land loan products are

Viewpoint Paid Discussion: Mortgages and Investments Wednesday, August 17, 2005 at 1 p.m. ET I'm interested in hosting a Viewpoint paid discussion Viewpoint discussion archive Welcome to Viewpoint, a live discussion forum on washingtonpost.com. This forum offers washingtonpost.com sponsors a platform to discuss issues, new products, company information and other topics. Mortgage Loans and Investment Properties Interested in a mortgage, home equity or refinance loan? Want to learn more about investment properties? Lonnie Cooper, top producer at Absolute Mortgage Co., was online Wednesday, August 17 at 1 p.m. ET to discuss mortgages, the recent interest-only craze or the ins and outs of investment properties. Lonnie Cooper is a senior loan officer at Absolute Mortgage Incorporated in West Chester, Pennsylvania. Lonnie closes approximately $7 million per month in mortgage volume over the past four years. Before coming to Absolute Mortgage, he worked as a loan officer at Independence Mortgage Group and was made partner. Lonnie also owns several rental properties and can provide suggestions and solutions for being a landlord. Lonnie is a graduate of Penn State University. The transcript follows. _______________________ washingtonpost.com: Welcome to Viewpoint. Our guest today is Lonnie Cooper with Absolute Mortgage Co. to answer your questions about loans, mortgages and investment properties. Let's get started! Lonnie Cooper: Lets do it. _______________________ Oaks, Pa.: How do you close so many loans each month? Lonnie Cooper: Hello Oaks, I close approximately 35-40 mortgages each month. _______________________ Washington, D.C.: Hi Lonnie, Thanks for taking my question. My husband and I have been in our house for about a year. We recently received a notice from our mortgage company that basically said our escrow amounts hadn't actually covered everything that the escrow pays for (taxes and insurance). So, we had a shortfall, and we should send in a large chunk of money so our mortgage wouldn't increase by $150 a month beginning in October. Okay. So, even if we do send in the large amount, our mortgage is still going to increase by about $70 because of our increased county taxes. Now, I'm a newbie at this, but is this normal? Does this happen to other people, etc.? Does everyone's mortgage increase when their county taxes increase? We have a 30-year fixed mortgage by the way. I'm sure I sound like a complete idiot, but any insight you could share would be great, since in the past we have had ZERO response from our mortgage company when we've had questions. Lonnie Cooper: I'm sorry to hear that you are getting zero response from them. Taxes often go up and unfortunately the lender has to re-structure your escrow account accordingly. You certainly don't sound like an idiot. _______________________ Washington, D.C.: I keep on hearing that interest only loans are a bad choice and that people are using them to afford homes they could not with a traditional 30. What do you think? Lonnie Cooper: Interest only loans are very popular right now. Unfortunately, many people are taking them for the wrong reason. If used properly by the right person, an interest only loan can make sense. In the current housing market, homes are becoming less and less affordable and an interest only loan is the only way that many people can qualify for the loan. My personal opinion is that if you can't make at least the amortizing arm payment (meaning principal and interest) then you probably are looking at too much home. _______________________ Edgewater, Md.: I am in the process of buying a house that I think we will have for a long time, but I am thinking about starting out with an interest only loan with a 7 year arm and refinancing at some point to a 30 year mortgage. Do you think this is the wrong approach? Lonnie Cooper: I do think it is the wrong approach. Rates are at an historical low. 7 years from now you very well may be looking at not only a large rate spike but also a much bigger payment when the principal is also involved. _______________________ Fairfax, Va.: I have a home equity loan and I am maxed out at $100k. I want to extend that to upgrade my house. Do I have to totally apply for a new loan or can I just ask the bank to extend the line of credit? Lonnie Cooper: Hello Fairfax, Often the lender that you have with the existing home equity loan will allow you to extend it. _______________________ Arlington, Va.: What is the best loan product for new construction that will not deliver until mid-spring 2006? We would like to lock in our rate asap but do not know what is the best. Thank you. Lonnie Cooper: Hello Arlington, Many builders have special deals with local banks and their own mortgage companies. They offer long term locks for your situation with a variety of options. Regarding the product, my answer would be the same for you even if you were closing in 30 days- Take an arm if you know that this isn't your 'long-term' home or