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Mortgage News Daily - Mortgage And Real Estate News Thursday December 29, 2005 ... Home Latest Headlines Contact Us Bookmark Us Sitemap Comments/Feedback 30 Yr Fix 6.22% 0.04% 15 Yr Fix 5.76% 0.03% 1 Yr ARM 5.15% 0.07% 30 Yr Tres 4.53% 0.00% Fed Prime 7.25% 0.25% MND Features - Mortgage License Information - Real Estate License Information - Mortgage Content Syndication - Mortgage Fraud - Wiki - New! Mortgage News Monthly Archive September 2004 October 2004 November 2004 December 2004 January 2005 February 2005 March 2005 April 2005 May 2005 June 2005 July 2005 August 2005 Get Real Time News Updates via your Favorite News Reader! MORTGAGE NEWS DAILY HEADLINES Mortgage Rates and Activity? Holidays Hold Center Stage Wed, 28 Dec 2005 16:00:31 EST Weekly Mortgage Survey - Week Ending December 22, 2005 Mortgage Rates, Fees and Points Ease Marginally From Previous Week Wed, 21 Dec 2005 16:13:30 EST Weekly Mortgage Survey - Week Ending December 15, 2005 NAR Report Sees Banks as Non-Competitive Wed, 21 Dec 2005 11:02:30 EST Per NAR, real estate is a nearly perfect competitive market. Banking, uh,.not so much. NAR Strikes Back At Anti-Competitive Charges Fri, 16 Dec 2005 15:56:11 EST NAR counters claims of non-competitiveness with major review of real estate and banking industry structures. Mortgage Rates Continue To Exhibit Split Personality Wed, 14 Dec 2005 15:32:46 EST Weekly Mortgage Survey - Week Ending December 8, 2005 Major Economic Forecasts Paint Varied Future For Housing Mon, 12 Dec 2005 12:57:23 EST Economists generally agree that housing is slowing but differ greatly on the pace and the effect. Surveys Indicating Mortgage Rates Turning Around Again Thu, 8 Dec 2005 10:43:10 EST Weekly Mortgage Survey - Week Ending November 30, 2005 A Bad Inspection Should Not Be The End Of The World (Cont) Wed, 7 Dec 2005 11:19:55 EST Do not give up on your dream house just because the inspection report is less than dreamy. Money can fix most problems and your seller may be willing to pay his share. Conventional Loan Limits Increased For Freddie and Fannie Fri, 2 Dec 2005 12:57:16 EST Freddie Mac and Fannie Mae loan limits will increase to meet rising house prices. Mortgage Rates Return To October Levels Wed, 30 Nov 2005 12:04:00 EST Weekly Mortgage Survey - Week Ending November 23, 2005 Housing Bubble - Maybe, Maybe Not. Wed, 30 Nov 2005 11:48:21 EST NAR and HUD-Census Bureau release October sales figures. Existing home sales slow a bit but new homes continue to sell at a record pace. Home Inspection Reports Should Not Be All Bad News Tue, 29 Nov 2005 11:59:27 EST A good housing inspection should give a buyer a solid assessment of the new house and provide lots of information to keep it running well. Mortgage Rates Drop According To Most Recent Surveys Wed, 23 Nov 2005 15:54:21 EST Weekly Mortgage Survey - Week Ending November 17, 2005 What Constitutes A Good Home Inspection? Tue, 29 Nov 2005 11:38:57 EST What should you expect from a home inspection? The American Society of Home Inspectors has Standards of Practice, but a good inspector will go an extra mile or more. No Matter What, Budget For A Home Inspection Thu, 17 Nov 2005 12:21:16 EST Home inspections are a nearly universal part of a home purchase these days. Why you should never forego one and what you should expect to pay, how you will benefit, and how states are moving to regulate the process. Mortgage Rates Increase Moderately After Last Weeks Big Jump Wed, 16 Nov 2005 15:20:49 EST Weekly Mortgage Survey - Week Ending November 10, 2005 Fannie Mae Misses Report Again and Finds More Accounting Problems Tue, 15 Nov 2005 11:02:29 EST Any bets on when Fannie Mae will finally figure out what it earned or didnt during the first years of the new century? It sure does not seem to be getting any closer to restating its earlier reports. Freddie Mac Sees Continued Bright Future For Housing Market Fri, 11 Nov 2005 11:59:32 EST Beyond short term impacts of the hurricanes and in spite of rising interest rates Freddie Mac still paints a picture of a solid housing market. Mortgage Rates Take Biggest Jump of Year Wed, 9 Nov 2005 13:32:38 EST Weekly Mortgage Survey - Week Ending November 4, 2005 Home Building and Remodeling For Accessability - Part II Tue, 8 Nov 2005 16:29:30 EST Making a home work for the elderly or disabled can provide comfort and safety for the whole family. President Bush Tax Panel Recommendations Go To Executive Branch Mon, 7 Nov 2005 13:31:51 EST The Presidential tax panel issued its recommendations this week. There were enough small changes to warrant a second and more comprehensive look. Weekly Mortgage Rates Hit New Yearly Highs Again Wed, 2 Nov 2005 16:22:05 EST Weekly Mortgage Survey - Week Ending October 27, 2005 Building Or Remodeling Your Home In Light Of The Inevitable or Accidental Tue, 1 Nov 2005 17:16:01 EST A disability, even a very temporary one, can raise havoc with the enjoyment of your home. Take any opportunity when building or remodeling to prepare for accessibility. Lopsided House Vote Seeks To Regulate Freddie Mac and Fannie Mae Fri, 28 Oct 2005 11:41:39 EST The House of Representatives has approved new oversight for Freddie Mac and Fannie Mae. Senate approval appears a long way off. The 30 Fixed Mortgage Rates Now Firmly Over 6 Percent Tue, 8 Nov 2005 15:40:15 EST Weekly Mortgage Survey - Week Ending October 20, 2005 NAR Sees Soft Landing as Housing Bubble Transitions To Expansion Wed, 26 Oct 2005 14:43:30 EST NAR report sees an ultimate soft landing as bubble begins to soften and fallout from Katrina benefits portions of the sales market. Home Mortgage Deduction Under Attack By Presidential Panel Mon, 7 Nov 2005 15:02:02 EST Homeowners may lose a cherished tax deduction if a presidential panel gets its way. But history says it is unlikely to happen. Modular Homes and Prefab Housing Can Save Time and Money Fri, 21 Oct 2005 12:55:34 EST Modular and panelized construction using a variety of methods and materials offer time and cost saving alternatives for homeowners. Even IKEA is getting into the act. Are Real Estate Commissions at the Root of NAR Problems? Fri, 21 Oct 2005 11:59:10 EST Are commissions the reason for the recent attacks on the National Association of Realtors and on agents. Hmmmm - there does seem to be a pattern. Mortgage Rates Top 6 Percent Tue, 8 Nov 2005 15:38:18 EST Weekly Mortgage Survey - Week Ending October 13, 2005 Rita Joins Katrina As Topic of Freddie Mac Monthly Reports Mon, 17 Oct 2005 14:17:54 EST Although acknowledging hurricanes impact, Freddie Mac still sees a rosy housing picture. Freddie Mac Anticipates Huge Hurricane Related Losses Wed, 12 Oct 2005 15:31:24 EST Freddie Mac has tallied up its losses to Rita and Katrina and they will be substantial. Fixed Mortgage Rates Nudge 6 Percent For First Time Since Spring Wed, 12 Oct 2005 14:40:39 EST Weekly Mortgage Survey - Week Ending October 6, 2005 Congress Is Also On The Case - NARs Troubles, Continued Wed, 12 Oct 2005 12:31:48 EST A Government Accountability Office Report suggests reputation and service may be more relevant to creating competition in the real estate than commissions. Manufactured Housing And Homes-In-A-Box are Viable Routes To Home Ownership Mon, 10 Oct 2005 13:05:07 EST While traditional one-stud-at-a-time construction remains the norm, a potential build-it-myselfer would do well to check out options to make those dreams come true. Realtors Under Fire From DOJ, GAO, And That is Just the Beginning Mon, 10 Oct 2005 13:20:04 EST Seems like a lot of people are targeting the National Association of Realtors. The Department of Justice heads the list. ARMs Narrow Yield Curve in Latest Mortgage Rates Survey Wed, 12 Oct 2005 14:38:44 EST Weekly Mortgage Survey - Week Ending September 28, 2005 So You Want To Build A House Tue, 4 Oct 2005 17:26:44 EST Building a home is an adventure but, with enough information and some innovative new housing options, perhaps one with a happy ending. Mortgage Rates and Home Sales Both Up In Recent Reports Wed, 28 Sep 2005 22:09:07 EST Mortgage rates rose, home sales and prices were also higher. But are mortgage applications the canary in the coal mine? Read Those Homeowner and Flood Insurance Policies Before It Is Too Late Tue, 27 Sep 2005 14:10:50 EST Actual cash value versus replacement costs; deductibles, and valued policies are only a few of