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BBC SPORT | Football | My Club | Morton | Morton land loan deal for McLaren Home TV Radio Talk Where I Live A-Z Index Low Graphics version | Change Edition | Help Sport Homepage Football My Club Morton Results Fixtures Tables Club Stats 606: Your Say --------------- Five Live>> --------------- Academy>> -- Daily E-mail Mobiles Fun and Games Question of Sport CHOOSE A SPORT Select ---------- Football Cricket Rugby U Rugby L Tennis Golf Motorspt Boxing Athletics Snooker Racing Cycling Disability Sport Other ------ N Ireland Scotland Wales Last Updated: Saturday, 26 February, 2005, 14:27 GMT E-mail this to a friend Printable version Morton land loan deal for McLaren Andy McLaren is a vastly experienced player Morton have completed the loan signing of Dundee United winger Andy McLaren until the end of the season. The 31-year-old former Kilmarnock and Reading player returned to Tannadice at the end of December after a loan spell at Partick Thistle. McLaren was a regular starter at Dundee United last season but fell out of the first team picture in September. He made just four starts for Partick Thistle and has not found the net since February 2004. E-mail this to a friend Printable version Links to more Morton stories In This Section Morton 2-0 Raith Rovers Peterhead 1-0 Morton Ayr United 3-2 Morton Morton 2-1 Ayr United Double celebration for St Mirren Morton 2-1 Partick Thistle Cowdenbeath 0-3 Morton Alloa Athletic 0-3 Morton Morton 4-0 Dumbarton Have your say Tune in Weather BBC Scotland BBC Sport Scottish Leagues Official club website DUNDEE UNITED Fans' Forum - Dundee Utd chat Weather BBC Scotland Official club website ALSO IN THIS SECTION Morton 2-0 Raith Rovers Peterhead 1-0 Morton Ayr United 3-2 Morton Morton 2-1 Ayr United E-mail services | Sport on mobiles/PDAs | Headlines for your site -- E-mail services | Sport on mobiles/PDAs | Headlines for your site Back to top Sport Homepage | Football | Cricket | Rugby Union | Rugby League | Tennis | Golf | Motorsport | Boxing | Athletics | Snooker | Horse Racing | Cycling | Disability Sport | Olympics 2012 | Other Sport... Video and Audio | TV/Radio Schedule | Scores & Fixtures | Have Your Say | Photo Galleries Sport Academy | Health & Fitness | Fun and Games | Question of Sport Northern Ireland | Scotland | Wales BBC Sport Academy >> | BBC News >> | BBC Weather >> About the BBC | News sources | Privacy & Cookies Policy | Contact us

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Sustainable Sources - Sustainably-Built Home Classifieds Sustainable Building Sustainable Building Sourcebook Sustainable Building Calendar Conferences Green Building Links Green Builder News -- Case Studies --Sustainable Reading Sustainable Sources Bookstore Articles Sustainable Tourism Eco Travel in Latin America Our Services Search Greenbuilder.com: Results should match with: all the words any words Go to Advanced Search Related Sites Austin and Texas Environmental Groups Catalogs & Commercial Sites Translate these pages Contact Our Webmaster Buy or Sell your Sustainably Built Home! Buy the home you have always dreamed of or sell your green home for theprice it's worth. Search The Listings List Your Property Confirm or Modify a Listing How it works: 1) List Your Property . Enter detailed information about your property. Upload a picture if you have one. Realtors are welcome. 2) Keep it current . Each month we'll send you a reminder email. Log in, find your listing, and confirm that it's still for sale. Make changes to your listing at any time. 3) What does it cost? Right now, just $10.00 per listing! 4) Tell everyone! Tell your friends, your business partners, and any other potential Green Building fans you know about your listing here. Tell your realtor, too. Put pointers to your listing on your own web site and in your email signature. It's easy to remember - www.greenbuilder.com/realestate/ Why a property listing service? Sustainably built homes are the wave of the future, and some have technologyso new that realtors may not yet be up to speed. Help your realtor getmoving fast by listing in Sustainable Sources. Your ad will be seen bypeople who know green building. As a long time leader in green building information, Sustainable Sources is uniquely positioned to connect buyers with sellers. Since we don't have the space constraints of print publications, we can allow full descriptions of your property at far less cost. A 30-word classified ad run once in one well known print quarterly would cost more than an unlimited-word ad at Sustainable Sources for a $50,000 home which will run until the property sells. Let us know when you are successful in selling or buying a sustainably built home. We love good news! Realtors - Lenders - Builders - Architects Ask us about advertising on this site!

