Investment Property Consumer Focus:

FCIC - Consumer Focus -- SITE SEARCH: Books Resources 1-888-8 PUEBLO (1-888-878-3256) Home Consumer Focus Archive Owning a Second Home or Investment Property Consumer Focus: Owning a Second Home or Investment Property Owning a Second Home or Investment Property For various reasons, the idea of owning a second home or investing in property is on many people's minds nowadays. Some dream of having a second home in a more moderate climate. Others, wishing to diversify their investments, are considering real estate because of continued record low mortgage interest rates. If you're interested in the idea, but not sure how to get started, we've assembled some helpful information. Second Home or Investment Property? Criteria Looking Around The Transaction Additional Responsibilities Financing Other Resources E-mail this Information to A Friend Other Topics in the Consumer Focus Archive Top Second Home or Investment Property? The process will be simpler and smoother if you can make some decisions about your lifestyle, needs, and plans for the property at the beginning. Generally, if you're looking for a place to spend the winters for several months at a time or to take frequent weekend getaways, then you're most likely considering the purchase of a second home. However, if you're looking to generate income or diversify your investments, then you're looking to purchase investment property. Check our web site later this month for more information regarding investment property and how to be a landlord. The information below pertains primarily to buying a second home. In either case, you're entitled to different types of tax deductions depending on how you treat the property. Criteria The criteria defining a second home are fairly loose. A second home doesn't necessarily mean a "house." It could be a condominium, a recreational vehicle , or even a boat. Basically, for your second property to be considered a second home by the IRS, it needs to have sleeping accommodations and cooking and toilet facilities. A second home qualifies for the home mortgage interest deduction, just like your primary residence, because you're using the home for personal purposes during the year. Many folks have second homes that are part rental. The catch is that your personal use needs to exceed 14 days or 10 percent of the time it was rented, whichever time length is greater. In addition, if you rent your home for fewer than 15 days a year, and personally use it for more than 15 days a year, you do not need to declare any rental income. Everyone's circumstances are unique. Consult a tax professional regarding deductibility. Top Looking Around Do you want to buy a second home in your favorite vacation area , or a weekend spot not more than a few hours' drive away, but don't know what the market's like? You might want to do some research on the web using Realtor.com or visiting the web sites of the individual real estate companies in the area where you wish to purchase a property. Some real estate-related web sites allow you to tailor your search you select such as price, number of bedrooms/baths, type of home, or location sorted by zip code. If you're considering this home to be your future retirement home, then you also should consider additional factors such as the annual climate. Weather.com allows you to view monthly climatic averages for cities around the country. You also might look for information and articles discussing cost of living or " best places to live for retirees" from groups such as the AARP. The Transaction You'll probably want to work with a local realtor to help with the transaction, especially if you're considering an out-of-state purchase. A knowledgeable realtor should be aware of important factors that could affect your decision. For instance, if the locale you're considering has development restrictions, like those involved with historic districts where strict design, remodeling, or building codes may be enforced. In addition, the agent will do much of the legwork for you and ensure that all the bases are covered during the transaction. Just as you did when you purchased your primary residence, you should still have the property inspected. Take the effort to know your rights . Top Additional Responsibilities Remember, owning a second home is just that-with all the associated responsibilities and expenses