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Tempe, AZ (PRWEB) November 7, 2005

Http://HousingPanic.Blogspot.com has launched today in order to allow Americans (and the world) to understand the issues and repercussions associated with the ongoing bursting of the worldwide housing bubble – the most important issue facing the world in 2006.

“The Bush/Greenspan credit bubble has led to over-investment and hyper-speculative conditions which will now cause a market crash of epic and historic proportions” according to Keith Brand, founder of the HousingPanic blog. “This new blog will allow readers to review current articles, commentary and statistics, while also allowing them to vent, learn and react.”

“We saw margin accounts and wild speculative behavior lead to a drop of 70%+ in the NASDAQ in the early 2000’s”, continued Mr. Brand. “With housing, these types of margin accounts have been replaced by an even more dangerous form of leverage – called mortgages.”

“Whether it’s no-money-down, or interest only, or even a 30 year fixed, home purchasers and speculators among us are now leveraged ten, twenty, or infinite times what the least sophisticated NASDAQ day-trader was in 2000. The 6% drop in housing values that we've already seen in October will wipe out many folks. The upcoming 20% or more decline will destroy the US economy, create a flood of HUD homes, and lead to a worldwide financial meltdown.”

So button your seatbelt, and bookmark http://housingpanic.blogspot.com for the latest news, opinion and user commentary.

About Housing Panic

Http://HousingPanic.Blogspot.com was developed to be the definitive source of news, opinion and user commentary for the worldwide housing and credit bubble. The goal of the HousingPanic.Blogspot.com blog is to simply inform, so that its readers may make their most intelligent housing choices.

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Ready To Assemble Furniture

Hopewell Junction, NY (PRWEB) November 13, 2009

TheRTAStore.com has launched its new website to include not only RTA kitchen cabinets but ready to assemble children and adult bedrooms, living room furniture, dining room furniture, outdoor furniture, bar furniture and flooring.

TheRTAStore.com has also expanded their RTA cabinets line to now include over 9 finishes. Each finish now fits into one of three categories to help differentiate. TheRTAStore.com is proud to introduce the essential, premier, and platinum kitchen cabinets.

With the economy hurting everyone The RTA Store has decided to include free shipping on every single purchase and exceptional discounts that offer up to 70% off . A new promotion called 'Name Your Price' where customers tell what they are looking for and what they would like to spend has helped to find them the best product within their budget.

TheRTAStore.com offers pure quality and craftsmanship. The best part is they stand behind their products 100% and will not stop until their customer is 100% satisfied.

What makes them different from every other website is that they care. They cared enough to expand their business to include only the best products for the money that consumers are spending. Take a look at TheRTAStore.com to see what they are all about.

Ps. keep checking back over the month of November as The RTA Store is launching a brand new line of discount kitchen cabinets that ship assembled.

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Red Wing, MN (PRWEB) March 23, 2010

Red Wing has appeared in several prestigious lists for being a top historic destination recently and this has brought more attention to the Red Wing real estate market, according to the leading Red Wing, MN, real estate agents of Coldwell Banker – Nybo & Associates. Ranking #23 with a score of 74 in National Geographic Traveler’s list of “Historic Places Rated,” the city has also been named one of the country’s Dozen Distinctive Destinations by the National Trust for Historic Preservation.

“The historic charm of our city is one of the main reasons behind the continuing growth in value of property here,” said Tim Nybo, broker and owner of CB Nybo & Associates. “When people see Red Wing’s well-preserved 19th century homes and buildings and the great pride many residents have in maintaining this architectural heritage, they also see that this is a community that is committed to preserving a high quality of life focused on historic preservation – and who wouldn’t want to live in a place like that?”

Red Wing’s historic character, scenic riverfront location, proximity to the Twin Cities, and the community’s emphasis on smart growth principles has provided a strong base for the local real estate market. Home prices here have not become as inflated as they have been in other parts of the country and thus have not needed to make serious adjustments. The value of Red Wing homes for sale has risen slowly but steadily in the past years. In 2010 the average price per square foot of real estate here has increased by 5.1% as compared to that of the same period in 2009.