go with a fixed if it is. _______________________ Camarillo, Calif.: What is your opinion on mortgages for retired people? Your opinion on paying cash for property or financing it? Thank you. Lonnie Cooper: Hello Camarillo, I often get asked by people in the 70's and 80's whether or not they can apply for a 30 yr mortgage. Even though lenders can discriminate for income, credit, employment etc, they can't discriminate for age. So, that being said, if you need the money take it. Mortgage money is the cheapest out there. There are reverse mortgages out there as well for retirees. They often make sense as well. "Cash is king" as they say- but if you have it and it helps you sleep at night paying for your home outright is a wonderful feeling. (Or so I've heard) _______________________ Rockville, Md.: Hi Lonnie, I am a consultant and have a 2-3 year assignment that will keep me in Baltimore during the work week. I currently own a home in Rockville and have a roommate. Recently, I have been thinking about buying a place in Baltimore and also getting a roommate there to help pay for the mortgage. What are the implications of borrowing equity from my current home to buy the new home? What are the tax implications of actually residing in both homes? -Sandra Lonnie Cooper: Hello Sandra, I try not to give out too much info on tax advice as it often varies from state to state. I believe that the other home needs to be 50 miles from your primary residence to qualify as a 2nd home. If its not, it would be viewed as a rental property- ie higher rate etc. There are definitely deductions available for rental properties - consult your CPA. _______________________ Fairfax, Va.: My primary loan is for $300,000 and is a 30-year. I am looking at getting a vacation property. What can I do to get the best rate on my second property? Lonnie Cooper: Hello Fairfax, If its a true second home aka vacation property, the rate will be identical. If there is plenty of equity in your current home you can take out a line of credit, but they are variable and prime seems to be going no where but up. Our rates are available at www.absolutemortgageco.com and my extension is 104 if you'd like to talk later. _______________________ Goshen, Ind.: Could you please elaborate on what the pros and cons of interest only loans and what is negative amortization? Thank you. Lonnie Cooper: Hello Goshen, I was cut short on my response previously. I'd like to apologize to the submitter of that question. Some quick pros are: 1- They create a significant amount of cash flow 2- They enable you to qualify for more 'house' Cash flow enables the owner to take that difference and invest it into the stock market or pay down other non deductable debts. Cash flow for a real estate investor allows for immediate positive income. Qualifying for more house enables for example a young Doctor get into a larger home knowing that his income will be going up in the near future. _______________________ Washington, D.C.: Is this a good time to look for investment property, even though the market is about to bust? Lonnie Cooper: Investment properties are always available, but because of the national real estate buying craze the 'deals' are much harder to find. Like anything else in life, its a matter of hard work and who you know- meaning get a great realtor and an even better mortgage guy. (Okay so I'm a little biased on this one) Regarding the market bursting- many top analysts feel its going to slow down but not necessarily bust. If your question is would you be buying at the top of the market right now, I'd have to say probably. _______________________ San Diego, Calif.: What is a free float down? Lonnie Cooper: Hello San Diego, A free float down is a product that Absolute Mortgage (the company that I work for) offers along with a few others. Basically its a s simple as "if the rates go lower while you are locked in, you get the lower rate" Its a product that brings a lot of people to us and when the rates go down, people love benefitting from it. It basically makes locking in a win-win _______________________ Falls Church, Va.: Does Absolute Mortgage offer long-term interest only loans and are these available on investment properties? Thank you. Lonnie Cooper: Yes, we offers long term interest only loans. These come in quite a variety. They can be fixed/adjustables that are fixed for the first 10 years or 30 years fixed that are interest only for the first 20 years. There are some that are interest only for all 30 as well. The rates obviously vary on all of these. Yes, we have I/O loans for invest. properties as well. _______________________ Bethesda, Md.: I was looking to buy a plot of land for a second home sometime down the road. What type of land loan products are available and do you offer such a mortgage? Lonnie Cooper: Hello Bethesda, There are many land loan products out there. The majority of them are not 30 year fixed loans, but realistically if you are building on the land in the future you wouldn't