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FHLBank Atlanta Login | News | Careers | Events | Site Map | Contact Us * Learn More * Member Login * FAQs * Learn More * Approved PFIs * View Pricing * 2006 AHP Announcement * 2006 AHP Updates * CIS Sponsor Login * Sponsor Registration Highlights from the Bank Bank Declares 4.60 Dividend The board of directors of the Federal Home Loan Bank of Atlanta has approved an annualized dividend rate of 4.60 percent. Readmore Historical Interest Rates Now on FHLBAccess All FHLBank interest rates are available on FHLBAccess, the Banks online, members-onlysystem. In early 2006, current and historical interest rates will no longer beavailable on the Bank's public website. Readmore Learn More About Funding In Key West FHLBank representatives will be presenting at the Southeastern Conference of Community Bankers on Jan. 27, 2005. They will be describing innovative ways to fund your loan growth. Read more New Forms for EDP\CIP Advances Available The Bank has revised the application and supporting documentation for the Community Investment and Economic Development advance programs. New forms are in effect immediately and can be downloaded from our website. View EDP forms View CIP forms First-time Homebuyer Funds Still Available The Bank has nearly $200,000 of matching funds available for member financialinstitutions that are working with first-time homebuyers who need down paymentor closing cost assistance. Read more November BankTalk and HillTalk Available Get the details behind structured repos, streamline securities safekeeping and wire transfers with FHLBAccess, and learn how the Banks Community Investment Program can help you save money. Read more Structured Repo Discussion The Expander Advance Member Products and Services Guide Capital Plan Reference Contact List COLLATERAL CVR Fee Schedule Webinar Recording Eligibility Qualifying Collateral Reports (QCRs) Verifications Government & Industry Relations Legislative Action Center HillNet: Grassroots Advocacy Program Terms and Conditions | Member Privacy Statement | General Privacy Policy © 2005, Federal Home Loan Bank of Atlanta. All Rights Reserved. Atlanta, GA, 30309; 1.800.536.9650.
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Buy or Sell a Home - For Sale By Owner Canada (FSBO) - Private Sale Real Estate Listing Service Home Search -- Featured New -- Articles FAQ's News About Directory Testimonials Contact -- -- City: Select City Barrhead Barrie Brampton Caledon Cambridge Campbellford Courtice East York Georgian Bay Georgina Hamilton King Kitchener Lambton Shores London London Magog Markham Meldrum Bay Milton Minden Mississauga Newmarket North York Oakville Orillia Oshawa Pickering Port Dover Port Perry Richmond Hill Rockwood Rosseau Scarborough Severn Stouffville Thornhill Toronto Vaughan Wassaga Beach Waterloo Woodbridge Property Type: Select Type Commercial Building Business Farm Industrial Investment Office Plaza Power Centres Retail Store w/ Apt, Office Vacant Land Condominium Co-Op Apartment Co-ownership Apartment Condo Apartment Condo Townhouse Detached Condo Semi-Detached Condo Time Share Freehold/House Attached/Row Townhouse Commercial/Residential Cottage Detached Duplex Farm Link Mobile/Trailer Multiplex Rural Residential Semi-Detached Triplex I Want to: Please Select buy rent Price Range: Price Range under 1 000 1 000 - 5 000 5 000 - 10 000 10 000 - 25 000 25 000 - 50 000 50 000 - 100 000 100 000 - 250 000 250 000 - 500 000 more than 500 000 $ 0 $380,000 4 bedroom(s) Magog $1,950,000 4 bedroom(s) Lambton Shores Please Select Your Province Alberta British Columbia Manitoba New Brunswick Newfoundland Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon -- What is "For Sale By Owner" Real Estate? For Sale By Owner (FSBO) is a term that is used to refer to real estate , usually homes, which are being sold by the owner without the help of a real estate agent or broker. The For Sale By Owner method of selling a home enables the home seller to save thousands of dollars by not having to pay a large commission to a real estate agent upon the sale of their property. Sell Your Own Home , Save Thousands! Savings from an FSBO real estate sale can either be kept by the home seller as increased profit or passed on to the FSBO real estate buyer by offering the home for sale at a lower price. Typically, owners will list their home, land, condo or other property for sale using FSBO websites like PropertySold , local newspaper classified ads, word of mouth or other inexpensive advertising methods such as the placement of a For Sale By Owner Yard Sign in their front yard. Sell Property Buy Property Rent Property Sell Canadian Real Estate By Owner Sell a Home, Sell a Condo, Sell Land... 