real estate agent here.

Arizona Real Estate Agent : Phoenix Real Estate Broker : Scottsdale Listing Home Sitemap Real Estate Agent Arizona Find your qualified Arizona real estate agent here. Whether you are trying to purchase a new house in Phoenix or trying to sell an existing home in Scottsdale, we can help. We have agents that specialize in commercial Arizona property as well. Many investors have a great interest in the Phoenix, AZ real estate market. Pros and Cons of Owning A Phoenix Single-Family Home Hottest Areas to Purchase Property in Arizona Arizona Real Estate In Phoenix With over 48,000 new home permits planned for 2004, Phoenix will become the largest housing market in the US. In fact, the population will double in the next 20 years. The highway system (ADOT)will complete over 233 additional miles of freeway by 2007 and the Phoenix airport is the fastest growing airport in the US. "The growth of the Arizona population will be the largest single contributor to this strong forecast performance." Interesting Phoenix facts: Population: 3,396,875 and Rising Median Age: 32.9 and Going Down Labor Force: 1,712,300 and Rising Unemployement: 4.9% and Going Down AZ Inflation Rate: 1.3% and Going Down Median Income: $45,776 and Rising Single-Family Permits: 46,000 and Rising Phoenix, AZ Housing Market Outlook The Phoenix housing market will be the beneficiary of favorable mortgage interest rates. There will continue to be plentifulsupply of mortgage money. The supply of land for development will remain plentiful. Overall, the next several years appear to be headed toward the best of the best times for the home building industry in the Arizona region. Specific Phoenix Real Estate Growth Areas: Laveen-Buckeye South of I-10 Loop 303 West of 99th Ave Bell Road / Sun Valley Pkwy North Sun Valley Pkwy South I-17 Happy Valley to Anthem Maricopa To Casa Grande Hunt Highway To Florence Florence, Coolidge, Eloy To Casa Grande Phoenix Arizona Real Estate Highlights The infrastructure in Phoenix is modern and extensive. The water supply is sufficient to meet the growth needs for over a hundred years. Due to the open land, Phoenixhas the largest amount of affordable real estate west of the Rockies. Phoenix is also 2nd in job growth for the 9th consecutive year. Phoenixwill become the #1 home building market in the United States. Arizona Economy Boosting Job Growth Arizona ranks 3rd among all states in the rate of new health care jobs. It also ranks #1 fastest growing in transportation, utilities,government, business services, construction, trade, and hospitality. Looking for an Arizona Real Estate Agent? Whether you're planning on buying or selling a home, choosing the right Real Estate Agent is one of the most important decisions you’ll make. Let Real Estate Agent Arizona help. Please enter your contact information below and a live Arizona real estateagent will contact you within 24 hours or sooner. Special Offer: FREE $300.00 Home Depot gift card upon close of escrow. Just fill out the contact form below to begin. Residential or Commercial. No Obligation, and it's FREE! *First Name: *Last Name: *Email Address: *Phone Number: Tell us what your needs are: First Time Home Buyer - Arizona Land For Sale - First Time Home Buyer - Southwest Architect - ARMLS Listing Service 2005 © Blue Gumbo LLC. All rights reserved.

