Texas Land Trust Conference

TPWD: News Release: Feb. 2, 2004: TPWD To Host 2004 Texas Land Trust Conference Maincontent Local Navigation Supplemental Information print friendly search Regulations Publications Outdoor Learning Kids Game Warden Grants Get Involved Shop FAQ Calendar Español Experience Texas Fishing & Boating State Parks & Destinations Hunting & Wildlife Land & Water Doing Business Home News & Media Releases TPWD Media Links: Texas Parks & Wildlife Magazine Texas Parks & Wildlife Television Program Passport To Texas Radio Program TPWD News Releases Boating Fishing Game Warden Field Notes Hunting Weekly Migratory Bird Hunting Reports State Parks and Destinations News Roundups News Images Radio News Calendar Plain Text: Plain text versions of TPWD news releases are provided for copying and pasting into editing software. To copy text into an editing software: Click a Plain Text link to display the plain text page in your browser. Select all. Copy. Paste in a document in your editing program. If you have any suggestions for improving these pages, send an e-mail to webtech@tpwd.state.tx.us and mention Plain Text Pages. News Releases Note: This item is more than a year old. Please take the publication date into consideration for any date references. Plain Text Media Contact for This Release: Tom Harvey, (512) 389-4453, tom.harvey@tpwd.state.tx.us Feb. 2, 2004 TPWD To Host 2004 Texas Land Trust Conference AUSTIN, Texas – With each passing year, Texans trade in open ranges, grasslands and rivers for strip shopping malls and concrete parking lots. But landowners have other choices for the use of their wide-open spaces, even in a slow economy. The 2004 Statewide Land Trust Conference hopes to offer a few more conservation-friendly options for open lands. Common Ground, Gaining Ground: Tools for Shaping the Texas Landscape on Feb. 27-28 in Austin will offer participants training for land conservation, networking opportunities and meetings with state and federal agencies. Carolyn Vogel, with the Texas Land Trust Council at the Texas Parks and Wildlife Department, encourages attorneys, appraisers, private landowners, and those involved in land trusts to attend. Vogel said when land is passed down through a family, it often is split up through fences or partitions, which can harm the natural movement of wildlife. Sometimes the inherited property is too small to live off of, and parcels are sold off. Development affects water quality and the ecosystem. “A lot of landowners feel they are backed against a wall,” Vogel said. “The only thing they can do is sell since the land can no longer support them. Texas loses more farmland every year, (about 283 square mile), than any other state in the country.” Landowners, their advisors and the conservation community will come together at the 2004 conference to learn about the range of assistance available to them. This includes technical and financial assistance programs and potential tax incentives. These tax incentives will be discussed as part of an all-day conservation easement workshop on Friday, Feb 27. Another topic will be a recent study by the American Farmland Trust and Texas A&M University called Texas Rural Lands: Trends and Conservation Implications for the 21 st Century. A session and workshop will discuss findings about how and why open land is disappearing and what the future may look like. Continuing education credits in several fields are pending. Early registration