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John T. Reed's Real Estate Investor's Monthly newsletter Web page Real Estate Investor’s Monthly is an 8-page, monthly newsletter aimed at a nationwide audience of individual real estate investors. Subscription prices are 1 year, $125; 2 years, $238. Not available in book stores . Subscribers get 12 or 24 issues depending on whether they buy a one- or two-year suscription. There is no way to access prior issues for subscribers or anyone else other than by purchasing books that have the article in question in them. See the tables of contents of John T. Reed’s various books for those titles. Order form | Real estate investment page | Secure shopping cart JOHN T. REED’S Real Estate Investor’s Monthly Almost every topic has been covered at one time or another. Use the “Find” function under the edit menu of your browser to search the back articles in the chronological list of articles below. Chronological list of articles , The best indication of what you will find in the newsletter. Start at the bottom and work backwards. Also a good review of the history of real estate investing since 1986. In many cases, just reading the article titles will give you ideas which can make you money . Profile of typical subscriber : Net worth, experience, age, sex, education, etc. What subscribers have said Have you done a deal that meets Real Estate Investor's Monthly standards? Sample issue The actual, entire July 1999 issue. (Viewing the sample requires Adobe Acrobat™. You probably already have it. If not, you can download it for free from http://www.adobe.com/products/acrobat/readstep.html .) To send feedback to John T. Reed, click here: johnreed@johntreed.com. Topics include how to: understand new tax laws find financing find deals that make sense deal with lawsuits minimize income taxes protect assets buy real estate at bargain prices use computers and the Internet in real estate avoid environmental liability exchange tax-free increase the value of your real estate minimize expenses pay the minimum interest rate do a lease option correctly understand new laws pertaining to real estate investments Many issues include actual case histories of successful investment strategies. Real Estate Investor's Monthly has been published continuously since February, 1986. In recent years, many people have begun asking if a subscription includes access to all past articles. No, it does not. We publish some past articles into books organized by subject. Real Estate Investor's Monthly covers the following subjects: Financing Conventional 1- to 4-family Conventional income property HUD 1- to 4-family VA 1- to 4-family HUD income property Seller financing Lines of credit Refinancing Other Real Estate Owned by lending institutions as a result of foreclosure Pay down of existing mortgages Best loan-to-value ratio Additional descriptive information to be added later to this page. Order form | Real estate investment books | Secure shopping cart John T. Reed, a.k.a. John Reed, John T Reed, Jack Reed, 342 Bryan Drive, Alamo, CA 94507, 925-820-7262, Email: johnreed@johntreed.com

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Home Equity vs. Auto loan http://www.dinkytown.net -- Financial Calculators http://www.dinkytown.net -- Auto Loan vs. Home Equity Loan Home equity loans often have lower interest rates than auto loans and the interest may be tax deductible. Two good reasons to take a look at home equity loans to finance your automobile purchase. Auto Loan vs. Home Equity Loan RESULTS_MSG. RESULTS_TEXT Auto Loan vs. Home Equity Loan Results   Auto Loan Home Equity Loan Loan amount LOAN_AMOUNT HOME_EQUITY_LOAN_AMOUNT Monthly payment MONTHLY_PAYMENT HOME_EQUITY_MONTHLY_PAYMENT Interest rate INTEREST_RATE HOME_EQUITY_RATE Term TERM months TERM months Income tax savings (Over the term of the loan) $0 HOME_EQUITY_TAX_SAVINGS Total interest paid AUTO_LOAN_TOTAL_INTEREST HOME_EQUITY_TOTAL_INTEREST RESULTS_MSG. Auto Purchase Summary Total purchase price (before tax): AUTO_SALE_PRICE Sales tax*: SALES_TAX   *Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box 'No sales tax deduction for trade-in' on the main calculator page. Fees: TITLE_TRANSFER_FEE Total sales price (after tax & fees): TOTAL_SALE_PRICE Total downpayment**: TOTAL_DOWN   **Your total downpayment is calculated as your cash down payment of CASH_DOWN plus your trade-in allowance of TRADE_ALLOWANCE minus the AMOUNT_OWED_ON_TRADE loan balance outstanding on your trade-in vehicle. Loan amount: LOAN_AMOUNT Payment schedule **REPEATING GROUP** Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. " This Financial Calculator requires a Browser with Java(TM) applet Support. If you are seeing this message you will need to download SUN's Java(TM) Plug-in. This can be done simply, and automatically, by clicking the link below: Get the Java(TM) Plug-in! Definitions Term Number of months for the auto loan. Purchase price The amount, before taxes and fees, that you are paying for this auto. Auto loan interest rate (APR) Annual percentage rate for the auto loan. Cash down This is the money you have available to be used for fees and your down payment. Trade allowance Total dollar amount given to you for your auto trade-in. Amount owed on trade Total loan balance still outstanding on the trade-in. Fees Fee charged for title transfer. Also