Reviews (10)

How to succeed in Commercial Real Estate
YOU ARE ONLY GOOD AS THE TOOLS YOU HAVE!. If I had this TOOL, "How to succeed in Commercial Real Estate", when I first stated, I would not have faced all the bumps and brambles in this business. Stay the course, as noted in the book, and you will definitly succeed in this Business. A True Five Star!

How to Succeed in Commercial Real Estate
John Bowman creates a realistic overview of the Commercial Real Estate industry, including the opportunities and the risks involved how you start and build a career. A must read for anyone considering a career in the business.

worthwhile info
It's a good read with worthwhile info. The reviewer below who commented that the book is "high school" level material doesn't work in the commercial real estate business, and apparently was mad that Bowman's book isn't a motivational get-rich-quick real estate book.
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Subjects:  1. Business & Economics    2. Business & Economics / Real Estate    3. Business / Economics / Finance    4. Business/Economics    5. Real Estate - Buying/Selling Homes    6. Real Estate - General    7. Real Estate - Investments    8. Real Estate - Sales    9. Commercial real estate    10. Real estate agents    11. Real estate business    12. Real estate investment   

Reviews (72)

Have a successful business AND a life + security for the future
My sales went from $2.7 million in 2004 to $8.5 million in 2005. Now we're heading to towards $12 in 2006. Hot dog!
Great Insights!!
I think it gives you a common sesnse approach that will quick start you in your carreer. Evry agent should pick it up. I beleive I picked up a couple ot items that will be crirical to my success.

Lots of sizzle with no meat
I am really confused by all the great reviews. I am sure that most are Keller Williams agents. There is really nothing here. There are not any scripts, dialogues, systems, checklists or anything else that resembles a process or system that can be followed. There is a whole lot of hype and rah rah here if that is what you are looking for. As someone that has been a very successful agent selling in excess of 100 homes a year for years. It is clear that this book is full of theory. It is the writers theory of success not what really works. It is at best a view from what an agent does when they reach the pinnacle of sales in the real estate profession. It is not what they do, think, implement, study, perfect as they climb the mountain to success. This is not a book for new agents. In fact it is not a book for most agents. There are few people that can really pull off what Keller is theorizing here. Most agents are going to spend boat loads of money to fail miserable at following the book. I have seen too many agents follow this book with out the fundamental skills they need in the business like, time management, sales skills, prospecting. lead follow up, presentation skills and qualifying skills all are missing in the book. "Millionaire agents" have to be good at those first or they won't be Millionaire Agents. These agents who follow the book then blow out the door of the office when they could have made it in the business.
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Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Finance, Personal    5. Professional Occupations    6. Real Estate - General    7. Real Estate Administration    8. Real estate agents    9. Real estate business    10. Business & Economics / Real Estate    11. Business & Management    12. Real Estate   

Reviews (2)

Superb Introduction to Financial Planning
I bought this book for a non-credit Financial Planning class at Florida State.I didn't stick with the class, but I'm keeping the book.It seems to cover just about everything anyone except a financial professional could ever need to know about the financial planning process.If there's a downside to the book, it's that it reads like a textbook; HOWEVER, that's what it is.AND, being a GOOD textbook, the writing is clear and understandable. Excellent resource for taking financial control
I had to purchase this book for a university course I once took (several editions earlier).This book is a great resource for taking you through the personal financial planning process.This book may seem a bitintimidating but if you want personal financial success, it is worth goingthrough the book.It will take you step by step on how to achieve yourfinancial success.This is the best textbook I have ever purchased. ... Read more

Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Economics - General    4. Finance    5. Finance, Personal    6. Personal Finance    7. Personal Finance - General    8. Business & Economics / Personal Finance / General   

Reviews (81)