want one anyway. Local banks are often the best for this. We don't offer them. _______________________ Reston, VA: Is there a hard-fast rule about refinancing? I thought there used to be a rule that if rates .5 point below your rate you would refinance. Is that still a good rule? Lonnie Cooper: Hello Reston, Thats a great question. The old 'rule of thumb' was that the rate had to be 2% lower. That is certainly no longer the case. We offer what is called a 'True No Cost" mortgage where you can refinance with no costs at all. The costs are not rolled into your principal balance- we pay them. As an example- if you have a 30 yr fixed today at 6.0% and you owe 200k then at todays rate of 5.5% it probably wouldn't make sense to refinance with a traditional closing cost loan. However with a 'True No Cost' loan at say 5.875% you'll save thousands over the life of the loan for simply signing your name. _______________________ Yardley, Pa.: Hello Lonnie, I recently purchased a new home and would like to refinance the 2nd loan for Home Improvements. How long would I have to wait in order to accomplish this? The home was purchased for $279k, but with the right repairs and can be valued at $350k. Christian Lonnie Cooper: Hello Christian, Most 2nd mortgage lenders have at least a 6 month "seasoning" rule for 2nd mortgages in that they won't let you take out a new 2nd based on your new/higher value. We have some products with no seasoning that would allow you to accomplish what you are looking for. Yardley is fairly close to West Chester, Pa. feel free to stop in. _______________________ Front Royal, Va: I have a rather high fixed rate mortgage currently and I am looking to refinance. I have one negative on my credit report which is probably a few months away from coming off which would greatly increase my credit scores. Would you recommend waiting until my credit is clean or refinancing now to take advantage of these great rates. My average score is 674 but should be in the mid 700's. Thanks. Lonnie Cooper: Hello Front Royal, Great question. You guys are full of the. With a 674, I'd recommend giving the refinance a shot now. With the right amount of equity in the property and assets in reserve you very may still be approved. _______________________ Ponte Vedra Beach, Fla.: Does Absolute Mortgage offer loans in other states and what is involved to apply as far as upfront fees (does this vary state to state or based on the loan amount or credit scores)? Thanks Lonnie. Lonnie Cooper: Hello Ponte Vedra, (That is a beautiful part of Fla if I may say so myself) We are licensed in a number of states that are listed at www.absolutemortgageco.com. The owner doesn't believe in charging up front fees- its a much cleaner way of doing business. _______________________ Wilmington, Del.: I currently have quite a bit of equity in my home (primary residence) and was looking to do quite a bit of renovations to the property - which would increase the value. Would you recommend to refinance my existing mortgage for cash out or get a Home Equity Loan or Line. I currently have a 30-year Fixed at around 6% and plan on living in the home for quite some time. Thank you very much. Lonnie Cooper: Hello Wilmington, See my response above for a "True No Cost" loan. It would work great for you. The home equity lines are very popular, but most are variable and again- prime seems to be consistently going up. _______________________ Cherry Hill, N.J.: What is involved with a No Doc or stated income loan? Lonnie Cooper: Hello Cherry HIll, The question is what is not involved- We have a "True No Doc" loan in which we don't even ask if you are employed. We don't need any bank statements etc. Its just a credit score and a pulse. _______________________ Newark, Del.: Is there any tried and true rule to figure out if a home improvement project is worth doing in order to add value to your home (adding garage or addition, finishing a basement., etc.? Lonnie Cooper: Hello Newark, I don't know if there is such a rule. If you ask a contractor you may get a different answer though. In speaking with property appraisers over the years, a sure fire return is adding square footage. (As long as you don't over-improve for you neighborhood) Kitchens and bathrooms also provide the highest return for improvement projects. _______________________ Clinton, Md: If you sell a home (designated investment prop) less than 2 years after settlement, do you have to put the proceed into another investment property otherwise pay the taxes? Lonnie Cooper: Hello Clinton, This one is probably best answered by a cpa. My unoffical opinion is as follows: A 1031 tax deferred exchange can be done regardless of how long you've owned the home. If you keep the property for at least 12 months then you'll pay long term capital gains vs. short term. _______________________ washingtonpost.com: Our hour is up. Thank you for taking all of our questions, Lonnie. Lonnie Cooper: You are very welcome. Its been a pleasure. I hope to hear from you all again. Lonnie _______________________ RELATED LINKS absolutemortgageco.com Mortgage Rates Mortgage Calculator Affordability Qualification Payment Tables --