For more information on the historic attractions of Red Wing, as well as Red Wing real estate, check out Coldwell Banker – Nybo & Associate’s website, www.RedWingRealEstate.com or contact Tim Nybo today.

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Dallas, TX (PRWEB) February 4, 2008

How do the wealthy choose their real estate agents? What are the secrets to successfully marketing a multimillion dollar property? Laurie Moore-Moore shares the answers to these and other questions in the new and expanded second edition of her real estate book, "Rich Buyer, Rich Seller! The Real Estate Agent's Updated Guide to Marketing Luxury Homes."

"Used copies of the first edition — which sold more than 10,000 copies — are for sale on Amazon and e-Bay beginning at 5.00 said Moore-Moore. "But don't shop for the book there. The new second edition is available for just .95 exclusively through The Institute for Luxury Home Marketing (www.LuxuryHomeMarketing.com)." The 272-page book is packed with updated statistics, insights into marketing to the wealthy, and how-to tips from successful luxury home experts.

"We filled nearly 2000 waiting orders for the book on the first day following delivery of the new edition," said Waco Moore, President of the Institute for Luxury Home Marketing, which published the book. "Timing for the second edition is perfect. The luxury home market is the good news story in real estate. In many markets, the top 10% of the housing market is strong while the rest of the market is in the doldrums. Money is still chasing luxury homes.

"Based on this year's World Wealth Report from Merrill Lynch and CapGemini, the world's über rich have invested 12% of their total portfolios in homes other than a primary residence," said Moore. "In short, there is more money than ever competing for homes at the very top of the market. Savvy real estate professionals recognize that the luxury residential market is the 'sweet spot' in real estate and are looking for ways to target the wealthy buyer and seller. This book is the road map to doing that successfully."

Laura Duggan with Capital City Sotheby's International Realty in Austin (TX) said this about the new book, "This book is a must-have for any real estate professional who wants to work in the luxury home market. A world-class guide book, Moore-Moore reveals the keys to working with the wealthy and teaches agents the step-by-step information that they need to master each task with competence and confidence. Even the most experienced agent will find this book full of not-to-be-missed gems that will take their business to the next level!"

Jane Goetz of Keller Williams Premier Properties in Summit (NJ) agreed, "The ultimate guide for nurturing a market segment that is used to excellent service, this book is packed with valuable information presented in a very readable style. It certainly is my best resource. Although I own two copies of the original book, I can assure you mine won't be found on e-bay."

A book signing is scheduled for the author at the Century 21 convention bookstore in Orlando (FL) on February 29, 2008 at 5:15pm. The book will also be for sale at the convention bookstores at the Coldwell Banker, and ERA conventions and at the Institute for Luxury Home Marketing's booths at the Keller Williams Family Reunion and RE/MAX convention during the first quarter of this year.

Moore-Moore, often referred to by the media as "The Luxury Diva," is the founder and CEO of The Institute for Luxury Home Marketing, the premier training and research organization serving real estate professionals who work in the luxury residential real estate market.

For more information on the book and on The Institute for Luxury Home Marketing certification training for real estate professionals, www.luxuryhomemarketing.com and www.richbuyerrichseller.com.

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San Jose, Costa Rica (PRWEB) September 13, 2006

Online or at a casino, more and more women are playing poker nowadays. According to new studies, nearly 30 percent of online players are female and the number of women in the Ladies World Series of Poker is up 400 percent.

Thirty years ago, things were different, said Barbara Enright, who was a former hairdresser who became a professional poker player. Taking a seat next to the boys used to make me downright queasy. I was so intimidated when I sat down in the game," she said.

Her advice to women in a man's world is to take chances and past your comfort zone. “I plan how I'm going to play the hand before I even get the cards," she said. “In poker as in life you have to stay focused, talk less, listen more and never get emotional,” a mistake Enright calls a "man-thing.” If men underestimate you at the poker table or in the boardroom, use it to your advantage, and you'll be laughing all the way to the bank.

