August Issue

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Issue No 022 ISSN 1821-7753August 2013www.darproperty.co.tz

Tanzania’s Ultimate Property Guide

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4 The DarProperty August 2013The DarProperty March - April 20122

AVAILABLE FROM:In Dar Es SalaamSlipwayJ. D. PharmaciesAirport Terminal 2All Shopping MallsVillage SupermarketNHC - Head QuarterScholastica Book ShopsAll Novel Idea Book ShopsPremium Super MarketsBundu Shop - Southern Sun Oysterbay Shopping CenterNakiete Pharmacy - MwengeHome Shopping Center Renowned Hotels & Offi cesTanzania Investment Center (TIC) All Major Real Estate Agents

Arusha Points Mt Meru Hotel Ngurdoto Hotel Kibo Palace Hotel Impala Hotel Naura Spring Hotel Themi Suites Njiro Complex TFA Complex New Arusha Hotel Naazi Hotel Barista Cafe All Major Banks Woolworth Stores JJ black Stores Snow Crest HotelSmart Choice SupermarketsShoprite Supermarket

PropertyDar PropertyDarTanzania’s Ultimate Property Guide.

TM

PublisherDarproperty Tanzania

Editor In ChiefMonica Festo

[email protected]

Designs & LayoutsAlan Peter

Dennis [email protected]

Marketing & SalesMichael Francis

[email protected]

DistributionBoniface Metta

Online Content ManagerMbwana Mbura

Sales RepresantativeMilembe Pamba

Brenda NdashukaGlory Mgonja

Business Development & ProductsAbdallah Mugasa

Offi ce Assistant.Brigita Laurance

Regulatory & Legal AdvisorsNexus Associates - Attorneys at Law

Mikocheni B - Bima road,P.O. Box 105499 Dar es Salaam

+255 22 2780 517+255 784 238 962,+255 713 751 868

[email protected]

DistributionShould you have problems in obtaining copies of DarProperty

Magazine, please contact+255 713 888 036

For Comments, Complains & [email protected]

The Darproperty is published by Darproperty Tanzania Company. All rights reserved. cThe contents and opinions expressed herein are not necessarily the representation of publisher’s view. All material published is deemed to originate from the author and will not accept any liability whatsoever in respect that have been sourced from contributors. Users are required to make their own judgement on the details contained in each advertisment. While every caution is taken in compiling the contents of this magazine, the publisher will not accept any liability for the effects arising thereof. No part of this publication will be reproduced with out written consent from Darproperty Tanzania Company.

To advertise Call : +255 713 751 868, 784 238 962

[email protected]

Also Available Online

Scan this QR CODE

Royal OvenPizzeriaCasinoCofee ShopU-turn SupermarketNono SupermarketImalaseko SupermarketIsamilo LodgeYunni Minni SupermarketMwanza HotelGold Crest HotelJb Belmount HotelRyan’s Bay HotelTilapia HotelVictoria Palace HotelMalaika Beach ResortFast JetBanks & Offi ces

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5 The DarProperty August 2013

LAWYER, LAND SURVERYOR, FINANCIAL ANALYST,REAL ESTATE AGENT, MARKETING EXPERT,

REAL ESTATE DEVELOPER.

ask the EXPERT

7 The DarProperty MAY - JUNE 2013

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TANZANIA FEDERATION OF COOPERATIVES [TFC]

IN ASSOCIATION WITH UNIT TRUST OF TANZANIA [UTT]

INVITE APPLICATIONS FROM INTERESTED TENANTS WHO WISH TO HIRE SPACE AT

THE ULTRA-MODERN NEW USHIRIKA TOWER.


If you are among the thousands of people who turned the dark cloud of the recession into the silver lining of becoming self-

employed, you may feel you are now in a position to refinance your mortgage or to buy a home. Even with good credit and sufficient assets, though, you’ll find that even the best mortgage lenders will require you to produce your tax returns and possibly a quarterly profit-and-loss statement in order to establish that you have sufficient income to make your mortgage payments.

Most mortgage applicants today are prepared to go through a few hoops to qualify for a mortgage, but if you’re self-employed you may need more than a quick comparison of the best mortgage rates to find the best mortgage for you. If you’re new to self-employment, you will need to wait until you have two years of tax returns filed before you can be approved for a new mortgage in order to include your self-employment income in your loan application.

