shopping among people, there are some of the best online stores dealing with different types of accessories for women. In addition to clothes, these stores have a wide collection of accessories like jewelry, hosiery, sunglasses, intimates, belts, bags, hats & gloves, hair accessories, scarves and even footwear of different models like boots, sandals, flats, wedges and heels are offered by these online stores.

When it comes to clothes offered in these online stores specially meant for women, there are day and evening dresses, bottoms, outerwears, rompers and jumpsuits and swimwear as well. So, women who wish to make their style statement with their attires can visit a reliable online store in New York City and can get the items delivered to their homes. Above all as there are lookbooks in these websites, women can get to know about the current trend in attires and therefore they can make their selection according to the current trend prevailing among women belonging to different parts of the world.

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The items sold in these online stores are generally constructed with detailed focus towards even smaller things to make their customers happy. As footwear is offered in different sizes, selection can be made by women by selecting their appropriate size with the drop down menu of sizes available in these online stores. Irrespective of whether, your foot size is 4 or 12, you can make your selection without any hassle and can get the items delivered to your home as well.

Many women living at NYC would be well-aware of the land boutiques in NYC, but only few of them might be aware of online boutiques. Here, a reliable online store should be selected for making a safe purchase irrespective of whether the purchase pertains to clothes, shoes or any other accessories for that matter. Some of these online stores are also ensuring free shipping to purchasers, who are placing their orders for more than $125 dollars and by providing their clear address to these stores, purchasers can get the delivery of items without any hassle. These online stores also frequently update their collection with different attires and accessories under the category of new arrivals and so women can frequently visit these stores for adding latest collection of attires and accessories to their wardrobe.

This content has been taken form http://www.goodinfohome.com/Art/980364/134/Clothing-Boutiques-In-NYC-ndash-Some-Information.html

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How To Boost Your Affiliate Sales With Press Releases

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Submitted by: Angie Dixon

The best way to boost your affiliate sales is to create something original and let people know about it–break out of the “me, too” crowd and do something different.

There is a common misconception among affiliates that they are “stuck” with the marketing materials the product owners provide, and unable to do anything of their own.

This is, by and large, not true. If you’re not sure, ask. Most affiliate managers will okay outside materials if they can see them first.

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Your first step is to create a free report. This sounds like a monumental task, but my own free report, “Ahead of the Pack,” available at my web site, shows you how easy it is.

The easiest way to write a report is to compile a list of 5 or 7 tips, and write a few sentences on each one. If I were an affiliate for a book on resumes, I might write “5 Tips for a better resume.” Then I’d use the report to lead to my web site selling the resume book.

The next step is to set up a way to capture email addresses–either by offering the report as an autoresponder series or by requiring signup to your newsletter to download the report. Tips reports work very well as autoresponder series, and you can follow up periodically.

Finally, let people know about your report using a press release. My free report “Power Press Releases” makes this super simple.

Basically, you need to write Who (the person who benefits, not you), what (the free report), when (available now), where (at your web site), why (why this report is available) and how (how it provides the benefit).

I realize time is scarce, and people who don’t write for a living often think it’s much harder than I do. But I can almost guarantee that if you sit down and write a quick report and publicize it with a release distributed by the top free distribution services, you will make more affiliate sales and it will more than make up for the time you invest.

About the Author: Angie Dixon is a professional press release writer. Get a copy of her free report, “Articles: A Dead Marketing Tool?” at

xpressreleases.com

.

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Cheap Spy Cams Evident Surveillance With The Help Of The Dome Camera

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By Fred Romano

I am a builder by profession and I have a vast location where I have employed numerous employees at work to finish up the construction site very perfectly. When I am in this profession then I have to be cautious always and I even have to keep a vigilant eye on all the employees and see that everything is going on perfectly alright. Even a small mistake and I could face trouble where I have to be answerable to the administration from whom I had taken the permission of taking up the construction of the site. Initially I did not feel the need of any equipment which could help me to survey the actions of the employees who were working in and around the site because even my wife would accompany me in my work and she would tackle one portion under her guidance and I would take care of the other portion. Then fortunately my wife had to take a maternity leave and even I at times could not attend the site everyday because I even had the responsibility to look after my wife. As it happens that usually one person cannot be everywhere at all the places, it is quite true. Once I started giving time to my wife, I found that something was going wrong in my construction site because there were still a few sincere employees who were my well wishers and they complained me against some other employees. I really wanted the way out where I could put an end to all the problems and then I decided that I will install a hidden camera which could help me to entrap the real culprits.

I bought a Dome camera which was very helpful and loaded with attractive and beneficial advantages. Where there are many other replica cameras available in the market but this is the genuine camera which no one can compete with it. The trouble makers will have the influence that the location is being automatically surveyed and that will divert their mind whereas they will never come to know that actually in which trend it is working through. Where sometimes more than 2 or 4 cameras are needed for surveillance in bigger locations, but this is the accurate camera which can cover the intact area solely with perfection. As this is also weatherproof equipment so I need had had to worry about the site and then every thing was being captured progressively. 2AA batteries are essential for the LED light to operate.