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MSN Money - Home equity for the holidays 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 Recent articles by Bankrate.com: • Mortgage rates hit 18-month high , 11/2/2005 • Best deal? Go to the source , 10/27/2005 • When it pays to stay single , 10/24/2005 More... The Basics Home equity for the holidays advertisement Borrowing from a home-equity loan for holiday spending is tempting because of the lower rates and tax-deductible payments. But theres a huge risk involved. By Bankrate.com This season, many consumers will charge against the home for the holidays. They will use home-equity debt to pay for gifts and travel. Some will do it directly, paying for presents and airline tickets with charge cards tied to home-equity lines of credit. More will do it indirectly, by using equity to pay off credit-card balances that end up as bloated as a turkey-sated family. Home-equity debt traditionally has been spent on investments that bring some kind of return -- renovating houses, paying for college, starting small businesses. More recently, as consumers have become more clever about using debt, equity loans are seen as a cheaper, smarter way to consolidate debt and pay for such items as cars and furniture. But gifts and airline tickets to visit family? Believe it or not, bankers and consumer advocates agree that there are times when it's appropriate to pay for something so fleeting by charging it against the roof over your head. It's not exactly wise to go into debt to pay for presents, but if you're going to do it, you might as well do so as inexpensively as possible. Find a loan that's right for you at the Loan Center Debt for gifts "Don't let these things be excuses to be in debt. That's the issue," says Anthony Hsieh, president of Home Loan Center, an online lender based in Orange County, Calif. If you listen long enough to AM radio, you are likely to hear a holiday-themed sales pitch for these loans, which allow you to borrow money and use the accumulated equity in your home as collateral. Generally, it takes two to four weeks to get access to the money after you apply. Home-equity loans, also known as second mortgages, come in a lump sum. You repay them with equal monthly payments at a fixed rate for a specified period. Related news and commentary on MSN Money • Gift cards are not gifts • 15 worst holiday gift ideas • The fine art of holiday tipping: why, who and how much • The 13 worst holiday spending blunders • 12 rules for regifting without fear • 10 low-cost gifts from the heart Home equity lines of credit, or HELOCs, on the other hand, work like credit cards. Instead of getting a lump sum, you start out with a credit line and can draw up to the credit line's limit. During the first years of the account, the minimum monthly payment covers only the interest on the balance. The rate is variable and usually is tied to the prime rate. The tax deduction On both kinds of equity debt, the interest you pay is deductible from your federal income taxes in most cases. That's the key, Hsieh says. If you decide to take some time to pay off your holiday debt, why not do it with tax-deductible interest? "Is it irresponsible to dig into equity (to pay for gifts?)" Hsieh asks. "Yes. But if you're going to get into debt and you're disciplined enough to pay it off in a predetermined time, there is an advantage to using a HELOC because the interest is deductible." Rudy Cavazos of Money Management International , a national, nonprofit credit-counseling agency based in Houston, agrees that buying things with low-rate home equity debt "beats using that credit card" with higher rates and no tax-deduction. But he's not sure every consumer understands all the differences between regular credit cards and cards tied to HELOCs, including the biggie: "You're placing your home on the line as security, as collateral, for these funds." No walking away from equity debt Sure, the HELOC has a lower rate and the interest is tax-deductible. But the regular credit card is unsecured, meaning that the balance is not backed by collateral -- so the debt can be wiped clean in some bankruptcies. Not so with a card tied to a HELOC. If you buy your godson a Christmas gift with your HELOC, you are pledging your house as collateral. You can't walk away from the debt, even in bankruptcy. This important point might not be stressed at the time of the loan application. That's why Cavazos recommends that consumers get some kind of loan counseling before they take out home-equity loans or get HELOCs. Consumer credit counseling agencies, such as MMI, often hold workshops or do one-on-one education for people who get home loans of all kinds. Cavazos hears radio advertisements all the time that urge listeners to use home equity as a way to consolidate debt "or improve their lifestyle in some way. That's all good, but you have to remember to educate yourself before you enter into these types of financial tools." When it comes to gifts and holiday travel, the best financial tool is to stay away from debt in the first place. Instead, use the financial tool that can't be beat: a savings account. 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. 