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PropertySold averages over 15, 000 qualified Canadian real estate buyers visiting our website a month from internet search engines so you can be assured your listing will receive massive exposure to people who are already looking to purchase real estate in Canada Total Control - Schedule appointments or open houses when it is convenient for you, manage your fsbo listing from the comfort of your own home 24/7. With a PropertySold FSBO listing you are in control! It's Easy - If you can sell your own car then you can sell your own home, it's that simple! We will give you all the tools, training and resources you need to sell your property quickly and easily. It's really not as hard as you think. Who knows your home better than you? The obvious answer is no one. So why pay a stranger thousands of dollars to sell your property when the most knowledgeable, motivated salesperson is you? PropertySold gives you all the tools you need to sell your home yourself at a very affordable price. More Information Package Options Buy Canadian Real Estate By Owner Typically, property for sale through a traditional real estate agent is priced to accomodate the commission the property seller would need to pay the real estate agent upon the sale of the home. Since these commission charges are often added onto the actual value of the home and are included in the asking price you, the real estate buyer, is forced to pay up to 7% more for the property than it is actually worth. Buying " For Sale By Owner " private sale homes and property can help you avoid these commission charges and get you the real estate you want at a better price. PropertySold features nationwide FSBO listings of Canadian single family homes, vacant lots, commercial property, recreational property, farms and ranches, mobile homes and condos. Most of these FSBO properties can not be found in any other MLS listing service. Advantages of Buying "For Sale By Owner" Real Estate No Agents, No Commissions - Save thousands of dollars by purchasing real estate directly from the owner without the need for a middle man. Since there is no agent commissions involved in the sale of the property the seller is able to pass these savings on to you, the FSBO real estate buyer Knowledgeable Salesperson - Who knows a property better than the owner? 24/7 Online Access to View Property Listings - Our website is available to the real estate shopper 24/7/365. Convenience - Browse through hundreds of Canadian property listings from the comfort of your own home. All FSBO listings on this website can be printed or emailed with ease. Contact information is included with the listings making scheduling appointments a breeze. Search For Canadian Real Estate "For Sale By Owner" Magazine Locator » -- Detached $229,900 5 bedroom(s) Hamilton Rural Residential $229,995 2 bedroom(s) Barrhead Detached $369,900 4 bedroom(s) Oakville Username Password -- Mortgage Calculator Mortgage Application Mortgage Guide Equifax Credit Report -- Ad writing tips Seller's Guide Buyer's Guide -- Real Estate Lawyers Mortgage Brokers Home Inspector Other Services -- 4 bedroom, Magog See more details 4 bedroom, Lambton Shores See more details View All Featured 5 bedroom(s), Hamilton See more details 2 bedroom(s), Barrhead See more details 4 bedroom(s), Oakville See more details View All New Listings -- -- Home | Buy Home | Sell Home | Terms & Conditions | Privacy Policy | Affiliates | Links | Contact Us | Site Map | Advertisers Home Buy Sell Terms & Conditions Privacy Policy Affiliates Links Contact Us Site Map Advertisers -- " Sell Your Own Home " - PropertySold.ca Inc. is the largest For Sale By Owner Private Sale MLS listing service in Canada. Buy a home by owner, sell a home by owner. Find real estate for sale in: Ontario - Quebec - British Columbia - Alberta - Manitoba - Saskatchewan - Newfoundland - New Brunswick - Nova Scotia - Prince Edward Island © 2004 PropertySOLD.ca Website Design - BDNwebdesign.com fsbo property listings -- 0.371662139893--