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Mortgage Research Center : Loan and Mortgage Info Contact | Mortgage Rates | Mortgage Calculators Mortgages Refinancing Debt Consolidation Mortgage Resources Loans FHA Loan VA Loan What Type Of Loan Are You Looking For? Please Select.... VA Home Loan Home Loan VA Home Refinance Home Refinance FHA Home Loan What Is The Approximate Value Of Your Property? Welcome To The Mortgage Research Center! This site is designed to help educate you about mortgages, refinancing, debt consolidation, and various type of loans. You will be provided with comprehensive information on every aspect of the mortgage process. We will give you tips on when to refinance, what costs should be included in the closing fees when completing your mortgage, and calculators to help you determine how much you can spend and save! This is your first step in helping you achieve your financial security, so good luck! Register for the Home Buying Seminar Mortgage Refinance Find out how much you can save, when you should refinance, what type of refinancing is best for you, and other information. More Information Home Mortgage Are you buying a home? We provide you with resources to help you get all of the information you need when applying for a mortgage. More Information Debt Consolidation Determine how you can get out of debt by saving hundred's of dollars per month by combining your various payments (for credit cards, etc.). More Information Loans Looking to purchase a home with a special government loan? You may qualify for a FHA loan or VA loan. More Information Mortgage Sources We provide you with a list of reputable mortgage companies, mortgage brokers, and lenders to find one that best suits your financial needs. More Information Current Mortgage Rates Get current information on today's mortgage rates and get tips on when to lock in to a great interest rate. More Information Mortgage Calculators A variety of calculators will help you figure payments, total costs of loans, and display amortization tables and other options. More Information If you have questions or would like help with your mortgage, you can call us at 800-930-9201 . "Nathan, I wanted you to know that everything went very well at our closing. It was quite pleasant. Thank you for everything." -Vicki Ficklen Mcdonough, GA More Testimonials Equal Opportunity Lender License Information We can help you find the lender (mortgage bank) that can get you the best deal for your financial situation (including setting you up with the best financing rates and loan term). MRC does not originate loans in MA, NJ, NY, ND, PA, VT, NV, WV, or DC. If you are getting a mortgage in one of these states, we will help you by directing your information to a lender in your state. Get additional information about a VA Loan , Home Loan , or 1031 Exchange : Privacy Policy .

Home equity for the

MSN Money - Home equity for the holidays MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Financial Tools Track your bills Resources Decision Centers Home Buying Guide Home Financing Your Credit Rating Financial Privacy Better Banking Credit Card Smarts Bankruptcy Guide Commentary Index Related Links Manage Debt More on Budgeting Print-friendly version Send this to a friend See where rates stand Calculate your debt burden here Find a home-equity loan Find books on home buying Find It! Article Index Finance Q&A Tools Index Site Map Recent articles by Bankrate.com: • Mortgage rates hit 18-month high , 11/2/2005 • Best deal? Go to the source , 10/27/2005 • When it pays to stay single , 10/24/2005 More... The Basics Home equity for the holidays advertisement Borrowing from a home-equity loan for holiday spending is tempting because of the lower rates and tax-deductible payments. But theres a huge risk involved. By Bankrate.com This season, many consumers will charge against the home for the holidays. They will use home-equity debt to pay for gifts and travel. Some will do it directly, paying for presents and airline tickets with charge cards tied to home-equity lines of credit. More will do it indirectly, by using equity to pay off credit-card balances that end up as bloated as a turkey-sated family. Home-equity debt traditionally has been spent on investments that bring some kind of return -- renovating houses, paying for college, starting small businesses. More recently, as consumers have become more clever about using debt, equity loans are seen as a cheaper, smarter way to consolidate debt and pay for such items as cars and furniture. But gifts and airline tickets to visit family? Believe it or not, bankers and consumer advocates agree that there are times when it's appropriate to pay for something so fleeting by charging it against the roof over your head. It's not exactly wise to go into debt to pay for presents, but if you're going to do it, you might as well do so as inexpensively as possible. Find a loan that's right for