Land Loan Up to
Members 1st Federal Credit Union - Home Equity Loan Rates Thursday, December 29, 2005 Home | About M1 | Contact Us Events | News | What's New Online Services Deposit Accounts Loans Rates Business Services Investing Membership Locations Loan Rates Deposit Account Rates VISA Credit Card Rates Disclosures Vehicle Loans Mortgages Home Equity Loans Student Loans Variable Rate Loans Luxury Loans Miscellaneous Loans Calculators Home Equity Loan Rates Printer Friendly Format Members 1st can help with quick, convenient, low-cost financingfor the purchase of new and used automobiles, passenger vans and pickup trucks. All rates are expressed as ANNUAL PERCENTAGE RATES. Rates are subject to change without notice. Loan rates as low as those listed beloware effective Thursday, December 29, 2005 Home Equity Loan Up to 80% Equity * Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 180 Months 6.49 6.74 Payment Buster 6.64 6.74 Home Equity Loan Up to 100% Equity * Term APR 12 Months 5.99 24 Months 6.24 36 Months 6.24 48 Months 6.74 60 Months 6.74 84 Months 6.99 120 Months 6.99 Land Loan Up to 80% Equity Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 144 Months 6.49 6.74 Land Loan Up to 90% Equity Term APR 12 Months 5.74 24 Months 5.99 36 Months 5.99 48 Months 6.49 60 Months 6.49 84 Months 6.74 120 Months 6.74 * Home Equity Loan rates are for primary residences only (consult your loanofficer for rental property rates). Your rate my vary from what is listed and will be determined by your individual credit profile and Loan to Value. All rates reflect a .20% reduction for Payroll Deduction /Direct Deposit / Auto Transfer. Savings insured by the National Credit Union Administration Equal Housing Lender Equal Opportunity Lender Fraud & Security Center ©2004 Members 1st Federal Credit Union Mechanicsburg, Pennsylvania Internet Terms of Usage Privacy Statement
Florida Real Estate Bubble
Florida Real Estate Bubble Stock Market Crash History Bear Market Forecasting Stock Market Crash! - The authority on the market crash phenomenon Home | Site Map | Blog | News Term Glossary | Book Review | Bear Market Sites Florida Real Estate Bubble The 1920’s, in America, were a time of great prosperity. Skilled and educated working Americans had jobs providing numerous fringe benefits, paid vacations and pensions. In addition, automobiles were becoming commonplace for the wealthy and middle class allowing cross country travel. This good fortune set the stage for the Florida real estate bubble . Starting in 1920, many Americans became enamored by the materialistic and prosperous lifestyle of the time. During this time, the stock market was moving forward at an extremely fast pace. Many investors were becoming quite wealthy. Florida became a hot spot for these newly rich people, who didn’t enjoy the cold. Many whole families took vacations to Florida. It was at this point that tourism started booming and land prices were skyrocketing. Many astute investors took notice and started buying Florida real estate. The population in Florida was growing exponentially and housing couldn’t meet the demand. Florida became the “playground of the rich and famous”. Illegal casinos and drinking parlors became widespread in Miami. At this point, almost anybody could invest in Florida, even without much money. Credit was plentiful and soon everybody in Florida was either a real estate investor or a real estate agent. In 1922, the Miami Herald became the heaviest newspaper in the world as a result of its humongous real estate advertisements. People in the North heard about the real estate prices “doubling and tripling”, causing a snowball effect. Capital was rapidly pumped into the real estate market. Whole golf communities were developed, such as Temple Terrace. Resorts and retirement communities were developed almost overnight. Mansions were sprawling in every area, as were swimming pools. As always, waterfront property was the most desirable. Florida was seen as a veritable Utopia. Real estate prices quadrupled in less than one year. An elderly man invested $1,700 in property and by 1925 the property was worth over $300,000! It seemed you could do no wrong by just buying any property in Florida and become a millionaire. By 1925, real estate prices had become so exorbitant that buying land wasn’t affordable any longer. New investors failed to arrive and old investors started to sell. Panic arrived, as it always does, and the real estate market crashed. Prices kept moving downwards as heavily indebted investors tried to sell to avoid bankruptcy . In most cases, no buyers arrived, and the investors were bankrupt from the enormous mortgages. To make matters even worse, a highly destructive hurricane ravaged South Florida in September 1926. The 125 mile an hour winds eventually turned Palm Beach County into swamp lands. After the storm, a huge tidal wave crashed upon the towns of Belle Glade and Moore Haven. Due to these horrible turn of events, over 13,000 homes were destroyed and 415 people died. Additionally, the arrival of the Mediterranean fruit fly