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Home Loans - Forbes.com - New Home Loans U.S. | EUROPE | ASIA Jump Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special Reports Video & Audio Watchlist IT Research Library IT Product & Service Search Business -Manufacturing -Technology -Commerce -Services -Energy -Healthcare -Small Business Technology -E-Business -Enterprise Tech -Infoimaging -Personal Tech -Science & Medicine -Wireless Markets -Equities -Economy -Commodities -Bonds -Emerging Markets -Currencies Work -Careers -Compensation -Entrepreneurs -Management Lists -Companies --Forbes 500s --Forbes Global 500 --200 Best Small Cos. --400 Best Big Cos. --Largest Private Cos. -People --World's Richest People --100 Top Celebrities --400 Richest Americans --Best Paid CEOs -Places --Best Places Personal Finance -Estate Planning -Funds -Philanthropy -Retirement -Strategies -Taxes Lifestyle -Collecting -Health -Real Estate -Sport -Travel -Vehicles -Wine & Food Columnists Magazines -Forbes Magazine -Forbes Global -Forbes FYI -Forbes ASAP -Best of the Web -Archives -Subscriptions Tools About Us Contact Us Help Reprints/Permissions Sitemap Advertising Conferences Forbes Collection Forbes Mobile Special Advertising Search Quote HOME PAGE FOR THE WORLD'S BUSINESS LEADERS Home Special Advertising Section Tell Us About Your Property Loan Type * Refinance Purchase Home Debt Consolidation Home Equity Home Description * Single Family Multi Family Town House Condo Estimated Home Value * $ Select One 75,000 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Tell Us About Your Current Loan Your Mortgage Balance * $ Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Current Interest Rate * Select 3.00 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00 5.25 5.50 5.75 6.00 6.25 6.50 6.75 7.00 7.25 7.50 7.75 8.00 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11+ % Existing Rate Type * Fixed Adjustable Fixed/Adj How Much Additional Cash do You Wish to Borrow? $ Tell Us about Your Home Purchase Is there a Specific Home You Want to Buy? * Yes No Purpose of Property * Primary Secondary Investment Vacation Property State * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi 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 Down Payment * Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 Over 1,000,000 Rate Type * Fixed Adjustable Fixed/Adj Tell Us about Yourself Your Credit Profile * Excellent Good Fair Poor Annual Income Occupational Status Employed Self Employed Retired Unemployed Monthly Debt Payments Select 0-249 250-499 500-749 750-1,000 Over 1,000 Have You Declared Bankruptcy? No Not in the last 7 years 1-2 years 2-5 years Your Contact Information First Name * Last Name * Email * Street Address * City * State * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi 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 Zip * Primary Phone * Secondary Phone Best Contact Time * Morning on Primary Morning on Secondary Afternoon on Primary Afternoon on Secondary Evening on Primary Evening on Secondary * REQUIRED FIELDS Service and Data Privacy provided by Secure Rights Note: Secure Rights is responsible for the collection and transfer of information on this page for the purpose of completing your request. By submitting your request you agree to be contacted in accordance with Secure Rights Privacy Policy . View Secure Rights licenses . Paid Advertisement Article Home Loans Bring Would-Be Homeowners Closer to their Goal If you’re looking to buy a house, it’s unlikely that, in today’s economy, you’ll be able to pay in full up front. That’s why home loans exist – to aid aspiring homeowners in acquiring and financing the homes they’ve dreamed of – without bankrupting them in the process. Home loans can be acquired through banks and home loan companies. Either route you take, you’re entitled to personal service by a representative who will review your finances, credit report, and help you decide which is the best home loan solution for your needs. In order to gather all the information they need, the bank or loan company will re-appraise the market value of your house to determine the proper loan amount. You will then work together to go over the different loan options available and determine which is best for your personal situation. Different Home Loans for Different Folks There are two main types of home loans , each with its own advantages. Fixed-rate loans divide the amount to be repaid over a set number of years. “Fixed rate” means that no matter how the interest rate fluctuates over the years, the amount of payment will remain the same. If the interest rate dips, your mortgage consultant will help you refinance to take advantage of the lower rate. In contrast, adjustable rate mortgages (ARMs) are dependent on the fluctuation of the interest rate over time. When the rate is low, payments are low, but when interest rates are high, the payment increases also. ARMs are slightly easier to qualify for than fixed-rate loans, but they also carry more risks. When you are choosing a home loans company, take into consideration the additional “home loan origination fee” (usually 1% of the total amount borrow, so if you borrow $100,000, the fee is $100), as well as closing, settlement and appraisal fees. Most companies will allow you to “roll” these fees into your home loan, an excellent option that allows you to pay them over time if you don’t have the funds to pay up front. When you’re ready to move forward with a home loan, or if you’d just like to start exploring your options, submit the form at the top of this page to acquire your own mortgage consultant to help you get started with the mortgage process and explain which home loans might be best for you. ^ Paid Advertisement Article ^ Ad Information        Forbes.com Wireless        Reprints / Permissions        Subscriber Services        ©2004 Forbes.com™      All Rights Reserved       Privacy Statement        Terms, Conditions and Notice Search Engine Marketing by 360i, Inc.