you at the Loan Center Debt for gifts "Don't let these things be excuses to be in debt. That's the issue," says Anthony Hsieh, president of Home Loan Center, an online lender based in Orange County, Calif. If you listen long enough to AM radio, you are likely to hear a holiday-themed sales pitch for these loans, which allow you to borrow money and use the accumulated equity in your home as collateral. Generally, it takes two to four weeks to get access to the money after you apply. Home-equity loans, also known as second mortgages, come in a lump sum. You repay them with equal monthly payments at a fixed rate for a specified period. Related news and commentary on MSN Money • Gift cards are not gifts • 15 worst holiday gift ideas • The fine art of holiday tipping: why, who and how much • The 13 worst holiday spending blunders • 12 rules for regifting without fear • 10 low-cost gifts from the heart Home equity lines of credit, or HELOCs, on the other hand, work like credit cards. Instead of getting a lump sum, you start out with a credit line and can draw up to the credit line's limit. During the first years of the account, the minimum monthly payment covers only the interest on the balance. The rate is variable and usually is tied to the prime rate. The tax deduction On both kinds of equity debt, the interest you pay is deductible from your federal income taxes in most cases. That's the key, Hsieh says. If you decide to take some time to pay off your holiday debt, why not do it with tax-deductible interest? "Is it irresponsible to dig into equity (to pay for gifts?)" Hsieh asks. "Yes. But if you're going to get into debt and you're disciplined enough to pay it off in a predetermined time, there is an advantage to using a HELOC because the interest is deductible." Rudy Cavazos of Money Management International , a national, nonprofit credit-counseling agency based in Houston, agrees that buying things with low-rate home equity debt "beats using that credit card" with higher rates and no tax-deduction. But he's not sure every consumer understands all the differences between regular credit cards and cards tied to HELOCs, including the biggie: "You're placing your home on the line as security, as collateral, for these funds." No walking away from equity debt Sure, the HELOC has a lower rate and the interest is tax-deductible. But the regular credit card is unsecured, meaning that the balance is not backed by collateral -- so the debt can be wiped clean in some bankruptcies. Not so with a card tied to a HELOC. If you buy your godson a Christmas gift with your HELOC, you are pledging your house as collateral. You can't walk away from the debt, even in bankruptcy. This important point might not be stressed at the time of the loan application. That's why Cavazos recommends that consumers get some kind of loan counseling before they take out home-equity loans or get HELOCs. Consumer credit counseling agencies, such as MMI, often hold workshops or do one-on-one education for people who get home loans of all kinds. Cavazos hears radio advertisements all the time that urge listeners to use home equity as a way to consolidate debt "or improve their lifestyle in some way. That's all good, but you have to remember to educate yourself before you enter into these types of financial tools." When it comes to gifts and holiday travel, the best financial tool is to stay away from debt in the first place. Instead, use the financial tool that can't be beat: a savings account. Editors' choice Don't get scammed by your mover Safeguard your Social Security number 5 ways to tap into the onshore drilling boom Your checkbook just became obsolete Turn $1 a day into $67,815 Readers' choice Ratings Top 5 Articles 9.30 Zombie debt collectors dig up your old mistakes 9.24 Keep thieves out of your bank account 9.22 Credit reports now free for entire U.S. 9.19 10 ways to avoid outrageous hospital overcharges 9.17 Tax breaks for Katrina victims -- and all of us View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help

Investment Property Calculator An

Investment Property Calculator http://www.dinkytown.net -- Financial Calculators http://www.dinkytown.net -- Investment Property Calculator An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property. Investment Property Calculator Property Address PROPERTY_ADDRESS Property Information PROPERTY_INFO Financing Information Purchase Price PURCHASE_PRICE Cash Invested CASH_INVESTED Loan #1 Amount LOAN_1_AMOUNT    Interest Rate INTEREST_RATE_1    Monthly PI LOAN_1_PI    Term in Months TERM_IN_MONTHS1 Loan #2 Amount LOAN_2_AMOUNT    Interest Rate INTEREST_RATE_2    Monthly PI LOAN_2_PI    Term in Months TERM_IN_MONTHS2 Property & Depreciation Information Land Value LAND_VALUE Personal Property PERSONAL_PROPERTY Building Value BUILDING_VALUE Personal property depreciation PERSONAL_PROPERTY_DEPRECIATION at PERSONAL_PROPERTY_DEPR_RATE depreciation Building