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Guide to Buying a House Abroad Guide in UK Net Guide: Homes & Property Home Business Money & Finance Jobs & Education TV Guide News & Weather Arts & Entertainment Homes & Property Lifestyle & Dating Sports & Leisure Health & Fitness Travel & Holidays Shopping & Gifts Motoring Homes & Property Property Gardening Furniture DIY Rate This Guide Not Rated -- Web Search GO Local Business Finder GO Sorry, you need inline frames to see this poll. Home >> Homes & Property >> Guides >> Guide Homes & Property Guide to Buying a House Abroad More than two million Britons own a home abroad, and more and more of us dream of jumping on the same bandwagon. But whats involved? How do I find a home abroad? Most people spot something while they are on holiday. Otherwise, several magazines list foreign properties for sale, including Exchange & Mart, Homes Overseas and Foreign Property News, and there are hundreds of websites offering overseas sales. Im really keen to proceed Its time for a reality check. Half drunk on sun and sangria and on a break from the office, almost anywhere can seem appealing. Ask yourself these questions: What is this house like in winter? What happens to the local area in the off season? Do I want to go to the same place every year? Are you prepared to spend your holidays organising foreign builders, roping in friends and doing the hard graft yourself? Have you considered the cost of getting to your holiday home? Cheap flights have opened up large parts of Europe to British buyers, but dont assume that those routes will be there forever of or that prices will stay low. Dont assume your house will rise in value. This is a peculiar British obsession. If you are buying thinking you can sell at a profit later, you could be disappointed. It may make more financial sense to rent. How do I raise the money? If you can buy with cash, do it. You will own the property outright without increasing your mortgage debt. This will mean fewer bills. If you don't have the cash, there are two ways to pay for a foreign home. You can extend your main mortgage, or you can get a new mortgage for the property. Extending your mortgage is presently a cheap way of raising cash, but you may not be able to get a remortgage for more than 75% of the property's price. But remember, you risk losing both homes if you cannot keep up payments. The other option is to take out a second mortgage on your holiday home. Several High Street companies offer mortgages overseas, including Abbey National and Barclays. Conti Financial services in East Sussex is one of many companies that can arrange mortgages for homes abroad. You often have to have at least 10% of the price in cash. Can I get a mortgage in the local currency? Yes, but you need to be aware of all the risks. Taking out a foreign currency mortgage could be dangerous. You are exposed to currency fluctuations: the pound can move against the euro or the dollar - if it weakens, your payments will increase. On the other hand if you are buying property in another country your home will be valued in that currency so it could make more sense to borrow in that currency. How long will it take to complete? It depends on the country you are buying in. Buy property in France and it could take up to 20 weeks to complete the transaction. In Spain, Italy, Greece and Portugal it will average between 12 to 18 weeks. Be aware the longer it takes to complete the transaction the more at risk you are from rate fluctuations, which could add thousands to the real cost of the property in the time it takes to complete. I don't speak the language You will need a reputable solicitor and valuer who is local. Your bank or mortgage lender should be able to help you find these professionals who also speak English. The Federation of Overseas Property Developers, Agents and Consultants has a list of lawyers who specialise in buying abroad. Beware that in some countries lawyers act for you and the seller, so make sure you're getting independent advice. Talk to a British lawyer before you sign anything, and remember, you often cannot pull out of an agreed offer as you can in England and Wales. Are there any hidden costs? Almost certainly. Britain has some of the cheapest home-buying costs in Europe. For example, French legal fees are high - ranging between 10% and 18% of the house price. There is also a regional tax and an occupancy tax if you live there more than eight months a year. In Spain, valuation costs 100, and loans must be signed by the public notary. This costs 580 on a 45,000 mortgage. Taxes and legal fees will normally