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Breaking World News: CBSNews.com CBSNews.com The Web Home | U.S. | World | Politics | SciTech | Health | Entertainment | Business | Opinion | NEW --Strange News | Sports | Public Eye | Interactives | FREE CBS News Video The Early Show | CBS Evening News | 48 Hours | 60 Minutes The Saturday Early Show -- | CBS Sunday Morning | Face The Nation | Up To The Minute | Build Your Own Newscast SPECIAL REPORT ----- Year-End Section Photo Galleries Video Archive MP3 Features Timeline Of Events Passings The Year Ahead Quiz: How's Your Nose For News? Quiz: So You Want To Be A Star ... ONLY ON THE WEB -- COURTWATCH Legal Winners & Losers CBS legal analyst Andrew Cohen says who came out on top -- or not -- in the coutroom this year. THE EARLY SHOW One Tough Mother Hattie Kauffman reports on Gert Boyle, the 81-year-old Columbia Sportwear CEO whose motto is "born to nag." Book Excerpt WASHINGTON Bush's Trying Year The year began with a lot of promise for President Bush, says John Roberts , but by fall the wheels had come off. Can he be the "Comeback Kid" in 2006? The Approval Ratings TALKING POINTS Verbal Judo Richard Schlesinger meets a former police officer teaching cops the power of speech to avoid physical conflict. Fine Art Of Tough Talk DAILY UPDATES FDA warns Guidant; Vivitrol may help alcoholics quit; and a blood test for heart transplant patients. Dry Season Jim Axelrod reports winds have calmed down in north Texas but the fire danger remains until the area gets some rain. Photo Gallery -- Protests Continue Kelly Cobiella reports the UN's determination that the elections were credible is not likely to satisfy protesting Sunnis. -- PC ANSWER Top Tech Of 2005 Larry Magid recaps the year's highlights, including the expansion of Apple's iPod and iTunes lines, and the popularity of the podcast. Hear Silicon Valley Analyst Tim Bajarin PHOTOS Sunrise, Sunset A look at the ups and downs of nature's daily doses of beauty. MARKETS | BUSINESS NEWS Advertisement DOW NSDQ S&P 500 DJIA NSDQ S&P 500 DJIA 10785.70 -10.56 NSDQ 2219.35 -9.59 S&P 500 1254.59 -3.58 © FinancialContent.com Delayed 20 mins. Check Your Stocks: Detailed News Charts SEC Filings Company Profile Historical Quotes Symbol Lookup GO LOCAL Local Weather (Enter Zip or City): Powered by Weather.com Week In Photos Check out the week's most compelling pictures. -- CBSNEWS.COM EXTRA Photo Essay Sunrise, Sunset A look at the ups and downs of nature's daily doses of beauty Who's Who TV New Year's Eve Looking for a party that won't get out of hand? It might not be as far away as you think. Photo Essay Celebrity Circuit Carmen Electra on MTV, a holiday party for the stars and Jennifer Love Hewitt as Santa's helper. News Tools Dry Country Here's a map that shows just how dry the U.S. Midwest has become and why it's ripe for wildfires. Photo Essay Star Splits Breaking up is hard to do, even when you're a celebrity. Officials Fear More Wildfires Updated While winds eased after the outbreak of fires ravaged parts of Texas and Okla., forecasters predict a return of the hazardous conditions by the weekend, plus fireworks celebrating the new year prompting fears of another round of fires. More... Photo Essay: Deadly Wildfires Watch: Brush Fires Turn Deadly Photo: AP Photo/The Daily Oklahoman TOP STORIES West Coast Braces For More Floods Watch N. Calif. Rivers At Highest Levels In 7 Years, More Rain On Way Israeli Checkpoint Stops Bomber Palestinian Blew Himself Up At West Bank Roadblock Set Up After Tip Existing Home Sales Decline Watch Nov. Figures Lowest Since March, But Housing Market Remains Healthy Thief Turned In By Sons Sentenced Dad Gets 40 Years, Sons Saw Him On A Surveillance Photo Wood Chipper Blamed In Man's Death Tree-Service Worker Cutting Branches Thought Pulled Into Chipper Photo Essay Wildfires Flare Wind-driven flames burn through towns in Texas and Oklahoma Video 2005 Video Recap Video highlights of the year's top stories. U.S. | VIDEO | SECTION PAGE Thief Turned In By Sons Sentenced • 9/11 Loans Went To Unqualified • Friends Feud Over Lottery Claim • Americans Split On Domestic Spying • More Stories World | VIDEO | SECTION PAGE Al Qaeda Threatens Sudan Hostages • Envoys Haggle For Yemen Captives • China Says 300M Drink Unsafe Water • Israeli Checkpoint Stops Bomber • More Stories Health | VIDEO | SECTION PAGE Health Customs Migrate To U.S. • Vitamin D As Cancer Crusher • Newer Cancer Drugs Beat Tamoxifen • Playing The Pain Away • More Stories SciTech | VIDEO | SECTION PAGE Greens Also Feed At Public Trough • Technology Blossoms In 2005 • A Sneak Peek At Consumer Labs • Vitamin D As Cancer Crusher • More Stories Entertainment | VIDEO | SECTION PAGE New: Marsalis New Year's Guest Of Honor • No Charge In Lohan Crash • Jail For Will Smith Identity Thief • Dunkin' Donuts Ad Actor Dies • More Stories Opinion | SECTION PAGE Jive And Thrive In '05 • New: Turning Point In Military Strategy • Good Gifts • Rough Year For Bush In Polls • More Stories Politics | VIDEO | SECTION PAGE DeLay Gets Hearing On Speedy Trial • Dems Charge Homeland Failures • Rough Year For Bush In Polls • More Early Alito Memos Released • More Stories Business | VIDEO | SECTION PAGE 2006 Economy Looks Solid • Hilton Reunites, 40 Years Later • Existing Home Sales Decline • Weekly Jobless Claims Rise • More Stories STRANGE NEWS | SECTION PAGE Doggie Insurance Now Required in Vienna • Austrian Artists Pull Offending Billboards • Pay Up: Billions Sought in Bill Mixup • Jamaican Police Officer Becomes Rap Artist • More Stories SPORTS | VIDEO | SECTION PAGE Secondary concerns • Last year's applicants have good shot at Cooperstown • Don't look now, but Ravens' Boller has 'found himself' • More Stories CBS NEWS BROADCASTS The Early Show Start The Year With An Open House Watch One approach would be a Mediterranean-style New Year's Day bash, and cooking teacher and cookbook author Tori Ritchie has some ideas and recipes sure to earn you raves. She shares them on The Early Show . More... The Early Show CEO Is 'One Tough Mother' Watch Columbia Sportswear is a billion-dollar company with a CEO whose motto is "Early to bed, early to rise, work like hell and advertise." At 81, Gert Boyle is young at heart. More... CBS Evening News The Art Of Verbal Judo Watch Former police officer George Thompson teaches other cops how to avoid conflict and gain compliance from suspects with a technique he calls verbal judo, Richard Schlesinger reports. More... The Early Show A Sneak Peek At Consumer Labs Watch When Consumer Reports magazine publishes test results, the world listens. But how do they evaluate all those products? WCBS-TV technology editor Brett Larson got a look inside the lab and filed a report for The Early Show . More... The Early Show Amputee An Inspiration To Others Watch A horrific train accident cost Cameron Clapp both legs and one arm. But as Dave Price reports, the young man is determined to make the most of his situation and serves as an inspiration to others. More... The Early Show Nervous Flyers Catch Security Eye Watch The next time you fly, security personnel may spend more time looking at you than at your bags. Behavior observation programs are being tested at some U.S. airports. The Early Show 's Tracy Smith reports. More... Back To Top Advertisement Fullscreen | Help All Videos Iraqi Election Turmoil | E-Mail West: Rain, Snow & Mudslides | E-Mail Crawling While Intoxicated? | E-Mail Teen Amputee's New Life | E-Mail Take the CRIMINAL MINDS profiler quiz Fantasy Football: Roster Trends Play along with CSI Interactive. Take our CRIMINAL MINDS quiz to find out if you're FBI agent material. | Thu. Dec. 29, 2005 CBS.com 8:00 Criminal Minds: When the daughter of a District Attorney is kidnapped. 9:00 CSI: One cult member turns up missing at a mass suicide crime scene. 10:00 Without a Trace: Jack endures a brutal deposition by his wife's divorce attorney. CBS SportsLine NFL Films: Charles Haley Peach Bowl Preview: LSU-Miami Check out the SPiN On Sports POP QUESTION Vote for your top five news stories of 2005 Iraq Pope Dies/ New Pope Plamegate Katrina / Hurricanes Rosa Parks Dies Supreme Court Vacancies Bush's Domestic Spying Tsunami Relief Bird Flu Spreads Charles Marries Camilla Brad / Jen / Angelina Tom & Katie Natalie Holloway / Aruba Pakistan Earthquake Shuttle Relaunch Deep Throat Revealed -- -- Advertisement Enter Moens Show Us Your Style Sweepstakes Would you like a two hour consultation from celebrity designer Vern Yip plus $5000 in cash and Moen products? Enter Moens Show Us Your Style sweepstake by October 31st for your chance to win. -- FOR YOUR INFORMATION Get important facts on: HIV/AIDS Child Abduction Depression Mentoring Osteoporosis Breast Cancer Colorectal Cancer Menopause Women's Heart Disease ADVERTISING LINKS | What's This? E-Mail Sign-Up: Breaking News | Today On CBS News | 60 Minutes | 48 Hours | The Early Show | CBS Sunday Morning | News Summaries Recommended Sites: CBS.com | CBS SportsLine | UPN.com | CBS Store | CBS Careers | CBS Cares Site Map | Help | Advertise | Contact Us | Terms of Service | Privacy Policy | CBS Bios | Internships CBSNews.com The Web MMV, CBS Broadcasting Inc. All Rights Reserved.
