real estate brokers and

DOL - Real Estate Real Estate WELCOME to the website for the Real Estate program of the Business and Professions Division of the Department of Licensing. The Real Estate program, in conjunction with the Washington Real Estate Commission, provides public protection in the real estate marketplace through the education and licensure of real estate brokers and salespersons. The Washington Real Estate Commission is appointed by the Governor to advise the Director regarding the rules and regulations governing the activities of real estate licensees. The commission is authorized to hold educational conferences and authorized to prepare and conduct examinations for licensure. WHAT'S NEW: Online Renewal Service Available Real Estate Licensees now have the option of renewing online. The online renewal process can be used to provide continuing education and renewal payment information using a Visa or MasterCard debit or credit card, along with a unique password, which will be shown on your Notice to Renew. When the Renewal process is complete, a confirmation screen will be displayed that you can print for your records. Your license will be sent to the address on file within 14 business days.This alternative approach to renewing will provide a convenient and efficient process that is currently in use by many other departments. If you have any questions, please contact Real Estate Licensing by calling (360) 664-6500 or via email at RealEstate@dol.wa.gov . New Real Estate Administrator Mr. Lee Malott has accepted the Real Estate Administrator position.Lee comes to us from the east side of the mountains from the great city of Walla Walla and brings a wealth of knowledge and experience with him from the private sector. Lee has 10 years experience as a real estate salesperson and has been a memberof the Washington Association of Realtors. His most recent years of his career have been spent successfully in the hospital administration arena--leading large groups of employees working in hospital/nursing home settings. Lee will join us on Monday, October 17th as Real Estate, Appraiser, Timeshareand Camp Resort Section Administrator. 18.85 RCW Revision Task Force Information Join our mailing list - If you are interested in becoming a subscriber, you can sign onto the DOL Real Estate Program LISTSERV® today. There is no cost to subscribe and you may delete your address at any time. Change in Real Estate Fees - Effective June 27, 2005, the Department of Licensing is suspending the collection of the $26.50 fee for name and address changes and transfer. (WAC 308-124A-460) As a reminder, requests for the above changes postmarked before June 27, 2005 must still submit the required fee. Questions? Call (360) 664-6500 or email realestate@dol.wa.gov. As part of the Department of Licensing's ongoing initiative to ensure that real estate licensees endeavoring to earn the broker's (or associate broker's) license are receiving appropriate pre-license training, the Washington Center for Real Estate Research (WCRER) is coordinating a curriculum review. The current contents of the Brokerage Management and Business Management courses were adopted in late 1995 or early 1996, and have not been substantially reviewed until now. If you have recently taken either or both of those courses and have suggestions for modification to their content or emphasis, please forward your suggestions to the WCRER at wcrer@wsu.edu. Prescribed Core Curriculum Requirement The Washington State Real Estate Commission and Department of Licensing have adopted new rules that will require the completion of 3 clock hours of prescribed core curriculum, beginning with renewal dates on or after June 1, 2004. Core CurriculumRequirement Scenarios Notice to all Active Real Estate Licensees and Real Estate Schools Recognition Agreements Check the statusof a professional license. - An Internet-based application designed to give you access to Professional Licensing data. You can navigate the system using full and partial name, license number and other search criteria to perform searches for professional licensing information. FEATURES: Audit Guidelines Real Estate Resources - ARELLO Publications available. Washington State Guidelines for Advertising and Procuring Prospects on the Internet - Adopted September 19, 2000 Guidelines for Using Unlicensed Assistants SERVICES PROVIDED: Washington Real Estate Salesperson's License. Washington Real Estate Broker's License. Information on Examination Locations and Times. Information on Education Services and Publications. Prescribed Core CurriculumRequirement The department has revised its course approval application toprovide for approved providers to designate a course as including theprescribed curriculum. (Word Document) Information on Washington Center for Real Estate Research. - (To be able to use this link, your browser will need to support frames.) PUBLICATIONS: Real Estate Course Catalog Real Estate License Disciplinary Guidelines Washington Real Estate Curriculums For Real Estate related questions please e-mail RealEstate@dol.wa.gov . For Real Estate Audit related questions please e-mail ReAudit@dol.wa.gov . Mailing Address: Department of Licensing Real Estate Audit Section PO Box 2445 Olympia, WA 98507-2445 Phone Number: (360) 664-6515 Fax Number: (360) 570-4941 Please view the right side of this website for the various Real Estate licensing section's telephone and fax numbers. What's New Fees Forms Services Features Publications Meetings & Minutes FAQs Professional Licensing Internet Query Brokers License Salespersons License Appraisers Main Page Real Estate Education Washington Real Estate Commission Real Estate Complaint Form Real Estate Licensing Program Disciplinary Actions Washington Real Estate Licensing Law: RCW 18.85 Real Estate Brokerage Relationships: RCW 18.86 General Provisions: WAC 308-124 Licensing & Exams WAC 308-124A Brokers Office WAC 308-124B Records WAC 308-124C Operational Procedures WAC 308-124D Trust Accounts WAC 308-124E Education WAC 308-124H URBP - RCW 18.235 Telephone: Salesperson & Brokers Licensing Section: (360) 664-6488 or (360) 664-6500 Fax: (360) 586-0998 Education Section: (360) 664-6505 Fax: (360) 570-4977 Real Estate Audit Section: (360) 664-6515 Fax: (360) 570-4941 Office Hours: 8:00 a.m. to 5:00 p.m. Fees Accepted: 8:30 a.m. to 4:30 p.m. Pacific Time Monday through Friday Write: Department of Licensing Real Estate Program PO Box 9015 Olympia, WA 98507-9015 Business Location: 2000 4th Avenue West, Olympia, WA 98502 E-Mail: RealEstate@dol.wa.gov ReAudit@dol.wa.gov

