Home Loans Attractive interest

ICICI Bank Online Login | Home Deposits Loans Cards Investments Demat NRI Services Private Banking Go to --> Web enable A/cs Anywhere Banking -- Internet Banking -- Phone Banking -- Mobile Banking -- ATM -- Bank Branch Deposits -- Savings A/c -- Special Savings A/c -- Senior Citizen Services -- Fixed Deposit -- Easy FD -- Value Added Savings A/c -- -- Recurring Deposits -- Private Banking -- Roaming Current A/c -- Young Stars -- Bank@Campus -- Salary A/c -- Womens A/c -- EEFC A/c -- RFCD A/c -- Privilege Banking -- No Frills A/c Cards -- Credit Cards -- Debit cum ATM Card -- Travel Cards Demat Loans -- Home -- Personal -- Commercial Vehicle -- Car -- Two-Wheeler -- Consumer Durable -- -- Loans against Securities -- Farm Equipment -- Construction Equipment -- Personal Computer -- -- Office Equipment -- Medical Equipment Investments -- ICICI Bank Bonds -- GOI Bonds -- Mutual Funds -- IPO -- ICICI Bank Pure Gold -- Foreign Ex. Services -- SCSS, 2004 Insurance -- Life Insurance -- General Insurance -- Tax Saver -- Health Insurance -- Home Insurance -- Motor Insurance -- Travel Insurance NRI Services Online Services -- Bill Payment -- Shopping -- Ticket Booking -- Card-2-Card FT -- Prepaid Mobile Recharge -- Share Trading -- Charity Customer Service Send a Query Eligibility Loan Amount Sanctioning Disbursement Rates and Fees How to Repay Application Process Apply Online Wish to contact us ? NRIs click here Tools you can use FAQs Select a Product Personal Car Two Wheeler Commercial Vehicle Loan against Securities Farm Equipment Construction Equipment Office Equipment Medical Equipment Internet Banking Login Retail Users Corporate Users Money2India Young Stars New User - Register Now Internet Banking Demo Online Security Channels Branches Internet Banking Mobile Banking ATM Phone Banking Home Loans Attractive interest rates Door-step service from enquiry stage till final disbursement Can transfer your existing high-interest rate loan Free personal accidental insurance Special 100% funding for select properties Taking a loan Tax benefits of a Home Loan Reasons why you must consider an ICICI Bank Home Loan Buying a home Things to note before you buy a home Grasping the area concept When the home is yours Scouting for an interior designer

Selling Home

Selling Your Home Home | Contact IRS | About IRS | Site Map | Español | Help Advanced Search Search Tips News Essentials What's Hot News Releases IRS - The Basics IRS Guidance Media Contacts Facts & Figures Problem Alerts Around the Nation e-News Subscriptions The Newsroom Topics Tax Tips 2006 Radio PSAs Fact Sheets Armed Forces Disaster Relief Offshore Compliance Scams / Consumer Alerts Tax Shelters More Topics . . IRS Resources Compliance & Enforcement Contact My Local Office e-file Forms and Publications Frequently Asked Questions News Taxpayer Advocacy Where To File Selling Your Home Tax Tip 2005-55, March 18, 2005 If you sold your main home, you may be able to exclude up to $250,000 of gain ($500,000 for married taxpayers filing jointly) from your federal tax return. This exclusion is allowed each time that you sell your main home, but generally no more frequently than once every two years. To be eligible for this exclusion, your home must have been owned by you and used as your main home for a period of at least two out of the five years prior to its sale. You also must not have excluded gain on another home sold during the two years before the current sale. If you and your spouse file a joint return for the year of the sale, you can exclude the gain if either of you qualify for the exclusion. But both of you would have to meet the use test to claim the $500,000 maximum amount. To exclude gain, a taxpayer must both own and use the home as a principal residence for two of the five years before the sale. The two years may consist of 24 full months or 730 days. Short absences, such as for a summer vacation, count as periods of use. Longer breaks, such as a one-year sabbatical, do not. If you do not meet the ownership and use tests, you may be allowed to exclude a reduced maximum amount of the gain realized on the sale of your home if you sold your home due to health, a change in place of employment, or certain unforeseen circumstances. Unforeseen circumstances include, for example, divorce or legal separation, natural or man-made disaster resulting in a casualty to your home, or an involuntary conversion of your home. If you can exclude all the gain from the sale of your home, you do not report any of that gain on your federal tax return. If you cannot exclude all the gain from the sale of your home, use Schedule D, Capital Gains or Losses, of the Form 1040 to report it. For more details and information, download a copy of Publication 523, Selling Your Home, or order it by calling toll free 1-800-TAX-FORM (1-800-829-3676). Links: Publication 523, Selling Your Home ( PDF 194K ) Schedule D, Capital Gains and Losses ( PDF 136K ) Tax Topic 701  — Sale of Your Home Publication 3, Armed Forces Tax Guide ( PDF 206K ) Highlights: Military Family Tax Relief Act Subscribe to Tax Tips Accessibility | FirstGov.gov | Freedom of Information Act | Important Links | IRS Privacy Policy | U.S. Treasury

