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USA REAL ESTATE DIRECTORY - INDEXED BY STATE Real Estate Services Indexed by State FIND NEW HOMES | FIND RENTAL APARTMENTS | REAL ESTATE FORECLOSURES Valuecom Real Estate GOLD providesa nationwide forum of Real Estate Agent Listings indexed by state. If you are looking for a real estate agent in your state or one in a state you wish to inquire about propertiesplease select a state below to browse the listing. If you are an agent and would like to sponsor a particular state please contact us by clicking here . 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Illinois Real Estate areas include Chicago, Rockford, Peoria, Springfield, Kankakee, Carbondale, Bloomington, Champaign-Urbana, Decatur, Charleston-Mattoon, Danville, Effingham, Macomb, Ottawa-Streator, Quincy, in or about Illinois. Search for Indiana Real Estate, home rentals, Real Estate , in or about diana homes for rent, houses for rent, rental homes, and apartments in Indiana. Search for apartment rentals in IN, in or about Indiana townhomes, or Real Estate in IN. Indiana Real Estate areas include Indianapolis, Fort Wayne, Evansville, South Bend, Northwest Indiana, Elkhart-Goshen, Lafayette, Terre Haute, Anderson, Muncie, Bloomington, New Castle, Michigan City, Rensselaer, Vincennes, Columbus, Crawfordsville, Kokomo, Wabash, Madison, Marion, Richmond, in or about Indiana. Search for Iowa Real Estate, home rentals, Real Estate , Iowa homes for rent, houses for rent, rental homes, and apartments in Iowa. Search for apartment rentals in IA, Iowa townhomes, or Real Estate in IA. 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Massachusetts Real Estate areas include Boston, Worcester, Springfield, Lowell, Framingham, Pittsfield, Taunton, Leominster-Fitchburg, Haverhill, Nantucket, Lawrence, Martha's Vineyard, Amherst, North Shore, Salem, Cape Cod, New Bedford, Brockton, in or about Massachusetts. Search for Michigan Real Estate, home rentals, Real Estate , Michigan homes for rent, houses for rent, rental homes, and apartments in Michigan. Search for apartment rentals in MI, Michigan townhomes, or Real Estate in MI. Michigan Real Estate areas include Detroit, Grand Rapids, Flint, Lansing, Ann Arbor, Battle Creek, Midland, Royal Oak, Saginaw, Benton Harbor, Jackson, Cadillac, Bay City, Muskegon, Kalamazoo, Traverse City, Monroe, Big Rapids, Houghton, Holland, Mount Pleasant, Marquette, Sault Ste. Marie, Gaylord, in or about Michigan. Search for Minnesota Real Estate, home rentals, Real Estate , Minnesota homes for rent, houses for rent, rental homes, and apartments in Minnesota. Search for apartment rentals in MN, Minnesota townhomes, or Real Estate in MN. Minnesota Real Estate areas include Minneapolis-St. Paul, New Ulm, Worthington, Winona, St. Cloud, Northfield-Faribault, Mankato, Marshall, Red Wing, Bemidji, Brainerd, Rochester, Duluth, Lake of the Woods, Detroit Lakes, Thief River Falls, in or about Minnesota. Search for Mississippi Real Estate, home rentals, Real Estate , Mississippi homes for rent, houses for rent, rental homes, and apartments in Mississippi. Search for apartment rentals in MS, Mississippi townhomes, or Real Estate in MS. Mississippi Real Estate areas include Jackson, Corinth, Gulfport-Biloxi, Columbus, Greenville, Greenwood, Grenada, Hattiesburg, Laurel, Meridian, Oxford, Pascagoula, Starkville, Tupelo, Vicksburg, in or about Mississippi. Search for Missouri Real Estate, home rentals, Real Estate , Missouri homes for rent, houses for rent, rental homes, and apartments in Missouri. Search for apartment rentals in MO, Missouri townhomes, or Real Estate in MO. Missouri Real Estate areas include St. Louis, Springfield, Jefferson City, Cape Girardeau, Branson, Joplin, St. Joseph, Columbia, Fort Leonard Wood, Hannibal, Kirksville, Lebanon, Maryville, Poplar Bluff, Rolla, Sedalia, Sikeston, Warrensburg, West Plains, in or about Missouri. Search for Montana Real Estate, home rentals, Real Estate , Montana homes for rent, houses for rent, rental homes, and apartments in Montana. Search for apartment rentals in MT, Montana townhomes, or Real Estate in MT. Montana Real Estate areas include Helena, Butte, Great Falls, Missoula, Billings, Bozeman, Kalispell, Bitterroot Valley, in or about Montana. Search for Nebraska Real Estate, home rentals, Real Estate , Nebraska homes for rent, houses for rent, rental homes, and apartments in Nebraska. Search for apartment rentals in NE, Nebraska townhomes, or Real Estate in NE. 