Rental Property

Rentamatic 10,000+ Letting Agents 76957 homes for rent from over 10,000 letting agents and 13,000 private landlords - 29, December 2005 find homes... find agents... tell agents... resources forums advertise members Find a Home or Room to Rent Search for Homes/Houses/Flats/Rooms to rent in the UK 1. Choose number of bedrooms All Room Studio 1 2 3 4 5 6 7+ 2. Choose Type of Advertiser : All Letting Agents Only Landlords Only 3. Type in an area, or the first part of postcode Rentamatic.co.uk was the first "free to list" property rental website in the UK in 1999 and has grown to become the largest dedicated property rental website in the UK. We carry some 60,000 to 70,000 current adverts of properties to rent all across the UK from over 10,000 letting agents and over 13,000 private landlords , with more than 150,000 people using this website every week to look for a new property to rent somewhere in the UK. If you're connected to renting property then this is the one website you really do need! SIPPs : Self Invested Pension Plans SIPPs UPDATE Gordon Brown made an amazing U-Turn on Tuesday, announcing in his Pre-Budget report that you would now NOT be able to put residential property into a pension after all. SIPPs will still happen already from April next year, and Rentamatic will keep you up to date on all the significant changes between now and 'A' Day, 6 April 2006. WE WILL STILL BE HOLDING RENTAMATIC SPONSORED SIPPs SEMINARS, ADVISING ON ALL THE BENEFITS AND OPTIONS STILL AVAILABLE TO INVESTORS IN PROPERTY Just click below for dates and locations of our Seminar Programme as it develops Click here for more information Moneyextra: Personal Loans Hot Picks Moneyextra: Credit Card Hot Picks site map | terms of use | about us | help | useful links | © rentamatic.co.uk 1999-2005 | [developed by ZambeziMedia ] Network of Property Renting Websites in the UK : Rentamatic.co.uk | Looking2Rent.co.uk | UKHomes4Rent.co.uk | UKHomes4Rent.com | Rent-Rent-Rent.com

