Angriness management tools are all over on the cyberspaces. You can receive anger management tips from a great deal of complimentary websites on the Net, such as this website. By just making the time to inspect as umpteen of the anger management internet sites as viable and learning some of the intriguing tips and articles, you will discover a plenty about how to excellently manage your anger
Its worth repeating that taking up a lengthy walk can assist you cool off when you become angry. Likewise, anger can be tempered by taking on a lengthy solid swim. When it comes to what cools your anger down, pick what will work out easiest for you.
The experts who recommend anger management classes have a good point. With anger management classes, you can easily reveal any primary reason for never-ending anger in your life. The advantage with anger management is this - you will be subjugated to intense examination and questioning in the course of any anger management class to determine that the seed of your anger is not inside you. Angriness that is inside and stays inside is dangerous.
Misplaced anger can be harmful. There is zero wrong with being angry sometimes. Nonetheless, you do have a problem if you are forever angry. Checking out ways to clamp down on your anger can assist you target it the right way and prevent situations that might cause you to say or practice things that youll regret.
Are you mindful of the importance of technology to anger management? Technology has made it quite easy for us to inhibit our anger How? You can escape into the reality of your favourite computer game when you are hot under the collar as a way to calm down. There are also a great deal of other cool technical stuff to get involved with instead of venting your anger on somebody else.
Angriness stimulates both physical and chemical imbalances in the body. An frequently angry individual is more likely to sustain Hypertension. Angry individuals frequently get stricken because of the consequence of anger on their bodies. Dont let anger take master of your life when you can do something about it.
Angriness can be such a crushing force that it can leave you standing marooned in the midst of masses. When you permit your anger dictate your natural actions, you brook the chance of behaving immoderately and doing or saying something that you may regret. Dont let anger be the foundation for anything you do because more frequently than not you will end up ruing it
The latest from Полнотекстовые фиды для блогофермеров
| What is Sallie Mae? | Top |
| From Wikipedia : The Student Loan Marketing Association was originally created in 1972 as a government-sponsored enterprise (GSE) and began privatizing its operations in 1997 , a process it completed at the end of 2004 when Congress terminated its federal charter, ending its ties to the government. The company remains the country's largest originator of federally insured student loans. Through its specialized subsidiaries and divisions, Sallie Mae also provides debt management services as well as business and technical products to a range of business clients, including colleges, universities and loan guarantors. In 2005, Sallie Mae was among 53 entities that contributed the maximum of $250,000 to the second inauguration of President George W. Bush. In August 2006, Sallie Mae acquired Upromise, a company that provides rebates to buyers of certain brands, which can be applied to college savings accounts. Sallie Mae and Upromise plan to market comprehensive financial packages to parents and students, including investment plans, financial aid information, and student loans. On April 16, 2007, Sallie Mae announced that an investor group led by J.C. Flowers & Co. signed an agreement to purchase Sallie Mae for approximately $25 billion (USD). Had the transaction completed, J.C. Flowers along with private-equity firm Friedman Fleischer & Lowe would have owned 50.2 percent of Sallie Mae, and of America and JPMorgan Chase would each have owned 24.9 percent. Sallie Mae would have ceased to be a publicly traded company. The deal fell through in September 2007, with the buyers blaming adverse changes to the business's outlook as a result of the College Cost Reduction and Access Act of 2007 and the tightening of global credit markets following the 2007 subprime mortgage financial crisis. Sallie Mae subsequently began legal action, only to drop it in January 2008 upon completion of a $31 billion funding round, including funding from of America. Source | |
| Pro Cyclocross Rumors and Rumblings - October 29, 2009 | Top |
| Today, here a Pro Cyclocross Rumors and Rumblings Headquarters, we’re rolling out a new feature in the column, a mini-interview with some of cyclocross’ emerging stars and little known protagonists. First up on the agenda is RGM Watches - Richard Sachs - Radix’s own Dan Timmerman who’s made quite an impression in New England so far this season. Outside of our pro spotlight, we’ve got an update on the medical condition of Bart Wellens, who has been out of action so far this season and some transfer news for the road from this side of the Atlantic. Dan Timmerman - Pride of New England Dan Timmerman is becoming somewhat of a household name in the Verge New England Cyclocross Championship Series these days, after moving to the RGM Watches - Richard Sachs - Radix team at the beginning of this cyclocross season, joining fellow new recruits Josh Dillon and Amy Dombroski , making up one of the best teams in the nation. Timmerman has been dominant in New England this year, taking home two wins in Vermont in September, as well as repeating that double last weekend in New Gloucester, Maine. Timmerman currently is wearing the NECCS leader’s jersey and has a good shot at holding it until the series’ final weekend at the NBX Grand Prix in Warwick, Rhode Island. Without further ado, 10 burning questions for Mr. Timmerman: 1) What’s your favorite race of this season been so far? This season, my favorite race has been Granogue. It was really muddy, but warm and it was fun slipping and sliding around. I usually don’t excel in the mud but I felt I’ve made some improvement there. 2) You’ve just won a big race, what’s your ultimate post-race meal? 6 beers to numb my gut. My stomach doesn’t like me racing cross. 3) What’s your biggest career achievement to date? I’ve had a fridge magnet made with my picture on it. I got back from a race weekend one day, and a friend of mine was handing out fridge magnets with my face on them. Kind of strange, but at the same time, I guess it’s flattering. 4) If you could be anything besides a bike racer, what would it be? I’d be me with more time, minus a cell phone and a car….and a few less bikes too. 5) How did you get your start in cyclocross? What’s been your biggest influence? I started racing cross on my mountain bike in upstate New York somewhere around a decade ago. My first “real” season racing UCI on a cross bike was ‘06 with Fiordifrutta. It took me like two years to convince them to let me race cross with them though. My older brother Matt, who would later become a pro downhiller, got me racing mountain bikes back in the ’90s. It’s all those years on the MTB that much later made cross a good fit for my skill set. 6) What was your first bike? What about it sticks out in your mind? My first cross bike was my old Independent Fabrications team issue mountain bike from 1998. It was green and yellow with stars. I got on the I.F. team back then and paid cost or whatever for a frame and that bike has been everywhere with me. I raced it as a teenager in New York and New England. One year it was the only bike I rode really. I trained on it during the week and raced it on the weekend. Then I flogged it on trails out in AZ, strapped a trailer on it and rode it from L.A. to San Francisco, across Washington state and then from Oregon to NY. Then I flogged it some more back here in New York cross racing and trail riding. Now it hangs in my parents barn. 7) If you could win one race, which would it be? That race they have in December where they give out those cool jerseys. Either that or the race for the Pink Slipper [a local bragging rights race in Central New York] Who do you consider your biggest rival? Life. I’ve got too much on my plate at once sometimes. 9) Who is your biggest idol? I don’t think I’ve ever had an idol. Actually, I don’t think I even really understand what an idol is. 10) Got any crazy pre-race rituals? I usually like to cram in a six hour drive and eat a few Twizzlers. Bart Wellens Aims For December Return Bart Wellens looks to make an early return from Cytomegalovirus which has taken him out of contention for the first half of the European cyclocross season. Wellens’ latest blood tests have shown that he is free of the virus, which has sapped his strength and form for every race so far this season. While he’s been waiting to get clearance to ride again, Wellens has been providing commentary for VT4, a Belgian television station. Wellens, however, has since returned to training, and he hopes to be back racing by the time that the GvA Trofee series heads to Essen on December 12th. We all wish Wellens well in his return to form and look forward to seeing him back at the front of races in the new year! Cyclocross Stars Make Some Road Team Switches There has been a bit of movement amongst the stars of the American cyclocross circuit as American riders start to look towards the road season that is quickly approaching. Davide Frattini , who has been riding this season for Fuji Bicycles, has sparked some questions as to where his future lies or whether his move to Fuji was purely to garner support for the cyclocross season. That question has been settled as it has been announced that Frattini will be moving to Team Type 1 in 2010. Team Type 1 is based around raising awareness for Type 1 Diabetes, and it employs a number of riders with Diabetes. Frattini, who is not one of the riders with diabetes, will bring overall leadership to the team which has brought in a number of talented new riders and will challenge in the nation’s major races all season. Frattini moved to Team Type 1 from Colavita/Suter Home, which has undergone a rebranding effort in the off season, promoting bicycle supplier Jamis Bikes to title sponsor, and is now Jamis - Suter Home. The departure of Frattini has opened up roster space for young cyclocross hot-shot Jamey Driscoll who brings young talent and experience to the team. It is expected that Driscoll will remain with Cannondale/Cyclocrossworld.com during the ‘cross season, where he has been one of the fastest and most consistent riders in North America so far this season. Wondering what your favorite mudders have been up to? Doing your homework so you can win Cyclocross Magazine’s fantasy cyclocross league next season? We’ve got you covered with our new, weekly report on your favorite top ‘crossers. Each week Jake Sisson will bring you the latest news, gossip, and maybe even a tweet or two on the pro scene. This is installment #28. Installment #27 is here . Got something worth reporting? Let us know! Related stories: Pro Cyclocross Rumors and Rumblings - October 2, 2009 Pro Cyclocross Rumors and Rumblings - October 8, 2009 Pro Cyclocross Rumors and Rumblings - October 21, 2009 | |