Land Loan Up to

Members 1st Federal Credit Union - Home Equity Loan Rates Thursday, December 29, 2005 Home | About M1 | Contact Us Events | News | What's New Online Services Deposit Accounts Loans Rates Business Services Investing Membership Locations Loan Rates Deposit Account Rates VISA Credit Card Rates Disclosures Vehicle Loans Mortgages Home Equity Loans Student Loans Variable Rate Loans Luxury Loans Miscellaneous Loans Calculators Home Equity Loan Rates Printer Friendly Format Members 1st can help with quick, convenient, low-cost financingfor the purchase of new and used automobiles, passenger vans and pickup trucks. All rates are expressed as ANNUAL PERCENTAGE RATES. Rates are subject to change without notice. Loan rates as low as those listed beloware effective Thursday, December 29, 2005 Home Equity Loan Up to 80% Equity * Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 180 Months 6.49 6.74 Payment Buster 6.64 6.74 Home Equity Loan Up to 100% Equity * Term APR 12 Months 5.99 24 Months 6.24 36 Months 6.24 48 Months 6.74 60 Months 6.74 84 Months 6.99 120 Months 6.99 Land Loan Up to 80% Equity Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 144 Months 6.49 6.74 Land Loan Up to 90% Equity Term APR 12 Months 5.74 24 Months 5.99 36 Months 5.99 48 Months 6.49 60 Months 6.49 84 Months 6.74 120 Months 6.74 * Home Equity Loan rates are for primary residences only (consult your loanofficer for rental property rates). Your rate my vary from what is listed and will be determined by your individual credit profile and Loan to Value. All rates reflect a .20% reduction for Payroll Deduction /Direct Deposit / Auto Transfer. Savings insured by the National Credit Union Administration Equal Housing Lender Equal Opportunity Lender Fraud & Security Center ©2004 Members 1st Federal Credit Union Mechanicsburg, Pennsylvania Internet Terms of Usage Privacy Statement

