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Amazon.com: House Of The Dead 2: Computer & Video Games Your Store Computer & Video Games See All 32 Product Categories   Your Account | Cart | Wish List | Help | browse by system | top sellers | new & future releases | kids & family | game hardware | outlet Search Amazon.com Video Games Used Video Games 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 . ITEM INFORMATION Explore this item buying info accessories product description customer reviews See more by this manufacturer Sega of America, Inc. Customers also bought 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 ITEM I dislike it I love it! 1 2 3 4 5 Edit your ratings 7 used & new from $12.95 A9.com users save 1.57% on Amazon. Learn how . Have one to sell? House Of The Dead 2 Other products by Sega of America, Inc. Platform: Sega Dreamcast Availability: Available from these sellers . 7 used & new from $12.95 ESRB Rating: Mature (Content suitable for ages 17 or older.) See more pictures | Accessories Note to Customers: Gore, Horror, Mature Content, Realistic Violence (what this means) Features: Blow away killer zombies 6 levels of intense shooting action Based on the smash arcade shooter Branching levels and storyline Use a lightgun (sold separately) for maximum blasting Amazon.com Sales Rank: Today: #4,737 in Computer & Video Games , #16,632 in Electronics Yesterday: #3,699 in Computer & Video Games , #12,400 in Electronics Manufacturer's age: 17 years and up Shipping: Currently, item can be shipped only within the U.S. ASIN: B00000K4BU Item model number: 51002 Dimensions: 5.50 inches x 0.50 inches x 5.00 inches Date first available at Amazon: August 15, 2000 Average Customer Review: Based on 100 reviews. Write a review . Customers who bought this itemalso bought these items: Zombie Revenge by Sega of America, Inc. Sega Dreamcast Console by Sega of America, Inc. Jet Grind Radio by Sega of America, Inc. Resident Evil:Code Name Veronica by Capcom Explore Similar Items : 19 in Computer & Video Games What similar items do customers ultimately buy after viewing this item? 34% buy The House of the Dead III by Sega of America, Inc. 23% buy Evil Dead: Hail to the King by THQ 21% buy this item(House Of The Dead 2by Sega of America, Inc. 7% buy House of The Dead by Sega of America, Inc. 1% buy SEGA House of the Dead 2 by Activision Explore Similar Items : 9 in Computer & Video Games Product Description Editorial Review Direct from the arcades to the Dreamcast, Sega has a sure-fire smash on its hands with this near arcade-quality translation of popular zombie shooter House of the Dead 2 . Most fast-action gaming fans will immediately dive into the basic premise of this game: shoot and destroy the zombies that have invaded the creepy haunt known as the Curien Mansion. For what it's worth, however, House of the Dead 2 does contain a pretty intriguing plot that moves beyond the simplistic point-and-shoot genre. In addition to the fast-moving action, there are several subplots that shed light on the darker secrets lurking within this eerie, zombie-infested environment. Gameplay can be set to accommodate several skill levels, including easy, medium, and hard game settings. Even if you manage to master this game, there are several alternative plot and game paths that will keep you coming back for more. Your shooting patterns and on-screen actions will determine the plot path and gaming areas that you can explore. Skilled shooters and well-trained zombie slayers will be rewarded with secret game areas and unusual plot twists. By saving the lives of innocent bystanders, you will usually be able to take a shorter path to the end of the game level. In addition, you'll often gain health bonuses that enable you to play longer. If you complete the game without allowing any hostages to die, you'll even unlock a secret bonus room. A few years ago, Sega disappointed some hardcore fans with its less-than-perfect home translation of the original House of the Dead game. With House of the Dead 2 , Sega has fully redeemed itself. The Dreamcast is the only home game system with the processing power to do the arcade game justice--and it shows. We just about drooled over the graphics, which have to be seen to be believed. The home version even expands beyond the arcade gameplay with exclusive new levels, including a training mode that helps you practice your shooting skills before you enter the game. There are also several never-before-seen secret game areas that were developed exclusively for the Dreamcast. The only disappointment here is Sega's decision not to include the light gun accessory with this title. You can play with a basic Dreamcast controller, but the game was designed with the light gun in mind. Without a light blaster, it's just not as fun. It's a good thing that third-party companies, such as InterAct, are already offering light guns that are compatible with the Dreamcast. We highly recommend purchasing this separately sold light gun accessory; it makes the game infinitely more enjoyable and, frankly, some of the harder areas of the game are almost impossible to beat without it. --Brett Atwood Pros: Near perfect arcade-to-home translation Multiplayer support with a second Dreamcast controller or light gun (sold separately) Exclusive levels developed only for the Dreamcast Multiple game paths Cons: Gameplay suffers without optional light gun accessory GameSpot Review The often-used phrase "Virtua Cop meets Resident Evil" doesn't quite do Sega's zombie-blasting arcade gun-game series justice, but it's certainly close enough to give you the general idea of what the House of the Dead series is all about. In it, you're part of a government agency in charge of stopping the machinations of the nefarious and incredibly monotone Goldman, a suit-wearing evil mastermind intent on wiping out the human race with his monster hordes for reasons that never really quite... read more See all product description... Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 10 of 11 people found the following review helpful: The Best Zombie shooter! , May 3, 2000 Reviewer: A. Griffiths "Adrian" (London)- See all my reviews There still aren't that many Dreamcast games out than can be called "must-haves", but "House Of The Dead 2" is definitely one of them. But do you need the gun to play it? YES! Otherwise, it will be nowhere near as much fun and almost impossible to beat it, as the monsters are often zipping all over the screen at great speed. The game is extrememly hard anyway, even set on the "very easy" level (!), and the first few times you play it you will be killed long before the final battle, but the game would be over far too quickly if it were easy. The feel good factor from final victory, however, is always worth waiting for. Every aspect of the graphics is fantastic, the zombies are incredibly detailed, especially in close up, and the backgrounds are beautifully realised. Replay value comes from the many different paths you can take through the zombie-infested town. These paths depend on the speed and accuracy of your shooting, and you will enjoy replaying the game to try and hit those tricky targets, and save the innocent civilians, some of which are extremely difficult to rescue. Also added is "Original Mode" in which you build up a store of power-ups and life-ups, and even some bizarre different weapons and character-modifiers that appear in secret spots in the course of the game. You really need a VMU for this mode, although you can enjoy the arcade game without one (there are no save points during gameplay). Add to this the training exercises, and you have an arcade experience that is not only transported identically into your living room, but also enhanced with many extras! The game is above all fun to play, as it requires no serious investment of time or thought. You can pick it up at any time, and start blasting the undead! Was this review helpful to you? ( Report this ) Dreamcast classic , January 20, 2002 Reviewer: N. Durham "Big Evil" (Reading, PA)- See all my reviews One of the first games released for the Dreamcast, House of the Dead 2 is an instant classic. The game is identical to the arcade smash with the inclusion of exclusive Dreamcast levels, and the graphics and detailed zombies will leave your mouth watering. The voice acting is pretty bad though, making the voice acting from the first Resident Evil look like Shakespearian acting, but that is overlooked by the shoot 'em up action. A light gun is strongly recommended, but the standard DC controler works just as well, somewhat. 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. 1 of 2 people found the following review helpful: Not perfect but fun , October 9, 2004 A Kid's Review I only have this because I have Xbox's House of the Dead 3.The House of the Dead 3 is better.Better graphics,effects,blood,gore,and options.I'd reccomend that one more.But if you are more pleased with House of the dead 2 and only have an Xbox then get House of the Dead 3,beat it,and go to The House of the Dead 2.There,you start at The House of the Dead 3 and go back in time in a time machine until you reach the year 2000. Was this review helpful to you? ( Report this ) A very good Classic Horror Shooter , July 16, 2004 Reviewer: A gamer This game is pure fun. It is a must own shooter for all people who own a Dreamcast. I am dissapointed that Sega has stopped its bussiness in the gamming industry. Anyways, this shooter packs non-stop zombie blastin' action. But get this first, if you buy this game, get a lightgun. The dude with the lightgun is the king, the one without is zombie chow. I also like the way you can blow off individual body parts. Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! The story for this game is pretty good. The bad guy in it is cool.. The bosses are loads of fun. House of the Dead II is one of the best gun games you can find for a system. The zombies in these are cool. Any part of there body you shoot one part of them gets blown. This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) See all 100 customer reviews... So You'd Like To... play some quality games on a forgotten console... :by Ughsassin , Casual Gamer and DReamcast Enthusiast get a Dreamcast :by David , video game fanatic Know About The Best System :by Scott Duft , Person Who Likes Games Listmania! Dreamcast Games You Can"t Go Wrong With :A list by J. Clark , I play games too often Games No Self Respecting Sega Gamer Should Be Without :A list by sega@innernet.net , 10 Year Sega Fan/Supporter My favorite games (All platforms) :A list by Alex Kain , 16 year old gamer Browse for Computer & Video Games Systems > More Systems > Sega Dreamcast > All Games Systems > More Systems > Sega Dreamcast > Action > Horror Systems > More Systems > Sega Dreamcast > Action > Shooter Systems > More Systems > Sega Dreamcast > Action 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. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. Product information is incorrect. The page contains typographical errors. 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Home Loan Information - Mortgage and Loan Place contact us home Useful Home Loan Information Many people spend a great deal of time looking for their home, but neglect to spend much time researching their home loan. The home loan will be a larger purchase than your home, so it is advisable to educate yourself and get as much help a possible when determining what type of loan to get and what lender to use. The sites below will help you find the best rates on a home loan and provide answers to any questions you might have. Get a variety of home loan information from Interest .com . They provide a plethora of Home Loan information as well as other information regarding new home purchases. The site will help you ensure that you get the best deal on your home and your home loan. Plus, there is a Home Buyer's Guide that is available for download and will provide you with valuable home buying tips. Home Loans Home Loan for Australians . Get a variety of information on a home loan if you are located in Australia. You can find Home Loans by state and other state financial information at Propel Home Loans. Check out the Freddie Mac site for a variety of information about home loans. Freddie Mac was chartered by Congress to help ensure there is money for lenders to loan for families to purchase homes. VA Closing Costs The typical closing costs associated with a VA loan include the following: Reasonable amounts for any or all of the Itemized Fees and Charges designated by the VA. A 1% flat fee charged by the lender Reasonable discount points The VA funding fee Itemized Fees and Charges may include the following: VA appraisal and compliance inspections of the property (The veteran cannot pay for an appraisal requested by the lender or seller.) Recording Fees Credit Report Prepaid Items Hazard Insurance Flood Zone Determination Survey Title Examination and Title Insurance Special Mailing Fees for Refinancing Loans Other Fees authorized by the VA The 1% lenders flat fee is designed to reimburse the lender for all fees and costs not covered in the Itemized Fees and Charges. Examples of items that would fall within the realm of this fee are as follows: Lenders appraisals and inspections, except in construction loan cases Loan closing or settlement fees Document preparation fees Preparation of loan papers or conveyance fees Attorneys service that does not include title work Photographs of the property Interest rate lock in fees Postage or other mailing charges, telephone calls, etc. Escrow fees or charges One of the closing costs of a VA loan that is not associated with a normal loan is the funding fee. The funding fee is used in order to fund the VA home equity program, and it is required to be paid by the veteran on every VA loan, with some exceptions. Exemption include veterans receiving compensation for service related disabilities, veterans entitled to receive compensation for service related disabilities if they were not receiving retirement pay, and surviving spouses of veterans who died in service or from service related disabilities. Other Loan Links: Lenders for Loans For Sale By Owner Home Buyers Search Engine Red Chimney Real Estate Agents Mortgages VA Loans Home Loans Debt Consolidation Refinancing Apply Now!

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Pondering Real Estate Pondering Real Estate Adam Hamilton August 23, 2002 2913 Most Americans' largest asset is their home. With chaotic and turbulent economic times upon us, how will residential real estate perform in the coming years. Some thoughts... One of the greatest blessings of writing publicly is the continual stream of feedback I am offered from folks around the world. They let me know when I am wrong, help shape my worldviews and opinions, and offer dazzling new ideas that are often absolutely brilliant. Without everyone who graciously writes in to help deepen my own understanding, my own thought processes would rapidly stagnate. I am always grateful for feedback, positive, neutral, or negative. The people who take the time to write really augment the crucial foundational base off which my thoughts articulated in these essays are formed and polished. One of the most common questions people have, especially those writing from the States, regards real estate. For Americans, real estate, in the form of their primary family home, is often the largest asset they command. The value of real estate, especially the price trend, is very important to countless folks across our great nation. Many Americans I hear from, especially those with a contrarian investor mindset, wonder what will happen to residential real estate prices in the United States. The question is a very complex and difficult one, for a whole myriad of reasons. I have been pondering this matter since the US equity bubbles burst and am finally ready to commit some tentative thoughts to paper on this vexing issue. A massive caveat is in order however. I am approaching this question about real estate price trends from the perspective of a speculator. Not having a