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The latest from Полнотекстовые фиды для блогофермеров
| bank | Top |
| Happy birthday Miss Melissa! Halloween in Salem has begun! Saw the first Jack Sparrow a week ago, which is much like the first robin of spring in that it heralds the coming of many more. Tonight is the first night of Eerie Evenings at the Witch House, where Lara and I are performing (not really 'telling') ghost stories. hopefully, the jitters will go away before we start. I'm always nervous right before a show, then pretty much fine for the whole run, but that first jittery night drives me crazy. Maybe the fact that I'm expecting to do this about 30 times tonight... Started working at Thirteen Ghosts again last Saturday. I picked it back up without missing a beat, I'm happy to say, although it's easy when all you have to do is jump out at someone! The house still feels empty without Godsteve, but Marco has really come into his own as the 'cat of the house'. Steve was always jealous of any attention we gave Marco and would swat at him for approaching us. Now, Marco has become much braver and more outgoing, even though he's still terrified of everything. His constant desire for affection certainly helps salve the wounds of losing our little guy, not to mention that Marco has picked up many of Godsteve's endearing endearing qualities... as well as some of his not-so-charming traits :-) Making weekly trips to Westbrook in preparation of filming "Falkyr". Trying to revive my couple-of-years-since-used sword skills ('Demonslayers' being the exception, but I was only throwing punches) is proving interesting, and since my character is supposed to be "the" sword-master; it'll be necessary to scrape off all rust on my sword-arm, pronto. I may be switching through several sword styles in a single fight, which I'm looking forward to! Really, I'm looking forward to everything! In the Halloween spirit, I've been rewriting some of my scarier-themed plays in an attempt to put them out (or maybe up) for next Halloween. We'll just have to see! Lara and I attended the "10th Anniversary of WWE Smackdown!" show at the TD Garden, which was unfortunately not as cool we were hoping. Nothing really special about the matches and all the special guests were pre-recorded. The only really cool spot was a pre-taped segment with Duane Johnson where he slowly morphed back into his "The Rock" character. Even though it was pre-taped, it was absolutely "electrifying" and it felt completely natural to be "chanting The Rock's name...!" That's all for me... Source | |
| What a Difference a Year Makes | Top |
| The Associated Press reports today that jobless claims have dropped to their lowest level since January and prices of household goods stayed low last month, positive signs of stability for the economic recovery. The Dow has risen above 10,000. Here in Maine, the Maine Association of Realtors is reporting another month of increased home sales. As I recall, at this time last year, we were waking up every morning wondering what bank or financial institution was going to fail that day. It was a steady drumbeat of bad news, Lehman Bros., Fannie and Freddie, Countrywide, AIG, Wachovia and all of it wrapped up in election year rhetoric. Potential home Sellers sat in stunned disbelief as we tried to explain that they just weren't going to achieve prices similar to what their neighbors had gotten just a year before. Potential home Buyers just sat, paralyzed in fear by the cascading bad news. What a difference a year makes. As it slowly sinks in that, just like with every other economic downturn in history, this one too shall pass, the mood of people walking through our door, both Buyers and Sellers is decidedly more upbeat. Sellers have come to terms with the fact that they are not going to get for their home in 2009 what they might have in 2006. But those that are moving on know that they will make it up when they buy. Buyers, aided by low interest rates, ample choices from which to buy and in some cases government tax incentives are very happily picking up homes that they could not have gotten into 3 or even 2 years ago. Fixed rate loans have begin to inch up ever so slightly and many of the better homes have been bought, but new properties are coming on the market and priced according to the new reality as there are now comparable sales on which to base those prices. It is an excellent time to be in the real estate market right now. We couldn't say that a year ago. Jim Cosgrove Source | |
| Just Listed! Own this Ground Floor Condo Unit with A Fireplace | Top |
| C7 9623 S 248th Street, Kent, WA, 98030 Price: $115,000 Bedrooms: 2 Bathrooms: 1 Year Built: 1966 Square Feet: 892 MLS: 29144480 This Ground Floor Unit Has A Fireplace, Extra Storage Space, Energy Efficient Vinyl Windows, Two Oversized Bedrooms, A Washer & Dryer In The Unit And It Has Been Completely Replumbed. The Cabana Is Complete With A Kitchen And Exercise Room. It Overlooks A Pool And A Sports Court. This Is Not A Owned Home Or Short Sale. For more Information Visit: http://davidjedwards.com/ 37108.asp or Call 425/890/8045 http://www.flyinside.com/tour.php?id=37108 Driving Directions: From HWY 167 take 84th Ave S. exit toward N. Central Ave. Left on 84th Ave S. It becomes Central Ave. N. Left on E. Smith St/WA-516. Sharp left on 94th Ave S. Right on S. 248th St. Condo is on RIGHT. If you would like to preview this home, please contact me to arrange for a private showing. Best Regards! David J Edwards Real Estate Agent & REALTOR The David J Edwards Team Keller Williams Realty Southeast Sound Phone: 425-890-8045 Fax: 425-902-1899 E-Mail: david@davidjedwards.com Website: http://www.davidjedwards.com Blogsite: http://www.davidjedwards.com/real-estate-blog.asp Mobile Site: http://davidjedwards.mofuse.mobi Community Reports: http://www.topmarketer.net/CSR/CSReport.aspx?CV4GU5KAYOEF View This Week's Market Conditions Around Your Home: http://www.homeinsight.com/Widget/default.asp?BFBMVVHW4HZT The David J Edwards Team specializes in Residential Real Estate for buyers and sellers. Source | |
| The Answer | Top |
| Don't ask me about my journal post titles because I don't know myself. I finally got the money from my Paypal into my bank account, having actual paper money in your hand is a very nice feeling. I kind of already blew $15 on something though, feh. I keep having dreams about my grandpapa Jolitz who's 92 and not doing so well. And my dad.. I can't face him now. Not until he's sober. He will have to realize this. It's not easy for me nor him, but if he realizes that his daughter won't be in his life until he's sober, perhaps that will motivate him than anything I've tried. SO BAD NEWS, that self portrait daily thing isn't going so well. If I don't do two by today, I have three to do tomorrow. I already posted this shit on conceptart.org, amazing site. Right as I got there there's a meme about some Nibru character, the thread is simply epic. I drew this the other day, I didn't like it enough to post it anywhere though: It's my cat Pokey. She looks like a gnoll or something. Yesterday I went to FuddRuckers, best place EVER. Their chicken burger = amazing. I've had way to many hamburgers, beefwursts n cow things in my life, and it shows.. Anyway the only bad thing I would say about them is they have a bad burger to fries ratio. Their burgers are HUGE and they probably realized that people keep throwing away the fries so they put less fries in with each order. For $10 a meal I think I should have more fries, damnit. I'm a big crispy chicken sandwich fan, with lettuce and tomato and onion and honey mustard, ketchup and that spicy jalapeno cheese they have in that dispenser. Oh man was that good. I love spicy food. I love food in general. I could go on and on about food. I eat very slowly though, maybe that's a good thing I dunno. I like to savor my food unless I'm balls off the walls hungry. I want to taste the world.. not really. Mud tastes... obviously earthy. I like combining foods that's all. ANYWAY. I don't know what I'm doing tonight, after this shower, knock out some self-portraits. Source | |
| hold up | Top |
| Well ive had my first HIV/AIDS scare. And boy was it scarey. I donate blood on occassion thinking that if it wernt for someone else back when i was 7 i could be dead. so i try to do athe right thing. My friend had my mail forwarded to his house for me til i moved into my new place. and a letter from the blood bank came unopened and throughout the whole page all that stood out was the letters ---HIV---It didnt really explain much but it was a scare cause i thought i had it. I dont think I let on how actually scared I was cause like everyone it cant hapen to me. LIKE FUCKIN HELL IT CANT!!!! IT ALMOST DID!!! I spent the day with my friend T. and he was very suportive. And he was exactly the person that I needed to be around while going through this scare which lasted all day. I relize how much I so need people in my life that want me to be happy. I have so much negativity and so much stress and so much unhappyness, and not enough fun and not smiling. my life isnt fun and games or even a good life for the most part. Source | |
| "There's a lot to be optimistic about," according to one director of the Northwest Multiple Listing | Top |