that it brings. Check individual state web sites for property taxes. How much maintenance are you willing to take on? If you're not willing to take on a lot of extra maintenance and yard work, consider buying a condo and hiring a property management company. Of course you'll need insurance. In some areas, you may be surprised by the rates you'll need to pay for homeowners insurance . Coastal areas usually have higher premiums due to hurricane risk, and you may need to buy a separate flood insurance policy as well. Financing Just as you did when you bought your primary residence, be sure to have your financial affairs in order before you even begin looking. Get a copy of your credit report and be sure there are no errors, which could delay or hurt your financing options. Also, be prepared to meet some stricter criteria to get the loan. This is because your finances will be stretched more thinly once you take on that second mortgage. Top Other Resources This is just a brief overview. For more information check out these resources: Read these publications online or order them from FCIC: FairCredit Reporting How toBuy a Home With a Low Down Payment How toBuy a Manufactured (Mobile) Home HUDHome Buying Guide Looking for the Best Mortgage-Shop, Compare, Negotiate Twelve Waysto Lower Your Homeowners Insurance Costs Publications available for orderingfrom the Housing Page Publications available for orderingfrom the Money Page Websites*: Department of Housing and UrbanDevelopment Federal Trade Commission Federal Reserve Board FirstGov.gov Public Broadcasting Service AARP Bankrate.com Insurance Information Institute Money.CNN.com NewRVer.com Prudential Realtor.com SmartMoney.com Tax Foundation Weather.com * Names of resources and organizations included in this online article are provided as examples only, and their inclusion does not mean that they are endorsed by the Federal Citizen Information Center or any other Government agency. Also, if a particular resource or organization is not mentioned, this does not mean or imply that it is unsatisfactory. *If you click on these links, you are leaving FCIC's website. Please bookmark us before you leave so you can return easily. FCIC is not responsible for the content of these websites. Top Enjoy this month's Focus? Share this information with a friendand spread the word! Enterrecipient's e-mail address: We will not retain or use this information for any other purpose. For more information on other popular consumer issues check out FCIC's Consumer Focus Archive . Top Import Notices - Site Map - Text Version This service isprovided by the Federal Citizen Information Center of the U.S. General Services Administration . If youhave a comment or question, e-mail us .

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Ocean Shores Land For Sale - Ocean Shores, Washington land and Ocean Shores properties for sale North America United States Washington Localities O Ocean Shores " Tour | Video | Photo Gallery | Affordable Pricing | Guarantees | FAQ | Free Brochure | Free Weekend | Testimonials | About Us | Home Building | Home Ocean Shores, Washington comes with an array of different home sites at a variety of prices, there is sure to be one that fits most anyones budget. Home sites include lands that overlook the breathtaking Pacific Ocean or along a winding canal. If you are a golfer, we also have lands located right on the golf course.WE ONLY HAVE A LIMITED NUMBER OF HOME SITES TO SELL. The Washington land for sale is limited so these home sites will be sold on a FIRST-COME, FIRST-SERVED BASIS and we expect them to go fast! Look over the website and then sign up to take part in our FREE WEEKEND FOR TWO! You and a guest will receive round-trip airfare for two, deluxe hotel accommodations, ground transportation and a private, no sales pressure tour of our home sites. Our FREE WEEKENDS are filling up fast, so don't delay! Call or make an Online Reservation to reserve your FREE weekend today! RECEIVE $200 OFF YOUR PURCHASE PRICE WHEN YOU REGISTER ONLINE! CLICK HERE! - Ocean Shores Washington - If you've been looking for an new home, retirement property, or a vacation spot to call your own, you've just struck gold. This is the opportunity to plan for your future and make your recreational land ownership dreams come true, at unbelievably affordable prices! The land for sale on Ocean Shores will make your dream