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Find a Property - Properties for sale & rent from estate agents Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas Find your ideal house, flat or apartment for sale or rent Find a Property - Moving made easy Search 171,640 houses, flats and apartments for sale and rent through 3,617 estate agents. Area Guide Search for properties by area, with price guides, maps and local information Find a Property has 171,640 properties for sale and to rent throughout the UK and overseas. Review our estate agent list or start searching properties by location now... Property Prices How much is your house or flat worth? Review recent property price trends... Search all Editions 6,711 new properties for sale and to rent in the last 7 days Search for properties in... London (North of Thames) London (South of Thames) Surrey & Middlesex Berkshire, Buckinghamshire, Hertfordshire & Essex Hampshire, Sussex & Kent Rest of UK Rest of Europe Rest of World Virtual Tours Get a 'real' feel for a property with a 'virtual' tour... Estate Agents Review a full list of letting and estate agents advertising on Find a Property Sector Inspector We talk to estate agents who focus on a particular corner of the property market... Specialist Properties Commercial property, new homes, investment properties and more... Dream Houses Forget the house price review the properties of your dreams... Premier Property The finest properties in some of England's prime residential locations New Homes for Sale New homes for sale and new build property developments Short Lets Properties available for short or holiday let and serviced apartments Commercial Commercial property from office and retail space to industrial sites Waterside Property River views, house boats, canal apartments... Investment Properties Buy to let, property development and investment opportunities Property Auctions A selection of properties for sale by auction Contemporary Properties Loft apartments, warehouse conversions and other contemporary property Property features Animal House (29 Dec 2006) Finding the perfect rented home can be difficult at the best of times; but for pet-owners especially, house-hunting can be an uphill struggle... more Oxford's Eco Home (16 Dec 2005) In 1997, George Marshall bought a rundown 1930s terraced house on an Oxford council estate. Then he did something rather unusual with it... more The Truth About ... Ex-Council Properties (15 Dec 2005) They're still within reach for hard-pressed first-time buyers and a tempting prospect for canny buy-to-let investors. But are ex-local authority properties really a safe bet? ... more Christmas: Far Away But At Home (09 Dec 2005) What could be more Christmassy than a holiday season in an exotic winter location - think hats and scarves and New York in the snow; or a barbecued turkey with all the trimmings, cooked on sizzling Bondi Beach... more Headlines Scotland's Year, Says Halifax 29 Dec 2005 It was a good year for Scottish house prices: nearly half of the top twenty increases were recorded by towns north of the border... more Huge Annual Increase In Mortgage Lending 23 Dec 2005 Gross mortgage lending in November was a whopping 30 per cent higher than the same month last year, says the CML... more NAEA: Christmas Cooldown In November 22 Dec 2005 The seasonal Christmas slowdown was evident in November, according to the latest survey from the National Association of Estate Agents... more Flat Year Ahead For House Prices 21 Dec 2005 A broadly flat market is what we can expect next year, according to a report from HBOS... more More news... Local Links A list of local guides, resources and directories Word on the Street This week's area info posted by local residents Top Top Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas Find a Property 2004 Advertise (estate agents only) Contact us (estate agents only) About us Privacy Policy Terms & Conditions

Buy Property in a

How to Buy Property in a Retirement Community - eHow.com Clear Instructions on How To Do (just about) Everything Web eHow.com Home Finance & Business Center Real Estate How to Buy Property in a Retirement Community Seniors at all levels of independence may choose to buy property in a continuing-care retirement community. These communities can offer a vibrant social environment, a packed schedule of activities, help when needed, and the opportunity for transition into a more assisted living environment should needs change. They're also a good choice for people who simply want to live in an adults-only community. Steps: 1. Consider your present needs, and think about what lies ahead. Your goal may be to hold on to your independence for as long as possible. 2. Be aware of the costs beyond the cost of the home or apartment purchase (which may start at $150,000). Monthly maintenance fees can run into the low thousands. 