Low Debt-to-Income RatioLenders typically like to see an overall debt-to-income ratio of 41% or less, although borrowers with other compensating factors may still qualify for a mortgage with a ratio as high as 45%. You can use a mortgage calculator to estimate your housing costs along with your other debt. If you can pay off some bills to reduce your debt-to-income ratio that can be another compensating factor in your favor.

4 STEPS TO QUALIFY FOR A MORTGAGE IF YOU’RE

SELF-EMPLOYED

IncomeMany self-employed individuals reduce their income for tax purposes by deducting business expenses. Be aware that your income for a mortgage loan will be the income stated on your tax returns. So if your income is too low, you may qualify for a smaller mortgage amount than you thought. Your income will usually be the average of your two most recent tax returns, even if you made more money this year than last year, it may not matter to your lender. Lenders often require a quarterly profi t-and-loss statement in addition to your most recent tax returns. Some lenders want that self-employed borrowers are required to prove their ongoing income in the form of a year-to-date profi t and loss statement if more than one quarter has passed since the last tax return was fi led.

AssetsIf you are refi nancing, your mortgage will be based on the amount of your home equity. If you, like many other homeowners, experienced declining home values in your area, you may want to consider a “cash-in” refi nance. A cash-in refi nance builds your home equity faster and, if you are underwater on your home loan, can bring you back above water. If you’re buying a home, a bigger down payment can make it easier to qualify for a mortgage since the loan amount will be smaller.

ReservesThe rules about how much you need to have in cash reserves varies from one lender to another and for different mortgage products, but you should have at least two months or more of housing payments (principal, interest, taxes and insurance) in the bank to protect yourself in an emergency. Lenders particularly need to know that self-employed borrowers, whose income often fl uctuates more than regular employees, can handle their fi nances and have savings.

The Bottom LineIf you are self-employed and have solid income, assets and good credit, you are likely to be able to qualify for a mortgage as long as you provide the documentation needed to your lender.

Written by: Michele Lerner


12 The DarProperty August 201312 The DarProperty The DarProperty The DarProperty August 2013

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Located in Msasani Village on the outskirts of Dar Es Salaam City is this unique develop-ment that continues to attract much interest from investors, and leasers alike. Highland and Dar Villas were the dream of one of the developers who purchased the land in the 1990’s. Four years later his dream came into fruition when the first phase – Dar Villas was fruition when the first phase – Dar Villas was completed. Now in 2013 the final phase Highland Villas is 3 Months away from Com-pletion with 75% already occupied.

The NEW development – consists of 81 indi-vidual houses each with their own swimming pool and two car garages. There are three models of house to choose from Onyx, Emerald and Solitaire. Onyx and Emerald have 5 bedrooms while Solitaire has 4 bedrooms. As a whole these two side by side developments are probably the largest single developments are probably the largest single housing developments in Tanzania to date and will probably remain as such for some time to come.

The compound will be served by multiple generators that will run jointly to provide peak power requirements to all the houses and are designed in such a way that one or more will shut down when power require-ments are low and start up again when demand increases. Thereby reducing fuel and maintenance costs plus being more eco friendly. In an effort to cut power requirements the occupiers will be using energy saving bulbs.

Highland VillasMsasani Apartment Hotels LtdP.O. Box 6101 - Dar es Salaam.

022 2701116/[email protected]

Highland Villas“your dream is our reality”

Located in Msasani Village on the outskirts of Dar Es Salaam City is this unique develop-ment that continues to attract much interest from investors, and leasers alike. Highland and Dar Villas were the dream of one of the developers who purchased the land in the 1990’s. Four years later his dream came into fruition when the first phase – Dar Villas was fruition when the first phase – Dar Villas was completed. Now in 2013 the final phase Highland Villas is 3 Months away from Com-pletion with 75% already occupied.

The NEW development – consists of 81 indi-vidual houses each with their own swimming pool and two car garages. There are three models of house to choose from Onyx, Emerald and Solitaire. Onyx and Emerald have 5 bedrooms while Solitaire has 4 bedrooms. As a whole these two side by side developments are probably the largest single developments are probably the largest single housing developments in Tanzania to date and will probably remain as such for some time to come.

