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By submitting your request you agree to be contacted in accordance with Secure Rights Privacy Policy . View Secure Rights licenses . Paid Advertisement Article Home Loans Bring Would-Be Homeowners Closer to their Goal If you’re looking to buy a house, it’s unlikely that, in today’s economy, you’ll be able to pay in full up front. That’s why home loans exist – to aid aspiring homeowners in acquiring and financing the homes they’ve dreamed of – without bankrupting them in the process. Home loans can be acquired through banks and home loan companies. Either route you take, you’re entitled to personal service by a representative who will review your finances, credit report, and help you decide which is the best home loan solution for your needs. In order to gather all the information they need, the bank or loan company will re-appraise the market value of your house to determine the proper loan amount. You will then work together to go over the different loan options available and determine which is best for your personal situation. Different Home Loans for Different Folks There are two main types of home loans , each with its own advantages. Fixed-rate loans divide the amount to be repaid over a set number of years. “Fixed rate” means that no matter how the interest rate fluctuates over the years, the amount of payment will remain the same. If the interest rate dips, your mortgage consultant will help you refinance to take advantage of the lower rate. In contrast, adjustable rate mortgages (ARMs) are dependent on the fluctuation of the interest rate over time. When the rate is low, payments are low, but when interest rates are high, the payment increases also. ARMs are slightly easier to qualify for than fixed-rate loans, but they also carry more risks. When you are choosing a home loans company, take into consideration the additional “home loan origination fee” (usually 1% of the total amount borrow, so if you borrow $100,000, the fee is $100), as well as closing, settlement and appraisal fees. Most companies will allow you to “roll” these fees into your home loan, an excellent option that allows you to pay them over time if you don’t have the funds to pay up front. When you’re ready to move forward with a home loan, or if you’d just like to start exploring your options, submit the form at the top of this page to acquire your own mortgage consultant to help you get started with the mortgage process and explain which home loans might be best for you. ^ Paid Advertisement Article ^ Ad Information        Forbes.com Wireless        Reprints / Permissions        Subscriber Services        ©2004 Forbes.com™      All Rights Reserved       Privacy Statement        Terms, Conditions and Notice Search Engine Marketing by 360i, Inc.

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Amazon.com: Home for the Holidays: DVD: Holly Hunter,Robert Downey Jr.,Anne Bancroft,Charles Durning,Dylan McDermott,Geraldine Chaplin,Steve Guttenberg,Cynthia Stevenson,Claire Danes,Emily Ann Lloyd,Zack Duhame,Austin Pendleton,David Strathairn,Amy Yasbeck,James Lecesne,Angela Paton,Randy Stone,Sam Slovick,Susan Lyall,Shawn Hatosy,Jodie Foster 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! Thanksgiving Movies & Spec... : A list by Jakki 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 59 used & new from $8.78 Available for in-store pickup now from: $14.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Home for the Holidays (1995) Starring: Holly Hunter , Robert Downey Jr. Director: Jodie Foster Rating: See larger image Share your own customer images List Price: $14.94 Price: $9.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.95 (33%) 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 59 used & new available from $8.78 Edition: Other Versions and Languages Other Versions (VHS Tape) List Price Price Other Offers: VHS Tape Home for the Holidays $19.98 26 used & new from $3.00 VHS Tape Home for the Holidays $9.94 10 used & new from $3.97 Other Versions (Audio CD) Audio CD Home for the Holidays $11.98 15 used & new from $5.95 Better Together Buy this DVD with The Ref DVD ~ Denis Leary today! Total List Price: $24.93 Buy Together Today: $16.98 Customers who bought this DVD also bought The Ref DVD ~ Denis Leary Mixed Nuts DVD ~ Steve Martin National Lampoon's Christmas Vacation (Special Edition) DVD ~ Chevy Chase Once Around DVD ~ Richard Dreyfuss Explore Similar Items : in DVD , in Music , and in Video Storyline Genres: Comedy , Drama , Romance Tagline: On the fourth Thursday in November, 84 million American