Real Estate Loan

Fremont Investment and Loan - Competitive lender of Commercial Real Estate Loans Commercial Real Estate Lending Loan Programs Key Elements of Service Recent Closings Loan Origination Offices Home A Fremont General Company Commercial Real Estate Lending The Commercial Real Estate Division provides financing on all types of income producing properties, originating loans nationwide through its nine regional offices . The loans we provide include short-term bridge financing for the comprehensive renovation, repositioning and lease-up of existing properties or new construction, as well as more traditional permanent loans . Secondary financing behind a Fremont first mortgage is also offered on qualified projects. As a portfolio lender, Fremont offers a creative and flexible approach to lending, delivered by real estate professionals dedicated to responsive, reliable service . The expertise of our originators and a thorough due diligence process allows us to underwrite even the most complex and difficult to finance properties. Our customers are typically mid-size developers and owners, seeking financing for projects with a total capitalization of $10 million and up. We are a collateral focused lender, and recourse is typically limited to standard carve-out, or completion and debt service guarantees on speculative development projects. Fremont's expertise in structured lending and the flexibility afforded by being a portfolio lender has allowed us to become one of the top lenders in our niche. Click on Recent Closings to see examples of our most recent transactions. Products and Services Privacy Policy Site Map Contact Us Vertical Line Is Here End Vertical Line --

home equity loan or

FRB: Putting Your Home on the Loan Line Is Risky Business ESPAÑOL Are you in need of cash? Do you want to consolidate your debts? Are you receiving home equity loan or refinancing offers that seem too good to be true? Does your home need repairs that contractors tell you can be easily financed? If you are a homeowner who needs money to pay bills or for home repairs, you may think a home equity loan is the answer. But not all loans and lenders are the same--you should shop around. The cost of doing business with high-cost lenders can be excessive and, sometimes, downright abusive. For example, certain lenders--often called "predatory lenders"--target homeowners who have low incomes or credit problems or who are elderly by deceiving them about loan terms or giving them loans they cannot afford to repay. Borrowing from an unscrupulous lender, especially one who offers you a high-cost loan using your home as security, is risky business. You could lose your home and your money. Before you sign on the line, Think about your options Do your homework Think twice before you sign Know that you have rights under the law Think about Your Options If you’re having money problems, consider these options before you put your home on the loan line. Talk with your creditors or with representatives of non-profit or other reputable credit or budget counseling organizations to work out a plan that reduces your bill payments to a more manageable level. Contact your local social service agency, community or religious groups, and local or state housing agencies. They may have programs that help consumers, including the elderly and those with disabilities, with energy bills, home repairs, or other emergency needs. Contact a local housing counseling agency to discuss your needs. Call the U.S. Department of Housing and Urban Development toll-free at 800-569-4287 or visit www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm to find a center near you. Talk with someone other than the lender or broker offering the loan who is knowledgeable and you trust before making any decisions. Remember, if you decide to get a home equity loan and can’t make the payments, the lender could foreclose and you would lose your home. If you decide a loan is right for you, talk with several lenders, including at least one bank, savings and loan, or credit union in your community. Their loans may cost less than loans from finance companies. And don’t assume that if you’re on a fixed income or have credit problems, you won’t qualify for a loan from a bank, savings and loan, or credit union--they may have the loan you want! Do Your Homework Contact several lenders--and be very careful about dealing with a lender who just appears at your door, calls you, or sends you mail. Ask friends and family for recommendations of lenders. Talk with banks, savings and loans, credit unions, and other lenders. If you choose to use a mortgage broker, remember they arrange loans but most do not lend directly. Compare their offers with those of other direct lenders. Be wary of home repair contractors that offer to arrange financing. You should still talk with other lenders to make sure you get the best deal. You may want to have the loan proceeds sent directly to you, not the contractor. Comparison shop. Comparing loan plans can help you get a better deal. Whether you begin your shopping by reading ads in your local newspapers, searching on the Internet, or looking in the phone book, ask lenders to explain the best loan plans