Real estate agents help

Real Estate Agent Printer-friendly version ( HTML ) Real Estate Agent What is this job like? | How do you get ready? | How much does this job pay? | How many jobs are there? | What about the future? | Are there other jobs like this? | Where can you find more information? What is this job like? Back to Top Real estate agents help people buy and sell houses. They must be able to say approximately how much money a house is worth. They need to know what the neighborhoods in their towns are like. They must know the laws that have to do with buying or selling a house. They also can tell home buyers where to get a loan if they need more money to buy a house. In return for selling a house, real estate agents get to keep a small part of the money that the buyer paid for it. Real estate agents work for real estate brokers. Real estate brokers manage real estate offices. People who want to buy a house often ask a real estate agent to help them. They meet with the agent to tell him or her what kind of house they want. They must also discuss how much money they can afford to spend. The agent then takes them to see houses for sale. Buying a house is a very important decision because houses cost a lot of money. This means that buyers often want to look at many houses before they decide to buy one. Real estate agents also sell houses for people. They help the seller set the price for the house. To do this, they must know what the house is like. They must also figure out what people would be willing to pay for the house so that it will sell quickly. They make sure that people see ads for the house so that they can think about buying it. Once a person agrees to buy a house, real estate agents still have work to do. They must fill out special forms that let everyone know that the house has a new owner. Both the buyer and the seller of the house must sign these forms for the sale of the house to be legal. Often, the agents must help the buyer to get a loan from the bank to pay for the house. Real estate agents generally work in offices. Since much information about properties is available over the Internet, some agents can work out of their own homes. In either case, however, much of their time is spent outside the office showing houses to buyers. Sometimes they must leave the office to meet with people who have houses to sell. Good real estate agents also spend time away from the office finding out more about the houses in their town that might one day be up for sale. Agents often work more than 40 hours a week. They often must work in the evening or on weekends. This is because most buyers and sellers are free only at those times. How do you get ready? Back to Top Real estate agents must have a license from the State in which they work. To get a license, a person must have graduated from high school. The person must be at least 18 years old and pass a written test. In some States, a person who wants to be a real estate agent must go to a special school for a few months. Sometimes it helps to take some college courses about real estate. This is because the process of selling a house can be hard to understand. Good real estate agents must get along well with buyers and sellers. It helps if real estate agents are pleasant and dress neatly. They should be well organized and be able to remember people's names. They should deal honestly with people and have good manners. They must also be very eager to sell houses, which is sometimes a lot of hard work. How much does this job pay? Back to Top Most real estate agents do not get a regular paycheck. Instead, they get part of the money that the home buyer pays to the home seller when a house is sold. This means that agents who sell more houses earn more money. It also means that agents who sell more expensive houses earn more. The middle half of all real estate agents earned between $21,010 and $52,860 a year in 2002. The lowest-paid 10 percent earned less than $15,480. The highest-paid 10 percent earned more than $83,780 a year. The middle half of all real estate brokers earned between $29,240 and $90,170 a year in 2002. The lowest-paid 10 percent earned less than $17,290. The highest-paid 10 percent earned more than $145,600 a year. How many jobs are there? Back to Top Real estate agents and brokers held about 407,000 jobs in 2002. Many work part time, and have other jobs as well. Most real estate agents work in large cities. Many also work in smaller cities that are growing quickly. This is because there are more houses being bought and sold in such places. What about the future? Back to Top The number of jobs for real estate agents is expected to grow more slowly than the average for all occupations through the year 2012. This is partly because more information about real estate is available on the Internet. This allows agents to conduct more business in less time, so fewer agents are needed. It should be rather easy to find a job as a real estate agent. This is because many agents find that they cannot sell enough houses to be successful, so they quit their jobs. Only people who enjoy selling, and are good at it, should try to become real estate agents. Are there other jobs like this? Back to Top Insurance sales agents Retail salespersons (car salespersons, etc.) Sales representatives, wholesale and manufacturing Securities, commodities, and financial services sales agents Travel agents Where can you find more information? Back to Top More BLS information about real estate brokers and sales agents can be found in the Occupational Outlook Handbook . The Handbook also shows where to find out even more about this job. Last Modified Date: October 21, 2004