Real Estate Investing

Bob Bruss Real Estate Center An Audio Message from Bob Bruss Subscribe to Bob's Weekly e-mail update and get this Free Report: 2005 Realty Tax Tips: 8 Chapters of Tax Savings for Homeowners and Investors First Name: Primary E-mail Address: >> Order Bob’s Special Real Estate Reports only $4.95 each! >> Ask Bob a Real Estate Question >> Subscribe to Bob’s Newsletters NEW REPORT! “Foreclosure and Distress Property Profit Secrets” >> Order Why pay upwards of $300 per hour for real estate legal, tax or investment advice? Bob Bruss, America’s most trusted real estate expert, offers Special Reports on a wide range of real estate topics for less than $5.00 each! Bob’s columns appear in over 150 newspapers across the country, including the Washington Post, Chicago Tribune, Los Angeles Times and San Francisco Chronicle. Bob draws on more than 25 years of real estate writing, teaching and investing to bring you unbiased information that will help you make smart real estate decisions. Click above & get a free 6-month newsletter subscription! Bob's Notebook SIX KEY REAL ESTATE NEGOTIATION TIPS FOR BUYERS, SELLERS Determining other party's motivation paramount to success The year 2005 has been very good for most property owners and realty sales agents. Home sales prices appreciated handsomely in most communities and the sales volume of new and resale homes were near-record. But 2006 promises to be more "normal" as mortgage interest rates slowly rise, resulting in a modest new home construction volume decline with a corresponding residence market value appreciation and sales volume slowing. Having been through many real estate market ups and downs over almost four decades, both as an investor, sales broker, and realty writer, I've learned that success in a slowing real estate market requires paying greater attention to negotiation skills. NEGOTIATE WITH PEOPLE WHO WANT TO NEGOTIATE . As a lifelong student of real estate negotiation techniques, because there is always more to learn, I've discovered it usually is a waste of time to attempt to negotiate with people who are not highly motivated to make a change. Most experienced real estate agents hate the situation when a home seller lists their desirable property for sale with a top price but they really don't have a good motivation for selling. These sellers often have the attitude "If we can get our price, we'll sell. Otherwise, we won't sell." Their homes often take "forever" to sell. But in 2005, many homes sold for above their asking prices because buyers wanted to purchase more than sellers wanted to sell. A strong motivation for many buyers was to beat the long-predicted rise in home mortgage interest rates. The result was a "seller's market" in many communities with more qualified buyers than motivated sellers. However, as the number of residence listings for sale has risen recently and is expected to continue rising in early 2006, especially after the customary holiday 2005 year-end lull in home sales, many real estate economists are predicting a more normal balance of motivated sellers and buyers. The result should put a premium on negotiation skills for home buyers and sellers, as well as their realty agents, to conclude successful sales. HOW TO ACHIEVE A SUCCESSFUL NEGOTIATION . Whatever your role in a home sale, as buyer, seller or realty agent, you can't ask too many questions. Of course, the best negotiators inquire in a friendly manner interjected with compliments. Here are the six key questions to get answered for a successful home sale negotiation: 1. WHY IS THE SELLER SELLING THIS LOVELY HOME? One way or another, successful home buyers and their realty agents need the answer to this key question so the buyer can make a purchase offer which meets the seller's needs (of course, buyers should leave out the word "lovely" if the place is a dump!). As a long-time investor in rental houses, and my personal residences, I always try to tailor my purchase offers to meet the seller's needs (and mine too). For example, several years ago I bought a house from an elderly lady who was retiring. So I offered her 10 percent cash down payment and a 90 percent seller carryback mortgage to provide for her retirement income. When she saw my offer and how much she would receive from my payment each month, she accepted (although the listing agent previously told me she wouldn't carry back any mortgage financing). Another time a listing agent told me the retired sellers of an "el dumpo" house were living in a boarding house and needed cash. As a result, I figured they wanted an all-cash sale so I arranged 100 percent financing at a community bank. The sellers immediately accepted my low purchase price offer for cash. 2. WHAT WAS THE HOME SELLER'S PURCHASE PRICE? Buyers who don't find out the answer to this key question, either from the listing agent or their buyer's agent, are at a severe negotiation disadvantage. Here's why: If the seller purchased the home many years ago for a low purchase price compared to today's market value, that seller has lots of negotiation room. However, if the home seller bought within the last few years for a price not far from today's market value, there isn't much negotiation flexibility. Of course, if the seller has a high-motivation reason for selling, as disclosed by the answer to the first question, even a recent home buyer is often willing to sell in a quick sale for close to the seller's purchase price. Such a situation is an ideal candidate for the buyer to take over payments on the current mortgage with the lender's permission. 3. DOES THE OTHER PARTY HAVE A TIME DEADLINE? This is a question both home buyer and seller should ask of their realty agent. To illustrate, if one party has a job transfer, then purchase or sale of the home can be very important. But if the seller is moving to a retirement residence, time usually isn't so critical. However, if the seller already bought another home and needs to sell the current home to produce the down payment, then closing time is ultra-important. As experienced real estate agents know, the worst home buyers and sellers are those without any time deadlines. Those folks can take forever to make decisions. 4. HAS THE SELLER OBTAINED A PROFESSIONAL HOME INSPECTION REPORT? Today's smartest real estate agents suggest their sellers obtain a professional inspection report at the time of listing the home for sale. Then the seller is fully aware of most home defects and can either have the defect repaired or fully disclose it to prospective buyers, thus averting future lawsuits. Sharp home purchasers, and their buyer's agents, understand this trend. When a buyer is seriously interested in a house, always ask if the seller has already obtained a professional inspection the buyer can review before making a purchase offer. Even if the seller has obtained customary professional inspection reports, smart buyers should always include in their purchase offers a contingency clause for the buyer's approval of their own inspection report obtained at the buyer's expense. Most states now have some form of required seller disclosure statement revealing known home defects. However, many sellers are not aware of all their home's defects, or they might "forget" to disclose a defect. The old days of "caveat emptor" (let the buyer beware) have disappeared. Today, the new rule seems to be "let the home seller beware of the buyer and his lawyer." 5. WHAT IS THE BUYER'S MOTIVATION TO PURCHASE MY HOME? Just as home buyers need to know the seller's reason for selling, to create a harmonious negotiation situation, home sellers should ask why the buyer wants to purchase. Of course, there are many home purchase reasons. However, if the buyer has indicated a key reason why that particular house is under consideration, such as its great condition, outstanding school district, or need to move in quickly, the seller can use that information to enhance their negotiation position. 6. ASK AN OPEN-ENDED QUESTION, SUCH AS WHAT ADDITIONAL INFORMATION SHOULD I KNOW BEFORE MAKING A DECISION? There are many variations of this question home sellers and buyers can ask, especially of their real estate agents. To illustrate, a home buyer might ask their buyer's agent "What else should I know about this house?" Or the seller might ask their listing agent "If you were in my situation, would you accept or counteroffer the buyer's purchase offer?" SUMMARY : When negotiating a home sale, sellers and buyers can't ask too many questions to enhance their negotiation position. The prime reason is to determine how motivated the other party is to buy or sell. If there is weak motivation, you aren't in a strong negotiation situation. However, if the other party is highly motivated, then you are in a strong circumstance to negotiate your strongest price and terms. More details are in my special report, "How to Become a Super-Successful Real Estate Negotiator," available for $5 from Robert Bruss, 251 Park Road, Burlingame, CA 94010 or by credit card at 1-800-736-1736 or instant Internet PDF delivery at www.bobbruss.com . Back to top © 2005 Inman News Home | Real Estate Reports | Real Estate Newsletter | About Bob Bruss | Site Map

