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Commercial Real Estate Brokers Commercial Real Estate Listings & News Home Search Advertise News Customer Service CityfeetSpaces -- Thursday, December 29, 2005 Commercial Broker Directory For information about posting a Featured Ad, please email us or call us toll free at 1-866-527-0540. Cityfeet.com offers the most extensive free to search commercial broker directory in local markets across the United States. Find a broker in your area today. Free to search. No registration required. Detailed information including broker bio, photos and more... Contact brokers via phone or send an email inquiry. LOCATION -- Select a Region -- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Outside the U.S. SPECIALTY Lease Sale Office Medical Office Retail Industrial Lofts/Showrooms Flex/R&D Other Terms of Service Cityfeet.com is the leading website for finding commercial real estate brokers throughout the United States. Cityfeet.com can help you find the broker that is right for you. Search our free comprehensive database of for sale, for lease and tenant rep brokers by location as well as specialty. Please click here to promote your Brokerage Services. ©2004 Cityfeet.com - All Rights Reserved Home | Search | Advertise | Customer Service | About Us | Privacy Statement | Site Map Find Commercial Real Estate Listings - Cityfeet.com Company Overview : Cityfeet is the leading online commercial real estate network, connecting commercial real estate property owners and brokers to tenants, brokers and investors. Cityfeet offers commercial real estate products and services catering to the national and local needs of the commercial real estate industry . Cityfeet specializes in all commercial real estate property categories including office space, executive suites, commercial land, industrial property, retail space and businesses for sale. Cityfeet is the #1 source of free commercial real estate information for commercial real estate professionals and powers the commercial real estate area of many of the countries most popular websites including Yahoo! Realestate.com and The New York Times. ( See all partners ) Commercial Real Estate for Lease | Commercial Real Estate for Sale | Executive Suites | Businesses for Sale | Commercial Real Estate Broker Directory | Cityfeet Local

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MSN Money - The hazards of some home-equity loans 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 Don't get fooled by the "special programs" offer mentioned in advertisements. Today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Recent articles by Terry Savage: • How to limit divorce's financial sting , 1/5/2003 • 5 financial steps to help your aging parents , 1/5/2003 • Prepare for the unthinkable: long-term care , 1/5/2003 More... The Basics The hazards of some home-equity loans advertisement What looks like an easy way out of debt could one day put your family out on the street. Get the facts behind those enticing ads for 125% home-equity loans before you put your home on the line. By Terry Savage What looks like a great deal, but could turn out to be the most devastating financial decision of your life? It's when you consolidate credit-card debt by taking out home-equity loans for more than the value of your house, sometimes for up to 125% of the home's value. Unlike traditional home-equity loans that rely on the equity you've built up in your home, these loans aren't tax deductible and usually carry higher interest rates. Find a loan that's right for you at the Loan Center By television, direct mail and now by e-mail, lenders are pushing you to consolidate your credit-card debt by borrowing on your home. Here's the text of an actual e-mail I received recently: Consolidate Debt, Refinance Your Home or Put Cash In Your Pocket! We Have Special Programs with rates starting as low as 2.5% APR 7.22% Special Programs for Self-Employed Borrowers Previous Bankruptcies or Foreclosures OK!! Debt Consolidation - pay off high-interest debts and get the cash you need Second Mortgages - get 125% of your home's value. The television commercials make it look easy and enticing. A top athlete, like quarterback Dan Marino, offers you the chance to cut your monthly payments, pay off your credit cards and take out extra cash to remodel your kitchen or go on a vacation. But think twice. It's important to understand the risks, as well as the attraction, of those lower monthly payments. For some, this is the way to go For many people, a home-equity loan is indeed the smart way to borrow. The interest rate is typically lower, and the interest is tax deductible. Plus, home-equity loans are amortized over about 15 years vs. about four years for credit cards. That means the monthly payment on a home-equity loan is far lower than a minimum required credit-card payment. For example, if you owe $10,000 on your credit card at 15%, you'll probably have a monthly payment of $278. But the same amount owed at 15% on a home-equity loan that's amortized over 15 years results in a monthly payment of only $140. The more you owe, the more enticing a home-equity loan looks. At $20,000 in debt in the same scenario, the home-equity loan costs $280 a month, while the credit card and/or auto debt requires a $557 monthly payment. The trouble comes when people borrow all their home equity to pay off their debts, but they haven't learned how to manage their money well enough to avoid running up credit-card debts and auto-loan debts again. In fact, the lenders have a name for this process: It's called "reloading." Then, if the economy slows or one of the breadwinners loses a job, the next time you get into credit-card trouble, you could actually lose your house. Statistics from the Mortgage Bankers Association underscore the problem. The percentage of homes foreclosed in 1998 was 1.16%, about double the rate of the terrible recession years of the early 1980s, when 0.59% of homes were in foreclosure. The rising foreclosure rate comes even as bankruptcy rates remain high, with 1.2 million filings in 1999. But as people try to avoid bankruptcy, they're increasingly taking out home-equity loans to pay off their other bills. As a result of those home-equity loans (and new mortgage programs designed to help people buy homes with down payments of less than 5%), Americans have a lower percentage of equity in their homes than at any time in history. Essentially, an unsecured loan The real kicker comes if you borrow past the value of your home. Unlike home-equity loans, these loans usually are not considered tax deductible. The law says that all interest on a first mortgage (of up to $1 million) is deductible. And interest on up to $100,000 of a second mortgage or home-equity loan also is deductible. By law, interest on any part of a loan that exceeds 100% of the value of your home is not deductible. In addition, lenders typically charge higher rates, because you've essentially taken out an unsecured loan. An unsecured loan means there is no collateral in case you default on the loan. A mortgage for up to the value of your home is "secured" by the home itself. Many lenders charge interest rates seven or eight percentage points higher than traditional mortgages. In some cases, that's twice what you'd pay for a regular mortgage or home-equity loan. Don't get fooled by the "special programs" offer mentioned in advertisements like the one I mentioned earlier, either. They're either introductory loans, which require large "balloon payments" several years later, or adjustable rate loans in which the rates -- and the payments -- can increase every year. As long as the loan is repaid, it's very profitable. And the lenders know that paying off mortgage or home-equity loans takes a high priority in a consumer's mind, so the default rate is far lower than on unsecured credit-card lending. SMR Research, a financial industry market-research firm, reports that about 30% of all home-equity loans are sub-prime. That is, these are loans made to borrowers who are considered a poor credit risk -- the very people most likely to be caught in the crunch when the economy turns down. Bankruptcy: the only escape The greatest danger for those who fall for this pitch is the fact that they've put their home on the line. If they fail to make the payments, the lender can force the home to be sold in a foreclosure proceeding. The grantor of the original mortgage must be paid off first; then the home equity lender collects what's left from the sale price. And if there's not enough equity to repay the home equity lender, a default judgment will be entered against the borrower for the difference. The only escape is bankruptcy. The generation that went through the Great Depression of the 1930s learned the hard way not to borrow against the family home. So many people lost their homes that by 1935, banks categorized 20% of all mortgages as "real-estate owned" -- that is, foreclosed. But today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Rising home prices have tempted homeowners to count home equity as a source of ready cash. But that kind of home equity borrowing should only be done as part of an overall financial plan and a disciplined approach to money management. Otherwise, today's easy way out of debt could one day put your family out on the street. 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. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help