Real Estate Agent

Smartmoney.com: Consumer Action: Ten Things Your Real Estate Broker Won't Tell You Thursday December 29, 2005 3:23 PM ET U.S. Markets close in: :37 Search (choose an option below) Quote Charting Earnings Ratings Competition Financials Profile Key Statistics Insiders Site Search News (Enter Symbol) advanced search SmartMoney Select My Portfolio Tools Maps Stocks Advanced Trading Funds ETFs Personal Finance Autos Career Journal College Planning Debt Management Health Care Insurance Life LTC Insurance Real Estate Retirement Tax Guide Economy & Bonds Small Business SmartMoney TV SmartMoney Magazine SmartMoney University Business Travel Technology SmartMoney Mobile Holiday Survival Guide Select Homepage Stock Screener Market Map 1000 Fund Screener Stock Compare Fund Map 1000 Fund Compare XStream Quotes More... 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Editor's Picks Features Ten Things Real-Life Index Advertisement 4.25% APY with hsbcdirect.com Online Savings. Earn 8X the national savings average and make money into big money. No minimums. No monthly fees. Member FDIC. Email This Story Print This Story Save This Story Send Us Your Comments Add this column to your News Alerts (New!) 1. "Your open house is really a party for me." Hire a real estate broker to sell your home and one of the first things he'll likely suggest is hosting an open house, so potential buyers can casually check out your property on a weekend afternoon. While open houses are promoted as a great way of finding a buyer, a National Association of Realtors study found that their success rate is a mere 2%. No matter. Having an open house serves another important purpose — for the broker. "It gives him a database of clients," says Sean McNeill, an independent real estate broker based in New York City who says that he doesn't like open houses, preferring to match clients with appropriate buyers. "At open houses, you get all kinds of people walking in. Some are [trying] to see how much they should sell their own places for; others just want to get a look at what's out there." All are perfect pickings for a broker looking to increase his roster of buyers and sellers. "Think about it," McNeill says. "The broker is devoting a couple hours of a weekend. He won't do that unless it helps him in a big way." 2. "My fees are negotiable." Brokers like to make it sound as if their fees are engraved in stone, but that's rarely the case — especially in a brisk market, when brokers fiercely compete for properties they can unload fast. This past summer one broker in the Midwest says he lowered his fee by a full percentage point because there was so much demand for good properties that he needed leverage. Indeed, says the broker, who asked not to be named, sellers should shop around for broker's fees. He suggests these negotiating tactics: "If somebody's willing to commit to me for selling one place and buying another, I give a discount. If you're in a particularly desirable neighborhood with a house that will bring a lot of traffic" — say, at an open house — "that can be used, because the broker will use the flow of people to get potential customers. And with some [smaller] brokers, all you need to do is ask and they'll lower the commission." 3. "Think you've had no offers? Actually, there've been several." Legally, the broker you hire to sell your home is obligated to tell you about all offers that come in. In reality, some don't. Perhaps he thinks the offer is insultingly low for you, but more likely, "the broker thinks it's too low for his own purposes. He wants to hold out for a bigger commission," says McNeill. Or else there's an outside broker (or "co-broker") circling your house, and the primary broker is waiting for one of his own clients to make an offer so he can keep the full 6% to himself. "You must be clear with your broker that you want to be informed of all offers," McNeill says. "Otherwise, you may be leaving him to make decisions that you should be making." Check the listing agreement drawn up when you hire the broker; if the promise to disclose all offers isn't listed explicitly, insist that it be added. 4. "I talk about you behind your back." You spot your dream house as you're driving through a neighborhood and call the broker listed on the For Sale sign. That's how a lot of buyers stumble on a broker — who, in turn, happily shows you other houses, asking about your needs, laughing at your jokes. It's easy to get loose-lipped and forget whom you're dealing with: someone else's agent. "Legally, brokers are obligated to provide their sellers with any information that can help them get the best prices for their homes," says Stephen Israel, president of Buyer's Edge, a Bethesda, Md.-based company that represents homebuyers. "If you tell the broker that you're willing to pay $500,000 but want to offer $450,000, they'll pass that on to the seller. They have to." Also, some brokerage companies encourage prospective buyers to get preapproved for loans. While that can make a buyer more attractive to a lender, it also tells a broker whether a buyer can afford a $600,000 house when he's trying to haggle on a $400,000 property. "When somebody asks for [a preapproval], find out who they're representing," says Israel, acknowledging that such details can short-circuit your negotiating leverage. "If they represent a seller — or someone in their office does — they shouldn't have it. The broker may tell you she will be impartial, but how can she be?" 5. "Sometimes I forget whose side I'm on." The past 10 years have seen the proliferation of the buyer broker, agents who are supposed to work strictly in the buyer's interest, helping him get a fair price on a home as well as avoid pitfalls along the way. Unfortunately, things don't always unfold so nicely. While buyers may think they're getting a broker who isn't commission-hungry, many buyer agents are just that: They usually get about 3%, the same amount any broker typically earns when he gets involved with another agent's listing. "Buyer brokers are sometimes too focused on closing the sale and getting that commission," says Max Gordon, an Overland Park, Kan.-based real estate broker and attorney, so it's often in their best interest to see you pay as high a price as possible. Even worse, some brokers who call themselves buyer advocates are actually working for companies that also represent sellers. "Brokerages offer bonuses to buyer agents if they sell an in-house listing," says Israel. A good way to get a broker who has no such conflicts of interest: The National Association of Exclusive Buyer Agents, whose Web site (www.naeba.com) can help you find a buyer agent near you who pledges to help you get the best deal possible and has no ties to sellers' agents; many even work on a fee structure rather than on commission. Page 1 | 2 Consumer Action Archive To license this content, click here ADVERTISEMENTS Click here to get your FREE report -- The Motley Fools´ 2 Top Picks. 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Colorado Real Estate: City