Florida Real Estate Bubble

Florida Real Estate Bubble Stock Market Crash History Bear Market Forecasting Stock Market Crash! - The authority on the market crash phenomenon Home | Site Map | Blog | News Term Glossary | Book Review | Bear Market Sites Florida Real Estate Bubble The 1920’s, in America, were a time of great prosperity. Skilled and educated working Americans had jobs providing numerous fringe benefits, paid vacations and pensions. In addition, automobiles were becoming commonplace for the wealthy and middle class allowing cross country travel. This good fortune set the stage for the Florida real estate bubble . Starting in 1920, many Americans became enamored by the materialistic and prosperous lifestyle of the time. During this time, the stock market was moving forward at an extremely fast pace. Many investors were becoming quite wealthy. Florida became a hot spot for these newly rich people, who didn’t enjoy the cold. Many whole families took vacations to Florida. It was at this point that tourism started booming and land prices were skyrocketing. Many astute investors took notice and started buying Florida real estate. The population in Florida was growing exponentially and housing couldn’t meet the demand. Florida became the “playground of the rich and famous”. Illegal casinos and drinking parlors became widespread in Miami. At this point, almost anybody could invest in Florida, even without much money. Credit was plentiful and soon everybody in Florida was either a real estate investor or a real estate agent. In 1922, the Miami Herald became the heaviest newspaper in the world as a result of its humongous real estate advertisements. People in the North heard about the real estate prices “doubling and tripling”, causing a snowball effect. Capital was rapidly pumped into the real estate market. Whole golf communities were developed, such as Temple Terrace. Resorts and retirement communities were developed almost overnight. Mansions were sprawling in every area, as were swimming pools. As always, waterfront property was the most desirable. Florida was seen as a veritable Utopia. Real estate prices quadrupled in less than one year. An elderly man invested $1,700 in property and by 1925 the property was worth over $300,000! It seemed you could do no wrong by just buying any property in Florida and become a millionaire. By 1925, real estate prices had become so exorbitant that buying land wasn’t affordable any longer. New investors failed to arrive and old investors started to sell. Panic arrived, as it always does, and the real estate market crashed. Prices kept moving downwards as heavily indebted investors tried to sell to avoid bankruptcy . In most cases, no buyers arrived, and the investors were bankrupt from the enormous mortgages. To make matters even worse, a highly destructive hurricane ravaged South Florida in September 1926. The 125 mile an hour winds eventually turned Palm Beach County into swamp lands. After the storm, a huge tidal wave crashed upon the towns of Belle Glade and Moore Haven. Due to these horrible turn of events, over 13,000 homes were destroyed and 415 people died. Additionally, the arrival of the Mediterranean fruit fly obliterated the large citrus industry. It took years for Florida to fully recover, even through the highly prosperous time from 1925 to 1929. Florida was barely affected in the stock market crash of 1929 and the Great Depression , because of its poor financial state from the start. Market crashes always occur in the same manner. Regardless of the market, the same simple psychological underpinnings are always at work. People who are caught up in a bubble never look back for historical examples. For this folly, they become paupers. “Those who cannot remember the past are condemned to repeat it.” Links to other Florida Real Estate Bubble Websites The Biggest Market Crashes in History: The Florida Real Estate Bubble Bear Market Articles • What Exactly is a Market Crash? + The inner details • Does Everyone Lose in a Crash? + The answer may surprise you! + What it takes to be an insider • Can Crashes be Forecasted? + Learn the warning signs + Take action! • The Housing Bubble + Why it is destined to pop + How you will be affected • The Coming Crash! + Prepare for the worst Financial Crisis History 1. Tulip Bulb Mania - Read about the Dutch tulip craze in the 1630's 2. South Sea Bubble - Learn about England's disastrous stock market crash in the early 1700's 3. Mississippi Bubble - The financial scheme which caused a stock market crash in 18th-century France 4. Florida Real Estate Bubble - The speculative boom and implosion of Florida property in the 1920's 5. Stock Market Crash of 1929 - The Great Crash + Depression 6. Stock Market Crash of 1987 - Mayhem and program trading 7. The Nikkei Bubble - The downfall of the Japanese titan 8. The Collapse of Barings Bank - Read how England’s oldest, most established bank was collapsed by a single trader. 9. The Nasdaq Bubble - The mania of Silicon Valley and Wall Street Home | Site Map | Blog | News Term Glossary | Book Review Bear Market Sites

Buy House

For Sale By Owner, homes for sale, houses, real estate, for sale - ForSaleByOwner.com Sell a Home Buy a Home Services Mortgages City Profiles Appraisals Service Directory Foreclosures Mortgages Service Providers Appraise Your Home Moving & Relocation Home Improvement Title Company Search Insurance Lawyers Virtual Tours Home Builders Real Estate Agents Research What is FSBO? City Profiles City Comparisons School Reports Crime Comparisons Salary Calculator Cost of Living Comp. Home Sale Prices Tools Free eBook DIY Software Mortgage Calculators Home Selling Guide Home Buying Guide Ad Writing Tips Real Estate Forms Home Buying Checklist Utilities Connections Your Credit Report Glossary Real Estate News Edit Your Ad Modify Your Ad Cancel Your Ad Upload Photos Help/FAQ BUYING A HOME? Search the largest real estate database of For Sale By Owner homes for sale! 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We sell the most houses for sale by owner, proving our house selling strategies sell more homes than any site in home selling. Moreover, your home's selling price is determined by you, not a real estate broker who takes a 6% fee for selling your home. Proven Home Selling Record Since 1997, For Sale By Owner has helped sell thousands of houses, saving home owners billions of dollars in real estate commissions. ( click here for more details ) Unparalleled Exposure We are among the top-five most visited real estate sites in the world and the largest "For Sale By Owner" homes for sale site. ( For Sale By Owner.com statistics ) Easy to Use For Sale By Owner makes home selling a sellers dream. We provide the best customer service in the industry with 24/7 support and a comprehensive "Home Selling" guide for selling a home yourself. ( for a guide on selling your home click here ) Affordable Prices For Sale By Owner provides several packages to suit your individual needs. List your home for sale with markets starting at only $89.95. ( for prices in your area click here ) Sell Your Home Guaranteed Home Owner; if your home doesn't sell, we'll give you your money back. That's correct. Your house will sell or you'll receive a full refund! ( For Sale By Owner house selling guarantee ) Act now, and start selling your house on your own in the largest For Sale By Owner site (with up to 6 color home photos and a 1,000 word house description - try buying that in a newspaper ad). Sell your home for sale by owner and market your fsbo home to millions of home buyers that might be looking to buy a home just like yours. Want to see what your home could look like on For Sale By Owner.com ? Check out our featured Home click here What Will I Save? Calculate your savings when you use us! You save ! City Profiles Find Out more about your new location! Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware DC Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Home Mortgages 30-year fixed: 5.25% 15-year fixed: 4.50% School Report Cards Get the facts on public schools before you make your move. 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foreclosure property Kansas Foreclosure