the things you need to know as an informed consumer of homeowner and flood insurance. HUD and Commerce Say Housing Starts Drop Slightly Thu, 22 Sep 2005 16:54:33 EST Housing starts are reported off in the last month, but the single family market still shows that builders continue to be optimistic. Mortgage Rates Up Across the Board Wed, 21 Sep 2005 18:19:46 EST Weekly Mortgage Summary Report. So Should You Pay PMI or Take Out a Piggyback Mortgage? Mon, 19 Sep 2005 15:18:14 EST Piggy backs make more financial sense at present than private mortgage insurance, but that can change with interest rates and/or pending legislation. Freddie Mac and MBA Mortgage Rates Survey Directionless Thu, 15 Sep 2005 11:27:16 EST Weekly mortgage rates report. Freddie Mac September Outlook - Its All About Katrina Thu, 15 Sep 2005 11:19:51 EST Freddie Mac sheds some light on the effects of Hurricane Katrina on the housing market and economy. Time To Review Your Homeowners and Flood Insurance Coverage Fri, 16 Sep 2005 10:51:26 EST Katrina, not to mention Charley, Ivan, western brush fires, and California mud slides should be prompting you to check your insurance coverage. Another Report on Spiraling Housing Prices Tue, 25 Oct 2005 10:11:54 EST Freddie Mac quarterly report on housing prices show continued growth propelled by dropping interest rates in the second quarter. Private Mortgage Insurance - Facts From The Source Thu, 8 Sep 2005 13:36:38 EST After a bit of a paper chase we finally get some officials answers about how PMI works. Free Credit Reports For All - But Watch Your Step Thu, 8 Sep 2005 10:03:50 EST Now everyone can get a free credit report - just watch your typing fingers. Mortgage Rates Fall For Third Week In A Row Wed, 7 Sep 2005 15:37:26 EST Weekly mortgage rates report. Greenspan Warns Than Housing Prices Will Simmer Down Thu, 1 Sep 2005 11:36:49 EST Chairman Greenspan warns again that housing prices will cool and take parts of the economy along. ©2005 MortgageNewsDaily.com All rights reserved. - Disclaimer
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Amazon.co.uk: Property Ladder: Profit from Property: Books BOOK SEARCH BROWSE CATEGORIES SPECIAL OFFERS TOP SELLERS AUDIO BOOKS Paperbacks 3 for £12 NEW & USED TEXTBOOKS HARRY POTTER SELL YOUR BOOKS All Products -Books -Used Books -Collectable Books All Subjects -Art, Architecture & Photography -Audio Cassettes -Audio CDs -Biography -Business, Finance & Law -Children's Books -Comics & Graphic Novels -Computers & Internet -Crime, Thrillers & Mystery -Fiction -Food & Drink -Gay & Lesbian -Health, Family & Lifestyle -History -Home & Garden -Horror -Humour -Mind, Body & Spirit -Music, Stage & Screen -Poetry, Drama & Criticism -Reference & Languages -Religion & Spirituality -Romance -Science & Nature -Science Fiction & Fantasy -Scientific, Technical & Medical -Society, Politics & Philosophy -Sports, Hobbies & Games -Travel & Holiday -Young Adult All Subjects Art, Architecture & Photography Audio Cassettes Audio CDs Biography Business, Finance & Law Children's Books Comics & Graphic Novels Computers & Internet Crime, Thrillers & Mystery Education & Languages Fiction Food & Drink Gay & Lesbian Health, Family & Lifestyle History Home & Garden Horror Humour Mind, Body & Spirit Music, Stage & Screen Poetry, Drama & Criticism Reference Religion & Spirituality Romance Science & Nature Science Fiction & Fantasy Scientific, Technical & Medical Society, Politics & Philosophy Sports, Hobbies & Games Travel & Holiday Young Adult BOOKS INFO At A Glance Reviews Customer Reviews Search Inside! See more by this author E-mail a Friend About This Item Recommendations If you already own this, rate it and improve your recommendations , Not Rated Visit the Music shop Confessions on a Dance Floor ~ Madonna Find a huge selection of books at 30% off Become an Associate Join our Associates Programme and make money from your website! Property Ladder: Profit from Property Sarah Beeny Search inside this book List Price: £12.99 Our Price: £6.49 & eligible for Free UK delivery on orders over £15 with Super Saver Delivery. See details & conditions . You Save: £6.50 (50%) Availability: usually dispatched within 24 hours. 