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Bert Rodgers Schools -- Florida Real Estate School -- A Florida Tradition Thursday, December 29, 2005 About Us Privacy Policy Contact Information What's New Law and Rule Updates Contact Information Privacy Policy About Bert Rogers -- Bert Rodgers Schools of Real Estate, Inc. A Florida Tradition Since 1958! Real Estate Online Courses Florida Sales Associate Pre-License Does your busy life keep you from attending class? Consider the Sales Associate Pre-License course online. You don't need to be a Florida resident to get your Florida real estate license. Take your real estate pre-license course and state licensing exam from anywhere in the United States! Florida Broker Pre-License Looking to enhance your real estate sales career? Your real estate sales experience ( from anywhere in the U.S. ) allows you to obtain a broker or broker associate license using our exclusive pre-license course! Also online...State Exam Preps, Post-License, and Continuing Education Real Estate Classroom Courses Florida Sales Associate Pre-License & State Exam Prep We have been providing excellence in Florida real estate license education for more than 45 years. From Tampa to Naples, join the Bert Rodgerstradition of quality classroom real estate education. Florida Real Estate Schools Florida Real Estate Schools Florida Real Estate Schools Florida Real Estate Schools Florida Real Estate Schools Florida Real Estate SchoolsFlorida Real Estate Schools Florida Real Estate Schools Florida Real Estate Schools Florida Real Estate Schools Florida Real Estate Schools Florida Real Estate License Florida Real Estate License Florida Real Estate LicenseFlorida Real Estate License Florida Real Estate License Florida Real Estate License Florida Real Estate License Florida Real Estate License Contact Information Toll Free: (800) 432-0320 (941) 378-2900 Fax: (941) 378-3883 Headquarters: 1855 Porter Lake Drive Sarasota, FL 34240 Bert Rodgers Schools of Real Estate, Inc is a proprietary school in Florida that provides high-quality education to licensed professionals and to consumers seeking to become licensed professionals. Students may choose from a variety of learning formats traditional classroom, correspondence, and Internet-based. Permissions Policy l Privacy Policy Real Estate l Appraisal l Mortgage Brokering l Healthcare l
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Colorado Real Estate, Listings, Realtors, Home Sales Colorado Real EstateResources Vandema Vandema Residential Real Estate Home Associations | Mortgages | Realtors Colorado Foreclosed Homes - Search for real estate foreclosures in your area and get property details, photos, location map and contact information. Boulder Real Estate Guide - Directory of agents, schools and market information. Telluride Colorado Real Estate - Directory of realtors and area information. Colorado Springs Real Estate - Directory of school, real estate and area information. Aspen Real Estate & Homes - Information on Aspen real estate, homes and relocation. Sunnyside Ranch - Real estate for sale in Telluride. Denver Real Estate & Homes - Information on Denver real estate, homes and relocation. ProRent Southwestern Apartments - Offering free local expertise and assistance in locating apartments in Colorado Springs , Boulder , Denver and Fort Collins . Denver Colorado Real Estate - Directory of homes, agents, condominiums and more. Blue Ribbon Home Warranty, Inc. - Warranty protection plans for homes, mechanical systems, all appliances and more. Buchanan Yonushewski Group - Project management, architecture, development and construction. Woodcrest Homes - Builder of homes and neighborhoods throughout Denver and Boulder County, CO. Colorado Real Estate Guide - Directory of new homes, real estate agents and builders. Colorado