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Essay Instructions: - Property rights and security of tenure
- End-user finance for low income housing
- Housing reconstruction after disaster: Sri Lanka
- Slum upgrading
- Research a specific policy issue.

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Essay Instructions: Topic: Mini Project - Apply your analysis to an independent owner of a six-story hotel in the business district in a major city (population at least 100,000) near where you live. Use the different reading materials and references to analyze the questions posed in the ?Body? section below.

Below is a recommended outline.

1. Introduction
a. A thesis statement
b. Purpose of paper
c. Overview of paper
2. Body
a. Assume that the hotel is insured for $ 200,000 under a commercial property insurance policy. The policy contains an 80 percent coinsurance clause. The hotel sustained a $ 50,000 loss because of a fire in a storage area. The replacement cost of the hotel at the time of loss is $ 500,000. a. What is the insurer?s liability, if any, for this loss? Show your calculations. b. Assume that the hotel carried $ 500,000 of property insurance on the hotel at the time of loss. If the amount of loss is $ 10,000, how much will the hotel collect?
b. The hotel?s Human Resources manager has asked the Life Insurance agency representative to provide an educational seminar to several new employees from the housekeeping staff. What basic points should the agent address regarding the needs approach is widely used for determining the amount of life insurance to purchase? Describe the following needs for a typical family head: 1. Cash needs 2. Income needs 3. Special needs b. Explain the capital retention approach for deter-mining the amount of life insurance to own.
c. During the same seminar to the housekeeping staff what important details should the agent describe regarding explain the following life insurance contractual provisions. a. Suicide clause b. Grace period c. Reinstatement clause?
3. Conclusion ? Summary of main points
a. Lessons Learned and Recommendations

Essay Instructions: In Property and Liability insurance class, Electronic data is considered property, it is typically excluded from standard commercial insurance policies, thus leading to the rise of customized e-commerce policies and endorsements. In an essay format explain the products and policies that is now taken into consideration and provided.

Essay Instructions: Direct word from Professor,

Present an analysis of Jefferson Center based on a 5 year holding period ending in 2015. The presentation should represent what you believe to be the most likely income stream for this property located in Downtown Syracuse over this time period. You must develop an APOD (Annual Property Operating Data) for a five year holding period. Your allowance for vacancy will be 10% and credit loss will be 5%.
You will use the operating expenses included in your portfolio. Beginning in January 2011, operating expenses will increase 3% per year except for insurance which shall increase 5% and real estate taxes which will increase 2%. New Tenants demand a minimum of $5 psf of Tenant Improvements plus a 5% brokerage commission based on the annual rents over the original term.
1.You must derive an expected Net Operating Income for each of the five years.
2.Based on the Income stream, what is the estimate of the market value of the property this year? The prevailing cap rate for this type of property in this market is 9%.
3.Here are some issues concerning the physical property which may adversely affect its future cash flows. How will you deal with the following?
a.Roof needs $50,000 worth of repair work
b.Several (6) heat pumps as part of your HVAC(Heating,Ventilation, Air Conditioner) system need to be replaced at a cost of $5,000 each.
c.A workout facility is planned for the lower level at a cost of $125,000.

4.Given the information at your disposal, what do you believe are reasonable estimates of the property’s value over the next 5 years?
5.Next consider a sale and the gain on sale proceeds before tax.
6.Considering your personal vision and your family considerations,are you going to benefit from the sale of this property over the next five years? How?

In this assignment you may input data not found in the portfolio and project leasing with new Tenants but you must support all new information??"describing the Tenant’s wants and needs and explaining the other data used for the projections.


->I will send the basic information of Jefferson Center (including APOD) and Real Estae Metrics.
Than you so much!

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