background in real estate, these ideas may be completely worthless, so please dont act on anything in this essay without at least first discussing these concepts with a real estate professional you personally trust with decades of experience. I hope this essay will simply spur further thoughts and discussions. The primary issue that I have been wrestling with in my mind regarding residential real estate price trends in the coming years concerns inflation and deflation. Inflation and deflation are simply opposing monetary phenomena, but both seem to be attacking our fragile post-bust economy in the US with great fury from opposite sides. For some background on these two titanic forces, please see my Inflation or Deflation? essay published last December. Inflation is spawned by the hooligans at the Federal Reserve printing too much paper (or electronic) money, which they have been doing in spades in recent years in a vain and fruitless attempt to stop the normal post-bubble bust process from running its full course. In the last 12 months, the various US money supply measures have exploded up with astounding violence. The absolute year-over-year M1 inflation is 5.2%, MZM 12.7%, M2 7.9%, and M3 7.4%. These numbers are downright frightening in light of historical inflationary precedent! In an inflationary environment, relatively more money chases after relatively fewer goods, services, and real estate. If the amount of money in circulation is rising faster than available real estate in the areas in which people want to live, residential real estate prices should rise. Realtors use this inflation idea to convince their customers that land prices should perpetually rise because land is scarce. Unfortunately, thats not the whole story. While real estate professionals constantly bombard us with marketing propaganda claiming that land is scarce and no more is being made, that is a myth. One example why is evident in multi-story buildings. A 10-story structure, for example, has about 10x the usable space as a single story structure, but has the same footprint in raw land terms. Land itself is not scarce, just land in locations where people want to live. For example, the sparsely-populated state of Montana has about 147,000 square miles of area, or roughly 94m acres. Assuming that only 2/3 of Montanas land is useable (the rest might be mountains or lakes, or streets in cities), that leaves 63m acres. If the entire US population is 287m people, they could all move to Montana and each live in modest estates of almost 1/4 acre, or 9,500 square feet. If their houses took up 1/3 of their plots, and each had a basement and two aboveground stories, every American could live in Montana in individual 9,500 square feet mini-mansions! Land is not scarce in general. I have seen land sell in the North Dakota Badlands for $25 per acre. I have heard of deals involving vast tracts of land in northern Australia going for under $1 per acre. Land is relatively scarce in small areas in which lots of people want or need to live however, such as New York Citys Manhattan Island. Monetary inflation should indeed bode well for real estate prices, but where will it strike? If US monetary inflation bids on barren lands in the Western states for example, residential real estate in the big Eastern cities might not benefit. Just because the general economic environment in the US is highly inflationary thanks to the Feds obnoxious and practically criminal monetary growth, that doesnt necessarily mean real estate in a given small corner of the US will do well. And then we must consider deflation! Deflation is caused by relatively less money chasing relatively more goods, services, and real estate. In deflationary environments money supplies shrink and prices drop. As long as the American people allow the private Federal Reserve bank to continue its tyranny of inflationary theft, there will never be less money in the US economy than there is today. But, muddying the waters even further, the historical line between money and credit is now exceedingly blurry. Because Americans love going into debt, they insist on buying their houses on time, with borrowed money at high interest rates, rather than working hard, saving the funds themselves, and paying cash when they can afford to buy a house outright. While deflation in the US money supplies is probably impossible with the Fed around, deflation in debt, or credit, is already happening. With Americans not actually buying houses outright but really in effect borrowing them from banks, any contraction in available debt will leave less credit available to chase houses. With less credit chasing residential real estate, prices will be forced to fall. But, just as with inflation, it is difficult or impossible to predict how the contraction in general credit available to buy houses will affect real estate in any given small area of the United States. Confused yet? Me too. There are both titanic inflationary and monstrous deflationary forces barreling down on the United States. But, residential real estate markets are all local and many will be affected differently. Deflationary forces could win out in New York City for instance, causing home values to plummet while at the same time inflationary forces win out in Wyoming causing house prices to rise. Real estate is all local. In the stock markets, it is meaningless whether you buy