33 Used & New from £4.99 See larger photo Edition: Paperback Get up to 50% off more great New Year, New You titles. More Product Details Perfect Partner Buy Property Ladder: Profit from Property with Property Ladder: How to Make Pounds from Property today! Total List Price: £25.98 Buy Together Today: £15.58 Customers who bought this item also bought: Property Ladder": The Developer's Bible ;Hardcover~Sarah Beeny The Million Pound Property Experiment: How to Make Money from Your Home ;Hardcover~Colin McAllister, Justin Ryan How to Make Money from Property: The Expert Guide to Property Investment ;Paperback~Adam Walker The Complete Guide to Renovating and Improving Property ;Paperback~Liz Hodgkinson Beating the Property Clock: How to Understand and Exploit the Property Clock for Maximum Gain ;Paperback~Ajay Ahuja Explore similar items ... Product Details: Paperback 160 pages(October 31, 2003) Publisher: Cassell Illustrated Language: English ISBN: 1844031918 Category(ies): Home & Garden , Music, Stage & Screen Average Customer Review: | Write a review Amazon.co.uk Sales Rank: 2,587 (Publishers and authors: improve your sales ) sign in to turn on 1-Click ordering. 25 New from 4.99 8 used from 5.75 Have one to sell? (We'll set one up for you) View my Wish List . Customers interested in this title may also be interested in: What's this? ( What's this? ) Feedback Subscribe to Property Ladder Find your favourite magazines and subscribe today for big discounts off the regular price at Britain's magazine superstore. www.isubscribe.co.uk Looking for a Loan for a Property ? We help you find the right UK property mortgage. Let us do all the legwork for you. Tenants and homeowners welcome. Enquire now, it's free and takes only a few seconds. www.empire-finance.co.uk Property Ladder Magazine The magazine that helps you make money from property . Get every issue delivered to your door for free plus save over 10% on the news-stand price. www.magazinesforall.co.uk Related Products You may also be interested in the following related items. Tick the appropriate boxes to add these items to your Shopping Basket along with Property Ladder: Profit from Property. Punch Professional Home Design Suite Platinum Our Price: £39.99 Punch Home & Garden Design Collection Our Price: £19.99 Reviews Synopsis The biggest consideration for anyone buying property is money - how should you be funding the purchase? How can you be sure the investment will remain sound? How can you go about expanding your buying and what are the market trends you should be looking out for? Another tie-in to the Channel 4 series of the same name, this guide goes beyond the original title's tips on how to make your house attractive to discuss the intricacies of the housing market and how to read its cycles. Detailed case studies revisit the success of previous series and how their investments have paid off, alongside statistics and prices of houses by area, style and time period so the fluctuations between times and regions can be thoroughly examined. New! Search Inside! ( Learn More ) Search inside this book: You can view sample pages from this book. Customer Reviews Avg. Customer Review: Write an online review and share your thoughts with other shoppers! 8 of 16 people found the following review helpful: Thank you very much, Sarah! , May 23, 2004 Reviewer: Jenia Crabbe from St. Helens, Merseyside, England I would like to say, that since we have seen the program Property Ladder, my husband and I have bought a property, which have made us a very healthy profit. As a result we are able now to open the business, that we've always wanted. I am ever so greatfull for this lovely program. Was this review helpful to you? 8 of 9 people found the following review helpful: Interesting , March 29, 2004 Reviewer: A reader Maybe not the best guide, more of a transcript of the shows which i absolutely loved. good book from a good series. interesting read at the least. Was this review helpful to you? 29 of 86 people found the following review helpful: Dangerous. , January 30, 2004 Reviewer: A reader from Glasgow, Scotland United Kingdom While she does make some points about buying a property (in ENGLAND - different sstem in Scotland