Today, Enright keeps her competition online in tournaments, as the one offered by DoylesPokerRoom.com — the only poker room endorsed by the legendary Doyle Brunson. Whether it's online, or in a casino, or your neighbor's living room, women are going crazy for poker.

Contact: For PR inquiries, please contact Alejandro C. toll free 800-326-6024.

About DoylesPokerRoom.com:

DoylesPokerRoom.com is powered by DBPN (Doyle Brunson Poker Network), a company incorporated and licensed in Curacao, Netherlands Antilles. www.doylespokerroom.com

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Miami, FL (PRWEB) November 28, 2006

With the real estate market adjusting after several years of record high home prices, it is more important than ever for consumers to understand and take control of their real estate transactions. With the full launch of Homekeys.net in Hillsborough County and an enhanced ValueSearch™ tool, buyers and sellers now have faster access to information needed to make more informed decisions, the widest range of real estate choices and, best of all, the richest savings in Florida real estate.

Homekeys empowers consumers with information previously available only through time-consuming research or direct contact with real estate agents or appraisers. In addition to instant online home value estimates through the ValueKey™ tool, only Homekeys offers technology that allows consumers to quickly and easily search for Hillsborough County homes priced at or below their estimated market value. Homekeys' patent-pending ValueSearch tool uses value estimates, comparable sales and county records to find the homes on the market that appear to be the best deals. Consumers can then save a considerable amount of time by narrowing down the search to the best deals that meet their specific needs. While ValueKey and ValueSearch are not substitutes for a traditional home appraisal, these tools can be used to prepare consumers so they can make the most educated and informed decisions possible.

In today's market, the ValueSearch tool is beneficial not only for buyers but for sellers who need to understand market conditions and price fairly to attract viewings. "Today, sellers must align their home value and sale price expectations with market conditions in order to attract interest in their property," said Homekeys' President and CEO Manuel Iraola.

After consumers have done the background work, Homekeys offers more money-saving options for both Hillsborough buyers and Hillsborough sellers. Consumers who partner with Homekeys to buy a home can receive a rebate of up to 50 percent of Homekeys commission at closing. Buyers who want to use Homekeys but would like the convenience of a full-service realtor can do so and still receive a rebate of up to 00. Sellers can list a home with Homekeys for a flat fee of 9 and receive up to six months exposure on the MLS, Homekeys.net, Realtor.com, MSN, AOL, Google Base and a plethora of other real estate web sites and pay no seller-side commissions. For an additional 1% Sellers can opt for the Sellers Advantage program, show their own home and let Homekeys provide all other services of a traditional full service realty. Either way, they can save thousands of dollars.

"The one size fits all real estate model is no longer enough, especially with the Internet and advanced technology available today," said Iraola. "Now, anyone willing to invest a little time can save significant money on their real estate transactions, without sacrificing service. This is the driving force behind Homekeys – to provide consumers with the knowledge, tools and resources to buy and sell real estate on their own terms."

Since launching in April 2005, Homekeys has sold over million in properties, saving consumers over to .5 million dollars in real estate commissions. In addition to Hillsborough County, the ValueKey and ValueSearch tools are also available for Miami-Dade, Broward and Palm Beach county properties. Homekeys offers its flat-fee MLS and buyer rebate options in 26 Florida counties and is continually expanding throughout the Sunshine State.

About Homekeys

HomeXperts Inc. d/b/a Homekeys is a South-Florida based developer, integrator, and distributor of innovative Web-based content, applications and resources for the real estate market. The company offers Floridians more ways to buy and sell, all backed by Homekeys' innovative technology and services.

HomeXperts Inc. d/b/a Homekeys is a real estate broker in the State of Florida licensed (License CQ1019055) by the Florida Real Estate Commission, through the Department of Business and Professional Regulation, Division of Real Estate. HomeXperts Inc. d/b/a Homekeys is an Equal Housing Opportunity Corporation and abides by the Code & Ethics of the National Association of REALTORS®.