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After the installation of the Dome Camera I was a little tension free and now could concentrate and give time to my wife who was ready to give a good news ay time. After a few day I was happy that my wife gave birth to a sweet little baby girl and now I even happier that now I could totally concentrate on my work towards the construction site. After I saw all the proceedings which were recorded in the Dome Camera I came to know about the main reason of the trouble which was taking place in the construction site and immediately took action against the culprits and fired them out of the work.

About the Author: Fred is an expert in the field. If you need

calculator wireless camera

or any other

cheap spy cams

Please visit:http://www.my-spycam.com/

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Groove With Education In West Delhi Schools

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Groove With Education In West Delhi Schools

by

Niti Sharma

West Delhi is popularly considered as one of the most posh areas of Delhi city. Delhi being the capital of India is supposed to be developed from each and every angle, which it is. Education, which is the most significant matter of everyone s life, West Delhi is with all its effort working on it and now we can find this area of Delhi is quite proud of its achievements. People s demand is now on hike and their expectations are kissing skies.

People are stipulating for more quality schools, which can be capable of making the blooming groups of the society capable or eligible for upcoming storms to their life, which they are supposed to overcome and get themselves established in this competent world. This earth is getting warmer day by day because global warming, and how this global warming is getting happened; e.g. rising pollution, rising traffic volume, then deforestation then burning plastics. These are some facts, which cause global warming, and if people are not well literate in all fields then it is not possible to make changes. And what is the case with big cities; all the people are very well knowledgeable regarding all these facts and others also that is why there are something called small town and big cities. And most importantly government, government must be conscious and hones towards the citizens and their welfare. Else, small towns will remain small towns forever and poor sections of the country will be much poorer, if exploitation by the government never is stopped.

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Schools are the first and foremost places for everyone to give successful start to the voyage of gaining knowledge and achieving right objectives of life. So, to fulfill this mission South Delhi has gifted all the children of the society with Nursery schools, Play schools and many other schools too which have got many facilities along with quality academic facilities.

Education, as earlier told that the only way to bring success in anyone s feet and which the most reliable comrade of people is and which never deceive anyone. But one thing is also important that; education is very much delicate issue to handle. If it is taken for granted then one may be misled and having all the wrong conceptions of everything will lead life like hell. That is why; it is told that teachers have got the toughest responsibility or duty to do as the whole country relies on teachers or educators of educational centers hoping that they are making a brighter future for this nation. Students are getting educated in West Delhi based schools are found very much more talented than others are though other schools also have much more talented students. The main meaning behind this topic is that students are getting examined in all level and in all stage and they are gradually becoming tough competitor to each other.

This article has been written by a school guide of OnlineSchoolAdmissions.Com – a portal that provides free of cost consultancy to parents and schools for fast and easy online school admissions. Parents can locate

West Delhi Nursery schools

or

Play schools in West Delhi

from the authentic list of schools and can apply to the schools of their choice online.

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What To Do If You’ve Been In A Car Accident

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By Brad Stroh

Chances are you’ll be involved in at least one car accident in your lifetime. Traffic accidents occur daily and range in severity. But regardless of how severe your traffic accident may be, there are a few steps everyone needs to follow in the aftermath of a car accident.

Car Accident Fundamentals

If you get into a car accident you need to:

1) Stop: Immediately after you get into an accident, stop. If you caused the accident, don’t run. Take responsibility and acknowledge your error. Causing an accident and fleeing from the scene is a crime. If you’re the one who’s been hit, it’s important that you also stop. If the individual who hit you reports that you ran from the accident scene, you can also get in serious trouble. So, regardless of if you caused the accident or are the victim in an accident, stop and don’t leave the accident scene.

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2) Check for Injuries: Immediately after the accident, check yourself, your passengers, and the individual(s) in the other vehicle for injuries. If there are injuries that need medical attention, call 911. Before you even look at the damage done to your car, check everyone involved for injuries.

3) Call the Police (if necessary): If the accident is serious, or it’s a hit-and-run situation, the authorities need to be notified. Most insurance companies require you to call the authorities in a hit-and-run situation if you want your damage to be covered. Serious accidents sometimes require police involvement if the accident is backing up traffic or if debris is blocking the street. Minor fender benders, on the other hand, don’t necessarily require police involvement.

4) Exchange Information: Regardless of if you’re at fault or not, or the severity of the accident, you need to exchange information with the other party involved. You need to provide your name, phone number, address, license plate number, and your driver’s license number. You also need to obtain this information from all individuals involved in the accident. Your car insurance company will need this information to resolve the incident.

5) Document Damage: If you have a camera on hand, take pictures of the damage. If you don’t, write down details about the damage. Document what damage was done to your vehicle and the other vehicle(s) involved. Have all parties involved in the accident sign the paper as proof that they agree on the damages done to each vehicle. If you hit a parked car and the owner can’t be identified or found, leave a note with the appropriate information. If you don’t, it can be considered a hit and run.