of living a stress-free life, property ownership, and endless beauty come true. Enjoy a romantic night stroll on the sandy beaches as you listen to the mesmerizing sounds of the crystal blue ocean. If you are the outdoor enthusiast, Washington State mothers the largest remaining undisturbed old growth forests in the Pacific Northwest. There are endless possibilities in Ocean Shores Washington that will fit anyones unique needs. Do not just listen to us, come see the beauty of Ocean Shores for yourself. Highlights include: Upgrade Properties Available! Ocean Front Lake Front Bay Front Canal Front Entry level wooded lots You could hear the ocean from every property. Just a few minutes from the Pacific Ocean Ready to Build No time Restrictions All Utilities in place All paved roads Don't miss out on the fantastic land for sale in Ocean Shores, reserve your free weekend for two now! -- Money-Back Guarantee! National Recreational Properties of Ocean Shores, Inc. Corporate Headquarters: 1 Mauchly Irvine CA 92618 Phone 1-800-603-8871 Fax 949-583-9156 *Prices are for entry-level home sites only and do not include a home. Home sites on ocean, bay, canal, lake, golf course and upgraded properties are priced higher. Home sites have electric, water, telephone and sewer. Most home sites have a mandatory community club membership. NRPI is an equal opportunity seller. Terms subject to change without notice. Most qualify for the weekend financing. However, lower credit scores require a larger refundable travel deposit.Base travel deposit is $99 and will be applied to your purchase or be fully refunded within 3 business days. WARNING: THE CALIFORNIA DEPARTMENT OF REAL ESTATEHAS NOT INSPECTED, EXAMINED, OR QUALIFIED THIS OFFERING. OFFER ONLY AVAILABLE IN THE FOLLOWING STATES Obtain the property report or its equivalent, required by Federal and State law and read it before signing anything. No Federal or State agency has judged the merits or value, if any of this property. Owned and operated by National Recreational Properties of Ocean Shores, Inc., a Washington real estate broker. Tour | Video | Photo Gallery | Affordable Pricing | Guarantees | FAQ | Free Brochure | Free Weekend | Testimonials | About Us | Home Building | Home | Sitemap | Privacy Policy Seeing is Believing! Join us on a FREE Weekend for Two and Get $200 off your purchase price when you book your reservation online for Ocean Shores Washington!! We provide: Round-trip airfare for two passengers on a commercial airline Two free nights at a beautiful hotel Guided tour A chance to make new friends who share the dream and the opportunity NO Sales Pressure! We mean it! (It's our company policy) Click Here for more info!

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Air Force Reserve Command Public Access Web Page Home News Releases Resources for Reservists /Employers Subscribe AFRC Units Site map Search AFRC Charleston Reserve unit help set C-17 flying record CHARLESTON AIR FORCE BASE, S.C. (AFPN) -- The largest formation of C-17 Globemaster IIIs from a single base took off this morning from here in a demonstration of the strategic airdrop capability of the Air Force. ( full story ) Air Force Reserve Command Headlines Hurricane hunters close out record season KEESLER AIR FORCE BASE, Miss. -- The "Hurricane Hunters" of Air Force Reserve Command's 53rd Weather Reconnaissance Squadron flew their last mission of the record 2005 Atlantic Hurricane Season in December. Bradley endorses new hearing protection for Reservists WRIGHT-PATTERSON AIR FORCE BASE, OHIO -- Technology developed at the Air Force Research Laboratory here to prevent noise-induced hearing loss will become the preferred solution for Air Force Reserve Command aviators. AF Reserve Command vice commander retires ROBINS AIR FORCE BASE, Ga., -- Maj. Gen. David E. Tanzi, Air Force Reserve Command vice commander, will retire in a ceremony Jan. 11 after 37 years of service. Leadership changes in AFRC, 10th Air Force ROBINS AIR FORCE BASE, Ga. Senior leaders in Air Force Reserve Command and one of its numbered air forces change jobs in late December and early January. Space group to activate new unit SCHRIEVER AIR FORCE BASE, Colo. Air Force Reserve Commands 310th Space Group will travel deeper into the space program when it activates a new unit Jan. 7. Security forces compete for Air Force awards ROBINS AIR FORCE BASE, Ga. Security