families will gather together... And wonder why. Plot Synopsis: After losing her job, making out with her soon to be ex-boss, and finding out that her daughter plans to spend Thanksgiving with her boyfriend, Claudia Larson has to face spending the holiday with her family. She wonders if she can survive their crazy antics. Plot Keywords: Dysfunctional Family | Dysfunctional | Christmas | Family | Homosexual | Thanksgiving | Acceptance | Argument | Holiday | Farting Scene | Gay Interest | Mother Daughter Relationship | (Show all 15 plot keywords recommended by customers) Product Details Actors: Holly Hunter , Robert Downey Jr. , Anne Bancroft , Charles Durning , Dylan McDermott , See more Directors: Jodie Foster Format: Closed-captioned, Color, Subtitled, Widescreen, Ntsc, Widescreen Anamorphic Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Aspect Ratio: 1.85:1 Number of discs: 1 Rated: Studio: MGM (Video & DVD) DVD Release Date: September 4, 2001 Run Time: 103 minutes Average Customer Review: Based on 85 Reviews DVD Features: Available Subtitles: Spanish, French Available Audio Tracks: English (Dolby Digital 5.1), French (Dolby Digital 2.0 Stereo), Spanish (Dolby Digital 2.0 Stereo) Audio commentary From IMDb: Quotes & Trivia ASIN: B00005LOKR Amazon.com Sales Rank: #1,183 in DVD Theatrical Release Information US Theatrical Release Date: November 3, 1995 MPAA: for thematic material, language and brief drug use. Production Company: Egg Pictures, Paramount Pictures, PolyGram Filmed Entertainment USA Box Office: $18 Million Filming Locations: Baltimore, Maryland, USA| Los Angeles, California, USA Editorial Reviews Amazon.com Holly Hunter plays a Chicago-based single mom who--on the day before Thanksgiving--loses her job and is informed by her daughter of the latter's intention to surrender her virginity while on a weekend-long affair. If that's not enough, Hunter's character then has to fly to Baltimore to join her fractious family for another difficult Thanksgiving. Robert Downey Jr. is terrifically charming as her prankish, gay brother, and Anne Bancroft and Charles Durning show plenty of comic resilience during the predictably interesting Thanksgiving dinner scene. The script by W.D. Richter ( Brubaker ) avoids the usual clichés in family dramas--the deepest, darkest secret revealed here involves the painfully sweet revelation of a 40-year-old crush. Jodie Foster, directing her second feature, focuses instead on the inevitable softening of old grudges and disappointments with time. This is a wise as well as wonderfully fun movie. --Tom Keogh Customers who viewed this DVD also viewed Scrooged DVD ~ Bill Murray A Christmas Story (Full Screen Edition) DVD ~ Yano Anaya Living Out Loud DVD ~ Holly Hunter Pieces of April DVD ~ Katie Holmes Explore Similar Items : in DVD , in Music , and in Video Spotlight Reviews Write an online review and share your thoughts with other customers. 22 of 23 people found the following review helpful: Going home again , December 1, 2002 Reviewer: J.A.H. "Poetlinus" (Virginia) - See all my reviews "Home for the Holidays" is a quiet, fun little film that I dust off once or twice a year (usually around Thanksgiving!) and sit back and absolutely enjoy. It's become a comfort film for me, one of honesty, predictability, and enjoyment. It's a wonder more people haven't discovered this mini-classic. Holly Hunter plays Claudia, a forty year old woman forced to endure calamity after calamity on her way to her parent's house for the Thanksgiving holiday. Hunter has her role sewn up from the moment we see her; she encapsulates Claudia and makes her very real as she is conforted with mini-nightmares. These problems plague her, only to define her life as unrealized, possibly misdirected. That Hunter refuses to play her as a sack sad, or someone pitiful, is a testament to her understanding of Claudia. The script avoids usual the "family cliches" by showing us a dysfunctional family that functions quite well. Gay brother Tommy, so perfectly mastered by Robert Downey Jr., always the family clown, removes his "make-up" and shows incredible sensitivity when he rescues his sister from her holiday horror. Dylan McDermott charms his way quietly as Leo Fish, and you believe his sincerity towards Claudia. Cynthnia Stevenson and Steve Guttenberg rock as the high strung power couple so insistent on perfection in their imperfect lives. And the wonderful Charles Durning and Anne Bancroft as the parents, so beleaguered, so joyful, so real. While the performances shine, the script shines even brighter, offering little solutions with much insight. You