amount to at least 10% of the property value. What about day to day running costs? The buying process is the not the end of the expense. Check carefully what local taxes you must pay, and be aware that in many blocks of flats you have to pay a service charge. You'll need to open a local bank account, as services such as water and electricity may only connect you if you sign a direct debit. Local bills must be paid in local currency - this costs money to buy and in some cases foreign banks charge extra for transactions. Are there tax implications? Yes. If you rent out your property abroad income will have to be declared to the British taxman. Check out the tax laws of the country you're buying in. There may be implications if you rent or sell the house. Many countries have reciprocal tax agreements with the UK so that you don't end up paying tax twice. You also need to make a will, as local inheritance tax laws may also come into play. Most of Europe is governed by Napoleonic law, which means that your children and spouse will be entitled to a share of your estate. This can create inheritance tax problems in the UK, where only assets left to a spouse are exempt from IHT. Get good advice. How do I insure my home? Ask your own home insurer if they offer a deal to insure a property abroad. Average User Rating: Not Rated -- Sponsored Links Buying in the Sun? Barclays' European mortgages and bank accounts - in France, Spain, Portugal and Italy. Guide to Moving Abroad Thinking of buying abroad? Try this site for advice and ideas. Save Money when Buying Property Abroad Great exchange rates, expert guidance, no commission and fast transactions. Make your money go further with Moneycorp. Advertising | Disclaimer | Privacy Policy | Email Us | Add URL | FAQ © UK Net Guide 2000-2005. All Rights Reserved. Thousands of properties on Loot.com now! Tools & Search Property Search Auction Search Compare Utilities Flatshare Search Home Insurance Search Mortgage Search New Homes Search Repossessed Homes Other Useful Guides More Guides... 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Homepages - Residential Property UK, UK property, Estate agents, UK property sales sell your home with homepages for 50 my email alerts mortgage quote market news help Home Club Investment Homes & Property Property Search Mortgage Quote My Email Alerts Moving Checklist Mega Search -- Market News Buyers Guide Sellers Guide Personal Finance Help & Reference Our Agents Agent Services Our Service Login Contact Us Help WAP Wap search Help Key Partners homepages.co.uk © 2003 moneyextra plc group. Advertise Our Awards Terms of Use Sales: 01494 865563 Property to Buy where: price: beds: Advanced rental properties on -- Moving Home? We have collected together the very best of on-line services for homebuyers including : sell your home for just 50+vat rent your home out with Homepages for 25 quick and easy household insurance online find a better mortgage find an on-line surveyor get a removals quote get the House Doctor in check the area you are moving to The Homepages database properties and -- was last updated on . Check our coverage map for the areas we currently cover - we have tens of thousands of properties from Lands End to John O'Groats, or browse our properties. We have a Help page for full details about all the services on this site. Selling your own home for 50+vat Have you decided that you want to sell your home yourself? We offer a straight-forward fixed-fee property advertising service for 50+vat. Fill in our online form to register your property . Full details on our service are available here . Mortgages Hunting for the best deal? Look no further - compare mortgages from 120 lenders on our mortgage pages. Rates are updated constantly and you can search according to your own specific criteria Interested in being on the telly? RDF Media, the producers of Wife Swap and Faking it are currently looking for people to take part in their newBBC property show Come Buy With Me. If you ever thought about buying a property with someone else but haventfound the perfect person yet, we will help you. The Come Buy With Me team will select and match you up with asuitable property partner as well as find you a great new home. Please e-mail Beatrice or Beth on ComeBuyWithMe@rdfmedia.com or call on 020 7013 4517.They look forward to hearing from you. Homebuyers calculator Calculate how much you can borrow with our Homebuyers calculator or check on your insurance