Real Estate Listing

Champaign & Urbana Illinois real estate listings, home buying, seller financing and relocation information 217-355-1404 Sell a House Buy a Home Contact Us Resources Investors Home Sell Your House In 7 Days or Less! We buy houses in Champaign, Urbana, Savoy, Mahomet, St Joseph, and Tolono. Check our real estate inventory of homes for sale with owner financing! No realtors or agents needed. Do you have a house that you need or want to sell fast? Would it help if we could provide you immediate debt relief, by taking over your mortgage payments for you? Good News! We have several innovative programs that will allow you quick solutions to sell your house in 7 days or less, and move forward with your life. You may need to sell your home for many different reasons * Job Transfer * Divorce * Behind on Payments * Lose Your Job * Buying Another House * Need Repairs * In Foreclosure * Tired of Being a Landlord * Inheritance * Making 2 House Payments * Health Problems * Bad Tenants Learn how to sell your house in 7 days or less. Get your FREE Special Report by clicking here Creative Real Estate Solutions for Champaign Urbana Illinois If you own real estate in the Champaign Urbana area, we can help. Palm Harbor Services, Inc is a real estate investment group. We are not a real estate agency or brokerage firm. We specialize in creative real estate solutions in Champaign County . We are not Realtors, we are investors. We don't want to list your house, we want to buy it! There is no doubt that Champaign Urbana Illinois is a great place to live. Owning real estate has many advantages, however if you need to sell fast, there are many disadvantages too! If you have ever tried to sell a house before, whether you used a Realtor, tried for sale by owner, or any other method, you'll agree that there is a lot of grief and stress involved. When will I find a buyer? Should I have another open house? Is my buyer financially qualified to buy my real estate? How much will I have to pay in real estate commissions?, etc. Will my house ever sell? SELL YOUR HOUSE FAST! We have years of specialized knowledge in both creative and conventional real estate. We've worked on both sides of the fence before and have been involved in Millions of dollars of real estate transactions in the Champaign Urbana area. If you want to eliminate the nightmare of selling your house on your own, or the hassles of listing with a realtor, here are just a few of the benefits of how we can help. We can offer you a variety of options to get your home sold quickly, without hiring an expensive Realtor Company! We can close Fast! You can sell your house in as-is' condition! You can move when you want to! You never pay a real estate commission! You get Fast Debt Relief from your mortgage payments! We have solutions for many situations, including if your house needs repairs, your relocating, behind on payments, in foreclosure, etc. What our clients are saying . . . . I received a post card in the mail. I read the card and gave them a call. We talked about how they could buy my house and take a BIG load off of my shoulders. They did just that, and did all of the work. It helped out a lot! There name is in my cell phone, and if anybody I know needs help, they will be the first people called! Joe Henderson We Have Solutions That Allow You To Move On With Your Life There are many Realtors in the area who could list your house for sale. However, after signing a listing agreement with a Realtor, you will have to sit on the sidelines and wait to see what the market does for you. Sometimes you will have to wait, and wait and wait! Due to circumstances out of your control, there are many houses that will not sell fast in the conventional market. For a lot of people, this may cause a financial strain on you. If your house is vacant, how long can you afford to make payments on a vacant house? Ask us about our Lease-Purchase Program . . . We Can Help! There is no guarantee that a Realtor can sell your house. And if they can, you may have to wait up to 6 months or more to get to the closing table. You will then have to pay your realtor thousands of dollars in commissions. Do you want to go through the realty circus, or do you want to sell your house now? If the circumstances are right, we can pay cash and close when you are ready. If your house doesn't qualify for our Cash-Purchase Program, there is a great chance that it will qualify for our