| KIRKLAND, WA, October 5, 2009. "There's a lot to be optimistic about," according to one director of the Northwest Multiple Listing Service upon reviewing summary statistics for September's housing activity. The report shows a big jump in pending sales compared to a year ago (up almost 27%), continued drops in inventory (down 17.7% versus a year ago) and brisk demand for homes at the lower end of the price spectrum. Distressed properties in the system continue to be a drag on prices – median prices for last month's sales were down about 7.5% from a year ago – and brokers continue to voice frustration with slow response time by lenders bank s are taking 9.5 weeks to respond to short-sale requests, versus 4.5 weeks a year ago, according to research by Campbell Communications of Washington, D.C.) Joe Spencer, president and COO of John L. Scott Real Estate, estimates up to 10% of pending sales do not close because they're caught in the short sale cycle. Still, he comments, "There is a lot to be optimistic about." He cites interest rates that are now in the high four percents as bordering "on being epic" and the federal tax credit as stimulants to the market. Northwest MLS brokers reported 7,581 pending sales (offers made and accepted but not yet closed) during September, outgaining the same period a year ago by 1,599 transactions for a 26.7% increase. Last month's condominium sales surged, with pending sales up nearly 25% from a year ago after languishing in negative year-over-year figures for the first five months of 2009 and only modest gains over the past three months. During September, members added 10,054 new listings of single family homes and condominiums to inventory, about 7.6% fewer than a year ago. With the combination of fewer new listings and more sales, inventory at month end dipped to its lowest level since March. At month end, the selection included 40,041 properties for sale (33,332 single family homes and 6,709 condominiums). That's down 17.7% from twelve months ago. "Our market has certainly come a long way since this time last year," said Ron Sparks, managing vice president of Coldwell bank er Bain, who said demand is at its highest level in two years. "For all the challenges that remain, it would be difficult to not appreciate the reemerging market vitality that continues to build even as the summer buying season closes," he added. Activity at open houses is reported to be brisk in many areas, which MLS directors attribute to a combination of factors, including expanded use of a "Public Open House" program. This program allows buyers to search schedules of all open houses in the NWMLS system from the website of any member broker that uses the feature. Brokers also credit improved affordability, incentives and the looming deadline for the $8,000 tax credit for first-time home buyers as boosting activity. As the Nov. 30 deadline for the federal $8,000 tax credit program approaches, Spencer advises buyers to "be under contract by the third week of October, to close by Thanksgiving, and to stay away from short sales." "Because there are so many short sales and bank owned property sales, it was inevitable that prices would fall slightly," explained NWMLS director Dick Beeson, the broker/owner of Windermere Commencement Associates in Tacoma. Year-over-year prices are down nearly 7.5 percent across the 19 counties served by NWMLS, but the median sales price of $273,000 for last month's sales of single family homes and condominiums (combined) equaled the figure for January. Beeson described the price drops as "a necessary adjustment given the number of short sales and bank owned property sales in the mix. (A survey by the National Association of REALTORS indicates distressed homes accounted for 31 percent of transactions in August and July.) A comparison of year-over-year prices of closed sales by county shows wide variation for September, from a decline of almost 17 percent in Cowlitz County to an increase of nine percent in San Juan County. For the four-county Puget Sound region (King, Snohomish, Pierce and Kitsap counties), prices were down about 7.6 percent from twelve months ago. On a brighter note, Beeson said activity is brisk for lower priced homes in many areas. "Multiple offers are occurring on a regular basis and many buyers have to make two or three offers on different properties just to secure one," he reports. Sparks echoed that report, saying, "Describing much of the current market as 'lively' is probably a bit of an understatement," adding, "I've heard agents describe open houses as 'mayhem' and 'chaos." Modestly priced homes in good condition and in popular neighborhoods can certainly draw more than one offer, according to Sparks, who also noted, "This is not to say that all neighborhoods and price points are rebounding at the same pace, but there is an awful lot of economic momentum in our region, including our housing market, that can't be ignored." Emphasizing recovery comes in stages, Beeson acknowledged some "hard adjustments" are being made in higher priced homes where inventories remain high, but expects that segment to recover. He said the main focus of many agents is meeting the needs of the first-time buyers and those who have needs because of lifestyle changes due to advancing age, change in marital status, the birth of children or death of a family member. "These people always need help solving their real estate problems," he observed. Northwest Multiple Listing Service, owned by its member brokers, is the largest full-service MLS in the Northwest. Its membership includes more than 24,000 brokers and agents. The organization, based in Kirkland, currently serves 19 counties in western and central Washington. Best Regards! David J Edwards Real Estate Agent & REALTOR The David J Edwards Team Keller Williams Realty Southeast Sound Phone: 425-890-8045 Fax: 425-902-1899 E-Mail: david@davidjedwards.com Website: http://www.davidjedwards.com Blogsite: http://www.davidjedwards.com/real-estate-blog.asp Mobile Site: http://davidjedwards.mofuse.mobi Community Reports: http://www.topmarketer.net/CSR/CSReport.aspx?CV4GU5KAYOEF View This Week's Market Conditions Around Your Home: http://www.homeinsight.com/Widget/default.asp?BFBMVVHW4HZT The David J Edwards Team specializes in Residential Real Estate for buyers and sellers. Source | |
| List my home Short Sale and Buy Home Program | Top |
| Short Sell your existing home, and then Buy your next home concurrently! Get a nicer House, for Less Money, and not have to move into a Rental or Apartment ! Get a FREE No Obligation Short Sale Pre-Qualification Your Information will be held in our strictest confidence. See our PRIVACY POLICY for details Click here for Short Sale and Buy Program YES WE CAN offer you the ability to Short Sale your existing upside down home, and then simultaneously buy a similar home at today's super low values. The Short Sales ASAP group has teamed up with one of San Diego's leading mortgage lenders to offer southern California homeowners this exciting Short Sale and Buy program, utilizing the Federal Housing Authority (FHA) 4155 loan program. According to 1st American Core Logic, in Los Angeles County there are over 650,000 homeowners who have negative equity (upside down) in their home, and in San Diego & Riverside Counties, the estimates are over 300,000 property owners have no equity. For homeowners who are upside down, the are several options to choose from as follows: Do Nothing: Keep Paying current mortgage for the next 8 to 12 years until break even. Loan Modification: Maybe lower payments, but with the same high mortgage loan balance. reposts show that only 25% of Loan Mod applications are granted. Foreclosure: Stop making payments, eviction from home, ruined credit and loan worthiness, and become a renter for the next 5 to 7 years. Short Sale and Buy Plan: Short Sale existing home and thus eliminate all negative debt, and then simultaneously buy a similar replacement home at today's low property values. Short Sale and Buy. $650,000 Purchase in 2005'. Valued at $350,000 Today. $375,000 Purchase in 2009' with 3.5% Down Payment. Click here for Short Sale and Buy Program Below is a list of some of the more common qualifying Guidelines for the Short Sale and Buy plan utilizing the FHA 4155 loan program (terms and conditions are subject to change): Purchase Loan Limits are $729,750 for San Diego & Riverside Counties. Down Payment as low as 3.5% of the new Purchase Price, and Gifts are OK. No Income Limits. Competitive FHA lending interest rates. Purchase price of replacement home must be less then original Loan Balance's of house being Short Sold. Short Sale and Buy Questions and Answers. What is a Short Sale ? Simply put, a Short Sale occurs when a homes market value is less then the outstanding mortgage debt plus sales costs (sometimes called an upside down Mortgage. In order for a Short Sale to actually close, the mortgage bank 's must agree to write-off a portion of the outstanding loan debt. How does a Typical Short Sale and Buy transaction Work? For example, let's look at a typical home that has $500,000 in mortgage debt, but is now worth only $375,000 in today's market. We market and sell this home for $365,000, and we also negotiate with the bank 's to reduce their loan balances to a value a little less than that, in order to pay closing costs, back taxes and other costs. This is called a Short Sale. Simultaneously, the property Seller works with the Mortgage Lender to qualify for the Short Sale and Buy Program. Once approved, we help the property owner find and purchase a similar replacement home at today's bargain values. The replacement property must be priced less then the $500,000 that is currently owned on this example short sale property. Once everything is approved and processed, we close escrow on the short sale home, and simultaneously close on the replacement home the very next day. The past mortgage debts are eliminated and now your are living in a home that you own with positive equity. Click here for Short Sale and Buy Program Why Would a Mortgage bank Consider a Short Sale ? Lenders often entertain such an option for in the long run, they will usually receive a higher percentage of their principal back as compared to forcing the property into Foreclosure. In