Home equity for the

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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Investment Property Calculator http://www.dinkytown.net -- Financial Calculators http://www.dinkytown.net -- Investment Property Calculator An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property. Investment Property Calculator Property Address PROPERTY_ADDRESS Property Information PROPERTY_INFO Financing Information Purchase Price PURCHASE_PRICE Cash Invested CASH_INVESTED Loan #1 Amount LOAN_1_AMOUNT    Interest Rate INTEREST_RATE_1    Monthly PI LOAN_1_PI    Term in Months TERM_IN_MONTHS1 Loan #2 Amount LOAN_2_AMOUNT    Interest Rate INTEREST_RATE_2    Monthly PI LOAN_2_PI    Term in Months TERM_IN_MONTHS2 Property & Depreciation Information Land Value LAND_VALUE Personal Property PERSONAL_PROPERTY Building Value BUILDING_VALUE Personal property depreciation PERSONAL_PROPERTY_DEPRECIATION at PERSONAL_PROPERTY_DEPR_RATE depreciation Building depreciation BUILDING_DEPRECIATION at BUILDING_DEPR_RATE depreciation Total Depreciation TOTAL_DEPRECIATION Gross Operating Income Annual Rent ANNUAL_RENT Less Vacancy LESS_VACANCY Gross Operating Income GROSS_OPERATING_INCOME Annual Expenses Real Estate Taxes REAL_ESTATE_TAXES Utilities UTILITIES Insurance INSURANCE Maintenance/Repairs MAINTENANCE_REPAIRS Advertising ADVERTISING Admin/Legal ADMIN_LEGAL Supplies SUPPLIES Miscellaneous MISC Total operating expense TOTAL_OPERATING_EXPENSE Operating expense ratio OPERATING_EXPENSE_RATIO Tax and Appreciation Rates Tax bracket TAX_BRACKET Appreciation rate APPRECIATION_RATE Cash Before Taxes Gross Operating Income GROSS_OPERATING_INCOME Operating expense - TOTAL_OPERATING_EXPENSE Net Operating Income = NET_OPERATING_INCOME Annual Debt Service - ANNUAL_DEBT_SERVICE Cash Flow Before Tax = CASH_FLOW_BEFORE_TAX Cash After Taxes Net Operating Income NET_OPERATING_INCOME Total Interest - TOTAL_INTEREST Total Depreciation - TOTAL_DEPRECIATION Taxable Income = TAXABLE_INCOME Tax Paid or Saved TAX_PAID_OR_SAVED Cash flow after tax CASH_FLOW_AFTER_TAX Rates of return Total appreciation TOTAL_APPRECIATION Return on Investment with appreciation RETURN_ON_INVESTMENT_WITH_APPRECIATION Return on Investment without appreciation RETURN_ON_INVESTMENT_WITHOUT_APPRECIATION Cap Rate CAP_RATE Cash on Cash CASH_ON_CASH 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 Cash Invested The money, you the investor, actually have to put down on the property. (out of pocket). Usually it is the amount of earnest money you invest in property. Interest Rate The amount of interest the investor pays annually to borrow money from the lender. Rates and programs can vary, check with lender for more information. Land Value The approximate value of the land that the property sits on. Usually available on the tax records in the county the property resides. You can not deprecate land value. Personal Property Anything that you have that is used for the investment property, such as washer/dryer, range, refrigerator lawn equipment, fixtures and other. Personal Property Depreciation Rate The rate annually you can depreciate on the personal property. Building Value Depreciation Rate Recovery period for five-year personal property. Year Percentage 1 20% 3 14.20% 5 11.52% 2 32% 4 11.52% 6 5.76% Appreciation The amount the property is on an annual basis appreciation occurs on entire value of the property Loan P & I P=principle, I=interest Total Depreciation Total amount you can depreciate annually on personal property and building value. Gross Operating Income The amount of income available after vacancy. Total Annual Operating Expense The total annual expenses including real estate tax, repairs, management fees, insurance, utilities, supplies, and other miscellaneous expenses. Operating Expense Ratio It's the percentage amount- based on the income 23 - 30% is considered average. Net Operating Expenses Total annual amount of expenses. Cash Flow Before Tax What's left after expenses, principle payment and interest. Annual Debt Service Your payment to lender including principal and interest. Equal Principle Reduction The amount left annually as you pay down the principle and interest. Return on Investment w/appreciation Cash flow before tax + principle reduction + taxes saved/paid + appreciation divided by cash invested. Includes appreciation. Return on Investment w/ out Appreciation Does include same formula above except appreciation. Cap Rate AKA= Net operating income divided by price, capitalization rate, rate of return- Anything in Double Digits is Fantastic! Cash on Cash Cash flow before tax % cash invested. Investment Appreciation Annual Percentage of increase of appreciation of property. Total Return The total analyzation of returns of the property. 