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Search for apartment rentals in RI, Rhode Island townhomes, or Real Estate in RI. Rhode Island Real Estate areas include Providence, in or about Rhode Island. Search for South Carolina Real Estate, home rentals, Real Estate , South Carolina homes for rent, houses for rent, rental homes, and apartments in South Carolina. Search for apartment rentals in SC, South Carolina townhomes, or Real Estate in SC. South Carolina Real Estate areas include Charleston, Columbia, Greenville, Myrtle Beach, Lancaster, Greenwood, Hilton Head Island, Georgetown, Florence, Sumter, Newberry, Orangeburg, Chester, Seneca, Spartanburg, Union, Anderson, Gaffney, Walterboro, in or about South Carolina. Search for South Dakota Real Estate, home rentals, Real Estate , South Dakota homes for rent, houses for rent, rental homes, and apartments in South Dakota. Search for apartment rentals in SD, South Dakota townhomes, or Real Estate in SD. South Dakota Real Estate areas include Sioux Falls, Rapid City, Aberdeen, Brookings, Huron, Mitchell, Pierre, Spearfish, Watertown, Vermillion-Yankton, in or about South Dakota. Search for Tennessee Real Estate, home rentals, Real Estate , Tennessee homes for rent, houses for rent, rental homes, and apartments in Tennessee. Search for apartment rentals in TN, Tennessee townhomes, or Real Estate in TN. Tennessee Real Estate areas include Nashville, Memphis, Knoxville, Chattanooga, Sevierville, Cookeville-Crossville, Athens, Clarksville, Cleveland, Columbia, Harriman, Jackson, Johnson City, Kingsport, Martin, Morristown, Paris, Tullahoma, in or about Tennessee. Search for Texas Real Estate, home rentals, Real Estate , Texas homes for rent, houses for rent, rental homes, and apartments in Texas. Search for apartment rentals in TX, Texas townhomes, or Real Estate in TX. Texas Real Estate areas include Dallas, Fort Worth, El Paso, San Antonio, Amarillo, Austin, Waco, Lubbock, Midland-Odessa, Corpus Christi, Laredo, Brownsville, Abilene, Beaumont, Wichita Falls, Houston, Killeen, College Station, Texarkana, Brownwood, Del Rio, Huntsville, Kingsville, Longview, Lufkin, Marshall, McAllen-Edinburg, Nacogdoches, Plainview, San Angelo, Sherman, Stephenville, Tyler, Victoria, in or about Texas. Search for Utah Real Estate, home rentals, Real Estate , Utah homes for rent, houses for rent, rental homes, and apartments in Utah. Search for apartment rentals in UT, Utah townhomes, or Real Estate in UT. Utah Real Estate areas include Salt Lake City, St. George, Provo, Logan, Ogden, in or about Utah. Search for Vermont Real Estate, home rentals, Real Estate , Vermont homes for rent, houses for rent, rental homes, and apartments in Vermont. Search for apartment rentals in VT, Vermont townhomes, or Real Estate in VT. Vermont Real Estate areas include Burlington, Montpelier, Rutland, St. Johnsbury-Newport, Brattleboro, Bennington, in or about Vermont. Search for Virginia Real Estate, home rentals, Real Estate , Virginia homes for rent, houses for rent, rental homes, and apartments in Virginia. Search for apartment rentals in VA, Virginia townhomes, or Real Estate in VA. Virginia Real Estate areas include Virginia Beach, Norfolk, Richmond, Newport News, Fredericksburg, Roanoke, Lynchburg, Charlottesville, Williamsburg, Blacksburg, Danville, Harrisonburg, Martinsville, Lexington, Staunton-Waynesboro, Winchester, in or about Virginia. Search for Washington Real Estate, home rentals, Real Estate , Washington homes for rent, houses for rent, rental homes, and apartments in Washington. Search for apartment rentals in WA, Washington townhomes, or Real Estate in WA. Washington Real Estate areas include Seattle, Spokane, Tacoma, Vancouver, Olympia, Yakima, Bellingham, Kennewick-Richland, Longview, Wenatchee, Bremerton-Silverdale, Walla Walla, Ellensburg, Moses Lake, Port Angeles, Pullman, Mount Vernon, Oak Harbor, Centralia, Aberdeen, Shelton, in or about Washington. Search for Washington DC Real Estate, home rentals, Real Estate , Washington DC homes for rent, houses for rent, rental homes, and apartments in Washington DC. Search for apartment rentals in DC, Washington DC townhomes, or Real Estate in DC. Washington DC Real Estate areas include in Washington DC. Search for West Virginia Real Estate, home rentals, Real Estate , West Virginia homes for rent, houses for rent, rental homes, and apartments in West Virginia. Search for apartment rentals in WV, West Virginia townhomes, or Real Estate in WV. West Virginia Real Estate areas include Huntington, Charleston, Morgantown, Parkersburg-Marietta, Weirton-Steubenville, Wheeling, Beckley, Bluefield, Clarksburg, Fairmont, Point Pleasant, in or about West Virginia. Search for Wisconsin Real Estate, home rentals, Real Estate , Wisconsin homes for rent, houses for rent, rental homes, and apartments in Wisconsin. Search for apartment rentals in WI, Wisconsin townhomes, or Real Estate in WI. Wisconsin Real Estate areas include Madison, Green Bay, Milwaukee, La Crosse, Appleton, Eau Claire, Janesville, Oshkosh-Neenah, Racine, Sheboygan, Wausau, Baraboo, Beaver Dam, Fond du Lac, Manitowoc, Marinette, Menomonie, Platteville, Stevens Point, Watertown-Fort Atkinson, Whitewater, Wisconsin Rapids-Marshfield, in or about Wisconsin. Search for Wyoming Real Estate, home rentals, Real Estate , Wyoming homes for rent, houses for rent, rental homes, and apartments in Wyoming. Search for apartment rentals in WY, Wyoming townhomes, or Real Estate in WY. Wyoming Real Estate areas include Cheyenne, Casper, Evanston, Gillette, Jackson, Laramie, Riverton, Rock Springs, Sheridan, in or about Wyoming.