Kansas Foreclosure Listings Information at Business.com Advertiser Center · Help Web News People Jobs Search the Business Internet ® Kansas Foreclosure Listings Databases and listings of residential, government and bank-owned foreclosures in Kansas. Home > Real Estate & Construction > Property Listings > Foreclosure > US States > Kansas Sponsored Links Stop Foreclosure Now Stop The Foreclosure On Your Home Today! We Can Help. Act Now. www.usahud.com Pre Foreclosure Listings Most up-to-date lists available Az, Ca, Fl, Mi, Nm, Nv, Wa www.defaultresearch.com Kansas Foreclosures Find a Foreclosure & Save Up to 50% Below Market! Search Now for Free. www.foreclosurefreesearch.com Kansas Foreclosure Search 500,000 National Foreclosure Reos, Auctions & Trustee Sales Free www.bankhomesdirect.com Kansas Foreclosures Save Big on KS Foreclosures 400,000 properties. Free trial. www.RealtyTrac.com Free Foreclosure Search Save up to 50% on your next home purchase. Start your free trial now www.ForeclosureTimes.com Popular Searches Forclosure property listings in Kansas foreclosure homes in Kansas foreclosure listings in Kansas homes foreclosed in Kansas Kansas foreclose home Kansas foreclosure home Kansas foreclosure house Kansas foreclosure list Kansas foreclosure listing « more more popular searches [x] Kansas Foreclosure Listings Kansas foreclosure properties Kansas foreclosure property Kansas Foreclosure property listing Kansas foreclosure real estate Kansas foreclosures Kansas home foreclosure Kansas house foreclosure Kansas real estate foreclosures Featured Listings RealtyStore: Kansas Foreclosure Listings Save 20 - 50% on Foreclosure and HUD real estate. Ideal for investors, bargain hunters and first timers. Free trial membership (Credit Card required). www.realtystore.com RealtyTrac: Foreclosed Property Listings in Kansas Provides foreclosure search engine for Kansas with daily data updates, tax roll information, and photographs. Free 7-day trial. www.realtytrac.com Sponsored Links I'm Paying Cash For Homes Any Price, Condition, Or Location Sell Your Home Quickly & Easily www.webuyhomesaz.com Foreclosure Listings Buy Foreclosures from 50% off Search 600,000 listings for only $1 www.Bargain.com/Foreclosures We Buy Homes Fast We will buy your house directly from you. No Fees AllHousesAZ.com Fresh Bankruptcy Lists Custom lists. Phone #, address, etc Accurate. Daily Updates. High ROI. www.ClickData.com Listings FederalHomes.com: Kansas Offers state-specific foreclosure listings for residential properties. Includes local mortgage and realtor resources. www.foreclosurenet.org ForeclosureFreeSearch.com: Kansas Free online resource offers foreclosure property listings by state. Includes links to mortgage and real estate information resources. www.foreclosurefreesearch.com ForeclosureNet.net: Kansas Foreclosure Listings Offers bank foreclosure and government foreclosured property listings in Kansas and across the US. Homes, rental properties, and commercial. Free Trial. Free Trial | Search Listings | Foreclosure Info. | Testimonials www.foreclosurenet.net RealEstateForeclosures.net: Kansas Browse foreclosure property listings in Kansas. Click on the map to find listings in that area. www.realestateforeclosures.net RealtyStore: Kansas Foreclosure Listings Save 20 - 50% on Foreclosure and HUD real estate. Ideal for investors, bargain hunters and first timers. Free trial membership (Credit Card required). www.realtystore.com RealtyTrac: Foreclosed Property Listings in Kansas Provides foreclosure search engine for Kansas with daily data updates, tax roll information, and photographs. Free 7-day trial. www.realtytrac.com Registry Line: Kansas Offers a daily feed of foreclosure property listings in Kansas. Become a member to access complete listing details. www.registryline.com Search the Business Internet ® Advertiser Center | Account Login | About Us | Careers at Business.com | Featured Listings Privacy | Terms Of Use | 2000-2005 Business.com, Inc. All Rights Reserved