a Foreclosure, the Mortgage bank runs the risk of property neglect or damage, and additional delays and costs, and other market losses. Today, most California lenders won't commit to a Short Sale until their is a valid and firm purchase offer in hand from a qualified new buyer, and a knowledgeable broker/agent who can negotiate the deal. It's imperative to work with an experienced real estate broker for they will need to prepare a professional and complete Short Sale package. Why Do Mortgage bank s allow a Short Seller to Buy a Replacement Home ? The Federal Government has injected Billions of dollars of capital in the financial markets via TARP and other programs. A larger portion of these funds are earmarked for mortgage bank ing and real estate. A significant portion of these funds are being supplied to FHA programs such as the FHA 4155. Recent studies have shown that many Loan Modification programs are not working for many homeowners, and bank s and the Feds are pulling out the stops to curb the level of Foreclosures. Hence, the reason and motivation for the new Short Sell and Buy Program. How is a Short Sale Negotiated with a Mortgage bank ? Short Sales are one of the most difficult and complicated residential transactions. Compared to a normal sale, these transactions require additional paperwork, intricate negotiations with the mortgage bank er's, and careful preparation of the process and purchase offer. A Short Sale package typically includes: a purchase offer contract, buyers loan qualifications, a realistic and detailed analysis of the fair market value of the home, current local real estate market conditions, seller financial information, seller hardship letter and more. Basically, the Short Sale real estate professional must demonstrate to the mortgage bank 's that the home is upside down, the purchase offer is fair and just, and the homeowner has a financial hardship worthy of a short sale. This financial hardship can be due to job layoffs, illnesses, divorce, or even the unexpected large increase in mortgage payments due to interest rate resets. What is the Reason for the large number Short Sales in the SoCal Real Estate Market ? Today, the upside down Mortgages in California are due mostly to the risky, highly leveraged loans that were extensively used over the past 7 years to purchase homes with little or nothing down. Worse yet, many of these loans were adjustable rate loans, or negative amortization loans in which the loan balance gets higher every month. In addition, southern California home prices have decreased by as much as 35% to 45% in some areas. These factors are causing many home owners to consider a Short Sale to solve their financial crisis. The result is, there are 1,000's upon 1,000's of southern California homeowners who are upside down on their mortgage loan by then of thousands of dollars, and can no longer afford their mortgage payment. Do I need a Real Estate Professional to Conduct my Short Sale ? Although, it is theoretically possible to conduct your own Short Sale (ie: Do-It-Yourself), we strongly recommend that you do not. Here is why: 1.) Our Services effectively cost you nothing... Need I say more ?... but I will. We Negotiate our fee's with the Mortgage bank s, and we do not charge any type of up front fee's (be very wary of anyone who wants to charge an upfront fee by the way). Why should I work with County Properties? We are glad you are thinking about this question... The Association of Realtors recently conducted a statewide survey which reported that only 10% of all Short Sales actually closed escrow !!! That's terrible.. the Great News is our Short Sale closing Rate is better then 90%. How you may ask ?... Experience - Education - Tough bank Negotiations - Dogged Persistence. Our team consists of bank Negotiators, a Real Estate & Internet Marketing expert, Listing and Sales experts, and Transaction Coordinators. Our team experience goes back to the mid 1990's when southern California experienced it's last major real estate down turn. Please give is a call TODAY, so we can begin to help you TOMORROW. Call us at: (619) 301-0200 or Toll free (866) 825-8124 we are easy to talk too. We'll keep the conversation and your situation in our strict confidence. If you prefer, please feel free to contact me by clicking here Short Sale and Buy Program We'll keep the conversation and you're pending Foreclosure in strict confidence. Source | |
| Renting Versus Buying a home in southern CA | Top |
| Yes, buying real estate is a big commitment but many times not buying real estate is a bigger mistake. Let's compare the costs of renting a property in today's market versus buying the same property today. First to establish an example. My figures will work with any example, but let's use a home that would rent for $2,000 a month or would sell for $400,000 at 3% down. What would your cost per year be to buy when compared to the $24,000 you would pay in rent? Let's use very oversimplified figures: Interest: 5% on $388,000 = $19,400 Property Taxes = $ 4,000 Insurance = $ 1,000 $24,400 There are other factors to consider. For example, IRS tax relief for the deductible items above. Let's use a 25% IRS tax rate and an 8% California tax rate. Interest and property tax payments are deductible so 33% of the $23,400 would result in a tax savings of $7,722. That brings the outlay each year to $16,678. That is less than renting. Yes, there are other variables such as the interest deduction in later years will drop plus property taxes and insurance will increase, but rents will also rise. There will be expenses such as repairs to be paid by the owner but this could be offset by appreciation as real estate markets return to normal. The major point of this posting is that the tax benefits of ownership are important when budgeting for yearly housing costs, as are future appreciation plus your pride of ownership so consider buying now not later. Any questions? Call your friendly and capable real estate agent at County Properties. If you would like to get loan information from recommended bank s, or get started and view all homes, condos, investment properties, pre-foreclosures bank owned foreclosures (REO's) or thinking of selling your property, please visit our website at: County Properties San Diego or County Properties Riverside By the way…if you know of someone who would appreciate the level of service I provide, please call me with their name and business number and I'll be happy to follow up and take great care of them. Source | |
| Banks bite bullet on loan modifications | Top |
| A new report from the Office of the Comptroller of the Currency and the Office of Thrift Supervision shows that the portion of loan modifications in the second quarter that involved reducing the principal increased to 10 percent from 3.1 percent in the first quarter. While strategies such as lowering interest rates or extending mortgage terms can temporarily help borrowers struggling to make payments, reports show that often times borrowers re-default because the modifications do not lower payments to a truly affordable level. Of loans modified in the first quarter of 2009, 28 percent were in default again within three months, according to the Office of the Comptroller of the Currency. Among those modified in last year's second quarter, 56 percent were in default again a year later. , bank s are beginning to reduce mortgage principal due, in part, to prodding from the Obama administration, whose housing plan includes financial incentives for mortgage-servicing firms that modify loans. At the same time , bank s now have more flexibility to modify loans because of their success in stabilizing their balance sheets and, in some cases, raising fresh capital. At County Properties 23 years of brokerage experience and trust! We offer free counseling in real estate re; home values and information on options of selling vs Foreclosure. If you have equity in your home, we will sell your home and get top dollar in this challenging market. If you do not have enough equity, and you must sell your property as a short sale we have the expertise to do so also. Please feel free to contact me today for free counseling at our website, click. County Properties San Diego or County Properties Riverside By the way…if you know of someone who would appreciate the level of service I provide, please call me with their name and business number and I'll be happy to follow up and take great care of them. Source | |
| 2010 CA Housing Market Forecast released | Top |
| The median home price in California will rise 3.3 percent to $280,000 in 2010 compared with a projected median of $271,000 this year, according to C.A.R.'s "2010 California Housing Market Forecast," presented today at CALIFORNIA REALTOR® EXPO 2009 in San Jose. Sales for 2010 are projected to decrease 2.3 percent to 527,500 units, compared with 540,000 units (projected) in 2009. "California's housing market continued its strong sales rebound this year, resulting from the continued pace of distressed properties coming to market," said C.A.R. President James Liptak. "This follows two years of double-digit sales declines in 2006 and 2007. Looking ahead, we expect sales to moderate to a more sustainable pace." "After experiencing its sharpest decline in history, we expect the median price to rise modestly next year," Liptak added. "2010 will mark the beginning of the 'new normal' for California's housing market. This 'new normal' likely will feature a steady stream of sales driven by distressed properties in the low end of the market, coupled with moderate home-price appreciation." "With distressed properties accounting for nearly one-third of the sales in 2010, inventory will be relatively lean, under six months during the off-season months, and a roughly four-month supply during the peak season," said C.A.R. and Vice President Leslie Appleton-Young. "We expect the median price to decrease slightly through the remainder of 2009 and into next year, then rise before leveling off next summer. For the year as a whole, home prices are forecast to reach $280,000. The wild cards for 2010 include foreclosures, loan resets, the labor market, and the California budget crisis, as well as the actions of the federal government." If you would like to get loan information from recommended bank s, or get started and view all homes, condos, investment properties, pre-foreclosures bank owned foreclosures (REO's) or thinking of selling your property, please visit our website at: County Properties San Diego or County Properties Riverside County Properties San Diego or County Properties Riverside By the way…if you know of someone who would appreciate the level of service I provide, please call me with their name and business number and I'll be happy to follow up and take great care of them. Source | |