obliterated the large citrus industry. It took years for Florida to fully recover, even through the highly prosperous time from 1925 to 1929. Florida was barely affected in the stock market crash of 1929 and the Great Depression , because of its poor financial state from the start. Market crashes always occur in the same manner. Regardless of the market, the same simple psychological underpinnings are always at work. People who are caught up in a bubble never look back for historical examples. For this folly, they become paupers. “Those who cannot remember the past are condemned to repeat it.” Links to other Florida Real Estate Bubble Websites The Biggest Market Crashes in History: The Florida Real Estate Bubble Bear Market Articles • What Exactly is a Market Crash? + The inner details • Does Everyone Lose in a Crash? + The answer may surprise you! + What it takes to be an insider • Can Crashes be Forecasted? + Learn the warning signs + Take action! • The Housing Bubble + Why it is destined to pop + How you will be affected • The Coming Crash! + Prepare for the worst Financial Crisis History 1. Tulip Bulb Mania - Read about the Dutch tulip craze in the 1630's 2. South Sea Bubble - Learn about England's disastrous stock market crash in the early 1700's 3. Mississippi Bubble - The financial scheme which caused a stock market crash in 18th-century France 4. Florida Real Estate Bubble - The speculative boom and implosion of Florida property in the 1920's 5. Stock Market Crash of 1929 - The Great Crash + Depression 6. Stock Market Crash of 1987 - Mayhem and program trading 7. The Nikkei Bubble - The downfall of the Japanese titan 8. The Collapse of Barings Bank - Read how England’s oldest, most established bank was collapsed by a single trader. 9. The Nasdaq Bubble - The mania of Silicon Valley and Wall Street Home | Site Map | Blog | News Term Glossary | Book Review Bear Market Sites
Property Search
Missoula County Data Search Engine Property Search By Address By Tax ID By Geocode By the Map Records Search By Tax ID By Geocode By Book/Page Note: Choose a search to find owner or property information. We reccomend 800 X 600 resolution or better. Welcome to the Missoula County Property Tax Information System. Click here to go to WebPay - Online Property Tax Payment System PLEASE NOTE: YOU MUST TURN OFF POP-UP BLOCKERS BEFORE USING MAP SERVICE IN ORDER FOR RESULT SCREENS TO SHOW YOU INFORMATION ON PARCELS SELECTED!!!!!! Welcome to our Property Information System. We ask that you continue to help us improve our system by sending in your questions and comments either by email or by phone. All those who have called in with information on some problems they experienced while on the new system have helped us a great deal. We are working as quickly as we can to complete the new system and bring back all the features we had before. Some known issues with the system are as follows: No GEOCODE Search feature. You may now search based on GEOCODE. If you begin a Search using the Map Search, you will not have access to pages using the tab links at the top of the page. (This has been fixed so that a user will see a page that gives a message that a property has not yet been selected rather than a standard error page.) Some data fields are not connected to their sources and will show as empty on the pages. Most links have now been fixed. To email a comment or question, please send it to helpdesk@co.missoula.mt.us . When sending in a problem, please include any helpful information such what page you were on (i.e. Name Search, TaxID Search, etc..), what information you expected to see but could not find or what TaxID you used to conduct a search that ended with an error or problem. This will help us to reproduce the problem or error, which will help us fix it. If you would like to call with any errors or problems, please call us at 406-258-4727. Again, it would be helpful to have information ready that might help us fix the problem. We do apologize to all users of the system. We realize this has caused problems for many of you. We would also like to assure you that we are doing our best at getting all of these issues addressed and taken care of. Thank You Missoula County Information Systems Department Property Information System Helpful Links Announcements: Please follow this link for important or special announcements which could include system downtime. Coming Soon: An online presentation on how to use this new system. For answers to some commonly asked questions regarding this property information system. Map Server Printing Instructions For help and other instructions for using this system, please follow this link. Please read our use policy prior to using this system. Please read our disclaimer prior to using this system. Missoula County Property Tax Information System 2000-2005 The information on this page is for reference only. No reliance should be placed on the completeness nor the accuracy of this information without first consulting original records and personally verifying the accuracy of any and all information displayed on this page.