by Feb. 6 is $65 for Texas Land Trust Council members and $85 for non-members. After that date, the fee is $100. For more information about the conference, contact Susan Harris at (512) 389-4961 or by e-mail at susan.harris@tpwd.state.tx.us or download a brochure (http://www.tpwd.state.tx.us/conserve/tltc/bulletinboard/). SA 2004-02-02 Contact Us | Help | Accessibility | Media | Site Policies | Complaints | Intranet | State of Texas | TRAILS Search | TexasOnline | Compact with Texans Texas Parks and Wildlife Department , 4200 Smith School Road, Austin, TX 78744 Toll Free: (800) 792-1112, Austin: (512) 389-4800 Content of this site © Texas Parks and Wildlife Department unless otherwise noted. Last modified: December 27, 2005, 3:47 pm

Real Estate Prices

MONEY Magazine: Your Home 2005: The 100 Major Markets - Jun. 1, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | The 100 Major Markets While currently hot real estate markets may cool, don't look for many outright losers just yet. June 1, 2005: 7:01 PM EDT More real estate • Pros and cons of interest-only mortgages • How much house can you afford? NEW YORK (MONEY Magazine) - Home prices across the country will likely keep rising over the next year. While many hot markets on both coasts could see a dramatic slowdown in their growth rates, the forecasters at housing research firm Case Shiller Weiss aren't predicting outright losers anywhere. Nationally, home values climbed 14 percent last year, or nearly double the 8 percent of 2003, when the bubble talk began in earnest. Prices are up 20 percent or more in some coastal cities, putting homes out of reach for many. In Los Angeles, for example, just 5 percent of homes sell at prices affordable to a median-income local family. Don't panic just yet, though. Any pop is unlikely to be nearly as severe as what can happen in the stock market. Local markets can drop 10 to 20 percent, but that's about as bad as it usually gets. And a crash is merely a paper loss as long as you don't need to move. Meanwhile, you get a roof over your head and, with a little luck, nice neighbors and good public schools too. Metro area Median home price 5yr change in avg home price Growth forecast to June 2006 United States $190,000 65.1% 7.1% New York/Northern New Jersey/Long Island/Connecticut    New York City $435,000 91.2% 12.6%    Nassau/Suffolk, N.Y. $440,000 92.1% 11.6%    Newark $330,000 79.0% 11.4%    Bergen/Passaic, N.J. $390,000 81.9% 11.3%    Middlesex/Somerset/Hunterdon, N.J. $318,000 87.4% 11.1%    Monmouth/Ocean, N.J. $328,000 97.0% 11.3%    Jersey City $300,000 114.2% N.A.    New Haven/Bridgeport/Stamford/Waterbury/Danbury $335,000 69.7% 9.0%    Trenton $230,000 83.4% 11.0% Los Angeles/Riverside/Orange County    Los Angeles/Long Beach $442,000 122.3% 5.0%    Riverside/San Bernardino, Calif. $329,000 137.3% 4.5%    Orange County, Calif. $610,000 126.3% 6.8%    Ventura, Calif. $550,000 122.6% 5.8% Chicago $254,000 49.6% 8.6% Washington/Baltimore    Washington $385,000 107.4% 13.9%    Baltimore $140,000 85.3% 14.2% San Francisco/Oakland/San Jose    Oakland $535,000 96.3% 13.3%    San Francisco $750,000 67.7% 13.6%    San Jose $619,000 63.0% 13.9%    Vallejo/Fairfield/Napa, Calif. $449,000 125.1% 13.8%    Santa Rosa, Calif. $500,000 107.8% 13.2%    Santa Cruz/Watsonville, Calif. $599,000 86.2% 13.0% Boston/Worcester/Lawrence/Lowell/Brockton $339,000 73.6% 8.0% Dallas/Fort Worth    Dallas $137,000 23.1% N.A.    