Home Loan Quotes and

Home Refinance Loans, Home Equity Loans and Mortgage Loan Quotes and Loan Rates at LoanWeb.com Find the best Home Loan Quotes and Rates Online; Save Time and Money with LoanWeb®. LoanWeb has been connecting customers with our network of nationwide lenders since 1996. Our fast, simple and secure forms match your specific loan needs with up to four lenders. LoanWeb will display your lender options before they contact you to review your home equity loans and home refinance loan options, or current mortgage interest rates . Start Here! Get free, no-obligation quotes from multiple lenders. Loan Type Area Code State Auto Home Equity Home Purchase Refinance Home Improvement Debt Consolidation Land Purchase New Home Construction Pay Day Loans Personal Loans Student Loans Commercial Loans AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY Processing Please Wait Free - No Application Fees and No Obligation No Initial Credit Check Our Secure Servers Protect Your Privacy Fast and Easy Forms Take Only a Few Minutes to Complete Up to 4 Lenders Will Contact You& Compete for Your Loan Our Network Includes the Internet's Top Lenders Resource Links Mortgage Calculators Home Buying Guide Glossary of Mortgage Terms Mortgage Rates Guide to Skillful Borrowing More Services Auto Loans Free Credit Reports Pay Day Loans Credit Cards Save on Insurance Personal Loans Student Loans Credit/Debt Services Commercial Loans Compare Interest Rates Search local rates to find the one that fits you best! Show Rates Online -- About Us | Contact Us | Privacy | License & Disclosures | Help | Site Map Loans | Resources | Calculators | Rates Affiliates | Lenders and Brokers 24003 Ventura Boulevard, Building A Calabasas, CA 91302Phone: (800) 410-1955 --

Real estate successis a

The OurBroker® Real Estate Information Center NEW! -- Have a real estate question? Please press here . Amortization Ask Realty Times Associations Bookstore Calculators Commentary Credit Directories E-Mail Fed Sources Foreclosures Helpful Links Home Repair Gallery Government Library Loan Limits Maps Mortgages Moving NOTICES Phone Info Profession Privacy Reading Room Search Reviews Software TheStreet.com Taxes Trademark Translations Utility Savings Web Design Web Helpers Real estate successis a by-product of real estate information. Whether you're buying or selling,renting or investing, financing or refinancing, this is the top-rated consumersite where you can quickly find practical and usable real estate information. Have a real estate question? Our Consumer Library has dozens of categories and a huge number of answers. Wonder about mortgages? Try our easy-to-use calculators . Interested in what's new in real estate -- and why it's important? See more than 400 Realty Times columns or view today's Realty Times headlines . OurBroker® -- also known as Peter G. Miller -- is: The author of The Common-Sense Mortgage , a book with unit sales well into six figures. The sole author of four other real estate books anda guide to media and communications, all published originally by Harper &Row (now Harper/Collins). The original creator and host of the Real Estate Center with America Online. A regular columnist with Realty Times , the nation's leading online real estate new service. A columnist syndicated in more than 65 newspapers in the United States and Canada through Content That Works . A long-time columnist and contributor to the The Real Estate Professional , the largest independent magazine for leading brokers and salespeople nationwide. Use the keyword "OurBroker" to reach this site from AOL. For easy reference, be sure to bookmark this site now. Also, are you in real estate? Do you need newsletters, postcards and flyers? Do you need materials mailed at the lowest-available rates? If yes, please visit NetGram , the nation's leading discount printer. Search OurBroker.com © 2005 Peter G. Miller . All Rights Reserved