Denver real estate ,
Denver Real Estate, Littleton Real Estate, Highlands Ranch Real Estate, Ron Yost Denver Real Estate • Highlands Ranch Real Estate for all Denver Colorado Real Estate Littleton Real Estate • Highlands Ranch Homes for sale • Littleton Homes for sale "Specializing in the buying and selling of single family and townhomes" Denver • Littleton • Highlands Ranch • Rocksborough • Lakewood • Englewood • Aurora • Golden • Broomfield • Westminster • Thornton • Arvada • Arapahoe County Featured Property $218,000.00 Elegant 2 bedroom 2 bath 2003 Shea Townhome. 1,422 sq. ft of living space. Bold Interior colors, walk in closets, and much more! Click Here for more details Ron Yost is your #1 choice for covering Denver real estate , Littleton real estate , Highlands Ranch real estate , Rocksborough, Lakewood, Englewood, Aurora, Golden, Broomfield, Westminster, Thornton, Arvada, and Arapahoe County. Search the MLS for all available homes for sale in the Denver Area. Sell or buy a home with an experienced, professional Realtor. Featured Homes Buyer & Seller Tip s Your Homes Value Maps Directions Local Schools Local Weather Translate this site into: Select Language French Spanish German Italian Portuguese Ron Yost specializes in Denver Real Estate , Littleton Real Estate , Highlands Ranch Real Estate , Rocksborough , Lakewood , Englewood , Aurora , Golden , Broomfield , Westminster , Thornton, Arvada , and Arapahoe County . He can help you find and buy the home of your dreams . This site has information on all homes and real estate for sale in the Denver area. Whether you are a first time buyer or an experienced investor , you will find useful information about how to choose the "right" property , making an offer, negotiating, financing , mortgage rates , moving, and everything involved in making an informed real estate decision in today's market. This comprehensive online tool offers direct access to the latest properties for sale in your area. Providing community and relocation information , free reports , home buying and selling tips , newsletters, and MLS search for homes for sale in Denver CO and surrounding areas. Also, featuring extensive consumer links , school information , and answers to commonly asked real estate questions , and more, you'll find everything about real estate within one easy source . If you currently own property and are thinking of placing it on the market, this site contains information about preparing your home for sale , selecting the right agent , pricing your home appropriately , marketing it effectively , going through the inspection processes , and receiving a timely market evaluation . Please feel free to browse through our site to explore Denver Real Estate , Littleton Real Estate , Highlands Ranch Real Estate , Rocksborough Real Estate , Lakewood Real Estate , Englewood Real Estate , Aurora Real Estate , and Golden Real Estate , Broomfield Real Estate, Westminster Real Estate, Thornton Real Estate, Arvada Real Estate, and all Arapahoe County homes for sale . Thanks for visiting RonYost.com, your online real estate source. Please bookmark this site for future reference, and ENJOY! Mortgage Center : Click here for all your mortgage needs For Seller Information For Buyer Information HOME & COMMUNITY RESOURCE CENTER CLICK ANY LINK BELOW... Community Info , Area Attractions , Local Restaurants , Movies , Weather , More... Change of Address Form , 10 Most Forgotten Items , Moving Checklist , After Your Move , More... 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BigRon@RonYost.com (303) 638-1497 Contact Ron - About - Featured Listings - Search for Homes - Free Reports Favorite Links - Apply Online - School Info - Community Links Dream Home Finder - Resource Center - Your Home's Value - Local Partners Link Partners - Link to Ron - Useful Tools - Real Estate News - Buyer Tips - Seller Tips Denver Real Estate - Littleton Real Estate - Highlands Ranch Real Estate This site features Denver County Real Estate , Jefferson County Real Estate, Arapahoe County Real Estate, Douglas County Real Estate , Adams County Real Estate , and homes for sale , town homes for sale, condos for sale , land for sale, and other real estate for sale in Denver , Littleton, Highlands Ranch , Aurora , Lakewood, Arvada, Westminster , Broomfield , Thornton , Englewood , Rocksborough , Golden , Englewood and neighboring communities. Search this site for homes for sale in the Denver Metro Area communities including Denver , Littleton, Highlands Ranch , Aurora , Lakewood , Arvada , Westminster , Broomfield , Thornton , Englewood, Rocksborough , Golden , Englewood , and find the home of your dreams! Ron Yost has over 22 years experience serving both buyers and sellers needs throughout the Denver Area. . Specialzing in Denver Real Estate , Littleton Real Estate , Highland Ranch Real Estate You are the 158,201st visitor to my website. Web Site Design and Hosting Provided By: Advanced Access © 1998-2005