What Are Your Retirement Goals?
It isn't easy to write a book about retirement that speaks to all age groups, from college grads to Baby Boomers to retirees, but Lee Eisenberg has done it. The Number isn't as much about financial planning as it is about asking readers to reflect on what is important to them and how they should go about reaching their goals. He is looking at the issue of retirement security from a psychological/philosophical perspective. It is filled with interesting stories that will inspire twenty-somethings to get smart about money at an early age and Boomers to stop procrastinating and/or guessing at their Number while they still have time to make a difference. As an attorney/CPA with an active retirement andestate planning practice, I see many clients who have no idea how to even begin estimating how much they will need when they retire. And I think for many of them retirement looms as an intimidating unknown.It's great that a book like The Number is out there to help them figure out what steps they can take now to get on the path to a more secure future. I give this book a solid four stars and not five only because my CPA training kept me yearning for more quantitative analysis.
Not For Commoners!
I read this book in the hopes of gaining a helpful framework for thinking about - and perhaps even achieving - my "number" for retirement, but that is not what I found between its covers.Mostly the book concerns itself with the soul - searching and anguish that people who have 1 - 10 million dollar "nest eggs" go through in trying to decide if its enough to support them in the manner to which they have become accustomed, until such time as they pass on.Although I really FEEL for these people, my financial situation is much more in sync with the run-of-the-mill American, and for us Mr. Eisenberg has barely a mention, let alone advice. On a positive note, I did find his writing style to be very engaging. Bottom line - I would have to recommend that you avoid this book and use the time saved to read something more useful and/or fun.

There is no number, only a lot of assumptions and risks
"The number" poses an interesting question but provides no helpful answers. A four percent draw on invested assets is as much an old wives' tale as a piece of scientific wisdom, even if it is a number. Eisenberg's number is the inverse of that draw down, or twenty-five times.... well, there's the rub, twenty-five times what? income? expenses? income less savings? projected discretionary spending? Post-mortgage payoff and college tuition expenses? The proverbial bottom line is clouded by conversations with an eclectic collection of consultants, experts, philosophers, and casual acquaintances. Eisenberg, a former Esquire editor and short-timer with Lands End, ruminates about a simple question: How much money do you need to feel secure? The problem is that security comes in multiple forms: happiness, comfort, excess consumption, ego. And the accuracy and stability of those measures and outcomes is compounded by key assumptions about how long you will live and how healthy those years will be. Constructing a one-year budget is hard enough. Constructing a thirty-year budget is nearly impossible.
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Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Consumer Finance    5. Finance, Personal    6. Personal Finance    7. Personal Finance - General    8. Personal Finance - Retirement Planning    9. Planning    10. Quality of work life    11. Retirement    12. Social Science / General   

Reviews (1)

A Thorough Reference
This book is written like a textbook - starting with the most basic concepts - but moves on to discuss the tools and techniques of market analysis in considerable detail. Separate sections deal with residential, office and industrial, retail, hotels and resorts, and mixed-use developments. Case studies are given for each type of property. Technologies and data sources to assist analysis are discussed.Read more

Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Case studies    5. Market surveys    6. Marketing - General    7. Real Estate - General    8. Real Estate - Sales    9. Real estate business    10. Real estate development    11. United States   

Reviews (8)

Good guide, but can be confusing sometimes
This is a good book. It is crammed with lots of information that is specific to the loan industry. It is a comprehensive guide covering most of the aspects of the loan industry. I turn to this guide every now and then to check up on problems and questions that I run into with my loans.
A Must Have for the new mortgage broker!
I wish I had found this book the very day I passed my state exam.It would have saved me much frustration and my confidence could have been boosted a lot sooner, which is key to succeeding in this business.This book is putting me equal to, if not ahead of many people who have been in the business for years.I'm shocked at how little people know and I'm pleased at how much I've learned from this book.Absolutely the best money I've spent on my new career!

Jameson Thottam (worked with The Loan Page, IndyMac Bank, Homestore)
Hi, my name is Jameson Thottam and as a mortgage industry participant (VP with various firms such as The Loan Page, IndyMac Bank, Homestore), I highly recommend this book to anyone interested in learning about how the mortgage industry works (soup to nuts: Mortgage Value Chain, Secondary Mortgage Loan Insider Trading, Marketing, and issues related to OCC / OTS / SEC / FDIC, RESPA legal issues & litigation, Operations and other significant issues).
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Subjects:  1. Banks & Banking    2. Business & Economics    3. Business & Economics / Banks & Banking    4. Business & Economics / Real Estate    5. Business & Economics / Training    6. Business / Economics / Finance    7. Business/Economics    8. Finance    9. Loan officers    10. Mortgage loans    11. Real Estate    12. Real Estate - General    13. Real Estate - Investments    14. Real Estate Finance    15. Residential real estate    16. Training   