understand Claudia's trauams, but know that none of them are resolvable within a two hour film, and that's ok. Even the ending, which suggests that even daring to dream is enough, is absolutely perfect for this film. A less experienced screenwriter would have fallen into the cliche trap and wrapped everything up in a neat bow, which this film suggests, is simply not possible. "Home for the Holidays" is a signature piece by Jodie Foster, one that people who enjoy a truly good film won't be there to pass up. I hope Foster follows up by directing more classics such as this; American cinema would be better for it. Was this review helpful to you? ( Report this ) 10 of 11 people found the following review helpful: Home Anyone...........??? , December 8, 2004 Reviewer: V. Marshall (North Fork, CA USA) - See all my reviews Ahhh the holidays....that wonderful time of thankfulness, love and laughter, NOT!!! This movie will have you in stitches each and every holiday season if you suffer from that ever present disease of dysfunctional family syndrome. Claudia Larson (Holly Hunter) is wallowing in self-pity for good reason, she was fired from her job, her daughter is about to have sex for the first time and she is traveling back home for the holidays. What more could a girl ask for, a cold? She arrives to a snowy existence and a family of little understanding. Her father Henry (Charles Durning) and her mother Adele (Anne Bancroft) are seemingly oblivious to all of the turmoil they have created and that now resides within their children. Soon the house is filled with love and lots of arguments! Gay brother Tommy Larson (Robert Downey Jr.) appears to torture the entire clan with mischief and in tow he has a co-worker/friend, Leo Fish (Dylan McDermott). And of course what family would be complete without the crazy aunt (Geraldine Chaplin) and a branch of perfection that breaks off and becomes the norm, sister Joanne (Cynthia Stevenson) and her [...] husband Walter (Steve Guttenberg). So sit back and have a toast with a perfectly normal American family for the holidays but get ready to laugh uncontrollably too! Jodie Foster directed this film about the typical dysfunctional family during the holiday season and she brings both a sensitive understanding and a full blown sense of humor to this holiday table. Holly Hunter is really wonderful as the hopeful but often misunderstood sister in a clan of crazies. Despite his drug induced performance, Robert Downey Jr. is perfectly cast as the troubled brother with secrets to protect from a family that can't accept modern life. Dylan McDermott is the pretty boy of the film but offers much more than a cute mug in his role as the charming outsider. Charles Durning and Anne Bancroft are brilliant as clueless parents who are stuck in the roles they took upon themselves many years ago; both are unknowingly hilarious just like most parents who prefer to keep their eyes closed. Cynthia Stevenson is great as the perfectionist sister that seems to lurk about in every family and marries a nerd so that she can pretend to be happy. But the true scene stealer of this film has to be Geraldine Chaplin as crazy but oblivious Aunt Gladys, you cannot watch her performance and not fall on the floor in hysterics! Overall this is the perfect holiday movie to bring good cheer where little may truly exist.....after all if you can't laugh at yourself what is the point in holiday reunions, isn't that what brings us back home year after year? Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. Home for Thanksgiving , December 20, 2005 Reviewer: Kim Possible Finicatata "Jen" (Grand Blanc,MI) - See all my reviews I also saw this in one of my classes in college.I think it was the 2nd movie we've seen. The 1st was nobody's fool.this was the 2nd. It's about a woman,who gets fired on Thanksgiving Eve,and goes home to her family on Thanksgiving. Was this review helpful to you? ( Report this ) 1 of 3 people found the following review helpful: what's the story? There is no story , November 23, 2005 Reviewer: Rottenberg's rotten book review (nyc) - See all my reviews "Home for the Holidays" is meant to be a post-modern response to years on crudely bogus holiday specials that nobody takes seriously. Somebody must have thought it was high time for a story that actually depicts the mean spiritedness that comes out whenever family gets together, and it's too cold outside to escape. Unfortunately, it's a weird dish of a story that tosses everything at you, but never comes together. Holly Hunter is Claudia, a single mom dragooned by fate to face the weekend with her