forces units in Ohio and New Jersey are competing for the title of best Air Force Reserve Command SF unit. In addition, these units have representatives in the hunt for top individual awards in the Air Force. Reservists act as Santa for Veterans Home residents MINNEAPOLIS-ST. PAUL JOINT AIR RESERVE STATION, Minn. (AFPN) -- Santa visited the residents of the Minnesota Veterans Home in Minneapolis Dec. 13, but this time he came in the form of the Air Force Reserve. Hanoi Taxi checks out its new home A C-141 Starlifter aircraft, better known as the Hanoi Taxi, flies over its soon-to-be new home at the National Museum of the U.S. Air Force adjacent to Wright-Patterson AFB, Ohio, Dec. 13. This particular aircraft gained fame when it was used to return American prisoners of war back home at the end of the Viet Nam War. As the last operational C-141 in Air Force Reserve Command's 445 Airlift Wing, the historic aircraft is scheduled to retire and be dedicated at the museum May 5-6. The Reserve wing started replacing its C-141s with C-5 cargo aircraft in October and plan to have a total of 11 C-5s by April 2007. (Courtesy Photo by John Rossino) Download Full Image New rules to reinforce Guard, Reserve re-employment protections WASHINGTON (AFPN) -- The National Committee for Employer Support of the Guard and Reserve is lauding the Labor Department announcement issuing rules clarifying re-employment rights for citizen-soldiers. They said the Dec. 16 announcement is a major step forward for guardsmen, reservists and their civilian employers. 301st home from Iraq 12/12/2005 - NAJ JRB FORT WORTH, Texas -- Capt. Chris Gough, 457th Fighter Squadron pilot, gathers hugs of love from his family members after their return from Iraq. More than 150 members of the Air Force Reserve Command's 301st Fighter Wing returned Dec. 11 following a two-month deployment Balad AB, Iraq in support of the Air Expeditionary Forces. Other AFRC F-16 units are scheduled to return from Balad in January. (U.S. Air Force photo by Tech. Sgt. Julie Briden-Garcia) ( hi-resolution image ) Red, White and Air Force Blue Christmas Lee Ann Womack helps ring in the holidays with a special tribute for Air Force members. Click here to go to Air Force Link and click on the Air Force Holiday Music tab to listen in to this holiday special. Reservists can manage career info online DENVER (AFPN) -- Air Force reservists can now go online to create an account on the Reserve Personnel Centers Virtual Personnel Center-Guard Reserve portal. Reserve Personnel Center automates 20-year and mortgage letters DENVER (AFPN) -- The Air Reserve Personnel Center set another transformation milestone with the self-service automation of the reissue of 20-year and mortgage letters. Delivering the 'J' Lt. Gen. John A. Bradley, commander of Air Force Reserve Command, sits in in the cockpit before takeoff in a new C-130J Hercules Monday from the Lockheed-Martin facility in Marietta, Ga. General Bradley helped ferry the Herc from Marietta to the 403rd Wing at Keesler Air Force Base, Miss. The flight took about one hour. ( hi-resolution ) Trick Pony brings season's greetings to troops Trick Pony, Country Music Award winners, join up with Blues Traveler's John Popper to hitch a ride and entertain U.S. troops in Germany, Turkey, a forward-operating base in Southwest Asia, and a final stop at Keflivik, Iceland. From left, Ira Dean, Heidi Newfield, John Popper and Keith Burns bring it all together to tell the troops thanks. (U.S. Air Force photo by Ken Hackman) ( More photos and story ) Air Force Reserve fighters destroy terrorist hideout SOUTHWEST ASIA Air Force Reserve Command F-16 pilots bombed a booby-trapped house near Al Mahmudiyah, Iraq, Nov. 23. Reservist giving warfighters gifts they can use INCIRLIK AIR BASE, Turkey (AFPN) -- Giving and receiving are the hallmarks of the holiday season. If you don't believe it, ask the aerial porters here who receive an average of 600,000 pounds of cargo every day and give the warfighters in Iraq "gifts" they can use. Ramstein Reservist helps injured troops get home RAMSTEIN AIR BASE, Germany (AFPN) -- "Home for the holidays" is a familiar goal for many military people, but not Tech. Sgt. Katheryn Bicker. This Reservist from the 944th Fighter Wing at Luke AFB, Ariz., is forgoing her own holidays to help others in what she feels is the true spirit of the season. Late bloomer goes to other lands to help people WRIGHT-PATTERSON AIR FORCE BASE, Ohio A flight nurse in the 445th Aeromedical Evacuation Squadron here is a classic example of a late bloomer. 