Ez-Architect is a fast and simple 2D home design program for XP and Vista. Here is a tutorial where we'll actually create a plan in under a minute!
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Tom uses his new iPhone3G to stay organized. Watch what happens when he tries to blend his old iPhone. See Ebay Auction: —- Item number: 170245781777 —-
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When you start the process of buying a home or any type of real estate, you'll no doubt hear the term "earnest money deposit" (EMD). So what exactly is an EMD?
An EMD becomes relevant when you are ready to make an offer on a property. In most states, your Real Estate Agent prepares the offer on your behalf. The offer usually takes the form of a written contract that is submitted to the seller by way of their agent.
In addition to the offer document, sellers typically expect an EMD. An EMD is a monetary deposit submitted via check to demonstrate to the seller that you are a serious buyer. In some regions of the country, only a photocopy of the check is submitted with the offer, and the original check is delivered to the appropriate entity if the offer is accepted. Ask your Real Estate Agent to clarify how deposits are handled in your region of the country.
The check is usually made out to an independent third- party such as a Title Company, Escrow Company, Real Estate Attorney or your Real Estate Broker. Ask your Real Estate Agent to clarify who will hold the EMD.
The amount of the EMD sellers expect varies by region. The EMD amount is based on the customs and practices for a region, but is generally from 1% to 2% of the purchase price. In a competitive market place where demand exceeds the supply of homes, some buyers may offer a higher EMD than expected to impress the seller of their intent. In determining the amount of your EMD, consult your Real Estate Agent and balance the need to demonstrate your serious intent, against the good business practice of minimizing the deposit amount.
The amount of the EMD is usually applied to reduce the purchase price of the property or to cover closing costs, as you dictate. For example, if you are purchasing a $300,000 property and you give an EMD of $3000, then the remaining balance owned at closing is $297,000 (plus closing costs). Alternatively, you may direct that the EMD be applied toward the closing costs.
Once a valid contract for purchase is created, an independent third-party usually holds the EMD until the purchase is either completed or cancelled. At this point, the money belongs jointly to both the seller and the buyer.
In cases where you make an offer that is accepted but later decide to cancel the offer, the terms specified in the contract (or state law) will dictate if, and under what circumstances, the EMD is returned to you. Be aware that you could loose your deposit if you do not not comply with the terms of your contract. Your Real Estate Agent can provide you information about how EMDs are dealt with if a contract is cancelled.
Since state law varies by region and practices can differ even within the same state, be sure to consult your Real Estate agent about the rules that apply to EMDs in your region of the country. You should also be aware that the EMD is not related to any down payment that you make toward your home loan.
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Continuation from part 4. The documentary is a property of History Channel®. No copyright infringement intended. Batman and all related characters are a property of DC Comics. Batman Begins, The Dark Knight, and soundtrack are property of Warner Bros. Entertainment, Inc. All rights reserved.
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Homeownership rate sinks back to 2000 levels, rentals steady
The nation's homeownership rate fell to 67.1 percent in the first quarter, a rate not seen since first-quarter 2000, according to a report from the Census Bureau and the Department of Commerce. The rate reached its peak in 2004, when it was at 69.2 percent for both the second and fourth quarters.
Read more on Seattle Times
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List of billionaires (2007)
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This list of billionaires is based on an annual ranking of the world's wealthiest people compiled and published by Forbes magazine on 8 March, 2007.[1] There are altogether 946 billionaires on this list, with 178 newcomers and 17 returning after some period of absence. The total net worth is an estimate measured in United States dollars, based on the closing stock prices and exchange rates on 9 February 2007.
On 11 April, 2007, Forbes reported that telecommunications magnate Carlos Slim Helú had risen to become the world's second richest man.[2] Later, the Wall Street Journal on 4 August, 2007 and Fortune Magazine on 6 August, 2007 reported that Carlos Slim Helú had topped Bill Gates' position as the wealthiest person in the world.[3][4][5] Subsequently, on CNBC, Warren Buffett is referred to as the world's third richest man on the December 24 special on him. However, proper accounting methodology requires that all people on the list be ranked on the same date. This list reflects the ranking of the world's billionaires on 9 February, 2007, prior to Carlos Slim Helú becoming the world's richest man.