| Downtown San Diego High Rise Luxury Condo at a bargain price | Top |
| 1150 J Street # (Call me) San Diego Ca. 92101 Priced at $378,900 2 Bedrooms and 2 Baths in 1148 Sq Ft of spacious living. WOW! Downtown High Rise Luxury Condo at it's finest. Top floor with all the views of San Diego. Overlooks Petco Park!Close to Shopping, Trolly, and all of San Diego's favorite spots. Work out room in building. This Home has it all! East Village / Ball Park Complex: Metrome If you would like view this home, get loan information from recommended bank s, or get started and view all homes, condos, investment properties, pre-foreclosures bank owned foreclosures (REO's) or thinking of selling your property, please visit our website at: County Properties San Diego or County Properties Riverside Source | |
| HUD & County Properties offers a free counseling to preventing foreclosure. | Top |
| The U.S. Dept. of Housing and Urban Development (HUD) offers an online guide to preventing foreclosure. The guide provides consumers with information such as how to contact a housing counselor; when and how to talk to their lender, how to find foreclosure resources, tips on avoiding foreclosure and foreclosure scams, as well as information for consumers who cannot keep their home. The free online guide is for preventing foreclosure can be accessed by visiting http://www.hud.gov/foreclosure/ . Homeowners, worried about foreclosure? As an alternative to foreclosure, we can discuss home loan restructuring or even a short sale, if necessary. Short Sales are perfect for seller's that owe more than the home is worth. There is always a solution to foreclosure and we can explain all of your options! We will list your home for as a Short Sale which usually requires no money out of the homeowners pocket. Our team of friendly and experienced short sale professionals will price and market your home to sell quickly, in cooperation with your lender, on your terms in less than 30 days. You'll never have to talk to your lender because we'll handle all negotiations. You can start fresh debt free, without bank ruptcy, and avoid the embarrassment of a " bank Owned" foreclosure sale sign on your property in San Diego & Riverside Counties and surrounding areas. You pay nothing! All costs and fees related to the transaction are paid from the proceeds of the sale. You won't have to make any repairs, do any termite or pay closing costs. Even our commission is paid out of the proceeds and approved by the lender. We'll keep the conversation and your pending foreclosure in strict confidence. Please feel free to contact us today for a free consultation. * Subject to lender guidelines and changes. Request A Free Consultation Today! County Properties 23 years of brokerage experience and trust! We offer free counseling in real estate re; home values and information on options of selling vs Foreclosure. If you have equity in your home, we will sell your home and get top dollar in this challenging market. If you do not have enough equity, and you must sell your property as a short sale we have the expertise to do so also. Please feel free to contact me today for free counseling at our website, click. County Properties San Diego or County Properties Riverside Source | |
| Seeking real estate bargains in Southern CA? Try looking at the high end luxury homes | Top |
| Buyers hoping to purchase deeply discounted homes may want to consider purchasing homes in the high end—especially those priced $2 million or more. In some cases, buyers may be able to command even lower prices on these homes, as financing continues to be a challenge for buyers of luxury homes. · While data from the Federal Housing Finance Agency (FHFA) showed that average home prices rose 0.3 percent nationwide between June and July, including a 1.6 percent increase on the west coast, the data only relate to homes purchased with conforming loans guaranteed by the FHFA. These loans are mortgages of up to $417,000 or up to $713,000 in the country's most expensive regions. The outlook for homes priced above that amount remains bleak. · In many areas across the country there is a new level of value being established. According to one broker, homes that used to sell for $8 million now are selling for $6 million, while homes previously priced in the $10 millions are selling for $8 million. The price adjustment in the high end appears to be about 20- to 30 percent lower. · A recent survey by Trulia.com showed that sellers listing homes for more than $2 million have reduced their asking prices by a total of $7 billion, with an average price reduction of 14 percent. · Chip Case, economics professor at Wellesley College and coauthor of the Case-Shiller index, says that some of the markets finally may be catching up to the wider housing market downturn. "That level was more in the hold-out category," he says. "Up until recently, the foreclosures weren't hitting that level. But they are now. There's no question about that. You're seeing some contagion from the prime level to the luxury end." · Sooner or later, even high-end homeowners need to sell. And, when they get tired of waiting, they reduce their asking prices. Factoring in taxes, upkeep and the opportunity cost of keeping money in a non-performing asset, an empty luxury home may be costing owners a lot just by sitting there, giving them a powerful incentive to make a deal. If you would like to get loan (including jumbo loans) information from recommended bank s, or get started and view all types of luxury homes, condos, investment properties, pre-foreclosures bank owned foreclosures (REO's) or thinking of selling your property, please visit List #4 Luxury Homes on our website at: County Properties San Diego or County Properties Riverside Source | |
| Northwest MLS brokers report brisk activity, multiple offers, "irrational delays" by lenders | Top |
| KIRKLAND, WA, September 4, 2009 –Pending sales around Western Washington during August jumped nearly 21 percent from a year ago and inventory dropped more than 18 percent, according to new figures from Northwest Multiple Listing Service. MLS member-brokers say those indicators, along with signs of stabilizing prices, set the stage for brisk activity in the next few months as first-time buyers try to take advantage of the Nov. 30 deadline for tax credits. "The typical August cool down in the market did not happen this year," observed NWMLS director Kathy Estey, managing broker at John L. Scott's office in downtown Bellevue. She said agents are busy with both first-time and move-up buyers and they're reporting multiple offers on homes priced up to $700,000. Brokers reported 7,539 pending sales (offers made and accepted but not yet closed) for August, up 20.7 percent from a year ago. That volume outgained July's total by 260 transactions. In the four-county Puget Sound region, pending sales of single family homes and condominiums (combined) surged 25.7 percent from a year ago. Within King County, pending sales activity improved 25.1 percent from a year ago, and was especially robust in the North King County area (up 38.7 percent) and on the Eastside (up nearly 36 percent). Excluding condos, two sub-areas of King County notched gains of more than 40 percent for pending sales of single family homes – Southeast King County (up 40.4 percent) and the Eastside (up 42.5 percent). On the downside, Estey said many transactions are missing their closing date "for seemingly irrational reasons." Last minute demands from lenders are common and final underwriting reviews are causing delays, she noted, adding, "Inexperienced appraisers are gumming up the works as well." She urges first-time buyers who want to capture the $8,000 tax credit to plan ahead and allow for delays. Another MLS director, Dick Beeson, the broker/owner of Windermere Commencement Associates in Tacoma, said stabilizing prices "bode well for the near term." For the 19 counties in the Northwest MLS service area, the median price for single family homes and condominiums that sold and closed last month was $$275,945, down about 8.8 percent from the year ago sales price of $302,500. Since January, however, prices area-wide have edged up about 1.1 percent, with seven of the 19 counties notching increases. Prices for single family homes (excluding condos) that sold throughout the NWMLS area are up about 3.3 percent since January, although down about 9.2 percent from twelve months ago. In the four-county Puget Sound region, the median sales price for single family homes that closed last month was $310,000, down about 11.4 percent from twelve months ago, but back up to match January's figure of $310,000. Condo prices remain depressed. For last month's completed transactions, the median sales price was $235,000 off 5 percent from the year ago figure of $247,500. Compared to January's sales, condo prices have dropped about 6 percent J. Lennox Scott, chairman and CEO of John L. Scott Real Estate, expects strong activity in the coming months. "It's exciting to see that home sales continue to be brisk in the more affordable and mid price ranges," he remarked. "I anticipate that September will see a surge of sales activity because of the tax credit's impending deadline which, when combined with historically low interest rates and increased affordability, provides a rare opportunity for first time homebuyers," Scott stated. Current house-hunters have fewer listings to consider than a year ago: 41,528 active listings at the end of August compared to 50,772 for same month a year ago, a decline of 18.2 percent. Prices on current offerings, which include single family homes and condominiums, range from $13,000 to $32 million. Northwest MLS members added 10,132 new listings to inventory during August, nearly 