The compound will be served by multiple generators that will run jointly to provide peak power requirements to all the houses and are designed in such a way that one or more will shut down when power require-ments are low and start up again when demand increases. Thereby reducing fuel and maintenance costs plus being more eco friendly. In an effort to cut power requirements the occupiers will be using energy saving bulbs.

Highland VillasMsasani Apartment Hotels LtdP.O. Box 6101 - Dar es Salaam.

022 2701116/[email protected]

Highland Villas“your dream is our reality”

REAL ESTATE’S CONTRIBUTION ‘NOT ENOUGH’

Dar es Salaam. Despite the fact the real estate sub-sector is booming in the country, its contribution to

the national income in terms revenue is negligible.

It is mainly due to the government’s failure to devise workable tax collection mechanisms for effective tapping into the potential of the real estate sub-sector that could support numerous development initiatives.

The sub-sector, legislators say it is not contributing enough to the government through payment of property tax, because there are no clear and sustainable mechanisms of ensuring good management of real estate and property owners are made responsible to pay their taxes.

There are some concerns that the Tanzania Revenue Authority (TRA), which has been mandated to collect tax from the sub-sector, does not have the required skills and expertise, especially in property valuation or enforcement of property tax payment.

This was raised recently in the Parliament as legislators criticized the laxity of the government in collecting the readily available proceeds from the sub-sector by consistently coming every year with the same sources of revenue – like alcohol, cigarettes, telecommunications, soft drinks and car levies, among others.

This shows that the government has failed to identify new sources of revenue although parliamentarians propose them every year.

“The TRA will not necessarily be in a superior position to administer local property rates, as it has no particular expertise in property valuation or enforcement of property tax payment,” said Ms Vicky Kamata (Special Seats – Geita) as she contributed to the 2013/14 government budget.

Ms Kamata said that despite the fact that Tanzania had a lot of skyscrapers and palatial buildings, including residential, commercial, and industrial buildings as well as hotels, there were still some weaknesses in the way revenue was collected and administered.

In addition to the collection and taxpayer compliance problems caused by lack of a uniform local revenue system, she said lack of a uniform local revenue system hindered the systematic collection of data on local government revenue.

She noted that, although the TRA lacked some expertise in property valuation or enforcement of property tax payment, this should not preclude the TRA from acting as a collection agent for the local government authorities (LGA) upon a mutual agreement

between the TRA and the LGA.Property tax has been identifi ed by various studies as one of the local taxes in Tanzania that has not lived up to its revenue potential, which dcalls for improvement to make the tax collection system more effective.This includes improving the process of maintaining the cadaster (an offi cial register containing information on the value, extent, and ownership of land for the purposes of taxation), valuation, assessment, administration, collection, and enforcement of the property tax.Currently, in Tanzania inequitable property taxation is also found in terms of taxing only the identifi ed properties captured in the valuation roll and other local government registers, occasioning a room for some property owners whose properties are not identifi ed and registered to avoid paying tax or evade it.With the resources we have in the country, Tanzania should have been one of the economic giants in Africa. But due to a poor tax collection system, it still lags behind in development.

Sourced from, the Citizen, Tanzania.July `13By Sturmius Mtweve.

Market Insight

Home Selling Tips

1,000 Sqm godown for rent on Nelson Mandela Road, 10 Mins from SeaPort; with plenty of Parking Space.

A 3 Bedroom house for rent near Ocean Road, 50 yards from Beach with Large Garden, Living Room, Dining Room, Study Room and Balcony. Excellent for Expat Family.

Serious Genuine clientsPlease Contact :

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DateDarproperty Tanzania is registered in The United Republic of TanzaniaRegistration No: 210444.Tanzania Taxpayer Identification Number (TIN): 110-871-260

Darproperty magazine is a free magazine, if you cannot pick it from the designated areas feel free, to have it delivered to your address. Amount charged is for postage, delivering & packaging.

Cash enclosed pay in slip to Darproperty Tanzania Exim bank, A/C no. 0339281116

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Disclaimer• The Darproperty Magazine is only a property guide where real estate owners or their agents and or their real estate brokers place their property’s sale or rent information with or without pictures.

• The Darproperty Magazine does not take any part in selling, buying, or renting transactions.

• All transactions are governed by your local laws. All offers and promotions on this magazine are subject to change without notice.