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Rentals South Carolina vacation rental - condo / house - Hilton Head Island South Carolina Myrtle Beach South Carolina North Myrtle Beach South Carolina vacation condo or house rental Home Page = USA Vacation Rentals = South Carolina Vacation Rentals Rentals in South Carolina Vacation Rental Properties A new window will open for each individual rental property clicked on. (#) - pictures - availability calendar Vacation Property for rent in South Carolina include: (cities are added as listings become available) 2005-12-29  Hilton Head Island Myrtle Beach North Myrtle Beach Hilton Head Island South Carolina vacation rental return to top of South Carolina page or return to state list of USA vacation rentals Hilton Head Island South Carolina vacation rental Oceanfront Breakers #222 Great Location - Coligny Circle (3) Listing #144 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): $500 - $850 Hilton Head Island South Carolina vacation rentals New Tile & Appliances! 2 Pools S. End of Island near Coligny (3) Listing #9 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Villa Sleeps up to 4: Weekly Rate (USA Dollars): 300 - 750 Hilton Head Island South Carolina vacation rental Picturesque PD Resort Villas Close to Beach, Golf & Tennis (3) Listing #15 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 8: Weekly Rate (USA Dollars): 625 - 1075 Hilton Head Island South Carolina vacation rentals Lowest Rates - Outdoor Pool S. End of Island near Coligny (3) Listing #327 Hilton Head Island Accom:  2 Bedrooms 1 Full Bath Villa Sleeps up to 6: Weekly Rate (USA Dollars): $300 - $700 Hilton Head Island South Carolina vacation rental Hilton Head Resort #1110 Ocean, Marsh and Lagoon Views! (3) Listing #148 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): 450 - 700 Hilton Head Island South Carolina vacation rentals Hilton Head Beach and Tennis Resort (2) Listing #430 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Villa Sleeps up to 6: Daily Rate (USA Dollars): $100 - $100 Hilton Head Island South Carolina vacation rental Sea Pines 1BR Near Harbor Town Pool, Tennis, Bike to Beach (3) Listing #257 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Villa Sleeps up to 4: Weekly Rate (USA Dollars): $600 - 900 Hilton Head Island vacation rentals TRUE DIRECT OCEANFRONT VIEW Totally Remodeled+Luxurious! (6) Listing #75 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Villa Sleeps up to 4: Weekly Rate (USA Dollars): $550/wk - $795/wk Hilton Head Island South Carolina rental French Villa @ Shipyard 3 Bdrm, 3 Bath - Golf, Lagoon (2) Listing #267 Hilton Head Island Accom:  3 Bedrooms 3 Full Baths 1 Half Bath Villa Sleeps up to 11: Weekly Rate (USA Dollars): 650 - 1450 Hilton Head Island South Carolina rentals BREAKERS #240 FANTASTIC VIEW TRUE DIRECT OCEANFRONT ENDUNIT (3) Listing #22 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 4: Weekly Rate (USA Dollars): 400 - 925 Hilton Head Island South Carolina vacation rental Hilton Head Ocean Villa Condo Gold Rated HHB&T Ocean View (3) Listing #72 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): 495 - 750 Hilton Head Island South Carolina vacation rentals HILTON HEAD 2 BD OCEAN VILLA OCEAN FUN THAT'S AFFORDABLE (3) Listing #296 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): $650.00* - $850.00* Hilton Head Island South Carolina vacation rental Quiet Colonnade, Walk to Beach Shipyard-on Beach Path (3) Listing #10 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 560 - 895 Hilton Head Island South Carolina vacation rentals Island Club of Hilton Head Oceanfront Condo (3) Listing #41 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 900 - 1199 Hilton Head Island South Carolina vacation rental Hilton Head Resort #2203 Fabulous Oceanview (3) Listing #274 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 5: Weekly Rate (USA Dollars): $500.00 - $750.00 Hilton Head Island South Carolina vacation rentals HILTON HEAD CONDO WITH BEAUTIFUL OCEAN VIEW (3) Listing #25 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 4: Weekly Rate (USA Dollars): $550/week - $950/week Hilton Head Island vacation rental Brand New 3 Bedroom Villa Terrific Golf Views (3) Listing #31 Hilton Head Island Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 837 - 1395 Hilton Head Island South Carolina vacation rentals Economy Oceanside Rental Private Ocean Access (3) Listing #273 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): 450 - 700 Hilton Head Island South Carolina vacation rental Shipyard/Beachwalk Dream Villa Steps to Beach; 2 Bikes (3) Listing #4 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): $575 - $850 Hilton Head Island South Carolina rentals #1 Family Oceanfront Resort Tennis Villa (3) Listing #1 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): $600 - $975 Hilton Head Island South Carolina rental VIP 3 BD Villa Balcony Views Indoor Pool Balcony Views Also Listing #314 Hilton Head Island Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 900 - 900 Hilton Head Island South Carolina vacation rentals Best Kept Secret in HH Family or