9 one-stars, 15 colonels get promotion nod WASHINGTON Nine brigadier generals and 15 colonels in the Air Force Reserve were nominated by the president Nov. 22 for promotion to the next higher rank. US builds bonds during the 2005 Dubai air show DUBAI, United Arab Emirates Usually when one thinks of the United States displaying air power in the Middle East, the promotion of economic growth and good will does not come to mind, but that is exactly why the U.S. Air Force and Navy are on hand during the Dubai 2005 Air Show. Reservist medical-dental records easier to get DENVER (AFPN) -- The Air Reserve Personnel Center will move the medical and dental records of some reservists to the active-duty base where they serve as part of a test to streamline operations. Reserve F-16s strike insurgents in Iraq SOUTHWEST ASIA -- Air Force Reserve Command F-16s along with Air Force F-15s and Predators flew air strikes against insurgents near the Iraqi-Syria border Nov. 14 in support of Operation Steel Curtain. ( full story ) Reserve F-16s patrol over Iraq FORT WORTH, Texas -- Air Force Reserve Command F-16 Fighting Falcon fighters are providing combat air support for U.S. and coalition forces in Iraq. Hundreds of aircrews and support people from four fighter wings began flying close-air-support and combat air patrol missions in September on a rotational basis. The last contingent of reservists from the 10th Air Force units returns home in January. Holiday season message highlights importance of life WASHINGTON As the holiday season and another year approach, let us take time to consider what is really important family and friends. Home Please read this privacy and security notice AFRC Units Resources for Reservist Pubs and Forms News Releases Search AFRC Contact Public Affairs FOIA Site map AFRC Site Accessibility Page last updated on December 29, 2005 Hot Job opportunities V olunteer R eserve S ystem Job vacancies Active Guard and Reserve Air Reserve Technician Civil Service positions Join the Air Force Reserve News and Information News Release s Citizen Airman Magazine Handbook for Congress AFRC Facts and Figures AFRC Fact Sheets AFRC Leadership Bios AFRC Mission Briefing Air Force Link AF TV News AF Radio News Airman Magazine Army News Service Defense Link Early Bird Anthrax Brief Parent Pin Program Freedom of Information AFRC Units/Directorates AFRC Wings/Groups AF Reserve Band Command Chaplain Logistics (Contracting) Resources for Reservists FAQs about active duty Guard Reserve Portal USERRA Advisor Military Health System Family Readiness Reserve Advisory Board Pay Matters Air Force Crossroads Resources for Employers Employer Support of the Guard and Reserve (ESGR) Info for Employers Info for Military Info for Volunteers Get the facts: Read the latest edition of Air Force Reserve Handbook for Congress

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Petfinder.com: Adopt a pet and help an animal shelter rescue a puppy or kitten. animal adoption Adopt a puppy dog form the animal adoption shelter. Setting aside all of the arguments for buying a puppy from a breeder , Sternberg emphatically pronounces that you should adopt a dog from a shelter because, as she says, its the right thing to do."Go ahead. Buy that puppy in the window. Yes, that beautiful, adorably winsome creature whose huge, soulful eyes cry, "Please, take me home. Our animal adoption services put great pets in loving homes. I'm full of love and affection and I know you are too." The only thing you should know before you make this purchase is that in doing so you will he contributing to the livelihood of an inhumane puppy mill breeder. You will actively be condoning the wretched existence of thousands of breeding stock dogs who lead lives of misery and desperation. Do you really want to a high price for your pet? Can you live with the fact that half million puppies die annual they even make it to a pet store? And are you ready to deal possibility that your new pet will soon manifest one or more of illnesses, viruses, congenital defects or temperament problems so rampant in puppy mill dogs? If you wish to adopt a dog , please visit our website to obtain more information on it.Petfinder's Post-a-pet is