include any other fees that may be due at delivery. Sales tax rate Sales tax percentage rate charged on this purchase. Home equity interest rate (APR) Annual percentage rate for the home equity loan. Home equity closing costs Any additional costs to the home equity loan. This should include any appraiser fees, points paid or other miscellaneous fees. State and Federal tax rates Your state and federal marginal income tax rates. These rates are used to determine the tax savings associated with a home equity loan. No sales tax deduction for trade-in If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade in. Currently California, the District ofColumbia, Hawaii, Maryland, Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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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 ... Southern California! :A list by Themis-Athena , a rock music fan Browse for music in: Styles > Pop > Adult Contemporary > General Styles > International > Europe > British Isles > Britain Styles > Pop > General Styles > Rock > General Travel > Music for Travelers > Europe > British Isles > Britain Feedback I have listened to this recording, and I want to review it. Tell a friend about this album . Write a So You'd Like to... guide . Check Purchase Circles . Is there a specific product you'd like us to sell? Tell us about it. Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. 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Find a Property - Properties for sale & rent from estate agents Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas Find your ideal house, flat or apartment for sale or rent Find a Property - Moving made easy Search 171,640 houses, flats and apartments for sale and rent through 3,617 estate agents. Area Guide Search for properties by area, with price guides, maps and local information Find a Property has 171,640 properties for sale and to rent throughout the UK and overseas. Review our estate agent list or start searching properties by location now... Property Prices How much is your house or flat worth? Review recent property price trends... Search all Editions 6,711 new properties for sale and to rent in the last 7 days Search for properties in... London (North of Thames) London (South of Thames) Surrey & Middlesex Berkshire, Buckinghamshire, Hertfordshire & Essex Hampshire, Sussex & Kent Rest of UK Rest of Europe Rest of World Virtual Tours Get a 'real' feel for a property with a 'virtual' tour... Estate Agents Review a full list of letting and estate agents advertising on Find a Property Sector Inspector We talk to estate agents who focus on a particular corner of the property market... Specialist Properties Commercial property, new homes, investment properties and more... Dream Houses Forget the house price review the properties of your dreams... Premier Property The finest properties in some of England's prime residential locations New Homes for Sale New homes for sale and new build property developments Short Lets Properties available for short or holiday let and serviced apartments Commercial Commercial property from office and retail space to industrial sites Waterside Property River views, house boats, canal apartments... Investment Properties Buy to let, property development and investment opportunities Property Auctions A selection of properties for sale by auction Contemporary Properties Loft apartments, warehouse conversions and other contemporary property Property features Animal House (29 Dec 2006) Finding the perfect rented home can be difficult at the best of times; but for pet-owners especially, house-hunting can be an uphill struggle... more Oxford's Eco Home (16 Dec 2005) In 1997, George Marshall bought a rundown 1930s terraced house on an Oxford council estate. Then he did something rather unusual with it... more The Truth About ... Ex-Council Properties (15 Dec 2005) They're still within reach for hard-pressed first-time buyers and a tempting prospect for canny buy-to-let investors. But are ex-local authority properties really a safe bet? ... more Christmas: Far Away But At Home (09 Dec 2005) What could be more Christmassy than a holiday season in an exotic winter location - think hats and scarves and New York in the snow; or a barbecued turkey with all the trimmings, cooked on sizzling Bondi Beach... more Headlines Scotland's Year, Says Halifax 29 Dec 2005 It was a good year for Scottish house prices: nearly half of the top twenty increases were recorded by towns north of the border... more Huge Annual Increase In Mortgage Lending 23 Dec 2005 Gross mortgage lending in November was a whopping 30 per cent higher than the same month last year, says the CML... more NAEA: Christmas Cooldown In November 22 Dec 2005 The seasonal Christmas slowdown was evident in November, according to the latest survey from the National Association of Estate Agents... more Flat Year Ahead For House Prices 21 Dec 2005 A broadly flat market is what we can expect next year, according to a report from HBOS... more More news... Local Links A list of local guides, resources and directories Word on the Street This week's area info posted by local residents Top Top Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas Find a Property 2004 Advertise (estate agents only) Contact us (estate agents only) About us Privacy Policy Terms & Conditions