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West Des Moines, IA (PRWEB) October 13, 2005

The Halloween decorating craze is not just limited to your front yard and your living room now. People are using Halloween soap in frightful shapes like witches and bats to bring more fun into their bathrooms.

Children can anticipate the scary holiday as they wash their hands every day with black cats, scary wiggly eyeballs, witches, bats, and friendly looking jack-o-lanterns. These decorative glycerin soaps make great gifts for grandchildren, college students, or other fun-minded adults. The soaps conjure up warm thoughts of fall with their luscious fragrances such as dark chocolate, pumpkin and warm vanilla sugar.

Soapourri is a six-year-old handmade glycerin soap and natural bath and body company based in West Des Moines, Iowa. Cindy Helgason, owner and soap designer says, “Every year, sales of Halloween soaps get bigger and bigger. The soaps have the added benefit of being very gentle for children. The Halloween duckies are a new item this year and are very popular."

Soapourri also offers 100 different styles of glycerin soap and other all-natural handmade bath and body products, as well as soaps for every holiday. You can find Soapourri products online at http://www.SOAPourri.com.

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Seattle, WA (PRWEB) December 12, 2005

Because of slowing home financing and or refinancing the National Mortgage Complaint Center has just anounced its top 10 do's and don't for US consumers about to fiance or refinance their home as a guide on how to, or how not to get a mortgage/refinace your home. Accoring to Thomas Martin, President of the National Mortgage Complaint Center, "mortgage lenders are seeing fewer customers and because of this, many mortgage lenders will use every trick in the book to over-charge or gouge with US homeowners when financing or refinancing their homes".

The Top 5 Do's Are:

1. Check out the mortgage lender you are about to do business with. Check with the local Better Business Bureau and check the rip-off report on line for any negative reports or postings about the lender.

2. Have the mortgage lender give you a quote to include interest rate and fees associated with the mortgage, before running your credit report.This will allow you to get a reasonable idea of interest rates and fees before actually making formal application. Borrower's should be honest with the lender about what they think their credit is. You should not allow the lender to obtain their credit report and should not pay any up-front fees for the quotes.

3. Once you make formal application for a mortgage (using the Federal 10-03 Application Form), inform the lender that they are required by Federal Law to provide a Truth in Lending Statement and a Good Faith Estimate within three business days of making application for the mortgage.

4. Once you get the Good Faith Estimate and Truth in Lending Statement, have the lender put in writing if they are getting a kick-back for increasing the homeowners interest rate over the best interest available also known as a "Yield Spread Premium". According to Thomas Martin "yield spread premiums are the number one source of over-charges in the mortgage industry and consumers need to understand that if the lender gets a yield spread kick-back, the borrower/consumer will end up with a higher monthly mortgage payment". The lender should also confirm that there will not be a pre-payment penalty associated with the mortgage. The homeowner should then require the lender to put these two items in writing via a formal letter or email. If the lender is unwilling to make these two disclosures, Thomas Martin strongly suggests the borrower "find another mortgage lender".

5. Any one about to refinance or finance a home mortgage should have the National Mortgage Complaint Center review and inspect the mortgage documents before the closing of the mortgage transaction.This mortgage document review and inspection service includes a narrative report that details possible over charges and possible unjustifiable fees or interest rates. If any consumer wants the name of an honest mortgage lender doing business in their state or wants a mortgage document review, feel free to call 866-714-6466.

The Top 5 Don'ts Are:

1. Use a reputable local or reputable national mortgage firm. Do not use any firm associated with a slick TV ad that says something to the effect, "let 3000 mortgage loan officers beat each other to death for your business". According to Martin, President of the National Mortgage Complaint Center, "these middlemen frequently get huge fees for sending the borrower to the most expensive lenders, with the net result being, you end up paying more money".

2. Do not respond to internet mortgage companies or internet mortgage solicitations. According to Martin, "I see nothing but trouble in dealing with anyone who you cannot see or you cannot check out". Martin says; " some of the worst mortgage deals I have ever seen came from the internet or via internet solicitations".