Reviews (13)

Excellent Ideas
I watch "Designed to Sell" every night - sometimes even the reruns! I looked forward to getting the book but was a bit disappointed about the book's layout. For one thing, on some of the pages they use very small print with a font color that almost matches the background of the photo on the page. I actually had to go back through the book at one point because I had missed some of the write-ups once I realized what they did.
Much more informative than I thought it would be...
I was expecting this to possibly be a picture book full of before/after shots.Instead, it's much meatier than I was expecting.So far, so good.

Great Resource
Designed to Sell is a well written book with helpful tips and photo comparisons from the Designed To Sell program.Lisa Laporta has a wonderful sense of style on a budget.I'll look forward to a possible sequel to this book.
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Subjects:  1. Do-It-Yourself    2. Home Improvement / Construction    3. House & Home    4. Remodeling & Renovation - General    5. House & Home / Remodeling & Renovation    6. Housing & property for the individual   

Reviews (29)

Not very good for beginners
I'm sorry to say that I was disappointed of this compared to previous versions of Rich Dad series.It isn't for novices like me, but more for intermediate or expert investors.I suggest reading something like Investing Without Losing by Don Sausa for a better guide on real estate investing, especially for finding properties below market value.

Fun Book on Bricks
This was a very feel-good primer on real estate investing.It's very much about the mindset of why you should invest.A couple of years ago it would have been like a cheerleading squad for newbies.But in this uncertain time, it's just a little comfort.
Finally a book with real numbers and details, not just fluff like the others
First, I was a bit skeptical because although I really liked the Rich Dad series, I thought it was extremely light in the "how" department.Everything he said made sense, but how do I do it?Well the ABC's of Real Estate Investing will take it to the next step and tell you how.
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Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Consumer Finance    5. Handbooks, manuals, etc    6. Personal Finance - General    7. Real Estate - General    8. Real Estate - Investments    9. Real Estate Investment    10. Business & Economics / Personal Finance / General    11. Investment & securities    12. Property & real estate   

Reviews (7)

Textbook, Not Real World
Coverage of theoretical, not application.Useful for referencing concepts and reinforcing a specific point, but much more of a teaching text than reference material.

worst than boring school text book
This book is worst than school text book!!! Don't understand how others rated this book so highly.It is full of principles and theories vs. practicle real life informations.If you want to waste $$ or if your desire is to obtain dry, boring book to help you sleep, this is the one.

all about development
This book is very helpful to the novice real estate developer or student. It's very clearly written and the information is well ordered. Ideas, concepts and explanantions are well expressed. The glossary is also helpful. Highly recommended. ... Read more

Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Real Estate - General    5. Real estate development    6. United States    7. Business    8. Property & real estate    9. Real Estate   

Reviews (9)

Not a good book for real estate tax liens or tax deed sales
I went to read this book to see if they had any definite information on tax liens and tax deeds.Plenty of developers have raked in millions because they were able to start subdivisions with cheap land bought through tax sales.Unfortunately, this book doesn't cover a lot of this.
Wish I had seen it first
I am only mid-way through this book but it has already answered so many of my questions (that another book did not)!I am new to real estate investing but not new to real estate.This book is layed out (like the rest of the Dummies books) in a very easy to follow format.It points out items to definitely remember when considering transactions and also points out warnings.
Very Good Book on Real Estate Investing!!
I've purchased several books on real estate(RE) investing and this book by far is the best of the lot.It is written in a concise yet informative manner and provides beginning investors with the techniques and strategies to get their RE investment careers off to a solid start.I'm sure I'll be referring to this book many times throughout my RE investment career.
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Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Mortgage loans    5. Real Estate - General    6. Real Estate - Investments    7. Real Estate Investment    8. Real estate management    9. Business & Economics / Real Estate    10. Business & Management    11. Investment & securities   

Reviews (24)

Great book!
Great book not only for those who flip, but even for regular homebuyers in general. I am very impressed with this book. Not only it is very informative, but it is very easy to understand and read!