a share of a publicly-traded company in New York or California. In real estate where you buy your house is everything! Location, location, location. Since all real estate markets are really local, perhaps there are some warning signs that you can watch for in your little corner of America to warn of impending real estate price drops. While national generalizations about monetary inflation or debt/credit deflation regarding real estate are tough to make, zooming in to the local level for analysis has a much higher probability of success. Stock speculators throughout history have learned to carefully monitor equity markets for danger signs of maturing bubbles. All markets, including real estate, move in great cycles throughout history, marked by rampant euphoria at the tops and popular indifference at the bottoms. Perhaps applying some common bubble warning signs in equity markets to your local real estate market will yield some interesting fruit. Three common warning signs for equity bubbles are parabolic price rises, excessive valuations, and overwhelming euphoria. In real estate, parabolic price rises happen when a local market witnesses prices rocketing up by 15%+ per year, for years in a row. If you go to your local library and look at old newspaper classified ads, or else secure local data from your hometown real estate professional, you can easily graph it in Excel. If prices of comparable homes across time are shooting up on a long-term zeroed-chart like a ballistic missile, like the bubbles in the NASDAQ 2000 and DJIA 1929, you are most likely in the belly of the beast, a local unsustainable real estate bubble. Check out bubble growth graphed, it sticks out like a central banker at a rock concert! This graph shows values indexed to 100, but you can just as easily think of them in terms of dollars, starting out at $100k. Imagine you bought a house 25 years ago for $100k, a lot of money back then. If your house price appreciated by 5% per year compounded annually, it would now be worth $339k, which is totally plausible and makes sense. On the other hand, if your house had appreciated by 15% each year, it would now be worth $3,292k, or $3.3m! This is a massive increase in price, and it ought to throw up big red warning flags all across your cranium. Does it make sense for a $100k house to become a $3.3m house in only 25 years? Absolutely not, that is just silly! As the graph above shows, abnormally high growth rates make for parabolic charts, bubbles that look just like the stock market variety. If your local real estate market is ascending parabolically like the NASDAQ of 1997-2000, you are in a bubble. History unambiguously shows that no financial trend continues in the same direction forever and all bubbles ultimately pop. Unrealistic annual growth rates are a key bubble warning sign. For a deeper discussion of unrealistic growth rates over the long-term, please see my essay The Elusive Long-Term from last August. Another warning sign of equity bubbles is excessive valuations. In the stock markets, valuations are most commonly measured by the formidable yet often scorned price-to-earnings ratio. The historical average P/E ratio for US equity markets is 13.5x earnings. We can also apply this concept to real estate holdings. While most people buy a house simply to live in, it is also possible to buy a house to use as a rental property. In a residential house used as a single-family rental, there is a price, the cash paid for the house, and an earnings stream, the rent the family pays to the owner. With a real estate P and E, we can compute a rough real estate valuation multiple. If a rental property costs $100k to buy, and rents for $1000 per month, or $12k per year, its P/E ratio is 8.3. Even though most families dont own a separate rental property, with a little legwork you can check your local newspapers and calculate some rough P/E proxies for your area. Find houses for sale similar to yours to get price data points. Find houses for rent similar to yours to get earnings data points. Divide the P by the E, and you have a rough valuation estimate. I dont know what a reasonable average long-term residential real-estate P/E is. I suspect it is probably in the 10-20 range though, as that implies a 5% to 10% return on the owners capital, which is in line with historical returns available across a broad market spectrum. If you find that houses in your area are renting for implied P/Es of under 20 or so, that is a good sign that house prices may be fair. Conversely, if you find houses in your area renting for implied P/Es of over 20, valuations are probably too high and you should be wary of a potential real estate bubble. Another common warning sign of equity bubbles is rampant and unbridled widespread euphoria. Remember the NASDAQ in 1999 and early 2000? It was unreal! All anyone ever talked about was the NASDAQ, how boring. As a hard-traveling consulting road warrior at the time, I remember even the shoeshine boys at airports were talking about their tech stock investments as they polished shoes. It was just crazy, just as brilliant historians like Charles Mackay of Extraordinary Popular Delusions and the Madness of Crowds fame (written in 1841) warned us it would be. It is difficult to empirically quantify euphoria, but there is no mistaking it if you keep your ears open and pay attention to what folks are talking