Spiralling house prices in hotspot areas such as Geneva and Zurich

Spiralling house prices in hotspot areas such as Geneva and Zurich threaten to become unsustainable unless action is taken, experts have warned.

The average price of apartments has increased 56 per cent in the past decade and that of single family homes by 37 per cent, with the trend showing no signs of abating.

In some areas, real estate inflation has substantially outstripped rises in household income.

“We’re heading towards a wall,” Credit Suisse real estate analyst Fredy Hasenmaile told swissinfo.ch. “There will be no impact this year, but that wall is only two to three years away.”

Rocketing house prices in major cities and tourist areas has been a cause for concern for some time in Switzerland. The Swiss National Bank (SNB) and the financial regulator issued dire warnings of the possible consequences for homeowners last year.

Prices in the hotspots of Geneva, Zurich, Zug and areas of Graubünden and Ticino have been driven by high levels of immigration, interest rates of virtually zero in the past year and a steady rise in household income.

The problem has been exacerbated in Geneva by local planning restrictions that benefit social housing schemes and rentable accommodation. But the strategy has backfired by reducing supply and forcing up rental prices as well as the cost of homes, according to Hasenmaile.

Blame game

The latest research from Credit Suisse revealed on Tuesday that real estate inflation in the Lake Geneva region has become more exaggerated than in the United States before the financial crash and in Switzerland just before the housing crash of the 1990s.

In Geneva house inflation is outstripping household income growth by 5.4 per cent a year, by 2.5 per cent in Lausanne and by 2.2 per cent in Zurich. Such movements are pricing locals out of the markets, a phenomenon also observed in Zug.

The threat of a real estate bubble is troubling the Swiss authorities. This is no surprise as a stable housing market was one of the reasons Switzerland managed to survive the worst ravages of the financial crisis and global recession relatively unscathed.

But the concern has also brought the Swiss central bank into conflict with mortgage lenders. The SNB has come under attack for scolding banks about lax lending criteria while holding down interest rates to stem the appreciation of the franc.

“The SNB is so focused on exchange rates that its expansionary monetary policy has heated up the property market,” Hasenmaile said. “The SNB should revert to a neutral interest rate level [around 2-2.5 per cent] as quickly as possible.”

Homes in demand

Despite all the public warnings from policy makers and experts, the message does not seem to be getting through to the Swiss. Home ownership rates are still low compared with neighbouring countries, but they have crept up to 40 per cent from 30 per cent in 1990.

Official statistics show that Swiss households sunk SFr1.36 trillion ($1.46 trillion) of their savings into bricks and mortar in 2009 compared with SFr1 trillion in 2000.

A survey by price comparison website Comparis last year revealed that half of all renters wanted to buy a home to take advantage of low interest rates. A more worrying statistic is that half of all respondents with a mortgage said they would have trouble with payments if interest rates increased by three per cent.

Experts fear that many homeowners fail to calculate that such an interest rate rise would considerably slow down the property market and reduce the value of their homes. This would hurt many households in the event of repossessions.

Panic measures

But while Credit Suisse has cautioned against a “universal belief in constantly rising property prices”, the bank points out in its survey that 40 per cent of mortgage debt is in the form of fixed interest rate loans – considerably more than a few years ago.

“People would cut back on buying cars or going on holidays in order to finance their dream [property],” Hasenmaile said. “A rise in interest rates would not necessarily result in defaults, but it would slow demand.”

The crucial point is how fast and how far prices would normalise. It is a fallacy to believe that a property contraction in Geneva would be confined to that area, according to a UBS report earlier this year.

“Viewing high price regions as isolated trouble in the Swiss real estate market would be a mistake,” the UBS report stated. “History has shown that price corrections can trigger unpredictable domino effects across multiple regions.”

The Swiss real estate market is just as prone to irrationally optimistic over-pricing and subsequent panic selling as stock markets, experts warn.

Matthew Allen, swissinfo.ch

Better chances for the Dot Tel domain, by having less restrictions?

If the restrictions for .Tel Domains would be removed, then they would be the "better Dot Com's" for mobile telephone Internet usage.

Furthermore, if Dot Tel domains can offer something, that Dot Com domains can't offer on a mobile phone, than Dot Tel domains would be in more favorable position.

Extensions can`t change, but restrictions can be removed, anytime.

Hardly anybody would mind to pay the hosting for a Dot Tel domain, if they had the same freedom as with a Dot Com domain. At the end, they would have the better domain extension for mobile Internet on smart phones. As people would know, that a Dot Tel domain, is like any other domain, and that it offers the same navigation possibilities.