Good book--could be better
Pretty good book for someone starting out.He does add alot of personal life not related to flipping and repeats over and over how he is a host on Extra.Would be better if before and after pictures were from the same angle.

A Classic
This book will undoubtedly become a classic in this category, and for good reason.It is practical, well-written and realistic.It provides great pictures and examples of the author's points.It also doesn't over-hype the flipping concept as a get-rich-quick scheme.
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Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. House buying    5. House selling    6. Real Estate - General    7. Real Estate - Investments    8. Real Estate Investment    9. Business & Economics / Real Estate   

Reviews (24)

Content is disaapointing
This book is not worth your time.It covers the most basic material, and full of clichés, generalities and fallacies.If you are over 20 years old and if you actually find something new in this book, then you definitely shouldn't be investing in real estate.You might get lucky when the tide is rising, but you will likely loose it all.

Good overall picture but light on specifics
I was hoping for more details on the different types of real estate transactions while the book is more focused on just getting you excited about real estate and getting started.Pretty good if you need something to lift you up and get you going but very light on details - models discussed are very high level.

The Millionaire Real Estate Investor
Great book, it's not just a bunch of fluff like some other books are. The book breaks the process down and give's you good outlines follow.Also has some inspiring story to motivate you. ... Read more

Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Real Estate - General    5. Real Estate - Investments    6. Real Estate Investment    7. Business & Economics / Real Estate    8. Business & Management   

Reviews (8)

must buy
It's a must buy for people in high-yield/distressed analysis. I was suggested this book at my first day at work.

A Complete Introduction
The premise of this book is really quite simple.
Valuable insights, useful commentary, and professionally written.
Like many of us, perhaps you've owned some bonds that have fallen into junk status or worse, distress/bankruptcy.In most cases, did you throw up your arms either selling at a loss or confused by smallprint mail solicitations?Stephen Moyer is an absolute pro and de-mystifies what some may think of as a blackbox only understood by investment specialists, asset pirates, and/or bankruptcy lawyers.
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Subjects:  1. Bankruptcy    2. Business & Economics    3. Business / Economics / Finance    4. Business failures    5. Business/Economics    6. Corporate reorganizations    7. Economics - General    8. Finance    9. Investments & Securities - General    10. Law and legislation    11. United States    12. Finance & Accounting   

Reviews (17)

Good on scripture, lacking on details
"Becoming a Millionaire God's Way" is an interesting book that takes on the assumption that Christians are to be poor.Author Thomas Anderson (NOT Robert Kiyosaki) examines the assumption and breaks it down through inspection of scripture.
wrong by line!
The book isn't actually by Robert Kiyosaki, all he has done is the forward, that was really miss leading. The book is actually by Dr. C. Thomas Anderson. It is good. For the Christian who want to live the life that God has instored for them which is without a doubt full of prosperity.

Some good, some aweful...
There are some assertions that Anderson makes that have me wondering. On page 96 the author states that, "If we are not doing our part, He(God) is limited in how much He can do". That's silly, I was under the impression that our God is an all-powerful God who can do anything He chooses to do, regardless of our actions, or lack of the same. I was also deeply troubled by his parenting tip on page 135. Here, he is explaining the importance of teaching self-control. I am all for teaching children self-control. I'm busy teaching my 2 and 4 yr olds how to control themselves. Anderson mentions that this lesson begins at a very young age; for his son, it started at 6 weeks of age when Anderson and his wife opted to feed and change their infant son, and then leave him in a room to cry all night. Anderson states, "He didn't sleep at all the first night. The second night he was sleeping like a baby". Just before this, Anderson mentions that his son was "healthy" and "happy" before being left alone for the night. I would assert this instead: if he wasn't breastfed, then he wasn't healthy. If he was breastfed, then he was healthy, but he sure wasn't happy for long, because breastmilk is digested VERY rapidly, and no more than about 4 hours later, their newborn was aching for another meal. I can only imagine what horrors I might find in his son's book on parenting. To counter the author's fears that children might continue to awaken for snacks in the middle of the night if they aren't "taught" to sleep by their parents: my children never were left to cry alone at night. They were always fed as needed as babies, and both sleep just fine through the night. As for the rest of the book's content, I'm finding some of it helpful, but I imagine I'd find all I needed to know in "Rich Dad, Poor Dad" perhaps without the flawed parenting advice. ... Read more