3. If you are buying a new home from a Regional or National Homebuilder Do Not Use Their Mortgage Product. According to Thomas Martin; " Regional or National Homebuilders gouge and over-charge millions of unsuspecting US homebuyers every year by offering phoney bonuses or other less than honest gimmicks to keep the mortgage transaction in-house". Martin explained; "most home builders offering mortgage products are in fact mortgage bankers, and as such not required to discolse to the consumer that they are in most cases getting huge kick-backs for increasing the interest rate of the borrower over the best rates available (also known as yield spread premiums).

4. You should not allow yourself to be pressured or forced to close before they completely understand the mortgage, its fees and the specifics of their proposed mortgage.

5. Martin advises all consumers to stay away from any or all mortgage products that have a starting interest rate of 1% to 2%. According to Martin; "these scam mortgage devices could be the un-doing of the entire mortgage market because most consumers do not understand that the rate will only stay at 1% or 2% for a month or two before the interest rate and monthly mortgage payment start going up". "If you are on a fixed income and or barely qualify for a product like this; do not go through with the transaction because in a short time they may not be able to make their monthly mortgage payments". Martin also warned about negative amatorized mortgage products because;" why not just pay rent, because thats all you are doing with this mortgage product".

Aside from the Top 10 consumer tips on home loans or mortgages Martin expressed the following great concern for the 2006 US Real Estate Market." 2006 will be a flat real estate market and or a real estate market that goes south (the real estate bubble) because of over-inflated home values that are not supported in their market. Martin cites as his number one cause for alarm; home appraisers who for years, have been forced by real estate agents, mortgage lenders or home builders to come-up with real estate appraisal vales that are not realistic or that are not based on reality. Martin calls this "the train wreck, he has been predicting for over a year". The appraisers in many cases either have to come up with a make believe home value dictated by the real estate agent, the mortgage lender or the builder or the real estate agent, mortgage lender or home builder will find another real estate appraiser who will. "Why call it an appraisal if the appraiser is forced to come up with a pre-ordained value", according to Martin the National Mortgage Complaint Center's President.

Any homeowner or consumer wishing to finance or refinance a home is welcome to contact the National Mortgage Complaint Center any time. Our web site is at Http://National Mortgage Complaint Center.Com/ and our toll free number is 866-714-6466. The National Mortgage Complaint Center is America's number one source for consumer mortgage inspections designed to save borrowers money before they close on a home loan. The National Mortgage Complaint Center also acts as a consultant to consumers wishing to learn more about honest mortgage lenders doing business in their state.

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Real estate agent's conviction upheld
Associated Press – September 1, 2010 1:05 PM ET MADISON, Wis. (AP) – A federal appeals court has upheld the convictions of a real estate agent found guilty of seeking an illegal kickback on the…
Read more on WKBT La Crosse

Leading Atascadero Real Estate Brokerage Firm, Academe Real Estate and Property Management, Increases its Presence on …
Academe Real Estate and Property Management, a leading Atascadero real estate and property management brokerage, has recently undergone an ownership change. Cami Burbach purchased the business in May of 2010 and is committed to Smart Marketing and Solid Representation. The firm is amping up its internet presence and has recently launched a new, interactive website for Atascadero, CA real estate.
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City, Election Commission on the outs for months
Tensions between the city and the Aurora Election Commission came to a head last week, when commissioners denied a city-sponsored referendum to abolish the election authority a spot on November's ballot. But the relationship between the two has been strained for some time.
Read more on The Beacon News

Miami-Dade Pending Home Sales Continue to Rise
Total pending home sales – including single-family homes and condominiums – in Miami-Dade County increased 33.7 percent in August 2010 compared to August 2009, from 7,570 to 10,119, and increased .06 percent, from 10,113 to 10,119, compared to the previous month according to the MIAMI Association of REALTORS and the Southeast Florida Multiple Listing Service (SEFMLS).
Read more on PRWeb via Yahoo! News

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