they have for you. Beware of loan terms and conditions that may mean higher costs for you. Get answers to these questions and use the worksheet to compare loan plans: Interest Rate and Payments What are the monthly payments? Ask yourself if you can afford them. What is the annual percentage rate (APR) on the loan? The APR is the cost of credit, expressed as a yearly rate. You can use the APR to compare one loan with another. Will the interest rate change during the life of the loan? If so, when, how often, and by how much? Term of Loan How many years will you have to repay the loan? Is this a loan or a line of credit? A loan is for a fixed amount of money for a specific period of time; a line of credit is an amount of money you can draw as you need it. Is there a balloon payment--a large single payment at the end of the loan term after a series of low monthly payments? When the balloon payment is due, you must pay the entire amount. Points and Fees What will you have to pay in points and fees? One point equals 1 percent of the loan amount (1 point on a $10,000 loan is $100). Generally, the higher the points, the lower the interest rate. If points and fees are more than 5 percent of the loan amount, ask why. Traditional financial institutions normally charge between 1 and 3 percent of the loan amount in points and fees. Are any of the application fees refundable if you don’t get the loan? How and how much will the the lender or broker be paid? Lenders and brokers may charge points or fees that you must pay at closing or add on to the cost of your loan, or both. Penalties What is the penalty for late or missed payments? What is the penalty if you pay off or refinance the loan early (that is, is there a pre-payment penalty)? Credit Insurance Does the loan package include optional credit insurance, such as credit life, disability, or unemployment insurance? Depending on the type of policy, credit insurance can cover some or all of your payments if you can't make them. Understand that you don’t have to buy optional credit insurance--that’s why it’s called “optional.” Don’t buy insurance you don’t need. Credit insurance may be a bad deal for you, especially if the premiums are collected up-front at the closing and financed as part of the loan. If you want optional credit insurance, ask if you can pay for it on a monthly basis after the loan is approved and closed. With monthly insurance premiums, you don't pay interest and you can decide to cancel if the premiums are too high or if you believe you no longer want the insurance. After you have answers to these questions, start negotiating with more than one lender. Don’t be afraid to make lenders and brokers compete for your business by letting them know you are shopping for the best deal. Ask each lender to lower the points, fees, or interest rate. And ask each to meet--or beat--the terms of the other lenders. Once You’ve Selected a Lender, Get the Following A “Good Faith Estimate” of all loan charges. The estimate must be sent within 3 days of applying. Blank copies of the forms you’ll sign at closing, when the loan is final. Study them. If you don’t understand something, ask for an explanation. Advance copies of the forms you’ll sign at closing with the terms filled in. A week or two before closing, contact the lender to find out if there have been any changes in the Good Faith Estimate. By law, you can inspect the final settlement statement (also called the HUD-1 or HUD-1A form) one day prior to closing. Study these forms. Write down any questions you want to ask. Think Twice before You Sign Have a knowledgeable friend, relative, attorney, or housing counselor review the Good Faith Estimate and other loan papers before you sign the loan contract. Be sure the terms are the same ones you agreed to. For example, a lender should not promise one APR and then--without good reason--increase it at closing. Refer to the list of questions you’ve written down. Ask where these terms are covered in the loan contract. And ask for an explanation of any dollar amount or term you don’t understand. Don’t let anyone rush you into signing the loan contract. Make sure all promises, oral and otherwise, are put in writing. It’s only what’s in writing that counts. Get a copy of the documents you signed before you leave the closing. Don’t Sign on the Dotted Line if the Lender … Tells you to falsify information on the loan application (for example, suggests that you write down more income than you really have). Pressures you into applying for a loan for more money than you need, or one that has monthly payments larger than you can afford. Promises one set of terms but gives you another with no good reason for the change. Tells you to sign blank forms or forms that aren't completely filled in. If an item is supposed to be blank, draw a line through the space and initial it. Pressures you to sign today. A good deal today should be available tomorrow. Know that You Have Rights under the Law You Have 3 Business Days to Cancel the Loan If you're using your home as security for a home equity loan (or for a second mortgage loan or a line of credit), federal law gives you 3 business days after signing the loan papers to cancel the