about in your social circles. If you find yourself in a local situation where the preferred topic of conversation at every social get-together is always residential real estate and the great wealth to be made in home ownership, chances are euphoria is setting in and you should proceed with great caution. Just as parabolic price rises, excessive valuations, and overwhelming euphoria are danger signs of bubble tops in the stock markets, they are also equally valid danger signs in local real estate markets. It is probably a wise idea to periodically monitor these three fronts. In addition to stock market-like traits, there are also other factors that affect local real estate prices. These include net local migration patterns, income trends, and interest rates. One of the most important local factors in house prices is migration. If you live in or near a community that is growing as more people move in each year, that increases the pool of potential bidders competing for local houses. Prices are far more likely to rise in an environment of net in-migration. On the other hand, if your community is shrinking, both the number of people and amount of capital available to throw at residential real estate dwindles. This is a bad omen for future real estate prices in your area. Typically cities grow and rural areas shrink as people seek the jobs available in cities. This is not always the case though. As the Information Age continues to evolve, a new population of workers is growing, the information worker. Info workers deal purely in information, like a software programmer. It is often not important where they live, as they rely on the Internet to work remotely with their colleagues and clients. Info workers often earn high salaries and have the means to bid up home prices. Zeal LLC , my company, is an example of an Information Age venture. My partners and I can research, consult, trade, and write from anywhere on Earth. It makes absolutely no difference to you whether I penned this essay in Alaska, Australia, Argentina, or the Azores. Info workers, whose ranks will grow dramatically in the coming decade, are very blessed to be able to live and work from anywhere. So, if you live in an area of exceptional natural beauty and very high quality of life, prime rural areas, an influx of urban information refugees from the decaying carcasses of the megalopoli will probably help support real estate prices in your location even through tough economic times. It may make sense to buy real estate in elite communities like the Colorado or California mountain resort towns even if the US economy faces very turbulent times ahead. The Information Age will probably totally alter the dynamics of rural real estate in prized areas. Another factor to consider is income trends in your area. Ultimately, real estate prices in a given location can never increase faster than income over the long-term. Even for the vast majority who choose to go into debt to live in a house, the level of debt service they can afford is totally dependent on their income. If general income trends in your community are rising, that is a great sign and is bullish for real estate prices. On the other hand, if general income is falling, for any reason, that suggests real estate prices will have to correct downward to adjust for the loss of debt-servicing ability necessary for folks to borrow money and buy residential real estate. Interest rate levels are also intimately tied into this whole debt service capability. As all those burdened with a mortgage know, for many years most of the monthly payments are almost totally interest. It takes a long time and a huge amount of money dumped down the mortgage black hole, into bankers pockets, before the amortization starts taking good-sized bites out of principal each month. Amazingly, in the first 2/3 of a typical 30-year mortgages lifespan, the interest portion of each monthly payment exceeds the principal portion. So, if interest rates are heading higher due to Greenspans promiscuous inflation as I have discussed in past essays including Bond Anomalies Abound , it will severely retard debt-financed residential real estate purchases nationwide. Although interest rates havent turned north yet, history suggests they will be forced higher sooner or later as the bubble excesses are painfully squeezed out of the US economy. In summary, attempting to divine real estate price trends is very difficult in a macro sense. There are a great deal of diverse variables that affect real estate prices. In addition, unlike the stock market, there is no national real estate market. All real estate is local, so national trends must be examined for your particular situation in light of the local realities in your community. Nevertheless, if you do your own due diligence and integrate local real estate data you uncover into national post-bubble trends, you should be able to emerge with a fairly good idea of where your local residential real estate prices might be heading. Adam Hamilton, CPA August 23, 2002 Do you enjoy these essays? Please subscribe to our acclaimed private Zeal Intelligence newsletter today to see the good stuff each month, including our specific stock and options trades based on our research! For more information ... Zeal Intelligence For a FREE sample ... FREE Samples! To subscribe ... 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