Real Estate Broker

BuyMyself - Canale, IRED Attitude & News Home Directories Int'l Realty US Realty BuyMyself Choosing A Real Estate Agent By Stephen M. Canale, Ann Arbor, Michigan, USA There's a common saying in the real estate industry regarding the vast number of agents in the business: "If you don't have any friends who are agents, then you probably don't have any friends at all." With so many agent out there, how can you make an intelligent decision? Do you choose a friend, neighbor or coworker? Should you work with an agent at a large firm, a small firm, a franchise or an independent? While there's an exception to every rule, and every marketplace has its own nuances, here are some solid rules to apply when you want the best representation to protect your interests. Demand Experience The real estate profession is plagued by high turnover. This creates a workforce that is made up of many newcomers. While there are brand new agents with good intentions, why trust one of the largest investment you'll ever buy or sell to someone without experience? Always look for an agent with at least two years of experience. Anyone still in the business after two years has probably learned at least the fundamentals of real estate. Look for Commitment Another problem we have in the industry is a large number of part time and recreational salespeople. These folks have either retired from some other career, work in real estate seasonally or are earning a second income for the family and honestly don't need to work full time. No matter how long they have been in real estate, their lack of full-time commitment makes it impossible for them to keep up with the vast changes in law, marketing and business practices that are occurring in the profession today. If an agent isn't working at least thirty hours a week, fifty weeks a year, look for someone else. Consider Education In the majority of states, the requirements for real estate licensing are substantially less than those for cutting hair. In Michigan, for example, all that is required is a forty-hour class and a multiple choice test. You cannot rely on licensing to indicate competence. And, unfortunately, many agent's real estate education ends with their pre-license education. While there are numerous advanced real estate education courses available, the only technical and competence based program available nationwide is the Graduate, REALTORS® Institute (GRI) series, which is administered under the direction of the National Association of REALTORS®. A REALTOR® who completes the fifteen eight-hour modules, and passes examinations, may then use the designation of GRI. While only 15%-20% of agents have earned this accreditation, it should not be too difficult finding a GRI in your marketplace as they will commonly print the designation behind their name in advertising as well as on letterhead and business cards. Conduct Interviews Before you hire an agent to help you buy or sell a home, you should interview at least three agents in person. In order to do this, first get recommendations from friends, family and neighbors. Then look on the web, in homes magazines and the local newspaper to see what kind of marketing the various companies are doing in your area and call a few that impress you. Then make brief fact-finding calls to determine which of the agents on your list are full time, experienced and either hold the GRI designation or are at least working aggressively toward it. You will probably need to call ten to fifteen agents in order to find three that are worth interviewing. The interview itself need not be a formal one. It is simply an opportunity for you to meet the candidate and explain your needs; and to determine whether you would be comfortable working with them. Ask whatever questions you like, or simply explain your goals and listen carefully to what they propose to do for you in meeting your needs. The decision If you follow the suggestions above, you will find that there are excellent agents working for firms both large and small; both franchised and independent. Thus, the real decision must be made based on the competency of the individual agent you will be working with on a day-to-day basis. Stephen M. Canale is President, Broker/Instructor of Acclaim Residential Marketing Ann Arbor, Michigan | IRED Home | Search IRED | © 1995-2005 IRED.Com, Inc All Rights Reserved