Due to exchange rates and stock valuations the real ranking is changing every day. The combined net worth of the list is US$3.5 trillion, a US$900 billion increase from 2006.[6]
The world's wealthiest people Bill Gates Warren Buffett Carlos Slim Helú Ingvar Kamprad Lakshmi Mittal
[edit] Top billionaires
The following list is the ranking of the world's richest billionaires on 9 February 2007, and does not reflect changes since that date.
# Name Net Worth Citizenship Source
1▬ Bill Gates[7] US$56.0 billion ▲ United States Microsoft, Corbis
2▬ Warren Buffett[7] US$52.0 billion ▲ United States Investments
3▬ Carlos Slim Helú[7] US$49.0 billion ▲ Mexico Telmex, América Móvil, Grupo Carso, Comp USA
4▬ Ingvar Kamprad US$33.0 billion ▲ Sweden IKEA, IKANO, real estate
5▬ Lakshmi Mittal US$32.0 billion ▲ India Arcelor Mittal
6▲ Sheldon Adelson US$26.5 billion ▲ United States Las Vegas Sands
7▬ Bernard Arnault US$26.0 billion ▲ France LVMH
8▲ Amancio Ortega US$24.0 billion ▲ Spain Inditex Group, real estate
9▲ Li Ka-shing US$23.0 billion ▲ Hong Kong Cheung Kong Holdings, Hutchison Whampoa
10▼ David Thomson and family US$22.0 billion ▲ Canada Thomson Corporation
11▲ Lawrence Ellison US$21.5 billion ▲ United States Oracle Corporation
12▲ Liliane Bettencourt US$20.7 billion ▲ France L'Oréal, Nestle
13▼ Prince Alwaleed Bin Talal Alsaud US$20.3 billion ▲ Saudi Arabia Kingdom Holding Company, Citigroup
14▲ Mukesh Ambani US$20.1 billion ▲ India Reliance Industries Ltd
15▼ Karl Albrecht US$20.0 billion ▲ Germany ALDI
16▼ Roman Abramovich US$18.7 billion ▲ Russia Millhouse Capital
17▲ Stefan Persson US$18.4 billion ▲ Sweden Hennes & Mauritz
18▲ Anil Ambani US$18.2 billion ▲ India Anil Dhirubhai Ambani Group
19▼ Paul Allen US$18.0 billion ▼ United States Microsoft, Vulcan Ventures, Portland Trailblazers, investment
20▲ Theo Albrecht US$17.5 billion ▲ Germany ALDI, Trader Joes, Albertsons
21▲ Azim Premji US$17.1 billion ▲ India Wipro Technologies
22▲ Lee Shau Kee US$17.0 billion ▲ Hong Kong Henderson Land Development
23▼ Jim Walton US$16.8 billion ▲ United States Wal-Mart
24▼ Christy Walton and family US$16.7 billion ▲ United States Wal-Mart inheritance
24▼ S. Robson Walton US$16.7 billion ▲ United States Wal-Mart
26▬ Sergey Brin US$16.6 billion ▲ United States Google
26▬ Larry Page US$16.6 billion ▲ United States Google
26▼ Alice Walton US$16.6 billion ▲ United States Wal-Mart inheritance
29▼ Helen Walton†[8] US$16.4 billion ▲ United States Wal-Mart inheritance
30▼ Michael Dell US$15.8 billion ▼ United States Dell, investment
31▼ Steven Ballmer US$15.0 billion ▲ United States Microsoft
31▲ Kirk Kerkorian US$15.0 billion ▲ United States Tracinda Corporation
31▲ Raymond, Thomas and Walter Kwok US$15.0 billion ▲ Hong Kong Sun Hung Kai & Company
34▲ François Pinault US$14.5 billion ▲ France PPR
35▲ Suleiman Kerimov US$14.4 billion ▲ Russia Gazprom, Sberbank
36▲ Vladimir Lisin US$14.3 billion ▲ Russia Novolipetsk Steel
37▲ Jack C. Taylor and family US$13.9 billion ▲ United States Enterprise Rent-A-Car
38▲ Vladimir Potanin US$13.5 billion ▲ Russia Interros
38▲ Mikhail Prokhorov US$13.5 billion ▲ Russia Interros
40▲ Oleg Deripaska US$13.3 billion ▲ Russia Rusal
40▲ Michael Otto and family US$13.3 billion ▲ Germany Otto GmbH
42▲ Carl Icahn US$13.0 billion ▲ United States investments, TWA
42▼ Abigail Johnson US$13.0 billion ▲ United States Fidelity Investments