depreciation BUILDING_DEPRECIATION at BUILDING_DEPR_RATE depreciation Total Depreciation TOTAL_DEPRECIATION Gross Operating Income Annual Rent ANNUAL_RENT Less Vacancy LESS_VACANCY Gross Operating Income GROSS_OPERATING_INCOME Annual Expenses Real Estate Taxes REAL_ESTATE_TAXES Utilities UTILITIES Insurance INSURANCE Maintenance/Repairs MAINTENANCE_REPAIRS Advertising ADVERTISING Admin/Legal ADMIN_LEGAL Supplies SUPPLIES Miscellaneous MISC Total operating expense TOTAL_OPERATING_EXPENSE Operating expense ratio OPERATING_EXPENSE_RATIO Tax and Appreciation Rates Tax bracket TAX_BRACKET Appreciation rate APPRECIATION_RATE Cash Before Taxes Gross Operating Income GROSS_OPERATING_INCOME Operating expense - TOTAL_OPERATING_EXPENSE Net Operating Income = NET_OPERATING_INCOME Annual Debt Service - ANNUAL_DEBT_SERVICE Cash Flow Before Tax = CASH_FLOW_BEFORE_TAX Cash After Taxes Net Operating Income NET_OPERATING_INCOME Total Interest - TOTAL_INTEREST Total Depreciation - TOTAL_DEPRECIATION Taxable Income = TAXABLE_INCOME Tax Paid or Saved TAX_PAID_OR_SAVED Cash flow after tax CASH_FLOW_AFTER_TAX Rates of return Total appreciation TOTAL_APPRECIATION Return on Investment with appreciation RETURN_ON_INVESTMENT_WITH_APPRECIATION Return on Investment without appreciation RETURN_ON_INVESTMENT_WITHOUT_APPRECIATION Cap Rate CAP_RATE Cash on Cash CASH_ON_CASH Schedule **REPEATING GROUP** Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. " This Financial Calculator requires a Browser with Java(TM) applet Support. If you are seeing this message you will need to download SUN's Java(TM) Plug-in. This can be done simply, and automatically, by clicking the link below: Get the Java(TM) Plug-in! Definitions Cash Invested The money, you the investor, actually have to put down on the property. (out of pocket). Usually it is the amount of earnest money you invest in property. Interest Rate The amount of interest the investor pays annually to borrow money from the lender. Rates and programs can vary, check with lender for more information. Land Value The approximate value of the land that the property sits on. Usually available on the tax records in the county the property resides. You can not deprecate land value. Personal Property Anything that you have that is used for the investment property, such as washer/dryer, range, refrigerator lawn equipment, fixtures and other. Personal Property Depreciation Rate The rate annually you can depreciate on the personal property. Building Value Depreciation Rate Recovery period for five-year personal property. Year Percentage 1 20% 3 14.20% 5 11.52% 2 32% 4 11.52% 6 5.76% Appreciation The amount the property is on an annual basis appreciation occurs on entire value of the property Loan P & I P=principle, I=interest Total Depreciation Total amount you can depreciate annually on personal property and building value. Gross Operating Income The amount of income available after vacancy. Total Annual Operating Expense The total annual expenses including real estate tax, repairs, management fees, insurance, utilities, supplies, and other miscellaneous expenses. Operating Expense Ratio It's the percentage amount- based on the income 23 - 30% is considered average. Net Operating Expenses Total annual amount of expenses. Cash Flow Before Tax What's left after expenses, principle payment and interest. Annual Debt Service Your payment to lender including principal and interest. Equal Principle Reduction The amount left annually as you pay down the principle and interest. Return on Investment w/appreciation Cash flow before tax + principle reduction + taxes saved/paid + appreciation divided by cash invested. Includes appreciation. Return on Investment w/ out Appreciation Does include same formula above except appreciation. Cap Rate AKA= Net operating income divided by price, capitalization rate, rate of return- Anything in Double Digits is Fantastic! Cash on Cash Cash flow before tax % cash invested. Investment Appreciation Annual Percentage of increase of appreciation of property. Total Return The total analyzation of returns of the property. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Florida Real Estate Market

Florida personal injury lawyers, real estate attorneys, corporate lawyers - Oppenheim Pilelsky, P.A. What's Hot: NEW: Oppenheim Pilelsky spearheads a $5 billion class action lawsuit against DuPont for failing to warn consumers about Teflon dangers. Click here for more.. Dupont sued over alleged carcinogen Lawsuits filed in S. Florida allege Teflon is linked to cancer S. Fla. law firms to lead Teflon class action For more articles Click Here NEW: Roy Oppenhim discusses the Teflon Class Action lawsuit on NBC-6. Click Here NEW: WSVN-7 covers the Dupont Class Action Lawsuit. Click Here NEW: WPLG-10 covers the Dupont Class Action Lawsuit. Click Here NEW: WPEC-12 covers the Dupont Class Action Lawsuit. Click Here For More TV Stories Click Here Founded more than fifteen