Association of Real Estate Investors - Networking and educational website for real estate investors. Valuation Research Corporation - Lakewood appraisal company serving the Colorado Front Range. Colorado Real Estate Ranches - Real estate firm specializing in mountain property and land for sale near Pagosa Springs. Mitchell Evans Enterprises - Properties for sale in Crested Butte. Colorado Homes For Sale Listings - Includes local and regional multiple listing services (MLS), for sale by owner classifieds, listed new homes directories and more. Colorado Real Estate Online - Real estate classifieds, resale home listings and neighborhood guides. Get in touch with us by Other Residential Real Estate Resources
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Missouri Real Estate MultiList - Homes, Land, Farms and Commercial Property For Sale Missouri Real Estate MultiList Homes, Land, Farms and Commercial Property For Sale Search Missouri MLS Real Estate For Sale Search for Real Estate in other states Home List of Agencies Agencies By City Agencies By County Missouri Info Real Estate Services Interesting Links Contact Us U.S. Lots Visit Our Blog! Welcome to the Missouri Real Estate MultiList - an independent searchable MLS database for Homes, Land, Farms and Commercial Property. The Missouri MultiList contains a wide selection of Missouri homes, land, farms and commercial property for sale . Search listings from many different MO Real Estate Agencies - farms, ranches, land, homes, rural, commercial property. We have Southern, Southeast, Southwest, Northern, Northeast, Northwest and Central real estate for sale in Missouri. Under the description of each listing, we provide a website link to the listing agency having the property listed. We encourage you to visit the individual agency web sites having properties you might be interested in, or you can request information directly from the information page on each real estate listings. You can find additional local area information and Missouri Maps and Information on the many agency sites listed here. Thanks for visiting the Missouri Realestate MultiList . If you have questions or need assistance, please do not hesitate to contact us. Real Estate Term of the Day for Thursday, December 29, 2005 Net Effective Income: The borrower's gross income minus federal income tax. Link to Us ©1998-2005 U.S. Cybertek, Inc., All Rights Reserved U.S. Cybertek, Inc. 350 W A. Suite #104, Casper, WY 82601 Phone: 417-967-2011 Website: http://www.uscybertek.com E-mail: webmaster@uscybertek.com The Missouri Real Estate Multi List, is an advertising resource for real estate agencies and is not involved in any real estate transaction. "Missouri Real Estate MultiList" and "Missouri MultiList" are Trademarks of U.S. Cybertek, Inc. Real Estate MultiList
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Mortgage Refinancing, Loan Refinance Contact | Mortgage Rates | Mortgage Calculators Mortgages Refinancing Debt Consolidation Mortgage Resources Loans FHA Loan VA Loan What Type Of Loan Are You Looking For? Please Select.... VA Home Loan Home Loan VA Home Refinance Home Refinance FHA Home Loan What Is The Approximate Value Of Your Property? Factors to consider before refinancing a mortgage If you are considering refinancing your home, there are several factors you should think about before making your decision. These factors include the interest rate on your current mortgage, the current market interest rate, how long you plan to live in your current home, and whether or not you need money for other things (such as home improvement, a new car loan, or paying off credit cards). Qualify for a Streamline Refinance Today's Mortgage Refinancing Rates If you would like advice about refinancing, you may speak to a refinancing specialist at 800-930-9201 . Things to consider before refinancing: 1) The Interest Rate You Are Paying Consider the interest rate you are now paying before refinancing . Compare it against the current interest rate to see how much you would save by mortgage refinancing. Use our free mortgage calculator to determine your new monthly payments. (Use our Mortgage Calculator ) 2) The Current Interest Rate Check the current interest rate. To get the benefits of a lower rate, you may have to pay fees associated with the loan, unless your lender is doing a no fee