1,300 fewer than twelve months ago. Inventory shrunk in 16 of the 19 NWMLS counties, with twelve counties reporting double-digit drops. Lower listing inventory is one of the building blocks of a housing recovery, according to Ron Sparks, managing vice president of Coldwell bank er Bain. "With fewer homes for sale, better affordability and buyer incentives like the $8,000 first-time buyer tax credit, we are seeing supply and demand become much more balanced in many areas, and this will help support more stable prices," he explained. Sparks also commented on the momentum reflected in last month's activity. "It's very good to see that the number of pending sales is still rising in most areas, especially when we might typically expect a seasonal slowdown in demand." He called the nearly 21 percent overall improvement in last month's pending sales "particularly impressive." Open house traffic has been steady with high interest among first-time buyers being the driver, reports NWMLS director Beeson. Despite high interest, he said many potential buyers are still confused about how the tax credit program works. On a cautionary note, Beeson expects a new round of bank owned properties to come on the market later this year and into next year. "This inventory will have to be absorbed over time and no one knows for sure just how this will influence prices," he acknowledged, adding, "The best guess is it will be negative, although we have experienced many foreclosures already on the market. . .with no appreciable drop in prices since the beginning of the year." Summing up last month's activity, Sparks of CBB, said, "A healthy, balanced market is in everyone's best interest, and the August report tells us we're definitely getting closer." Northwest Multiple Listing Service, owned by its member brokers, is the largest full-service MLS in the Northwest. Its membership includes more than 24,000 brokers and agents. The organization, based in Kirkland, currently serves 19 counties in western and central Washington. Best Regards! David J Edwards Real Estate Agent & REALTOR The David J Edwards Team Keller Williams Realty Southeast Sound Phone: 425-890-8045 Fax: 425-902-1899 E-Mail: david@davidjedwards.com Website: http://www.davidjedwards.com Blogsite: http://www.davidjedwards.com/real-estate-blog.asp Mobile Site: http://davidjedwards.mofuse.mobi Community Reports: http://www.topmarketer.net/CSR/CSReport.aspx?CV4GU5KAYOEF View This Week's Market Conditions Around Your Home: http://www.homeinsight.com/Widget/default.asp?BFBMVVHW4HZT The David J Edwards Team specializes in Residential Real Estate for buyers and sellers. Source | |
| Just Listed! Owner Will Finance! 3 Bedroom Home in North Tacoma | Top |
| 5136 North Seaview Street, Tacoma WA 98407 Price: $219,000 Square Feet: 1,008 Lot Size: 5,000 Square Feet MLS: 29122527 This home is move-in ready and features three bedrooms, one bathroom, a large kitchen with an eating space, a dining room, a fireplace and a one car garage. There is a large private backyard complete with a patio and perimeter fence. Skip the bank ! The owner will finance your purchase or enter into a lease agreement with an option to buy. Call the listing agent to discuss the terms. For More Information Visit: http://www.davidjedwards.com/36152.asp Virtual Tour: http://www.flyinside.com/tour.php?id=36152 Driving Directions: From WA-16 West, Take Exit 3. Stay straight to go onto Bantz Blvd. Turn Right onto North Pearl. Turn Right onto North 46th Street. Turn Left onto North Baltimore Street. Turn Right onto North Seaview. If you would like to preview this home, please contact me to arrange for a private showing. Best Regards! David J Edwards Real Estate Agent & REALTOR The David J Edwards Team Keller Williams Realty Southeast Sound Phone: 425-890-8045 Fax: 425-902-1899 E-Mail: david@davidjedwards.com Website: http://www.davidjedwards.com Blogsite: http://www.davidjedwards.com/real-estate-blog.asp Mobile Site: http://davidjedwards.mofuse.mobi Community Reports: http://www.topmarketer.net/CSR/CSReport.aspx?CV4GU5KAYOEF View This Week's Market Conditions Around Your Home: http://www.homeinsight.com/Widget/default.asp?BFBMVVHW4HZT The David J Edwards Team specializes in Residential Real Estate for buyers and sellers. Source | |
| Northwest MLS brokers say housing market is recovering, but still "spongy" | Top |
| KIRKLAND, WA, August 6, 2009 – Most numbers are "moving in the right direction," close-in Seattle neighborhoods are definitely coming to life and move-up buyers are re-entering the market were among observations by brokers when asked to comment on the latest activity report from Northwest Multiple Listing Service. The report shows July's pending sales increased from a year ago, as did closed sales, and inventory continues to shrink. Prices on sales that closed during July still lagged figures of a year-ago (down about 10 percent area-wide) and NWMLS members said last month's record-setting temperatures "absolutely impacted showings and sales." July's unseasonably hot weather curtailed activity for several showings and open houses, as brokers and agents said buyers and sellers postponed tours, saying it was just too hot. "The hot July weather aside, the variable results we saw in July reflect what we'd typically expect from a recovering housing market – a few steps forward for some areas, a step back in others," said Ron G. Sparks, managing vice president of Coldwell er Bain. Whereas comparisons to a year ago reflect some substantial gains, on a month to month basis we're probably going to experience some "spongy" results for a while, he explained. For example, brokers reported 7,279 pending sales (mutual acceptance of a purchase and sale agreement) last month, up from the year-ago total of 6,350 sales for a 14.6 percent gain. Compared with June, the volume slipped about 5.9 percent, dropping from 7,733 to 7,279 transactions. In the four-county Puget Sound region (King, Kitsap, Pierce, and Snohomish), July's pending sales of single family homes and condominiums jumped 21.2 percent from twelve months ago, but dipped 6.9 percent from the previous month. Nonetheless, last month's 5,551 pending sales for the region marked the second-highest monthly total since August 2007. Pending sales of condos (excluding single family homes) rose nearly 12.5 percent last month from a year ago. That continued June's modest gain of 1.3 percent, when 22 months of negative year-over-year comparisons ended. Last month's increase was the first double-digit gain since February 2007. "I'm excited to see the continued increase of pending sales because these figures are the lead predictor of buyer behavior," said J. Lennox Scott, chairman and CEO of John L. Scott Real Estate. "The rise of pending sales over the past few months is the best indication we have of what's to come and I am encouraged by what we're seeing," he added. Brokers say first-time buyers who are motivated by a looming deadline for the tax credit are propelling activity. "There seems to finally be a feeling of urgency to take advantage of this program before it goes away," remarked NWMLS director Meribeth Hutchings, broker/owner of Windermere Real Estate/ Lake Stevens. In an effort to keep agents and their clients focused on the time remaining for the $8,000 tax credit opportunity, Sparks said his company has a clock prominently displayed on its internal website that ticks down the days, minutes and seconds until the midnight deadline on Nov. 30. He also commented on the secondary benefits of the credit. "My daughter just closed on her first home, and she intends on using the tax credit for household items she'll need as a new homeowner. She's excited to buy her first lawn mower…good for her, good for housing, and good for the economy," he stated. Commenting on the tax credit, NWMLS director Dick Beeson said first time homebuyers are "getting it. All they talk about is the $8,000 tax credit and how good interest rates are." Beeson, the broker/owner of Windermere Commencement Associates in Tacoma, said with the exception of prices, the numbers are all moving in the right direction. "Inventory is adjusting down, even though it is summer, pending sales are moving up, and even more importantly, closed sales are above last year." Those numbers are a sign of a "modest, modest recovery," according to the 30-year veteran of the real estate profession. NWMLS members added 11,481 new listings to inventory during July, 1,612 fewer than during the same month a year ago. At month end, there were 42,310 active listings of single family homes and condominiums in the MLS database, down 18 percent from a year ago. Twelve of the 19 counties in the MLS reported double-digit shrinkage in inventory. MLS brokers reported a system-wide total of 5,527 closed sales for the month of July, an increase of 256 transactions from a year ago for a 4.9 percent gain. The median selling price for those closings was $279,000, down 10 percent from the year-ago price of $310,000. Among the 19 counties served by NWMLS, the price changes from a year ago ranged from a 25.1 percent increase in Okanogan County to a 17.8 percent decline in Cowlitz County. For the four-county Puget Sound region, the median selling price for last month's completed sales of single family homes (excluding condos) was $314,000, about 13.5 percent less than the year-ago price of $363,000. "After almost two years of relative calm, the close-in Seattle neighborhoods have definitely come to life in a major way," remarked Mike Skahen, owner/broker at Lake & Co. Real Estate, Inc., in Seattle and a member of the NWMLS board of directors. He described open house traffic as "very strong" with a typical home drawing 20 to 50 buyers. Multiple offers are once again becoming common on well-priced quality listings, according to Skahen. Although noticeable during the past few months for homes priced under $450,000, he said there are now instances of competition at higher price ranges. A recent listing of a Wallingford bungalow priced at $550,000 drew eight offers, which Skahen said is a "good indication the trade up buyers have finally decided that prices have bottomed out, so after waiting too long they are now competing for fewer listings." Skahen also said the tax credit has created such strong demand