deal--for any reason--without penalty. You must cancel in writing. The lender must return any money you have paid to date. Do You Think You've Made a Mistake? Has the 3-day period during which you may cancel passed and you're worried that you've gotten in over your head? Do you think your loan fees were too high? Do you believe you were steered into monthly payments you can't afford? Has your lender repeatedly pressured you to refinance? Is your loan covered by insurance you don't need or want? If you think you've been taken advantage of, state and federal laws may protect you. Also, the following organizations may be able to help: Your local or state bar association--sometimes listed under "Lawyers Referral Service" in the Yellow Pages of your phone book. The association may be able to refer you to low-cost or no-cost lawyers who can help. Your local consumer protection agency, state attorney general’s office, or state office on aging, listed in the Blue Pages of your phone book. Your local fair housing group or affordable housing agency, housing counseling agency, or state housing agency. You can learn more about credit and home equity loans by visiting the federal government’s web site for consumers, www.consumer.gov (see the Home and Community section). If you don’t have access to the Internet, ask a friend or relative to get the information for you. Or visit your local library or senior center, which may offer you free access to the Internet on their computers. For More Information State Banks that Are Members of the Federal Reserve System Division of Consumer and Community Affairs Mail Stop 801 Federal Reserve Board Washington, DC 20551 (202) 452-3693 www.federalreserve.gov Federally Insured State Non-Member Banks and Savings Banks Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, Missouri 64108 (877) 275-3342 www.fdic.gov National Banks and National Bank-Owned Mortgage Companies Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street Suite 3450 Houston, TX 77010 (800) 613-6743 www.occ.treas.gov Federally Insured Savings and Loan Institutions and Federally Chartered Savings Banks Office of Thrift Supervision Consumer Programs 1700 G Street, N.W., 6th Floor Washington, DC 20552 (800) 842-6929 www.ots.treas.gov Federal Credit Unions National Credit Union Administration Office of Public and Congressional Affairs 1775 Duke Street Alexandria, VA 22314 (703) 518-6330 www.ncua.gov For state-chartered credit unions, contact your state's regulatory agency. Mortgage Companies and Other Lenders Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) FTC-HELP (877-382-4357, toll free) www.ftc.gov Other Information Sources U.S. Department of Justice Civil Rights Division 950 Pennsylvania Ave., N.W. Housing and Civil Enforcement Section, NWB Washington, DC 20580 (202) 514-4713 www.usdoj.gov/crt/housing/index.html Federal Housing Finance Board 1777 F Street, N.W. Washington, DC 20006 (202) 408-2500 www.fhfb.gov Department of Housing and Urban Development 451 7th Street, S.W. Washington, DC 20410 800-669-9777 (voice) 800-927-9275 (TTY) www.hud.gov Office of Federal Housing Enterprise Oversight (OFHEO) 1700 G Street, N.W. 4th Floor Washington, DC 20552 (202) 414-6922 www.ofheo.gov Adobe acrobat version of text for printing (119 KB PDF) is formatted for printing on two sides of a 11 x 17" sheet of paper. Fold the paper in half. The PDF contains a fillable area on the back panel for you to provide your own contact information. Worksheet for printing (58 KB PDF) Obtaining the Acrobat Reader from the Adobe Web Site This information was prepared by the following federal agencies: Department of Housing and Urban Development, Department of Justice, Federal Deposit Insurance Corporation, Federal Housing Finance Board, Federal Reserve Board, Federal Trade Commission, National Credit Union Administration, Office of Federal Housing Enterprise Oversight, Office of the Comptroller of the Currency, Office of Thrift Supervision. Home | Brochures Accessibility | Contact us Last update: March 24, 2004

Real Estate Broker

BuyMyself - Canale, IRED Attitude & News Home Directories Int'l Realty US Realty BuyMyself Choosing A Real Estate Agent By Stephen M. Canale, Ann Arbor, Michigan, USA There's a common saying in the real estate industry regarding the vast number of agents in the business: "If you don't have any friends who are agents, then you probably don't have any friends at all." With so many agent out there, how can you make an intelligent decision? Do you choose a friend, neighbor or coworker? Should you work with an agent at a large firm, a small firm, a franchise or an independent? While there's an exception to every rule, and every marketplace has its own nuances, here are some solid rules to apply when you want the best representation to protect your interests. Demand Experience The real estate profession is plagued by high turnover. This creates a workforce that is made up of many newcomers. While there are brand new agents with good intentions, why trust one of the largest investment you'll ever buy or sell to someone without experience? Always look for an agent with at least two years of experience. Anyone still in the business after two years has probably learned