parents. Forced to sexually service her boss on pain of getting fired, Claudia winds up unemployed nonetheless. Her parents are a compulsively edged-out Anne Bancroft and a terminally mellow Charles Durning - a former airline worker who watches old movies in the basement and keeps a sweet song handy in his head for when scenes get too involved. But Claudia's sibs aren't any help either - with Robert Downey Jr. as Claudia's gay brother and the cute Cynthia Stephenson playing against type as Joanne, Claudia's sister, a button-down, bad-tempered type at odds with her brother's lifestyle. The story traps them all within Durning's house - 5 characters in search of a story. Part of the problem is that the tone is so uneven, you're never sure what kind of story "Home" is meant to be - it could be a bittersweet comedy, but it's never all that funny, and the characters never suggest sufficient depth needed for a decent drama. Some parts are just too cute to be belived - including Dylan Mcdermott as a straight friend of Downey's character who will be drawn to Claudia; Geraldine Chaplin as Claudia's batty aunt Gladys; also David Straithairn as Russ, a boiler repairman having a horrible year. According to IMDB.com legend, Robert Downey Jr. went through the flick hopelessly stoned and, unable to keep him clean & sober, director Jodie Foster just ratcheted up the film's speed to match its star. Claudia's parents are very conventional, but not so much as to be intolerant of their madcap son - if you were gay, you could do worse than Charles Durning's character as your father. On the contrary, it's Joanne with her straitlaced ways that suffers being on the outs with her family and the story, suffering just about every indignity the weekend can throw at her and her dim-witted husband (Steve Guttenberg). What really kills the story is its focus on Claudia who, unemployment aside, is so otherwise normal, it's difficult to understand what she's doing there - she plays little if any part in the weird stuff that goes on that weekend, she's the main character in a story that doesn't much involve her. That said, I'm not going to outright slam the story - it's a holiday story that's watchable as long as you don't think about too much. I first caught this flick on TV around Thanksgiving about 8 years back when I lost my job, so it's a bit of a sentimental fave, and sentimentality means seldom having to ask yourself what you're watching. Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: "What's the point?" "There is no point..." , November 22, 2005 Reviewer: A viewer (NJ) - See all my reviews Ten years after I first saw it in the theatre, I'm about to pull out my DVD for my annual screenings (almost on a continuous loop) beginning a few days before and ending a few days after Thanksgiving. Who needs the Thanksgiving Day Parade when you can watch Home for the Holidays? This is one of my holiday favorites and a staple every year at Thanksgiving. The script is unique, the performances spot-on, and the soundtrack is classic (from Nat King Cole and Tom Jones to Rusted Root's impeccable cover of Evil Ways). The actors deliver spectacular individual performances, all of which are praiseworthy--- my favorite may be Robert Downey Jr's outstanding portrayal of brother Tommy, which may be my favorite role of his in any movie, Chaplin notwithstanding--- right down to the smallest roles of the beleaguered co-passengers in the airport. This movie, above all, makes me feel that our modern American family, however wacky they may be, however much our parents make us nuts, is really just that--- the modern American family. And it's okay to be wacky, because family (however it's defined) is just that. And we love them and they love us. The movie makes a point of asking "What's the point?" several times, only to be told there is none. But the point is that we keep our sense of humor, we love our family, and we accept that we'll probably never understand them-- or they us. Just have fun, have some turkey, and have some love. I love this movie. It makes a great pairing with Love Actually as Thanksgiving ends and Christmas begins, if you want to keep smiling and feel the holiday love. Happy holidays! Was this review helpful to you? ( Report this ) 3 of 4 people found the following review helpful: Enjoying the Humor of family and holidays! , October 17, 2005 Reviewer: M. Alley (Arkansas) - See all my reviews This movie is a must for those that dread the family gatherings. It touches on so many aspects of life it is amazing the movie is not 6 hours long. I recommend this for viewing all year long. Was