Fort Worth/Arlington N.A. 23.5% N.A. Philadelphia/Wilmington/Atlantic City    Philadelphia $180,000 71.0% 11.7%    Atlantic/Cape May, N.J. $249,000 112.6% 9.4% Detroit/Ann Arbor/Flint    Detroit $160,000 24.3% 4.3%    Ann Arbor $225,000 28.1% 1.2% Houston $136,000 25.2% N.A. Atlanta $188,000 25.2% 6.4% Miami/Fort Lauderdale    Miami $240,000 106.1% 15.3%    Fort Lauderdale $257,000 105.8% 16.3% Phoenix/Mesa $190,000 53.1% 17.7% Seattle/Tacoma/Bremerton    Seattle/Bellevue/Everett $315,000 38.1% 9.1%    Tacoma, Wash. $212,000 36.9% 4.2% Minneapolis/St. Paul $225,000 63.2% 7.4% Cleveland/Akron    Cleveland/Lorain/Elyria $153,000 20.0% 4.3%    Akron $148,000 17.5% 0.7% San Diego $554,000 138.3% 5.9% St. Louis $129,000 38.1% N.A. Tampa/St. Petersburg/Clearwater $172,000 70.8% 14.7% Pittsburgh $108,000 31.1% N.A. Denver $250,000 33.3% 6.0% Cincinnati/Hamilton    Cincinnati $172,000 18.9% 4.0%    Hamilton/Middletown, Ohio $182,000 20.5% 3.2% Portland, Ore./Vancouver $226,000 36.6% 9.8% Sacramento/Yolo    Sacramento $376,000 131.1% 17.1%    Yolo, Calif. $379,000 140.9% 17.4% Kansas City, Mo. $149,000 30.8% N.A. Orlando $195,000 60.6% 14.3% Indianapolis $113,000 18.8% N.A. San Antonio $123,000 24.8% N.A. Norfolk/Virginia Beach/Newport News $168,000 60.9% N.A. Las Vegas $285,000 107.0% N.A. Columbus, Ohio $172,000 22.7% 3.7% Milwaukee/Waukesha $199,000 40.5% N.A. Charlotte/Gastonia/Rock Hill, N.C. N.A. 19.1% N.A. Salt Lake City/Ogden $155,000 -0.2% 0.0% Austin/San Marcos $151,000 24.9% N.A. Nashville $139,000 19.3% 6.4% Providence/Warwick/Pawtucket $257,000 111.7% 17.7% Raleigh/Durham $186,000 18.9% N.A. Hartford $228,000 54.1% 8.9% Buffalo/Niagara Falls $95,000 27.00% N.A. Memphis $126,000 11.5% 3.2% West Palm Beach/Boca Raton, Fla. $282,000 98.0% 21.0% Jacksonville, Fla. $154,000 57.4% N.A. Dayton/Springfield, Ohio $135,000 15.1% 0.3% Fresno $243,000 129.1% N.A. Tucson $179,000 46.6% 8.5% Albuquerque $146,000 13.3% 1.4% Knoxville $121,000 27.3% 7.0% Bakersfield, Calif. $195,000 114.1% N.A. Toledo $124,000 19.7% 0.6% Youngstown/Warren, Ohio $90,000 15.0% 1.8% Springfield, Mass. $182,000 64.1% 10.5% Sarasota/Bradenton $229,000 83.5% 17.0% Stockton/Lodi, Calif. $370,000 126.9% 21.8% Daytona Beach, Fla. $153,000 79.9% 22.0% Lakeland/Winter Haven, Fla. $133,000 46.5% 9.8% Johnson City/Kingsport/Bristol (Tenn./Va.) $90,000 16.2% 4.8% Lansing/East Lansing $134,000 33.0% 2.9% Modesto, Calif. $305,000 140.5% 15.2% Fort Myers/Cape Coral, Fla. $124,000 92.1% 15.1% Canton/Massillon, Ohio $129,000 16.7% 2.2% Salinas, Calif. $526,000 136.2% N.A. Santa Barbara/Santa Maria/Lompoc $445,000 147.9% N.A. Visalia/Tulare/Porterville, Calif. $190,000 86.1% N.A. Fort Pierce/Port St. Lucie, Fla. $280,000 99.8% 13.7% New London/Norwich, Conn. $226,000 71.9% 6.3% Naples, Fla. $300,000 109.3% 22.4% San Luis Obispo/Atascadero/Paso Robles, Calif. $475,000 137.7% 11.3% Merced, Calif. $270,000 126.2% 16.6% Clarksville/Hopkinsville (Tenn./Ky.) $95,000 15.3% 4.2% Chico/Paradise, Calif. $250,000 119.6% 15.2% Burlington, Vt. $226,000 62.7% 7.8% Barnstable/Yarmouth, Mass. $369,000 115.7% 5.6% Punta Gorda, Fla. $154,000 98.1% 17.5% Pittsfield, Mass. $165,000 57.8% 11.1% NOTES: Data as of 2004 unless otherwise noted. N.A.: Not applicable or not available. SOURCES: Fiserv CSW, U.S. Census Bureau, U.S. Department of Housing and Development, National Association of Realtors. «top» The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Real Estate or Create your own Manage alerts | What is this?