Users used to register a Dot Mobi, only because of its extension: Because they intended to use the domain for smart phones with Internet.

The .Tel registry is doing the same thing: Offering a domain for smart phones with Internet, but with restrictions.
However, the .Tel registry is providing a control panel, for populating the domain.
It was supposed to be a no-brainer, but the friending feature was too complecated, as well as few other things.

Why not deliver a mobile friendly template, without any restrictions? And leave the hosting to the registrars?

As soon as the only difference between domains, is the extension, Dot Tel will win over the other domain extensions, for smart phone usage.

The existing dot tel concept seems to be somewhat outdated. It might of worked well, eight or ten years ago, when it was created.

Dot Tel domains are lacking exitement. And users are used to Dot Com websites.
It is difficult to sell something that is less attractive.

The biggest advantage of the Dot Tel domain, is that it is "low cost" for the domain holder / owner. And users don't know, that using it, would be also "low cost" for them. And so, users other from the .Tel owners, don't care about the costs for Dot Tel domains. They just see a weird and boring page, with some contact information on it, and a penedrant and annoying Dot Tel logo. And say, that the design looks more like a domain parking page.

The easiest and more successful thing would be, to lift all restrictions, and tel(l) the world, that Dot Tel domains are for smart phone usage. Full stop.
And everyone would "get" that, and people would start registering .Tel's, and populating them by a webdesigner, or by themselfs.

Who would care, to have to pay hosting and a webdesigner, if they get a powerfull and efficient mobile website at the end, having a fantastic domain extension (.tel)?

The ten year old Dot Tel concept needs some rethinking and remodeling. Time for change. You can't expect a ten year old concept to be successful, ten years later.

If a Internet domain does not offer more than a landing page and a folder tree, and contact information, than it should be much less expensive... Somewhere around $03,00 (tree Dollars).

Provide a person with a Dot Com address, and he knows, what to do with it.
Provide a person with a Dot Tel address, and he does not know what to do with it.

If every new smart phone had a Dot Tel search engine as default, then everybody would know, what to do with Dot Tel domains.

If Dot Tel domains would be easyer to mobilize, and offer as much freedom as Dot Com domains, then that would be clearly an advantage for the Dot Tel domains.

Ok, I think I said enough, and now it is up to you, to "thinktank" and brainstorm.

The really biggest advantage of .Tel domains, is the fact, that one can set up a mobile friendly Internet domain within a few hours (ok, you say, within a few minutes..), and which is ideal for QR-Code usage (Quick Response Code usage). Because, if you want to sell something spontaniously, and fast, you can set up a mobile friendly .Tel domain, and encode it as a QR-Code (you generate a code from a website URL, for example), and print the code and display it, where smart phone owners can scann it (and click to decode it), and then interact with you and your offer.

Speed, is what matters, and you can act fast, with a .Tel domain, a QR-Code generator, and a QR-Code reader. This sort of interaction, one can only achieve with mobile websites. And Dot Tel is already "out of the box" mobile. No need for a webmaster and a webdesigner, there. And the "no need", would be a time saver and advantage, in connection with QR-Code usage. Again: Time saving matters.

Cheers.

Dot Tel domains: Review.

First of all, I heartily thank Bill, for his fantastic blog „DOT TEL DOMAINS BLOG“, at http://dottel.blogspot.com/.

I agree with many of his statements, especially, about the .tel domain registry Telnic. And I can hear a lot of disappointment within his comments.

How good is the communication between Telnic and the holders of .tel domains?: The call for a professional webdesigner for the Dot Tel interface and look, had never been realized.

Bill put the question, once again, if one should renew or drop the .tel domains, and he tends to not renew most of them, due to his „uncertain future for .tel“ vision. Bills comments are easy to follow and understand, according to common sense. However, investors should aim a long term strategy of about five years, and then make a decision to drop the .tel domains, or not. If you don't think in long terms, you are not investing. Neither are you investing, if you are not taking financial risks.

Besides all the improvements for the look and the promotion of .Tel that could have been done, but haven't been done, and after ca. two years, since online, .Tel is clearly underestimated, undervalued, and hardly, or not understood. The Dot Tel domain is a Internet landing page for contact and business information, and a lot more. The domain works partly „out of the box“, and can be, on the other part, configured, with a bit of nitty gritty work, to a efficient SEO booster, and a domain that gets found in Internet.

I doubt that any .tel domain with an good name is a waste of money, if used and kept up to date.

Dot Tel domains are here to stay. The key is public education, but which hasn't taken place on a grand scale.