this review helpful to you? ( Report this ) See all 85 customer reviews... Listmania! Treasured Dysfunctional Thanks... : by Invisible Lizard "ardent reade... Thanksgiving movies : by mijacogeo22 "mijacogeo22" Thanksgiving Movies & Spec... : by Jakki So You'd Like to... Enjoy Reality-based, twisted, dark Holiday Movies : by MontezumesRevenge , Victim of the perfect fantasy media family, sooo ... "See The Films Contributing To My State Of Sloth : Pt 8" : by youngrhi , "Room Filler" Know the Queens of Comedy! : by reelgood , movie critic Fun Facts from IMDb.com: Nominations Click here to see more Nominations GLAAD Media Awards: GLAAD Media Award for Outstanding Film Young Artist Awards: Young Artist Award for Best Young Leading Actress - Feature Film Trivia Click here to see more Trivia Robert Downey Jr. publicly admitted to using drugs during the making of this film, and to having great difficulty filming his scenes. Jodie Foster tried to intervene but could not. Goofs Click here to see more Goofs The whipped cream on Claudia's father's pie. Movie Connections Click here to see more Movie Connections References: Shaft | Silkwood | Jurassic Park Features: Wheel of Fortune Quotes Click here to see more Quotes Joanne : You're calling me a freak? Tommy : No, I'm calling you a product of baboon lovin'. There's a distinction. Tommy : Well, that was absurd, let's eat dead bird! 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Real Estate Agent

San Diego real estate, MLS real estate listings, San Diego County real estate San Diego real estate San Diego county real estate - San Diego homes San Diego real estate Search the San Diego MLS San Diego real estate source San Diego real estate . . .Buying, selling, relocating . .to INSURE the BEST POSSIBLE DEAL Use the expertise of Bob Schwartz, Certified Residential Specialist Cell/Pager: 619-300-8819 Home office: 619-286-5604 *This site is continually (usually twice weekly) updated. Just Listed! San Carlos - Cosmetic Fixer! SAVE TENS OF THOUSANDS 4Br./2.5Ba.+Fam. Rm 1,800+Sq.Ft. . Click Here for more info on this San Carlos home Westerly Sunset Views Value Ranged just $499,000 to $529,000 San Diego local real estate facts . Sellers - Expose your property to over 96 Times more traffic than most real estate sites! 17,341 Unique visitors in March '05 San Diego county real estate - San Diego homes San Diego real estate Search the San Diego MLS San Diego real estate news that affects you ! San Diego Neighborhood real estate activity Certified Residential Specialist --- The'inside' secret to your BEST real estate deal! San Diego Home appreciation San Diego CA real estate value growth San Diego California Population Growth San Diego Communities Real estate San Diego - Hi-Tech marketing California Real Estate Prices San Diego (92120) Average Residential Detached sales price Nov. 2005 -- $ 632,434 (Source:S.D.A.R.) Calif. median home price - Oct. 05: $538,770 (Source: C.A.R.) Calif. highest median home price by C.A.R. region Oct. 05: Santa Barbara So. Coast $1,225,000 (Source: C.A.R.) Calif. lowest median home price by C.A.R. region Oct. 05: High Desert $315,870 (Source: C.A.R.) 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Real Estate Prices ---

Google Answers: Real Estate Prices --- Leading Indicators Log in | Google Answers Home View Question Ask a Question Q: Real Estate Prices --- Leading Indicators ( Answered , 5 Comments ) Question Subject: Real Estate Prices --- Leading Indicators Category: Family and Home > Home Asked by: nronronronro-ga List Price: $25.00 Posted: 19 Apr 2005 15:33 PDT Expires: 19 May 2005 15:33 PDT Question ID: 511542 Hi There!I was goofing off today, and started looking throughwww.craigslist.com for real estate. I looked at 11 different citiesfrom San Francisco to Phoenix to Washington, D.C.Mini-Eureka moment! I noticed the number of lease-options availablehas increased significantly in each and every city. 11 of 11 towns! The last time I checked www.craigslist.com was 5 months ago.This observation sparked my rusty brain cells. There must be leadingindicators for real estate, in the same way there are leadingindicators for stocks. Here's a list of possible danger signals forreal estate off the "top of my head":1. Increasing lease-options2. Increasing number of days on the market3. Increasing number of unsold homes in a city4. Decreasing ratio of Asking Price/Transaction Price5. Increasing number of homes on the market more than 120 days6. Decreasing number of mortgage applications7. Increasing number of newspaper classified ads for real estateI'm not a real estate guy. But I'm sure