years ago by a husband and wife legal team , Oppenheim Pilelsky, PA is uniquely positioned as one of Florida's leading boutique law firms with offices in Ft. Lauderdale and Tampa, serving national, international, and local clients. The firm's old fashioned approach of personalized service has contributed to our expanding family of clients. The Firm's practice areas include personal injurylaw, real estate, commerciallitigation, business related matters, and consumer related class actions. Thefirm is outside general counsel to a myriad of residential and commercial developers,coordinating all legal related matters and is outside counsel to manufacturersof suppliers to big box retailers, coordinating litigation, and handling distributionissues and intellectual property disputes. In addition, the firm is regularlyinvolved with representing clients concerning real estate development and investment. Clients also include professional athletes, elected officials, and high profileFlorida entrepreneurs concerning their business, estate and family matters. TheFirm is particularly media savvy and assembles the finest team of professionalsin the the legal profession and other disciplines for high profile matters. What's New: Recent hurricanes deliver leasing troubles for tenants Roy Oppenheim Comments on the Future of the Millennium Mall. Working more than 40 hours and not getting paid for it, please read Employment claims in Florida . Whistle Blowers in Florida : Over the past several years the firm has been proud to represent a number of whistle blowers in connection with high profile related companies and industries. New Whistleblower protection under Federal Law! Roy Oppenheim discusses the South Florida Real Estate Market on the WPBT-Channel 2 program "Issues." Roy Oppenheim discusses the Florida Homeowners' Construction Recovery Fund High Bandwidth Version Low Bandwidth Version Roy Oppenheim discusses Medical Malpractice Crisis. High Bandwidth Version Low Bandwidth Version Roy Oppenheim discusses Medical Malpractice Crisis. High Bandwidth Version Low Bandwidth Version Recent hurricanes deliver leasing troubles for tenants . Read more about hurricane damage and lease issues here . Oppenheim Pilelsky spearheads a $5 billion class action lawsuit against DuPont for failing to warn consumers about Teflon dangers. Read more about the Dupont Teflon case here . Roy Oppenheim shares his views on the white-hot South Florida Real Estate Market during a guest appearance on WPBT-TV. Read more about the broadcast , or click here to watch video of the show now. Oppenheim comments on music industry crackdown on illegal piracy. Read more about Florida music piracy lawsuits . Oppenheim & Pilelsky Attorneys and Civic Leaders who have Blazed a Trail through our City. Read more about how we're making a difference in Weston and Broward County Oppenheim Pilelsky Represents Custom Home Builder in a $22.5 Million Property Purchase in Boynton Beach. NEW: Roy Oppenheim named one of the Daily Business Review's Top Dealmakers for 2003 Oppenheim Pilelsky Represents Developer in $11.2 Million Sale of Weston Retail Plaza. It’s a Sign of the Times: Oppenheim Pilelsky, Weston’s Oldest Law Firm, Expands into New Offices. Parents of St. John's Meningitis Victim File Wrongful Death, Medical Malpractice Suit Against Mayo Clinic-Jacksonville and Others. The Florida Times - St. Johns girl's parents sue over meningitis death . St. Augustine Record - Lawsuit filed by family of teen who died of meningitis . Oppenheim Pilelsky Law Firm Successfully Negotiates Lease-to-Purchase Deal for Old Hollywood Fashion Mall. Oppenheim Pilelsky Announces Closing of Construction Loan for Hallandale Yacht Club Hallandale Beach luxury condo project going up on last available lot near Intracoastal. Hialeah Widow Settles Lawsuit Against Doctor Who Misdiagnosed Her Husband's Fatal Heart Attack for $362,500.00. Woman Settles Lawsuit Against South Broward Hospital District and Dania Women's Center in Spina Bifida Case. Tampa Bay Area Law Office Opened by Renowned South Florida Attorney Roy Oppenheim. Oppenheim Pilelsky Law Firm Announces Closing on Millennium Plaza at Weston. Oppenheim Pilelsky Law Firm Announces Closing on Millennium Plaza at Parkland. Landmark Custom Ranches Development Announces Closing on Land For Multi-Million Dollar Homes at Weston Border. Family Settles Lawsuit Against MacDill Airforce Base in Deadly Meningitis Case. Miami Woman Awarded Nearly $1 Million in Winn Dixie Slip-and-Fall Case. Updates Archive >> Weston Law Firm Overview - Practice Areas - South Florida Litigation - Florida Real Estate Law Florida Corporate Litigation - Florida Family Law - Sitemap Other Areas - Biography Of Attorneys - Representative Cases - Recent Deals Media - Press Releases - Published Legal Articles - Media Clips - Contact Us Related Links - Employment Opportunities - Disclaimer © 2003. 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