Colorado Real Estate: Find Homes For Sale in Colorado - REALTOR.com Colorado Real Estate Find Homes For Sale In Colorado Select an area using the map or the drop down menu. --Select an Area-- Akron Alamosa Arkansas Valley Aspen Boulder/Longmont Area Breckenridge/Keystone Canon City Colorado Springs Copper Mountain Cortez Delta Area (Delta County) Denver Area Douglas/Elbert Counties Durango Area Estes Park Evergreen-Conifer- Bailey Area Fort Collins/Loveland Area Fruita Glenwood Springs Granby Grand Lake Greeley/Weld County Area Gunnison Country (Crested Butte) Mesa County (Grand Junction) Monte Vista Montrose Monument/Tri Lakes Morgan County Otero County Pagosa Springs Peetz Pueblo Steamboat Springs Sterling Telluride Vail Westcliffe Winter Park Woodland Park Colorado Real Estate: City Search Mode If you don't see the area/city you're looking for on the map above, try typing its name into the box below. Please be mindful of proper spelling. Note that this method will not find homes in many unincorporated communities or areas. City: Search in popular metros: Atlanta | Austin | Boston | Chicago | Dallas | Denver | Houston | Las Vegas | Long Island | Los Angeles | Memphis | Miami | New York City | Orange County | Palm Beach | Phoenix | Sacramento | San Diego | Seattle Site Map | Corporate News & Info | Contact Us | Advertise With Us | Join our staff Terms of Use and PrivacyPolicy . 1995- NATIONAL ASSOCIATION OF REALTORS and Homestore, Inc. All rights reserved. Equal Housing Opportunity REALTOR.com is the official site of the National Association of REALTORS and is operated by Homestore, Inc. REALTOR -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR holds membership.