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Property search from Channel4.com/4Homes E4 More4 FilmFour FourDocs TV Listings Site A-Z NEWS FILM HOMES LIFE ENTERTAINMENT HISTORY SCIENCE COMMUNITY SHOP SPORT CULTURE CARS MONEY VIDEO LEARNING HEALTH MUSIC GAMES Home Welcome News On TV Grand Designs Grand Designs Abroad Previous Houses Features Information Streets Ahead Property Ladder Location, Location Relocation, Relocation Home from Home City Gardener Selling Houses Room for Improvement Up Your Street Making Space A Place In The Sun The Great Garden Challenge Home or Away A Place in France A Place in Greece A Place in Greece House Auction More Programmes Presenters TV Listings Buying & Selling Where to Buy How to Buy How to Sell Special Cases House Price Index Renting Property Search DIY & Building Guides Building a House Ask the Expert Style Design Guides Features Living Rooms -- Bedrooms -- Kids Rooms -- Storage solutions -- Dining Rooms -- Home Office -- Hall -- Outdoor Living -- Period Styles -- Buying Abroad Country Guides Features Property of the Week Chat, Vote & Win Vote Win Forum -- Newsletter Forum Profit from Property Buy to Let Property Development Money Deals SEARCH All 4Homes: On TV Buying & Selling Renting Property Search DIY & Building Style Buying Abroad Chat, Vote, Win Profit from Property PROPERTY SEARCH Property Search Search our database of over 150,000 properties currently for sale. Sell Your House Online Advertise your home to a huge audience by submitting it to the 4Homes property search Guides Buying At Auction A great opportunity to pick up a bargain but definitely not for the uninitiated Buying & Selling Everything you need to know when it comes buying or selling property How to Buy Not sure what freehold and leasehold mean? Let us help. How to Sell Smartening up your home for a faster sale. Finding The Right Property Finding the right property can be a long and tiring process, especially with so much choice on the market. Finding The Right Area Finding the right area to live in is invariably trickier than finding the right house UK PROPERTY SEARCH Over 150,000 homes Type a location: Price range: Min Price £0 £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 Max Price £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 £10,000,000 Min bedrooms: Min Beds 1 2 3 4 5 6 New homes only 4HOMES MAIL Enter your email to sign up to the 4Homes newsletter CROSS PROMO 1 Property search poll text text text text text text CROSS PROMO 2 Property book text text text text CROSS PROMO 3 Property link text text text text About C4 | Jobs | Text Only | Access Advice | Contact Us | Terms and Conditions | Privacy | Help | Online Ad Sales