The monitary system is not favorable for long term investments: It depends strongly on short term profits. Every one thinking, they could make short term profits with .tel domains, must give up those expectations. The value of a domain, is not the value in form of money, that you can cash in, at a given time. With time, certain domains get sought after, by a few people, who know what they could do with them. Offer them, where there is competition from other bidders: At an live auction.

If we drop a .tel domain, or sell it under value, we lose in the long term, but save expenses in the short term: So what do you prefer, and what can you afford?

Even Dot Biz and Dot Mobi will become established and accepted by a wider audience. The are late comers, same as Dot Tel.

Now, imagine, you could just buy a domain, without having to renenew it every year...: No droped domains, would be the result.

Now imagine, Dot Tel's would cost only $5 instead of $10 (http://www.name.com/ price): The result would be....: Less droped domains. Both szenarios sound like fair deals.

For a reseller, or for a domainer with a large portfolio, the domain prices are probably too high, for uncertain long term investments: Why don't the domain registries take such a fact into account, with non-established domain creations?

The decisions are always based on financial thoughts and related to current market prices.
Basically, a good domain name and ranking, has nothing to do with money. And money shouldn't spoil the success, potential and fun.

As I once pointet out: The domain extension ".tel", is probably the best of all existing domain extension, by just looking at the extension itself. And no other existing domain name extension suits better for mobile phone computing.

People have never asked, what sense the domain name extension ".com" makes: But ".com" just got accepted and established with time, by the masses. ".com" could either mean "communication", "commerce", "company", "computing", whatever.

With ".tel", I think, people can't easily make the bridge from Internet domain to telephone, respectively, why should a website URL have a extension, that reminds you of "tel-ephone"?

As soon as Internet and the smart phone become a natural related thing, there might be a run after anything, that eases mobile communication. Inclusive "Dot Tel" domains.

If the couple "Internet" and "smart phone" is no no-brainer yet to mainstream, why should the Dot Tel registry Telnic make much effort to educate mainstream about Dot Tel?
Looking at it that way, and in that aspect, you couldn't blame Telnic, for beeing as passive, as it has been, up and till now. Telnic is not bigh enough, to take such a finacial risk, as such promotion would not just cost one million Dollars, but at least five or ten million Dollars.

By just having a lot of "drops" (droped .tel domains), the financial losses, are still kept at the smallest possible. And financial recovery is possible, anytime, within reasonable time.

Therefore, Telnic is far, from "missing the boat". And all chances are fully intact.

Dot Tel, will pick up, with time. And it will be the overall development in the world of mobile communication, that will decide about the success of the Dot Tel domain.

Of course, and nevertheless, Telnic should change a few things now, at present, and not postpone those. You might be able to say, what that should be. But I am not quite sure.

I think the registry, as well as the domain holders, are a bit overextended. And decisions and actions taken, on both sides, are either taken too carefully, or too hastily, but neither appropriate.

So, who is to blame?: I think, the basic problem are high costs for calling and surfing on a smart mobile phone, which hinders mainstream owners of mobile phones, to access the Internet from their mobile phones, or access Internet, more often. Roaming costs, or still far too expensive.
And people don't know, that .Tel pages the sites that can be viewed at the lowest cost.

When mobile Internet gets generally more mainstream, then that is when Telnic should start making some serious efforts with promoting .Tel, and spending some important amount of money for promotion. I assume, that Telnic does have a successful strategy, even if it doesn't really look that way.

All in all, domaining with heavyweight in the mobile telecommunicaion field, and expecting to make some tidy earnings, and some serious money, is nothing more than a poker game.

Dot Tel domains, are usefull, now, but for for getting tidy earnings through advertising or selling, it is far too early. But you should nevertheless learn all about .Tel, and how to improve and populate a .Tel domain. Because when things take off, you should be ready, and even better: Already established with your .Tel's.

Think twice, befor your intend to drop your Dot Tel domain(s). Act fast, to get a Dot Tel name, as long as it is still available.

Don't forget, that the future of Internet, is in mobile computing, mobile Internet, mobile phones, and mobile websites. Desktop PC's are being replaced by mobile laptops with an aditional bigger external monitor, so that they can be used at home, as well as away from home. And soon, you will be able to interact (more) between your stored data on your smart phone, and your laptop. Let us say, you scan info on the go, with your smart phone, and download it to your laptop.

And so, why will you wan't to give up a good mobile Internet address, if things are developing so promissing?