Golf Vacation (3) Listing #259 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): $375 - $775 Hilton Head Island South Carolina vacation rental Tennismaster Internet & Bikes Snowbird Rates (3) Listing #302 Hilton Head Island Accom:  3 Bedrooms 3 Full Baths 1 Half Bath Townhouse Sleeps up to 10: Weekly Rate (USA Dollars): 700 - 1395 Hilton Head Island South Carolina vacation rentals Spectacular Ocean Views and Affordable for You (3) Listing #51 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): $500 - $750 Hilton Head Island South Carolina vacation rental Hilton Head Island Villa Near Beach - Fiddler's Cove (3) Listing #177 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): 700 - 850 Hilton Head Island vacation rentals Recenly awarded "VIP" status!! Adjacent to Harbourtown Golf (6) Listing #106 Hilton Head Island Accom:  4 Bedrooms 4 Full Baths Townhouse Sleeps up to 10: Weekly Rate (USA Dollars): $1200/wk - $1700/wk Hilton Head Island South Carolina vacation rental #1 PARADISE VACATION GREAT FAMILY RESORT (3) Listing #270 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $500.00 - $850.00 Hilton Head Island South Carolina vacation rentals HHI Beach & Tennis Club Beautiful Ocean View (6) Listing #232 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $400 - $550 Hilton Head Island South Carolina vacation rental Fantastic Resort Villa Affordable Too (3) Listing #320 Hilton Head Island Accom:  2 Bedrooms 2 Full Baths Villa Sleeps up to 6: Weekly Rate (USA Dollars): 500 - 750 Hilton Head Island South Carolina vacation rentals Affordable and Family Oriented Just Steps to the Beach (3) Listing #76 Hilton Head Island Accom:  1 Bedroom 1 Full Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $350/week - $600/week Hilton Head Island South Carolina rental Palmetto Dunes Villa Palmetto Dunes Villa (3) Listing #42 Hilton Head Island Accom:  4 Bedrooms 3 Full Baths Townhouse Sleeps up to 10: Weekly Rate (USA Dollars): 1000 - 2000 Myrtle Beach South Carolina vacation rentals return to top of South Carolina page or return to state list of USA vacation rentals Myrtle Beach South Carolina rentals Beautiful Shore Dr. Condo Oceanfront, Side View (3) Listing #159 Myrtle Beach Accom:  2 Bedrooms 1 Full Bath 1 Half Bath Condo Sleeps up to 6: Weekly Rate (USA Dollars): $400 - $975 Myrtle Beach South Carolina vacation rental Sun and Fun Beach Villa Rental On Beautiful Shore Drive (3) Listing #254 Myrtle Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $600.00 - $950.00 Myrtle Beach South Carolina vacation rentals Lovely Myrtle Beach Resort Huge New Lazy River for 2005! (3) Listing #332 Myrtle Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): 359 - 999 Myrtle Beach vacation rental Kingston Plantation Oceanfront 3BR / 3BA, OF 3 Balconies (3) Listing #261 Myrtle Beach Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 10: Weekly Rate (USA Dollars): 1500 - 3300 Myrtle Beach South Carolina vacation rentals Fabulous View - Ocean & Pool Ocean Forest Villas (3) Listing #40 Myrtle Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $336 - $1064 Myrtle Beach South Carolina vacation rental Ocean Forest Villa Condo Oceanview Condo (3) Listing #3 Myrtle Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $475 - $950 North Myrtle Beach South Carolina vacation rental return to top of South Carolina page or return to state list of USA vacation rentals North Myrtle Beach South Carolina vacation rentals Waterpointe I - On The Beach Spacious 3BR Condo (3) Listing #428 North Myrtle Beach Accom:  3 Bedrooms 2 Full Baths Condo Sleeps up to 8: Weekly Rate (USA Dollars): 700 - 1700 North Myrtle Beach South Carolina vacation rental North Myrtle Beach Condo Direct Ocean Front (3) Listing #23 North Myrtle Beach Accom:  3 Bedrooms 3 Full Baths Condo Sleeps up to 11: Weekly Rate (USA Dollars): $600 - $1600 North Myrtle Beach South Carolina vacation rentals Windy Hills Beach Front Balco Oceanfront and Pool View (3) Listing #244 North Myrtle Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $ 440.00 - $ 1100.00 North Myrtle Beach South Carolina vacation rental Ocean Front wt. Screen Porch Great View (3) Listing #265 North Myrtle Beach Accom:  2 Bedrooms 2 Full Baths Condo Sleeps up to 6: Weekly Rate (USA Dollars): $750 - $995



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MSN Money - Nothing quick about getting rich with real estate MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Investing Home Portfolio Markets Stocks Funds ETFs Commentary Brokers CNBC TV MSN Money Insight Jubak's Journal SuperModels Start Investing Strategy Lab Company Focus Mutual Funds Street Patrol Other Views Contrarian Chronicles TheStreet.com Resources Commentary Index Decision Centers Start Investing Mutual Funds Find Hot Stocks Simple Strategies Power Tools Investing For Income Real Estate Related Links Expert Picks Market Dispatches CNBC Stock Picks Message Boards Print-friendly version Send this to a friend Research any REIT Find top-performing mutual funds Sortable database of SEC filings Find stock winners with our