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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Home Loans - Home Equity Loans from Ditech Home Loans - Home Equity Loans Home Equity Loans Home Loans : ditech.com is known as being a leader in the direct home equity loans industry. If you are looking for home loans Ditech can help you. We specialize in home equity loans . Ditech makes home equity loans quick and easy to understand. You won't get any surprises with our home loans. About Ditech Questions? Calculators Testimonials Live Chat Contact Us My Account Apply Now En Español -- Reach a home loan agent 24/7: New Purchase Overview Product Solutions Adjustable Rate Loan Home Strength Imperfect Credit 80/20 Program Overview Ditech $395 Flat Fee Moving Solutions Rates and Fees Rates at a Glance Payment Calculator Interest Rates Calculators Payment Calculator How Much Can I Afford? Free eAppraisal Frequent Questions Refinance Overview Product Solutions Adjustable Rate Loan Imperfect Credit Ditech $395 Flat Fee Rates and Fees Rates at a Glance Payment Calculator Interest Rates Calculators Payment Calculator Free eAppraisal Frequent Questions Home Equity Overview Product Solutions 125% Value Overview $49 2nd Mortgage Flat Fee Interest Only HELOC HELOAN vs. HELOC Benefit Comparison Detail Comparison Additional Research Home Improvements Financing Debt Consolidation Loan How Do Equity Loans Work? How Much Equity Do I Have? Types of Interest Types of Interest Rates Calculators Payment Calculator How Long to Pay Off My Credit Cards? Free eAppraisal Frequent Questions Home Equity Frequent Questions 125% Value Frequent Questions Loading Today's Rates... Assumptions Home loans as easy as Lower your payments with a low rate fixed for the first five years. read more Buy your dream home with a loan that is right for you Lower your interest rate with our no points, no broker fees $395 Flat Lender’s Fee. read more Lower your payments with our $395 Flat Lender's Fee Take advantage of our smallest flat fee $49 Second Mortgage Flat Lender’s Fee. read more Borrow up to 125% of your home's equity   Calculate Your Rate and Fee Options Your zip code   New Home Loans Solutions Looking to buy or build a new home and need to get pre-qualified? ditech.com has New Purchase loan products for you! read more Imperfect Credit? Had a setback? ditech.com has home loans for people with imperfect credit. read more Testimonials Hear what people across the U.S. have to say about ditech.com. Get Started Need help getting started? Home loan process overview Why ditech.com? free home appraisal get pre-qualified start loan process testimonials take our survey   print bookmark size + : size ++ : size +++ Equal Housing Opportunity Lender   A GMAC Financial Services Company Assumptions | Disclosures | Terms of Use | Privacy Policy | Security | Site Map State licensing © 2005 ditech.com

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Real estate prices and registrations of title - Statistics Sweden Find: A-Z Content Search Find more on the website --------------------------- Agriculture, forestry and fishery Business activities Citizen influence Culture and leisure Education and research Energy Environment Financial markets Health and medical care Household finances Housing and construction Information technology Judicial system Labour market Living conditions National accounts Population Prices and Consumption Public finances Social insurance Social services Trade in goods and services Transport and communications --------------------------- Use Sweden's Statistical Database Maps About Sweden's Statistical Database --------------------------- Publication plan Publications About the publications --------------------------- International statistics Information and Library Economic statistics Regional statistics Methodology --------------------------- Information services Statistics Sweden's Business Register SCB International Consulting Order international statistics Order Swedish statistics --------------------------- Swedish Statistics Net Other statistical sources Housing and construction Real estate prices and registrations of title Facts and trends of turnover and purchase prices of real estate of different kinds Press releases Publications Statistical Databases Requested tables and graphs Real Estate Price Indices Latest trends of Prices of Real Estate, with residential buildings Purchase prices of dwellings in housing co-operatives 2003 - 2004 Average purchase prices for one- and two-dwelling buildings in 2003 by municipality Real estate price index, annually. 