New Home

FOXNews.com SEARCH Raging Wildfires Grass fires in Oklahoma, Texas blamed for deaths, destruction of more than 200 homes Photo Essays • Southern Fires AP Soccer fields sit under floodwaters in Marysville, Calif. Heavy rains swell rivers in northern Calif., causing power outages, forcing some residents to evacuate Photos: California Floods Video: Fierce Storm 'Had to Be Done' Bank robber's officer son defends turning in dad Illinois man gets 40 years in prison after sons spot him in surveillance photo, turn him in LATEST HEADLINES ONLY ON FOX Israeli Warning Video: Is Iran much closer to nuclear weapons than many think? Politics of 2005 Rewind: President Bush, war in Iraq, Supreme Court top stories of the year Home of the Homeless Video: Community of rich residents supports ample homeless population Avoid the Yellow Snow Out There: Man busted throwing bottles of urine over fences The No Spin Year? Grrr! Americans are politically obsessed. Can't we all just get along? When a Coma Strikes In Health: Full recoveries much more common on TV soaps than in real life TODAY'S FEATURES BUSINESS HEADLINES & MARKETS • Nov. Existing Home Sales Lowest Since March • GM Shares Touch 20-Year Low • Business Activity in Midwest Grows Strongly • HealthSouth Sues Scrushy for $76M • U.K., U.S. Hilton Reach $5.7B Hotel Sale Deal • Stocks Up Slightly on Energy Prices MORE BUSINESS HEADLINES MARKET UPDATE Stock and Fund Search Sponsored By PORTFOLIO Register now to track and analyze your investments in our free and easy-to-use portfolio tracker. BULLS & BEARS POLL Vote for which Bulls & Bears prediction is most likely to come true ADVERTISEMENTS Advertise Here FOX NEWS 24/7 FOXLIFE In the FOXLight 'Wedding Crashers' cracks Bill McCuddy's top 10 movies of 2005 THE O'REILLY FACTOR A Mother's Nightmare Beth Holloway Twitty on her new campaign to save other children from her daughter's fate • Read "The Factor" transcript YOUR WORLD W/ NEIL CAVUTO Taking Stock If Enron's Ken Lay and Jeffrey Skilling go down, will stocks go up? SPECIAL REPORT W/ BRIT HUME Brit Hume's Grapevine Is there a Chinese hiring bias for those born in the Year of the Dog? • Read: The Grapevine THE BIG STORY W/ JOHN GIBSON Pre- Sexual Agreement? Inspired by Kobe Bryant? A contract for celebrities to hand out before sex • Read the Transcript ON THE RECORD W/ GRETA Life and Death Fight Is Clarence Ray Allen too old to execute? • Read Greta's Blog OTHER NEWS HEADLINES POLITICS • Rewind: Bush, Iraq Topped Political News of 2005 • Group Gives $100,000 for Disabled Veterans Memorial • New Navy Secretary to Take Over Post Next Week MORE POLITICS HEADLINES TECHNOLOGY • Louderback: Top Stories and Predictions for 2005, 2006 • NSA Caught Placing Cookies on Web Visitors' Computers • Pioneer Rolls Out Blu-Ray DVD Burner MORE TECHNOLOGY HEADLINES SCIENCE • Adult Brain Cells Do Keep Growing • Good-Hearted Women Fail to Deal With Bad Hearts • Fish Mating Preferences Change With Age MORE SCIENCE HEADLINES HEALTH • Bird Flu, Cloning, Katrina: Top Health Stories of 2005 • Surgery Offers Hope to Mutilation Victims • Vitamin D May Lower Some Cancer Risk MORE HEALTH HEADLINES FOXLIFE • Strakalogue: Grrr! 2006 ...The No Spin Year? • Fox411: 'Narnia' Overcomes 'Kong' at Box Office • Holiday Gift Guide MORE FOXLIFE HEADLINES VIEWS • Immigration: A Tool in the Enemies Toolkit • ifeminists: Abuse of Temporary Restraining Orders Endangers Real Victims • Martin Frost: King George W. ? MORE VIEWS HEADLINES NEW! SPORTS • Dungy Returns To Colts After Son's Death • Nicholson Accused Of Sexual Assault • LeBron Celebrates Turning 21 A Few Days Early MORE SPORTS HEADLINES FOX BLOGS GRETAWIRE Quick Change As the G Block approached, would I be forced to recite linking verbs memorized in the 7th grade? Watch 'On the Record with Greta Van Susteren' weeknights at 10 p.m. ET FOX NEWS Ask Dr. Manny Find out why all medical research is NOT created equal. FROM THE HEARTLAND What Makes a Hero? Shining a spotlight on those who do extraordinary things HARRIGAN ON THE HUNT Elections in Bolivia Evo Morales supporters have painted their houses blue RICK'S RAMBLES Plane Down They were heading home for the holidays... WILSON WATCH Soap Box Sunday 'Weekend Live' viewers get their chance to spout off FRIENDS INSIDER Getting Tough At least one governor is taking action against steroid use in high school SEARCH ADVERTISEMENT FOX MEANS BUSINESS POLL Should the U.S. drill for oil in the Arctic National Wildlife Refuge? CLICK HERE TO VOTE! This is not a scientific poll. 'Your World w/ Cavuto': Weekdays at 4 p.m. ET 'The Cost of Freedom': Saturdays at 10 a.m. ET GOT A NEWS TIP? LET US KNOW. Send news tips to FOXNews.com Note : Your anonymity is guaranteed. GET YOUR WEATHER Type in your zip code to see your current conditions and five-day forecast. ZIP CODE Other Searches, Click Here ON YOUR LOCAL FOX STATION FOX News Sunday w/ Chris Wallace Check your local listings FOX NEWS RADIO FOX News Radio National news coverage coast-to-coast Tony Snow A radio revolution! Find it now in your area John Gibson The trouble begins...NOW! Find it now in your area Alan Colmes Any opinion — all the time! Find it now in your area