6) Contact Your Insurance Company (and possibly the DMV): Immediately after the accident, contact your insurance provider about the accident and provide all details regarding it. Also, if anyone was injured in the accident or the damage to the vehicle is $750 or higher, you need to report the incident to the DMV. If you don’t, your license could be suspended.

Car accidents are not fun. If you ever find yourself involved in one, remember these steps. They will help you resolve the incident without the possibility of future repercussions or involvement of law enforcement.

About the Author: Brad Stroh is currently co-CEO of Freedom Financial Network and

Bills.com

. If you would like more of Brad’s

articles

, please visit the Bills.com information on

Insurance

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Talk:Oakland renters displaced by Hope VI program

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Theres nothing to clean up, since the accuracy of this story is not in dispute. [[I feel honored to be able to speak freely about the corruption taking place in Oakland's housing programs that target the poor for dislocation. Sincerely, Lynda Carson -- Oakland, CA. 510/763-1085 —The preceding unsigned comment was added by 66.52.186.122 (talk • contribs) 08:23, 28 October 2006 moved from article to talk page by Doldrums

LyndaCarson, Thanks for contributing this well written and well sourced article to Wikinews. Wikinews welcomes contributions original reporting such as these. The article needs a little more work before publishing though, since some of it does not adhere to the Wikinews:Neutral point of view.

Wikinews articles are written to conform to NPOV in order to ensure that our coverage of an event is fair and unbiased. We do this by only reporting facts, leaving out all editorial opinion, and representing all views over an issue, attributing each and giving each view the depth of coverage deserved by its relative notability. a (much better written) introduction to NPOV can be found here, including an explanation of why NPOV is useful.

I and other contributors will be happy to help make the necessary changes to this article, in fact, the "cleanup tag" added to the article is the first step in doing this. It is meant to be constructive criticism helping to improve the article.

Also, i see that u've published this article on Indymedia, but without releasing it to the public domain or under a Creative commons (CC) license. This means that the article can only be reproduced by other non-commercial publications. Now, even though Wikinews is a non-commercial website, it releases its articles with a CC license, allowing commercial use. So you will have to either post a "released under Creative Commons Attribution 2.5" notice on the Indymedia article page, or e-mail such a permission to a Wikinews administrator in order for Wikinews to host this article.

welcome and thanks again for writing for wikinews. i look forward to more such articles from you. reg,  — Doldrums(talk) 04:32, 28 October 2006 (UTC)

I tried to make this article more NPOV by removing some loaded words ("gentrification project", etc.) Not sure if this is enough to undispute it.--DCo1 06:06, 1 November 2006 (UTC)

This does appear to be a copyright violation... Someone from Indymedia will need to verify the copyright status of this article. I've not tagged it as a copyvio, yet, as it may be that it existed here first. It could be dual licensed, etc. but the Indymedia site doesn't indicate that the copyright is held by the author (it looks like Indymedia has the rights to the story). --Chiacomo (talk) 06:03, 28 October 2006 (UTC)

Sources: Oakland renters displaced by Hope VI program

[EBALDC and Related Companies, LLC., created Creekside Housing Partners, L.P., to take control of Oakland's public housing property in East Oakland at the Coliseum Gardens site, now known as Lion Creek Crossings. Chambers Construction will develop the homeownership portion at Lion Creek Crossings with EBALDC and The Related Company jointly responsible for the apartments.]

—Lion Creek Crossing (Coliseum Garden) Now Renting—

The Oakland Housing Authority received a HOPE VI grant to replace its 178 notorious Coliseum Garden apartments with a mixed income development of over 350 apartments and approximately 28 homes for sale. EBALDC assembled a development team, which includes The Related Company of California and Chambers Construction to work with the housing authority. Chambers Construction will develop the homeownership portion with EBALDC and The Related Company jointly responsible for the apartments. The development will surround a revitalized 5 acre City Park and Lion creek, which will also be restored by the city. The first phase of this development includes 115 apartments and 7,500 square feet of space for community services.

This phase is under construction with a second phase of 146 apartments and another 7,500 square feet scheduled to start late in 2005. Community services anticipated include a Head Start Child Care Center, youth and after school programs, health programs, career counseling and business development opportunities. A third phase is being planned with over a hundred family apartments and townhouses that will overlook the restored Lion creek and city park.

These brand new Lion Creek Crossing apartments are ready for occupants. Contact EBALDC today at (510) 287-5353 for details….

^^^^^^^^^^^^^ [CHAMBERS CONSTRUCTION] http://www.chambersconstruction.com/ Carolyn Silva. Chambers, owner of Chambers Construction CHAIRMAN & C.E.O. CHAMBERS COMMUNICATIONS Home-86220 DERY Rd or 86054 DERY Rd. PLEASANT HILL, OREGON 97455 (541) 746-1510 — (541) 988-5732 (Born September of 1931) Political Donations (2004) to George W. Bush $2,000 — $500 contributed to the RNC

Carolyn Silva. Chambers’ business empire includes real estate, a construction company, a vineyard, and the crown jewel, Chambers Communications Corp.