real estate prices “doubling

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

Real Estate Broker

BuyMyself - Canale, IRED Attitude & News Home Directories Int'l Realty US Realty BuyMyself Choosing A Real Estate Agent By Stephen M. Canale, Ann Arbor, Michigan, USA There's a common saying in the real estate industry regarding the vast number of agents in the business: "If you don't have any friends who are agents, then you probably don't have any friends at all." With so many agent out there, how can you make an intelligent decision? Do you choose a friend, neighbor or coworker? Should you work with an agent at a large firm, a small firm, a franchise or an independent? While there's an exception to every rule, and every marketplace has its own nuances, here are some solid rules to apply when you want the best representation to protect your interests. Demand Experience The real estate profession is plagued by high turnover. This creates a workforce that is made up of many newcomers. While there are brand new agents with good intentions, why trust one of the largest investment you'll ever buy or sell to someone without experience? Always look for an agent with at least two years of experience. Anyone still in the business after two years has probably learned at least the fundamentals of real estate. Look for Commitment Another problem we have in the industry is a large number of part time and recreational salespeople. These folks have either retired from some other career, work in real estate seasonally or are earning a second income for the family and honestly don't need to work full time. No matter how long they have been in real estate, their lack of full-time commitment makes it impossible for them to keep up with the vast changes in law, marketing and business practices that are occurring in the profession today. If an agent isn't working at least thirty hours a week, fifty weeks a year, look for someone else. Consider Education In the majority of states, the requirements for real estate licensing are substantially less than those for cutting hair. In Michigan, for example, all that is required is a forty-hour class and a multiple choice test. You cannot rely on licensing to indicate competence. And, unfortunately, many agent's real estate education ends with their pre-license education. While there are numerous advanced real estate education courses available, the only technical and competence based program available nationwide is the Graduate, REALTORS® Institute (GRI) series, which is administered under the direction of the National Association of REALTORS®. A REALTOR® who completes the fifteen eight-hour modules, and passes examinations, may then use the designation of GRI. While only 15%-20% of agents have earned this accreditation, it should not be too difficult finding a GRI in your marketplace as they will commonly print the designation behind their name in advertising as well as on letterhead and business cards. Conduct Interviews Before you hire an agent to help you buy or sell a home, you should interview at least three agents in person. In order to do this, first get recommendations from friends, family and neighbors. Then look on the web, in homes magazines and the local newspaper to see what kind of marketing the various companies are doing in your area and call a few that impress you. Then make brief fact-finding calls to determine which of the agents on your list are full time, experienced and either hold the GRI designation or are at least working aggressively toward it. You will probably need to call ten to fifteen agents in order to find three that are worth interviewing. The interview itself need not be a formal one. It is simply an opportunity for you to meet the candidate and explain your needs; and to determine whether you would be comfortable working with them. Ask whatever questions you like, or simply explain your goals and listen carefully to what they propose to do for you in meeting your needs. The decision If you follow the suggestions above, you will find that there are excellent agents working for firms both large and small; both franchised and independent. Thus, the real decision must be made based on the competency of the individual agent you will be working with on a day-to-day basis. Stephen M. Canale is President, Broker/Instructor of Acclaim Residential Marketing Ann Arbor, Michigan | IRED Home | Search IRED | © 1995-2005 IRED.Com, Inc All Rights Reserved