House Rental Gull Lake

Winter Ski Snowmobile Rentals | Brainerd, Minnesota | Brainerd Lakes Vacation Land |Ice House Rental | Cross Country Ski Rental - Sleigh Rides Brainerd, Minnesota | Winter Edition | Rentals | Brainerd Lakes Vacationland |Snowmobile, Ski, XC SKi, Vacation Packages, Trail Conditions and much more SNOWMOBILE | ICE HOUSE | CROSS COUNTRY SKIS HAY & SLEIGH RIDES / DOG SLEDS | SNOWBOARDS | SNOW SHOES Summer Rentals Snowmobile Rental Cragun's Resort & Snowmobile Headquarters Located on south end of Gull Lake, Brainerd (800)-CRAGUNS (800-272-4867) New Polaris snowmobiles and Kitty Kats, helmets, jackets, bibs, boots & gloves. Hours: 7am-9pm Bait Box Marina Whitefish Chain of Lakes, Crosslake, MN 218-692-3850 McQuoids Inn - Located on the southeast shore of Mille Lacs Lake (800) 862-3535 Ice House Rental Gull Lake Guide Service 9255 Interlachen Road Lake Shore, MN 56468 218-963-0422 · Cell Ph. 218-839-5598 · Email Walleye Dan Quarterdeck Resort Located on the west shore of Gull Lake Brainerd (800) 950-5596 Cragun's Resort & Snowmobile Headquarters Located on south end of Gull Lake, Brainerd (800)-CRAGUNS (800-272-4867) Comfortable heated fish houses equipped with lights, chairs and rattle reels. Hours: 8am-9pm Izaty’s Resort Located on the southeast shore of Lake Mille Lacs (800) 533-1728 Twin Pines Resort Located on the west shore of Mille Lacs Lake (800) 450-4682 Sleepers & hourly rentals. McQuoids Inn - Located on the southeast shore of Mille Lacs Lake (800) 862-3535 Eddy’s Lake Mille Lacs Resort Located on the west shore of Mille Lacs Lake (800)657-4704 Sleepers, hourly rentals Cross Country Ski Rental Cragun's Resort & Snowmobile Headquarters Located on south end of Gull Lake, Brainerd (800)-CRAGUNS (800-272-4867) Skis, boots, poles. Hours: 8am-9pm Breezy Point Resort Located on Pelican Lake, Breezy Point (800) 432-3777 Snowmobile, Cross Country Ski and Ice House rental Mille Lacs Kathio State Park (320) 532-3523 Easy Riders Located on Washington St. Brainerd (218) 829-5516 Hay & Sleigh Rides / Dog Sleds Little Moran Hunt Club Sleigh Rides Staples Area (218) 894-3852 McQuoids Inn - Dog Sleds Located on the southeast shore of Mille Lacs Lake (800) 862-3535 Snow Shoes Mille Lacs Kathio State Park (320) 532-3523 Easy Riders Located on Washington St. Brainerd (218) 829-5516 Snowboards Easy Riders Located on Washington St. Brainerd (218) 829-5516 Midwest Captions 2005