screener Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site Map Recent articles by MP Dunleavey: • How to invest when you've got just $500 , 1/15/2004 • Your 3 worst debt consolidation moves , 1/11/2004 • Feel guilty if youre not shopping? , 1/4/2004 More... Related Sites Robert Allen Institute Millionaire Hall of Fame National Association of Realtors John T. Reeds Web site John T. Reeds reviews of the real estate gurus Carleton Sheets Web site Joe Crumps Real Estate Moneymaker.com The Basics Nothing quick about getting rich with real estate advertisement A real estate seminar promoter promised to create 1,000 new millionaires, but so far none are in sight. See what happened to his believers. By MP Dunleavey Like a lot of people these days, Marjorie Stark wouldnt mind making a little extra cash -- or even a lot of it. So when she attended an information session for Robert Allens Creating Wealth Through Real Estate seminar in New York, she was more than willing to pay $2,495 for Allens intensive three-day course on real estate investment strategies. Concerned about not having enough to retire on and wanting to pass along some wealth to her kids some day, the 62-year-old New York City educator said to me then: I am convinced that real estate is the way to go. I was there that night, too, and I could scarcely resist the mouth-watering idea that those three days could make me rich. As the guy leading the session announced: We are on a mission to create 1,000 new millionaires in 12 months! A year later, Stark isnt any closer to being a millionaire. She hasnt bought any new property nor made any money on real estate -- except for the rental property she owned before and bought the hard way (with cash and bank loans). She even admitted that when she saw Robert Allens newest venture was in vitamin sales, I thought I was going to puke. I was very disillusioned. But Stark is undaunted and still believes there are fortunes to be made in real estate. She just enrolled in another seminar at a local college on how to buy distressed and foreclosed properties, she says. With a full-time job, Im not sure how I can do it, but, boy, am I itching to go! Start investing with $100. Explore our new ETF center. Theres something about real estate Stark is not alone. The National Association of Realtors doesnt track independent real estate investment seminars or how many people attend them, but their allure springs eternal like the get-rich hopes of those who sign up for these courses. The odds of winning are not high. Robert Allens 1,000 new millionaires never materialized in the last year, for example. Allen operates whats called The Enlightened Millionaire Institute. Its Millionaire Hall of Fame Web site lists only 50 millionaires (defined as having generated gains averaging $2.6 million). A spokesman admits not all of them exclusively used the Allen method of real estate investing. (And, in a disclaimer, the site notes, No information has been verified or authenticated. Results vary. All successes are subject to one's own knowledge and effort.) Despite all that, the Robert Allen Institute still conducts two or three seminars a week in different cities and says it reaches about 1,200 people each month. (Thats 1,200 x $2,495 = $2.99 million a month, in case you left your calculator home.) Allen is just one of dozens of artful salesmen who preach fancy financing, no money down, flipping properties quickly and numerous other strategies to get rich buying and selling real estate. And the question all this preaching raises is, do these investment techniques, systems and strategies really work? Can they actually make you rich? After all, would people keep trying it if it couldnt be done? Or are hundreds of thousands of people simply seduced by expert sales pitches and swindled out of hundreds and sometimes thousands of dollars? Weighing the evidence Like so many things in life, it depends on whom you talk to. Or whose Web site you believe. John T. Reed is a real estate investment coach himself, based in Alamo, Calif. Hes also a self-appointed watchdog for this industry. He keeps the most exhaustive list I could find of dozens of so-called gurus, along with reviews of their techniques, books and other products. Although Reeds Web site , where you also can buy his various books for $29.95, reads a bit like he has a chip -- a very big chip -- on his shoulder, he was recommended by the National Association of Realtors as a serious investigator in the industry. Not that hes against real estate investment, or some of the reputable folks who teach their own hard-won wisdom. But those have been degraded by "the endless parade of B.S. artists coming into the real-estate-investment-advice field. It is an embarrassment to the good people in the business." And many people believe his grousing is justified. Norm Bour is the host of The Real Estate and Finance Hour on KLSX in Los Angeles, a top talk radio station. Hes worked in real estate as a mortgage lender and describes the proliferation of real estate seminars, workshops and scams as a major pet peeve. Case in point: foreclosures, he