full of great pets that, for some reason, can't stay in their current homes. People also list pets here that they find as strays as an alternative to taking them to the shelter. These pets are usually currently living with a foster family or their original family. Purina signed on as the Web site's premier sponsor. Purina provides nutrition and pet care information for Petfinder.com's online libraries and a breed selector to help visitors decide what breeds are best for their family. Purina will also be assisting in marketing efforts, helping to spread the word about the thousands of pets that need a new home. Adopt a pet dog or cat from animal welfare organizations across the country. Buy different cat breeds that are for sale. If you have questions or would like to know how to buy a puppy , please visit our website. We love to hear your Petfinder happy endings! In fact, we all stay glued to our computers just waiting for them to arrive every day! Each month we will choose one lucky new Petfinder family to receive a free one-year subscription to The ASPCA's Animal Watch magazine.* Simply tell your pet's story as she/he went from homelessness to happiness click the submit button below. We would like to have your permission to share your story in our press releases so that more and more people will see that homeless pets deserve a second shot at being part of a family. If you agree to let us share your story, please include your name and phone number so that we can contact you. Thanks! You can find out more about our cat adoption program by visiting our website. We're waiting to hear from you! Petfinder is an on-line, searchable database of animals that need homes. It is also a directory of over 7,000 animal shelters and adoption organizations across the USA, Canada and Mexico. Organizations maintain their own home pages and available pet database. Our mission: to use Internet technology and the resources it can generate to 1) increase public awareness of the availability of high-quality adoptable pets and to 2) increase the overall effectiveness of pet adoption programs across North America to the extent that the euthanasia of adoptable pets is eliminated. Visit our site if you are interested to buy a dog .Petfinder.com is free to use. Animal shelters and rescue groups can register to join Petfinder.com online and can start entering pets the same day. "The site is a virtual shelter," says Jared Saul. "It is being able to sit down with your family and visit hundreds of shelters, get to know the pets, and not have to drive all around to do it. When someone finally does go to meet a pet because of Petfinder.com, they are more likely to be well suited for each other. What better use of the Web?" Rescue a free kitten for a pet. Please visit our site to find our about our kitten adoption services. From the comfort of their personal computers, pet lovers can search for a pet that best matches their needs. They can then reference a shelter's Web page and discover what services it offer. Petfinder also includes classified ads, discussion forums and a library of animal welfare articles. Petfinder is updated DAILY. Organizations wishing to participate should register. A contact person should be responsible for direct communications with Petfinder. Only nonprofit organizations will be included. We have a dog rescue program that you can find more information about it right from our website.Petfinder is made up of animal-care professionals and regular people volunteering for their local animal welfare organizations all working together to maintain active and accurate homeless pet lists. Most animal welfare volunteers have "real jobs" by day. The success and the magnitude of this project is largely due to their tireless efforts to make a difference. f you have a Website and would like to help us promote shelter pets as the #1 choice for a new pet, you may right click on the logos below and save them for use on your home page. You may also want to check out our Featured Pet Module which allows you to show Petfinder pets from your community on your own home page.Find out how to obtain a free puppy by visiting our website. In June of 2000, Petfinder.com was named one of the 300 best websites by Forbes magazine, and in October, Petfinder.com was named one of the top 100 sites by Family PC magazine. The site has also been featured on Oprah, in the Industry