for starter homes that those sellers now realize they actually gain more by trading up in this market because they save more on their trade-up home and there is good demand for the home they're selling. Skahen also said the tax credit has created such strong demand for starter homes that those sellers now realize they actually gain more by trading up in this market because they save more on their trade-up home and there is good demand for the home they're selling. On a cautionary note, Skahen said there is very likely to be a shortage of homes and townhouses in some Seattle neighborhoods by next year. "New construction has almost ground to a halt because builders can't get prices that even cover construction costs," he reported. Hutchings, whose office is in Snohomish County, said they're also seeing move up buyers re-entering the market. "They understand even if their current home has lost value, their new home will also offer them a greater savings. That, along with low interest rates, make it a great time to buy up," she emphasized. Beeson said the transition from a buyers' market to a sellers' market is occurring in, "of all places," the foreclosure market s are pricing many homes slightly under market value and watching multiple offers come in, bidding up the price. What a change that is," he exclaimed, while noting he hopes the next wave of foreclosure homes coming on the market later this year will finally flush out the remaining inventory and "we'll get back to a more normal market." Northwest Multiple Listing Service, owned by its member brokers, is the largest full-service MLS in the Northwest. Its membership includes approximately 27,000 brokers and agents. The organization, based in Kirkland, currently serves 19 counties in western and central Washington. Best Regards! David J Edwards Real Estate Agent & REALTOR The David J Edwards Team Keller Williams Realty Southeast Sound Phone: 425-890-8045 Fax: 425-902-1899 E-Mail: david@davidjedwards.com Website: http://www.davidjedwards.com Blogsite: http://www.davidjedwards.com/real-estate-blog.asp Mobile Site: http://davidjedwards.mofuse.mobi Community Reports: http://www.topmarketer.net/CSR/CSReport.aspx?CV4GU5KAYOEF View This Week's Market Conditions Around Your Home: http://www.homeinsight.com/Widget/default.asp?BFBMVVHW4HZT The David J Edwards Team specializes in Residential Real Estate for buyers and sellers. Source | |
| Tips for Sellers | Top |
| Home Sellers, follow these simple tips for a quicker more profitable sale on your home. 1. Hire a Good Broker . I should probably make this Hire a great Broker. Hire a professional who knows your town or area and has a track record of success there. I am constantly amazed at how often people make the decision on who is going to handle the sale of what is usually their largest single financial asset based on who one of their friends know or feel they have to use their 2nd cousin who also has 3 other jobs. Hire a full time real estate professional who has a verifiable track record and can provide you with references from many very satisfied past clients. 2. Clean Out the Junk . You are going to have to clean it all out when you move anyway so why not do it now? It will create a good first impression and make your home look more spacious. 3. Spruce Up Your Home . Cracked or peeling paint? fix it. Missing boards in the front porch? Replace them. All those little repairs you spouse has been after you to make these last few years? No more procrastinating, they need to be done NOW. Remember your mother telling you on the first day of school every year that you only get one chance to make a good first impression on your teacher? Well same holds true for your Buyer. Spruce it up and make a good first impression. 4. Know What Your Home is Worth . You need to know the fair market value of your home. It is not what the town assessor says. It is not what your neighbor says. It is not what your hairdresser says. See #1 above and ask your Great Broker to do a thorough market analysis and then go over that carefully. Be honest with yourself. Remember, you are entitled to Fair Market Value. Nothing more and nothing less. 5. Price Your Home Properly . Again, see #1 above and listen to your Great Brokers advice on pricing your property. Keep Fair Market Value in mind. You cannot expect to get more than that no matter how much you think you need. The market doesn't care how much you need. The market doesn't care how much your neighbor got at the height of the boom. Listen to your Brokers advice and price your home properly. 6. Know Your Objective . Are you trying to achieve a certain price (Fair Market Value) or do you want to sell quickly to take advantage of lower prices someplace else? Or to settle debts with high interest rates that are destroying your net worth? Or whatever. But know what it is you want to accomplish with the sale of your home. 7. Know Your Costs . Know exactly what it is going to cost to sell your home. Ask your Broker for a Net Sheet so that there are no surprises at Closing. Attorney's fee's , bank payoffs, state and local taxes etc. 8. Stage Your Home . This is different than fixing up the problems. Staging is really decorating your home so that it shows it off to full advantage. There are professionals in this discipline who can help you for a fee but you can also get a lot of good advice from your broker and the firm they work for. Email me and i'll be glad to send you free of charge the Newcastle Square Realty "Market Preparation Guide". 9. Make Your Home Accessible . Be ready and willing to have your home shown to perspective buyers on short notice. Making your home difficult to see makes it difficult to sell. You WANT exposure, you WANT people to know your home is on the market. You WANT people to drive by your home and then you WANT them to come see your home. Make sure your broker will commit to a speedy insertion into MLS and will fully cooperate with other brokers in arranging showings. Too many brokers drag their feet getting back to other brokers because they hope to sell their own listings. This may be good for them but not for you. My best advice, the advice that I give to family members living in other parts of the country is, find the broker you are most comfortable with from the most successful brokerage firm in your area, take their advice and you will have the best chance of getting your home sold in the shortest possible amount of time for the highest possible price. Jim Cosgrove Source | |
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The latest from Полнотекстовые фиды для блогофермеров
| Keep on rolling. | Top |
| Hm. I bought a bow saw today. Predominantly because I initially read it as ‘bone saw’, and thought, that might be useful. It’s quite pretty, and yellow. But now, since it isn’t a bone saw after all, I’ll have to find another use for it. I’m sure saws have other uses… like… eh… cutting branches… and stuff. Been super tired since the weekend. I think I have yuppie flu. I took my vitamin B and Red bull and my neurofin and everything. And I’m still sleepy. I even went to bed at ten pee em last night. Not sure what’s wrong with me. Probably because I’m so old now. Old and creaky. Can’t even say I had a hectic training session last night. Had to teach a noob how to jab and cross and avoid getting stabbed in the gut. Exciting stuff, nudge me if I start drooling. -yawn- God it’s a long time until pay day. Paid off my burgeoning credit card. And then I had to pay eighteen hundred ront for my overdue Dstv account. Multichoice was sending me overtly threating lawyers letters. Ha ha. And then the new and incredibly expensive Mr. Pointy. My bank balance is already looking a little woozy. Need to cut back on the liquor and prostitutes this month. And possibly buy less shares. Which makes me inherently sad, but if you want to waste your money frivolous things, this is what needs to happen. The thing about Dstv, they reconnect you, and you assume the Homer Simpson position infront of your sofa, and about twenty minutes later you realize you’ve been duped. Conned as it where. There’s nothing on. And so you set your PVR to record Busty Co-eds on Etv and then switch to the audio bouquet with a gloomy sense of resignation. I wish I had the zen just to cancel my subscription. But I don’t. Every so often I enjoy coming home late, grabbing a beer and watching the Sea Shepard attack Japanese whaling ships with acid. I never played The Witcher when it came out. Apparently I've missed out massively. Plan on getting it tonight or tomorrow night. Haven't gotten my RPG on in quite some time :-) Source | |
| Economic Heights in Haiku | Top |
| K-2, G-20— Letters have their own summits. What heights will this fill? The leaders of the Group 20 nations and economies recently met and aspired to new economic heights in Pittsburg. Meanwhile, the folks at foreclosure ground zero call every day and still can't get through to Countrywide bank of America. Angele Ellis wrote her frustration in a haiku and stuck it on a marquee visible for the leaders of the world's biggest economies. She sums up what's wrong in just 17 syllables. Forget the MTV generation, haiku has been catering to short attention spans for 300 years. It's a form of Japanese poetry that challenges the author to write inside the lines: five syllables, then seven syllables, then five in this three-line single stanza. The finance ministers and central bank governors of the Group Twenty meeting were not limited to seventeen syllables in their speeches. These 20 represent 12 letters of the alphabet in country names, and 85% of the global gross national product. They have bank regulations to consider: 1. More capital on hand 2. Incentives to reduce risk 3. Save more, spend less The common sense of these regulations resembles the basis of the National bank Act of 1863, the Federal Reserve Act of 1913, and the bank ing Act of 1933. In the ever-increasing global nature of economy, the future is not the past and hindsight doesn't necessarily apply… However, those who Cannot learn from history are Doomed to regret it. Source | |
| Fed Up | Top |