costs with our Home Insurance calculator Guides to Moving Home Some guides to help you through the minefield that is buying your home The state of the property market Buying your own home Selling your home A moving home checklist About us: Homepages Our services for estate agents Help in using Homepages Saving Money Moving Home We have collected together all sorts of on-line help to save you time, effort and money when moving home On-line solicitors On-line surveyors On-line removals firms On-line household insurance A moving home checklist A service to house hunt for you Get your house in order Improve your new property Some books to help with moving These books have proved popular with visitors to our site and provide the background information you need when moving home. Click to buy online Homepages is now available on PDAs Homepages is available on your PDA, including Palm Pilots . Click here for more information , or just point your browser at http://www.homepages.co.uk/pda/ . Our WAP Portal Homepages is available on your mobile phone. Set up a bookmark to http://wap.homepages.co.uk/ or click for more information . Featured properties Click photo for details !-- vote begins -- Have Your Say Which sort of mortgage do you think offers the best deal for homebuyers? Endowment Interest only Variable rate repayment Fixed rate repayment Depends on personal circumstances !-- vote ends -- WordSearch Enter your query below to search for properties containing the word: TextSearch Enter your text below to search the site for pages containing the words: Visitor Comments We welcome on our website This site is powered by Homepages in association with moneyextra.com. moneyextra is provided by Moneyextra Limited which is an appointed representative of Chase de Vere Investments PLC. Chase de Vere Investments PLC is an independent intermediary regulated by the Personal Investment Authority. The PIA does not regulate mortgages, current or deposit accounts, credit cards, loans and general and medical insurance.
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Amazon.com: Back Home: Music Your Store Music See All 32 Product Categories Your Account | Cart | Wish List | Help | advanced search | browse styles | classical | top sellers | new & future releases | music you should hear | blowout music | used music | free downloads Search Amazon.com Popular Music - Artist Name - Album Title - Song Title Used Music Classical Music Music Downloads Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . MUSIC INFORMATION Explore this album buying info listen to samples editorial reviews customer reviews RATE THIS ALBUM I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the DVD Store Cream - Royal Albert Hall - London May 2-3-5-6 2005 DVD Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . 120 used & new from $4.75 Available for in-store pickup now from: $16.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Back Home Eric Clapton List Price: $18.98 Price: $13.49 & eligible for FREE Super Saver Shipping on orders over $25. See details . You Save: $5.49 (29%) Availability: Usually ships within 24 hours 120 used & new from $4.75 See more product details Best Value Buy Back Home and get American Made World Played at an additional $2 off Amazon.com's everyday low price. Total List Price : $37.96 Buy Together Today: $25.48 You Save : $12.48 Click here for promotion rules Customers who bought this title also bought: Souls Alike ~ Bonnie Raitt A Bigger Bang ~ The Rolling Stones Magic Time ~ Van Morrison Prairie Wind ~ Neil Young 80 ~ B.B. King Chaos and Creation in the Backyard ~ Paul McCartney Wildflower ~ Sheryl Crow Devils & Dust [DualDisc] ~ Bruce Springsteen Explore Similar Items : 20 in Music , 20 in DVD , and 20 in Books What similar items do customers ultimately buy after viewing this item? More than 33% buy CDs from The Bob Dylan Bootleg Series . 26% buy this item(Back Home~ Eric Clapton 12% buy Cost of Living ~ Delbert McClinton 6% buy Hillbilly Deluxe ~ Brooks & Dunn 4% buy All That I Am ~ Santana 4% buy The Word Is Live ~ Yes 2% buy At Carnegie Hall, Vol. 1-4 (Chicago IV) ~ Chicago Explore Similar Items : 9 in Music , 9 in DVD , and 9 in Books Product Details Audio CD (August 30, 2005) Number of Discs: 1 Label: Warner Bros / Wea ASIN: B000A3DFZE Average Customer Review: Based on 114 reviews. Write a review . Amazon.com Sales Rank: Today: #248 in Music Yesterday: #215 in Music Popular in: Osseo, MN(#13) , Coventry, RI(#13) . See more Customers interested in Eric Clapton may also be interested in Sponsored Links ( What's this? ) Feedback Eric Clapton Songs Download Your Favorite Songs 100% Free And Legal! www.GetMusicFree.com Eric Clapton Concert 01/06/06 Ahoy Rotterdam Bestel uw tickets op onze website www.onlineticketshop.nl Listen to Samples To hear a song sample, click on the "Listen ." Visit our audio help page for more information. 