new home A C-141

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

Home Mortgage

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Land Loan : 1.

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Real Estate Agent

Smartmoney.com: Consumer Action: Ten Things Your Real Estate Broker Won't Tell You Thursday December 29, 2005 3:23 PM ET U.S. Markets close in: :37 Search (choose an option below) Quote Charting Earnings Ratings Competition Financials Profile Key Statistics Insiders Site Search News (Enter Symbol) advanced search SmartMoney Select My Portfolio Tools Maps Stocks Advanced Trading Funds ETFs Personal Finance Autos Career Journal College Planning Debt Management Health Care Insurance Life LTC Insurance Real Estate Retirement Tax Guide Economy & Bonds Small Business SmartMoney TV SmartMoney Magazine SmartMoney University Business Travel Technology SmartMoney Mobile Holiday Survival Guide Select Homepage Stock Screener Market Map 1000 Fund Screener Stock Compare Fund Map 1000 Fund Compare XStream Quotes More... 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Editor's Picks Features Ten Things Real-Life Index Advertisement 4.25% APY with hsbcdirect.com Online Savings. Earn 8X the national savings average and make money into big money. No minimums. No monthly fees. Member FDIC. Email This Story Print This Story Save This Story Send Us Your Comments Add this column to your News Alerts (New!) 1. "Your open house is really a party for me." Hire a real estate broker to sell your home and one of the first things he'll likely suggest is hosting an open house, so potential buyers can casually check out your property on a weekend afternoon. While open houses are promoted as a great way of finding a buyer, a National Association of Realtors study found that their success rate is a mere 2%. No matter. Having an open house serves another important purpose — for the broker. "It gives him a database of clients," says Sean McNeill, an independent real estate broker based in New York City who says that he doesn't like open houses, preferring to match clients with appropriate buyers. "At open houses, you get all kinds of people walking in. Some are [trying] to see how much they should sell their own places for; others just want to get a look at what's out there." All are perfect pickings for a broker looking to increase his roster of buyers and sellers. "Think about it," McNeill says. "The broker is devoting a couple hours of a weekend. He won't do that unless it helps him in a big way." 2. "My fees are negotiable." Brokers like to make it sound as if their fees are engraved in stone, but that's rarely the case — especially in a brisk market, when brokers fiercely compete for properties they can unload fast. This past summer one broker in the Midwest says he lowered his fee by a full percentage point because there was so much demand for good properties that he needed leverage. Indeed, says the broker, who asked not to be named, sellers should shop around for broker's fees. He suggests these negotiating tactics: "If somebody's willing to commit to me for selling one place and buying another, I give a discount. If you're in a particularly desirable neighborhood with a house that will bring a lot of traffic" — say, at an open house — "that can be used, because the broker will use the flow of people to get potential customers. And with some [smaller] brokers, all you need to do is ask and they'll lower the commission." 3. "Think you've had no offers? Actually, there've been several." Legally, the broker you hire to sell your home is obligated to tell you about all offers that come in. In reality, some don't. Perhaps he thinks the offer is insultingly low for you, but more likely, "the broker thinks it's too low for his own purposes. He wants to hold out for a bigger commission," says McNeill. Or else there's an outside broker (or "co-broker") circling your house, and the primary broker is waiting for one of his own clients to make an offer so he can keep the full 6% to himself. "You must be clear with your broker that you want to be informed of all offers," McNeill says. "Otherwise, you may be leaving him to make decisions that you should be making." Check the listing agreement drawn up when you hire the broker; if the promise to disclose all offers isn't listed explicitly, insist that it be added. 4. "I talk about you behind your back." You spot your dream house as you're driving through a neighborhood and call the broker listed on the For Sale sign. That's how a lot of buyers stumble on a broker — who, in turn, happily shows you other houses, asking about your needs, laughing at your jokes. It's easy to get loose-lipped and forget whom you're dealing with: someone else's agent. "Legally, brokers are obligated to provide their sellers with any information that can help them get the best prices for their homes," says Stephen Israel, president of Buyer's Edge, a Bethesda, Md.-based company that represents homebuyers. "If you tell the broker that you're willing to pay $500,000 but want to offer $450,000, they'll pass that on to the seller. They have to." Also, some brokerage companies encourage prospective buyers to get preapproved for loans. While that can make a buyer more attractive to a lender, it also tells a broker whether a buyer can afford a $600,000 house when he's trying to haggle on a $400,000 property. "When somebody asks for [a preapproval], find out who they're representing," says Israel, acknowledging that such details can short-circuit your negotiating leverage. "If they represent a seller — or someone in their office does — they shouldn't have it. The broker may tell you she will be impartial, but how can she be?" 5. "Sometimes I forget whose side I'm on." The past 10 years have seen the proliferation of the buyer broker, agents who are supposed to work strictly in the buyer's interest, helping him get a fair price on a home as well as avoid pitfalls along the way. Unfortunately, things don't always unfold so nicely. While buyers may think they're getting a broker who isn't commission-hungry, many buyer agents are just that: They usually get about 3%, the same amount any broker typically earns when he gets involved with another agent's listing. "Buyer brokers are sometimes too focused on closing the sale and getting that commission," says Max Gordon, an Overland Park, Kan.-based real estate broker and attorney, so it's often in their best interest to see you pay as high a price as possible. Even worse, some brokers who call themselves buyer advocates are actually working for companies that also represent sellers. "Brokerages offer bonuses to buyer agents if they sell an in-house listing," says Israel. A good way to get a broker who has no such conflicts of interest: The National Association of Exclusive Buyer Agents, whose Web site (www.naeba.com) can help you find a buyer agent near you who pledges to help you get the best deal possible and has no ties to sellers' agents; many even work on a fee structure rather than on commission. Page 1 | 2 Consumer Action Archive To license this content, click here ADVERTISEMENTS Click here to get your FREE report -- The Motley Fools´ 2 Top Picks. Receive a $50 Hyatt Gift Card.Book online using your American Express Card Get 4.25% APY at hsbcdirect.com. Earn 8X the national savings average. Learn about every move Jim Cramer makes before he acts. Learn options trading at a free workshop in your area! Top 10 Breakthrough Stocks for 2006 Yours Free!. $7 stock trades. Open a Scottrade account with just $500. Apply online FREE Options Tip 1: AVOID an option´s last month.Get 4 more here-free! Learn how to stay connected to your customers. Free guide at: See how Sprint Business has helped the PGA move forward. Capital One High Yield Savings - 4.00% APY. Earn More Now! New! SmartMoney Mobile. Stock quotes, market news and more on your mobile phone. BusinessWeek Investor Education. Take control of your financial future. 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