remember!!), she does little more than articulate what should be common sense. I suppose if you knew nothing about the property system this would be a helpful starting oint, but there its applicability would end. Surely no-one would buy a property to live in based on her reccommendations alone, and certainly would not try to profit from it. Incidentally, she is not a property developer as she asserts. A poperty developer buys land and builds on it, ie, develops. She is little more than an interior designer who has profited from property sales. To deal with property in anything like a sensible manner takes much more than her overly optimistic, get-rich-quick ethos. I wonder how many people have lost money as a result of hearing about her successes and those on her TV show? Even those who have made money (on her show, which are presumably her most successful followers) have made relativley little. Many have given up their careers to redesign the interior of their house, and made only 10,000 or 20,000. If money was as easy to earn as this book implies, why wouldn't everyone do it? Was this review helpful to you? 48 of 61 people found the following review helpful: Not for the serious developer , November 30, 2003 Reviewer: A reader from England A good deal of fun, but targeted at the absolute beginner for development. Was this review helpful to you? See all customer reviews... Customers who bought books by Sarah Beeny also bought books by these authors: Ajay Ahuja Fiona Fullerton Liz Hodgkinson Colin McAllister Annie Hulley Look for similar books by subject: Browse for Books in: Subjects > Music, Stage & Screen > Television > General Subjects > Home & Garden > Buying & Developing Property > Property Guides Search for books by subject: Economics Housing & property for the individual Television i.e., each book must be in subject 1 AND subject 2 AND ... Comment on this title I have read this book and I want to review it. I am the author and I want to comment on my book. I am the publisher and I want to comment on this book. Correct errors and omissions in this listing. Where's My Stuff? track your recent orders view or change your orders in Your Account Delivery and Returns see our delivery rates and policies thinking of returning an item ? (See our Returns Policy ) Need Help? forgot your password? 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(Please provide your phone number) I have a MEDIUM interest in buying a home, but I just started my search and need to become more familiar with the market. I do not have any definite plans to move at this time. I am just curious about the listings that are currently on the market. I currently: * live in Colorado plan to move to Colorado Your Comments Any additional information that will help us better understand your needs I agree with Colorado HomeFinder Terms & Conditions Just getting familiar with Golden Colorado real estate? Or, do you know the exact street where you want to live? No matter what stage you are in your Golden home search, Automated HomeAlert is for you! The latest technology makes finding Golden homes for sale easier than ever ! Automatic email notification of new listings and access to all the Golden real estate listings from all the brokerages saves you time - and makes searching for homes fun. You are in control! Colorado HomeFinder lets you search for Golden real estate at your own pace. If you are just thinking about a buying a home, no problem...the Automated HomeAlert System is a great way to get familiar with the Golden Colorado real estate market. If you are ready to start seeing Golden homes in person, just let us know. Our local, licensed Golden REALTORs can show you any property on the market. Get matched with a great Golden REALTOR When you're ready for the assistance of a Golden REALTOR, we will match you with the Colorado HomeFinder REALTOR that knows your target market best. Colorado HomeFinder agents are hand-picked REMAX professionals that average over 15 years of experience. We're a Colorado company, not a national referral service with a "list of agents." Our REALTORs are some of the best in the business and are true Golden Colorado real estate market experts! 