• The Darproperty Magazine provides you, our readers, a venue for obtaining the information contained in this publication and has no control over the legality of any real estate for sale or rent or other offers made by advertisers, the ability of any of the advertisers to complete the sales in accordance with the offers, or the quality of the real estate offered by the advertisers real estate information for sale and or rent is directly published by the advertisers on this publication and hence The Darproperty Magazine takes no responsibility of any of their information and prices and any mistakes in printing or typing. The Darproperty Magazine has no control over whether Advertisers will honor the offers shown on this publication and does not guarantee the accuracy or completeness of the information contained on this publication.

• The advertised real estates and properties on this publication may or may not be available for sale and or rent. In the event you have a dispute with an Advertiser in any way relating to this publication or the use of information from this magazine, you agree to waive and release The Darproperty Magazine from any and all claims, demands, actions, damages (actual and consequential), losses, costs or expenses of every kind and nature, known and unknown, disclosed and undisclosed relating to that dispute.

Do you know Bagamoyo will have the biggest port in East & Central Africa Soon?Buy NOW at the Best Rate.10 Plots -1 Acre Each Available for SALE in VIKAWE, BAGAMOYO

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PUBLIC NOTICEDarProperty (T) Co.

We wish to Inform the general Public that Mr. George Claus is no longer working withDarProperty (T) Co, and is therefore not authorized to transact any business on behalf of DarProperty (T) Co,

DarProperty will not accept liability or responsibility for any transactions so entered with the said person.

GEORGE CLAUS

General ManagerDarproperty Tanzania.

P.O BOX 105499.Mikocheni B - Bima road.

Dar Es Salaam


REAL ESTATEThe ABCs of REAL ESTATE MARKET

ANNUAL CAP a limit on the amount of adjustment in the interest rate on

an adjustable rate mortgage over a twelve-month period.

Example: An adjustable rate mortgage has a current interest rate of 8%

and an annual cap of 2 percentage points. After one year, the highest the

interest rate can be is 10% and the lowest it can be is 6%, due to the cap.

BAD TITLE a condition where complete real estate ownership is impaired

by unsettled claims and liens and may prevent an owner from selling.

Example: Causes of bad title include unpaid taxes, unpaid liens, incorrect

survey, building code violations, and forged documents.

COMMON AREA MAINTENANCE (CAM) amounts charged to tenants

for expenses to maintain hallways, restrooms, parking lots, and other

COMMON AREAS.

Example: In a regional mall, the cost of utilities needed to heat, cool, light,

and clean the common areas was allocated to each tenant as common

area maintenance, charged back to tenants.

FLEX SPACE in a principally INDUSTRIAL PROPERTY, space that can be

apportioned in variable amount to offi ces, research laboratories, or

industrial purposes.

Example: Through fl ex space was more expensive to build than industrial

space; more than 25% could be easily converted to offi ce space. Thus

it could accommodate various users, including ones with changing needs.

SECURITIZATION the process of creating a security marketable in the

capital markets and backed by a package of assets such as mortgage

loans.

Example: A lender can organize a pool of such loans and create a

collateralized mortgage obligation for sale to investors.

House for Rent4bedrooms bungalow House at Oysterbay Fully air-conditioned, New renovated house Big compound and nice garden, Big Swimming pool Standby Generator, One bedroom servant quarter Price $5500 per month

Beach House4bedrooms bungalow House at Kawe Beach big compound, Standby Generator Price $2800usd per month

House At Oysterbay6bedrooms Double Stories,Ideal for Offi ce, plenty of water, Standby generator Price $3500usd

Msasani peninsula5bedrooms House at Double Stores House,Small generator, Fully air conditionedPrice $3000usd per month Msasani Bungalow house3Bedrooms House for sale at 1500sqmPrice $600,000usd

MsasaniDouble stores house, 6Bedrooms house, fully air conditioned Price $400,000usd

House at Masaki 2Bedrooms Bungalow, Fully Furnished House, All rooms are Self contained Medium size Compound, Nice Garden Big Standby Generator Price $2000usd

Msasani Peninsula4Bedrooms Apartment at Fully furnished, Standby Generator, Big swimming pool Available at any timePrice $4500usd per month

House For Sale at Mbezi Beach 5Bedrooms Double Stories House plenty of water 1500 sqm plot size, Available any time Price $450,000usd

Msasani Peninsula3bedrooms Beach Apartment at Fully furnished, swimming pool and Standby generatorPrice $5000usd per month