Lease-Purchase Program. Since we are not Realtors, we don't charge you any commissions or fees. We also won't tie up your property for 6 months or more trying to sell it. We can buy your house quickly and relieve you from the financial burdens of mortgage payments right away! If you have a house that you want to sell right now, please complete the Fast Offer Form , and we can provide you with a fair firm offer in 48 hours! Special FREE Champaign Urbana Report We have prepared a special report that we can provide you absolutely free of charge. If you own real estate in the Champaign Urbana area, or any of the following cities; Mahomet, (Saint) St Joseph, Tolono, Thomasboro, or Rantoul, you can get your copy of this Free Report now! In the Free Report you will learn the details on How To Sell Your House in 7 Days or Less . You will discover your options and alternatives, and how to move forward with the next step. To Order Your Free Special Report On How To Sell Your House in 7 Days or Less Complete the form below and your report will be immediately sent to your inbox. Name: Address: City: State: Zip Code: Email: How did you find our company? select one The Homefinder A For Sale sign Postcard Thrifty Nickel Internet Search News-Gazette Business Card Referral Other Palm Harbor Services, Inc. | P.O. Box 7167 | Champaign, IL 61826 Search for Lenders serving Champaign and Urbana Illinois | Online Real Estate Schools

Home Loans Debt Consolidation

VA Loans (Veteran's Affair Loan) contact us home Useful VA Loan Information More than 29 million veterans and service personnel are eligible to receive VA loans. The federal government recently improved the VA loan program, which makes the program even more attractive to our nation's veterans. The changes enacted in Dec. 2004 have increased the loan limit to $359,650, tied the future loan limit to a fluctuating index, and reinstated VA adjustable rate mortgages (ARMs). The VA ARMs will feature interest rate adjustments on an annual basis, which will be limited to a maximum increase or decrease of 1 percentage point. In addition, the interest rate increases are limited to a maximum of 5 percentage points over the life of the loan. The increase in the VA loan guaranty amount comes at an appropriate time for the nation's veterans. While national home prices have appreciated nearly 75 percent since 1995, the VA guaranty amount has only experienced one increase of approximately 18 percent since that time. The U.S. national average purchase price for a single-family home reached $264,540 in October 2004, according to figures released by the Federal Housing Finance Board. This figure is more than 10% over the maximum that lenders were previously willing to provide for a VA loan. With the new VA loan guaranty increase, most lenders will be willing to loan a maximum of $359,650, which indicates that more veterans will now be able to afford a home at the national average purchase price. Veteran's Affair Loan Advice If you are looking to get additional advice regarding a VA Loan, or if you want to speak with someone about prequalifying or even refinancing your home with a VA Loan, you can visit the VA Mortgage Center . They specialize in Veteran's Loans and can assist you through the entire process. They can even prequalify you online. The VA mortgage Center is not associated with the Government's Veteran's program, but they do specialize in VA Loans and can help you get the best rates and advice on your loan. You can also visit the Veteran's Affair Home Page which is the official site for Veteran's Affair Programs. This site will give you additional information regarding the loan, but will not be able to actually help you obtain or get pre-approved for a loan. However, you can find some financial forms at the Veterans Affairs Administration site. Other VA sites: Veterans can more advice on VA Loans and VA Refinances from bankrate . The site can help answer any questions you may have including interest rate questions as well as advice you on whether or not a refinance is your best option. Other sites such as Military Connections.com have some information regarding various benefits and you can find a VA Benefit List that gives Veteran's a list of benefits including information about VA Loans. The VA site also has information about the GI Bill or you can get information about Canada's Veterans Programs . Mortgages VA Loans Home Loans Debt Consolidation Refinancing Apply Now!