Local — Chambers Construction Co (510) 569-3081 7506 Macarthur Blvd Oakland, CA.

^^^^^^^^^^^^^ Search Results for Lion Creek Crossing from Related website:

Lion Creek Crossing Location: 800 69th Street Oakland, CA 94612 Property Type: Affordable Rental Multifamily Rentals Neighborhood Revitalization Organizations: Related California

—EBALDC Partnership With Related Companies—

EBALDC — East Bay Asian Local Development Corporation

(Lynette Jung Lee is the Director of EBALDC)

[1]

^^^^^^^^^^^^^^^^ [Related Companies]

Related Corporate Structure

Stephen M. Ross is head/CEO of Related Companies…

STEPHEN M ROSS (Born in May of 1940) (Home) 956 5TH AVE NEW YORK, NY 10021 (212) 772-1196 or (212) 772-7659

—Stephen M. Ross resides at 956 Fifth Avenue, in New York— Home of Stephen M. Ross at 956 Fifth Avenue. This finely detailed building has an unusual and … by in 1920 the Real Estate Board of New York, the City Club and the Fifth … _______________ Related of California

RELATED EXECUTIVE OFFICERS Stephen M. Ross

Jeff T. Blau Michael J. Brenner David J. Wine

About Stephen M. Ross / CharterMac

Board of Trustees Stephen M. Ross Chairman

Stephen M. Ross is non-executive Chairman of the Board of Trustees of CharterMac. Mr. Ross is the founder, Chairman, Chief Executive Officer and Managing General Partner of The Related Companies, L.P. (“TRCLP”). Mr. Ross began his career working for the accounting firm of Coopers & Lybrand in Detroit as a tax attorney. Later, he moved to New York, where he worked for two large Wall Street investment banking firms in their real estate and corporate finance departments before founding TRCLP in 1972. Mr. Ross graduated from The University of Michigan School of Business with a Bachelor’s degree in Business Administration and from Wayne State School of Law with a Juris Doctor degree. He then received a Master of Law degree in Taxation from the New York University School of Law. Mr. Ross endowed the “Stephen M. Ross School of Business” at The University of Michigan. Mr. Ross is a member of the Executive Committee of the Board of Directors of the Real Estate Board of New York and is a trustee of the National Building Museum. Mr. Ross also serves on the Board of Directors of Kerzner International Ltd. (NYSE: KZL), Equinox Holdings, Inc. (an affiliate of TRCLP), the Juvenile Diabetes Research Foundation, the Jackie Robinson Foundation and the Guggenheim Museum.

Wednesday, May 17, 2006

Lion Creek Crossings Open House of Phase 1 and Groundbreaking of Phase 2 Lion Creek Crossings will create a new community in the blighted and neglected Central East Oakland district and will be the catalyst for revitalizing the entire Coliseum BART station into a Transit Village. This HOPE VI development will provide up to 437 units over four phases of permanent affordable rental housing and 28 for-sale units for first time homebuyers. This is a joint venture between EBALDC, Related Companies of California and the Oakland Housing Authority.

Location: 915 69th Avenue, Oakland Ca, 94621 Time: 11:00 AM – 1:00 PM Sponsored by: Sponsored by East Bay Asian Local Development Corporation (EBALDC) For more information: Joyceland 510.287.5353 / jfarrow@ebaldc.com

—Stephen M. Ross Gives Away $100,000 Million Dollars— University of Michigan — (Stephen M. Ross gives away $100,000 million) New York City real estate developer Stephen M. Ross gives $100 million to University … chairman and chief executive officer of The Related Companies, LP, …

[Oakland Budget Summary for 2006 - Oakland Redevelopment Agency] Personnel Services and Related Overhead Costs – FY 2006-07 . … Lions Creek Crossings (Coliseum Gardens) Phase I. $1,500,000. Lions Creek Crossings (Coliseum …

Page 1) Executive Off Oakland Housing Authority MEMORANDUM

To: Board of Commissioners From: Jon Gresley, Executive Director

Subject: Resolution Approving Use of Additional Local Funds for Park Construction at the Lion Creek Crossings HOPE VI Primary Site and Amending the Predevelopment Services Agreement to Effect the Change

Date: September 19, 2006

This correspondence transmits for your consideration and approval a resolution authorizing the use of $287,593 in Authority Local Funds for construction of the preliminary phase replacement park at Lion Creek Crossings. This proposed additional allocation of funds to the park is part of the $7 million previously approved by the Board for use in the Lion Creek Crossings redevelopment.