Real Estate Broker Won't
Smartmoney.com: Consumer Action: Ten Things Your Real Estate Broker Won't Tell You Thursday December 29, 2005 3:28 PM ET U.S. Markets close in: :32 Search (choose an option below) Quote Charting Earnings Ratings Competition Financials Profile Key Statistics Insiders Site Search News (Enter Symbol) advanced search SmartMoney Select My Portfolio Tools Maps Stocks Advanced Trading Funds ETFs Personal Finance Autos Career Journal College Planning Debt Management Health Care Insurance Life LTC Insurance Real Estate Retirement Tax Guide Economy & Bonds Small Business SmartMoney TV SmartMoney Magazine SmartMoney University Business Travel Technology SmartMoney Mobile Holiday Survival Guide Select Homepage Stock Screener Market Map 1000 Fund Screener Stock Compare Fund Map 1000 Fund Compare XStream Quotes More... 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Editor's Picks Features Ten Things Real-Life Index Advertisement 4.25% APY with hsbcdirect.com Online Savings. Earn 8X the national savings average and make money into big money. No minimums. No monthly fees. Member FDIC. Email This Story Print This Story Save This Story Send Us Your Comments Add this column to your News Alerts (New!) 1. "Your open house is really a party for me." Hire a real estate broker to sell your home and one of the first things he'll likely suggest is hosting an open house, so potential buyers can casually check out your property on a weekend afternoon. While open houses are promoted as a great way of finding a buyer, a National Association of Realtors study found that their success rate is a mere 2%. No matter. Having an open house serves another important purpose — for the broker. "It gives him a database of clients," says Sean McNeill, an independent real estate broker based in New York City who says that he doesn't like open houses, preferring to match clients with appropriate buyers. "At open houses, you get all kinds of people walking in. Some are [trying] to see how much they should sell their own places for; others just want to get a look at what's out there." All are perfect pickings for a broker looking to increase his roster of buyers and sellers. "Think about it," McNeill says. "The broker is devoting a couple hours of a weekend. He won't do that unless it helps him in a big way." 2. "My fees are negotiable." Brokers like to make it sound as if their fees are engraved in stone, but that's rarely the case — especially in a brisk market, when brokers fiercely compete for properties they can unload fast. This past summer one broker in the Midwest says he lowered his fee by a full percentage point because there was so much demand for good properties that he needed leverage. Indeed, says the broker, who asked not to be named, sellers should shop around for broker's fees. He suggests these negotiating tactics: "If somebody's willing to commit to me for selling one place and buying another, I give a discount. If you're in a particularly desirable neighborhood with a house that will bring a lot of traffic" — say, at an open house — "that can be used, because the broker will use the flow of people to get potential customers. And with some [smaller] brokers, all you need to do is ask and they'll lower the commission." 