3. Ask for referrals from your doctor, a social worker or a senior support group. You can also get lists of nearby communities online or in your phone book. 4. Tour as many properties as possible. Investigate the upkeep and safety of the facility. Find out about special amenities, from sports facilities to dining options. 5. Ask for a typical schedule. Does it offer activities both on and off the site? Does it reflect your interests? 6. Talk with the director about the staff. Is the facility properly staffed with well-trained and -screened people? What's the turnover? Talk to the employees, too. Are they happy? Do they enjoy working there? 7. Find out exactly what the fees include. If you have special meal requirements, ask if they can be met. Inquire whether the fees will change as residents find they need more assistance. 8. Chat with residents and ask for their honest opinions about the facility. If everyone is hiding in their home or apartment, that's not a good sign. Also, what is the average age of the people you see? Is that the stage you're at? Overall Tips: Check your contract to establish what happens if you decide to sell your home. In some cases, you may forfeit your entrance fee, which can be $10,000 and up. The monthly fees for some retirement communities are higher than for other types of assisted living. Get financial advice before signing on the dotted line. What to look for: Affordability Great facilities Well-trained staff A good fit with your lifestyle Please Share Your Tips with Us More Resources: Contribute to eHow: Write an eHow Article Suggest a Topic Give Us Feedback on This Article Related eHows: Buy a Tenancy-in-Common Unit Choose an Assisted Care or Nursing Home Find Out About Gay and Lesbian Retirement Communities Buy a Condominium Find a Continuing Care Retirement Community for a Senior Project Details: Skill Advisory: Moderate New! -- Related eHows: Buy a Tenancy-in-Common Unit Choose an Assisted Care or Nursing Home Find Out About Gay and Lesbian Retirement Communities Buy a Condominium Find a Continuing Care Retirement Community for a Senior Check out Thousands of How-To Solutions in eHow's Centers Automotive Careers & Education Computers & Home Electronics Family & Relationships Finance & Business Food & Entertaining Health Hobbies & Games Holidays & Traditions Home & Garden Personal Care & Style Pets Sports & Fitness Travel How to: --? Web eHow.com Home | Site Map | About Us | How To Books | Link to eHow Subscribe to the eHow of the Day Mailing List : Have the eHow of the Day appear on your My Yahoo! Page: Add the eHow of the Day to your RSS reader: © 1999-2005 eHow, Inc. How things get done. Use of this web site constitutes acceptance of the eHow Terms of Use and Privacy .

home equity line of

NYS Banking Department-Home Equity Line Of Credit Survey Interest Rate Information Home Equity Line Of Credit Markets Albany Buffalo Long Island New York Metro Rochester Syracuse Westchester Co, NY Definition of terms used in this survey. New York State home equity line of credit Average Highest Lowest 6.72 8.25 1.74 Albany Institution Telephone Date Rate Fees and Conditions Adirondack Trust Co 518-584-5844 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $10,000 min Central National Bank 800-449-6842 12/23/05 8.25 P+1.25% (no floor); no yrly fee; $7,500 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 518-270-3200 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Pioneer Savings Bank 518-274-4800 12/23/05 6.75 P-0.25% (no floor); no yrly fee; $2,000 min TrustCo Bank 518-436-9043 12/23/05 7.50 P+0.50% (no floor); no yrly fee; $7,500 min Buffalo Institution Telephone Date Rate Fees and Conditions Bank of Akron 716-542-5401 12/23/05 2.49 P-0.25% (no floor); 4-mo intro; no yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min Evans National Bank 716-549-6000 12/23/05 1.74 P+0.00% (no floor); 3-mo intro; $99 yrly fee; $7,500 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Long Island Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-433-4368 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Ridgewood Svgs Bk 718-240-4800 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min New York Metro Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Independence Community Bank 800-732-3434 12/23/05 7.25 P+0.25% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-268-6801 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rochester Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Canandaigua National Bank 585-394-4260 12/23/05 7.75 P+0.75% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 716-434-6621 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min Five Star Bank 888-624-2300 12/23/05 7.25 P+0.25% (no floor); 0% 3 month intro; no yrly fee; $7,500 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Syracuse Institution Telephone Date Rate Fees and Conditions Alliance Bank 800-310-6275 12/23/05 1.99 P-0.26% (no floor); 4-mo intro; no