Background: The Authority was awarded a HOPE VI grant in the amount of $34.5 million in 2000 to revitalize the 178-unit Coliseum Gardens public housing development. The Board approved the selection of East Bay Asian Local Development Corporation (EBALDC), The Related Companies of California (Related) and Chambers Construction Company (Chambers) as co-developer partners for redevelopment of the original public housing site and several adjacent or nearby properties (the “Primary Site”), now renamed Lion Creek Crossings. EBALDC and Related are co-developing the rental portion of the Primary Site, which will include 157 units of public housing. The total number of rental units, including public housing, now planned is approximately 440. Twenty-eight (28) units of for-sale housing are planned to be developed by Chambers. The construction of new streets and utilities and the reconfiguration of a public park are planned as part of the rental housing development.

The remaining 21 units of public housing are included in a recently constructed 65-unit development on Foothill Boulevard in Oakland.

In addition to the rental housing, the project includes the reconfiguration of Coliseum Gardens Park and the restoration of a portion of Lion Creek. The City of Oakland is managing the restoration of a portion of the creek that runs through the park. A grant from the California Pollution Control Finance Authority and the City of Oakland is providing funds for park planning. Pacific Gas and Electric Company has awarded $175,000 for park construction. The California Housing and Community Development Department has awarded the City of Oakland approximately $500,000 which is planned to be used for park construction. Our developer partners and staff are searching for additional sources of funding for park construction.

Page 2- In a Land Exchange Agreement that was executed between the Authority and the City, the Authority agreed to construct a temporary replacement park during the period when the existing park is taken out of service. The Developer has received an estimate of $388,735 from its general contractor for the cost of constructing a temporary replacement park. The Developer plans to start construction on Phase III of the rental housing on the site of the existing City park in October, and the temporary park is required to be in place prior to the start of construction on this phase. The grant funds described previously are not yet available, but will be in the future.

All park facilities related to the development are to be constructed by the Developer under the terms of an Amended and Restated Predevelopment Services Agreement (PSA). The current PSA includes a provision for the use of $101,142 in Authority Local Funds for park construction. The proposed resolution would authorize the use of an additional $287,593 in Authority Local Funds for the immediate construction of the preliminary phase replacement park, for a total of $388,735.

It is expected that the Authority will be reimbursed for the use of this additional allocation of its Local Funds as the above-described grant funds become available. If that occurs, the Local Funds will be available for reallocation within the project.

Proposed Action:

It is recommended that the Board of Commissioners adopt the attached resolution approving the use of an additional $288,593 in Authority Local Funds for construction of the preliminary phase replacement park at Lion Creek Crossings, and authorizing the Executive Director to amend the Predevelopment Services Agreement to incorporate this change, and to take all actions necessary to implement the resolution. Attachment: Resolution

(7/24/06)

THE BOARD OF COMMISSIONERS OF THE HOUSING AUTHORITY OF THE CITY OF OAKLAND, CALIFORNIA

On Motion of Commissioner Seconded by Commissioner and approved by the following vote:

AYES: Commissioners NAYS: ABSTAIN: ABSENT:

THE FOLLOWING RESOLUTION WAS ADOPTED: NUMBER RESOLUTION APPROVING A CONDITIONAL COMMITMENT FOR AN INCREASE IN THE HOPE VI FUNDS CONSTRUCTION AND PERMANENT LOAN FOR THE COLISEUM GARDENS HOPE VI DEVELOPMENT PROJECT KNOWN AS LION CREEK CROSSINGS, PHASE III BETWEEN OAKLAND HOUSING AUTHORITY AS LENDER AND CREEKSIDE HOUSING PARTNERS, L.P. AS BORROWER

WHEREAS, the Oakland Housing Authority (Authority) previously executed a grant agreement with the U.S. Department of Housing and Urban Development (HUD) pursuant to its grant of HOPE VI funds for a revitalization plan that proposed the demolition and redevelopment of Coliseum Gardens and nearby properties, (collectively the “Primary Site”); and

WHEREAS, the Board of Commissioners approved the selection of East Bay Asian Local Development Corporation (EBALDC), The Related Companies of California (Related), and Chambers General Construction (Chambers) as co-developers of the Primary Site at its meeting on October 21, 2002; and

WHEREAS, the Authority owns the land on which the Coliseum Gardens revitalization development known as Lion Creek Crossings will be constructed, and the Authority leases the land to the partnership formed with EBALDC and Related for each phase of the development, which is known as Lion Creek Crossings;

WHEREAS, EBALDC and Related (the “Developer”) have joint responsibility for the development of the family rental housing at the Coliseum Gardens site and formed a limited partnership known as Creekside Housing Partners, L.P. (CHP) for the development of Lion Creek Crossings, Phase III, which consists of one hundred six units of public and affordable family housing; and

Page 2) WHEREAS, the Board of Commissioners passed Resolution 3685 authorizing the execution of the Phase III Disposition and Development Agreement which included a HOPE VI loan to CHP in the amount of $5,194,638; and

WHEREAS, the Board of Commission subsequently passed Resolution 3766 approving closing evidentiaries including HOPE VI loan documents with a lesser loan to CHP in the amount of $3,350,000; and

WHEREAS; CHP’s financing structure for Phase III included a loan from CalHFA based on increased rental income from Project-Based Section 8 funds available through the Authority; and

WHEREAS, the City of Oakland approved a loan amount of $4,600,000 for Phase III of which $600,000 was intended to offset a HUD rule change decreasing the value of rents available under the Project-Based Section 8 program; and

WHEREAS, as an MTW participant, the Authority has approved the use of market rents in its Project-Based Section 8 program, which reduced CHP’s documented need for $600,000 in City funds; and

WHEREAS, the City may then reduce its loan commitment to CHP by $600,000 as a result of the Authority’s approval of market rents for Phase III; and

WHEREAS, bids for construction of Phase III are anticipated to be higher than originally budgeted, creating a funding gap of $600,000.

NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COMMISSIONERS OF THE HOUSING AUTHORITY OF THE CITY OF OAKLAND, CALIFORNIA:

THAT, the Authority will provide an increased construction and permanent loan of HOPE VI funds in the amount of up to $600,000 increasing its previous commitment of $3,350,000 to $3,950,000 contingent on the City of Oakland reducing its loan commitment for Phase III by $600,000, and if the construction bids are such that the funds are needed by CHP as determined by the Authority; and

THAT, the Executive Director is authorized to take all actions and execute such other documents as may be necessary and appropriate to implement the foregoing resolution.

Page 3) I certify that the foregoing resolution is a full, true and correct copy of a resolution passed by the Commissioners of the Housing Authority of the City of Oakland, California on July __, 2006. _____________________________________ Secretary / Executive Director ADOPTED: RESOLUTION NO.

09/13/06

THE BOARD OF COMMISSIONERS OF THE HOUSING AUTHORITY OF THE CITY OF OAKLAND, CALIFORNIA

On Motion of Commissioner Seconded by Commissioner And approved by the following vote: AYES: NAYS ABSTAIN: EXCUSED: ABSENT:

THE FOLLOWING RESOLUTION WAS ADOPTED: NUMBER:

AUTHORIZING THE EXECUTIVE DIRECTOR TO EXECUTE A PERFORMANCE-BASED SUB-GRANT AGREEMENT, NOT TO EXCEED $ 218,750 (TWO HUNDRED EIGHTEEN THOUSAND, SEVEN HUNDRED FIFTY DOLLARS) FOR ONE YEAR, WITH THE EAST BAY ASIAN LOCAL DEVELOPMENT CORPORATION (EBALDC) TO PROVIDE HOPE VI COMMUNITY AND SUPPORTIVE SERVICES FOR FAMILIES RESIDING AT LION CREEK CROSSINGS AND FOOTHILL PLAZA.

WHEREAS, the Authority received HOPE IV revitalization grants for Coliseum Gardens, now renamed Lion Creek Crossings; and

WHEREAS, the Authority issued a Request for Proposals (RFP) which was mailed directly to over 65 agencies and organizations and advertised in the Oakland Tribune; and

WHEREAS, EBALDC was selected as a program that best meets the needs of the residents and the requirements of the Authority for the provision of personal budgeting, consumer finance education, individual development accounts with matching, peer support groups and seminars, home buyer training and small business/micro-enterprise development; and

WHEREAS, the original RFP and Board resolution authorized the Executive Director to alter HOPE VI CSS sub-grant agreement scopes and selection of providers to address changes in resident services needs; and,

(Page 2) WHEREAS, EBALDC, as development partner for the Lion Creek Crossings HOPE VI development, has a daily presence on-site at Lion Creek Crossings, has experience providing comprehensive resident services at other EBALDC residential sites, and has the capability of providing all the resident services needs identified during the 2006 Lion Creek Crossing resident needs assessment.

NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COMMISSIONERS OF THE HOUSING AUTHORITY OF THE CITY OF OAKLAND, CALIFORNIA:

THAT, the Executive Director, on behalf of the Authority, is hereby authorized to execute a one year performance-based sub-grant agreement not to exceed $218,750 with EBALDC to provide on-site services for school age youth and workforce development/ self-sufficiency services; and

THAT, the Executive Director, on behalf of the Authority, is hereby authorized to take all actions necessary to implement the foregoing resolution.

I hereby certify that the foregoing resolution is a full, true and correct copy of a resolution passed by the Commissioners of the Housing Authority of the City of Oakland, California on _________________. ________________________________ Secretary / Executive Director ADOPTED: RESOLUTION NO.

08/09/06

Executive Office

Oakland Housing Authority MEMORANDUM

To: Board of Commissioners From: Jon Gresley, Executive Director

Subject: Lion Creek Crossings Security Contract Date: August 3, 2006

As you are aware, the first phase of Lion Creek Crossings is now housing residents. Related, the Authority partner and property manager, has contacted the Authority and has requested increased patrol due to several incidents of criminal activity since the property has opened. Related employs a private security firm at Lion Creek Crossings, but many of the problems exceed their capacity for response. OHAPD has been providing sporadic increased patrol; however, due to the fact that the Authority does not own the buildings nor manage the property and the Authority passes operating subsidies to the property for the purpose of subsidizing operating expenses, we have indicated to Related that the policing of the property is the responsibility of the Oakland Police Department.