begins. Real estate in California has gone berserk in the last few years so people are looking for foreclosures to buy. The idea being you can buy a foreclosure more cheaply than other property and potentially gain a windfall when you sell it. But, as Bour notes, You can count on one hand how many actual foreclosure properties there are (for sale). Yet theres no lacking of people who are offering real estate foreclosure lists. One might pay $35 for a list, but it may be peppered with properties in other states. Its not fraudulent, but its certainly deceptive. The shady gray area Well-known personalities like Robert Allen or Carleton Sheets , who have extensive marketing organizations, are a little different, Bour says. They offer some very solid basics, but the number of people who can do what they propose is very small -- because they make it sound so much easier than it is. Thats what Josh Kelinson, a freelance advertising consultant in New York, found when he and two friends tried to follow the Sheets method. The three pals pooled their resources to master what Sheets preached, which is similar to the Allen method: buying property with no money down (or some other creative financing method) and flipping later on for a profit. One of his pals took the seminar, another bought the 8-CD set, etc. Thus inspired and determined, they tried to buy a building suitable for five apartments in Massachusetts, not far from where theyd all grown up. Kelinson says the actual experience of trying to buy an income property proved eye-opening. We spent a ton -- and I mean a ton -- of time on it. There was the approval process, the paperwork, getting lawyers. It took two to three hours a day, not including weekend travel time and unexpected snafus. I found it impossible to do with a full-time job. Ultimately, the project bogged down because of a major zoning problem. The building was in an area zoned for three apartments, and the building had been illegally converted into five apartments. The zoning authorities refused to grant an exception to the rules. Then, the building owner refused to return their deposit. The three were out $35,000. Still, Kelinson doesnt feel misled or duped by the Sheets method, and he and his friends are sure they can make it work with their next deal. There are a lot of other things out there that are scams, but this definitely can be done, he says. But investing in real estate is not nearly as easy as it looks, he says. Make sure you have the time to do it, he advises wannabe investors. If you dont allocate the time, it probably wont work. We want the system to work so much And therein lies the fundamental appeal, and ultimate trouble, of get-rich-quick (GRQ) strategies. Its the jackpot mentality, says psychologist Patricia Farrell, author of How to Be Your Own Therapist . Just like the schmoe who buys a winning lottery ticket -- every once in a while, someone, somewhere really does use these edgy real estate investment techniques to make millions. Its not the principles that are flawed, says Bour. Its the simplicity and ease that are overstated. Most of these courses are so seductive, Farrell says, because they operate according to a tried-and-true principle of behavioral psychology called the variable ratio reinforcement schedule. Basically, people (and rats) will persist in doing something, even with little or no return, if they are given the tiniest bit of hope of a coming reward. So the fact that some people do succeed at no money down strategies acts like a financial aphrodisiac for all those watching, waiting, hoping. So could the Starks and Kelinsons of the world be next? Is it just a matter of reapplying the Robert Allen/Carleton Sheets techniques until they work? Mark Wilson, one of the millionaires created by the Robert Allen Institute, would say yes. The president of Southeastern Housing Partners in Hickory, N.C., Wilson started investing in real estate in the late 1980s. We were doing OK, but nothing to write home about. Then in 2002, after hearing Robert Allen speak, Wilson paid $5,000 to join a one-year intensive coaching course. It changed his life, his business and, above all, his cash flow, he says. Although hed read Allen's No Money Down in college, the seminar focused more on another Allen signature strategy: developing multiple streams of income (from rentals, rehabs, buying foreclosed properties, commercial properties, etc.). Now, Wilson says, hes about to close a deal that will put his net worth at $8.5 million. He believes anyone can make big bucks from real estate if he or she is willing to take action -- not just sit on the sofa listening to tapes. Before you sign up, count to a million Of course, Wilson admits that it was easier for him to take the Robert Allen techniques and run with them. He had a lot of experience in real estate already. Most people, Bour points out, dont have those skills. And few people have the time or the diligence to acquire them. (Some skill sets you need to have -- and the course cant teach it to you, agrees Kelinson.) Bob Underwood of Stafford, Va., is