PHOTO & COMPANYESTATE AGENCY

0786-962 444;0715-280 770;0754-280 770

[email protected]

STUDIO 1 BEDROOM 2 BEDROOMS

VIEWING TIME:9AM - 6PM EVERYDAY

SHORT/ LONG TERM LEASE ACCEPTEDA DISCOUNT IS GIVEN TOLONG TERM LEASE (All Prices are Negotiable)

FULLY FURNISHEDMAID SERVICE AVAILABLE

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STUDIO 1 BEDROOM 2 BEDROOMS

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SHORT/ LONG TERM LEASE ACCEPTEDA DISCOUNT IS GIVEN TOLONG TERM LEASE (All Prices are Negotiable)

FULLY FURNISHEDMAID SERVICE AVAILABLE

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BICHE APARTMENTSFOR RENT

HOUSE FOR SALE KIJITONYAMA

THE HOUSE WITH FULLY FURNITURE’S

ALL THE ROOMS ARE RENTED GENERATE INCOME

CENTRAL SEWERAGE SYSTEM

3 PHASE LUKU METER 2 UNITS

2 PHASE LUKU METER 2 UNITS

1 BORE HOLE WAILS 20,000 LITRE PER DAY PRODUCTION

GROUND FLOOR, FIRST FLOOR, SECOND FLOOR

2 STUDIO APARTMENT (PENT HOUSE ) @ 120M2 APPROX

3 MINI STUDIO @ 40- 30M2 APPROX

5 SELF CONTAIN SINGLE ROOM 20-18M2

7 CAR PARKING FACILITY

4000 SQUARE FEET

call; 0655 281700

CALL0716 42 02 15

PLOT FOR SALEUKONGA - DAR ES SALAAM

(MOSHI BAR - KWA DIWANI)

TZS 600,000,000PRICE

10000 SQUARE METER

CORNER PLOT PROPERTYSUITABLE FOR PRIMARY SCHOOLANY OTHER COMMERCIAL USEFENCED AND GATEDTHREE PHASED ELECTRICITY




KEY REAL ESTATE SOLUTIONSRegent Chwaku North UrsinoTel: +255 22 27016740715 053 803, 0786 053 803,0754 28 46 84mariam@keyrealestatesolutionstz.comwww.keyrealestatesolutionstz.com

KNIGHT FRANK International House 3rd Floor,Garden Avenue.P.O BOX 9333,Dar es Salaam.Tel +255 22 2113300

MY BEACHOld Bagamoyo Rd. opp Yuasa auto impexP.O BOX 105200. Dar es SalaamTel; +255 22 2701710

NIKUZE REAL ESTATE AGENCYMorogoro RoadP.O Box 10032 Dar Es SalaamTel: +255 789/754/715/ 363 800Email: [email protected]

PHOTO & CO.ESTATEKahama Road/Msasani peninsulaP.O BOX 105121 Dar es Salaam.0786 962 444Email; [email protected].

PROPERTY CONSULTANCY & SERVICES LTD2nd Floor Kevin House - Samora AvenueP.O BOX.7152 - Dar Es Salaam+255 22 2120402, +255 713 690 [email protected]

PRESTIGE PROPERTIESPhone: +255-713-764-447/ 0767471293Tel:+255-22-266-4373Email:[email protected]

SKYMARK REALITIES LTDZanaki st. - Alimanga bldgTel: +255 22 2 134422/33

TZ REAL ESTATE AGENTS LTDHead Office: 7th FloorAmani Place Ohio Street Dar es SalaamTel: +255 756 960-960/ 0714 444 [email protected]

TRELD COMPANY LTDP.O BOX 7656 Dar es SalaamLocation Msasani Peninsular off toure drive+255 732 222 888, +255 716 777 [email protected]

ARUSHA REALTORS & ADVISORShanti House, Sokoine RoadP.O BOX 249 Arusha+255 687 440 044/ 0753 440 0440785 984 [email protected]

EL-SHADAI INVESTMENT LTDP.O BOX 17021 Arusha+255 782 677 068+255 754 421 958

HOMES & PROPERTY AGENCIES LTDLand Surveyors & Property ManagersP. O.Box 10079 ArushaBoma Rd. Arusha0787 [email protected]

REGGYS LTDP.O BOX 6 Arusha+255 756 883 389 [email protected]