Subjects:  1. Biblical teaching    2. Christianity    3. Christianity - Christian Life - General    4. Christianity - Christian Life - Personal Finance    5. Finance, Personal    6. Personal Finance - General    7. Personal finance    8. Religion    9. Religion - Christian Life    10. Religious aspects   

Reviews (26)

Great advice for business and for everyday life
My husband wants to start his own business.He has the skill to perform the service, but he has a mental block with getting started.This book is the ignition he needs.

Chuck Norris called this book PHENOMENAL...He's Right
One of the best books i've ever read.The author presents hundreds of Solomon's Proverbs covering 15 topics.The chapters on diligence, conflict and adversity, and partnering have been life-changing for me.And his chapter on deferred hope gives the most enlightening revelation on why relationships fall apart that I have ever heard.Thankfully he also shows Solomon's answers for restoring broken relationships.Reading the chapters on the booby traps to success and the number one cause of financial loss helped me to understand why some of my past efforts had failed so miserably.I only wish I had found this book 20 years ago.I too wish that Scott would have covered all 46 categories of Proverbs, but doing so would have probably resulted in a thousand page book.I'm a Christian, so I really loved his last chapter, but unlike the reviewer before me, Scott said right at the beginning of the book that the laws of life revealedin Proverbs can be used by Christian and non-Christian alike to achieve many of Solomon's promised outcomes.I 'll be giving out lots of copies of this book this Christmas.I can't think of a better gift to give to those I care about most.

NOT worth the money
"The Richest Man Who Ever Lived" by Steven K. Scott, I thought, would be a good buy.It was the farthest thing from a good buy.The premise of this book is imparting the wisdom of King Solomon to the masses by way of the Bible's book of Proverbs.That is at least how the book is marketed.Here are my problems with this book.First, there were plenty of good things in the book up to a point (page 244) when he states that he had divided up the book of Proverbs into 46 categories.And then proceeds to tell us that he has only presented 15 of these categories.In other words, he published an incomplete book.And it does little good to tell people, "think of the incredible insights that await you."Hey, Stevie Unwonder, I bought the book to get YOUR insights, not go through the thing myself.I probably should have done that to begin with, because I would have saved myself a lot of money.Second, he doesn't even use the Jewish bible, the Tanakh, for his source, but rather relies on the most perverted form of the Bible, the King James Version, not to mention other xian-dogma-infested version...Revised Standard, New American Standard, New International Version.NO!You MUST go to the original Hebrew for a correct understanding.And if you don't know Hebrew, the Orthodox Union publishes the entire Tanakh in Hebrew and English translation UNTOUCHED.These other so-called translations have had things altered that aren't in the original, so the sourcing isn't even correct.Third, he gets to the point where he says that the only way to honor G-d is by becoming a xian.In other words, he basically says that none of the things he has presented in his book will work unless you are a xian first.And then he gets to sounding like a crazed southern-baptist preacher during a summer-time tent revival.Talking about how Jesus said that, and how Jesus said this.I didn't buy the book to hear what Jesus said.I could care less what he supposedly said.I bought the book to read about Solomon.
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Subjects:  1. Bible - Study - Old Testament    2. Business & Economics    3. Business / Economics / Finance    4. Business Life - Inspirational    5. Finance    6. Personal Finance    7. Personal Finance - General    8. Personal Growth - Success    9. Personal Guidance    10. Psychological aspects    11. Self-actualization (Psychology)    12. Success    13. Wealth    14. Business & Economics / General   

Reviews (4)

Absolutely fantastic! Great real estate book!
This book is excellent because it is not only for new real estate investors, but is also for experienced real estate investors. The authors have put their own rules to the test by following their own advice and share their secrets in how they have invested in the real estate market. Very clear and concise. An absolute must have!