selling home game console

Xbox 360 is the U.K.'s Fastest-Selling Home Console News for Xbox 360 on GamePro.com Microsoft's Xbox 360 is one step closer to world domination. UK data firm Chart-Track has announced that the Xbox 360 is the fastest-selling home game console released in the United Kingdom, beating out Nintendo's GameCube system. Actual figures aren't yet available. But it's likely that the overall shortage of Xbox 360 units in retail stores actually cramped this figure; had Microsoft been able to meet demand, who knows what the final U.K. launch figures might have been? Overall, though, this is a telling sign that Microsoft's global launch strategy is paying off. Now, all eyes are turning to the Japanese sales figures. Can Microsoft break into the notoriously insular Japanese gaming market? " PS2 / Xbox / GameCube / PC / Handheld / Wireless / Entertainment / -- Newsletters / Holiday Gift Guide PSP Guide -- News / Screenshots / Downloads / Cheats / User Reviews / Forums / Free Stuff / Shop Title Keyword Advanced Search --- Xbox 360 Game Finder Reviews Previews Cheats Strategies Features News RPG Sports Action Adventure Direct Feed Win a FREE iPod 2GB Nano! Be a part of the GamePro Team for a day Lucas Arts SWG New Player Experience 2K Sports Xbox 360 Sweepstakes Download and Play Peter Jackson's King Kong! Games.net Presents the 2005 Holiday Gift Guide Win A FREE Xbox 360! Free Newsletters! GamePro Weekly ProNews (daily) Cheats (weekly) Xbox 360 (weekly) PS3 (weekly) GameCube (weekly) Handheld (weekly) PC/Online (weekly) Xbox (weekly) PS2 (weekly) Sports Entertainment Hot Links Newsletters Action Replay Shop 5.0 list Release Calendar Retro PlaySmart The Hub Forums User Reviews Contests Letters Inside GP GP FAQ Register Update Info Magazine Subscribe and Save Subscribe to GamePro EX Inside Current Issue Gift Subscriptions Subscriber Services Past Issue Archive Latest Code Vault Xbox 360 / News / Xbox 360 is the U.K.'s Fastest-Selling Home Console Xbox 360 is the U.K.'s Fastest-Selling Home Console Info News Previews Review Cheats Strategies Features Downloads Prices Publisher : Micrososft Developer : Microsoft Release Date : Available Now ESRB Rating : Everyone 1 of 9 screens Advertisement Recent News Similar Games Final Fantasy Creator Goe... Xbox 360 May Not Be Avail... EA Casts Doubt on Xbox 36... LA Xbox Modders Charged f... Hackers: Xbox 360 Mod-Chi... Xbox 360 Games Already Be... Metal Gear Acid 2 Darwinia Lost In Blue Xbox 360 1503 A.D. Left Behind: Eternal Forc... Community Average 3.9 User Review • Go to User Reviews • Write your own User Review • Go to GamePro Forums • Go to the Official Forum Topic --- News by: Vicious Sid Posted: 12/06/05 [ view screens ] Microsoft's Xbox 360 is one step closer to world domination. UK data firm Chart-Track has announced that the Xbox 360 is the fastest-selling home game console released in the United Kingdom, beating out Nintendo's GameCube system. Actual figures aren't yet available. But it's likely that the overall shortage of Xbox 360 units in retail stores actually cramped this figure; had Microsoft been able to meet demand, who knows what the final U.K. launch figures might have been? Overall, though, this is a telling sign that Microsoft's global launch strategy is paying off. Now, all eyes are turning to the Japanese sales figures. Can Microsoft break into the notoriously insular Japanese gaming market? track this game / --- email this article / print this article / view screens Name Address City State ZIP Email Sponsored Links ©2005 IDG Entertainment. All rights reserved. Privacy Statement Terms Of Service Agreement Advertising Information IDG Entertainment Online Network: GamePro.com Games.net GamerHelp.com GameStar.com BlogFaction.com IDG.net: PCWorld Macworld Playlist CIO Computerworld CSO Infoworld JavaWorld Network World Networking for Small Business PC Advisor PC World Latin America Techworld ITWorld Canada PC World Canada IDG International GamePro.com Customer Service Subscribe Submit a Code Site Comments Contact Print Advertising Online Advertising Staff Jobs About Us Media Kit The 2005 Industry White Paper RSS Feeds Site Map