MWANZAESTATEMwanzaestate.com+255 714 245 [email protected]

Zanzibar - properties.comTel: +255 774 44 19 07Hotel Marine - Malindi Zanzibar

ABLA ESTATE DEVELOPERS & AGENCY CO.LTDMikocheni Opposite Shoppers PlazaP.O BOX 3810, Dar es SalaamTel +255 22 2772506E-mail: [email protected]

AMBASSADOR REAL ESTATE AGENCYSinza Palestina - CCM bldgsP.O. Box 62067 Dar es SalaamMob: +255 784 252741

COMFORT ZONEPlot 473, Business UnitHaile Selassie roadP.O BOX 31010 Dar es Salaam+255 773 805 360Email: [email protected]

GIMCO ESTATE AGENCY LTDSamora Ave, NIC Investment Hse,P.O BOX 8382 Dar es salaam Tel +255 22 2120988Mob +255-784 900041

GOLDBERG COMPANY LTDReal Estate & Mining TradeP.O. Box 22159 Dar es SalaamOld Bagamoyo Rd, Mikocheni B,0715 270 517 / 0754 270 [email protected]. goldbergtz.com

HAMPTONS PROPERTIES TZHaidery plaza - 1st floorupanga/kisutu streetP.O.BOX 6547 [email protected],[email protected] 204083/ 0784 323133

KATIGA HOUSING EXPERTSP. O. Box 65490 Dar es SalaamTel:+255 2270 1915Cell: +255 764 763 186/+255 658 763 186Email: [email protected]/[email protected]: www.katiga.co.tz

Real Estate AgentsDirectory

DAR ES SALAAM

MWANZA

ZANZIBAR

ARUSHA

List Your Company

HERE For as Little as

Tshs 29,500 per Insertion

[email protected]


MWANZA

ARUSHA


FOR SALE

mikocheni B

6 bedrooms4 bathrooms4 cars parking space20 meters from main road

Hotline0712 - 52 98 68

$450,000

34 The DarProperty August 201300 The DarProperty FEB- MAR 2013

When you have a toothache you will see

the dentist not a mere general medical practioner.

If you are selling a real property advertise with the Darproperty because

we understand the property buyers, process and buying

patterns, offering tailor made service packs and

consultative selling approach.

To Book your space contact us on,0784 23 89 620713 75 18 68022 - 2780 517

[email protected]

PATRONS

ADVERTISERS

INDEXIf you like what you are reading

Buy from our Advertisers, remember to mention you saw theirAdvert in this magazine

ABBASI SIMKOKO........................................................28

APEX LTD.......................................................................11

BANK OF AFRICA...........................FRONT PAGESTRIP

BICHE APARTMENTS....................................................27

CHOKOLE INVESTMENT.............................................12

FIVE STAR INVESTMENT LTD .........COVER PAGE & 5

HAADI GROUP..............................................................13

JAMANA ......................................................................14

KILIMANJARO GOLF...................................................29

LUBERO ........................................................................33

MAISHA ESTATES..........................................................30

MAX INSURE.................................................................22

MR. AWADI.................................................................. 25

MR. KOBELLO................................................................33

MR. SABUNI...................................................................16

MR. SHIRAZ...................................................................22

MSASANI APARTMENT HOTELS LTD...............18 &19

MWANZA ESTATE.......................................................31

PHOTO ESTATE AGENCY.....................................26

R.K CHUDASAMA LTD.........................................3 & 14

SHELTER AFRIQUE....................................BACK COVER

SLIM SLIM......................................................................28

TBS.................................................INSIDE BACK COVER

TRELD LTD......................................................................15

TRENDS LTD .................................................................. 7

UTT ...................................................................................7

PATRON PAGE NO

Investing in Real Estate requires a good investment knowledge but no one should over look the quality of the construction materials.

Savvy investors GO for TBS approved materials. TBS offers standards and facility of material testing.

For further DetailsTanzania Bureau of Standards - TBS

Ubungo, Morogoro Road / Sam Nujoma Rd.P.O. Box 9524, Dar es Salaam, Tanzania.

Tel.: +255 22 245 0298 | +255 22 245 0206Fax: +255 22 245 0959E-mail: [email protected]

36 The DarProperty August 201336 The DarProperty The DarProperty The DarProperty August 2013

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