one person who can testify to the fact that investing in real estate is not for those steeped in fantasy. Underwood bought an e-book from yet another author and teacher by the name of Joe Crump . Crump, who hails from Indianapolis, teaches a no-money-down technique, but he told me that he does it legally and ethically. Underwood, 43, has a wife and family and a full-time job -- and no time to muck about in real estate with no return. He paid Crump about $500 for one-on-one coaching in 2002 and, after a rocky start, has managed to buy three properties in the last two years. Hes sold one of them, made about $10,000, after taxes, in the process and is hoping to rehab and sell another this year. One deal Underwood did alone, the next was with a partner. He says theres no cookie-cutter method that works. What works, he says, is getting out into the market, investing the time to learn about the business, not neglecting your wife and kids (or day job), learning from your mistakes, making friends and getting advice from others as you move forward. Slowly, steadily and not particularly wealthily. Remember, you have to pay capital gains (taxes) on the profits, he says, so its not a lot of money in the end. But that, of course, isnt what people want to hear. People are lead to believe that all you need is the right plan and youll make a million, that if you use this system youll be rewarded, says psychologist Farrell. They dont realize that the possibility of getting that big reward is so remote. 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 Sponsored Links Fund data provided by Morningstar, Inc. © 2005. All rights reserved. Quotes supplied by ComStock , an Interactive Data company. 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



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Buying a house with credit problems Click Here to Take Charge of Your Credit Buying a House with Credit Problems It happens to many of us. Obligations. Debts. Monthly bills. They allcan combine to get the best of you and as a result, credit problems arise. In the not too distant past, this oftenmeant having to wait 5 years, 10 years or more before attempting to purchase a home. Now, however, there are sourcesthat can help those who are doing their best to re-establish a solid credit rating. Overcoming Credit Problems Determine precisely what the problems are. You will need to have a clear picture of your current credit status so that you know whatto concentrate on. The quickest and easiest way to accomplish this is to run a credit check and begin to analyzeit. We have made arrangements with FreeCreditReport to offer a free copy of your credit report as well as a trial offer of their CreditCheckmonitoring service. Click here to get your free report . Or, you can see a number of options for obtaining a copy of your creditreport at ConsumerInfo's Credit Center . If your credit needs repair, begin the process at once. There are "credit repair counselors" who will, for a fee that is usuallyin the range of several hundred dollars, help you with the process. Or, with the right information at your disposal,you can handle the process yourself. Fresh Start: The Authoritative Guide to Consumer Credit Repair is a complete, 250 page manual that is reasonably priced and gives you a step-by-stepprogram for handling the credit repair process quickly and legally. More information . Start by getting the problems under control now. Do not incur any new debt. Do your best to begin to live within your means. This will be an advantagenow, when you are applying for a loan, as well as later, when you will need to meet your monthly mortgage obligation. Make a a commitment to a program of saving. Even if you have had credit problems, there are options available for mortgages if youhave downpayment money available. There is little or no hope if you have both credit problems and no cash. Concentrate on your needs in housing before your wants . Re-establishing your financialfooting is not as difficult as it used to be, but it is impossible if you attempt to buy more house than makessense. Be conservative! Concentrate on those lenders who specialize in working with thosewho have had credit problems. Spending time (and money) applyingto lenders who do not work with credit blemishes will accomplish nothing. If you have a local source that you knowwill consider such loans, take advantage of them. Other sources, available online, such as LendingTree , which has a large networkof lenders nationwide, including those who have experience in dealing with credit problems. HOME | YourChecklist | To-DoLists | Agents | Mortgages | Questions | Finda Home | Inspections | Research | More Links | Bookstore