1. So Tired Listen Listen 2. Say What You Will Listen Listen 3. Im Going Left Listen Listen 4. Love Dont Love Nobody Listen Listen 5. Revolution Listen Listen 6. Love Comes To Everyone Listen Listen 7. Lost And Found Listen Listen 8. Piece Of My Heart Listen Listen 9. One Day Listen Listen 10. One Track Mind Listen Listen 11. Run Home To Me Listen Listen 12. Back Home Listen Listen Editorial Reviews Amazon.com Back Home is Eric Clapton in a good mood, filled with upbeat toe-tappers about hearth and home (a young child even puts in a cameo on "So Tired"). Blues-rock ("Lost and Found"), reggae ("Revolution"), and R&B (the Spinners' "Love Don't Love Nobody") mingle comfortably with laid-back pop (George Harrison's "Love Comes to Everyone"). Recorded around the same time as Me and Mr. Johnson , his bestselling collection of Robert Johnson songs, Clapton's first recording of (mostly) original material since 2001's Reptile is a combination of solo compositions, covers, and collaborations with writing partner Simon Climie. Backing musicians include John Mayer (guitar), Blind Faith mate Steve Winwood (synthesizer), and longtime associate Billy Preston (keyboards), whose expertise with the Hammond B3 shines brightest on the Vince Gill cowritten "One Day". There are no real surprises on Back Home , just Clapton doing what he does best--with an extra spring in his step. --Kathleen C. Fennessy Album Description Back Home, Eric Clapton's first album of original material in several years, follows this summer's historic and heralded Cream reunion and 2004's gold, Top 10 Me and Mr. Johnson covers disc (and it's audio/video companion, Sessions for Robert J). With Back Home, three-time Rock and Roll Hall of Famer and 16-time Grammy winner Clapton finds his way home with another modern classic. Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 104 of 126 people found the following review helpful: A happy Eric is not Eric... , September 2, 2005 Reviewer: Albert G. Smith Jr. (Daytona Beach, Fl USA)- See all my reviews I am torn here. In the review I posted for the last Mark Knopfler CD, I defended the lower prominence of lead guitar, based on the fact that this is 20-something years later than "Sultans of Swing", and an artist grows, as they should. I tried to apply this same standard to this Clapton album, but it just doesn't work for me. Knopfler might have cut back on the guitar gymnastics, but the tone and subject matter of the songs remain that same Knopfler that made me buy all of those albums. A happy Clapton is not Clapton. I'm glad his life is going well, but this also might prove that art comes from suffering. I am not a casual fan. I have every Clapton release (some on old vinyl), and tracked every vintage of his career. I can throw an old disc on that I have heard a thousand times, and experience it like new every time. I'm afraid "Back Home" will soon be relegated to the back of my CD shelf next to the dusty Pilgrim and Reptile discs. Thanks for the decades of great music Eric, but it looks like the days of buying every new album sight unseen has reached the end. I wanted to like this disc, I really did. 3 stars because this is technically a fine recording. The two missing stars are for the missing desire for me to listen to this disc after the first couple of tries. Was this review helpful to you? ( Report this ) 33 of 37 people found the following review helpful: In a nutshell - pleasant, but unexciting , September 20, 2005 Reviewer: Amanda Richards (Georgetown, Guyana)- See all my reviews It's been about five years since Eric Clapton delivered an album with original material. Of the twelve songs, Clapton has writing credits for five, including the first single "Revolution", a reggae-based song reminiscent of "I Shot the Sheriff", except unlike the latter, this one is a somewhat flat, unexciting track. Boosted by guest appearances, the album mixes reggae, R&B, pop and country. Contributors include George Harrison, who wrote "Love Comes to Everyone"; The Spinners' "Love Don't Love Nobody"; "I'm Going Left" from