Foreclosure Property Investor's Kit

Amazon.com: The Pre-Foreclosure Property Investor's Kit : How to Make Money Buying Distressed Real Estate -- Before the Public Auction : Books: Thomas Lucier Your Store Books See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Subjects | Bestsellers | The New York Times® Best Sellers | Magazines | Corporate Accounts | Amazon Shorts | Bargain Books | Used Books | Textbooks Search Amazon.com Books Web Search or Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . More Buying Choices 30 used & new from $11.59 Available for in-store pickup now from $19.95 Price may vary based on availability Enter your ZIP Code: Have one to sell? See larger image Share your own customer images Search inside this book The Pre-Foreclosure Property Investor's Kit : How to Make Money Buying Distressed Real Estate -- Before the Public Auction (Paperback) by Thomas Lucier (110 customer reviews) List Price: $19.95 Price: $13.57 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $6.38 (32%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Only 4 left in stock--order soon (more on the way). 30 used & new available from $11.59 Return to buying info page Editorial Reviews Review "…the best…" and "…well written…. On my scale of one to 10, this outstanding new book rates an off-the-chart 12." (Robert J. Bruss, Nationally syndicated columnist) Review "This is the best of the many how-to-profit-from-foreclosure books. It is well written, ultra-complete, and packed with more details than readers will need. The worksheets are invaluable to simplify what can otherwise be a complicated business. On my scale of one to 10, this outstanding new book rates an off-the-chart 12." --Robert J. Bruss, Nationally syndicated columnist. Book Description Pre-foreclosure real estate is one of the hottest investment opportunities on the market. The Pre-Foreclosure Property Investors Kit offers step-by-step instruction and no-nonsense advice on how to find great deals, estimate fair market value, negotiate with sellers, sell your property on your own, and win big in real estate. Youll learn how to get the best deals on foreclosure properties before they go to auction and utilize simple ready-made worksheets, checklists, forms, and agreements that make getting started easy. Even people of modest means can get into pre-foreclosure investing—all it takes is a little hard work, persistence, and the tools youll find in this handy guide. From the Back Cover "This is the best of the many how-to-profit-from-foreclosure books. It is well written, ultra-complete, and packed with more details than readers will need. The worksheets are invaluable to simplify what can otherwise be a complicated business. On my scale of 1 to 10, this outstanding new book rates an off-the-chart 12." —Robert J. Bruss, nationally syndicated columnist A practical toolkit for making money on pre-foreclosure properties One of the most lucrative avenues for investors today is pre-foreclosure real estate; investors who are organized, informed, and persistent can make a bundle. But if you start investing without the proper knowledge and tools, you could lose your shirt. With step-by-step instructions and practical, no-nonsense advice, The Pre-Foreclosure Property Investor's Kit shows readers how to make even more money by finding foreclosure properties before they go to auction—beating the competition to the punch. Plus, this comprehensive resource is full of ready-to-use worksheets, letters, checklists, forms, and agreements that make getting started easy. You'll learn: How to make as much as $60,000 per year investing part-time Why NOW is a great time to get started in pre-foreclosure investing How to use foreclosure notices to find local properties How to use direct mail to contact property owners in default How to estimate the current market value of properties Everything you need to know about your state's foreclosure statutes Most people think that investing in real estate requires a giant bank account and a perfect credit score. But with pre-foreclosure investing, even people of average means can get into the game—all it takes is a little hard work, persistence, and