Sell House

AutoTrader.com - How to Sell Your Car Home > Research > How to Sell Your Car How to Sell Your Car Why should I sell my car instead of trading it in? It's simple—to boost your profit. Sell it yourself, and you get a higher value out of your car. Depending on the age and condition of your car, you can pocket an extra $1,000 to $2,000 or more. If you have a late-model vehicle, you stand to make much more. Just think of it as cutting the middle man out. If you trade your car in, the dealer has to pay to clean it, advertise it and sell it while making a comfortable profit. Your lower trade-in reflects that. Besides, with today's online resources, selling your car is easier than ever. Find out all you need to know to put your car up for sale, and then list it at a less expensive price than traditional printed classified listings. Plus, you reach more buyers in your area—and across the country. Place Your Ad Today Get a CARFAX Vehicle History Report Provide buyer assurance. Check your vehicle's history before you sell. Enter VIN Find Info on Specific Models Get the details on your old car before you advertise. Find out options, standard features, safety and more. What are my first steps? Selling your car yourself can be rewarding, especially with a little guidance. We've come up with a few tips to make the experience easier and to help you get the best price for your car. View Hide Set a competitive price A good place to start is determining the market value of your car. Check out our used-car values page to find out what your car is worth. You'll want to price competitively in your local market-look at our online ads in your area to see what used cars similar to yours are being sold for. If you're open to negotiation, determine the least amount you will accept. Based on that amount, you may want to create some cushion in your price—$500 is a good minimum. Remember, buyers are looking at the same online pricing guides, so if your price is close to or lower than the price they found, your car could be that much more appealing. Once you set your price, consider using the proper ad lingo to make your point: Inserting "or best offer" (OBO) or "asking price" signals you'll consider an offer lower than the stated price. You may get more responses. Stating your price is "firm" signals that you're sticking to your price. View Hide Get your car ready Appearance is everything. That means you should thoroughly clean your car, inside and out. And consider taking care of any minor maintenance issues. Here's a laundry list of things you can do to improve your car's appearance: Wash, wax and vacuum your car. Wipe down the dashboard and other surfaces. Gloss up the tires and polish the wheels. Clean all glass inside and out, including mirrors. Clean out any junk from inside your car and the trunk. Replace any burnt lights or fuses. Top off the fluids. View Hide Gather your car's records Smart car shoppers want to know how well maintained your vehicle is and will ask for maintenance records. A presentable maintenance log with all of your receipts, especially oil changes, can be a powerful selling tool. Consider collecting the receipts you have and creating a maintenance log. If you know you had something done but can't find the receipt, log it anyway. Warranty receipts are especially important. If you've recently replaced your tires or battery, present the warranty to the buyer. View Hide Purchase a vehicle history report You can put buyers at ease by showing a copy of your car's vehicle history report . One of the biggest fears of used-car buyers is unwittingly buying a car that has been in a wreck. A vehicle history report reveals if a car was ever wrecked, whether the odometer was rolled back and other costly problems. Presenting your maintenance records and a clean vehicle history report instills confidence in buyers—it could make the sale! How do I advertise my car? Your best bet is to place an online ad . Think about it this way: how many newspaper readers are looking to buy a car? Compare that to the number of people visiting auto websites like this one looking to buy a car now. You'll also get more sophisticated options, like editing tools and more space to show off your car. Here are some surefire bets to bring you more responses. View Hide Post quality photos Although photos are not required for listing your car online, they are a key selling tool. You have a far greater chance of buyers clicking on your Search Results Listing if you have photos. In fact, 85% of buyers look for listings with photos in their initial search. You don't need to have a digital camera to post photos. Just take your traditional film to your local photo-processing lab and ask for a photo CD. You can easily upload photos from the CD to your ad. Or, you can turn your prints into digital pictures with a scanner. Before you point and shoot, remember these guidelines: Photograph your car in daylight. Avoid reflections and shadows from the sun and trees. Photograph your car at a front-side angle to achieve a good view of the entire car. Park your car against a flattering backdrop. Make sure your car is clean and neat in appearance. If you post multiple photos, photograph the interior and any special features about your car, such as specialty tires and wheels. View Hide Give details buyers will respond to Another benefit of advertising online is providing a complete description of your car. You get to give buyers those extra details that grab their attention. In your AutoTrader.com ad, you will list your car's basic details and options installed. With that important information already out of the way, you can focus