Investment Property Calculator Our

Investment Property Friday, 30.12.2005 Calculate Everyday Banking Ways to Bank E-Commerce Solutions Borrow International Trade Property Finance Plant, Equipment and Vehicle Finance Information Debtor Finance Apply For... Search this site Go | BNZ Home | Site Map | Terms & Conditions | Contact Us | Rates & Fees | Careers | Investment Property Calculator Our investment property finance calculator is a unique tool developed to help you as an investor test the affordability of property investments you might be considering. It can help you to find out what level of surplus or deficit your "financed" property investment may generate. To move between fields use your mouse, or the Tab button on your keyboard. For further help on using the calculator, just read our instructions . Enter the property's annual rental income: $ Enter the yield you wish to obtain: % Purchase Price: $ ~ result Enter either: loan amount as % of purchase price: Or amount of cash or equity you wish to contribute: 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% $ Loan Amount: $ ~ result Loan Repayments: Interest Only Principal & Interest Interest Rate: 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00% 10.25% 10.50% 10.75% 11.00% 11.25% 11.50% 11.75% 12.00% Repayment based on year term Annual Repayment: $ ~ result Surplus: $ ~ result Surplus return on cash contribution: % ~ result How much will be owing on my loan after years? Amount Remaining: $ ~ result How to use the calculator: Rent is the source of income from any investment property that you may be considering. Key in the rental income that your proposed investment will generate. Yield is the rate of return you expect to achieve from any property investment you may wish to make. Key in the yield that you believe is an appropriate return on your investment. The combination of the rental income together with the yield you expect will determine the amount you will need to pay for the property to satisfy your return expectations. Enter the cash (equity) you would like to contribute to the investment; or Select the loan amount as a percentage of the purchase property you are considering, to test the tolerance of your investment compared to debt levels. Which loan repayment option would you prefer? Interest only or principal and interest? Select an option. Interest rate? Select an interest rate option , or call a property finance lending manager for a quote. Term? The term of your loan will also affect the level of debt servicing that your financed investment property can sustain. Select a term over which you wish to repay your debt. What the calculator will tell you: The price you are prepared to pay for the property you are considering, based on the rental income from the property and the return (yield) you expect on your investment. The total of the annual payments to service the debt on this proposition, based on the percentage you have considered borrowing against the purchase price, the repayment option you have selected and the term you have chosen. The cashflow surplus before any overheads, depreciation, miscellaneous costs and taxation. What it won't tell you: The quality of the rent. Before you make any investment, you must independently check that the tenant(s) in the property you are considering purchasing have a sound track record, and can be relied upon (in your opinion) to pay the rent. The quality of the property. Check with a registered valuer about the quality of the investment you are about to make. Ask a property finance lending manager for some guidance on how to choose a registered valuer to help you in making a prudent decision. The quality of your investment decision. Once again, we recommend you seek guidance from a registered valuer, a solicitor and an accountant in helping you make a sound decision. Ask a property finance lending manager for some guidance on how to choose your professional advisors. DISCLAIMER The calculator is provided for general information purposes only and does not form advice given by Bank of New Zealand. Bank of New Zealand accept no liability whatsoever for the consequences of any use of the calculator which shall not constitute an offer of finance. back to top © Bank of New Zealand 2001. Use of the information contained on this page is subject to our Terms and Conditions

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Colorado HomeFinder | Golden Real Estate, Search Golden Homes for Sale in the MLS Call 800.231.9153 | Contact Us If you already have an account, sign in here Golden Colorado Real Estate - find out first about the newest Golden real estate listings! You learn about Golden homes for sale the day they hit the market - before other buyers. Automated HomeAlert emails you new listings that fit your personal home search criteria and gives you access to all the Golden Colorado real estate listings. It's easy - Just submit your email address and home search criteria. Your email is not shared or sold to anyone. You incur no obligation or cost for this free Golden real estate service. Our Privacy Policy: We respect your privacy. All information provided is strictly confidential and you can unsubscribe at any time. Colorado HomeFinder will never sell or share your information with any outside parties. Click here to review our Privacy Policy . 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