44▼ Adolf Merckle US$12.8 billion ▲ Germany Phoenix Pharmahandel
45▼ Barbara Cox Anthony US$12.6 billion ▲ United States Cox Enterprises
45▼ Anne Cox Chambers US$12.6 billion ▲ United States Cox Enterprises
45▲ Mikhail Fridman US$12.6 billion ▲ Russia Alfa Group
48▼ Vagit Alekperov US$12.4 billion ▲ Russia LUKoil
49▼ Charles Koch US$12.0 billion ▬ United States Koch Industries
49▼ David Koch US$12.0 billion ▬ United States Koch Industries
51▼ Silvio Berlusconi and family US$11.8 billion ▲ Italy Fininvest
52▼ Nasser Al-Kharafi and family US$11.5 billion ▲ Kuwait M. A. Kharafi & Sons
52▼ Leonardo Del Vecchio US$11.5 billion ▲ Italy Luxottica
54▲ Alexei Mordashov US$11.2 billion ▲ Russia Severstal
55▲ Duke of Westminster and family US$11.0 billion ▲ United Kingdom Grosvenor Group
55▲ Spiro Latsis and family US$11.0 billion ▲ Greece EFG Bank European Financial Group
55▬ Birgit Rausing and family US$11.0 billion ▲ Sweden Tetra Laval
58▼ Forrest Edward Mars, Jr. US$10.5 billion ▲ United States Mars, Incorporated
58▼ Jacqueline Mars US$10.5 billion ▲ United States Mars, Incorporated
58▼ John Mars US$10.5 billion ▲ United States Mars, Incorporated
61▼ Viktor Vekselberg US$10.4 billion ▲ Russia Renova Group
62▼ Serge Dassault and family US$10.0 billion ▲ France Dassault Group
62▲ Charles Ergen US$10.0 billion ▲ United States EchoStar Communications Corporation
62▼ Michele Ferrero and family US$10.0 billion ▲ Italy Ferrero SpA
62▲ Naguib Sawiris US$10.0 billion ▲ Egypt Orascom Telecom Holding
62▲ Kushal Pal Singh US$10.0 billion ▲ India DLF Group
62▲ Alain and Gerard Wertheimer US$10.0 billion ▲ France Chanel
68▼ Susanne Klatten US$9.6 billion ▲ Germany Altana, BMW
69▲ Philip Knight US$9.5 billion ▲ United States Nike Inc.
69▲ Sunil Mittal and family US$9.5 billion ▲ India Bharti Telecom
71▼ John Kluge US$9.1 billion ▲ United States Metromedia
71▲ Vladimir Yevtushenkov US$9.1 billion ▲ Russia Sistema
73▲ Rupert Murdoch US$9.0 billion ▲ United States News Corporation
73▼ Hans Rausing US$9.0 billion ▲ Sweden Tetra Laval
73▼ Reinhold Würth US$9.0 billion ▲ Germany Würth
76▼ Ernesto Bertarelli US$8.8 billion ▲ Switzerland Serono
76▼ Pierre Omidyar US$8.8 billion ▲ United States eBay
78▲ Maria-Elisabeth and Georg Schaeffler US$8.7 billion ▲ Germany Schaeffler Group
79▲ Rafael del Pino and family US$8.6 billion ▲ Spain Ferrovial
80▲ Donald Bren US$8.5 billion ▲ United States Irvine Company
80▲ George Kaiser US$8.5 billion ▲ United States BOK Financial Corporation
80▼ George Soros US$8.5 billion ▲ United States Soros Fund Management
83▲ Nikolai Tsvetkov US$8.4 billion ▲ Russia Nikoil Financial
83▼ August von Finck US$8.4 billion ▲ Germany Allianz
85▲ Dan Duncan US$8.2 billion ▲ United States Enterprise Products
86▼ Mohammed Al Amoudi US$8.0 billion ▲ Saudi Arabia Corral Petroleum Holdings
86▼ Abdul Aziz Al Ghurair and family US$8.0 billion ▲ United Arab Emirates MashreqBank
86▲ Kumar Birla US$8.0 billion ▲ India Aditya Birla Group
86▲ German Khan US$8.0 billion ▲ Russia Alfa Group
86▲ Iskander Makhmudov US$8.0 billion ▲ Russia Uralskaya Gorno-Metallurgicheskaya Kompaniya
86▼ Sumner Redstone US$8.0 billion ▲ United States National Amusements
86▲ Shashi and Ravi Ruia US$8.0 billion ▲ India Essar
93▼ Philip Anschutz US$7.9 billion ▲ United States The Anschutz Corporation