Standard, Mademoiselle and is frequently noted in major newspapers such as The New York Times. Adopt a dog or cat from the animal shelter. Stores for pets that are on sale.Can you live with the fact that half million puppies die annual they even make it to a pet store ? Shelters and rescue group members also have their own home pages on the site. Many of them attribute over 50% of their adoptions to Petfinder.com. Some have reported that their euthanasia rate dropped significantly within months of joining Petfinder.com. They also report that Petfinder.com adoptions are more successful, with fewer pets returned. This may be because the adopter's choice is more informed. "Many people find visiting shelters traumatic, especially those who feel guilty when they can't take all the pets home," says Betsy Saul of Tucson, Arizona, who developed the site with her husband, Jared, in 1995 as a New Year's Resolution to help homeless pets. "Petfinder.com allows you to focus your search from home, which makes finding your new best friend much easier." The site went national in August 1998. Petfinder.com, a labor of love for the Sauls, was the first searchable directory for homeless pets. attention is what its sponsors want, attention is what they'll get. Petfinder.com, whose founders are scientists by training, not business people, is among the busiest sites on the Internet. The Sauls attribute their site's success not only to hard work, but also to the press. "We never had to spend a dime on advertising," says Betsy Saul, who admits it was a good thing since, at the time, they didn't have any dimes to spare. "As soon as we launched and the press first got a glimpse of the site, we've been in a race to keep up with ourselves."Visit our website to find our about our puppy adoption services.The Society for the Prevention of Cruelty to Animals ( SPCA ).The SPCA is now actively involved in helping shelters join Petfinder.com, as well as helping educate shelter personnel once they become members. QUICK PET SEARCH ANIMAL Please select BarnYard Bird Cat Dog Horse Pig Rabbit Reptile Small&Furry BREED [click for list] AGE All Baby Young Adult Senior SIZE All Small Medium Large Extra-Large GENDER All Male Female ZIP or CITY, STATE/PROV PIC PREVIEW? SEARCH RANGE Regional Expanded National SEARCH TIPS SITE MAP • PETS -advanced search -breed index • SHELTERS -local shelters -by state / prov • LIBRARY • MESSAGES • CLASSIFIEDS -postapet -pet wanted -lost & found • EVENT CALENDAR • HAPPY "TAILS" -monthly drawing • KIDS HELP INFO PRESS ADVERTISE Hurricane Pets Search reports of found, rescued, and sheltered pets in the Animal Emergency Response Network On Petfinder.com You Can: Search adoptable pets with our advanced search or our Quick Search (left). Locate shelters and rescue groups currently caring for adoptable pets. Browse our resource library and learn more about how to care for your pet. Post classified ads for lost or found pets, pets wanted, and pets needing homes. Sign up to be a volunteer to help your local shelter or rescue group. HURRICANE ALERTS CLICK HERE for the Animal Welfare Disaster and Emergency Response Resource Page >> Animal Hurricane Victims still need your help! Make a tax-deductible donation to the Petfinder.com Foundation Disaster Fund. The Petfinder.com Foundation is a 501(c)(3) public charity, EIN #87-0964641. A Christmas Carol Joanne and Jim Thompson of J and J’s Homeless Pet Rescue in Washington, NC, had just about given up hope of finding a home for Carol Anne, a friendly Labrador retriever they’d had since she was a baby. But glad tidings! On December 26, the one-year-old (now called Savannah) went home with her new family, Debbie and Ralph Whatley of Greenville, NC, who found her on Petfinder.com. For information about dog care, visit the Petfinder.com library . To enter your happy ‘tail’ in our drawing see below. Have a Happy Tail? Send us your Petfinder pet's happy ending story , and you'll be entered to win a six-month supply of FRONTLINE ® Plus or FRONTLINE Top Spot ®! Have a Web Site? Use our Petfinder.com search banner to allow your visitors to search our homeless pets right from your home page. Or feature pets from your local shelter by placing our Featured Pet Module (like the one above) on your own home page! Promote Adoption with Petfinder.com gear! Petfinder.com Best Friends Kids' T-Shirt * $12.95 Outfit your little "best friends" in a comfy tee showing their love for their pets of all types! Lime green or vibrant orange tees read "Petfinder.com" and "Best Friends Forever," so your kids can help spread the word wherever they go. Visit the Petfinder.com shop for caps, t-shirts, and car magnets and more! Happy Holidays! Petfinder.com wishes all of our visitors and their furry (and non-furry!) families a very happy and safe holiday season. FREE Petfinder.com Bumper Sticker! Send a self-addressed mailing LABEL (no envelope) and a $0.37 stamp to: Bumper sticker PO Box 51 Carterville MO 64835 WHILE THEY LAST! Your Ad Here -- © Petfinder, LLC 1999 Artwork © Judie Bomberger 1998 Petfinder's privacy statement

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Inman Real Estate News - Navigating real estate loan locks, docs Part 7: Finding the right home loan Navigating+real+estate+loan+locks%2c+docs Part+7%3a+Finding+the+right+home+loan %3ca+href%3d'http%3a%2f%2fwww.inman.com'+target%3d'_blank'%3eInman+News%3c%2fa%3e Jack+Guttentag 2005-12-19T00%3a00%3a00.0000000-08%3a00 49257 HOME | NEWS | JOIN | PRODUCTS | CONFERENCES | ADVERTISE | ADVICE | ABOUT US | CONTACT US | SUBMIT A TIP Member Resources Members Home Search Inman News Content Warehouse Cartoon Database Weekly Newsletter Special Reports Audio Files Inman Blog Feedback Connect Registration Audio Conference LETTERS TO THE EDITOR There's no denying real estate bubble Re: ' Worst-case scenario for housing next year ' (Dec. 28) Dear Editor: I have been a real estate investor since I was 19. I am now 54. To deny a real estate bubble is to ignore the obvious market fundamentals. Obviously, there are different factors in different markets, but as a longtime investor/Realtor/broker there is no logical argument against real estate prices declining 10 percent to 30 percent in the "hot markets." The South Florida condo market will be a blood bath. The median income cannot buy the median house in most markets; interest rates will continue creeping up; speculators have driven prices to insane levels and when the going gets rough they will walk from a lot of residential properties. Most "hot" areas are becoming alarmingly overbuilt with residential inventories rising; lenders have ticking time bombs in their ARMs, negative equity and interest-only mortgages. Do your homework. Be wary of those whose opinions are tainted by the fact that they or their company have a stake in this insane market continuing. Michael H. Mosieur Mosieur Business Brokers Re: ' America closes doors to architectural expression ' (Dec. 26) Dear Editor: This is one of the most insightful articles I've read in a long time. We might add, "And what are we doing to our children as we worship at the altar of the mundane?" Years ago I read that about 1,000 children were tested for creativity just prior to entering kindergarten. Eighty-five percent of the children tested "creative." Twelve years later the same group was tested, and only 35 percent of the students tested "creative." What happened to the children along the scholastic way, and does the country even care? Where's the outcry? Isn't the creativity of our generations one of our most precious resources? It's been said that we're only one generation away from losing our freedom. Could it be that with escalating offshore competition in view, and stultifying U.S. scholastic models utilized, that the above advisory could also apply to our economic freedom? A. Bruce Belfield III Associate real estate broker Hurricane, W.V. FREE website content! Make Inman.com your homepage Get the Inman News Toolbar Link to Inman News Consumer News Commercial News Real Estate Articles from Inman News Already a Member? Log in below to view full story: User ID: Password: Lost Password? Navigating real estate loan locks, docs Part 7: Finding the right home loan Monday, December 19, 2005 By Jack Guttentag Inman News To read this article, become a Member of Inman News now! JOIN NOW TO BECOME AN INMAN MEMBER 100% Satisfaction Guaranteed Group discounts available First Name: Last Name: E-mail: User Name: Call 1.800.775.4662 x128 8am - 5pm Pacific Time to order by phone or to get a discount group membership for your company or colleagues. View News Article Sample Hear Sample View Newsletter Sample Connect Info View Audio Conference Schedule Back Top © 2005 Inman News Home | Privacy | Editorial | Legal | Site Map