Very Informative for Real Estate Investing!
This book really helped me understand different investment approaches for real estate investing. I learned how to figure out when to apply different models for different situations (incl. my current situation)!
Valuable Info for new and experienced investors
* Spells out clearly the different investment models available to the real estate investor
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Subjects:  1. Business & Economics    2. Business / Economics / Finance    3. Business/Economics    4. Personal Finance - Investing    5. Real Estate - Buying/Selling Homes    6. Real Estate - General    7. Real Estate - Investments    8. Real Estate Investment    9. United States    10. Business & Economics / Real Estate    11. Property & real estate   

Reviews (45)

SirWired
Last night at our Investors Group meeting we listened to the speaker explain the basics of the plan in the book.Before I bought it I wanted to read the reviews.Yours was very good, except that I wish you would read the book and then come back and tell us what you think.I haven't bought it yet.
Awesome..definitely "outside the box" material
I could NOT put this book down. If you seriously want a financial plan that has ALL the benefits, then embrace this book.

This will change the way you think about finances!
This book blew me away with the concepts and idea's.It has completely changed how I will approach my mortgage and other retirement savings in the future.The concepts at a high level make a lot of sense.Getting down to the details on how to put all of these concepts together becomes more difficult.I recommend this book to everyone.I really enjoyed it. ... Read more

Subjects:  1. Business & Economics    2. Consumer Finance    3. Finance, Personal    4. Financial security    5. General    6. Investments    7. Personal Finance    8. Personal Finance - Financial Planning    9. Personal Finance - Investing    10. Personal Finance - Money Management    11. United States    12. Business & Economics / General    13. Business ethics   

Reviews (23)

Doesn't get better!
I have read many books on mortgages, at least the few I can find.This is VER VERY good.This is the 2nd good book in mortgage busines I have come across... the first was Idiot's Guide - Mortgage Broker Success... I now have to keep these two books.They serves as great reference

A Must Have!!
I am new to the mortage business and have pruchased several books on the industry.This book is by far, the BEST!It contains an amazing amount of information for those who are new to the industry.It supplies you with sample sheets of everything you will need and explains them in great detail.I cannot say enough about how valuable I feel this book has been to me!I highly recommend it to anyone new or unfamiliar with the mortgage industry!

Awesome Read
This was an awesome read.It isthe most imformative book that I have read in the loan origination field.I am utilizing this book as a masterguide in the training that I am now doing for my new loan officers and also as a refresfer course for those with experience in the mortgage loan origination business.After 22 years in the business, I have finallylocated the Holy Grail and will continue to employ its use from this day forward.If loan originators follow this lead, they will be well ahead of the curve, even in the uncertain days ahead in this industry.--
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Subjects:  1. Banks And Banking    2. Business & Economics    3. Business / Economics / Finance    4. Business/Economics    5. Mortgage brokers    6. Real Estate - Buying/Selling Homes    7. Real Estate - General    8. Real Estate - Sales    9. Real Estate Administration    10. United States    11. Business & Economics / Real Estate    12. Financial services industry   

Reviews (30)

21 Things I Wish My Broker Had Told Me: Practical Advice for New Real Estate Professionals
This book is very practical and a must read for all people considering a career as a real estate professional. Specifly describes the expectations of new agents and what is needed to survive the first year in the profession.
No. 1 Classic "Must Read"
This book was named the No. 1 classic "Must Read" by National Association of Realtors publication readers in June 2006. Working agents and longtime educators know how valuable this book is for new agents because of its honest, straightforward look at what they need to know to succeed. You will, too.
I wish someone told me NOT to buy this book!
I have probably read a dozen or more books on being successful in sales and most have been a waste of time.These people that write these books and hold seminars rarely give you any worthwhile information.Remember, the way they actually GET successful is by selling everyone else their books and tapes on HOW to be successful.I have yet to find anyone who is truly successful at their business and has passed their secrets on to anyone else.Why would they?Then you would be their competition.
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Subjects:  1. Business & Economics    2. Business/Economics    3. Careers - General    4. Consumer Finance    5. Personal Finance - Investing    6. Real Estate - General    7. Real Estate - Investments    8. Real estate business    9. United States    10. Vocational guidance    11. House & Home / General    12. Property & real estate   

Subjects:  1. Business / Economics / Finance    2. Planning    3. Public, Commercial, or Industrial Buildings    4. Real Estate - General    5. Reference    6. Regional & Area Planning