at least the fundamentals of real estate. Look for Commitment Another problem we have in the industry is a large number of part time and recreational salespeople. These folks have either retired from some other career, work in real estate seasonally or are earning a second income for the family and honestly don't need to work full time. No matter how long they have been in real estate, their lack of full-time commitment makes it impossible for them to keep up with the vast changes in law, marketing and business practices that are occurring in the profession today. If an agent isn't working at least thirty hours a week, fifty weeks a year, look for someone else. Consider Education In the majority of states, the requirements for real estate licensing are substantially less than those for cutting hair. In Michigan, for example, all that is required is a forty-hour class and a multiple choice test. You cannot rely on licensing to indicate competence. And, unfortunately, many agent's real estate education ends with their pre-license education. While there are numerous advanced real estate education courses available, the only technical and competence based program available nationwide is the Graduate, REALTORS® Institute (GRI) series, which is administered under the direction of the National Association of REALTORS®. A REALTOR® who completes the fifteen eight-hour modules, and passes examinations, may then use the designation of GRI. While only 15%-20% of agents have earned this accreditation, it should not be too difficult finding a GRI in your marketplace as they will commonly print the designation behind their name in advertising as well as on letterhead and business cards. Conduct Interviews Before you hire an agent to help you buy or sell a home, you should interview at least three agents in person. In order to do this, first get recommendations from friends, family and neighbors. Then look on the web, in homes magazines and the local newspaper to see what kind of marketing the various companies are doing in your area and call a few that impress you. Then make brief fact-finding calls to determine which of the agents on your list are full time, experienced and either hold the GRI designation or are at least working aggressively toward it. You will probably need to call ten to fifteen agents in order to find three that are worth interviewing. The interview itself need not be a formal one. It is simply an opportunity for you to meet the candidate and explain your needs; and to determine whether you would be comfortable working with them. Ask whatever questions you like, or simply explain your goals and listen carefully to what they propose to do for you in meeting your needs. The decision If you follow the suggestions above, you will find that there are excellent agents working for firms both large and small; both franchised and independent. Thus, the real decision must be made based on the competency of the individual agent you will be working with on a day-to-day basis. Stephen M. Canale is President, Broker/Instructor of Acclaim Residential Marketing Ann Arbor, Michigan | IRED Home | Search IRED | © 1995-2005 IRED.Com, Inc All Rights Reserved

Denver Real Estate Site

Colorado buyer broker specializing in Denver metro real estate Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] only search Denver Real Estate Site Buyer Broker When you begin your hunt for a home, it's a good idea to have a professional on your side. Instead of "going it alone" you can hire a "buyer representative" to help guide you through the process. A buyer representative will ad value to the transaction as a counselor, communicator, analyst and advocate, providing the knowledge and skill to interpret information and coordinate the process. A buyer representative, also known as a buyer's agent or buyer's broker can save you time and money by helping you focus on properties that fit your criteria. When the right home is found, the buyer representative will know how to package your offer so you get the house you want. In most circumstances the buyer's agent does not cost the buyer, as the seller's agent shares in their compensation. So after considering this, why not hire your own buyer's representative and have some one on YOUR side? How do I determine if my agent will make a good buyer's agent? Agency disclosure: an agent should disclose "how" they can represent you and give you a choice. A good agent should listen to your needs and respect them. A good agent will ask questions, get to know you , your lifestyle and help evaluate those needs to locate the best property for you. A good agent will familiarize you with the market, prices, locations, conditions so you will feel confident that you are doing the right thing when it comes time to purchase. Look for the designation ABR. This means the agent has taken special training, provided a list of successfully closed transactions and has kept up - to - date on changes in the business of representing the buyer to a higher level. That's a skill you need. ABR stands for Accredited Buyer Representative. What will a buyer's agent do for me? A buyer's agent can show you homes that are currently on the market, homes for sale by owner, new