real estate prices declining

Inman Real Estate News - Real estate prices to slow in 2006 Wells Fargo economists say housing demand will soften Real+estate+prices+to+slow+in+2006 Wells+Fargo+economists+say+housing+demand+will+soften %3ca+href%3d'http%3a%2f%2fwww.inman.com'+target%3d'_blank'%3eInman+News%3c%2fa%3e 2005-12-19T00%3a00%3a00.0000000-08%3a00 49268 HOME | NEWS | JOIN | PRODUCTS | CONFERENCES | ADVERTISE | ADVICE | ABOUT US | CONTACT US | SUBMIT A TIP Member Resources Members Home Search Inman News Content Warehouse Cartoon Database Weekly Newsletter Special Reports Audio Files Inman Blog Feedback Connect Registration Audio Conference LETTERS TO THE EDITOR There's no denying real estate bubble Re: ' Worst-case scenario for housing next year ' (Dec. 28) Dear Editor: I have been a real estate investor since I was 19. I am now 54. To deny a real estate bubble is to ignore the obvious market fundamentals. Obviously, there are different factors in different markets, but as a longtime investor/Realtor/broker there is no logical argument against real estate prices declining 10 percent to 30 percent in the "hot markets." The South Florida condo market will be a blood bath. The median income cannot buy the median house in most markets; interest rates will continue creeping up; speculators have driven prices to insane levels and when the going gets rough they will walk from a lot of residential properties. Most "hot" areas are becoming alarmingly overbuilt with residential inventories rising; lenders have ticking time bombs in their ARMs, negative equity and interest-only mortgages. Do your homework. Be wary of those whose opinions are tainted by the fact that they or their company have a stake in this insane market continuing. Michael H. Mosieur Mosieur Business Brokers Re: ' America closes doors to architectural expression ' (Dec. 26) Dear Editor: This is one of the most insightful articles I've read in a long time. We might add, "And what are we doing to our children as we worship at the altar of the mundane?" Years ago I read that about 1,000 children were tested for creativity just prior to entering kindergarten. Eighty-five percent of the children tested "creative." Twelve years later the same group was tested, and only 35 percent of the students tested "creative." What happened to the children along the scholastic way, and does the country even care? Where's the outcry? Isn't the creativity of our generations one of our most precious resources? It's been said that we're only one generation away from losing our freedom. Could it be that with escalating offshore competition in view, and stultifying U.S. scholastic models utilized, that the above advisory could also apply to our economic freedom? A. Bruce Belfield III Associate real estate broker Hurricane, W.V. FREE website content! Make Inman.com your homepage Get the Inman News Toolbar Link to Inman News Consumer News Commercial News Real Estate Articles from Inman News Already a Member? Log in below to view full story: User ID: Password: Lost Password? Real estate prices to slow in 2006 Wells Fargo economists say housing demand will soften Monday, December 19, 2005 Inman News To read this article, become a Member of Inman News now! JOIN NOW TO BECOME AN INMAN MEMBER 100% Satisfaction Guaranteed Group discounts available First Name: Last Name: E-mail: User Name: Call 1.800.775.4662 x128 8am - 5pm Pacific Time to order by phone or to get a discount group membership for your company or colleagues. View News Article Sample Hear Sample View Newsletter Sample Connect Info View Audio Conference Schedule Back Top © 2005 Inman News Home | Privacy | Editorial | Legal | Site Map