| The Federal Reserve Chairperson has got to be the ultimate anthropologist. He or she has to observe human behavior over a myriad of events—acts of God, terrorism, natural disaster, and neutral distastes—and predict behavior into an increasingly global economy. The past two living chairmen and current chairman have held significant roles regardless of the discrepancy in number of years at the position. The Federal Reserve has the reputation as the Fourth Branch of Government in the United States with a divine flare of mystery. Ben Bernanke's only served a few years but everybody knows he's as American as road rage. He came on board just as the housing bubble burst and has preached transparency every since. Paul Volker served only eight years into the late Eighties and he's got a position today as chairman of the President's Economic Recovery Advisory Board, advocating bank s' retreat from risk, the risk that's lead to the Uncle Sam's Club of mortgage lending. Then there's Alan Greenspan who lead quite the green span over four presidents, some with double terms. While his adventures in the new world of global economy are uninhibited in reaching for sweeping hypotheses according to him, the fall of the Berlin Wall and the dissolution of the Soviet Union surprised him. Then came the 9/11 Attack and he was astonished at how quickly ramifications were absorbed into the world economy. Perhaps over 19 years he was lulled into complacency as the housing market blistered, then left everybody wondering if Bernanke is over-reaching or under-checking. That's the height of the Fed. At the other end, you've got Lee Farkas of Taylor Bean Whitaker, a man who publically bawled out colleagues so often he became his own verb: to be "Farkassed." Bet there was a lot of Farkassing just before the Federal raid in August. He's got global headquarters empty in Ocala—a lovely building featuring a stained-glass ceiling with a bull and bear depiction, plus an in-house chef serving roast ostrich to senior executives. Thus Taylor Bean was fed up pretty good and now prosperous as the dodo. Source | |
| Loot | Top |
| Sir Leonard Woolley got married in the midst of his archaeological excavations at Ur. The dig was significant, Ur being the Mesopotamian birthplace of Biblical progenitor, Abraham. Unlike the Egyptian pyramids, the royal tomb of Queen Puabi yielded vast treasures of gold, silver and lapis lazuli. By the law of economics, you can't help but wonder if Katharine Woolley didn't marry Sir Leonard for the loot, kind of like how Wall Street got involved with the housing market. Supply and demand, demand and supply—the economy was getting fat in early 2000 A.D. with an increasing appetite, so much so that even subprime mortgages looked good. Demand for risk began to rise. There was a huge, untapped market share and lenders like Countrywide and Taylor Bean went into competition with each other to swallow up as much as they could to resell to Wall Street investors. But these were not golden headdresses or bracelets and earrings weighted with silver and lapis lazuli. The lack of value in these securitized packages toppled the integrity of the lenders. Katharine Woolley drove everybody nuts at Ur. She was overbearing and the workers feared her. Her attitude vacillated between queen and priestess. Unwittingly, however, she managed to do a good turn when she ordered her husband's assistant to escort a visitor. The visitor was Agatha Christie, who fell in love with the archaeology and with the assistant. They were married and she accompanied him on many future digs. The treasures of the mortgage crisis may not be as grand as Queen Puabi's tomb, but perhaps there is some good that can come of this, at least as a warning to future Wall Street greed and bank ing judgment. Source | |
| Launchpad McQuack | Top |
| You know what would make Amy Winehouse better? If she sang all her songs with a paper bag over her head. I realize it would have to be pretty big paper bag, but still, it would just improve the whole experience ten-fold. Musically I don’t mind her. It’s just having to look at her that makes me queasy. Maybe it’s the lingering effects of the food poisoning though. Can’t believe how that stuffed me. I’ve been in this weird twilight zone since Sunday. I’m quite surprised that it’s suddenly Thursday already. I’ve been sleeping quite a lot. And watching a lot of daytime television. Fucken hell, I saw a sixty year old BA Baracus doing infomercials. It was horrible. My childhood hero’s selling cookware. It makes me sad. I pity the fool. At least when I ate the bad oysters I knew that one oyster was bad. And I knew the pain was coming. That salmon was totally devious. Especially since I’d had salmon the day before. Too much of a good thing Joey. It’s not an experience I want to commit to again anytime soon. Things that cannot be killed with Red Bull… need to be taken seriously. Amy Winehouse shouldn’t be allowed to speak between songs either. A vow never to express an opinion and a paper bag. This would make her infinitely more marketable to my generation in my opinion. And I am prime sample of my generation. Generation X. Disenfranchised and fucked off. Hm. You learn a lot about your friends when you’re sick though. Who makes the effort to make sure you’re not dead and who doesn’t. It’s an interesting experiment in sociology. I recommend everyone try it. Ha ha. It took me a while to figure out how to defriend people on Facebook again. Haven’t done it in a while. Although a cull of the deadwood is long over due. -yawn- Sleepy. I have that fluey body ache and a freaking four day old headache that’s getting a bit tiresome now. Vaguely I wonder if it’s the anti-biotics or Red Bull withdrawal. Hm. Only one way to figure it out. –eyes Red Bull- If this makes it go away… then its withdrawal. –slurp- You know you’ve been watching too much Bloomberg when you can recite bits of Ben Benanke’s testimony by heart. I attempted to waste my time constructively this week. I figure if I absorb enough lingo it might somehow translate into some kind of fiscal growth in my bank account. So far nothing seems to happening. But we remain hopeful. Anyways. Back to the grind. Source | |
| Keeping it together. | Top |
| Dear diary. Today I thought I had a hernia. But I don’t. The nice lady doctor took matters in hand and made me cough for her. Ha ha. Then I had an HIV test. Amongst other things. Because I’m feeling responsible. Apparently if you donate blood (which I do) they won’t tell you anymore if your blood isn’t good. It’s supposedly not ethical to phone someone up and say, ‘listen, please don’t come down to the blood bank again, seriously’. So they just throw your blood in the incinerator. Hm. Which I thought was a little rubbish. But hey. So I’m relatively buoyed. Mostly about the not having the hernia thing. It’s not a very cool affliction. THIS IS WHAT HAPPENS WHEN YOU SELF DIGANOSE USING WIKIPEDIA and watch too much House. And do silly things Mondays and Wednesdays where you potentially injure yourself for life. Seriously, I may be getting too old for this full contact shit. I need to take up gentler pursuits. Like Lan gaming. At least there you only have to worry about carpal tunnel syndrome and the occasional frothy epileptic attack. Those seem like much more reasonable dangers to face. Day three and still not a Red bull in sight. Unless you count the empties from previous episodes. I keep them around as a memento of sorts. A shrine to the good times. –wipes tear- Sorry, I always get emotional at this part. Feeling less headachy now. Totally less clever too. –sigh- I think I’m over the badness. But let’s see how it goes. Hm. Think the weekend will be quite good. Looking forward to it. Source | |
| Beam me up Mr Scott. | Top |
| Sometimes you have a moment. A profound moment of incredible insight where everything slows and becomes transparent in its absolute clarity. I had a moment such as this. When the Enterprise pops out of warp and shoots all those torpedoes, just as Spock is on a collision course with the Romulans. I felt moved. Seriously. And it suddenly dawned on me, that I have to name my first child, Tiberius. I’m not sure how I’m going to tell Sarah this exactly. I was thinking of going with a Facebook status update. ‘Jo apologizes, but needs to call his first born Tiberius, what’s for dinner’. Maybe with flowers. Or shoes! Girls are much more pliable to great ideas after just having received shoes. Size six. I think Spock would agree with me that this course of action is entirely logical. Oh my god I love the new Star Trek btw. It gets me totally moist and sticky. Happiness is. Had a great superdooper weekend. Laike really really. Skalds sing songs about weekends like these. I’m not sure I’m going to gush on and on about it though. Sufficed to say it was really quite great. Jozi food market. I totally recommend it. Parkhurst, Saturday mornings. Soo yummy. You get to try stuff at every stall. And despite yourself, ending buying stuff. Bought this awesome liver pate with port and cranberries. Totally delicious. You get to taste something at every stall, go hungry or not, depending on how much money you want to spend I suppose. But it’s all brilliantly tasty. Went to Nice Café before for breakfast. That’s also really… well… nice. Ha ha. Their breakfasts are way cool and really… nice. Different sort of vibe from the usual. Also in Parkhurst. Gets two thumbs up, ftw. I could totally live in that area. It’s divine. Pretty central. Rose bank is close, Melville is close, Cresta is not too far away. Sandton is still achievable in fifteen minutes. Hm. Maybe one day when I’m big. Hm. My cousin lives in Parkhurst. And she’s never been to the Jozi food market. Awful behavior. Don't you find that South Africans as a rule are creatures of habit and avoid trying new things? They pilgrimage to the same Durban beach front hotel every season, go to the same restaurants, visit the same shops. We live in a highly ritualized society. Although I think it’s a human trait as opposed to something typically South African. What makes it typically South African is that we scan the area around every traffic light (sorry, robot) taking note of any suspicious characters while achieving our habits. Not so sure other citizens of the world are quite a vigilant about their intersections as we are. Busy-ish day today. Blah. Its too cold. Source | |
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