1981=100 Real estate price index, annual changes For more information: E-mail byggande.bebyggelse@scb.se Telephone Martin Verhage +46 8 506 947 78 or Jonas Edblom +46 8 506 941 97 Updated: 2005-11-28 Productcode: BO0501

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Amazon.com: House of D: DVD Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! cult faves : A list by ramalamaman Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 101 used & new from $6.03 Available for in-store pickup now from: $27.99 Price may vary based on availability Enter your ZIP Code Have one to sell? House of D (2004) Starring: Anton Yelchin , Téa Leoni Director: David Duchovny Rating: See 2 customer images Share your own customer images List Price: $27.98 Price: $24.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $2.99 (11%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Friday, December 30? Choose One-Day Shipping at checkout. See details 101 used & new available from $6.03 Edition: Better Together Buy this DVD with Spanglish DVD ~ Adam Sandler today! Total List Price: $47.92 Buy Together Today: $38.98 Customers who bought this DVD also bought Spanglish DVD ~ Adam Sandler Hostage DVD ~ Bruce Willis The Upside of Anger DVD ~ Joan Allen Bewitched DVD ~ Nicole Kidman Explore Similar Items : in DVD , in Books , and in Music Storyline Genres: Drama Tagline: See the world a little differently. Plot Outline: By working through problems stemming from his past, Tom Warshaw (Duchovny), an American artist living in Paris, begins to discover who he really is, and returns to his home to reconcile with his family and friends. Plot Keywords: Artist | Bicycle | Janitor | Mental Retardation | Theft | Coming Of Age | Directorial Debut | Greenwich Village New York | Paris France | Women's Prison | Flip Book | Stickball | (Show all 68 plot keywords recommended by customers) Product Details Actors: Anton Yelchin , Téa Leoni , David Duchovny , Robin Williams , Erykah Badu , See more Directors: David Duchovny Format: Closed-captioned, Color, Dolby, Special edition, Subtitled, Widescreen, Ntsc Rated: Studio: Lions Gate DVD Release Date: October 4, 2005 Run Time: 97 min (original theatrical or airing runtime) Average Customer Review: Based on 24 Reviews From IMDb: Quotes & Trivia ASIN: B000ARFPNK Amazon.com Sales Rank: #9,233 in DVD Theatrical Release Information MPAA: for sexual and drug references, thematic elements and language. Production Company: Bob Yari Productions, Jeff Skoll Productions, Southpaw Entertainment, Tribeca Productions USA Box Office: $0 Million Filming Locations: New York City, New York, USA| Paris, France Editorial Reviews Amazon.com House of D is a bittersweet, moving story of an American expatriate's painful decision to come to terms with the childhood he fled in early 1970s New York City. David Duchovny wrote and directed this comedy-drama; he also stars as the adult version of the film's hero, Tom Warshaw, an illustrator who has spent most of his life in Paris and decides—on the occasion of his son's birthday—to finally reveal long-withheld facts about his past. The bulk of the story, told in flashback, portrays 13-year-old Tom (Anton Yelchin) as a quick-witted prince of his neighborhood, a delivery boy who knows every eccentric on his bicycle route and a Catholic school kid fond of playing pranks on his clueless French teacher and soulful principal (Frank Langella). His best friend is the school's mildly retarded, 41-year-old janitor, Pappas (Robin Williams), and his advisor on matters of the heart is Lady (Erykah Badu), a prison inmate whom the fatherless Tom (or Tommy, as he's called in 1973) can neither see nor touch. Tommy's vivacity is an asset at home, where his mother (Tea Leoni), a grieving widow with a mounting addiction to pills, is slipping away from her son's ability to help. Duchovny's screenplay sometimes borders on the precious: A number of scenes are enamored with their own boldness and originality, as if Duchovny has been