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REALTOR.com: Real estate listings & homes for sale Welcome, Visitor! Sign Up to: Save Searches Save Listings Sign Up Now! Already a member? Sign In Homebuying Tools Find a Lender Find a Mover Market Conditions Neighborhood Tour Real Estate 101 Buyers Sellers For REALTORS® Resource Center News REALTOR.org Search the Web Select a Top Search: Bad Credit Contractors Homeowner's Insurance Debt Consolidation Interior Design Mortgage Rates Loan Types Rates Points 30-yr fixed 5.74% 0.37 15-yr fixed 5.38% 0.28 ARM 3/1, 30Yrs 4.87% 0.26 Updated: 12/29/2005 12:05:52 PM Check Local Rates Search our national directory of mortgage brokers and lenders. Find a Home Over 2.5 million listings for sale! State/Province AB AK AL AR AZ BC CA CO CT DC DE FL GA GU HI IA ID IL IN KS KY LA MA MB MD ME MI MO MN MS MT NC ND NE NH NJ NM NV NY OH OK ON OR PA PR RI SC SD TN TX UT VI VT VA WA WI WV WY - OR - Minimum Price $0 $500 $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 to Maximum Price $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 no maximum Beds 1+ Beds 2+ Beds 3+ Beds 4+ Beds 5+ Beds Baths 1+ Baths 1.5+ Baths 2+ Baths 2.5+ Baths 3+ Baths 3.5+ Baths 4+ Baths More Search Options Map Search Hurricane Relief Find or offer immediately available temporary housing to assist Hurricane victims: HurricaneHousing.net Relief.WelcomeWagon.com -- Find a REALTOR State/Province Alabama Alaska Alberta Arizona Arkansas British Columbia California Colorado Connecticut Delaware District Of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Manitoba Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Ontario Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming From the National Association of REALTORS ® Join REALTORS® in supporting hurricane victims Why Use a REALTOR® With a GRI? Make the most of every moment with FamilyTime, an interactive DVD celebrating the family. Visit REALTOR® Magazine Online Read current NAR Press Releases For REALTORS ® REALTORS Relief Effort exceeds $5.2 million for Hurricane victims, donate now... Enter the Business Success Zone at REALTOR.org! Find out how REALTOR.com can help you secure more listings, sell homes for more and promote yourself and your brand NEW name for NAR member benefits offeringsthe REALTOR Benefits(sm) Program. Learn about the practical, everyday solutions for your professional and personal life! Reach new levels of success with NAR partner, The Pacific Institute! About the National Association of REALTORS ® Representing Home Owners State & Local Associations Real Estate Specialty Organizations Find an Appraiser Find a Commercial Property International Real Estate Search in popular metros: Atlanta | Austin | Boston | Chicago | Dallas | Denver | Houston | Las Vegas | Long Island | Los Angeles | Memphis | Miami | New York City | Orange County | Palm Beach | Phoenix | Sacramento | San Diego | Seattle Site Map | Corporate News & Info | Contact Us | Advertise With Us | Join our staff Terms of Use and PrivacyPolicy . 1995- NATIONAL ASSOCIATION OF REALTORS and Homestore, Inc. All rights reserved. Equal Housing Opportunity REALTOR.com is the official site of the National Association of REALTORS and is operated by Homestore, Inc. REALTOR -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR holds membership.

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TREC - Home Page -- Licensee Info Search Quick Links -- To Popular Pages -- Licensee Info Search R. E. Contract Forms Renew or Apply Online Salesperson Application Real Estate License Forms Education Providers Core R.E. Course List Freq. Asked Questions Real Estate License Act TREC Rules Data File Downloads HOME Area TREC Home Page Licensee Info Search Meetings & Agenda What's New Archive What Does TREC Do? Freq. Asked Questions Email Notification List Related Web Site Links Topics of Special Interest Mission Statement Compact with Texans Customer Service Survey Link Your Site to TREC Site Map KEY To Symbols =Page is in area (folder tab) of this color = Adobe PDF file format = Web site external to TREC About This Web Site: Get Help Navigating the TREC Web Site Comment on the TREC Web Site here Web Site Wins 2005 Award The November 2005 issue of the TREC Advisor is available in both printable PDF and HTML formats. Licensees and other subscribers can access the TREC Advisor here . Commission Enacts Temporary License for Evacuees from Katrina Click here for details for prospective temporary licensees , including a special application form, the press release and the new rules pertaining to those affected by Hurricane Katrina. Our mission is to assist and protect consumers of real estate services, thereby fostering economic growth in Texas. What's New? The Texas Real Estate Commission proposed revisions to 6 contract forms and 4 addenda at it regular meeting on December 5, 2005. View the proposed forms and summaries here . A periodic Sunset Review of the Texas Real Estate Commission is currently underway, as required by the Texas Sunset Act. Broker Minimum Services Requirements . . . read the latest updates . 2005 Legislative Report - Two new bills to affect the Real Estate License Act; one new bill to affect the Texas Timeshare Act . . . read more Inspectors! We now publish the Minutes of recent Inspector Committee Meetings. Also, see the new, searchable Inspector Questions & Answers page. List of Providers for the new Legal Update and Legal Ethics courses. Please see our updated MCE FAQs page , covering the new Legal Update course and Legal Ethics course. Most Recent Enforcement Questions and Answers (past 6 months) -- Find former "new" items in the What's New Archive Important Information! TREC Redesigns Licenses The Real Estate License Act is now codified at Ch. 1101, Tex. Occ. Code File and Pay Online! Broker & Salesperson Applications; Broker & Salesperson Renewals; All Inspector & ERW Renewals All Licensees! Easily update your permanent mailing address online free. Look up MCE courses completed in the Quick Links' Licensee Info Search . Page last modified: 12/18/2005 Site Map Privacy & Security Policy Open Records Accessibility Texas Online Statewide Search TX Homeland Security