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Colorado HomeFinder | Golden Real Estate, Search Golden Homes for Sale in the MLS Call 800.231.9153 | Contact Us If you already have an account, sign in here Golden Colorado Real Estate - find out first about the newest Golden real estate listings! You learn about Golden homes for sale the day they hit the market - before other buyers. Automated HomeAlert emails you new listings that fit your personal home search criteria and gives you access to all the Golden Colorado real estate listings. It's easy - Just submit your email address and home search criteria. Your email is not shared or sold to anyone. You incur no obligation or cost for this free Golden real estate service. Our Privacy Policy: We respect your privacy. All information provided is strictly confidential and you can unsubscribe at any time. Colorado HomeFinder will never sell or share your information with any outside parties. Click here to review our Privacy Policy . Your Automated HomeAlert Search Criteria * Required information Property Type: * Please select... Single Family Condominium or Townhome Any Property Price Range: * From Price.. 75,000 100,000 125,000 150,000 160,000 170,000 180,000 190,000 200,000 210,000 220,000 230,000 240,000 250,000 275,000 300,000 325,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 - To Price.. 100,000 125,000 150,000 175,000 200,000 225,000 250,000 260,000 270,000 280,000 290,000 300,000 310,000 320,000 330,000 340,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 10,000,000 Min Bedrooms: 1 2 3 4 5 Min Bathrooms: 1 2 3 4 Min Square Feet: No Preference 500 600 700 800 900 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 2,400 2,500 2,600 2,700 2,800 2,900 3,000 3,250 3,500 3,750 4,000 4,500 5,000 6,000 Age of Home: No Age Preference New Construction Only 5 years or less 10 years or less 20 years or less Older than 50 years City Preferences: * Golden Select at least one city... Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Contact Information Name: * First Name: Last Name: E-mail: * (Valid email address is required to receive listings) Re-enter E-mail: * Phone Contact: * Home Phone: Work Phone: Information that will help us serve you better Your level of Interest: * I have a HIGH interest in buying a home and am ready to start visiting homes now. (Please provide your phone number) I have a MEDIUM interest in buying a home, but I just started my search and need to become more familiar with the market. I do not have any definite plans to move at this time. I am just curious about the listings that are currently on the market. I currently: * live in Colorado plan to move to Colorado Your Comments Any additional information that will help us better understand your needs I agree with Colorado HomeFinder Terms & Conditions Just getting familiar with Golden Colorado real estate? Or, do you know the exact street where you want to live? No matter what stage you are in your Golden home search, Automated HomeAlert is for you! The latest technology makes finding Golden homes for sale easier than ever ! Automatic email notification of new listings and access to all the Golden real estate listings from all the brokerages saves you time - and makes searching for homes fun. You are in control! Colorado HomeFinder lets you search for Golden real estate at your own pace. If you are just thinking about a buying a home, no problem...the Automated HomeAlert System is a great way to get familiar with the Golden Colorado real estate market. If you are ready to start seeing Golden homes in person, just let us know. Our local, licensed Golden REALTORs can show you any property on the market. Get matched with a great Golden REALTOR When you're ready for the assistance of a Golden REALTOR, we will match you with the Colorado HomeFinder REALTOR that knows your target market best. Colorado HomeFinder agents are hand-picked REMAX professionals that average over 15 years of experience. We're a Colorado company, not a national referral service with a "list of agents." Our REALTORs are some of the best in the business and are true Golden Colorado real estate market experts! 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