squirreling away lots of colorfully expressive storytelling details for years, and unloaded them here. But that flaw all but disappears in the glow of House of D 's emotional resonance and honesty, not to mention several exceptional performances. Among these is Zelda Williams's work as Tommy's sage-beyond-her-years girlfriend, Melissa, whose name offers a suitable excuse to work a rather lovely Allman Brothers song into the soundtrack. --Tom Keogh Customers who viewed this DVD also viewed Crash (Widescreen Edition) DVD ~ Don Cheadle In Good Company (Widescreen Edition) DVD ~ Dennis Quaid The Interpreter (Widescreen Edition) DVD ~ Yvan Attal Birth DVD ~ Nicole Kidman Explore Similar Items : in DVD , in Music , and in Books Spotlight Reviews Write an online review and share your thoughts with other customers. 10 of 10 people found the following review helpful: Give me the Dad face , October 21, 2005 Reviewer: Matthew Wilson - See all my reviews This story had ecsaped my attention until recently. I rented it, thinking it had to be decent, given the casting. I was pleasantly surprised upon viewing. The story is relatable and moving. Anton Yelchin gives a stirring performance as a child dealt a difficult hand, struggling to make his own way. Tea Leoni plays very well the role of a distraught, widowed mother who has been left to care for her son. I feel the role of Pappas (played by Robin Williams) could have been slightly more developed, but he turns in a wonderful performance. David Duchovny wrote and directed the movie, as well as acted as the present day version of the main character. It's not the most engaging movie, but it is interesting. It has its moments of humor, sadness and happiness. Altogether a good effort by Duchovny. Was this review helpful to you? ( Report this ) 9 of 12 people found the following review helpful: Clever, fitting, heartwarming.... , October 10, 2005 Reviewer: Jarrod T Thompson "yaauthor" (Junction City, KS) - See all my reviews David Duchovny does a fantastic job of creating a picture of a boy's childhood(Tom) with an addicted mother who is in need of parenting from her son and who is not capable of being the mother he so desperately needs. The humor of being thirteen and the jokes we have all told are caught in the most appropriate of depictions. This story is a wonderful Bildungsroman that creates a realistic and fun view of Thomas as a young boy becoming a man and growing apart from his retarded friend(Pappas) by becoming an older mental age than Pappas can ever be. The life journey of Thomas is interesting, sad, funny and heartwarming all at once. Those who are so critical of Duchovny and this film had expectations that were too lofty for anyone to live up to. I have different expectations when I go the movies. I am not there to give amateur critiques of the directing and script. I am there to watch and hopefully be entertained, and this film does not disappoint. Duchovny is subtly funny bordering on hilarious. The depiction of the thirteen-year-old boy in his private school French class is a scene that I will be laughing about forEVER. This movie is well worth its price. Great Job David Duchovny! Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 1 people found the following review helpful: Lovely Film , December 20, 2005 Reviewer: nic "nic" (France) - See all my reviews Just watched this, and wanted to say - great film!! Wonderful characters, and some great acting, especially from the lead, Anton Yelchin. Really sweet story, with a proper fairytale ending. Definitely recommend checking this one out. Was this review helpful to you? ( Report this ) 1 of 4 people found the following review helpful: Are these reviews serious? , December 16, 2005 Reviewer: Jane (New York City) - See all my reviews I read the (mostly glowing) reviews here and decide to take a chance on the film despite the horrible reviews it received when released theatrically. I have to agree with professional critics on this one as I thought the film was poorly written, poorly shot and, except for the kids, poorly acted. Trite at best. Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: Beautiful story, unfulfilling sensation , November 15, 2005 Reviewer: Adrian Kain "The Lord of the Shoes" (Utah, USA) - See all my reviews I wasn't expecting much from the movie itself to tell the truth, but the two main characters (Papass and Tommy) are easily likable, as well as 'Lady', the woman locked in the House of D. The movie unfolds the story smoothly and with some funny moments, mixed up with drama and sad scenes throughout the main character's childhood. The performances are allright, especially those of Anton Yelchin (Tommy Harshaw), perfect for the role, and Erykah Badu (Lady Bernadette), who plays wonderfully a character who's limited to speak to Tommy from the window of a female cellblock. David Duchovny's is ok, considering he's a good actor, I know he could have done better if his own role had been larger: however, it didn't need to be so. Robin Williams plays a retarded janitor, and does a good job at it but it could have been a little better. Now, on to the weak, or weakest point of the movie: the end. I think the end was stretched like rubber, unnecessarily. I was expecting it to end at a certain point, leaving a little work for my own imagination, but instead they kept going and going, and making it worse every second, boring, corny, useless. It is in my opinion about the only weak point this movie had and it wasn't enough to destroy what was built throughout the story, I enjoyed it thoroughly despite the problem I pointed out before. Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: It could have been so much more , November 14, 2005 Reviewer: Todd Sullivan "Todd Sullivan 'Be In the World; Not of the World" (Mount Vernon, WA) - See all my reviews This movie had everything it needed to be a great movie, except it just fell flat. I decided upon this film because of the story line of a 13 year old man and his friend who was a mentally challanged 41 year old janitor Papas played by Robin Williams. It was in my opinion a great cast and a role suited for the talented Mr. Williams, but it was far from convincing and, altough a good character, maybe one of Robin's weakest performances. I am not sure if it was some uninspired acting or if the script didn't allow for a deeper performance or if my own expectations were to high. Erykah Badu role as a prison inmate that gives young Tommy advice and an ear was spectacular and was clearly the highlight of this film. Overall I liked the film, it just that I felt like with some expanded charecter development into the mind of Papas and maybe deeper explaining from Papas to Tommy why he stole the bike could have made this a 5 star film instead of a 3 start film. This is a film that had great potential and does have some tender moments it just fell flat. Was this review helpful to you? ( Report this ) See all 24 customer reviews... Listmania! cult faves : by ramalamaman 10/2/2005-10/8/2005 : by Jonathan Miller The David Duchovny Collection : by Kelly Garbato "www.kellygarbat... So You'd Like to... Top 50 Box Office Results of 2005 : by Jimmy , High School Student, Movie Fanatic Know What's Coming to a DVD Store Near You : by Joe , Movie Lover Know What's Coming to a DVD Store Near You - Version 2.0 : by Joe , Movie Lover Fun Facts from IMDb.com: Trivia Click here to see more Trivia Marks the film writing and directing debut of David Duchovny. David Duchovny claims to have written the screenplay in six days. Goofs Click here to see more Goofs Reverend Duncan says that the school's Bible class is being renamed "Ethics" due to requirements of church/state separation; however, it is clearly a private school, not subject to church-state issues. Movie Connections Click here to see more Movie Connections References: Soul Train | The Texas Chain Saw Massacre Quotes Click here to see more Quotes [from trailer] Pappass : I'm not retarded anymore. Tom Warshaw : Oh really? Pappass : Really. I went from retarded to challenged. For more information about "House of D" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Badu, Erykah DVD > Actors & Actresses > ( D ) > Drummond, Alice DVD > Actors & Actresses > ( D ) > Duchovny, David DVD > Actors & Actresses > ( L ) > Langella, Frank DVD > Actors & Actresses > ( M ) > Margolis, Mark DVD > Actors & Actresses > ( S ) > Spinella, Stephen DVD > Actors & Actresses > ( W ) > Williams, Robin DVD > Genres > Drama > By Theme > Buddies DVD > Genres > Drama > By Theme > Coming of Age DVD > Genres > Drama > By Theme > Urban Life DVD > Genres > Drama > Family Life > Mothers & Sons DVD > Genres > Drama > Family Life > Single Parents DVD > Genres > Drama > General DVD > Genres > Drama > Love & Romance > Young Love Suggestion Box Your comments can help make our site better for everyone. 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