After several meetings between Related and the Oakland Police Department (OPD), as well as the continuance of increased criminal activity, Related contacted Phillip Neville, Deputy Executive Director of Real Estate Development, and Carel Duplessis, Chief of OHAPD, to explore the feasibility of Lion Creek Crossings contracting with the Authority to supplement OPD’s policing of Lion Creek Crossings with officers from OHAPD. Through discussions, an agreement has been reached for Related to pay the cost of two full-time Police Officers for a two year contract.

A written agreement between Related and the Authority is currently being drafted for OHA’s Board approval at the August 28 Commission meeting. Preparatory to that meeting staff will brief the Commission at the workshop session of August 9. Chief Carel Duplessis will provide the briefing and address any questions.

[Creekside Housing Partners, L.P. take control of the Coliseum Gardens/Lion Creek Crossings]

(Lion Creek Crossings used to be known as Coliseum Gardens public housing (178 units) of Oakland)

(EBALDC and Related Companies, LLC., created Creekside Housing Partners, L.P., to take control of Oakland’s public housing property in Oakland. )

FOR IMMEDIATE RELEASE

Contact: Melissa Flores Phone: 916.324.4647 Fax: 916.322.2345 mflores@calhfa.ca.gov www.calhfa.ca.gov

Financing for Affordable Family Housing in Oakland

SACRAMENTO, June 6, 2006 – A new affordable housing project will soon be built in the City of Oakland’s master planned community, Lion Creek Crossings (formerly known as Coliseum Gardens), to create rental housing for an additional 106 families. The California Housing Finance Agency (CalHFA) Board of Directors approved nearly $23 million in construction financing and $4.8 million in permanent financing for Lion Creek Crossings, a family apartment community, to be owned by Creekside Housing Partners, L.P., which is a joint venture between East Bay Asian Local Development and the Related Companies, LLC. The property management services will be provided by Related Management Company. Cahill Contractors will begin construction in August 2006 with completion expected in February 2008.

The 106-unit complex is designed to provide affordable rental housing to those with household incomes at or below 60 percent of the area median income. This project is the third phase in the master planned community of Lion Creek Crossings. This unique urban infill project is replacing public housing units developed in the 1940s. CalHFA has provided financing for all three phases of the master development, creating 367 new affordable housing residences.

- more – Page 2 The 2.49 acre project site will feature seven buildings with units ranging in size from one to four bedrooms and styled as flats or town homes. The residents will also enjoy the use of the master community’s shared common recreational facilities and community rooms currently available to Phase I residents.

CalHFA will provide nearly $23 million in construction financing with a variable interest rate for 22 months. Upon completion, a permanent loan of $3.815 million will be provided by CalHFA, as well as, CalHFA subordinate financing for slightly more than $1 million. Other funding sources include the California Department of Housing and Community Development’s Multifamily Housing Program, the Housing Authority of the City of Oakland (OHA), HOPE VI loan from HUD to OHA, the City of Oakland, and the Federal Home Loan Bank’s Affordable Housing Program.

The California Housing Finance Agency was created in 1975 with the goal of helping more Californian’s live in a home they can afford. CalHFA’s Multifamily Division has invested more than $2 billion for the construction and preservation of 36,000 affordable rental housing units assisting nearly 85,000 very low and low income Californians. More information on Multifamily Loan Finance programs and the full complement of CalHFA programs, visit www.calhfa.ca.gov or call toll free 877.9.CalHFA (877.922.5432).

The Related Companies

Related develops, manages and finances the world’s finest real estate developments. Our skills and experience are enhanced by a passion for quality and a unique entrepreneurial spirit. Related properties are more than structures – they are a union of energy, creativity, forward thinking and collaboration. Founded in New York in 1972, we are proud to call this great city our home. For more information on Related, visit our About section.

“THE SWEET LIFE” IS RISING IN MANHATTAN AT THE VENETO, A NEW EAST SIDE LUXURY CONDOMINIUM RESIDENCE FROM RELATED

^^^^^^^^^ Related of California

Related of California was formed in 1989 to focus on the development of multifamily housing in California. It is an affiliate of Related, L.P., a fully integrated real estate firm based in New York City with divisions specializing in development, property management, and financial services.

Since its inception, Related has developed over 6,000 units of housing in California, with properties in San Francisco, Oakland, San Jose, Los Angeles, Los Angeles County, Orange County, San Bernardino County, San Diego, and San Diego County.

Its projects run the gamut from award-winning apartments for low- and moderate-income seniors and families to a 487-unit high-rise apartment development in downtown San Francisco that is the tallest residential building in the city.

Related’s team of professionals brings hands-on experience and expertise in project management, finance, construction, and property management, along with the financial backing of one of the country’s premier real estate companies.

Contact Us — Lion Creek Crossing — Related Companies:

To forward your questions or comments, simply click below, fill out forms and we’ll send your request to the appropriate person.