construction homes offered by builders and homes that may not be on the market yet. A buyer's agent will provide market data to help you establish an offering price. A buyer's agent can help you structure your offer, not by price alone, but by other factors, terms and conditions A buyer's agent will negotiate on your behalf. A buyer's representative will structure strategy to create a winning scenario. (It may not by about price, it could be getting the house when you are competing with other bidders!) Much happens between writing an offer and closing, a buyer's agent will attend to the details in a timely manner. Making sure the transaction GETS to closing. Review the Colorado Buyer Broker Agreement To be legal all real estate agreements must be in writing. If you are interested in reading the Colorado Buyer Agency agreement, you can download it here . Your computer will need to have Adobe Reader installed. Ifyou do not have Adobe Reader installed on your computer, you can click here to download it for free . Do you have more questions? Please call my toll free number... You are welcome to call me to discuss the Buyer Agency agreement or any other question you may have about Colorado Real Estate or Denver real estate for Denver and the metro area. I only ask that you are inquiring about Colorado and not states where I am not licensed. I cannot help you with real estate questions not relating to Colorado! Continue to Financing Your Home . [ Click Here for More ] Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

buy Home [Magazine Subscription]

Amazon.com: Real Simple [MAGAZINE SUBSCRIPTION]: Magazine Subscriptions Your Store Magazine Subscriptions See All 32 Product Categories   Your Account | Cart | Wish List | Help | Advanced Search | browse subjects | top sellers | today's deals | gift ideas | newspapers | professional & trade Search Amazon.com Magazines Newspapers Newsletters Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . MAGAZINE INFO Explore this magazine buying info editorial reviews customer reviews See more images Customers also bought these magazines these other items Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item RATE THIS MAGAZINE I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the Books Store Real Simple: The Organized Home by Editors of Real Simple Magazine Spec tacular Readers Never misplace your reading glasses again with the hip andstylish magnetic readers from CliC . Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . Real Simple [MAGAZINE SUBSCRIPTION] Cover Price: $54.00 Price: $28.68 ($2.39/issue) You Save: $25.32 (47%) Issues: 12 issues/12 months See more images Print a Magazine Gift Card Ordering it as a gift? Give your recipient a personalized Real Simple gift card! ( Flash Player required.) See more magazine gift options . Magazine subscriptions always ship free, and they help you qualify for FREE Super Saver Shipping on the rest of your order! See details . $10 Holiday Bonus Offer: For a limited time, order two or more subscriptions to RealSimple at Amazon.com and get a promotional certificate for $10off a future order. See details . Ready to Renew? Learnhow . Availability: The first issue should arrive in 6-10 weeks. Here's why See more product details Better Together Buy this magazine with In Style [Magazine Subscription] today! Total List Price : $101.88 Buy Together Today: $52.56 Product Details Format: Magazine Shipping: Currently, item can be shipped only within the U.S. Publisher: The Time Inc. Magazine Company ASIN: B00023J4H0 Average Customer Review: Based on 147 reviews. Write a review . Amazon.com Sales Rank: Today: #11 in Magazine Subscriptions Yesterday: #6 in Magazine Subscriptions For magazine orders, your name and mailing address will be shared with the appropriate publisher. This magazine subscription is provided by Synapse Services, Inc. Customers who bought this magazine also bought: O, The Oprah Magazine [Magazine Subscription] Martha Stewart Living [Magazine Subscription] Cooking Light [Magazine Subscription] Lucky [Magazine Subscription] Explore Similar Items : 19 in Magazine Subscriptions , 20 in Books , and 18 in DVD What similar items do customers ultimately buy after viewing this item? 15% buy this item(Real Simple [Magazine Subscription] 13% buy Domino [Magazine Subscription] 7% buy Metropolitan Home [Magazine Subscription] 7% buy House Beautiful [Magazine Subscription] 2% buy Home [Magazine Subscription] Explore Similar Items : 9 in Magazine Subscriptions , 9 in Books , and 5 in Tools & Hardware Editorial Reviews From the Publisher Real Simple is the new magazine for the way you want to live today. You'll find actionable solutions to streamline the ways you manage your life. Systems for reducing clutter, saving time, and reducing stress. Inspiring ideas about home, food, money, clothes, health, work, family, and holidays. Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 148 of 189 people found the following review helpful: You've got to be kidding. , February 6, 2003 Reviewer: Auliya "An Avid Reader" (Austin, TX USA)- See all my reviews Beautiful photography, but empty articles, and advertising, advertising, advertising. Every item, on every page, is an advertisement. Everything. Every sentence in every article, every caption, every line in the index. There are numerous special sections devoted to product endorsements, although they're phrased as "tips." They should give this magazine away for free, considering the money they must make off the advertising. Sure, while it's somewhat "handy" to know what's depicted and discussed (usually the URL and price are provided) it makes me a little uneasy. I feel suckered. I feel uncomfortable. Euugh. --This text refers to the edition Was this review helpful to you? ( Report this ) 159 of 186 people found the following review helpful: Real Simple is simply about buying stuff , June 23, 2003 Reviewer: A magazine reader (Austin, Texas) I subscribed to this magazine for a year and enjoyed my first few issues, but I soon noticed that all of the ideas for "leading a simpler life" involved purchasing expensive products. You might as well just flip through a Pottery Barn catalog. They both offer the same fantasy -- "What a stress-free, genteel life I could lead if only I had closet organizers and all-white furniture!" Eventually I simplified my life by letting my subscription run out. --This text refers to the edition Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 3 of 4 people found the following review helpful: My favorite magazine! , December 20, 2005 Reviewer: Starr Calooy "The Wordsmith" (San Antonio, Texas)- See all my reviews I have read the reviews and find several to be inaccurate and incomplete so I want to set the record straight! This magazine does have advertisements but they all compliment the subject matter of the copy. I am a business owner/mother/caregiver/author so I truly appreciate and use all of the great organizing articles. I also don't have time to track down where to buy the products they suggest so I find the information provided extremely helpful. This is the first magazine I have ever taken the time to read or even ordered! All the others are so similiar and boring, but Real Simple shows me step-by-step how to accomplish what I need to do for my home, what materials to buy(come on! -a coffee can to store Christmas light strings are not expensive!)and where to get them! I look so forward each month to my new issue. I am buying a subscription for my best friend this Christmas. I also planned my entire Christmas dinner party two nights ago by their suggestions and it was a huge hit. The ads really are a plus- not a negative element! Congratulations on such a big success Real Simple! Was this review helpful to you? ( Report this ) 0 of 1 people found the following review helpful: i'm totally hooked.. , December 19, 2005 Reviewer: K. Santos (New York, NY)- See all my reviews i can't say that i read it every month, but when i do i devour it. i LOVE the ideas and the new product lines. the mag is so attuned to what i crave to see and buy and know. i feel like i've learned a lot from the mag and now i have a 3 yr subscription. i'm totally hooked on this mag. Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: good, mindless reading , December 17, 2005 Reviewer: Dee Dee (San Antonio)- See all my reviews This is a good magazine if you're looking for short, simple articles. The tips are useful, but try to focus on one or two per issue or else you'll be taking on too much. The product recommendations are right on. I have not bought anything recommended in this magazine that was not excellent. My only complaint is that there are, of course, too many ads. Was this review helpful to you? ( Report this ) 3 of 4 people found the following review helpful: Useful , December 15, 2005 Reviewer: Michael J Edelman (Huntington Woods, MI USA)- See all my reviews This is the sort of magazine I think I would have appreciated more back in my student apartment-living, bead-curtain, cinderblock-bookcase, cable-spool-as-table days. That's the design ethic portrayed. Some of the articles are rather clever, and the projects- making a switchplate from a beercan, or building a stylish garden building for $1500- are often novel and useful. They're not all winnners, of course; some project ideas are pretty awful. And as others have noted, much of the content is devoted to mindless fashion slavery and buying. But for the urban single or young couple looking for some cheap design ideas, it's pretty useful. Was this review helpful to you? ( Report this ) See all 147 customer reviews... So You'd Like To... Protecting Your Spines Natural Curves., :by Dr Adam Weiss , Doctor and Author Be Like Me? :by Rosemary , appreciator of the following items KNOW what to GROW this month :by LeRoy Armstrong , keep it simple gardener Listmania! Must Have Magazines for Chic Women :A list by Emily Randolph Jones , City Girl My Favorite Magazines :A list by Deanna , a magazine fanatic. My Favorite Magazines :A list by amc230 , Mid 30's Office Manager Look for similar magazines by subject: Browse for magazine subscriptions in: Subjects > Home & Garden > Design & Decoration I have read this magazine, and I want to review it. Is there a specific product you'd like us to sell? Tell us about it. Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. 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