on making your description enticing. Keep in mind the first 150 characters of your description will show on your Search Results Listing. Put your most important details first, so buyers see them right away. Consider giving some of the following details: Appeal to a buyer's lifestyle. Ex. Van—"great family car," economy car—"excellent gas mileage makes it a great commuter car," truck—"a dependable work truck." Use key phrases that typically signal you've taken care of your car, like "one owner," "kept in garage" and "maintenance records available." But do be honest! Mention any non-standard modifications and improvements, such as stereo, speakers and specialty wheels. List any recent replacements, like new tires or battery. View Hide Be prepared to field inquiries Once you place your ad, be ready to answer questions. Keep a list of basic facts about your car near the phone and computer. Print out the online sources that show your car's market value. Buyers are making a big decision, so try to answer every question honestly and openly. You'll save yourself time instead of making unnecessary appointments. Make appointments for a specific time, rather than allowing a buyer to show "sometime after work." It increases the chances of the buyer making it, and it doesn't waste your time. If you feel uncomfortable with a buyer coming to your house, arrange to meet in a populated, well-lit area. How do I close the deal? You've done your homework. Now it's time to sell your car. With a little preparation and patience, you should do just fine. View Hide Show your car to interested buyers Once you make an appointment, a buyer will most likely want to take your car for a spin. Before the test-drive, remember to: Ask to see a valid driver's license and proof of insurance. Let the buyer drive, but you navigate. Have a planned route in mind that allows the buyer to experience different driving conditions. If a buyer is very interested and wants you to hold the car, ask for a deposit and specify that it's only for a certain amount of time. Also, some buyers may want to have the car inspected by their mechanic. This is a reasonable request, but it's up to you how you want to handle it. View Hide Negotiate a fair price By now, you know what your car is worth, and you know what you're willing to accept. Prepare yourself with possible responses when a buyer begins to negotiate. For example: If a buyer mentions a scratch or ding, say it's normal wear and tear and that it's accounted for in the depreciated market value. If a buyer makes an offer lower than your asking price, counter offer. Never seem too eager to lower your price. And don't budge beyond your minimum. If a buyer shows you a mechanic's receipt for repairs needed on your car, take a look at the repairs. If they're warranted, consider reducing the price based on the amount needed for the repairs. If you advertised that your car is being sold "as is," then simply refer to your ad. View Hide Finalize the sale Once you settle on a price, accept only cash or a cashier's check before you sign over the title. And make sure the check has cleared at the issuing bank. Be suspicious of any buyer who offers a complicated payment arrangement that involves overpayment with a refund. This is often a sign of fraud. To learn more about spotting a scam, read our fraud awareness tips . You should have a bill of sale ready for both parties. A bill of sale is a sales receipt that shows transfer of ownership to the buyer and contains both parties' contact information, details about the car, the agreed upon sell price and the odometer reading. To find a bill of sale, your state motor vehicle website should offer a detailed form. If not, try an office supply store for a generic form that you can add to if needed. Also, check with your state motor vehicle website to find out what the requirements are to transfer the title to the new owner. Generally, you will have to sign and date the title before turning it over to the buyer. Notifying your local motor vehicle office of the transaction and ensuring the title is correctly transferred will prevent you from being liable for any accidents. If you still owe money on the car and a lending institution is holding the title, you can finish the sale with the buyer at the offices of the lender. Once you have the money and the loan has been paid off, sign the title to the buyer. If the bank is out of state, you can go with the buyer to the motor vehicle office and get a temporary operating permit based on the bill of sale. Once you pay off the balance of the loan with the money from your car sale, you'll receive the title. Sign it over to the new owner and the transaction is complete. One last thing—don't forget to cancel or transfer your insurance policy to your new car. I want more resources... Credit Tools Free Credit Report Be prepared before getting an Auto Loan. Vehicle Valuation Trade-in & Retail Pricing Get free trade-in values and retail pricing. Car Loans Loan Center Get up to 4 offers with one simple form. Refinance Auto Loan Center Refinance your auto and save. Payment Calculator Calculate the monthly loan payment for a car. Safety Safety Info Information and articles on safe driving and vehicle safety features. Reviews and Tips Search Reviews Search the latest car reviews. Buying Tips Information and articles to help you make the most informed buying decisions. Home > Research > How to Sell Your Car Find A Dealer | Become an AutoTrader.com Dealer | About | Help | Site Map | Employment Opportunities | Email Us | Press Room By using this service, you accept the terms of our Visitor Agreement . ©2005 AutoTrader.com L.L.C.