PROPERTY LISTINGS SERVICE LINES

CB Richard Ellis - Property Listings Search / Advanced Search -- -- Employee Login Careers Contact Us Submit Acquisition Criteria Site Map About CBRE CBRE Worldwide Please select a country... - - - - - - - - - - - - - - - CBRE WORLDWIDE - - - - - - - - - - - - - - - United States Abu Dhabi Argentina Asia Pacific Asset Management Australia Austria Beijing Belgium Botswana Brazil Bulgaria Canada Chile Czech Republic Denmark Dubai EMEA Region France Germany Greece Guangzhou Hong Kong Hungary Ikoma/CB Richard Ellis India Indonesia Ireland Israel Italy Japan Kenya Korea Latin America / Caribbean Mexico Namibia Netherlands New Zealand Nigeria Norway Panama Peru Philippines Poland Portugal Romania Russia Shanghai Singapore South Africa Spain Sweden Switzerland Taipei Thailand Turkey Uganda The United Arab Emirates United Kingdom Venezuela Vietnam Zimbabwe PROPERTY LISTINGS SERVICE LINES RESEARCH CENTER OUR OFFICES OUR PEOPLE CLIENT TOOLS ABOUT US INVESTOR RELATIONS Global Home : USA : Property Listings email web link Property Listings :: Properties for Lease :: Properties for Sale Property Listings Online Search for properties meeting your criteria more quickly, easily and conveniently than ever before. Select one of the options to the left and search our updated database. Many of our listings include Web sites, online brochures, virtual tours, photographs and maps. For additional property listing information, please visit our Local Office Web Pages . These pages include detailed information on local market conditions, featured properties and specific information on the services offered in that area. CB Richard Ellis' online property listings are powered by LoopNet . Click here to view information on office space requirements under 2,500 Sq. Ft. Last Modified:Friday, December 02, 2005 © 2005 CB Richard Ellis / Disclaimer / Terms of use / Privacy Policy