loan. Before committing to a refinance , be sure you have discussed the fee options with your loan officer. [Get the Current Mortgage Refinancing Rates ] 3) How Long You Will Live In Your Home The median length of stay in a home is 8.2 years. However, you may have a better idea of how long you will be in your home. If you do not plan on owning your home for much longer, the lower payments associated with the refinancing may not cover the mortgage refinancing fees. If you plan on staying in your home for a long period of time, refinancing could be an excellent way to reduce your monthly payments. Also, if you are planning on moving into a new home while retaining the old home as a rental property, refinancing is a solid plan. You can lower your monthly mortgage payment and in turn, increase your rental income. 4) Consolidation If you have several outstanding bills, you may want to consider refinancing your home and in turn, consolidating and paying off your other debts. If you have equity in your home, you may be able to access that equity through a "cash out" refinance . You could choose to apply that equity to a debt consolidation plan, a new car, or home improvements. For what reasons would it make sense for me to refinance my mortgage? 1. If you are able to get a lower interest rate If you are able to get a lower rate that what you currently have, you can save tens of thousands of dollars over the life of your loan. Also, most lenders don't charge as many fees to refinance a mortgage and depending on how much equity you have in your home you may be able to roll the closing costs into your new loan, still have a lower balance than your original loan, a lower rate, and a lower payment. 2. Change the term of you mortgage Changing the term of your mortgage can help in several ways. First, if you were to refinance your current mortgage from 30 years to 15 years, you will accelerate the rate at which you pay towards principle each month meaning your house will be paid off quicker. Also, you will save an unbelievable amount of money in terms of interest because you would likely be taking 10 to 15 years off the life of your loan. Second, you can also refinance a 15 year mortgage to a 30 year mortgage. It seems like it might not make sense to do this, but if you have an immediate need to free up monthly cash-flow and you don't want to take out a home equity loan, this can work out to your benefit. When you take a 15 year loan and refinance it to 30 years you will have the same balance only the payments can be hundreds of dollars less than the 15 year loan. The only draw back to this is you will pay more in interest over the live of the loan. 3. You need a large amount of cash, now When you do a cash-out refinance you are leveraging the equity in your home in order to receive a lump sum of cash at closing. Many individuals and families use this type of loan if they want to remodel their home, or they have kids that are attending college soon. 4. You know you will be moving soon If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends. What you should look for in a mortgage company 1. Is the company reputable There are literally thousands of mortgage companies all over the country. It is important that you choose a reputable one. Most reputable companies will be part of the Better Business Bureau or other community watchdog group. Good companies will also have websites that rank well on search engines such as Yahoo and Google. 2. Integrity of their loan officers Many companies in this industry will do what ever they can to get away with charging you as much as they possibly can. Some of the ways they do this is not disclosing all the third party fees involved in a loan such as title insurance, appraisals, pre-paid tax and insurance escrows etc. It is important that you ask the loan officer you're speaking with about third party fees. If you don't they may not tell you and give you a good faith estimate that sounds fair, but at closing you'll find out that you have to pay a couple of thousand dollars more in fees you were unaware of. A good loan officer at a reputable company should have no problem disclosing all fees that pertain to your loan and should also make sure you understand what the fees are for. Divorce and Refinancing If you are divorced, refinancing your home can make things easier in