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Tax Deductions for Rental Property Home | About Us | Office Locator | Tax Resource Center | Investor Relations | FAQ | Contact Us | Site Map Tax Resource Center Tax Forms Tax Changes Tax Tips Deductions@Work Tax Calculators Tax Links What to Bring Checklist Top 50 Overlooked Deductions Top Overlooked Credits Tax Topics Disasters and Casualties Tax Education Tax Glossary Tax Trivia for Tax Year 2005 Home : Tax Resource Center : Tax Topics Rental Property If you own rental real estate, you should know how it impacts your personal tax return. Rental income must be reported on your tax return, and generally, associated expenses can be deducted from your rental income. Reviewing answers to the following common questions regarding rental property may help you understand the tax implications of rental property ownership: What is considered rental income? What deductions can I take as an owner of rental property? What are some things I should know about rental property? Contact your local Jackson Hewitt office for more information or assistance. Use the Office Locator feature available on this Web site or call 1-800-234-1040 to find the Jackson Hewitt location most convenient to you. What is considered rental income? Rental income is any income you receive for the use or occupancy of property you own. Some examples are: Rent Payment to cancel a lease Advance rent Expenses paid by the tenant Any security deposit kept because a tenant did not fulfill their part of the rental agreement Do not include: A security deposit you are holding with the intent of returning it to the tenant at the end of the lease Income received from renting your home for fewer than 15 days per year Back to Top What deductions can I take as an owner of rental property? Deductible expenses for rental property are the ordinary and necessary expenses to manage, conserve, and maintain your property. Deductible expenses include: Advertising in the newspaper for tenants and cost of signs Cleaning supplies Real estate taxes Mortgage and other interest paid for the rental property Cost of insurance-hazard, flood, fire, or liability Payments for service such as lawn care, pest control, and trash collection Payments for maintenance of the property Professional fees for tax advice and tax return preparation fees for the part of the tax return dealing with rental property Cost of new locks and keys Commissions paid for finding tenants Cost of necessary transportation to and from the rental property for the purpose of maintenance, management, rent collection, picking up supplies, or checking the property (if you use your personal vehicle, either keep track of actual expenses and miles traveled or just the miles traveled) Cost of repairs and maintenance (not improvements) to keep your property in good condition (this includes items such as repainting and fixing floors and windows) Cost of renting equipment used for the rental property Depreciation of the property (not including the land) Depreciation of appliances, furnishings, and improvements Any long distance calls associated with your rental property The court costs for evicting a tenant Legal fees pertaining to the rental property or tenants Utilities Expenses incurred when the property is not rented as long as you are actively trying to rent the property (even if you are renting it for the first time) You cannot deduct: Rental income lost due to vacancy The cost of improvements which increase the value and/or extend the life of the property or modify it for a new use (includes such things as a room addition, new carpet, new appliances, fencing, or a new roof - these items can generally be depreciated) Back to Top What Are Some Things I Should Know About Rental Property? If you rent only part of your property, certain expenses must be divided between the part used as rental property and the part used for personal purposes. If you do not rent your property for profit, you can deduct your rental expenses only up to the amount of your rental income. When rental property is sold, the resulting gain or loss is treated as ordinary or capital, depending on the circumstances. The rental of personal property such as equipment or vehicles is reported as business income. You are in the business of renting personal property if the primary purpose for renting the property is income or profit and you are involved in the activity on a continuous and regular basis. If your rental of personal property is not a business, other rules for reporting will apply. Losses from residential rental properties are subject to certain limitations. If you are considered a real estate professional, special rules apply for the reporting of income and losses. For more information, contact your local Jackson Hewitt Tax Service office. Back to Top Back to Tax Topics Tax Tips JOB-RELATED EXPENSES Some of your job-related expenses that may be deducted include union dues, job-related magazines and books, and other related business expenses. Generally, you must depreciate the cost of tools used in your work. If your employer requires you to wear work clothes or uniforms that are not suitable for everyday wear, you may deduct the cost and upkeep. home | about us | tax news | tackle your taxes | learn & earn | own a franchise | work with us | privacy/terms of use © 2004 Jackson Hewitt Inc. All rights reserved.




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