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Virginia Real Estate: Charlottesville, Richmond, Northern Va Virginia Real Estate, Homes, Farms and Land, Charlottesville, Richmond, Northern VA WELCOME to the leading online Virginia real estate site for property listings and some of the finest luxury homes, land and farms for sale in the state, including equestrian acreage, beautiful country estates, condominiums and residential properties. The glorious landscape, radiant skyline and rolling hills that cascade along the country side of stately manor homes and luxurious estates that comprise our Northern Va, Richmond and Charlottesville real estate listings offer a peaceful and enlightening backdrop for raising a family and living life to its fullest. When you are ready to search for and/or sell your home and need an experienced Virginia real estate agent , consider the realtors that who strive to provide the best personalized and professional service for each and every client. We feature some of the finest Virginia MLS properties and offer experienced relocation services for Charlottesvi l le real estate , Albemarle County, Scottsville, Va., Madison, Greene, Scottsville, Augusta County, Richmond MLS, Central Va., Northern Va. and beyond... See our Statewide Exceptional Properties See our Middleburg Exceptional Properties FEATURED VIRGINIA HOMES FOR SALE Virginia Real Estate in Charlottesville, Scottsville, Augusta County, Staunton, Northern VA We maintain strategic partnerships in order to provide additional Virginia realtor and home buying , sales, services and resources in Arlington, Fairfax, Prince William County, Middleburg and Rappahannock, including homes, estates, farms and land for sale. Listing some of the most beautiful estates properties and residential real estate in Virginiahomes in the Old Dominion , o ur professional realtors, agents and luxury realty brokers are ready to find the right home for you. If you are searching for a home neighboring the nicest folk in the country, look no further than the Old Dominion, where peace of mind comes naturally. We are the Virginia realtors with residential homes for sale and luxury real estate from in and around town and across the state, not only Central Va and Richmond , but also Charlottesville, Albemarle County, Wintergreen, Staunton VA real estate , Nelson County, Greene County, Madison County, Scottsville , Augusta County, Arlington, Fairfax and Prince William County. Among our Virginia real estate listings and properties, you will find a balanced climate, and a venerable tradition of social and economic stability that have combined to create what Thomas Jefferson called "the Eden of the United States." Perhaps that is why Jefferson chose the Charlottesville country side, in the foothills of the Blue Ridge Mountains, to build his home, Monticello, and to found the University of Va. Charlottesville is a cultural hub permeating with a laid-back, enjoy-life attitude, and one of the best places to experience this first-hand is on the Historic Downtown Mall. Closed to vehicles, the Downtown Mall is a brick-paved, pedestrian-friendly row of lively restaurants, cafés, and bars—most with outdoor seating under the tall, shady oak tress, and many amplified in the evening with live local jazz, rock, funk, and more. If you decide to choose a life amidst the beauty, peace, serenity and security of the Blue Ridge Mountains, you will find that at any one time, the market offers a broad selection of properties and Va homes for sale, from Colonial farm houses to Jefferson-type estates in a wide range of prices. In addition, the market for attractive and luxurious Virginia homes for sale extends up and down the valley, from Northern to Central Va. stretching beyond the mountains to the eastern shore beaches. Take a tour in whatever location you choose with one of our qualified relocation agents or find your perfect luxury home within our pages and pages of featured property listings drawn from area association MLS multiple listing services. We offer a wide range of properties, land, houses, luxury real estate and homes for sale by owner - whether it is a country cottage or an elegant estate with farm land in Albemarle County, Va., or a condominium in Northern Virginia, we specialize in representing your interests in all aspects of the contractual process and promise to find the best available property at the best price. Our Virginia realtors and agents list some the most beautiful properties and homes and land for sale in the Charlottesville MLS/IDX, Richmond area real estate, the Shenandoah Valley, Northern Va, Arlington, Fairfax, Prince William, and Middleburg. Our selected luxury estates, residential homes, Virginia horse farms, land and equestrian real estate property range from any where around $250,000 to well over $1 million. With a plethora of beautiful estates, manor homes, luxury real estate, Virginia farms and down-home country estates, the great countryside of Virginia is a sanctuary for those looking to escape "the big-city life". Please make sure that you look through all of our estates, land and farm listings from Charlottesville, Richmond and Northern Virginia. Quick Site Map Welcome to Virginia | Virginia Home | Our Realtors & Agents | State Photo Tour | Va Realtor Services | Real Estate Services Statewide Exceptional Homes | Charlottesville, Albemarle Co. Homes | Charlottesville MLS Search | Richmond Va Real Estate Scottsville Homes for Sale in Albemarle Co. | Lynchburg, Va, Amherst County Homes | Staunton Va, Augusta Co. Real Estate Nelson County, Va, Wintergreen Properties | Madison. Greene County Properties | Northern Va Homes for Sale | Arlington Va Fairfax | Prince William County | Rappahannock Va Land & Acreage | Middleburg Homes | Middleburg Exceptional Properties About Virginia Real Estate | Moving, Relocation Resources | Moving to Charlottesville | Home Buying | Selling Your Home Charlottesville, Albemarle Co., Central Virginia Agents & Realtors | Northern Virginia Realtors | Richmond Va Area Realtors Unique Homes | Equestrian Farms | Golf Properties | Historic Homes | Waterfront Estates | Moving to Charlottesville, Va About Charlottesville Real Estate | About Albemarle County, Va | About Central Virginia | About the University of Virginia About Madison County, Greene County | About Wintergreen | About Middleburg | About Northern Va | About Richmond SITE FEEDBACK © 2000-2005 Virginia Estates/Frank Hardy Properties, All Rights Reserved 1575 State Farm Blvd, Suite 5 Charlottesville, Va 22901 directions | disclaimer | site map

Home equity for the

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