regards to what happens to mortgage payments when the home is given to one of the parties. If you refinance the house, you can have your ex-spouse's name removed from the deed. Whoever gets the home will now be the sole owner and will be solely responsible for the payment. If you don't have one of the names taken off the deed, the person who is responsible for making the payments might fall behind and will effect the credit of the person's whose name is still on the deed even if they don't have the house. Refinancing Adjustable Rate Mortgages (ARMs) An adjustable rate mortgage is just that. After the fixed-rate period of your loan, typically 3 or 5 years, the rate will adjust with the market. If rates remain low, no problems arise. On the other hand, rates can go up. Sometimes this can cause a mortgage payment to almost double. Many people that have an ARM are not financially ready for a large increase in their house payment. You can do several things to hedge the risk of a rate increase. First, you can refinance your loan into a fixed-rate loan before the end of the fixed period of your ARM. You will likely see a payment increase, but it will be a one time increase. If you keep the ARM, your payment might keep increasing year after year. Anther thing you can do is refinance into another ARM and have a fixed-rate for another 3 to 5 years. Just realize that you will likely have to refinance every 3 to 5 years. The same principles apply to home equity lines of credit (HELOCs) Your home is not just a home - it is a financial tool You can do many things with your home other than just live in it. You can use the value in your home for fiscal gain. First off, you can use the equity in your home to pay off debt at a much lower rate. For instance, say you're paying $1,500 a month on $30,000 of debt. If you have the equity, you can do a cash-out refinance and pay off the debt and your mortgage payment might only go up $300. This gives you an additional $1,200 in monthly cash flow. For this to be really effective you need to realize that you can't get into that much debt again because you might not have the equity to bail you out again. Another thing you can do is take all the equity out of your home and invest it. You may be able to make more money on the investment than you pay out in interest over the life of the new loan. It is important to know that if you choose to take cash out of your home and invest it, you should seek the advice of a certified financial planner. Not many people take advantage of this because it can be risky, but it is an option. If you are considering refinancing , also remember that there are a variety of different mortgages. If you plan on living in your home for a long period of time, you may want to consider the traditional fixed-rate 15- or 30-year loan. Another option is to choose an adjustable rate mortgage and consider refinancing again in a few years. By refinancing , you can choose the perfect mortgage for your needs, which may have changed since you first bought your home. A mortgage broker can be a useful tool to help find the most appropriate mortgage for your refinancing. Info on an FHA STREAMLINE REFINANCE You may also call a specialist at 800-930-9201 to get additional advice about what factors you should consider when deciding whether or not to refinance. The specialist can also show you what mortgage brokers and lenders are the best to deal with. If you have served in the Armed Forces, you can qualify for a VA Loan . A Debt Consolidation Loan may save you hundreds of dollars per month. If you have questions or would like help with your mortgage, you can call us at 800-930-9201 . "Nathan, I wanted you to know that everything went very well at our closing. It was quite pleasant. Thank you for everything." -Vicki Ficklen Mcdonough, GA More Testimonials Equal Opportunity Lender License Information We can help you find the lender (mortgage bank) that can get you the best deal for your financial situation (including setting you up with the best financing rates and loan term). MRC does not originate loans in MA, NJ, NY, ND, PA, VT, NV, WV, or DC. If you are getting a mortgage in one of these states, we will help you by directing your information to a lender in your state. Get additional information about a VA Loan , Home Loan , or 1031 Exchange : Privacy Policy .