Related California Properties in California

Lockwood Gardens, Coliseum Gardens and Lower Fruitvale HOPE VI Site Profile

City: Oakland Official PHA Name: Oakland PHA Name of Site: Lockwood Gardens, Coliseum Gardens and Lower Fruitvale HOPE VI Coordinator: Philip J. Neville Phone: 510-874-1520 Fax: 510-874-1674 E-mail: pneville@oakha.org Address: 1619 Harrison St. Oakland, CA 94612 Site Profile:

FY 1994 Implementation Grant: $25,510,020 FY 1996 Assistance Award/Amendment Funds: $1,000,000

OHA’s HOPE VI program in East Oakland involves the extensive renovation of 372 out of 550 housing units in two complexes and four scattered sites (consisting of 60 units) located in Lower Fruitvale. Fourteen scattered-site units are scheduled to be demolished and rebuilt. A site-based management strategy is currently being tested at Lockwood Gardens, which has 372 housing units.

The HOPE VI program enabled OHA to expand its collaboration with the Mayor’s office, which began with the City’s 1991 campaign to reduce violence and drug trafficking within and around the Coliseum and Lockwood communities. The Mayor’s Office was very supportive in preparing the original HOPE VI application and has been heavily involved in the effort ever since.

The joint successes from both the Mayor’s program and OHA’s HOPE VI development process have positively impacted the Coliseum and Lockwood sites. There is marked improvement in the environments at both sites. Resident-planted gardens are not vandalized and children and adults can remain outside after dark, which was considered unsafe just a few months earlier. Policing services are provided by the Oakland Police Department to all authority sites. Officers from the Oakland Housing Authority’s Security Services Department supplement the City’s services. To supplement security at Coliseum and Lockwood, iron fences are used to surround the complexes.

OHA was the recipient of several HUD grants in 1995, including a HOPE VI planning grant for the West Oakland area. Additionally, there are two major modernization programs currently in progress in West Oakland.

^^^^^^^^^^^ Coliseum Gardens HOPE VI Site Profile

City: Oakland Official PHA Name: Oakland PHA Name of Site: Coliseum Gardens HOPE VI Coordinator: Philip J. Neville Phone: 510-874-1510 Fax: 510-874-1674 E-mail: pneville@oakha.org Address: 1619 Harrison St. Oakland, CA 94612 Site Profile:

FY 2000 grantee in the amount of $34,486,116.

The Housing Authority of the City of Oakland will receive a HOPE VI Revitalization Grant in the amount of $34,486,116 that will enable the Housing Authority to revitalize the Coliseum Gardens public housing development. A total of 178 severely distressed units will be replaced on-site with 30 public housing units, 20 tax credit rental units, and 85 affordable homeownership units. In addition, 148 public housing units and 46 tax credit rental units will be developed on underutilized land and scattered sites nearby. A significant number of the off-site public housing units will be within new housing developments in non-impacted areas. A new park and community center will be the focus of the new, on-site community. The revitalization of Coliseum Gardens, located in the Central East Oakland Target Area within the Coliseum Redevelopment Area, will benefit from a $134 million investment in the Coliseum BART Station and the new rail connection between the Station and the Oakland International Airport. Oakland’s HOPE VI Grant will leverage a total of $56.2 million other public and private funds.

For details, read HUD’s Fact Sheet:

Lion Creek Crossing (Funding for the streets at Lion Creek Crossing from Oakland Redevlopment Agency)

US bank Goldman Sachs accused of fraud

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Saturday, April 17, 2010 

US bank Goldman Sachs has been accused of fraud by the American regulator Securities and Exchange Commission (SEC).

According to the SEC, Goldman Sachs failed to inform investors of a conflict of interest in the banks’ marketing of sub-prime mortgage investments, which were being sold at a time of uncertainty in the US housing market. The SEC says that a Goldman subsidiary, Paulson & Co, had been involved in the selection of securities included in the mortgage investments. It had not been disclosed to investors that Paulson had bet that the value of the investments would fall, benefiting Paulson but not those who bought the investments.

The securities, which were combined into a package called Abacus that was sold to investors, lost over $1 billion during the collapse of the US housing industry. According to the SEC, Goldman, Paulson, and the creator of Abacus, a vice-president of Goldman Sachs named Fabrice Tourre, all knew that the housing market was going to collapse, but continued to sell Abacus despite the risks.

Tourre had been in command of selecting the investments within Abacus, and then was the person responsible for selling it to investors. He had told those who invested in Abacus that its components had been selected by an independent party, ACA Management.

In all, 99% of the investments within Abacus were downgraded, and investors lost upwards of a billion US dollars.

The SEC alleged that “Goldman Sachs arranged a transaction at Paulson’s request in which Paulson heavily influenced the selection of the portfolio to suit its economic interests.” In a short response from Goldman, the bank said that “The SEC’s charges are completely unfounded in law and fact and we will vigorously contest them and defend the firm and its reputation.”


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