some brilliant professor hasdevised a computer model to predict when real estate prices willdecline 6-12 months hence.A 5-star answer would be 5-10 additional leading indicators for realestate. No background material needed. (However, if you happen tofind an objective study on leading indicators then I would love totake a look at that, too.)All comments greatly appreciated!Thanks.ronP.S. Please note that indicators like "Forecasted Job Growth" or"Forecasted Property Tax Receipts" won't help much, precisely becausethey are forecasts and not hard data. The best indicators wouldinvolve hard numbers that can be observed right now, and used to makecomparisons.EXAMPLES:1. Days on the market for San Francisco versus days on the market for Phoenix.2. Days on the market for San Francisco in April 2005 versus days onthe market in San Francisco in January 2002.(This question doesn't involve specific numbers or specific cities. Rather, it involves the kind of indicators one might observe. Thx.) Answer Subject: Re: Real Estate Prices --- Leading Indicators Answered By: easterangel-ga on 19 Apr 2005 16:59 PDT Rated: Hi! Thanks for the question.The National Association of Realtors provides a list of real estateindicators that one can analyze to indicate some trends. Here are someof the indicators that they follow:- Existing Home Sales- Pending Home Sales Index- New Home Sales- Housing Starts- Housing Affordability- Mortgage Rates- Mortgage Applications“Latest Economic Indicators” http://www.realtor.org/Research.nsf/Pages/EcoIndicator The US Census website provides a historical basis for its leadingindicators for real estate. The statistics are from 1900 to 2002.The indicators mentioned in the Census website are the following:- New housing units started - New one family houses sold- Existing one family houses sold- Manufacturing shipments- Index of industrial production- Manufacturing index- Retail Sales- Exports Basis- General Imports“No. HS-40. Economic Indicators for Construction, Real Estate, Manufacturing,Retail, and Foreign Trade Sectors: 1900 to 2002” http://www.census.gov/statab/hist/HS-40.pdf Finally, here is an academic study about real estate prices.“Real Estate Prices and Economic Cycles” http://urbanpolicy.berkeley.edu/pdf/Q_IRER99PB.pdf Search terms used: “real estate” housing economic indicatorsstudies real estate prices filetype:pdfI hope these links would help you in your research. Before rating thisanswer, please ask for a clarification if you have a question or ifyou would need further information. Thanks for visiting us. Regards, Easterangel-ga Google Answers Researcher Request for Answer Clarification by nronronronro-ga on 20 May 2005 15:33 PDT Alas, Phil...only the women in my life are cash-flow positive. Thatis to say, they stay positive when I let the cash flow.heh heh hehThanks for your great insights, Phil. As always!ron Clarification of Answer by easterangel-ga on 20 May 2005 17:43 PDT Hi!Sorry about this but I just have to make a reply to clarifications.Sincerely.Easterangel nronronronro-ga rated this answer: Heavenly answer, easterangel.As always, thanks a million !ron Comments Log in to add a comment Subject: Re: Real Estate Prices --- Leading Indicators From: easterangel-ga on 19 Apr 2005 18:25 PDT You're welcome as well. Subject: Re: Real Estate Prices --- Leading Indicators From: pafalafa-ga on 20 Apr 2005 05:03 PDT Since we're doing some work on the house in DC, I've been paying moreattention that usual to the real estate pages of the Washington Post.One of the sort-of-indicators that they mention often is theincreasing amount of property that is bought as an investment, ratherthan as a first home. They also cite the increasing trends in2nd-home sales.For both of these though, I don't know if there's an actual statistic,or just the observation of people in the business.Nice work, though, easterangel.paf Subject: Re: Real Estate Prices --- Leading Indicators From: nronronronro-ga on 20 Apr 2005 10:52 PDT Thanks, pafalafa!My business partner just purchased a home across the street from theNational Cathedral. He obviously checked out DC. He found the "PMIRisk Index" for DC was very low, whereas the same PMI Risk Index formy state (California) was very high. The only place more risky thanSan Francisco/San Jose was Boston.Rut Row !ron Subject: Re: Real Estate Prices --- Leading Indicators From: silver777-ga on 24 Apr 2005 05:35 PDT Ron,Your application of logic is spot on.Your points 1 to 7 could relate to any real estate market.In fact, I had counted the number of "for sale" ads by COLUMNnot just the pages. I also counted the number