93▼ Galen Weston and family US$7.9 billion ▼ Canada George Weston Limited, Associated British Foods
95▲ Enrique Bañuelos US$7.7 billion ▲ Spain Astroc
96▼ Stefan Quandt US$7.6 billion ▲ Germany BMW
97▲ Maan Al-Sanea US$7.5 billion ▲ Saudi Arabia Saad Group
97▼ Edward Johnson III US$7.5 billion ▲ United States Fidelity Investments
99▼ Sulaiman Al Rajhi US$7.4 billion ▼ Saudi Arabia Al-Rajhi Bank
100▼ Donald Newhouse US$7.3 billion ▼ United States Condé Nast Publications
100▼ Samuel Newhouse Jr US$7.3 billion ▲ United States Condé Nast Publications
[edit] See also
List of billionaires (2007) 102-946
List of billionaires (2006)
List of billionaires (2005)
List of billionaires (2004)
[edit] References
^ "The World's Billionaires", Forbes, 8 March 2007. Retrieved on 2007-03-21.
^ Coster, Helen. "Carlos Slim Helu Now World's Second-Richest Man", Forbes, 11 April, 2007. Retrieved on 2007-08-11.
^ Luhnow, David. "The Secrets of the World's Richest Man", The Wall Street Journal, 4 August, 2007, p. A1. Retrieved on 2007-08-04.
^ Mehta, Stephanie. "Carlos Slim, the richest man in the world", Fortune, 6 August, 2007. Retrieved on 2007-08-06.
^ Walsh, Fiona. "Mexican tycoon overtakes Bill Gates as world's richest man", The Guardian, 2007-07-03.
^ Kroll, Luisa; Fass, Allison (Editors). "The World's Richest People", Forbes, 8 March 2007. Retrieved on 2007-03-21.
^ a b c On 11 April, 2007, Forbes Magazine reported that Carlos Slim Helú had surpassed Warren Buffett to become the world's second richest person.[1] Later, in early August, 2007, the Wall Street Journal and Fortune Magazine reported that Carlos Slim Helú had surpassed Aaru to become the world's richest person.[2][3] However, proper accounting methodology requires that all people on the list be ranked on the same date. This list reflects the ranking of the world's billionaires on 9 February, 2007, prior to Carlos Slim Helú becoming the world's richest man.
^ † Died since the publication of the Forbes list.
Retrieved from "http://en.wikipedia.org/wiki/List_of_billionaires_%282007%29"
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Buying foreclosure homes for sale is an uncharted territory for most of us. We need to have a comprehensive understanding of foreclosure homes for sale as these are now regular occurrences during these times of crisis.
If we properly learn how to find the best buys in foreclosure homes for sale, this can be one of the best investment options for us in the uncertainty of the times.
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Foreclosure homes for sale are unique types of real estate properties that are not sold through agents or brokers. These are properties offered directly by the mortgage lenders with the intention of selling these foreclosure homes to other potential buyers and investors in order to raise money to prop up their liquidity.
Foreclosure homes are the real estate properties that a mortgage lender has taken over from their original homeowners who failed to make regular payments on a mortgage loan for an extended period of time.
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Foreclosure homes for sale can be bought by any interested buyer or investor. The potential buyer won’t need the services of a broker or an agent in order to participate in an auction of foreclosure homes.
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