yrly fee; $5,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min Fulton Savings Bank 315-592-4201 12/23/05 6.00 P+0.00% (no floor); 12-mo intro; no yrly fee; $5,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Solvay Bank 315-468-1661 12/23/05 7.00 P+0.00% (4.00% floor); no yrly fee; $2,500 min The Oneida Savings Bank 315-363-2000 12/23/05 5.25 P+0.00% (no floor); 6-mo intro; no yrly fee; $7,500 min Westchester, Co Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Wachovia Bank, NA 800-922-4684 12/23/05 7.25 Range: P+0.00% to 2.00% (no floor); no yrly fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rates are subject to change without notice and may vary from branch to branch. Although the rates reported here have been obtained from the financial institutions themselves, the accuracy of the information cannot be guaranteed by the publisher. 2005: Bankrate.com All rights reserved. | Home Search | Site Map | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified Friday, December 23, 2005 FastCounter by bCentral

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Amazon.com: Real Simple [MAGAZINE SUBSCRIPTION]: Magazine Subscriptions Your Store Magazine Subscriptions See All 32 Product Categories   Your Account | Cart | Wish List | Help | Advanced Search | browse subjects | top sellers | today's deals | gift ideas | newspapers | professional & trade Search Amazon.com Magazines Newspapers Newsletters 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 . MAGAZINE INFO Explore this magazine buying info editorial reviews customer reviews See more images Customers also bought these magazines 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 MAGAZINE I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the Books Store Real Simple: The Organized Home by Editors of Real Simple Magazine Spec tacular Readers Never misplace your reading glasses again with the hip andstylish magnetic readers from CliC . Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . Real Simple [MAGAZINE SUBSCRIPTION] Cover Price: $54.00 Price: $28.68 ($2.39/issue) You Save: $25.32 (47%) Issues: 12 issues/12 months See more images Print a Magazine Gift Card Ordering it as a gift? Give your recipient a personalized Real Simple gift card! ( Flash Player required.) See more magazine gift options . Magazine subscriptions always ship free, and they help you qualify for FREE Super Saver Shipping on the rest of your order! See details . $10 Holiday Bonus Offer: For a limited time, order two or more subscriptions to RealSimple at Amazon.com and get a promotional certificate for $10off a future order. See details . Ready to Renew? Learnhow . Availability: The first issue should arrive in 6-10 weeks. Here's why See more product details Better Together Buy this magazine with In Style [Magazine Subscription] today! Total List Price : $101.88 Buy Together Today: $52.56 Product Details Format: Magazine Shipping: Currently, item can be shipped only within the U.S. Publisher: The Time Inc. Magazine Company ASIN: B00023J4H0 Average Customer Review: Based on 147 reviews. Write a review . Amazon.com Sales Rank: Today: #11 in Magazine Subscriptions Yesterday: #6 in Magazine Subscriptions For magazine orders, your name and mailing address will be shared with the appropriate publisher. This magazine subscription is provided by Synapse Services, Inc. Customers who bought this magazine also bought: O, The Oprah Magazine [Magazine Subscription] Martha Stewart Living [Magazine Subscription] Cooking Light [Magazine Subscription] Lucky [Magazine Subscription] Explore Similar Items : 19 in Magazine Subscriptions , 20 in Books , and 18 in DVD What similar items do customers ultimately buy after viewing this item? 15% buy this item(Real Simple [Magazine Subscription] 13% buy Domino [Magazine Subscription] 7% buy Metropolitan Home [Magazine Subscription] 7% buy House Beautiful [Magazine Subscription] 2% buy Home [Magazine Subscription] Explore Similar Items : 9 in Magazine Subscriptions , 9 in Books , and 5 in Tools & Hardware Editorial Reviews From the Publisher Real Simple is the new magazine for the way you want to live today. You'll find actionable solutions to streamline the ways you manage your life. Systems for reducing clutter, saving time, and reducing stress. Inspiring ideas about home, food, money, clothes, health, work, family, and holidays. Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 148 of 189 people found the following review helpful: You've got to be kidding. , February 6, 2003 Reviewer: Auliya "An Avid Reader" (Austin, TX USA)- See all my reviews Beautiful photography, but empty articles, and advertising, advertising, advertising. Every item, on every page, is an advertisement. Everything. Every sentence in every article, every caption, every line in the index. There are numerous special sections devoted to product endorsements, although they're phrased as "tips." They should give this magazine away for free, considering the money they must make off the advertising. Sure, while it's somewhat "handy" to know what's depicted and discussed (usually the URL and price are provided) it makes me a little uneasy. I feel suckered. I feel uncomfortable. Euugh. --This text refers to the edition Was this review helpful to you? ( Report this ) 159 of 186 people found the following review helpful: Real Simple is simply about buying stuff , June 23, 2003 Reviewer: A magazine reader (Austin, Texas) I subscribed to this magazine for a year and enjoyed my first few issues, but I soon noticed that all of the ideas for "leading a simpler life" involved purchasing expensive products. You might as well just flip through a Pottery Barn catalog. They both offer the same fantasy -- "What a stress-free, genteel life I could lead if only I had closet organizers and all-white furniture!" Eventually I simplified my life by letting my subscription run out. --This text refers to the edition 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. 3 of 4 people found the following review helpful: My favorite magazine! , December 20, 2005 Reviewer: Starr Calooy "The Wordsmith" (San Antonio, Texas)- See all my reviews I have read the reviews and find several to be inaccurate and incomplete so I want to set the record straight! This magazine does have advertisements but they all compliment the subject matter of the copy. I am a business owner/mother/caregiver/author so I truly appreciate and use all of the great organizing articles. I also don't have time to track down where to buy the products they suggest so I find the information provided extremely helpful. This is the first magazine I have ever taken the time to read or even ordered! All the others are so similiar and boring, but Real Simple shows me step-by-step how to accomplish what I need to do for my home, what materials to buy(come on! -a coffee can to store Christmas light strings are not expensive!)and where to get them! I look so forward each month to my new issue. I am buying a subscription for my best friend this Christmas. I also planned my entire Christmas dinner party two nights ago by their suggestions and it was a huge hit. The ads really are a plus- not a negative element! Congratulations on such a big success Real Simple! Was this review helpful to you? ( Report this ) 0 of 1 people found the following review helpful: i'm totally hooked.. , December 19, 2005 Reviewer: K. Santos (New York, NY)- See all my reviews i can't say that i read it every month, but when i do i devour it. i LOVE the ideas and the new product lines. the mag is so attuned to what i crave to see and buy and know. i feel like i've learned a lot from the mag and now i have a 3 yr subscription. i'm totally hooked on this mag. Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: good, mindless reading , December 17, 2005 Reviewer: Dee Dee (San Antonio)- See all my reviews This is a good magazine if you're looking for short, simple articles. The tips are useful, but try to focus on one or two per issue or else you'll be taking on too much. The product recommendations are right on. I have not bought anything recommended in this magazine that was not excellent. My only complaint is that there are, of course, too many ads. Was this review helpful to you? ( Report this ) 3 of 4 people found the following review helpful: Useful , December 15, 2005 Reviewer: Michael J Edelman (Huntington Woods, MI USA)- See all my reviews This is the sort of magazine I think I would have appreciated more back in my student apartment-living, bead-curtain, cinderblock-bookcase, cable-spool-as-table days. That's the design ethic portrayed. Some of the articles are rather clever, and the projects- making a switchplate from a beercan, or building a stylish garden building for $1500- are often novel and useful. They're not all winnners, of course; some project ideas are pretty awful. And as others have noted, much of the content is devoted to mindless fashion slavery and buying. But for the urban single or young couple looking for some cheap design ideas, it's pretty useful. Was this review helpful to you? ( Report this ) See all 147 customer reviews... So You'd Like To... Protecting Your Spines Natural Curves., :by Dr Adam Weiss , Doctor and Author Depression is common for those with chronic back pain... :by Dr Adam Weiss , Doctor and Author The BackSmart Pilates Method ! :by Dr Adam Weiss , Doctor,Author, and Pilates Instructor Listmania! My 8 Favorite Magazines :A list by Anne , health-obsessed runner Magazines for your at home Chef :A list by Psboston7 , 16 Various Magazine Subscriber Recommended Fashion Magazines :A list by designerlooks4less , www.designerlooks4less.com Look for similar magazines by subject: Browse for magazine subscriptions in: Subjects > Home & Garden > Design & Decoration I have read this magazine, and I want to review it. Is there a specific product you'd like us to sell? Tell us about it. 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. 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