Land Loans Land Loans

Land loan financing for new homes. Loan Programs About Carteret Mortgage Apply Online Welcome to Carteret Mortgage! Your source for consumer information Option Arm Manage your Mortgage! Construction Remodeling No Doc Real Estate Investor Refinance Land Loans Land Loans Land loans are available if you are not planning tobuild immediately. We offer several convenient programs depending on your needs.A balloon option allows 2-5 years to begin construction, a fixed rateproduct is amortized over 30 years to keep the payment low. We also offer anadjustable rate product which has no prepayment if you convert to our construction/permprogram . Programs are available as fully documented or stated incomedocumentation for individuals with difficult to document income situations. Down payment requirements vary by program and documentationpreferences but land loans will generally require a 20% down payment although one of our lenders is now offering a program with as little as 10% down. If you are not ready to build but have found the perfect lot. The new Purchase Plus Lot Loan can save you a great deal of money. Please send me an email and let me know what you aretrying to do and I will send you a good faith estimate for several programswhich will meet your needs. Lot size must conform to the general area and must beresidential in nature. Improvements are required and include a legallyaccessible street with sewer. Electricity must be available and hillside lotsare generally not acceptable. We donot make loans for working farms or for lots of more than 25 acres at thistime. I have included a page on how to calculate your qualification ratios . I have included a page on documentationrequirements . Prequalify for your Land Loans. ARMs Construction Loans First Time Homebuyer Loans Foreclosure Property Loans Home Improvement Loans Interest Only Mortgage Investor Loans Jumbo Mortgages Links Calculators No Documentation Loans No Downpayment Loans No More PMI! Refinance Center Remodeling Loans Site Map Vacation Home Loans Bob Gammache Mortgage Planner Carteret Mortgage 245 Edwards Ferry Rd Leesburg, VA 20176 Phone (703) 777-6877 Toll Free (888) 648-1714 Fax (703) 777-4768 bgammache@Verizon.net AOL Instant Messenger bgammache1 NEVER an Origination Fee ! Lower Closing Costs! Mortgage Market Guide for a weekly analysis of the mortgage market Carteret Mortgage Corporate Website Last update September 21, 2005

Real Estate Listing

Apartments, Houses, and Real Estate listings in Los Angeles, San Francisco, San Diego, New York, New Jersey, Boston, Seattle, Philadelphia, Miami, Detroit, Chicago, Las Vegas, Houston, Dallas, D.C., Baltimore, Atlanta, San Antonio, Austin, and Westside We help you Rent an apartment anywhere in the US - Handshake Network - Looking to Rent Faster? Call Toll Free 1-888-575-3179 England Equal Housing Opportunity Canada Property Managers & Landlords LIST FOR FREE Featured Cities Los Angeles | New York | Seattle | Miami | Denver | Boston | Washington DC | San Francisco | San Diego | Baltimore Detroit | Atlanta | Minneapolis | Houston | Dallas | Austin | Jersey City | Las Vegas | Chicago | Philadelphia Search in : select state Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware 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 Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming England Canada Post a Vacancy Apartment/House Vacancies Roommates Update a Vacancy Change of Address 　 Resource Center Useful rental resources Rental Tips Change of Address Credit Reports Furniture Rentals Insurance Moving Storage Selling a Home Free Listing Real Estate Agent Broker For Sale by Owner FSBO Find an Agent Sellers Guide Checklist 　 Buying a Home Search homes for sale Rent vs. Buy Buyers Guide Checklist Mortgage and Finance Home Insurance 　 　 　 RentWave.com Gives You More Choices: View over 1.5 mil. rentals More ads than newspapers Commission-free apts. Drivers scouting for rentals. Listings updated daily View Photos online Pet-friendly rentals Friendly service 24/7 Coverage Areas: Greater Los Angeles, Westside, Orange County, San Francisco, Ventura County, San Diego, Santa Barbara, Sacramento, Las Vegas, Minneapolis, Seattle, Baltimore, Philadelphia, Atlanta, Miami, Washington D.C., Detroit, Denver, Dallas, Houston, Austin, San Antonio, Minneapolis, Boston, Chicago, New Jersey & New York This Month's Featured Communities Los Angeles County Long Beach, Manhattan Beach , Santa Monica, Westside, West Los Angeles, Hollywood, Venice, Melrose, Pasadena, Glendale, Burbank, The Valley. San Diego Coronado, Carlsbad, Oceanside, La Jolla, University City, Vista Santa Barbara Montecito, Mesa, Carpenteria, Ventura, Oxnard . Orange County Anaheim, Irvine, Huntington Beach Newport Beach. Username: Password: Search in: select state Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware 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 Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming England Canada -- -- Help Member Sign In Signing Up F.A.Q. Getting Started Contact Us Advertise With Us Banner Advertising Post Your Vacancy RentWave About Us Contact Us Employment Email a Friend Affiliate Program Vacancy Search | Post a Vacancy | Join | Advertise With Us | Contact Us | About Us | Office Locations Equal Housing Opportunity 2005 4Apartments.com All rights reserved. Legal Note s