Herer are some useful links:

Create, print or display a .TEL business card
http://www.nametag.me/dot-tel-business-cards.php

Create, print or display a .TEL business card with QR Code.
http://nametag.me/qr-code-dot-tel-business-cards.php

Promote Your Dot Tel Domain: Generate A QR-Code, And Display It, Where It Can Be Scanned.
http://www.qrstuff.com/

Advertise On Dot Tel Domains
http://www.teldomaintel.com/tel-domain-services/tel-domain-advertising/

Hide Your Dot Tel Email Address
http://www.teldomaintel.com/tel-domain-services/hide-your-tel-email-tel2form/index.html

Daily Growing Dot Tel Community / New Registrations
http://www.dottel.net/daily-dot-tel-registrations#regs

Select A Dropped Dot Tel Domain Name For Registering
http://www.dottel.net/daily-dot-tel-drops#drops

Articles About Dot Tel Domains
http://ezinearticles.com/?expert=Bill_Rutherfurd

Register A Dot Tel Domain Name
http://www.blacknight.com/telnic.html

Share Your Dot Tel Domain
http://tel2social.com/

Sell Or Buy A Dot Tel Name
http://teltheworld.co.uk/teltheworldmarketplace.html

Dot Tel Monthly Meetup Group
Join us to learn the advantages for PR and marketing in the dotTel space: The Vancouver dotTel Meetup Group Monthly Meetup.
http://www.meetup.com/dotTel/

Dot Tel News
http://www.dottelfinder.com/news/

Dot Tel Forum For Naysayers and Supporters
http://www.namepros.com/561820-the-official-tel-discussion-thread-279.html

Dot Tel And QR-Codes
http://qr-code.dot-tel-domain.tel/

Dot Tel Info Center
http://dot-tel-domain.tel/

Dot Tel Self Learning Center And Tutorials
http://tutorials.dot-tel-domain.tel/

Dot Tel Design Support
http://teldesign.tel/

Search Dot Tel Contact Info
http://d0.telpages.com/search.action


Dot Tel Business Services
http://thetabiz-services.dot-tel-domain.tel/

Email Addressbook (Hidden Email)
http://wikiworldbook.tel/

Dot Tel Support
http://aled.tel/

Cabbage flower vagina dreams.

The vagina and the cabbage flower are both equally beautiful.

Lavender/rosy color of the flower, or of the vagina, both in common.

The thought of a woman, I can imagine to have sex with, automatically creates the image of rosy lips of flesh of the vagina, just beeing there, like a cabbage flower, a creation of nature, in its brut form.

The existance of the vagina, means that it is a mans duty to please it.

A man is not a man, without the vagina. And a vagina is not a vagina, without the man.

A man can only be a man, with a woman. And a woman can only be a woman, with a man.

A man might love a woman, if he can have sex with her.

The smell of a vagina: I know it so well, and every vagina, from any woman smells more or less the same.

Whatever man is as close at that, with his nose, is about to make love.

The personality and intelligence of a woman, comes first, and makes here desirable. Last, but not least, her vagina.

The phisiologie of a woman shows clearly, that her tighs are long, so that they can quasi trap the man, and press him towards her body.


The body of a woman, is all about sex, making love, reproduction of mankind, and breastfeeding a baby.

Why has sex sunken to such a low niveau, and is been so commercialized?

As long as men pay for having sex, there will be hookers. But hookers can't provide a man with a great sex experience. But the woman from next door, could probably.

The vagina that reiminds me of a cabbage flower, is my dream.

On the other side: If a man can't please his woman sexually, he can't keep her.
Or he allows her to have other lovers. Personally, I would accept such an agreement, if that would be somehow of importance, to keep her cheerful.

What basically makes you happy, is a fullfilled sex life. Might it be with one woman, or different woman.

Today, honesty is no longer "sacro sanct", and lies are used to succeed with whatever you want to get, or want others to believe in.
And so, if you had sex with an other woman, don't feel guilty, and don't let any one else know about it. It is your own live, business and pleasure.

In my opinon, a man should have a few woman to make love to, and a woman should have a few men to make love to. Otherwhise sex becomes boring.

A man is only a man, if he has seen a lot of cabbage flowers, I mean, vaginas.
And not only seen, but more.

If the woman can have equal rights about sex, she might tolerate and accept an agreement of changing sex partners.

There should be no rules and restrictions about sex. And it should be totally free in the mind.

And so I conclude, that better sex can make better people, who can live in peace, and with respect for each other. Without war, and without greed for money and profits.

Flowers, that remind you of the vagina: Enjoy! Back to the joy of sex.

.