Stevie Wonder and Syreeta Wright; plus Vince Gill, Steve Winwood and John Mayer among others. Most of the songs can be classified as "easy listening" and can evoke the occasional head bob and hum, but they're all relatively standard songs, with nothing really worth shouting about. An average album, and not one of Clapton's best, something like an Oreo cookie without the good stuff inside. Rated 3.5 stars Amanda Richards, September 21, 2005 Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. Middle of the Road , December 29, 2005 Reviewer: John Harwell (Grove City, OH USA)- See all my reviews Eric Clapton's new CD is not Eric Clapton. That's as plain as I can say it. The majority of the cuts are lilting Top-40ish sounding ditties about love and kids and general non-offensive subjects. The few blues sounding cuts have huge organ runs and what sounds like an entire choir backing his vocals. Orchestrated Blues? C'mon. There will probably huge numbers of fans who like this album, but they are NOT Eric Clapton fans. This is purely a generic "hit" album. I am not saying EC should not do happy songs, but I did not buy the CD for this "kinder, gentler" music. I personally want raw guitar and damnable blues. He is too talented for this pop album. Pure middle of the road. Was this review helpful to you? ( Report this ) What's wrong with this album? , December 29, 2005 Reviewer: Andrew Brooks (Carson, California)- See all my reviews After one listen, particularly after the jigging "So Tired," I started liking this album immediately. It's an easy-listening/bluesy album about love, introspection ("Back Home" comes to mind), family, and belonging. I don't understand why people only listen to just Eric Clapton's guitar and not his vocal. The singer's vocal, as well as his/her instrument, is what sets the mood for the song. Just like that saying in "Death of a Salesman," it's not "what you say." It's how you say it. And here, Eric Clapton says it well. He's happy, he's living life to its fullest, and he wants his audience to know it. A person doesn't always have to be depressed in order to make good music. Eric Clapton is one of THEE best musicians that have ever lived, next to Bob Dylan. Give the man a break. :-) Was this review helpful to you? ( Report this ) 1 of 3 people found the following review helpful: quit knockin a great master , December 27, 2005 Reviewer: Patrick Tsushima (San Diego, CA USA)- See all my reviews Clapton has been through more than any other musician alive the only part he may have been beat on is the drugs by say perhaps ozzy but clapton can still talk like a normal person. Anyhow point is this album may not be his classic heavy blues and whiskeyed downtime kind of thing, but for some jack ass to say that a sad clapton is not clapton annoys me enough to waste my damn time writing this stupid review when I could be playing the git fiddle I was juts and will be in just a second laying on my lap. That jackass may not be a casual eric clapton fan but he probably doesn't play guitar otherwise he would know how to critique a guitarist singer, without making himself look like a fool, and yes jackass too. Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: Give him a break, he's happy! , December 23, 2005 Reviewer: C. Lyons (Phoenix, AZ USA)- See all my reviews I have been a fan of Eric Clapton since he was in Cream, and have every one of his CDs. I think that Mr. Clapton has earned the right to let his fans know that he has found love and happiness in his beautiful wife and children. I think he has accomplished that without being untrue to his roots. I for one, and happy that he has found happiness and I am enjoying this toe-tapping CD! Was this review helpful to you? ( Report this ) See all 114 customer reviews... Customers who bought titles by Eric Clapton also bought titles by these artists: Derek & The Dominos John Mayall Cream Allman Brothers Band Jimi Hendrix Explore similar artists So You'd Like To... Stock up on these great things. :by Philipa C. Field , SL Interpreter, shopper, parent Have A Fundamental Eric Clapton Collection :by Mike Vegas King , A Journeyman Fan delete a "so you'd like to?" but can't? lol :by MovedbyMusic , can find loopholes anywhere Listmania! What"s in the CD changer right now :A list by Earl Biringer , Music Listener The Rolling Stones Studio Albums :A list by DEAN M. Dent , Musician Bonnie Raitt: Blue Angel From ... 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