the helpful tools you'll find in The Pre-Foreclosure Property Investor's Kit. About the Author THOMAS J. LUCIER has been a real estate investor since 1980. An active member of both the National Association of Real Estate Editors and the Real Estate Educators Association, he is a widely published real estate expert whose advice has appeared in such publications as the Wall Street Journal and Commercial Investment Real Estate magazine Return to buying info page 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. Product information is incorrect. Propose corrections using our Online Catalog Update Form . The page contains typographical errors. The page takes too long to load. The page has a software bug in it. 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Sell House

Selling Houses from Channel4.com/4Homes E4 More4 FilmFour FourDocs TV Listings Site A-Z NEWS FILM HOMES LIFE ENTERTAINMENT HISTORY SCIENCE COMMUNITY SHOP SPORT CULTURE CARS MONEY VIDEO LEARNING HEALTH MUSIC GAMES Home Welcome News On TV Grand Designs Grand Designs Abroad Previous Houses Features Information Streets Ahead Property Ladder Location, Location Relocation, Relocation Home from Home City Gardener Selling Houses Room for Improvement Up Your Street Making Space A Place In The Sun The Great Garden Challenge Home or Away A Place in France A Place in Greece A Place in Greece House Auction More Programmes Presenters TV Listings Buying & Selling Where to Buy How to Buy How to Sell Special Cases House Price Index Renting Property Search DIY & Building Guides Building a House Ask the Expert Style Design Guides Features Living Rooms -- Bedrooms -- Kids Rooms -- Storage solutions -- Dining Rooms -- Home Office -- Hall -- Outdoor Living -- Period Styles -- Buying Abroad Country Guides Features Property of the Week Chat, Vote & Win Vote Win Forum -- Newsletter Forum Profit from Property Buy to Let Property Development Money Deals SEARCH All 4Homes: On TV Buying & Selling Renting Property Search DIY & Building Style Buying Abroad Chat, Vote, Win Profit from Property SELLING HOUSES In this new six-part series of Selling Houses no-nonsense estate agent Andrew Winter takes homeowners to task as they struggle with the nation's hard-to-sell homes, from listed buildings to ex-council houses. And this time he's reprimanding the estate agents as well as the homeowners. This Week Ian and Kim Saunders were so confident they'd sell their four-bedroom house in Tongham in Surrey for £435k that they cashed in their equity to release £100,000 as a down payment on a brand new villa in Spain. Now they're in trouble. They're still stuck on the market after 16 months, despite slashing their price to £400k. Andrew tells Kim she's pushing it "getting pets to actually co-ordinate with your sponge-effect wall" and discovers their agent's always known their décor was a problem, but didn't have the heart to tell them. Gallery See the dramatic change Suppliers Want some of what they got? Selling Tips Expert advice on how to sell your house Ask The Expert Submit your questions to our resident Selling Houses guru, Andrew Winter Related Features Appear On TV Fancy a visit from Andrew and City Gardener, Matt James? How To Sell How to get the best price for your home Choosing An Estate Agent How to choose the best person to sell your house Psychology of Estate Agents There are four types of estate agent - which one is yours? Previous Episodes Revisit some classic episodes UK PROPERTY SEARCH Over 150,000 homes Type a location: Price range: Min Price £0 £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 Max Price £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 £10,000,000 Min bedrooms: Min Beds 1 2 3 4 5 6 New homes only FEATURE Profit from Property How to pick a property that's ripe for development GRAND DESIGNS CD ROM A comprehensive 'info tool' for anyone looking to renovate their dream home ON TV Your Favourite Property Shows Find out more about your favourite shows and presenters About C4 | Jobs | Text Only | Access Advice | Contact Us | Terms and Conditions | Privacy | Help | Online Ad Sales

Real estate Prices Category:

Google Answers: Real estate Prices Log in | Google Answers Home View Question Ask a Question Q: Real estate Prices ( Answered , 2 Comments ) Question Subject: Real estate Prices Category: Business and Money > Economics Asked by: refixer-ga List Price: $4.00 Posted: 23 May 2002 09:00 PDT Expires: 30 May 2002 09:00 PDT Question ID: 17671 Out of Northern California, Oregon, and Washington, what are the topfive cities for greatest home price appreciation of existing homes?(Not new homes) Answer Subject: Re: Real estate Prices Answered By: xemion-ga on 23 May 2002 09:32 PDT Rated: The top five locations in the US by home price appreciation are all inCalifornia. I'm not sure if they're all "Northern" California. Mostof them are located around San Fransico.1. Stockton-Lodi, CA 23.5%2. Modesto, CA 21.4%3. Salinas, CA 21.2%4. Santa Rosa, CA 18.3%5. Vallejo-Fairfield-Napa,CA 17.4%This data came from: http://www.homestore.com/Finance/HousePriceIndex/TopFive.asp?gate=homebuilder Outside of those five, the top five cities in the area you specifiedare:1. Chico-Paradise, CA 14.8%2. Redding, CA 9.6% 3. Medford-Ashland, OR 9.3% 4. Bremerton, WA 8.4% 5. Tacoma, WA 7.7% This date came from: http://www.homestore.com/Finance/HousePriceIndex/msa_ranking329.asp?gate=homebuilder For some reason, the links on that website do not work properly. Theyhave some sort of ASP error. However, you can see the cities andtheir appreciation rating.You should be able to look the HPA value by City/State at the belowwebsite, but it also gives an error. You may want to check back inthe future. They will probably have fixed the errors. http://www.homestore.com/Finance/HousePriceIndex/default.asp?gate=homebuilder Please note that this data is all based on the Home Price Index, whichis published by the government. The current reports show home priceappreciation through the second quarter of 2001.I found this information by searching Google from "home priceappreciation". Thanks for using Google Answers!Xemion Request for Answer Clarification by refixer-ga on 29 May 2002 13:48 PDT How long will this answer be posted on this site? Will I be chargedanything if I don't ask any questions? Thanks, Tom Clarification of Answer by xemion-ga on 29 May 2002 14:46 PDT Honest, I don't know how long your question will be here. The FAQdoes not say. I would assume that it be here for a long long time ifyou bookmark it. I suggest e-mailing answers-support@google.com for amore definitive answer.As for your other question ("Will I be charged anything if I don't askany questions?"), I'm not quite sure what you're asking. If you haveany questions with my answer to your HPA question you are can ask forclarification. There is not further charge for clarification.If you want to ask a new question on a different subject, you have tocreate a new question and you will be charged for that answer.On a side note, if you're happy with the answer I've given, I wouldgreatly appreciate a positive rating from you. This helps my standingin the Google Answers community. Thank you!xemion-ga refixer-ga rated this answer: Comments Log in to add a comment Subject: Re: Real estate Prices From: johnjohn-ga on 23 May 2002 14:57 PDT I live in Vacaville CA, which was mentioned on the list. A 2,000sqFeet house runs arround $300,000. Subject: Re: Real estate Prices From: bc94bbb-ga on 09 Mar 2005 10:47 PST For Quality of Living and a High Appreciation Rate, Try thePleasanton, CA Area. Prices start at $600,000 for a Single Familyfixer-upper and rising rapidly, most Homes increased at least $70,000last year alone. Try http://www.Pleasanton-Houses.com to search forReal Estate in that area. Important Disclaimer: Answers and comments provided on Google Answers are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Google does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. Please read carefully the Google Answers Terms of Service . If you feel that you have found inappropriate content, please let us know by emailing us at answers-editors@google.com with the question ID listed above. Thank you. Search Google Answers for all questions answered questions unanswered questions Google Home - Answers Help & Tips - Answers FAQ - Terms of Service - Privacy Policy ©2005 Google