3. "Think you've had no offers? Actually, there've been several." Legally, the broker you hire to sell your home is obligated to tell you about all offers that come in. In reality, some don't. Perhaps he thinks the offer is insultingly low for you, but more likely, "the broker thinks it's too low for his own purposes. He wants to hold out for a bigger commission," says McNeill. Or else there's an outside broker (or "co-broker") circling your house, and the primary broker is waiting for one of his own clients to make an offer so he can keep the full 6% to himself. "You must be clear with your broker that you want to be informed of all offers," McNeill says. "Otherwise, you may be leaving him to make decisions that you should be making." Check the listing agreement drawn up when you hire the broker; if the promise to disclose all offers isn't listed explicitly, insist that it be added. 4. "I talk about you behind your back." You spot your dream house as you're driving through a neighborhood and call the broker listed on the For Sale sign. That's how a lot of buyers stumble on a broker — who, in turn, happily shows you other houses, asking about your needs, laughing at your jokes. It's easy to get loose-lipped and forget whom you're dealing with: someone else's agent. "Legally, brokers are obligated to provide their sellers with any information that can help them get the best prices for their homes," says Stephen Israel, president of Buyer's Edge, a Bethesda, Md.-based company that represents homebuyers. "If you tell the broker that you're willing to pay $500,000 but want to offer $450,000, they'll pass that on to the seller. They have to." Also, some brokerage companies encourage prospective buyers to get preapproved for loans. While that can make a buyer more attractive to a lender, it also tells a broker whether a buyer can afford a $600,000 house when he's trying to haggle on a $400,000 property. "When somebody asks for [a preapproval], find out who they're representing," says Israel, acknowledging that such details can short-circuit your negotiating leverage. "If they represent a seller — or someone in their office does — they shouldn't have it. The broker may tell you she will be impartial, but how can she be?" 5. "Sometimes I forget whose side I'm on." The past 10 years have seen the proliferation of the buyer broker, agents who are supposed to work strictly in the buyer's interest, helping him get a fair price on a home as well as avoid pitfalls along the way. Unfortunately, things don't always unfold so nicely. While buyers may think they're getting a broker who isn't commission-hungry, many buyer agents are just that: They usually get about 3%, the same amount any broker typically earns when he gets involved with another agent's listing. "Buyer brokers are sometimes too focused on closing the sale and getting that commission," says Max Gordon, an Overland Park, Kan.-based real estate broker and attorney, so it's often in their best interest to see you pay as high a price as possible. Even worse, some brokers who call themselves buyer advocates are actually working for companies that also represent sellers. "Brokerages offer bonuses to buyer agents if they sell an in-house listing," says Israel. A good way to get a broker who has no such conflicts of interest: The National Association of Exclusive Buyer Agents, whose Web site (www.naeba.com) can help you find a buyer agent near you who pledges to help you get the best deal possible and has no ties to sellers' agents; many even work on a fee structure rather than on commission. Page 1 | 2 Consumer Action Archive To license this content, click here ADVERTISEMENTS Click here to get your FREE report -- The Motley Fools´ 2 Top Picks. Receive a $50 Hyatt Gift Card.Book online using your American Express Card Get 4.25% APY at hsbcdirect.com. Earn 8X the national savings average. Learn about every move Jim Cramer makes before he acts. Learn options trading at a free workshop in your area! Top 10 Breakthrough Stocks for 2006 Yours Free!. $7 stock trades. Open a Scottrade account with just $500. Apply online FREE Options Tip 1: AVOID an option´s last month.Get 4 more here-free! Learn how to stay connected to your customers. Free guide at: See how Sprint Business has helped the PGA move forward. Capital One High Yield Savings - 4.00% APY. Earn More Now! New! SmartMoney Mobile. Stock quotes, market news and more on your mobile phone. Click here and find out all about The Trump Way to Wealth. Customer Service | Magazine Customer Service | Subscribe to SmartMoney Magazine | Your Profile | Contact Us Corrections | Custom Publishing | License Our Content | Media Kit | Press Room | SmartMoney.com © 2005 SmartMoney. 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