of propertiesfor lease. Another gauge might be to weigh the newspaper, orin the least the real estate section. I reckon that the more "for lease" properties tells us a lot about the climate of the sale market. An increase in borrowing rates will impact on the rental rates and realised sale prices,regardless of the asking prices published. Check also the auctionclearance rates.Have you sourced any cash-flow positive properties of late?Phil Subject: Re: Real Estate Prices --- Leading Indicators From: nronronronro-ga on 20 May 2005 15:34 PDT Alas, Phil...only the women in my life are cash-flow positive. Thatis to say, they stay positive when I let the cash flow.heh heh hehThanks for your great insights, Phil. As always!ron 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

Investment Property

Investment Property Databank IPD Home About IPD Portfolio Analysis Services Events Indices and Market Information Indices for Derivatives Online Services -- Home Company Overview Directors IPD Measurement Methods Locations Sponsors IPD Links IPD Awards FAQs Press Releases Contact Us Jobs at IPD IPD Frequently Asked Questions Q: Who is IPD? Q: What countries do you cover? Q: What is the company structure? Q: What does IPD do? Q: What services does IPD offer? Q: What is OPD? Q: Who are the IPD's main clients? Q: How do the clients use IPD information? Q: What do you gain from using IPD? Q: How do I join IPD? Q: What type of information is required to join IPD? Q: How do you start a new country service? Q: Who is IPD? A: IPD is an independent research company, who employs over 100 graduates to provide investors, occupiers, advisors and researchers with objective, reliable property benchmarks and indices. back Q: What countries do you cover? A: We cover a growing range of countries. At present we have databanks in the UK, Australia, Canada, Denmark, France, Germany, Ireland, Italy, Japan, Netherlands, Norway, Portugal, South Africa, Spain, Sweden and USA. back Q: What is the company structure? A: IPD’s Head Office is based in London, UK with subsidiaries in Paris, France (IPD France) , Johannesburg, South Africa (IPD South Africa) and Sweden (IPD Norden). In other countries we work with local partners who are established within their particular country to provide a regional contact in the national language. back Q: What does IPD do? A: IPD produces high quality reports and results which are used around the world by investors, occupiers, advisors, lenders, analysts and researchers. These consist of : • Portfolio analysis on commercial property investment funds. This gives fund managers and investors fair benchmarks for total returns, plus a full evaluation of investment strategy and portfolio quality. • Indices and market information to give the definitive statement for property returns in each country and each city. This provides a consistent basis for comparison with other assets, and for research that informs investment decisions from international portfolio allocation down to individual building selection. Annual indices are free and can be downloaded from this site. Other publications are various prices and come in the from of an annual subscription. Please email marketing@ipdglobal.com" marketing@ipdglobal.com for more information or call +44 (0)20 7643 9246. back Q: What services does IPD offer? A: • Portfolio analysis (PAS) & benchmarking • Market information and publications • D-PAS – (Desktop-PAS). Available for PAS clients this software can be used to analyse the performance and characteristics of the portfolios and benchmarks from your own PC, with exclusive access to figures not available in the report. • IPD Online - Available for PAS clients, this is a secure delivery mechanism giving secure access to report publications. • Research - Publications and custom data. • TICCS - Tenants, Income, Credit Rating & Covenant Strength - adds business information to Dun & Bradstreet on each tenant, to give investors unique benchmarks of portfolio income quality and the covenant strength of individual tenants. • Management Cost Survey - the only source of comprehensive benchmarks for overall costs of portfolio management, the eficiency of in-house management teams and charging rates of external providers. • Remuneration Service – This offers independent design advice to instruct lawyers, help with selection of appropriate benchmarks and targets, ability to model historic or potential out-turn of proposed schemes and authoritative advice on all technical aspects of performance measurement. • IPD Events - These include conferences , training and briefings. back Q: What is OPD? A: IPD Occupiers Property Databank is the market leader in its field of performance measurement for occupiers, with clients from a long list of FTSE 100 and multinational companies. The Databank contains a building-by-building record of complete estates showing total occupational costs, building utilisation, facilities and estate management overheads to give owners a thorough profile and comparative management tool. OPD also runs a Facilities Management benchmarking group, a Workplace Productivity Appraisal and publishes the International Total Occupancy Cost Code. To see OPD's website go to www.opd.co.uk. back Q: Who are IPD's main clients? A: IPD’s clients are mainly Pension and Life Fund companies. IPD has over 300 UK clients, internationally over 200 clients. OPD has approximately 60 clients. back Q: How do the clients use IPD information? A: Property owners need an industry standard yardstick against which they can compare the returns they achieve on their investments and evaluate their performance. The IPD annual database is the most reliable benchmark of direct property performance in the UK. It comprises 11,000 properties (with a total value of over €170bn at December 2004), equivalent to 45% of the total property assets of UK Institutions and listed property companies. back Q: What do you gain from using IPD? A: • An independent audit of investment returns, calculated on an industry standard basis • A benchmarking service which gives owners an objective measure of their performance against relevant yardsticks • Systematic analysis of the sources of above- or below-average performance • A powerful internal management tool to help to set agendas, monitor progress against targets, and to guide strategy, stock selection and active management decisions • Results in electronic form to permit further internal analysis. back Q: How do I join IPD? A: Please contact claire.herd@ipdindex.co.uk or call +44 (0)20 7643 9217 to join or for more information. back Q: What type of information is required to join IPD? A: To participate in the Portfolio Analysis Service you will need to provide: • A series of annual Open Market capital values, carried out to standard RICS Red Book specification, property level rent passing and open market rental value. • A schedule of tenant leases as at the most recent valuation date, including tenant level rent passing and market rental value. • Annual capital expenditure amounts, preferably timed to the month or quarter. • Completion dates of transactions, with gross and net purchase and sale prices. • Property management costs. • Other non-recoverable revenue expenditure (vacant rates, non-recoverable maintenance costs, bad debts etc). back Q: How do you start a new country service? A:IPD systems can be established in any country where property investors are committed to understanding the financial performance of their holdings. This commitment can then ensure that the essential building blocks of the IPD databank are in place: • Valuations: In the property market where transactions are few, appraisals of market value are needed to form the capital basis of the return calculation. If necessary, IPD will work with local bodies to develop valuation standards to performance measurement. • Participation: IPD databases require a critical mass to build adequate samples of properties to cover complex national markets. Typically investors holding at least 20% of the investment market are required to form the core of the new system. • Definitions: Nationally accepted and appropriate data definitions must be agreed to ensure the compatibility between investors while maintaining the application of international principals. How will the system be established? • Promotion: IPD will work within the market, most likely in collaboration with a local partner, to identify and secure the critical mass of participating investor organisations. • Development: The databank will be constructed by IPD in collaboration with participating investors to ensure that market characteristics are reflected and their reporting needs are met. • Data Testing: IPD will analyse the data initially submitted to ensure its quality is sufficient to support the benchmarks and market indices. Improvements will be proposed and verified before full products and services are available. 1 St. John's Lane London EC1M 4BL Tel: +44 (0)20 7336 9200 Fax: +44 (0)20 7336 9399 Privacy Policy | © 2005 IPD Ltd. All Rights Reserved. Home | About IPD | Portfolio Analysis Service | Events | Indices and Market Information | Indices for Derivatives | OPD Designed by Webrepro